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cvmom
ParticipantWent to a conference in Philadelphia, man was it depressing. Panhandlers/homeless people everywhere. The drive in to the city was miles of run-down housing. Everyone had an attitude and was crabby. In the conference center, the union would not let us even plug anything in without union assistance. Sad
ParticipantEnjoyed it, thanks!
Participant[quote=harvey][quote=flu]Anyway, I think for the benefit of the OP, we really should put our heads together and give the OP constructive ideas on how to get out of this situation.[/quote]
We already did that.
They need to stop buying new cars and other things they don’t need.
Suzie Orman stuff.
There isn’t much more to it.[/quote]
100% agreed. This is not rocket science. Keeping up with the Joneses and driving new cars is not the path to financial security. Having a few $M in investments and driving beater cars feels way better than scraping along with financial insecurity but showing off in a new Prius/BMW/whatever.
Participant[quote=CA renter]lpjohnso, I think you’ll be very happy about your decision to stay put. Great choice. Best of luck to you and your family!
And save, save, save!!! :)[/quote]
I agree! I highly recommend http://www.mrmoneymustache.com , they have a great forum, lots of money-saving tips.
Participant[quote=CA renter]I would absolutely love to see scaredy get into writing novels.
Please do it, scaredy! :)[/quote]
I second this
Participant[quote=peoplefirst]We can’t follow the old 1975 zoning plan for Carmel Valley, it’s 40 years out of date. It assumes that residents will use cars to go everywhere forever. [/quote]
See what I mean by how depressing this process is? The developer uses this as an argument (CV people just want to use cars to go everywhere), but then includes no public transit in the next 20 years in the plan for One Paseo. Instead, traffic (and therefore pollution) will just get significantly worse if this is built.
February 10, 2015 at 11:06 AM in reply to: Opinions on VCAIX Vanguard California Intermediate-Term…. #782821Participant[quote=kismetsdad]I have invested in Vanguard VCAIX for years and it has been consistent tax free 3.5%+ return. It is about 10% of liquid assets. The higher your tax bracket the more competitive it is with non-tax free investments. The fund has a large pool of bonds so any individual default (like Stockton or San Bernadino) doesn’t have much effect. The fund only buys intermediate term and holds to maturity so the bonds are redeemed at PAR so interest rate fluctuation isn’t a big problem. The Vanguard fund outperforms Fidelity and Schwab doesn’t even offer a product. If you are on Social Security the double tax-free income is actually considered income and renders some of the social security benefit from tax free to taxable. There is thus a tax implication for some investors. This is true for all investments though.
Vanguard also has low overhead![/quote]This is awesome info. I am also invested in this fund but did not realize the potential impact when receiving Social Security. Good info for the future, thank you for taking the time to post.
ParticipantI have been depressed to see our zoning processes in action. Money talks, that’s for sure. The voices of residents are much less important. Seems to me that CV homeowners better get ready for the negative impacts to our lifestyle and property values. I am glad our kids will soon be out of school, and we can move if we choose to.
Participant[quote=Hatfield]I switched about a year ago to the Capital One rewards card. No fees, lots of standard benefits (rental car waiver insurance, double warranty, $500 reimbursement for purchases lost/stolen/broken in the first 90 days, etc) and 1.5% cash back on all purchases. Seemed like the best deal going at the time.[/quote]
Me too
ParticipantUnfortunately, I think the FDA shut down the 23&me health info service. 🙁
June 27, 2014 at 1:59 PM in reply to: OT: For those of you that missed it in section 2, Congrats UCGal!… #775772Participant[quote=scaredyclassic]it’s difficult for me to comprehend not working. it’s not even the stopping working during the day, i can imagine not going to work, it’s the general “work on the mind”, problems at work, repairing minor disasters, planning what i need to do by when, worrying about little things, etc.
i hear about lawyers and judges who die the moment they retire, probably because they relax for the first time in years and a vessel bursts because it’s not being properly clamped down on or something. i think i would have to ease into it so i don’t explode or implode.[/quote]
This is me too. Hubby says, this is ridiculous, we don’t need more $, he is quitting in 1 year 3 months. I can either join him or not. I can’t imagine not working…pathetic I know.
UCGal, will be curious to hear your experience. I can imagine the first 6 months to a year, but after that???
ParticipantWe also have a requirement that the kids do at least one sport. I think it is working/has worked, older kid really seems to have the value of exercise internalized and now does on his own.
ParticipantWe really like the Art of Problem Solving online classes. No boring drills. Aside from the paid classes, there is also a free online system called Alcumus that kids can work through, as well as “For the Win”, a speed race based on the Mathcounts event. http://www.artofproblemsolving.com
ParticipantThe Bernardo fire burned to within 25 feet of my boss’s property. He said he was very impressed by the fire fighters and their success with keeping the property damage from that one to zilch.
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