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Re: Should I apply for manager's job or continue as a techie

OP, I am not a techie (I was a manager in strategy/finance), but I used to work with IT managers (some VP level, mostly director level) on a daily basis. Questions like you are currently facing were frequently brought up in personal meetings/lunches I have had with them. Other posters are providing ...
by snowman
Fri Apr 24, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 72
Views: 3499

Re: Approach to Second Act Career Switch

There is no single approach that works the same for everyone. I have done it, and it worked for me, but I am a risk-taker. Most people in general are a lot more cautious, and on this board most people (seems to me) are extremely cautious! For example, with your amount of savings and future pension/S...
by snowman
Fri Apr 24, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 15
Views: 1049

Re: Transmission oil one inch over the full line would that

Have you exactly followed the directions in your car's manual for checking the transmission oil level. Very often there are specific steps involved, not just checking the level while running. There is generally guidance on how long to warm up the engine and how you should let it cool down if you ha...
by snowman
Thu Apr 23, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1208

Re: Using Zillow/Zestimate to value a home?

Does it even really use the purchase price? If so, it's not a strong factor in the algorithm. My Zestimate was $80k low (~12%) before purchase, and that didn't change even after it logged the purchase in the system. The house next door (sold a bit more than a year later) has had the same trend. You...
by snowman
Wed Apr 22, 2015 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4644

Re: Broken Oxygen Sensor on Car

I have a 2001 Toyota Tundra and apparently one of the oxygen sensors went bad on a trip to Disney in 2006. When I got home, I was told it was one of the four sensors and they would not be able to tell which one. They wanted to replace them at about $200 each. My total bill would be between $200-800...
by snowman
Tue Apr 21, 2015 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 40
Views: 2270

Re: Broken Oxygen Sensor on Car

$500 is too much. Also, "broken" O2 sensor doesn't sound right. Here are the steps I recommend: 1. Check your warranty. It may still be covered. Get it fixed for free if within warranty period. 2. If outside of warranty, and you are somewhat handy, get the code, google the part, buy on ama...
by snowman
Tue Apr 21, 2015 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 40
Views: 2270

Re: engineers - please help with engineering school selectio

The intern and co-op opportunities with the local companies are abundant. While U of MN engineers are not always 'famous' nationally, the U of M - college of Engineering, specifically - has a lot of influence in the region. 3M, Medtronic, General Mills, Boston Scientific, Cargill, St Jude Medical, ...
by snowman
Tue Apr 21, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

Also, interestingly, the Economist put out an article that suggests that engineering graduates on average earn the same amount of money regardless of where they go to school. This appears to be true. Before applying, he did look up starting salary information for both mechanical and chemical engine...
by snowman
Tue Apr 21, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

I went to CSU and i think Mines (where my daughter went) is IMO vastly superior to either CU or CSU in terms of internships, academic rigor and post-graduation opportunities for employment and grad schools. Thanks, MnD, I have similar thoughts as you do. He did receive outstanding merit scholarship...
by snowman
Tue Apr 21, 2015 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: TX, MT, CO, and NM Comparative Tax Burden

Amarillo is kind of odd-man-out in terms of what is immediately local and things to do compared to the other cities you have listed. I couldn't even be paid to live in Amarillo. And yes, I have been there. So tell me what the attraction is? Are you from Amarillo? Do you have grandkids in Amarillo? ...
by snowman
Tue Apr 21, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1844

Re: TX, MT, CO, and NM Comparative Tax Burden

OP, You got some good replies regarding CO already, I will just offer some additional thoughts for your calculations. Water is expensive here. I suspect it's expensive in any of the cities you are considering, but the water bill may be substantially higher compared to what you are paying today. For ...
by snowman
Tue Apr 21, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1844

Re: Does your family know about your net worth (ball park)?

3. My mother did not foster good relationships among us siblings. There was always unhealthy rivalry going on, as well as golden-child/scapegoat phenomenon. If I did something good or remarkable, she would always comment how my rival sibling did it better etc. He lives flashy lifestyle – expensive ...
by snowman
Sat Apr 18, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11215

Re: engineers - please help with engineering school selectio

Still, he was either rejected or (mostly) waitlisted at all top private schools he applied to. It may be a longshot, and I don't want to raise any hopes, but some students are accepted off the wait list. How many wait lists is he on? What has he done about it? If accepted at any of the private scho...
by snowman
Sat Apr 18, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

May I take my engineering hat off for a moment? The school name as many have mentioned, is not that important when dealing with great programs such as these and honors much less so especially in fields like engineering that are about creating/producing. Your son is very young still and although it ...
by snowman
Sat Apr 18, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

I am a graduate of CSE at the University of Minnesota, so you should take that into account. First, if he's willing to work hard, both colleges will serve him well. I don't think there's a mistake to be made. I would write off the Boulder "party school" chit chat. It's a big enough place ...
by snowman
Sat Apr 18, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

I don't think your son can go wrong, and if the aid offer is better at Minnesota, that may be the tiebreaker. BUT, I will say that he should be REALLY sure he's ready to put with the Minnesota winter for 4 years and is willing to put up with Midwest Winters for a few years after that. Minnesota is ...
by snowman
Fri Apr 17, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

OP, as a person who got a state engineering school degree, only to become a computer programmer: State Engineering school is incredibly painful, even for smart kids. It is not exaggerating to say it is 4 years of hell. If there is even a 20% chance he doesn't want to do (real) engineering for a liv...
by snowman
Fri Apr 17, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

As a chemical engineer that attended a party school that also is well respected for its engineering programs (believe it or not, those two can coexist)...I stronly encourage your son to think about which place he'd enjoy living at. Engineering is a tough program. From your post, it sounds like he'l...
by snowman
Fri Apr 17, 2015 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

This is an easy choice, which state does he want to live in immediately following graduation? Yes, we have thought about that aspect, and it's really a tie. He loves CO and wouldn't mind staying here. He also likes northern belt - MN through ME. Cold, less sun, but more trees. His plan (I know it's...
by snowman
Fri Apr 17, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

This is OP, It occurred to me that some of the posters who previously provided very helpful replies might have missed the update I made to the OP, so for your convenience, I'm quoting it here: Updated by OP – April 2015: I wanted to provide an update to all of you that graciously responded to my thr...
by snowman
Fri Apr 17, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: engineers - please help with engineering school selectio

Thanks for reply; my comments/questions are in blue. I'd pick the University of Minnesota as it is a more recognized name throughout the country due to being in the Big 10. Many companies have mandates to recruit student from higher ranked schools. I'm pretty sure my company has a goal to hire a cer...
by snowman
Fri Apr 17, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10024

Re: Does your family know about your net worth (ball park)?

1. No. I grew up in a poor family in a relatively poor country where everyone had a NW of roughly zero. Most of their NW is in housing which isn’t all that much by our standards. To my family, we are probably rich because of our big house in a beautiful neighborhood in the US, but I don’t think they...
by snowman
Fri Apr 17, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11215

Re: Credit drop because of high utilization on one card?

My wife and I recently had some large purchases we funnel through my card for cash back (Insurance, vet bills, auto registration, birthday gifts for my wife, a new couch, etc...), which put the balance of the card at ~50% (total utilization is ~16%). Apparently, this was enough to drop my score by ...
by snowman
Sun Apr 12, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit drop because of high utilization on one card?
Replies: 8
Views: 559

Re: Cost of College & Weighing the Merits of Top Schools

Harvard, etc. Essentially free. If your kid gets accepted into an elite college, you've hit a major financial jackpot in terms of lower costs. Yup. HYPS are practically free if you aren't rich. Harvard is literally free if your household income is under $100k/year. $150k households only pay 10% of ...
by snowman
Fri Apr 10, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16711

Re: Cost of College & Weighing the Merits of Top Schools

I've looked at Net Price Calculators to make cost comparisons, for moderate incomes. UC Berkeley (or any UC) and many other state flagships, out of state Stratospherically expensive. 2nd tier privates Stratospherically expensive. Harvard, etc. Essentially free. If your kid gets accepted into an eli...
by snowman
Fri Apr 10, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16711

Re: Cost of College & Weighing the Merits of Top Schools

Thanks for all the replies....lots of food for thought. For us it seems to be boiling down to one big question.... Do you use your qualifications to just get IN to a top tier school, OR do you use them to get a big discount at a second tier school? WalterMitty, I understand your dilemma, but this i...
by snowman
Thu Apr 09, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16711

Re: Sandwich generation

Is she a US citizen? If not, moving here is not a realistic option as I don't think you would be able to afford her healthcare. It looks like the ACA has some coverage for legal residents who are not citizens. I didn't look at it in detail. ACA covers people up to age 65. His mom is 72. If she is n...
by snowman
Wed Apr 08, 2015 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sandwich generation
Replies: 17
Views: 1840

Re: Sandwich generation

Is she a US citizen? If not, moving here is not a realistic option as I don't think you would be able to afford her healthcare.
by snowman
Wed Apr 08, 2015 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sandwich generation
Replies: 17
Views: 1840

Re: 50.00 Fee from Fidelity for transfer

Ketawa wrote:However, I recently transferred an entire IRA out of TD Ameritrade and they didn't charge me a fee, which is contrary to their stated fees.


TDA does not charge closing account fees for APEX customers. Assuming you were APEX customer, they just followed their rules by not charging you any fees.
by snowman
Wed Apr 08, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 50.00 Fee from Fidelity for transfer
Replies: 26
Views: 2390

Re: Unexpected Car Expenses

Regarding the part failure issue: I'd want to be completely sure the catalytic converter is actually bad before replacing it. How sure are you this is not just a dead oxygen sensor? I would be tempted to just replace that (it's about a $50 part for, I assume the upstream sensor, and easy to do your...
by snowman
Fri Apr 03, 2015 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected Car Expenses
Replies: 21
Views: 2504

Re: ETrade vs. Fidelity (or others) Solo 401(k)

I am with Fidelity, they do have outstanding customer service. That was the main reason I opened my solo 401k there. Fidelity does not offer loan feature, you might have to look elsewhere if you really need it.
by snowman
Fri Apr 03, 2015 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: ETrade vs. Fidelity (or others) Solo 401(k)
Replies: 12
Views: 395

Re: Costco Renewal

HIinvestor wrote:I thought the 2016 card will be a CapOne MCard. I guess we will see.

That's what Costco did in Canada. In the US, Costco went with Citi Visa.
by snowman
Sun Mar 22, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco Renewal
Replies: 5
Views: 1028

Re: Do you really need 2.5 million to retire well?

Even moderate to high earners don't need that much... Here's the example I often use... $100k family saves $10k a year pays $24k a year on a mortgage pays $6k in payroll taxes really living on $60k a year... In retirement, you won't need to save, pay a mortgage, or pay payroll taxes, so there's 40 ...
by snowman
Wed Mar 11, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 13183

Re: new car battery

I wouldn't trust the dealer rep's recommendation, I am sorry to say that. He may be right, and he may not be. It's their job to recommend additional services to their customers when they bring their cars for oil change, so just keep that in mind anytime they recommend something to be done to your ca...
by snowman
Tue Mar 03, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2990

Re: More intl exposure in Life Strategy Growth - drop out of

I would stay, I don't see it in a negative way. It's part of evolution, not some market timing call on Vanguard's part. I would not be surprised if 10-20 years from now 60-40 split will change to 50-50. Not that long ago it used to be 80-20. My take is that with Vanguard's international costs decrea...
by snowman
Mon Mar 02, 2015 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: More intl exposure in Life Strategy Growth - drop out of it?
Replies: 17
Views: 1760

Re: Talking Salary Tomorrow - HELP!

I was where you are, about 20-25 years ago. Unless you are in a small company with extremely flexible rules, it's simply unrealistic to expect for that to happen. The way to get there is to change employer, usually 2-3 times. What to do tomorrow? Politely outline the value you bring to this company,...
by snowman
Mon Mar 02, 2015 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2675

Re: Replace or repair dishwasher

I am the type that always tries to fix things before replacing them, and it works about 90% of the time. I am also patient and meticulous, so there is rarely any problem I cannot figure out. Obviously, I would recommend trying to fix it first, especially if money is tight. I had similar problem in m...
by snowman
Sun Mar 01, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1320

Re: International is disappointing

OP, stay the course! What's happening is actually a good thing - it's called diversification at work, and presumably that's the reason you bought TISM in the first place. If the reason is any other - i.e. increased returns - well, you are in it for the wrong reason, and you will continue making inve...
by snowman
Sat Feb 28, 2015 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7395

Re: Combo Laundry Room/Food Pantry

It's what we have in our house, and my wife absolutely loves it! It's located between garage and the kitchen, so it's very practical to dump the groceries, mail, muddy/snowy shoes, etc. There is a built in closet, half of which we converted into pantry. Moisture has never been an issue. I say go for...
by snowman
Fri Feb 27, 2015 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Combo Laundry Room/Food Pantry
Replies: 14
Views: 1116

Re: Cross Country Ski Gear Tips/Destinations

Snowshoes were mentioned. I have owned and used snowshoes for almost 40 years. My experience is that they are great in the backyard. Whenever we used showshoes in the Sierras, we always found ski tracks had been there before us. And that is no matter how rugged the terrain as long as the snow was d...
by snowman
Mon Feb 23, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1165

Re: Cross Country Ski Gear Tips/Destinations

Many good maintained XC places here is Colorado: Frisco, Breckenridge, Vail, etc. In addition to downhill and XC skiing, you can also do backcountry skiing and snowshoeing. Lots of great places for all of these great winter sports. Gear: I would not buy XC skate skis until you are sure you like it a...
by snowman
Mon Feb 23, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1165

Re: College tax credit ?

If her grants (loans don't count) exceeded her tuition, then she had no net cost for AOC purposes and would not get a credit. I've never heard of "unbundling" the 1098T and claiming as income but I learn something new every day. Wouldn't the student have to claim the grants as income in t...
by snowman
Sat Feb 21, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: College tax credit ?
Replies: 11
Views: 841

Re: TDAmeritrade Forms 1099 Late

I'm in the same boat, with one of three of my TDA accounts. The other two came in a while ago - one in late January and one in early February. This third account, my "newest" of the three, has also always taken the longest. If I had to guess, they probably crank them out in ascending acco...
by snowman
Wed Feb 18, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1879

Re: TDAmeritrade Forms 1099 Late

UncleBen wrote:You can print your 1099 off their website if you don't want to wait. That's what I did.

Unfortunately, I cannot. It's not there yet. That's why I called, since last year it posted on February 11th. Same exact case as OP.
by snowman
Wed Feb 18, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1879

Re: Negotiating down to part time hours

There is no right answer to your question, there are just too many variables. You will have to do what will feel most comfortable to you. You are lucky that you work for an employer that would even consider such request. From the brief description you provided, I would approach your manager sooner r...
by snowman
Wed Feb 18, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Negotiating down to part time hours
Replies: 5
Views: 770

Re: TDAmeritrade Forms 1099 Late

I called TDA last week, was told to just watch the account and/or mailbox daily, as they go out in batches. He had no idea when mine might go out.
by snowman
Wed Feb 18, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1879

Re: 2005 Nissan Altima - car issues [kicks back]

The shakiness you still feel could potentially be caused by unevenly worn tires, or one tire having developed a flat spot. But you would feel it in a different way, which makes me suspect the transmission problem first. First, you need to verify ASAP what warranty coverage you still have. Nissan lik...
by snowman
Wed Feb 18, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: 2005 Nissan Altima - car issues [kicks back]
Replies: 21
Views: 1762

Re: 2005 Nissan Altima - car issues [kicks back]

Sounds like you might be describing 2 different problems. First is the shaking while applying the brakes. Changing the pads will do nothing if you need new rotors and/or calipers. This is not a big job for a DIY car owner, maybe $250 in parts and shouldn't cost more than $600 at a mechanic (though ...
by snowman
Tue Feb 17, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: 2005 Nissan Altima - car issues [kicks back]
Replies: 21
Views: 1762

Re: Overfilled Oil in Car - Cause of Oil Leak?

What you need to do is find out where the fluid is coming from. The only way to do that is to jack up the car (or drive it on the ramps) and look from below. Open the hood and look from above. That is another side benefit of changing your own oil – you get to inspect the car for any current/potentia...
by snowman
Sun Feb 15, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2091

Re: Mr. Money Mustache: Hero or Foolish?

Boglehead MMM fans, please post here if you dropped your high-income job for making a small amount of money with lots of free time in the prime of your life. I'd like to hear from you. Bogleheads on average seem to make higher than normal salaries...this whole phenomena is intriguing to me. We did ...
by snowman
Thu Feb 12, 2015 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 73334
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