Search found 86 matches

by totallynotsure
Tue Jul 07, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1271

Re: Fireproof & waterproof folders or safes for important documents?

Curious...what do people consider "important documents"? I can't think of anything that I have that couldn't be replaced by the issuer. Anyway, if I was very worried about something, I'd get a safe deposit box for it I suppose. birth certificates, social security cards, passports, etc. stuff that's...
by totallynotsure
Tue Jul 07, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1271

Fireproof & waterproof folders or safes for important documents?

can anyone recommend a decent one? most of the ones on Amazon seem to be sold by less than reputable companies.

not interested in a safe deposit box.

thanks!
by totallynotsure
Thu Jun 25, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Navigating tight housing markets
Replies: 30
Views: 2006

Re: Navigating tight housing markets

Going to rent for another year it looks like
by totallynotsure
Wed Jun 24, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity leave issue
Replies: 5
Views: 644

Re: Maternity leave issue

Are you switching districts over the summer? In our locality the teachers and support staff who are not on 12 month contracts are on 10 month contracts, so they spread the pay out over the year. Everyone is "under contract" all year round unless they are new. I'd also ask to see the HR handbook/pol...
by totallynotsure
Wed Jun 24, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity leave issue
Replies: 5
Views: 644

Maternity leave issue

As a teacher I was told I don’t get a paid leave but could use up to 8 weeks of sick time and then another 8 weeks of unpaid leave for a total of 3 months of time off with baby. That said, we’re now being told that because we had baby in the summer (school is out of session) we can’t use ANY sick ti...
by totallynotsure
Fri Jun 19, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Fire Pits: Solo Stove vs. Breeo
Replies: 20
Views: 1570

Re: Fire Pits: Solo Stove vs. Breeo

this also looks quite nice. totally different design but neat nonetheless.

https://snowpeak.com/collections/stoves ... ace-st-032
by totallynotsure
Fri Jun 19, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: Fire Pits: Solo Stove vs. Breeo
Replies: 20
Views: 1570

Re: Fire Pits: Solo Stove vs. Breeo

We have the Solo Stove, I think it's the Bonfire size. Burns very hot, little smoke, and almost no ash at the end. I would say the heat is more vertical than horizontal, so you may sit a little closer than expected. We have it on our deck, works great. worried about the deck too. we have Azec/Trex ...
by totallynotsure
Fri Jun 19, 2020 6:11 am
Forum: Personal Consumer Issues
Topic: Fire Pits: Solo Stove vs. Breeo
Replies: 20
Views: 1570

Fire Pits: Solo Stove vs. Breeo

has anyone used either? i'd be looking at the smaller models for the yard.

https://www.solostove.com/solo-stove-bonfire/

https://breeo.co/collections/double-fla ... -stainless
by totallynotsure
Thu Jun 04, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

a lot of assumptions are being made with the purchase of my wife's car. she was coming up on the end of a lease. we mutually decided to purchase something. it was both of our decisions. i don't regret it but i know it wasn't done with the Boglehead mentality (hence the "i know..." as i knew i'd be c...
by totallynotsure
Thu Jun 04, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Friend of mine wants to start giving surf lessons. How can they best insure themselves?
Replies: 2
Views: 264

Friend of mine wants to start giving surf lessons. How can they best insure themselves?

friend is looking to teach surf lessons as a summer side gig, but obviously there is always danger when in the water.

how can said friend best protect themselves? i assume there must be some type of insurance product that will write coverage for this sort of thing?
by totallynotsure
Wed Jun 03, 2020 7:04 am
Forum: Personal Investments
Topic: Which Vanguard or Fidelity fund to consider for 70-year old mother?
Replies: 10
Views: 788

Re: Which Vanguard or Fidelity fund to consider for 70-year old mother?

B. Wellington wrote:
Wed Jun 03, 2020 6:51 am
Vanguard.

Risk Free? = Money Market, CD's
doesn't need to be totally risk free. just a fund that makes sense for someone in that age bracket that doesn't need the cash.
by totallynotsure
Wed Jun 03, 2020 6:38 am
Forum: Personal Investments
Topic: Which Vanguard or Fidelity fund to consider for 70-year old mother?
Replies: 10
Views: 788

Which Vanguard or Fidelity fund to consider for 70-year old mother?

$70K to invest, not looking for anything other than a relatively risk-free environment to sock away the unneeded cash.
by totallynotsure
Wed Jun 03, 2020 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

Am I understanding this correctly? You’ve got a *pregnant* wife, are house hunting, make decent money, and you’re thinking about suggesting to your *pregnant* wife that you sell her car and replace it with something cheaper? Don’t do it. Focus on the baby and house. The rest will work itself out. D...
by totallynotsure
Wed Jun 03, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

I think both vehicles should go. If you are serious about budget cuts, save yourself 1000 bucks a month and buy two $10k commute mobiles. What's you're savings rate? What's your housing costs? Age? Why do you and your wife have separate savings? i'm not saying you're wrong just that i don't entirel...
by totallynotsure
Wed Jun 03, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

I think both vehicles should go. If you are serious about budget cuts, save yourself 1000 bucks a month and buy two $10k commute mobiles. What's you're savings rate? What's your housing costs? Age? Why do you and your wife have separate savings? i'm not saying you're wrong just that i don't entirel...
by totallynotsure
Wed Jun 03, 2020 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

OnTrack2020 wrote:
Wed Jun 03, 2020 6:18 am
Out of $96k, $28k, and $60k, how much are you planning on using for down payment on home?
given the ultra high COL here, most of it...unfortunately.
by totallynotsure
Wed Jun 03, 2020 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

Between the two of you, there is $96,000 in savings and $28,000 in checking. Have you considered paying off both cars? If she likes the Mazda, then keep it. A possible issue is that you want something that's fairly accessible/easy to get a car seat in and out. that's not including our joint savings...
by totallynotsure
Wed Jun 03, 2020 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

I think both vehicles should go. If you are serious about budget cuts, save yourself 1000 bucks a month and buy two $10k commute mobiles. What's you're savings rate? What's your housing costs? Age? Why do you and your wife have separate savings? i'm not saying you're wrong just that i don't entirel...
by totallynotsure
Wed Jun 03, 2020 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

I mean, in your other thread most of the advice was to go for it with buying the house. Yes, I think you have far too much money invested in vehicles at this point. This is likely a good real-world example of why paying cash for a vehicle is a good idea for many people. I suspect your wife would no...
by totallynotsure
Wed Jun 03, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

adding a reply with some additional details to paint a full picture. My Assets Salary 116,000.00 Target bonus 18,560.00 Monthly Net 5,350.00 Savings 66,000.00 Checking 10,000.00 Taxable 10,000.00 401K 105,000.00 Roth IRA 21,000.00 FSA 1,500.00 Wife's Assets Salary (incl. pension) 100,300.00 Monthly ...
by totallynotsure
Wed Jun 03, 2020 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Selling wife's 1-year old car?

wife and i both need vehicles for work and we have a baby on the way. we're also analyzing our budget to see where we might be able to trim some fat. the vehicles are one of the things that jump out at us. i drive an almost paid off, 0% APR 2017 Subaru Forester. i'm likely not going to do anything w...
by totallynotsure
Sat May 30, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Can my wife and I afford a $600K + house?
Replies: 57
Views: 5453

Re: Can my wife and I afford a $600K + house?

just bumping this thread. we haven't bought but wife is itching too. she's also due any day now so i've told her the prudent thing is to at least wait a few months and "settle in" with a hopefully healthy baby. furthermore, being that we're in the NYC suburbs, i have NO IDEA what to expect due to th...
by totallynotsure
Fri May 29, 2020 5:54 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

ralph124cf wrote:
Fri May 29, 2020 4:38 pm
Will the lump sum be fully taxable in the year received? If it bumps you into the next tax bracket, or the next IRMAA bracket, that would be a downside.

Ralph
i thought not if rolled over into an IRA?
by totallynotsure
Fri May 29, 2020 10:14 am
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

Do you have any reason to believe that your life expectancy is not average? Any life-shortening factors like heart disease, diabetes, would make me lean to the lump sum. Otherwise, as noted above, you would be fine taking the annuity. You are doing better than buying an annuity in the market. is it...
by totallynotsure
Fri May 29, 2020 9:15 am
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

Regular monthly income in retirement is very, very desirable. If you already have adequate investments that will grow over time and help protect against inflation, then adding a diversifying component (this pension) that provides longevity insurance and minimizes need to sell assets when there is a...
by totallynotsure
Fri May 29, 2020 6:33 am
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

thanks all! presuming i go with lump sum, how do i ensure a painless/tax free rollover? set up an IRA with Vanguard/Fidelity?

also, any fund recommendations?

thanks again!
by totallynotsure
Thu May 28, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11331

Re: The "Best of" for Aldi?

was pleasantly surprised by their tuna. i cooked it rare and it tasted good.
by totallynotsure
Thu May 28, 2020 7:33 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

Pros for the lump sum include the ability to leave money to heirs, control over the money, and a higher payout if she/he dies young. Pros for the annuity include not having to worry about managing the money, income guaranteed for life, possibly guaranteed by the Pension Benefit Guarantee Corporatio...
by totallynotsure
Thu May 28, 2020 7:18 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Re: Pension: Lump Sum vs. Annuity

When I plug in 73K and 70-year-old male in CA into immediateannuities.com, I get quoted a payout of $408/mo, suggesting the $464/mo option is better than what the market is offering. But we'd need to look at the rest of the retirement savings/income picture to give more specific advice. high-level ...
by totallynotsure
Thu May 28, 2020 5:31 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1555

Pension: Lump Sum vs. Annuity

individual is retiring at 70 years old individual has the option of an annuity or the lump sum payout lump sum = $73K no payment to beneficiary individual has no need for the money at the time annuity options are as such: $464/mo. for life, no survivor $433/216/mo. for 50/50 $425/283/mo. for 66/33 $...
by totallynotsure
Fri May 22, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2903

Amazon Prime delayed shipping

anyone else frustrated by this? granted, i know that 2-days might not be feasible and that Amazon has changed their policy to focus on "essential" items. but are Prime members not paying for a service that, at this point, isn't really being provided and/or could be provided by another retailer as qu...
by totallynotsure
Tue May 12, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3307

Re: Is it worth buying an infant car seat for each car.

I read so much about the difficulty of installing car seats.

I just installed a Chicco Keyfit infant car seat and it took about 1 minute using the LATCH system.
by totallynotsure
Tue May 12, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 43
Views: 3924

Re: What to do with Chase Ultimate Rewards points?

Do you have a Sapphire Reserve or Preferred and are planning on keeping it? If you do, I wouldn't be so quick to cash them out, especially since you don't need the money. If you were telling me you were in debt or at risk i going into debt, I would change my tune. I have the Reserve. I’m going to d...
by totallynotsure
Tue May 12, 2020 7:26 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 43
Views: 3924

Re: What to do with Chase Ultimate Rewards points?

Do you have a Sapphire Reserve or Preferred and are planning on keeping it? If you do, I wouldn't be so quick to cash them out, especially since you don't need the money. If you were telling me you were in debt or at risk i going into debt, I would change my tune. I have the Reserve. I’m going to d...
by totallynotsure
Mon May 11, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 43
Views: 3924

What to do with Chase Ultimate Rewards points?

Wife and I have a baby on the way and are house hunting. We both work and have decent savings and retirement funds. We also have ~500K Chase UR points. We had been hoarding them for an epic vacation but given our current life circumstances, not to mention the worldwide impact of COVID, that seems li...
by totallynotsure
Wed Apr 29, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Keepsake items for new baby?
Replies: 25
Views: 1271

Re: Keepsake items for new baby?

thanks all. loving these ideas. any idea on who makes a good quality ornament these days?
by totallynotsure
Wed Apr 29, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Keepsake items for new baby?
Replies: 25
Views: 1271

Keepsake items for new baby?

baby arriving in a month and i'm thinking of various ways to create memories other than the obvious of being a good, present parent. wondering if you have any recommendations for keepsake things whether it be a baby memory book, baby milestone blanket, etc. i already have an excellent camera that i ...
by totallynotsure
Mon Apr 27, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6217

Do you expect your employer to change their stance on WFH after Coronavirus?

given Coronavirus and the fact that many of us that can WFH are, do you expect your employer to change their tune regarding WFH and potentially offering it as a benefit going forward?
by totallynotsure
Fri Apr 03, 2020 9:38 pm
Forum: Personal Consumer Issues
Topic: Nintendo Switch is now impossible to buy
Replies: 13
Views: 1591

Nintendo Switch is now impossible to buy

sold out EVERYWHERE. folks waiting for best buy to add more inventory online and they're gone instantly. selling for $500-600 on eBay.

ugh.
by totallynotsure
Sat Mar 28, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24535

Re: Are you still going to the grocery store or using a delivery service? Which?

Until recently I used Fresh Direct, but their spots have been impossible to get. I tried Wegman's through instacart and ended up paying $70 for about $40 worth of groceries (ordered over $200 and gave a $15 tip, plus $9 service charge and $6 delivery charge), I was expecting 4 -5 bags of groceries ...
by totallynotsure
Wed Mar 25, 2020 4:00 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24535

Are you still going to the grocery store or using a delivery service? Which?

Are you still going to the grocery store or using a delivery service? Which?
by totallynotsure
Sun Mar 22, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: So I bought a gravel bike. Now what do I need (accessories, Zwift, etc.)?
Replies: 25
Views: 1450

So I bought a gravel bike. Now what do I need (accessories, Zwift, etc.)?

seems a Garmin or Wahoo GPS device is a pretty nice to have. obviously a lock - which? light? indoor trainer? i have a cage and water bottle on the way. oh, and if anyone cares, here's the bike: https://2018.konaworld.com/rove_dl.cfm https://images.konaworld.com/2018/med/rove_dl.jpg thanks!
by totallynotsure
Thu Mar 19, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1095

Re: Cyclists: Looking for a versatile bike for ~$500 (used)

WhyNotUs wrote:
Thu Mar 19, 2020 4:58 pm
If you find a Rove for <500, you have a great find
i'd have to up my budget but what the hell? lol.
by totallynotsure
Thu Mar 19, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1095

Re: Cyclists: Looking for a versatile bike for ~$500 (used)

any cyclists here that can recommend a style or brand/model of bike to keep my eye out for? looking for something somewhat versatile. not strictly a road bike but something quick and nimble on pavement that can also handle a few bumps here and there. maybe a cyclocross or touring bike? thanks! Ther...
by totallynotsure
Thu Mar 19, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1095

Re: Cyclists: Looking for a versatile bike for ~$500 (used)

hey all, thanks for the replies. did some more research and it seems the Kona Rove gets consistently high marks. i have pretty much honed in on that model though the Surly's have always tempted me. here's my other question: will i notice a difference going from a rigid MTB to a bike like the Kona Ro...
by totallynotsure
Thu Mar 19, 2020 4:34 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194694

Realistically, how long do you think most folks with be working remotely?

how long do you anticipate the working from home edict to last?

[This thread was merged into the ongoing Bogleheads community discussion - Cornonavirus- Mod Misenplace]
by totallynotsure
Tue Mar 17, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1095

Cyclists: Looking for a versatile bike for ~$500 (used)

any cyclists here that can recommend a style or brand/model of bike to keep my eye out for?

looking for something somewhat versatile. not strictly a road bike but something quick and nimble on pavement that can also handle a few bumps here and there.

maybe a cyclocross or touring bike?

thanks!
by totallynotsure
Sun Mar 15, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: So I applied for a mortgage pre-approval and a hard credit inquiry was done.
Replies: 5
Views: 584

Re: So I applied for a mortgage pre-approval and a hard credit inquiry was done.

drk wrote:
Sun Mar 15, 2020 8:12 pm
What's your actual question or concern?
time running out on that initial pull and having another hard pull on my credit in a month or two...