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Re: Lenovo vs Surface Pro 3

I got the Lenovo with the I3 processor in June. The Surface is nice, but the price difference, especially considering you have to buy the keyboard separately just wasn't going to happen. The only glitch I've had is that in "tent" mode the screen keyboard doesn't want to let me login to Win...
by sls239
Mon Nov 17, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1579

Re: Is buying organic worth it financially in the long term?

I think a good organic certification (preferably beyond the USDA) is worth it for meats because of the antibiotic issue and the "closing the circle" issue. And for now, I'm sticking with organic dairy because I think there is rampant lying about rBGH use in conventional milk production and...
by sls239
Fri Nov 14, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5835

Re: Boglehead family vacations

Spring break is actually a good time to visit the Grand Canyon weather wise or anything else in the desert you might want to see. For a cruise - there are two times when you can get the best prices - one is right when the dates become available, more than a year in advance, and the other is "la...
by sls239
Thu Nov 13, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3719

Re: 1276% toll admin fee from Dollar. 86% of rental cost

I'm not seeing what you are seeing. The road that goes smack down the middle of DFW is a toll road. The toll part, afaik, starts as soon as you get on that road, but I've only been on the north end of it. If there's some secret south entrance I don't know about, I'd love to know. Edited - apparently...
by sls239
Mon Nov 10, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7903

Re: 1276% toll admin fee from Dollar. 86% of rental cost

There is no way to leave DFW except on a toll road. A car renter at that airport has no choice. I don't know how this could possibly be "well-marked" before it is too late to do anything about it. And I'd be willing to believe that the representatives at the Dollar counter at the airport d...
by sls239
Mon Nov 10, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7903

Re: Messy baby restaurant etiquette

I did (do) small small portions. I'll start with 1 bite of something new to try. 4 bites if I already know they like it. Even messy food is manageable in such small amounts. I tend to clean a bit as I go too.
by sls239
Mon Nov 10, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4571

Re: Great camera to take pics?

We bought a Canon sx700 hs. It is small, has 30X zoom, the flash is pretty strong, and takes great pictures. For low light, you have 3 options in order of increasing price 1) a tripod with a longer exposure - good for stationary subjects 2) a camera with a hot shoe and a stand alone or add on powerf...
by sls239
Sat Nov 08, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4728

Re: When do you buy a new home computer?

On a laptop, I'd replace a battery, but buy a new on the first time another component showed signs of being unreliable. They are still improving things like power usage, weight, display, touchpads, and so forth even if raw processing needs have leveled out. My desktop is more than 8 years old and I'...
by sls239
Sat Nov 08, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4246

Re: Bond funds as a savings vehicle?

I don't use bond funds, I do use I-bonds.

Part of that is because we have a state income tax.
by sls239
Thu Nov 06, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1728

Re: Ashley Furniture

We bought a sofa and loveseat from Ashley 12 years ago. They are still OK. The fabric, a twill, has actually held up really well. The cushions however are getting somewhat uneven.
by sls239
Tue Nov 04, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3325

Re: Coupons? Do you live by them?

There are some that I get in the paper that are pretty good. There are coupons for Sonicare toothbrush heads, Alcon saline, and Lactaid that are a few bucks. But when it comes to savings, shopping the meat/seafood sale items at Whole Foods is the best bang for the buck, when compared to their regula...
by sls239
Mon Nov 03, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4049

Re: Seeking recommendations for a new dishwasher

We moved into a house with a Kitchenaid dishwasher. It is very quiet and gets the dishes clean. But the problem is that the dishes don't fit well in the dishwasher, especially the bowls. It would be fine if all our dishes were plates, but they aren't. And it has broken more dishes than my 8-year-old.
by sls239
Mon Nov 03, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 971

Re: Trick or Treating Minimum Requirements

I just fill the bowl I don't count. Then when son gets back, I'll put some of that in the bowl and "re-gift." And I don't just hand out candy - I've got bubbles, bouncy balls, tattoos, glow in the dark rings, who knows what else.
by sls239
Fri Oct 31, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 1360

Re: Apple Pay, Google Wallet, credit, and us

If Apple Pay were more prevalent, I'd be very tempted to get the Apple watch. I like the thought of not having to carry anything.
by sls239
Fri Oct 31, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8716

Re: A Little Common Core Math problem

I would expect a 4th grader at this time in the school year given this problem to probably draw a picture or array. I would not necessarily expect them to go straight to writing equations and solving for the variables. The babysitters at the Y I would expect to have a lot of math anxiety as many hav...
by sls239
Thu Oct 30, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2708

Re: The safest 4 door sedan out there

The safest 4 door sedan is the one parked in a garage.
by sls239
Wed Oct 29, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4551

Re: Arkansas Resident: Arkansas vs Utah 529

When I moved to AR I did a calculation about the tax deduction. I came up with about 7 years being the limit to how long it would take the higher expenses to eat up the tax deduction for us. But I suspect that even Utah's 529 has higher expenses than my Vanguard ESA, so YMMV. However, there is the &...
by sls239
Wed Oct 29, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Arkansas Resident: Arkansas vs Utah 529
Replies: 3
Views: 355

Re: New appliances - Stainless Steel or not?

Do you already have the appliances picked out and are just choosing the color? When we went fridge shopping, the fridge we picked was on sale but they only had it in stainless. I don't spend excessive amounts of time cleaning the outside. I just swipe horizontally instead of every which way that you...
by sls239
Wed Oct 29, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3398

Re: Most financially economical choice for a car

A 2012ish Mazda 3 hatchback.

If I had to buy today.
by sls239
Tue Oct 28, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4632

Re: Pension Early Buyout Offer

You probably need to look at how the different scenarios play out for your wife and child. Particularly what would happen if you died young. Many plans offer survivor benefits, but if you die young, then the monthly payment gets calculated as if you took the pension early, with extra penalty if the ...
by sls239
Tue Oct 28, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 1962

Re: Do you regret buying your home?

No house is perfect. So of course I have regrets that may or may not be rooted mostly in fantasy instead of reality.

But I do not in general regret buying my home.

There's no crazy lady on the first floor to burn the place down like there was in one apartment I rented.
by sls239
Thu Oct 23, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6974

Re: Why include International Index in AA?

It doesn't increase risk because plenty of international companies do a lot of business in the US. When vanguard did the analysis, it looked like you could capture most of the diversification benefit of international stocks with it just being 20% of the stock allocation. I happen to like the idea of...
by sls239
Tue Oct 21, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2830

Re: What Are We Doing To Our Young Investors?

It eliminates the illusion that what is automatically chosen will be specifically appropriate for that person. TR funds imply they are appropriate for people in that age range. Balanced fund makes no such claim. Also, if you take this fact from the article as true With growing use of automatic enrol...
by sls239
Tue Oct 21, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4193

Re: What Are We Doing To Our Young Investors?

I can agree that the automatic enrollment option should probably not be a TR fund, but rather something more like a balanced fund.

Just because these funds are marketed towards people of a certain age, that doesn't mean that they are appropriate for someone because they are that age.
by sls239
Tue Oct 21, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4193

Re: Buying a house without a realtor

Where I live, if you only went by signs, zillow, or even MLS, you'd miss the best houses. It is rare to see a "for sale" sign without the "sold" part on top. The realtors mostly just use it to advertise themselves. The ones that do have "for sale" signs that aren't alre...
by sls239
Mon Oct 20, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2853

Re: Smartphone questions

The Samsung Ativ (Windows phone) has a replaceable battery and is cheap. We did Windows phones because my spouse's work uses an exchange server so having Outlook on the phone is more convenient. I have to say I honestly don't get all the fuss about Apple and Android, but perhaps I just don't know wh...
by sls239
Sat Oct 18, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8990

Re: When can I afford to buy a home?

I would suggest that you first work on putting 20% of your income towards savings - 15% towards retirement at least, and the rest towards an emergency fund or general savings. IMO, that means that for now, you should be focusing on reducing your expenses not increasing them. However, understand that...
by sls239
Sat Oct 18, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2572

Re: Sixth anniversary of worst week ever for stocks

Other than being short on money, I can't tell I did anything differently with the accounts.

But as you can see, I joined Bogleheads on October 23rd, 2008. I clearly wanted a steadying influence.
by sls239
Fri Oct 10, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5420

Re: Wife Expecting, Down to One Income Source

Yeah we made it work. And I mean made it work. I planned to be off for a year and then find a job with a shorter commute. I had a job offer in hand the day DHs employer announced they were shutting his plant. So we relocated and when DS went to school, I got a job. And shortly thereafter DHs employe...
by sls239
Wed Oct 08, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8773

Re: When people put all their eggs in the wrong basket

I worked at Worldcom the summer between high school and college. Many people there had stock options and were thinking about taking them, but were saying that the stock price was only $86 - they had me post it every day - and that it had been $95. I really really hope they did take them in time.
by sls239
Wed Oct 08, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28968

Re: Why Wouldn't You Tilt To Small Value?

I think the mere fact that the discussion is about "tilting" makes it clear why I would not do that. Mere tilting wouldn't help much, and I'm obviously too chicken to go all in.

Also, I didn't start with a tilt, my default is to keep it that way.
by sls239
Wed Oct 08, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 3142

Re: "Vanguard converting mutual fund accounts to brokerage?

I suppose that means I'll have a settlement fund for my roth, for my spouse's roth, for my spouse's rollover IRA, for our joint account, and for the kid's ESA. :annoyed According to the FAQ, all the dividends will either be re-invested in that same fund or sent to the "settlement" fund. So...
by sls239
Tue Oct 07, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12317

Re: Is my husband a spendthrift? Or I a tightwad?

I have another motive for not moving to the new school district. It is a selfish one. If I feel out of place here now in my current neighborhood -- it will be worse in the new, wealthier by some exponents one. I don't want my kids to be the poorest in their school, nor do I care to make those paren...
by sls239
Fri Oct 03, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16580

Re: Lakefront property with small children?

One thing that hasn't been mentioned is a back door alarm.
by sls239
Wed Oct 01, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2210

Re: Should I pay off my sisters student loans?

There is a lot of anecdotal evidence that suffering improves character. However I've never seen any scientific evidence of it. And the lack of such evidence is very striking to me. I know that a starving person will eat grass even though it makes them sick. That is, suffering can twist people's judg...
by sls239
Tue Sep 30, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3628

Re: favorite brand name products

I can only think of three companies I've been fully satisfied with over the last 10 years -

Vanguard
Elfa
Canon

Even then, I'd still consider alternatives.
by sls239
Mon Sep 29, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3119

Re: Disappointed in Vanguard customer service

I only expect Vanguard CSRs to know Vanguard. I don't expect them to know much of anything else - that's on me.
by sls239
Sat Sep 27, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4461

Re: Car (new OR old) for mother & baby

Well baby means there will be a car seat. So you want to be sure that both of you can easily and correctly install the car seat. If you already have one, definitely take it with you when you go shopping. Also, pay attention to the headrests in the back seat, because that can affect car seat fit once...
by sls239
Sat Sep 27, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1177

Re: Anybody manage a rental property long distance?

There are two more disadvantages to what you are proposing beyond the distance that does not bode well for renting it out: 1) This house wasn't specifically selected to be a rental property. 2) It isn't your lifelong dream to be a landlord. My guess is that if you listed in June and didn't get any o...
by sls239
Sat Sep 27, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 888

Re: VG Removes Percentage IRR from Personal Performance

If you go to "Balances over time - Detail" or "Balances and Holdings" and click on the "Balances over time" tab it will show you investment gains / loss and cumulative return %. I think all the info is there and more, just in a different place.
by sls239
Wed Sep 24, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: VG Removes Percentage IRR from Personal Performance
Replies: 9
Views: 1293

Re: We have a grocery problem... [Household budget]

Knowing essentially nothing else, I'd suggest the easiest ways to save the most money would be: 1) stop buying most cleaning products Dawn, warm water, bleach / comet are likely all you need. Borax if you have hard water. All are very cheap. Use rags / washcloths not disposable wipes. Also, most peo...
by sls239
Tue Sep 23, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11211

Re: New Laptop, need help

A desktop will get you a lot more lifespan for your buck. Ours is over 8 years old and still adequate for using office, streaming video (we have a good graphics card), and the like. But I did buy a Lenovo Yoga 2 over the summer and really like it for toting around. The tablet mode is nice if you jus...
by sls239
Fri Sep 19, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2275

Re: Should I buy another fridge or freezer? Or neither?

When we upgraded to a french door fridge, we found we didn't need any extra room. But I don't freeze meats, I prefer them fresh.
by sls239
Fri Sep 19, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1064

Re: "Why 97% of People Don't Use 529 College Savings Plans."

If you withdraw from retirement accounts to pay for college, it will count as income on the following year's fafsa. We don't have a 529 yet, but we might soon. And we aren't in the 25% tax bracket and aren't totally maxing out 401(k) contributions either. We are saving adequately for retirement, and...
by sls239
Wed Sep 10, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 11029

Re: Coin Counting Machines

Try a 7 year old.
by sls239
Fri Sep 05, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4337

Re: Graduating Debt-Free, or with Elite College Degree?

Well it used to be that if you got a high enough score on the PSAT you were guaranteed a nice scholarship to UT-Austin in-state or out-of-state. They don't guarantee that anymore. In fact, there is (rightfully so) more of an emphasis for state universities to provide funds for well qualified student...
by sls239
Fri Sep 05, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 5184

Re: Bad(?) advice given about Target Date Retirement funds

This AA stuff is not a Science and is not sooooooo precise Yeah, but an 80/20 has twice as many bonds as 90/10. I'd say the psychological difference between those two is the largest, much greater than the difference between say 60/40 and 50/50. I think if someone says 80/20 that 90/10 is likely to ...
by sls239
Wed Aug 27, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6707

Re: Bad(?) advice given about Target Date Retirement funds

So if someone who was 30 years old said I'd prefer an 80/20 allocation and I want something I can just hold long-term, would anyone really advise them to buy the TR 2035 fund instead of the TR 2050 fund?
by sls239
Wed Aug 27, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6707

Re: New home worth the extra $$?

We've bought a new house, a 10 year old house, and a 20 year old house (in 3 different states). But you don't just buy the house, you buy into the neighborhood. And 10 year old neighborhoods have a different feel than brand new ones. Money-wise, I think getting the 10 year old house for 25K less is ...
by sls239
Tue Aug 26, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1795
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