Search found 385 matches

by Hug401k
Tue Aug 11, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 40
Views: 2140

Re: Chase Amazon Prime Card--4% back

Looks like there is a new promotion for the Chase Amazon Prime Card--4% back on all normally 1% and 2% back categories--that is, basically everything other than Amazon/Whole Food purchases. Interesting. I logged into my Chase account page to see if I was eligible for this and discovered that my Cha...
by Hug401k
Tue Aug 11, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 40
Views: 2140

Re: Chase Amazon Prime Card--4% back

Hey, my offer was for 2%! :annoyed
by Hug401k
Sat Jul 25, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of buying a big house
Replies: 60
Views: 5073

Re: Pros and cons of buying a big house

When there is a pandemic, it's really nice for people to be able to work/zoom from their separate spaces. I can't count how many times I've been thankful we upsized for our quarantine.
by Hug401k
Tue Jun 16, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1612

Re: House cleaning in Covid

TxAg wrote:
Tue Jun 16, 2020 2:13 pm
Ours came back in May
+1- Mid May. We are not seniors but we have kids. She wears a mask and we get out of the way.
by Hug401k
Wed Apr 22, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5506

Re: Work Hours Reduced and then Furloughed

As the other response mentioned, it depends on the state. It might be better to not come in for those two days. I’m in Florida. Wouldnt company look at in a negative way if I did not coming in for 2 days? Thanks FL is $275 + 600...and I believe they follow that same rule (anything you earn is subtr...
by Hug401k
Thu Apr 09, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: CARES bill unemployment benefits - layoff date requirement?
Replies: 4
Views: 463

Re: CARES bill unemployment benefits - layoff date requirement?

There doesn't seem to be. I just received it automatically, separate deposit, same day. I was laid off in December. This is in MA. In another twist, I have a new job offer, and I had a start date for last week, but my new role requires a background check. Since none of the courts are open in MA, I c...
by Hug401k
Thu Apr 02, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 8038

Re: College choice dilemma

I'd vote Vandy, but I'm that kid who didn't go to my first choice school because of money. Instead I ended up a State U and still had loans. And yet when I graduated, I found a lot more state U contacts than my 1st choice school. I've done just fine. Long story short, recognize a good value when you...
by Hug401k
Wed Mar 25, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 5991

Re: Paying housecleaner during COVID shutdown

I paid her in full via Venmo. I am asking her to do an extra cleaning item when she returns, whenever that may be. She's been cleaning for me for many years. I am not paying some others like my hairdresser and chiropractor. Of course, that being said, I've been laid off, so decisions need to be made.
by Hug401k
Mon Mar 16, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - should I get out of it now?
Replies: 40
Views: 3709

Re: Buying a house - should I get out of it now?

It might be a high purchase price, but how low is the interest rate? Play around a bit with that. If interest rates go up, what is the net expense to you? How big of a stretch is this house for you? You have 12 months emergency fund, maybe don't buy all the new stuff you might want for the house imm...
by Hug401k
Thu Mar 12, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Payoff 401k loan with HELOC?
Replies: 15
Views: 700

Re: Payoff 401k loan with HELOC?

Interest in a 401k loan is typically paid to yourself, not any loan provider. Assuming yours works this way, and you already sold high to take the loan, I'd probably keep it, with the caveat that you feel secure in your job and do not expect to have to pay it back suddenly if you leave or get laid o...
by Hug401k
Mon Mar 09, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Very thorough home inspector western MA
Replies: 6
Views: 767

Re: Very thorough home inspector western MA

I have someone who specialized in old houses. Those are often the flipped ones. Let me see if I can find his info later today and I will send a private message.
by Hug401k
Sat Feb 22, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1073

Re: Fidelity 529 Plan New Hampshre

I use this plan too. Like the other person mentioned, make sure you use the Index option. I've been using it for 14 years. It seems fine to me, but I'm still in the savings phase but we've had some good returns. We are getting closer to college age so it's getting more conservative. As far as why to...
by Hug401k
Wed Feb 19, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28115

Re: Protection Against Home Intruders

Reading this thread, I feel like I need a Toyota HiLux with a .50 cal mounted in the bed and maybe 12,000 rounds or so. Geez....some of you people need to move. If I shot someone coming into the house after I went to bed, it would be one of my sons or my wife. Or maybe one of the deer or bears that...
by Hug401k
Tue Feb 18, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Had a baby and received generous check from her great grandparents. Now what?
Replies: 157
Views: 11665

Re: Had a baby and received generous check from her great grandparents. Now what?

I haven't read all the really complicated comments here. I can just say that when we had a similar situation, we opened a 529 plan- Index Fund, state of NH- version at Fidelity (our state had no tax benefit). I've always deposited checks made out to my kids into my bank account since they don't have...
by Hug401k
Mon Feb 10, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Practical interior design, for the non-HGTV crowd
Replies: 8
Views: 890

Re: Practical interior design, for the non-HGTV crowd

A good interior designer should understand what you are saying. Hire someone who has raised a family and understands that it will be lived in . Last couch I bought, I said "I want your most durable couch with your most durable fabric" They may not post your end result on the web site but they should...
by Hug401k
Mon Feb 10, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14221

Re: Am I crazy to consider quitting my job?

This is a tough crowd to ask. Whatever they did seems to be the only right answer. I have been a work in the office Mom, a stay at home mom, a FT work from home mom. None of them are just right. For a few months, I had a 3 day a week schedule and I really enjoyed it. Some of your hardest decisions ...
by Hug401k
Sun Feb 09, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14221

Re: Am I crazy to consider quitting my job?

This is a tough crowd to ask. Whatever they did seems to be the only right answer. I have been a work in the office Mom, a stay at home mom, a FT work from home mom. None of them are just right. For a few months, I had a 3 day a week schedule and I really enjoyed it. Some of your hardest decisions h...
by Hug401k
Tue Jan 28, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Backyard Fountain For Noise Mitigation
Replies: 15
Views: 1636

Re: Backyard Fountain For Noise Mitigation

Usually a real garden center will have some type of outdoor fountain. I've also seen them for sale on Wayfair.com. Can you also plant some evergreen type tree that won't drop leaves in the winter?
by Hug401k
Tue Jan 14, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sewer Line Replacement - Expensive/Next Steps
Replies: 23
Views: 2774

Re: Sewer Line Replacement - Expensive/Next Steps

1984? That seems odd unless quality has gone downhill. I would guess our cast iron pipes are almost 100.
by Hug401k
Sun Jan 12, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4512

Re: Critique My 2019 Spending

Does your mortgage rate include property taxes? Do you have excise tax? Other than that I'd say your numbers are amazing.
by Hug401k
Thu Jan 02, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Boston condo purchase and renovation experience?
Replies: 21
Views: 1478

Re: Boston condo purchase and renovation experience?

You can raise an infant in a house with lead paint. Most people of any certain age, or who live in a certain area, were in fact raised with it since it's in almost every house over 40-50 yrs old which is most of the Northeast. Not a single person in my family, including my kids, were raised in house...
by Hug401k
Fri Dec 20, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Having $200k in cash. Should I buy 2 houses for my kids? OR VTSAX
Replies: 60
Views: 6205

Re: Having $200k in cash. Should I buy 2 houses for my kids? OR VTSAX

Do you think its good idea, or should I just put those $200k in VTSAX and call it a day. after 30 years, I assume those $200k turn into $2.2 mil with 8% return annually. thanks guys Have you considered using a 529 for a portion of the funds? Tax-free growth over 14-22 years is amazing. Your kids ma...
by Hug401k
Tue Dec 17, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2370

Re: Does anyone gift their mailman?

I always want to tip my normal UPS driver this time of year, but she disappears, replaced with contractors. I need to start leaving a July present. My UPS driver provides an extremely high level of service compared to the rest.
by Hug401k
Tue Dec 17, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2370

Re: Does anyone gift their mailman?

Nope. I have considered gifting the garbage collection guys some cash, but so far I have not done so. If anyone deserves a gift at this time of years, it is those guys imo. My mother used to leave cold cokes out for the garbage men in the summer, back when they were lifting barrels and not the truc...
by Hug401k
Mon Dec 16, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Re: Need help. Daycare vs Nanny.

I didn't read all the comments, but I had 2 kids go through daycare. That being said, in your scenario, I'd try the Nanny. The drive will be unbearable soon for your little one. The nanny can take her to socialization events and she will be fine. I'm a little weirded out that your boss thinks he has...
by Hug401k
Thu Nov 07, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 29
Views: 3193

Re: Braces: Keeping cost down and insurance questions.

Ortho is written in dental plans as a separate lifetime maximum, so to make it simple, you could start orthodontist services late in the year, say November, and make sure your child is covered on one insurance plan. Submit the full amount, I am sure the ortho will be more than happy to bill it, mee...
by Hug401k
Thu Nov 07, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 5048

Re: Best month to take RMDs?

I take it on my birthday. Very scientific.
by Hug401k
Wed Nov 06, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Can you ever find decent flight deals during peak seasons (Christmas, Spring Break, etc.)?
Replies: 10
Views: 1099

Re: Can you ever find decent flight deals during peak seasons (Christmas, Spring Break, etc.)?

I was looking for flights from Manchester NH to Savannah once for over April break. I accidentally searched on Manchester, England to Savannah. Ends up, same price. We've been driving since.
by Hug401k
Tue Nov 05, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Legally employing a personal assistant?
Replies: 44
Views: 3127

Re: Legally employing a personal assistant?

This is all they do on Care.com. I would check out that web site. They have a free consultation under Homepay option.
by Hug401k
Sat Oct 12, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6728

Re: Hotel mini bar - rude to use for own stuff

This is why my kids think hotels like Hampton Inn and Hyatt Place with a room fridge and free breakfast are the really fancy hotels. They were wondering why we stayed at a cheap place without these things this summer, when it was actually a "nicer" hotel. I'm starting to agree with them. :D
by Hug401k
Sun Sep 29, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 12192

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Only complaint is that going back to dial in voicemail seems so dated. I know they keep that on purpose! Anyone find that there's a way to add it for a couple $$ a month? I did not see that as an option. Do you have an iPhone? If not, it looks like you are out of luck. According to this Verizon FAQ...
by Hug401k
Mon Sep 23, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10662

Re: Physical activity suggestions for a non athletic youth

I have a 11 yr old boy that is the opposite. He must be active ALL OF THE TIME. I spend a lot of time trying to keep him active without actually playing another flipping sport. And while he is underweight and eats whatever, his sister is not, she has to pay attention to what she eats. So I understan...
by Hug401k
Thu Sep 19, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 12333

Re: How do you spend money to gain time? (young family)

But laundry is so trivial that I don't want to see any whining on bogleheads.org anymore about it. ;) My thought also. I am single, and I spend maybe three minutes loading the washer or transferring clothes to the dryer or folding dry clothes. Multiply that by 4, say, and it's still not a lot, espe...
by Hug401k
Thu Aug 29, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Any experience with Trim or Billcutterz?
Replies: 17
Views: 1309

Re: Any experience with Trim or Billcutterz?

I used Bill Shark and they got me back down to the introductory rate for FIOS Triple play. I had tried negotiating myself and got offers that saved me $10 a month or so, but they probably saved me another $20-$30 plus I got some more channels and faster internet speed. I did have to make a 2 year co...
by Hug401k
Wed Aug 28, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I have an FSA and HSA?
Replies: 3
Views: 313

Re: Can I have an FSA and HSA?

MichCPA wrote:
Wed Aug 28, 2019 1:05 pm
You cannot have a full coverage FSA and be eligible to contribute to an HSA.

Limited purpose or dependent care FSAs are fine.
This. My limited purpose FSA covers vision and dental- aka contacts and braces, which are some major expenses.
by Hug401k
Wed Aug 28, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How does a loan from a TIAA account work?
Replies: 5
Views: 521

Re: How does a loan from a TIAA account work?

TIAA offers multiple kinds of retirement plan loans, the version is typically chosen by your employer. So what happens at once place may not happen at others.
by Hug401k
Wed Aug 14, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buy historic, walkable home or stay in blah subdivision with short commute?
Replies: 56
Views: 6478

Re: Buy historic, walkable home or stay in blah subdivision with short commute?

Fellow old house owner here. The 1870's is some of my favorite vintage. I actually think 1870-1890's are some of the best houses ever built (at least in New England) They tend to be beautiful, high ceilings, solid unshaking floors, sound dampening walls with beautiful hardwood floors and fireplaces....
by Hug401k
Sun Aug 04, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Getting Songs Off Honda Pilot Hard Drive
Replies: 2
Views: 563

Re: Getting Songs Off Honda Pilot Hard Drive

Funny, my husband bough a used Infiniti. Bon Jovi's greatest hits was downloaded from the previous owner. Either it wasn't notices or it can't be deleted. My husband, being more of a sports radio kind of guy, never thought too much about it, never downloaded anything himself, but my pre-k daughter w...
by Hug401k
Sat Jul 06, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 16439

Re: Staying the course is so hard (support thread)

You work 300 hours a month. The last thing you need is a big old house. Old house owners are a slightly crazy and obsessed bunch.

Signed,
a big old house owner
by Hug401k
Wed Jun 26, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14802

Re: How did you lower your annual expenses?

A lot of good ones listed here.. from a more practical standpoint.. -Now that my kids are a bit older, I'm pretty pleased I steered them away from activities like dance, gymnastics, figure skating, horseback riding and ice hockey. :dollar :moneybag -When times were tight, I did cook from scratch muc...
by Hug401k
Mon Jun 10, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 2000

Re: How to donate to a non profit organization anonymously?

I've been using Charity Navigator. It leverages Network for Good, a donor advised fund but I don't need $5k or to open any investment account. I've done as little as $100 before. You can pick your chosen charities and give them whatever you wish, multiple charities at a time. There is an option for ...
by Hug401k
Mon Jun 03, 2019 10:58 am
Forum: Personal Investments
Topic: Would you pay off car loan early?
Replies: 46
Views: 2779

Re: Would you pay off car loan early?

Since you are not really paying off the car with $1000, you may want to look at your loan agreement to see if paying extra above the regular payment amount actually benefits you or it just is a pre-payment of a future payment due. I’d also make sure you have some amount of an emergency fund in plac...
by Hug401k
Mon Jun 03, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12629

Re: How long have you been unemployed?

I'm 46. Started working in 1994. In 2000, I joined a small internet start up. It was an awful culture. It died at the start of the internet bubble pop when their purchase fell through. I was laid off. Job Separation #1. I was out 3 months before joining my old company for a new job. In 2004, company...
by Hug401k
Sat May 25, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 3203

Re: Do you think we can stop funding our 529 plan?

I would say keep going for now. The earlier, the better. You can always stop later (or stop one, or reduce etc). Are you eligible for a Roth IRA? When we were, I funded a Roth as a flex account. I can use the contribution for education or retirement, depending on the need. We have quite a bit saved ...
by Hug401k
Mon May 20, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 10496

Re: My solar investment experience

I looked at solar, not from a payback standpoint but as a portfolio decision. I had 14k cash. I didnt want more real estate, stocks or bonds. This 14k investment returns tax free savings every year; the savings increase with electricity price increases; and it is not tied to the markets. I feel mor...
by Hug401k
Fri May 17, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6490

Re: Guidance on choosing between UMich and Brown

School prestige is very much a regional thing, and, IMO, falls away much faster outside of the home region for smaller schools. Michigan's center of "high prestige" is the Midwest, but it's big enough that it's well known across the country. The prestige of its sports programs perhaps shouldn't mat...
by Hug401k
Fri May 17, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to regrade/flatten a backyard
Replies: 27
Views: 3174

Re: Cost to regrade/flatten a backyard

Definitely get multiple quotes. Ours were all over the place. We ended up hiring a local guy who clears land and does general back hoe work. He basically took dirt from the high points and moved it the lower ones. Brought in some dirt he was getting rid of on another job. Our wall added was only abo...
by Hug401k
Fri May 03, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Boat close enough to the dock? Career transition question
Replies: 10
Views: 1399

Re: Boat close enough to the dock? Career transition question

I think a FT job, a PT job, a baby and a spouse who is a doctor is probably too much to not live a crazed life. However, if you have more kids, all in daycare, you may have a problem if you cut the FT job. Maybe you could cut the FT job and do part time daycare? Or get a part time nanny? 2.5k is a l...
by Hug401k
Fri May 03, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 10496

Re: My solar investment experience

I looked at solar, not from a payback standpoint but as a portfolio decision. I had 14k cash. I didnt want more real estate, stocks or bonds. This 14k investment returns tax free savings every year; the savings increase with electricity price increases; and it is not tied to the markets. I feel mor...
by Hug401k
Wed Apr 24, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 6036

Re: How far would you commute?

I commuted to Boston for 25+ years. In the end, I decided, in the heat of the moment, that I was done with commuting and was ready for retirement. What are your commuting options? Is there a commuter train nearby? It makes a huge difference. I took train for many years; door to door, it was 45 minu...