Search found 612 matches

by Herekittykitty
Sat Jul 13, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 4644

Re: Being given charity that I don't need

What a lovely story all around. Your boyfriend was kind to her. She is being especially kind to you. You are being kind to her.

It can be a kindness to accept the kindness of someone.

This thread made my day.
by Herekittykitty
Fri Jul 12, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Pay student loans via cash-out refinance?
Replies: 41
Views: 1855

Re: Pay student loans via cash-out refinance?

With $12,00 income - $10,000 expenses = $2,000. Does the $10,000 expense figure include all non-discretionary expenses? If so, I don't see a cash flow deficit. I see a cash flow surplus. $1,000 a month of which could go to paying down the student loans to get them paid off even faster than the few y...
by Herekittykitty
Thu Jul 11, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3149

Re: Avoid MD-88s [commercial aircraft]?

.......the policy, later adopted, that there must always be at least two crew members in the cockpit at all times could have prevented the lethal result. PJW Maybe you or someone else can help me with this: I fly occasionally so not much experience. Usually limited to regionals. It makes sense that...
by Herekittykitty
Thu Jul 11, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3149

Re: Avoid MD-88s [commercial aircraft]?

.......the policy, later adopted, that there must always be at least two crew members in the cockpit at all times could have prevented the lethal result. PJW Maybe you or someone else can help me with this: I fly occasionally so not much experience. Usually limited to regionals. It makes sense that...
by Herekittykitty
Sun Jun 30, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house for Mom - Pros, cons, pitfalls?.
Replies: 55
Views: 3505

Re: Buying a house for Mom - Pros, cons, pitfalls?.

I suggest you get a copy of the divorce decree and read and understand it. It will have information that could help you help your mother including understanding what the decree entitled her to and may lead you to track down things, such as whether she did qualify for part of his military pension and...
by Herekittykitty
Sat Jun 29, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house for Mom - Pros, cons, pitfalls?.
Replies: 55
Views: 3505

Re: Buying a house for Mom - Pros, cons, pitfalls?.

Don't forget to see if you can find out if your father's pensions have widow's benefits to which she will be entitled if he predeceases her and which he cannot change.
by Herekittykitty
Sat Jun 29, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house for Mom - Pros, cons, pitfalls?.
Replies: 55
Views: 3505

Re: Buying a house for Mom - Pros, cons, pitfalls?.

It is possible the military and other pension have widow's pension benefits. That would be worth knowing. It would also be worth knowing why she is in debt to the IRS and what her plans are to pay the debt off; if she has no clue how to manage that you could offer to advise her on it. If family memb...
by Herekittykitty
Sat Jun 29, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house for Mom - Pros, cons, pitfalls?.
Replies: 55
Views: 3505

Re: Buying a house for Mom - Pros, cons, pitfalls?.

In addition to the problems for both your MIL and you and your wife already discussed that buying your MIL a house would cause, I don't see any problems it would solve that could not be better solved without buying her a house or buying a house to rent to her. There are government programs including...
by Herekittykitty
Sat Jun 22, 2019 9:32 am
Forum: Personal Investments
Topic: Resident Physician
Replies: 33
Views: 4780

Re: Resident Physician

......Make it a priority to maximize your income (go into private practice), and minimize your debt (attack it like it's a cancer, which it is). A doctor is likely to make a good income whether in private practice or not. Private practice can involve taking on more debt. There is a lot to be said f...
by Herekittykitty
Mon Jun 17, 2019 6:41 pm
Forum: Personal Investments
Topic: Resident Physician
Replies: 33
Views: 4780

Re: Resident Physician

......Make it a priority to maximize your income (go into private practice), and minimize your debt (attack it like it's a cancer, which it is). A doctor is likely to make a good income whether in private practice or not. Private practice can involve taking on more debt. There is a lot to be said f...
by Herekittykitty
Sat Jun 15, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 44173

Re: What lifestyle creep made you happier?

Fly first or business class when available.

It reminds me of how flying was decades ago for everyone.
by Herekittykitty
Sun Jun 09, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Alternative to USPS
Replies: 22
Views: 1782

Re: Alternative to USPS

The same happened to me a few years ago when I mailed a tax return to a California office. I asked the post office, and they said that that office has a high volume of tax returns coming in, and apparently they simply don't acknowledge receipt in a timely manner if ever. Maybe they don't get scanned...
by Herekittykitty
Sun Jun 09, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8247

Re: thinking about un-retiring

so I finished my first engagement, personally, financially and intellectually rewarding. Would love to do it again, not sure when/if I'll find another pt engagement. I will say after 20 hours per week for five weeks, I'm ready for a vacation! It looks like a success. Thanks for the update! :D
by Herekittykitty
Sat Jun 08, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3129

Re: Gift for niece who is graduating as a Physician Assistant.

Stethoscope preference can be personal. I would make sure of what she wants in a stethoscope if you buy her one. Even if you ask her what stethoscope she wants, she might suggest one less expensive than the one she really wants. So be careful about that. It is great that you are giving her The White...
by Herekittykitty
Fri Jun 07, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3129

Re: Gift for niece who is graduating as a Physician Assistant.

The White Coat Investor. If You Can I haven't worn scrubs in a long time, in fact there weren't really nice ones back when I wore scrubs, but I took a look at the Figs site recommended by readers above and it looks really good. You might want to be sure before giving her a gift card to Figs that she...
by Herekittykitty
Wed Jun 05, 2019 5:48 am
Forum: Personal Investments
Topic: TSP vs mutual fund vs ETF
Replies: 11
Views: 909

Re: TSP vs mutual fund vs ETF

FutureEye wrote:
Wed Jun 05, 2019 5:31 am
I am moving all funds out of TSP to convert to Roth over next 7 years.
IIRC if you move all funds out of the TSP so that you have no balance left, you will not get an opportunity to put funds in it again unless you re-enter federal employment with access to the TSP.
by Herekittykitty
Sun Jun 02, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Dual coffee maker suggestion
Replies: 24
Views: 1549

Re: Dual coffee maker suggestion

rasta wrote:
Sun Jun 02, 2019 11:33 am
buy 2 single cup melitta pour over brewing cones.
In two colors, one designated for the husband and one for the wife.

:D
by Herekittykitty
Thu May 30, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14880

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

I've not seen it mentioned, but can your son defer his acceptance for a year? Most schools allow this, and it gives you an extra 12 months to get your finances in order. Your son could also get a McJob and mature a bit in the intervening 12 months, while still knowing he's going to college. What a ...
by Herekittykitty
Wed May 29, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14880

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

Chinchilla Whiplash: First let me compliment you on being open to learning including downright criticism and to giving information you (reasonably) assume could get you clobbered. Good for you. It looks to me from what you are saying that you and your wife value education and put a lot into your res...
by Herekittykitty
Mon May 27, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10463

Re: House not selling

…...I live in a small town and this is a fairly expensive house for the area and sq foot ( 2700)……. That could be part of the issue. A few things to consider: What exactly do you mean by "area?" Town? Subdivision? Neighborhood? Street? Are you saying it is priced higher per square foot than houses ...
by Herekittykitty
Sat May 25, 2019 9:11 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2802

Re: MEMORIAL DAY

Thank you, Taylor. For your service and for the video.
by Herekittykitty
Sun May 19, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2958

Re: Crazy to Sell a Newer Car for an Older Car?

Herekittykitty wrote:
Sun May 19, 2019 8:48 pm
Thanks for the update. Great decision to keep the car. Congratulations on the raise and for having a plan for it.
by Herekittykitty
Sun May 19, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2958

Re: Crazy to Sell a Newer Car for an Older Car?

Thanks for the update. Great decision to keep the car. Congratulations on the bonus and for having a plan for it.
by Herekittykitty
Sun May 19, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14575

Re: FIRE - What am I missing in the News Stories

......When did taking a job bagging groceries become a thing to aspire too? Many say they have retired from their software engineering position and now make coffee at Starbucks. That's not retired. That's just living on nothing. There are tons of people that do that....... ......What am I missing?....
by Herekittykitty
Sun May 19, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 2850

Re: Debt: Student loan or cabin

Living on his income and using hers to pay the debt down seems like a good idea. On the other hand, why limit debt payment to her income. Send all her income to debt, and part of his income, budget well, live frugally, and get the debt gone. They need to budget well anyway, not just to get the debt ...
by Herekittykitty
Sat May 18, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8247

Re: thinking about un-retiring

An opportunity to learn a new area of technology (cloud computing) and put the skills into practice, a few days a week, and getting paid? As an entrepreneurial type you could well champ at the bit working for someone else helping them expand their business. But: in return you get to get experience i...
by Herekittykitty
Sat May 18, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2958

Re: Crazy to Sell a Newer Car for an Older Car?

I have a 2018 Toyota Camry that I owe about $3k on. The car can be sold for about $23k. I am considering selling it and using the 20k left to purchase a much cheaper car, and use the difference to invest in a taxable account. I’m thinking used vehicle around 10k, so about 10k to the taxable. Am I c...
by Herekittykitty
Sat May 18, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 2850

Re: Debt: Student loan or cabin

Do your brother and his wife welcome your input? If not, stop here. If so: $200,000 annual income (if not in a HCOL area) if budgeted well should offer significant discretionary income that could go toward debt. Here's a few things to consider. Is the $60,000 to debt a one time payment coming out of...
by Herekittykitty
Wed May 15, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: Invest or Payoff Home
Replies: 38
Views: 2905

Re: Invest or Payoff Home

Here is my current situation and I'm not sure where to put my 244K cash. Payoff the mortgage or invest or keep some cash for a pullback and other opportunities or pay down the mortgage? Currently, I have 245K in an online bank earning 2.20%. I keep it here to get a decent return until I decide how ...
by Herekittykitty
Sat Apr 27, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3722

Re: Daughter's First Job

Is she confident of finding satisfactory employment either at the same place or elsewhere once the contract period ends? Good arguments can be made in favor of staying in the nest a while and saving money and good arguments can be made in favor of flying the coop immediately. I wouldn't stay in the ...
by Herekittykitty
Sun Apr 21, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3706

Re: update 70s kitchen or nah?

Looking at this in a different way: You are 70. He is 80. You are thinking you should probably sell 5-10 years hence due to stairs and maintenance hassles. How about selling now and buying a nice one story house with a flat sidewalk without steps up and down going to the door, a flat yard, wide enou...
by Herekittykitty
Thu Mar 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring- pension is 2x annual expense. Roth conversions/ss advice.
Replies: 39
Views: 4389

Re: Retiring- pension is 2x annual expense. Roth conversions/ss advice.

Why a survivor benefit on his pension only and not one on hers? There will only be one social security income once one spouse departs, and the drop in income should he be the survivor will be $60,000 in addition should her pension have no survivor benefit. Sure, females are statistically likely to l...
by Herekittykitty
Sun Mar 10, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2544

Re: Medical and Living in Germany

So if you are offered an opportunity to work in Germany, take the offer. Stay there for 4 years. Retire in Scottsdale, AZ.

:D
by Herekittykitty
Sat Mar 09, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2544

Re: Medical and Living in Germany

I lived in Germany with my husband (military) in the 1970's so this isn't up to date, but wanted to say we loved it. My husband broke his foot and the Army doctor cleared him to run without X-raying or even examining the foot that well. He then went to a German doctor who actually X-rayed it and gav...
by Herekittykitty
Sun Jan 27, 2019 2:53 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3918

Re: Happy Birthday, Taylor!

Happy birthday to you!!!! And many blessings to you.
by Herekittykitty
Sun Jan 27, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy For Student Loans
Replies: 48
Views: 3219

Re: Strategy For Student Loans

Congratulations on your accomplishments. Just a few comments: When paying off your loans, pay minimums on all of them with all available money after that going toward one of the loans at a time - pick which it will be and focus on it until it is gone. That will focus your effort, and will reduce you...
by Herekittykitty
Sun Jan 06, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23817

Re: $40,000 in debt, bankruptcy seems to be the best option right now

(seriously, live like a broke college student and do rice, beans, ramen) Okay, I'm posting too much in this thread so I'll stop after this, but it always bugs when when adopting poor nutrition habits is recommended as a solution to financial problems. There are lot of cars and houses out there; you...
by Herekittykitty
Thu Oct 04, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4264

Re: Black suit with dark brown shoes?

Some people will be put off by someone wearing that combination. Some people won't. More will be put off than won't. Few if any will look at it as an appropriate fashion statement. Some will think the person wearing that combination doesn't respect or care about the context/event/people putting on t...
by Herekittykitty
Wed Oct 03, 2018 6:11 am
Forum: Personal Investments
Topic: 49 at a crossroads and seeking investment advice
Replies: 31
Views: 5413

Re: 49 at a crossroads and seeking investment advice

Educate yourself on SSDI for your wife. The first place to start is the Social Security website itself: https://www.ssa.gov/disability/ You are saying that it looks like your wife is permanently disabled as far as ability to work goes. If it is possible that is the case, then I would apply for SSDI....
by Herekittykitty
Mon Oct 01, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2626

Re: What should you do if you have to use Facebook?

RickBoglehead wrote:
Sun Sep 30, 2018 9:51 am
...... and when someone identifies me in a picture I remove the identification.
How do you do that? Especially once someone has posted a photo of you into a post of theirs? Can you get it out and can you keep that from happening again with that person?
by Herekittykitty
Mon Oct 01, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16004

Re: Sears, a 125 year old company is now a penny stock.

..... To some extent I think Sears and other companies like it started to treat the value proposition to their customers as an adjunct to finance or marketing decisions...... Makes sense to me. I'm wondering too if the employee experience is also an adjunct and if so, if that itself impacts the cus...
by Herekittykitty
Sat Sep 29, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16004

Re: Sears, a 125 year old company is now a penny stock.

Alas. I miss the retailers such as Sears and Montgomery Ward, and when others go I will miss them too. Well, I miss what they were in their heyday. I don't miss what they have been for the past couple of decades.

It does indeed argue against stock picking.
by Herekittykitty
Thu Jul 12, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21287

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Podcast
by Herekittykitty
Sun Jul 08, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 45
Views: 3135

Re: 401k loan to pay off debt?

So the total interest paid in the scenario is about $50 + $50 + $250 $ 1,500 = $1,850. Big woop-de-do. Some may not care about $1850. I usually do, especially if it's pretty easy. (Did not verify the arithmetic) Good point - and certainly there will be smart who agree with you. Yet I stick to my gu...
by Herekittykitty
Sun Jul 08, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 45
Views: 3135

Re: 401k loan to pay off debt?

2,000 CC @ 11% (quick and easy win, high interest loan) 3,000 car @ 7% (quick and easy win, next highest interest loan) 5,000 car @ 2% (fairly quick win) 7,000 CC @ 0% but jumping to 14% next year (at 0% for at least 6 months, and will just be at 14% for just a few months because you will be paying ...
by Herekittykitty
Sat Jul 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 45
Views: 3135

Re: 401k loan to pay off debt?

I currently have the following debt (33k): 2k at 11% (cc) 3k at 7% (auto) 16k at 6.5% (student loan) 5k at 2% (auto) 7k at 0%, goes to 14% next year. (CC balance transfer) Realistically I can pay off all debt in 2 years if I really try, or 3 years without making sacrifices. Would it be worth taking...
by Herekittykitty
Wed Jul 04, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 29
Views: 4466

Re: Relocating to Berlin upon retiring. Please critique my plan.

-How does one meet people in Berlin? Attend church, join service clubs, take classes, etc. ......You can also meet Germans by joining Mensa. The German Mensa chapter is the largest and most active in Europe...... Victoria Join Mensa? Quite a presumption,no? Joining Mensa is a good option for meetin...
by Herekittykitty
Sat Jun 30, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11413

Re: Lost out on promotion

I probably lost some points as I had recently complained about a junior engineer. He was and continues to steal time from the company. I was hoping to score points by being observant and worried about project. Nothing I said was inaccurate or disrespectful, but probably worked against me. My boss r...
by Herekittykitty
Tue Jun 26, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1714

Re: San Antonio and Austin trip

San Antonio Zoo. Train ride through Breckenridge Park. Witte Museum. Japanese Sunken Gardens. All close together and can be done in a day, or pick one or two (especially the zoo) and do that.