Search found 150 matches

by kithwang
Wed Apr 18, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Open Office Calc problem
Replies: 17
Views: 2233

Re: Open Office Calc problem

Uninstall and reinstall or go to another computer. I don't have that problem. You may have changed permissions somewhere.
by kithwang
Wed Dec 20, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Art class/retreat
Replies: 10
Views: 861

Re: Art class/retreat

There's one in SF Urban Sketchers http://www.urbansketchers.org/
http://urbansketchers-bayarea.blogspot.com/

Next symposium is at Porto, Portugal in the summer but there's smaller workshops
by kithwang
Thu Aug 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 23767

Re: Life at crossroads. What would you do ?

Let's turn this around. Your kids at the age of 40 told you this happened to them. What is your advice?
-Take the 3 hour commute job
-Move out of state
-Explore new tech with 1/2 pay and spend more time at work
-Start your own company

You have a family. What do you want for them?
by kithwang
Thu Aug 03, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 4920

Re: MIL wants to move in with us

If your wife is willing to care for MIL, your kids, and all the pets, not to mention feed you, I don't see how you can say no without being selfish. Change "wife" to "husband" and "care" to "provide" and see how that reads for ya! :oops: :oops: :oops: There's...
by kithwang
Thu Aug 03, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 4920

Re: MIL wants to move in with us

My grandmother moved in with my family when I was 10-16. It didn't work out and she was in good health. There was a lot of arguments. I would suggest it this way and not stress that you don't want you MIL with you. I would suggest that put MIL in a home because they will have 24/7 care, she will tal...
by kithwang
Wed Jun 28, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

I'd need at least $500mil to retire without health insurance since one serious major treatment can cost over $1mil, and if you're ok with no treatment and die, then you don't need to save any money. Living without health insurance is just stupid. You can only afford to self insure on health insuran...
by kithwang
Wed Jun 28, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 12762

Re: Middle age job blues

I hate to say it but maybe a third of then IT people that I have seen that were laid off were underperformers or had some sort of personality issues and their layoffs were often more of a house cleaning than some sort of strategic company change. I'm sure that they moan and groan about outsourcing ...
by kithwang
Fri May 19, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 86
Views: 8823

Re: Rice Cooker

Definitely worth the price because my old one would burn the rice.

If you like steel cut oatmeal, put a timer for it to be ready in the morning when you wake up.
by kithwang
Thu May 04, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

I'd need at least $500mil to retire without health insurance since one serious major treatment can cost over $1mil, and if you're ok with no treatment and die, then you don't need to save any money. Living without health insurance is just stupid. You can only afford to self insure on health insuran...
by kithwang
Thu May 04, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

When you figure what you need for retirement, do you add in expenses for medical care? Do you add even more money for chronic illnesses and the chance that there is no medicare or you will have to pay more because you have a pre-existing condition? How much more would you save to feel comfortable? ...
by kithwang
Thu May 04, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

My question is if there's no health insurance or no medicare and you live in the US. how much more money would you save? Is it even possible? If we didn't have to pay for medical insurance, we would likely be bankrupt since we would have had to pay for medical expenses out of pocket. I am glad we h...
by kithwang
Thu May 04, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

Insurance is not a guarantee in the US. So how do you protect yourself? The Affordable Care Act guarantees that an individual can get health insurance (and the proposed American Health Care Act of 2017 keeps this), it just might be very expensive. you are right. I will fix my statement. How much mo...
by kithwang
Thu May 04, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

OP, I dont get the question. Is it "How much should you save to feel comfortable if you wont have health ins during your retirement years?" yes or "How much should you save to feel comfortable if you wont have health ins during your retirement years or startup years?" My guess i...
by kithwang
Thu May 04, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

Re: How much would you save if you don't have insurance?

When you figure what you need for retirement, do you add in expenses for medical care? Do you add even more money for chronic illnesses and the chance that there is no medicare or you will have to pay more because you have a pre-existing condition? How much more would you save to feel comfortable? I...
by kithwang
Thu May 04, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 32
Views: 3469

How much would you save if you don't have insurance?

I seen posts of how much money people would save before they are ready to retire. My question is if there's no health insurance or no medicare and you live in the US. how much more money would you save? Is it even possible? <Edit to add> In the late 90s (long before the ACA). I couldn't get insuranc...
by kithwang
Thu Apr 20, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 6937

Re: Calling for all the Moms: career and family.

Working mom. Full-time job. Type A but learning to let things go such as my house can be a mess. I have a good balance right now.

My question to you. Can you go down to 1 part-time job and use your MBA to start your own company?
by kithwang
Sat Apr 15, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 14506

Re: My kids don't care about saving

Do you support them financially in any way? If not, then they are old enough to make their own mistakes.
by kithwang
Fri Jan 27, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 68
Views: 7177

Re: Help, please, on new salary negotiations

Can you ask for equity in addition to money? Doesn't hurt to try.
by kithwang
Wed Jan 18, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 6834

Re: How to improve my income as software lead/manager?

1.Find another job
or
2. Create a value add as a manager. You bring in money or you slash costs.
by kithwang
Fri Jan 06, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need life insurance?
Replies: 18
Views: 2065

Re: Do we need life insurance?

how much is the payout? I'm guessing you cancel today and ask for it next year, it will cost more than 1K a year
by kithwang
Mon Oct 17, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 3201

Re: Chicago recommendations

1. cheapest and fastest if during rush hour is blue line train to downtown 2. do you know the transportation system? Then it is not bad with kids. As long as you don't have a stroller you won't be in people's way. Google map is very good for knowing what bus/L to take. 3. Maggie Daley park in heart ...
by kithwang
Mon Oct 17, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Money lessons for a 3 year old
Replies: 46
Views: 4970

Re: Money lessons for a 3 year old

I have a 4 year old and 7 year old. I give them a quarter a week. I am tired of saying I won't buy that and hearing wining of WHY. Now I say do you have money for that and do you want to buy it.
by kithwang
Wed Oct 12, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 7282

Re: Is this ER bill normal (medical billing)

You can always call the hospital and doctor to see if you will get a discount if paid in full.
by kithwang
Fri Jul 29, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Quit work and become SAHM - advice? regrets?
Replies: 58
Views: 13490

Re: Quit work and become SAHM - advice? regrets?

Take a week off from work and see if you like it. With all due respect, this is not much of a taste of life as a full-time parent. Neither is maternity leave much of a glimpse of reality. I have two kids. 4 and 7. I work full time. I cannot handle a week off at home. I know this of myself. If I can...
by kithwang
Fri Jul 29, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Quit work and become SAHM - advice? regrets?
Replies: 58
Views: 13490

Re: Quit work and become SAHM - advice? regrets?

Take a week off from work and see if you like it.
by kithwang
Wed Jul 20, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 9687

Re: Adopt my Girlfriend???

That's what gay people had to do before they were allowed to marry
http://abcnews.go.com/Health/gay-man-ad ... d=19512067
by kithwang
Fri Jul 15, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 4424

Re: Avoiding Inheriting Parents' Financial Mess / Debts

Ask your friend to pull a credit report to see if his parents signed him up for anything. Other than that, no he is not responsible for his parent's debt.
by kithwang
Fri Jul 01, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Bereavement flight discounts
Replies: 8
Views: 1869

Re: Bereavement flight discounts

southwest has been the best one.
Sorry for your loss.
by kithwang
Fri Jun 24, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 7697

Re: Dog attacked by another dog

That happened to my friend and her dog had knee surgery. She decided to do nothing because she is not confrontational. I told her I would help her but she wanted me to back off. Call the police and file a police report asap
by kithwang
Thu Jun 09, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: England Trip
Replies: 12
Views: 2066

Re: England Trip

You take your debit card and take money out at the ATM machine. Have more than one in case you lose one. Some places only take AMEX credit card and some do not. You will be fine.
by kithwang
Wed May 25, 2016 2:30 pm
Forum: Personal Investments
Topic: Advice for my daughter
Replies: 39
Views: 3605

Re: Advice for my daughter

Ask her to put 6 months of the cash into an emergency fund that they won't touch. Other than that, let her do what she wants. I don't think it is your say unless you are giving her the money.
by kithwang
Mon May 23, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: A toughie... Trust and Will but no one to ask... what to do?
Replies: 12
Views: 1718

Re: A toughie... Trust and Will but no one to ask... what to do?

I'm the executor for a friend. She thought I have the most financial knowledge. You can update it later if your friends died.
by kithwang
Mon May 23, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: starting a very small business - extension of a hobby?
Replies: 19
Views: 2072

Re: starting a very small business - extension of a hobby?

I walked away from a buy once because the vendor couldn't tell me how he did the screen print. I don't think it was his art work. Just curious - If you liked the item, why did it matter whose art work it was? I create art as a hobby and like to know the process. I buy art because I know the artist,...
by kithwang
Mon May 23, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: starting a very small business - extension of a hobby?
Replies: 19
Views: 2072

Re: starting a very small business - extension of a hobby?

I walked away from a buy once because the vendor couldn't tell me how he did the screen print. I don't think it was his art work. Just curious - If you liked the item, why did it matter whose art work it was? I create art as a hobby and like to know the process. I buy art because I know the artist,...
by kithwang
Mon May 23, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: starting a very small business - extension of a hobby?
Replies: 19
Views: 2072

Re: starting a very small business - extension of a hobby?

I walked away from a buy once because the vendor couldn't tell me how he did the screen print. I don't think it was his art work.
by kithwang
Fri May 20, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 7893

Re: Work or stay at home mom or change careers

from the commencement speech If I am killing it on a Scandal script for work, I am probably missing bath and story time at home. If I am at home sewing my kids' Halloween costumes, I'm probably blowing off a rewrite I was supposed to turn in. If I am accepting a prestigious award, I am missing my ba...
by kithwang
Fri May 20, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 7893

Re: Work or stay at home mom or change careers

Look for a new job and see what is out there and then decide.
Read Shonda Rhimes' commencement speech http://www.dartmouth.edu/~commence/news ... dress.html

If you compare yourself pre-kids to now, you will always fail. That's not a fair benchmark.
by kithwang
Thu May 12, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Career path and cost of living.
Replies: 63
Views: 10025

Re: Career path and cost of living.

yellowgirl, you may want to stay competitive by finding an internship right now or a track record of contributing to open source technologies. Even if it is only 10 hours a week. May be easier to find a job if you specialize in DBA, syst admin, or big data analysis. Not so much if VB, Excel, HTML5, ...
by kithwang
Mon May 09, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 12246

Re: Buying a house for an adult child (child adult?)

If the goal is to teach your kid to be financial independent when you are gone, bailing him out now is not the answer.
by kithwang
Fri Apr 29, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need anything more than WillMaker?
Replies: 13
Views: 1733

Re: Do I need anything more than WillMaker?

Did it on our own and use LegalZoom. Specified that first goes to spouse. If spouse is not there, then money goes to kids when they turn ages 27,32 and 40.
by kithwang
Tue Apr 26, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 17467

Re: I Hate My Job: Politics at Work (Advice Needed)

If you have nothing you can learn from the senior people, then leave. Senior doesn't mean # of years they have been on the job or how old they are. Senior means knowledge you don't have. If you know how to write a grant and how to architect everything and network. Then it is time to leave. If you ex...
by kithwang
Fri Apr 22, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about buyout of marital home in divorce
Replies: 25
Views: 3899

Re: Questions about buyout of marital home in divorce

Let him buy you out. You may save money by not having to deal with realtor 5% fee. And you will be done and move on with your life.
by kithwang
Thu Apr 14, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 6718

Re: disability insurance: do I really need it?

I looked at this at one time and decided not to because the disability covers
1. If you can't work in the same type of job again.
2. SS will deduct the money you get from the insurance company
3. You see the disability approved doctor.

Has this been other people's experience?
by kithwang
Wed Apr 06, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 5782

Re: Paying for kid's graduate school?

He should apply for a PhD. Then it won't cost anything and they will give him a stipend. The PhD program will have him get the MS on the University dime. I would suggest that he get a job this year. Next year apply for the PhD
by kithwang
Fri Mar 11, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How bad would it have to be before you removed an adult child from any inheritance at all?
Replies: 20
Views: 2902

Re: How bad would it have to be before you removed an adult child from any inheritance at all?

Your child has managed to not do drugs and is supporting himself. You said you abandoned him. That pain and trust doesn't heal itself. You as the parent, keep your door open. If you have money you can give, give. Don't withold it because you want to hurt him after you die. Sounds like there's enough...
by kithwang
Sun Feb 28, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 13084

Re: Quitting college

Nothing is ever guaranteed, with or without a college degree. College degree gives you an option since you don't know what the future holds. Your kids are only kids for so long, but what will you say when they ask why you quit? School was hard or that you wanted to spend more time with them? Former ...
by kithwang
Thu Feb 25, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 13084

Re: Quitting college

Go to school until you can find a job in IT where you are paid a lot more than 45K. Then quit school if you really don't want to finish. I quit MS in CS when I realized I can get a job without a Masters. I don't think I would be able to get a job without a Bachelors. You are good now, but what if yo...
by kithwang
Thu Feb 11, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Time for another job?
Replies: 15
Views: 3107

Re: Time for another job?

I'll make a contrarian argument. Other than the raise, which you've been told isn't happening, what is the point of the review? As someone who's been on both sides of the table, if it were my small company, I wouldn't be having annual reviews at all. For two reasons. 1) Studies show that they are d...