Search found 900 matches

by leeks
Thu Apr 22, 2021 12:41 am
Forum: Personal Consumer Issues
Topic: OTC hearing aids: experiences, wisdom?
Replies: 12
Views: 1119

Re: OTC hearing aids: experiences, wisdom?

My dad has been happy with his Costco ones. Among his friends who also dislike spending money, Costco is accepted as the best option for hearing aids.
by leeks
Thu Apr 22, 2021 12:30 am
Forum: Personal Finance (Not Investing)
Topic: my YOLO moment (career downshift and full-time WFH)
Replies: 29
Views: 3572

Re: my YOLO moment (career downshift and full-time WFH)

Wow, this sounds like a bad situation. You should move to be with your spouse, then let the chips fall where they may. If they insist you go back to the office, then you should quit. But if you do that, if you're willing to quit, they might change their mind. but I wouldn't put up with what you're ...
by leeks
Thu Apr 22, 2021 12:29 am
Forum: Personal Finance (Not Investing)
Topic: my YOLO moment (career downshift and full-time WFH)
Replies: 29
Views: 3572

Re: my YOLO moment (career downshift and full-time WFH)

an_asker wrote: Wed Apr 21, 2021 11:25 pm Also, unless there is some multiplier involved, the $65k professor salary appears really low as well!
Very believable. Professors, especially not-yet-tenured-ones, mostly don't make huge salaries. And many are in low or medium cost of living areas.
by leeks
Thu Apr 22, 2021 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Car warranty companies
Replies: 28
Views: 1845

Re: Car warranty companies

I get at least one of those phone calls daily and cannot make them stop. I am already on all the do not call lists I could find. It's a cell phone, I believe they are breaking the law. The caller numbers are faked so I have no way to reach them or report them. The cell phone company wants me to pay ...
by leeks
Wed Apr 21, 2021 10:36 pm
Forum: Personal Consumer Issues
Topic: Mineral-based sunscreen without looking like a ghost?
Replies: 18
Views: 1540

Re: Mineral-based sunscreen without looking like a ghost?

Badger makes "clear zinc" sunscreens that work well for our family. Make sure to buy current season offerings (sometimes on Amazon prior year stock is sold and the formulas have changed). We are using their SPF 40 Baby Sunscreen as the everyday suncreen for both adults and kids. This versi...
by leeks
Wed Apr 21, 2021 7:36 pm
Forum: Personal Investments
Topic: New to stock investing and have $5000 to invest. What would you do?
Replies: 15
Views: 1407

Re: New to stock investing and have $5000 to invest. What would you do?

What is your investment timeline? Can you put the $5K in something like a Roth IRA so it can grow tax-free and be used for retirement?

We use the Vanguard Target Retirement Funds in our 401K and IRA accounts because they are easy.
https://investor.vanguard.com/mutual-fu ... irement/#/
by leeks
Wed Apr 21, 2021 6:11 pm
Forum: Personal Investments
Topic: Should I use I bonds as emergency fund?
Replies: 20
Views: 1983

Re: Should I use I bonds as emergency fund?

The only real downside to I-Bonds (other than the 12 month period) IMO is just the mechanics of using the TreasuryDirect site. You have to log into your account, purchase the bonds, then (ideally) give transact rights to your spouse. Then your spouse has to login into their account, make their own ...
by leeks
Mon Apr 19, 2021 12:29 pm
Forum: Personal Investments
Topic: 529 from NY to VA and private elementary
Replies: 5
Views: 527

Re: 529 from NY to VA and private elementary

Glad to know the combined $16K deduction worked for you, anon_investor.
by leeks
Sun Apr 18, 2021 4:22 pm
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 199
Views: 14739

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead

This approach Is NOT suitable for families looking for the stereotypical "college experience" seen in movie montages. Uggh yeah the frat party version of college is not at all what we have in mind when we think of indulgent college years. We would not feel like subsidizing that version of...
by leeks
Sun Apr 18, 2021 12:00 am
Forum: Personal Investments
Topic: 529 from NY to VA and private elementary
Replies: 5
Views: 527

Re: 529 from NY to VA and private elementary

Although your earned income is NY sourced, won't you have other income subject to VA income tax that you can deduct? Also, is the income NY sourced because it is remote work for a NY based company? Yes, remote work for an NYC employer. Taxable investment income would be negligible. In 2022, the cur...
by leeks
Sat Apr 17, 2021 11:31 pm
Forum: Personal Investments
Topic: 529 from NY to VA and private elementary
Replies: 5
Views: 527

529 from NY to VA and private elementary

Anyone experienced with using a 529 plan to pay for private K-12 school in VA? Anyone moved from NY to VA? Am I correct that we should leave the NY 529 in place (vs transferring it into the VA one)? Tentative scenario is that we leave NYC (rental apartment) at the end of June to live full time in Vi...
by leeks
Sat Apr 17, 2021 7:22 pm
Forum: Personal Consumer Issues
Topic: Non-Pilling Bed Sheets
Replies: 5
Views: 529

Re: Non-Pilling Bed Sheets

Our cotton flannel sheets sometimes pill. Our cotton percale (200 thread count) sheets do not. We use the dryer for all sheets.
by leeks
Sat Apr 17, 2021 5:59 pm
Forum: Personal Investments
Topic: Help deciding ratio of college vs. retirement savings
Replies: 25
Views: 1851

Re: Help deciding ratio of college vs. retirement savings

As many bogleheads would say, I would max out tax-advantaged retirement account contributions first. Next, make 529 contributions up to the max tax benefit. If/when you can save more money than that, then it is just personal preference if you want to prioritize more 529 savings vs taxable retirement...
by leeks
Sat Apr 17, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 199
Views: 14739

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!

I've noticed a tendency in this forum to give "have your child" do x, y, or z type advice. One thing you might find with older children is that by the time they are college age, they are adults capable of making independent decisions. I'm sure they will still appreciate helpful advice and...
by leeks
Wed Apr 14, 2021 11:04 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 38
Views: 2691

Re: Lawn care question

Our plan for a recently purchased home: 1. Front yard: replace all grass with planting beds (with pavers to make pathways in between). Incorporate low-maintenance native perennials to support pollinator insects and birds and such (also use some of our favorite non-native plants but avoid invasive sp...
by leeks
Tue Apr 06, 2021 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirds - mail and bills
Replies: 42
Views: 4310

Re: Snowbirds - mail and bills

My experience with mail forwarding is that it doesn't catch every piece of mail. So, when we are away for extended periods, we do temporary mail forwarding but also leave a stack of prepaid priority mail envelopes with a neighbor. You can order them prestampted on USPS.com: https://store.usps.com/st...
by leeks
Sun Apr 04, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for high schooler with HFA & difficulty with math
Replies: 65
Views: 6036

Re: Career advice for high schooler with HFA & difficulty with math

Thank you all so much for your responses. I asked what she likes about MS Excel and she says she enjoys running mock reports, formatting and creating charts etc. She absolutely avoids social interaction, even one on one. It's very hard for her and she says it exhausts her to have conversations, sma...
by leeks
Sun Apr 04, 2021 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for high schooler with HFA & difficulty with math
Replies: 65
Views: 6036

Re: Career advice for high schooler with HFA & difficulty with math

Thanks, everyone, for your feedback. She tried to learn Python coding, and did not do well in it. So I'm not sure - at this time - that coding / development would work, although I understand that kids change. I'm hoping things get easier & better for her. But looking at her now with the meltdow...
by leeks
Sun Apr 04, 2021 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for high schooler with HFA & difficulty with math
Replies: 65
Views: 6036

Re: Career advice for high schooler with HFA & difficulty with math

Sometimes math is not taught well. Agree. Sometimes I wonder how anyone other than exceptional students manage to learn math given how they they teach it in school. Many of the kids finding high school math too hard probably just don't have a good enough grounding in middle school math. I've scramb...
by leeks
Wed Mar 31, 2021 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job Dilemma
Replies: 68
Views: 7395

Re: Job Dilema

Triple digit golfer wrote: Wed Mar 31, 2021 3:23 pm Job #1 is a no-brainer for me.

Job #2 is too stressful and too many hours.

Job #3 doesn't seem like a step up from Job #1 at all.
+1
by leeks
Wed Mar 31, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10766

Re: Curious about negative expat experiences -- why don't more people do it?

Secure government job I would come back to after any expat gig. Decent federal expense package, including rent paid and international school starting at kindergarten. Enough $$ to afford household help too. All in all, we'd probably come out slightly ahead financially. Most people don't have this p...
by leeks
Wed Mar 31, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6709

Re: Family car

Would you considered used? I see used siennas with under 50k miles going for $20k. The last time I bought a used car was when I was in grad school and I ended up spending more on it than it was worth. I suppose I'm a little burned by that experience, but if a car ~$20k price range sounds like a rea...
by leeks
Wed Mar 31, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6709

Re: Family car

Would you considered used? I see used siennas with under 50k miles going for $20k. The last time I bought a used car was when I was in grad school and I ended up spending more on it than it was worth. I suppose I'm a little burned by that experience, but if a car ~$20k price range sounds like a rea...
by leeks
Wed Mar 31, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6709

Re: Family car

+1 on Toyota Sienna either a new hybrid or a 1-3 year old used one We were in a similar situation last summer after not owning any car for about a decade. We have two kids and no daily driving but wanted a vehicle for weekend daytrips and for road trips (and due to generally wanting a private transp...
by leeks
Wed Mar 24, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: Best convertible car seat for a baby
Replies: 3
Views: 290

Re: Best convertible car seat for a baby

Cosco Scenera cheap, compact, made-in-USA (Indiana) good reviews https://csftl.org/cosco-scenera-next-review-update/ can order from walmart $50 includes shipping (presumably they also sell them in person) https://www.walmart.com/ip/Cosco-Scenera-NEXT-Convertible-Car-Seat-Otto/41126739 We had two, no...
by leeks
Fri Mar 19, 2021 8:15 am
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12412

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

I have lived in the Northeast for more than a decade and am from the Mid-Atlantic. I have never heard of this school. Also, I would be a bit concerned that your child is attracted by the idea of being able to fail up to 3 classes. That would not attract me to a school. I'm sure it's fine if it gives...
by leeks
Wed Mar 03, 2021 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Should we buy our rental home in Queens?
Replies: 12
Views: 1131

Re: Should we buy our rental home in Queens?

It's a three floor, two family home with a two car garage in a great up-and-coming neighborhood with tons of commuting options. Are you planning to live in and use the whole house, or rent out the second family unit? Because landlording in NYC right now is not very friendly at all - anyone can move...
by leeks
Wed Mar 03, 2021 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Should we buy our rental home in Queens?
Replies: 12
Views: 1131

Re: Should we buy our rental home in Queens?

You mentioned the elementary school, are your children school aged yet? There are so many elementary options that the zone matters less than the district. But, in my opinion (as a resident of Western Queens with a preK student and 1st grader), all the NYC public elementary school options are inadequ...
by leeks
Mon Mar 01, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16761

Re: Private School - financially irresponsible?

I'm a Full Professor at a research-intensive University, so I appreciate you caring so much about education. I also have two young children, ages 6 and 3, so this is something that I think about a lot, too. Here is what I would do: 1. Use the same reasoning with your investments as you do with inve...
by leeks
Mon Mar 01, 2021 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16761

Re: Private School - financially irresponsible?

I would like to point out that the damage remote learning has caused many schools (public) will not magically disappear next year. The ugly truth is that there is an enormous population of students who are getting 20% of what they would if they were in person and while grades may appear fine, the t...
by leeks
Mon Mar 01, 2021 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16761

Re: Private School - financially irresponsible?

Did something stop you from getting your kids into private school after the public schools went remote? You have to apply by a certain time every year for the following year. I want to say the deadline is sometime in January? Also, at the time, I was confident that they would be going back to in pe...
by leeks
Mon Mar 01, 2021 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16761

Re: Private School - financially irresponsible?

OP - most of these responses know nothing about NYC schools. The idea of a school zone dictating where your child goes to elementary isn't consistently how it works here. But it doesn't matter because NYC public schools are a complete disaster right now in every way and will never return to what the...
by leeks
Wed Jan 27, 2021 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9930

Re: Advice for a mid-30s humanities graduate student

Fix the lack of exercise first. Without your health, none of the rest of it matters. Ask yourself why you mentioned lack of exercise in your post on a finance discussion board. Apply your desire to overanalyze to the exercise problem. Rearrange your daily routine to facilitate physical health, wheth...
by leeks
Wed Jan 27, 2021 2:22 pm
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 223
Views: 13568

Re: Any boring investors left?

All boring index funds here, mostly in target retirement funds.

My husband has an irrelevant amount of bitcoin, like he bought a few hundred dollars maybe worth a few thousand now. But <1% of portfolio, I see it as an entertainment expenditure, not an investment.
by leeks
Wed Nov 25, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: Storing Moldy Books
Replies: 20
Views: 1593

Re: Storing Moldy Books

There are a lot of libraries throwing out books too these days. I would be very careful before donating something you wish to be preserved in perpetuity. But human health > books. So whatever you do, don't store them in a way that releases mold into your living space. https://www.biblio.com/book-col...
by leeks
Tue Nov 17, 2020 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 86
Views: 8584

Re: Taking a 100k paycut for a less stressful job?

Pursue quality of life as the highest priority.
by leeks
Mon Nov 02, 2020 11:34 pm
Forum: Personal Investments
Topic: Grandparents to give money for kids' edu (529), but I'm tempted to do alternative (mega backdoor roth ira). Thoughts?
Replies: 25
Views: 1872

Re: Grandparents to give money for kids' edu (529), but I'm tempted to do alternative (mega backdoor roth ira). Thoughts

HomeStretch wrote: Mon Nov 02, 2020 10:00 pm As they keep saying 529 over and over to you, consider not discussing your idea of a mega backdoor with them and putting their very generous gifts to your children into 529 accounts.
+1
by leeks
Mon Oct 26, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant modified property and subletting on AirBnB
Replies: 96
Views: 10914

Re: Tenant modified property and subletting on AirBnB

Was contemplating contacting tenant to give them a chance to cure before proceeding with legal action. But issue with that was we need to trust the tenant would do the right thing, and we could no longer trust this tenant. You have to trust them regardless or eventually - they have legal access to ...
by leeks
Sat Oct 17, 2020 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on job decision
Replies: 32
Views: 2911

Re: Weigh in on job decision

EDosi wrote: Sat Oct 17, 2020 6:08 am Too many negatives for my liking. I would decline the offer. Good luck!
+1
by leeks
Sun Oct 04, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Finding Something in life?
Replies: 26
Views: 4227

Re: Finding Something in life?

Is she actually asking you for advice? If not, I would mostly stay out of it. But at least gently provide positive feedback about her efforts to finish the degree in progress. Walking around with an unfinished degree for years does not help with self-confidence. Holding two jobs shows that she has a...
by leeks
Sun Oct 04, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Can we go to one income?
Replies: 46
Views: 4984

Re: Can we go to one income?

You can certainly afford to go to one income if you don't like your current job and want to be home with your child (especially if schools aren't open). $140K is adequate income to support a decent family life. Do you want to do this forever or just take a break? You could just focus on your family ...
by leeks
Fri Oct 02, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: Homeowner attempting to resurface neighborhood public road
Replies: 86
Views: 9425

Re: Homeowner attempting to resurface neighborhood public road

Have you tried asking your neighbor? "Hey - what can you tell me about this road project?" You said it is a dead end road with only 9 homes. So you only have 8 neighbors. Can't you just talk to each other? I don't think it was OP that had 8 neighbors or a cul de sac. OP are you dealing wi...
by leeks
Wed Sep 30, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6912

Re: how do you make your home smell good?

Keep windows open as much as possible. This. Fresh air - accept no substitute! It would weird me out to be parading through new homes during a pandemic, also. That is where you'd want all the windows and doors open for ventilation and hopefully the air would not be stagnant enough to notice any odo...
by leeks
Wed Sep 30, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Homeowner attempting to resurface neighborhood public road
Replies: 86
Views: 9425

Re: Homeowner attempting to resurface neighborhood public road

Have you tried asking your neighbor? "Hey - what can you tell me about this road project?"
You said it is a dead end road with only 9 homes. So you only have 8 neighbors. Can't you just talk to each other?
by leeks
Wed Sep 30, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I/Should I Stop Working (Child Care)
Replies: 21
Views: 2114

Re: Can I/Should I Stop Working (Child Care)

If being home with your older child can reduce his stress level this year (an abnormally stressful year for many), I would find that a valuable investment of your time. We're in a pandemic, your preschool is closed, you don't like your job, and you can certainly afford to live without your income fo...
by leeks
Wed Sep 30, 2020 7:02 pm
Forum: Personal Investments
Topic: What is the best investment you made in your children's/a child's life?
Replies: 27
Views: 2114

Re: What is the best investment you made in your children's/a child's life?

+1 on time:
  • a parent at home during early years and most of the days/hours when the children are not in school
  • both parents home for the majority of mornings, evenings and weekends
providing a sibling we also hope will provide dividends into old age
by leeks
Sun Aug 23, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Renting a washer/dryer for a couple of months until I get a deal on a new one?
Replies: 19
Views: 1586

Re: Renting a washer/dryer for a couple of months until I get a deal on a new one?

How long does it really take to shop for a washer/dryer? What kind of "deal" do you imagine would appear later? Just buy them now.
by leeks
Fri Jul 17, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Hummus Alternative:
Replies: 33
Views: 3414

Re: Hummus Alternative:

You can substitute with any bean. If you think cannelini, black beans, pinto, fava, etc do not have the risk you are concerned about, make hummus out of that. I might even try yellow spit peas.