Search found 618 matches

by sls239
Tue Jun 30, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a cordless electric or robotic lawn mower?
Replies: 8
Views: 936

Re: Anyone have a cordless electric or robotic lawn mower?

We bought the ego. We used to have a B&D we bought when we lived in TX and only had to mow every two weeks. It did not have a replaceable battery so it eventually died. I love the Ego. It mulches so well - it is almost a fine powder. And it actually does OK with thick tallish grass. And the batt...
by sls239
Tue Jun 30, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 5806

Re: Used, Reliable, Safe, Financially Sound cars

Years ago, Toyota was the brand known for reliability. I bought a Honda. Now, Toyota and Honda are known as the reliable brands. I happened to have bought a 2013 Mazda 3 hatchback last December. So I'm making a prediction. It has a good amount of cargo room, it goes when you push the gas (Skyactiv e...
by sls239
Tue Jun 30, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 20104

Re: Emergdoc on Mr. Money Mustache

I'm a little surprised that he didn't bring up MMM advice on health care which basically consists of "be healthy."

The fact that many people are diagnosed with asthma as kids, cancer as teenagers, or other diseases completely unaffected by any life choices seems to escape him.
by sls239
Fri Jun 26, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 1901

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

Nobody is immune. As far as worst case scenarios go - market returns of .5% real are not nearly as likely as a lot of other events. Like not being able to continue to make contributions due to illness, late in career layoff, or other issues or even, as you mentioned - living beyond current life expe...
by sls239
Fri Jun 26, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6291

Re: Bogleheads are more aggressive...

Forgive me, but what about They are more male, and when talking about their % in stocks it becomes similar to a genitalia measuring contest? Risk taking is acting as a proxy for virility. And I don't think Bogleheads are younger. I think they are older compared to other forums in which investing is ...
by sls239
Fri Jun 26, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4627

Re: Homemaker denied credit card despite high household income

She has income.

She is married and has marital income.

That is true in all 50 states.

Just like if someone has an annuity, they have income.
by sls239
Fri Jun 26, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4627

Re: Homemaker denied credit card despite high household income

Well if their policy is that they will not consider income that the applicant has a reasonable expectation to, then they need to say that, not just say that they don't count "household income." It could be that her handwritten "household income" scared them away. I don't know if ...
by sls239
Fri Jun 26, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2610

Re: Fish in the refrigerator

I would think that if the fish is thoroughly coated with oil or mayonnaise that the volatile compounds would not be able to escape into the air.

The empty can is going to have a much stronger smell. That should go out immediately.
by sls239
Fri Jun 26, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4627

Re: Homemaker denied credit card despite high household income

No, it is specifically not "household income." In fact if the credit issuer uses the term "Household income" then they have more hoops they'd have to jump through. So they avoid that term like the plague. But if they are just asking for "Income" or "Your Income&quo...
by sls239
Fri Jun 26, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 1901

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

What is the purpose of the worst-case scenario?

Are you trying to use it as an argument that you need to put more money towards savings? Or as a reason to change your AA?

Or what?

Because for me, all those scenarios are basically entertainment, not information.
by sls239
Thu Jun 25, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4627

Re: Homemaker denied credit card despite high household income

She has reasonable expectation of access to that income. Therefore, she can put it on the application.

http://files.consumerfinance.gov/f/2013 ... l-rule.pdf
by sls239
Thu Jun 25, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 6555

Re: What credit should you get? (Ask me anything)

And if you do spend $10K / year on dining?

And do you think catering from places like Panera would count as dining?
by sls239
Thu Jun 25, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 9741

Re: Backyard conundrum

You have a shade tree that has survived 4 years of severe drought and you want to chop it down? I think you should know that your idea of landscaping is not likely to align with potential buyers if you end up needing to sell. Even for a desert area, your sections are too large and it has too much ha...
by sls239
Thu Jun 25, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3118

Re: 10 year old car

Not much experience with paint, but we did pay a couple hundred for the roof fabric to be replaced in DHs 12 year old car and we paid a couple hundred to get a Bluetooth compatible radio put in. IMO, little things like that make you feel like you aren't depriving yourself. I find it a little odd tha...
by sls239
Wed Jun 24, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1186

Re: 4th of July in Washington, DC

Thanks!

We're staying with family in Bethesda so we'll be using public transit. There's no public transit where we live so that is just part of the adventure for our son!

And seafood sounds great too as we are too far inland to get fresh seafood much.
by sls239
Tue Jun 23, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1186

4th of July in Washington, DC

I'll preface by saying we are crazy, but we want to go to the fireworks on the mall in DC. It will be me, my spouse, and our 8-year-old. I know it will be hot and humid and crowded. What I don't know is when you need to get there so that you aren't spending forever and a day in the security line and...
by sls239
Tue Jun 23, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2053

Re: Use Roth IRA to remodel house?

If you are going to remodel the house without saving first (which I don't recommend) it makes more sense to use the cash you have saved for emergencies to pay for it.

Then if there is an emergency, you would pull from the Roth.

And then you would replenish the emergency cash over time.
by sls239
Tue Jun 23, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2326

Re: Moving to LCOL state

If you are talking about TX, rents are high because property taxes in areas with good schools tend to be high.

Don't get me wrong it is still LCOL, but property taxes on a house can be as much as rent for an apartment so the whole "if I rent I'm throwing away money" idea just doesn't hold.
by sls239
Mon Jun 22, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 1545

Re: Anyone Install a new shower lately?

My advice is don't hyperventilate. Get a good valve, and remember that changing the showerhead is really easy if your preferences or needs change in the future. We bought the Delta H2O Kinetic 4 setting http://www.amazon.com/gp/product/B009MLXJY2?psc=1&redirect=true&ref_=oh_aui_detailpage_o0...
by sls239
Sat Jun 20, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 5952

Re: Wsj article today on reit investing

I'm not sure what I think about the implication that you need more RE than what you get in a broad index fund. There are lots of parts of the economy that don't show up on the stock markets - in addition to non-profits and government, law firms and medical practices come to mind. And yet would the e...
by sls239
Fri Jun 19, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 21
Views: 2322

Re: Deck - Best Method of Treatment

I'm using the Deckover from Behr. Let me tell you - you do not want to use this stuff if you don't have to. It is thick, glopy, expensive and takes forever to put on (although I'm faster now). It will have you wondering if it would be cheaper and easier to just replace the boards. That said, our dec...
by sls239
Wed Jun 17, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: New Floors
Replies: 15
Views: 2592

Re: New Floors

If your new floor color doesn't coordinate with the color of your existing baseboards and trim, then there will be extra expense and / or labor to get that to look decent.
by sls239
Wed Jun 17, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Disney World Orlando Advice
Replies: 36
Views: 3134

Re: Disney World Orlando Advice

So what do you think your 5-year-old wants? Is he the ride every ride type? Want to dance with Mickey and Minnie? Or watch a musical performance in a nice cool theater? Get the best viewing spot for the parade? The thing about Disney World is that you can't do everything. So you need to consider wha...
by sls239
Thu Jun 11, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5298

Re: Should I move out of my family's home?

I don't think it is at all clear that living with your parents is the reason you can't cook and don't have the social life you want. Why not spend some time focusing on the actual things you want to change rather than assuming that moving out will magically solve your issues? The other thing you can...
by sls239
Mon Jun 08, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9713

Re: close friend found out how much I have - bad outcome

It is possible to be happy for someone and still have a moment or two of bitter envy.

It isn't one or the other.

Just like you can empathize with her poverty and still be exasperated with her bad choices.

It isn't one or the other.
by sls239
Fri Jun 05, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophies of frugality.
Replies: 64
Views: 7273

Re: Philosophies of frugality.

My philosophy is exceedingly simple. I save 20% of gross household income for retirement and pretty much always have. I'm sure there are areas of my life where I'm exceedingly frugal and areas where I'm exceedingly extravagant. 20% is pretty arbitrary, but I don't think anyone is going to call it ir...
by sls239
Mon Jun 01, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: booking travel to Disney
Replies: 23
Views: 1990

Re: booking travel to Disney

Undercover tourist is a really great place for planning, and you can buy park tickets through them. There are Disney forums all over the place that give good advice as well. But you are absolutely right to stay on site. Even on-site there will be a tradeoff between price / amenities / travel time to...
by sls239
Mon Jun 01, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Kids and TV Viewing - Your Thoughts?
Replies: 28
Views: 2636

Re: Kids and TV Viewing - Your Thoughts?

Our restrictions are similar to yours, except we just mute most commercials and talk during the break.

I never assumed that just because a movie got a G rating that it was appropriate. At age 8, just about any G movie is OK, but not all PG movies IMO.

I also use a white-list for the internet.
by sls239
Mon Jun 01, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6355

Re: Which grocery stores do you shop at and why?

We have a Wal-Mart neighborhood market and I do most of my grocery shopping there. Now that they've gotten all the major grocery chains and Target to super-size themselves, Wal-Mart comes out with a well stocked little store where employees can actually walk around the store and keep an eye on every...
by sls239
Sat May 30, 2015 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3306

Re: Ethics over income?

The people who made these decisions, are they likely to stick by those decisions and stick around with the company?

Or is it clear that this is a disaster and you are just waiting for the even higher-ups to realize that and fix it?
by sls239
Fri May 29, 2015 10:37 pm
Forum: Investing - Theory, News & General
Topic: This time is different
Replies: 44
Views: 4867

Re: This time is different

Abnormal is normal with markets. Expecting every variable to be normal is like expecting to live in a place that has no drought, no flooding, no heat wave, no cold spells, no tropical storms, no tornadoes, no tsunamis, no nothing for years on end. A 100 year flood or worse happens about every 50 yea...
by sls239
Fri May 29, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 2015 or 2016
Replies: 21
Views: 1556

Re: Mazda CX-5 2015 or 2016

You don't always get to decide how long you will drive your vehicle. If it is totaled in an accident, stolen, flooded or something along those lines then you realize the depreciation whether it has been 2 years or 10.
by sls239
Fri May 29, 2015 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan
Replies: 10
Views: 775

Re: 529 Plan

What did your ELP say the reason was for selecting the VA plan over the 49+ other plans?
by sls239
Fri May 29, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: 13% APR Loan
Replies: 8
Views: 502

Re: 13% APR Loan

No, it isn't.

Your credit will heal if you do nothing but wait. And that is free.

And even if 13% were as good as you could get, there is no excuse for extending it over 6 years. And there is no excuse for borrowing 15K at such a high rate when you can get a decent vehicle for much less than that.
by sls239
Thu May 28, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 47
Views: 4114

Re: SSD + HDD good option for upgrading desktop PC?

I think you must have a program doing something at start-up. Maybe one that checks for driver or software updates and then closes again?

Or are you running AV software?
by sls239
Wed May 27, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2687

Re: Best Kid Toys

Pretend food / play kitchen
by sls239
Wed May 27, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Saving on large purchases
Replies: 12
Views: 1038

Re: Saving on large purchases

Well I don't live in Orange County.

That probably saves me more money than all the coupons you'll ever find.
by sls239
Fri May 22, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 1596

Re: Teaching 8 year old about stock market...

I'd just take away from this the fact that he's learned that more money is better than less money. It is hardly a shocking revelation at that age. You can have a conversation about it, just like with anything your child shows a passing interest in. But a good way to kill an interest is to overload i...
by sls239
Fri May 22, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell Education Savings Account thoughts
Replies: 6
Views: 527

Re: Coverdell Education Savings Account thoughts

Coverdells can be used for education outside the public school system even if your child attends public school. Tutoring for example can be a qualified expense. So can courses at community college, materials for AP coursework, or even tuition for online courses like at Art of Problem Solving. So a c...
by sls239
Thu May 21, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Teaching maths to a 4 year old
Replies: 31
Views: 2701

Re: Teaching maths to a 4 year old

For addition and subtraction there is an expected progression essentially from what you are describing to the full-on multi-digit standard algorithm, I can't quite remember the order it goes in but some of the intermediate things include: Drawing a representation of the object itself -> drawing a st...
by sls239
Mon May 18, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 15508

Re: Aren't we overdoing electronic auto safety features?

I'm not sure that these safety features really do cost thousands of dollars. I think it may cost thousands of dollars to buy them the first year they are offered. And that isn't likely to be worth it. But after that, you have the choice of buying used. I'm not seeing "thousands of dollars"...
by sls239
Fri May 15, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Electronic Door Locks
Replies: 12
Views: 1253

Re: Electronic Door Locks

I don't expect anything to be safe from hackers. To be honest, I'm more interested in a convenient way to let people in than I am about keeping thieves out. However, these systems do also let you add cameras, motion sensors, smoke detectors, and it seems like anything a regular security system would...
by sls239
Fri May 15, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 13
Views: 1620

Re: My Home: Renovate or get out?

Just do #1 and #2.

It will be hard to sell if you don't do those two things anyway.
by sls239
Fri May 15, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Electronic Door Locks
Replies: 12
Views: 1253

Re: Electronic Door Locks

It was Vivant that was making the sales pitch to me. But I'm much more interested in the convenience factors than the security ones. I'm honestly not keen on paying for someone else to monitor it, when I could monitor it remotely myself. So I was looking at a more DIY system like MiCasaVerde, or Sma...
by sls239
Fri May 15, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Is this a dumb thing to do? [Pied-a-terre to share with daughter]
Replies: 41
Views: 5107

Re: Is this a dumb thing to do? [Pied-a-terre to share with daughter]

So the $1600 in rent she pays now, where does that go in the new arrangement? I don't think footing the entire housing bill for your daughter is a good idea. Something like that distorts the financial picture - it becomes hard to evaluate how well you are doing if a major expense like that is absent...
by sls239
Thu May 14, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Electronic Door Locks
Replies: 12
Views: 1253

Electronic Door Locks

I was wondering if anyone could share their experience with this. I heard about a system through a home security company that would allow you to use your phone to unlock your front door, or send you a text when someone unlocked the door with a numerical code. The idea appeals to me, but I'd like to ...
by sls239
Mon May 11, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 49
Views: 5754

Re: Lecture me about "too much house"

If $234K seems like it might be too much, it probably is.

And if $163k seems to get you too little, then just keep looking.
by sls239
Mon May 04, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: selling/buying a car - NJ or TX?
Replies: 12
Views: 788

Re: selling/buying a car - NJ or TX?

Why not sell the car you have in NJ, rent one to get you to Texas, and then buy a car in Texas? Some things could make it obvious - like if the A/C doesn't work, don't bother trying to sell it in Texas. If it has heated leather seats, again, better to sell in NJ. If it doesn't handle potholes worth ...
by sls239
Fri May 01, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 10523

Re: New car every 5 years instead of 10?

One thing to consider is that if you buy a new car every 5 years, you are doubling the number of purchases you are making and doubling the chance that one of them will be a lemon. But even beyond that, you must consider that your experience isn't guaranteed to be average. You know what those numbers...
by sls239
Wed Apr 29, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 64
Views: 8177

Re: My new dishwasher doesn't clean

Try running a rinse cycle at the end of every day that you don't run the full wash but have dirty dishes in the washer.

You might also try running your hot water at the faucet until the water coming out is quite hot immediately before running the washer.

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