Search found 90 matches

by skp
Mon Mar 08, 2021 9:57 am
Forum: Personal Consumer Issues
Topic: 10 day road trip vacation around Lake Michigan
Replies: 31
Views: 2472

Re: 10 day road trip vacation around Lake Michigan

We did a UP MIchigan vacation last August. We did Mackinac Island, Pictured Rocks, Paradise- the falls and shipwreck museum and Sault St Marie. Everything was interesting. But the highlight for me was Sault St Marie- watching the freighters going through the locks and visiting an actual retired frei...
by skp
Wed Feb 24, 2021 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16761

Re: Private School - financially irresponsible?

I've often thought it might be a good idea to split it. Private for the first 8 years and then public for high school Doesn't NYC have (competitive admission) magnet schools for high school?
by skp
Wed Feb 17, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: Dryer vent cleaning DIY or Professional?
Replies: 45
Views: 4215

Re: Dryer vent cleaning DIY or Professional?

Regarding the heat pump dryer. Our dryer vent systems sound similar. Our laundry room is off the garage and in the middle of the house, It had to make a couple of turns and vented out via the basement. After a couple of years, we had an issue with our dryer which turned out to be clogged vent. The r...
by skp
Wed Jan 20, 2021 4:01 pm
Forum: Personal Consumer Issues
Topic: Replace cheap flooring?
Replies: 30
Views: 1901

Re: Replace cheap flooring?

I would replace the flooring, but probably wait until covid was over and see if I could get better than covid pricing.
by skp
Wed Jan 20, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I paydown 1% interest family loan?
Replies: 39
Views: 2064

Re: Should I paydown 1% interest family loan?

Second the "talk to the family member". I'm not your parent and they might not agree with anyone's advise here. I'll give you mine anyway :). I don't know your parents finances but $300,000 is a big chunk of my net worth. I have it to lend and in the short term it wouldn't be an issue. But...
by skp
Tue Jan 19, 2021 5:24 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39741

Re: What have you baked recently?

Cherry cobbler
by skp
Thu Jan 14, 2021 4:41 pm
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 3433

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

What is the intrinsic value of the vehicles? To me it is a functional object so the two are exactly equal. As such, I would expect slightly less than double the life with a sienna vs a Pacifica so I would expect the Pacifica to cost 50-60% of the sienna new. This is simply based on reliability surv...
by skp
Sat Jan 09, 2021 6:36 pm
Forum: Personal Consumer Issues
Topic: How much to give kid for living expense?
Replies: 129
Views: 5731

Re: How much to give kid for living expense?

i tried to choose reasonable but if I had to choose between being overrindulgent under indulgent, I’d choose overindulgent.
by skp
Sat Jan 09, 2021 9:06 am
Forum: Personal Consumer Issues
Topic: How much to give kid for living expense?
Replies: 129
Views: 5731

Re: How much to give kid for living expense?

When my kids lived off campus, I gave them the equivalant of the university charge for room and board. I figured that should be more than enough. Subtract the already paid rent from that and that's how much I'd give. ETA- I paid them 1/2 each semester. It was up to them to budget it. They knew they ...
by skp
Wed Dec 23, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: toyota sienna 2021 - buying tips
Replies: 35
Views: 2813

Re: toyota sienna 2021 - buying tips

I looked at both the Sienna and the Pacifica when shopping for a van 4 years ago. I really wanted to like the Sienna. The reliability was it's draw. After the test drive, I did like the Sienna. But we chose the Pacifica. The Pacifica is a little smaller van, it rides just as well, maybe better. It ...
by skp
Wed Dec 23, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: toyota sienna 2021 - buying tips
Replies: 35
Views: 2813

Re: toyota sienna 2021 - buying tips

I looked at both the Sienna and the Pacifica when shopping for a van 4 years ago. I really wanted to like the Sienna. The reliability was it's draw. After the test drive, I did like the Sienna. But we chose the Pacifica. The Pacifica is a little smaller van, it rides just as well, maybe better. It h...
by skp
Wed Dec 16, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help me value a house
Replies: 17
Views: 856

Re: Help me value a house

... I know I don't "have" to make things even. I want to. As an aside my son already was given a down payment on his house. Adding, I planned on making it even out of the money I personally inherited. Are you going to make things 'even' with the other son too, or just the one who's compla...
by skp
Wed Dec 16, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help me value a house
Replies: 17
Views: 856

Re: Help me value a house

I'm always looking at houses. I actually find Zillow and Redfin to be pretty accurate. Zillow often predicts lower. The average between the two is pretty good. Of course condition of the property and certain particulars can vary substantially. To figure it out for yourself, go on Redfin and look at...
by skp
Wed Dec 16, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Help me value a house
Replies: 17
Views: 856

Re: Help me value a house

Clarification- My mother, sister and I discussed this prior to her death. We were all in agreement. My sister bought the house from my mother for $1 after going to a lawyer where he made a "care agreement" stating the house was my sisters because of her years of care for my mother. My son ...
by skp
Wed Dec 16, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Help me value a house
Replies: 17
Views: 856

Help me value a house

My mother recently died. My sister and I inherited her house. It needed a lot of work. My sister and I decided to give it to my nephew and have him do all the work clearing it out, and fixing it up. We avoided massive work of selling it. My sister did the majority of the care for my mother, her son ...
by skp
Wed Nov 11, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41841

Re: Items that are worth the money for the quality

DarnTough socks. Guaranteed for life! I will never pay for socks again as long as I live! Love these socks. They are more durable than smartwool in my experience. I love mine too. And agree that they last longer than smartwool. But I just got a hole in one after 3 years use. So I call BS on the lif...
by skp
Wed Nov 11, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Refrigerators
Replies: 37
Views: 3080

Re: Refrigerators

I would keep both refrigerators, even if you don't plug the other one in. At least in this time of covid. A couple months ago we replaced the compressor on our 10 year old refrigerator. It was $800 dollars. It was a tough decision. A new one (that I liked) would have been $1500 and we would have had...
by skp
Tue Nov 03, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA questions
Replies: 6
Views: 857

HSA questions

I am posting this question because I trust this forum more than my HR department. When I went to ask, they googled it just like me. It is annual Health Insurance Enrollment time at my work and I have narrowed down which policy I want. However, I am not sure if I am still eligible for an HSA. My husb...
by skp
Tue Oct 20, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41841

Re: Items that are worth the money for the quality

Peets coffee and Mitchell's ice cream
by skp
Thu Oct 15, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: replace or repair sidewalk, steps.
Replies: 8
Views: 669

replace or repair sidewalk, steps.

My house is 38 years old and things are starting to need repaired, replaced. My current main annoyance is our side walk. Our side walk has sunk to the point where there is a large drop between the sidewalk and the front porch steps. The side walk is not cracked, just sunken. Should we have the side ...
by skp
Tue Aug 04, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Building a new home (non-custom) Any advice from your experience?
Replies: 18
Views: 1619

Re: Building a new home (non-custom) Any advice from your experience?

We built our house as 25 year olds 35+ years ago. I assume my advice is still helpful. We were young and dumb . I picked our builder because he had wood closet doors instead of metal ones- in other words his finished product didn't look cheap. Yet we could still afford the house. i was a boglehead e...
by skp
Sun Aug 02, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4763

Re: Move to NE Ohio?

I grew up in Pittsburgh and have lived in Cleveland (Geauga county) for 40 years. I would recommend Mentor over Cleveland Heights. Both have ice rinks nearby. (So does Lakewood.) Cleveland Heights is more "city" and more interesting. If you are looking for "walkable" that is a be...
by skp
Mon Jun 15, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1269

Re: EZ-Pass Issue for Pennsylvania

I live in Ohio and my parents in PA. I visit monthly so I got a PA not Ohio EZ Pass because Ohio charges a monthly "fee" and PA didn't. About 6 months ago I didn't have my EZ Pass for some reason and have yet to be billed. I keep wondering if it will ever happen. Then again could it be bec...
by skp
Mon Jun 15, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 12018

Re: Prenup? What Should It Say?

If only we heard the other side of these type posts. The young woman here, I would be telling her to run to the hills. Broken Man 1999 Why? If your daughters are strong individuals, why would they feel a need to make a claim on premarital property that they didn't contribute to? And unless they wer...
by skp
Mon Jun 15, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 12018

Re: Prenup? What Should It Say?

If only we heard the other side of these type posts. The young woman here, I would be telling her to run to the hills. Broken Man 1999 Why? If your daughters are strong individuals, why would they feel a need to make a claim on premarital property that they didn't contribute to? And unless they wer...
by skp
Mon Jun 15, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 12018

Re: Prenup? What Should It Say?

If I was the future wife's mother, I would be looking it from a different perspective than this mother in law. I was always taught that a woman needs to be able to take care of herself, you never know what life is going to throw at her. To me the prenup is not even relevant. A prenup is not going to...
by skp
Thu May 21, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Child inheritance -change executor?
Replies: 20
Views: 1505

Re: Child inheritance -change executor?

I don't know the whole situation. Question did they give any inheritance to you and your siblings or just skip a generation. If this is the case maybe your parents intentionally made deadbeat brother executor/ administer of the trust. His new "job" administering the trust and getting paid ...
by skp
Sat Apr 25, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Do 529s, UMTAs and HSAs Cause Wash Sales
Replies: 28
Views: 1615

Re: Do 529s, UMTAs and HSAs Cause Wash Sales

I had never heard of a wash sale and googled it to try to figure it out. I'm still not exactly sure what you are doing here and what the benefit would be.
by skp
Fri Apr 24, 2020 5:38 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10565

Re: physician/APC pay cuts

Nurse here.... If they fire you, don't they have to pay their share of unemployment? Sounds to me like hospitals want their cake and eat it to. They just tell us to stay home. Use your vacation time or go without pay. In the end for me it's like a 25% reduction in pay. So they are saving a boat load...
by skp
Tue Mar 31, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3071

Re: Stand Mixer

Contrary opinion here. I wouldn't recommend a Kitchenaide. My 5 year old 6 qt professional lift model Kitchenaide is currently sitting on my kitchen table, broken for the 3rd time in the last year. My husband fixed it twice, about $50 in parts, and now with it broke again, I'm thinking about giving...
by skp
Sat Mar 28, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3071

Re: Stand Mixer

Contrary opinion here. I wouldn't recommend a Kitchenaide. My 5 year old 6 qt professional lift model Kitchenaide is currently sitting on my kitchen table, broken for the 3rd time in the last year. My husband fixed it twice, about $50 in parts, and now with it broke again, I'm thinking about giving ...
by skp
Wed Feb 12, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14461

Re: Am I crazy to consider quitting my job?

Many moons ago I was in your situation. I was a part time nurse who wanted to go prn (work when I felt like it but no Benifits or retirement). It was summer. The kids were Nearing school age and I really wanted the summer off. I also liked my job. But saw that these golden summers would soon be over...
by skp
Thu Jan 16, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30546

Re: Do you plan to actually spend down your portfolio?

I am lucky enough to be getting a pension on top of social security, plus a spouse who gets social security. That more than covers my known expenses plus a reasonable sum of money for wants. I could use my portfolio if there is something that I feel I absolutely needed/ wanted, but since I regard my...
by skp
Wed Jan 01, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 7170

Re: Parents vs. Kids Paying for College

With what I pay for childcare now, I expect to cash flow state school tuition. I can’t afford to fund a 529 at this point. My spouses’ family paid for state school and they could attend a private by taking the difference in loans. I liked that approach. THIS!!!! The average cost of tuition of Ohio'...
by skp
Wed Nov 06, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 5229

Re: Best month to take RMDs?

Admittedly no nothing but can't you set autowithdrawl's monthly from the retirement accounts and have them autodeposited into your checking account? I always thought that it was recommended to do monthly vs lump sum deposits, why not the opposite? That would be the opposite of timing the market. It ...
by skp
Wed Oct 30, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13956

Re: Ok to go without health insurance?

I can substantiate costs being lower. My husband was being worked up for an elevated PSA. He needed a prostate MRI which could only be done in a facility 45 minutes from our home. Sounds like it is newer technology and not every hospital is capable of doing it. We were told it would be $200 without ...
by skp
Sat Oct 12, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5980

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I second Roan Mt State Park. The cabins there are pet friendly, reasonably priced. The park is near Boone NC and you can get your fix of mountains, hiking, views and sightseeing.
by skp
Tue Sep 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 49104

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Meanwhile, for teachers that do survive longevity in the career, the available tax deferred plans, pension, and tax code for strategic planning exists. Our household makes more gross income between the two of us than the OP in education, and as a result of being empty nesters have been able to max o...
by skp
Fri Sep 13, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 5610

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I checked on line and supposedly my local Walmart sells a 6 count of 8 ounce bottles of 1% great value milk for $ 3.48 (.58 each)
by skp
Fri Sep 13, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10990

Re: How old is your cellphone?

My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink: My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :) I’m amazed the hinge would last ...
by skp
Thu Sep 12, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 5610

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I looked it up on Amazon they are called Kiinde. While looking, I saw Tommy Tippee breast milk bags- they were 30 cents each and hold 6 ounces.
by skp
Thu Sep 12, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 5610

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I don't know whether this would work or not because I only so pictures of them on a baby registry. A new mom was requesting these disposable pouches that look like you use them to hold baby formula or baby food. I forget their name. They look like you could put milk in them and then freeze it. Does ...
by skp
Thu Sep 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10990

Re: How old is your cellphone?

Side note: I can usually judge an "old phone" person by the type of case they have. What can you tell about us few who don't put their phone in a case? One or all of the following: 1) they have loads of money 2) they have phone insurance (see loads of money above) 3) they don't plan on ke...
by skp
Thu Sep 12, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10990

Re: How old is your cellphone?

tomd37 wrote: Wed Sep 11, 2019 12:57 pm My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink:
My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :)
by skp
Wed Sep 04, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early - am I thinking about this right?
Replies: 127
Views: 12367

Re: Paying off mortgage early - am I thinking about this right?

I paid off my house. I am debt adverse, it made me less tense about money, and it made our lives more flexible. My husband was able to take a job he liked instead of one that made the most money. We could have lived on one income easily with our house paid off. Amy Dacycyn, the frugal zealot's, phil...
by skp
Mon Aug 26, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4472

Re: Headache buying new minivan

Thank for your reply! So up to your expirience, is the caravan or pacifica have quiet and smooth drive like sienna (that is most importance because i want my grand mother can sleep on long drive)? I used to test drive the odyssey and felt that the road noise is loud! I think my Pacifica has a very ...
by skp
Mon Aug 26, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4472

Re: Headache buying new minivan

Adding, we gave that rusted van to my son's in laws. It's 14 years old and still going strong.
by skp
Mon Aug 26, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4472

Re: Headache buying new minivan

We have had 2 Dodge Caravans and currently I have a Chrysler Pacifica. We have also had Nissans, Hondas, Volkswagens, and ford hatchbacks. I don't feel that the Caravans mechanically were any worse than any of those other cars listed. However, I do admit they were much worse with rust. I drove mysel...
by skp
Fri Jul 19, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2632

Re: Glacier National Park

Your list is good. But I think it's a good idea to be flexible. I had a list last year when we went. The iceberg lake trail was closed to bears and the whole west side of the park was closed due to wildfires. Think flexible.
by skp
Mon Jun 24, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2677

Re: Chrysler Pacifica - Yes or No

We have had our Pacifica for 2 years. Prior we have had 2 Dodge Caravans. They were fine mechanically but I hated that they rusted out so soon. So, I looked at the Sienna and the Oddysey for the next van. We went with the Pacifica because we wanted Stow and Go seats. They were very important to us. ...