Search found 12215 matches

by Rodc
Fri May 27, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 15
Views: 1955

Re: How to respond to contractor's demands?

If you've already "blown up" at someone, refused to pay bills, informed him how he should run his business, and also told him that you would be using him in the future, I'm not thinking you're on his "A" list of customers. And you delayed the job because you could not figure out...
by Rodc
Fri May 27, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 15
Views: 1955

Re: How to respond to contractor's demands?

Seems there are issues on both sides: If you told me to replace the roof on your house I would not have replaced the roof on your detached garage either. He had poorly written contracts but you read them and agreed to them. You knew things were never settled and just hoped he would go away - you sho...
by Rodc
Fri May 27, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: College Grad - Return to School for More Income?
Replies: 31
Views: 1625

Re: College Grad - Return to School for More Income?

If you check out nursing let us know what you find. My understanding is it is a very stiff degree, likely rather harder than criminology and much more science based. And very hard to get into, at least at good schools. I don't think, though I could be wrong, that you could just sign up from your bac...
by Rodc
Fri May 27, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 22
Views: 795

Re: Best Saw Blade to Purchase for this DIY

Cutting off an installed newel post will be challenging. I would go manual. A back saw and miter box might work. If you can't find a miter box that works, you could make a simple jig out of angle aluminum or channel aluminum. Cut a slot into the aluminum (with your miter saw and appropriate blade) ...
by Rodc
Fri May 27, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on chemist going back for chemE?
Replies: 20
Views: 1094

Re: Advice on chemist going back for chemE?

You are probably correct in that near term is likely to only to be 15-20% bump and also the major diffence being engineering not BS vs MS. She did consider a second BS, the problem is taking it half time would probably be 6 years total and require getting long-term permission to have funky work hou...
by Rodc
Fri May 27, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on chemist going back for chemE?
Replies: 20
Views: 1094

Re: Advice on chemist going back for chemE?

I think a year's lost wages is a tough hurdle to clear. She must net something like $45K in salary so adding the $15K in tuition that is $60K. From the link up thread it looks like a salary increase of $10K or even $20K is realistic. Pretty good return on the investment if you ask me. Agree with th...
by Rodc
Fri May 27, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 22
Views: 795

Re: Best Saw Blade to Purchase for this DIY

Cutting in place makes this more challenging. I am not sure just what these look like. If the result is a tiny flat surface on top of a flatish surface that is easy to sand you have one situation. If you want to end up with a complicate faceted surface you have a different situation. A picture might...
by Rodc
Fri May 27, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 22
Views: 795

Re: Best Saw Blade to Purchase for this DIY

Blade best use is determined by the shape, size and set of the teeth. But mostly you can get by knowing if the blade is designed to crosscutting or with the grain (ripping) or is some jack-of-all-trades-master-of-none hybrid. http://www.woodcraft.com/articles/691/choosing-the-right-table-saw-blades....
by Rodc
Fri May 27, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 98
Views: 4687

Re: Painting House Interior - How easy to do it yourself?

Caulk is hard to apply well, and probably only needed in limited situations. Probably not necessary for most beginners on a small job, IMO. A bit of sandpaper is nice for a few reasons - probably especially for smoothing any holes you need to spackle. For an old house, be aware of possible lead pai...
by Rodc
Fri May 27, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 98
Views: 4687

Re: Painting House Interior - How easy to do it yourself?

More generally, I would say, if in doubt, try it. Initial costs are basically: 1) Enough paint to do a single room (perhaps 2 gallons at $25/per) 2) A roller and pan (~$10) 3) A brush for cutting in the edges and general touch up (~$6) 4) Masking tape ($4) 5) A drop cloth (~$20?) 6) Old clothes (fr...
by Rodc
Fri May 27, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 98
Views: 4687

Re: Painting House Interior - How easy to do it yourself?

Professionals come at all quality levels. I worked off and on, more off than on, as a painter in my 20s. I saw some amazingly bad work and some amazingly good work and a lot in between. Simply hiring a professional does not guarantee better results than you might get yourself, especially if you are ...
by Rodc
Thu May 26, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 59
Views: 4686

Re: Bernstein says emergency fund part of your "asset allocation?"

grunching here, but if you have $500k in non-house assets............. can you not put it all in SPY or 70/30 SPY/VUSTX and then sell some off for emergency purposes? i know that maybe that would be terrible time to sell but holding back 8% of your assets in cash through many years will have harmed...
by Rodc
Thu May 26, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 59
Views: 4686

Re: Bernstein says emergency fund part of your "asset allocation?"

I haven't picked up Four Pillars in a few years, so this motivated me to grab it and check out Bill's thoughts on the topic raised in the OP. I just finished reading it and I got the impression he was referring mainly to retirees when he said that. I'll have to double check. We've already "los...
by Rodc
Thu May 26, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Why is social security paying so low?
Replies: 49
Views: 5486

Re: Why is social security paying so low?

Don't forget to factor in the cost of the disability insurance (keeps one friend of mine off the streets) and cost of the life insurance for your kids (have known more than one child to benefit). You also have to factor in your employer's contribution. I did mine and if I would have invested in an ...
by Rodc
Wed May 25, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: 4% of what?
Replies: 5
Views: 790

Re: 4% of what?

It is applied the same.

Just remember to then take out any taxes that will have to be paid.
by Rodc
Wed May 25, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why is social security paying so low?
Replies: 49
Views: 5486

Re: Why is social security paying so low?

I have been looking at the retirement estimate calculator in sec.gov site and I tried the highest earnings possible for 35 years The result was $2,663 per month if I retire at 62 years old. Don't you think it is too low given a person is contributing the highest possible? I choose $118,500 as the i...
by Rodc
Wed May 25, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do Households Save More When the Kids Leave Home?
Replies: 7
Views: 786

Re: Do Households Save More When the Kids Leave Home?

gasdoc wrote:I wish the article gave more data. Could the increase in expenses be related to college costs?

Gasdoc



Or helping kids get started?

The comment about 401K not going up due to no headroom might play a role but I don't think too many people are maxing out 401Ks.
by Rodc
Wed May 25, 2016 6:51 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 59
Views: 4686

Re: Bernstein says emergency fund part of your "asset allocation?"

Cash is certainly an asset (clearly not a liability!) and therefore part of your asset allocation whether you want to factor it in or not. But it probably does not matter very much one way or the other. I mean, do you really know your optimal asset allocation between stocks and bonds to better than ...
by Rodc
Wed May 25, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 98
Views: 4687

Re: Painting House Interior - How easy to do it yourself?

Yes and no. I have seen some really bad do-it-yourself paint jobs. But then the painter might have been pleased as punch with their work. It really depends - some people think Bud is a great beer while other if they accidentally pick up a Bud spit out. Same with craftsmanship or many other things. I...
by Rodc
Mon May 23, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 2455

Re: Ineffective/Dangerous Sunscreens

SPF numbers are misleading. One would think that SPF 30 provides twice as much protection as SPF 15, but in reality it is much less than double. I'm not sure why one would think that the SPF scale is linear in some sense unless you read its specification. But in any case, it is roughly linear in tw...
by Rodc
Mon May 23, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2214

Re: Running in new pair of shoes

As a runner and a hiker for 37 years I would say that the shoes should feel good as is. In this day and age there should be no need to break in shoes. However I would still walk around in them for a while beforehand. It is a 10k race. That is not overly long. Hardly enough time to get blisters unle...
by Rodc
Mon May 23, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2214

Re: Running in new pair of shoes

At that distance, especially if a non-elite Joe Blow runner you could likely get away without really checking them out first, but it would give you zero advantage so why would you?
by Rodc
Sun May 22, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

When a rich kid isn't productive, we blame it on the money (squandered opportunities). When a poor kid isn't productive, we blame it on the lack of money (i.e. limited opportunities) ;) Nicely put! While cute, what is missing is in both cases the amount of money under discussion is on the extremes ...
by Rodc
Sat May 21, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4197

Re: Amazon has no head to head competitors?

It occurs to me lately how many of my discretionary dollars go to Amazon, strictly based on convenience, not price. I don't like to shop most retailers in person and I loathe standing in a return line even more. I know Amazon will take back anything I buy from them and often, even after 30 days...I...
by Rodc
Fri May 20, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

As a parent I will have failed if my children don't do better then me and I don't do better then my parents. My grandparents and parents benefitted from receiving inheritances and it didn't change them. They still worked hard and didn't become lazy ungreatful parasites to society. We have been luck...
by Rodc
Fri May 20, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

When a rich kid isn't productive, we blame it on the money (squandered opportunities). When a poor kid isn't productive, we blame it on the lack of money (i.e. limited opportunities) ;) Nicely put! While cute, what is missing is in both cases the amount of money under discussion is on the extremes ...
by Rodc
Fri May 20, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

I don't feel a need to ponder this. My wife and I will spend whatever money we have saved to live whatever lifestyle we choose. When we die, whatever money is leftover will be inherited. That could be millions of dollars or zero dollars, depending on when we die and how much we needed to spend when...
by Rodc
Fri May 20, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

I have not read the thread, but plunging in. I plan to give my children a fine upbringing including a college education if they so desire. The goal is to provide them the understanding and tools to be successful, as did my parents. I also hope to live long enough that by the time I die any money I m...
by Rodc
Fri May 20, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?
Replies: 95
Views: 7843

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

Can she not work and support herself? 62 and in good health seems way too early for a parent to move in, in this day and age. Even if she moves in with you, I think you should require her to work some, or at least heavily contribute to the family in some form. This is his MOM! OMG, we will never be...
by Rodc
Fri May 20, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Acting like a boss!
Replies: 21
Views: 1629

Re: Acting like a boss!

My wife is a long time high school teacher. Telling people what do has apparently become quite in-grained (and it does not stop with the kids). :) Let the family know you recognize this is an issue and that they can speak up when it gets out of hand. Then listen. Good luck. PS while parents are the ...
by Rodc
Fri May 13, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Retire Early -or- Not At All
Replies: 31
Views: 3443

Re: Retire Early -or- Not At All

FWIW: My father "retired" from a Federal job at age 57 after it became a very unpleasant place to work. Not too long after he tried a few different part-time jobs and finally hit on teaching at the local community college. He taught for 17 years and really enjoyed it. Only stopped when hea...
by Rodc
Thu May 12, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Endorsement: Henckels knives
Replies: 32
Views: 3657

Re: Endorsement: Henckels knives

Leeraar wrote:So, if you use your kitchen knives to shave, what do you use to cut chicken?

L. :P


Sheers.

Oh, wait, those are for beard trimming...
by Rodc
Thu May 12, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: The Best Reader Sunglasses
Replies: 20
Views: 838

Re: The Best Reader Sunglasses

But if I'm willing to live with the glare that non-polarized sunglasses provide, am I potentially harming my eyes more than if I got the polarized...or is it just an annoyance? 30 seconds with Google provided mixed information. :) They do allow you to see more clearly in glare situations which may ...
by Rodc
Thu May 12, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: The Best Reader Sunglasses
Replies: 20
Views: 838

Re: The Best Reader Sunglasses

I have a pair from LL Bean - great classes for the money. http://www.llbean.com/llb/shop/51527?feat=sunglasses-SR0&page=polarized-performance-bifocals-small I am now using a pair of Maui Jim sunglasses with glass lens my wife bought me, and I have owned ~$140 Oakleys in the past, as well as othe...
by Rodc
Thu May 12, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Endorsement: Henckels knives
Replies: 32
Views: 3657

Re: Endorsement: Henckels knives

I like these knives: http://www.samsclub.com/sams/bakers-chefs-cook-s-knives-2-pk/prod5250044.ip?pid=_CSE_Google_PLA_Cutlery&source=ifpla&CAWELAID=730010300000671331&adid=22222222627000039973&veh=sem Less than $14 and I can sharpen them well enough to shave with. How do BH sharpen t...
by Rodc
Wed May 11, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4165

Re: Keep Twins in Same Class for Kindergarten?

OP Here...thanks for the responses. From what I've heard, twins are (by default) separated at school unless you request otherwise. Both of them are a little shy initially and somewhat apprehensive, but settle in pretty quickly each day. They go to a preschool together now and the teacher says that ...
by Rodc
Tue May 10, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4165

Re: Keep Twins in Same Class for Kindergarten?

My twins are now 15 so take this for what is worth. Standard educational policy is to split them up so that they can better grow into their own little selves. In our school system this was true, though if parents pressed the issue they would keep them together. Few if any parents did and we have lot...
by Rodc
Tue May 10, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Drill chuck only accepts 1/4" hex bits
Replies: 17
Views: 1164

Re: Drill chuck only accepts 1/4" hex bits

Nice. Thanks for the follow up.
by Rodc
Mon May 09, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Drill chuck only accepts 1/4" hex bits
Replies: 17
Views: 1164

Re: Drill chuck only accepts 1/4" hex bits

For general drill uses I would not keep it. If you plan to use it more as a driver then it would do those duties fine. For a cordless drill with a true chuck I use a 18v Dewalt with Lithium Ion batteries and I couldn't be happier. +1 If you have a regular chuck, you can always put in a hex driver. ...
by Rodc
Sun May 08, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: One job offer, what should I do??
Replies: 45
Views: 4233

Re: One job offer, what should I do??

Glad to hear it worked out so well.
by Rodc
Wed May 04, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6038

Re: Buying a New Car...Is it Unwise?

I don't feel the need to check those things, which frankly seem borderline neurotic. I guess I have more important things to spend time on. If the autopay screws up its not like the lender can blame their broken autopay on me. Once the loan is paid the title shows up at my door. Are you saying that...
by Rodc
Wed May 04, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Fingernail Polish on my carpet, call leasing office?
Replies: 11
Views: 1317

Re: Fingernail Polish on my carpet, call leasing office?

Google provides many sites that claim to tell you how to remove fingernail polish from carpet.

You could try one small spot and see how it goes.
by Rodc
Wed May 04, 2016 8:54 am
Forum: Investing - Theory, News & General
Topic: Reasonable Firecalc Assumptions and Results?
Replies: 22
Views: 2602

Re: Reasonable Firecalc Assumptions and Results?

working to age 65 and dying at age 65 and 3 months would be an example of "working too long". Three months of retirement is about right. Throughout human history most people worked until shortly before they died. When they stopped working they stopped eating. Certainly true. I confess I a...
by Rodc
Tue May 03, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3822

Re: Sunscreen

But for those of us with an abundance of testosterone clear spray-on sure works much easier than lotion. Curious, is this in reference to body hair? Yes. I actually suspect lotion is better than the clear spray for protection, but rubbing in the lotion is very difficult. I have from time to time se...
by Rodc
Tue May 03, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6038

Re: Buying a New Car...Is it Unwise?

I don't feel the need to check those things, which frankly seem borderline neurotic. Spending time arguing about the value or not of paying cash that earns almost nothing in a savings account vs a loan that cost almost nothing seems pretty neurotic as well. :) Do you really care? Does it really mat...
by Rodc
Tue May 03, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 144
Views: 17947

Re: Who else hates choosing a car?

If one gets hung up confusing needs with wants, and gets hung up looking for perfection, buying a car is hard. If you remember that what you need is something with 4 wheels, an engine, a steering wheel, brakes and some modest amount of room perhaps, and the rest is wants, and further you remember th...
by Rodc
Tue May 03, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 144
Views: 19738

Re: Bought wrong car - Revision - ES350 advice

Did you think about replacing the seat with an aftermarket seat of some sort? Or taking it to a specialty upholstery shop who can make adjustments to the cushioning/bolstering for you? Also the existing seat might break-in for you, kind of like a new pair of shoes that might hurt for a little bit. ...
by Rodc
Tue May 03, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: A question about simulators' failure rate
Replies: 6
Views: 693

Re: A question about simulators' failure rate

Whether historical based or assumed distribution based, you run N scenarios, say 10,000. You run out of money in M scenarios, say 743, before you hit the ending point, say 30 years. The failure rate is then 743/10,000 = 7.43% The simulator might use asset classes, but would not (as far as I have eve...
by Rodc
Tue May 03, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3822

Re: Sunscreen

I have no idea why anyone wouldn't use spray on. Because most of it ends up in space, not on your body. A great boon to the manufacturers! Probably destroys the ozone layer on its way. Not with modern propellent. My joke must have flown under the radar. Sunblock that blocks UV destroys ozone, which...

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