Search found 729 matches

by leeks
Sun Aug 18, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 61
Views: 3135

Re: Go for new job (more pay but travel) or stay?

Different cultures are different but imo your hugely primary, and perhaps only, considerations in this ought to be your wife and children, the ones who will bear the direct brunt of your decision. If I were your spouse, I might be cross knowing that taking this position in part to remit more money ...
by leeks
Sun Jul 28, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Accomodation options for NY visit
Replies: 25
Views: 1725

Re: Accomodation options for NY visit

If you don't need privacy, do an airbnb room rental where owner is present (this setup is NOT illegal) with lots of good reviews in Sunnyside, Woodside or Jackson Heights within a few blocks of the 7 train. Airbnb rentals of full apartments in 2-family homes (such rowhouses are common in queens) are...
by leeks
Fri Jul 26, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 6956

Re: Long commute: how to manage?

If you don't want to consider jobs in the new location, I would be looking for other jobs in the old location that might be more friendly toward partial work from home arrangements and shifting hours to avoid peak traffic. And if it is at all possible with the kind of work you do now (and company ju...
by leeks
Sun Jul 14, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

Sort of obvious questions: What were they like as parents? Were they good parents? Did they sacrifice to help you financially? It bothers me when I see parents that gave everything so that their children could have a better life, such as financially supporting their children's education to the exte...
by leeks
Sat Jul 13, 2019 2:14 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

Do they rent, or own? If they own, many states have lower tax rates for seniors in lower income brackets. If they rent, there is often subsidized senior apartments, again based on income. If there are waiting lists, get on the list now. Utilities -water, gas, electric-often have subsidized rates fo...
by leeks
Sat Jul 13, 2019 2:08 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

Would you consider the level of financial assistance you could afford to give parents based on your budget after college savings contributions? Or would you consider them a higher priority (they can't get loans for retirement, but kids could always get loans for school kind of thinking). No and no....
by leeks
Sat Jul 13, 2019 1:52 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

... We would do everything possible to avoid a nursing home at all costs for any of our parents (so I'm not sure we care much about medicaid rules). Sometimes a nursing home is the best possible solution. It can be difficult to accept that reality if you haven't had to deal directly with a situatio...
by leeks
Sat Jul 13, 2019 1:24 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

. . . . So, while a roof over an aging parent's head helps, often that elderly person may require at least a part-time caregiver to help with walking, food prep, bathing, not to mention continual supervision if dementia or other issues arise, and so on. I guess if someone will be home and is prepar...
by leeks
Sat Jul 13, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

If you are truly "very high income", I would consider funding both to the extent you can balance. Some of college costs can easily be cash flowed during their years in school if you have a high income..... Absolutely. That would be the point of looking at what the plan and budget is for the long ru...
by leeks
Sat Jul 13, 2019 1:15 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

I was realizing that 10K/year might have more impact if we started sending it to my parents now. I don’t understand this comment. If your parents haven’t asked for money and they each have the basics covered, then why would you start giving them money now? I know they are both very stressed out abo...
by leeks
Sat Jul 13, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

Re: priority of supporting parents vs saving for college

Thank you for everyone's thoughts. I have provided some more info below, but there is still too much uncertainty for long-term planning. One wildcard is that we are in NYC now but I would prefer to move states in a year or two (which would have very different income and housing profiles). My husband...
by leeks
Fri Jul 12, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7869

Re: Has anyone inherited a obligation/burden/responsibility?

A relative has specified in a will that I will inherit a collection of guns. Not documented in the will - but per explicit instructions - I would have to sell them and give the proceeds (minus any of my own costs) to another relative who is not named in the will. But these include weapons for which ...
by leeks
Fri Jul 12, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1765

Re: Is any type of marriage counseling partially covered by Health insurance?

Call your insurance company and ask them. Check if either of your employers has some kind of employee assistance plan (some cover some types of counseling). If you have any religious inclination, look into church options. But please don't let cost keep you from doing this. I'd go into credit card de...
by leeks
Fri Jul 12, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3688

priority of supporting parents vs saving for college

Obviously there are many factors, and ideally we will be able to do both, but I am wondering what the Bogleheads' generally feeling is on the priority order of supporting parents vs saving for our own children's college. Would you consider the level of financial assistance you could afford to give p...
by leeks
Fri Jul 12, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 52
Views: 5610

Re: NYC Living Options

Rent for sure. Maybe consider buying after you have lived here a few years. If you are single, pick a neighborhood based on your recreational/social preferences. If you are a solitary type who likes personal space and privacy, driving to beaches and/or hiking areas, would enjoy reading books on your...
by leeks
Fri Jul 12, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 3 kids and 2 working parents - childcare costs
Replies: 17
Views: 1650

Re: 3 kids and 2 working parents - childcare costs

Our thoughts have been that my wife should continue working as she still makes more than daycare costs but ideally she would like to quit some day before we fully retire to spend more time with our children. For me, making more than child care costs alone (make sure you are considering marginal tax...
by leeks
Sat Jul 06, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Job Promotion - How to Show on Resume
Replies: 40
Views: 3386

Re: Job Promotion - How to Show on Resume

quantAndHold wrote:
Sat Jul 06, 2019 2:15 pm
Leave it out of the resume until it actually happens, but work it into the cover letter, and if you’re working with any recruiters, make sure they know.
+1
feel free to mention the expected promotion in cover letter or interview, but it does not belong on your resume
by leeks
Sat Jul 06, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1485

Re: Sofa or couch ( an6 difference) for new homeowners

We have Ikea sofas and love them because they use slip covers that can go in the wash. Kids spill a drink? No problem, throw the cover in the wash and it’s as good as new. Basement sectional sofa is about 10 years old an no issues. Upstairs living room sofa is about a year old and no issues. +1 Ike...
by leeks
Tue Jul 02, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2247

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

How are you planning to get care for the 3 year old if you are in town when your wife goes into labor and you both need to go to the hospital? +1 You need a child care plan anyway even if you don't go out of town. The best case is your oldest child is able to remain at home (labor could begin at ni...
by leeks
Fri Jun 28, 2019 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1790

Re: Tired of being authorized user on credit cards - opening my own

Does it really matter? Is it really worth your time to worry about this? What is the downside to keeping the status quo?
by leeks
Thu Jun 27, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor Keeps Mildy Trespassing
Replies: 19
Views: 2947

Re: Neighbor Keeps Mildy Trespassing

Have an outdoor party and invite him and his wife over for a drink or cup of tea. Start over and attempt to be friendly. Don't talk about any of the petty past stuff (unless you want to apologize for getting off on the wrong foot) and instead talk to each other as humans, find out about their family...
by leeks
Tue Jun 25, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance when loaning car
Replies: 10
Views: 982

Re: Insurance when loaning car

Call your insurance company and ask. I also live in NYC with no car and will be borrowing one from my dad for a few weeks when I visit his area this summer. It is not really necessary I think, but when we do that he always calls his insurer (USAA) and somehow adds me to the policy just for the weeks...
by leeks
Mon Jun 24, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4544

Re: Triage in ER - charged $790

Another vote for pay it and move on. You made a mistake by going. You made another mistake by leaving without trying to deal with the bill then and just hoping for the best. After leaving, you sealed your fate with respect to the bill. JT We have no reason to say the OP made a mistake by going to t...
by leeks
Sat Jun 22, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 1071

Re: Purchase Life Insurance For Adult Child?

Honestly, I would stay out of it.
by leeks
Sat Jun 22, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6997

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

1. There are more than 3 cities in the world, don't accept that these are your only 3 options. Perhaps the right path is something different. I would reassess and consider if there is someplace where you can find a decent job that may not be in the exact place as the wife's family but is within driv...
by leeks
Sat Jun 22, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 4723

Re: Wife considering returning to work

I would not do this for the money. You can afford for her to continue to stay home if you think it is important for your family. You can lead a good life and retire comfortably on your earnings alone (I don't know what your salary is but if you are maxing a 401K, it is enough). However, if your wife...
by leeks
Wed Jun 19, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3351

Re: Anyone make their own tortillas?

We made our own tortillas when we lived in Europe since they were not available in stores back in those days. But nowadays, living in Texas they are so cheap and freshmade in all the grocery stores there is no point in making them at home. I don't know what you are thinking when you write "healthie...
by leeks
Wed Jun 19, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14861

Re: Moving to North Carolina from NYC

It may be trite, but having grown up in NY State, I advise you to leave your NYC ways in NYC. And, for Heaven's sake, don't say "you Southerners don't know how to drive in snow." Typical - but never spoken reply - well, if you like driving in snow so much ... My husband and I are Southerners, from ...
by leeks
Tue Jun 18, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14861

Re: Moving to North Carolina from NYC

I'd love an update to hear if the OP moved and how it has been as I really want to make this move (but husband does not so who knows if it will happen). We are from VA and have friends in NC so we do already have a sense of what it is. But would love the perspective from someone who has recently lef...
by leeks
Fri Jun 14, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2825

Re: Durable non-stick cookware suggestions?

squirm wrote:
Fri Jun 14, 2019 9:45 pm
Seasoned cast iron.
+1
by leeks
Thu Jun 13, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11500

Re: Retired at 35 and have no friends :(

If you don't mind hanging out with kids, look for the stay-at-home parent crowd. We may be the largest subset of people in your age group who are around on weekdays. I would love to have some non-parent friends who were around on weekdays and willing to hang with me despite the kids underfoot, I do...
by leeks
Wed Jun 05, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 9490

Re: Low ball offer to buy my useless land, take it or leave it?

Can you gift them to someone? Maybe to a conservation organization or another charitable cause?
by leeks
Tue Jun 04, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10286

Re: Walking Cities, potential for retirees

There is a website for that: https://www.walkscore.com/cities-and-neighborhoods/ When I typed in my address, the score was 86. I agree because there are many places I can walk to if I choose. +1 on walkscore Here are some Southern cities I love whose inner neighborhoods are quite walkable and are i...
by leeks
Tue Jun 04, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4673

Re: Paying half of my paycheck on health insurance?

Perform the best you can at this job but *very soon* start looking for your next, better job. Temp agency work does not usually include subsidized health insurance, so you are seeing the full cost passed on to the employee. Keep working hard and hopefully your next position will have better pay and ...
by leeks
Tue Jun 04, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4085

Re: Unemployment OVER ! New job dilemma

Fellow Bogleheads, after months of rejections lady luck has finally shown me some love. Here are my 2 job offers. Looking for your wisdom Job1: $375k total comp Medium corp Position: manager with direct reports Management: awesome. Highly driven ,motivated. Lot of work (sometimes chaotic) , travel ...
by leeks
Mon Jun 03, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8375

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

WhiteMaxima wrote:
Mon Jun 03, 2019 12:59 pm
To be fair. I will set up 529 for each of grand.make 100k for each grand 529. then all left divide by children.
If one is in a position to do so, this sounds like an excellent approach.
by leeks
Mon Jun 03, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8375

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

We have no desire to leave any money to anyone (assuming we die after all our children are well into adulthood). To the extent that children, grandchildren, nieces/nephews, etc will get anything from us, we expect these will be gifts/college funds/etc provided during our lifetime. But if we were to ...
by leeks
Sun Jun 02, 2019 5:28 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7898

Re: Do you regret taking a pay cut for quality of life?

What kinds of pay cuts have some of you taken for quality of life? How'd it go? Did you have to change your spending habits much? Are you happier and healthier? Sometime in the next 5 years I'm looking at possibly changing jobs. There would be an initial pay cut of roughly 50%, then back to current...
by leeks
Fri May 31, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39174

Re: For those who earn $500k+ per year. How'd you do that?

This is absolutely the winner. I don't see the point in making more money If you have to give up having a family, then what are you working for, to retire early, do then do what, die alone? Id love to get to the point where DW and I make $200K, she makes 60K and I think moving out of non-profit I c...
by leeks
Fri May 31, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39174

Re: For those who earn $500k+ per year. How'd you do that?

I'd like to hear too... even if only over $200k. I'm a structural engineer making $90k + benefits. Sounds decent but factor in 4 kids + wife, single income, and living in California it's lean living. Always thought in high school and college I wouldn't have to live this lean having my PE stamp. Eve...
by leeks
Fri May 31, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 15182

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

Don't skip your option 0 in addition to whatever else you do. You have the opportunity to spend lots of time with your kids so there is no excuse for not teaching them properly (whether they will follow those teachings as adults is of course a different matter, but it is your responsibility to model...
by leeks
Thu May 30, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Efficient Disneyland visit for family 1-2 days
Replies: 37
Views: 2622

Re: Efficient Disneyland visit for family 1-2 days

I'd just go to the beach. Kids might "want" lots of things. They don't have to get them all. I'd do the thing the whole family will enjoy.
by leeks
Wed May 29, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15451

Re: Can we afford to pay for our kid's college (at all)?

Nate79 wrote:
Wed May 29, 2019 11:04 am
Dave Ramsey and the Total Money Makeover along with Financial Peace University is about the only thing I can think of to fix this mess.
+1
by leeks
Wed May 29, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15451

Re: Can we afford to pay for our kid's college (at all)?

As far as kid goes, he is excited about going to college. OP - Most kids are very excited to leave home, have free room & board and not have to answer to anyone until grades are posted every semester/quarter. I would really think about community college to have him prove that he can accept the grea...
by leeks
Wed May 29, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: PTO -- use it, or cash it out?
Replies: 23
Views: 3365

Re: PTO -- use it, or cash it out?

Use it! Take the time off and enjoy life. Even just staycations. Use the time to take extra care of yourself, rest, exercise, travel, hobbies, whatever.
by leeks
Tue May 28, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3160

Re: "Soft" question on student loans

"I bought my daughter a car and financed it. Later my daughter bought a house and she financed it. But when she went to college, I paid 100% of the costs out of my own pocket. I even stopped contributing to 401k and started a side gig so that she could get out of college debt-free. I wanted her to ...
by leeks
Tue May 28, 2019 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4085

Re: Unemployment OVER ! New job dilemma

from https://www.bogleheads.org/forum/viewtopic.php?p=4054958#p4054958 ("Question to retirees - money or work/life balance?"): Chase money till you have $1M investable assets in your accounts. Then chase quality of life. Simple. Here's a friendly reminder of your own advice from another thread. It s...
by leeks
Tue May 28, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4085

Re: Unemployment OVER ! New job dilemma

Whoa both those commutes are intolerable. I'd probably take neither and look for other options since you don't need the money. But you are not me of course! The line that kills me here is "Job 1 is non stop". I wouldn't want that even if I didn't have kids (although to each his own in terms of work ...
by leeks
Mon May 27, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situation
Replies: 33
Views: 4268

Re: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situati

I'd probably sell the US condo for whatever it can get now to give you the most flexibility. Then keep your spending below an amount that would allow you to live off your current portfolio forever, and use your travels to try out living in some different locales. Perhaps you would be happier somewhe...
by leeks
Mon May 27, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Floor pillows for kids?
Replies: 12
Views: 951

Re: Floor pillows for kids?

They're maybe a year or two from outgrowing this and starting to use furniture like real people. I would just wait it out. Or perhaps we adults should consider the children the "real people" not-yet-spoiled by our lazy adult society and take lessons from them (lots of movement all day long, don't l...