Search found 372 matches

by PlayingLife
Fri Jan 22, 2021 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle allowance vs Fleet Vehicle
Replies: 23
Views: 1712

Re: Vehicle allowance vs Fleet Vehicle

Depending on how good the new employer is at negotiating, be ready for this response, "We can't do that, but we can do this." And depending on how locked in to the new job you are and your negotiating skills, you might be in a "take this or leave it" situation. I'm thinking thro...
by PlayingLife
Fri Jan 22, 2021 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle allowance vs Fleet Vehicle
Replies: 23
Views: 1712

Re: Vehicle allowance vs Fleet Vehicle

Thanks for all of this great feedback. My company car now would cost ~$45K new. I was hoping I could negotiate a car allowance that would give me enough room to purchase the next model up without having to put out any cash outside of the allowance (~$54,000). I am calculating new car & annual ch...
by PlayingLife
Thu Jan 21, 2021 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle allowance vs Fleet Vehicle
Replies: 23
Views: 1712

Re: Vehicle allowance vs Fleet Vehicle

I would approach the vehicle allowance basing everything on a leased vehicle. Figuring replacement every 12 to 36 months depending on your estimated mileage. Vehicle type could depend on whether you actually use it much for business versus if it is just a perk. You might want to check out the reser...
by PlayingLife
Thu Jan 21, 2021 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle allowance vs Fleet Vehicle
Replies: 23
Views: 1712

Vehicle allowance vs Fleet Vehicle

I've had fleet vehicles my entire career and love the convenience. In these cases I always had personal gas cards and could expense practically unlimited personal gas miles (taxed at end of year on personal mileage only - maybe $1000 to $2000 in most years). All other expenses paid....maintenance, a...
by PlayingLife
Sun Jan 17, 2021 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice & Comp Advice for VP Sales Position
Replies: 6
Views: 958

Career Advice & Comp Advice for VP Sales Position

Hi all, Could use some career advice. I have a job offer for a VP of sales position that would give me a 25% jump in salary, landing me somewhere between $200 & $250K before bonuses. The bonus percentage and other perks are likely similar to my current gig. There's serious talk of a long term in...
by PlayingLife
Tue Dec 08, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Post-death financial plan for Mom - Really need some advice
Replies: 18
Views: 2020

Re: Post-death financial plan for Mom - Really need some advice

Hi all - thank you for so many responses. I don't understand "step up" along with some of the tax items to consider and will re-review and research this advice later this evening. I don't think we're too far off from what everyone is proposing. Regarding the stocks, unfortunately they are ...
by PlayingLife
Mon Dec 07, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Post-death financial plan for Mom - Really need some advice
Replies: 18
Views: 2020

Post-death financial plan for Mom - Really need some advice

Unfortunately my father passed away last week and we're now at a point to put a financial plan together for the remainder of our mom's life. The pain point here is that their previous income stream (primary pension) ends with my father's death. This is a complex situation and I greatly appreciate ge...
by PlayingLife
Wed Nov 11, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: NJ POLST versus Advance Directive
Replies: 12
Views: 684

Re: NJ POLST versus Advance Directive

I looked at this issue for my father in Delaware. An advance directive is only activated once the patient is hospitalized and stabilized at the hospital. A POLST requires a terminal illness and needs to be signed by a physician. It is the job of EMTs to get the patient to the hospital alive and the...
by PlayingLife
Wed Nov 11, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: NJ POLST versus Advance Directive
Replies: 12
Views: 684

Re: NJ POLST versus Advance Directive

familythriftmd wrote: Wed Nov 11, 2020 7:56 pm Isn't this non-consumer-related?
Where should I have this post redirected?
by PlayingLife
Wed Nov 11, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Continuing Education Recommendations
Replies: 2
Views: 479

Re: Continuing Education Recommendations

Bumping one time and one time only!
by PlayingLife
Wed Nov 11, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: NJ POLST versus Advance Directive
Replies: 12
Views: 684

NJ POLST versus Advance Directive

Hi all, My father's Advance Directive established a couple of years ago clearly states various DNR orders and avoidance of artificial treatment. His New Jersey nursing home is stating they will ignore this and resuscitate him and use various artificial means to prolong life without having a signed N...
by PlayingLife
Sun Nov 08, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Continuing Education Recommendations
Replies: 2
Views: 479

Continuing Education Recommendations

Hi all. I'm currently managing a sales team of individual contributors and I'm considering options for continuing education. I haven't been a full manager for too long and feel I"m just now finding my stride - I went from being stressed and unsure of my capabilities to feeling in control and ty...
by PlayingLife
Mon Oct 12, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: NJ driver's license renewal by mail - good idea??
Replies: 16
Views: 726

Re: NJ driver's license renewal by mail - good idea??

Had a car inspected in NJ a couple of months ago...no line getting there at 6:30AM for inspection but apparently the line to go inside started around 4AM. Put off renewing my license for this very reason and now it's expired a month! Good timing on this post and thank you. I will stop being lazy and...
by PlayingLife
Mon Oct 12, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Care - Lopes Annuity or Trust
Replies: 15
Views: 1032

Re: Elder Care - Lopes Annuity or Trust

Hi BWS, Let me share my experience and hopefully you pick up on something useful. My father who previously lived in NJ with my mother went through a collection of neurological diagnosis and it eventually came down to Parkison's. He entered a nursing home facility a bit over a year ago in NJ and that...
by PlayingLife
Wed Oct 07, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lonely friend died; who steps in to start settling her affairs?
Replies: 45
Views: 7282

Re: Lonely friend died; who steps in to start settling her affairs?

livesoft wrote: Mon Oct 05, 2020 2:15 pm I remember this article about George Bell who died alone: https://www.nytimes.com/2015/10/18/nyre ... -city.html which does explain some things.

Apparently, a public administrator manages estates.
Thank you for sharing this
by PlayingLife
Thu May 28, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Employer approval for a side gig
Replies: 43
Views: 2525

Re: Employer approval for a side gig

I appreciate all the comments here and think I likely need to go with my gut feeling. I have never signed anything including a non-compete that would pose problems. But there is a "Code of Conduct" shared with employees post hire covering "Conflicts of Interest" which says I need...
by PlayingLife
Thu May 28, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Employer approval for a side gig
Replies: 43
Views: 2525

Employer approval for a side gig

Looking for some basic advice here and thoughts on what sort of outcome I should expect. I work as a manager in a relatively large organization. Typical work weeks are 55-60 hours and to the best of my knowledge I am considered a value added employee and my work ethic is respected and has never been...
by PlayingLife
Tue May 12, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5743

Re: Where do you back up your important data?

I've been thinking about how best to back up our important documents. Right now I'm using an external hard drive and USB stick to back up photos, music, tax returns, bank statements, wills, spreadsheets and word documents. That's working fine, but I'm thinking it might be a good idea to have at lea...
by PlayingLife
Wed Apr 15, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Online courses/programs for aspiring managers?
Replies: 4
Views: 354

Re: Online courses/programs for aspiring managers?

What do you think his/her strengths and weaknesses are? What does he/she think they are? Talk it over with your employee and let him/her find a good fit within your company policies. Personally I'm not a fan of broad "so you want to be a manager" classes. I always try to work with the emp...
by PlayingLife
Wed Apr 15, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Online courses/programs for aspiring managers?
Replies: 4
Views: 354

Re: Online courses/programs for aspiring managers?

timboktoo wrote: Mon Apr 13, 2020 12:25 pm I have a podcast to recommend, if you're open to that. It's called The Look & Sound of Leadership. It's excellent.

- Tim
Many thanks for this! I've been an avid listener of Manager Tools podcast and have recommended it to others. I will add this to my list.
by PlayingLife
Mon Apr 13, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: Online courses/programs for aspiring managers?
Replies: 4
Views: 354

Online courses/programs for aspiring managers?

Anyone have suggestions for either "on demand" or upcoming online programs/courses for aspiring managers? I have an employee I'm looking to enroll while we're stuck working from home for now...might as well make the best of the situation. This sales person already has an MBA from an accred...
by PlayingLife
Thu Apr 09, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 29
Views: 2562

Office chair recommendation for carpeted home office

This 8 year old wooden $75 Target chair is killing me! Any suggestions for a great at home office chair for carpeted surfaces? Preferably under $500
by PlayingLife
Wed Mar 18, 2020 11:58 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56708

Re: How Is Your Job Being Impacted By The Current Crisis?

Mandatory 12-16 hour shifts 7 days a week. I work for a grocery supplier we have 4x normal volume Many, Many thanks! Thanks to the hoarders some simple things are in short supply. WoodSpinner +1000. Appreciate the workers who supply grocery stores whole heartedly. +1000 too, thank you for all your ...
by PlayingLife
Wed Jan 01, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 52
Views: 6851

Re: What financial podcasts do you listen to?

Pete the Planner, Jill on Money
by PlayingLife
Thu Dec 12, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home refinance - quick double take on the offer in hand
Replies: 11
Views: 810

Re: Home refinance - quick double take on the offer in hand

+3 on eliminating tax escrow. Financing the $6k of tax escrows/prepayments makes your property taxes even more expensive. Your closing costs (excluding tax-related escrow/prepayments) are $2,059 (= $75 + $124 + $1,660 + $200). Your true monthly mortgage P&I savings is $132 (= $2,409 - $2,277; s...
by PlayingLife
Thu Dec 12, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Home refinance - quick double take on the offer in hand
Replies: 11
Views: 810

Home refinance - quick double take on the offer in hand

Hi all, Here are the basic details related to a refinance I'm looking at : Home valued at $490K Current loan = $323K remaining @ 4.125% | 24.5 years left on 30 year New loan amount = $330 @ 2.99% interest | 15 year (I plan to lump in closing costs) *Monthly payment goes up about $450 versus current ...
by PlayingLife
Sun Dec 01, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Cloud storage or local SSD hard drive: cost factors
Replies: 16
Views: 1173

Re: Cloud storage or local SSD hard drive: cost factors

I bought an external drive for around $99, approximately 5 years ago. It's used to store photos which I also have and typically upload to my macbook. I actually keep it in a fire proof safe and don't use online storage. I do a mass backup of my macbook two or three times a year to capture the latest...
by PlayingLife
Thu Nov 28, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Possible to negotiate private pay cost for nursing home?
Replies: 22
Views: 2643

Re: Possible to negotiate private pay cost for nursing home?

I would say yes. Of course many of the above comments apply. If there is a waiting list. If they are the best option around. You are always better off doing this prospectively, and not after the patient has been admitted. Contact other facilities in the area, and ask them for their best rate. Consi...
by PlayingLife
Tue Nov 26, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Possible to negotiate private pay cost for nursing home?
Replies: 22
Views: 2643

Possible to negotiate private pay cost for nursing home?

My father moved into a nursing home this week, crossing over from sub acute rehab at the same facility. Is it possible to negotiate cost at a nursing home? They are now on private pay with about 50% coming from LTC insurance payments that are direct deposited straight into my mother's bank account.
by PlayingLife
Tue Nov 26, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Nursing home <$10K in NJ/PA
Replies: 21
Views: 3228

Re: Nursing home <$10K in NJ/PA

kevinf wrote: Sun Nov 17, 2019 9:17 pm https://www.familyassets.com/nursing-ho ... zabethtown

Masonic Village in Elizabethtown, PA is one of the best care facilities in the state and one of the very few that I would willingly put a family member in.
Thank you
by PlayingLife
Tue Nov 26, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Nursing home <$10K in NJ/PA
Replies: 21
Views: 3228

Re: Nursing home <$10K in NJ/PA

Len42 wrote: Mon Nov 18, 2019 7:50 am You might check out Brandywine Living at Dresher Estates, 1405 Limekiln Pike, Dresher, PA 19025.
THank you
by PlayingLife
Tue Nov 26, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Nursing home <$10K in NJ/PA
Replies: 21
Views: 3228

Re: Nursing home <$10K in NJ/PA

Is your family member by chance a Veteran, or was their spouse? There is Aid & Attendance money available if so. Not near that much, but it is a start. Assisted living in Houston runs about $4k a month, nursing homes slightly less, without Medicaid. We are filling out the Aid & Attendance f...
by PlayingLife
Sun Nov 17, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Nursing home <$10K in NJ/PA
Replies: 21
Views: 3228

Nursing home <$10K in NJ/PA

I've called ~20 nursing homes around North NJ on behalf of a family member and I see most seem to range $10.5 - $13K per month. There is one facility in PA for memory care that is $8K/month but this is for a specific need that is not fitting for this given family member. Does anyone know of any opti...
by PlayingLife
Sun Sep 22, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home Admission: Question on NJ spousal home transfer and look back period
Replies: 1
Views: 250

Nursing Home Admission: Question on NJ spousal home transfer and look back period

Quick question for the experts out there. Last year we did an inter-spousal DEED transfer from my father to my mother. So their home went from joint ownership to full ownership under my mother. We followed the same process for an empty next door lot (different block). As a second step we transferred...
by PlayingLife
Sun Sep 22, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1639

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

Are either of your parents honorably discharged veterans? My father is a vet but is not honorably discharged. He served in the Navy under active war times but not within 12 miles radius. We're working with a financial advisor who is helping us understand if he is entitled to any benefits. I have an...
by PlayingLife
Sun Sep 22, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1639

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

Hi everyone, I have been off BH's for a long time. All your responses is a great reminder of how great this community is. I got home around 12:30AM last night after going to the hospital at 7 to pick my sibling up. Here are the quick bullets.... *His was sent home Friday after having a dislocated sh...
by PlayingLife
Sat Sep 21, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1639

Medicare: HELP! From In-Patient to Permanent Nursing Home Care

My father needs to permanently enter a nursing home as soon as possible due to severe progressive aphasia along with some other side issues such as COPD and general decline of cognitive ability. At this point he lives at home with my mother and as of yesterday seems to no longer be able to walk or s...
by PlayingLife
Sun Aug 18, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: North Jersey Nursing Home Recommendations
Replies: 1
Views: 326

North Jersey Nursing Home Recommendations

Unfortunately it's that time and a very close relative has to move into a nursing home facility as soon as possible. We do have some weeks to make a final decision. I'd appreciate any recommendations you may have for a facility in Northern NJ. Preferably Morris, Sussex, or Warren County, as it's in ...
by PlayingLife
Sat Mar 30, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Too late to go after driveway guy?
Replies: 21
Views: 3428

Too late to go after driveway guy?

Last June we had our driveway paved. The guy paved over our existing driveway. The job was very poor from the beginning and a 2x2 section of old driveway was even missed (hidden under a pine tree branch - I offered to cut this away and move it and the guy said he'd take care of it). Also on one area...
by PlayingLife
Mon Feb 18, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff from megacorps vs small-mid sized companies
Replies: 8
Views: 993

Re: Payoff from megacorps vs small-mid sized companies

From an enjoyment standpoint, no doubt smaller firms have been my preference. There is more risk and potential reward. At some point in my career, after another buyout of my smallish employer and faced wth relocation, I opted for med-largish company that operates as a megacorp. It has been miserabl...
by PlayingLife
Sat Feb 16, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff from megacorps vs small-mid sized companies
Replies: 8
Views: 993

Re: Payoff from megacorps vs small-mid sized companies

I think we need more data. 1. Revenue center or cost center? 2. Hard skill set and competancy level 3. Soft skill set(s) abilities 4. Industry vertical E.g., 1. IT drone working on legacy COBOL P/L reporting systems in brokerage with no people skills and does not want people skills? Stay put. Good ...
by PlayingLife
Sat Feb 16, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff from megacorps vs small-mid sized companies
Replies: 8
Views: 993

Payoff from megacorps vs small-mid sized companies

Do you feel working for one sized company is more lucrative than another? Does your opinion change when considering 1-5 years of employment versus 10+ years of employment? I'm currently in a megacorp doing well enough climbing the latter. I've seen people do very well in the multi-billion dollars co...
by PlayingLife
Fri Feb 01, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 4370

Re: Negotiating DayCare Fees

To me daycare for a 0-3 year old (at least) is a continuous activity that is not defined in years, quarters, or semesters. It's not a formal school system and so I cannot understand how annual registration is justified. Also I cannot understand costs incurred for registering my child even though his...
by PlayingLife
Thu Jan 31, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Could anyone recommend a north-Jersey accountant for taxes?
Replies: 0
Views: 179

Could anyone recommend a north-Jersey accountant for taxes?

Hi BH's,

Hopefully this post is within guidelines. Would love recommendations. I've always done my own taxes but there are a lot of complications this year and so I'd prefer a professional's assessment. Board posts and PM's welcome, thank you.
by PlayingLife
Thu Jan 31, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 4370

Re: Negotiating DayCare Fees

We just went through the same thing and had a successful negotiation at our current facility. Success is defined by saving some money...we are still paying insane prices. We knew we really wanted to keep child #1 in the same facility and add newborn. They have done an incredible job since we started...
by PlayingLife
Thu Jan 17, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 63113

Re: John Bogle has died at age 89

RIP Jack and thank you.
by PlayingLife
Tue Nov 27, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Is today a bad time to rebalance?
Replies: 18
Views: 2589

Re: Is today a bad time to rebalance?

OP I think new money should go into bonds (2019), you should think of rebalancing asset allocation as way to mitigate risk before it happens. I would hold equities unless you think some other investment is safer but the potential investment may not necessary improve performance. You are essentially...
by PlayingLife
Mon Nov 26, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Is today a bad time to rebalance?
Replies: 18
Views: 2589

Is today a bad time to rebalance?

Hi BH's, I recently posted questions about "how" to rebalance my portfolio where I currently have 6% in bonds, to an 80/20 allocation. Here are my questions: 1. If I rebalance today to 20% bonds, I'm essentially selling my stock index funds at a loss compared to a couple of month's ago, ri...
by PlayingLife
Sun Nov 25, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Purchasing a Bathroom Vanity
Replies: 6
Views: 882

Purchasing a Bathroom Vanity

Hi BH's, We're doing our first-ever home remodel....a small full bath. We have most materials pinned down but am a little lost on vanities. Here are my questions: 1. What sites/stores do you recommend for purchasing a vanity? 2. For those who have purchased via Lowe's / HD --> How have they held up ...
by PlayingLife
Wed Nov 21, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2406

Re: Expensive car accident | Watching our for insurance

We have Liberty Mutual for our Business truck insurance. They have been very good to us. No sign of any shortcuts being taken. I agree that they will almost certainly total the car. The issue that might arise on a new car that is on a loan is the payout is less than the loan value. And if no loan t...