Search found 483 matches

by snowman
Fri May 20, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11764

Re: Is there a such thing as a blue collar Boglehead?

In my experience, blue-collar and even middle-class perspectives are not often welcomed on this site. The assumption from many posters seems to be that anyone who is smart and hard-working should be wealthy, and those who are not wealthy are lacking something. I have to agree with you, there certai...
by snowman
Tue May 17, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Kids investment
Replies: 26
Views: 1998

Re: Kids investment

I opened "Money account" for each of my kids at ING Direct (now CapitalOne) where they each have savings and checking account that they manage themselves. At about age 10 I also opened minor Roth IRA for them at TDA. There is no opening/ongoing cost at either place, and they manage their a...
by snowman
Fri May 13, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 1864

Re: Cell Plans

We are on CC as well, but that's because our usage is much lower than yours. I agree with others - you get more with CW for less money, and since it's the same network, you know coverage will not be the problem. I also had an extra phone that I used to sign up for RingPlus service. I got a new numbe...
by snowman
Thu May 12, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 66
Views: 6751

Re: Complete Car Noob- Help Making First Vehicle Purchase

Still not a valid reason to replace it - 130K miles on Accord isn't much. Sounds to me like you need to spend money on routine maintenance. Can you tell us exactly what's wrong? Brakes - pads, pads and rotors, or break fluid? Emission - O2 sensor? What else? A lot of stuff you can easily DIY for a l...
by snowman
Mon May 02, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10245

Re: University of Virginia vs University of Miami

So we visited both schools earlier this week. Some points: UVA: 1) As expected, my son loved the campus. Very cool Jeffersonian architecture. 2) Music program, being a department of music, was still very strong for what he wants. Most music majors are double majors. Seems like there would be many s...
by snowman
Tue Apr 19, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2570

Re: Roku 3 v. Apple TV v. ???

We had Roku 1 now have Roku 3, highly recommend it! It's faster than 1, better search function, better remote with headphones plug - great for late night watching.
by snowman
Tue Apr 19, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10245

Re: University of Virginia vs University of Miami

OP, I was in your shoes last year. My son visited both state universities - one local and one out of state - and made his choice. Since he got scholarships covering full tuition at both places, I was fine either way. The visits were helpful in making the decision. Try to spend 2 days instead of one ...
by snowman
Sun Apr 17, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 3211

Re: Medical School preparation Pointers for a Sophomore Student

Fascinating thread! While neither of my kids is interested in being a doctor, it’s very interesting to read what it takes to become a doctor. I especially appreciate CriticalCareJunkie’s post – very informative! Let me ask the forum a question: if high GPA is so critical, would it not make sense for...
by snowman
Sat Apr 16, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 3463

Re: Door problems with new Subaru

So here's the update. I returned to the dealership today and tried the doors of the 16 Subaru Legacys that were on the lot - their total stock. Every single car had the exact same problem, with the exact same door. The salesman said no one had ever pointed it out to him before, but he presumed the ...
by snowman
Sat Apr 16, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11355

Re: What are Pros and Cons to the "Four Hour Workweek?"

Well, you could have went to dinner with a friend with Stage 4 Pancreatic Cancer, and you would have come away with feeling very lucky and asking yourself similar questions. Life is a Card Game and you play the hand you are dealt. You may be dealt Talent, Looks, Smarts and basically cannot lose unl...
by snowman
Fri Apr 15, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4923

Re: Fidelity Spartan 500 Index Fund Dividend

I think people find it odd that a business would be run without a fixed calendar for carrying out such operations as paying out the dividend. The report that Fidelity itself does not readily supply information as to how this is decided adds to the puzzlement. Very much agree with you. I didn't pay ...
by snowman
Thu Apr 14, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4786

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

If you want noise get a couple yappy dogs. The smallest ones tend to make the most noise. My neighbor had a couple of yappy dogs. ... I heard one got lost and the other disappeared.... Funny how things like that can happen. :shock: :shock: Agree, small yappy dogs are the worst. Around here, they ro...
by snowman
Thu Apr 14, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4923

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand tru...
by snowman
Thu Apr 14, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4923

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand tru...
by snowman
Thu Apr 14, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4923

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand true...
by snowman
Thu Apr 14, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: cell phone service - delay, echo and crosstalk
Replies: 17
Views: 1144

Re: cell phone service - delay, echo and crosstalk

OP, We've had similar problem for years and we are in the major metro area, go figure. 3 months ago, we switched to Consumer Cellular, and we have the best experience ever. It's a combination of a phone and carrier. In a space of a month, I purchased 5-6 different phones and tried 3 different servic...
by snowman
Thu Apr 14, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4923

Re: Fidelity Spartan 500 Index Fund Dividend

I don't know the answer, but I had the same concern and contacted Fidelity CS yesterday. After multiple times on hold (through chat), I was told something like "it may be little later this year so just be patient". About a month ago I asked CS "what does Fidelity do with quarterly div...
by snowman
Sat Apr 09, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5371

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

In my experience it does not work. Some people are natural savers, and some are natural spenders. Even though she is your sister, it really is none of your business to try to change her money habits. It's between her and her partner, and if both of them are content, leave it as it is. I would only g...
by snowman
Fri Apr 08, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 5747

Re: Dallas suburbs or Northern Virginia for me?

I would be remiss if I didn't tell you to consider Denver. Better overall lifestyle up there with the mountains out your backdoor (and an hour away). Tons of up and coming tech jobs, great food, trendy downtown and Boulder is close by. We love Dallas but will be moving back to Denver in a few years...
by snowman
Fri Apr 08, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting taxes in retirement
Replies: 23
Views: 2545

Re: Projecting taxes in retirement

What I do is run different scenarios in TT and save each one of them. I also have an excel spreadsheet where I outline each scenario and input the numbers from TT.
by snowman
Fri Apr 08, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 3080

Re: Retirement

There are many professors around me who do not plan to retire any time soon before 70. Most think they love what they are doing, and are afraid of boring life in retirement. Some even think they would die soon in retirement. Although I've never met one who doesn't sincerely believe s/he is among th...
by snowman
Wed Apr 06, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4501

Re: Appliance Repairs: Is it worth it?

If you know how to diagnose the problem and repair it yourself, a repair will be cheaper in many cases. In some cases this can save thousands, like the time I repaired my automatic transmission, which I believe would have resulted in a transmission swap had I taken it to a mechanic. It cost me $80 ...
by snowman
Tue Apr 05, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: starting solo 401k - picking custodian
Replies: 9
Views: 492

Re: starting solo 401k - picking custodian

I think you have done very good job summarizing both pros and cons. I don't think it matters much either way, although if I were you I would lean towards TDA. I don't consider trading ETFs a negative, and having loan option is nice to have, just in case. I have all accounts at TDA, except for solo 4...
by snowman
Mon Apr 04, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner - College
Replies: 29
Views: 2217

Re: Financial Planner - College

For good overview of financial aid process, I always recommend "Paying for college without going broke" by Princeton Review. It's updated annually, and it's available in library for free. You don't really need the latest version at this point, as 99% of content is recycled from prior years...
by snowman
Thu Mar 31, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Semi retired - part time consulting - IRA contribution?
Replies: 6
Views: 549

Re: Semi retired - part time consulting - IRA contribution?

Run different scenarios in your tax software, that will provide the most accurate answer. It's possible you will remain in 15% tax bracket in retirement, so no need to prepay taxes. Pay attention to state taxes too - many states don't tax retirement income, so you are better off with traditional IRA...
by snowman
Thu Mar 31, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 747

Re: solo 401k question

Since you're right around $2,000, keep in mind "Fidelity may deduct a small balance maintenance fee of $12.00 from a fund balance with a value less than $2,000." (See footnote 3: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911404) That $2,000 requirement is waived in...
by snowman
Wed Mar 30, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 747

Re: solo 401k question

Since you're right around $2,000, keep in mind "Fidelity may deduct a small balance maintenance fee of $12.00 from a fund balance with a value less than $2,000." (See footnote 3: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911404) That $2,000 requirement is waived in...
by snowman
Wed Mar 30, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 747

Re: solo 401k question

That minimum for solo 401k accounts is reduced to $500 (Read #4): https://fundresearch.fidelity.com/mutua ... /315911404

Also, you can buy any ETF, some are free to trade. You are good to go.
by snowman
Wed Mar 30, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 2227

Re: Copper in Brake Fluid

II would also feel uncomfortable recommending that anyone do this without access to a factory service manual for the car. There is an order in which things should be done, and there may be very specific procedures that you're required to follow in order to properly bleed the ABS system, as well as ...
by snowman
Tue Mar 29, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 2227

Re: Copper in Brake Fluid

The "test strip" is a sales device- just like showing you that dirty air filter. I've used the test strips myself and it showed my 3 year old fluid at 60ppm. Whether the shop uses a fake strip or not is possible however. Anyway I fail to see how showing someone a dirty air filter is a sal...
by snowman
Tue Mar 29, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 2227

Re: Copper in Brake Fluid

Brake fluid is very hygroscopic (it absorbs water easily), and definitely needs to be changed occasionally. Might be kind of a cop out of an answer, but do whatever the manufacturer recommends. There should be a maintenance schedule listed in the owners guide. There is nothing in the owner's manual...
by snowman
Tue Mar 29, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 2227

Re: Copper in Brake Fluid

It amazes me to see how chain stores always seem to be able to come up with new ways to separate customers from their money. So now they have a "strip" to measure copper level in break fluid? Wow. I bet most customers just pay and feel good about it. Manufacturers generally recommend fluid...
by snowman
Thu Mar 24, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: [Union College (NY) vs. St. Olaf for a prospective college student Math major]
Replies: 34
Views: 1785

Re: College Admission Time, What parents need to be aware and how to be helpful

grok87 wrote:Apologies if you've already seen this question on the other large college thread.

Do folks have any views on Union College (NY) vs. St. Olaf for a prospective college student wanting to major in Math?

thanks

I would create new thread, you will get lot more responses.
by snowman
Wed Mar 23, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10793

Re: Financially, how have you done/doing vs. your parents?

There's a lot written that the young folks today won't do as well as their parents did financially perhaps for the first time. I was wondering how you feel you are doing or have done compared to your parents? If you could explain why that would be helpful. Asking this question of Bogelheads has a B...
by snowman
Wed Mar 23, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Replace auto wiper blades vs inserts
Replies: 31
Views: 2682

Re: Replace auto wiper blades vs inserts

I am DIY, nobody touches my cars except for free recalls at the dealer. I always buy blades (have not seen inserts in years), and I always get them on sale, usually some crazy sale that comes along once a year or 2. That way, I always have a spare at home when it's time for replacement. Over the yea...
by snowman
Mon Mar 07, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3177

Re: Meineke ok for oil changes?

As a DIY, I prefer to do it myself, however, I do understand not everyone is like me. If you don't want to get your hands dirty, I would recommend solid local mechanic, or a dealer. In my area, most dealers offer oil change prices in line with quick lube places, even less with a coupon. I would abso...
by snowman
Mon Mar 07, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please assist. NJ S-Corp question
Replies: 2
Views: 153

Re: Please assist. NJ S-Corp question

I am not an accountant or a lawyer, just an S-Corp owner myself and the only employee. Keep that in mind. The January 31st deadline is for W-2 to be delivered by the company to the employee. Since it's you issuing W-2 to yourself, you can safely ignore that deadline. The real deadline is filing with...
by snowman
Sat Mar 05, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 3138

Re: Virginia Tech vs. NC State [choosing a school]

I'm a little skeptical about information from the admissions office, given I'm not sure if they'd admit if there was a problem. I'd feel more confident with independent reviews. Thanks for the idea - I've looked at CC, but will post there as well. I fully understand your skepticism, I generally fee...
by snowman
Sat Mar 05, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 3138

Re: Virginia Tech vs. NC State [choosing a school]

Unfortunately, I don't have specific experience you are asking about, but as a parent I would definitely search collegeconfidential website. It's likely other parents before you had similar questions about each of the schools you are considering. You could also post and ask a question directly. I wo...
by snowman
Fri Mar 04, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 9001

Re: Oil change - Auto shop or DIY

Totally not worth my time. I take it to the dealers and have them use my own oil (Mobile 1 0W-20, full synthetic) and place the empty jug in the trunk. Sure I pay more, but totally worth it to me. I don't quite understand your point. If you buy your own Mobil 1 0w-20 as you say you do, this deal al...
by snowman
Thu Mar 03, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 9001

Re: Oil change - Auto shop or DIY

I will add to the "where do you get 0W 20 for $3 a quart?" I buy oil at kmart which always has oil sales at about half what autozone costs. Even then, hitting $5 a quart is a very good buy. 0W 20 is only available as a synthetic. http://www.walmart.com/ip/Pennzoil-Platinum-Full-Synthetic-...
by snowman
Mon Feb 15, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Decision! was: Can I retire in 2017?
Replies: 53
Views: 7949

Re: Can I retire in 2017?

Based on everything you said, MandyT, you are in good shape. Go for it!
by snowman
Mon Feb 15, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Deflation ahead? Nobel Prize Economics winner's thought
Replies: 84
Views: 8962

Re: Deflation ahead? Nobel Prize Economics winner's thought

Had very little in the way of labor issues in Poland or Czech Republic. Germany and BE are about in the middle. Poland and the Czech Republic are not what I mean when I say Europe, those two are emerging market countries and don't have the sclerotic deadweight of regulation that Western Europe has....
by snowman
Thu Feb 11, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 3033

Re: Relocating for a job--lots of life changes

This is a tough one. I expect you will get variety of responses. There is no right answer here. A lot of moving parts... A lot depends on how both of you like FL - climate, people, taxes, etc. If the idea of moving down south excites both of you, I would definitely consider. Some people never get us...
by snowman
Tue Feb 09, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 2994

Re: Repair old car or buy new? A car illiterate needs some help

Civic with that mileage is just getting broken in. Were it my car, I definitely would keep it, but I am DIY, I enjoy working on and maintaining my cars. Given your income, savings, and how you feel about cars, there is no question in my mind that you should just buy a new, reliable car, like a Civic...
by snowman
Wed Feb 03, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3278

Re: New Car - Compact SUV or Sedan

A Prius has narrow tires and I'm guessing worse ground clearance. Not a great option if you drive in snow much. Of the cars on your list I'd avoid the Prius - with its thin little tires it is horrible in the snow. Neither of these comments are valid. When driving in snow, you want the tires to be a...
by snowman
Mon Jan 25, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5835

Re: What was the 2000 crash like in real time?

Thanks to everyone for sharing their experiences, it's been fascinating to read for me. Especially like hearing from the tech folks on their specific issues. DW and I are both mechanical engineers in oil&gas (about 5 years out of college) and the last year has been the stressful grind that a lo...
by snowman
Sun Jan 24, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Internet addiction
Replies: 15
Views: 1992

Re: Internet addiction

Yes. Spend more time outdoors, without your phone or laptop. Go hiking, skiing, fishing, whatever makes you happy. At the end of the day, when you are tired, reward yourself with some browsing.
by snowman
Sun Jan 24, 2016 12:17 pm
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: 9985

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

OP, did your fiance really give online login password to both you and her father? It sure reads like this. I'd like to offer my honest opinion to you but will restrain from doing so until you clarify that first.
by snowman
Sun Jan 24, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5835

Re: What was the 2000 crash like in real time?

For me, 2000 was much harder mentally than 2008. Not saying 2008 was a cakewalk, but if you worked in tech or telecom in the late 90s, you know exactly what I am talking about. Like I noted above, same for me: 2000 was much harder mentally than 2008. This was obvious to those of us employed in tech...

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