Search found 59 matches

by Startingover2019
Sat Feb 22, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Is it safe to reuse glass (Gerolsteiner) water bottles
Replies: 35
Views: 2785

Re: Is it safe to reuse glass (Gerolsteiner) water bottles

Hey all, I drink quite a bit of Gerolsteiner, so I have a bunch of empty bottles. I could recycle them, etc., but I'd rather reuse them (in the name of reduce, REUSE, recycle). I'm specifically talking about these bottles (I buy them from Trader Joe's for best price): https://www.instacart.com/prod...
by Startingover2019
Sat Feb 22, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Is it safe to reuse glass (Gerolsteiner) water bottles
Replies: 35
Views: 2785

Re: Is it safe to reuse glass (Gerolsteiner) water bottles

Starfish wrote: Thu Feb 20, 2020 7:57 pm
dbr wrote: Thu Feb 20, 2020 2:12 pm You should probably research how to clean and sterilize glass bottles. Then you are good to go.
Do you sterilize you plates and glasses?
Hahaha
by Startingover2019
Sat Feb 22, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4065

Re: New Grad with fashion design degree looking for job in that field

Trust me, her parents tried to get her to have a more marketable major but she is very passionate about fashion design. She is multi talented, but all are arts related things like painting and photography. Reality may set in now. But they still paid? Sounds like they assisted her to a life of minim...
by Startingover2019
Sat Feb 22, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4065

Re: New Grad with fashion design degree looking for job in that field

Trust me, her parents tried to get her to have a more marketable major but she is very passionate about fashion design. She is multi talented, but all are arts related things like painting and photography. Reality may set in now. But they still paid? Sounds like they assisted her to a life of minim...
by Startingover2019
Fri Feb 21, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4065

Re: New Grad with fashion design degree looking for job in that field

Not to be a negative Nellie here but my granddaughter did EXACTLY the same thing and finally got tired of minimum wages jobs working retail. Trying to find an opening using her fashion design training proved nearly impossible. She went back to school and got an accounting / CPA degree and is making...
by Startingover2019
Wed Feb 19, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4065

Re: New Grad with fashion design degree looking for job in that field

Not to be a negative Nellie here but my granddaughter did EXACTLY the same thing and finally got tired of minimum wages jobs working retail. Trying to find an opening using her fashion design training proved nearly impossible. She went back to school and got an accounting / CPA degree and is making...
by Startingover2019
Tue Feb 04, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Moving to Europe for High-Income Job
Replies: 10
Views: 1685

Re: US Citizen Moving to Europe for High-Income Job

You have a terminal illness. Life is short. Do it. And I would think about selling my house in the states if I had one. You don’t really need it. However I did marry poorly and I am now a divorced doc in my forties, do not exactly a model for good decisions. However you seem to be on the right track...
by Startingover2019
Sun Jan 26, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: Mechanics of maintaining two homes
Replies: 37
Views: 3614

Re: Mechanics of maintaining two homes

If you want this lifestyle for many years duplicate everything, including cars once the long drive gets boooooring. A suitcase per person back and forth is tolerable. DW packs her favorite teas/herbs/etc. into her suitcase for use fresh the first few days. I have friends with 3 homes. They triplica...
by Startingover2019
Sun Jan 26, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Mechanics of maintaining two homes
Replies: 37
Views: 3614

Re: Mechanics of maintaining two homes

Two homes are 1710 miles apart. This is our 7th Winter in a warmer place. Currently we drive back and forth in a minivan.... Anything except clothes and personal electronics has been duplicated. Before we got 2nd house, we experimented with other approaches to getting warmer during Winter. Having 2...
by Startingover2019
Thu Jan 23, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 71
Views: 8829

Re: 400lbs, delivery or pick up?

jebmke wrote: Mon May 04, 2015 4:26 pm Can you post a picture of your cat. I'm prepared to be amazed.
Hahahahahahahahhaha!!!!!
by Startingover2019
Mon Jan 20, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 12182

Re: to pre-nup or not?

I would have a prenup. Another thing I would consider is a legal agreement regarding the home. I have a family member that bought a house with his fiance. They broke up before marrying. Now they live together, she doesn't pay half the bills, she lost her job for a while, won't agree to sell, etc. a...
by Startingover2019
Sun Jan 19, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 12182

Re: to pre-nup or not?

For sure get a prenup. Ask me how I know.
by Startingover2019
Sun Jan 19, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare
Replies: 166
Views: 17332

Re: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare

I don't understand. One does not lose status by not renewing green card. https://www.alllaw.com/articles/nolo/us-immigration/failed-renew-green-card.html "If you did not renew your green card on time, you should do so as soon as possible. Don't panic and think that you have lost your permanent...
by Startingover2019
Tue Jan 14, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94916

Re: What age did you reach 100K networth?

Not there yet. As a physician at age 41. Bad marriage to a user loser and starting all over after finally divorcing his evil ass.
Will plan on being at 300k by years end God willing.
by Startingover2019
Tue Jan 14, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94916

Re: What age did you reach 100K networth?

Probably around age 15 but I wasn't aware. My grandparents set up a trust for me for college and invested in 100% stocks through the bull of the 80s and 90s; I graduated college in 2006 with around $225K left in the college fund if I remember correctly. Add to that the $17K or so I'd stashed in a R...
by Startingover2019
Tue Jan 07, 2020 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Opportunity cost of helping out relatives
Replies: 54
Views: 5045

Re: Opportunity cost of helping out relatives

I could easily help him out and finishing it in a couple of months. But that would delay my retirement by 3 months. Maybe he won't be the last one? Maybe I'll delay my financial indepedence by 1-2 years helping out others? Stef, 1) And, how does that help this person in the long-run? You are giving...
by Startingover2019
Tue Jan 07, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Opportunity cost of helping out relatives
Replies: 54
Views: 5045

Re: Opportunity cost of helping out relatives

You could easily get a reputation as Mr/Ms Moneybag with the relatives. If you're giving away money there will be no end to it. Do you have or plan to have your own family here that will need all your income for their support? I'm 28yo with no kids planned within the next 5-6 years. But I get your ...
by Startingover2019
Thu Jan 02, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2061
Views: 496206

Re: Share your net worth progression

Hi folks, Below is my net worth progression. It has taken some time with wife and I working hard to get here. I am missing a couple of years due to gaps in exact tracking. We have two young boys, the older one will start going to college in a couple of years; so, really have to work for another 10 ...
by Startingover2019
Thu Jan 02, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2061
Views: 496206

Re: Share your net worth progression

Hi folks, Below is my net worth progression. It has taken some time with wife and I working hard to get here. I am missing a couple of years due to gaps in exact tracking. We have two young boys, the older one will start going to college in a couple of years; so, really have to work for another 10 ...
by Startingover2019
Tue Dec 31, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11299

Re: How much were you able to save this year?

About 29K. 19K to 401K, 7K to Roth and the rest to college savings. I only grossed 50K though. There was another 16K in child support, but I have one kid in private school and another still needing childcare. Ok, how do these numbers even work? How do you survive? 16+29=45. And you make 50k gross? ...
by Startingover2019
Tue Dec 31, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11299

Re: How much were you able to save this year?

About 29K. 19K to 401K, 7K to Roth and the rest to college savings. I only grossed 50K though. There was another 16K in child support, but I have one kid in private school and another still needing childcare. Ok, how do these numbers even work? How do you survive? 16+29=45. And you make 50k gross?
by Startingover2019
Tue Dec 31, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11299

Re: How much were you able to save this year?

cshell2 wrote: Mon Dec 30, 2019 9:25 pm About 29K. 19K to 401K, 7K to Roth and the rest to college savings.

I only grossed 50K though. There was another 16K in child support, but I have one kid in private school and another still needing childcare.
by Startingover2019
Mon Dec 30, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 47
Views: 6024

Re: Starting from zero..literally.

At 41, after marrying a gold digger who spent and spent, and took me to cleaners in divorce, I am literally starting over again. NW currently is about $0. Thankfully, no more bad decisions and have a pretty big shovel and no kids, so I think I will be OK. Will see where I am this time next year. Pla...
by Startingover2019
Sun Dec 29, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 151364

Re: High Earners - What's Your Profession?

piper wrote: Sun Dec 22, 2019 9:16 am Another construction guy here. I see numerous people making six figures in the non union plumbing trades. There are also plenty of 7 figure incomes, including myself in the trades. who would have thought? Not as many blue collar workers on here as i would have thought either.
What do you do?
by Startingover2019
Fri Dec 27, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2435

Re: Sleep Masks & Ear Plugs

Being a light sleeper doesn't necessarily have to be related to sleep apnea. Some people are just light sleepers. OP and I are some of those people. No need for a doctor visit because one is a light sleeper. That's a bit of overkill. Yes which could lead to falling asleep during the day, it was a c...
by Startingover2019
Fri Dec 27, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5616

Re: Narrowing down where to live

Gainesville, Florida, away from the coast and with actual mountains :shock: I've driven through the Gainesville area a number of times and don't recall anything that could be even vaguely described as "mountains." I do remember some rolling terrain along US-27 in the vicinity of Clermont,...
by Startingover2019
Fri Dec 27, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5616

Re: Narrowing down where to live

I am non-LDS and in SLC and agree with poster above that the air quality is quite bad this time of year. Cost of living is going up with the booming population and those issues may drive me out of the area in the next year. I like this part of the country for outdoor recreation. Enjoy cycling, hiki...
by Startingover2019
Fri Dec 27, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5616

Re: Narrowing down where to live

If you want short winters and you don't want too much rain and you want something that's not too conservative, that doesn't leave many places, especially if you also want the outdoors right on your doorstep. Much of California, but it's likely too expensive. It can be harder to find good schools as...
by Startingover2019
Fri Dec 27, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2435

Re: Sleep Masks & Ear Plugs

Op Best you go see a sleep doctor, could be sleep apnea, do you snore? Do you have allergies or stuffy nose? A sleep test will diagnose this. I have sleep apnea, this is no joke, and should be taken seriously. Being a light sleeper doesn't necessarily have to be related to sleep apnea. Some people ...
by Startingover2019
Wed Dec 25, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5616

Re: Narrowing down where to live

Yes, to Utah if you can take the dryness. Personally I find the traffic and the newness abhorrent in towns that have grown fast like St. George. I'd prefer New Meico, which also has great outdoorsy things to do. Also, the west slope of Colorado, Bend or Eugene OR, the Olympic Peninsula, Bucks Count...
by Startingover2019
Wed Dec 25, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5616

Re: Narrowing down where to live

Thanks all. The plan is to cast a wide net, do a lot of research and travel to top places on the list. After doing some more research on Utah, the winters may be too long. And based on some of the city data posts that I read, it may be too conservative for my preference. I bet I'd like it there, bu...
by Startingover2019
Wed Dec 11, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: $1.05 fee for changing my address?
Replies: 23
Views: 3671

Re: $1.05 fee for changing my address?

How did people ever effectively change their address before the internet? Why do you feel the need to do an online form “just to be sure”?
by Startingover2019
Sun Dec 08, 2019 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 39424

Re: Follow Up: Husband's Surprise Debts

I'm going to tread gently into turf that I hope won't get my post deleted... So, you and DH have VERY unequal incomes. I was in this situation for many years (me on the low side) with DH#1 and then on the high side with DH#2. My high earning MBA daughter went into her marriage knowing that she woul...
by Startingover2019
Thu Nov 28, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Paying for Grad School: Refinance or Student Loan?
Replies: 19
Views: 1219

Re: Paying for Grad School: Refinance or Student Loan?

I went to medical school and don’t remember ever asking my parents to co-sign for any of my loans. They were about 120k. Didn’t ask them to sign for undergrad either. If her income is going to start at 125k and you yourself say that she is “very responsible”, why do you even feel the need to be invo...
by Startingover2019
Wed Nov 27, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 39424

Re: Follow Up: Husband's Surprise Debts

I am going to jump in on the camp of “get rid of that house”. Seriously, why would an elderly couple, trying to get out of debt before retirement need a 3000 sq ft house? Can you not see how maintaining that house is eating away at your money, i.e taxes on a $900K property the sprinkler system not i...
by Startingover2019
Sun Nov 24, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19904

Re: Help: Husband's Surprise Debts

Frankly it seems there are two questions here, and only two: 1. Is your husband willing to put you in exclusive control of finances and go on a cash allowance provided by you? 2. If he is not willing to do so, are you willing to leave him? All of the rest is noise, quite honestly. You don't need a ...
by Startingover2019
Sun Nov 24, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19904

Re: Help: Husband's Surprise Debts

Is your husband willing to put you in exclusive control of finances and go on a cash allowance provided by you? She doesn't need to be in total control. They just need to be a total team (and she can sell that a lot easier) She needs access to all accounts and all passwords, and she can watch the m...
by Startingover2019
Sun Nov 24, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19904

Re: Help: Husband's Surprise Debts

Is your husband willing to put you in exclusive control of finances and go on a cash allowance provided by you? She doesn't need to be in total control. They just need to be a total team (and she can sell that a lot easier) She needs access to all accounts and all passwords, and she can watch the m...
by Startingover2019
Sat Nov 23, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19904

Re: Help: Husband's Surprise Debts

So how come OP seems clueless that she can get SSI from him if he’s getting it from her? I am confused.
by Startingover2019
Sat Nov 23, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19904

Re: Help: Husband's Surprise Debts

You need to get better information regarding Social Security benefits and other issues, because you are using bad assumptions to drive your decisions. You would be entitled to half of your husband’s benefit at his FRA, not just your benefit: https://www.ssa.gov/planners/retire/divspouse.html So mor...
by Startingover2019
Thu Nov 21, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Applied for 2 capital one cards same day -- a biz and personal card, but rejected
Replies: 5
Views: 416

Re: Applied for 2 capital one cards same day -- a biz and personal card, but rejected

Just apply for another card. There are a lot of options.
I just applied for two cards from American Express within a month of each other without any problems. A business and personal one.
by Startingover2019
Mon Nov 18, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with cash? vs. Loan options.
Replies: 21
Views: 1803

Re: Buy home with cash? vs. Loan options.

The sad thing is that the OP considers 75k a low salary. Only in CA and NYC probably. 75k is a good salary for a family. That will take you a long way in TX where you can get a nice, big house for 400k or so in any of the big cities. You just have to get away from the Coasts. $75k is the median 201...
by Startingover2019
Sun Nov 17, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with cash? vs. Loan options.
Replies: 21
Views: 1803

Re: Buy home with cash? vs. Loan options.

The sad thing is that the OP considers 75k a low salary.
Only in CA and NYC probably. 75k is a good salary for a family. That will take you a long way in TX where you can get a nice, big house for 400k or so in any of the big cities.

You just have to get away from the Coasts.
by Startingover2019
Sun Nov 17, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with cash? vs. Loan options.
Replies: 21
Views: 1803

Re: Buy home with cash? vs. Loan options.

DesertDiva wrote: Sun Nov 17, 2019 5:58 pm
BogleBogleBogle wrote: Sun Nov 17, 2019 1:35 pm 4. Other advice or recommendations?
Nevada or Arizona.
Please follow this advice. Why oh why must you be stuck in a place you can’t afford a house?
by Startingover2019
Sat Nov 09, 2019 9:59 pm
Forum: Personal Investments
Topic: divorce, splitting assets?
Replies: 14
Views: 2539

Re: divorce, splitting assets?

OP, just read your post again. You are just talking of settlement not necessarily looking for assets.
Good luck.
by Startingover2019
Sat Nov 09, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can a prenup & liability coverage be enough to forego having a trust?
Replies: 14
Views: 1468

Re: Can a prenup & liability coverage be enough to forego having a trust?

Again, an umbrella policy does something completely different than the trust. Having your assets in trust in no way eliminates your need for insurance. If you routinely take money out of the trust for your support and continue that once married then the assets of the trust may not be so well protec...
by Startingover2019
Sat Nov 09, 2019 6:28 pm
Forum: Personal Investments
Topic: divorce, splitting assets?
Replies: 14
Views: 2539

Re: divorce, splitting assets?

I would venture to say that many if not most divorce lawyers have minimal ethics and don’t have your best interests at heart. They care about how much they can bill you especially if they know you make a good living. They lie, lie, lie and sleep very comfortably at night. That being said, if your ex...
by Startingover2019
Sat Nov 09, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 46
Views: 5040

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by Startingover2019
Sat Nov 09, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 46
Views: 5040

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by Startingover2019
Fri Nov 08, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2725

Re: Mother gave out social security number to fraudulent caller

whodidntante wrote: Fri Nov 08, 2019 8:20 pm
Theseus wrote: Fri Nov 08, 2019 8:12 pm Other than checking her credit reports and freezing her credit what else should I be doing?
If you're doing that, you should be getting power of attorney. Otherwise, you have no authority to do those things.
Seriously? Verbal agreement does not count?