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Re: running shoes for a severe overpronator(flatfoot)

Always reluctant to give shoe advice, as each individual is different. Agree with going to a running store to try on shoes for fit, and buying first pair there. When I started running, I was quite a bit overweight. I also have flat and wide feet. I started out with the ASICS 2000 series shoes, which...
by R2
Sat May 31, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 3329

Re: College Financial Evaluation Tools

Will be sure to check out out-of-state state schools that offer merit aid. I hadn't seriously considered those, so appreciate the suggestion.
by R2
Mon May 19, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Evaluation Tools
Replies: 13
Views: 743

Re: College Financial Evaluation Tools

More good info here . . . thanks. Jack FFR1846 - Thanks for taking the time to list the concerns for the community college route. Before doing this we certainly would need to have a four year plan including the transfer. We one older sibling we opted for a less expensive four year college instead of...
by R2
Sun May 18, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Evaluation Tools
Replies: 13
Views: 743

Re: College Financial Evaluation Tools

Thanks for the feedback. TomatoTomahto: Thanks for pointing me to collegeconfidential. I have looked at it before for the top options, and it is a very useful website. What I liked about the site on my original post is that it showed expected cost based on EFC. The combination of both sites seems to...
by R2
Sun May 18, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Evaluation Tools
Replies: 13
Views: 743

College Financial Evaluation Tools

Hello All, I'm doing research about colleges and am investigating options with my third child. He is very much interested in the sciences and is very involved with outdoor activities such as "EcoTeam" as well is an avid community gardener. He is interested in pursuing a career in the scien...
by R2
Sun May 18, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Evaluation Tools
Replies: 13
Views: 743

After Tax 401K / Roth Conversion in Place of 529 Acct

I contribute the maximum pre-tax amount to my 401K and utilize my "Backdoor Roth" space. I also have a 529 plan for each of my children. I am contemplating making after tax contributions to my 401K and doing in-service withdrawals into my Roth IRA in place of the 529 plans, with the intent...
by R2
Thu Jan 09, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401K / Roth Conversion in Place of 529 Acct
Replies: 3
Views: 241

Re: Engineering Career Path [moving within company]

In the same situation as you a number of years back I opted to take a design engineering position. It has worked out well for me. I try to add skills over time to allow my to provide greater value to my employer. Some times it required changing positions, other times not. Six years in your current p...
by R2
Sat Nov 16, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineering Career Path [moving within company]
Replies: 26
Views: 2443

Re: Advice on what to do summer before senior year high scho

My son is the same age. Here are his plans. 1) Work part time at a bait shop. 2) Study and retake ACT. (some of his potential schools have defined scholarships based on test scores and GPA). 3) Off-season cross-country running with team. 4) Care for his community garden plots. (Also works part time ...
by R2
Sat Nov 16, 2013 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Advice on what to do summer before senior year high school
Replies: 63
Views: 3140

Re: Roth Conversion for Backdoor Access Beneficial?

Thanks for the tip about adjusting my withholding to cover the taxes. I had started working on form 2210, and am pleased to avoid that task. I would not have met the safe harbor provisions, so I adjusted my withholding today. It would have felt psychologically less painful to have done it early in t...
by R2
Tue Oct 15, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion for Backdoor Access Beneficial?
Replies: 10
Views: 841

Re: Roth Conversion for Backdoor Access Beneficial?

During the rollover I opted to have none of the money withheld for taxes to maximize the amount going into the Roth. Should I send in an estimated tax payment for the amount that I would have withheld? I started investigating the potential for underpayment penalties and it wasn't clear if this would...
by R2
Fri Oct 11, 2013 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion for Backdoor Access Beneficial?
Replies: 10
Views: 841

Re: Roth Conversion for Backdoor Access Beneficial?

Thanks for your inputs, letsgobobby.

I hope to work another ~20 years so the ROTH conversion makes sense in our circumstance.

We did the conversion this afternoon.
by R2
Thu Oct 10, 2013 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion for Backdoor Access Beneficial?
Replies: 10
Views: 841

Re: Roth Conversion for Backdoor Access Beneficial?

Hello, Thanks for the responses. I suspected I did not have the entire picture for costs as well as the benefit of the backdoor Roth. I don't expect to access any of the money for at least 10 years, so that should well exceed break-even. So we will likely do the conversion. I also like having the op...
by R2
Thu Oct 10, 2013 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion for Backdoor Access Beneficial?
Replies: 10
Views: 841

Roth Conversion for Backdoor Access Beneficial?

My wife is a SAHM and has both a Roth (~$30k) and a traditional (~$30k) IRA. I am interested in being able to do backdoor Roth conversions in her account. Per information in the "Backdoor Roth" Wiki, we would need to convert the traditional IRA to do so, paying taxes at our current rate. I...
by R2
Wed Oct 09, 2013 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion for Backdoor Access Beneficial?
Replies: 10
Views: 841

Re: Pharmacy as Career Choice

Thank you all for the helpful replies as well as the PMs. I also very much appreciate the efforts of the moderators for this message board, as the civil tone and constructive nature of the contributors is, in part, due to the positive environment that they foster. It is always encouraging how anonym...
by R2
Sat Aug 17, 2013 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Re: Classic Car for Teen Driver(?)

To follow up . . . We opted to not buy a classic car for my son. My reservations were safety features of the car, as well as for others on the road! We ended up buying a Nissan Altima coupe that was a salvage title from Hurricane sandy. I did internet searching for a few months and found it at a rea...
by R2
Sun Aug 11, 2013 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 87
Views: 8030

Re: Pharmacy as Career Choice

Thought I would check back on this thread and provide an update. Additional suggestions/comments are welcome. DD was accepted to NDSU and not the U of Minnesota. She will be starting in the fall, following meeting all of her last requirements over summer school. She was admitted into the program aft...
by R2
Sun Aug 11, 2013 11:49 am
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Re: Deferred Compensation Plan

Not to hijack this thread, but . . . This may also be of interest to the OP. Is use of the deferred compensation plan an efficient way to reduce taxes in combination with stock options? I have non-qualifed options that I need to exercise in the next two years, which are roughly 1.2X my annual salary...
by R2
Sat Jun 22, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan
Replies: 18
Views: 1241

Re: Deferred Compensation Plan

Another thing to keep in mind is that once admitted to the plan, you may become ineligible in the future, depending on plan rules and your compensation level. To be eligible in the plan at my corp, one needed to be in the top x% of compensated employees to contribute. If you fell below that level, y...
by R2
Sat Jun 22, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan
Replies: 18
Views: 1241

Re: College Admissions - Affecting Your Planning?

College admission season is upon us and it looks like once again the odds of gaining admission at the most selective private colleges are getting longer and longer. Admission rates this year were abysmal: Stanford 5.7%, Harvard 5.8%, Yale 6.7%, Princeton 7.3%, etc. And the trend seems to go down th...
by R2
Mon Apr 01, 2013 6:46 pm
 
Forum: Personal Consumer Issues
Topic: College Admissions - Affecting Your Planning?
Replies: 59
Views: 3218

Re: Pharmacy as Career Choice

Thanks all for providing the helpful responses. To be more specific, the two schools are the University of Minnesota and North Dakota State University. Both are accredited. If the career goal is to be a hospital pharmacist, would the school choice matter? I wasn't even aware that one could get a Pha...
by R2
Mon Mar 25, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Re: Pharmacy as Career Choice

Hope you all don't mind if I revive this thread . . . I appreciate all the previous insights, and have acted on some of the suggestions. As an update, my daughter is now a sophomore and is interviewing to be admitted into pharmacy programs. She has completed most of the prerequisites for admission t...
by R2
Sat Mar 23, 2013 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Re: Trap Shooting Gun Recommendations, Please

Thanks, Alex. My son and I just returned from the trap club after purchasing the gun. It is a beautiful gun and my son is ecstatic about the purchase. I'm amazed at your knowledge of the specifics related to this particular gun, and appreciate the info. We've had quite a bit of fun doing some web se...
by R2
Sat Mar 02, 2013 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Trap Shooting Gun Recommendations, Please
Replies: 16
Views: 1417

Re: Trap Shooting Gun Recommendations, Please

It's been a while since my original post, so thought I would post a follow-up. I researched the recommended guns online, as well as went to a few gun shops to see some of them. The advice from all the responses matched up quite well with recommendations from the club coaches, as well as many of the ...
by R2
Sat Mar 02, 2013 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Trap Shooting Gun Recommendations, Please
Replies: 16
Views: 1417

Re: Deciding college for High School Graduate

My second daughter starts next fall, so I've been through this process a couple of times. I read the book associated with this website and found it helpful: http://www.thecollegesolution.com/ Finances played a significant role in the college decision for both of my daughters, so it was important tha...
by R2
Sun Feb 10, 2013 11:24 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4261

Re: How much do you expect your kids to pay for college?

We have opted to define a fixed amount that we are willing to contribute yearly to each of our four children. Our first daughter started college two years ago and we told her we could contribute $16K each year early in the college selection process. She was admitted to a couple of state schools and ...
by R2
Sat Jan 26, 2013 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you expect your kids to pay for college?
Replies: 237
Views: 17444

Trap Shooting Gun Recommendations, Please

My 16 year old son is shooting trap again this year. His first year he used his uncle's gun, but it is not available this year. He is the size of the typical adult, and I don't expect him to grow much more (don't know if this matters?). We would likely buy the gun for competition and sell in about t...
by R2
Fri Jan 18, 2013 9:09 am
 
Forum: Personal Consumer Issues
Topic: Trap Shooting Gun Recommendations, Please
Replies: 16
Views: 1417

Re: Vegetable Gardening

My squash did well in June and early July. Then the ants decided to farm aphids (or some other sap-eating insect) on the squash. While the plants are still alive, they are not setting fruit. Neem oil didn't seem to deter the ants, they just brought in more aphids to replace the ones the neem oil ki...
by R2
Sat Aug 11, 2012 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Vegetable Gardening
Replies: 99
Views: 9833

Re: Classic Car for Teen Driver(?)

Thanks to everyone for posting helpful information. There seems to be a lot of interest in this topic, as well as a good breadth of perspective. My initial reaction to my son wanting a muscle car was that it was fun to look, but it was not the right thing for him. My thoughts are now more like that ...
by R2
Mon Jun 25, 2012 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 87
Views: 8030

Re: Classic Car for Teen Driver(?)

Thanks for the helpful replies. My son is mechanically inclined. It would not surprise me if he were to pursue some mechanical trade or profession. He is a good student and may choose to become a mechanical engineer (like me). I am considering letting him tinker with an old car for this reason. Many...
by R2
Sun Jun 24, 2012 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 87
Views: 8030

Classic Car for Teen Driver(?)

My 15 year old son now has his permit and is very much interested in cars. I am neither very much interested in cars, and even less interested in working on them. He has shown great interest in buying an older "classic" car. It is his desire to buy an older car "classic" car for ...
by R2
Sun Jun 24, 2012 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 87
Views: 8030

Re: Buying a bike

Dieharder, I'm not a bicycle expert but bought a bicycle this morning and have a very similar expected use profile. I went to a local bicycle shop and discussed options with the staff. They found a bike with a good fit, and I took it out for a test drive. I opted to purchase a Trek 7.2 FX. The manag...
by R2
Sat Jun 16, 2012 11:48 am
 
Forum: Personal Consumer Issues
Topic: Buying a bike
Replies: 69
Views: 7811

Re: Is Ivy League cheaper than State college(or other privat

The answer to "Is Ivy League cheaper than State College" is difficult in that the answer depends both on you and your child. For the OP, it depends on his assets and income 10 years for now, as well as his child's GPA, standardized tests, and "profile". My eldest child started co...
by R2
Sat Apr 07, 2012 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Is Ivy League cheaper than State college(or other privates)
Replies: 127
Views: 4186

Re: What Book Are YOU Currently Reading? Part IV. (07/04/201

I recently read Drive by Daniel Pink. I read it because I was looking to understand the various levels of individual engagement within the workplace. The book provided insight into what motivates individuals, and how to provide a suitable environment for high achievement. Also read The Starfish and ...
by R2
Sat Nov 05, 2011 5:01 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 348056

Thank you everyone for responding. I talked with my daughter yesterday, and I believe that she is more stressed about not doing as well in her Chemistry class (the grades), than the content of the class. So the anxiety is primarily about doing well enough to remain in the program. She also has not f...
by R2
Mon Sep 26, 2011 7:30 am
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

I would agree, then, that in your situation the degree could be helpful. I was mistakenly thinking that there were already more experienced engineers in your group, with more skill that you would naturally learn by working with them. I did exactly what you are suggesting, but I must admit I learned ...
by R2
Mon Sep 26, 2011 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Considering grad school
Replies: 44
Views: 4274

Zombie thread update . . . My daughter was accepted into the Pre-Pharmacy program, which was somewhat selective. After a couple of years she will need to apply again, and it is my understanding that ~30% get accepted. She came home last night after about four weeks of school and is quite stressed ab...
by R2
Sat Sep 24, 2011 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

It's been my experience that those that have best utilized their MSME have taken coursework and developed experience in a complementary specialty. In your case, you might consider to study structural dynamics, finite element methods, or control theory. This could broaden your qualifications to take ...
by R2
Sat Sep 24, 2011 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering grad school
Replies: 44
Views: 4274

Hello all, thought I'd check back in. I've been looking at used cars and the Hyundai Elantra seems to have the best value for our needs, but most used cars with less than 50 000 miles seem overpriced compared to new cars. I have a lot of confidence in my daughter's driving as she is cautious, by nat...
by R2
Mon May 30, 2011 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Auto Recommendation for Teen Daughter
Replies: 82
Views: 6481

Thanks to everyone for replying.

I've been checking local prices for used cars and am surprised at the price of used cars. I also saw another thread discussing that very topic. so no need to rehash.

Based on recommendations here, I'll expand looking at used Camrys and Accords.
by R2
Wed May 25, 2011 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Auto Recommendation for Teen Daughter
Replies: 82
Views: 6481

Auto Recommendation for Teen Daughter

Our 16 year old daughter needs transportation to her job and we are looking to buy a vehicle for her. We will contribute $6k toward the vehicle, and she is required to pay the remainder. She has indicated she would like to spend ~$6k toward the vehicle, but could spend up to 2X that amount from her ...
by R2
Sun May 22, 2011 9:25 am
 
Forum: Personal Consumer Issues
Topic: Auto Recommendation for Teen Daughter
Replies: 82
Views: 6481

Everyone's situation is different, but perhaps someone else is in the same as mine. My daughter graduates in two weeks. She is a good student, but is undecided in her major. Because I consider a bachelor's degree to now be a requirement for employment (not saying it should be this way), she will be ...
by R2
Sun May 22, 2011 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What would you tell your child to major in?
Replies: 162
Views: 19968

Thanks for the responses. Non-Bob, I lurked the thread that I believe you are suggesting through the search recommendation. I agree with your recommendation in that thread about parents funding a Roth before the 529, and we have been following the recommended course for the last ten years. (You typi...
by R2
Sat Apr 16, 2011 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings: Add to 529 or Child's Roth IRA
Replies: 7
Views: 1175

College Savings: Add to 529 or Child's Roth IRA

We contribute the maximum to our 401K and IRAs, so are comfortable with our retirement savings. We have been saving for the education of our children since prior to their birth and have a trajectory that will allow us to contribute $1X,XXX for each child for four years (four kids). This amount may b...
by R2
Sat Apr 16, 2011 5:52 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings: Add to 529 or Child's Roth IRA
Replies: 7
Views: 1175

Regarding the OP's question about writing a letter, I would suggest calling and discussing the situation with your contact in admissions prior to sending the letter. This would help you understand the aid process, provide you a contact that you can send your letter, and potentially create an advocat...
by R2
Sun Apr 03, 2011 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: College costs over family budget - write letter?
Replies: 79
Views: 8391

Thanks to all that provided feedback. I always appreciate when strangers take the time to be so helpful. I will forward this link to my daughter to let her give her a sense of the broad perspectives out there. (Note to DD: Don't be paralyzed by the conflicting information. Take action, and we can fi...
by R2
Sun Dec 26, 2010 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

I started pre-pharmacy towards the PharmD degree, but switched towards a research track with a BS then PhD. I advise a couple of PharmD/PhD students, which she might enjoy since you are trained for the two very distinct tracks, and she can focus on one later depending on how she develops intellectu...
by R2
Fri Dec 24, 2010 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Thanks for the replies. All help is appreciated. My DW has arranged for my DD to "shadow" a pharmacist for half a day at Walmart. Would this experience be sufficient or perhaps unbalanced? I'm thinking perhaps we should have my DD study up on the post grad options and set up something with...
by R2
Fri Dec 24, 2010 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

Pharmacy as Career Choice

Hi All, My daughter is applying for colleges and her area of study is undecided. She has expressed some interest in pursuing Pharmacy, which her mother and I know little about as a profession. Are there any Pharmacists out there willing to share their perspective on their profession? How is job sati...
by R2
Fri Dec 24, 2010 8:15 am
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10125

I read further in the code of ethics that I am obligated to report this type of conduct or will be considered complicit.

I guess I'm forced to do something.

The anonymous letter seems the best option. Will need to keep a copy to prove that I sent it.
by R2
Sat Oct 30, 2010 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Immediate Manager Soliciting Cash Contributions
Replies: 29
Views: 2662

Here is a portion of the code of ethics policy. I can report, but it is a 1-800 number. I wouldn't want my voice recorded. 3. Conflicts of Interest and Ethical Conduct. Each Employee and Director owes a duty to the Company to act with integrity. Integrity requires, among other things, being honest a...
by R2
Sat Oct 30, 2010 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Immediate Manager Soliciting Cash Contributions
Replies: 29
Views: 2662
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