Search found 365 matches

by leeks
Sun Jan 20, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 39
Views: 1432

Re: Evaluating Job Offer - Longer Commute

If the new job appeals to you, just move near it so you will have a short commute. My SO works 40 minutes in the other direction and we own a house. We did talk about moving, but that would be at least 1-2 years so I could feel out if I would stay there long term. Also, I should add that I don't li...
by leeks
Sun Jan 20, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 23
Views: 1101

Re: Wills- Options other than family/charities?

OP. In a prior post you stated you wanted to leave your children "as little as possible." Now you are asking who might be considered other than family and charities ..... give us a hint, who/what are you considering as potential recipients of your assets upon your death? Perhaps if we had a sense o...
by leeks
Sun Jan 20, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 39
Views: 1432

Re: Evaluating Job Offer - Longer Commute

If the new job appeals to you, just move near it so you will have a short commute.
by leeks
Sun Jan 20, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 23
Views: 1101

Re: Wills- Options other than family/charities?

College funds for children of: friends, neighbors, anyone who has had a positive impact in your life (a high school teacher, sports coach, police officer, firefighter, EMT), a single parent you know barely getting by financially, or someone you see as a hardworker whose family could use a leg up (a ...
by leeks
Sun Jan 20, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 119
Views: 6755

Re: Divorce w/child. Spouse wants to move.

Spouse’s reason for wanting a divorce was inattentiveness, lack of affection from me, and me generally putting other things instead of spouse (mostly work). I think that that assertion is mostly fair. Did you ever try to fix this? Is the marriage still savable? Marriage counseling? Having a child t...
by leeks
Sat Jan 19, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 119
Views: 6755

Re: Divorce w/child. Spouse wants to move.

I saw what you were doing, jody. But, it ultimately comes down to exactly what the courts would do or allow. So,... I don't see any court agreeing to or allowing. we both agree to move, will make we think this amount, so we will split current assets this way. Nope, sorry. Not in my experience anywa...
by leeks
Sat Jan 19, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 119
Views: 6755

Re: Divorce w/child. Spouse wants to move.

The money doesn't matter compared to the drastic changes happening in your life. The situation you describe means you will both make enough money to get by in either place. There will be no fairness to anyone in any way if there is a divorce involving a child. Let go of the idea of fairness. Figure ...
by leeks
Sat Jan 19, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 4962

Re: Is California worth the premium?

No.

Unless you have close family there or all your closest longtime friends are there.
by leeks
Fri Jan 18, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 103
Views: 10273

Re: How much money did you receive from family? (Gifts/inheritance)

Finally, my father has died recently. He was frugal and careful and died with a sizeable estate, relative to his earnings (college professor). His legacy is now, sadly, irrelevant to our finances. I have resolved to give it away entirely, to causes dear to my parents, and will be learning from this...
by leeks
Fri Jan 18, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 62
Views: 2799

Re: How do you keep a calendar?

My wallet has mini-size organizer rings, I use a "month on two pages" calendar. I have had it for about a decade. I pay a $5 for a new calendar refill each year. There could be a cheaper approach but I love having it on paper, with a tiny pencil inside, and always with me when I leave the house, ri...
by leeks
Fri Jan 18, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 62
Views: 2799

Re: How do you keep a calendar?

My wallet has mini-size organizer rings, I use a "month on two pages" calendar. I have had it for about a decade. I pay a $5 for a new calendar refill each year. There could be a cheaper approach but I love having it on paper, with a tiny pencil inside, and always with me when I leave the house, rig...
by leeks
Fri Jan 18, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 19
Views: 1258

Re: Car Rental - Getting specific type of car

Hello, Traveling to Colorado on Saturday and have booked an SUV with Enterprise. They told me "90% of our fleet has 4x4/AWD" I NEED a 4x4 for traveling to our ski resort and cannot get Enterprise to guarantee me a 4x4 vehicle. Other car rental outlets are the same way, they won't guarantee anything...
by leeks
Fri Jan 18, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Screwed up big time applying for life insurance
Replies: 15
Views: 2376

Re: Screwed up big time applying for life insurance

sergio wrote:
Thu Jan 17, 2019 9:52 pm
What are my options here?
What did the rep/company say when you called and asked?
by leeks
Tue Jan 15, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3268

Re: Choosing a trustee

My wife and I met with an estate attorney to setup our will. We have 2 young children, 2 & 4 yo, and 3 million in life insurance and a couple hundred thousand in investment/retirement accounts that will hopefully grow considerably by the time they are no longer minors. If something was to happen to...
by leeks
Tue Jan 15, 2019 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Check-in
Replies: 4
Views: 639

Re: Annual Check-in

2) I know our e-fund is a little thin, daycare is really brutal, ~50% of our take home pay goes to mortgage + daycare (roughly equal chunks). We are making an effort to add two more months to that by the end of this year. We were able to sock away more than 50% of both of our pay raises this year, ...
by leeks
Tue Jan 15, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2749

Re: School staff threatened to call social worker

But it seems to me that the value of experiencing another country considerably exceeds the value of attending school. Wow, really? For two weeks, absolutely! Certainly the experience of traveling abroad - hopefully with language immersion - is extremely stimulating to a young child and will be an i...
by leeks
Tue Jan 15, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2579

Re: Screwed myself on salary negotiations, how do I get past this?

Congrats on a new job you really wanted! And also getting a salary higher than their original offer. Enjoy.
by leeks
Sun Jan 13, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3730

Re: Duffel Bag vs Wheeled Stand Up traveling

2018: 100,000 miles, 80 flights, 20 cities. If it doesn't roll - or attach to something that does - it stays home. Exactly. How many of the people who are carrying a bunch of stuff on their shoulders are over 40? Or women? Or fly more than 100k? I suspect very few. I'm a woman. Not quite 40 but ass...
by leeks
Fri Jan 11, 2019 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.
Replies: 29
Views: 5511

Re: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.

...I have now paid off my credit card debt, student loans from graduate school, and purchased a home in the major East Coast city that I live in (with an adequate down payment to avoid PMI at a very favorable low interest rate last year)...We max our 401Ks and Backdoor Roth IRAs each year. I've don...
by leeks
Fri Jan 11, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: What is an appropriate retirement gift?
Replies: 23
Views: 1347

Re: What is an appropriate retirement gift?

I wouldn't have thought of that as a gift-giving occasion. If it were me, I'd only do a standard "showing up at someone else's house" aka "hostess" kind of gift: a bottle of wine...a loaf a homemade banana bread...a bouquet of flowers...a crate of clementines...etc.
by leeks
Thu Jan 10, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: resources about a rental property business
Replies: 4
Views: 484

Re: resources about a rental property business

Thanks for your reply Fabdog, but I think I'm looking for guidance that is a bit more conservative/simple/straightforward (more like bogleheads!). I have looked at biggerpockets but the tone makes me extremely wary: https://www.biggerpockets.com/renewsblog/2015/08/21/real-estate-over-stocks/ "Unlike...
by leeks
Thu Jan 10, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5525

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

We have 3 kids, ages 6, 4, and one on the way. Current family vehicle is Toyota Prius V with 130k miles. We could fit 3 kids in back using narrow car / booster seats. For camping trips that require a lot of luggage, I could make the gear fit using a roof box and racks. But I'm wondering if I'm bein...
by leeks
Thu Jan 10, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: resources about a rental property business
Replies: 4
Views: 484

resources about a rental property business

I would like recommendations for resources about starting a side-gig business that buys rental property and manages short term (airbnb/vrbo) and long term rentals. I feel like a website is the better place to start as a book is likely to be outdated quickly (for example, recent years have seen chang...
by leeks
Thu Jan 10, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20267

Re: $40,000 in debt, bankruptcy seems to be the best option right now

https://www.bogleheads.org/forum/viewtopic.php?f=1&t=232853&newpost=4312194#p4311839 Thread above has a current update from a family that was in debt in 2017. A different kind of situation but some similar behaviors to what we have recommended here were needed to fix. Note the part where their incom...
by leeks
Wed Jan 09, 2019 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3187

Re: Life transition, what's next

Is living with the newly (or soon to be) divorced daughter an option? Possibly relocating to another area that suits all three of you (and any children if she has some)? It could be mutually beneficial financially. Of course, it could be a disaster for your relationship, depends on the family dynami...
by leeks
Tue Jan 08, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2670

Re: Need a little insight from STEM Bogleheads

No one should have to pay to get a PhD in a STEM field. The university should pay the grad student a living wage and tuition. Anybody who pays for a PhD in a STEM field is getting ripped off. +1 She should go ahead and apply to PhD programs and compare the funding packages. But certainly do not att...
by leeks
Tue Jan 08, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Good kitchen mixing bowls
Replies: 17
Views: 1035

Re: Good kitchen mixing bowls

An artisan gifted us handmade ceramic bowls intended to be mixing bowls, but I don't use them for that. They are heavier (harder to hold with one hand while scraping out the batter with another) and I don't want to worry about breaking them (small children help me cook) and it is an extra step to ha...
by leeks
Mon Jan 07, 2019 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping capital gains on second home ideas?
Replies: 22
Views: 1556

Re: Escaping capital gains on second home ideas?

No tax evasion intended - totally on the up & up. I could easily make this my primary residence for two years - possibly longer - maybe permanent. (Northern state has no state income tax) Health directives, umbrella insurance, vehicle insurance discounts with homeowners policy, living will are some...
by leeks
Mon Jan 07, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: USAA apology letter?
Replies: 42
Views: 6080

Re: USAA apology letter?

More recent dissatisfaction with USAA: In the past, USAA, like other banks which primarily serve the military, offered to float its customers' paychecks during a government shutdown. In other words, it offered a zero-interest loan to service members until paychecks resumed. But this year, USAA has ...
by leeks
Mon Jan 07, 2019 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10539

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

Even if they pay $30K for a wedding, which by the way is the average cost in most parts of the country, they will get most or all of that back in gifts, I know we paid for our wedding and got generous gifts from each set of parents and easily the wedding was a zero cost. No, this is not standard/sh...
by leeks
Mon Jan 07, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Strategic Spending to Hedge Against Future Uncertainity
Replies: 19
Views: 858

Re: Strategic Spending to Hedge Against Future Uncertainity

Your plan makes sense. I assume your wife is onboard? But you don’t need to justify spending on experiences rather than stuff. If you wanted a boat that your family could enjoy while the kids are young, that’s fine too. Save enough to meet your goals, and then spend what’s left according to your pr...
by leeks
Mon Jan 07, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Strategic Spending to Hedge Against Future Uncertainity
Replies: 19
Views: 858

Re: Strategic Spending to Hedge Against Future Uncertainity

Yes, you can afford it, do more travel now!
by leeks
Mon Jan 07, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to estimate health insurance costs in case of job loss?
Replies: 22
Views: 1143

Re: Best way to estimate health insurance costs in case of job loss?

Rupert wrote:
Mon Jan 07, 2019 2:03 pm
For planning purposes, I would use the cost of COBRA coverage (cost of your present employer-provided coverage, including the portion your employer pays, plus a small administrative fee).
+1
Your employer should be able to give you this amount. No annoying phone calls to deal with later.
by leeks
Mon Jan 07, 2019 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping capital gains on second home ideas?
Replies: 22
Views: 1556

Re: Escaping capital gains on second home ideas?

Where do you want to live? Do you no longer want (or can afford) two homes?
by leeks
Mon Jan 07, 2019 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10539

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

Wait until you are married to buy a house and combine finances. It sounds like your fiance wants to feel like you are both making equal contributions going into the up-front costs of your formal partnership (wedding/home purchase). Hers is not the only point of view about that but it is not an unre...
by leeks
Mon Jan 07, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 7196

Re: Child # 3 - seeking advise from older members

I will be interested to see responses but I'm guessing finances is not the biggest issue. I'm also guessing none regret 3+ children once they are older. Ours are ages 2 and 4 and we are just now almost sometimes maybe but not consistently getting 7-8 hours of uninterrupted sleep. We are having a rea...
by leeks
Mon Jan 07, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1736

Re: $100 Christmas gift

You might want to remove your first name from your posts (assuming your username includes your lastname). You can't be too careful with personal privacy online, particularly when publicly discussing money in accounts.
by leeks
Mon Jan 07, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1736

Re: $100 Christmas gift

I have spoken over the potential use with the giver and we've discussed that sometimes it pays not to be so misery. For years and years I wanted a pair of hockey skates, but I could never justify the cost from a financial perspective, is it "ok" to let the money go in this case or should I invest i...
by leeks
Mon Jan 07, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20407

Re: Best town I've never heard of [for relocating]

So Raleigh is only a 464K population, but if that is close enough, look at Durham and Chapel Hill.
by leeks
Mon Jan 07, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2475

Re: Who pays for apps?

To me, there are not clear distinctions between a website subscription/service, an "app" on a phone or tablet, and "software" on a laptop/desktop. The difference is the mode of access. I don't like to do much on my phone so I haven't found the need to pay for anything extra for it. But I am willing ...
by leeks
Sun Jan 06, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a Ryan Home?
Replies: 30
Views: 3070

Re: Thoughts on Buying a Ryan Home?

I heard generally bad things second-hand, but that was over 10 years ago and not in Washington, DC area.
by leeks
Sun Jan 06, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 2309

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

Depends so much on what you prefer. Our faves would not help you as we like crisp breathable sheets, linen or percale weave cotton, low thread count actually better. I hate sateen weave cotton, too slippery and sweaty. Flannel is quite soft but warm, we do use that in winter. I would try 100 percent...
by leeks
Sun Jan 06, 2019 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Max employer match or max self-contribution?
Replies: 6
Views: 640

Re: Max employer match or max self-contribution?

If the OP's plan does not "true up" after the end of the year. They will want to make at least a 6% contribution each pay period to get the full match. The other complicating factor is whether 401k contributions are taken out of bonuses. This is also plan dependent. None of the 401k plans I had did...
by leeks
Sat Jan 05, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 6
Views: 388

Re: Health Ins for 26yr old : which state and options?

He is 26. He should be the one looking at the ACA websites, researching and shopping for policies in the state he lives in. It is generous if you are going to help him pay for it, and if he wants advice, you can certainly help him choose the optimal plan, but he needs to do it himself. He needs to b...
by leeks
Sat Jan 05, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20267

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Yes, I hope the tone here doesn't come off as too negative. The situation requires urgent change, but you can do this! And you can come back later and inspire others on this message board once you have stories about how you turned things around. If you can't stomach Dave Ramsey's style (although up ...
by leeks
Sat Jan 05, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Re: Keeping old statements from closed accounts

scan and shred

then you don't have to think too much about it now, no more paper in your house, but you have the records in case ever needed
by leeks
Sat Jan 05, 2019 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Max employer match or max self-contribution?
Replies: 6
Views: 640

Re: Max employer match or max self-contribution?

deleted - contained incorrect info
by leeks
Sat Jan 05, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20267

Re: $40,000 in debt, bankruptcy seems to be the best option right now

As mentioned, you need to either generate more income or reduce housing costs for your lifestyle to be financially sustainable. Dave Ramsey approach could be useful, but without addressing income/housing problem, it will be tough to get ahead. Meanwhile, can you talk with a local credit union? Some ...