Search found 3026 matches

by quantAndHold
Sat May 25, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Low Flow Shower Heads
Replies: 11
Views: 1009

Re: Low Flow Shower Heads

We have an Oxygenics Fury in the motorhome. 1.75 GPM, multiple settings, and works just fine with low water pressure. We like it well enough that we will probably put one in the house soon.
by quantAndHold
Sat May 25, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 398
Views: 98209

Re: If your net worth is over $3 million, how did you do it?

1. Made good money, consistently for 30 years.
2. Lived within our means, consistently for 30 years.
3. Invested like a boglehead.
4. Got lucky on real estate. Twice.
5. Inherited the last bit.
by quantAndHold
Sat May 25, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: is A in accelerated better than B in honors for undergrad application.
Replies: 14
Views: 920

Re: is A in accelerated better than B in honors for undergrad application.

I assume by the question that the kid isn’t trying to get into an Ivy. Either of those paths will get the kid into State U just fine. If it were my kid, I would encourage them to get in the AP track for the couple of subjects they like the best. Getting A’s in those classes will give them some more ...
by quantAndHold
Sat May 25, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 28
Views: 1999

Re: Any audiophiles on this forum?

I have two rooms with Dali speakers and a very nice Marantz receiver.

I mostly listen to the Sonos 3 in the bedroom. The sound isn’t as good, but it’s voice controlled by Alexa, and soooo convenient...
by quantAndHold
Sat May 25, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 64
Views: 6075

Re: 4M 70K expenses would you stop?

I stopped at 52 with much less than that. Best decision of my life.
by quantAndHold
Fri May 24, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 17
Views: 842

Re: Does it make sense to buy Part D if you are subject to IRMAA?

In response to someone the other day asking “what causes a $1M medical bill,” I did some googling, and apparently $80,000 prescription meds are actually a thing. I suspect if you need a $80k prescription med, you’re not going to want to wait until the next open enrollment to get it, since the really...
by quantAndHold
Fri May 24, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9855

Re: Is the housing market starting to collapse?

In 2007 I predicted the top when my tennis coach, a guy who worked part time teaching middle aged ladies how to hit forehands, bought a condo. No completely unlikely person I know has bought a house recently. So I think we’re safe. Seriously, though, credit standards are higher, and the mortgage ma...
by quantAndHold
Fri May 24, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 25
Views: 3011

Re: What has changed in new home construction over the years?

It depends on exactly how old you’re talking. Home construction quality in the 60’s, 70’s and 80’s was abysmal. The only saving grace on those homes is that they’re old enough now that a lot of the most egregious problems, like aluminum wiring and plastic plumbing, have been fixed by now. I’m not co...
by quantAndHold
Thu May 23, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: Puerto Rico Equities Considered Foreign Stocks?
Replies: 12
Views: 564

Re: Puerto Rico Equities Considered Foreign Stocks?

I would have the same questions as you. For all intents and purposes, they look like a US company to me. Their investor relations page doesn’t answer any questions, but there is a contact email if you want to ask them directly.
by quantAndHold
Thu May 23, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 70
Views: 7405

Re: Do you have hardwood or tile in your kitchen?

Our last house had hardwood, and it was fine, but in college I lived in a house where the dishwasher leaked. A hardwood floor would have been toast. In fact, the leak ruined a vinyl floor. As a result, I would never install hardwood in a kitchen or bathroom. Our current house has tile. Which looks f...
by quantAndHold
Thu May 23, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 38
Views: 2446

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

If your father is still living and is in the US he should have a good estate plan also. Children with another partner are a major source of contention when people die intestate (without a will). If you have anywhere near $2.4M and have a half-brother and potentially his children you don't know abou...
by quantAndHold
Thu May 23, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 25
Views: 1854

Re: Keeping old negatives from photos (why keep them?)

The negatives will scan better than the prints that are made from them. Once You either have a high resolution scan or have decided you don't care about the negative, no reason to save. We went through my mom-in-law's negatives and threw away all the pictures that didn't have any people in them, and...
by quantAndHold
Thu May 23, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 38
Views: 2446

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

In the USA, you can draw up a will, and give the money to anyone you want.

If you don't have a will or trust, then the half brother may have a claim.

Your estate planning attorney knows this, right?
by quantAndHold
Thu May 23, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Replacing wood windows - a little lost
Replies: 9
Views: 656

Re: Replacing wood windows - a little lost

Couldn't you just have the original wood windows repaired? Something in me cringes at the idea of replacing a wood window with vinyl.
by quantAndHold
Thu May 23, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1110

Re: Termite Control - worthwhile or a scam

Neither worthwhile nor scam. If you have termites, I'm sure Terminix will honor whatever the agreement is and treat for them. But it will be much cheaper to just wait until you have termites and treat as necessary. If you have dirt to wood contact anywhere, get it fixed. Then learn what signs you sh...
by quantAndHold
Thu May 23, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9855

Re: Is the housing market starting to collapse?

In 2007 I predicted the top when my tennis coach, a guy who worked part time teaching middle aged ladies how to hit forehands, bought a condo. No completely unlikely person I know has bought a house recently. So I think we’re safe. Seriously, though, credit standards are higher, and the mortgage mar...
by quantAndHold
Thu May 23, 2019 10:13 am
Forum: Personal Investments
Topic: Should I rollover my 401k from old megacorp to new megacorp?
Replies: 33
Views: 1617

Re: Should I rollover my 401k from old megacorp to new megacorp?

What are the costs and expense ratios of old megacorp vs new megacorp? I logged into my 401k accounts and poked around to get this info: Old 401k ======== $5 administration fee per month Fund -- Allocation - Expense ratio ============================= Capital Preservation 21% 0.079% Bond 22% 0.020%...
by quantAndHold
Thu May 23, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 22
Views: 1733

Re: Changing from owning to renting a home for retirement

A big advantage to renting is you no longer have all the maintenance that comes with owning a house, i.e. replacing HVAC, roof replacement, plumbing and electrical issues and the list goes on. This is especially true for women or men who must rely on others for most of this work. Buying a condo sav...
by quantAndHold
Thu May 23, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 22
Views: 1733

Re: Changing from owning to renting a home for retirement

A big advantage to renting is you no longer have all the maintenance that comes with owning a house, i.e. replacing HVAC, roof replacement, plumbing and electrical issues and the list goes on. This is especially true for women or men who must rely on others for most of this work. Buying a condo sav...
by quantAndHold
Wed May 22, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health Shares - Need your opinion!?
Replies: 42
Views: 2158

Re: Health Shares - Need your opinion!?

The question was how does one have a $1 million medical bill. 40% of the time, it’s a blood disorder. 30% of the time it’s cancer. The rest is “other.” https://www.marketwatch.com/story/million-dollar-health-bills-have-spiked-and-expensive-drugs-are-playing-a-major-role-2018-07-16 The people that I...
by quantAndHold
Wed May 22, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2884

Re: What computer to buy for snowbird

You owning an outlier doesn’t make my point any less valid. Four years is common for MacBooks, not so common for a consumer grade windows laptop, especially if it’s been used as a laptop, and not just left plugged in on a desk somewhere. OP’s experience is more typical than not. You didn't like my ...
by quantAndHold
Wed May 22, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 4860

Re: I evaluated taking SS at age 62 versus age 70

Some starting data: - I'm 45 - will stop working at 54 i'm all for long term planning, but I suggest looking at this in about 15 years. Well...I actually started thinking about this in my 20s which is what I credit to being where we are now. Making a prudent decision to save and invest is very diff...
by quantAndHold
Tue May 21, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4839

Re: Recently promoted - how to match image with title?

GT99 wrote:
Tue May 21, 2019 8:53 pm
quantAndHold wrote:
Tue May 21, 2019 4:42 pm
Been there, done that. Interesting the number of guys trying to answer the question.
Given that she specified she is in a sector with 80% older men, I'd say the male perspective is probably the more relevant one.
Given some of the answers she got, I kind of doubt that.
by quantAndHold
Tue May 21, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Class action law suits
Replies: 51
Views: 5192

Re: Class action law suits

Wife got five figures from a company she worked at that miscategorized several thousand of them as salaried exempt when they were apparently nonexempt. Several years of back pay for overtime. The check just showed up one day, along with a letter explaining that she had won a lawsuit she knew nothing...
by quantAndHold
Tue May 21, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2884

Re: What computer to buy for snowbird

If you want four years, you need a Mac. Yeah, right. Tell that to my 13 year old HP laptop, still going strong. Or my 9 year old home built Windows desktop, still going strong. You owning an outlier doesn’t make my point any less valid. Four years is common for MacBooks, not so common for a consume...
by quantAndHold
Tue May 21, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2488

Re: Wiper blade replacement

Costco sells Michelin Guardian blades for $8.99. I live somewhere where it never rains, but they work fine for getting the washer fluid off the windshield.
by quantAndHold
Tue May 21, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Is there a FAANG ETF?
Replies: 37
Views: 2459

Re: Is there a FAANG ETF?

Microsoft, Apple, Facebook, Alphabet and Amazon already make up 15.7% of the S&P500. I would tread carefully before overweighting them any further. (Including Netflix makes no sense for a number of reasons, least of which is they aren't a tech company and their business is nothing like the above fi...
by quantAndHold
Tue May 21, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Is there a FAANG ETF?
Replies: 37
Views: 2459

Re: Is there a FAANG ETF?

Since there are only five companies in FAANG, it would be easy enough to just buy cap weighted amounts of the five stocks. In practical terms, that would be roughly: 10 shares of Facebook 10 Apple 1 Amazon 1 Netflix 1 Google I did the math in my head, so it might not be exactly right, but there you ...
by quantAndHold
Tue May 21, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4839

Re: Recently promoted - how to match image with title?

Been there, done that. Interesting the number of guys trying to answer the question. Anyway, congratulations! Nobody gets a promotion like that at 29 unless they are high potential and already good at what they do, so the first thing is to walk in the door knowing that you deserve to be in that posi...
by quantAndHold
Tue May 21, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2884

Re: What computer to buy for snowbird

How did the SP4 die? I'm curious since I own one. No idea. It was less than 4 years old. I took it to a Microsoft store. They said, sorry, it's dead. And offered to sell me a new one. They had no idea what went wrong. They seemed to think this was not unusual, I shouldn't expect to get 4 years out ...
by quantAndHold
Tue May 21, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2884

Re: What computer to buy for snowbird

Are you planning on going to Mexico, by chance? I had a friend whose desktop computer got held at the border when he tried to take it into Mexico on a tourist visa. Apparently tourist and desktop computer don’t go together. He was able to pick it up on his way out of the country, but he could have a...
by quantAndHold
Tue May 21, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1492

Re: Computer speed question which computer is faster and why?

TomatoTomahto wrote:
Tue May 21, 2019 1:47 pm
Depends on what you’re doing. One could come up with scenarios where either one is fastest.

In real life, they’re probably both sufficiently fast. But, for me, SSD is hard to not have once you’ve had one.
This.

Also, you can add a SSD to the second one. Then it would clearly be faster.
by quantAndHold
Tue May 21, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 49
Views: 2817

Re: Expensive front load washer/dryer worth it?

We just got back from a month in a country where clothes are slapped and scrubbed on a rock. Any washing machine is a easier on the clothes than that. We have a mid range LG front loader that we got from Costco. It is really very nice, better than the expensive Miele that was in our last house when ...
by quantAndHold
Tue May 21, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving HSA from Lively/TDA to Fidelity
Replies: 7
Views: 521

Re: Moving HSA from Lively/TDA to Fidelity

I had a similar experience going from HSA Bank to Fidelity, although it seemed to be more about incompetence than bad faith, and I was never completely sure which side the fault was on. Just being persistent solved all the problems one by one, but the whole thing took a couple of months, and several...
by quantAndHold
Mon May 20, 2019 11:17 pm
Forum: Personal Investments
Topic: Is there a way to get monthly statements from Vanguard retirement accounts?
Replies: 3
Views: 486

Re: Is there a way to get monthly statements from Vanguard retirement accounts?

Log into your account online. You can get balances on a particular day, or there’s one page that I always have trouble finding, that has a table with monthly totals. Very useful for what you’re doing.
by quantAndHold
Mon May 20, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Anybody recommending Windows World?
Replies: 22
Views: 1708

Re: Anybody recommending Windows World?

I googled them on the Better Business Bureau and they have lots of complaints (74) ranging from delivery issues to product issues. I would use caution when dealing with them just because of that. https://www.bbb.org/us/tx/houston/profile/windows/window-world-0915-90012150/complaints Most companies ...
by quantAndHold
Mon May 20, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Do handymen typically guarantee work?
Replies: 20
Views: 1454

Re: Do handymen typically guarantee work?

It really depends on why the shelves collapsed. If they collapsed because the handyman spec’d the wrong parts, I would expect him to fix it for the cost of the correct parts. If it failed because he put up crap that you handed to him, I would expect to pay to do it again with the right parts.
by quantAndHold
Mon May 20, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 168
Views: 8219

Re: Should I encourage my kids to work in high school/college?

All of ours worked off and on in high school. At one point, we had to tell youngest to quit his job during the school year, because it was affecting his grades, but the others handled working just fine. Our only rule was that they weren’t allowed to sit around playing video games all summer. They ha...
by quantAndHold
Mon May 20, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1745

Re: Chiminea, fire pit or nothing?

A chiminea is nice for having some warmth on a cool evening. It also has the advantage of being movable if you don’t like where you put it, and you can take it with you if you move.

Everyone I know who has one has a $125 terracotta one, which works fine. Not sure what the extra $375 will get you.
by quantAndHold
Mon May 20, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1753

Re: Dealing with construction noise

This too shall pass. Maybe join a coworking space? Some of them allow well trained dogs. In the meantime, learn what the local laws are regarding construction noise, dirt, etc. You may end up having some conversations with the construction manager, or your local authorities, about violations of thos...
by quantAndHold
Mon May 20, 2019 8:51 am
Forum: Personal Investments
Topic: Am I off my rocker? Shift some assets to real estate?
Replies: 23
Views: 1973

Re: Am I off my rocker? Shift some assets to real estate?

The investment real estate market in all of those cities is fully priced right now. It would probably be hard to find a place with a good enough cap rate to be a good investment. Some friends, who had real estate experience, and I, spent a year trying to find an apartment building in one of those ci...
by quantAndHold
Mon May 20, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Anybody recommending Windows World?
Replies: 22
Views: 1708

Re: Anybody recommending Windows World?

For $25/window, I would definitely go for the better windows. Window replacement is expensive enough that you want it done right the first time, with the right materials. You definitely want low e glass, especially in someplace that gets hot. Have you got bids from other contractors? We didn’t pay m...
by quantAndHold
Sun May 19, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: [Death in family - First steps to pay beneficiaries?]
Replies: 6
Views: 585

Re: Father passed - First steps to taking over finances?

Lots of good information in this post. Somewhat related question: debts, taxes etc must be paid before beneficiaries receive money. Is it safe to “assume” vanguard won’t pay beneficiaries until I, as executor, tell vanguard it’s ok to do so? No, absolutely not. Vanguard will pay beneficiaries as so...
by quantAndHold
Sun May 19, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5394

Re: Guidance on choosing between UMich and Brown

In terms of CS careers it's very much about coding ability in the interview and less about the university name. It does likely help with getting the interview in the first place. I have a bit of gripe with this (unnecessary but I feel the need to correct it). Getting a job after majoring in CS is q...
by quantAndHold
Sun May 19, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: High commissions ($15 + .1%). Add less frequently?
Replies: 5
Views: 507

Re: High commissions ($15 + .1%). Add less frequently?

It depends on the amount of money you’re investing each month. If you assume, on average, a 6% return per year, that would be 0.5% per month. I’m choosing numbers that make the math easy, but not far off from reality. $15 is 0.5% of $3000. I would hold the cash in a money market until you have $3k t...
by quantAndHold
Sat May 18, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Job vs. Current Job
Replies: 7
Views: 981

Re: New Job vs. Current Job

I can’t really advise you about what to do, there are obviously pros and cons to both. One thing I can say, though, is that if you’re paying for it yourself, relocation is much cheaper than if the corporate move people get hold of it. They have an amazing ability to run the price up. When we moved a...
by quantAndHold
Sat May 18, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Vacation to Death Valley in November.
Replies: 9
Views: 1001

Re: Vacation to Death Valley in November.

Scotty's castle area has been closed for flooding. Hopefully, it will be open by November. Scotty’s castle will be closed for at least another year. They were giving flood recovery tours which were very interesting, but I don’t see anything about tour on their website anymore. The whole Furnace Cre...
by quantAndHold
Sat May 18, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 5881

Re: At what NW do I have disposable income?

Sounds pretty miserable to me. Pay yourself first, pay your taxes, pay the bills, keep food on the table, gas in the car, save a little more, and spend some on yourself. No need to be miserable now for your future self. Who knows... you may not even make it to future self. Live below your means, sa...
by quantAndHold
Sat May 18, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17641

Re: High net worth, elite private or “good” public

We chose public schools for three four reasons. First, we wanted them to have contact with people from a wide range of backgrounds, not just people whose parents could afford an expensive private school. Second, especially at the high school level, the public school system offered a lot of alternati...
by quantAndHold
Fri May 17, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5394

Re: Guidance on choosing between UMich and Brown

I did hiring at a FAANG. I remember hiring people from Michigan. I don’t remember hiring anyone from Brown, but it may have been because it’s a smaller school. From a career perspective, if he wants tech, I don’t think it matters which he chooses. I would still pick Brown though, unless he wants to ...