Search found 527 matches

by Loik098
Fri May 25, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 35
Views: 2288

Re: work one more year or attend law school

Hi, I need some advice. I plan to attend a top 5 law school. And should start at $150-180k per year after graduating. How do you know this? the average starting salary for graduates at the top ten law schools is 150-180K Not my point. We can quote data all day long. We don't know this to be true fo...
by Loik098
Fri May 25, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 35
Views: 2288

Re: work one more year or attend law school

Hi, I need some advice. I plan to attend a top 5 law school. And should start at $150-180k per year after graduating. How do you know this? I'm sure there's data out there somewhere. I have no idea if this is what the data says. Salary data is useful only for wishful thinking, as it can't guarantee...
by Loik098
Fri May 25, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 35
Views: 2288

Re: work one more year or attend law school

novicejamED wrote:
Thu May 24, 2018 2:48 pm
Hi, I need some advice.
I plan to attend a top 5 law school. And should start at $150-180k per year after graduating.
How do you know this?
by Loik098
Fri May 25, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: How long is reasonable? Life insurance followup
Replies: 5
Views: 699

Re: How long is reasonable? Life insurance followup

In reading your previous thread concerning this company, it looks like delay/incompetence is their game, and that you've now been dealing with this situation for a number of weeks. I typically give a company one more opportunity after a delay or screw-up. But not more than one, for that suggests a p...
by Loik098
Fri May 25, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 8
Views: 506

Re: Air Conditioner Questions: Stop Leak & Qualified Technician

After I got the second opinion I called back the first company, and asked why adding refrigerant wasn't one of the options givens. The manager said it should have been and that I'd also want to use a stop leak product. It will cost about $450 to do both of these things. $150 for the stop leak produ...
by Loik098
Fri May 25, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: I need advice on having 2 jobs.
Replies: 22
Views: 2127

Re: I need advice on having 2 jobs.

My knee jerk reaction is when do you sleep? If you do pursue this, you have to make sure that such arrangement does not violate any company policies, as you have already noted. Personally, I think this is not feasible for the long term. Due to the nature of my current job.. there are many days wher...
by Loik098
Thu May 24, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 12586

Re: Teachers: what are your best personal finance tips?

seligsoj wrote:
Wed Jun 07, 2017 8:51 pm

For anyone interested, when I finally do get this blog up and running, I would love your expertise, critiques, and guest posts!!!
Since your thread has been revived, OP: how is the blog coming along?
by Loik098
Thu May 24, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Verizon - Total Mobile Protection
Replies: 5
Views: 520

Re: Verizon - Total Mobile Protection

No. Far easier and cheaper to hold a credit card that offers cell phone protection. Currently, I believe Chase, WF (listed above by another poster), Barclaycard, US Bank, NFCU, and a couple of other companies all offer credit cards with free cell phone protection. Value is typically max $600 per cla...
by Loik098
Wed May 23, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1637

Re: Babymoon - Hawaii Recommendations/Expected Costs

I had no idea a "babymoon" was a thing. What will they think to celebrate next? :-) An unsolicited opinion: relaxation can be had for far cheaper. If your wife happens to be too tired/sore to really enjoy it, the costs of travel to Hawaii may be regretted. If it were me and if a baby celebration is...
by Loik098
Tue May 22, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: At what point do I focus more on mid-term rather than long-term?
Replies: 5
Views: 796

Re: At what point do I focus more on mid-term rather than long-term?

No plan for a house in 2-3 years but perhaps 5 years i'd be keen on moving into something. Career isn't so solid as i'm not in love with my job but I have a solid education and resume. Think I will disagree with the poster above and say that until you have more firm goals and plans in your life (su...
by Loik098
Tue May 22, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3143

Re: Three steps forward, two back with saving

1) I'm assuming the dog isn't expendable? (sorry) 2) Surefire method: find a way to increase income. Overtime at work, get an additional job, or additional certification to qualify for a raise. We're very similar to you, and after fighting the same battles you're fighting, we just decided to add mon...
by Loik098
Tue May 22, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1637

Re: Babymoon - Hawaii Recommendations/Expected Costs

I had no idea a "babymoon" was a thing. What will they think to celebrate next? :-) An unsolicited opinion: relaxation can be had for far cheaper. If your wife happens to be too tired/sore to really enjoy it, the costs of travel to Hawaii may be regretted. If it were me and if a baby celebration is ...
by Loik098
Mon May 21, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 1968

Re: Buy now and wait one more year to move in?

We could move now and commute, but it is not ideal (45-55 minutes each way). I am likely to get a job in one year that is 10 minutes from the house we like the most. 1) "Likely" to get a job means that you might not get it. What if the hiring manager who knows you leaves before then? What then? 2) ...
by Loik098
Mon May 21, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9948

Re: done with Gmail

In my opinion, relying solely on a password manager is dangerous: 1) I use a lot of randomly-generated passwords that can't be remembered. I also don't reuse passwords for sensitive sites. If password manager does something like OP's did, I'm toast. 2) If I get hit by a bus tomorrow and wife doesn't...
by Loik098
Sun May 20, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Micromanaging myself to help with completing tasks
Replies: 15
Views: 1362

Re: Micromanaging myself to help with completing tasks

I believe many Americans waste a lot of time at night. They watch shows on TV that don't particularly interest them, mindlessly surf the internet, or fritter away their time after work in some other way because they feel a need for "me time" or are just in the habit of going to bed at 10pm for no pa...
by Loik098
Sun May 20, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 1762

Re: Door Dash: Has anyone used?

We use it. Good service, and I enjoy the fact that we just have food handed to us at the door without any need to pay or sign for something. I will say there have been a few times when a favorite menu item made by a particular restaurant will disappear from Door Dash's online menu, even though we've...
by Loik098
Thu May 17, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2595

Re: Any experience with Blue Apron?

I posted a reply a couple of months ago to a similar question. At the time, we thought using Blue Apron, Plated, and Hello Fresh was fun and a good idea for us. We would alternate which company we got deliveries from based on their menus, and pause the other two companies for that week. BA had the w...
by Loik098
Tue May 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1517

Re: Interesting/Playful ideas for 1 year baby

At one year old, they just did whatever I did. Mostly it involved watching me and playing with whatever was handy. +1 While spending quality time with your children is important, take care that you do not devote hours and hours to "entertaining" your children at an early age, for you might find tha...
by Loik098
Tue May 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6020

Re: Neighbor wants to use our land temporarily - let them or not?

Re: liability concerns. A liability claim could occur regardless of your answer. It would be hard for neighbor to prove that you either gave verbal permission for them to use your land, or denied it, if said neighbor were to file a claim. Or, the answer you gave might not even matter (who knows, I'm...
by Loik098
Tue May 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 17
Views: 1398

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

Not what you're asking for, but I believe your question is answered better by figuring out what you're doing to train your mind, and not by finding an app or blocker to prevent you from acting inappropriately or impulsively: 1) Severely limit the sharing of personal details online. If you feel the n...
by Loik098
Thu May 10, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7680

Re: Amazon Alternative

Shop local! Your hometown merchants value you and want your business. There are three factors in sales: low price, service, and quality. Pick any two -- you cannot have all three. “The bitterness of poor quality is remembered long after the sweetness of low price has faded from memory" -- Aldo Gucc...
by Loik098
Thu May 10, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1356

Re: Home Fire/Burglar Safe

I'm curious if this is a trend with brick and mortar banks - anybody know of any banks that ARE currently offering safe deposit boxes to new customers? I realize people disagree on the safe vs box issue, but I would strongly prefer a box if they aren't going the way of the dinosaur. In my city, we ...
by Loik098
Thu May 10, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1835

Re: Reccommended Minivans

I'd buy the 2018 Odyssey EX-L in a heartbeat, if we didn't already own the 2016 model. :D It'll run you over $30k, but a couple extra $k won't make a difference in 15 years. :beer +1. OP, take a hard look at what you'll do with those carseats when choosing a minivan. We went with the Odyssey, and c...
by Loik098
Tue May 08, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2924

Re: How to remove garden hose nozzle that is stuck on a hose

Cut the hose just below the threads, and attach a male/female hose mender on the end of it. Good as new.
by Loik098
Sun May 06, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7977

Re: What career for smartest kid in the class?

Self-employed. It's one thing to love your work, but it's rare to find a job (or series of jobs, since no one stays put for very long anymore) where you love working for your employer or boss. Having to work for/with others you don't care for can fade one's love for the work itself. And then, what's...
by Loik098
Tue May 01, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10796

Re: Amazon to raise Prime membership in US to $119 from $99

For anyone interested there is a way to lock in the $99/y price. In fact you can do it for multiple years using the Gift of Prime. Explained here: https://www.doctorofcredit.com/lock-yourself-into-amazon-prime-at-99-year-before-price-increase/ This trick has been mentioned on this thread twice now,...
by Loik098
Tue May 01, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 2523

Re: When/how did you start teaching your child about personal finance?

That's probably because checks are just an outdated tech. I've never balanced a checkbook myself in the past 15 years since everything is available online. Very true. I will certainly write the occasional check, but I honestly don't know what "balance a check book" even means, or how one might go a...
by Loik098
Tue May 01, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3299

Re: Career change and going back to school at 40+

[Post removed by admin LadyGeek] No it is actually quite right. I bet you’ve never had a friend go back to school, end up with a lot of debt and then not be able to get a job in the new field. It is horrible to watch. OP does need to know the jobs available, beginning salaries in different location...
by Loik098
Tue May 01, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3299

Re: Career change and going back to school at 40+

There are some good jobs in horticulture and the pay for those are similar to what I get paid now, but I will be over 50 with no experience in the field at that point. But the idea of working with plants, in a greenhouse, even in a garden center is just so appealing. But I can't finish the degree w...
by Loik098
Mon Apr 23, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1959

Re: Newborn- essential financial steps

Thanks for your replies. A separate fund for unexpected expenses is a good idea. Not just unexpected expenses. You should EXPECT to pay for things like braces, ER visits for broken arms, expensive school activities, etc. Unless your cash flow isn't an issue, better to have a fund for these things s...
by Loik098
Sat Apr 21, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1188

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something els...
by Loik098
Sat Apr 21, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2652

Re: How long have you been employed?

A subquestion, are there any more classic paperboys, e.g. kids on bikes with big baskets that deliver papers in the afternoon to your doorstep? The only ones I know of are cars/vans that throw out papers from their window in the early morning. I would guess very few, if any: 1) There are far fewer ...
by Loik098
Sat Apr 21, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1188

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something else...
by Loik098
Tue Apr 17, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Lessons learned with Booking.com and VRBO
Replies: 13
Views: 3088

Re: Lessons learned with Booking.com and VRBO

dustinst22 wrote:
Sun Apr 15, 2018 10:16 pm
Credit card company wasn't willing to get you the full amount back? Surprising.
Agreed. Assuming OP used an appropriate CC, would trip protection not cover this sort of thing?
by Loik098
Tue Apr 17, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 681

Re: Child expenses - what to expect as your kids go from daycare to school

You have to balance their school workload and the overall family time. Ie we are not going to running around to 20 different activities each week. From middle school onward my kids were expected to do 6-8+ hours of home work every night. :shock: With that much homework, how is there any time left f...
by Loik098
Tue Apr 17, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 681

Re: Child expenses - what to expect as your kids go from daycare to school

You have to balance their school workload and the overall family time. Ie we are not going to running around to 20 different activities each week. From middle school onward my kids were expected to do 6-8+ hours of home work every night. :shock: With that much homework, how is there any time left f...
by Loik098
Mon Apr 16, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Blood pressure monitor - 2 users w/ different size arms
Replies: 12
Views: 517

Re: Blood pressure monitor - 2 users w/ different size arms

1) Be aware that it is possible for your blood pressure numbers to be different at the MD office as compared to at home (look up, "white coat syndrome"). Doesn't necessarily mean your monitor is bad. You can test whether this is happening by taking your monitor with you the next time you visit your ...
by Loik098
Fri Apr 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: What you wish Netflix et al. would serialize
Replies: 2
Views: 239

Re: What you wish Netflix et al. would serialize

The Old Man's War series by John Scalzi. There are rumors that Netflix is already working on not a series, but a movie.
by Loik098
Fri Apr 13, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41295

Re: Name something you had to have and now you regret purchasing it?

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by Loik098
Thu Apr 12, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1614

Re: Best Buy, $3k TV, should I buy warranty?

Best Buy told me to buy the Geek Squad warranty on my Panasonic plasma . Plasma bulbs go out, they said. The cost to repair is almost as much as the tv, they said. 11 years later the TV is still in my living room and if I needed to buy a replacement 42" TV it would cost $229 for a brand new 42" tv ...
by Loik098
Thu Apr 12, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41295

Re: Name something you had to have and now you regret purchasing it?

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by Loik098
Thu Apr 12, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2499

Re: Farewell gift for office when quitting job?

We have photographs of the entire staff in the lobby of our building. There were several photos taken over the years, so one could see who worked there and when. When I go visit, I can still see myself standing among my friends and colleagues. An excellent idea! OP, please don't do trinkets, or som...
by Loik098
Thu Apr 12, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2180

Re: Cedar Fence: is Maintenance required?

I think if you're asking, then you might as well give yourself peace of mind and throw on some sealer. Why risk being someone who will stare at rotting wood 10 years from now if you can do the job easily and cheaply now? I recommend spraying on some Ready Seal every other year with a garden sprayer....
by Loik098
Sat Apr 07, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Need new bedroom furniture
Replies: 23
Views: 1285

Re: Need new bedroom furniture

What are Bogleheads doing these days? OP, you're going to get all ranges of responses here, from Walmart furniture to Restoration Hardware. "Bogleheads" doesn't always translate into "cheap DIY"; many here pride themselves on owning high-quality/expensive stuff. You will need to specify a budget an...
by Loik098
Fri Apr 06, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: What Did I Just Do? (Possible Scam)
Replies: 13
Views: 3130

Re: What Did I Just Do? (Possible Scam)

My question is, if this is not Merrill Lynch, what could a criminal do with my phone number? Most likely not much other than harass you. More extreme: if your account isn't secure via a PIN or other mechanism, it's possible that one could try to take over your account by figuring out your carrier, ...
by Loik098
Fri Apr 06, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3744

Re: How often do you replace your office shoes?

Approximately every 3 years.

As I'm on my feet all day long, I find the slip-on Merrell jungle mocs to be my go-to shoe. Several other medical professionals I know also swear by them.
by Loik098
Thu Apr 05, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1006389

Re: What Movie Have You Recently Watched?

"Shattered Glass", with Hayden Christensen. Tomatometer 91% critics, 79% audience. In a 2003 film based on a true story, Christensen plays a popular young reporter for The New Republic magazine, and is eventually discovered to have fabricated the majority of his articles. I'm not a big fan of Christ...
by Loik098
Thu Apr 05, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3756

Re: Any hardworkers here who half-a** at work?

The reality at most big companies is that a lot of the work output is mediocre, and a lot of promotions are based more on relationships. Personally, I find that unpalatable, but I'm come to believe that I have to play some of their game to put myself in a position to influence the organization towa...
by Loik098
Thu Apr 05, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Would you change approach if no kids, no family?
Replies: 15
Views: 1986

Re: Would you change approach if no kids, no family?

It appears from your post that you like working. I think you should stop only if you find something else you like doing more. Have you? Finances are only a small part of retirement planning. The bigger part is figuring out what to do with your time. Experiment now to see if you can discover hobbies/...
by Loik098
Thu Apr 05, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Dealer issues Stop Sale and sues Toyota over Prius safety defect
Replies: 9
Views: 1485

Re: Dealer issues Stop Sale and sues Toyota over Prius safety defect

Is this actionable in any way? It's a news story lacking any verified facts . Do you work for Toyota? :D Verifiable Facts: 1) Dealer isn't selling Priuses. Could verify by calling the dealer if you wanted to, I suppose. But he's quoted in the article.... 2) Toyota issued a voluntary recall in 2014 ...