Search found 144 matches

by windaar
Sun Aug 23, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Ways to reduce basement humidity
Replies: 20
Views: 1725

Re: Ways to reduce basement humidity

The newer good dehumidifiers have digital hygrometer readouts. You just set for the desired humidity, which in a basement would be 50% or 55% and then it turns on and off as needed. You never have to turn it off - if the humidity is low it just remains off. If you run a hose to a drain, no need to e...
by windaar
Tue Aug 18, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Advice please: Professionally wall mounting a TV and 5.1 sound
Replies: 22
Views: 1443

Re: Advice please: Professionally wall mounting a TV and 5.1 sound

I will probably buy the TV from Best Buy Be warned that BB quietly shortened their return period from 30 days to 15 days. I waited more than 15 days to install my TV after buying it and it had a screen crack with no impact point. BB refused to replace it since it had been more than 15 days. The TV ...
by windaar
Sat Aug 15, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5192

Re: General Finance Strategies for Upper Middle Class

And how the heck do professors and doctors get put in the same category? Sociologists define the social classes with a combination of income, education, occupation, and to some extent culture. It is not just income. A professor in Manhattan earning 50K is in a higher social class than a truck drive...
by windaar
Fri Aug 14, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Saving a tree when installing a septic drain field
Replies: 5
Views: 398

Re: Saving a tree when installing a septic drain field

Not an expert, but I can share with you that my field was dug about 10 to 15 feet from the base of 2 older oak trees about a decade ago and the trees have been fine.
by windaar
Fri Aug 14, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5192

Re: General Finance Strategies for Upper Middle Class

Sociologists usually define UMC as self-directed professionals such as doctors, lawyers, professors, etc. In the U.S. it is more of a professional, and lifestyle, designation than an income designation. To answer the original question, I think that one of the biggest challenges of a person in the UM...
by windaar
Tue Aug 11, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Garage door fine, but keypad not working
Replies: 19
Views: 1159

Re: Garage door fine, but keypad not working

It is most likely the battery. Mine had an old 9v in it. See if there is a slot on the bottom that you can pry/twist with a screwdriver to pop the case open.
by windaar
Mon Aug 10, 2015 7:07 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6275

Re: Buying a Rolex Watch

Submariner / sports watches and the like - yeah, I think they're faddish The Submariner has been around since 1954 and isn't going anywhere; it is a classic. One reason that fine watches will be around for a while is that, besides a wedding ring, the wristwatch is the only piece of jewelry that a g...
by windaar
Sun Aug 09, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 5982

Re: Former Housemate Owes Money - What to do?

Too late for the 0P but perhaps a lesson to the rest: in grad school I stopped putting any bill in my name when I had housemates. That was the only way to avoid holding the bag. Oh, and I paid every penny owed, I always did my dishes too and left other people's beer in the fridge alone.
by windaar
Sun Aug 09, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Anti-smartphone [basic phone + paper planner & address book] anyone??
Replies: 42
Views: 3012

Re: Anti-smartphone [basic phone + paper planner & address book] anyone??

I use a pay as you go flip phone, less than $100/year, a legal pad, and a wifi iPad. I am a busy professional and this has not impeded my work at all. In waiting rooms, on park benches, in restaurants, I don't have my head in a permanently downcast position. I enjoy thinking, daydreaming, and watchi...
by windaar
Thu Aug 06, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref 403(b)
Replies: 26
Views: 1374

Re: TIAA Cref 403(b)

It generates 3% return, which will wash away by inflation.

Not exactly for everybody. 3% is the guaranteed minimum; funds may end up paying more. (Mine pays more than 4%). And it compounds tax-free. Inflation is a factor, but so might the volatility of bonds for some investors (like me).
by windaar
Thu Aug 06, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6275

Re: Buying a Rolex Watch

I don't think you should view a Rolex as an investment, but as something you should enjoy. That said, they do hold their value, and my 2 Rolexes sell used for more than I paid for them in the 2000s. (Save box, papers, and orig sales slip in case you ever want to resell, will go for more and attract ...
by windaar
Thu Aug 06, 2015 7:05 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref 403(b)
Replies: 26
Views: 1374

Re: TIAA Cref 403(b)

Not sure I understand the limiting position in which the OP finds himself. My T/C 403(b) TRAD funds are completely liquid and I can move then around when and how I wish. My 401(a) TRAD funds are the ones locked into the 9 year rule. BTW I use TRAD for all of my fixed allocation. For me the 4%+ inter...
by windaar
Thu Aug 06, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports Makes Significant Changes to Car Buying Service
Replies: 19
Views: 2622

Consumer Reports Makes Significant Changes to Car Buying Service

I learned this the hard way this week. CU has quietly dropped the old reliable $14 car price report, and replaced it with a "Build & Buy" service partnered with the truecar.com company. At one point in the car search they ask for your telephone number. You cannot go forward without ent...
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: 4476

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: 11417

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: 6864

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: 6864

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: 3392

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: 6132

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: 3913

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: 2686

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: 2904

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: 2904

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: 3962

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: 2280

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: 606

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: 6445

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: 4679

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: 3346

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: 2046

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: 2721

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: 2155

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: 11563

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: 3366

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: 6145

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: 2453

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: 2453

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: 2453

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: 10412

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: 2090

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: 1835

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: 438

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: 7170

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: 4087

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: 3208

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: 9046

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: 3994

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: 358

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: 1045
Views: 173244

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: 11887

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.

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