Search found 902 matches

by Elsebet
Fri Sep 18, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 48
Views: 3207

Re: Relocation - CO considerations?

I don't have any particular insight on Denver as I only visited it once in 1999. However I will share my relocation story. In 2013 we were living in Cincinnati, OH (great city) but I got a job offer near Seattle, WA. I ended up accepting and we moved out there. We were in our mid 30's at the time. I...
by Elsebet
Mon Sep 14, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2112
Views: 224823

Re: [What TV Show Have You Recently Watched?]

I just finished "The Man in the High Castle" on Amazon Prime. I liked Season 1 and 2 but my interest started waning about halfway through Season 3. That said I kept with it through the end (Season 4) because the acting and sets were all very good. I liked the premise more as alternate history fictio...
by Elsebet
Fri Sep 11, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Iron in well water
Replies: 14
Views: 1211

Re: Iron in well water

In our last home on a drilled well we had about 1.7 ppm ferrous iron and we had an ozone filtration system. We had the following products from Master Water filtration systems: FUSIONG13 - Iron Filter MP-CLR-45T - Softener They worked well, but realize the filter will need to backwash regularly and o...
by Elsebet
Thu Sep 10, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5770
Views: 1379414

Re: What Movie Have You Recently Watched?

Downton Abbey. I'd never seen it before and watched the entire series on Peacock Streaming in less than three weeks. I finished the last episode about an hour ago and already ordered the 2019 movie DVD from Walmart. I thought it was ridiculous how all those intractable problems were resolved in the...
by Elsebet
Thu Sep 10, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5770
Views: 1379414

Re: What Movie Have You Recently Watched?

Pitch Black , on DVD, made in 2000. Sci-fi action / horror starring Vin Diesel. You won't fall asleep watching this one. I liked it. It's the introduction to Riddick and the Chronicles of Riddick , which I have on DVD and will watch next. I didn't like the two sequels as much as the original, even ...
by Elsebet
Thu Sep 03, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2404

Re: Underwriter asking about husband's old child support as if it is current

Just an update, they must have liked that documentation because we are clear to close on our original date! I'm still scratching my head as to why they were adamant that my husband owed child support. We checked his Experian and TransUnion reports and it wasn't listed on there at all. The entry they...
by Elsebet
Wed Sep 02, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2404

Re: Underwriter asking about husband's old child support as if it is current

My husband called the County Dept of Family Services and they emailed him: - a letter stating that he doesn't owe any child support, and - a full payment history on his child support account showing a 0 balance as of June 2012 We forwarded both to our loan processor and mortgage officer, who in turn...
by Elsebet
Wed Sep 02, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to intentionally go backward in compensation?
Replies: 67
Views: 4977

Re: Can I afford to intentionally go backward in compensation?

cogito wrote: Tue Sep 01, 2020 11:13 pm Man, what are some of these posters talking about. You guys are multimillionaires, in what universe is dropping down to just 400kish household income an irreparable mistake? Get some perspective, your health and life is more important than anything, and you've already won the game. Do it!
Agree!
by Elsebet
Wed Sep 02, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2404

Re: Underwriter asking about husband's old child support as if it is current

Try calling as suggested. But underwriting can be intractable at times. Will the underwriters including child support in error in their review make you unable to qualify for the mortgage? If you can still qualify, aside from the aggravation, consider providing the information just so underwriting c...
by Elsebet
Wed Sep 02, 2020 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2404

Re: Underwriter asking about husband's old child support as if it is current

Doesn't the divorce decree mention child support and end date? The child turned 18 in 2012 and the court mandated support ended at that point. The divorce was finalized in 2013 and there is no mention of any child support on the decree. In fact it explicitly states "4. Neither party is awarded any ...
by Elsebet
Wed Sep 02, 2020 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Underwriter asking about husband's old child support as if it is current
Replies: 21
Views: 2404

Underwriter asking about husband's old child support as if it is current

Hello! My husband and I are buying our first home as a couple. We both had prior marriages which are both ended and his included a child who is now 26. He did pay child support for her until she was 18 (2012). The divorce with his ex-wife was finalized in 2013 when the child was 19. The divorce decr...
by Elsebet
Mon Aug 31, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3377

Re: Bee keeping

I have been wanting to keep bees for years and am finally planning on starting with 2 hives next spring. I have honey every day in my tea and i love drinking mead. I'd love to make my own mead too. When we lived in Ohio I took a class on assembling a beehive from mail ordered parts, it was fun but a...
by Elsebet
Fri Aug 28, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16291

Re: Do you talk to your friends/family/coworkers about this stuff?

I've brought up personal finance with a few young colleagues, usually they've been very interested and receptive to Boglehead type advice. At the start of my career a savvy colleague helped me get on track and I've always felt grateful for that. Same exact story for me, I pay it forward by trying t...
by Elsebet
Wed Aug 26, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10150

Re: A Beater Truck and a FAT 401k...

For most people, it is definitely easier to max the retirement accounts first and then figure out how much house and car you can afford then doing it the other way around. I've seen this firsthand at the office with younger co-workers in particular. They want to save more for retirement, but their ...
by Elsebet
Sun Aug 23, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9576

Re: Vacationing safely in the era of Covid - How did you do it?

We try to run our lives as normal as possible. We fly on planes (it's great because there's so much space), we eat indoors at restaurants, we sight see as per normal, etc. We do wear masks when it is required. Same - my husband and I are both 44 and suspect we both had COVID already, though I have ...
by Elsebet
Fri Aug 21, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4581
Views: 1278323

Re: What Book Are You Currently Reading? Part VI

"A Wrinkle in Time" by Madeleine L'Engle. It has been a clue/answer on Jeopardy several times so I decided I better read it.
by Elsebet
Wed Aug 19, 2020 5:43 pm
Forum: Personal Investments
Topic: age 44 what should be my asset allocation
Replies: 22
Views: 2117

Re: age 44 what should be my asset allocation

I'm 44 also and I am at 70/30. I'm gradually changing my 401k contributions to be closer to 60/40 at age 50. I'm admittedly a bit on the conservative side. If I can manage to stay at my company until age 58 I'll get a full pension and I'd retire then for sure. Our expenses are quite low and we have ...
by Elsebet
Wed Aug 19, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15250

Re: Products that last forever

KitchenAid mixers have always had a mix of nylon and metal gears. The nylon gears are designed to shear off under too much stress to protect the rest of the gearbox and motor. The nylon gears are very easy to replace and only cost $15. I blow mine out every 6 or 7 years and it’s also a good time to...
by Elsebet
Wed Aug 19, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4392

Re: Approach to "News" Consumption

I look at reuters.com once per weekday and not at all on weekends. I used to read reddit but now I only look at a few subreddits and avoid any news/political posts there, although that is getting more difficult because people find a way to inject it into almost any subject. I do not look at any soci...
by Elsebet
Tue Aug 18, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6106

Re: Thinking of moving Seattle or Vancouver, WA

We just moved away from Issaquah, WA (just east of Seattle and Bellevue). This is just my opinion and know that we moved out there in 2013 after living in OH/PA/KY all our lives and by 2020 we were very homesick. I personally would not recommend the area. As others have noted, your 650k budget is un...
by Elsebet
Wed Aug 12, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8888

Re: Helping my nephew out of his rut

Your nephew might be a good candidate for a trades career. Goodness knows at times there seems to be a dearth of them. Always plenty of "handyman" types, often doing more damage than good. Agree, see if he likes plumbing or electrical. I see ads for CNC/Swiss machinists a lot too, but this may depe...
by Elsebet
Wed Aug 12, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Large pay cut for better quality of life
Replies: 82
Views: 7464

Re: Large pay cut for better quality of life

Not as drastic as yours but I recently took a about a 28-38k (depending on bonus) pay cut to take a job back in my home state. The lower COL and less expected hours (37.5/week) makes the pay cut much less drastic. My new company's health insurance is also better so I pay less out of pocket. Make sur...
by Elsebet
Fri Aug 07, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24001

Re: Oddly Difficult to Find Items During the Pandemic

I agree that Penzeys is generally higher quality. I base this assessment on using Penzeys and then switching to whatever they had at kroger and immediately regretting it. I specifically call to mind separate instances of using cumin, garlic, and cayenne pepper as a dominant ingredient and immediate...
by Elsebet
Fri Aug 07, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "sunsetting" CFP consultations
Replies: 137
Views: 11581

Re: Vanguard "sunsetting" CFP consultations

I don't think Bogle would be against cost efficiencies but there gets to be a point where a company can lose its soul. I think of Bogle's book Enough where he diagnosed what ails modern capitalism. There is more to running a company than just saving money. Hard to say exactly where the line is draw...
by Elsebet
Fri Aug 07, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Chemical Stump Removal
Replies: 17
Views: 1647

Re: Chemical Stump Removal

Mr. Rumples wrote: Thu Aug 06, 2020 11:31 pm I have some tree stumps, but have decided to leave them and plant ivy on them.
Be careful to not plant the invasive English ivy in this scenario!

https://www.invasive.org/alien/pubs/mid ... c/hehe.htm
by Elsebet
Thu Aug 06, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15717

Re: Should I purchase a whole house generator?

When we lived in the semi-rural PNW we would lose power almost anytime it snowed or the wind blew. The big trees + power lines did not mix well. We bought this Pulsar dual fuel generator . Our house there had oil heat with a wood stove for backup heat so it was really just for the refrigerator, inte...
by Elsebet
Wed Jul 29, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9075

Re: Mosquitos! Mosquitos! Mosquitos!

Pesticides will kill beneficial insects as well. Should not be used unless you want to contribute to the decline of the pollinators. Deet based repellents are the only thing that consistently works. Have to agree here, we prefer not to use chemicals also since we intend to keep bees soon. We elimin...
by Elsebet
Tue Jul 28, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5770
Views: 1379414

Re: What Movie Have You Recently Watched?

Watched "Amadeus" from Netflix on blu ray. I had watched this years ago but didn't recall most of it other than the infamous fart scene. Really enjoyed the second watch although it's a long movie so we split it over two evenings. Really great acting!
by Elsebet
Tue Jul 28, 2020 9:22 am
Forum: Forum Issues and Administration
Topic: Bogleheads type forum for discussion of current events?
Replies: 14
Views: 1474

Re: Bogleheads type forum for discussion of current events?

I long for the same type of forum as the OP has in mind. I like reddit for the niche subreddits but I cannot read anything about news/politics on that site as the commentary is extremely biased, anything against the reddit hive mind disappears. I had an idea for a forum where you had to verify your ...
by Elsebet
Tue Jul 21, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6656

Re: Anybody watch new joe Rogan episode with Peter Schiff?

I listened to the entire episode. Peter Schiff definitely has legitimate concerns, some of which are worrying to me also. However the way he presents his arguments makes him sound like an extremist and I can see why he turns some people off. When Joe kept asking him about what he would do differentl...
by Elsebet
Tue Jul 21, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: It is okay to spend money on depreciating assets?
Replies: 51
Views: 3677

Re: It is okay to spend money on depreciating assets?

Just posting for humor: "If it flies, floats or [expletive removed by admin LadyGeek] , rent it, don't buy it," said the character Tommy Earl Bruner in Dan Jenkins' novel, Baja Oklahoma (1981). I second the idea of renting one for awhile. If you still want to buy, purchase a used one with cash and b...
by Elsebet
Mon Jul 20, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Homemade or ultra low cost dish and laundy soap?
Replies: 33
Views: 2050

Re: Homemade or ultra low cost dish and laundy soap?

Have you tested your water's hardness. You could get a water softener which would allow you to reduce the amount of soap (detergent, shampoo, whatever) dramatically, assuming your water is average hardness. I want to second this. When we had a new well drilled they installed a water softener. We on...
by Elsebet
Fri Jul 17, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6355

Re: Anyone else love this new working from home thing?

For me there are pros and cons. I like not having to rush out the door every morning to commute and being home is certainly more convenient. I relocated to a new city/company in April 2020. Apart from my initial interview in February 2020, I have not been into my office. I don't even have a badge to...
by Elsebet
Fri Jul 17, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2112
Views: 224823

Re: [What TV Show Have You Recently Watched?]

Currently watching "The Boys" Season 1 on Amazon Prime. I like it but it's also kind of depressing in a way that's hard to describe without spoiling it. We also recently finished Brockmire Season 4. I have to say season 4 is quite a departure from the previous 3 seasons, which I loved. I'm not entir...
by Elsebet
Wed Jul 15, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 214
Views: 15953

Re: Gardening 2020

How are your Roma tomatoes doing? I tried those last year, but ended up with bloom rot on most of them. I've read that means there wasn't enough calcium in the soil. That reading also told me that it's mostly cosmetic and you can cut off the bad end, but I never had enough tomatoes ripe enough at t...
by Elsebet
Tue Jul 14, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 214
Views: 15953

Re: Gardening 2020

We are temporarily in a rented townhouse after a relocation but the rear deck gets a lot of sun so I have a container garden this year:

2 roma tomatoes
2 cherry tomatoes
2 bell peppers
2 cucumber

I bought the plants in late May and am about to harvest my first tomato and cucumber for my salad today!
by Elsebet
Mon Jul 13, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring from a career in tech
Replies: 104
Views: 10747

Re: Retiring from a career in tech

I'm only 43 and felt a similar way you did. I work in IT also in a similar role. I moved from Seattle, WA to a LCOL area and took a job at a company that only requires 37.5 hours per week, and that's all I work! Feels like pre-retirement compared to my old 50-60 hours per week job.
by Elsebet
Wed Jul 08, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 79
Views: 6598

Re: How would permanent WFH reshape Silicon Valley?

Another thing too, is that some people actually enjoy being in the office. I know I preferred it. Not everyone is an introvert! I liked working from home occasionally, but I wouldn't want to do it FT. I like the separation of home and work. I liked getting out for the day, trying a new place for lu...
by Elsebet
Wed Jul 08, 2020 9:35 am
Forum: Personal Investments
Topic: COVID Portfolio
Replies: 33
Views: 2453

Re: COVID Portfolio

OP, do you mean a mutual fund of industries that would be open and potentially prosper during a respiratory disease pandemic? If so that is kind of a fun mental exercise. Based on this one I'd guess: Domestic PPE manufacturing companies for industry Domestic PPE manufacturing for normal citizens (ma...
by Elsebet
Wed Jul 01, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Landlord expectations: Rats in the yard
Replies: 80
Views: 5735

Re: Landlord expectations: Rats in the yard

I'd suggest a rat terrier instead of a cat since you already have two dogs. I have one and she has a great track record with controlling rodents. :)
by Elsebet
Thu Jun 25, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Dead ants in radiator
Replies: 16
Views: 808

Re: Dead ants in radiator

We had ant issues for a long time, until I bought the following for under $5: https://www.homedepot.com/p/TERRO-Indoor-Liquid-Ant-Killer-Baits-6-Count-T300/202532940 One of the rare things that worked for us exactly as advertised. I also recommend the TERRO product. We had ants in our temporary ren...
by Elsebet
Mon Jun 22, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2159

Re: Moving/Selling House Stuff

In our recent move from WA to PA my new employed paid for the relocation including the movers. However we were going to be renting and had to trim the fat a bit since we didn't want to put anything in storage. I used Nextdoor.com to post items for free and got rid of every single thing I posted and ...
by Elsebet
Thu Jun 18, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Rain barrel questions
Replies: 28
Views: 2393

Re: Rain barrel questions

When we were in Cincinnati the city had a sale on them once and we bought one there cheaply. However we wanted another one they were all $100+. We ended up finding someone on Craigslist who was selling empty barrels from his beer making supplies. We picked up two for $30 and made rain barrels out of...
by Elsebet
Tue Jun 16, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Should you take a counteroffer from your employer?
Replies: 34
Views: 3519

Re: Should you take a counteroffer from your employer?

Note, this is just my experience I'm sharing. It's ultimately up to you to decide based on your situation, but I have a real negative experience to share. This was the first counteroffer I've ever taken in my career. In late 2019 I was unhappy with my job at Company A and some former co-workers from...
by Elsebet
Thu Jun 11, 2020 11:59 am
Forum: Personal Investments
Topic: Haven't been sleeping well.. thinking of getting super conservative with AA
Replies: 69
Views: 7361

Re: Haven't been sleeping well.. thinking of getting super conservative with AA

Just curious, did you look at your portfolio a lot during March/April when the market was going down? I am being honest with you here - I did not log into any of my retirement accounts from the middle of February until mid-May. I knew it would be ugly and I didn't want the stress of seeing it. I hon...
by Elsebet
Wed Jun 10, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1486

Re: Backyard renovation: lawn vs pollinator garden

I plan to have an edible/pollinator intensive landscape when I buy a property in my new state.

Here is a good article from WSU on the subject: https://pubs.extension.wsu.edu/pollinat ... den-series
by Elsebet
Mon Jun 08, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5770
Views: 1379414

Re: What Movie Have You Recently Watched?

Watched "1917" last night as a blu ray rental from Netflix. I'm not usually a big war movie fan but this one was really well done and I'm purchasing a copy of my own.
by Elsebet
Mon Jun 08, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2112
Views: 224823

Re: [What TV Show Have You Recently Watched?]

I just finished Waco on Netflix. I thought I'd enjoy it more considering the many strong actors but I thought it was just ok. I think it might have been better as a slightly longer series focusing on how Koresh managed to get where he was before the siege.
by Elsebet
Sun Jun 07, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11533

Re: The "Best of" for Aldi?

We recently moved to Pennsylvania and my husband took me to Aldi for the first time here. I really liked the prices and quality of the few things we tried like the dried fruit (cranberries & apricots). I especially loved these meatless meatballs . Looking forward to my next trip to find a few items ...
by Elsebet
Wed Jun 03, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Looking for a Sit / Stand Desk and Office Chair
Replies: 10
Views: 895

Re: Looking for a Sit / Stand Desk and Office Chair

We have two of these desks and are very happy with them: https://www.amazon.com/gp/product/B00M3320JQ/ref=ppx_yo_dt_b_asin_title_o03_s00?ie=UTF8&psc=1 I don't sit much but I have a tall chair that my husband received when his office closed a few years ago. I find it's easier to get a tall chair that...