Search found 565 matches

by oldfatguy
Fri May 22, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5551

Re: Employer cut 403b contribution to zero

I hope the industry will use the current emergency to say goodbye to all of the 80 year old professors who haven't updated a syllabus or peeked into a lab in years or maybe decades, and who teach (grudgingly) one or two courses a year for full salary and benefits. What's the old saying about crisis...
by oldfatguy
Wed May 20, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4047

Re: what to do about 1000s of dandelions/weeds?

Congratulations on your new pollinator-friendly landscaping! +1 My yard is a sea of dandelions, clover, creeping charlie, and (at the moment) trilliums. The bees and insects seem to enjoy it. So do the rabbits. The birds enjoy the insects. The hawks enjoy the birds and the rabbits, and so on and so...
by oldfatguy
Wed May 20, 2020 4:26 pm
Forum: Personal Investments
Topic: Earned income for child toRoth IRA
Replies: 6
Views: 261

Re: Earned income for child toRoth IRA

If you are going to pay him for actual work, how can you pay less than minimum wage? Personally, I think trying to classify the activities of a 6-year old as "work" is a bit of a stretch, but YMMV.
by oldfatguy
Fri May 15, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

wfrobinette wrote:
Fri May 15, 2020 1:22 pm

The fees, in my opinion, are nickel and diming.
So which costs of attendance should be lower, and why?
by oldfatguy
Fri May 15, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

That's partly why it drives me crazy when many opine about the high cost of college. To be sure, there are many universities, both public and private, that are very expensive. But in most situations, the cost of the university itself (i.e. tuition and fees) and closely related items like textbooks ...
by oldfatguy
Fri May 15, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

I've got to play this game in 3 years or so and it's sickening to see the nickel and diming. Tuition figures mean squat without the mandatory fees. It reminds me of car dealer pricing. It's not nickel and diming ... it's itemization. About half the items in the list of "cost of attendance" are pers...
by oldfatguy
Fri May 15, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

To give you an idea of what VT costs, for the 2020-2021 in-state, undergrad, on-campus students, it is: Tuition: $11,750 Fees: $2,350 College of Engineering Fees: $2,000 Room: ($5,670) and Board ($4,220): $9,890 Books and Supplies: $1,100 Personal: $1,780 Transportation: $1,500 Loan Fees: $70 Total...
by oldfatguy
Fri May 15, 2020 6:52 am
Forum: Personal Investments
Topic: Employer halting retirement contributions
Replies: 6
Views: 756

Re: Employer halting retirement contributions

Another recent thread on this same situation: viewtopic.php?f=2&t=314830

No secret tricks. About all you can do is try to save more, or look for a better job.
by oldfatguy
Thu May 14, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5551

Re: Employer cut 403b contribution to zero

d) something I am not thinking of. Look for another job? Might as well suggest winning the lottery or find a rich benefactor because those are just about as likely as finding a new job right now. So one shouldn't even bother looking? My university is currently furloughing and laying off employees i...
by oldfatguy
Wed May 13, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5551

Re: Employer cut 403b contribution to zero

RevFran wrote:
Wed May 13, 2020 7:01 pm
d) something I am not thinking of.

Look for another job?
by oldfatguy
Wed May 13, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 2866

Re: Subaru 0% financing

Subaru periodically does 0% financing. I bought my 2018 Outback in late 2017 at 0% for 48 months. The financing was through Chase Bank. You need to have a pretty good credit score to get the 0%. All the servicing can be done online through the Chase website. Early payoff of the loan is available up...
by oldfatguy
Tue May 12, 2020 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying auto insurance rather than cancelling
Replies: 32
Views: 2223

Re: Not paying auto insurance rather than cancelling

You don't need to cancel anything. Your policy will expire, and you will have coverage with a different company.
by oldfatguy
Sun May 10, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Thoughts on tree removal
Replies: 43
Views: 2490

Re: Thoughts on tree removal

Jags4186 wrote:
Sun May 10, 2020 6:01 pm
oldfatguy wrote:
Sun May 10, 2020 6:00 pm
Jags4186 wrote:
Sun May 10, 2020 4:28 pm
oldfatguy wrote:
Sun May 10, 2020 2:30 pm
A mature oak tree is far more valuable than a car, IMO.
Maybe, but it’s not your money.
Who said anything about money? I referenced value.
Cars cost money. I don’t want to destroy a car I would have just spent a bunch of money on.
That certainly your prerogative.
by oldfatguy
Sun May 10, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Thoughts on tree removal
Replies: 43
Views: 2490

Re: Thoughts on tree removal

Jags4186 wrote:
Sun May 10, 2020 4:28 pm
oldfatguy wrote:
Sun May 10, 2020 2:30 pm
A mature oak tree is far more valuable than a car, IMO.
Maybe, but it’s not your money.
Who said anything about money? I referenced value.
by oldfatguy
Sun May 10, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Thoughts on tree removal
Replies: 43
Views: 2490

Re: Thoughts on tree removal

A mature oak tree is far more valuable than a car, IMO.
by oldfatguy
Thu May 07, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3146

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

Parents financial status puts us with $0 help to attend Michigan. FAFSA is a rip off! How do you imagine you are being "ripped off" by FAFSA? FAFSA is simply the tool used to collect income and asset data, to determine eligibility for financial aid. Your parents have income and assets that make the...
by oldfatguy
Thu Apr 23, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9605

Re: Best Covid19 resistant job

Harry Livermore wrote:
Thu Apr 23, 2020 6:13 am
There is no downsizing in the public sector that I have observed in 53 years on Planet Earth...
In my 53 years, I have seen it occur many times and experienced it personally.
by oldfatguy
Tue Apr 21, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9341

Re: I Got Scammed To Send Amazon Gift Cards

Dave55 wrote:
Tue Apr 21, 2020 12:18 pm
I would think you can also dispute the charge on your credit card.
I don't think there is a CC dispute here. OP made a legitimate purchase.
by oldfatguy
Tue Mar 31, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

rich126 wrote:
Tue Mar 31, 2020 3:34 pm
It would be nice if this would change colleges. Just too much money, too large of endowments, etc.
You are talking about a tiny fraction of universities in the US
by oldfatguy
Mon Mar 30, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4185

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

Preview of thin FIRE? I was wondering this. If this could be what leanFIRE looks like, but I doubt that. Even with extra-leanFIRE, there are tons of free outdoor activities that would be available to you. Camping, hiking, libraries, beaches, malls, parks, outdoor markets and free city events, volun...
by oldfatguy
Mon Mar 30, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

Having a teacher is better than death-by-PowerPoint. I know my daughter and the pressure of a professor guiding learning and assisting with work is better than none. I’ve never been able to get her interested in Kahn Academy type courses. She is pretty bored with current senior high school online i...
by oldfatguy
Mon Mar 30, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27847

Re: College in fall

In light of this situation, I would prefer to have her stay home and take classes at NOVA NVCC. They’re not great, but they don’t cost much, and she can continue her learning. She’s going into computer science, so continuing to learn Java and Python would be a good investment, along with higher lev...
by oldfatguy
Mon Mar 30, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4185

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

Not at all. In retirement, I will not be working, will not be helping my kid do school work, and will go out often for entertainment, dining, and drinking.
by oldfatguy
Tue Mar 10, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2828

Re: Parent has ALS; Need Financial & General Advice

Also, here are the facts for oldfatguy (What an apt name!): We all pay for all sorts of publicly financed health care schemes including hospitals, and, yes, medical care programs for all sorts of people in all age/income brackets that we ourselves may not actually use. Some of these things fall und...
by oldfatguy
Tue Mar 10, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Time to get a new tax guy?
Replies: 28
Views: 2193

Re: Time to get a new tax guy?

When meeting with the guy I told him I did a Back Door Roth in 2019 and he was confused. I told him what I did and he said he had never heard that term used for that action. Shouldn't a tax guy know that term? No necessarily. It's not a term that is used in any IRS literature that I am aware of.
by oldfatguy
Tue Mar 10, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2828

Re: Parent has ALS; Need Financial & General Advice

His "actions" impact his family and his mother. Of course they do, just as they impact others as well. Others? Who? You personally? Of course. Me, you, and far too many others to list here. That's an exaggeration. How so? Who do you think pays when/if his mother qualifies for Medicaid?
by oldfatguy
Tue Mar 10, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2828

Re: Parent has ALS; Need Financial & General Advice

I would also like to stress that I don't want to turn this thread into an ethical and political debate about whether planning for Medicaid is right/wrong. Everyone has their belief. My family (first and foremost my mother) are of the belief that it's wrong that Medicare pays for only acute illnesse...
by oldfatguy
Tue Mar 10, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2828

Re: Parent has ALS; Need Financial & General Advice

I would also like to stress that I don't want to turn this thread into an ethical and political debate about whether planning for Medicaid is right/wrong. Everyone has their belief. My family (first and foremost my mother) are of the belief that it's wrong that Medicare pays for only acute illnesse...
by oldfatguy
Tue Mar 10, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2828

Re: Parent has ALS; Need Financial & General Advice

I would also like to stress that I don't want to turn this thread into an ethical and political debate about whether planning for Medicaid is right/wrong. Everyone has their belief. My family (first and foremost my mother) are of the belief that it's wrong that Medicare pays for only acute illnesse...
by oldfatguy
Fri Mar 06, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8153

Re: How is this possible? Is Alexa spying on me?

Your phone is spying on you too. Not mine If you are registered on the network, they can triangulate your location at all times. Location tracking is not what is being discussed in this thread. And to be more accurate, the location of my phone (not me) can be triangulated, when it is on.
by oldfatguy
Fri Mar 06, 2020 12:51 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9910

Re: Parents retiring with $500k saved - Things look OK?

The most frustrating part is that they don't seem willing to get educated on how things work, but they don't want help... Nothing else matters. Stay out of it, IMO. My parents are the same way. They have a very modest house, but they should have moved out of it, or made some modifications, at least...
by oldfatguy
Fri Mar 06, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8153

Re: How is this possible? Is Alexa spying on me?

manatee2005 wrote:
Thu Mar 05, 2020 8:52 pm
Your phone is spying on you too.
Not mine
by oldfatguy
Thu Mar 05, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer / Manager difference in vacation time policies
Replies: 57
Views: 3770

Re: Employer / Manager difference in vacation time policies

I would triple clarify my understanding, just to be sure I understood correctly. Then I’d tell my manager I’m going to HR. If they don’t back down, I would follow through on my promise. Unacceptable. So you would "threaten" your manager? That doesn't sound like a good idea. Why not just approach HR...
by oldfatguy
Thu Mar 05, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a Doctorate of Education (EdD)
Replies: 8
Views: 597

Re: Financing a Doctorate of Education (EdD)

No way I would pay the NYU price tag for an EdD
by oldfatguy
Wed Mar 04, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Employer / Manager difference in vacation time policies
Replies: 57
Views: 3770

Re: Employer / Manager difference in vacation time policies

I would certainly make an inquiry or complaint to HR about it, and then be prepared to find a new job.
by oldfatguy
Fri Feb 28, 2020 4:19 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50154

Re: Who's buying today? where's all the "dry powder" folks at? :)

I made 403b and IRA contributions today, because it was payday.
by oldfatguy
Wed Feb 26, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Are there any newer sci-fi tv shows that are family friendly
Replies: 27
Views: 1976

Re: Are there any newer sci-fi tv shows that are family friendly

I'm not sure anyone else can know what is "family friendly" to the OP. Families come in all shapes and sizes.
by oldfatguy
Mon Feb 24, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13446

Re: Do you ever use cash?

I use cash all the time for small purchases (coffee, pack of gum, vending machine), as well as the merchants at the farmers' market. Many of them do not take CC.
by oldfatguy
Sat Feb 22, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

Nate79 wrote:
Sat Feb 22, 2020 9:19 pm
Sadly this is why this country has a significant student loan problem,
Does it? The average student loan debt (for those who have loans at all) is under 40K. All the hysteria about people with 100k or 200k in student loans are outliers.
by oldfatguy
Fri Feb 21, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

I don’t buy the argument that the only path to being a social worker is a single under grad degree in social work followed immediately by a masters in social work. It's not the only path. But if your undergrad degree is in something else, the MSW will take longer, and there may be missing prereqs, ...
by oldfatguy
Fri Feb 21, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

Obstacles, obstacles. Going to have to just have to agree to disagree on this one. You and I clearly have very different philosophies on secondary education and the job market and what is possible/feasible/prudent. Good day kind sir. 😉 You are offering a lot of advice about something you don't seem...
by oldfatguy
Fri Feb 21, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

We’re talking about a master in social work, not a grad degree in nursing. The two really aren’t comparable. Setting that issue aside, then double major. I know lots of people that did and graduated in 4 years. I've worked in higher ed for over 20 years. I've never known a student who double majore...
by oldfatguy
Fri Feb 21, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

We’re talking about a master in social work, not a grad degree in nursing. The two really aren’t comparable. Setting that issue aside, then double major. I know lots of people that did and graduated in 4 years. I've worked in higher ed for over 20 years. I've never known a student who double majore...
by oldfatguy
Fri Feb 21, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

Maybe she has unique family circumstances. If she’s like most people she’s going into a ton of debt for a BS and an MS. Secondary education is crazy expensive now. Most college students do not go into a ton of debt for education. Average student loan debt (for those who have debt at all) is under 4...
by oldfatguy
Fri Feb 21, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Haven't received 1099 from a side gig Employer
Replies: 17
Views: 1151

Re: Haven't received 1099 from a side gig Employer

Tamarind wrote:
Fri Feb 21, 2020 8:59 am

Since I will report my income correctly, and I tried to alert the payor, do I have any further obligation to do anything about the missing doc?
No
by oldfatguy
Fri Feb 21, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

So basically it’s a horrible financial choice then. I’d get a nursing degree or something otherwise very marketable and volunteer then in some capacity before signing onto all that debt and low earning potential. Another possibility would be law (have to manage debt of course and not go crazy) and ...
by oldfatguy
Fri Feb 21, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

So basically it’s a horrible financial choice then. I’d get a nursing degree or something otherwise very marketable and volunteer then in some capacity before signing onto all that debt and low earning potential. Another possibility would be law (have to manage debt of course and not go crazy) and ...
by oldfatguy
Thu Feb 20, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4749

Re: Master of Social Work degree

what are you trying to find out?

what does the 16 year old think she wants to do?
by oldfatguy
Thu Feb 20, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: pantry question: why brown sugar?
Replies: 33
Views: 4274

Re: pantry question: why brown sugar?

I tried mixing molasses and white sugar once -- it's a sticky lumpy mess that makes your cake batter (or whatever you are making) sticky and lumpy too. I've given up on sugar, flour, honey and shortening. The only staples I still stock are olive oil and maple syrup and herbs and spices. What do you...
by oldfatguy
Thu Feb 20, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Haven't received 1099 from a side gig Employer
Replies: 17
Views: 1151

Re: Haven't received 1099 from a side gig Employer

As long as you know how much you were paid, I would just file without the 1099. Lots of self-employed folks don't get 1099s for many (or even most) of the jobs they do. As long you include all your income, not having a copy of the 1099 isn't going to matter.