Search found 223 matches

by multiham
Sun May 19, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 25
Views: 1299

Re: Good quality sneakers for someone with foot issues?

Our local running shoe store has knowledgeable salespeople who discuss any foot issues, and put you on a treadmill to observe your gait. Then they select appropriate shoes that you try on treadmill while they again observe. Made a big difference for me -found very comfortable shoes. I'm not a runne...
by multiham
Sun May 19, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 25
Views: 1299

Re: Good quality sneakers for someone with foot issues?

Our local running shoe store has knowledgeable salespeople who discuss any foot issues, and put you on a treadmill to observe your gait. Then they select appropriate shoes that you try on treadmill while they again observe. Made a big difference for me -found very comfortable shoes. I'm not a runne...
by multiham
Sun May 05, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

Try not to take the tour over the summer or when classes are not being held. Hard to get a good idea of how crowded the campus is if everyone other than the administration and tour guides are on break. After you have taken the official tour, find a place where the students hang out and just watch wh...
by multiham
Fri Apr 19, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3418

Re: College admission inputs - Purdue vs local SJSU vs others

Do you have the $ for your son to go to Purdue? If yes, and that is his first choice, I say let him go there. Sounds like both schools are excellent academically with strong networks and great opportunities upon graduation. My thinking is that I (the parent) are not the one going to classes, studyi...
by multiham
Fri Apr 19, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3418

Re: College admission inputs - Purdue vs local SJSU vs others

Do you have the $ for your son to go to Purdue? If yes, and that is his first choice, I say let him go there. Sounds like both schools are excellent academically with strong networks and great opportunities upon graduation. My thinking is that I (the parent) are not the one going to classes, studyin...
by multiham
Tue Apr 09, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18764

Re: Wife hates new job...wants to quit after 1 day

29 years with same megacorp. Totally embarrassing for any company to be treat an employee like that on day 1 (or any other date) As a manager, I have a mandatory checklist of items I must complete on day 1 with the employee. Even without this requirement, I would never treat a new employee like that...
by multiham
Sat Apr 06, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7480

Re: Huge AIrBNB Cancellation Charge

Two thoughts from me. First, I have always stayed at hotels for business and vacation. I was just starting to look at AirBNB for our family vacation this summer since so many people talk about it. I can tell you that after this story, I have removed them from my consideration set. I'm sure that they...
by multiham
Sat Mar 23, 2019 10:30 am
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 5764

Re: Vanguard - dissappointed

Or go to another brokerage and they will ENSURE they make a seamless transaction since it will increase the profits of its shareholders ensuring they slowly gather fees and surcharges from you. A continuous sales pitch (sometimes very subtle) will push for additional services they can perform or ne...
by multiham
Sat Mar 23, 2019 10:17 am
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 5764

Re: Vanguard - dissappointed

OP - I'm with you on this one. That is way too long and too much work to process a transaction that Vanguard must do 1,000's of times per week. I have accounts at Schwab, Fidelity, and Vanguard. I like the financial results that I receive at Vanguard so I do leave a portion of my portfolio there. I ...
by multiham
Sat Mar 23, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

How about a used VW Golf R. You can get a manual transmission (although the auto is faster). Standard all wheel drive. 4 doors and plenty of room for 2 adults/kids in back seat (3 if they are small). Hatchback so you have some area for storage. Not sure where you live, but I have a 2016 R and put sn...
by multiham
Sat Mar 09, 2019 10:20 pm
Forum: Personal Investments
Topic: I think I can retire. Help me with the confidence and a plan.
Replies: 29
Views: 4925

Re: I think I can retire. Help me with the confidence and a plan.

I think you are good to retire given your current assets and your health concerns. If you find that you need a little more $, just get a part time job with no stress. Waiting until you get $5 million isn't a good idea when your health is being impacted as much as you describe. It's simply not worth ...
by multiham
Sun Mar 03, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: College Savings - Are we going about this the wrong way?
Replies: 88
Views: 5616

Re: College Savings - Are we going about this the wrong way?

What we did (my son is now in 12th grade) was to get the cost of an in-state Public University and use that to figure out what we wanted to save. For us, we used Penn State as our bench mark. When our son was born, we calculated the rate of cost increases along with a conservative return on our savi...
by multiham
Sun Feb 10, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tip Income
Replies: 1
Views: 355

Tip Income

Our son (under age 18) took a job this year as a busser (he cleans the tables and brings out drinks) at a local restaurant. He makes minimum wage. The wait staff will also provide him with a small amount of tips each day. I have never worked in a tip receiving position before and just assumed that w...
by multiham
Sat Jan 12, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7639

Re: Engagement Ring (Affordable)

I would shop around at local jewelers, visit the large cities if you are close, and talk to others about where they got their rings. Only you and your fiancee know what you want. I think one of the best parts of our engagement was the surprise of the proposal. It was not a surprise that I would ask ...
by multiham
Mon Jan 07, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2838

Re: Balsam Hill - Defective Christmas Tree

Unfortunately, freight shipments are difficult. A lot of their freight business is delivered to businesses that have loading docks and are used to dealing with pallets, etc. I have received many shipments via freight so I always call up the freight company (they usually call you to schedule anyway) ...
by multiham
Sun Jan 06, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Best way to move on from pricy car?
Replies: 35
Views: 2354

Re: Best way to move on from pricy car?

I really like your plan of action. Get this fixed, and then drive it until the warranty expires. If it has been relatively trouble free and you still love it, keep it. If not, trade it in or sell it yourself. Based on your posts, the cost of the car is not an issue so enjoy the car! There was someth...
by multiham
Sun Dec 30, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4724

Re: Corvette vs Cayman/Boxster......anyone owned both?

Have only driven the Porsche's. Loved both of them although I liked the handling of the Cayman slightly more. I do know that the Corvette is included in the current Chevy employee discount program. Not sure what models or what the savings are, but might be worth finding out. There are many people on...
by multiham
Fri Dec 28, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 9196

Re: How to afford a sports car?

https://www.bogleheads.org/forum/viewtopic.php?t=214509 One of the easiest ways to save money is buying an inexpensive car. I'll explain: The savings from buying a less expensive car are enormous. For example, Edmonds give the estimated five-year True Cost to Own of automobiles sold in the United S...
by multiham
Fri Dec 28, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2518

Re: Why do people buy- performance cars?

I would say if you have to ask, you probably don't want a performance car. I have what I would consider to be a "low level" performance car. It is a VW Golf R. 292HP or so in a very light, 4 door, all wheel drive car. I enjoy the drive from the moment I turn it on and hear the rumble of the engine, ...
by multiham
Fri Dec 28, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5698

Re: FAFSA - is it worth filling out?

I took me about 1.5 hours to complete for the first time this year. Did the link to the IRS so that a good chunk of the financial information would be provided by IRS. Knew that we would not qualify for Financial Aid, but one of the college's my son applied to required it for a merit based scholarsh...
by multiham
Fri Dec 28, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1714

Re: Economy car vs Luxury - confirmation of a good decision

Sorry for the rambling of my comments here, but after all these justification posts, I wanted to provide my thoughts. There is no such thing as free maintenance - The cost of BMW or Toyota or anyone else providing you complementary maintenance is buried in the cost of your car. This holds true with ...
by multiham
Wed Dec 26, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9597

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I drove a 1996 Corolla into the ground. I bought it from my daughter in 2008 for $3K. It was overpriced but it was my daughter so I didn’t care. Eventually the gas tank sprung a leak but it was at the top so if I didn’t fill the tank all the way it wouldn’t slosh out. Then the volume knob fell off ...
by multiham
Thu Dec 20, 2018 10:53 am
Forum: Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1420

Re: Tax Loss Harvesting Question - Simple

Are your accounts set to automatically reinvest dividends? Do you own additional shares of VXUS? If so, you would want to change to not automatically reinvest in order to TLH. Good luck Thank you! They were set for auto reinvest and I stopped that. Yes, that is all the shares of VXUS I have. Apprec...
by multiham
Sun Dec 16, 2018 4:05 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1420

Tax Loss Harvesting Question - Simple

I have about 48 shares of Vanguard Total International Stock Index Fund (VXUS) in a Taxable account. Right now, all the lots of this ETF has lost $. I have $75 of Short Term losses and $175 of Long Term Losses. According to Vanguards site, the estimated declaration date for this fund is 12/20, with ...
by multiham
Thu Dec 13, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5604

Re: Volkswagen Reliability

2016 VW R - 26,000 miles nothing but regular maintenance. Most fun car I have ever owned (including BMW Z4) 2008 Toyota Highlander - Had to donate to charity at 125,000 miles as they car just died and was going to cost over $7,000 to "Possibly fix". This car was seen by multiple Toyota dealers and 1...
by multiham
Wed Dec 12, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9722

Re: New job, sales at Subaru

Few pieces of advice: Listen, truly listen to what the customer needs. I'm in sales (not car sales) and I listen way more than I speak. Please do not assume that if a couple comes in to buy a car, that you should immediately gravitate to talking to the man. This has happened to my wife and I multipl...
by multiham
Sat Dec 08, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2638

Re: New QUIET Tires for Accord

Question for the op. Why did you buy the sport version of the Accord? Just asking, because if it was for performance, you are really going to give up some grip and feel with touring tires. I have a VW Golf R which has 4 wheel drive and a lot of horsepower. I have both summer tires (these would not m...
by multiham
Fri Dec 07, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 2079

Re: Do I have a rebate, subsidy, savings for you!

Grocery Store: Not sure what changed. If you know your prices and your values you will recognize that many of the sales and specials are only to try to get you to buy certain brands, certain foods, certain items WHILE there are a few gems in the sales - a few loss-leaders worth buying. Not sure how...
by multiham
Fri Dec 07, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 2079

Re: Do I have a rebate, subsidy, savings for you!

Grocery Store: Not sure what changed. If you know your prices and your values you will recognize that many of the sales and specials are only to try to get you to buy certain brands, certain foods, certain items WHILE there are a few gems in the sales - a few loss-leaders worth buying. Not sure how...
by multiham
Fri Dec 07, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3735

Re: Root Canal - dentist or endodontist

I would vote for the Endodontist. To me, this is just another revenue stream your dentist is trying to tap into. Just like many dentists are trying to get into braces (especially Invisalign)
by multiham
Fri Dec 07, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 13334

Re: Who else is getting excited?

No, not excited to lose money. I get excited when I make money. Sometimes I think these type of posts greatly underestimate the potential risk out there. The past down turns and very fast recoveries have spoiled current investors. If you look at what happened in the Great Depression and still get e...
by multiham
Sun Nov 25, 2018 6:53 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for your thoughts. Credit Quality = AA- by S&P and Aa3 by Moodys Average credit quality = AA 35% Corporate, 31% Mortgage, 24% Treasury, 27% corporate, 25% securitized including MBS, 41% Treasury, 4% Government Related, 4% Asset Backed, 2% Other 6% other government related No benchmark use...
by multiham
Sun Nov 25, 2018 6:12 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Although you have already said that all funds have an expense ratio less than 0.50% (low enough to be useable), it would help if you added the expense ratio for each fund. Expense ratios are very important in selecting funds to use. If there is a brokerage option in your 401k, find out what fees ar...
by multiham
Sun Nov 25, 2018 3:08 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Do you have accounts in addition to your 401k? It is often better coordinate investments across all accounts, in other words treat all accounts together as a single unified portfolio, rather than view each account separately. Can you post links to the fact sheets for the three fixed income fund cho...
by multiham
Sun Nov 25, 2018 2:57 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for the help! For the bond fund, wasn't worried about default. I had just done some reading on here that in times of uncertain inflation, to keep the bonds duration low. Wasn't sure if an average duration of 3 to 6 years met this recommendation. Just for some extra info. The Intermediate ...
by multiham
Sat Nov 24, 2018 3:58 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for the help! For the bond fund, wasn't worried about default. I had just done some reading on here that in times of uncertain inflation, to keep the bonds duration low. Wasn't sure if an average duration of 3 to 6 years met this recommendation. Just for some extra info. The Intermediate f...
by multiham
Sat Nov 24, 2018 3:46 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

“Fixed Income Fund - Fund invests in contracts with various maturities issued by carefully selected, high quality life insurance companies“ That sounds like a stable value fund, or a collection of them. If you can view historical performance and see consistently small positive (e.g. +2% or +3%) ret...
by multiham
Sat Nov 24, 2018 12:03 pm
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Do you have accounts in addition to your 401k? It is often better coordinate investments across all accounts, in other words treat all accounts together as a single unified portfolio, rather than view each account separately. Can you post links to the fact sheets for the three fixed income fund cho...
by multiham
Sat Nov 24, 2018 11:57 am
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Please post the fund names with expense ratios. Also, post more about your situation (how much you have saved, whether you live in HCOL area, etc.) These are run by a number of Investment Managers and there are no fund names (Literally they are called by names such as Fixed Interest Fund, Diversifi...
by multiham
Sat Nov 24, 2018 11:23 am
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

I have to say I don't know how you should reallocate. "Top sectors, high quality, diversified mix".... are all pretty meaningless and incomplete information here. Most of us would be looking for various index funds with low costs that could be apportioned to somehow to cover the world market. (in c...
by multiham
Sat Nov 24, 2018 10:17 am
Forum: Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1765

401K Choices - 53 and Looking to retire within 2 to 4 years

Current situation Married and 53 2 kids with 529 plans to help cover part of in-state tuition (currently both still in High School) Maxing out my 401K contributions including catch-up (over 50 years old) Work for a mega-corp who uses investment managers such as State Street Advisors and JP Morgan t...
by multiham
Thu Nov 22, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5326

Re: Looking for a car that can handle a long commute, any suggestions?

How good is it in the snow and ice? [/quote] I'll change that question to how good of a driver are you in snow and ice? The 2 big factors for the type of cars you are looking at are proper tires (winter) for the conditions and your ability to drive in the conditions(anticipation, proper braking, kno...
by multiham
Sat Nov 03, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7418

Re: Engineering school

As a hiring manager (not engineering) for a mega-corp, college name DOES matter for your first job. Once you have full time experience (not internships, co-op's), the significance of your school name decreases. Once you have about 5 years of relevant experience, it really doesn't matter unless you a...
by multiham
Sun Oct 21, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8984

Re: Quitting w/o notice

Sorry if I missed it, but I don't believe the OP said what line of work they are in. I work for a mega-corp and would seriously think about giving 2 weeks notice. The reason I say that is because the job market is really connected these days. Take a look at LinkedIn. There is hardly any companies in...
by multiham
Fri Oct 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7589

Re: My life saved by New subaru. Almost died.

OP - Glad everything worked out well for you. Unfortunately, you can only control your actions and not the driving of others. Glad they were able to find the "emergency exit" I'm a big fan of technology that helps with driving. It is nice to know that these systems are there scanning the road ahead ...
by multiham
Fri Sep 21, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3937

Re: Bathroom and Basement Remodel Costs

1. Agree with everyone that said a drywalled ceiling should be avoided. We have one and it has been a pain whenever work has need to be done. I'm confused by this. I don't know anyone who puts a drop ceiling on first or second floor of a house, yet I've lived in several houses with plumbing in betw...
by multiham
Fri Sep 21, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3937

Re: Bathroom and Basement Remodel Costs

Only 2 comments from me 1. Agree with everyone that said a drywalled ceiling should be avoided. We have one and it has been a pain whenever work has need to be done. 2. I'm assuming you want to do these projects more for your enjoyment than return on investment. If this cost gets you what you want a...
by multiham
Fri Sep 14, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5768

Re: [Wearing] Shorts in Egypt

Talked to a friend from work whose family still lives in Egypt. His advice is to wear long pants if you do not desire to stand out. Just as you are seeing in the replies to your post, some people care about things like this while others don't. This is actually one of my biggest pet peeves. I know it...
by multiham
Sun Sep 09, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 9211

Re: Can Sneakers go with Business Casual?

If its not called out in the policy, than I say sneakers are fine. I'm also with the op on this one. Dress codes drive me crazy. However, I always follow them as I'm not the owner of the company I work for. In my opinion, if the owner says the dress code is black tie, I have 2 choices, conform or qu...
by multiham
Sat Sep 01, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 7313

Re: Lexus vs. Mercedes

I think you've received a lot of good advice. I already replied on my thoughts on how to compare costs. I'm going to use words that typically are not used by those that review cars for a living. Lexus - Really reliable. Rides like you are floating on a cloud. Steering is a little soft which means to...