Search found 570 matches

by Loik098
Sun Jun 17, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 72
Views: 2632

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: 15
Views: 1275

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: 1310

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: 1310

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: 1311

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: 3471

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: 3471

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: 4629

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: 2352

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: 11
Views: 960

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: 3347

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: 503

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: 59
Views: 5576

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: 4629

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: 166

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: 740

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: 3457

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: 2519

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: 3333

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: 2519

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: 2519

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: 9907

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.
by Loik098
Fri Jun 08, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3414

Re: How much to spend on daycare?

Costs are going to be significant any way you look at it. One thing to consider, in any daycare environment, the kids are going to get sick... a lot, off and on year round. I would suggest that you go with the in-home nanny at least until age 2 to avoid some of this. It will also be more convenient...
by Loik098
Fri Jun 08, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3414

Re: How much to spend on daycare?

1) You can't ever know if someone you hire "loves" your child. You can only observe interaction, do surprise visits, talk to other parents, watch turnover, etc. Even then, trusted childcare workers surprise parents every day by making the news for abusing/neglecting their kids. Trust, but verify, an...
by Loik098
Wed Jun 06, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 35
Views: 3480

Re: How to know if power is cut to smoke detector

I change all the batteries in October during Fire Prevention week/month and date mark each battery to ensure the battery has only been used a year. Yea it might be excessive but loved ones are worth more than $10. +1. It's on my calendar along with regularly-scheduled air filter and water filter ch...
by Loik098
Wed Jun 06, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 13
Views: 1533

Re: Sacramento Home Owners - House Areas/Questions

We live in Folsom in an older area on the border with Granite Bay. Our biggest concern for the area is new development south of 50 in folsom and what it will do to traffic. Freeways are already bad enough and could see this turning a commute into folsom or edh on 50 into an absolute nightmare into ...
by Loik098
Tue Jun 05, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 42
Views: 4491

Re: Recommended Parenting Books

delete
by Loik098
Sun Jun 03, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1822

Re: Tool board for basement - plywood or pegboard?

If you want pegboard, but want to make it look a little more slick, take a look at steel pegboard . Sturdier than regular pegboard, easy to install directly on the studs; no need for wood or anchors (as long as your studs line up), because this pegboard already has the built-in gap you'd need. I've ...
by Loik098
Sat Jun 02, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 3898

Re: Friends with an EJ Advisor

You don't recently become good friends. Real friendships takes time to adjust to each other and make memories to share. He is a recent acquaintance that is using your trust to make a possible business deal. This, +1000. I've had several acquaintances over the past few years who I thought were frien...
by Loik098
Fri Jun 01, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: AADvantage Aviator RedWorld Elite MC
Replies: 8
Views: 555

Re: AADvantage Aviator RedWorld Elite MC

You're not missing much. I'm assuming you don't churn credit cards?

There was a better offer of 60k miles late last year, but not sure if/when we'd see that amount again.

If you have no trouble finding award saver space with AA, go for it.
by Loik098
Thu May 31, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12220

Re: Have $3m at 33, "approach to career" advice needed

2) Kids learn primarily by example, not by words. It's hard for young minds to grasp the concepts of working hard, responsibility, time management when you aren't practicing them yourself and are instead blabbing on about them in your pajamas while they are getting ready for school. I imagine my ki...
by Loik098
Thu May 31, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Affresh or Clorox?
Replies: 10
Views: 1011

Re: Affresh or Clorox?

I use Clorox too for my stinky LG front loader. Do you empty the reservoir in the front lower left? I do that once per month and use bleach in a load of exercise clothes/whites and it seems to keep the smell down. Just my experience... +1, although our reservoir tray usually isn't too bad. We do lo...
by Loik098
Thu May 31, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Changing Address in Social Security
Replies: 15
Views: 1299

Re: Changing Address in Social Security

When you go to create an account it gives you all kind of warnings about penalties (possibly prison) if you create an account for another person, even if you do it with their permission. So that's out of the question. How would anyone possibly know which one of you is doing the keystrokes on your c...
by Loik098
Thu May 31, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12220

Re: Have $3m at 33, "approach to career" advice needed

2) Kids learn primarily by example, not by words. It's hard for young minds to grasp the concepts of working hard, responsibility, time management when you aren't practicing them yourself and are instead blabbing on about them in your pajamas while they are getting ready for school. I imagine my ki...
by Loik098
Thu May 31, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12220

Re: Have $3m at 33, "approach to career" advice needed

I feel like it would be really hard to teach them a lot of things while living a semi life of leisure. Disagree 100%. I think it would be really hard to teach my kid a lot of things if I'm away from him all the time because of a job. Much easier to teach when in close proximity!! 1) Unless one plan...
by Loik098
Wed May 30, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4868

Re: Fitting three young kids in the car...

My initial thought is "Honda Odyssey". It seems like we could put the oldest in the back and then have easy access to both little ones in the middle? We did the opposite with our Odyssey. We took out one captain's chair from the back, put the oldest in the other captain's chair, and our two younges...
by Loik098
Wed May 30, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12220

Re: Have $3m at 33, "approach to career" advice needed

Congratulations! If I were you, I would think long and hard about how your decision will affect your child(ren). I would make damned sure my children didn't see me as lazy, without passion, or without direction despite my early success, for fear that they would emulate my example. Remember, they wil...
by Loik098
Wed May 30, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4543

Re: My mind exploded

I happened to glance at her account She left a bank statement laying on the counter and you just happened to pick it up, or you sat down and logged into her bank account with the express purpose of monitoring her activity? There's a big difference. One action seeks additional control. No need to sn...
by Loik098
Wed May 30, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Roadside assistance coverage?
Replies: 12
Views: 624

Re: Roadside assistance coverage?

A possible alternative: holding a credit card which offers free roadside assistance. AMEX and Chase both offer one.
by Loik098
Mon May 28, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 55
Views: 4809

Re: Splurging on the NBA finals

Many, including me, on this board who have six or seven figure net worth with limited or no debt certainly can afford the ticket price but hold ourselves back in boglehead fashion. I would argue that "Boglehead fashion" would dictate that as long as you have limited or no debt and a high net worth,...
by Loik098
Sun May 27, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 2965

Re: Cheapest ways to watch NBA playoffs

I listen to it on the radio via my laptop. Doing so brings back fond memories of listening to sports programming on the radio with my Dad when I was a kid. Also allows me to be productive at the same time (TV does not). You could do this, or you could go to a restaurant/bar with TVs and order a cok...
by Loik098
Sun May 27, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 30
Views: 3762

Re: Peloton spin bike worth the high cost?

OP: what other equipment have you used previously? FWIW, no one can answer the "worth" question but you. Because it's BH, most responders will probably say no, but clearly there are enough people out there who think the cost is worth it, or the company wouldn't make them. The cost will only be "wort...
by Loik098
Sun May 27, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 2965

Re: Cheapest ways to watch NBA playoffs

I listen to it on the radio via my laptop. Doing so brings back fond memories of listening to sports programming on the radio with my Dad when I was a kid. Also allows me to be productive at the same time (TV does not). You could do this, or you could go to a restaurant/bar with TVs and order a coke...
by Loik098
Fri May 25, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 67
Views: 4988

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: 67
Views: 4988

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: 67
Views: 4988

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: 771

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: 9
Views: 723

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: 25
Views: 2844

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: 13053

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?