Search found 986 matches

by GCD
Mon Oct 07, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7313

Re: First car for child

Most of the important safety improvements in vehicles (Anti-lock Braking Systems (ABS) Electronic Stability Control (ESC), airbags, passenger compartment crash integrity, etc..) have long been available in most/all models. To imply that only new vehicles with imaging, radar and AI based warnings an...
by GCD
Sun Sep 15, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 9994

Re: Minivan Vs SUV Experience

Deleted.
by GCD
Mon Sep 09, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3088

Re: no idea - bourbon

I drink bourbon straight and occasionally over ice. I do appreciate the different subtleties. With that said, I would cook with the cheapest bourbon available.
by GCD
Sat Aug 17, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18700

Re: Selective Colleges

Philosophy may be an excellent major, but in and of itself, it leads directly to virtually no career paths. Just because there is no such thing as a “Professional Philosopher” does not mean there are no direct career paths. I happen to be an undergrad Philosophy major who went on to law school. I d...
by GCD
Sat Aug 17, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18700

Re: Selective Colleges

What you just stated is in direct opposition to the “majors are what matter” thesis being peddled above. I think you are convinced majors don't matter because you got a Philosophy degree and are doing better than a family member who got a degree in Engineering - traditionally thought to be a higher...
by GCD
Sat Aug 17, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18700

Re: Selective Colleges

I hope to provoke some discussion. Thanks for reading. Nice essay, but this thread is going to go all over the place unless you specify the topic a bit. What do you want to discuss? Just latching on to one thing, I have always been struck by the difference in prestige and education. How schools are...
by GCD
Wed Aug 14, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3224

Re: Dishwasher Fiasco

BLS has them in the top 10 in 2017. https://www.bls.gov/news.release/pdf/cfoi.pdf No they do not. A power company lineman is very different from an electrician. Well it's a broad category. Despite the fact that airline pilots are in a very dangerous profession, I'm sure Delta Airline pilots may hav...
by GCD
Wed Aug 14, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3224

Re: Dishwasher Fiasco

BLS has them in the top 10 in 2017. https://www.bls.gov/news.release/pdf/cfoi.pdf
by GCD
Wed Aug 14, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3224

Re: Dishwasher Fiasco

Electrical is hard to mess up badly. Since you do your own work, I'm glad you're competent. But wiring problems are a top ten cause of house fires and electricians are usually found in the top ten list of deadly professions. Where exactly they end up depends on the year and the organization collect...
by GCD
Wed Aug 14, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3341

Re: Anyone been to a Kevin O'Leary event???

I went to an event about 2 weeks ago with my spouse who is a big Sharktank fan. Don't waste your time. The event lasted 3.5 hours. Mr. O'Leary did not come out until the last half hour, he was entertaining but the first 3 hours were brutal. First was someone trying to convince people to sign up for...
by GCD
Tue Aug 13, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 9834

Re: Breakfast Menu After Retirement

My norm is about 1/4 of a box of Fruity Pebbles, unless I'm having Pop-Tarts. I usually put whole milk on it, unless I run out and have to use my wife's fat free milk. That stuff is like white water.
by GCD
Sun Aug 11, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15487

Re: What is your hobby and how did it come to be your hobby?

For Bullseye I switched over to a red dot, everyone is using them, even the youngsters. I actually prefer iron sights, but find the red dots are great for Bullseye and Speed Steel. I despise red dots. I think they were just invented for people who can't learn to shoot with irons. Probably what grum...
by GCD
Fri Aug 09, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10435

Re: Healthy fast food

I was going to recommend Koo Koo Roo, but remembered I hadn't seen one in awhile. Upon checking I discovered they are defunct. So sad. This was fast food at its healthiest. It was an LA based restaurant and really awesome and quick.

RIP Koo Koo Roo.

https://en.wikipedia.org/wiki/Koo_Koo_Roo
by GCD
Fri Aug 09, 2019 12:29 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15487

Re: What is your hobby and how did it come to be your hobby?

BITD (back in the day), I started with competitive NRA Bullseye (Olympic Sport type), then IPSC and IDPA when it became popular. The highest classification I was able to achieve was "B" class. However, many years ago, failing eyesight and physicality (aging) prevented me from continuing at a decent...
by GCD
Mon Aug 05, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Daycare does not allow staff to babysit
Replies: 21
Views: 1745

Re: Daycare does not allow staff to babysit

Lots of businesses have non-compete clauses in their employment contracts. What is the total language? Is this explanatory or is it meant to be restrictive in itself?
by GCD
Mon Aug 05, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7592

Re: Financial anxiety and next steps in relationship

I'll stay out of the relationship stuff, but I want to re-emphasize that you have to dial down on the PSLF details. Back in the early 90's I took out a lot of student loan debt thinking that I would qualify for it to be forgiven. It turned out I had the wrong kind of loans. Those loans, by the time ...
by GCD
Mon Aug 05, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Is a 300/500 car policy truly enough?
Replies: 54
Views: 4976

Re: Is a 300/500 car policy truly enough?

From what gathered on a quick Google search, government retirement plans like the TSP are not ERISA qualified, and therefore subject to creditors. I also assumed our house would be subject as well, in which we have about $90k of equity. Don't worry, you're good. The legal principle under ERISA is t...
by GCD
Thu Aug 01, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Don't store stuff in trash bags.
Replies: 19
Views: 2469

Re: Don't store stuff in trash bags.

I have a 1 year rule for stuff. If I haven't used it for a year, it goes. While generally a good rule for clothing, etc., I find there are a lot of exceptions. I'm retired and still own a suit. I suppose someday my kids will get married or graduate from college. Someday my mom and in-laws will die....
by GCD
Thu Aug 01, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15231

Re: Why won’t anyone hire me?

There's a link in the Uber thread to a Mr. Money Mustache article where he debunks the profitability of being an Uber driver. Primarily because people don't include wear and tear on their car as an expense. It sounds bad, but what do I know. I just took it on faith that his numbers are right. Howeve...
by GCD
Thu Aug 01, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11120

Re: A note on spending for kids

Absolutely. Here is an article from 2008 that lays out the dismal prospects for getting a college athletic scholarship. Most parents would be better off putting the private coaching money into a 529. Athletics should be viewed as an activity that is intrinsically enhancing rather than as a mechanism...
by GCD
Thu Aug 01, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: financial to-do checklist for federal employees?
Replies: 36
Views: 1511

Re: financial to-do checklist for federal employees?

I also agree with checking the price on the life insurance. When I was younger, getting a 20 year term was significantly cheaper than the FEGLI. The advantage of FEGLI is if you had health issues that would prevent you from getting a policy on the outside, or maybe it would be prohibitively expensi...
by GCD
Thu Aug 01, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15231

Re: Why won’t anyone hire me?

don't underestimate the power of being articulate and reliable in these kinds of fields. Handymen, maids, etc. are notorious for not showing up when they will, having the work drag on, etc. I knew a recruiter in Minneapolis who said if you have a college degree, can compose something coherent that'...
by GCD
Thu Aug 01, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15231

Re: Why won’t anyone hire me?

I thought about suggesting Uber, but per the ongoing thread on Uber I have discovered that they often don't make all that much. Have you considered other opportunities to be self-employed? Our maid quit Molly Maids about 2 years ago and has been with us ever since. She is fantastic and keeps a clien...
by GCD
Thu Aug 01, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Favorite Lunch Box or Bag
Replies: 22
Views: 1148

Re: Favorite Lunch Box or Bag

Back in the day, one of my friends had a Jonny Quest lunchbox. I was greatly envious. I had a Scooby Doo lunchbox and by the time next year came around Jonny Quest lunchboxes were not available. For the record, Jonny Quest was the best cartoon ever.
by GCD
Thu Aug 01, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: Are You Rich?
Replies: 31
Views: 3351

Re: Are You Rich?

No. Way too many variables they haven't included. They need to define their terms too.
by GCD
Wed Jul 31, 2019 9:59 pm
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3286

Re: Pay off $17k student loan or max out 401k this year?

What are your federal and state tax brackets? Are you able to deduct the interest on the student loan? Who cares? I think you are overcomplicating this. OP sounds young. Get it done. I don't mean to come off antagonistic. I just think that sometimes on here there is a lot of slicing and dicing of m...
by GCD
Wed Jul 31, 2019 9:55 pm
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3286

Re: Pay off $17k student loan or max out 401k this year?

Always max the retirement contribution. Preferably do both at the same time. Your best bet is to do both. The way you should approach life is pay off debt AND save for financial independence (not necessarily retirement) and let the remainder of your money dictate your lifestyle. Your savings and deb...
by GCD
Wed Jul 31, 2019 8:55 pm
Forum: Personal Investments
Topic: "How active management survives"
Replies: 26
Views: 3747

Re: "How active management survives"

Among this months links: this research paper (see below) on the behavioral drivers behind why some people stick with active management. It's often based on a belief that to get better results, the work has to be harder/more "active." The idea of passive/static, to them, seems counterintuitive. http...
by GCD
Wed Jul 31, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Does the cost of children actually go down once the daycare comes off the books?
Replies: 35
Views: 1878

Re: Does the cost of children actually go down once the daycare comes off the books?

I saw parents who paid thousands a year for sports teams for their kids and then had to take out loans for college. Not a choice I would make. Those parents were probably under the delusion that the kids would get a free ride to college on a sports scholarship. No excuse for that. The truth was bee...
by GCD
Wed Jul 31, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9224

Re: Bloomberg: Forget Tech, Medicine Still Pays More

I think the grass looked greener in the past. I know people in a variety of industries who's job now entails less independence, more oversight, more administrative duties and paperwork. That certainly describes medicine, but it also describes other industries as well. I know a family of doctors. The...
by GCD
Wed Jul 31, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does the cost of children actually go down once the daycare comes off the books?
Replies: 35
Views: 1878

Re: Does the cost of children actually go down once the daycare comes off the books?

Assuming you want to pay for college, you will need to save a chunk for that. How deep you want to go into athletics is up to you, but it can get costly. My kids are just starting to drive and there is added insurance for that. I would budget assuming no price break and be happy if you come out a li...
by GCD
Tue Jul 30, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6302

Re: What's your Uber passenger rating?

Godot wrote:
Tue Jul 30, 2019 1:54 pm
Just a matter of time before Boglehead.org starts rating posters.
Not likely. See Lady Geek's comment on page 1 in this thread.

viewtopic.php?f=3&t=107329
by GCD
Tue Jul 30, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6302

Re: What's your Uber passenger rating?

After reading this, I'll stick to cabs. I never liked Uber's silly theory that it's not a cab company anyway. And I've no desire to have to worry about the driver's apparently delicate sensibilities. " Oh, no, did I close the door a little too hard ?" " Did I make the right amount of conversation ?...
by GCD
Mon Jul 29, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4011

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

Until recently I lived in an apartment complex that forced connected home devices on tenants without our permission. I became involved with a group of security researchers investigating their hardware and the vendor they chose to manage these devices. What they found was horrifying. To drive the po...
by GCD
Mon Jul 29, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4011

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

And I wonder if the inventors of these products Eat Their Own Dog Food; that is to say, are they confident enough that they use their own products. Or do they merely invent, sell, profit, and walk away... I really do wonder... I'm at peace with simply doing the basics to secure myself... * Never ma...
by GCD
Fri Jul 26, 2019 11:12 pm
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 6987

Re: What to do in a crash

Looking back, I was down 12% in 2008 and up 29% in 2009. I just kept buying. Nothing fancy.
by GCD
Wed Jul 24, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: If you are already retired.. is this true?
Replies: 49
Views: 6109

Re: If you are already retired.. is this true?

That article is so moronic I don't know where to begin and I'm not going to either.

I am retired and just fine. That article. ugh. Sorry not to be more helpful, but I don't have it in me to write an essay on it.

Good luck.
by GCD
Wed Jul 24, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: 23andMe DNA Test - IRS Deductible
Replies: 2
Views: 509

Re: 23andMe DNA Test - IRS Deductible

That's interesting. Lots of unforeseen effects to come no doubt. Now that the IRS says 23&me counts as health care under one definition, I wonder if anyone will try to use that to bolster an argument that their DNA submission is protected by HIPAA disclosure rules?
by GCD
Wed Jul 24, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 5266

Re: Dogs and homeowners insurance company

Our agent remarked that insurance companies are getting very wary of dogs on the property. Certain breeds will either raise your rates or the company will not insure period... the company will likely either raise our rates or cancel us all together... Thoughts? Thoughts? Shop around and get the bes...
by GCD
Tue Jul 23, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 34
Views: 2454

Re: wine in cans

It's going to take some serious rave reviews in Wine Enthusiast before I pick up a can of wine again. Wine Spectator reviewed wines in cans. Ranged from 84-88. Ha. You can see I have paid little attention to wine in cans. OK, if I see one of the better rated ones I will reconsider. Thanks for the l...
by GCD
Tue Jul 23, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 5966

Re: Thank you notes,,, out of favor these days?

We send handwritten thank you notes and force our kids to send them too. I think it's a generational thing. Nobody uses the mail for anything anymore, why would a young person even think to use the US Mail for a thank you note when they don't use it for anything else? My kids would be happy to send ...
by GCD
Tue Jul 23, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 34
Views: 2454

Re: wine in cans

Inspired by this thread, I bought a 12 oz. can of red wine. Specifically "House Wine" the original red blend, product of Chile. This stuff was terrible. I managed 3 sips. My wife took one sip and declared that she wasn't going to help me with the rest. We aren't wine snobs by any means. We both like...
by GCD
Mon Jul 22, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting a life advisor business?
Replies: 25
Views: 1932

Re: Thoughts on starting a life advisor business?

And for low stakes stuff, people would be reluctant to pay an outside adviser anyways. Reading this got me thinking of a possible spin OP could use. Psteinx is right about what people would pay someone for low stakes advice, but what would relatives pay for someone to give low-stakes, obvious advic...
by GCD
Mon Jul 22, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Are you happy after retirement?
Replies: 41
Views: 5595

Re: Poll: Are you happy after retirement?

AFTER, all the constraints are gone, and I am living my Nirvana. This gives me an enormous satisfaction that I have made it, but also an overpowering sense of responsibility for my happiness. Yes. A greater awareness of "center", taking daily responsibility for and proactively remaining in "balance...
by GCD
Sat Jul 20, 2019 11:53 am
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10230

Re: Just sat through a wealth-management sales pitch.

A college friend of my youngest daughter (shortly after graduating from college) asked if I would be willing to have a face-to-face meeting with her to listen to, and provide feedback on, a sales pitch she was working on for a financial services firm she had recently joined. Said her boss "may also...
by GCD
Sat Jul 20, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: TSP 3-Funds or TSP Target Date Fund?
Replies: 57
Views: 3477

Re: TSP 3-Funds or TSP Target Date Fund?

Why do most people hold a 3 or 4 Fund portfolio in their retirement account and not a target date fund? Is it the higher fees for target date funds? Or other factors ? I don't agree with the AAs in the target date funds. My personal situation is not unusual, but sufficiently so that I prefer to set...
by GCD
Sat Jul 20, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Thoughts on starting a life advisor business?
Replies: 25
Views: 1932

Re: Thoughts on starting a life advisor business?

It strikes me that there are many people who need this service. They are also the kind of people who have little disposable income so I'm not sure a business can be built on this. However, people develop successful business models on stupid concepts all the time (not saying yours is stupid). People ...
by GCD
Sat Jul 20, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 981

Re: Greece...needed vaccinations?

I just want to add something about feral/loose/stray dogs and rabies. Here's an article about the threat overseas and it mentions a rabies pre-exposure vaccination. From the article, "canine rabies was eliminated from the United States in 2004, but it remains endemic in 122 countries." https://www.c...
by GCD
Fri Jul 19, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 981

Re: Greece...needed vaccinations?

Regarding seasickness treatments, I found that candied ginger was far cheaper than Dramamine. The active ingredient in non-drowsy Dramamine is ginger. The amount per dose is one gram. For about $5 you can buy enough candied ginger in bulk at Whole Foods Market to cover you for a year of daily sailin...
by GCD
Thu Jul 18, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employed baby: approach to taxes and investing
Replies: 11
Views: 2063

Re: Employed baby: approach to taxes and investing

2. Is using the net earnings correct for contributions in this case? Paychecks show the gross amount and breakdown by commission and net. The net amount after the agent's fees will be either W-2 compensation or 1099 business revenue. In both cases that is the correct number to use. Isn't it gross i...