Search found 2216 matches

by texasdiver
Mon Sep 18, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Processing time for 401K transfers into the TSP?
Replies: 1
Views: 197

Re: Processing time for 401K transfers into the TSP?

Well, it took 3 weeks but the $$$ finally make it into my TSP.

Guess I've gotten too used to the world of instant electronic financial transactions.
by texasdiver
Thu Sep 14, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Processing time for 401K transfers into the TSP?
Replies: 1
Views: 197

Processing time for 401K transfers into the TSP?

Just wondering if anyone here has a good sense of how long it takes to transfer funds from a 401k plan into the TSP using the TSP-60 form. I had a legacy 403b plan with Vanguard from my previous employer. I decided to roll it all into my TSP account and sent off all the paperwork to Vanguard. My Van...
by texasdiver
Thu Aug 31, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 41
Views: 2917

Re: Hurricane Harvey relief?

The Red Cross has received a lot of criticism for mismanagement of their disaster relief program after the past couple of hurricanes. You can google up all the ugly details. NPR and Pro-Publica did a series about it a year or two ago. It got lots of coverage. Frankly one good organization that has g...
by texasdiver
Thu Aug 31, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2318

Re: Argentina/Chile Total Solar Eclipse - July 2019

If the sun is going to be low in the sky then the Chilean Andes is NOT where you'd want to be unless you plan to hike to the top of some mountain with a western exposure. The road through that area winds through a narrow river valley with high peaks on all sides and no one is going to have any view ...
by texasdiver
Sat Aug 26, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2318

Re: Argentina/Chile Total Solar Eclipse - July 2019

PS, I read through this itinerary: http://tropicalsails.com/solar-eclipse-tour-2019/ Personally I think it is completely unrealistic. They have you staying in La Serena and taking day shuttles up into the mountain to see the eclipse, visit wineries, and do stargazing. My guess is that come eclipse d...
by texasdiver
Sat Aug 26, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2318

Re: Argentina/Chile Total Solar Eclipse - July 2019

Just catching your post. My wife's family is Chilean and we try to visit once a year but that is getting harder with kids in high school as the seasons are reversed. politics123 gave you good advice. Looking at the path of totality I think the Pisco Elqui area is where I would want to be about 2 hou...
by texasdiver
Sat Aug 26, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Tablets for hospital patients - Chromebook?
Replies: 3
Views: 520

Re: Tablets for hospital patients - Chromebook?

I think tablets may serve you better than chromebooks if the main purpose is content consumption. There are a lot of cheap tablet options out there as well as the more expensive iPads. The main advantage to chromebooks are the keyboards. If your patients will be writing, doing email, facebook, basic...
by texasdiver
Sun Aug 20, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: School District Quality
Replies: 15
Views: 1421

Re: School District Quality

If you are looking to find the most challenging school district for your child then I would try to find the district with the highest number of Asians. Almost every academic competition is dominated by Chinese and/or Indian students. It's a chicken and egg thing. I've found that Asian parents are a...
by texasdiver
Sun Aug 20, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: School District Quality
Replies: 15
Views: 1421

Re: School District Quality

The national ranking web sites like Niche are going to rely on public data sources because that's the only way you can construct a national web site with that many schools listed: https://www.niche.com/k12/rankings/ Frankly having been a parent and a teacher in three different states I've concluded ...
by texasdiver
Sat Aug 19, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Here is a criticisim of active management I don't get
Replies: 24
Views: 2387

Re: Here isa criticisim of active management I don't get

On the surface it often seems like it should be easy for an active investor to beat indices. Just start with an index allocation and remove the "bad stuff". The problem is the performance of the "bad stuff" isn't very predictable. https://www.callan.com/wp-content/uploads/2017/01/Callan-PeriodicTbl...
by texasdiver
Fri Aug 11, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 589

Computerized car maintainance records or service history?

I spent the past few days shopping for a used vehicle for my daughter and have noticed that most all the vehicles on the market through dealers have the service records available via CARFAX. It's actually pretty informative. You can pull up the service history of a car you are interested in and see ...
by texasdiver
Fri Aug 04, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2563

Re: Making a Direct Offer to Purchase a Home

Yes, most definitely sit down and work with them sans real estate agent if you like the house. We bought our last house that way mostly. We found a house that was not yet on the market and worked a deal. Some things to keep in mind or keep in perspective. 1. MOST real estate transaction costs are bo...
by texasdiver
Fri Aug 04, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1325

Re: Garage ceiling bike storage

This is the Cadillac system but I'm not sure how well it would work on a sloped ceiling. Probably not well https://www.saris.com/product/cycleglidestorage-system Best bet with rafters and sloping roof is to just use fixed hooks installed in a convenient location with the bikes aligned perpendicular ...
by texasdiver
Thu Aug 03, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

Re: College student daughter got her car totaled. Advice?

Just an update on this situation. Daughter drove the car from Florida back to Fayetteville last week and finally had the insurance adjuster come out to look at the car. As the Midas guy in Florida said, they are considering it a total loss. He came up with a value of $4950 for a 2003 CR-V which I ac...
by texasdiver
Sun Jul 30, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 5959

Re: NYT: Buy more takeout and hire a maid, study suggests

My wife and I have a weekly housekeeper who does a fabulous job and it is money super well spent. We have a fairly large house and would spend Saturday mornings doing a half-a__ed job of cleaning it and would be grumpy in the process because we had different ideas of what "clean" was. Hiring a house...
by texasdiver
Wed Jul 26, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3063

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

What kind of car do you have? Did you mention it and I missed it? Honestly for a single bike you'll be better off just storing the bike inside the car with the front wheel off if it fits. Upgrade the bike if necessary. You usually don't really need a rack until you get into multiple bikes. Roof rack...
by texasdiver
Tue Jul 25, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

Re: College student daughter got her car totaled. Advice?

Thanks guys. Lots of useful information here. Some additional details on the situation. 1. Do not yet know for certain that the car is totaled. Daughter is 3000 miles away in Florida for a summer job. I had her bring it to a mechanic and she took it to the local Midas place. I talked to the guy on t...
by texasdiver
Mon Jul 24, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

Re: College student daughter got her car totaled. Advice?

sounds like similar car to what she had (CR-V, Rav 4, matrix/vibe) or maybe a used prius or something. Older cars have less safety features. You shouldnt accept less than full replacement cost for the car you lost so if you add in another 2 grand or something to get a nicer vehicle. Dont forget to ...
by texasdiver
Mon Jul 24, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

Re: College student daughter got her car totaled. Advice?

Thanks guys... Yes, she is fine. A bit of whiplash but no worries there. My wife is a physician and did a long phone conversation and is convinced she is fine. As for cars. After a bit of looking I think I'll probably have to up the budget to the under $10 grand range which seems like it will put u...
by texasdiver
Mon Jul 24, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

Re: College student daughter got her car totaled. Advice?

Thanks guys... Yes, she is fine. A bit of whiplash but no worries there. My wife is a physician and did a long phone conversation and is convinced she is fine. As for cars. After a bit of looking I think I'll probably have to up the budget to the under $10 grand range which seems like it will put us...
by texasdiver
Mon Jul 24, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3119

College student daughter got her car totaled. Advice?

Daughter who's starting her sophomore year at an out-of-state college managed to get her car totaled. It was her mother's hand me down 2003 CR-V. Anther girl she knows rear ended her so it's not her fault and the other insurance will be paying. But looking for advice on the process and for replaceme...
by texasdiver
Tue Jul 18, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Physicals and Forms for Kids Activities
Replies: 12
Views: 783

Re: Physicals and Forms for Kids Activities

I've got 3 girls ages 11, 14, and 19 We've done a bazillion camps and sports activities and have NEVER faced having to complete this sort of non-standard physical form. It seems rather excessive to me. Our last school system in Texas actually had a "physical day" in August where they would get volun...
by texasdiver
Tue Jul 18, 2017 1:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 110
Views: 9042

Re: Vanguard 403b Changes

My wife got the letter yesterday. Mine arrived today. We both have Vanguard 403(b) plans through previous employers that we have just been letting ride until now out of inertia. After this I'll be rolling mine into my TSP account which I should have done last year when I changed jobs. My wife will b...
by texasdiver
Tue Jul 18, 2017 1:16 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6569

Re: anyone retire and move to a planned community in FL?

Close family friends retired and moved to Sanibel Island a few years back. Parents of one of my best friends actually. After two years they were back home to Montana. Poor advance research on their part I think. They never adapted to the omnipresent HOA (couldn't park a pickup in the driveway for ex...
by texasdiver
Tue Jun 27, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8118

Re: Slide rule anyone?

This spring I was cleaning out the science dept stockroom at the school I teach at at and found a giant slide rule about 6' long and 1' wide. I assume it is a teaching tool used to demonstrate slide rule usage from the front of the class during lectures. Pretty cool. We mounted it on the wall. No on...
by texasdiver
Tue Jun 27, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 8
Views: 769

Re: Kaiser Permanente 401(k) fee question

PFInterest wrote:You might want to mention which Kaiser. This is not SoCal.


Northwest Permanente (Oregon and Washington)
by texasdiver
Tue Jun 27, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 8
Views: 769

Re: Kaiser Permanente 401(k) fee question

Just a follow-up. We finally managed to obtain all the plan documents online after enrolling her in the 401k plan. Turns out there are no management or administrative fees other than the underlying fund fees. Even though it is managed by Fidelity there are a range of other fund options including Van...
by texasdiver
Wed Jun 21, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 8
Views: 769

Kaiser Permanente 401(k) fee question

Just curious if anyone here is in the Kaiser 401(k) plan with Fidelity. And can explain the fee structure. My wife is reaching her 1-year anniversary and will soon be eligible to join the 401(k) plan. She got a big package of 401(k) plan material in the mail which we have sorted through and read. Ca...
by texasdiver
Mon Jun 19, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 3262

Re: For Sale By Owner HOUSE- Advice Please

My experience having bought and sold 4 houses over the past decade is that the title companies do 90% of the transactional work, not the real estate agents. This was in Alaska, Texas, and Washington. We used an agent to sell our last house because we had a very narrow window of time to get it sold a...
by texasdiver
Mon Jun 19, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 1893

Re: Olympic NP and Mt Rainier NP

Honestly, with kids that small I'd do the North Cascades loop on Highway 20 and Highway 2 and skip Mt. Rainier. Rent a cabin in Winthrop or perhaps Leavenworth. It's more of a scenic drive but there are all kinds of places to stop and do short hikes in the North Cascades National Park and there will...
by texasdiver
Fri Jun 16, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17171

Re: Poll: 401K Match

Teacher here: When I moved to this state last year and started a new position I had to elect between: Plan 2: Traditional Pension plus optional 403(b) with no match Plan 3: Reduced pension with 403(b)-ish program that contains relatively generous match Did the math and concluded that for someone sta...
by texasdiver
Thu Jun 15, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14416

Re: Anyone else gotten totally bored with investing?

Back when my portfolio was 20% of its current value I was an incredibly active investor. I subscribed to Morningstar and read all the financial rags in the library and online. Was constantly checking my portfolio of 10-20 randomly assembled active funds and following the market with laser intensity...
by texasdiver
Thu Jun 15, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14416

Re: Anyone else gotten totally bored with investing?

Can't wait to get to this point! It sounds relaxing. I do like the thought of a discretionary account though. Rather than a discretionary stock fund, I do think about things like messing with real estate rentals, house flips, doing AIRBnB rentals, or something like that. But i start to look into wh...
by texasdiver
Thu Jun 15, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14416

Anyone else gotten totally bored with investing?

Back when my portfolio was 20% of its current value I was an incredibly active investor. I subscribed to Morningstar and read all the financial rags in the library and online. Was constantly checking my portfolio of 10-20 randomly assembled active funds and following the market with laser intensity....
by texasdiver
Thu Jun 15, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Increasing iPad storage capacity
Replies: 14
Views: 1364

Re: Increasing iPad storage capacity

No way to upgrade the storage on the iPad. Best bet is to move as much stuff as you can to cloud storage like iCloud, DropBox or Google Drive which both have iPad apps. You can put all your photos and videos there and delete a bunch from the iPad. Also get rid of any apps you don't need. I think you...
by texasdiver
Thu Jun 15, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 2223

Re: Cooktop died, not repairable, need recommendations

I cannot live with an electric range. I have a single burner outside the house connected to a propane tank and a stove capable of 40,000 BTUs or something. When on full blast, it sounds like a dragon breathing fire. Quickly boils water or cooks veggies. We have gas heat Our winter heating bills are...
by texasdiver
Wed Jun 14, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 3508

Re: Highlander vs. Pilot

Note: If you are getting it to haul kids. We test drove a couple versions of the highlander with our kids. The limited version we bought has middle row bucket seats with a space between them for kids to scramble through to the third row. This makes it a 7 passenger vehicle. There were lower trim ver...
by texasdiver
Tue Jun 13, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 3508

Re: Highlander vs. Pilot

We have a 2014 Highlander Limited. It has turned out to be a fabulous car so far (about 40,000 miles). The only mechanical issues have been that the entertainment system was a bit glitchy when bluetooth streaming off the phone so we had to pay Toyota to get it flashed with a newer software version. ...
by texasdiver
Mon Jun 12, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

I priced it out on United.com for about $1990. The key here is that the best fare is available only through 2:30 pm on 12/14 out of XNA, else it jumps by a few hundred bucks! Doesn't surprise me. 12/14 is the last day of final exams at Univ. of Arkansas. So the flood of college students leaving Fay...
by texasdiver
Mon Jun 12, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

Dec 28 - Jan 11: Round trip flight Portland to Santiago on AA returning from Santiago to Fayetteville on Jan 11 for about $1600. Both outbound and return segments route through DFW. Basically they are only charging us about $100 extra to add the PDX-DFW segment on the outbound flight and the DFW-XN...
by texasdiver
Sun Jun 11, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

If you are open to Delta, here is a single itinerary for $2031. There were quite a few flight options for this price. THU 14 DEC XNA 12:31 PM to PDX 6:58 PM Flight Number DL 564, Flight Number DL 887 TRAVEL TIME 8h 27m 1 STOP THU 28 DEC PDX 1:05 PM to SCL 09:55 AM ARRIVES NEXT DAY Flight Number DL ...
by texasdiver
Sun Jun 11, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

I'm sure there are other better forums for this question, but I know there are a lot of frequent international flyers here. I'm a pretty veteran flyer and have probably booked over 100 flights online over the past decade. But this has me stymied. I would post this question on the AA FlyerTalk forum...
by texasdiver
Sun Jun 11, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 9061

Re: College admissions question - she got a "C"

Word of advice from another HS teacher and parent here. You need to find a school where your child will be comfortable and can actually succeed. It was clear to us from elementary school onwards that our oldest was a very median child in terms of academics. We could push her into A/B grades in ordin...
by texasdiver
Sun Jun 11, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

Did some more research and it turns out that an open-jaw round trip flight doesn't really cost any more than a regular round trip flight. The cost only skyrockets when you add a 3rd destination. So the way to do something like this with 3 destinations is to buy an open jaw round trip flight one one ...
by texasdiver
Sat Jun 10, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Re: Best way to book multi-city international airfare itinerary?

Well, I did do some digging and it seems that AA does have a policy of re-accommodating passengers due to travel disruptions by treating separate tickets as through itineraries. But this policy only applies if the separate tickets are on AA or one-world alliance member airlines. This airline policy ...
by texasdiver
Sat Jun 10, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2122

Best way to book multi-city international airfare itinerary?

I'm sure there are other better forums for this question, but I know there are a lot of frequent international flyers here. I'm a pretty veteran flyer and have probably booked over 100 flights online over the past decade. But this has me stymied. Looking for advice on booking the following Christmas...
by texasdiver
Sat Jun 10, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 7235

Re: AAA Cost

If you have auto insurance through Costco (Ameriprise) you have free roadside assistance but it is limited to $75 which isn't much. m In 10 years with Ameriprise we've only had to use it once when our daughter had a flat tire near DFW airport. They sent some guy out to change her tire at no cost. It...
by texasdiver
Sat Jun 10, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 7235

Re: AAA Cost

Changing your own tires is not permitted on many roads, and not practical on many others. Huh? I've never travelled on a road in which changing your own flat tire is prohibited. Can you list some of these roads? What are you supposed to do if you get a flat? Are you required to call a tow truck dri...
by texasdiver
Sat Jun 10, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 9061

Re: College admissions question - she got a "C"

Just went through this with my daughter who had a similar GPA to your daughter (mostly As and Bs). Big schools are going to do almost all of their admissions using a formula based on GPA, Class Rank, and SAT/ACT scores. No single class grade is actually going to be looked at individually. My daughte...