Search found 53 matches

by Moolala
Wed Jan 10, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1532

Re: Cars in college

I really doubt that Georgia Tech requires a car. MARTA transit in Atlanta is very easy to use, and the Georgia Tech campus is not only compact (and beautiful), but within an easy walk/public transit trip of grocery stores and other necessities in addition to one of the most trendy and enjoyable part...
by Moolala
Sun Jan 07, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8747

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

I guessed 28992. I may have forgotten a decimal. :oops:
by Moolala
Sun Jan 07, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 126
Views: 8807

Re: 2018 Hedge Fund contest

Name: Moo-rific Money Management LLC
(Moo Good to be True)

Long:
Moody's Corp (MCO)
Cowen Inc. (COWN)
General Mills [Cereal! :D] (GIS)

I think these stocks are going to mooooooove!
by Moolala
Sun Dec 31, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

I just wanted to note that, while I generally agree with the advice to use a BigLaw salary to pay down law school debt as quickly as possible (that's what I did), this might not always be the best case for everyone. Interest rates vary wildly, and one of my former colleagues had law school loans at...
by Moolala
Sun Dec 31, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

Just saw this. I did the law school thing many moons ago. Law school admission is still all about the numbers (GPA + LSAT), and you have good ones. There are also other factors that could tip the scales in your favor, (geographic diversity, undergraduate college attended, essay, URM status, work ex...
by Moolala
Sat Dec 30, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

OP - You asked about how much law school debt to take on. The unhelpful but probably accurate answer is, assuming you're aiming for a reasonably long stay at biglaw (at least 4-5 years), as much debt as you need to. But in reality, consider your undergrad debt, other obligations (family, property, ...
by Moolala
Mon Dec 25, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

For a small application fee and a little extra work, you can apply to other schools that you don't necessarily want to go to and use any scholarship offers they give you as leverage with your target schools. Forget the app fees, send an e-mail to Admissions for any LS that you are interested in, an...
by Moolala
Mon Dec 25, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

Thank you for all of these helpful replies! I really value and appreciate all of your advice and will post again with an update once I (hopefully) get some offers. if there's an option for including other materials, do so. I sent in some op Ed pieces I wrote for my college paper. I'd also suggest yo...
by Moolala
Sun Dec 24, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

How likely are you to receive need-based aid? That could reduce the sticker price dramatically. I don’t think you’re going to get much merit aid from the t14. Not likely to get any need-based, so loans are likely. Thank you, InMyDreams, for the suggestion! I'll will definitely be looking for option...
by Moolala
Sun Dec 24, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

IMO, there is no need to take out massive loans to attend Columbia or NYU, when #7 will get you where you want to go, with a whole lot less debt. That being said, law school apps are up for the first time in a decade, so perhaps the merit money might dissipate somewhat. OP: don't waste your time on...
by Moolala
Sun Dec 24, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

It's been a few years since I took the test and applied for schools. But, my understanding is that a lot of the top schools don't give many merit scholarships and if they do it would be because of some fantastic story or (much more likely) an incredible LSAT score. 167 is a solid score, however, it...
by Moolala
Sun Dec 24, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

law school is almost all about two numbers: GPA+LSAT. To enhance your career prospects, attend the highest ranked school that you can afford, i.e., net of merit money. A few extra points on the LSAT would mean a high probability of admission to Harvard Law and/or big merit money at many in the T14....
by Moolala
Sun Dec 24, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Re: Securing Law School Scholarships

AZAttorney11 wrote:
Sun Dec 24, 2017 3:56 pm
Are you a minority or female? Fair or not, that matters. If the answer is no to both, retake the LSAT.
Yes. I am female and Hispanic (not Latina). I wrote a diversity statement highlighting the diversity of my background but am not disadvantaged.
by Moolala
Sun Dec 24, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2557

Securing Law School Scholarships

Hello everyone —  I am currently applying to competitive law schools (top 14 and top 20) and was wondering if you have any tips on maximizing potential to secure scholarships. My LSAT is 167 and my GPA is 4.0 I am planning to use a general personal statement for each, adding school-specific statemen...
by Moolala
Sun Oct 29, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 30456

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Barry Barnitz wrote:
Fri Oct 27, 2017 1:35 pm
Hi:

Much thanks to GoldenFinch and daughter, Moolala. These notes are now posted on our affiliate blog. Please see Notes from Bogleheads® 16 | Financial Page for the amalgamated blog version.

regards,
Thank you Barry and Lady Geek for posting! I’m so glad the notes could be helpful.
by Moolala
Sat Oct 14, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6441

Re: What do you buy in Asian food stores?

Natto is delicious! I think that is an excellent choice. One of my first jobs was as a cook at a Japanese restaurant, and I learned so many easy recipes there. Here are a few of my favorite ingredients: As angelescrest mentioned, bok choy is a wonderful leafy green - easy to saute or stir fry, and a...
by Moolala
Sat Jul 15, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Any suggestions on low cost in-home exercise equipment? My budget is tight and my joints are young so I don't need anything fancy. I live in a rough neighborhood and sadly can't jog/bike/walk outdoors too safely, and have a budget of about $150, total. I'm not into weights (though I have a few) and...
by Moolala
Tue Jan 24, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 7638

Re: Those silly lotion containers

Makeup containers do this, too. And are often made of such heavy plastic they can't be cut. It's a 15-25 percent loss, easily. Tricky manufacturers.
by Moolala
Tue Jan 24, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 45466

Re: Flaunt Your High-Mileage Car

No car! I walk! And only pay for the chocolate that gives me my energy. 8-)

(21y/o in a big city. Hopefully someday I will buy a car used, reliable, and safe.)
by Moolala
Sat Jan 07, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36691

Re: 2017 hedge fund contest

BackOfTheNet wrote:I

Let me know if you see something wrong.
Oops! All of my shorts are listed as longs and my longs are listed as shorts!

Short: JWN, VSI, XRX

Long: PZZA, DIS, HSY

I also forgot a name but that's my bad! :( Unofficial name for the record: Topiary Prosperity
by Moolala
Mon Jan 02, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36691

Re: 2017 hedge fund contest

Short: JWN, VSI, XRX

Long: PZZA, DIS, HSY
by Moolala
Sat Dec 31, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 7171

Re: Is it safe to use debit cards? Anybody here have one compromised?

I witnessed a friend have their debit card compromised and go through an awful struggle. I vowed then never to use one. Good thing, too! That year I had my card stolen online ($500 charge; was awkwardly notified when I was denied in the grocery store) and then had one stolen off of me (pickpocket) a...
by Moolala
Sat Dec 31, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the next-door lot - and finance?
Replies: 14
Views: 2206

Re: Should I buy the next-door lot - and finance?

I was in a similar situation. I tried to buy the adjacent lot but got outbid by someone who wanted to develop it (and who eventually did, with something horrible next door that impacted my experience with my property significantly). I have always regretted that outcome. That fear came to mind for m...
by Moolala
Fri Dec 30, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Well made woman's shoe?
Replies: 40
Views: 5390

Re: Well made woman's shoe?

I love Clarks for their well-made flats. My current pair has lasted a year and a half. (Paid $79 at an outlet store, but that's a typical price for their shoes.) I've worn them every day, and they were perfect for all my 4 mile walks to/ from work. I'd formerly been wearing discount shoes, but they ...
by Moolala
Fri Dec 30, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Also, indoor riding can become boring quickly. This book has detailed stationary bike workout plans that will give you variety and a challenge: Smart Cycling: Successful Training and Racing for Riders of All Levels by Arnie Baker Good luck with your training! :happy So true, and definitely somethin...
by Moolala
Fri Dec 30, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

If you live in an apartment or condo using a jump rope or weights might not make you very popular. Watty, you made me laugh. Good point! Thankfully, I'm on the ground floor ! :D Does this imply there are upper floors? Doesn't your apartment building have stairs to the upper floors? A few posts ago ...
by Moolala
Fri Dec 30, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Watty wrote:If you live in an apartment or condo using a jump rope or weights might not make you very popular.
Watty, you made me laugh. Good point! Thankfully, I'm on the ground floor! :D
by Moolala
Fri Dec 30, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Thank you everyone! Every single post here is helpful! And these ideas are all so great and simple I'm feeling motivated to go and get fit. Thank you, too, for all the background info. Good to know, for instance, that it takes a while to do good pull ups in a row, and all of the tips on Netflix, sta...
by Moolala
Thu Dec 29, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Livesoft, I love this idea (if I can commit!) Is this a silly concern - could a cheap apartment door break? It uses the door frame and not the door at all. I doubt the frame would break, but I don't know how much you weigh. There must be a youtube video showing these contraptions. Fortunately, I'm ...
by Moolala
Thu Dec 29, 2016 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 1326

Re: How to minimize taxes, invest wisely at 21?

I'm not sure if you are aware but I believe that grad school stipends for living expenses are taxable income (but not earned income) and you may be sent a 1099 misc form (box 3, other income) for the living expenses stipend. You may have to make quarterly tax payments for that living allowance stip...
by Moolala
Thu Dec 29, 2016 11:28 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Re: Affordable home exercise

Run up and down your stairs:) Seriously though. It will work well. You imply you have a bike. A couple of things - drive to a better area an ride and purchase a bike trainer. Just do a search for bike wind trainer or magnetic trainer. You mount your bike in the trainer at the rear axle. Also, look ...
by Moolala
Thu Dec 29, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Analyzing schools for an advanced child
Replies: 65
Views: 5171

Re: Analyzing schools for an advanced child

It seems like you are putting good thought into this. Fortunately, it also sounds like you have lots of time ahead of you to find the right school. No school is perfect, and when you make a final decision it might be worth considering two things in synch: -How sustained are the good programs at the ...
by Moolala
Thu Dec 29, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Zipcar?
Replies: 9
Views: 1556

Re: Zipcar?

I sold my car several years ago and use ZipCar and Uber. I pay the extra each year to avoid having any issues with damage. (less than $80) So much cheaper than auto insurance! I've had one issue, where the car was damaged after I left the vehicle. ZipCar acknowledged that the parking space for that...
by Moolala
Thu Dec 29, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 10123

Affordable home exercise

Any suggestions on low cost in-home exercise equipment? My budget is tight and my joints are young so I don't need anything fancy. I live in a rough neighborhood and sadly can't jog/bike/walk outdoors too safely, and have a budget of about $150, total. I'm not into weights (though I have a few) and ...
by Moolala
Thu Dec 29, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 1326

Re: How to minimize taxes, invest wisely at 21?

Since your income will be so low, I suspect that contributing to Roths is optimal for you. Does the 403(b) have a Roth option? Once you pass the employer match, definitely max out the $5500 contribution to a Roth IRA before contributing more to the 403(b). If you are only going to be in the job for...
by Moolala
Thu Dec 29, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 1326

Re: How to minimize taxes, invest wisely at 21?

Thank you, everyone! I always learn so much here. I will go ahead and max out both the Roth IRA and the 403(b) -- and make sure to to have some fun. That's always a good reminder. :happy (Thank you blinx77, Pajamas, and Good Listener!)
by Moolala
Thu Dec 29, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 1326

Re: How to minimize taxes, invest wisely at 21?

I am expecting to attend graduate school only if it is fully funded with a stipend. Thanks to the field I am going into, my chances of admission are good and if I am accepted, the funding will be there.
by Moolala
Thu Dec 29, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 1326

How to minimize taxes, invest wisely at 21?

Hi everyone, This was a long post. Edited for clarity. I am 21, just finished college, and am transitioning to full-time work at my first salaried job. It is a one-year salaried position, and after it ends, I plan to begin graduate school. I'm budgeting my income and trying to figure out the smartes...
by Moolala
Wed Jun 01, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How did you educate your kids on finances
Replies: 32
Views: 3286

Re: How did you educate your kids on finances

I learned about the value of hard work by scrubbing the grout between the tiles on the bathroom floor with a toothbrush. Pay was about a 50 cents for a half hour's work on my hands and knees. Once I'd saved up, I could go to the store and buy myself a snack. It can hard to teach kids that money does...
by Moolala
Mon May 30, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 8654

Re: Private school? Any regrets?

I would recommend you first visit the public school and speak to potential teachers (so many schools have nights for prospective parents that showcase the schools and they are very worthwhile) and if you think that it would be an okay place to send your child, give it a shot and be sure to be an inv...
by Moolala
Mon May 30, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Informing your adult kids about your detailed personal finances
Replies: 30
Views: 4653

Re: Informing your adult kids about your detailed personal finances

livesoft wrote:
Our dog can now run our portfolio for us and our kids.
Hah! :sharebeer
by Moolala
Mon May 30, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Informing your adult kids about your detailed personal finances
Replies: 30
Views: 4653

Re: Informing your adult kids about your detailed personal finances

I appreciate knowing about my parents' finances (although I haven't sat down to see any numbers) because I've learned from what they do. As someone just breaking in to the real world, it's reassuring to see what is possible through good investing and makes it easier for me to relate my own finances ...
by Moolala
Mon May 30, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Student loan vs. Invest
Replies: 8
Views: 888

Re: Student loan vs. Invest

I'd definitely start working on the loans. Six months is no time at all, and if you have more money coming in the door like that you can reasonably dump a large percentage of it into paying off loans (say 85K), keep the rest for emergency fund, and do the same thing at the end of the next six month ...
by Moolala
Sun May 29, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 43
Views: 3710

Re: Yoga or Pilates or Something Else?

Actually, out of curiosity (because obviously there's nothing wrong with it), but is yoga generally associated with women? If I sign up for a yoga class, will that mean it's mostly going to be women? Yoga classes have always seemed more gender-diverse to me than a lot of other exercise classes. In ...
by Moolala
Sat May 28, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7155

Re: tips for weight exercises/training

Walking can be the way to go! The OP is asking about weight training and staving off additional sarcopenia. Walking will do nothing to get him/her stronger or increase muscle mass. That's quite debatable, depending on how out of shape OP might be. Walking is an excellent way to retain bone mass and...
by Moolala
Sat May 28, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 15473

Re: Early retirement and opportunity cost by Harry Sit

It can be healthy and important to consider opportunity cost, but those thoughts shouldn't bring on guilt. If I had a BMW it wouldn't mean much more to me than a Prius. Any second or third big cars would sit in storage and depreciate. Not much different than sending them straight to the junkyard.
by Moolala
Sat May 28, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7155

Re: tips for weight exercises/training

Walking can be the way to go! Exercising is so much easier with good music and/or good radio. Do what it takes to get motivated and to commit. Better to invest in your health now than pay (quite literally) for the consequences later.
by Moolala
Sat May 28, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: Other Than Finances [Fun things to do]
Replies: 38
Views: 4067

Re: Other Than Finances [Fun things to do]

I'm going to try out Toastmasters soon. Seems like a good way to meet people and learn something new. Happy hour appetizers and coffee house nights are fun once you're a regular. I also have a lot of at-home hobbies - piano, knitting, writing, walks and card games. Diversifying adds excitement! :sha...