Search found 80 matches

by Rosco
Sat Jan 31, 2015 10:00 am
Forum: Personal Investments
Topic: HSA Question with small contribution
Replies: 1
Views: 400

HSA Question with small contribution

Hi, We have a HDHP and don't make enough to sock away a large amount into an hsa. My understanding is that my employer could contribute to an hsa in my name and it not be taxable, but that won't happen... What would happen is they would reduce my salary and pay an agreed amount into an hsa for me. That said, since I can't afford to put a lot in an hsa and the fees associated with setting it up seem high $50 then $2/month... could the employer legally pay my medical bill and take it out of my salary, effectively making it tax-free without paying the bank to set up an account. Or would their paying my bill still have to be shown as income to me? Since I could only start with $1000, just trying to figure out a way to avoid the 5% load and mont...
by Rosco
Sun Jan 11, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 38
Views: 13362

Re: We miss Larry Swedroe

i miss you too, Mr. Swedroe. I'm inferring your absence to be some sort of new years' resolution. remember, it's ok to break those. s
by Rosco
Fri Dec 19, 2014 6:40 pm
Forum: Personal Investments
Topic: long term capital gains in 15% bracket
Replies: 5
Views: 1503

long term capital gains in 15% bracket

I'm in the 15% tax bracket and have a taxable account whose gains just became long term. The are in a Target Retirement 2030. Should/can I just sell them to reset the cost and buy a Lifestrategy or different Target Retirement? Do I need to worry about when TR2030 pays divs before I sell them, and likewise when I can rebuy something else? S
by Rosco
Tue Dec 02, 2014 9:09 pm
Forum: Personal Investments
Topic: Best Investments for Roth IRA
Replies: 12
Views: 5346

Re: Best Investments for Roth IRA

Congratulations, livesoft, on 35,000, pretty underwhelming post for 35K, but nonetheless auspicious moment.
by Rosco
Mon Nov 17, 2014 5:12 pm
Forum: Personal Investments
Topic: utma bonds into a cd
Replies: 0
Views: 370

utma bonds into a cd

My kids are 7,5,3 and I have custodial accounts with $9600, 6600, 6200 respectively in 2030 TR funds which I think are about 25% bonds. Would it be of any advantage to sell them before the beginning of the year and put about 3K, 2k, 2k in a CD from LCEF at 3% and the rest in total stock market, or is this not worth the effort... or a stupid question that would require a crystal ball!? They're up about $700, 400, 400 respectively... so should I sell anyway by year end to reset cost basis? Thanks for thoughts, apologies in advance if I'm wasting your time. s
by Rosco
Tue Nov 11, 2014 7:47 pm
Forum: Investing - Theory, News & General
Topic: Insurance is a bad investment for college saving - My policy
Replies: 14
Views: 1988

Re: Insurance is a bad investment - My policy as example

I think in grandparent's case it's a fear that stocks always bring losses and a feeling that the world is rigged against... but, lo, insurance is a guaranteed way to beat the system. It's an uphill battle against 80+ years of thinking. Thanks for the reminder. S
by Rosco
Mon Nov 10, 2014 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: dad wants to get univ life policy for grandkids
Replies: 21
Views: 2960

Re: dad wants to get univ life policy for grandkids

I have given up on the thought that I can meaningfully save for my kids to go to college and for retirement... I've nearly given up on the thought that college prepares kids for anything useful besides feelings of entitlement... I find this very sad. My wife and I worked hard and saved and paid for our sons' college educations. They are both hardworking, gainfully employed in terrific positions, self-supporting, and happy. I see absolutely no signs of "feelings of entitlement" - quite the contrary. We are very proud. It's a feeling I wish for every parent. so your suggestion is scrimp now for their college education and when they graduate (which will be a proud day because I won't be raising kids as indicated above) maybe I can m...
by Rosco
Sun Nov 09, 2014 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: dad wants to get univ life policy for grandkids
Replies: 21
Views: 2960

Re: dad wants to get univ life policy for grandkids

I'm sure that his gift would be a couple thousand per child for one time. this is incredibly generous as folks are comfortable but not well off. I have given up on the thought that I can meaningfully save for my kids to go to college and for retirement... I've nearly given up on the thought that college prepares kids for anything useful besides feelings of entitlement... that said, I'm sure that my wife will go back to work outside of the home when all are in school so probably most of aid from us will come from her salary. dad is convinced that the money beyond premium is tax free. doubtless, he received that assurance from the salesman. S
by Rosco
Sat Nov 08, 2014 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: New car - should I pay cash or use credit?
Replies: 32
Views: 6426

Re: New car - should I pay cash or use credit?

if the market crashes 50% and you lose your job won't you wish you had the money you dropped in one lump on a car? why not use someone's money... my car loan is at 0% for 5 years... in any down market I'll probably wish I could be putting htose car payments into the market as it goes on discount, but how would you know? S
by Rosco
Sat Nov 08, 2014 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: dad wants to get univ life policy for grandkids
Replies: 21
Views: 2960

dad wants to get univ life policy for grandkids

My dad has mentioned twice now that he wants to put a couple thousand in a universal life policy for my kids - assume he meant 2K for all three kids. I told him I don't need it, and the kids would have to swim on their own when that day came as college is prohibitively expensive. He's pretty convinced about the UL policy as the smart ticket as it's guaranteed 4.5%. Clearly, he hasn't thought out how much college will cost when my 7,5,3, year olds are ready. I told him we started a custodial account for each of the kids for a few years before giving up and realizing we better fund our retirement... if he wanted he could give to that. Better I suggested he just keep it as long as he may have need or desire, and if not just throw it in the wil...
by Rosco
Fri Oct 10, 2014 9:04 pm
Forum: Investing - Theory, News & General
Topic: Thrivent Financial Experience
Replies: 7
Views: 2000

Re: Thrivent Financial Experience

they're fine if you remember to use insurance companies for insurance... not to manage your investments. this was likely a bone they threw to their agents to give them another stream when it was hard to sell insurance or all the potential new insurance contracts were maxed out. the expense ratios are high because inside the funds they are owning funds managed by someone else. S
by Rosco
Thu Oct 09, 2014 11:54 am
Forum: Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 3057

Re: old universal life insurance policy as fixed income

thought I'd bump in hopes of an answer... I mean once you've sunk the cost of getting the policy... is there ever any utility in keeping it? S
by Rosco
Sun Aug 03, 2014 1:02 pm
Forum: Personal Investments
Topic: Starting AA from Scratch: 24-years-old
Replies: 8
Views: 1107

Re: Starting AA from Scratch: 24-years-old

you have 400k at the age of 24... the best investment you could make at this point is: skip grad school and keep doing what you're doing. S
edit: actually read your post and note salary, etc, forget the above, but do see recent thread on investing with Merril
by Rosco
Wed Jul 30, 2014 8:16 am
Forum: Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 20
Views: 5312

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

are you sure that 403b with met life doesn't also include vanguard total bond; total stock market; total international? It looks suspiciously familiar. bh
by Rosco
Tue Jul 08, 2014 4:29 pm
Forum: Personal Investments
Topic: portfolio review
Replies: 2
Views: 440

Re: portfolio review

I will this year max the Roths for wife and self, but I hadn't been as I thought one day I'd have to buy a house... my housing now is provided. I think year by year I'll move it in the Roth direction. R
by Rosco
Tue Jul 08, 2014 3:41 pm
Forum: Personal Investments
Topic: portfolio review
Replies: 2
Views: 440

portfolio review

Greetings, Thank you in advance for any time you take. I'm 43, married with 3 kids. Single income salary 45k. Debt: 16k on a car at 0% for 3 more years. Lowest tax bracket. Traditional IRA 40k 2030 Vanguard Target Retirement Roth IRA 80k 2030 Target Retirement Wife's Roth 20k 2030 Target Retirement Taxable account 55k : (25k Vg tax managed balanced 15k Vg total stock market 15k Vg Intermediate Tax exempt 401k 15k VG total stock VG Total Int stock VG total extended market VG Total Bond Mk Checking/Emergency: 10k Question: I kind of consider my taxable account as part of my emergency account. I don't want to be losing too much from it, but don't want it doing nothing. I just split up my last taxable contributions into the individual component...
by Rosco
Sat Dec 07, 2013 9:06 am
Forum: Personal Consumer Issues
Topic: cell phone family plans
Replies: 4
Views: 838

cell phone family plans

I'm trying to get my cell phone family plan cost down to below $50. Currently I use net 10 and wife doesn't have a cell phone. We would consider dropping a landline and getting her a phone for mobile use if we could switch our current number to her line on a cell phone... but I don't like the costs of most of the plans. OTOH it has to be reliable. are there any that you would recommend? Talk and possibly some day text would be the only likely used features. Don't need mobile internet access. Thanks for any ideas. SS
by Rosco
Wed Nov 27, 2013 6:02 pm
Forum: Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 901

Re: selling in taxable accounts

I don't know. I used tax managed balanced in taxable because that was the first suggestion I ever got on this forum... and if I decided for tax gain harvest (?) I thought I ought to just reinvest in the individual components of the balanced fund. I have to have bonds as it's not money I can afford to lose 90% from.... I'm hearing you say I could just as well use total bond. I assumed not because of inefficiencies of regular bonds in taxable. wouldn't surprise me to learn I'm an idiot... long suspected it. Rosco
by Rosco
Wed Nov 27, 2013 1:07 pm
Forum: Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 901

Re: selling in taxable accounts

thanks for that helpful explanation. Re. the UTMA accounts (3)... If I switched between a LS and a TR fund and each made $1000+, would they be taxed at my level (15%)? Would it be advantageous in a taxable account to own the individual components of the tax managed balanced or is the balanced fund able to be TL harvested from? I know that doesn't apply this year as it was up over 12% even with a slight loss on the bond side, but for future reference... thanks for your thoughts, rosco
by Rosco
Wed Nov 27, 2013 8:51 am
Forum: Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 901

selling in taxable accounts

My taxable account is 100% vanguard Tax managed balanced (50/50). The gains will become long term cap gains very soon. I am in the lowest tax bracket. It was suggested that I sell it when the cg become long term and buy vanguard total stock market and a muni bond fund individually. It was also suggested that I sell each of my kids UTMA accounts which are in Life Strategy Growth and switch them to a Target Retirement Fund. The suggestion didn't come with reasoning as to what benefit I was getting... Is it potential for TLH'ing from individual funds? What about the UTMA switch? Thanks for thoughts. Are there other things a low bracket person should be doing at the end of the year, having done about as well as I could with my Roths? Rosco
by Rosco
Wed Jul 10, 2013 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate for Single Income Families
Replies: 17
Views: 3069

Re: Savings Rate for Single Income Families

If you can keep that savings rate that high, you'll do great... You won't need as much as you'll be used to a modest standard of living... though you'll still be better than most with your savings rate, assuming you're fairly young. We have three kids and the wife takes care of the household. I think that you will be thankful to have her with your kids - and it's probably a wash in a high cost of living area. I hope she enjoys it as well. I know I need to be more supportive and appreciative of what my wife does... probably something for you to remember! My question is always how much to attempt to save for education. We've had to err on the side of funding retirement with the hope that as the kids get older we can just use my wife's future ...
by Rosco
Sat Jun 22, 2013 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss for tax managed balanced fund
Replies: 7
Views: 914

tax loss for tax managed balanced fund

I have a taxable account in Vg tax managed balanced - 50/50 with muni bonds/s&p index. Can you tlh from a balanced fund? Assuming I didn't want a large equity exposure, what would I buy into that wouldn't be considered substantially identical? Probably a thread on this but the one I read didn't help a lot... thanks always for patience. S
by Rosco
Wed Jun 12, 2013 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Stay at home dads?
Replies: 65
Views: 6455

Re: Stay at home dads?

Why would you pay for daycare if your husband stayed home? I probably missed that. Not much point in anyone staying home if the kids are being taken care of somewhere else.
by Rosco
Tue May 28, 2013 9:44 pm
Forum: Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1945

Re: Simplicity [of My Portfolio]

that's mine exactly, except the fidelity is a lifestrategy growth as are the kids utmas. i'm hoping someone will tell you this is destined to make you (us) very affluent. I assume the taxable is actually a tax managed balanced fund? S
by Rosco
Wed May 15, 2013 9:24 pm
Forum: Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 1097

Re: 3 day wait for rebalancing

scone above says that he has the problem at fidelity also. annoying. s
by Rosco
Wed May 15, 2013 12:11 pm
Forum: Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 1097

3 day wait for rebalancing

In my perpetual ignorance, please bear with me. I have an ira with vanguard that had 6 or 7 etfs and it got out of balance in these last months. I thought I'd like to forget the whole mess so I sold (over the phone with vanguard assistance) the etf's on Monday and have to wait until Friday before I can put the whole mess into a LifeStrategy fund. Is this normal... Should I have done it differently to avoid being out of the market for that week or is this par for the course? Kinda was hoping for a mild economic collapse until Friday but oh well. S
by Rosco
Mon May 13, 2013 9:40 pm
Forum: Personal Consumer Issues
Topic: Is gas mileage alone worth getting a different car?
Replies: 24
Views: 3232

Re: Is gas mileage alone worth getting a different car?

As a fellow 3 kid Sienna owner... you'd be nuts to get a prius... any self esteem issues aside. My experience of vacation with 3 kids is - don't minimize that one week of driving as a good reason to keep the van! They'll drive you nuts in a little car. S
by Rosco
Sat May 11, 2013 12:41 pm
Forum: Investing - Theory, News & General
Topic: why a 7% return estimate going forward
Replies: 55
Views: 7032

why a 7% return estimate going forward

Mr. Bogle and others have suggested 7% may be an optimistic number when making decisions regarding the markets future and its relationship to saving, investing, etc. IOW, will have to save much more and expect much less over the rest of my working career. Is that 7% primarily a function of dividends being 2.5% less? I was beginning to accept the notion that dividends aren't too important to chase anyway?! Also, are the reduced expectations the experts predicting also carried over to international stocks/bonds? Sorry in advance for my ignorance. S
by Rosco
Wed May 08, 2013 12:37 pm
Forum: US Chapters
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 3872

Re: Happy Birthday Mr. John Bogle

Humbly extending gratitude from our family, wife and boys 5,3,1. As a father wanting the best for my kids, thanks for all you have done for their future and our family's. You have given financial freedom to so many... God bless you, S
by Rosco
Sun May 05, 2013 4:29 pm
Forum: Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 6052

Re: Anyone wish to share their play money investments?

YttriumNitrate wrote:My play money is invested in a couple of the publicly traded companies located in the town I live in because I figure I have a some advantages over the institutional investors in their New York skyscrapers. For example, when I see the CFO of a company driving around town in a new Corvette, that's often a sign it's time to buy.
How do you know it's not a sign he's embezzling and you're about to lose your investment? S
by Rosco
Tue Apr 30, 2013 9:21 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 59379

Re: Frontline--The Retirement Gamble

Thanks for the link... sometimes calculators give disparate results so that helps. S
by Rosco
Tue Apr 30, 2013 7:41 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 59379

Re: Frontline--The Retirement Gamble

Anyone know the formula for figuring return when you begin with an initial investment and then add a fixed amount each month over a number of years and you compound monthly or quarterly...
I get the annual compounding formula M=P(1+i)n
but I get a little lost when we start adding variables... I'm trying to explain how Bogle got to the number he did over a 50 year horizon... Though with annual compounding I got to 60% to fund; 40% to owner. Sorry for the arithmetically challenged question. S
by Rosco
Fri Apr 26, 2013 10:31 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

wendyw - my wife thought that was worth a look. small hands. I can't wait to see it to. looks like it would fit well in the pocket or pant leg. she likes the idea of getting some leisure shooting. vline drawer safe was nice addition for consideration as well. Thanks all, S
by Rosco
Thu Apr 25, 2013 8:47 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

You make a convincing case including the picture, but it looks tiny. I'm definitely checking the xd springfield, s&W Shield, kahr cw9. some reason can't get on with the revolvers, though the Judge would be great for house. Thanks to all for your insights. S
by Rosco
Wed Apr 24, 2013 8:50 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

I have to do a lot of range time before answering that question... More likely it would allow it to be in a vehicle with me. I probably will carry some times but I really need to find the right tool. Just realized how much the Kahr would cost and am not sure wife would give me permission. S
by Rosco
Wed Apr 24, 2013 5:31 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

It's interesting checking out the revolvers versus the pistols among the current recommendations. Kahr p9 wasn't even on the radar and is now... as well as the great safe tips.
btw - no expert but I doubt many animals die eating animals killed by lead! Just kidding - I got what you meant. further, I would never contemplate using a ccw if the alternative to losing much of my life's saving wasn't worse... but I truly understand why you make the worthwhile reminder. Hope it never happens.
by Rosco
Wed Apr 24, 2013 12:45 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

sounds like the first thing to look at is a finger print safe. I have the big turn the knob variety. I always thought my walther p22 would be a great ccw as it's comfortable and very small, though it is very finicky on ammo, so I'd prefer a bit more assurance that when the trigger was pulled it cycled. Does ok with high velocity bullets. i'm sure most times the appearance of a gun is enough of a deterrent, but if it's not I don't know if I'd just want him to keep coming. what do the finger print safes cost? I assume those are of the size to put by your bed on a dresser, rather than multi-gun safes. S
by Rosco
Wed Apr 24, 2013 8:45 am
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

I do have little ones in the home so I'm really thinking about those issues. Do have a safe they could never access but neither could I if I needed to in a hurry. Will the stores let me shoot all those different kinds to get the feel or would I have to rent time on a trial? I do most of my shooting with a Walther p22, browning buckmark and ruger mark 3 for target practice, which is in part why the safety on the trigger style causes trepidation. It may be that I take the class and have to take a long time before I feel comfortable actually carrying, but I want to take the class to get some time with a professional instructor. I'm self-taught and enjoy it, but want to learn best practices. S
by Rosco
Tue Apr 23, 2013 9:06 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

S&W 442 is nice... have to check at store. The 340 or was it 342 would be 357/38 but it cost more than twice as much. S
by Rosco
Tue Apr 23, 2013 8:57 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw [Concealed Carry Weapon]

appreciate the continuance. the abbreviation wasn't to be deceptive but actually to only attract those who would understand. The comments are great. Hadn't considered a 357 for the ammo versatility. Had been leaning to 9mm for the ammo price as I would want substantial range time. Will check out the roscoe! S
by Rosco
Tue Apr 23, 2013 5:19 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw

As with most of my queries, the Bogleheads have again proved most helpful with this consumer issue. Thanks to all for thoughts and I'll keep checking in so long as someone doesn't take this in a different direction than "Personal Consumer Issue" and get it locked. Till then I'll check out the Shield, the Taurus and thank TxAg and all for helpful comments.
swampdonkey: The 740 is a nice looking gun and the price is great, but I was surprised by the evaluations of Taurus. not so friendly. otoh I know owners get pretty parochial re. their favorites.
by Rosco
Tue Apr 23, 2013 12:15 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

Re: any suggestions on a ccw

So much of my life I've been a bird hunter, etc I really wonder/worry about a lack of manual safety when getting out of a holster, which kind of takes me in the direction of a ruger lc9 but I liked the feel of a springfield xd9 I tried yesterday. It has a compression safety feature in the palm, but not a manual safety that I grew up with on every other gun. Any thoughts on having the safety on the trigger as, say, a Glock 26? S
Sorry
CCW concealed carry weapon
by Rosco
Tue Apr 23, 2013 8:20 am
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 12115

any suggestions on a ccw [Concealed Carry Weapon]

IL will soon become last state to issue ccp. Looking for a ccw that isn't bulky/uncomfortable, hits where it's aimed, but must be economical. S
by Rosco
Sun Apr 14, 2013 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

I don't disagree with that. I believe (note this will not bear out in every circumstance) that intentionally inculcating kids with strong values, faith, family, country, etc is best done with a parent in the home - in most circumstances. These folks have to decide where their own strengths lie and what their priority will be in their home and for their children. If money is no factor, which seems clear. If neither parent is married to work... and either/both would be eager to consider a change for a time. My opinion would be that early in a child's life is better, and there are tremendous benefits to the whole family. S p.s. (edit) janelane had a good suggestion re. eating together. Being intentional is the key to success. For anecdotal per...
by Rosco
Sat Apr 13, 2013 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

Just came back to the post after the ship has sailed, but let me clarify - as it was misquoted in an earlier post - I am not a lawyer! In one of life's great ironies, while getting ready to type this, my son pooped his pants. I'm not much of a father - so much as I had assumed! As to the many posts about how well you all turned out, I am very pleased that this forum is so rewarding to follow because of all the amazing people that interact here. Academics were not really the point in why we choose to have a mom in the home, but because we want to form the character of our kids. I know there's a possibility that things would work out the other way, but... I did also come to the realization that I don't necessarily care that much about how far...
by Rosco
Wed Apr 10, 2013 9:44 pm
Forum: Investing - Theory, News & General
Topic: election night bond issues
Replies: 1
Views: 337

election night bond issues

Anybody know where to look for info on bond issues when a number of municipalities had bond issues in last night's IL election. S
by Rosco
Tue Apr 09, 2013 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

I'm glad you are all high achievers. My only evidence is 15 years in the classroom. Maybe talk with some educators about behavioral issues, etc. Totally agree that good parents can make and do make it work. JaneLane wisely suggests eating together every night. Seems old fashioned but is good advice.
by Rosco
Mon Apr 08, 2013 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

Good point! But I do think your eyes are all the evidence you need.
by Rosco
Mon Apr 08, 2013 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

+1... Brilliantly said. Ask each other 1) Why you chose to have kids; 2) Who did you hope would be the dominant influence in their upbringing (good daycare - the primary one raising your kids will be the provider; bad day care - primary will be their peers 8-10 hours/day - 5-6 days/wk; 3) What will you feel worse about a failed career or failed children... A job is always just a job.

I'm embarrassed for those using the forum to ration educational resources or fight movement battles... it's about the kids. Assuming competence on the parent's side, they will generally do better with a mom or dad at home. The evidence is all around you! You don't need a study for this one!
by Rosco
Sat Apr 06, 2013 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 14025

Re: Should my wife keep working or become a stay-at-home mom

Your kids will never regret having a mom at home... neither will you or your wife. Actually, that's probably not true, days it will drive her crazy, but you will be blessed in the long run. Kids will probably also be happier and healthier and won't bring home the junk that other families allow to seep into their children's lives. Probably you may keep them from being obnoxious as many parents seem to tolerate. S