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Re: changing jobs after a decade - risky or exhilirating

I did it at your age due to family circumstances. My wife and I relocated from Alaska to Texas for her medical residency which forced me to give up a position as a fisheries biologist to find employment teaching. Had life circumstances not caused this change I'd probably still be at my old career. B...
by texasdiver
Wed Nov 26, 2014 12:27 am
 
Forum: Personal Consumer Issues
Topic: changing jobs after a decade - risky or exhilirating
Replies: 5
Views: 553

Re: Favorite TED Talks

I show these three every year to my HS Marine Science classes Robert Ballard The Astonishing Hidden World of the Deep Ocean http://www.ted.com/talks/robert_ballard_on_exploring_the_oceans Edith Widder: The Weird, Wonderful World of Bioluminescence: http://www.ted.com/talks/edith_widder_the_weird_and...
by texasdiver
Tue Nov 25, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 13
Views: 1079

Re: Experiences using VRBO, Airbnb internationally

Can you tell by most postings if the owners are local or American? With airbnb you can click on the owner's profile and see what they have written about themselves. Sometimes there isn't much, other times there are photos and all kinds of chatty background information about the owner. On VRBO the o...
by texasdiver
Mon Nov 24, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 25
Views: 1483

Re: Experiences using VRBO, Airbnb internationally

I used VRBO to rent a beach house in Guanacaste Costa Rica a couple years ago and couldn't have been happier. But then the owners were from Colorado and so all the transactions were here in the US. It was no different than renting in the US except that they had a full time caretaker/housekeeper who ...
by texasdiver
Sun Nov 23, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 25
Views: 1483

Re: Dog food - how cheap is too cheap?

Your go-to source for all dog food information is http://www.dogfoodadvisor.com Pedigree is rated very low. If you are near a Costco you will find their Kirkland Signature dog and cat food to be by far the best bang for the buck in premium foods. I have probably saved hundreds buying this food compa...
by texasdiver
Sat Nov 22, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 62
Views: 3577

Re: Laptop/Chromebook recommendation

My little 11 year old is an aspiring writer. We would like to purchase a device for her to encourage her writing. What is our best option in a laptop, specifically for writing purposes? Thanks Most likely getting her something like what she uses at school would be best. Even if it is not the ideal ...
by texasdiver
Sat Nov 22, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 871

Re: Laptop/Chromebook recommendation

You also need to consider how to print her manuscripts. If you go the Chromebook route the ideal would be to purchase a cloud ready printer (prints directly from the cloud) to go with it. So if she took her Chromebook to the library for example, she could easily print off her documents on her home ...
by texasdiver
Sat Nov 22, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 871

Re: Laptop/Chromebook recommendation

You also need to consider how to print her manuscripts. If you go the Chromebook route the ideal would be to purchase a cloud ready printer (prints directly from the cloud) to go with it. So if she took her Chromebook to the library for example, she could easily print off her documents on her home ...
by texasdiver
Sat Nov 22, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 871

Re: Laptop/Chromebook recommendation

For an 11 year old definitely a chromebook. The google chromebook web site has side by side comparisons and pricing on the different models http://www.google.com/chrome/devices/chromebooks.html An 11-year old doesn't have decades of muscle memory of using MS Word in an office setting like us old fol...
by texasdiver
Sat Nov 22, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 871

Re: Active or Not, I Love Wellington

Well, I like it. The only way I can get bonds in my wife's profit sharing account from her employer is to get Wellington or PIMCO Total Return at nearly twice the ER. None of the usual Vanguard index funds are available in the eclectic mix of high ER actively managed funds she has to chose from. So ...
by texasdiver
Tue Nov 18, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 53
Views: 5079

Re: Hoa resurrection

We moved into our current home about 20 years ago. At that time, there had been a homeowners associaton in the past, but it had become inactive. Last year there were some issues that came up with a potential new development that the neighborhood felt would be detrimental to our community, so the as...
by texasdiver
Sun Nov 16, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2971

Re: Shower silicone replacement - Price? DIY?

I'd try DIY first. This isn't something where you can cause any kind of permanent damage by messing up. The hardest part of the job is getting every speck of the old caulk removed. That will take some time. Putting the new stuff in is relatively easy. There are probably a bazillion tutorials on the ...
by texasdiver
Sun Nov 16, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1642

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

I just hit 50 this year. My advice? 1. Push yourself to stay in shape or get in shape. It gets tougher and tougher every year and you have to make fitness a lifestyle to continue to stay active at the same level as was easy when you were younger 2. Spend lots of time with your kids. In a lot of ways...
by texasdiver
Fri Nov 14, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 101
Views: 13265

Re: Is it ever a good idea to co-own real estate with parent

Sounds like a bad idea. Daughter could do the following: 1. pay rent for the time she uses the house 2. buy the house from her parents outright assuming she actually wants it. Parents could hold the note rather than getting a bank mortgage and then it would essentially function like a reverse mortga...
by texasdiver
Fri Nov 14, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Is it ever a good idea to co-own real estate with parents?
Replies: 20
Views: 1323

Re: Father of eight hasn’t saved a penny for college

No, the real issue is that he thinks that he can turn his 8 children into "entrepreneurs". Some needs to notify the authorities so that they can give the daughter a couple hundred dollar fine for distributing enchiladas without the proper food licenses. That would be really educational ab...
by texasdiver
Fri Nov 14, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2711

Living abroad in retirement

Here's an interesting article in Today's New York Times http://www.nytimes.com/2014/11/15/your-money/choosing-to-live-abroad-in-retirement.html?ref=business The statistics I found the most interesting? Still, 373,224 retired Americans were living abroad in 2013 — an increase from the 346,216 reporte...
by texasdiver
Fri Nov 14, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Living abroad in retirement
Replies: 4
Views: 454

Re: Father of eight hasn’t saved a penny for college

The real issue with this father (and Victoria is right...where is the mother?) is not that he doesn't intend to help his kids with college. That hardly makes him unusual these days. I expect a large percentage of middle class families don't really have much saved for college. No, the real issue is t...
by texasdiver
Fri Nov 14, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2711

Re: Your car(s) are equal to how many months income

Now if I had included the 9 bikes in my garage the calculation would have been a bit different!
by texasdiver
Wed Nov 12, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6032

Re: Questions about flying with a toddler

An unsecured child in an adult's lap in an aircraft will be a projectile in the event of severe turbulence or crash. So if you think aircraft seat belts are a reasonable precaution for you, you should be giving your child the same precaution. And, for that matter, the other passengers around you wh...
by texasdiver
Tue Nov 11, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 35
Views: 1824

Re: Questions about flying with a toddler

On Southwest you can check in online and get your boarding group starting 24 hours before the flight. If you want to get into the A group, check when your flight is scheduled and then log into southwest.com and check into your flight EXACTLY 24 hours before takeoff. They assign boarding numbers firs...
by texasdiver
Tue Nov 11, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 35
Views: 1824

Re: Visitor Info Scam

This sort of thing is totally common in the developing world. Well...not time share salesmen, but "guides" who hover around likely tourist funnel locations and happily "guide" hapless tourists to various local hotels that pay kickbacks to the guides for bringing in customers. I s...
by texasdiver
Sun Nov 09, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Visitor Info Scam
Replies: 12
Views: 1696

Re: How much is your fixed income investment earning?

Mine's all in TSP G-Fund. 2.33% over the past year
by texasdiver
Wed Nov 05, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 31
Views: 2823

Re: LED Christmas lights?

I very much prefer incandescent lights. The LED ones are very cold, and they appear to flicker. I am disappointed that they are the new normal. :annoyed The first LED lights were "true white" which looks "cold" to most people. However you can now buy warm (yellowish-white) LED l...
by texasdiver
Wed Nov 05, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 15
Views: 1965

Re: 27 yr old reaches $1m net worth

If he can double it every 10 years which is an entirely reasonable goal, he'll be sitting on $10 million when he reaches 60.
by texasdiver
Tue Nov 04, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 10771

Re: Making 8 "horrible" investments will beat the index, rig

The results of the average private active investor is way behind the index, because we all tend to go in when the future looks good, and leave when the future looks bad. Well, if this is the case, it should be easy to beat the index by doing the opposite. We all wish we’d invested heavily in equiti...
by texasdiver
Tue Nov 04, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Making 8 "horrible" investments will beat the index, right?
Replies: 35
Views: 3798

LED Christmas lights?

Anyone done the research to find the best source for LED Christmas Lights? I have old icicle lights and some LED C7 white lights that are pretty old and I want to start fresh with warm white C9 LED bulbs on my house this year. It seems that the LED Christmas light technology has finally gotten matur...
by texasdiver
Mon Nov 03, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 15
Views: 1965

Re: Photos from my recent bicycle ride across Wales

Very nice. I always follow your trips with interest and a bit of jealousy. Wales is more rugged and mountainous than I had imagined but then I've never been to the UK.

Do you have a next trip planned?
by texasdiver
Fri Oct 31, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1691

Re: Anyone consider retiring to Vancouver, Washington?

I grew up and went to school in the Portland area and much of my family still lives there. Vancouver is essentially a car-centric bedroom suburb of Portland. There would be little reason for it to exist were it not for Portland across the river. As mentioned above, the main reason why people chose t...
by texasdiver
Thu Oct 30, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4426

Re: Security Systems

You can always do what my neighbor did and buy an ADT lawn sign off of ebay and pretend that you have a security system!

That's the cheapest way of all
by texasdiver
Mon Oct 27, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1111

Re: What is the appeal of smart watches?

I can see the Apple Watch as viable alternatives to existing fitness watches such as the Garmin Forerunner https://buy.garmin.com/en-US/US/into-sports/running/forerunner-620/prod122785.html for distance runners and cyclists who want to track heart rate, distance, time on course, etc. The Apple iOS 8...
by texasdiver
Sun Oct 26, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 2016

Re: LASTPASS Password Program

I use LastPass and think it is great. I'm no uber-techie like some on this list but one does have to step back and consider what the real risks are here. Unless you are a billionaire who has gained the specific attention of hackers who are trying to break into your accounts specifically because the...
by texasdiver
Sun Oct 26, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4545

Re: LASTPASS Password Program

I use LastPass and think it is great. I'm no uber-techie like some on this list but one does have to step back and consider what the real risks are here. Unless you are a billionaire who has gained the specific attention of hackers who are trying to break into your accounts specifically because ther...
by texasdiver
Sun Oct 26, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4545

Re: Should I Sue? [couch damaged in garage of rental]

Get an estimate on what it will cost to fix the couch.

If it is less than $1200 just take the $1200 and be happy
If it is more than $1200, bring the estimate to the management company and bargain for the higher amount

At least do that much before you contemplate lawsuits.
by texasdiver
Fri Oct 24, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3289

Re: Kids & Sports

I have 3 daughters who are now ages 8, 11, and 16 When they were very young my wife and I discussed this topic a lot and we basically came up with the following rule regarding extracurricular activities. What we have told our girls is that the two areas of their education that the schools do not rea...
by texasdiver
Wed Oct 22, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2342

Re: You may be getting charged rent for a router/modem you o

Wow, I feel your pain. Here in Central Texas we have a pretty small local provider called Grande Communications. About 5 years ago they came through and pulled fiber in my neighborhood and started to offer phone/internet/cable and the price was good enough that I dropped DirectTV and ATT and went wi...
by texasdiver
Tue Oct 21, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3961

Re: TSP

It's not just retired feds and beneficiaries. Any former Federal employee (retired or not) can maintain a TSP if they started one during Federal service and built the balance up past some minimal limit. I left Federal service 12 year ago at age 38 when my wife's job forced a relocation and career ch...
by texasdiver
Thu Oct 02, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 2704

Re: Changing a flight date

Lesson learned - buy tickets directly from the airline. Somebody else told me the same thing. Like you said, lesson learned. I haven't flown in a at least 5 years, but may be starting a time of frequent travel, so this loss is not a big deal, just a learning experience. Same applies to rental cars ...
by texasdiver
Thu Oct 02, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1638

Re: Slick Airline Ticket Phishing Scam

The slips for Fed ex are for overnight PACKAGES; just click to fill out the form for re-delivery (or whatever they claim) here is the warning from FedEx http://www.fedex.com/us/update2.html One of many from UPS http://www.ups.com/content/us/en/about/news/service_updates/fraud_alert.html about the U...
by texasdiver
Wed Oct 01, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Slick Airline Ticket Phishing Scam
Replies: 14
Views: 1668

Re: LED Flashlights

NEBO Redline. One of those will last you forever... I bought one for work (actually two since I dropped the first into a river, but at only $25ish it wasn't so bad) and it is perfect. Bright at a distance or close. Multiple brightness levels for different purposes. Small but still heavy. Tough as n...
by texasdiver
Wed Oct 01, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3779

Re: cost of raising a child by age group

To keep this on-topic (i.e., unlocked), this thread has to be about your situation. Not ours. I suggest you provide some more information about your personal situation. For example 0-5 can either be the cheapest or the most expensive years depending on your childcare costs. sorry about that. didnt ...
by texasdiver
Fri Sep 19, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2604

Re: So when/where does Alibaba show up in a boglehead portfl

Well, OK I just found the other thread on this topic

viewtopic.php?f=10&t=146970

But after reading the 26 replies I'm still not certain of the answer.
by texasdiver
Fri Sep 19, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: So when/where does Alibaba show up in a boglehead portflio?
Replies: 2
Views: 433

So when/where does Alibaba show up in a boglehead portflio?

If I understand the reporting correctly.... The Alibaba IPO on the NYSE is really sales in a Cayman Islands holding company that is supposed to share profits with the Chinese Alibaba. So....when and where Alibaba show up on the typical boglehead portfolio? Since it is on the NYSE is it going to show...
by texasdiver
Fri Sep 19, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: So when/where does Alibaba show up in a boglehead portflio?
Replies: 2
Views: 433

Re: Amazon's new e-reader Kindle Voyage

Paperwhite is great. I've had mine for a year using it at home, traveling, camping, etc. and never once noticed fingerprints from swiping. The screen is matt and hides fingerprints well. I don't feel any compulsion to buy the new Voyage but if I didn't already have a paperwhite I'd probably buy it. ...
by texasdiver
Fri Sep 19, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1354

Re: cost of raising a child by age group

I'm in the process of raising 3 girls currently ages 8, 11, and 16 We haven't done the math and I'm sort of scared to. But based on our experience I would say that the greatest cost years come during preschool when you are faced with preschool tuition and during high school when the costs of activit...
by texasdiver
Fri Sep 19, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2604

Re: How much you need to save as multiple of salary

Apples and Oranges here. For some people the 8x final salary number from Fidelity could actually be the same portfolio size as the 25x first year's withdrawal number cited by Schwab. Fidelity is providing a very rough rule of thumb of 8x your final salary which will seem low to most people on this b...
by texasdiver
Wed Sep 17, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6439

Re: Creating a permanent legacy?

When my wife and I updated our will recently we specified that Vanguard would be the trustee adviser for our estate trust that we would leave for our minor children. Basically they would be taken in by relatives but Vanguard would be managing the money until they each reach 30. Basically I'd rather ...
by texasdiver
Wed Sep 17, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Creating a permanent legacy?
Replies: 46
Views: 4282

Re: Buying a bounce house for personal use?

I've got 3 kids and it has never occurred to me to get a bounce house. Frankly they have enough opportunities to use them at birthday parties, school carnivals, and there is an indoor play center near our house that is full of these sorts of inflatable bounce houses and slides that we go to sometime...
by texasdiver
Wed Sep 17, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1835

Re: Good piano for toddler ?

Don't expect a toy piano to gauge her interest in music or piano. I have 3 kids and we have had various toy instruments...pianos, guitars, etc. Your toddler will prefer to make music on many of the various music apps on the computer or iPad if they are like mine. To get kids interested in music you ...
by texasdiver
Wed Sep 10, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Good piano for toddler ?
Replies: 13
Views: 873

Re: How often do you really change your email passwords?

My employer forces me to change all my work-related network and email passwords every 90 days. I take the opportunity to change all my personal ones at the same time.

And I also do 2-step verification for every account that it is offered (google, iTunes, etc.)
by texasdiver
Mon Sep 08, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 733

Re: Texas - Recommendation Where To Live

That's an interesting piece of journalism. Here are two quotes from it: … nearly two-thirds of Precinct 314 in West Austin voted Republican, with 65 percent voting for Mitt Romney and just 33 percent Nearly three-fourths of Precinct 314 voted straight party Republican in 2012; with 69 percent of vo...
by texasdiver
Sun Sep 07, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 3166
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