Search found 70 matches

by skp
Tue Aug 04, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Building a new home (non-custom) Any advice from your experience?
Replies: 18
Views: 1190

Re: Building a new home (non-custom) Any advice from your experience?

We built our house as 25 year olds 35+ years ago. I assume my advice is still helpful. We were young and dumb . I picked our builder because he had wood closet doors instead of metal ones- in other words his finished product didn't look cheap. Yet we could still afford the house. i was a boglehead e...
by skp
Sun Aug 02, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4353

Re: Move to NE Ohio?

I grew up in Pittsburgh and have lived in Cleveland (Geauga county) for 40 years. I would recommend Mentor over Cleveland Heights. Both have ice rinks nearby. (So does Lakewood.) Cleveland Heights is more "city" and more interesting. If you are looking for "walkable" that is a better choice. But it'...
by skp
Mon Jun 15, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1226

Re: EZ-Pass Issue for Pennsylvania

I live in Ohio and my parents in PA. I visit monthly so I got a PA not Ohio EZ Pass because Ohio charges a monthly "fee" and PA didn't. About 6 months ago I didn't have my EZ Pass for some reason and have yet to be billed. I keep wondering if it will ever happen. Then again could it be because they ...
by skp
Mon Jun 15, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11665

Re: Prenup? What Should It Say?

If only we heard the other side of these type posts. The young woman here, I would be telling her to run to the hills. Broken Man 1999 Why? If your daughters are strong individuals, why would they feel a need to make a claim on premarital property that they didn't contribute to? And unless they wer...
by skp
Mon Jun 15, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11665

Re: Prenup? What Should It Say?

If only we heard the other side of these type posts. The young woman here, I would be telling her to run to the hills. Broken Man 1999 Why? If your daughters are strong individuals, why would they feel a need to make a claim on premarital property that they didn't contribute to? And unless they wer...
by skp
Mon Jun 15, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11665

Re: Prenup? What Should It Say?

If I was the future wife's mother, I would be looking it from a different perspective than this mother in law. I was always taught that a woman needs to be able to take care of herself, you never know what life is going to throw at her. To me the prenup is not even relevant. A prenup is not going to...
by skp
Thu May 21, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Child inheritance -change executor?
Replies: 20
Views: 1476

Re: Child inheritance -change executor?

I don't know the whole situation. Question did they give any inheritance to you and your siblings or just skip a generation. If this is the case maybe your parents intentionally made deadbeat brother executor/ administer of the trust. His new "job" administering the trust and getting paid for doing ...
by skp
Sat Apr 25, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Do 529s, UMTAs and HSAs Cause Wash Sales
Replies: 28
Views: 1426

Re: Do 529s, UMTAs and HSAs Cause Wash Sales

I had never heard of a wash sale and googled it to try to figure it out. I'm still not exactly sure what you are doing here and what the benefit would be.
by skp
Fri Apr 24, 2020 5:38 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10291

Re: physician/APC pay cuts

Nurse here.... If they fire you, don't they have to pay their share of unemployment? Sounds to me like hospitals want their cake and eat it to. They just tell us to stay home. Use your vacation time or go without pay. In the end for me it's like a 25% reduction in pay. So they are saving a boat load...
by skp
Tue Mar 31, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2958

Re: Stand Mixer

Contrary opinion here. I wouldn't recommend a Kitchenaide. My 5 year old 6 qt professional lift model Kitchenaide is currently sitting on my kitchen table, broken for the 3rd time in the last year. My husband fixed it twice, about $50 in parts, and now with it broke again, I'm thinking about giving...
by skp
Sat Mar 28, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2958

Re: Stand Mixer

Contrary opinion here. I wouldn't recommend a Kitchenaide. My 5 year old 6 qt professional lift model Kitchenaide is currently sitting on my kitchen table, broken for the 3rd time in the last year. My husband fixed it twice, about $50 in parts, and now with it broke again, I'm thinking about giving ...
by skp
Wed Feb 12, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14262

Re: Am I crazy to consider quitting my job?

Many moons ago I was in your situation. I was a part time nurse who wanted to go prn (work when I felt like it but no Benifits or retirement). It was summer. The kids were Nearing school age and I really wanted the summer off. I also liked my job. But saw that these golden summers would soon be over...
by skp
Thu Jan 16, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30114

Re: Do you plan to actually spend down your portfolio?

I am lucky enough to be getting a pension on top of social security, plus a spouse who gets social security. That more than covers my known expenses plus a reasonable sum of money for wants. I could use my portfolio if there is something that I feel I absolutely needed/ wanted, but since I regard my...
by skp
Wed Jan 01, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 7029

Re: Parents vs. Kids Paying for College

With what I pay for childcare now, I expect to cash flow state school tuition. I can’t afford to fund a 529 at this point. My spouses’ family paid for state school and they could attend a private by taking the difference in loans. I liked that approach. THIS!!!! The average cost of tuition of Ohio'...
by skp
Wed Nov 06, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 5068

Re: Best month to take RMDs?

Admittedly no nothing but can't you set autowithdrawl's monthly from the retirement accounts and have them autodeposited into your checking account? I always thought that it was recommended to do monthly vs lump sum deposits, why not the opposite? That would be the opposite of timing the market. It ...
by skp
Wed Oct 30, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13643

Re: Ok to go without health insurance?

I can substantiate costs being lower. My husband was being worked up for an elevated PSA. He needed a prostate MRI which could only be done in a facility 45 minutes from our home. Sounds like it is newer technology and not every hospital is capable of doing it. We were told it would be $200 without ...
by skp
Sat Oct 12, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5903

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I second Roan Mt State Park. The cabins there are pet friendly, reasonably priced. The park is near Boone NC and you can get your fix of mountains, hiking, views and sightseeing.
by skp
Tue Sep 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 34856

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Meanwhile, for teachers that do survive longevity in the career, the available tax deferred plans, pension, and tax code for strategic planning exists. Our household makes more gross income between the two of us than the OP in education, and as a result of being empty nesters have been able to max o...
by skp
Fri Sep 13, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4945

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I checked on line and supposedly my local Walmart sells a 6 count of 8 ounce bottles of 1% great value milk for $ 3.48 (.58 each)
by skp
Fri Sep 13, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10833

Re: How old is your cellphone?

My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink: My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :) I’m amazed the hinge would last ...
by skp
Thu Sep 12, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4945

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I looked it up on Amazon they are called Kiinde. While looking, I saw Tommy Tippee breast milk bags- they were 30 cents each and hold 6 ounces.
by skp
Thu Sep 12, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4945

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I don't know whether this would work or not because I only so pictures of them on a baby registry. A new mom was requesting these disposable pouches that look like you use them to hold baby formula or baby food. I forget their name. They look like you could put milk in them and then freeze it. Does ...
by skp
Thu Sep 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10833

Re: How old is your cellphone?

Side note: I can usually judge an "old phone" person by the type of case they have. What can you tell about us few who don't put their phone in a case? One or all of the following: 1) they have loads of money 2) they have phone insurance (see loads of money above) 3) they don't plan on keeping phon...
by skp
Thu Sep 12, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10833

Re: How old is your cellphone?

tomd37 wrote: Wed Sep 11, 2019 12:57 pm My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink:
My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :)
by skp
Wed Sep 04, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early - am I thinking about this right?
Replies: 127
Views: 12099

Re: Paying off mortgage early - am I thinking about this right?

I paid off my house. I am debt adverse, it made me less tense about money, and it made our lives more flexible. My husband was able to take a job he liked instead of one that made the most money. We could have lived on one income easily with our house paid off. Amy Dacycyn, the frugal zealot's, phil...
by skp
Mon Aug 26, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4431

Re: Headache buying new minivan

Thank for your reply! So up to your expirience, is the caravan or pacifica have quiet and smooth drive like sienna (that is most importance because i want my grand mother can sleep on long drive)? I used to test drive the odyssey and felt that the road noise is loud! I think my Pacifica has a very ...
by skp
Mon Aug 26, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4431

Re: Headache buying new minivan

Adding, we gave that rusted van to my son's in laws. It's 14 years old and still going strong.
by skp
Mon Aug 26, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4431

Re: Headache buying new minivan

We have had 2 Dodge Caravans and currently I have a Chrysler Pacifica. We have also had Nissans, Hondas, Volkswagens, and ford hatchbacks. I don't feel that the Caravans mechanically were any worse than any of those other cars listed. However, I do admit they were much worse with rust. I drove mysel...
by skp
Fri Jul 19, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2589

Re: Glacier National Park

Your list is good. But I think it's a good idea to be flexible. I had a list last year when we went. The iceberg lake trail was closed to bears and the whole west side of the park was closed due to wildfires. Think flexible.
by skp
Mon Jun 24, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2538

Re: Chrysler Pacifica - Yes or No

We have had our Pacifica for 2 years. Prior we have had 2 Dodge Caravans. They were fine mechanically but I hated that they rusted out so soon. So, I looked at the Sienna and the Oddysey for the next van. We went with the Pacifica because we wanted Stow and Go seats. They were very important to us. ...
by skp
Sat Jun 15, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3734

Re: Anyone make their own tortillas?

I've tried both corn and flour tortillas. I've had better luck with flour. For the flour tortillas- I use a recipe from the family fun cookbook. I use a rolling pin. Cook them on my electric griddle. They are easy and taste much better than store bought. I don't know if I'm doing something wrong, bu...
by skp
Fri May 10, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 7081

Re: What kind of Replacement A/C would you get ??

We bought a similar Trane and are very happy with it. Our house is much more comfortable with it. Even if it was not a "good buy" financially, I think
it was worth it comfort wise.
by skp
Thu Apr 18, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 16063

Re: In Laws Retirement Nest Egg

Bingo! My wife and I have a lot more money than the retirees in question. And I have no worries about being able to support ourselves in any foreseeable scenarios. But if either of my sons or their significant others expressed concerns about my retiring, or suggested that I should get a part-time j...
by skp
Wed Apr 17, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 16063

Re: In Laws Retirement Nest Egg

Just curious OP, it seems that your parents are wealthy. But do you ever worry about them not being able to pay for nursing home care or living expenses in the future. People's financial circumstances, even rich one's can and do change. Do you ever worry about what you would do if they needed help?
by skp
Tue Apr 16, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 16063

Re: In Laws Retirement Nest Egg

I agree with the poster on page 1 who said the main problem here is that the OP and his ILs come from different socioeconomic status. Also from the rest of us on this board. That's the only thing I can come up with that someone thinks that you can't safely retire with a paid off house, Social securi...
by skp
Mon Apr 15, 2019 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 14464

Re: Can I semi-retire now?

Is it really a surprise that healthy, able-bodied, smart young men might actually want to use their health, intelligence, and youth to do something more satisfying than sitting in an office all day? Most don't sit in an office all day (I think). That's a rarer work environment than BHs probably rea...
by skp
Sun Apr 14, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 14464

Re: Can I semi-retire now?

Interesting thread. The fact pattern seems to be a Rorschach test for the posters--bringing out the FIRE vs. the save-invest-never-spend Bogleheads. I'm more the latter. I'm going to stick with my original position (above) of not giving advice, but I have been thinking about the OP a lot over the la...
by skp
Sun Apr 14, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 14464

Re: Can I semi-retire now?

There is a trend taking place whereby: 1) healthy, able bodied, smart young men decide to stop working or semi-work while sending their wives to work full time. Is it really a surprise that healthy, able-bodied, smart young men might actually want to use their health, intelligence, and youth to do ...
by skp
Sun Mar 24, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you treat inheritance as a singular or shared asset?
Replies: 113
Views: 6501

Re: Do you treat inheritance as a singular or shared asset?

I think it's interesting how my perspective on this has changed as I've gotten older. As a young mother I was highly offended when my MIL made it perfectly clear that stock inherited from her was for blood relatives only- my husband and chidren and not me. Now that I am of an age to write a will, I...
by skp
Sun Mar 24, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you treat inheritance as a singular or shared asset?
Replies: 113
Views: 6501

Re: Do you treat inheritance as a singular or shared asset?

I think it's interesting how my perspective on this has changed as I've gotten older. As a young mother I was highly offended when my MIL made it perfectly clear that stock inherited from her was for blood relatives only- my husband and chidren and not me. Now that I am of an age to write a will, I ...
by skp
Sat Mar 02, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6538

Re: Medicare choices

My experience as a RN is that MA plans don't cover rehab as well as traditional Medicare with a supplement. I would place an insurances coverage of rehab as a high priority in my decision.
by skp
Fri Mar 01, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Does great grandma need the great grandkid's SSN?
Replies: 22
Views: 2560

Re: Does great grandma need the great grandkid's SSN?

Would you be OK with gggrandma giving the money to another ggchild or just not bothering to proceed because you refuse to give her the SSN? Because I would be tempted to do just that if I wasn't "trusted" enough with the info.
by skp
Sun Feb 10, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1974

Re: Best way for Grandparent paying for day care

Thank you everyone. I don't want to do anything illegal. Nurse here not accountant. I had to google step transaction. Just out of curiosity/ playing devils advocate. Per Wikipedia there are a few tests the IRS uses to decide if it is a step transaction. One of them is a binding commitment. Would giv...
by skp
Sat Feb 09, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1974

Best way for Grandparent paying for day care

My Dil is going back to work and I'm considering covering their day care expenses. My sister and I never had to pay for childcare due to family helping out. I would if I could but my son lives too far away for me to help. I want to pass the gift I received of no cost childcare so I was considering c...
by skp
Sun Jan 20, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 9110

Re: Divorce w/child. Spouse wants to move.

50 50 custody here does mean equal time
One week mom one week dad. Parents live in same school district
by skp
Sun Jan 20, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 9110

Re: Divorce w/child. Spouse wants to move.

I would take money out of the equation. Somehow making this about money makes it seem like you are extorting her. Maybe that isn't what you mean but that is how it sounds. I would probably not move but it wouldn't be because of money. Can you honestly imagine yourself happy in another location? Woul...
by skp
Tue Jan 15, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to use inheretence to fund GC education
Replies: 12
Views: 810

Best way to use inheretence to fund GC education

I recently inherited some money and would like to put $75k towards a grandchilds education. At this point I don't think my GC would be eligible for FASFA, and it's too early to know if they are even college material. What should I do?
by skp
Wed Dec 26, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 5064

Re: Working Holidays for extra money.

I have been a hospital (ICU) nurse for 35 years and have worked my share of holidays (at time and 1/2) for the entire time. We have a schedule where we work every third holiday. This year I worked Christmas eve, New Years day and Labor day. Next year I'll work Thanksgiving, New Years Eve and Memoria...
by skp
Sun Oct 21, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 7033

Re: Pull kids from school for vacations?

I think it's an individual choice and all on how you look at things. My sons 4th grade teacher took a week off to go to Hawaii with her husband. He won it and it was set at a certain time during the school year. Should she be "allowed" to take off? His 6th grade teacher was off "sick" at least 30 da...