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Re: Buy home in area with only good PK-8 public schools?

I live in downtown Chicago, just moved to Oak Park. Good schools are overcrowded. My daughter's K class has 39 kids to one teacher. I had to keep protesting that they get an aide ASAP. They did by the end of the September. They said they want to wait for CPS to give them money. But all the budgets ...
by davebo
Fri Mar 06, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Buy home in area with only good PK-8 public schools?

What do you mean low income in single digits? The tribune has a scorecard that shows the % of low income kids feeding into a school. When the % is low, I think you can feel comfortable picking anyplace to live in the town; if it's a higher % then you need to pick your spots. There are some areas th...
by davebo
Fri Mar 06, 2015 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Who's going to Disney this summer?

I lived in NJ for 5 years before moving to Florida this year. I heard none of these kind of comments in either place. Ages 3 and 0 are terrible ages to go to Disney in my opinion. 6+ for any sort of real enjoyment in my opinion. As for the earlier comment about him insisting about Disney..What is w...
by davebo
Fri Mar 06, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 76
Views: 4173

Re: Washing Dress Shirts

I take them to the dry cleaners so I don't have to mess around with ironing them after the fact. I also don't dry clean them after every wear (I don't think you're supposed to admit that out loud)
by davebo
Fri Mar 06, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 32
Views: 1354

Re: Buy home in area with only good PK-8 public schools?

Isn't IL changing their test this year? Test results tend to depend a lot on the test itself. If the EL test is too hard, then students are being tested more on how they come in than how much they've learned. If the HS test is too easy, then a lot of schools score well and the results have less mea...
by davebo
Thu Mar 05, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Buy home in area with only good PK-8 public schools?

My wife likes LaGrange etc. I don't mind them but I don't think you can walk to any of the train stations? That would save us from buying a second car. Some suburbs have that option but I bet those would be coveted locations. Yes, Lagrange definitely has very walkable homes around tracks. That's on...
by davebo
Thu Mar 05, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Buy home in area with only good PK-8 public schools?

Yes, you have a good point. Ironically, we pay around $18K per year for her daycare. By the time she starts kindergarten, we would have spent $18K a year for 4 years, the same cost as a private school per year. Yeah, I believe it. I have a friend that moved into Hoffman Estates (which happened to f...
by davebo
Thu Mar 05, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Buy home in area with only good PK-8 public schools?

Personally, I wouldn't like the idea of moving into a house where you think you might need to a) Move before HS b) Send your kids to a private school. Catholic HS, for example, are very expensive and getting pricier. In Chicago, they are are probably around $14K/year to send your kid there..who know...
by davebo
Wed Mar 04, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 37
Views: 1928

Re: Proactively replace water heater?

According to my home inspector when I moved in, he said my water heater was on its last legs and I should "keep an eye on it". Then I installed a new HVAC system and asked the guy to take a look and he said the same thing. I then had a humidifier installed and the guy said the same thing. ...
by davebo
Wed Mar 04, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 23
Views: 1535

Re: Wife tired of saving...

Personally, I don’t blame her for wanting to live in a house (as opposed to a townhouse) when you have kids. This is assuming her reasons are “I want our own yard, I want more space, etc”. You’re saying your taxes are $6900 and you worry about them being $15-$20K, but is there nothing with $10-$12K ...
by davebo
Wed Mar 04, 2015 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 160
Views: 12159

Re: Rich dad, poor dad

I first read this book maybe in 2000 or so and I assumed the rich dad/poor dad story was just made up (kinda like "The Wealthy Barber"..also popular around that time) as a way to teach the material. Around 2006 I re-read the story after a lot of people started recommending it...I would nev...
by davebo
Wed Mar 04, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 3788

Re: Any ever do a small addition on their house?

Is the basement climate controlled? To be honest I'd set your oldest son up in an informal bedroom downstairs when he turns about 13 (spend a few thousand, don't replace windows or anything major like that). That will give him his own space. A generation of sons who grew up in the 60s and 70s livin...
by davebo
Wed Mar 04, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: Any ever do a small addition on their house?

You seem to have a surplus of living areas - family room, living room, basement. Some reorganization might avoid the need for any construction. That's what is a little bit of a conundrum with the house; I know we have extra SF but there's no easy place to pull it from. The prior homeowner did the s...
by davebo
Wed Mar 04, 2015 7:57 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: Any ever do a small addition on their house?

You seem to have a surplus of living areas - family room, living room, basement. Some reorganization might avoid the need for any construction. That's what is a little bit of a conundrum with the house; I know we have extra SF but there's no easy place to pull it from. The prior homeowner did the s...
by davebo
Wed Mar 04, 2015 12:09 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: Any ever do a small addition on their house?

I've thought about it with kids, but this is how I see it. If I did an addition now while my kids are young/unborn, my house will be awesome for 18ish years until they move out. After that, I'm stuck cleaning rooms I never use. Or I can live with the size for 18ish years being kinda tight, then the...
by davebo
Tue Mar 03, 2015 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: Any ever do a small addition on their house?

Do you actually need 4 bedrooms? How many kids do you have and what are their genders? We have 3 kids....a 6 year old boy and then 4-year old boy/girl twins. The boys share a room (bunk beds) and my daughter has her own room. All the rooms are small so I say we MIGHT need a 4th bedroom because the ...
by davebo
Tue Mar 03, 2015 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: What are Costco's best deals?

Wow, I am impressed with small households who find they can use the Costco items effectively. The only individually packaged foods I saw there were snack bars and the like (don't eat those) and individually frozen fish filets and similar (which might work if I had the freezer room and didn't care t...
by davebo
Tue Mar 03, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 179
Views: 13762

Any ever do a small addition on their house?

I have a ranch home with 3 small bedrooms. Overall, we love the house and the area, but the problem with the house is the lack of bedroom space compared to the overall SF of the house. In some ways, it's great having livable SF, but in our case it's probably overkill. We have 2300 SF upstairs, of wh...
by davebo
Tue Mar 03, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 20
Views: 1285

Re: What are Costco's best deals?

Costco's prices on LED lightbulbs are insanely cheap compared to what Hardware stores are selling them for. FEIT light bulbs are probably 3x the price at other places!
by davebo
Tue Mar 03, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 179
Views: 13762

Re: Who's going to Disney this summer?

Our kids are too young to go to Disney but we will go soon. My husband insisted that Disney should be part of their memories. I am not looking forward to it. He insisted that it be part of their memories? Why? I'm sure your husband is great guy but I just don't understand the whole "you have t...
by davebo
Tue Mar 03, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 76
Views: 4173

Re: What are Costco's best deals?

My go to Costco products are: - Pretzel Bread --My son loves pretzel break, but it's pretty expensive at local stores. Costco charges like $6.00 for about 12-15 buns and they taste great. - LED LIght Bulbs --They are literally 50% of the cost of bulbs you find at the local hardware store. - Frozen F...
by davebo
Wed Feb 25, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 179
Views: 13762

Re: On line product reviews vs Consumers Reports

As someone who manufacturers products and sells them on Amazon, I would say that product owners can manage reviews on the site pretty easily. I just send out a follow-up email to all buyers 5 days after purchase and ask them to leave a review. If they aren't happy, I tell them to contact me and I'll...
by davebo
Tue Feb 24, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2610

Re: Who's going to Disney this summer?

I just came back from Disney at the end of Jan/early feb, definitely considered the low season. Disney is now crowded at all times of the year and obscenely crowded around holiday weekends. It used to be that you got Fastpasses for big ticket attractions just rode standby at the others since they we...
by davebo
Tue Feb 24, 2015 11:00 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 76
Views: 4173

Re: Aprilaire Humidifer - won't get above 22%

Just another bit of feedback, the way it is wired could make the difference. The majority of installations have the humidifier turning on only when the heat is running. Just recently I had mine changed to get a more consistent humidity level. I had the guy wire it so that the humidity control unit ...
by davebo
Mon Feb 23, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 817

Re: Aprilaire Humidifer - won't get above 22%

I hit submit before i was done, but I always get the impression that most people don't really know if the humidifier is really working..they just flip it on. I also get the impression that the installers basically just check to see if water is going through the filter and that's really all they can ...
by davebo
Mon Feb 23, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 817

Re: Aprilaire Humidifer - won't get above 22%

I have an Aprilaire humidifier as well and I wonder about this stuff as well. It's around 3 degrees here right now and my humidity is at 23% or so. I actually just have a little guage upstairs and do not look at the unit itself to tell me the humidity. I guess a few things might be worth checking in...
by davebo
Mon Feb 23, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 817

Re: What is your favorite consumer product?

1) Electric Toothbrush
2) Goldfish Crackers (bought them for the kids, kept buying them for me!)
3) Goldtoe socks
4) Basement Watchdog Water Alarms
5) Merrill Shoes
6) Apple TV
7) Nutrininja Blender
by davebo
Fri Feb 20, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9977

Re: electric toothbrush

I think I have an Oral B at home. If memory serves me right, I used to have a sonicare at home but I didn't like how the neck of the brush (not sure how else to say it) was much harder than a typical toothbrush so it would clank against my teeth. I think it does help, although hard to say. How can i...
by davebo
Fri Feb 20, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2209

Re: The 8x retirement savings rule

I have to chuckle a little at the posters that think it is so simple to know your expenses and plan for them years in advance. I did not know until a couple of months ago that my health insurance costs would increase by $4,080 this year and that we would lose another $5,000 because we can no longer...
by davebo
Fri Feb 20, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7797

Re: Paperless Office?

Awesome stuff here. I checked out Backblaze for backup. 1 question I have... If I put the documents on an external hard drive and delete it from my computer will Backblaze delete the document after 30 days if I continue to back up the HD along with my computer? I am hoping to use the HD as extra st...
by davebo
Mon Feb 09, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3150

Re: Paperless Office?

I have the Fujitsu Scansnap and use it with Evernote to keep everything organized. I wouldn't say that I'm totally there, but it's helped me to purge a lot of the stuff that I used to keep around.
by davebo
Sun Feb 08, 2015 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3150

Re: Which light bulbs are best bang for the buck?

I tested a number of LED bulbs (including the CREE and the FEIT that is sold at AceHardware). The best bulb (and cheapest) were the FEIT bulbs that were sold at Costco. I'm pretty close to a full month with these new bulbs so I'm curious to see the cost savings.
by davebo
Sun Feb 08, 2015 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3482

Re: What age did you hit $100,000?

I was about 29 when I hit $100K and it was a very hard number to hit due to all the life events.....wedding, first house, first baby, etc.
by davebo
Thu Jan 22, 2015 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6049

Re: Saving vs Living

Hello forum! I've been spending most of my time lurking in the Personal Investing forums, but now have started looking in here. My biggest issue right now is that I want to fund my retirement, but I feel like I'm missing out on living my life up until then. I'm 26, have a 40k/year job before taxes....
by davebo
Wed Jan 14, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4575

Re: Mice in the house

I had some mice coming up into my kitchen from the unfinished part of my basement. I didn't see any entrances from outside so I figured one just kinda found it's way in somehow. When it started to get cold, I caught about 5-6 in the kitchen before I started plugging up the ways they could get to my ...
by davebo
Tue Jan 13, 2015 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5348

Re: Is this an unreasonable quote for interior home painting

I just had my house painted last year and I had him paint the kitchen, living room, dining room, 2 bathrooms, entryway, and 3 bedrooms. In addition, he did the baseboards and trim around the doors. The total for the work was $1825 plus I paid another $300-ish for paint. All in all, probably around 1...
by davebo
Tue Jan 13, 2015 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Time for a new dentist?

I have a great, GREAT dentist that I've been going to since I was a kid. I feel like he is proactive enough to stop major problems before they start, but not so soon where I'm in there having work done all the time. No offense to dentists out there, but I kind of feel like they have all taken these...
by davebo
Tue Jan 13, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4294

Re: Time for a new dentist?

I have a great, GREAT dentist that I've been going to since I was a kid. I feel like he is proactive enough to stop major problems before they start, but not so soon where I'm in there having work done all the time. No offense to dentists out there, but I kind of feel like they have all taken these ...
by davebo
Mon Jan 12, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4294

Re: Humidifiers

We too are facing this issue. It is currently 7 outside, indoor humidity upstairs is around 18 percent while downstairs is around 22 percent. Question on whole-home systems: my furnace is 10 years old and in a tight spot, if purchased can the humidifier be used when if I need a furnace replacement?...
by davebo
Sun Jan 11, 2015 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2844

Re: Help me to understand time shares

I also know quite a few people with timeshares and they seem to love them, although there probably is some survivor bias built in there. As long as you could carve out the time and it's flexible (with points vs. a set week), they seem like an ok deal.
by davebo
Fri Jan 09, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5428

Re: Humidifiers

My son has very dry skin so we are battling this issue every winter. We have an Aprilaire whole house humidifier installed and it's done a pretty good job at keeping the humidity level pretty decent. I'm told that they only bring up the humidity so much...when it's really cold, you're not going to b...
by davebo
Thu Jan 08, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2844

Re: Would you pay for this level of (bad) service?

Significant loss? The total bill was $175 and maybe they made $50 profit on the sale. He already said that they wouldn't charge labor, but would need to charge for parts. If they ate the cost of the parts, they'd likely break even on the deal but they'd save a customer. Never had that experience to...
by davebo
Wed Jan 07, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

This is an old school hardware store and I don't think the manager even knew what I was talking about when I said I could dispute the charge. I own online business and run into disputes with my customers. I guess I just put myself in their shoes and try to assess whether they are being truthful. If...
by davebo
Tue Jan 06, 2015 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: LED Flood Light Question (CREE/FEIT/Etc)

Rather than switch to LEDs, have you looked into motion sensor switches that turn on/off automatically when someone is in the room? Seems like the LEDs are getting better/cheaper by the day and I'd hate to invest all that money into 35 bulbs given how fast they're improving. I started converting ov...
by davebo
Tue Jan 06, 2015 11:31 pm
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 18
Views: 2843

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback, so I'd say it depends on the terms of the warranty. (I also wonder if your card will do a chargeback after so long, but that's a practical problem.) I see the chargeback as an option when I view t...
by davebo
Tue Jan 06, 2015 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback, so I'd say it depends on the terms of the warranty. (I also wonder if your card will do a chargeback after so long, but that's a practical problem.) I see the chargeback as an option when I view t...
by davebo
Tue Jan 06, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback, so I'd say it depends on the terms of the warranty. (I also wonder if your card will do a chargeback after so long, but that's a practical problem.) I see the chargeback as an option when I view t...
by davebo
Tue Jan 06, 2015 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback I don't think they are honoring the warranty though. I brought the unit in to get the problem fixed and the problem wasn't fixed, so they want to charge me extra in order to fix it. If they weren't...
by davebo
Tue Jan 06, 2015 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback, so I'd say it depends on the terms of the warranty. (I also wonder if your card will do a chargeback after so long, but that's a practical problem.) I don't think they are honoring the warranty th...
by davebo
Tue Jan 06, 2015 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093

Re: Would you pay for this level of (bad) service?

I think if they're honoring the warranty I don't see the ethical justification for doing a chargeback, so I'd say it depends on the terms of the warranty. (I also wonder if your card will do a chargeback after so long, but that's a practical problem.) I see the chargeback as an option when I view t...
by davebo
Tue Jan 06, 2015 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3093
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