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Re: What do you splurge on?

Beer...$40 a case is average. Maple syrup...corn syrup with fake flavors is disgusting. American made pool table and air hockey table for the now finished basement, great fun for our family, my seven year old has gotten remarkably competent at shooting pool in a short period of time. Nothing like s...
by investingdad
Tue Nov 25, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9382

Re: What do you splurge on?

rai wrote:I own seven pinball machines.

Getting one is on my list for the game room, which ones do you have?

There only one that I want...World Cup Soccer, it's what I played in college.

Any advice?
by investingdad
Sun Nov 23, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9382

Re: What do you splurge on?

Beer...$40 a case is average. Maple syrup...corn syrup with fake flavors is disgusting. American made pool table and air hockey table for the now finished basement, great fun for our family, my seven year old has gotten remarkably competent at shooting pool in a short period of time. Nothing like si...
by investingdad
Sun Nov 23, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9382

Re: 75w LED bulb in a 60w socket?

My engineer brain is forcing me to point out what is probably obvious - a "75W" LED bulb is not drawing 75W of power. This is why it is OK to use it in a socket rated for 60W. The 75W rating is supposed to indicate it produces an equivalent light output to a 75 W incandescent bulb. On the...
by investingdad
Mon Nov 17, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1978

Re: Boglehead Beer

I've been into German beer lately, especially the bocks and the dunkels. Weihenstephaner and Schneider-Weisse make some great beers. Spaten is good for the price. Schlenkerla makes an awesome rauchbier! Yes, Wiehenstephaner is quite tasty, isn't it? It's the beer that converted my wife to a sort of...
by investingdad
Sat Nov 15, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 53600

Re: Dealing with pressure for "social donations" at work

Here's my question:

Does the manager in question have salary authority for the people getting the "bonus" that is paid in by the OP?
by investingdad
Fri Nov 14, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 9283

Re: Bogleheads, tell me about your 40's?

I'm 41 and we have two elementary aged kids. Very busy with soccer as both of them play. Remarkable how much I enjoy taking them to practice and games, though it makes our evenings VERY hectic. I've thought to myself many, many times as I'm walking them off the field after practice how much I'm goin...
by investingdad
Fri Nov 14, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 14100

Re: Savings rate of -2% for those under 35 - WSJ

I get the feeling that if this article had been written two decades ago, about the previous generation, that the data wouldn't be too much different except for the fact that they weren't weighed down by the same level of education debt as we are. I'm in the upper range of millenials (33) and I am b...
by investingdad
Mon Nov 10, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Savings rate of -2% for those under 35 - WSJ

I Ride on NJ transit with people in all stages of their lives. We sometimes talk the economics of living in the garden state and so many have opened up about the inability to save money due to the costs of getting by especially housing and college costs. I know so many people who don't put any mone...
by investingdad
Mon Nov 10, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I'm an engineer and I also picked up my MBA while I was still in my early 20s. I took some courses in derivatives, financial statement analysis, etc. I completed my MBA in 2000...right around the time the NASDAQ imploded, bringing everything else down with it. When I started working in the mid 90s, ...
by investingdad
Fri Oct 31, 2014 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10658

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her. I agree. I assume algebra is not being ta...
by investingdad
Thu Oct 30, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable) You j...
by investingdad
Thu Oct 30, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable)
by investingdad
Thu Oct 30, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her. Re livesoft: The answer was self evident ...
by investingdad
Thu Oct 30, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

This seems like a good problem to me -- I enjoyed doing it, and it took me a minute or so. It also seems above a second-grade level, and I'm impressed if your son is figuring it out, regardless of his methods. Without discussing policy, my understanding of common core as it relates to math is that ...
by investingdad
Thu Oct 30, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

I don't see anything wrong with her approach. If you had said, something like "It's great that you solved it!...can you come up with a way to solve it without having the list of answers?", then you might have had better success at mentoring her. (I'm using 20/20 hindsight of course.) She ...
by investingdad
Thu Oct 30, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Are the YMCA teachers actually teachers or are they minders? I don't know the backgrounds but they're clearly not certified teachers. Which is why I don't want my kids going to them for homework help. Nothing personal, they're nice enough...but if they cannot solve this sort of problem w/o working ...
by investingdad
Thu Oct 30, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Hmmm. it's been 60+ years since I was in the 4th grade, but I'd have thought an adult should be able to do that in their head in about 5 or 10 seconds. I don't know that I'd call it solving simultaneous equations. I'd call it addition, division, and multiplication. jimb As an engineer, my preferenc...
by investingdad
Thu Oct 30, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Ran into a similar scenario with my 5th Grade son. He is able to identify the correct answer based on the multiple choice selections, but cannot perform the following calculation steps: Spoiler alert!! D = 8C D + C = 63 1. 8C + C = 63 2. 9C = 63 3. C = 63/9 = 7 4. D + 7 = 63 5. D = 56 I help him wi...
by investingdad
Thu Oct 30, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

Miakis wrote:Could your daughter have solved this problem without the multiple choice answers available?


Yes, she would have figured it out, though her methods would not have been the cleanest or most elegant.
by investingdad
Thu Oct 30, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: A Little Common Core Math problem

So, your saying that your daughter would not have been able to solve the problem if it were not Multiple Choice? If so, That's not a good plan. Absolutely, I agree. Which is why I sat her down and showed her how to tackle this type of problem through the proper use of simple equations and variables...
by investingdad
Thu Oct 30, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

A Little Common Core Math problem

Ok, this math problem isn't too bad for Common Core. It came from my daughter's fourth grade math book. I'm not sure how the teacher is teaching the way to solve this type of problem, but I do know he's not a fan of Common Core in general. Anyway, let me share the problem first. Jane has two pets, a...
by investingdad
Thu Oct 30, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2706

Re: Possible Uninsured Motorist accident - UPDATE

I'd have texted, too. All you needed was the info, which you got from the text. Lots of crazy people out there. No need to engage in social contact with someone with whom you have an adversarial relationship, even if you were the who who "started it" by accidentally hitting someone else's...
by investingdad
Thu Oct 09, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident - UPDATE

Just an update on our rearend collission issue. So after getting the girl's phone number from the State Police, my wife called her and left a message. No response. We then sent a certified letter to the address listed on the insurance card she provided to us and the police (clearly her parents' add...
by investingdad
Thu Oct 09, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident - UPDATE

Just an update on our rearend collission issue. So after getting the girl's phone number from the State Police, my wife called her and left a message. No response. We then sent a certified letter to the address listed on the insurance card she provided to us and the police (clearly her parents' addr...
by investingdad
Thu Oct 09, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Get some Exercise!

Pain and weakness. I do some of my workouts at a military track with Sailors and Marines, some of them running with their "pain is weakness leaving the body" shirts. I believe in this message only to a point, we must be careful and we must pay attention on where that pain is coming from, ...
by investingdad
Fri Oct 03, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2541

Get some Exercise!

I had fallen into the trap of not getting any meaningful exercise for much of my 30s. I was never overweight (I'm average height and weigh around 156 lbs) but I knew I had gotten out of shape. I played a ton of tennis in my 20s but gave it up after enduring non-stop tendonitis in my forearm (don't i...
by investingdad
Fri Oct 03, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2541

Re: Does insulating attach'd unheated garage improve efficie

Our bathroom is above the garage and the floor gets quite cold in the winter. If it were not insulated, it would be worse for sure.

Our solution will be to put under tile heating in the bathroom when we tile the floor down the road.
by investingdad
Fri Oct 03, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1850

Re: Should I buy this house

OP...The most important thing to consider is this: ...the advice you are getting here is from people that are not starry eyed over large salaries. Some have them, some don't. Many have managed to build up large portfolios despite not sniffing the income you and your spouse are enjoying, making big s...
by investingdad
Thu Oct 02, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house
Replies: 37
Views: 2226

Re: Possible Uninsured Motorist accident

First off this has happened to me a few times over many years. The uninsured driver gets away with this all the time. If it was a large amount of damage, they just file bankruptcy. But if there is some bodily injury there on the hook until restitution is paid. That means no drivers license for life...
by investingdad
Thu Oct 02, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

Just to put this to rest...I asked if non-insured or under-insured coverage is available for physical damage. It is NOT in PA per my insurance provider (Erie Insurance Exchange). It's only availabe for bodily injury. Otherwise it falls to Collision less deductible. Perhaps there was at one time and ...
by investingdad
Thu Oct 02, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

Aside from all the other good advice on here, I would notify PENDOT and the PA State Police that this person is driving without the state mandated insurance. I am pretty sure they will pull the operator's license. When my wife called the State Police to ger the other driver's phone number she told ...
by investingdad
Thu Oct 02, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

I think at this point we need to either lower the deductible on Collission or add the Property Damage for under/un insured motorist coverage. The other driver, if they really did give false information to us and were not insured, also gave it to the State Police who responded. Yes, I'm familiar with...
by investingdad
Thu Oct 02, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

Our policy includes coverage for uninsured and underinsured motorist BODILY injury. Since we do not have (and I'm not even sure it's an option in PA) coverage for physical damage to the car due to under or uninsured motorists, the collision deductible applies. This means if we have a problem, we're ...
by investingdad
Thu Oct 02, 2014 6:38 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

I'm in PA. I think it's bodily injury only, not vehicle damage. Even though we have uninsured motorist coverage, the insurance company has told me that with a $1000 deductible they will ONLY go after the other motorist if it's significantly more than $1000. My guess is that the damage (rear bumper) ...
by investingdad
Wed Oct 01, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Possible Uninsured Motorist accident

In this case the insurance company is going to be of little help. With a $1000 deductible, unless the total damage is more than perhaps $2000...they likely won't go after the person. I need to get an estimate, but I'm guessing the damage won't be much over the deductible. I'm going to have to go thi...
by investingdad
Wed Oct 01, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Possible Uninsured Motorist accident - UPDATE

I'd appreciate some guidance on first steps on an incident involving my wife. She was stopped in traffic and rear-ended by another driver. Damage was minor at first glance but we know how expensive these repairs become. Anyway, my wife called the police, police showed up, and she was given a copy of...
by investingdad
Wed Oct 01, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3619

Re: Would you pay for these upgrades in a new construction h

I didn't. I upgraded the stuff myself, it's not hard and it cost less. Replacing faucet fixtures is pretty simple. Really.

The only upgrades we paid for to were things that would cost more later because of demo work involved.
by investingdad
Fri Sep 26, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for these upgrades in a new construction house
Replies: 17
Views: 1393

Re: Experience with dealer finding the exact car you want?

Mazda mx-5 Miata with power-retractable top...in red with auto transmission... With the upcoming new generation recently introduced, I would think you should have some leverage. Also, why not used? Any other color you would be amenable to? That explains it. I have a Miata and they are not common as...
by investingdad
Fri Sep 12, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Experience with dealer finding the exact car you want?
Replies: 26
Views: 1818

Re: Tennis Role Reversal

So I'm really sore today, especially the shoulder since I haven't served that much in a long time. The 17 year old and I split sets, I took the first (after being up 4-1 and allowing it to go 7-5) and then dropped the second 6-7. We had to postpone the third due to darkness so it remains on hold for...
by investingdad
Fri Sep 12, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1331

Re: Which 4 door with 250+ hp

I have a 2013 Nissan Maxima. It's a V6 with 290 HP. The accelleration is very nice but it's front wheel drive and you get a lot of torque steer. It has a CVT transmission so there's no shifting feel from the automatic transmission. I've been a lifelong stick shift guy and find the CVT coupled with a...
by investingdad
Tue Sep 09, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8494

Re: Tennis Role Reversal

You know what the coolest part is of being in a tennis leauge at my age? Our fridge door is now covered with my son's soccer league schedule, my daughter's soccer league schedule, and my tennis league schedule. You can't even see the door anymore. :happy My wife has the role of family coordinator.
by investingdad
Mon Sep 08, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1331

Tennis Role Reversal

I think I may have posted on here a little while back that I started playing tennis again. I started as kid, played in high school, played during my 20s at the club level, didn't pick up the racquet at all in my 30s due to injury and intense dislike of the game, and just started again at age 40. I p...
by investingdad
Mon Sep 08, 2014 6:53 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1331

Re: Salary Info double standard?

Obviously there are a lot of strong feelings here. And I understand the position of the employer. I'm simply relaying my annoyance. I went through a fair bit of effort filling out the information they requested (multiple screens), answered the questions about experience matching, and the last thing ...
by investingdad
Fri Sep 05, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4295

Re: Salary Info double standard?

Maybe I should list 'Boglehead' on my resume... :D

One would think that a fellow Boglehead would recognize the value of hiring a person for whom typical financial strains may not apply.
by investingdad
Fri Sep 05, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4295

Re: Salary Info double standard?

If the most I can pay is X for certain position why waste my time and yours talking to you if you require 2X. ..... If you are outside this range - and I know I can find excellent talent inside my range - I don't want to waste your time. Well then, if you're serious about not wanting to waste anyon...
by investingdad
Fri Sep 05, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4295

Salary Info double standard?

I've been casually perusing job openings in my area, nothing too serious but keeping an eye out. I found something that looked interesting and decided to at least toss out my resume to see if the company wanted to chat. For reference, this is a mid-career engineering role with a division of a very w...
by investingdad
Fri Sep 05, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4295

Re: If you had an extra $100,000

I'd probably burn through 20K on trivial items that my wife and I would like to have but don't currently have budgeted.

The other 80K would go into regular taxable investments.
by investingdad
Fri Aug 29, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7552

Re: Hit a financial milestone at an age milestone

I must say I hadn't quite expected the last batch of replies which include a bit of skepticism. Feel free to believe or not believe any of it. Keep in mind that while everyone here is working hard to practice the Boglehead philosophy, far fewer actually employed this philosophy in their 20s or comi...
by investingdad
Thu Aug 28, 2014 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5206

Re: Hit a financial milestone at an age milestone

I was scratching my head at first, but after the OP's long clarifying post, it all adds up just fine for me. I guessed there was a real estate factor and he confirmed that. By his own admission he got lucky on that one and has realized the potential of significant gains...but to really capture that ...
by investingdad
Wed Aug 27, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5206
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