Search found 598 matches

by Loik098
Mon Jul 16, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 15
Views: 1629

Re: Bored

Make sure you do routine maintenance on your house and vehicles, including appliances, HVAC, etc. Know the ages of your big items, how long they are expected to last, and the most common reason they fail. Have a plan in place for whether you would fix/replace each appliance, for example. Study about...
by Loik098
Thu Jul 12, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Bounced check
Replies: 27
Views: 2698

Re: Bounced check

Your credit is affected when your payment is more than 30 days late....not until then. The most a payee can do is charge you a fee if you're still within that 30 day window.
by Loik098
Thu Jul 12, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2747

Re: Someone is using my cellphone number

I hope this is not fraud. What can I do to protect myself? Any suggestions that you think maybe helpful? What sort of fraud are you worried about, or what would you need protection from? Aside from attempting a takeover of your mobile account, what more could they do with your phone number? I would...
by Loik098
Thu Jul 12, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 55
Views: 4641

Re: Is expensive olive oil worth it?

1) As a dressing? Maybe. Do some taste tests first before wasting your money. 2) To cook with? No. If you haven't noticed the taste of your oil until now, you won't notice it by changing, either. Contrary to the (recent) prevalence of TV chefs who do so, you should not be using EVOO to cook with, an...
by Loik098
Wed Jul 11, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5286

Re: Anyone take naps at work?

I'm not sure how asking what others do in their own work environments will help to directly answer whether you can/should nap at your own workplace. The way I see it, you have a few choices: outright ask your boss about his/her thoughts on the matter, fix the sleep issues at home, find a way to nap ...
by Loik098
Sat Jul 07, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3617

Re: Whole Foods -- any drop in prices after Amazon takeover ?

If you have Prime, you should download the Whole Foods app on your phone so that you can view the deals at your local store before you go shopping. We mostly shop according to these "deals"....we don't usually use WF for anything other than milk, eggs, meat, and some produce, as it's too expensive. ...
by Loik098
Sat Jun 30, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1824

Re: Private Label Blackrock Index Funds?

I have the same, and no concern. Be thankful you have access to such low-fee CIT funds. As for my 401k: choices include a Blackrock 1000, a Blackrock 2000, a Blackrock International, and a Blackrock bond fund. The highest ER for any of them is 0.04%. I do have other funds from Blackrock available, b...
by Loik098
Fri Jun 29, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 15
Views: 1426

Re: Anybody Investing with 'Betterment'?

Is the goal of moving the cash to get the miles? Or, were you going to make this move regardless? If the goal is miles: I'd just apply for a credit card directly with Citi (and get more miles than 30k that way, anyway). If I already had previous AA cards with Citi, I'd barter for a 9-digit mailer f...
by Loik098
Fri Jun 29, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 15
Views: 1426

Re: Anybody Investing with 'Betterment'?

Is the goal of moving the cash to get the miles? Or, were you going to make this move regardless? If the goal is miles: I'd just apply for a credit card directly with Citi (and get more miles than 30k that way, anyway). If I already had previous AA cards with Citi, I'd barter for a 9-digit mailer fo...
by Loik098
Fri Jun 29, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 93
Views: 6171

Re: What are you learning or studying?

1. Reading lots of parenting books and forums. A good way to find whatever answer you want to be true. 2. Youtube videos on various home and car projects. Same. Have a parenting audio book playing right now during commute, and a paperback from a different author at home for the evenings after work....
by Loik098
Wed Jun 27, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1549

Re: Planning for children

So it seems as though the near consensus is to get LTD insurance for myself and my wife and then look at a will and trust? Is a lawyer the route to go? Or have any of you done this on your own using one of the legal websites? Agree with other posters. I have a LTD through my employer so check that ...
by Loik098
Wed Jun 27, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Getting Facebook Messages from a Scammer - need ideas
Replies: 12
Views: 1312

Re: Getting Facebook Messages from a Scammer - need ideas

Not sure if you use your cellphone for messenger, but on mine, I can just long-finger-press on the message thread and a menu option pops up. The option at the very bottom of the list is "Block."

Also, remember that you do not need to have a Facebook account to use Messenger.
by Loik098
Tue Jun 26, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1549

Re: Planning for children

Agree with others:

1) Disability insurance
2) Max out retirement (you can't borrow for retirement, but you can for college)
by Loik098
Tue Jun 26, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6556

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Find happiness outside of work, and treat work for what it's become to you: a place to make money. Place no emotional stock in anyone or anything negative at work that you end up bringing home with you. Chances are good that your next job could just be more of the same. This is part of building emo...
by Loik098
Mon Jun 25, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6556

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I could get another job very easily with my experience and connections, but Im afraid that the same thing will happen and I will be unhappy and want to quit. Then perhaps you shouldn't be tying your happiness to your work. If you continue to do so, chances are good that you'll never be happy, regar...
by Loik098
Mon Jun 25, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3079

Re: university admission issue

What should be done with screenshots? Send to the university? Also, I don't think the individual wants to pursue the legal angle. The person just wants the admission they thought they had or an alternative, like acceptance into next year's class. Thanks! Evidence of misleading information could be ...
by Loik098
Mon Jun 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3079

Re: university admission issue

rich wrote:
Mon Jun 25, 2018 9:31 pm
Also the website information was corrected after the acceptance was rescinded.
Was there any documentation kept from the time when the website was incorrect? Screenshots, emails, brochures?
by Loik098
Mon Jun 25, 2018 4:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Are Better in the Morning
Replies: 13
Views: 2943

Re: Bogleheads Are Better in the Morning

Aren't most old people? :D
by Loik098
Mon Jun 25, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1150

Re: Small loan by the way of 0% APR credit card

Sorry to hear about your son. Best wishes for a speedy recovery. Sounds like you know the risks. Just make sure the balance transfer option you pick has a $0 balance transfer fee and 0% APR for as long as you can find. Have a solid plan for paying it off before it comes due, and don't be tempted to ...
by Loik098
Mon Jun 25, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6556

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I could get another job very easily with my experience and connections, but Im afraid that the same thing will happen and I will be unhappy and want to quit. Then perhaps you shouldn't be tying your happiness to your work. If you continue to do so, chances are good that you'll never be happy, regar...
by Loik098
Mon Jun 25, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4012

Re: Sudden appearance of multiple buyers real or negotiation tactic?

It should make no difference whether you received an email, a threatening phone call, a letter, news of competing offers, whatever. Submit your offer once, regardless of any noise. If it's accepted, great. If it's not, walk away. If you're asked if you want to alter your offer, submit the same one a...
by Loik098
Mon Jun 25, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2229

Re: 2007 Toyota Corolla

Wife's car is a 2010 Corolla, has only ~50,000 miles on it. We had to replace the cam gear around 42,000 miles once the car started making a metal scraping noise on startup. We were told by the mechanic that this is a common issue with that generation Corolla. The noise went away for awhile but now ...
by Loik098
Mon Jun 25, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4035

Re: House seller fudging disclosure re: buried oil tank?

Are you also the "police" on the road by ensuring others are obeying traffic laws? Do you go to a produce section at a grocery store and report rotting fruit to the manager? Do you confront owners of unleashed dogs at the park? Are you actively warning others of pricing ripoffs you find in life? I g...
by Loik098
Sat Jun 23, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1708

Re: What do you include in your grocery budget?

No way am I separating out my consumables. Anything that touches the body, goes in it, or cleans up after it goes under "Grocery." Why? Because that's where it's all bought. Don't consider Costco or Walmart a grocery store? Simple: for budgeting purposes, change your mind. No one take separate, indi...
by Loik098
Fri Jun 22, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Find a new job or not (golden handcuffs, etc etc)
Replies: 11
Views: 1779

Re: Find a new job or not (golden handcuffs, etc etc)

30 years old, married, no kids (but probably in ~1-2 years Children have a way of changing perspectives. You may not want to work on side projects anymore if you suddenly think your'e becoming a workaholic father. Flexibility to travel for work could be gone. Wife's new job may interfere with some ...
by Loik098
Fri Jun 22, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 2979

Re: Complain or Negative Review for Rip-off Plumber?

The first plumber then fixed their mistake - however I never got an apology or any consideration for the five days (including a weekend) I did not have water to the house while I was trying to get estimates for the "second (non-existent) hole". Did you go above the plumber's head to ask for a parti...
by Loik098
Mon Jun 18, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Invest more or accelerate mortgage payoff?
Replies: 15
Views: 1029

Re: Invest more or accelerate mortgage payoff?

Wiki here: https://www.bogleheads.org/wiki/Emergency_fund

Build the emergency fund first, then decide where to put your extra money.
by Loik098
Mon Jun 18, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: BH way to celebrate a milestone anniversary?
Replies: 4
Views: 596

Re: BH way to celebrate a milestone anniversary?

To celebrate a milestone, I've never been a fan of watching movies or engaging in any activity in which you're both there, but not actually interacting with each other. You can do that any night of the week. I would prefer to use the time to talk and interact in order to celebrate. How about a walk ...
by Loik098
Sun Jun 17, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8376

Re: Which Supermarket are you?

1) Dry goods: Winco. Makes no sense to pay more for the exact same items at a name-brand grocery store like Raleys, Safeway, etc. 2) Produce: local farmer's market on Saturday mornings. Produce at grocery stores can never be as fresh (including Whole Paycheck). 3) Meat: Costco, Winco, or Sprouts.......
by Loik098
Sun Jun 17, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3077

Re: How do you read books?

I read mostly nonfiction. If I've chosen a book, it's usually because I want to know something specific from its contents. Like the OP, I won't remember much of what I read from a particular book. Also, due to choosing books that match my interests, I find that many books contain information I alrea...
by Loik098
Sun Jun 17, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1537

Re: Functional Medicine/ managing the costs

Finally, the actual doctors who do this also are able to provide verified therapies that can help a patient . That's where you're wrong. FM's sales trick is to "individualize" its approach to the patient to the degree that most of what it's doing can't be verified at all. That's the point: intentio...
by Loik098
Sat Jun 16, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1537

Re: Functional Medicine/ managing the costs

I recently went into my bank in order to upgrade my safety deposit box, and I chatted with the banker who helped me. Although I knew the answer to my question, when I asked her about her training, she informed me that the bankers at her bank don't have to have any special sort of training or degree ...
by Loik098
Sat Jun 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: What to do with the family wagon
Replies: 16
Views: 1455

Re: What to do with the family wagon

1) You've had a vehicle for 5 years and still owe $30k on it? 2) You started a landscaping project while still owing $30k on a vehicle? 3) You're putting $5500 into the market every month while still owing $30k on a vehicle? What's your savings look like, outside of your emergency funds? Are you dra...
by Loik098
Thu Jun 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3835

Re: Non-alcoholic drinks for wedding

Pajamas wrote:
Thu Jun 14, 2018 6:56 pm
Loik098 wrote:
Thu Jun 14, 2018 4:15 pm
We had a dry wedding. We did peach bellinis, and spent the money we would have spent on alcohol on offering better food instead. The bellinis were a big hit.
:?: A peach bellini is made with sparkling wine, traditionally Prosecco.
You can make them non-alcoholic. Google, "baby bellini."
by Loik098
Thu Jun 14, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3835

Re: Non-alcoholic drinks for wedding

We had a dry wedding. We did peach bellinis, and spent the money we would have spent on alcohol on offering better food instead. The bellinis were a big hit. If you can offer a drink people don't have very often or have never had, they may forget that they "need" alcohol at your event for a little w...
by Loik098
Wed Jun 13, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4997

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I think most posters are missing the point of the thread. OP specifically asked, " How do you mark a milestone in your marriage that isn’t related to a birthday or anniversary? I’m looking for ideas here... and then said in a follow up post that the potty training was just an example. No one here h...
by Loik098
Tue Jun 12, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2535

Re: How much to invest in elementary education?

Our district elementary school doesn't get the best grades and my oldest child who will be going there next year is advanced in that she was reading at 4, has an amazing memory and likes to learn. FWIW, test results from tests such as the WPPSI, Cognitive Abilities Test, or the Otis-Lennon School A...
by Loik098
Tue Jun 12, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2375

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

A letter or note with heartfelt sentiment is a cheap, but extremely effective gift.
by Loik098
Tue Jun 12, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: A great father's day gift
Replies: 19
Views: 3466

Re: A great father's day gift

vg55 wrote:
Sun Jun 10, 2018 1:24 pm

Well, now he is 36 years old. Handsome, tall, smart, well-educated and well-traveled, employed and single.
All the single ladies, listen up.
by Loik098
Tue Jun 12, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Suntrust Premier Banking Program
Replies: 5
Views: 553

Re: Suntrust Premier Banking Program

Congratulations on your deposit-level-ability. Banks use words like "premier", "platinum", "reserved" in order to make you feel like you are going to get services that the regular joe can't (hence, your question). They are simply using marketing to appeal to your vanity. Don't be fooled. Banks exist...
by Loik098
Tue Jun 12, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7360

Re: Boring Job

Food for thought for the future: when I look at resumes (I'm a hiring manager), I do take note of the length of employment at each job. I look at job history before I look at education, certificates, etc. If a candidate has too many jobs with too little time spent at each one, I begin to wonder if t...
by Loik098
Mon Jun 11, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4997

Re: How do you celebrate (potty trained kid) milestone with your spouse?

A couple of weeks ago I learned here about babymoons. Now I'm learning that I could have celebrated potty training. I think I'm a failure as a modern parent, since I missed out on so much celebrating. I probably need to go and set up an Instagram to share such things now, too. :oops: OP, be careful ...
by Loik098
Sun Jun 10, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Company Group vs Individual Long Term Disability Insurance
Replies: 1
Views: 196

Re: Company Group vs Individual Long Term Disability Insurance

WCI has written a great multi-part discussion on this topic which should answer most/all of your questions:

https://www.whitecoatinvestor.com/disab ... roduction/

Click to the next part of his series at the bottom of each article.
by Loik098
Sun Jun 10, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Best HEPA air purifier for cat allergy sufferer?
Replies: 13
Views: 841

Re: Best HEPA air purifier for cat allergy sufferer?

Cat dander is very sticky. It gets on clothing, carpet and furniture and is hard to remove as it is a very fine dust. Very unlikely a HEPA will remove any appreciable amount. +1. We were foolish enough to buy an air purifier when I developed allergies to a new cat. It was a highly rated something o...
by Loik098
Sun Jun 10, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3631

Re: The effect of a difficult last name on employment prospects...

There are some studies to support your premise: https://news.uci.edu/2014/02/26/uc-irvine-led-study-finds-truthiness-in-peoples-names/ https://www.iza.org/publications/dp/7725 https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.2026 A college professor of mine had a 20-something-character-long last...
by Loik098
Sat Jun 09, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2708

Re: Foreign language immersion daycare

By the time your unborn child is an adult, the only use of speaking foreign languages will be to impress the opposite sex. Technology is already very close to making the skill obsolete. We do VCs with live translation from time to time where the software takes care of it. My team member with 5 flue...
by Loik098
Sat Jun 09, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3530

Re: Found an FSBO home for sale. How to avoid Realtor?

Agent has a great deal of influence in setting the listing price. Further, studies have shown that realtors typically price client houses a bit under market because it increases turnover rate. It's better for the realtor to sell your house in 2 weeks for $20k less than they could get if it took 6 w...
by Loik098
Sat Jun 09, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2708

Re: Foreign language immersion daycare

If I were in your position, I would attempt to locate scientific research/surveys that indicates which activities (peer-to-peer interaction, reading, writing, math, science, language, etc) provide the highest guaranteed return of value when the child becomes an adult , and focus my attention on tho...
by Loik098
Sat Jun 09, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2708

Re: Foreign language immersion daycare

You say you've done some research on the fluency part, but didn't indicate how long these studies you've examined have followed the participants. Are these kids you're reading about still fluent as adults? If I were in your position, I would attempt to locate scientific research/surveys that indicat...
by Loik098
Fri Jun 08, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10542

Re: Why do we work?

chisey wrote:
Fri Jun 08, 2018 2:45 pm
Work is a means to money, and money is a means to the things in life that are fulfilling: experiences with the people you care about and the time and resources necessary to engage in them.
Well said.