Search found 244 matches

by lostinjersey
Wed Jul 08, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Pre-fab (modular) home building experience
Replies: 61
Views: 4464

Re: Pre-fab (modular) home building experience

I know someone who did this. The house was great, but the foundation was the wrong size, so yeah. Not cool. It was a huge hassle to fix so that the house could go on the foundation.

Something to think about.
by lostinjersey
Tue Jun 16, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1612

Re: House cleaning in Covid

We haven’t had our cleaner in since Feb, and prob won’t until July. We’re still paying her.
by lostinjersey
Wed Jun 10, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5530

Re: What Size Home For A Family?

I once read a rule of thumb of 500 sq ft/person + 500 sq ft. This has worked pretty well for us.

Of course, layout really matters.
by lostinjersey
Mon Jun 08, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Stainless steel pasta strainer
Replies: 18
Views: 2135

Re: Stainless steel pasta strainer

I have a funny story about this. Probably 10 years ago my brother was buying a colander for me for Christmas (I had asked for it). He was picking one off the shelf at WalMart when a strange woman came up and asked him if he was buying it as a gift. He admitted to this and she told him to save his mo...
by lostinjersey
Mon Jun 08, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What’s a Fluffy Retirement Budget in HCOL?
Replies: 13
Views: 1293

Re: What’s a Fluffy Retirement Budget in HCOL?

Thanks everyone. Sounds like we are on the right track. Appreciate the validation.
by lostinjersey
Mon Jun 08, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6427

Re: Does Buying an RV make sense?

I’m casually in the market for an towable trailer, and I’m really drawn to the fiberglass brands: Scamp, Casita, and Escape. They appear to retain their value VERY WELL, and sell super quick on the used market. Due to being fiberglass they don’t have the leak problems that most other towable traile...
by lostinjersey
Mon Jun 08, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What’s a Fluffy Retirement Budget in HCOL?
Replies: 13
Views: 1293

Re: What’s a Fluffy Retirement Budget in HCOL?

Thanks muffins. We currently budget about $10k, but a lot of that is housing and kids, which I expect will be flipped to medical and travel. :)
by lostinjersey
Mon Jun 08, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What’s a Fluffy Retirement Budget in HCOL?
Replies: 13
Views: 1293

What’s a Fluffy Retirement Budget in HCOL?

I’m curious what retirement spending looks like today for those in the ‘go-go’ phase. Assuming no debt and living in a HCOL area on the coasts, what are you spending for basics and for extras? We’re about 10-15 years out, so are getting more serious about actual numbers. But we still have a child to...
by lostinjersey
Sun Jun 07, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: Struggling on Purchasing the Right Car
Replies: 54
Views: 4030

Re: Struggling on Purchasing the Right Car

Bogleheads taught me to never buy the lowest trim level of anything - toaster, refrigerator, car. Too many corners are cut to get the price down. I have a base level 2006 Civic, bought before I leaned this lesson. I’m going to upgrade (another Civic) and will be getting the mid level trim (I think i...
by lostinjersey
Sat Jun 06, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 607

Re: Movie recommendation for Kids (9/10 yrs) ?

Thanks, i will check this out, but, is it ok with watch with kiddos ? Not a movie, but we are really enjoying Heartland. It’s a Canadian TV series set on a ranch in Alberta. Great story, wholesome and engaging. It’s got something like 12 seasons on Netflix. Yes absolutely. Our daughter is 10 and sh...
by lostinjersey
Sat Jun 06, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 607

Re: Movie recommendation for Kids (9/10 yrs) ?

Not a movie, but we are really enjoying Heartland. It’s a Canadian TV series set on a ranch in Alberta. Great story, wholesome and engaging. It’s got something like 12 seasons on Netflix.
by lostinjersey
Wed Jun 03, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 21
Views: 1467

Re: Small Estate in CA and Probate

Appreciate all the replies, especially from folks with first hand experience. This is not easy to navigate and it’s so helpful to hear from those who have gone before. Greatly appreciated.
by lostinjersey
Wed Jun 03, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 21
Views: 1467

Re: Small Estate in CA and Probate

I usually prefer to have a Will that provides for the children in trust rather than outright, to keep the children's inheritances out of their estates, and to protect their inheritances from their creditors and spouses, and Medicaid. I also usually prefer not to have named beneficiaries except for ...
by lostinjersey
Wed May 27, 2020 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 21
Views: 1467

Re: Small Estate in CA and Probate

Wouldn't it be easier for their heirs if they prepared wills to appoint an administrator to pay burial expenses and file final tax returns for them? They should also consider executing springing POA's and health care POA's in the event one is deceased and the other incapacitated. Otherwise you may ...
by lostinjersey
Wed May 27, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 21
Views: 1467

Re: Small Estate in CA and Probate

Thanks dual. I’ll let them know about the bank accounts.

I realize I was unclear about their other property. They don’t own real estate. In addition to the bank accounts, their only other assets are things like furniture, clothing, appliances, etc. Nothing of any significant value.
by lostinjersey
Wed May 27, 2020 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 21
Views: 1467

Small Estate in CA and Probate

Curious about CA law and small estates. I have some family members (husband and wife) who are elderly and currently have no will (to my knowledge). Their only assets are personal property and checking and savings accounts. Total net worth is probably less than $300k. If one was to pass away, it’s my...
by lostinjersey
Wed Apr 01, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7606

Re: Which iPhone would you buy today?

So funny that this thread got bumped. I was just thinking today about posting an update. Based on all the feedback I got, I decided to wait for the SE2. I was hoping to have it by now, but alas, we still wait. I hear it should be here soon, though, maybe in the next few days, and I will be the first...
by lostinjersey
Wed Feb 05, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: California East Bay, Place to live and commute to Oakland, CA
Replies: 74
Views: 5029

Re: California East Bay, Place to live and commute to Oakland, CA

I skimmed but didn’t see Alameda. It’s on an island (peninsula??) so has some separation, but is right next door to Oakland, self-contained, lovely Victorian homes, nice sized downtown with lots of mom and pop stores. Leans right-er than the other parts of the Bay due to the Coast Guard presence. An...
by lostinjersey
Thu Jan 09, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3301

Re: How to organize your photos

I have moved everything to google photos. It can search by person, location, object, date. No need to ‘organize’. Life changing. I'm looking into that now.... it's a bit overwhelming. What's overwhelming? How are they organized today? I had files and folders everywhere - on phones, on computers, in...
by lostinjersey
Wed Jan 08, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3301

Re: How to organize your photos

I have moved everything to google photos. It can search by person, location, object, date. No need to ‘organize’.

Life changing.
by lostinjersey
Fri Dec 20, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10341

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

You guys are doing well for your ages. But without a college degree, you are both at risk of being passed over for ‘good’ jobs and being under-earners your whole lives. If you really want to change your family tree, invest in some more education. It will pay off down the road.
by lostinjersey
Wed Dec 11, 2019 3:21 pm
Forum: Personal Investments
Topic: After-tax 401k Strategy
Replies: 14
Views: 1360

Re: After-tax 401k Strategy

My 401k plan just added the after-tax contribution option. I can go all the way up to the IRS max of $57K in 2020 ($19.5K pre-tax + employer contribution + after-tax contribution). I'm told that in-plan conversions to Roth IRAs are not possible , so the proper Mega Back Door Roth IRA contribution i...
by lostinjersey
Wed Dec 11, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7606

Which iPhone would you buy today?

My SE is on its last legs. My iphone-buying-strategy has been to buy the two-year-old version (new) and keep it for 3-4 years. Is that still a good plan these days?

If not, what would you recommend?
by lostinjersey
Wed Nov 27, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: New job opportunity, tough decision
Replies: 54
Views: 4189

Re: New job opportunity, tough decision

With kids at 5 and 3, and a wife in an inflexible job, I would think long and hard about giving up your flexible, short commute, ‘easy’ job. You’re going to need the flexibility as your kids hit school. The daycare years are so much more easier to manage - drop between 7am and 6pm. Once they’re in s...
by lostinjersey
Tue Nov 12, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 34
Views: 2258

Re: Roku - is the Express sufficient?

We switched to YouTubeTV last year. At the time, the Amazon Firestick was not compatible with YouTubeTV. Maybe that has changed; I don't know.

We use the Roku Ultra and are very happy with the setup.
by lostinjersey
Sun Nov 10, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9364

Re: Should I buy the family cottage?

If anyone in America should buy the family cottage, it’s you.
by lostinjersey
Wed Oct 30, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Jobs - short term COBRA, Qualifying Event?
Replies: 6
Views: 446

Re: Changing Jobs - short term COBRA, Qualifying Event?

COBRA can be elected retroactively. Plan for no dr appts during those two weeks and fill your Rxs before 11/15. You should be fine, and if you happen to break a leg on 11/20, just send in the paperwork to elect COBRA before the 60-day election period expires.
by lostinjersey
Tue Oct 22, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)
Replies: 26
Views: 2262

Re: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)

I’m a benefits manager in a VHCOL. In my area, you’re looking at pay around your current salary as a manager. You’d probably have to start at a lower analyst level to break in. Honestly I wouldn’t recommend it. Too much regulation/compliance, not enough actual thinking/analysis. Maybe it’s different...
by lostinjersey
Fri Oct 11, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4344

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

We get a lot of games with youtubetv. Way more that I expected. Includes Mondays and Thursdays.

Plus a cloud DVR with unlimited recording.

Highly recommend.
by lostinjersey
Wed Oct 02, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2606

Re: Camper Trailers

We have a Chevy Traverse whose towing capacity is less than your Tundra’s. We ended up with an Apex Nano, 21 ft. It’s about 5,000 lbs I think.

We looked at the ultralights like Scamp, but we couldn’t stand up straight which was a dealbreaker. Nano was $20k all in, bought new 3 years ago. We love it!
by lostinjersey
Fri Aug 23, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can Employer Legally charge 401k Plan fees without Disclosing them?
Replies: 11
Views: 991

Re: Can Employer Legally charge 401k Plan fees without Disclosing them?

The SPD doesn’t necessarily discuss fees, nor is it required to.

The annual fee disclosure does, and is required to.
by lostinjersey
Fri Jun 28, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 8057

Re: Relocate to Seattle or NYC

I mean, neither is cheap, but your salary will go a lot further in Seattle than NYC (I have lived in both metros, currently in SEA).
by lostinjersey
Mon Jun 24, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7772

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

OP we have been on a similar journey/similar decision points. I'm from a Rocky Mountain state; my DH is an immigrant but CA-based since he moved here in his early 20s. We met and got married in CA, then moved to NJ for our careers. Had a kid and knew we didn't want her to grow up so far from family ...
by lostinjersey
Thu Jun 20, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: A week or so in West Virginia
Replies: 9
Views: 1196

Re: A week or so in West Virginia

We really loved the Frontier Culture Museum in Stanton, VA (just across the border). It has homes and outbuildings that are replicas of those from different times on the frontier. So you can see how the houses got more comfortable as the years went by. It’s very interactive so you can draw water fro...
by lostinjersey
Mon Jun 17, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: Restore Corrupted External Hard Drive
Replies: 20
Views: 1434

Re: Restore Corrupted External Hard Drive

Good question. It's been a while, I think I tried that already, but I will try again tomorrow and report back with the actual error message. Thanks for your reply.
by lostinjersey
Mon Jun 17, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Restore Corrupted External Hard Drive
Replies: 20
Views: 1434

Restore Corrupted External Hard Drive

Around 2010-2012, I backed up all my digital pictures to date on a couple external hard drives. I recently tried to open the picture files and was dismayed that they weren't accessible; the entire hard drive appears to be corrupted. Should I take this to the Geek Squad at Best Buy, or is there a bet...
by lostinjersey
Sun Jun 16, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: 70th Birthday Party Ideas
Replies: 11
Views: 921

Re: 70th Birthday Party Ideas

Thanks everyone! Unfortunately there aren’t many pix, but we will get what we can. It will be a surprise for one twin but not the other. They have lived totally separate lives since high school, so no shared experiences or friends. Setting aside the twins’ aspect, any other ideas for a 70th party? M...
by lostinjersey
Sun Jun 16, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: 70th Birthday Party Ideas
Replies: 11
Views: 921

70th Birthday Party Ideas

I'm planning a 70th birthday party for my mom and her twin. They have not celebrated their birthday together in at least 50 years. I'm gathering old photos but what else would make it memorable?
by lostinjersey
Fri Jun 14, 2019 11:59 pm
Forum: Personal Investments
Topic: A 401k only partially vested
Replies: 10
Views: 1216

Re: A 401k only partially vested

They’re tracking it and will forfeit your nonvested funds at the appropriate time. Probably the earlier of 5 years with less than 1,000 hours, or when you take a distribution. Could be different but there’s no need to remind them...they do this all the time.
by lostinjersey
Fri May 31, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5726

Re: Working for the Airlines - Value of Free Travel

Thanks for the replies everyone. I’d be working in the main hub, and there lots of flights to our main destination. We also just have one kiddo, and both DH and I travel solely with her from time to time. Like, the two of them will fly to main destination for the weekend, to visit his parents, at le...
by lostinjersey
Fri May 31, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5726

Re: Working for the Airlines - Value of Free Travel

Assume when you travel with your kids that you'll be in 19B, one kid will be in 22E, the other in 33A and your spouse in the jump seat. Yeah I get that. I was a travel agent in another life, so I understand how it works. But I'd still like to hear thoughts on quantifying the value, mostly because I...
by lostinjersey
Fri May 31, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5726

Working for the Airlines - Value of Free Travel

I'm interviewing with an airline and considering how to quantify the travel benefits. Sounds like my family (me + spouse + children) can travel for free as long as there is space, plus I'd get an allotment of 'buddy passes' for extended family use. It's a non-trivial benefit in my opinion since we t...
by lostinjersey
Sun May 26, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Seeking Suggestions for Greater Baltimore Area Communities & Neighborhoods
Replies: 6
Views: 508

Re: Seeking Suggestions for Greater Baltimore Area Communities & Neighborhoods

Have you checked out the city-data.com forums? Lots of good info there for folks relocating.
by lostinjersey
Sun May 26, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Job Offers, Relocation - Stuck & Need Advice
Replies: 18
Views: 2407

Re: 2 Job Offers, Relocation - Stuck & Need Advice

Seems like a smart decision to me. As you get older, being close to family/friends gets more important, I’ve discovered.

Good luck with the move and the reset.
by lostinjersey
Thu May 23, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 48
Views: 4165

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

You can leave your estate to whomever you wish and have no obligation to a half brother. Gill Gill not that I don't believe your statement do you have any case law or principle this is base on? sorry to make you work. The only requirement that exists in most states is that a spouse can’t be complet...
by lostinjersey
Thu May 23, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 48
Views: 4165

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

You can leave your estate to whomever you wish and have no obligation to a half brother. Gill Gill not that I don't believe your statement do you have any case law or principle this is base on? sorry to make you work. The only requirement that exists in most states is that a spouse can’t be complet...
by lostinjersey
Thu May 16, 2019 3:54 pm
Forum: Personal Investments
Topic: Impact of early semi-retirement on SS when the time comes?
Replies: 15
Views: 1750

Re: Impact of early semi-retirement on SS when the time comes?

My general take is that once you’re past the second SS bend point, future benefit increases are negligible.

You can google for bend point calculators.
by lostinjersey
Wed May 08, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Job Offers, Relocation - Stuck & Need Advice
Replies: 18
Views: 2407

Re: 2 Job Offers, Relocation - Stuck & Need Advice

We left SV for Minnesota. It was a huge mistake. Financially, of course we were way ahead, but culturally it was not a fit. Now we are in Seattle and much happier, if with a lower savings rate.

Think long and hard about moving to the Midwest if you’ve never lived there.