Search found 91 matches

by rainyday1
Sat May 11, 2019 4:49 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3371

Re: Best month to visit London?

May is my favorite month in London. Temperatures are up a bit, the sun is shining more regularly, and spring is magnificent there. Summer gets hot. Although the temps look good on a chart, As the previous poster noted, London is not well air-conditioned! September is also nice. Europe in summer is h...
by rainyday1
Wed Mar 13, 2019 3:45 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6981

Re: Peanut Butter recommendations

I also can't believe I have an opinion on this! But I like the 365 (Whole Foods brand) organic unsweetened creamy. It takes only a little bit of stirring to mix the oil in and tastes good. It has the right amount of salt too. Jif is delicious but quite sugary. Since my kids add lots of jam, I try to...
by rainyday1
Sun Jan 06, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 8659

Re: United, American Airlines, Delta--about the same?

Delta is definitely better than United and American. Internationally, Delta is still the best of the three, but I do think American is better than United.
by rainyday1
Tue Sep 25, 2018 4:25 am
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2581

Re: Dark stain wood floors

I HATE our dark floors. They look great the day they are finished and pretty much never again. Dust, crumbs, grass, scratches, dents, everything shows on them. About 20 seconds after I put the vacuum away, they look filthy.
by rainyday1
Tue Sep 25, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Federal Income Tax Payment
Replies: 7
Views: 887

Re: Estimated Federal Income Tax Payment

Our previous CPA advised us to mail the estimates instead of paying online. Just print out the estimated tax payment vouchers, fill it out and include your check. Send it certified mail to the appropriate address for your state. That part is easy... understanding what you actually owe, I found that ...
by rainyday1
Sat Jun 09, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 6278

Re: daughter wants a college transfer

I had a similar experience to your daughter. I hated my school after three semesters and planned to transfer. I returned home and worked full-time for a semester. I also focused on just getting healthy - eating right, exercising, some therapy focused on identifying career tracks suitable for my pers...
by rainyday1
Wed May 23, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 173
Views: 9996

Re: Purchasing a house, downpayment vs. retirement and other considerations

We are in a similar situation salary vs home price wise. Salary of 175k, paid 1M for house. We paid cash for the house. Even with no mortgage, that salary goes really fast! Thankfully, we get lots of dividend and bonus income because if it were just the salary, I would not sleep at night. And that's...
by rainyday1
Sat Mar 31, 2018 5:15 am
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 6087

Re: When did you know your kids would go to college?

OP - Your post cracked me up because we have a similar situation in our house... Just in case any of our kids decide not to go to college, we saved half of their college fund in 529 plans and half in UTMAs. Worst case, the one who may choose not to go to college could use the UTMA money to buy a bus...
by rainyday1
Mon Mar 19, 2018 4:10 am
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 5270

Re: London Hotels

Johnnyg - No direct train from LHR to Victoria station. Book tickets on Heathrow Express train to Paddington station ahead of time and they are very reasonable (for London...). Kids ride free, and it's very clean and fast. Then grab a taxi from Paddington to your hotel. It's much easier than fooling...
by rainyday1
Wed Jan 31, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 2359

Re: Paris Hotel Recommendations

I highly recommend Hotel Bel-Ami - a Starwood Hotel. The location is fantastic! It's one block off St Germain des Pres and about two blocks from Le Deux Magots and Cafe des Flores. The famous macaron shop/restaurant Laduree is right around the corner as well. A must-stop! The hotel is small and mode...
by rainyday1
Thu Jan 18, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 2550

Re: Travel to Rome Italy - Recommendations

If I do Rome over again, I will book a private tour for the Vatican Museums and St. Peter's. We did not, and I felt we didn't as much out of it as we could have. Also, we walked all over Rome with 3 kids in tow. Everything is easily walkable. Colosseum tour was really good - definitely book the tour...
by rainyday1
Thu Jan 18, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2662

Re: London/Paris Trip Questions

Good advice in this thread. Definitely take more than one credit card and debit card. Funny things happen when traveling abroad, and it would be a huge hassle if your credit cards were stolen or shut down and you only have one. Get cash from the atms abroad. When living in the U.K., we would only ge...
by rainyday1
Thu Oct 19, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 2569

Re: Multi-currency accounts for US citizen

We lived abroad for 5 years in two countries. I would NOT recommend using a big bank for forex/ multi currency accounts. Wells Fargo and HSBC ripped us off so badly a couple of times on the exchange rates that we used US Forex and Transferwise for exchanging money. We also found that using our U.S. ...
by rainyday1
Tue Jul 25, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: locking in kids' [life] insurance status
Replies: 11
Views: 1114

Re: locking in kids' health insurance status

They will be able to get term insurance. My sibling died as a teenager of cancer. I was able to get term insurance in my twenties after the birth of our first. The insurance company said they really only cared about my health records, even after I disclosed the cancer. However, I was advised by most...
by rainyday1
Sat Apr 01, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 2070

Re: At what age were your kids potty trained?

The best advice I got was from a preschool teacher - start before they learn the word no! Once they get into that phase, it gets more difficult. All three kids trained by 27 months. I would say out of night pull-ups by 3. I thought the boys would be harder, but actually it got easier every time. Put...
by rainyday1
Thu Mar 30, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Radon mitigation credit at closing
Replies: 16
Views: 3170

Re: Radon mitigation credit at closing

We always take a credit instead of having the sellers do the work. Sellers want the cheapest possible solution and not necessarily the best one. Get your own estimates, hire good people and make sure the work is done right! I think it works out much better for the buyer (and the seller!) in the long...
by rainyday1
Fri Mar 24, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 124
Views: 9115

Re: can't logon to vanguard account

I just tried to call but couldn't get a person on the phone. Has anyone had success calling?
by rainyday1
Sun Mar 05, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 85
Views: 8692

Re: Advice on relocation or staying put

Seattle is the only place in the USA I have lived where I have chronic, year-round allergies. I have lived places where the pollen turns cars yellow in the spring. None of them bothered me like Seattle! Seattle can have very long winters. If your kids play sports, think about standing outside in win...
by rainyday1
Fri Feb 03, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Best Expat Forums or Advice on Expat Package?
Replies: 10
Views: 2310

Re: Best Expat Forums or Advice on Expat Package?

Hi, We are currently on an expat assignment in London. Your estimates are a bit low for most categories. London is crazy expensive - especially with 6 kids. Your research on the package is good. You have hit most categories. I think the most important for you will be housing, schooling (think $25 - ...
by rainyday1
Sun Nov 06, 2016 2:21 am
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 10347

Re: Gaming system for kids?

Read a book called Reset Your Child's Brain by Victoria Dunckley before you buy a game system. It was an eye-opening read, and it has really changed life in our house for the better.

Best of luck. Navigating the technology is a really challenging parenting issue.
by rainyday1
Tue Jul 19, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 5737

Re: Stinky Washing Machine

The saleswoman at Home Depot said her chemist brother suggested running a cycle with 1/2 cup borax. She said it worked like a charm.

I am planning to try it, but I keep forgetting to buy borax. Although after 20 years, I would probably buy a new washer...
by rainyday1
Thu Jun 30, 2016 7:34 am
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 3784

Re: How best to take little kids sightseeing?

We do a lot of travel with small children, and I think it is key to manage MY expectations. I always know that no matter what, my 6 year old is going to complain. That's just who he is. And I'll be honest - I tend to act a bit like your kids when I'm jet lagged :shock: It's hard when they don't unde...
by rainyday1
Fri Jun 03, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 6838

Re: Move to Denver (Job) or stay in NoVA ?

Denver is great place to live! Great weather, outdoor activities, people - it is far superior to NoVa (in my opinion!) Definitely consider it...

I sent you a pm about the schools.
by rainyday1
Fri Mar 18, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: must do/sees in Beijing and HangZhou
Replies: 13
Views: 1343

Re: must do/sees in Beijing and HangZhou

I am so jealous - I loved Beijing when we went there and want to go back! Consider splurging on a tour guide for your sightseeing day. The nice thing is they can get the tickets for you (in a special tour guide line), they can navigate the public transportation, and they can take you to local (good)...
by rainyday1
Sun Jan 03, 2016 2:59 am
Forum: Personal Consumer Issues
Topic: tour guide in istanbul?
Replies: 7
Views: 868

Re: tour guide in istanbul?

Thank you all for recommendations! Trying to get the tour guide HomerJ recommends, but I am glad to know if she isn't available, we can do it ourselves!

Thanks to all who responded! Very excited!
by rainyday1
Fri Jan 01, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: tour guide in istanbul?
Replies: 7
Views: 868

tour guide in istanbul?

Hello, My young children and I are heading to Istanbul soon. I wondered if anyone had a great tour guide they could recommend. The What to See in Istanbul thread was very helpful, but I couldn't tell if anyone used a tour guide. Since my husband won't be with us, I am hesitant to wing it with the ki...
by rainyday1
Thu Aug 13, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: What should we do in South Korea?
Replies: 16
Views: 2682

Re: What should we do in South Korea?

Seoul is one of the most amazing cities I have visited! We went in the spring and absolutely loved it. We were only there for 3 days but could have easily spent a week and not seen everything. We did find that English was not widely spoken. However, when we pulled out the map a couple of times, some...
by rainyday1
Fri Aug 08, 2014 5:15 pm
Forum: Personal Consumer Issues
Topic: 5 Days in Beijing - Suggested Activities/Restaurants?
Replies: 9
Views: 1286

Re: 5 Days in Beijing - Suggested Activities/Restaurants?

I would also recommend the Summer Palace (if you have a nice, clear day!). Plan to spend a bit of time there - we had to hurry through in just a couple of hours, but we could have spent many hours there. Hutong tours are also excellent! Check out the Wangfujing Night Market. As previously mentioned,...
by rainyday1
Fri Dec 20, 2013 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in 5 years. Preparation with finances.
Replies: 40
Views: 2778

Re: Kids in 5 years. Preparation with finances.

We lived on one salary (the lowest one!) before we had kids and saved the other. Husband made 100-125K. I made 50K. By the time the baby came along, we had a nice pile of cash and were used to living well below my husband's income. That gave us lots of options - we could afford daycare if we wanted ...
by rainyday1
Fri Dec 13, 2013 11:39 pm
Forum: Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 7269

Re: Considering a "Year Off" from retirement contributions..

Just wanted to say I can completely relate to how you feel about not being where you would like in life... I think financially you will be fine no matter what you decide. Your income is great, debts are manageable. Truthfully, in the long run, it probably doesn't matter all that much if you take a y...
by rainyday1
Thu Dec 05, 2013 6:18 pm
Forum: Personal Consumer Issues
Topic: Buying a Honda in Atlanta
Replies: 16
Views: 1990

Re: Buying a Honda in Atlanta

We had great luck at Hennessy Honda, which is a bit of a drive. We did all negotiation by email so all we had to do was drive up there and pick up the car. We got a great price that the other dealers we had requested quotes from could not believe.

Best of luck!
by rainyday1
Sat Nov 30, 2013 6:04 pm
Forum: Personal Consumer Issues
Topic: Amazon Video/Netflix: Kids Educational Videos
Replies: 4
Views: 708

Re: Amazon Video/Netflix: Kids Educational Videos

One show that my kids (7,5 and 3) all love is Word World. I really believe it has helped my older kids see how letters fit together to make words and get ready for reading. It's also great for teaching the little ones the letters and their sounds.
by rainyday1
Sun Nov 24, 2013 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: would you feel comfortable "retiring" ?
Replies: 30
Views: 2760

Re: would you feel comfortable "retiring" ?

Yes! Maybe you can ask to be packaged out and snag some severance as a parting gift.. Spend a bit of time doing nothing. But if you're driven enough to save 5 million dollars by 37, I suspect you will eventually look for something more fulfilling. I doubt retirement in the traditional sense will sui...
by rainyday1
Mon Oct 21, 2013 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: High Income Earner, Pay off Mortgage
Replies: 19
Views: 3648

Re: High Income Earner, Pay off Mortgage

Congratulations! Your success is incredible. I would do the following things: 1. Pay off the mortgage... why bother with a mortgage at this point? Just pay it off - it's a great feeling 2. Start building a big enough taxable fund that you can sustain your lifestyle indefinitely. You keep a couple mi...
by rainyday1
Sat Oct 19, 2013 10:07 pm
Forum: Personal Consumer Issues
Topic: 48 Hours in Hong Kong -- Recommendations?
Replies: 4
Views: 913

Re: 48 Hours in Hong Kong -- Recommendations?

I'll give this a shot... If this is your first visit to Hong Kong, take the Peak tram up and check out the view. It is extraordinary. There is a path all the way around the Peak if you wanted some exercise while you were at it. Also, the Mid-Levels escalator is a fun ride. Hop off and wander the str...
by rainyday1
Sat Sep 14, 2013 3:40 pm
Forum: Personal Consumer Issues
Topic: your favorite Virgin Island
Replies: 14
Views: 1866

Re: your favorite Virgin Island

Anegada!! It is a bit difficult to get to. But if you are into snorkeling, this is quite possibly the greatest place in the whole world. You can hop right into the ocean off the beach and snorkel for hours. Reefs surround most of the island. Because it is a bit more remote, everything seemed so unsp...
by rainyday1
Fri Aug 16, 2013 5:00 pm
Forum: Personal Consumer Issues
Topic: Dealing with the re-circulated air in airplanes
Replies: 26
Views: 2372

Re: Dealing with the re-circulated air in airplanes

We fly 12 hour flights at least 2-4 times a year. I also get very queasy, but I have found being able to sleep on the plane makes all the difference in the world. I recommend flying business class - if you don't want to spend for it, maybe upgrade with miles. If you can't get a fully lie-flat seat, ...
by rainyday1
Fri Jul 12, 2013 7:50 am
Forum: Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 8383

Re: Sacrifices: Saving 50% of Take Home Pay?

When we started out, I think we made about 85k combined. We always saved my salary and some of his. I did not find it to be a spartan lifestyle at all. It depends what you enjoy - if you're out bar hopping and eating in fine restaurants now (which it does not sound like you are), you may be unhappy....
by rainyday1
Fri Jun 21, 2013 7:49 pm
Forum: Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 2356

Re: High Income Earner in Need of a Financial Plan!!!!!

I'll take a stab at this since this income is pretty close to ours. I think you're saying he has no estate planning, no insurance, no college plans etc? Before I do anything else, I would get some term insurance. He has significant overhead with monthly expenses of 20k, so he needs to have very gene...
by rainyday1
Mon Jun 10, 2013 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Please critique our finances and plans
Replies: 32
Views: 2851

Re: Please critique our finances and plans

I agree with Livesoft - Open up a taxable account and pile up the savings. Looking at your expenses, I'm guessing you have a surplus each month even with 460k mortgage. Throw it in an account and forget about it. Maybe either Target Retirement for whatever allocation you prefer or something like 50%...
by rainyday1
Thu May 30, 2013 9:59 pm
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 17668

Re: Adult "child" moved back home - avoiding failure to laun

I might think about encouraging her to move six hours away and live on her own for a while with no help from you. This might sound sexist, but I would not encourage my 19 year old daughter or stepdaughter to try to make it on her own six hours away from home. There are a lot of people out there who...
by rainyday1
Thu May 30, 2013 8:38 pm
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 17668

Re: Adult "child" moved back home - avoiding failure to laun

I might think about encouraging her to move six hours away and live on her own for a while with no help from you. Let her know when she's ready to go back to college and get serious about it that you're open to the conversation. I took a semester off and worked retail. That helped me realize I neede...
by rainyday1
Tue May 28, 2013 8:35 pm
Forum: Personal Investments
Topic: portfolio review request from new doc
Replies: 11
Views: 1379

Re: portfolio review request from new doc

With regards to your allocation, I would keep the domestic equity simpler and put it all in the total stock market fund. You will get exposure to the other 3 funds with that. It's easier to keep one fund and throw larger amounts at it than to put small amounts in each one. If you wanted to tilt towa...
by rainyday1
Tue May 28, 2013 6:17 pm
Forum: Personal Investments
Topic: portfolio review request from new doc
Replies: 11
Views: 1379

Re: portfolio review request from new doc

You sound just like this guy. I don't think he cared much for the advice he received. At least you haven't already purchased the house. My advice would be the same. Clean up the student loan mess and then buy the big house. Otherwise, you're going to be using a significant portion of your income jus...
by rainyday1
Mon May 27, 2013 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending it the easy part??
Replies: 27
Views: 3023

Re: Is spending it the easy part??

If the things you like to do are not expensive then, saving is not preventing you from doing them now, is it? Actually, 3 kids prevent me from doing these things now... quiet things like sitting and finishing a book! But I know they won't be small forever. Soon they will be teenagers and I'll have ...
by rainyday1
Mon May 27, 2013 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Is spending it the easy part??
Replies: 27
Views: 3023

Is spending it the easy part??

This is a follow-up to the 'Why did you save so much for retirement' thread. My husband asked me what I planned to do when we retired. I listed off some activities, and he replied that almost of the things I listed are cheap or free. He then asked me what we were saving all this money for if the thi...
by rainyday1
Sun May 26, 2013 11:51 pm
Forum: Personal Investments
Topic: Lake home instead of bonds?
Replies: 28
Views: 3329

Re: Lake home instead of bonds?

I would do it. Life is short. You can always work a couple more years if you need to, but you can't get those years back if it turns out she can't ride a jet ski at 63.
by rainyday1
Sun May 26, 2013 4:33 pm
Forum: Personal Consumer Issues
Topic: Best Walkable Place to Retire
Replies: 86
Views: 11363

Re: Best Walkable Place to Retire

Downtown Seattle... as a bonus, no state income tax! Get yourself a condo by the Pike Place Market. You would never have to leave downtown if you didn't want to. You can walk to Queen Anne or Capitol Hill. If you can stand the gray weather, the temperatures are great. Summers are extraordinary.
by rainyday1
Sat May 25, 2013 5:01 pm
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 6835

Re: Year Round Living on a Sandy Beach

Isle of Palms, SC - proximity to Charleston is great. It is a beautiful place! Charleston is a fantastic little town too. I love the history there as well.