Search found 22 matches

by MatSci
Sun Apr 12, 2015 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 17107

Re: Household Gross Income Poll

I find these polls to be fairly useful. I am making two assumptions, which I cannot prove are valid, but I suspect are likely to be true: 1) People here are unlikely to lie on an anonymous poll, because it accomplishes nothing, and most people who sign up here do not seem to be 'griefers' that like ...
by MatSci
Sat Feb 21, 2015 4:58 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 8914

Re: Prom budget for teenage girl?

Well, the Bogleheads are nothing if not predictable. The OP said that stories of $14 dresses and $25 dollar budgets were not realistic, so he gets a bunch of stories and advice that raise the cap all the way to $100. For those not in the know, the average prom expense hit a peak in 2013 at $1139, ac...
by MatSci
Sat Mar 15, 2014 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 38014

Re: Job Offer Negotiation / Interview Snafu

Regarding current salary info, a prospective employer can probably get the information directly from a data broker. They do not need to go through you or your current employer. Before one recent job interview, I was asked to complete an application and sign a form permitting them to do an exhaustive...
by MatSci
Mon Jan 28, 2013 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 33621

Re: Two Comma Club

I remember those days! When we got married, my folks gave us a check for $1,000. We were so happy to have a comma. I was a starving Grad student at the time who worked part-time and had some GI Bill money coming in. Wow, you were rolling in dough! We got $100 from my mother and $100 from her parent...
by MatSci
Mon Nov 19, 2012 9:16 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 20777

Re: [merged donation threads] Dear Bogleheads - time to pony

I am a bit late to the party, but I would like to make a donation. The link to Paypal generates an error for me: "Some required information is missing or incomplete. Please correct your entries and try again." I have cookies enabled. I can send a check, but Paypal would be easier. Anyone ...
by MatSci
Sun Nov 18, 2012 6:36 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 20777

Re: [merged donation threads] Dear Bogleheads - time to pony

I am a bit late to the party, but I would like to make a donation. The link to Paypal generates an error for me: "Some required information is missing or incomplete. Please correct your entries and try again." I have cookies enabled. I can send a check, but Paypal would be easier. Anyone e...
by MatSci
Sat Aug 11, 2012 3:48 am
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6083

Re: DIY Radiant Barrier in attic?

The radiation barrier would be more effective if you could put it on top of your roof instead of the interior attic surface. The problem here is that radiative transfer between two surface is proportional to the difference of the two surface temperatures to the 4th power (T1^4 - T2^4). At 5800K, the...
by MatSci
Tue Jul 31, 2012 12:15 am
Forum: Personal Consumer Issues
Topic: Muffling the sound of central air outside unit
Replies: 36
Views: 8565

Re: Muffling the sound of central air outside unit

The compressor blanket that others have recommended sounds like a good approach, if you can get your neighbors to agree to it. Building a sound wall is not trivial. Any gaps in the structure will render it useless. Dense, heavy materials tend to be more effective than lightweight materials. Light, o...
by MatSci
Sat Jul 28, 2012 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about my home energy audit
Replies: 131
Views: 12410

Re: Questions about my home energy audit

No matter what work (if any) you decide to pursue, I would not let this contractor anywhere near your house. At a minimum, he looked you in the eye and lied to you about the CO from the car, the special CO detector, and the exploding water heater. Someone who will lie to you about these things is li...
by MatSci
Sat Jul 28, 2012 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with my parents
Replies: 44
Views: 4003

Re: Dealing with my parents

I think the posters suggesting that you divorce your parents are being too extreme. The solution to every problem or difficulty can't just be to throw up your hands and say "I quit". Having said that, this may not be a situation that can be completely fixed to your satisfaction. You cannot...
by MatSci
Sun Nov 14, 2010 4:45 pm
Forum: Personal Consumer Issues
Topic: "A Random Act of Culture" in Philadelphia
Replies: 3
Views: 1090

TJAJ9 wrote:Wow, that was extraordinary! :thumbsup


Indeed! Both the choirs and the Wanamaker were quite impressive.
by MatSci
Mon Oct 25, 2010 8:11 pm
Forum: Personal Consumer Issues
Topic: Dan Neil in WSJ: Chevy Volt a success
Replies: 334
Views: 33582

The Volt is an interesting vehicle, but GM is targeting 60,000 units in 2012. This is up from the initial estimates of 10-15k. Total U.S. new car and truck sales are about 11 million per year, so the Volt sales are a drop in the bucket. The car is clearly aimed at early adopters who get pleasure fro...
by MatSci
Mon Oct 25, 2010 3:39 pm
Forum: Personal Consumer Issues
Topic: Hypermiling: The Art of Squeezing MPGs
Replies: 184
Views: 20935

I think George Carlin got it right with this observation: "Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?" He has some other insights that are accurate, if not phrased too delicately: "Here's one of those things yo...
by MatSci
Tue May 25, 2010 12:13 pm
Forum: Personal Consumer Issues
Topic: Chemical Engineering Meets Economics: wage distributions
Replies: 18
Views: 2543

Also why stop with CEO's? What about athletes and coaches? They make way more than the average fan does... so can't we determine what fair really is based on some statistics and demand they get paid half of what they currently do? At least take that from them and give it to less fortunate people......
by MatSci
Tue May 25, 2010 2:39 am
Forum: Personal Consumer Issues
Topic: Chemical Engineering Meets Economics: wage distributions
Replies: 18
Views: 2543

An interesting analysis. The authors comment "It is also instructive to note that, in 2006, according to The Wall Street Journal [36], the average CEO pay ratio was about 11:1 in Japan, 15:1 in France, 20:1 in Canada, and 22:1 in Britain, which are not that far off (compared to the U.S. ratios)...
by MatSci
Sun Apr 04, 2010 3:12 am
Forum: Investing - Theory, News & General
Topic: Baker who won £9m on lottery dies penniless, five years on
Replies: 57
Views: 7922

I agree with the previous comments that the majority of people who win the lottery do just fine. Those who don't often have pre-existing problems that continue or are magnified after the win. Some of the others who run into problems have a tough time grasping how little money they actually can spend...
by MatSci
Tue Mar 09, 2010 4:39 am
Forum: Personal Consumer Issues
Topic: Formula One
Replies: 113
Views: 15025

A possibly apocryphal quote from Hemingway: Auto racing, bull fighting, and mountain climbing are the only real sports ... all others are games. On the topic of physical exertion of racing drivers, this has been studied, you don't have to speculate on it. Heart rate and oxygen consumption (VO2) are ...
by MatSci
Sat Jan 30, 2010 2:14 am
Forum: Personal Finance (Not Investing)
Topic: PBS-Frontline…”The Card Game”
Replies: 27
Views: 4429

One problem with ignoring the credit unions and their FICO scores is that the score now can affect other parts of your life. Some insurance companies base rates on FICO scores since they have found that high scores correlate to lower payout risk. Many companies also pull credit records to evaluate p...
by MatSci
Sun Dec 06, 2009 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: To Act Like the Rich, Be Frugal
Replies: 74
Views: 12180

A couple of thoughts after reading the comments here: 1) The plural of anecdote is not data. 2) Few people seem to have actually read the article before commenting. The authors do not claim that there are no high income millionaires, or that there are no millionaires living in expensive houses and d...
by MatSci
Sun Oct 18, 2009 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: New ways of measuring risk tolerance
Replies: 39
Views: 6212

I think people try to ask more of the M-B test than it can really provide, but equating it to astrology is going too far. There is genuine insight that can be gained from the test. Certainly you can game the test if you want to change the outcome, but the assumption is that you will answer the quest...
by MatSci
Sun Jul 05, 2009 3:08 pm
Forum: Personal Consumer Issues
Topic: Solar Cells
Replies: 2
Views: 749

There has been a confluence of several factors that are driving down prices. 1) Conventional crystalline solar cells were constrained by limited raw material (polysilicon). A large amount of additional polysilicon production capacity came on line in the last year or two, which significantly reduced ...
by MatSci
Wed Mar 04, 2009 9:47 pm
Forum: Personal Consumer Issues
Topic: Twin Peaks: Household Debt Vs. GDP (The problem is us)
Replies: 57
Views: 13918

A similar graph of debt vs. GDP with some discussion is available at the end of this pdf document.

www-dot-hoisingtonmgt-dot-com/pdf/HIM2008Q3NP-dot-pdf
(Edit the dots. Can't post links)