Search found 10755 matches

Return to advanced search

Re: How do you quickly cool food?

As others noted, no need to heat the soup beyond warm. To make a really cold drink really fast my son uses one of these; http://www.williams-sonoma.com/products/1350750/?catalogId=93&sku=1350750&cm_ven=Google_PLA&cm_cat=Shopping&cm_pla=default&cm_ite=default&gclid=Cj0KEQjwpM2...
by Rodc
Sun Apr 19, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 29
Views: 1738

Re: noise-blocking headphones

Maybe I incorrectly inferred that the first sentence was an unexpected or uncertain result. Different folks report somewhat different things. From an early post in this thread: You don't need any sound input to block the engine noise, and to a surprising degree it blocks out conversations and screa...
by Rodc
Sun Apr 19, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 38
Views: 2714

Re: For those living @ home after college...

I'll be living in the suburbs, and the drive to "downtown" is a good 25 minutes away. One of my concerns was that I would just be like "nah, its too far" when people ask me to hang out, haha! Similar for my daughter. Did not seem to be a big problem. She might get out a little m...
by Rodc
Sun Apr 19, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those living @ home after college...
Replies: 6
Views: 497

Re: For those living @ home after college...

My daughter returned home after college and expected to be treated like a teenager. She worked hard and felt like that was enough. Mom and dad worked just as hard, PLUS took care of the two kids still at home, did volunteer work, and took care of the house. Just having her underfoot and generating d...
by Rodc
Sun Apr 19, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those living @ home after college...
Replies: 6
Views: 497

Re: noise-blocking headphones

I've had an old version of the bose noise canceling over the ear headphones. the black ear pieces disintegrated over time.? The mid-2000s Bose over-the-ear headphones indeed had a problem where the plastic over time became brittle and disintegrated (I've seen many held together by zip-ties and duck...
by Rodc
Sun Apr 19, 2015 5:44 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 38
Views: 2714

Re: noise-blocking headphones

I find they do nothing to cut conversation noise on an airplane if not playing music. Might just be me but I find it hard to hear voices well over the loud drone of the engines (which depends a lot on the particular aircraft and where you are seated), but these cut the drone far more than voices, s...
by Rodc
Sun Apr 19, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 38
Views: 2714

Re: noise-blocking headphones

I have the Bose over the ear and really like them. One thing I like, but have not used (had them 2 years) is the ear covers and the cord are easily replaced if needed. Also they come with two cords, one has a mic for use when making a phone call which is nice if calling from some place noisy. I trie...
by Rodc
Sat Apr 18, 2015 8:32 am
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 38
Views: 2714

Re: Is there a good IPOD alternative?

I picked up a used one a couple gens from the most recent from GameStop. You can order one online.

Ebay might be cheaper, but I figured the GameStop has a local store in case it was a lemon or something.

Since my kids use iPod/iPhone we have iTunes on the family computer so easier to just go iPod.
by Rodc
Sat Apr 18, 2015 8:02 am
 
Forum: Personal Consumer Issues
Topic: Is there a good IPOD alternative?
Replies: 27
Views: 1664

Re: Cost of College & Weighing the Merits of Top Schools

Likewise, if you or your children went to HYPS you avoid giving it significance outside your alumni network. Thus, self-reports about university experience are biased against HYPS.


Boy, not where I live.
by Rodc
Sat Apr 11, 2015 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Cost of College & Weighing the Merits of Top Schools

sfchris, Wow, sorry state U was so bad for you. Makes me wonder. Can you say what state? I went to state U almost 30 years ago. The attrition rate then was similar, but I put it up to the fact that too many kids really did not want to be there, just went to college because mom and dad wanted them to...
by Rodc
Fri Apr 10, 2015 6:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Cost of College & Weighing the Merits of Top Schools

Just wondering does MIT count with HYPS ? Yes ? No ? If the undergrad major is in math, physics or engineering. MIT and Caltech count in terms of education. However, they have much smaller endowments than HYPS and thus much less generous financial aid. If you get to HYPS, you have your cake and eat...
by Rodc
Fri Apr 10, 2015 5:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: It's Official - We're Done

Congratulations!
by Rodc
Thu Apr 09, 2015 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 38
Views: 8039

Re: Cost of College & Weighing the Merits of Top Schools

I got two degrees from Ivy League colleges and while I loved every minute of it, I don't think they are worth it financially in most situations. If you want to pursue a very specific track (management consulting, BigLaw, hedge fund/private equity), I think the signalling effect of the name might be...
by Rodc
Thu Apr 09, 2015 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Just skimmed so no doubt missed some key points. Interesting and possibly useful thought exercise, but missing far too much. 1) need to factor in mortgage interest, this is huge 2) spousal income 3) house has value, sell when laid off at 50 and move to low cost of living area: if house price rises t...
by Rodc
Thu Apr 09, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10921

Re: Cost of College & Weighing the Merits of Top Schools

Agree with the first sentence. Second is on pretty shaky ground. And the last sentence is off base. An average student at a top school would not be average at an average school, they would be well above average (in most cases). Research shows that if two kids are very similar in ability and one is ...
by Rodc
Thu Apr 09, 2015 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Family member asking for money

What is the difference between 1) you give them $5000 (to make up a number) and they spend $5000 on medical and $40k on other bills 2) you pay $5000 to some doctor for them and they spend 40K on other bills. I see lot of folks recommending option 2, but money is fungible. I don't see anything other ...
by Rodc
Wed Apr 08, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 136
Views: 12223

Re: Cost of College & Weighing the Merits of Top Schools

I would say for most people, top schools do make sense - for wealthy people, the cost is minimal compared to the prestige and bragging rights at bridge night. For middle class and below, top schools end up being pretty cheap due to aid. However, people at this site (you among them, it seems) are cl...
by Rodc
Wed Apr 08, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Cost of College & Weighing the Merits of Top Schools

Agree with the first sentence. Second is on pretty shaky ground. And the last sentence is off base. An average student at a top school would not be average at an average school, they would be well above average (in most cases). Research shows that if two kids are very similar in ability and one is ...
by Rodc
Wed Apr 08, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Cost of College & Weighing the Merits of Top Schools

I am an engineering manager and agree with the others - for STEM schools, an expensive private school will matter at most for that first job. After that it is about ability and results. If I stop and think about it I can name my team members universities, but I do have to think about it for a momen...
by Rodc
Tue Apr 07, 2015 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Cost of College & Weighing the Merits of Top Schools

The first couple sum it up pretty well. Is it worth going to a top tier school and paying $240,000 to $280,000 when all is said and done No. Probably true most of the time, especially if the sacrifice is large and puts your retirement at risk. I paid full private college tuition for two kids to go t...
by Rodc
Tue Apr 07, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16480

Re: Finding a Good Physical Therapist

Do you have a community listserve, yahoo or google group, etc.?

These are often good places.

Your doctor may also know who locally has a good rep.
by Rodc
Tue Apr 07, 2015 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Finding a Good Physical Therapist
Replies: 7
Views: 824

Re: Sunglasses $6 to $200

I require my sunglasses to be readers with prescription reading lens inserts in the lower portion of the lens. That way I can read my phone or a book without taking off the sunglasses. I also have a large face so need large sunglasses or they look weird on me. For some reason these are getting hard...
by Rodc
Sun Apr 05, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2794

Re: Sunglasses $6 to $200

I had cataract eye surgery on both eyes. For the time after the second operation I looked for rap-around sunglasses to let no sun rays hit my changed and probably sensitive eyes. Opticians had those $100 to $200 sun glasses which did not appear to do the job for me. My local gas station had $17 rap...
by Rodc
Sat Apr 04, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2794

Re: IRS Identity Theft Tax Fraud

Today found out I am in this position this year. Due to wife having a one year drop in work hours which would go back up this year I did not adjust my tax withholding last year and over paid just last year. Had some late in the year inherited items I donated to charity. Too late to adjust withholdi...
by Rodc
Sat Apr 04, 2015 5:41 pm
 
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 4074

Re: Paying for children college

I've been an academic since 1975. I've had appointments in in law schools, Business schools, engineering schools , medical and public health schools, consumer economics, information systems and NIH. Boy, you had a lot of trouble holding a job, didn't you? :) ktd, There is no way to know what the co...
by Rodc
Sat Apr 04, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for childrens' college
Replies: 121
Views: 7856

Re: IRS Identity Theft Tax Fraud

Today found out I am in this position this year. Due to wife having a one year drop in work hours which would go back up this year I did not adjust my tax withholding last year and over paid just last year. Had some late in the year inherited items I donated to charity. Too late to adjust withholdin...
by Rodc
Sat Apr 04, 2015 4:50 pm
 
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 4074

Re: Sunglasses $6 to $200

LL bean has very good polarized sunglasses for $50. I have never seen $20 sunglasses that are any good. Might protect your eyes but have too much distortion for my tastes. Some people find them to be just fine, more power to them. I have had $100 Oakleys and the LL Bean are better. My wife has $200 ...
by Rodc
Sat Apr 04, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2794

Re: Closing out my first 'snowbirding' winter

You missed a great year of skiing and ice climbing!
by Rodc
Sat Mar 28, 2015 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10535

Re: The Financial Implications of Moving in Together

BobK, Interesting. Seems to be based on rent. Just a rough rule of thumb so I should not expect too much, but wonder how well this works for young people in cheap(er) apartments when both need cars to get to and from work. That part would simply be linear in the number of people, not square root of ...
by Rodc
Sat Mar 28, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: The Financial Implications of Moving in Together

Hi singern, Best of luck to you in taking this next step! In my own marriage, my husband and I have very different views when it comes to money and we have discussed / argued / negotiated / compromised A TON when it comes to this issue. Yet we are still very happily married, and I actually think th...
by Rodc
Sat Mar 28, 2015 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: Economics of climbing the ladder - experiences requested

Whenever I read comments about how management is filled with sociopaths and management doesn't care about anyone but themselves, I'm surprised. It just hasn't been my experience at all. Maybe I've just been lucky, but I specifically look for corporate culture as a factor in deciding where to work. ...
by Rodc
Sat Mar 28, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3716

Re: The Financial Implications of Moving in Together

I have told her if she would like to go halves on the house, she is more than welcome to give half the down payment I've put in, and go in on the maintenance items poker27, A more reasonable offer would be something like, when we sell the house I get paid back the down payment plus whatever % the h...
by Rodc
Fri Mar 27, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: Rick Ferri's 30 year market forecast 2015

How accurate have Rick's previous market prognostications been? Saying that for US Large-cap stocks there is an expected annualized real return of 5% with standard deviation (of annual returns) 19%, is saying that there is a 95% chance that after 30 years the annualized real returns are between -2%...
by Rodc
Fri Mar 27, 2015 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 13584

Re: The Capitalism Distribution

I think this is one of the best arguments (besides the low cost thing) for owning a broad index fund like total stock market. From the article: 39% of stocks had a negative lifetime total return (2 out of every 5 stocks are a money losing investment) 18.5% of stocks lost at least 75% of their value...
by Rodc
Fri Mar 27, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Capitalism Distribution
Replies: 5
Views: 893

Re: The Financial Implications of Moving in Together

RM:

He wrote:
We bought a house a few years ago


So I don't think this has been going on for seven years.

Otherwise we are in complete agreement.
by Rodc
Fri Mar 27, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: The Financial Implications of Moving in Together

It has only been "a few" years, but the issues remain and grow year by year. The lack of equity, the power imbalance, etc are something I would not put up with or impose on my girlfriend. I can see this could work for some and for them "good for them", just not me, and apparentl...
by Rodc
Fri Mar 27, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: Economics of climbing the ladder - experiences requested

jebmke wrote:The higher you go in an organization the more likely you will work directly with or for jerks and sociopaths. It adds to the stress but it does develop your interpersonal skills.

In my case, there was a lot of relocation.


That should mean that if you want you can also be a jerk or a sociopath.
by Rodc
Fri Mar 27, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3716

Re: The Financial Implications of Moving in Together

I moved in with my GF after 6 ish months of dating, and weve been living together for 7 years now. We never had a hard rule of who pays for what. I have generally made more money, so I would pay a bit more bill wise. We bought a house a few years ago (its in my name, I put the downpayment down) and...
by Rodc
Fri Mar 27, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: The Financial Implications of Moving in Together

I moved in with my GF after 6 ish months of dating, and weve been living together for 7 years now. We never had a hard rule of who pays for what. I have generally made more money, so I would pay a bit more bill wise. We bought a house a few years ago (its in my name, I put the downpayment down) and...
by Rodc
Fri Mar 27, 2015 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: The Financial Implications of Moving in Together

I don't want to be some budget tyrant, I worry about money. I know what its like not to have it. You are ahead of the game. Most folks have at least some weirdness or not entirely logical relationship with money. If you recognize it and why you can constructively discuss and deal with it with your ...
by Rodc
Fri Mar 27, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: What was your costliest investment mistake?

Goofing off in grad school cost me two or three years of income and a two or three years delayed start in investing. But I had some really good times climbing, backpacking, skiing, all of which skills I still use so not at all a complete waste. And I'll be FI by age 60, so not the end of the world. ...
by Rodc
Fri Mar 27, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13381

Re: Mortgage Debt in Retirement?

Most fundamentally, can you with great confidence generate the income you need to live the life you want to live? If you can the mortgage or no mortgage is not so important. Most critically, do you have the right sized (value) house? This really is independent of a mortgage or not. If too much is ti...
by Rodc
Fri Mar 27, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 5161

Re: Best portable mattress/bed?

Someone gave us an Aerobed. Might be 10 years old. Works well. May someday leak. Only used a few times. Also have inexpensive 6 inch air mattresses from Target we use for car camping. Need to buy a pump separately. Far cheaper. Pretty comfortable, about same as Aerobed, but you have to be ok getting...
by Rodc
Fri Mar 27, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 957

Re: The Financial Implications of Moving in Together

We did this a while back. We called it getting married and combined all our finances. Now, I realize a lot of people think marriage is fuddy-duddy, and I'm trying not to be judgmental. But here's what I would do. I would first decide what you are. If you are "married" then combine everyth...
by Rodc
Fri Mar 27, 2015 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3113

Re: Where do I learn how much one SHOULD spend on a home?

Why do you want to buy a house? I own a house and it has turned out to be a great thing for me personally and for my family. But not everyone should have a house and this is all the more true for someone young and single. Might be a great idea or might be a bad idea or somewhere in between. And that...
by Rodc
Sat Mar 21, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5268

Re: What Age Did You First Ponder Financial Independence?

To be honest thinking in terms of "financial independence" came extremely late in strict terms. I understood the basic idea of having a source of income without working to fund retirement very early as I had elderly relatives that were retired. The two are of course related in that one all...
by Rodc
Sat Mar 21, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 7097

Re: What Age Did You First Ponder Financial Independence?

I remember being about 3-5 years old - just learning what a bank account was - and asking my parents "Couldn't you just save and save and live off the interest?" It seemed so obvious .. Yeah, I think I was two and a half, but was thinking more in terms of mutual funds. Of course it was an...
by Rodc
Sat Mar 21, 2015 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 7097

Re: Children's Swingset

our neighbors have a big swinset and 4 kids. Rarely see them playing with it. Despites DW pleas that we need a play set, we did not get one, rather we go to the "muddy pond" to look for golf balls, go to the nearby school and use the playground there, joined the Childrens' Museum and loca...
by Rodc
Sat Mar 21, 2015 8:31 am
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2665

Re: Children's Swingset

Might get used for a few years. Ours got a lot of use, until maybe age 10? Don't remember exactly. Got our play structure at Costco for a whole lot less than the name brand ones. Now to be sure it did not last as long either. But we had twins and stopped so we knew we had a limited need. If you thin...
by Rodc
Sat Mar 21, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2665

Re: Poll: Do you consider mortgage payments an investment?

My objective in this poll was to see how many people decide to buy based on perceived financial gain and what their decision points were. You would have achieved that goal if you had asked that question, but I suspect now you won't. :) I did get a gain (it is now 20 some years later so easy to know...
by Rodc
Wed Mar 11, 2015 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you consider mortgage payments an investment?
Replies: 58
Views: 3858
Next

Return to advanced search