Search found 131 matches

by windaar
Sat Jul 04, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4411

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

Initiate the request with the receiving institution Yes. I did this when transferring funds from a pesky ML "advisor" and my MIL did the same when moving a funds from a high fee outfit to VG. One call to VG and I never heard from ML again. VG sent me all the paperwork to sign and took car...
by windaar
Wed Jun 10, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11271

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

My Dad taught me a huge lesson when mid-career he moved to a more fulfilling position at half the salary. He still earned enough to support the family, and once told me how fortunate he was to wake up each morning wanting to go to work. This influenced me to aim for a career in education (which I lo...
by windaar
Wed May 27, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6817

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

^^^Mine was in a Humanities field. It could not have been done much more quickly. First are 2 to 4 years of coursework, perhaps following Master's degree of a year or two. Then the qualifying exams, which can take more than a year. Then assembling a committee (not easy) and getting the prospectus ap...
by windaar
Wed May 27, 2015 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6817

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

I did my PhD over the course of almost a decade. I enjoyed what I was doing, life of the mind, and always making interesting new friends. I lived very frugally and made do with stipends and weird summer jobs. The degree made it possible to land a career in academia which is very fulfilling. For me i...
by windaar
Fri May 22, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 3335

Re: At what point does 529 make sense

It is a nice bucket into which grandparents can contribute if they want (and possibly get a state tax deduction as well).
by windaar
Fri May 01, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 90
Views: 6073

Re: Private Schools - Tuition

Many parents whose kids attend independent schools are not doing so for "results," such as a more likelihood of getting into a certain perceived level of college. They may choose the school for the positive experience. The school I am familiar with is safe. There is no bullying, teasing, r...
by windaar
Fri Apr 24, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3841

Re: Who still have Cable TV?

We've been off the cable for 9 years. We recently discovered Sling which for $20/mo gives us the channels we missed from Cable (ESPN, HGTV, A&E Food, Disney, Cartoon, etc.)
by windaar
Wed Apr 22, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: any experiences negotiating fences with neighbors?
Replies: 27
Views: 2644

Re: any experiences negotiating fences with neighbors?

My parents asked a neighbor if they would go half on a fence on the property line. They said no. So my parents put the fence a few inches on their side. Several years later, neighbors got a dog and then fenced their yard, attaching to my parents' fence, essentially adding to their property, which wi...
by windaar
Thu Apr 16, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 2878

Re: Proof vinyl has higher music ceiling than mp3?

Thanks, Tigermilk for the explanation. I hadn't Completely understood why some of my friends' state of the art systems sounded bad to me, used to vinyl/tubes. If the music is too perfect and crisp it just sounds shrill, cold, and dead, and, how you nicely put it, fatiguing.
by windaar
Thu Apr 16, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 2878

Re: Proof vinyl has higher music ceiling than mp3?

The book "perfecting Sound Forever" by Greg Milner (2009) is an extensive history of recorded music that explains the differences. Nothing sounds better than vinyl played through a tube amp. Have your skeptical friends over and then toggle between vinyl/CD/MP3 and between solid state/tube ...
by windaar
Wed Apr 01, 2015 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone been Daycare Poor before? Advice on our situation!
Replies: 27
Views: 3914

Re: Anyone been Daycare Poor before? Advice on our situation

When our kids were born we did the math and having us both work would not have been worth it. Add up all of the expenses (commute, new clothes, lunches out, as well as daycare) and see if this is your case. My wife became a SAHM for 7 years and when both kids were in school she got her old job back....
by windaar
Mon Mar 09, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 2202

Re: Thinking of buying electric shaver

Electrics always leave my face smarting. I'd echo the rec to try DE shaving which is inexpensive and satisfying. There is a site called badgerandblade.com that has helpful forums if you're interested in exploring this.
by windaar
Mon Mar 09, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Gray market dealer to buy a watch?
Replies: 2
Views: 567

Re: Gray market dealer to buy a watch?

I twice bought sterling silverware thru Jomashop and everything went great. If you ever buy a higher end greymarket watch you might want to contact them first to verify that the serial number will be intact. Sometimes GM items have SN removed or it is absent, which lowers value and resale possibility.
by windaar
Sun Mar 08, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 6300

Re: Just cut my cable bill...

Sling is a game changer. All my wife wants from cable is HGTV and you can watch shows archived from the last three days in addition to the live feed. Plus ESPN, Food, Disney, CNN. Kind of cable lite for $20/mo.
by windaar
Thu Feb 26, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 4585

Re: Should you tip when picking up takeout food?

I started tipping 10% a couple of years ago for takeout. It just seems right to me.
by windaar
Sat Feb 21, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 3277

Re: On line product reviews vs Consumers Reports

Not sure what you mean by online reviews since CR is online. What they mean is specific recent reviews of the product, down to the model #. The CR online reviews are "online" insofar as they are in the internet, but they are often outdated or only reference certain few models. I do subscr...
by windaar
Tue Feb 10, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Father passed away/Getting taking advantaged of by investor?
Replies: 17
Views: 2044

Re: Father passed away/Getting taking advantaged of by inves

This guy is a salesman who wants to make money off of you, just as a car salesman would. Nothing wrong with that, but his interests and yours are far apart, you just need to remind yourself of that. Eventually you can buy what you think is best, not what someone is selling to you. I second all above...
by windaar
Wed Feb 04, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 2673

Re: Advice on Selling Car with Manual Transmission?

Kids who want "tuner" cars (look it up) will eat that car up! They want manual Japanese cars.
by windaar
Tue Feb 03, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 2140

Re: Preventing Ice Build up in my roof gutters

For a permanent solution the attic needs to be the same temp as the outside. We had to have more roof vents added, soffit vents all checked, bathroom fans venting to the outside, all vent tubing in the attic insulated, whole house fan sealed during winter, and significant insulation added, and evene...
by windaar
Mon Feb 02, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 11425

Re: Approaching 50...What to expect?

I'm halfway from 50 to 60. Funny, the first things I was going to mention were "have lots of reading glasses" and "get a colonoscopy," and I was beaten to those! Watch as many sunrises and sunsets as you can, no matter where you live. We only get a limited number of those. Have o...
by windaar
Wed Jan 28, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3346

Re: Amazon Prime - good deal or calculated conditioning

We don't buy more on Amazon because of Prime; we joined Prime because we buy a lot of stuff on Amazon. With jobs and kids, time is scarce. No parking lots, no finding out a store is out of a needed item, no lines at checkout. Boxes on the front porch when we get home every day. Awesome.
by windaar
Wed Dec 31, 2014 6:19 pm
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 6118

Re: Best albums from 2014?

The Tony Bennett CD with LGG is a really great listen if you like standards.
by windaar
Tue Dec 30, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2418

Re: Getting Traditional Film Developed

It would help if you were still more specific. Do you want E6 processing, C41, traditional B&W? Are you simply having the film processed, or printed, or scanned, or ??? It also might help if you explained what aspect of the film photography process you want your kids to experience. What I appre...
by windaar
Tue Dec 30, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2418

Re: Getting Traditional Film Developed

Thanks, but maybe my original post was not clear. I am not asking if film photography is something you recommend. I am asking if anyone knows of a good resource for film developing. It is not as rare as you think; all Walgreens offer it. And it is not as obsolete as you think: http://www.wtsp.com/st...
by windaar
Tue Dec 30, 2014 7:49 pm
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2418

Getting Traditional Film Developed

I am considering going back to my 35mm film camera to show my kids how photography used to be done. My darkroom equipment is long gone, and of course I never did my own color film. Film is available on Amazon but I need advice on developing. Are there any preferred mail-in places for this or is Walg...
by windaar
Sun Dec 21, 2014 5:24 pm
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 10359

Re: How do you define "being rich"?

A wise person I know once said that you are rich if you have more than you need. As others have pointed out, it is all relative. Many poor in the U.S. are rich compared to the average person in Haiti. I am poor compared to the wolves of Wall St.
by windaar
Sat Dec 20, 2014 8:47 am
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 2088

Re: Is it safe to use a credit card at Target?

Get a Target Red Card and save 5% on everything you buy there.
by windaar
Sat Dec 20, 2014 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Stuck with TIAA-CREF-is there a Boglehead mix?
Replies: 20
Views: 1811

Re: Stuck with TIAA-CREF-is there a Boglehead mix?

All of my employer retirement funds are in T/C 401(a) and 403(b). For my fixed, I use TRAD. For equities, a mix of CREF STOCK and TREA. Done. TRAD may not be as inflexible as some fear. While my TRAD in the 401(a) cannot be withdrawn until eventual annuitization, the TRAD in my 403(b) has no limitat...
by windaar
Tue Dec 16, 2014 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Need to make estimated payment on Cap Gains windfall?
Replies: 2
Views: 436

Need to make estimated payment on Cap Gains windfall?

A partnership has unexpectedly given me 100K, much of which is gain. According to the IRS, I need to make an estimated payment if both of the following apply: -You expect to owe at least $1,000 in tax for the current tax year, after subtracting your withholding and refundable credits; and -You expec...
by windaar
Thu Nov 20, 2014 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 7159

Re: What to prepare for first baby due next month?

Have been through this twice. Get a bunch of paper plates, plastic forks & spoons, and Styrofoam cups. For the first month fewer dishes to wash; it will make a big difference.
by windaar
Mon Nov 17, 2014 5:50 pm
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 4073

Re: Experience with Target Redcard?

Have used one for 2 years. For me it is a quality of life thing. I enjoy the shopping (and checkout) experience at Target better than the discount chains or shopping clubs. The 5% discount makes up for the slightly higher prices.
by windaar
Fri Nov 07, 2014 6:41 pm
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 3174

Re: Oil change costs--dealer vs other

how much would it cost if I decided to do it myself? For about 3 years I decided to "save money" by changing oil myself. Had to buy ramps. Had to go to the store for oil. Hurt/burned myself every time. Getting to/changing oil filter = PITA. Always got oil all over myself, and was crawling...
by windaar
Sun Oct 26, 2014 6:59 pm
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 8944

Re: Bogleheads.org equivalents for other areas of life?

http://badgerandblade.com/

For the gentleman's shaving discussions and many other sub-forums such as liquor, coffee, etc.
by windaar
Tue Oct 21, 2014 9:49 pm
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 3936

Re: Shoes for Plantar Fasciitis?

Go to a Crocs store; there are many models that look like regular shoes but feel like crocs. They really help. That and the stretching that you can look up online.
by windaar
Tue Oct 14, 2014 11:38 am
Forum: Personal Consumer Issues
Topic: metal detectors?
Replies: 2
Views: 351

Re: metal detectors?

It is a fun hobby! You should check out this forum, which is packed with the info you seek:

http://metaldetectingforum.com/
by windaar
Sun Aug 31, 2014 10:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 990
Views: 157627

Re: What Movie Have You [Recently] Watched?

Recently saw Richard Linklater's "Boyhood" at the theater and was blown away. I hope that this is considered for an Oscar. It took 12 years to film this story of a boy growing from 6 to 18 years old. Many flourishes that remind the viewer of Linklater's past films such as "Slacker&quo...
by windaar
Sun Aug 10, 2014 7:32 pm
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11819

Re: Most Hated Brokerage Firm?

Hands down ML who sold my parents high-fee and redundant funds, then churned them, all under the auspices of being their "advisor," which my old-school parents believed.
by windaar
Sun Aug 10, 2014 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8740

Re: Fear of Disclosing Net Worth

Every so often T-C tries to bring me into their Wealth Management domain, but I resist. I had one meeting with a T/C WMA a few years back and was underwhelmed. The advisor kept mispronouncing (really) the company's name, and seemed to know less about the fine points of T/C fund details than I did. ...
by windaar
Thu Aug 07, 2014 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for a 10 year-old
Replies: 10
Views: 758

Re: Mutual Fund for a 10 year-old

This may negatively affect financial aid eligibility for college. The formula only counts up 2 to 5 % of parental assets but 20% of student assets. Parental retirement accounts are not counted at all. A 529 might be a better investment.
by windaar
Thu Jul 24, 2014 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 35
Views: 2920

Re: Mutual fund account with Vanguard or MerrillEdge?

Based on how they bled my Dad with their fees and "advice" I'd run screaming from any ML product out of principle.
by windaar
Fri Jul 18, 2014 8:21 am
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 7717

Re: Options/guidance for a lazy person to be fit

The 35 year old low-fat diet message, which has accompanied a substantial increase in obesity and diabetes, is being rethought by many authorities. As people cut out fat they replaced it with carbs and sugar. And the "fat free" label lets some people eat with abandon - my dad eating a whol...
by windaar
Thu Jul 17, 2014 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 4436

Re: Teacher Considering Career Change

Have you thought about teaching private school?

Since you are in MA maybe you should contact Carney Sandoe & Associates in Boston, a free placement service for private school teachers. There are a lot of private schools in the East and many pay a decent salary.
by windaar
Wed Jul 16, 2014 7:13 am
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2620

Re: boglehead botanists...is this poison ivy?

One good trick is that if the opposing leaves branch out of the stem at the same point, symmetrically, it is NOT PI. If they are arranged alternately, it MAY be. This helps rule out box elder and other common 3 leaved plants.
by windaar
Fri Jul 04, 2014 7:51 am
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 727

Re: Is this a Good Quote for a Porch Rebuild?

Thank you for the replies. Today I found that the old tiles come off pretty easily with a hammer & chisel, so I am going to take them off myself today as a 4th of July activity! Then I'll try to get some new numbers. The estimate did not break down materials vs. labor cost so I will request that...
by windaar
Thu Jul 03, 2014 6:19 pm
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 727

Is this a Good Quote for a Porch Rebuild?

I usually rely on multiple estimates but contractors (I think) are blowing me off due to a small and potentially tedious job. I have 50 square foot cement front porch & step covered with deteriorating tile. I want the tile and adhesive mortar removed and taken away, new multi tone custom cut til...
by windaar
Tue Jul 01, 2014 6:49 pm
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1500

Re: stamp collection

I have twice had to deal with estate stamp collections. Cancelled stamps are worth zilch and uncancelled stamps are worth face. Blocks, pages, worth no more. You probably won't find rare stamps because they are rare.
by windaar
Fri Jun 13, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Selling a Rolex Watch
Replies: 8
Views: 1618

Re: Selling a Rolex Watch

If it is running well I see no need to have it serviced. The price you are being quoted seems high in any case; I have had 2 overhauled in the last 5 years for under $600 (by authorized jewelers). In any case I think that you will get the best price with the least hassle on eBay, if you have sold it...
by windaar
Mon Jun 09, 2014 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 19
Views: 1505

Re: Inheriting an inherited IRA

I have been through this, and many hours with TIAA/CREF, my CPA, and lawyers. This was the conclusion; laws may have changed in the last 10 years:
IRA through Dad to Mom to me:
Mom's life expectancy, not mine.
by windaar
Sat May 31, 2014 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 26
Views: 3191

Re: Home security systems

We have been very happy with the big national company; we got a huge discount on installation and rates through a deal with our insurance company. I have known several people who have gotten a monitored system AFTER having their house broken into, the exact wrong time.
by windaar
Wed May 21, 2014 6:57 pm
Forum: Investing - Theory, News & General
Topic: Who are the "good" 403b providers.
Replies: 12
Views: 730

Re: Who are the "good" 403b providers.

TIAA-CREF offers some unique funds such as TIAA Traditional which guarantees 3% and TIAA Real Estate which unlike REITs owns actual property.

Go to advanced search