Search found 560 matches

by IMO
Thu Oct 03, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3007

Re: relocating across country

Hi all wise Bogleheads. I am anticipating a relocation from New England to San Diego. Any words of wisdom on making a relocation as easy as possible for a family. Fortunately the finances seem to be well placed and the relocation budget I've been given is 220k which seems very generous. Thank you! ...
by IMO
Thu Oct 03, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4499

Re: Chase Bank canceling credit cards??

Worth the effort to call and check. Banks have been known to make mistakes in their records. He called, told them he was a US citizen, and asked for the reason. They refused to give a reason. He asked to speak with a supervisor. They refused. I already shared all of these comments and he is now scr...
by IMO
Thu Oct 03, 2019 3:20 am
Forum: Personal Consumer Issues
Topic: Dishwashers
Replies: 24
Views: 1492

Re: Dishwashers

duplicate post
by IMO
Thu Oct 03, 2019 3:20 am
Forum: Personal Consumer Issues
Topic: Dishwashers
Replies: 24
Views: 1492

Re: Dishwashers

We do zero precleaning. The really dirty stuff we put in is pots and pans. For examples, skillets used to make scrambled eggs, unrinished, into the dishwasher. We put crockpots, skillets for cooking hamburgers. We put every other pot and pan in. Generally these come out somewhere above 90% clean. T...
by IMO
Fri Sep 27, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7260

Re: First car for child

I'm getting the impression that for bogleheads, it's considered the norm that essentially when one gets old enough to get a driver's license they are provided their own car. What exactly are these high school kids doing that they couldn't at least borrow a parents car on those occasions that they ne...
by IMO
Thu Sep 26, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8572

Re: Physical activity suggestions for a non athletic youth

curious as to why you feel that it's considered okay to be overweight/obese in today's society? Because they majority are? The US certainly has a problem and all these overweight people will put a drain on our health care system going forward. After traveling to different European countries, it's e...
by IMO
Thu Sep 26, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 9899

Re: How hard is it to get into college?

There are plenty of qualified students who would do just fine in the "elite" colleges if they were admitted. It seems what we need are more "elite" colleges, or more spots at the existing ones, enough to accommodate every student who has the ability to benefit from them. But then, would they be "el...
by IMO
Thu Sep 26, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8572

Re: Physical activity suggestions for a non athletic youth

Also please no comments on “exercising as a family.[/b]” My husband and I are not particularly athletic either and the most “sport” we do is weekly hikes through our town trails. Other than my oldest we are all normal weight and some are underweight. You seem to be discounting this as a symptom of ...
by IMO
Thu Sep 26, 2019 2:50 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 9899

Re: How hard is it to get into college?

^ at my kids’ school, there was a fair amount of oversight of the application process. One reason that I referred to essays and recommendations together is that the counselors wanted to maintain their good relationships at good schools, and informally “policed” the writing of essays. As it happens,...
by IMO
Thu Sep 26, 2019 2:23 am
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 37
Views: 3811

Re: Is Utah the most convenient destination for East Coast skiiers?

i have been a couple times. it is incredibly convenient. been to Colorado as well. not nearly as convenient. at any rate, just want confirmation as well as recommendations of mountains. been to Park City/The Canyons, Snowbird and Brighton. would love to hit Powder Mountain but that seems far (about...
by IMO
Wed Sep 25, 2019 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

Goal33 wrote:
Tue Sep 24, 2019 11:57 pm
You’re assuming there’s another place for the money to come from. That why most people don’t want their house to be down in value when they upgraded. They absolutely require the money to come from their sale.
Why are you insisting I don't understand that?
by IMO
Wed Sep 25, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3522

Re: Uber - first time user - will I get picked up

I once scheduled an Uber for an early morning flight out of DCA. Uber cancelled around the scheduled time of pickup at 0 dark 30. Had to scramble to get a cab and nearly missed the flight. I now only use Uber to get to the airport if my flight is during normal business hours and I have baked in ple...
by IMO
Tue Sep 24, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

But I get your point. Most people are happier when they end up with more funds when they close their home. One needs to come up with the funds from somewhere when moving up and often that's easiest when it comes from one's closing, but I think that goes with the "money is fungible" concept? you don...
by IMO
Tue Sep 24, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

Sure if you're moving to another area. But people seem to selectively forget it's likely the next house one bought is also being sold at a loss. People only focus on "their" loss and forget the guy they just brought the next house also took a loss. That's just my observation of human nature I've se...
by IMO
Mon Sep 23, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

If your house goes down say $200,000 in 5 years and you sell, it is likely the next house your looking at buying in the general area will go down a similar/relative amount. Sell low, buy low. In these cases, people seem to be unhappy. People are unhappy in this situation because they lost real mone...
by IMO
Mon Sep 23, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

If your house goes down say $200,000 in 5 years and you sell, it is likely the next house your looking at buying in the general area will go down a similar/relative amount. Sell low, buy low. In these cases, people seem to be unhappy. People are unhappy in this situation because they lost real mone...
by IMO
Mon Sep 23, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: How can I figure out how much storage I will need for a move?
Replies: 7
Views: 498

Re: How can I figure out how much storage I will need for a move?

Also, how long do you expect to store stuff? If it's 2 months, then going a size larger than you expect doesn't carry too much downside. If 2 years, then getting it right matters more. Showing up at a storage facility with a big truck of your belongings and finding it doesn't fit into your reserved...
by IMO
Mon Sep 23, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8572

Re: Physical activity suggestions for a non athletic youth

Thanks for all your replies! Nice to hear there are other non-athletes in the group. I didn’t want to focus on diet because I didn’t want to get the thread locked. Diet was the first thing we changed. This has been a two year battle. No juice boxes, no processed snacks, no let’s hit Dunkin Donuts a...
by IMO
Mon Sep 23, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Removing ceramic tile with hammerdrill+chisel bits
Replies: 18
Views: 1220

Re: Removing ceramic tile with hammerdrill+chisel bits

A fairly small area, about 5'x7' in the entryway with 14" tiles. Any tips on what size chisel bit to use with the hammerdrill, or will I need to buy several sizes? How messy (dusty) will it get? Or can you lightly spray it with water as you chisel to keep dust from drifting to nearby carpet and fur...
by IMO
Sun Sep 22, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 2920

Re: Separate laptop for dealing with finances?

Read few articles regarding viruses, cyber attacks etc. would it make sense to use a separate laptop to deal with all the financial accounts but nothing else? How do you protect your digital accounts? Would this separate laptop somehow be immune to viruses and such? It will be immune from other fam...
by IMO
Sun Sep 22, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 71
Views: 8220

Re: Time Saving Tactics: Kids Edition

We knew some people who simply hired a live in nanny that also does the housework as well as things like drive kids on errands.
by IMO
Sun Sep 22, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 9899

Re: How hard is it to get into college?

All of the above about the false implied accuracy of GPAs is one reason that I continue to believe that essays and recommendations play a large role in holistic admissions. I might have missed it, but I don’t think it’s been mentioned on the thread. Schools that are numbers based don’t care too muc...
by IMO
Sun Sep 22, 2019 3:49 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 10981

Re: Anyonw driving Uber for fun and pocket money in retirement?

Well I haven't posted much on the forum but I'm willing to help people really understand what it's like to drive for Uber if you're interested. Not sure how much to post in this post but let's see how far it goes... I live in Phoenix so it's a large city which means more requests. I also only drive...
by IMO
Sun Sep 22, 2019 3:33 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 9899

Re: How hard is it to get into college?

Oh, I flunked a semester of English in high school (as in 'F' on report card). I got into every college I applied to and matriculated at a private elite university mentioned a few times on this forum. So getting a grade less than 'A' is not the kiss of death. +1 Indeed. There's much more than grade...
by IMO
Sun Sep 22, 2019 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1035

Re: The US is more expensive to be self-employed than Canada

The US is only marginally more beneficial in the much higher tax brackets. Medicare / SS also really dig in to income. Im self employed so im paying the full amount (15.3%). Medicare has no cap. SS tax is capped at around $150k USD income. Canadian equivalent CPP is capped at around $5000 CAD (tota...
by IMO
Sun Sep 22, 2019 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8593

Re: Overpaid for my house, next options?

I bought a house (20% down) in the bay area a year back and I think I most likely paid much over the actual price. Considering the prices are going further down, there is a bigger difference now between the actual value and what I paid for. Considering what is done is done, I want some help with lo...
by IMO
Sun Sep 22, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 8744

Re: Best places to live to raise a family (cost doesn't matter)

My family and I may consider moving. What are some of the best places to live to raise a family? I know there are numerous articles with rankings but all the ones I've seen factor in cost quite a bit. We'd be ok spending/living in a VHCOLA (very high cost of living area). Since you specifically sai...
by IMO
Sun Sep 22, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: moving retired/elderly parents to soCal? sane or insane?
Replies: 29
Views: 2323

Re: moving retired/elderly parents to soCal? sane or insane?

Wow. I very much appreciate all the replies. Even the ones I want to fight back on. Thank you. To the person who called out Loma Linda, the VA factor is appealing. Also, the fact that my parents are Seventh Day Adventists makes Loma Linda very appealing. Addressing each concern: 1) IE/Palm Springs ...
by IMO
Sat Sep 21, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 9899

Re: How hard is it to get into college?

I wish I could personally thank everyone who offered information in this thread. It's been very helpful. On the whole 5.0 scale, etc. My daughter's schools does that to a degree. honors classes are weighted with a +.5 and AP classes are weighted with a 1.0. So If someone gets a A in a regular class...
by IMO
Sat Sep 21, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Save? Invest? Pay off Mortgage?
Replies: 12
Views: 1653

Re: Save? Invest? Pay off Mortgage?

I've come to a fork in the road and I am not sure which way to go. First of all, I work in Sales so I can make anywhere from $55k/ year(low end) to $110K/year(high end). My job is very centered around the economy. When businesses are doing well, I am doing well because they want to spend money auto...
by IMO
Mon Sep 16, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3924

Re: Best Leaf Blower?

This is why you should rent vs. owning a home.

Sorry, couldn't resist a nonsensical answer that someone posted concerning a question about a gas can for a lawn mower. 8-)
by IMO
Sun Sep 15, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8705

Re: Do You Tip At Counter Service Restaurants?

Do you tip the bartender for the beer? Doesn't the person who brings your burger and fries to the counter deserve as much? Honestly, I don't feel someone either popping the cap off a beer or filling up a glass of beer from a tap deserves a tip in life. The problem is that it is socially expected to...
by IMO
Sun Sep 15, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8705

Re: Do You Tip At Counter Service Restaurants?

Nicolas wrote:
Sun Sep 15, 2019 3:07 pm
Why don’t we tip grocery store baggers? They’re also providing a service and are low paid.
Apparently you've never shopped at a military base.
by IMO
Sun Sep 15, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Floating flooring for hallway?
Replies: 2
Views: 381

Re: Floating flooring for hallway?

Has anyone had a floating plank or tile floor installed in a hallway, especially if the hallway includes a corner and a change of direction? Or is glue-down flooring generally the best way to go for hallways, due to the smaller dimensions? I'm guessing, but could definitely be wrong, that part of t...
by IMO
Sat Sep 14, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 2304

Re: 2019 Costco HVAC services: Good deal/issues?

Check any quote for whether they are replacing thermostats. First, may be totally unnecessary. Second, make sure the homeowner has the technical capability to understand how to work it. My mother has zero technical ability. Actually, less than zero. :oops: I made sure that all quotes either include...
by IMO
Fri Sep 13, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 2304

Re: 2019 Costco HVAC services: Good deal/issues?

Thanks for the feedback. My parents did get 2 estimates from other companies which will be helpful to compare. I had advised them to get a quote from their local Costco simply because I was under the presumption that Costco would be holding their service contractors to higher standards. It seems the...
by IMO
Thu Sep 12, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1588

Re: Bike head/rear lights

Go all in on low light/night riding safety: a) Rear blinking lite. b) Front blinking lite. c) Reflective clothing/tape on your helmut. d) I'd even get the inexpensive spoke lights or valve stem lights that make your wheels extremely visible (Used to get these for a couple bucks at walmart for my ki...
by IMO
Thu Sep 12, 2019 2:23 am
Forum: Personal Consumer Issues
Topic: Best drywall Anchors for hanging curtains
Replies: 30
Views: 1873

Re: Best drywall Anchors for hanging curtains

Hi all, Thanks for your recent help with my keyboard thread. I have had poor luck hanging my curtains lately as they are sagging/loose. Have tried to find a stud to screw into but in some locations it is not possible. Can anyone recommend a simple sturdy anchor for drywall for this. ? Thanks! I mea...
by IMO
Thu Sep 12, 2019 2:18 am
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 2304

2019 Costco HVAC services: Good deal/issues?

So my parents in SoCal are finally having to replace their 45+ year old HVAC as the A/C finally died.

Has anyone used Costco for HVAC?

Thoughts on using them, issues, warranty, etc?

(Didn't search for older threads on topic as want up to date feedback).
by IMO
Thu Sep 12, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4299

Re: [Buying 1/2 pint milk in bulk for school lunches?]

Why do retailers not sell 1/2 pint milks in quantity? All the other junk drinks are available but no milk. We just got hit with the first week of school lunch expenses: $55 for 2 elementary aged kids. Normally they pack but the first week is crazy and we hadn't set up restrictions on their accounts...
by IMO
Thu Sep 12, 2019 1:59 am
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1588

Re: Bike head/rear lights

You can get great lights cheap. The main thing for rear red light is the flashing to get driver's attention. ( I even have a bell, really helps when coming up on walkers, or walkers with dogs, strollers etc. etc.) A good white/clear flashing headlight also.Enjoy the ride ! Agree with this thought. ...
by IMO
Thu Sep 12, 2019 1:42 am
Forum: Personal Consumer Issues
Topic: Long term storage of clothes
Replies: 21
Views: 1473

Re: Long term storage of clothes

I need to put some bins of clothing into long term storage. Internet searches suggest that placing them in airtight plastic containers are bad because clothing needs to "breathe" - this does not really make sense to me. Why would fabric need circulating air? I was thinking that if I could buy good ...
by IMO
Thu Sep 12, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2044

Re: First car accident ever, now what?

My wife was rear ended on the highway today. It was a separate accident in the slowdown behind a 4 car accident. Her Sorento bumper and lower lights are damaged, it's driveable. Other driver is 18 years old foreign guy from another state. Police were involved and we have a report number. We have Er...
by IMO
Thu Sep 12, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4366

Re: Best Dog Car?

Whatever car/truck/suv you get, there is no comparison to having leather seats when it comes to removing dog hair.
by IMO
Tue Sep 10, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Replacing Kitchen Faucet
Replies: 10
Views: 1189

Re: Replacing Kitchen Faucet

Also make sure with a new faucet that the water connection hoses (even the longer ones at HD/Lowes) will be long enough. Recently replaced a faucet and since the new faucet had shorter water hookups, it barely reached with the longest hoses I could find.
by IMO
Tue Sep 10, 2019 12:31 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 8799

Re: Electric Bicycles

A study was just published showing that e-bike riders (in the study) got just as much exercise as regular bike riders (they ride more, ride further). I'm in excellent shape, but absolutely love my e-bike. An electric bike is not just a way to cheat and make your exercise easier. It's a mode of tran...
by IMO
Mon Sep 09, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early - am I thinking about this right?
Replies: 127
Views: 11040

Re: Paying off mortgage early - am I thinking about this right?

You can consider your home whatever you feel since it is your home but, let me ask you some follow up question: 1) You have $80k and a $100k home with an $80k mortgage how do you invest that $80k to stay at a 60/40 portfolio? 2) If I instead used that 80k and payed off the mortgage, I now have a $1...
by IMO
Mon Sep 09, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: cost basis of house
Replies: 14
Views: 1270

Re: cost basis of house

Thanks, everyone. I should probably have stated my question differently: I have a list of improvements to the house and what they cost. If I were to sell the house, I assume the cost basis would be my purchase price plus the buying costs plus the price of the improvements (assuming for the sake of ...
by IMO
Sun Sep 08, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3542

Re: Going desktop-less?

No desktop since 2009. We have 2 i7 HP Elite X2 1012 G2 laptops with 16gb RAM and 1 TB SSD drives. Bought them as demo models on eBay for $600 each. Perfect machines for all uses except hardcore gaming. Which we don’t do. Ironically my kid just gave up his gaming laptop and built a gaming desktop b...