Search found 571 matches

by getthatmarshmallow
Wed Jul 01, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 64
Views: 3820

Re: Elementary school in Fall - choose Virtual or In-person

I voted in-person, with masks. Kids around the world are back in school with masks. Our homeschooling experience was okay but the kids need interaction with classmates. And I worry for the kids who aren't as well placed as we were to manage learning at home.
by getthatmarshmallow
Wed Jul 01, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 101
Views: 6321

Re: I'm Buying a Boat...

I'm possibly the opposite of a boat person but it's easy to see that you can afford it. This board sometimes! It's not a cheap hobby but one can certainly make it work on far less money than the OP has. My next door neighbor (in my non spendy neighborhood) has a Four Winns something and he lives for...
by getthatmarshmallow
Sat Jun 27, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 181
Views: 10582

Re: Which College degrees are worthwhile?

I think it's mistake to focus on only the first job or to chase trends, but maybe I just knew a lot of out of work IT guys in 2000. Be tops at what you do and do whatever you want. If you're in the middle of the pack, do what you can to make sure you have both hard and soft skills when you leave col...
by getthatmarshmallow
Sat Jun 27, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11431

Re: What is the single best piece of exercise equipment you bought for your home?

On the e-bike debate: I'm really skeptical of the research that touts its fitness benefits as comparable to riding a regular bike. I have a commute with a few rolling hills that I regularly bike. A friend who lives nearby commutes it with an e-bike, which means he pedals on the flats, coasts downhi...
by getthatmarshmallow
Fri Jun 26, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 77
Views: 9416

Re: Getting your spouse on the same page

So consider that from your SOs perspective she married someone who spent money in a certain way, who has now done a 180 following the birth of their kid. My sympathies here are going to depend a lot on the details and the level of frugality to which you're aspiring. (If you're trying to make your ne...
by getthatmarshmallow
Thu Jun 25, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11431

Re: What is the single best piece of exercise equipment you bought for your home?

Does a bicycle count as a piece of exercise equipment for the home if you start your ride at home? I also enjoyed the Peloton subscription which I used this spring when it was free. I'm totally not buying a Peloton bike but I can see why people love it so much. On the e-bike debate: I'm really skept...
by getthatmarshmallow
Tue Jun 23, 2020 8:40 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

He’s asking to be an informed consumer. I believe that to be fair and give kudos. Thank you, thank you, thank you. I gave the example of my experience to find the charge for a simply PC visit at a satellite FM clinic and even the billing person took a few minutes to track that information down. I d...
by getthatmarshmallow
Sun Jun 21, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 35
Views: 3381

Re: Feminine Beauty Products - best bang for your buck?

CeraVe's day moisturizer is great -- light sunscreen, good for keeping away wrinkles. Sun damage is most of the problem. For acne, I'd see a dermatologist. It's just such a pain to troubleshoot when the results are on one's face. I am no help on nail polish as I can chip anything within about thirty...
by getthatmarshmallow
Sun Jun 21, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3078

Re: Daycare - paying to hold a spot

Different jobs are different but it's a fair generalization that most people don't work from home as well with small children about. OP, I'd keep paying if only you may have little notice when you have to go back to the office, and because with a toddler there's a likely point at which you'll need ...
by getthatmarshmallow
Sat Jun 20, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pandemic Updates: Retire this summer, with early retirement program, or work another academic year and a half
Replies: 40
Views: 4587

Re: Pandemic Updates: Retire this summer, with early retirement program, or work another academic year and a half

Can you negotiate the healthcare plan? If they're pushing early retirement they want to cut costs quickly so they might be willing to budge.

I'd weigh the risk of returning to the classroom and catching COVID,too. I'm expecting colleges to be their usual petri dishes in the fall.
by getthatmarshmallow
Thu Jun 18, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3078

Re: Daycare - paying to hold a spot

Different jobs are different but it's a fair generalization that most people don't work from home as well with small children about. OP, I'd keep paying if only you may have little notice when you have to go back to the office, and because with a toddler there's a likely point at which you'll need t...
by getthatmarshmallow
Wed Jun 17, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways
Replies: 20
Views: 1204

Re: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways

In the "You can't make this stuff up" column comes a recent insurance claim denial for a vitamin D test that showed our son was deficient in vitamin D. That particular diagnostic test is covered by our health insurance under "medical necessity" grounds, which essentially means there needs to be evi...
by getthatmarshmallow
Wed Jun 17, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13327

Re: Parents in a tough situation for retirement

I'm not following what the immediate problem is here. Your parents are not set up well for retirement, let alone early retirement. But that's been true for a while. They're both still working now. They're paying the mortgage while you get the equity. So - what's prompting this? The reason I'm asking...
by getthatmarshmallow
Sun Jun 07, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 66
Views: 7860

Re: How old is too old to buy a house?

My grandparents bought their (well, his) dream house in their early 80s. I don't see that there's an age limit, beyond the sensible questions of how one plans to handle maintenance, or what happens if one no longer can drive, etc.
by getthatmarshmallow
Fri Jun 05, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 44972

Re: College in fall

Trust me when I tell you this there are four words that EVERY college President is terrified of...are you ready?...You sure? Gap Year and Community College. Where I work all students will be on campus to start and will be tested. The plan is to send them home by Thanksgiving and then who knows what...
by getthatmarshmallow
Fri Jun 05, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 44972

Re: College in fall

Trust me when I tell you this there are four words that EVERY college President is terrified of...are you ready?...You sure? Gap Year and Community College. Where I work all students will be on campus to start and will be tested. The plan is to send them home by Thanksgiving and then who knows what...
by getthatmarshmallow
Wed Jun 03, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

IMO, this is the wrong area to cut corners. Pay them off if you want to free up cash flow, but it's likely not going to go well if you get to have a nice reliable car and she has to downgrade to an unreliable beater. If that means you can't manage the house purchase, then it looks like you probably ...
by getthatmarshmallow
Tue Jun 02, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 760
Views: 33623

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used

I disagree, because part of investing is managing one's behavior, and for many , DCA makes it less likely that they'll panic if the market drops after a big purchase. So it's not just mental accoutiny - more like a small fee for behavior insurance.
by getthatmarshmallow
Sat May 30, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7615

Re: Falcon 9 Launch to the International Space Station

I can't believe how anxious I was watching this with my kid, who is about the age I was when the Challenger disaster happened. Hurray!
by getthatmarshmallow
Thu May 28, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13773

Re: If Jeep has such poor reliability, how come they are everywhere?

So there's a Jeep cult like there is a Subaru cult? Is there something wrong with Subarus? My impression is that they rank pretty high in the automotive pecking order, perhaps right behind Toyota and Honda. Bland, slow, loud, and notorious engine oil issues. Cheapest way into an AWD car though. +1....
by getthatmarshmallow
Thu May 28, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

Other than policy tournaments for the debate team and teaching multiplication before the third grade, is there any consensus on what a good school is? Ha! Good luck defining "good school" and "middle class" on Bogleheads. Middle class is $450k a year income and a good school is top 10 in the state....
by getthatmarshmallow
Tue May 26, 2020 11:34 am
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7510

Re: Has anyone ever used their Emergency Fund?

Sort of? About seven years ago my husband quit his job and went to college. We cut expenses, and didn't tap into the emergency fund in the pay day-to-day expenses sense. But then in the space of nine months we had to buy two cars and had another baby, and it wasn't a big deal with a large cash allot...
by getthatmarshmallow
Sun May 24, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 9825

Re: Tips to stick to a weight loss diet?

1) Get a kitchen scale.
2) Download Chronometer to track calories. Enter everything you eat or drink.
3) Estimate a good caloric intake for your height, weight, and goals. Figure about a pound a week for sustainable weight loss.
4) Give it six weeks.
5) Reassess.
by getthatmarshmallow
Sun May 24, 2020 3:23 pm
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2880

Re: Businesses that are permanently destroyed due to COVID?

It's hard to say. I see COVID as more of an accelerant. Restaurants are going to fail, but statistically small restaurants fail most of the time anyway. Buffets might not be back, but they also don't seem to be as popular with younger consumers anyway. Major retailers were already losing ground to A...
by getthatmarshmallow
Sat May 23, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4518

Re: Bicycle Recommendation?

First thanks to all the content-laden responses, good stuff. Update, my local bike shop has ordered a "Square Taper Bottom Bracket Remover" for me. Going to repair and keep the ten-year old bike based on your feedback! Glad to hear it! Replacing a hybrid with another hybrid wouldn't net you much be...
by getthatmarshmallow
Sat May 23, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31311

Re: The axe falls and I am prepared. What's next?

Oh, Klangfool. I'm sorry to hear this but you'll be fine. If I were you, I'd find something to retire *to* quickly, or consult in IT. You don't need the money, but you need a purpose.
by getthatmarshmallow
Thu May 21, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1767

Re: Frequency of bike overhaul or tune up

A tune-up wouldn't hurt, but for a hybrid bike there's nothing they're going to do that you can't do yourself. From what you've said you're probably overdue to clean and lube the chain. Check the brakes and learn to adjust derailleurs (lots of YouTube videos.). That's most of it.
by getthatmarshmallow
Thu May 21, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2591

Re: Furniture for an infant in the living room

Don't use the Rock and Play. It's an inclined surface, a baby's head is heavy, and you're kidding yourself if you think you're going to supervise at all times in a manner that catches silent suffocation. Many people used it with no problem. Many people also survived riding on the window ledge of sed...
by getthatmarshmallow
Wed May 20, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Potential relocation, how concerned should I be with a 4/10 school?
Replies: 32
Views: 2603

Re: Potential relocation, how concerned should I be with a 4/10 school?

My kids' elementary school is a 3; he's in a magnet program and it's title I. It's also perfectly safe; the school's catchment area is working class, but stable. You'll have to ask around but greatschools seems to track property taxes more than educational quality.
by getthatmarshmallow
Tue May 19, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 44972

Re: College in fall

https://www.nytimes.com/2020/05/18/us/notre-dame-reopening-coronavirus.html It looks like Norte Dame is opening up for fall on August 10 for the fall semester, they are moving the start date up two weeks in order to finish the semester by thanksgiving. This seems a little short sided on decision ma...
by getthatmarshmallow
Mon May 18, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: College Student: The Lost Summer
Replies: 10
Views: 1743

Re: College Student: The Lost Summer

If she's an early ed major, she could nanny. But I'd say dream a little bigger. Every kid in this country has school cut short. Many are going to need help to prepare for next year. Can she Zoom tutor math? Can she teach little kids to read? Parents will pay to get kids caught up and/or ahead...
by getthatmarshmallow
Sun May 17, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7865

Re: Income about to be halved - what do we do?

You look to me like you're in good shape. I wouldn't pay off the mortgage as the liquidity will be more useful in the event that your situation worsens. Put enough into the 401K to get the match and throw the rest into savings. Either you'll be past this in a few months and you'll have extra cash to...
by getthatmarshmallow
Thu May 14, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2250

Re: Cheap Chromebook vs Laptop PC quality/options for child

I'd go with as cheap as possible. You're probably not going to upgrade a laptop (realistically), and if they're hard on them (being kids), might as well not be out too much. I'd go with 15", Chromebook, and not bother with a touchscreen. For what my kid (7) *needs* anything with a web connection is ...
by getthatmarshmallow
Wed May 13, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 44972

Re: College in fall

Cal State Univ (all 23 campuses in California) announced today that all their classes in Fall 2020 will be online, rather than dealing with the challenges of ensuring social distancing on campus. This affects half a million undergraduates. My son will be starting his senior year at a CSU in the Fal...
by getthatmarshmallow
Sat May 09, 2020 8:47 am
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6267

Re: College age kid wrecked his car...

No one's yet suggested that the kid should drop out of college so he can work extra to afford a car. You all disappoint me. :wink: OP, you might consider where your son is likely to end up after graduating. Lots of young people in the city don't bother with cars, and don't really use them, especiall...
by getthatmarshmallow
Fri May 08, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3306

Re: Is it worth buying an infant car seat for each car.

Yes. Yes. Yes. When my kids were infants we had the carrier style removable seat with a base for each car. Then, we decided to be frugal and have one set of seats. This led to swapping out seats all the time. Then I realized I was an adult who saves a high percentage of her income and could afford $...
by getthatmarshmallow
Fri May 08, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3305

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

Why doesn’t brother just take on the loan? At least for part of it. Maybe 50%? Make him put some skin in the game, instead of just giving him free college. Yes, this. Your brother has a 40yr career ahead of himself. He can take out loans for whatever amount would make cash flowing the rest comforta...
by getthatmarshmallow
Wed May 06, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1587

Re: Worth Buying a Used Phone on Swappa?

I've had good luck with mine which was mint new-old stock. $125 for a Google Pixel.
by getthatmarshmallow
Fri May 01, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Grad's Housing Question
Replies: 15
Views: 650

Re: New Grad's Housing Question

Hi. I will be starting my first FT job in MCOL area at the end of summer. 5k signing bonus and 68k plus year end bonus. My job requires that I move every year for the first three years for training. Relocation stipend (lump sum) depends on distance relocated and the first payment is 8k. I want my l...
by getthatmarshmallow
Fri May 01, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7331

Re: How do you explain no COVID19 Stimulus Payment?

I can speak to this. I was talking with a buddy and while asking me if I'd gotten a check he showed me a partial screenshot of his bank account ledger that included the covid check deposit. Now he may have done this because we both are in many ways philosophically against the idea of helicopter mon...
by getthatmarshmallow
Tue Apr 28, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6213

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I agree. What about those with toddlers who cannot just let the kids “watch themselves”? They are now going to take care of the kids and work an 8 hour day for a total of 14-16 hours? I didn't understand this comment. How can working 8 plus taking care of kids add up to 16 hours? What happens with ...
by getthatmarshmallow
Mon Apr 27, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6213

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

Sort of? Higher ed, so WFH for me means "teach online", and this semester was NOT a good test case of what it would be like with e.g., more than two days' notice mid-semester. I suspect it might be easier to get hybrid (some meetings face to face, some virtual) courses going, only because basically ...
by getthatmarshmallow
Mon Apr 27, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8262

Re: Payoff house and quit good-paying job?

I'm getting a very strong "what if this is as good as it gets?" vibe from the post. If you're financially independent, do what you want, or if you have an idea of what you want to want to do and a plan beyond "run away and join the circus," but I'm finding it hard to square that with the description...
by getthatmarshmallow
Thu Apr 23, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1749

Re: Which new kid's bike to buy online?

Thanks. Lots of good info here to digest. The issues with the big-box bikes are beyond "bad assembly". One bike uses primarily plastic pedals which have split or broken completely. Another has handlebars that won't stay tight no matter how much the head-nut is tightened. The handle brakes are terri...
by getthatmarshmallow
Thu Apr 23, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: How does the accounting profession fare during recessions?
Replies: 25
Views: 2289

Re: How does the accounting profession fare during recessions?

I'm guessing the accounting profession does okay during recessions, would this be accurate? I'm considering getting my master's in accounting, as my current industry goes up in flames. I have an undergrad in something not related to accounting, but I did take a course in accounting which I enjoyed....
by getthatmarshmallow
Thu Apr 23, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 139
Views: 12944

Re: I Got Scammed To Send Amazon Gift Cards

Two red flags folks need to look out for: 1. A known friend has a strange story (got robbed, lost wallet, grandson in jail, etc.) and need immediate help. (Call that person and confirm, since it often means that person's email account has been hacked and the scammers are sending that email out to a...
by getthatmarshmallow
Thu Apr 23, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1749

Re: Which new kid's bike to buy online?

Oh, also, many of the major bike brands are now shipping online due to the pandemic, either direct or to the local bike shop for final delivery. So you're not limited to bikesdirect or whatever. IME having bought online once through Chain Reaction Cycles, typically the only thing you have to do is m...
by getthatmarshmallow
Thu Apr 23, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1749

Re: Which new kid's bike to buy online?

Mmm. Try secondhand. For a quality kid's bike, you're looking probably in the $400-500 range for a 9 or 10 year old. I'd check a Giant retailer as they seem to be a bit more competitively priced although apparently with the pandemic bikes are flying off the shelves.. (24" wheel?) Walmart bikes are f...
by getthatmarshmallow
Thu Apr 23, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6225

Re: Are we spending too much on a house? 28yo & 24yo

To the OP: it's a lot of house but the large down payment makes it workable, if right. The main concern I would have is that you're not yet married, which makes comingling a big asset harder and that with only 40k in savings you might be in a tight spot keeping up with maintenance as houses like to ...
by getthatmarshmallow
Thu Apr 23, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9840

Re: Best Covid19 resistant job

It's hard to say, but also not really actionable. Are you going to retrain for a career that is COVID proof or tell your kids to pursue only careers that can be pursued during pandemics? I'd still rather have my kid be a doctor than a grocery store worker, if I'm considering lifetime earnings. Then ...