Search found 228 matches

by SC Anteater
Tue Oct 15, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - tips for filling out
Replies: 25
Views: 2529

Re: FAFSA - tips for fill out

Prepay anything you can - property taxes, credit card bills, etc. Move what you can into retirement accounts.
by SC Anteater
Sat Sep 14, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: DIY nanny payroll
Replies: 11
Views: 1094

Re: DIY nanny payroll

We just hired two nannies to care for our infant daughter - in total 25h/week - and I'm trying to figure out how to do the payroll cheaply. I quickly realized that dedicated nanny payroll services (like Homepay by care.com) are quite expensive and more reasonably priced alternatives aren't even off...
by SC Anteater
Wed Aug 28, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a home a year back, thinking of selling now
Replies: 51
Views: 5490

Re: Bought a home a year back, thinking of selling now

This has been my concern - prices going down, impending recession. I can say I worry a lot but in this case may be because i can see through the next few years being rough - recession, drop in home price. I see a lot of good suggestions but I wonder for folks who have seen their home prices go down...
by SC Anteater
Mon Aug 26, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Capital One
Replies: 5
Views: 734

Re: Personal Capital and Capital One

I get the codes request too. Annoying but I guess it's a security measure. I've never had it not work at all.
by SC Anteater
Fri Aug 23, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a home a year back, thinking of selling now
Replies: 51
Views: 5490

Re: Bought a home a year back, thinking of selling now

I think the house is a reasonable expense given OP's tc. Rents are horrendous in the bay area. OP is probably living in an older tract house that would sell for $400k or less in a MCOL area. It's not like they are living in a mansion. It is difficult to comprehend life in the bay area when one does...
by SC Anteater
Sun Aug 18, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7499

Re: Moving from Bay area, CA to Knoxville, TN

Others have commented on the financials and agree you would come out ahead from a COL standpoint. As someone who grew up in west Knoxville, I have to urge you to spend some time there before making a decision. Knoxville and the Bay Area could not be more different. I got out as soon as I could for ...
by SC Anteater
Sun Aug 18, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7499

Re: Moving from Bay area, CA to Knoxville, TN

How old are you? How many years do you anticipate working? How close to paid off is your townhouse? I also live the Bay Area and considered moving prior to buying our house. I decided to stay. Part of my thought process was that I might be able to find a first job elsewhere in the country. I then r...
by SC Anteater
Sun Aug 18, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Kids education planning
Replies: 21
Views: 1532

Re: Kids education planning

0 Hi, I am not sue whether this is the right question for the forum. However given the very high concentration of rational folks here, I will take my chances. I am father of a 11 year old son who is very introvert. We live in bay area, and the competition is cut-throat. - People are sending their k...
by SC Anteater
Fri Aug 16, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11403

Re: Ponder this, BH's... is Ben & Jerry's worth it?

So lately Ben & Jerry's ice cream has been on sale at the local grocery store... I've bought the stuff several times. I love it. The thing is, at the regular price (around $5.50 for a 16-oz tub) it's outrageously expensive. I imagine that, ounce for ounce, it's 3 or 4 times as expensive at other br...
by SC Anteater
Fri Aug 16, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: UK SIM - Prepaid / Mostly Data
Replies: 5
Views: 361

Re: UK SIM - Prepaid / Mostly Data

I was in UK for 2 weeks last month and I bought these sims for everybody in my family - worked great!! The best part is you can buy them from Amazon here in US so you dont have to waste time looking to buy once u land in UK: https://www.amazon.com/gp/product/B07NLCL9SP/ref=ppx_yo_dt_b_asin_title_o0...
by SC Anteater
Sat Aug 10, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out Re-Fi vs HELOC for landscape project
Replies: 13
Views: 771

Re: Cash out Re-Fi vs HELOC for landscape project

I'd probably just do the driveway.

We did our front lawn ourselves, with sod. Cost about 2k.
by SC Anteater
Fri Aug 09, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 3053

Re: "Rent the Back Yard"

This must be exploiting some kind of loophole where the renters are considered guests or something, not another household or equivalent. Otherwise, the logical situation would be to build multi unit housing on the same plot, rather than have a convoluted system of home owners building and renting f...
by SC Anteater
Fri Aug 02, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do we move or add-on? Need some grounding...
Replies: 37
Views: 2140

Re: Do we move or add-on? Need some grounding...

You don't say how many bedrooms you have right now. What is actually the stress point about the current home? We have 3 bedrooms. I think the main stress is just trying to decide what we ought to do. Now that you ask what's the stress, I think there's actually nothing really stressing other than an...
by SC Anteater
Thu Aug 01, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

Not small, but we bring a copy of a "coffee table" book about our local area. Or something connected to the "family tree". My Dutch maternal grandparents came to the US in the mid 1890's and I know both of them very well growing up -as well as siblings who came at the same time. An internet search ...
by SC Anteater
Thu Aug 01, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11785

Re: A note on spending for kids

Here's the data for soccer scholarships, for example: http://www.scholarshipstats.com/soccer.html Cliff's Notes: percent of h.s. soccer players that play at any level in college: 7.5% men/9.4% women Odds of h.s. player making a roster: 18:1 (M), 13:1 (W) Average scholarship per team: $15,008 for men...
by SC Anteater
Thu Aug 01, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

You guys had some great suggestions! Thanks much!
by SC Anteater
Wed Jul 31, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I have a feeling the gift suggestions of alcohol are a product of a male dominated reply group. I don't think I've ever seen the one cousin I do know take a drink. Certainly not of hard alcohol. I know her husband likes booze because my FIL used to bring a bottle of Jack to him. I do like the Sierr...
by SC Anteater
Wed Jul 31, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

When my friends from Amsterdam come to the US, they always want to buy electronics and cameras because they are so much cheaper here. How about 32+ Gbyte SD cards or thumb drives or equivalent? That has potential -- they also have come over here and bought a bunch of iPads, phones, etc. because the...
by SC Anteater
Wed Jul 31, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I have a feeling the gift suggestions of alcohol are a product of a male dominated reply group. I don't think I've ever seen the one cousin I do know take a drink. Certainly not of hard alcohol. I know her husband likes booze because my FIL used to bring a bottle of Jack to him. I do like the Sierra...
by SC Anteater
Wed Jul 31, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I'd go with some local specialty food. The Dutch will be easier. I usually bring See's Candies to folks in Europe. Tell 'em it's a gift from Warren Buffett. I would not recommend bringing low quality chocolate to the Netherlands. I think See's Candies are delicious. Do you really think they're low ...
by SC Anteater
Wed Jul 31, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I'd go with some local specialty food. The Dutch will be easier. I usually bring See's Candies to folks in Europe. Tell 'em it's a gift from Warren Buffett. I would not recommend bringing low quality chocolate to the Netherlands. I think See's Candies are delicious. Do you really think they're low ...
by SC Anteater
Wed Jul 31, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I'd go with some local specialty food. The Dutch will be easier. I usually bring See's Candies to folks in Europe. Tell 'em it's a gift from Warren Buffett. I would not recommend bringing low quality chocolate to the Netherlands. I think See's Candies are delicious. Do you really think they're low ...
by SC Anteater
Wed Jul 31, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I'd go with some local specialty food. The Dutch will be easier. I usually bring See's Candies to folks in Europe. Tell 'em it's a gift from Warren Buffett. I would not recommend bringing low quality chocolate to the Netherlands. I think See's Candies are delicious. Do you really think they're low ...
by SC Anteater
Wed Jul 31, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Re: Gifts to Bring when Traveling Overseas

I would bring something locally made that is high quality. For example, in my town, there is a really good Mom & Pop toffee store. That is my default. I can't believe that they would be expecting you to show up gift in hand. If so, you could always pick up some flowers and wine once you get in coun...
by SC Anteater
Wed Jul 31, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3568

Gifts to Bring when Traveling Overseas

We are traveling to the Netherlands in September and will be meeting a bunch of relatives we've never met (organized by one cousin we see yearly when she comes here). I need some ideas of small, packable gifts for people I don't know at all! I'm in California, if that influences suggestions any.
by SC Anteater
Tue Jul 30, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Southern California Family Vacation Recommendations
Replies: 11
Views: 965

Re: Southern California Family Vacation Recommendations

I'd skip Big Bear. It's a long drive (especially if you're staying on the Westside) and it looks like you've got a lot of driving on the itinerary (Santa Barbara *and* San Diego? oh my) already. I'm very partial to the Orange County beaches, especially Newport. You could rent a boat and tool around ...
by SC Anteater
Sun Jul 28, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: remodeling costs in san francisco
Replies: 32
Views: 3452

Re: remodeling costs in san francisco

Goal33 wrote:
Sun May 19, 2019 11:28 am
I know people in the SF Bay Area waiting for the next recession before starting their remodel.
That would be me. 2 awful bathrooms that I need to do but I'm waiting until folks are a little hungrier.
by SC Anteater
Sun Jul 28, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2760

Re: Hawaii in August

Napili in Maui is great. Gentle little bay is perfect for kids. Not nearly as hot as Lahaina or Kaanapali.
by SC Anteater
Wed Jul 24, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: If you are already retired.. is this true?
Replies: 49
Views: 6284

Re: If you are already retired.. is this true?

This is possibly the stupidest article I've ever seen. In many locations the main component of a house value is the value of the dirt it's sitting on. Say I have a 1700 sq. ft. 3/2 ranch in the Bay Area worth 1.25. It's not going to cost me 25K a year to maintain it. It might cost me marginally more...
by SC Anteater
Thu Jul 18, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Repair Bosch Dishwasher or Buy New?
Replies: 35
Views: 3598

Re: Repair Bosch Dishwasher or Buy New?

Assuming your solder joints were done well and you used the correct relay, if you find the contact was burned in the same way then it points to a basic design issue, i.e. the heat generated by the relay exceeds the thermal properties of the board and/or solder joint. Is there room on the board for ...
by SC Anteater
Thu Jul 18, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Repair Bosch Dishwasher or Buy New?
Replies: 35
Views: 3598

Re: Repair Bosch Dishwasher or Buy New?

SleepKing wrote:
Thu Jul 18, 2019 4:15 pm
Time to replace it my friend.If you really like (and have time) to tinker, i'm sure someone will give you guidance!
If I do, it's gonna be a rough month -- new pool pump, $1000 car repair, and new dishwasher. Ouch!
by SC Anteater
Thu Jul 18, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Repair Bosch Dishwasher or Buy New?
Replies: 35
Views: 3598

Re: Repair Bosch Dishwasher or Buy New?

If you are somewhat handy you can easily fix this. As others have noted, the control board heater relay likely burned out, a little soldering and you can resolve it yourself. This was a great video. If it doesn’t work you have lost nothing, just go with options B or C. https://m.youtube.com/watch?v...
by SC Anteater
Wed Jul 17, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 3320

Re: Do I need a transaction free credit card for Ireland?

OP, I prefer to avoid extra fees (even small fees) when it's reasonably convenient to do so as a matter of principle. If I was in your shoes, I would definitely get a credit card that doesn't have a fee for international transactions unless you're so close to your departure date that it's unlikely ...
by SC Anteater
Sat Jul 13, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 89
Views: 5507

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

Be sure you have advanced care directives. Be very specific--do you want to be given drugs for pneumonia if you have severe dementia? Do you want a feeding tube? (Patients with dementia often try to pull their feeding tubes out, and it doesn't necessarily prolong life, and it definitely makes the p...
by SC Anteater
Sat Jul 13, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Safe DIY Spider Control
Replies: 16
Views: 928

Re: Safe DIY Spider Control

The good news is that even if nothing is done the spider population will eventually reach a steady-state equilibrium, as they have no reluctance to consume their own. And it's a handy way to control the fly and mosquito population indoors. Of course, not everyone will embrace this method. Exactly. ...
by SC Anteater
Fri Jul 12, 2019 3:27 pm
Forum: Personal Investments
Topic: Taxable or Roth 401(k)
Replies: 7
Views: 353

Re: Taxable or Roth 401(k)

lakpr wrote:
Fri Jul 12, 2019 3:19 pm
If you have access to a High Deductible Health Plan, you can contribute the maximum of $7000 less employer match to an HSA account. You can then use it as a Stealth IRA.
Yeah, doing that too.
by SC Anteater
Fri Jul 12, 2019 3:18 pm
Forum: Personal Investments
Topic: Taxable or Roth 401(k)
Replies: 7
Views: 353

Re: Taxable or Roth 401(k)

Thanks for all the replies. I didn't know that the Roth 401(k) was also restricted.

Can't do backdoor as we both have rollover IRAs. And spouse's current company won't allow him to rollover his IRA to the 401(k).

Looks like taxable it is.
by SC Anteater
Fri Jul 12, 2019 3:01 pm
Forum: Personal Investments
Topic: Taxable or Roth 401(k)
Replies: 7
Views: 353

Taxable or Roth 401(k)

Spouse is restricted to only 8600 plus 6000 catchup pretax in 401(k) due to highly compensated employee rules. I do not have any tax-sheltered plans available at my work. We will be close to the limit of Roth IRA income limits -- I'm trying to project out but I work hourly so I can't be 100% sure. A...
by SC Anteater
Tue Jul 02, 2019 12:08 am
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 2052

Re: SF Bay area: high school and college apps

1-2. yes, top private colleges expect top decile (10%) for most acceptances. But, they do dig deeper into a class for top high schools. Top 9% in CA only gets your kid a spot at UC Merced. A student who is the top 15% can boost chances by acing the SAT/ACT and AP courses. 3-4. Mission HS is one of ...
by SC Anteater
Sat Jun 29, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

So in 10 years, you'll be 60 and 62. How will you handle health care? I understand early retirees pre-Medicare are paying $30k per year in health care premiums, co-pays and out-of-pocket maximums, even with ACA coverage. We'd have to make sure we stayed under the ACA subsidy 'cliff' (68K or so?).
by SC Anteater
Thu Jun 27, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

I am confused about the house. Say your current home is worth, for example, $600K. Do you plan to buy a new home with $300K in a lower cost area and use the remaining $300K to help fund retirement pre-pension and Social Security? As far as the pension and SS go, you need to be sure your planning in...
by SC Anteater
Thu Jun 27, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

I am confused about the house. Say your current home is worth, for example, $600K. Do you plan to buy a new home with $300K in a lower cost area and use the remaining $300K to help fund retirement pre-pension and Social Security? As far as the pension and SS go, you need to be sure your planning in...
by SC Anteater
Thu Jun 27, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Banks that offer automatic withdrawal option for CDs at maturity
Replies: 12
Views: 884

Re: Banks that offer automatic withdrawal option for CDs at maturity

I have CDs at Capital One and can choose what to do at maturity, including automatically transferring the funds to my money market acct.
by SC Anteater
Thu Jun 27, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

The risk of deferring pension and social security to later years is that if you have IRA/401K assets that require RMDs you may end up in a higher tax bracket for those years. Some individuals use lower income years (if any) between the time they reduce or stop work and the time they get SSA/pension...
by SC Anteater
Thu Jun 27, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

Much depends on your spending expectations. I put the limited info at hand into Firecalc and it seems to support a 100,000/yr (today's dollars) spend rate from the time you retire. There is the dip from year 10 to 20 where the assets could be spent down, that could be scary, on the other hand, inve...
by SC Anteater
Thu Jun 27, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

What is your spending now? What's the number in relation to what you spend? If you save less you spend more. Generally means more years working. Our number is based on our spending. Unless we hit an age limit we have in mind. And then we will base spending on what we have at that age limit. Vic Did...
by SC Anteater
Thu Jun 27, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Re: Taking the Foot off the Gas Pedal

Are you forgetting inflation? 4.5% real return would be far from guaranteed if invested in stocks. If conservatively invested, I think that number is a bit high given bonds are only yielding 2% nominal now. If not counting inflation, his nominal number should account for 10 years of inflation, mayb...
by SC Anteater
Thu Jun 27, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3438

Taking the Foot off the Gas Pedal

Spouse and I have been discussing retirement plans. We are 50/52. Spouse said he wants 1.5mil in investments and 300k in cash -- that's his 'number' Last night he came home and said according to a retirement calculator, with the following inputs and working for 10 more years, we are 'good': 850,000 ...
by SC Anteater
Wed Jun 26, 2019 1:28 am
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1867

Re: Going to Ireland in July

We did a similar trip a few years ago. We went to the Irish National Stud (horses), Rock of Cashel (just o.k.), Cahir (cool castle), Galway, Connemara, and Westport. The Galway-connemara-Westport part was my favorite. Also went to Newgrange which was really cool.
by SC Anteater
Tue Jun 25, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14098

Re: How did you lower your annual expenses?

Garden: Colorado13 » I spend a lot on the yard and garden; it's one of my hobbies. The book "The $64 Tomato" is not too far fetched... I am not ready for condo life and expect that I will get some return on my investment if/when I ever sell the house. To lower expenses, this year I am scaling back ...