Search found 2498 matches

by DrGoogle2017
Tue May 14, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

There are people who keep track of their networth every year, they would notice a loss. But if I put the value of my purchase price of my house, I would be sad, it’s a very small amount. So I suggest getting real, if you have money in the stock market, you will suffer volatility, you will suffer temporary loss, nevertheless it’s a loss.
by DrGoogle2017
Tue May 14, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

Haha, reduction in value meets loss(kettle meets pot kind of thing). Fancy way of saying to reduce hurt feelings. I say a loss is a loss and get over it.
by DrGoogle2017
Tue May 14, 2019 10:17 am
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 6249

Re: refusing inheritance

Regifting comes to mind. Just don’t make a big deal about not accepting the inheritance. Parents must have read the same book I’ve read.
by DrGoogle2017
Tue May 14, 2019 9:46 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 14710

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Yes, and I’m working to arrange my finance to make it even safer. I have not withdrawn any money yet. That money is possibly for very long LTC, that’s the only unknown so far.
by DrGoogle2017
Tue May 14, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

Flashbacks here, the same thing can be said back in 2007, I was wondering what people said here back in 2007.
by DrGoogle2017
Tue May 14, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 3972

Re: pre-qualified to get on the list

I’m surprised that Escondido is that expensive, I looked at Redfin and the prices are way below the listed price above. Granted this is a brand new home but still. It’s priced way above the local market.
by DrGoogle2017
Mon May 13, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 6671

Re: Careers in art

My kid thought an MBA at a decent top 15 schools is a step down, I have offered to pay for 2 years MBA at such institution, but she turned me down. She maybe right, her friend is doing an MBA at top 15 and is thinking of quitting. She was a math major for undergraduate.
So I say let them follow their passion, but they must be aware there’s a term starving artist for a reason. Few can be super successful, but not the average.
by DrGoogle2017
Mon May 13, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 6671

Re: Careers in art

I didn’t know creative types often have ADD. I have ADD, but not sure I’m truly creative. I do like to do arts as a hobby. I don’t think I would earn anything as an artist. I’m too impatient. Get frustrated easily. But I have one kid who is in the creative field, let’s say she’s not super successful, not yet, but maybe if she keeps at it, she might be. She has the personality, pretty determined about her art. Her business partner’s spouse has degree in animation, decent artist, was laid off for a few months now. I did their tax for one year and she was making less than $40k a year. Graduated from UCLA/USC type of school for about 6 years. But to be really fair about this whole artist thing, both kids, mine and her friend, came from well to ...
by DrGoogle2017
Mon May 13, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

I think more pain is coming. I just love the volatily. I did buy in Dec, vti at $119.
by DrGoogle2017
Mon May 13, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 39
Views: 4408

Re: Best month to visit London?

Just don’t go to Kew garden in August, it was very hot and humid, especially the hot house that grows Jack fruits.
by DrGoogle2017
Mon May 13, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 18089

Re: What is your U.S./ex-U.S. stock allocation?

It varies, it’s zero right now, I mean zero ex-US allocation. Edit for clarity.
by DrGoogle2017
Mon May 13, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: Dip Day!

Sandtrap wrote: Mon May 13, 2019 12:26 pm There might be a "super double dip" in 4 days that will make this dip look like a blip.
So a better dip day is to be had in 4 days.
. . . .
maybe. . . . :shock:
I hope so, I will be buying more.
by DrGoogle2017
Mon May 13, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

willthrill81 wrote: Mon May 13, 2019 10:35 am This could turn out to be a "really bad day."
slickwillbo wrote: Fri Jul 01, 2016 9:56 am A livesoft-defined RBD meets all of these criteria:
1) VFINX drop of 2.5% or more
2) Drop greater than the 4th largest drop within the previous 150 days
3) Not a Friday
But I frankly don't care. We're going on a picnic in a lilac garden in full bloom this morning with our daughter and parents. It should be a really good day for us. :D
Very nice I love lilacs.
by DrGoogle2017
Mon May 13, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

DrGoogle2017 wrote: Mon May 13, 2019 10:34 am
J G Bankerton wrote: Mon May 13, 2019 7:50 am
TheTimeLord wrote: Mon May 13, 2019 7:34 am
J G Bankerton wrote: Mon May 13, 2019 7:30 am Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused
When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell.
I'm in a 51% marginal tax bracket, see SS hump tax, I can never sell. :annoyed
I'm staying the course, my next VTI limit order executes at 144.
I bought some more this morning at $144. Set my limit order at $143.50 now.
Got some at $143.50. I set 3 targets now, $143.25, $143.00,$142.75.
by DrGoogle2017
Mon May 13, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 12531

Re: What non frugal things save money?

I bought some peony bulbs recently, save money, no, but if they bloom, it will save our sanity from the Ho hum of looking at pink blooms everywhere. I need some diversity in my flower garden.
by DrGoogle2017
Mon May 13, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

J G Bankerton wrote: Mon May 13, 2019 7:50 am
TheTimeLord wrote: Mon May 13, 2019 7:34 am
J G Bankerton wrote: Mon May 13, 2019 7:30 am Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused
When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell.
I'm in a 51% marginal tax bracket, see SS hump tax, I can never sell. :annoyed
I'm staying the course, my next VTI limit order executes at 144.
I bought some more this morning at $144. Set my limit order at $143.50 now.
by DrGoogle2017
Mon May 13, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 8252

Re: When did you realize it wasn't enough?

I never worried about not having enough because my family survived in the Bay Area on $25k(2003) plus mortgage payment. Nobody noticed any problem. Even today my kids told us they were not aware of it. We vacationed, the kids had dance and music lessons. We ate well. We paid for our own health insurance even. Once you have a control of your expense, you can retire.
I could retire 20 minutes from where I am with 20% less in housing. So there’s a lot of slacks to manage.
by DrGoogle2017
Sun May 12, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2907

Re: Backpacking/study abroad for young folks

My kid did a summer study abroad(the summer after freshman year) in Paris for language and in London at a Kings college(I believe) something to do with spy and encryption. When she was in Paris during Tour de France, she travelled around France to see follow them in real life. She’s now more knowledgeable about Paris then I am. In London, she used the bus to get around between studies, that’s if she did any. Wonderful experience if you can’t do the whole year or the whole semester abroad because of your study program. She was in Computer Science/engineering, she couldn’t afford to miss one semester, plus the years after sophomore year are for internships. After college, she also delayed starting her job for 3 months so she could backpack in...
by DrGoogle2017
Sun May 12, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 39
Views: 4408

Re: Best month to visit London?

Valuethinker wrote: Sun May 12, 2019 10:19 am
DrGoogle2017 wrote: Sun May 12, 2019 8:14 am I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January.
Maybe it's a settled immigrant thing.

But I haven't been inside Harrods in 20 years. Is it nice?

John Lewis on Oxford Street? Yes. Fortnum & Mason's food hall? Yes.

Harrods? No. I hate the whole Knightsbridge area - tourist trap.
It was years ago, where I discovered lots of stuff I didn’t know that they even existed. I haven’t been back recently since I retired, we don’t buy fancy stuff anymore.
by DrGoogle2017
Sun May 12, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 12531

Re: What non frugal things save money?

I bought LeCreuset bakeware once, or twice, or maybe three times I had to return because they cracked under pressure. Luckily I kept the receipt. Never get fooled by buying brand name items. They didn’t test it under extreme condition, I did.
by DrGoogle2017
Sun May 12, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 39
Views: 4408

Re: Best month to visit London?

neilpilot wrote: Sun May 12, 2019 10:00 am
DrGoogle2017 wrote: Sun May 12, 2019 8:14 am I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January.
OTOH you can often find a cheap airfare on the actual holiday day. The last time we flew back from Europe (Barcelona) on Christmas day, not only was our ticket cheap but we were comped into Business class.
Good idea if I can convince my husband to skip celebrating Christmas Day. He will look at me like I was growing horns. The whole point of going to UK for Christmas season was to spend the holiday with his mom and dad, not to skip Christmas Day.
by DrGoogle2017
Sun May 12, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 39
Views: 4408

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January.
by DrGoogle2017
Sat May 11, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 39
Views: 4408

Re: Best month to visit London?

I like June/July. I was in May once and it was raining almost every single day. I don’t mind tourists.
by DrGoogle2017
Sat May 11, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 5420

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notification. Unfortunately there is no way to do this online, in spite of me making fun of them for it each time I call. 2) bring at least one backup ATM card ATM card as in Debit Card? Not all ATM cards are debit cards. Debit usually refers to the ability to use the Visa/Mastercard network for purchases and debit card cash advances. Thanks. I am a bit old school and have not used an ATM machine since I don't know. What are the safest ATM cards to use...
by DrGoogle2017
Sat May 11, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 2474

Re: Fed Employee/Retirement Issues

I believe my husband submitted his paper about 6 months ahead, no break in health insurance, as long as you have an annuity, you get to keep health insurance. But let’s just say everybody was pretty clueless about everything. So give plenty of time, don’t cut too close.
by DrGoogle2017
Sat May 11, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 2139

Re: Chase Premier Plus Checking - How to earn maximum interest?

I have regular checking account, no fee, you only need to keep $1500. I used this account to get money out of ATM abroad, didn’t want large balance since any crooks can get a hold of it for some reason. Now I just use Penfed for ATM abroad.
by DrGoogle2017
Fri May 10, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 8260

Re: Continue working for benefit of adult children or retiring earlier?

I would do it in my 30s, 40s, or even 50s, but I definitely won’t do it after age 60. But I know my siblings are working in their early 60s to help their kids. Their kids are not self sufficient yet, still a drain to their savings if they don’t work. Healthcare is not a problem. Plus the young wife is too young to retire, she has strong work ethics, only 53, he is 60.
by DrGoogle2017
Fri May 10, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

I must be the idiot, I’ve been buying, just nibbling though.
by DrGoogle2017
Thu May 09, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

LOL, this board never has discussions about kids with A- averages, 1200 SATs, who played varsity baseball but weren't state champs and who only volunteered at the soup kitchen 3 days a week! Everybody's kid is above average, here: WAY above average. This discussion is always fun, but in the real world it is relevant to a very small percentage of the population. My kids are ahead of the curve compared to their peers locally, but (at 7 and 4), I can all but guarantee this discussion is not relevant to them. stoptothink, 1) To be the national merit commended student, you need to be the top 32,000 out of 1.6 million = top 2%. 2) National Merit Semi-finalist = Top 16,000 = top 1% 3) National Merit Finalist = Top 7,500 to Top 8,000 but it is sta...
by DrGoogle2017
Thu May 09, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 7203
Views: 1413177

Re: What's Your Credit Card Rewards Strategy?

I got solicited for Virgin Airways credit card. I have a question about their companion ticket, is it to London only like British Airways or can you use it to somewhere else. To be clear the BA companion cert can be used to go other places than London (I used one to go to Amman a few years ago) but it does require you fly on BA metal from the US which means effectively you have to fly to/through London. The Virgin companion certificate would have the same limitation more or less. While I didn't see a limit that you had to use it from the US you do have to fly on Virgin metal and as far as I know all VS flights either fly from or to London so effectively the same deal except worse because VS flies far fewer places than BA. Also unlike BA yo...
by DrGoogle2017
Thu May 09, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 7203
Views: 1413177

Re: What's Your Credit Card Rewards Strategy?

I got solicited for Virgin Airways credit card. I have a question about their companion ticket, is it to London only like British Airways or can you use it to somewhere else.
by DrGoogle2017
Thu May 09, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

oldfatguy wrote: Thu May 09, 2019 2:23 pm
stoptothink wrote: Thu May 09, 2019 2:00 pm
He was the wrong ethnicity
Prop 209 prevents public institutions in CA from considering race or ethnicity.

https://ballotpedia.org/California_Affi ... 209_(1996)
UCs accept about 30-40% first generation kids too. Maybe that’s a backdoor for race or ethnicity. Look at which regions have more educated immigrants.

https://www.pewresearch.org/fact-tank/2 ... -the-rise/
by DrGoogle2017
Thu May 09, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

I’m just nibbling toward the bottom, bought some more again. I don’t know where it’s going but that’s my motto. I may double my buying program as it dips more.
by DrGoogle2017
Thu May 09, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

Vulcan wrote: Thu May 09, 2019 9:32 am
DrGoogle2017 wrote: Thu May 09, 2019 9:24 am USC and the UCs are getting much harder to get in now. The people in the know(as working in admission) said both of my kids would not be accepted today, let alone getting half tuition.
What were their stats when they were admitted?
2008, SAT was 2300+, uw GPA was 3.7, NMF, 10 APs, one tough sport, several leadership positions, high school was a tough one, USC likes this high school. Got Regents at UCI.

2013, SAT was 2350+ uw GPA was 4.0, no NMF, 10 APs, applied to engineering, one not so tough sport, one musical activity, one non significant leadership position in senior year, high school not as tough as her older sister. Summer program at MIT. Got Regents at all lower and mid tiered UCs.
by DrGoogle2017
Thu May 09, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

USC and the UCs are getting much harder to get in now. The people in the know(as working in admission) said both of my kids would not be accepted today, let alone getting half tuition.
by DrGoogle2017
Thu May 09, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 42
Views: 4697

Re: Houseplants

ZZ plant has shiny new leaves, a beautiful plant. Light needs to be above otherwise it will spread out and not grow vertical.
by DrGoogle2017
Thu May 09, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651038

Re: U.S. stocks in free fall

I bought some more less than 146. Nibbling my way to the bottom.
by DrGoogle2017
Wed May 08, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

Vulcan wrote: Wed May 08, 2019 4:40 pm
Vulcan wrote: Wed May 08, 2019 4:31 pm (younger one just got to MathCounts Nationals and won full tuition scholarship to state flagship - in 7th grade; elder is USACO Platinum (~top 50 of all high schoolers in the country) and USAPhO Silver Medalist (top 90 of all high schoolers in the country))
In fact, this combination of achievements is so rare that I have just effectively de-anonymized myself
My kid has a professor that is in a genius category in math. I believe he graduated with very high GPA from MIT or something similar. He’s not a great professor. Too smart has problem too. Teaching space is too fast. Great for research though.
by DrGoogle2017
Wed May 08, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

My first job after college I worked with a lot of MIT people, the company was started by an MIT guy. Fast forward, I heard nothing from those people, except some became professor Princeton. Yeah, he went to Yale for undergraduate. But lately my co worker who went to grasp Penn State was in the news, yes, not Penn the Ivy League, but Penn state. Go figure. I didn’t think he was bright in the first place, he asked a lot of dumb questions too. That’s my anecdote for this thread.
by DrGoogle2017
Wed May 08, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 3972

Re: pre-qualified to get on the list

Last time they did this in my area, it was a precursor to the housing bubble, I refused to list my assets. It’s like telling them, they can raise price on me because they know how much you have. Oh no, I’m not that stupid.
by DrGoogle2017
Wed May 08, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

I'd also like to point out that there are non-Ivy, private schools that cost just as much as an Ivy, and can be just as strict about only providing "need based" aid. It's not just the top ten schools either. So I think planning for the most expensive private colleges, if you can, and within the parameters of being a responsible, frugal, forward looking parent who is not depriving the kids of experiences in childhood as a result , will allow you the most flexibility later on. And even "close enough" gives you options. Please note: although we are pretty good super-savers and planners, we will have "full pay public school" money in the 529s, not "full pay private" money. So our kids will be faced with ...
by DrGoogle2017
Wed May 08, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 141
Views: 16004

Re: Imperfect market timing still works -- if you stick with it

TheTimeLord wrote: Wed May 08, 2019 10:33 am
DrGoogle2017 wrote: Wed May 08, 2019 10:07 am I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
The market closed at 2,673.61 on the last trading day of 2017 and close yesterday at 2,884.05 so 2,884.05/2,673.61 = 1.0787 or a gain of 7.87%. I think I heard the same comment but I believe he said February 2018 instead of January. The market had a run up in January of 2018 and closed at 2,821.98 on Feb. 1, 2018.
Thanks for clarifying, I was half asleep when I listened to his comment, hence I was not sure.
by DrGoogle2017
Wed May 08, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 141
Views: 16004

Re: Imperfect market timing still works -- if you stick with it

Ged wrote: Wed May 08, 2019 10:34 am
DrGoogle2017 wrote: Wed May 08, 2019 10:07 am I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
Suppose I pick Jan 1 2012 to yesterday. I get 224%. Not including dividends.
Why not pick 2009, why 2012, your gain will be more impressive.
by DrGoogle2017
Wed May 08, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 141
Views: 16004

Re: Imperfect market timing still works -- if you stick with it

I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
by DrGoogle2017
Wed May 08, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 42
Views: 4697

Re: Houseplants

I have fiddle leaf fig and ZZ plant. Pretty hardy. Peace Lily is nice but droops if you don’t water it. In fact, that’s when you know to water it.
I also have lots of orchid plants, they are so hardy, I ignore it, it will bloom, it will bloom 4-5 months. I bought one in December and it’s still blooming.
by DrGoogle2017
Wed May 08, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

That’s another extreme comment, the no do-over one. It’s the kind of comment that drives some parents crazy, hence we saw a lot of bribery to get some kids in a certain college. There is no such thing in America.
Look at the following list, the cream of the crop in wealth, Michigan and Yale are virtually the same.
https://www.timeshighereducation.com/st ... university
by DrGoogle2017
Tue May 07, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 9861

Re: How much do you donate?

1-5% every year.
by DrGoogle2017
Tue May 07, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2931

Re: What’s in your pocket?

You don’t want to know. I have everything under the sun. it’s not a pocket, it’s a purse thought. It’s sort of like my memory bank. I search there first before I search my house. Never lost a car key ever.
by DrGoogle2017
Tue May 07, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 18039

Re: College Expenses

SrGrumpy wrote: Tue May 07, 2019 11:39 am
KlangFool wrote: Sun May 05, 2019 12:45 pm
Bingo! My daughter studied at VCU of Richmond, VA. She had to walk past many homeless people on her way to classes. It was a life-changing experience for her.

KlangFool
Should have sent her to USC in downtown Los Angeles, homeless capital of USA. Hopefully it would have been life-changing, rather than life-ending. [And yet people lied and paid millions to get their kids into that second-rate place!]
I think you are wrong. The bums in California do not like USC, they prefer nice area like Santa Monica.
by DrGoogle2017
Tue May 07, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 121
Views: 14963

Re: Gardening 2019

I plant garlics to keep the thiefs out of my garden, they smell so bad, they don’t bother to come close. Onions and garlics are so prolific around here. Yesterday, I picked a bunch to go with my paella.