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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: 1038

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: 72
Views: 4452

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: 930

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: 1038

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: 1038

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: 808

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: 1671

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: 1671

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: 749

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: 1671

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: 20
Views: 1438

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: 20
Views: 1438

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: 29
Views: 1555

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: 416
Views: 61939

Re: hut to hut in the Alps

I hiked hut to hut in Austria, Switzerland, and Italy. They were all nice, it's hard to make bad choice. My personal favorite place is Dolomites, so I returned there several times. I think you and your family will enjoy Dolomites as it covers all of your bases - (relatively) inexpensive, great scene...
by snowman
Wed Feb 04, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1187

Re: Assisted Living Facilities... Weird 'Atmosphere...'

I noticed the same thing, although not with my relatives. When my daughter was younger and played piano, she would visit ALF twice a year to play piano there, together with her teacher and other students. The atmosphere always struck me as weird, just like you described. Nobody talked, not even arou...
by snowman
Thu Jan 29, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4085

Re: US citizen vs green card

I don't think there is any financial benefit, at least I did not see any when I was a long time GC holder years ago. However, there are non-financial benefits: 1. You get to vote. 2. You don't have to re-apply for GC every 10 years. 3. You can stay abroad as long as you want, as often as you want. 4...
by snowman
Wed Jan 28, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: US citizen vs green card
Replies: 34
Views: 3071

Re: Preparing for a big move (US to Europe)

I have to echo what other posters said – you will not be able to find a job on your own in EU. While it’s possible to get (illegal) minimum wage job almost anywhere in the world, even that would be next to impossible in EU as you would be competing with cheap labor from Eastern Europe. Given your ed...
by snowman
Wed Dec 24, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 3024

Re: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holding

I cannot see that anybody is right or anybody is wrong here... The history of international returns (notably emerging) is too short to make any kind of meaningful judgment call. It is troubling though that the data from the Triumph of the Optimists seems to show that the US (and Australia) are rath...
by snowman
Thu Dec 11, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4362

Re: My Health care monthly premiums doubled after ACA

We just got the letter about our new premium for 2015 if we stay on our current plan (Kaiser Permanente, in Colorado). Apparently it's going down by 7%. Very interesting, Mike! We are with Kaiser in CO too, and our premium went up 15%. We did get a letter from the CO Exchange that, on average, prem...
by snowman
Mon Nov 24, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 5568

Re: Light Bulb Question

I honestly do not know the answer, but I purchased the box of tubular ones from Costco (your first link), and I can confirm all the negative reviews on Costco site. Mainly, they take about 5 minutes to warm up, and they don't last. Once they are warm, the light is good. I, like other reviewers, wil...
by snowman
Wed Nov 19, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 7171

Re: Light Bulb Question

I honestly do not know the answer, but I purchased the box of tubular ones from Costco (your first link), and I can confirm all the negative reviews on Costco site. Mainly, they take about 5 minutes to warm up, and they don't last. Once they are warm, the light is good. I, like other reviewers, will...
by snowman
Wed Nov 19, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 7171

Re: Shower silicone replacement - Price? DIY?

Based on what you just posted, here is my suggestion. Plan to do it in 2 days due to your pain. I estimate that 80-90% of your time will be taken by caulk removal process. Take your time. There really is no technique or special knowledge, just time and patience. You will quickly find out what works ...
by snowman
Sun Nov 16, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1835

Re: car sensor showing TPMS sign

My car showed TPMS sign , MIDAS just says replace the tire as valve is stuck and air cannot be filled. Firestone says replace the sensor.. Any ideas what should be done? Thanks! You don't replace the tire when TPMS or valve malfunction. That tells you one thing - no more trips to MIDAS for you! Alt...
by snowman
Sun Nov 16, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 2205

Re: Shower silicone replacement - Price? DIY?

I am not sure if that is your actual problem, but if it is, this absolutely is a DIY job, the cost being about $8 for one tube of silicone based caulk at HD or Lowes. I assume you have caulking gun, if not, it's few dollars at the same store. So the question for you is this: is it worth it for me to...
by snowman
Sun Nov 16, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1835

Re: What is common for a severance package?

Thanks for the replies. Does the week per year of pay often include total compensation (bonus, stock options, and other benefits)? In my experience, it does not. It goes by your current salary only. However, any unused time off gets added to it. There will be specific rules outlining (potential) bo...
by snowman
Wed Oct 15, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1920

Re: Recent statistics of college majors

Very interesting and timely – it’s the college application season for our son.

They should show the first couple of charts to parents of first graders. Maybe a few more parents would spend more time helping their kids with their math homework.

Thanks for sharing.
by snowman
Wed Oct 15, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2778

Re: Is Now a Good time to Buy Bonds ???

Don't try to time the market. Instead, come up with a plan if you don't have one already. For example, if you have 3 years to go from 5% to 20%, you move up to 10% in 2015, 15% in 2016, and 20% in 2017. Maybe you will get there through new contributions, re-balancing, or combination of both. Seems p...
by snowman
Thu Sep 25, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 2177

Re: Unexpected Emergency

There is one more step you may want to do with regard to your new CC. Once it arrives in the mail and you activate it, ask CS for increased line of credit. If you have another CC with the same bank already, they will suggest you move whatever amount available, up to the limit on the old card. If the...
by snowman
Thu Sep 25, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3363

Re: Lump sum or monthly check at retirment

Oh, and I don't know how the $35k would be taxed, so that might affect the sum that actually gets invested which would likely lower the monthly payout in retirement. Also, I believe SWRs are adjusted for inflation. Is the pension distribution? Someone can let us know if this kind of payout cannot g...
by snowman
Thu Sep 25, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump sum or monthly check at retirement
Replies: 20
Views: 1524

Re: Unexpected Emergency

It really depends on many factors, so here comes simple answer to simple question. No, I would not stop 401k contributions. As some posters already suggested, I would get 0% CC for 18 months - yes, they do exist. Some even come with a signing bonus and cash rewards. I would not even touch EF if I di...
by snowman
Thu Sep 25, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3363

Re: Who holds your Solo 401k?

Why not more for TDAmeritrade as they have 100 commission free ETFs with no minimum limits that have many Vanguard ETFs? I looked at Fidelity and they do have low ER Spartan funds but many appear to have minimum limits of 2500 or 10k (Im just starting a solo 401k this year and don't have a lot of m...
by snowman
Wed Sep 24, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2627

Re: Jack and Jill Bathroom a problem?

OP, I just responded to your other post, and was wondering - is this house A or B? Anyway, we have one of these, my wife loved it when we bought it and kids were little (boy and girl). She made a comment that once they become teenagers, they will not want to share the bathroom. Well, that's exactly ...
by snowman
Wed Sep 24, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 2165

Re: Who holds your Solo 401k?

Why not more for TDAmeritrade as they have 100 commission free ETFs with no minimum limits that have many Vanguard ETFs? I looked at Fidelity and they do have low ER Spartan funds but many appear to have minimum limits of 2500 or 10k (Im just starting a solo 401k this year and don't have a lot of m...
by snowman
Wed Sep 24, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2627

Re: Which house to buy?

B, no question.
by snowman
Wed Sep 24, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1456

Re: Help w/ the Mechanics of Solo 401k Contributions?

I stand corrected, and I apologize for that. Thank you, SR. What I described was the solo 401k mechanics of an S-Corp, not LLC. I cannot believe I missed such an important fact! I apologize to OP as well.
by snowman
Tue Sep 09, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1116

Re: Help w/ the Mechanics of Solo 401k Contributions?

It really does not matter when, how often or how much you contribute. Just remember that if you already paid yourself, you cannot come back in some future time and designate part of it as 401k employee contribution. Also, you only have until December 31st to make employee salary deferral contributio...
by snowman
Mon Sep 08, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1116

Re: A 'really good book' you did NOT enjoy

War and Peace. I couldn't keep track of all the characters. Anything by Shakespeare and Tolstoy would be on that list too. It's been several decades though. Now people are piling up on Tostoy?! My opinion about the intellectual strength of this Forum is falling fast. Victoria Isn’t it interesting? ...
by snowman
Sun Sep 07, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12492

Re: A 'really good book' you did NOT enjoy

Recently, I waited 2 months for "The Death of Money" by James Rickards. I was so excited when I got email from the library that it's now available! What a disappointment. I forced myself to finish reading it, hoping with every new chapter that it will get better. It never did... Anything b...
by snowman
Sun Sep 07, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12492

Re: Salzburg or Graz?

What others have said, including Salzburg if you absolutely have to choose.
by snowman
Mon Aug 04, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1288

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Like let's go Bobby, I would like to see reliability reports for this model year. I would be very careful with that assumption. A lot of problems will manifest themselves later in the life of the car. First year model reliability report will, unfortunately, not tell you how that new transmission wi...
by snowman
Tue Jul 29, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 12515

Re: Where should I open a Solo 401k account?

I concur with Spirit Rider's advise - it depends on what's important to you. Mine is at Fidelity and I would recommend them any time. However, if you want options like Roth, loans, or electronic deposits, you need to look elsewhere.
by snowman
Fri Jul 25, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I open a Solo 401k account?
Replies: 18
Views: 1370

Re: Should I buy a new(er) car, and if so what?

Several thoughts, coming from someone who does all repair (if needed) and maintenance on our cars. First, upgrade your current stereo, it will make a big difference. Second, there is no such thing as 150K mile service costing $450. It may be a product dealership (or another auto shop) is trying to s...
by snowman
Wed Jul 16, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a new(er) car, and if so what?
Replies: 19
Views: 2406

Re: Likely about to lose job, planning for transition

I am sorry about your situation. Here are my thoughts (although I see several posters beat me to it already). You are correct about health insurance – your job loss is a qualifying event, no gotchas there. However, when mega corps let people go, they generally offer some type of package which genera...
by snowman
Wed Jul 16, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2740

Re: HSA savings on premium?

You may not be comparing apples to apples if your own coverage is subsidized by your employer. Ask BC for the quote for the 3 of them, then you have direct comparison.
by snowman
Tue Jul 15, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA savings on premium?
Replies: 9
Views: 1300

Re: Car did not start: To dispose? How?

It's more than likely battery. There is a small chance terminal connection became loose. It actually happens quite often, so that's the very first thing I would check. I do maintenance myself, but AAA should diagnose and jump start if necessary at your house with no problem. If it ends up being the ...
by snowman
Mon Jul 07, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 6736

Re: Should I go back?

I would not go back. I left years ago corporate environment and commute you describe, I pay double for health insurance compared to your current cost, and I get no pension or any other benefits. I am self-employed, with unpredictable income, in some years much lower than what I used to make. I can t...
by snowman
Wed Jul 02, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3282

Re: Roth IRA for Teenager

She doesn't have to be the one contributing. For example, she could contribute 10% and you could provide the other 90%. I would avoid you funding 100%, the kid needs to have some skin in the game and get started with the idea of paying themselves first. This is what we have done with our kids over ...
by snowman
Tue Jul 01, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for Teenager
Replies: 6
Views: 588

Re: engineers - please help with engineering school selectio

I would not underestimate the benefits of AP courses in high school. Graduates of Carnegie Mellon are finishing with a Masters degree in 4 years. I think the same thing happens at other top schools. I know people are doing it, but I'm not sure its the right thing to do for most students. Yes it sav...
by snowman
Fri Jun 13, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5764

Re: engineers - please help with engineering school selectio

A note on paying for college --- I believe that you are mistaken that the top private schools (MIT, Stanford, CMU, CalTech, Rice, Mines, etc) will cost you less than an out-of-state flagship. If you can pay for in-state, then I predict that you will get neither financial aid at the top private scho...
by snowman
Fri Jun 13, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5764
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