Search found 106 matches

by wstrdg
Thu Aug 08, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Silicon Valley Interview Attire
Replies: 30
Views: 2464

Re: Silicon Valley Interview Attire

Hahaha, yes: Also, since you are looking for an engineering job in Silicon Valley, let me help you out from experience: - shower - wear deodorant - don't wear cologne - don't whip out your personal computer and start setting up unless someone tells you that will be needed - show up early enough that...
by wstrdg
Wed Jul 17, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Deck with Lattice skirt
Replies: 13
Views: 1067

Re: Deck with Lattice skirt

If your neighborhood has skunks and/or raccoons, you might want to skip the lattice. If they crawl inside and die, they will be difficult to remove. Speaking from experience, a dead skunk under the deck is no fun at all. :(
by wstrdg
Sat Jul 06, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1485

Re: Sofa or couch ( an6 difference) for new homeowners

We got our kids a sofa from Burrow as a housewarming gift https://burrow.com/ . They picked out the color, arms, legs. Our only gripe is that it arrived too quickly -- they were out of town and we had requested delayed shipping. It's decent quality and won't break the bank. Burrow has fairly frequen...
by wstrdg
Sat Jul 06, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Rent and drive a car in northern Europe.
Replies: 16
Views: 956

Re: Rent and drive a car in northern Europe.

Be prepared to drive a stick. Automatic transmission rental cars are not always readily available.
by wstrdg
Sat Jun 08, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9653

Re: Do you carry Umbrella Insurance?

“People can avoid personal liability claims if they don’t buy or own property, if they don’t have kids, if they or their kids don’t drive cars, if they don’t operate watercraft, or they don’t do anything that we interpret as living a normal life. If they do any of those things, they need umbrella i...
by wstrdg
Wed Jun 05, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3296

Re: Refrigerator Advice

We bought a Samsung french door, bottom drawer freezer about 5 years ago. Next time, we will go with LG bc salespeople told us that they receive far more calls about Samsung repair than LG repair. The Samsung is very quiet. But the ice cube maker has frozen up twice. If we had a choice, we would not...
by wstrdg
Mon May 20, 2019 4:33 pm
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3340

Re: Convince me that a 529 plan is a good idea.

With three kids, it's a good bet that at least one of your children will have expenses for education post-high school. The 529 can be used for almost any technical/vocational school and graduate/professional school, not just college. You can also use 529 funds for K-12 school tuition (limited to 10K...
by wstrdg
Tue Mar 19, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 5148

Re: College for average kids

Research your community college system. In my state, the cc system is a gem. Your "average" kid may need a few years to mature and find his academic inspiration, and community college is a great path to that end. One word of caution: if transferring to a four-year state school is the goal, be aware ...
by wstrdg
Mon Mar 11, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3315

Re: Are academic enrichment courses for school age kids worth it

That sounds like a heavy schedule for kids so young. And they don't enjoy it. Why not invest that money in creative learning toys that they enjoy (Lego, KNEX, Snap Circuits, for example) or creative computer programs (coding, cartooning, video production) or sports equipment (bikes, trampoline, bask...
by wstrdg
Tue Feb 05, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Need great hand held vacuum for stairs
Replies: 20
Views: 1193

Re: Need great hand held vacuum for stairs

Dyson V8. It's significantly less expensive than the V10. The V10 has better battery life, but if you're just doing stairs and spot cleaning, the V8 battery will be quite adequate. Here's a hint for cleaning carpeted stairs: loosen the dirt in the corners with a clean, stiff bristle brush before you...
by wstrdg
Wed Jan 16, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 31
Views: 3659

Re: Wild Planet Sardines quality problem

Another vote for Tiny Tots. Target carries them, and they are less expensive online than in the brick stores. Yummy!
https://www.kingoscar.com/product/tiny- ... olive-oil/
by wstrdg
Wed Jan 02, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1571

Re: Black licorice fans - suggestions?

Definitely try Scandinavian salt licorice. It's nothing like the taste of American candy. See this article on how Iceland got hooked on licorice: https://www.atlasobscura.com/articles/iceland-licorice

You'll love it! :D
by wstrdg
Sat Dec 15, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 6115

Re: Law school without practicing law

For all the reasons previously given (time, cost, lack of utility), don't get a JD. But you might check out a Masters of Studies in Law (MSL). This is a one-year program designed for professionals in other fields (business, medicine, engineering) who would benefit from legal studies. Less cost, less...
by wstrdg
Thu Dec 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1620

Re: Dishwasher stopped working well

If you use liquid dishwasher detergent, or those gel packs, switch to powder. The liquids tend to leave residue on your dishes. And powder is less expensive per use, too. Win-win :happy
by wstrdg
Fri Nov 16, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency
Replies: 24
Views: 1142

Re: Foreign Currency

Citibank offers foreign currency for an inexpensive, flat fee. It's called World Wallet. They deliver to you or you can pick it up in a local branch. You do need to have a Citibank account. We used this when our students were studying abroad. You can get a nice selection of small amounts of various ...
by wstrdg
Tue Oct 30, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2955

Re: Washing machine/dryer shopping

How about an electric portable washer? It hooks up to your bathroom sink faucet and drains into your bathtub. Get a dolly to wheel it around, if you don't have the space to keep it in your bathroom. Our adult kid has a Haier. It works great, holds quite a bit of laundry, definitely large enough if y...
by wstrdg
Sun Oct 14, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 11548

Re: Should we move to San Diego from east coast?

Yes. Everyone gripes about cost of housing, but San Diego is a good value compared to the San Francisco Bay Area or the Los Angeles basin. And what folks from snow country don't realize is that Californians don't need to hibernate in their caves during the winter. They tend to be outdoors whenever p...
by wstrdg
Thu Oct 11, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2805

Re: What would you do with some bulk silver?

Prices vary wildly among silver dealers, so phone ahead for a current quote and compare. Pawnshops and coin collectors tend to pay less than bullion dealers. Grandma left her sterling silverware set to our daughter. Grandpa left her several generic silver coins (one-ounce pieces). We took the whole ...
by wstrdg
Thu Sep 13, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need insurance for a brief occupancy after selling my home
Replies: 3
Views: 278

Re: Do I need insurance for a brief occupancy after selling my home

yes :happy

Renters will cover property loss and potential liability. Think of all of the traffic in your home during this stressful time (movers, etc). Renters is very inexpensive.
by wstrdg
Fri Aug 24, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Selling old car - expired registration
Replies: 31
Views: 1917

Re: Selling old car - expired registration

OP wrote: changed brand new battery early this year After you changed the battery, you should have driven the car for at least 20 minutes, going through all the gears to generate enough data to pass the emissions test. Did you do this? BTW, California DMV will give you a no-fee one-day vehicle movin...
by wstrdg
Thu Aug 09, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: WSJ: When to Pick Mutual Fund over ETF?
Replies: 21
Views: 2926

WSJ: When to Pick Mutual Fund over ETF?

https://www.wsj.com/articles/when-to-pick-a-mutual-fund-over-its-etf-version-1533521340 All else being equal, there are two primary factors that can differentiate mutual funds and ETFs tracking the same index—the tax efficiency of ETFs over the long run, and the implied cost of a bid-ask spread tha...
by wstrdg
Wed Jul 25, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4556

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

If you are in the SF Bay Area, take a look at http://customsofas4less.com/ Yes, the website is cheesy, but the furniture is made in the Central Valley (Calif) and is rock-solid. Custom orders at a big box price. You choose not only your fabric but your sofa length, depth, arm style, cushion style, l...
by wstrdg
Wed Jul 25, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 9095

Re: I want to sell my home, but I don't want to fix it up

Agree with ask a good local Realtor. It depends on how hot your local housing market is. Fix what needs to make the property move and sell "as is." Redfin offers "concierge service" in some US markets for a slightly higher listing fee (varies, but maybe 2% versus 1.5%) -- with concierge service, the...
by wstrdg
Sun Jul 15, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5727

Re: Bears!!!

maybe one of those motion-activated sprinklers, to scare the bear away? of course, your garbage collectors aren't going to be very happy if they get soaked
by wstrdg
Thu Jul 12, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 63
Views: 7351

Re: Is expensive olive oil worth it?

We stick to California olive oils because we can trust that they are unadulterated and honestly labeled, and because they're local. Good oil is first-press, virgin. Cheaper oils can be heat-extracted and you don't want that, nor do you want chemical extraction methods. Costco carries a very good Cal...
by wstrdg
Thu Jul 05, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7370

Re: Older Women Lifting Weights

Do find someone who knows what they're doing to train you for a few months. This can be a relative, friend, gym, etc. You want good form to build strength, not huge weight lifts to show off "Full range of motion" is important. Don't cheat. This is part of good form. Good form means you won't hurt yo...
by wstrdg
Mon Jun 25, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention
Replies: 21
Views: 1601

Re: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention

Personally, I would test any prospective home for radon gas. You can do this yourself with an inexpensive kit. If the house is built on radon-emitting soil/rock, mitigation can only do so much.
by wstrdg
Fri Jun 22, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 16303

Re: How much (green) cash at home for emergency ?

Gerry L wrote: My mom was succumbing to Alzheimer's when we moved her into assisted living. As I cleared out her little apartment, I kept uncovering stashes of cash.
My dad stashed his mad money in books. We were careful to shake out the 20's and 10's. So, yeah.
by wstrdg
Wed Jun 13, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1443

Re: Some questions about purchasing earthquake insurance in CA

Palomar Specialty is another company that offers California EQ insurance NOT via the CEA.
by wstrdg
Wed Jun 13, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Install different carpet styles/colors in same floor bedrooms?
Replies: 19
Views: 1286

Re: Install different carpet styles/colors in same floor bedrooms?

We bought a home with different carpet styles in each of the four upstairs bedrooms. One was patterned, one was sculpted, one was shag, one was plush pile. The prior owner was a carpet installer -- we presumed he was being frugal with his leftovers. :happy It may have been frugal, but it wasn't well...
by wstrdg
Sun Jun 10, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2678

Re: Renter's Insurance for College Dorm

Both of my sons had policies through collegestudentinsurance.com (CSI - now Gallagher). NSSI is another company that offers student property insurance. These aren't normal renter's insurance policies but rather specialized policies for students. The advantage over homeowners insurance is the low de...
by wstrdg
Tue Jun 05, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Prepping for College Fall 2019
Replies: 32
Views: 2166

Re: Prepping for College Fall 2019

You need to keep your own records to substantiate "qualified withdrawals" from the 529. We asked our kids to use a dedicated credit card for required textbooks, etc. Keep your tuition and dormitory invoices. If your student lives off-campus, you can find the budget for room and board on the college'...
by wstrdg
Tue Jun 05, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1206

Re: First time Segway tour question

We did our first Segway tour this past year -- husband, wife & adult child. It's not super-easy to learn how so be prepared for a learning curve. The hardest part is stopping and getting off. We got the hang of it after about 15 minutes, so factor that into your tour time. We Segway'd (is that a wor...
by wstrdg
Tue Apr 24, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 11288

Re: Anyone used Zelle?

I deactivated Zelle today after reading the NYT article https://www.nytimes.com/2018/04/22/business/zelle-banks-fraud.html I've had several problems with Zelle. Yes, if your phone number is linked to more than one bank account, your receipts may not end up where you expected. And I have tried severa...
by wstrdg
Thu Apr 12, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 7310

Re: Help me choose a top law school!

+1
Everyone I have met who went to UChicago Law absolutely hated the experience. But they are all making bank now, so take that for what it's worth.
by wstrdg
Thu Mar 01, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 3670

Re: House vs Condo vs Townhouse

HOA Board drama: sometimes you have a rational Board and sometimes you don't . . .
by wstrdg
Tue Feb 06, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Does Schwab ever offer transfer bonus into existing accounts
Replies: 20
Views: 3070

Re: Does Schwab ever offer transfer bonus into existing accounts

Not a bonus, but Schwab reimbursed the transfer fee charged by the other brokerage when we transferred new assets to an existing Schwab account. You do need to ask and submit a copy of statement showing the fee.
by wstrdg
Mon Feb 05, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 19552

Re: Vanguard site is crashed now?

can't log in either
by wstrdg
Mon Feb 05, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 19552

Re: Can't signon to Vanguard

same here
by wstrdg
Thu Feb 01, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 9386

Re: closet organizing system

Hi BashDash, This probably isn't the answer you're seeking, but an alternative solution is to remove the closet doors and hang a cloth curtain on a rod. This is popular in our area in old homes, where the bedrooms are too small to allow the closet doors to open into the room with anything other than...
by wstrdg
Wed Jan 31, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: undergrad major shortlist process
Replies: 20
Views: 1772

Re: undergrad major shortlist process

"Business" is not a very useful degree, IMO. Many colleges don't offer Business as a major, so maybe you and your student should research Economics, Finance, Marketing, etc. My own major was Accounting. Today, accounting is sometimes offered as a major, and sometimes as a concentration under Economi...
by wstrdg
Thu Nov 16, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 14005

Re: Has used furniture dropped in value dramatically?

Agree with all the other posts. My parent's stuff mostly didn't sell at all after their deaths. Even the gigantic antique roll top desk was a no sale -- we had to pay to have it hauled away. And I just painted a solid, sturdy late 1950s maple side table: bright orange with yellow paisley stencil. Be...
by wstrdg
Tue Nov 14, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 39
Views: 5403

Re: places to live near Stanford University

Plus one for renting for at least a year. Despite being relatively small in acreage, the various neighborhoods of the Bay area are very distinct, and you need time to get a feel for what's what. The most frugal option is shared housing -- lots of adults (even entire families) share housing here. Che...
by wstrdg
Thu Nov 09, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 2384

Re: Best Approach for Purchasing Many Furnishings

Put up a "used furniture wanted" post on Nextdoor dot com. You might make your neighbors happy by picking up their old stuff.
by wstrdg
Sat Oct 28, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Roth IRA for children
Replies: 38
Views: 5308

Re: ROTH IRA for children

Bonnan wrote: How did the kids have earned income with a W2? Our kids had earnings from babysitting, substitute dance school teaching, summer internships, etc. Some of this income was reported on a 1099 but most wasn't. They self-reported the income as Miscellaneous on their income tax returns -- i...
by wstrdg
Wed Oct 18, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 25
Views: 2269

Re: Brick Chimney Issues

Are you in Texas' earthquake country? Unsupported masonry chimneys have collapsed into homes during earthquakes and killed residents in California. And now Texas has 4.0 shakers: https://www.dallasnews.com/news/science-medicine/2017/09/25/fault-produced-north-texas-largest-quake-produce-even-bigger-...