Search found 316 matches

by sschoe2
Wed Jan 16, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Replacing front door slab/prehung
Replies: 5
Views: 349

Re: Replacing front door slab/prehung

I am hesitant to tear up the inside drywall and am concerned once I do it I'll find out a standard sized 36"prehung won't fit. In this case I think I am more inclined to hire this out. Do you think a handyman can do it or do I need a full fledged carpenter or I'm told If I go the slab route I can ju...
by sschoe2
Wed Jan 16, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Replacing front door slab/prehung
Replies: 5
Views: 349

Re: Replacing front door slab/prehung

deleted dup
by sschoe2
Wed Jan 16, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7358

Re: When would you stop being a Boglehead?

Being able to manage and protect your money is nearly as important as being able to earn it. That's too important to delegate.
by sschoe2
Wed Jan 16, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Replacing front door slab/prehung
Replies: 5
Views: 349

Replacing front door slab/prehung

I am a bit conflicted what to do about the beat up old front door on the house I bought. I obviously want to replace it and considered doing it myself except there is a complication. The painted drywall overlaps the rough opening rather than casing concealing the space which would be normal. As a re...
by sschoe2
Fri Jan 11, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4323

Re: Are REITs better to purchase when interest rates are high or low?

Just don't buy nontraded reits. I remember Bob Brinker went off about them regularly and put them in the same category as gold coins, whole life, annuities etc. and he had some callers who really got rooked with them.
by sschoe2
Wed Jan 09, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5257

Re: BHers, what is your Roth IRA %?

100% Vanguard Total Stock Market
it adjusts my 401k which is 100% Vanguard Target 2045 (best of limited options) I am less bullish on international than Vanguard which allocates 40% of stocks to international.
by sschoe2
Tue Jan 08, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2632

Re: TV antennas...

I don't have cable television. Nothing beats rooftop antennas. In Chicago I could maybe get 40 channels using a normal indoor antenna, 65 using a large attic antenna after a lot of directional adjusting, and a rooftop gets me 90 channels. I paid $160 to have one installed and use the old cable wire...
by sschoe2
Tue Jan 08, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2632

Re: TV antennas...

I don't have cable television. Nothing beats rooftop antennas. In Chicago I could maybe get 40 channels using a normal indoor antenna, 65 using a large attic antenna after a lot of directional adjusting, and a rooftop gets me 90 channels. I paid $160 to have one installed and use the old cable wires.
by sschoe2
Tue Jan 08, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2670

Re: Need a little insight from STEM Bogleheads

She’s enjoys teaching, She thinks professors get all this free time to do whatever they want Then she really needs to investigate further. Tenured professor's spend most of their time begging for money writing grant proposals, faculty meetings etc. Also the chances of getting a tenured professor po...
by sschoe2
Tue Jan 08, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2670

Re: Need a little insight from STEM Bogleheads

calmaniac wrote:
Tue Jan 08, 2019 2:00 pm
She is 7 years working full time and still $135k in debt?? She needs to learn about budgeting.
She needs to get away from teaching and academia. WIth her math credentials she can be earning big money. Academia and teaching will keep her poor and crush her soul.
by sschoe2
Tue Jan 08, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2670

Re: Need a little insight from STEM Bogleheads

There’s a lot of drama at her high school and nobody will fix the issues. She wants to write education plans and curriculums apparently. Teachers don't have a lot of freedom to write the curriculum. That is written by educational departments which dictate what and how things are taught to try to im...
by sschoe2
Tue Jan 08, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2670

Re: Need a little insight from STEM Bogleheads

If she doesn't like teaching then she should do something besides teaching. There are a lot of positions where high level math is highly compensated for calculating risk, odds/statistics, and money. Actuary comes to mind. Also agree that a PhD program should provide tuition waivers and a stipend eit...
by sschoe2
Fri Jan 04, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8245

Re: What Do You Spend The Most On Annually?

in terms of gross income
-Taxes ~35%
-housing ~30%
-food ~5%
-pets ~5%
-leisure (bicycling) ~1-2%
_______________________________
-savings max out 401k+rIRA 27%
by sschoe2
Thu Jan 03, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3601

Re: What Sudden Needs of Cash Do You Prepare For?

-Long term unemployment possibly with the need to retrain. Bad profession (Chemist)
-Home repair
-Vet bills
-moving expenses. Anything happens to my job I am so out of the state of Illinois even if I have to take a loss on my home.
by sschoe2
Thu Jan 03, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2883

Re: Thoughts on the new Maxima?

I watch Scotty Kilmer on Youtube and trust him and he trashes later model Nissans since the Renault merger.

https://www.youtube.com/watch?v=8h_r_OuJU-w
by sschoe2
Thu Jan 03, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1344

Re: Does this car repair quote seem reasonable???

You need multiple quotes for that. It does sound high to me. I would not put $4k into a Chevy but I probably would not have bought one in the first place.
by sschoe2
Thu Jan 03, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Cable TV renewal
Replies: 32
Views: 2326

Re: Cable TV renewal

I paid $169 to have a rooftop antenna installed and get 90 channels. I live 20 miles from downtown Chicago. I also have a smart TV and can get a lot more from the internet. I also have a computer with a large monitor in my bedroom that I watch a fair amount on. Some sites with lots of popups and oth...
by sschoe2
Wed Jan 02, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8290

Re: Your ideal home size

I am a single guy and recently bought a 1400 ft2 home. I am not using 2 of the 3 bedrooms nor the finished family room in the basement much. I'd say if I could configure the house and have 1 bedroom, 1 small office, and my current living room dining room kitchen and the unfinished basement for laund...
by sschoe2
Wed Jan 02, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: Any reason for optimism?
Replies: 81
Views: 3061

Re: Any reason for optimism?

I'm very optimistic that the stock market indices will be much higher in 30 years when I retire. Otherwise I have other stuff to worry about in life and will just blindly keep maxing my 401k and RIRA.
by sschoe2
Thu Dec 20, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: New job brings new 401k options. What should I choose?
Replies: 15
Views: 573

Re: New job brings new 401k options. What should I choose?

I would keep investing in those 2 funds for your 401k and then use your IRA to bring your asset allocation to your desired mix. I have my 401k invested entirely in Vanguard Target 2045 but am not a fan of having 40% of my stock allocation in total international so I compensate by having my IRA 100% ...
by sschoe2
Wed Dec 19, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2374

Re: Math: How much would you spend to repair this car?

Agree for $500 it would be totaled if the muffler was knocked off and that's it. Not to mention all the damages that will show up later that aren't immediately apparent.
by sschoe2
Tue Dec 18, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5948

Re: Is Liquid Plumber / Draino bad for the pipes?

They can accelerate the corrosion of galvanized drain pipes. It would not have any effect on PVC. However, as others have said it really is not very effective. Theoretically if it surrounds and immerses the clog long enough it can saponify the fats/grease like oven/grill cleaner. In practice it does...
by sschoe2
Mon Dec 17, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3034

Re: Airbnb as side gig

So I wonder how many smaller incidents Airbnb refuses to resolve on behalf of hosts when there's a need to get a payout from that insurance policy they promised upfront. As a disclaimer, I previously used to host. I've discontinued it because I've found that they ALMOST ALWAYS side with the guest w...
by sschoe2
Mon Dec 17, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3034

Re: Airbnb as side gig

deleted dup
by sschoe2
Mon Dec 17, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3034

Re: Airbnb as side gig

deleted dup
by sschoe2
Mon Dec 17, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 11326

Re: Can I buy a Tesla?

Image
by sschoe2
Tue Dec 11, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22346

Re: What are your property taxes?

snackdog wrote:
Mon Dec 10, 2018 7:52 pm
Is this actionable?
Sure you can move out of places that tax people out of their homes, you can vote against politicians that think that it is acceptable to do so, you can form coalitions to push for at least a 2% hard cap (1% is better) in your state...
by sschoe2
Mon Dec 10, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7318

Re: "The 10 Worst Places To Get Investing Advice"

18. A seminar at a free dinner at a nice restaurant after getting an invitation in the mail.
by sschoe2
Fri Dec 07, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22346

Re: What are your property taxes?

Location: Chicago's western subburbs in DuPage County
House: purchased for $257k in Oct 2018
2017 taxes $4800
2018 they want to increase it to $5600 so I plan to appeal.

I hate the government here if I didn't have a real good almost irreplaceable job here I'd leave the state.
by sschoe2
Fri Dec 07, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Probate after-action report: Oregon
Replies: 7
Views: 893

Re: Probate after-action report: Oregon

I did it in Illinois with just a small estate affidavit. The house was in a trust so it wasn't part of the probatable estate, and everything but a brokerage account had beneficiaries. It was much smoother. No need for a probate court and other than Bank of America which put me through a 2 month long...
by sschoe2
Thu Dec 06, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Streaming over-the-air TV on a laptop
Replies: 17
Views: 1307

Re: Streaming over-the-air TV on a laptop

HDHomerun. It can stream the channels over your wifi.
by sschoe2
Fri Nov 30, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Warm Sleepwear
Replies: 21
Views: 2518

Re: Warm Sleepwear

I just sleep under 2 bed spreads during the cold months in Chicago. I keep the thermostat at 63 deg overnight to conserve gas. 2 bedspreads works like layering and traps a lot of insulating air.
by sschoe2
Tue Nov 27, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6049

Re: Why is the Honda Fit so hard to find?

I drive a Honda Fit. It is pretty good for what it is. It is designed for people that view a car as a wrench rather than a fur coat. It is inexpensive, reliable, drives well, has exceptional cargo capacity for its size, and awesome gas millage.
by sschoe2
Mon Nov 26, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Aging Parent's deteriorating home
Replies: 30
Views: 3890

Re: Aging Parent's deteriorating home

Same experience here though not as bad. My mother was a pretty bad clothing hoarder and never did anything other than fix major system failures like hot water heater or roof. There really isn't much you can do. I toyed with the idea of putting money in the house but my mother would not discard the c...
by sschoe2
Mon Nov 19, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18416

Re: Vanguard lowering Admiral level to $3,000?

VTMSX-tax managed small cap still says $10k.
by sschoe2
Tue Nov 13, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 8197

Re: Customer Service with Vanguard

I haven't had much reason to use Vanguard customer service so it isn't a big issue for me. I have a taxable and RothIRA with a simple mix of index funds. I like their variety of funds and expense ratios. The one thing that concerns me is their not respecting general POA's. My brother is thinking of ...
by sschoe2
Tue Nov 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4521

Re: Recommend Chrome ad-blocker

This is likely an unpopular opinion, but if you arent willing to pay for the content you get free on the internet, all blocking ads does is (1) make it so the ads you do see are not targeted and (2) put content providers out of business. If you are willing to pay, have at it. I'd agree with that if...
by sschoe2
Tue Nov 13, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28654

Re: How many of you have cut the cord?

I don't watch much live TV anymore. I mostly get stuff over the internet via a computer and large monitor in my bedroom and recently a smarttv. I had a rooftop antenna installed which gives me 90 channels 20 miles west of downtown Chicago. It was $170 for the antenna and install and used the old cab...
by sschoe2
Tue Oct 23, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 8871

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

For my deceased mother's home we decided to sell as is. She bought it when it was built in 69 and never did any renovations other than needed repairs so -Interior needs all wallpaper removed and all walls skimcoated and painted -hardwood floors needed to be redone stupid clay based carpet pad stuck ...
by sschoe2
Thu Oct 18, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 24420

Re: Water Heater Install $1,800!

I had one replaced in January. It was partially covered by AHS but had to pay an additional $450 because stupid Illinois code disallows any kind of flexible connectors for either the water or gas. It has to be hard black steel for gas and copper for water. That makes the gas install more difficult a...
by sschoe2
Sun Oct 14, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6519

Re: When to stop putting money into an older vehicle

When you start triaging problems and ignoring some it is time. I would plan on replacing it soon as the next major problem and it is gone.
by sschoe2
Thu Oct 11, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2325

Re: Job Opportunity - Via Staffing Agency

I would not take one of these so called "temp-to-hire" jobs. The WE Upjohn Institute for Employment Research found only 27% of them actually do ever become permanent direct employment. My field is infested (chemistry) with staffing agencies and my experience with them is not good. The companies that...
by sschoe2
Wed Sep 19, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25999

Re: What is your single most expensive mistake?

Majoring in Chemistry/Biochemistry. Every time I hang up on a recruiter wanting to pay me $15 an hour (with an MSc and 10 years experience) with no or crap benefits reinforces that.
by sschoe2
Wed Aug 29, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4340

Re: Bone in my food

Sometimes boneless chicken breasts still have small bone fragments that haven't gotten separated out. It happens and generally doesn't cause problems.
by sschoe2
Wed Aug 29, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4340

Re: Bone in my food

Is this a serious post/thread? :oops: OP, you're not a fan of Chipotle, don't like their meat, only tolerate their chicken, and you eat there once or twice a week?? Is Chipotle the only restaurant around you? It is surprising that disparaging a restaurant by name is permitted here. Why? We beat dow...
by sschoe2
Fri Aug 03, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Cannot redeem [Non-traded stock]
Replies: 4
Views: 407

Re: Cannot redeem [Non-traded stock]

I've also heard Bob Brinker talk about nontraded REITS, typically in the same light as whole life, variable annuities, and high cost advisory services. They are bad news.
by sschoe2
Tue Jul 10, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6072

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

This is absolutely true and has been that way forever. Most all use the same type of fluid and the systems are mostly sealed . Honda wants you to use Honda brake fluid and tell you only in a pinch use standard DOT3. I think that is nonsense I went with DOT3 and had Sears replace it for $69. Tranny ...
by sschoe2
Mon Jul 09, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Honda key remotes/transponders
Replies: 5
Views: 705

Re: Honda key remotes/transponders

I want to clarify that I just use the original keys and the fobs I buy are keys as well but I just hacksaw off the keystalk. The keys have RFID chips in them that a transponder near the igntion cylinder has to detect and be programmed to accept. I've heard of people cutting the chip out of one key a...
by sschoe2
Mon Jul 09, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Honda key remotes/transponders
Replies: 5
Views: 705

Re: Honda key remotes/transponders

I have a 2009 Fit base. I buy the FOBs off ebay for $12 and to program them there is an ignition code where you turn the key to II and hit the remote and do that like 3 or 4 times.