Search found 794 matches

by sls239
Fri May 20, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1425

Re: I got a home loan from Wells Fargo ; should I shop around?

You can have multiple inquiries for the same purpose within a 30 day period and it all counts as 1. But yeah, I think it is a little late for an early June closing, unless you have a local bank that can get it done quick. You do need to tell them you are planing a 20% down-payment. That might change...
by sls239
Fri May 20, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 3728

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

I think if the roof is already 16 years old, go ahead and get it replaced.

Ours is only 7 years old, so I'm torn. I'll probably try and do what pp said - wait as long as I can to still get the full replacement cost.
by sls239
Mon May 16, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20803

Re: Rich But Middle Class

Honestly, I have no way of knowing it OP's plan is a good one or not. It sounds to me like if the next couple years are good, then they can build up their assets and be fine. If things don't go as well, it may take 10 years to get into that same position. And if things go poorly, their expenses coul...
by sls239
Sat May 14, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4212

Re: National Universities rankings 25 to 75 - Highest priority

Since when are there 5 core subjects? I can guess math, science, social studies, and language arts, but what's the 5th? A foreign language? I'm not sure that matters as much. I would say that taking advanced classes in the 4 subject areas is a given if you want to get into a top 75 university. But t...
by sls239
Wed May 11, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Costco Car Rental-Any Experience
Replies: 25
Views: 2863

Re: Costco Car Rental-Any Experience

In the past I've bought a Costco membership pretty much just to get the discount on a single car rental. Unless things have changed, you can stack a coupon on top of the discount rate.
by sls239
Wed May 11, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3385

Re: Used car vs. new

I doubt I would buy the 2013 version of any of those cars today at the price you listed.

I'd either go for the 2014 version Corolla or Mazda 3 which are significantly updated or a new Civic. Unless you just luck into a used 2016 Civic. I suppose there are some somewhere for some reason.
by sls239
Wed May 11, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 50
Views: 4406

Re: Evicting a tenant-Hire lawyer?

You definitely need to talk to a lawyer. I think it is possible that the laws may be different if you haven't received any money. So if she tries to pay now, don't accept it, talk to your lawyer first.
by sls239
Wed May 11, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8148

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

Write up an offer that involves them moving out by the end of the month and make it an offer that is hard to refuse. Otherwise, you could find yourself trying to extract blood from a turnip. Keep your eye on the important goal - protecting the value of your asset and selling it with a minimum of exp...
by sls239
Mon May 09, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6501

Re: Gifted math program for 1st grade

Ask what they will miss during the pullout and how that will be handled. Ask if the math work done in the program replaces the regular math work or is in addition to the regular math work. And ask if homework and other expectations are significantly different beyond just the level of the work. I do ...
by sls239
Mon May 09, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code. How is that different from any other patent where the owner of the patent doesn't allow anyone to reprod...
by sls239
Mon May 09, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

There are two reasons one might buy organic. One is if you think the food is better. The other is to vote with your dollars. Consumer movements have been successful in the past - rBGH is the best example of this. The increased availability of organic milk allowed those who could afford it a choice. ...
by sls239
Thu May 05, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 7986

Re: Your age in bonds minus ten? Not according to Vanguard

I can think of a couple reasons that have nothing to do with theory: 1) They looked at their average shareholder and found that on average they were significantly behind and would need to take more risk to reach their goal. 2) They may believe that the set-up works better if people who want to be mo...
by sls239
Tue May 03, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 133
Views: 18631

Re: I bought the wrong car - know it after 15 days

Is it possible that you haven't adjusted the seat and/or steering wheel in your car properly?
by sls239
Fri Apr 29, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1052

Re: Local Major Bank Recommendations

One thing I like about Chase is that they make external transfers very easy. I could even set up my son's custodial savings account at Chase to get transfers online from his custodial savings account at another bank. There was a phone call involved - but they called me.
by sls239
Fri Apr 29, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6029

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

The 2016 Accord meets my criteria for a vehicle that makes sense to purchase new. It isn't a full redesign, but it is a "refresh" and it has two options not available on 2015 models - Android Auto / Apple Carplay compatibility and the sensing package. That said, everything you said about y...
by sls239
Thu Apr 28, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 9767

Re: Are females just not interested in investing in general or is it just the women that I date?

Just because someone wants to spend a few extra bucks on HD doesn't mean they are likely to go out and blow an extra $10K on a car. So either you are reading way too much into some small decisions, or there is meaningful information missing from your explanation. While nearly everyone emotionally be...
by sls239
Wed Apr 27, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12297

Re: I Hate My Job: Politics at Work (Advice Needed)

I find that the best antidote to unprofessional behavior in others is to increase the professionalism of my behavior. I'm not a big career person, but this has been beneficial in a wide array of situations. If you are worried about people taking credit for your work and ideas, why not take a little ...
by sls239
Sun Apr 24, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage instead of buying bonds
Replies: 33
Views: 3174

Re: Paying off mortgage instead of buying bonds

If all you do is pay down your mortgage, where does that leave you when you decide you want to upgrade your housing in 10 years? Being only 30, I strongly suggest you consider doing both - keeping bonds in your portfolio and paying down your mortgage. That keeps it clear which money is for retiremen...
by sls239
Sat Apr 23, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 10409

Re: Any stay at home parents regret the decision?

I would totally work 10 hours a week. In fact, I picked up a job when DS entered kindergarten that was advertised as part-time temporary. But the first week they wanted over 40 hours, and it went up to 55 before I gave notice. And please don't assume anything about SAHP with help. I have a friend wh...
by sls239
Fri Apr 22, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Quick, healthy dinner resources and tips
Replies: 15
Views: 1439

Re: Quick, healthy dinner resources and tips

Teach the kids to help. They can wash, shuck, peel, etc. Grow some herbs so that they are on hand. Options for adding vegetables to a meal quickly: 1) Use frozen - like corn or peas 2) Add quick cooking vegetables - like zucchini - to a pan sauce 3) Roast 1" pieces of slower cooking vegetables ...
by sls239
Wed Apr 20, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 10409

Re: Any stay at home parents regret the decision?

Yes and no. Honestly, I think I should have gone back to work for the first two or three years (or perhaps waited an extra 2 or 3 years before having a child.) I say this because I think babys' needs are pretty simple and I think those extra years would have solidified my just-getting-started career...
by sls239
Mon Apr 18, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20652

Re: Soapbox (car safety features)

When it matters-when you are making a lane change-can you turn your head and look? If you can do this-why should such a feature be mandatory? Actually you don't always have time. Just the other day in town a semi started coming over into my lane. My escape route was the center lane but because ther...
by sls239
Sun Apr 17, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 35
Views: 5429

Re: Now i get it - mortgage payoff

If something had happened to your income, do you think the government would be paying your mortgage?
by sls239
Sun Apr 17, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 11318

Re: mortgage pre payment, why?

90% of people aren't like you. They don't live in CA, they aren't paying $4K / month. Most people don't even itemize on their taxes so they aren't getting their mortgage interest subsidized by the government. And they don't live in the same house for 30 years, so they aren't getting the inflation he...
by sls239
Sat Apr 16, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20652

Re: Soapbox (car safety features)

My 2013 Mazda 3 has blind spot detection. And it definitely can do something I cannot. I cannot stare unblinkingly at my blind spot while driving down the road. It can. Sure I can check my blind spot, but checking is not the same constantly looking. And for anyone interested, the lane departure and ...
by sls239
Thu Apr 14, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4771

Re: My neighborhood is too quiet (and no kids)

Well the area is unincorporated and the taxes are low so it attracts those who are not looking for public amenities. And don't count on it turning over anytime soon if the residents are more in their 60s and not their 80s. We just moved last November and I bought a house basically in a kid-oriented ...
by sls239
Thu Apr 14, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 5407

Re: grateful for any input on a major, urgent real estate decision

The only negative you mention about the house is the size. And you know this house, as you've been living in it. Quite frankly, if you like where the house is located, the quality of the build and everything else, it is probably worth stretching a bit. The thing with being a renter - especially a re...
by sls239
Tue Apr 12, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7981

Re: Chase Freedom Unlimited card 1.5% back + bonus

One complicating factor is that paying with points seems to provide certain modest benefits over paying with money. For example with Southwest, should you cancel the points go right back in your account with no time limit for using them (with cash you have 12 months to use the credit from a refund)...
by sls239
Mon Mar 21, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Importance of parental involvement in education.
Replies: 31
Views: 2535

Re: Importance of parental involvement in education.

There is a practical aspect you need to consider. If you do not outright homeschool, the student will be in school for most of the day. If there are significant deficiencies at the school, it is very difficult to make up for them in the few hours they have left. So it is very important to discover i...
by sls239
Wed Mar 16, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Finance Help
Replies: 30
Views: 2186

Re: Mortgage/Finance Help

I don't think you should go into this thinking that it is just until they are in school.

Some parents decide that being there for their middle school aged child, when their needs are more complex, is even more important than being there to change the diapers.
by sls239
Tue Mar 15, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 5352

Re: Should I have my kids participate in school fundraisers?

I think a direct donation is a good idea. But also realize that if they are relying on those types of fundraisers, it is probably due to a lack of manpower. So volunteering can help the PTO be able to move away from that and toward more profitable ones. I know schools that have had auctions in which...
by sls239
Tue Mar 15, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard won't complete a transfer What do i do?
Replies: 27
Views: 4315

Re: Vanguard won't complete a transfer What do i do?

Can you do a conference call with the lawyer, the executive response person, and you?

And then ask for an e-mail address for the executive response person, and request that you also be CCed on any communication between the other two parties.

That way everyone is working off the same information.
by sls239
Tue Mar 08, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2973

Re: Anything to look for when buying a fridge?

I've bought a Kenmore Elite twice in the last 3 years or so. Once at our old house, and then the buyers specifically asked for the fridge to convey, so then again at our new house. One thing I really like are the shelves that slide in halfway. The Kenmore elite has 2 of these, and it was the only on...
by sls239
Thu Mar 03, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Using electronic lock box when selling house
Replies: 28
Views: 1683

Re: Using electronic lock box when selling house

Just because you are issued an electronic lock box doesn't mean it has to be available all the time. I had a lockbox, but would bring it inside if I was home with no showings scheduled. And no, you really really shouldn't be there when the buyers are there. At all. If a buyer thinks you are going to...
by sls239
Mon Feb 29, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling has decided not to pay for college for his future children
Replies: 47
Views: 3558

Re: Sibling has decided not to pay for college for his future children

You are worried about him paying for college ? What if the baby ends up in the NICU? I'm not going to say "not your circus" because I don't believe many people would just sit by and watch a child suffer if their true needs were not being adequately met. But I think you need to frame the di...
by sls239
Fri Feb 26, 2016 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth, Traditional, and the 15% Tax Bracket
Replies: 70
Views: 6006

Re: Roth, Traditional, and the 15% Tax Bracket

You could do the match in the 401k first, and fund your Roth Jan-June because chances are you won't be able to deduct a TIRA for yourself, or if you could, that means your income is lower and you probably want the Roth anyway. Then midway through the year, when you have a better idea, adjust the 401...
by sls239
Thu Feb 25, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 9150

Re: Quitting college

Well just going off the fact that a year ago this is what you wanted... Going back to school is tough. I would be surprised at anyone who didn't consider quitting about 1 year in. I suspect that has more to do with how you feel right now than the possibility that you "aren't college material.&q...
by sls239
Wed Feb 24, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: New kid: new car needed?
Replies: 24
Views: 1182

Re: New kid: new car needed?

Which car seats you select are going to affect how well they fit into each vehicle. And it will be much cheaper to buy the right car seats than to buy a new car.

I suggest running your scenario by the Car Seat board at BabyCenter. http://community.babycenter.com/groups/ ... _questions
by sls239
Mon Feb 22, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5550

Re: Sickened by Dole Salad Mix

It is a little like the difference between airplane crashes and car crashes. What is that difference? L. Publicity. If you are wondering why they didn't push the tests to confirm the diagnosis, my guess is that it wouldn't have affected her treatment. So on the health care provider side, the case f...
by sls239
Sun Feb 21, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5550

Re: Sickened by Dole Salad Mix

And I know it seems like packaged foods have lots of problems, but people are still more likely to contaminate foods in their own kitchen.

It is a little like the difference between airplane crashes and car crashes.
by sls239
Sun Feb 21, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5550

Re: Sickened by Dole Salad Mix

Absolutely if you think you have listeria you should get a lab confirmation. If they confirm it as listeria, they are required to report it to the health department, who generally will take the isolated culture and perform PFGE so that they can know exactly which strain it is. It is that strain iden...
by sls239
Tue Feb 16, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Coverdell ESA tax liability
Replies: 4
Views: 289

Re: Question about Coverdell ESA tax liability

The money will be distributed to the beneficiary when the beneficiary reaches age 30 and they will owe the taxes and penalty.
by sls239
Tue Feb 16, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Resale shop and clearance pricetags
Replies: 10
Views: 1016

Re: Resale shop and clearance pricetags

Look - just don't question $5 pants.
by sls239
Tue Feb 16, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: At what age for video games?
Replies: 29
Views: 2074

Re: At what age for video games?

I think DS was about 6 when we first let him play on the Wii U. I learned really quick to strictly limit the time. Because playing too long meant complaints and a bad mood when it was time to stop. Our first successful time interval was actually just about 15 minutes. DS is 9 now and he can play abo...
by sls239
Tue Feb 16, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to save money and keep the house clean?
Replies: 48
Views: 5672

Re: How to save money and keep the house clean?

So the basics - Change the HVAC filter often - like once a month if you live in a dusty area. You don't need the super fancy filters, just the ones that will get dust and pollen. Store things like video games, small toys, art supplies, and spare toiletries in boxes with lids that are easily dusted u...
by sls239
Sun Feb 14, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 54
Views: 5495

Re: -24% Return over 2 years

My guess is that the company puts their match and / or profit sharing in as company stock. I'm not sure exactly how that is causing the numbers you see, but I suspect it is related to that. Also, the Personalized Rate of Return FAQ it says it uses the "Modified Dietz method" to which they ...
by sls239
Thu Feb 11, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 12208

Re: Anyone travel without hacking?

We don't. DH doesn't get rewards for his business travel. And we live 2 hours from a decent airport, so our normal traveling doesn't involve flying. Even if I lived closer to an airport, I would avoid United. We actually have a flying trip coming up in about 7 months and we booked a United flight. T...
by sls239
Tue Feb 09, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 3699

Re: Math and Computer Science

To add to the possible alternatives -- Library science, Geographic Information Systems
by sls239
Thu Feb 04, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: New Principal Financial Group 401k
Replies: 15
Views: 1308

Re: New Principal Financial Group 401k

If you are over-thinking it, so did I. DHs new employer (since October) has Principal for their 401k administrator. I saw the same disclosure about separate accounts and market turmoil and fees. But our plan documents don't show any separate account fee as being passed through to the participants, s...

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