Search found 388 matches

by bluejello
Fri Aug 18, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12883

Re: Is it worth it? [demanding jobs vs time with family]

OP, I'm in a similar position as you. One year old baby (hope to have more in the future) and both my husband and I have demanding jobs. Here's what makes it work for us: Flexible, staggered hours : My husband spends time with our baby from 6am to 9am, then goes to work late and works until basicall...
by bluejello
Mon May 22, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4914

Re: Mexican Pacific Beaches

Todos Santos,North of Cabo. V nice vibe,miles of beach . Todos Santos, Pueblo Magico! Love love LOVE this place. Surfing lessons and a good beach for beginner surfers. Baby turtle hatchery where you can help release baby turtles to the ocean and support conservation efforts. Fresh fish tacos. Local...
by bluejello
Sat May 13, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating job responsibilities
Replies: 15
Views: 1466

Re: Negotiating job responsibilities

Frankly, I'm not sure how much good negotiating this now will do you. Of course you should have frank discussions about what the role and responsibilities are, and where your interests lie. But I'm sure you also know that in any Silicon Valley company things change FAST. What the company needs today...
by bluejello
Fri Apr 28, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: "I don't want to wait till I'm 59.5
Replies: 28
Views: 4793

Re: "I don't want to wait till I'm 59.5

The best way to think about this is to work backwards. Let's say you expect to live to the ripe old age of 90. From age 25 to 59.5, you put $5500 each year into a Roth IRA and it grows at real (after inflation) rate of 3%. At age 59.5, you'd have about $340k in today's dollars. That's probably not e...
by bluejello
Wed Apr 26, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4399

Re: Los Angeles house buying

I don't know LA but I've grown up and lived in HCOL cities my entire life (longest stretch in NYC), and have bought and sold several homes. A few thoughts: Even during the downturns of 2002 and 2009, prices in HCOL areas don't drop that much. There's an interesting economics paper called "Superstar ...
by bluejello
Sat Apr 22, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4269

Re: Best vacuum cleaner for pet hair?

The easiest way to remove cat hair is at the source! Do you brush your cats daily? Ever since I started doing this the amount of cat hair floating around our house drastically decreased.
by bluejello
Thu Apr 20, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to purchase this new house?
Replies: 13
Views: 1615

Re: Can we afford to purchase this new house?

Why do you want to buy a house, especially a big house? If because you plan to have kids I would wait a few years after having the first kid and then find a house. Plans change. +1 When you have kids, your housing needs change a lot during the first few years. When you have babies, you really want ...
by bluejello
Wed Apr 19, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14697

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

There's a right way and a wrong way to do this. Right way: in a one-on-one meeting, suggest to your boss that if she did X differently, it would be more productive for the team. Be specific and constructive. For example, someone on my team recently suggested that we make certain changes to our recru...
by bluejello
Tue Apr 18, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 5155

Re: Is spending 15K to furnish home too much?

I did this fairly recently - we made an international move, so we did have to furnish almost everything from scratch. Total cost was around $18k for a 3 bedroom, 1300 sqft with a mix of nice stuff for the big pieces and Ikea for the small stuff. Here's a rough breakdown: $5k for two king size beds, ...
by bluejello
Tue Apr 18, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 6106

Re: Can I afford private school for my kids?

Grossing $140k with $5k monthly expenses? Of course you can afford it. Question is, is this the best way to spend your money to get your kids the education you want? For example, instead of spending $22k per year on private school you could: Hire private tutors to teach them the classics (student-to...
by bluejello
Tue Apr 18, 2017 2:17 am
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 3024

Re: Those that hold international equities at market-cap weight: what is your method?

My portfolio is 1/3 US stock (VTSAX), 1/3 international stock (VTIAX), and 1/3 bonds (VWIUX). Close enough to market weight for me and very simple to manage. I don't worry about the allocation being exactly at global market cap.
by bluejello
Wed Apr 12, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 8240

Re: leaving early from work

Really depends on your company and boss. I'll share one tactic that both my husband and I used. When I joined my company 3.5 years ago, I knew I wanted to start a family soon so until I got pregnant I worked my butt off. Nights, weekends, going way above and beyond, blowing my targets out of the wat...
by bluejello
Mon Apr 10, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 10
Views: 1478

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

For your mom, I'd recommend to just pay the utilities / taxes / phone etc. bills and not get reimbursement. Depending on how far $1k goes in her area, you may also consider paying for her to get some groceries delivered or something like that. HOWEVER, I'd also make it clear to her that this is the ...
by bluejello
Mon Apr 10, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2820

Re: Advice for my divorced mother (not sure to sell/not sell house)

Also, all the costs you listed above are related to the house. What are her expenses for food, transport, clothing, phone, etc.? In other words what will her expenses be after selling the house?
by bluejello
Mon Apr 10, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2820

Re: Advice for my divorced mother (not sure to sell/not sell house)

Agree with recommendation to sell the house, buy an affordable, smaller home or condo with no mortgage (perhaps in a new neighborhood closer to her grown kids or to other family members) and then to do childcare for supplemental income. Having purpose in life and community is going to be extremely i...
by bluejello
Fri Apr 07, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 7106

Re: Help on how to spend more on myself (First World Whine)

Upgraded desktop computer, quality 4K monitor, new TV, photo/negative scanner and probably half a dozen smaller items. Basically things that replace things I already have and still work. Sell the old version you already have on Craigslist. Our donate it to charity. Boom, now you don't have a comput...
by bluejello
Wed Apr 05, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4153

Re: How best to handle disrespectful employee?

Is it really a plus that he blows away his sales targets if he does it by over-promising and over-selling? Does your boss only care about the sales, while ignoring the collateral fallout from his other problems? Management is very aware of needing to balance short-term new sales with sustainable pr...
by bluejello
Wed Apr 05, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4153

Re: How best to handle disrespectful employee?

The qualifying and on-boarding processes are part of companies policies and procedures, that all employees are required to adhere to. That's what they sign off on on the first day - as condition of employment. By over-selling, he is obviously able to exceed his targets, at the expense of the compan...
by bluejello
Wed Apr 05, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4153

Re: How best to handle disrespectful employee?

My boss is very supportive of me in however I want to handle this guy. However, at this point neither of us want to fire him. I'd much rather find a way to improve his performance and keep him.
by bluejello
Wed Apr 05, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4153

How best to handle disrespectful employee?

Situation: I hired a guy for my team last year who has been spectacular in some ways but also very problematic in other ways. Pros: has been blowing his sales targets out of the water Cons: does a poor job qualifying and onboarding his new clients. The client managers who have to handle the new clie...
by bluejello
Tue Apr 04, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Home renovation advice - General and Atlanta specific
Replies: 18
Views: 1373

Re: Home renovation advice - General and Atlanta specific

Not clear who would pay for the renovations, you or your parents? If you, then I don't see any reason why they might object to you improving their property. Some very general advice on home renovations (I've done two): Research materials on your own first. There are tons of different options for cou...
by bluejello
Mon Apr 03, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: OK to Buy New House?
Replies: 9
Views: 1137

Re: OK to Buy New House?

I don't disagree with the other posters who say you can afford it. Yes, you absolutely can. But just because you can afford something doesn't mean it's the best choice. You're talking about paying $220k more for a new house and shackling yourself to 15 more years of mortgage payments. Yes, you can a...
by bluejello
Mon Apr 03, 2017 2:52 am
Forum: Personal Finance (Not Investing)
Topic: OK to Buy New House?
Replies: 9
Views: 1137

Re: OK to Buy New House?

How much better are the schools? If you stay put, by the time your kids enter high school you will already have a paid off house. This would give you a LOT of flexibility to: pay for college send them to private high school if you so choose get private tutors go on some really fantastic family vacat...
by bluejello
Sat Apr 01, 2017 3:19 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1683

Re: At what age were your kids potty trained?

As with "sleeping through the night", there's a wide range of answers and definitions. Usually the people who say their kid slept through the night at 3 months mean merely that they slept an uninterrupted 6-hr block on most nights, while the people who say their kids took until 1 year or m...
by bluejello
Fri Mar 31, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3904

Re: Divorcing and handling shared and split assets after divorce

You ARE setting up two homes - but both of you are sharing them. What expenses do you think you are going to save by this arrangement? Totally agree. With my suggestion above (wife gets paid off condo and cash, you get house but assume all mortgages, each person keeps their own 401k) I'd add that i...
by bluejello
Fri Mar 31, 2017 4:27 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7825

Re: How did graduating out of daycare impact your finances?

Echoing stoptothink's thoughts, we do not plan on enrolling our children in hundreds of activities or camps as they grow older, which seems to be the trend these days. We believe that the marketing of such activities is very similar to television marketing, and is made to make the parents feel they...
by bluejello
Fri Mar 31, 2017 4:25 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7825

Re: How did graduating out of daycare impact your finances?

We have 3 now. Will probably have 4 someday. Always had plans to have both my wife and I working. After considering costs of daycare we opted for my wife to be a SAHM. Haven't looked back. Not to question your decision for your wife to be SAHM (which I'm sure is not just financial), but with 3-4 ki...
by bluejello
Fri Mar 31, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3904

Re: Divorcing and handling shared and split assets after divorce

Here's a suggestion: 1. Take out a home equity line on the primary residence to pay off the mortgage on the condo in the husband's name only. 2. Remove wife's name from the house mortgage as well as the deed to the house. Remove husband's name from deed to condo. 3. Assign a car to each person inste...
by bluejello
Mon Mar 27, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 3800

Re: Child Planning Checklist

On baby gear: you REALLY don't need that much. We never got a swing / rocker / bouncer and never felt the need for one. Our baby napped in his crib, in the middle of our bed (before he could move), or on a blanket on top of the living room rug. We also never got a baby monitor, as our home is small ...
by bluejello
Mon Mar 20, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6980

Re: Anyone taken a mid-career sabbatical?

It may vary by field but I would be extremely cautious about taking a year off and expecting to restart your career where you left off. It is mostly women who take time off to be a stay at home parent but they often have a hard time getting their career back to where it would have been without bein...
by bluejello
Mon Mar 20, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6980

Re: Anyone taken a mid-career sabbatical?

In my field (tech) it's extremely common. I personally know 11 different people who have quit their jobs in their 30's and 40's, taken 6 months to 2 years off to travel, and then come back to find new jobs with no problems whatsoever. Needless to say these people are all relatively high performers a...
by bluejello
Mon Mar 20, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 7203

Re: Best way to expand my vocabulary?

Years ago, I achieved a perfect score on both the verbal SATs and GREs using this technique: Each time you come across a word you don't know — whether in reading or in conversation — look it up and write it down along with its definition. Then make it a point to use that word as much as possible (ev...
by bluejello
Thu Mar 16, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2030

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Since 2013 I have not kept physical copies of anything. I either download PDFs and save them to Dropbox, or in the rare instance I get a physical document I scan it and save it to Dropbox, and then throw away the original. I've been intending to do this, but it's a huge volume to deal with. I'd est...
by bluejello
Thu Mar 16, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How should I divide my finances and any suggestions?
Replies: 31
Views: 2513

Re: How should I divide my finances and any suggestions?

Thank you and I have a question regarding the house purchase. The reasons I came up with 650K in cash is that we really don't want to have a mortgage and we figure we can save on the interest to help fund our retirement. I don't know if you are familiar with Seattle area but we are looking for a ho...
by bluejello
Thu Mar 16, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How should I divide my finances and any suggestions?
Replies: 31
Views: 2513

Re: How should I divide my finances and any suggestions?

Ok, with the new information I'd recommend: 1. Get a new job 2. Move back to Seattle into a rental for one year, buy affordable cars, get settled in. After living abroad for ten years there will probably be some reentry culture shock, and the Seattle you come home to may be quite different from the ...
by bluejello
Thu Mar 16, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2030

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Since 2013 I have not kept physical copies of anything. I either download PDFs and save them to Dropbox, or in the rare instance I get a physical document I scan it and save it to Dropbox, and then throw away the original.
by bluejello
Thu Mar 16, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: How should I divide my finances and any suggestions?
Replies: 31
Views: 2513

Re: How should I divide my finances and any suggestions?

Are you familiar with the Seattle area already? Do you plan to stay there long-term (at least 7-10 years) or are you just moving there for the job, and you may or may not stay there long-term? Generally if you are moving to a new area for a new job, I think it's best to rent for at least one year to...
by bluejello
Wed Mar 15, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or rent?
Replies: 25
Views: 2822

Re: To buy or rent?

Good point! In a way I'm market timing the real estate market, to get ahead before the need actually comes up (family, kids, etc). I was hoping low oil prices would bring the price of properties down but it looked like it didn't. Homes are still selling like it's 2006. Even if it makes sense from t...
by bluejello
Wed Mar 15, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 28336

Re: Early Retirement - what to do about healthcare?

Has anyone run the numbers on buying a full-fledged healthcare plan ($12k - $18k a year or even more) vs. only buying catastrophic health insurance and paying for regular checkups and other routine healthcare costs out of pocket? Obviously this will differ a huge amount by person depending on whethe...
by bluejello
Wed Mar 15, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 3458

Re: How do Bogleheads handle allowance?

I don't recall what we did when the kids were very young, but we started a stipend program similar to J295's about the time they were in middle school. We determined an annual budget for clothes, routine entertainment, incidentals, perhaps a cushion for savings toward special purchases - maybe anot...
by bluejello
Wed Mar 15, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 3458

Re: How do Bogleheads handle allowance?

Seems to be pretty evenly split between "payment for chores and good behavior" vs. "chores and good behavior are expected, allowance is separate". Mine is still a baby, but I grew up in a family that followed the latter philosophy. I was told that everyone pitches in because you ...
by bluejello
Mon Mar 13, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: To buy or rent?
Replies: 25
Views: 2822

Re: To buy or rent?

My question is - why should I even consider buying a home if I could continue to rent for 700~800 a month and save over $2K? I'm perplexed as to why people are still snapping up these homes over $500K like it's a hot deal. The main reason that people go from renting a room to buying a house is that...
by bluejello
Wed Mar 08, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 4917

Re: Are we ready to buy a house? What should our price range be?

I love my wife and she is very smart when it comes to her work but I just don't feel like she has a handle on what things cost or how we are going to pay for them. For example she started telling me a few weeks ago she thought she wanted to be a SAHM. I told her that isn't what we agreed upon befor...
by bluejello
Wed Mar 08, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 4917

Re: Are we ready to buy a house? What should our price range be?

Not obvious from your posts so far which way to go. Here are some other questions / things for you to think about: 1) What is the price to rent ratio like in your area? In some places it's obviously better to buy and in other places it's obviously better to rent. Is your wife's desire to own your ow...
by bluejello
Mon Mar 06, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 5033

Re: Wedding cash gift

We had a destination wedding and LOVED it. For $25k - $30k, you could book up a small resort in the Caribbean or Mexico and treat your immediate family and friends to a wonderful long weekend holiday. Or maybe book a few rental homes at a beach / lake / vineyard / national park in your area? Rather ...
by bluejello
Mon Mar 06, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 4638

Re: How much do you spend on "stuff" for kids?

But I really wanted to reply to this post. Our children do not get any gifts on their birthdays, not from us nor anyone else. (And we don't do christmas or other holidays like that.) There is simply no need for any gift giving/receiving for any occasion ever. The whole gift culture is a net negativ...
by bluejello
Sun Mar 05, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 6155

Re: Windfall: should we pay cash for ~$1.3M home?

Our gross income is currently around $130k, with solid but not exceptional prospects for growth. Annual spending is $65k. Tax and maxing out our Roth IRAs and 401ks takes care of the rest fairly cleanly. So any monthly mortgage payment would have to reduce our savings rate. If this is the case, how...
by bluejello
Sun Mar 05, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 6155

Re: Windfall: should we pay cash for ~$1.3M home?

I suggest you delay the purchase as long as you can. You don't have a family yet so your rent-controlled apartment is still fine. Even after first baby, 1-bedroom apartment may be fine for another six months a year.. these days many babies are co-sleeping in the master bedroom even in a 4BR house. ...
by bluejello
Fri Mar 03, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: US expats abroad: should I buy health insurance even though I'm covered by employer?
Replies: 24
Views: 1708

Re: US expats abroad: should I buy health insurance even though I'm covered by employer?

Thanks @AlohaJoe. Just to be clear, my question is not about coverage for pre-existing conditions now as I don't have any. My question is also not about Singapore specifically, as I don't know if I will still live here in the medium-term or long-term future. Maybe my question can be best summed up l...
by bluejello
Thu Mar 02, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: US expats abroad: should I buy health insurance even though I'm covered by employer?
Replies: 24
Views: 1708

Re: Should I buy health insurance even though I'm covered by employer?

Could you edit the Subject Header to include something like "[in Singapore]" so that everyone knows that from the start? Otherwise, there is a lot of wasted time thinking about how to help you, regardless of whether it then gets posted or not. Thank you. RM Ok, I edited the subject to spe...