Search found 360 matches

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: 3053

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: 4545

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: 906

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: 2691

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: 6231

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: 89
Views: 9154

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: 9502

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: 11603

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: 1176

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: 279

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: 443

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: 6083

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: 462

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: 15035

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: 13826

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: 1901

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: 2510

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: 12057

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: 3119

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: 9924

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: 6140

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: 26
Views: 1901

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: 1332

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: 9924

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: 5558

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...
by Hug401k
Wed Apr 24, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4404

Re: Wifi extenders vs Mesh network

Mesh definitely. I tried extenders, repeaters etc and I could not get a signal throughout the house. Google mesh solved the issue.
by Hug401k
Wed Apr 24, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

Thank you all. Looks like your opinions are as split as mine. :happy I have a few weeks to decide but I appreciate your perspectives. You validated that some of my concerns are valid concerns (age of kids and the troubles they face at this age, length of time, status of company) and others validated...
by Hug401k
Mon Apr 22, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 34801

Re: How did you feel about your 2018 tax returns?

Mofritty wrote:
Mon Apr 22, 2019 1:40 pm
$10,000 cap on property tax deduction + a local increase in property taxes = double whammy for us
Same here.
by Hug401k
Fri Apr 19, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

24 miles ain't nothing, I had to travel 55 miles 1 way for a 13 dollars an hour job. I quit that job shortly after as it's incredibly repetitive and took a toll on me yet I was alright with the commute. I start driving at 3 pm and get there at 1600. Start driving back at 0030 and arrive home at 013...
by Hug401k
Fri Apr 19, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

I think 30 minutes is sort of ok. Have you ask why your job performance was OK for years when you worked at home versus requiring it be done in office now? So tell them to assign you to closer office (3 miles). Or is this a riff in disguise? Is there enough work? Company reorg? Oh it's most definit...
by Hug401k
Fri Apr 19, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

It's not the distance as much as the time. 24 miles in some places is 24 minutes or less. From what I remember of Boston traffic, it would be a lot more. I refused jobs that required additional commute without additional pay. From my perspective that 24 miles is really 48 miles round trip x your ho...
by Hug401k
Fri Apr 19, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

duplicate
by Hug401k
Fri Apr 19, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

It's not the distance as much as the time. 24 miles in some places is 24 minutes or less. From what I remember of Boston traffic, it would be a lot more. I refused jobs that required additional commute without additional pay. From my perspective that 24 miles is really 48 miles round trip x your ho...
by Hug401k
Fri Apr 19, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

Re: How far would you commute?

simplesimon wrote:
Fri Apr 19, 2019 3:23 pm
Is the company in Boston? Would you be able to commute with your husband on the days he goes in?

My commute downtown is ~60 minutes door-to-door.
My office would be in another metro town, so no public transportation or shared commute.
by Hug401k
Fri Apr 19, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5558

How far would you commute?

For the past 5 years I've worked for a megacorp from home. I accepted this role because it offered work from home option. Over 2000 people use this option. The company has now announced that they are removing the Work from Home option and everyone must commute to an office (which will likely be an o...
by Hug401k
Wed Apr 10, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2333

Re: Replacing Main car to get better safety features

I think that Volvo is probably worth the same amount as a new timing belt. Does it have safety basics like airbags? Maybe replace that, and you drive the older Subaru? The back up cameras are really nice to have when the neck doesn't turn like it used to. You should be good for cars for another 10 y...
by Hug401k
Tue Apr 09, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3813

Re: Is a work-at-home job have the same expectations as the office job?

The only job I've seen in an office that is structured to a precise 30 minute lunch and 15 minute breaks were roles that had to be available to the public and are volume based like call center phone reps and reception desks. That being said, when you start working at the same time your co-worker get...
by Hug401k
Tue Apr 09, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21245

Re: Wife hates new job...wants to quit after 1 day

Any chance she was hired to take over the team she's on or replace her manager as new blood, but the layoff timing didn't work out quite right?
by Hug401k
Fri Apr 05, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 3119

Re: Anxiety about car/house purchase

You probably have angst about it because you don't care about cars. Spending 30k on something you don't care that much about can cause some anxiety. I feel the same way. I tend to view cars as most view boats..a big hole you throw money in that have zero value at the end of the day. I"m guessing if ...
by Hug401k
Thu Apr 04, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Having a Baby - Stay Home Cost analysis
Replies: 33
Views: 2549

Re: Help! Having a Baby - Stay Home Cost analysis

There seems to be some reading comprehension issues on this board. :shock: To respond to this question:" We really are just trying to analyze this from a purely mathematical perspective to make sure we can use that as one of the many factors that will help us make our decision". or "Is there anythin...
by Hug401k
Fri Mar 29, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7752

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Yes. Taxes went up. We increased our withholding mid 2018 but we still owe. Also if you are MFJ and make between $400k-$416k, your tax bracket went UP 28% to 32%. (we were not that high, but its worth noting)
by Hug401k
Mon Mar 25, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2413

Re: Inheritance of Trad IRA

I inherited half of my mothers IRA. It was $23k but still worth rolling over IMHO. I've invested it in a low cost index fund and it's now worth more. It was pretty simple to rollover and I did not have to pay taxes on it. I have it at Fidelity, they had specific reps who specialized in beneficiary e...
by Hug401k
Fri Mar 22, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to increase house size with a growing family?
Replies: 43
Views: 2880

Re: When to increase house size with a growing family?

I'm also on team new house. I had 2 kids in 1400 square feet, with a 700 sf first floor. Is it bigger than most Manhattan apartments? Sure. Is it nicer and bigger than what many have? Yup. Did I have claustrophobia when my kids started running in the house in mid February bouncing off the walls when...
by Hug401k
Mon Mar 18, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 44
Views: 6234

Re: Preparing for a lay off - what steps to take now

Hi Brewman, I'm wondering how things all worked out for you? In a case of irony, I received almost the exact same message as you to the day but one year later. My job is relocating and I have the option of a long commute or a package effective September 3. I came here to read my own advice with a c...
by Hug401k
Sun Mar 17, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 44
Views: 6234

Re: Preparing for a lay off - what steps to take now

I apologize if this has been covered before but I spent a while using the search function without much luck A group of us have been notified that our jobs will be eliminated later this year (Q3) and we are all receiving some severance that will carry most of through to at least Q1 of next year depe...
by Hug401k
Tue Mar 12, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8188

Re: Airline travel and economy: pay $$ to pick seats

I am amazed by the total lack of empathy in some comments. 600-800 is still a lot of money for most people and this is on top of the air fares which are not cheap at all. People seem to suggest that the poster is some how cheap or irresponsible because he is trying to save 600-800 USD while flying ...
by Hug401k
Sun Mar 10, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Would you consider me Financially Independent?
Replies: 33
Views: 4127

Re: Would you consider me Financially Independent?

I think your PS is the answer. Or maybe one of you retires to make overall life a bit less stressful? I've got a much less significant inheritance expected from a trust, but I just try not to think about it.
by Hug401k
Sun Mar 10, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Car is likely totaled, not at fault. Negotiate?
Replies: 31
Views: 2096

Re: Car is likely totaled, not at fault. Negotiate?

Yes, do some homework. As other mentioned, document other cars for sale. We had some additional features in our totaled car (all weather mats etc) though our car was flooded. We were able to negotiate up. I think it was about $700 or so.
by Hug401k
Tue Mar 05, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401K loan to help son in college?
Replies: 27
Views: 1474

Re: 401K loan to help son in college?

3. Take out a $20K 401K loan this year for the college costs. A financial adviser friend suggested this option. He argued that you would get no tax hit this year since it is a loan, not a distribution. Payback of the loan starts immediately, monthly payments. When I retire next year, the remaining ...
by Hug401k
Tue Mar 05, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4830

Re: Value of Vacation Experiences with Big Fam & Young Kids

I couldn't tell if both parents work from your post, but when our kids were really little, we did our own 1 week staycation and sent the kids to daycare. Frankly, I was too tired to take kids anywhere and we had no family nearby and we needed alone time. We went into the city, we went to the beach, ...