Search found 37 matches

by lindsayinsf
Sun Dec 13, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a $1m condo in San Francisco in December 2020
Replies: 88
Views: 8162

Re: Talk me out of buying a $1m condo in San Francisco in December 2020

Just out of curiosity, I looked on Zillow to see what is for sale in SF. There are 32 condos for sale under 500k and like 85 more under 700k. What is wrong with buying one of those? In my experience, three reasons for this from what I've seen so far (that are not income restricted): There's huge am...
by lindsayinsf
Mon Jul 20, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable Proposal to Avoid Paying Double Rent
Replies: 6
Views: 1133

Re: Reasonable Proposal to Avoid Paying Double Rent

If you are currently on a month to month lease, why not give notice to your current landlord that you will be moving out in 30 days, effective TODAY? That will cut down the overlap time to Aug 1st-Aug 19th at the very least. And then also ask the new landlord if you can start your new lease on Aug 8...
by lindsayinsf
Sun Jul 19, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving inheritance to children/grandchildren
Replies: 37
Views: 4528

Re: Leaving inheritance to children/grandchildren

I don't understand what the OP is asking for. OP, can you please elaborate? Are you asking for our opinion on what is fair, on how much you should leave as an inheritance, whether you should give the money now or after you die, or how to divide up money among your children and grandchildren? How did...
by lindsayinsf
Thu Jul 16, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Helping our Adult Child Buy a Home
Replies: 72
Views: 5799

Re: Helping our Adult Child Buy a Home

Re: itemizing, are you assuming this or have you actually run all of the numbers for their specific situation? For myself and my partner, if we were married and filed taxes jointly, in California, we would actually be worse off itemizing interest and property taxes on a $600k loan than we would taki...
by lindsayinsf
Sun May 17, 2020 1:44 am
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3937

Re: Buying Amazon vs direct from company....

For an expensive, heavy item, such as a treadmill I would purchase directly from the company or from another retailer that I trust who has free shipping/returns. Items sold on Amazon are sometimes counterfeit. You can see this in the range of reviews for an item, where the majority are 4 or 5 stars ...
by lindsayinsf
Wed May 06, 2020 3:28 pm
Forum: Investing - Theory, News & General
Topic: Over the counter drugs HSA reimbursable again (plus menstrual products)
Replies: 5
Views: 843

Re: Over the counter drugs HSA reimbursable again (plus menstrual products)

Thanks for sharing! I spend periodically on menstrual products (pun intended) so that is an easy expense to estimate. This will make it worth it to sign up for an FSA during my next open enrollment.
by lindsayinsf
Sat May 02, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1969

Re: Can High School Students Working Part-Time Get Unemployment?

Eligibility rules vary by state, and many states have made changes recently because of the virus situation. You should probably go to your states unemployment website and see if she qualifies. +1. In my state, pre-pandemic, the person filing had to certify that they were continuing to look for work...
by lindsayinsf
Fri May 01, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married
Replies: 9
Views: 849

Re: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married

The other consideration is the likelihood you might change jobs during the year resulting in a second deductible that had to be met. If either person changes jobs, that is a qualifying life event and coverage could be dropped so there would not be a second deductible. I must not have stated my poin...
by lindsayinsf
Thu Apr 30, 2020 3:04 am
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1969

Re: Can High School Students Working Part-Time Get Unemployment?

She should just find another job. Don't get her in the habit of relying on the government. Our area has lots of jobs for teenagers right now, grocery stores, etc. Sounds like it was part of the school program. Make sure she walks to work, too. We wouldn't want her to become dependent on those gover...
by lindsayinsf
Thu Apr 30, 2020 2:54 am
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1969

Re: Can High School Students Working Part-Time Get Unemployment?

Eligibility rules vary by state, and many states have made changes recently because of the virus situation. You should probably go to your states unemployment website and see if she qualifies. +1. In my state, pre-pandemic, the person filing had to certify that they were continuing to look for work...
by lindsayinsf
Thu Apr 30, 2020 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married
Replies: 9
Views: 849

Re: Fiancee's Health Care Plan... Running the numbers to see if it makes sense once we're married

You can add or drop coverage any time you have a qualifying life event, such as marriage, divorce, new job, loss of job, etc. You might not need to wait until marriage. For example, in California (and possibly depending on the employer), if you are living together you can cover your partner. Then yo...
by lindsayinsf
Thu Apr 30, 2020 1:58 am
Forum: Personal Consumer Issues
Topic: SHould I have my kid pursue coursera / edx courses?
Replies: 19
Views: 1331

Re: SHould I have my kid pursue coursera / edx courses?

- Is it a thing that high school students can get college credit through Coursera / EdX? I doubt many accredited universities would accept this type of coursework for college credit. Does the program (Coursera, etc) website say anything about this? - Are these courses preferable to take in lieu of ...
by lindsayinsf
Thu Apr 30, 2020 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 8400

Re: Where to buy a home in the Bay Area

In SF proper, literally any neighborhood except for probably Bayview/Hunter's Point will in all likelihood give you optimal price appreciation. It sounds like you are asking Bogleheads to tell you a "secret" neighborhood that will make you lots of money. There is no one general consensus o...
by lindsayinsf
Sun Apr 26, 2020 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Evaluate my Finances and Expenses/Budget
Replies: 16
Views: 1095

Re: Evaluate my Financial Plan

Awesome job paying down debt and working on a plan. :) This is just what I would do if I were in your shoes... 1. Continue contributing to current employer 401k just enough (6%) to get the match. Does your 401k offer a Roth option (many 401ks do not) or just Traditional 401k? I personally prefer to ...
by lindsayinsf
Sun Apr 26, 2020 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 8400

Re: Where to buy a home in the Bay Area

What is your price point? Search by your price range and see what areas have the most results. Then spend a few days going to visit various areas to get a feel for the neighborhoods. Also, be sure to compare new listing prices to recently sold prices. Housing in the East Bay is notoriously listed at...
by lindsayinsf
Wed Apr 22, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Amazon pages often take long time to load
Replies: 17
Views: 1038

Re: Amazon pages often take long time to load

1. First of all that browser should be upgraded to 64bit. MS Office is the only app that should be run in 32bit if there is a choice. 2. Do you have the same issue with Edge or Chrome? Unfortunately I have no choice as Firefox 32-bit is what is provided by our corporate IT ( this is a work laptop )...
by lindsayinsf
Wed Apr 22, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6394

Re: Are we spending too much on a house? 28yo & 24yo

For all the comments re: marriage, plenty of people get married, buy a house together, and then get divorced. They have the same problem of un-mingling finances and figuring out what to do with the house as any unmarried couple would. Marriage does not necessarily equal financial education. I assume...
by lindsayinsf
Tue Apr 21, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Best Website Builder For E-Commerce Newbie
Replies: 7
Views: 655

Re: Best Website Builder For E-Commerce Newbie

Square - Totally confused on how this works, how I build the site, how to receive payment. Square is a payments processor that integrates with many types of systems, including websites. You would need a site platform in order to use it. The other website platforms you mentioned could all work for w...
by lindsayinsf
Tue Apr 21, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 2014

Re: Best BH soap for C19 & least mess at sink

The CDC says the type of soap does not matter. https://www.cdc.gov/handwashing/index.html If using a pump soap, clean the outside of the bottle/top of pump every once in a while with...soap. :) For what? You wash your hands after touching it each time - right :confused For general cleanliness and n...
by lindsayinsf
Tue Apr 21, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing tax withholdings to avoid penalties
Replies: 11
Views: 540

Re: Increasing tax withholdings to avoid penalties

I am without any dependent on my W2 and my wife is single on her W2. Are you or your wife using 'Married Filing Separately' or 'Married Filing Jointly' filing statuses? Using 'Single' or 'Head of Household' could be the reason you are not estimating your taxes correctly. I just don't know how other...
by lindsayinsf
Tue Apr 21, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing tax withholdings to avoid penalties
Replies: 11
Views: 540

Re: Increasing tax withholdings to avoid penalties

So your itemized deductions are lower than the standard deduction now? I would think that would make your tax liability lower, not higher. Has the amount you are allowed to itemize decreased? Has anything else changed (higher income?) in the past few years that would cause your tax liability to incr...
by lindsayinsf
Tue Apr 21, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Which state should I apply for unemployment TX or CA?
Replies: 5
Views: 397

Re: Which state should I apply for unemployment TX or CA?

I've done some research but still can't find a definitive answers. Check both state's websites for eligibility requirements. Mostly likely you will only be eligible in CA if that is where you are continuing to live and that is where you worked at the time you were laid off. Rules may have changed d...
by lindsayinsf
Tue Apr 21, 2020 2:56 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3877

Re: Coffee Experts - Help with an online coffee order

My absolute favorite for cold brew is Peet's Coffee 'Baridi Blend'. Maybe I just like it because it tastes like what I get if I go into one of their cafes. 8-) If you're making drip cold brew, a more coarse grind is supposed to work better to allow the water to flow through.
by lindsayinsf
Tue Apr 21, 2020 2:41 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 2014

Re: Best BH soap for C19 & least mess at sink

The CDC says the type of soap does not matter. https://www.cdc.gov/handwashing/index.html If using a pump soap, clean the outside of the bottle/top of pump every once in a while with...soap. :) Scrub for 20 seconds and cover every section. Rinse with water and use a clean towel or air dry. For dry/t...
by lindsayinsf
Tue Apr 21, 2020 2:15 am
Forum: Personal Consumer Issues
Topic: How does the accounting profession fare during recessions?
Replies: 25
Views: 2341

Re: How does the accounting profession fare during recessions?

Can't speak to a big four type accounting job, that could probably vary depending on your department/specialty and clients. I work in financial & managerial accounting at a mid-size professional services firm with clients that fared well in the last recession (big tech companies). Accounting is ...
by lindsayinsf
Tue Apr 21, 2020 1:45 am
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4561

Re: Anybody here pay less than $40 a month for home internet and with what company?

My ISP (Monkeybrains) is only available in about two-thirds of my city (San Francisco) and a few neighboring areas. $500 one time set up fee for them to install a microwave antennae on the roof of our building and $35 per month. We broke even in 6 months. I have also used a $10/month hotspot added o...
by lindsayinsf
Tue Apr 21, 2020 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Take FMLA or Telework?
Replies: 19
Views: 1189

Re: Take FMLA or Telework?

Is FMLA paid by Employer or the state or federal govt? This is a newbie question on the FMLA topic FMLA is unpaid leave. The OP is using their sick leave to supplement their income during time off. FMLA protects your job up to 12 weeks so you can not be fired for caring for a child, spouse, parent ...
by lindsayinsf
Tue Apr 21, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Take FMLA or Telework?
Replies: 19
Views: 1189

Re: Take FMLA or Telework?

Have you spoken with your spouse about which option they would prefer? I can not imagine wanting my spouse to go back to work after two weeks if they didn't absolutely have to. Is working a part time schedule (after the first few weeks off) something you could work out with your company? At least fi...
by lindsayinsf
Tue Apr 21, 2020 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 36
Views: 5353

Re: Best budget spreadsheet?

Yes, more about how to track it on the spreadsheet? Say I have a few goal amounts and I'm funding a proportion of the total every month. The budgeted amount is the proportion I fund. Where in the sheet do I track the cumulative totals and the goals and the amount needed towards the goal? Honestly I...
by lindsayinsf
Mon Apr 20, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 36
Views: 5353

Re: Best budget spreadsheet?

How do people track upcoming lumpsum expenses using their budget spreadsheets? I do okay with budgeting on a spreadsheet for stuff that's in the month. But if I need to accumulate a bit in my checking for an upcoming large payment a few months down the line, I don't know how to keep track of it. An...
by lindsayinsf
Wed Apr 15, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting question for bi-monthly bills
Replies: 5
Views: 394

Re: Budgeting question for bi-monthly bills

Is it worth it to you for $0.18 (150 x .015 / 12) to do this every month? It's your time...

If you can automate it both ways, then I'd look at your time spent as a one-time set up fee in exchange for $2.25 per year, times however many years you plan to be paying this expense.
by lindsayinsf
Wed Apr 15, 2020 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3513

Re: Help us save more money on a monthly basis.

If you think you should be saving $3K a month, why not try the old 'pay yourself first' method -- put 3K a month into savings and then live off the balance. Rather than trying to find places to trim (which is hard, because you want to do all the things you're normally doing), take that money right ...
by lindsayinsf
Sat Apr 11, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Having internet connectivity issues during the workday
Replies: 51
Views: 3028

Re: Having internet connectivity issues during the workday

Lots of good suggestions here by others. Is slowness mostly a problem for you during meetings or while doing any kind of work? Do your coworkers have issues with the virtual meeting software? If so, what have they done about it? How are you connecting to your virtual meetings? Logging in to a VPN an...
by lindsayinsf
Sat Apr 11, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2693

Re: How often do you login and review your investment accounts?

Monthly, to update my net worth spreadsheet and confirm my auto deposits went through. I have 3 years worth of data and can step back to look at the bigger picture / overall trend if I start to worry about market dips. Automating transfers helps me stick to my investment plan regardless of what the ...
by lindsayinsf
Thu Apr 02, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 105
Views: 21233

Re: Paying $20 to E-File State Return

I've e-filed with H&R Block for many years. I dislike that the state filing costs extra. I also dislike that I pay for any tax prep/filing software/advice in the first place. But I do both to make my life easier and get back my time. Paying taxes in the U.S. is unnecessarily onerous and complica...
by lindsayinsf
Sat Feb 22, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 33
Views: 2747

Re: Personal Finance/Budgeting Software

I use Google Sheets - it's in the cloud! Like Excel for the 21st century. :P :P Seriously though, as the other poster mentioned, that means it can be accessed from any device. I have three types of Google Sheets - weekly budget, monthly net worth, and annual projections. I have a shortcut on my phon...
by lindsayinsf
Fri Feb 21, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5780

Re: San Francisco with a Family

If you're referring to public schools, in San Francisco they're assigned by a lottery system, not by where you live. +1 Yes, there is lottery system. So making sure there are "good" schools in your neighborhood does not really factor in when house shopping, at least as far as re-sale valu...