Search found 244 matches

by Pigeon
Wed Nov 13, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Undergrad major psychology
Replies: 9
Views: 690

Re: Undergrad major psychology

What does this young person want to do career-wise?
by Pigeon
Wed Nov 13, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 84
Views: 13136

Re: Retired Boglehead obsession with money- devil's advocate

Having had a number of relatives and in-laws live well into their 90s, I worry far more about living too long than dying too young. Two spent a couple of years in nursing homes and I agree with the sentiment that the price of the nursing home doesn't necessarily correlate to the quality of care give...
by Pigeon
Tue Nov 12, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Question
Replies: 5
Views: 564

Re: Hearing Aid Question

I would ask this at the forums at hearingtracker.com. As the previous poster said, what you were told doesn't make a great deal of sense given how old your pair is. I have heard that Costco doesn't carry the absolute top end models, but those tend to have features that aren't necessary for most peop...
by Pigeon
Mon Nov 11, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7246

Re: Should I buy the family cottage?

I would not buy it. We faced similar situations with both my parents and my in-laws, with vacation homes on both sides. It will create friction with your siblings that will never go away. There's no way that you getting an extra $300K inheritance is going to not cause resentment. You say that you "w...
by Pigeon
Mon Nov 04, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1648

Re: Cell phone service

I have never looked at their higher end plans before, but it looks like the $30 per month one does give 3 GB of LTE on Verizon network (CDMA). But is there really much difference in coverage between Verizon, ATT, and T-Mobile anymore? It depends on where you are. Where I live, there is still a very...
by Pigeon
Tue Oct 29, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8824

Re: How much do you plan to spend on your children's weddings?

I sincerely hope those who are contributing zero dollars also expect to have zero input on any and all of the wedding plans and guest list.
by Pigeon
Mon Oct 28, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8824

Re: How much do you plan to spend on your children's weddings?

We plan to have gift each daughter the same amount, probably around $15,000. They can do with it what they will, whether it's applying it to a wedding or a down payment on a house, etc. We paid for their college educations. We have a very large extended family, and these people are important to my d...
by Pigeon
Mon Oct 14, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1516

Re: How much do you spend on dry cleaning?

Maybe $20 to $30 a year to get a winter coat and the occasional blazer cleaned.
by Pigeon
Thu Oct 10, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3429

Re: Consumer Reports

I think they are one of the few sources for good, independent reviews of products. I think it's a lesser publication than it used to be, which is true of just about every popular press publication I can think of. I consult our public library's subscription with some frequency. I use the public libra...
by Pigeon
Fri Oct 04, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Two doctor / healthcare questions
Replies: 8
Views: 902

Re: Two doctor / healthcare questions

When I've switch PCPs, they may bill my insurance more for a new patient consultation, but they've never made the physical a separate appointment. The doc may spend an additional minute or two going over my medical history, but they do it as part of the initial appointment. That would annoy me a gre...
by Pigeon
Tue Oct 01, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3049

Re: Ants immune to Terro or just lots of ants?

I had exactly the same issue this summer. Terro wasn't getting it done and sometimes they would build nests in the bait and laugh. Terro is for ants that are attracted to sweets. I realized they were protein/grease eating ants. I mixed cat food with borax and put it on a small flat square of parchme...
by Pigeon
Wed Sep 25, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1563

Re: Teaching as a second career with no prior formal training in teaching

I have several science teachers in the family, including one who entered via an alternative route. Your friend should spend a significant amount of time talking to school teachers and trying to shadow them in a variety of settings. Teaching high school isn't for the faint of heart. Teacher turnover ...
by Pigeon
Fri Sep 20, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8232

Re: How to handle "split-the-bill" group lunches?

I don't drink either and find myself in a similar situation sometimes. i'd either see if they can do separate checks up front and then everyone throws in a portion for the birthday girl or I'd just split the check evenly. Yeah, I'd pay a little more. Not a big deal as far as I'm concerned. I do ofte...
by Pigeon
Fri Sep 20, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 10752

Re: How hard is it to get into college?

You can get a good idea of this yourself pretty easily. Pick out a few schools that she's likely to be of interest to her. Go to their websites. Most schools will have some kind of profile of their most recently admitted class that will give you an idea about the typical test scores and GPA. There a...
by Pigeon
Thu Sep 12, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3188

Re: Need ideas for NY Upstate Getaway

Another vote for Saratoga Springs.
by Pigeon
Wed Sep 04, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Requesting some general life advice (career, living location, etc.).
Replies: 23
Views: 2314

Re: Requesting some general life advice (career, living location, etc.).

Depending on what you do, could you move upstate? The train from Albany to NYC is pretty solid and low-hassle for weekend trips to see family. She could stay in the NYS pension system and find a job in one of the suburban districts that pay pretty well. Real estate in the Albany area is quite reason...
by Pigeon
Wed Sep 04, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7715

Re: First-hand experiences with United Basic Economy for families?

I can't imagine how you travel with three little kids and bring no luggage at all, unless you are paying to check a bag or two. I may be a jerk, but I wouldn't switch seats to accommodate your three year old. I've got kids and I understand traveling with kids. But I think it's pretty inconsiderate t...
by Pigeon
Thu Aug 15, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2090

Re: 1) What age did you have your teen get a driver's license?

Ours got permits at 16, and took Driver's Ed classes. They got their licenses at 17. In our state, there are restrictions on their driving until they turn 18. I thought that was a good way for them to get driving experience under somewhat controlled circumstances. They were both involved in a ton of...
by Pigeon
Fri Aug 02, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: How to best obtain vehicle for older parents?
Replies: 20
Views: 1640

Re: How to best obtain vehicle for older parents?

I would opt for something smaller rather than something larger. When my ILs were in their early 80s, they needed a new car. At that point, their driving was mostly limited to a 20 mile radius. We shopped with them, and the Honda Fit was perfect. My BIL kept trying to get them to buy a mid-size SUV, ...
by Pigeon
Fri Aug 02, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Wood Kitchen Counter Tops
Replies: 23
Views: 2020

Re: Wood Kitchen Counter Tops

I've had two relatives with wood countertops. While they looked natural, they didn't look good over time, and these were people who were pretty careful.
by Pigeon
Thu Aug 01, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15837

Re: Why won’t anyone hire me?

I suspect the problem is a combination of a few different things. Age discrimination is a thing. You aren't old. But with no recent experience and no degree, you are competing with people who are not long out of high school, and they may be seen as having more up-to-date skills. You need to find a w...
by Pigeon
Thu Aug 01, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 4021

Re: Which car to buy?

The OP stated they have a $15K budget, which makes many of these suggestions moot. I would agree that what makes sense here is to get either really good all weather tires or snow tires and just keep the Civic if you only plan to keep the new car for 2 years or so. When you are actually starting a fa...
by Pigeon
Wed Jul 24, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7877

Re: Uber Without Smartphone

Another vote for get an inexpensive smart phone and a cheap data plan from one of the services suggested here. Chances are good you will find it pretty useful. My ILs took a perverse pride in not picking up new technologies as they aged. My parents, while not hopping on cutting edge tech, kept up pr...
by Pigeon
Wed Jun 12, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1798

Re: Careers that combine art/design and science?

I have a relative who got a BFA in medical illustration. She's done very well for herself. She's currently self-employed, doing contract work for pharmaceutical companies. She has more work than she knows what to do with, and she often is in need of freelancers. I agree with the pp, who said she sho...
by Pigeon
Thu May 30, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6427

Re: Women, How Much Do You Pay for Haircut

I pay $14 for a cut, no shampoo. I give a $6 tip, so $20 total. I color at home, which is about $7.
by Pigeon
Mon May 20, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2768

Re: When to buy a vacation home

Both my inlaws and my step-mother had vacation homes, 1 to 2 hours away, so not huge drives. My step mother's was on a lake and my inlaws' was near a lake and a ski resort. Watching the family dynamics in both cases, I wouldn't have one as a gift. It's a ton of work. Having one home is plenty of wor...
by Pigeon
Fri May 03, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: new Subaru Forester 2019 - Accessories?
Replies: 27
Views: 2633

Re: new Subaru Forester 2019 - Accessories?

We just got one. I'd get the body side mouldings if yours doesn't have them -- helps prevent door dings. We got the Safety and Security Starlink for $75 for 3 years which gives you the remote start, remote lock/unlock, and map tracking of where your car is plus boundary setting. The multimedia vari...
by Pigeon
Thu May 02, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement
Replies: 67
Views: 5580

Re: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement

1. Most people who aren't born rich don't care if they ever go skiing. Most people prefer basketball or soccer depending on where they live. 2. I don't use leaves for toilet paper or do any extremely frugal things. I just pick the cheaper options and take on extra risks. That was part of my point. ...
by Pigeon
Thu Apr 25, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 2913

Re: When is it worth it, and not, to live in a (very) high COL region?

We are also in an upstate NY city. We lived for several years in a much higher COL suburb in NJ that was a commuter town for people working in NYC. Personally, we're much, much happier where we are now. It's not super low COL, but much cheaper than where you are. There are some excellent suburban sc...
by Pigeon
Tue Apr 23, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Assisted living and nursing home expenses
Replies: 27
Views: 2009

Re: Assisted living and nursing home expenses

Yet another vote for moving them close to you. You might also want to look at facilities that have memory care if she is otherwise in pretty good physical shape. When my MIL's Alzheimer's became more serious, we were able to get her into an amazing memory care facility. She had been living with my B...
by Pigeon
Mon Apr 22, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Deferred compensation limits
Replies: 1
Views: 343

Deferred compensation limits

I am a state employee who is fortunate to have access to two different types of voluntary savings programs a 403(b) and my state's Deferred Compensation (457) Plans. I'm over 50, and can therefore contribute up to $25K (the $19,000 regular deferral plus the additional $6,000 deferral for being over ...
by Pigeon
Wed Apr 17, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Anyone have a child model?
Replies: 42
Views: 4789

Re: Anyone have a child model?

My sister has a son who was very interested in acting/modeling. He's a very good looking kid, extremely photogenic and athletic. He had some decent success through about age 14 or so, particularly in getting ads for sporting equipment and events for some big name companies. He lives in an area that'...
by Pigeon
Mon Apr 08, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5434

Re: New homeowner wants to DIY, but disappointed today

I personally would DIY nothing, my partner does everything DIY. From my observation, I would start with projects where there is low potential for catastrophe to build up your confidence and skills. We had a plumbing catastrophe in my MIL's house that resulted in the entire house being flooded and es...
by Pigeon
Wed Apr 03, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Additional Costs for 3rd Child?
Replies: 74
Views: 2902

Re: Additional Costs for 3rd Child?

My partner was the youngest of five boys, because his mom kept trying for that girl. His brother has five boys for the same reason. A big factor on how expensive a third is when they are little has to do with whether or not you will use childcare. If one of you was already planning to stay home and ...
by Pigeon
Thu Mar 28, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 10424

Re: How will you spend your retirement money?

We are about 3 years away from retirement. Better lifestyle? I think it will be fairly similar to my current lifestyle. Travel? Yes, more than we do now. Probably one nice trip abroad per year and several lower cost trips in the US. Hobbies? Ours are fairly frugal and I need to develop more. Dh has ...
by Pigeon
Tue Mar 26, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 5302

Re: High School Senior Pictures

I'll sheepishly admit, i kind of don't like having a lot of photos. I don't want tons of pictures from a photo shoot. Maybe it's the result of liquidating the homes of dead parents and inlaws, but i find dealing with photos particularly burdensome. Nobody ever wants to throw them out. Yeah, you can ...
by Pigeon
Tue Mar 26, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 5302

Re: High School Senior Pictures

Our high school had photo sessions set up to take senior photos for the yearbook and they did other poses. You could then buy a package if you were interested. They were expensive and just OK. My kids didn't think they were worth the money. We have had really good luck through the years with JCPenny...
by Pigeon
Wed Mar 20, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4775

Re: Slow cooker vs Instant pot........

Add me to the list of people who aren't crazy about the Instant Pot. It's quite good for a few things, like cooking dried beans. I'm not crazy about most of the things I've tried. There are people who rave about cooking hard boiled eggs in it, which baffles me, probably because I don't ever cook big...
by Pigeon
Thu Mar 14, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8683

Re: Bright daughter wants to work for nonprofit

She's an adult and it's her career. Presumably, she'll be self-supporting despite the salary cut and isn't asking you for money? If she's asking you your advice about the matter, I think you can discuss that there are many advantages to having a high salary. There are also advantages to having perso...
by Pigeon
Thu Mar 14, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 4087

Re: Vacation Home: Own vs. Rent??

Both my ILs and my step-mother and dad had vacation homes. Having watched how that worked, I wouldn't have one as a gift. Both locations were lovely, and were only 1-2 hours away, so having to travel long distances wasn't an issue. Great memories were made in both homes. However, they were a real gr...
by Pigeon
Mon Mar 11, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6927

Re: If you have a serious health problem, do you retire or?

I'm a cancer survivor, but got it 14 years ago, while I still had relatively small kids. Retirement at the time wasn't on my radar, but I could have taken extended time off work. For me, I wanted to work through the whole nine yards of treatment (chemo, rads, surgery) as much as was possible. The la...
by Pigeon
Tue Feb 12, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9155

Re: What is a Boglehead funeral/burial?

There is comfort in the rituals, even if they do not make sense. I come from a long line of people who go for the full fig funeral. Embalming, tarting up the corpse, fancy casket, wake on one day, whole hog religious service the next, limos to the cemetery, graveside service, headstone. You name it...
by Pigeon
Mon Feb 11, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9155

Re: What is a Boglehead funeral/burial?

I'd like a simple, direct cremation in a cardboard box, with my ashes spread in the woods. I kind of think putting them in a pinata would be cool, as I always wanted a birthday party with a pinata, but never had one. But my kids have vetoed this idea. A little later, a nice party with good food, boo...
by Pigeon
Mon Feb 11, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11385

Re: Diamonds are forever.

An interesting if conflicted thread. So is the consensus among the knowledgeable ones on this board (I know nothing about diamonds) that diamonds are a disaster considered as an investment? One occasionally runs across romantic tales about refugees converting their cash into diamonds before fleeing...
by Pigeon
Tue Jan 29, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Value of old computer magazines?
Replies: 24
Views: 2293

Re: Value of old computer magazines?

Get rid of them. Your library can get you copies of articles, should you ever need them, but you won't.
by Pigeon
Wed Jan 16, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18986

Re: Are You Dumping Netflix?

The price change doesn't bother me. What bothers me is the shrinking catalog. Every time I want to watch something that isn't a Netflix Original(TM), it isn't even on Netflix anymore. I used to be a big fan of Netflix because it put so much great content but they aren't focusing on expanding their ...
by Pigeon
Tue Jan 08, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Refinishing leather on Furniture
Replies: 4
Views: 541

Re: Refinishing leather on Furniture

It sounds to me like the leather on the seats at least is "bonded leather," as opposed to genuine leather. Bonded leather is a cheap material made by taking scraps of leather and grinding them up, and mixing with other material to process into sheets. It doesn't have the wear properties of genuine l...
by Pigeon
Sat Jan 05, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8559

Re: Engagement Ring (Affordable)

I'm the opposite in this case. I think it's cooler that something came from the ground than manufactured in the lab. It is interesting to see the kind of debate the engagement ring topic creates vs any other luxury good or service posted about on Bogleheads. Diamond engagement rings and white weddi...
by Pigeon
Thu Jan 03, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5952

Re: Gift Ideas for wife

Without knowing what she already has, how old she is, or how much you are thinking of spending, I can think of a few general ideas. A sous vide machine, subscription to something like Plated or Hello Fresh, an Aero herb garden, subscriptions to cooking magazines (I really like Eating Well and Saveu...
by Pigeon
Thu Jan 03, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8559

Re: Engagement Ring (Affordable)

Don't buy her a fake. At some point in her life, she'll most likely need to get it resized or new prongs or something. Starting off your married life with a lie isn't a good idea. I like diamonds and like nice jewelry. I vote for estate jewelry. You can buy a nice stone and get it reset into a moder...