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Re: Baby carrier on flight

Agreed. We have an Ergo and haven't had any issues. We stowed the carrier during the flight to save seat space. US Airways insisted that we use their provided lap belt during take-off and landing.
by charley
Mon Nov 24, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Baby carrier on flight
Replies: 5
Views: 619

Re: Kitchen Cabinets

I'll echo the recommendations for Ikea cabinets. I remodeled our kitchen two years ago and I'm still satisfied with our decision. They have a good warranty, excellent hardware, and very flexible design options for the price. Blum makes several cabinet organizers and pull-out shelves that greatly enh...
by charley
Tue Nov 04, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 11
Views: 1451

Re: Smartphone plans and MMS

Thanks, Browser and Quickfoot - the specifics about how SMS and MMS work on a smartphone are critical details I was confused about. I use Voice + Hangouts and use ~10MB/month on my smart phone because I'm on Wifi 99% of the time I'm using my phone (work, home, parents), and I blocked most of the bac...
by charley
Tue Oct 14, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: Smartphone plans and MMS
Replies: 11
Views: 1009

Smartphone plans and MMS

We're thinking of buying a smartphone to use with an MNVO. We currently use Pageplus with old phones, so I'm familiar and comfortable with the pay-as-you-go system. My wife is happy with her old phone, but it would be nice for her to have a camera for capturing photos. She uses our tablet to take qu...
by charley
Mon Oct 13, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone plans and MMS
Replies: 11
Views: 1009

Re: Oldest age to start medical school?

Thanks for all of the thoughtful, honest replies. I was hoping to put the nail in the coffin on the idea of pursuing medicine, and the replies to this thread have helped me to that. My MD/PhD friend is very encouraging about becoming a physician, and it's helpful to read some counterarguments to his...
by charley
Mon Aug 11, 2014 6:25 am
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5742

Oldest age to start medical school?

There seem to be a lot of physicians on this forum. Are there any doctors who didn’t go to medical school soon after undergrad (0-3 years out)? At what age does going to medical school become impractical (from a Boglehead’s perspective)? A bit of context: I’m 30 and work in pharmaceutical R&D. I...
by charley
Fri Aug 08, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5742

Re: Teacher Considering Career Change

Have you thought about Teach for America? My wife went through the program, and they boast about their alumni network and diverse opportunities available for alumni. While you're unlikely to end up in an idea teaching situation, they do offer a lot of support to corp members.
by charley
Thu Jul 17, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 4025

Re: Car did not start: To dispose? How?

1. I am a member of AAA but have not used them for over 20 years. Do they provide assistance at home, or only on the road? They will tow from your home. My parents have done this. 2. Can AAA diagnose the problem, or they only do towing? I think this is tow-truck dependent. They will probably check ...
by charley
Mon Jul 07, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 6281

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

I would take a look at Ikea. They are rebadged Whirlpool appliances and come with a 5 year warranty. They offer higher end stainless. We reused most of our appliances, but went with an Ikea dishwasher and haven't had any problems. They also have a kitchen sale twice a year with 20% off after you spe...
by charley
Fri Jul 04, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 49
Views: 4415

Re: Home purchase, possible asbestos.

Total BS. As I mentioned above, abatement in our house cost $3200. This is really not a big deal and there are plenty of abatement companies that can remove this stuff pretty easily. We decided to have it abated for the following reasons: 1. Piling additional insulation on top of the Vermiculite wo...
by charley
Tue May 27, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Home purchase, possible asbestos.
Replies: 13
Views: 1146

Re: Home purchase, possible asbestos.

Thanks for the reality check. Rationally, remediation should be sufficient, but I guess I had an initial gut reaction to the asbestos. A few other issues turned up during the inspection and it looks like they will have a larger impact on the deal.
by charley
Sat May 24, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Home purchase, possible asbestos.
Replies: 13
Views: 1146

Home purchase, possible asbestos.

We're in the process of buying a home. It's a 1930's colonial with a finished attic. After doing some research on what I observed inside the knee walls, it appears that the attic floor contains vermiculite insulation. Because 70% of vermiculite was sourced from an asbestos containing mine in Libby, ...
by charley
Fri May 23, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Home purchase, possible asbestos.
Replies: 13
Views: 1146

Re: Best place to buy bike parts

Unfortunately I'm on the other side of the state, but that place look's great.
by charley
Thu Mar 06, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1732

Re: Best place to buy bike parts

You bought the name when you went with Campy. Now you are going to die with them to keep your grupo. I don't know what that second sentence means. It was my first road bike and a closeout from the previous season. I've been happy with the performance, and will probably lean toward some of the cheap...
by charley
Thu Mar 06, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1732

Re: Best place to buy bike parts

http://www.yellowjersey.org/ http://www.loosescrews.com/ I really like the guys at yellowjersey. I've been in email contact with them and they're very helpful. Thanks for the suggestion. Moreover, going from double to triple means that you will have to swap out your shifters, cranks, derailleurs......
by charley
Sat Feb 22, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1732

Re: Best place to buy bike parts

I suggest biting the bullet and buying new.


I would, but it's not easy find NOS parts. I've started looking at used parts because that's what seems to be available. I might end up trying the compact crank since I won't have to replace the derailleurs and I could buy a new one relatively cheaply.
by charley
Fri Feb 21, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1732

Best place to buy bike parts

I know there are a few cyclists on this forum, so perhaps you can help me. I have a 9-speed Campagnolo double on my road bike (53/39 with 12-23 cassette). I injured my knee and hip and need to reduce the gearing significantly. I could go to a compact double (50/34) and a larger cassette, but I've re...
by charley
Fri Feb 21, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1732

Re: 2014 Jeep Cherokee - buy one?

If reliability is of utmost importance, I would limit the selection to Toyota or Honda. You make some compromises for this reliability though:higher price relative to some American brands and lower ground clearance compared to Subaru or Jeep. If you consider Subaru, I encourage you to research their...
by charley
Fri Feb 14, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Jeep Cherokee - buy one?
Replies: 32
Views: 2365

Re: Floor jacks

The Arcan jacks are good ones for the money. You will not be disapointed. That second endorsement (Ryan_in_chi as well) for Arcan on this board, and adds to the other positive things I've read. Costco carries an Arcan model, and their customer service/return policy add a lot of value to this purcha...
by charley
Thu Feb 06, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1985

Re: Floor jacks

Thanks for all the replies. I'm glad to hear more positive reviews about import jacks. I've read good things about HF and Arcan; with a HF coupon their jacks are a steal. I feel bad getting rid of a classic tool, but the old Walker jack only has a 1.5 ton capacity and rebuilding it myself (which isn...
by charley
Wed Feb 05, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1985

Floor jacks

To the DIY car maintenance crowd, what are your recommendations for floor jacks. I do most of my own car repairs and maintenance, and have made do with a 2-ton trolley jack with a 2 ft handle. I was gifted this jack, but it's leaking and not worth repairing. I just got an older Walker jack (model J-...
by charley
Tue Feb 04, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1985

Re: Most Efficient Way to Heat a Home

The most efficient way to heat a home is certainly passive solar. In Mass. that would not be sufficient. Next would be a geothermal heat pump. Air-to-air is not good enough in Mass. Air-to-air can work in Massachusetts, but it requires a sufficiently tight and well-insulated house. The link below i...
by charley
Wed Jan 29, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5675

Re: Most Efficient Way to Heat a Home

OP, I noticed that you live in Massachusetts. If you are served by National Grid, you might consider parts of a deep energy retrofit: https://www1.nationalgridus.com/DeepEnergyRetrofit-MA-RES?ng=us It's a holistic approach to energy reduction, and can make sense if you have other home maintenance on...
by charley
Tue Jan 28, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5675

Re: Careers you've enjoyed

I worked in the chemistry field, pilot plant engineering, plant engineering, R&D and now in Finance. Without a doubt, R&D was the most enjoyable field that I have been in. Finance, although the most lucrative, is a corporate position and that says it all. RM I work in chemistry R&D and ...
by charley
Fri Jan 24, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 3897

Re: Churning credit cards for air miles, need help

Sorry, one more question. If you need 60,000 points to get a roundtrip to Europe for example and you have 50,000 at the particular airline you are flying and 10,000 on a credit card, can you combine these points for the trip? Or are these separate? I think it depends. Some credit card points are tr...
by charley
Sun Jan 19, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 3218

Re: Churning credit cards for air miles, need help

A second recommendation to check out pointsguy. As previously mentioned, the signup bonus generally gives the highest dollar/point ratio. Depending on your level of dedication, you can also look into signing up for a Bluebird account. It's a prepaid checking/credit program from Amex. You can buys re...
by charley
Sun Jan 19, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 3218

Re: Tips for buying a $2,000 car

You might also take a look at older Lexus or Acura models. I bought a mid-90's sedan in your price range from my mechanic. It was a single-owner car (until the mechanic bought it) with a full set of dealer service records. You get the Totyota/Honda reliability, but because the cars are so old, you d...
by charley
Wed Dec 11, 2013 7:29 am
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2508

Re: New Investor, Wait for the Debt Limit?

If you're worried about buying high or at an inopportune time, you can dollar-cost-average into your desired assets. It would be ideal to hold off until "the lowest point" but no one can know when that will be. There are quite a few threads on lump-sum versus dollar-cost-average (DCA) inve...
by charley
Tue Oct 08, 2013 11:40 am
 
Forum: Investing - Theory, News & General
Topic: New Investor, Wait for the Debt Limit?
Replies: 7
Views: 927

Re: Overweighting Small Caps in TSM??

What is the logic for small cap value over small cap blend ("small cap index")? There's some wiggle in these assertions, but it goes something like this. Small cap value appears to reward based appropriately for its risk factors - small and value. Small growth on the other hand, appears t...
by charley
Thu Sep 19, 2013 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting Small Caps in TSM??
Replies: 22
Views: 1401

Re: Overweighting Small Caps in TSM??

You can search the forum for extensive discussions of this topic. Bogleheads tend to be split on the equity issue, with some preferring TSM and others preferring a small/value tilt. I think there's generally a small value tilt, as SV has had periods of outperforming TSM, and small growth (which woul...
by charley
Thu Sep 19, 2013 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting Small Caps in TSM??
Replies: 22
Views: 1401

Re: dieting and investing have a lot in common

Thanks for sharing. I like this analogy, especially considering that nutrition and investing are long-term propositions best evaluated over long periods of time.
by charley
Thu Sep 05, 2013 10:55 am
 
Forum: Investing - Theory, News & General
Topic: dieting and investing have a lot in common
Replies: 1
Views: 336

Re: Moving into TIAA Traditional

Thanks for all the replies.

The Wizard wrote:You can also use TREA (their Real Estate Account) as part of your non-stock allocation, but you need to keep an eye on it...


I've been reading up on this as well and hope to incorporate it when I better understand it.
by charley
Wed Aug 28, 2013 6:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving into TIAA Traditional
Replies: 24
Views: 1871

Moving into TIAA Traditional

About 8% of our portfolio is in my wife's 403b, specifically in a TIAA-CREF stock index fund (0.32 er). We're 80/20 stocks/bonds and have no trouble with keeping this allocation or placing things in tax-advantage space. Given the relatively poor performance of bonds, I'm considering replacing our in...
by charley
Tue Aug 27, 2013 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving into TIAA Traditional
Replies: 24
Views: 1871

Re: teaching kids about money

My wife turned me on to this website, and while we haven't had a chance to put it into practice yet (kid too young), I like the site. They give some practical ideas to talk about money and some benchmarks for different ages.

http://moneyasyougrow.org/
by charley
Wed Jul 31, 2013 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: teaching kids about money
Replies: 29
Views: 1858

Re: Timing Belt Change - Months or Miles if car is old?

Is it an interference or non-interference engine? If it's an interference engine and the timing belt breaks, the pistons likely hit the valves and you'll need to rebuild the engine. If it's a non-interference engine and the timing belt breaks, you need a tow truck and a new timing belt. With an inte...
by charley
Fri Jul 12, 2013 8:18 am
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 8833

Re: Thermopen

There's also the handheld version for a few dollars less ($73 for unit and probe). It's basically the same price as a sale thermapen, but the probe is easily replaceable and interchangeable if you'd like to add a cord-mounted probe to monitored roasts, etc. It's less ergonomic than a thermapen, but ...
by charley
Tue Jul 09, 2013 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Thermapen [Cooking thermometer]
Replies: 28
Views: 2944

Re: Cost comparisons

Thanks for the replies. I guess it's not really worth it when you factor in time and effort. There are some items that are much cheaper at one store (Costco milk, Trader Joes cheese), but I suspect I don't really need a list for the more obvious ones. I might look into the price book though. It coul...
by charley
Sat Jun 08, 2013 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost comparisons
Replies: 7
Views: 650

Cost comparisons

I wonder if anyone has a convenient way to keep track of prices for ordinary consumables. I have a rough idea of what things should cost, but I often find myself asking if it's better to buy something from Store A, Amazon, etc. I've thought of creating an excel sheet with commonly purchased items, i...
by charley
Fri Jun 07, 2013 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost comparisons
Replies: 7
Views: 650

Re: If you were making a PF presentation for young professio

Speaking as a member of your target age-group, I'd include a list of good websites to learn more (a reference section perhaps). I imagine a situation something like this: -Listen to presentation, realize I should think about this 401k thing. -Walk away talk to colleagues about it. -Hear someone say ...
by charley
Fri Jun 07, 2013 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you were making a PF presentation for young professionals
Replies: 30
Views: 2322

Re: Paying off mortgage question

We also have ~330k in tax advantage retirement accounts and are able to put close to the max into 401k's and Roth IRA's. Paying off all this debt would wipe out our emergency fund, but having an extra $1600 would allow us to easily build it back up and then continue to save even more. This is a per...
by charley
Wed Jun 05, 2013 7:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage question
Replies: 21
Views: 1555

Re: Life Insurance

Use term calc at yahoo, excellent tool I used when determining needs. This calculator is great. All the fields are on one page and the clearly explained. I'm sold on the 30 year argument. My initial hesitation was being slightly overinsured early on, but we strongly desire to have three kids. I've ...
by charley
Mon Apr 08, 2013 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1024

Re: Life Insurance

Great points, Grt2bOutdoors. Thanks again for your thoughts.
by charley
Mon Apr 08, 2013 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1024

Re: Life Insurance

Thanks for the input. I would not count on the employer provided life insurance unless you know that if you switch jobs you'll be able to keep it (plus I'd be surprised if it's cheaper than what you can get on your own individually rated policy if you are young and healthy). I've thought about this ...
by charley
Mon Apr 08, 2013 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1024

Life Insurance

My wife and I are expecting out first child this summer. We're getting ready to purchase term policies, and I'd like to gather opinions from the good folks here. We're in our late 20's, and in good health. We plan to have 3 kids. My wife will be taking a long break from her job to be a stay at home ...
by charley
Mon Apr 08, 2013 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 1024

Re: New Kitchen Range suggestions

I heard it's better to have gas stove-top, electric oven. Electric heating can be more even, and because it doesn't rely on combustion, provides a drier heat. That said, if you don't bake very much, or are satisfied with the results from your gas oven, you might not notice an advantage. Also, you m...
by charley
Thu Apr 04, 2013 9:29 am
 
Forum: Personal Consumer Issues
Topic: New Kitchen Range suggestions
Replies: 6
Views: 630

Re: What Type Of Wallet Do You Prefer?

I got a Slim Clip as a gift a few years ago and I really like it. It holds cards on one side and cash on the other. I tried the paperclip for a while, but I always seemed to be fiddling with separating cash from credit cards.
by charley
Wed Mar 13, 2013 10:13 am
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 9010

Re: Thanks again

Thanks again for all the information! Bogleheads really are a wonderful resource. Assuming all my application stuff goes well, I will start some pre-reg's this summer,with A&P 1 and 2 coming first. After that, I will assess what classes to take next. Am leaning towards the BSN program here loca...
by charley
Sun Mar 10, 2013 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Change - RN-NP vs. PA
Replies: 26
Views: 4328

Re: Air compressor

I have a stationary 220V unit because I run wrenches and grinders as well as nail guns. How big of a unit do you have? Do you have a separate portable unit? I've considered getting a large unit to run impact guns for the cars, and maybe just running longer hoses to reach the rest of the house on th...
by charley
Sun Feb 24, 2013 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 867

Re: Air compressor

It really depends on the intended use. If really going to use it just for trim nailers, an oilless pancake compressor should serve you well. They often come in kits with a finish nailer, brad nailer, compressor, and hose. I used one of these to complete a significant amount of finish work in my hous...
by charley
Sun Feb 24, 2013 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 867

Re: Pharma career change - anyone have experience

I appreciate all the thoughtful responses. The main thing about career change is to try to get experience in the target area... I agree that this is very important. I'm fortunate to have a department supportive of exploring other roles within the company, and I hope to take advantage of that. Lwfitz...
by charley
Mon Feb 18, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1768
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