Search found 781 matches

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: 93
Views: 5774

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: 939

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: 63
Views: 4749

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: 8712

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: 105
Views: 10801

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: 3063

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: 9220

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: 1346

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: 9220

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: 202
Views: 9332

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: 5090

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: 10331

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: 202
Views: 9332

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: 4592

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: 4962

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: 7710

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: 2423

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: 2065

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: 5093

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: 4215

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: 2896

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: 1619

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: 3473

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: 5874

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: 8852

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: 1142

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: 5467

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: 5467

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: 5467

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: 271

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: 998

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: 1988

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: 5476

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: 5423

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: 11581

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: 3610

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: 1246

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...
by sls239
Thu Feb 04, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7747

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Buy your wife a nice make-up mirror that is lit all the way around.
by sls239
Tue Feb 02, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 2211

Re: Giving to vs. saving for charity

If you save / invest the money, you are only going to get the stock market return on that investment.

Most worthy charities get a much better ROI than the stock market.

So my opinion is you should give as soon as you feel you can part with the money.
by sls239
Tue Feb 02, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 17047

Re: Unwinding day old terrible car deal for mother-in-law

I think you should consider you buying the Civic (without the add-ons), having the title put in your name, putting it on your insurance policy, the whole works. This would have a few advantages - 1) You would know that MIL has reliable transportation 2) You know how much that reliable transportation...
by sls239
Fri Jan 29, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Web filter for children
Replies: 7
Views: 789

Re: Web filter for children

I use the Windows Family controls. It allows a white list for web sites and for apps and allows you to set access times and reports activity.
by sls239
Fri Jan 29, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2231

Re: Is divorced spouse entitled to spouses Social securtity?

She will be entitled to the greater of: 1) The benefit she is already getting 2) A benefit calculated based on his earnings - it will be less than half of his FRA benefit because she filed early. 3) $733 / month #2 and #3 are only applicable if she doesn't remarry. None of this will affect what he i...
by sls239
Mon Jan 25, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9819

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

So first things first - We have a rule in our marriage. When there is a problem with a family of origin, it is the person in that family, not the IL that handles the communication. We make the decisions together, but I deal with my family, spouse deals with spouse's family. Secondly, I don't think y...
by sls239
Mon Jan 25, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Best article/study describing why and by how much retail investors under-perform?
Replies: 41
Views: 2628

Re: Best article/study describing why and by how much retail investors under-perform?

I wonder how much of the supposed "bad behavior" of the individual investor is simple economics.

It isn't like people who lose their jobs can funnel a bunch of money into the stock market.
by sls239
Fri Jan 22, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 88
Views: 6384

Re: Do you use the service of a CPA or you do your tax yourself?

I do them myself. IMO that is the only way to really understand how they work. Our taxes are simple except for when we have to file two state returns because of a move. Even then, it is really just following instructions and checking for errors. I generally make a spreadsheet with all the pertinent ...
by sls239
Fri Jan 22, 2016 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 7189

Re: Market down - lost alot of $ - nervous..

Well not everyone gets the opportunity to lose $30K in the stock market.
by sls239
Wed Jan 20, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones or Vanguard?
Replies: 53
Views: 5038

Re: Edward Jones or Vanguard?

I would be worried that the reason she needs the hand holding is because EJ has her taking more risk than she needs to / should take. In addition to that, we've seen many examples of advisers making needlessly complex portfolios that practically guarantee that some holding or another will be doing p...
by sls239
Thu Jan 14, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 9231

Re: dilemma over house division during legal separation

You say she is a good mother, but consider this - She has, for years apparently, been completely dependent on an alcoholic (no offense) to provide the basic needs of her and her children. And while that was within the legal protection of marriage, is she now considering continuing that dependency ou...
by sls239
Wed Jan 06, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 11275

Re: Large Energy stocks - why not?

The fact is that OP is not suggesting investing in the future price of oil. He is suggesting investing in real companies. Whose future profits may or may not reflect the global price of oil. These companies are almost all American and they have a past, and that past creates real and potential liabil...

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