Search found 2794 matches

by texasdiver
Sun Jan 20, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 20
Views: 1160

Re: Looking for old school CD player & bookshelf stereo

If buying off eBay is acceptable, you could get a Tivoli Model One or Model Two (one speaker or two), and a Model CD. These are dead-simple to use, sound great, and look like furniture rather than stereo equipment. Their newer stuff all tends to have digital controls. This generation stuff is all a...
by texasdiver
Sun Jan 20, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 20
Views: 1160

Re: Looking for old school CD player & bookshelf stereo

My dad is close to 80 and is the same way about tech. He can’t figure out how to use email and still has a flip phone which he struggles with occasionally. He has a google speaker and loves it. He always had trouble figuring out TVs and remotes but he has no trouble with this at all and there’s no ...
by texasdiver
Sat Jan 19, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 20
Views: 1160

Re: Looking for old school CD player & bookshelf stereo

I have my eyes on a simpler desktop system, as linked below https://www.bestbuy.com/site/yamaha-30w-desktop-audio-system-white/4736211.p?skuId=4736211 Except I myself don't necessary need CD, so I am also considering a variation of the above. That might be about right. They don't need separate spea...
by texasdiver
Sat Jan 19, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 20
Views: 1160

Re: Looking for old school CD player & bookshelf stereo

This might fit the bill: https://www.bestbuy.com/site/denon-d-micro-system-black/5905900.p?skuId=5905900 Denon has made decent bookshelf stereos for a long time. Best Buy has some other ones that are cheaper, e.g. Sharp and Yamaha. You probably don’t want the super-garish Sonys that are targeted at...
by texasdiver
Fri Jan 18, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Re: Importance of college summer internships??

OK, a little more context here. The daughter is convinced that summer internships are of upmost importance and how everyone gets ahead in her field. Since last fall she has been applying for everything she can find all over the country but the ones that sound the coolest are also uber competitive a...
by texasdiver
Fri Jan 18, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 20
Views: 1160

Looking for old school CD player & bookshelf stereo

My 80-year old parents are in the process of downsizing and moving into a retirement community where they are buying a smaller townhouse sort of unit that is about 1/2 the size of the house they are selling. I'm helping them downsize and get rid of the old CRT TV and ancient old 1970s era stereo sys...
by texasdiver
Fri Jan 18, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Re: Importance of college summer internships??

OK, a little more context here. The daughter is convinced that summer internships are of upmost importance and how everyone gets ahead in her field. Since last fall she has been applying for everything she can find all over the country but the ones that sound the coolest are also uber competitive an...
by texasdiver
Fri Jan 18, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Re: Importance of college summer internships??

livesoft wrote:
Fri Jan 18, 2019 8:31 pm
Fast food and Publix are not waiting tables. I described many things that I see in small restaurants that I eat in all around the world. So why not buy her a restaurant and set her up in it? :)
Um, yeah. I'll get right on that just so she has something to do for 8 weeks this summer. :wink:
by texasdiver
Fri Jan 18, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Re: Importance of college summer internships??

Plan C is to live at home or in her college town apartment and earn money waiting tables, cashiering, or whatever. texasdiver, This is a great learning experience if she does not have any real job at all. My kids learned a lot from their experience while doing that in high school. KlangFool She wor...
by texasdiver
Fri Jan 18, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Re: Importance of college summer internships??

Thanks. It's good to get some other perspective. I've been on lots of hiring committees for government scientists (previous career) and teachers (current career) and not once has any undergraduate summer internship played the slightest role in hiring decisions in those fields. So I don't really know...
by texasdiver
Fri Jan 18, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1724

Importance of college summer internships??

Daughter is a junior in college studying public relations and marketing. She is currently in the middle of the frustrating process of applying to summer internships. Apparently the really cool ones with companies like Nike or Google are ridiculously competitive and she doesn't have a ridiculously co...
by texasdiver
Wed Jan 16, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Anyone ever buy Hilton's Timeshares (HGVC)?
Replies: 51
Views: 9289

Re: Anyone ever buy Hilton's Timeshares (HGVC)?

I did one of these once in Puerto Vallarta back in the late 80s. That is 2 hours I'll never get back but got a nice dinner voucher at a nice restaurant. I have some relatives who have a time share in Gatlinburg TN. It is painful to see their photos on facebook every year like clockwork. Line dancing...
by texasdiver
Wed Jan 16, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best kids savings account
Replies: 22
Views: 1766

Re: Best kids savings account

First check with whatever bank or credit union you already bank with. That will make things much easier than opening up just a child’s account at some new bank.
by texasdiver
Wed Jan 16, 2019 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2411

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are ...
by texasdiver
Tue Jan 15, 2019 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2411

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are t...
by texasdiver
Mon Jan 14, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: 15 full days in Costa Rica
Replies: 25
Views: 1835

Re: 15 full days in Costa Rica

We've done a half dozen visits to Costa Rica with family. We always just rent a 4x4 to do our own driving and use local hotels or VRBO rentals. My wife and I are both fluent in Spanish which makes independent adenturing easier perhaps (she is Chilean so Spanish is her 1st language). Some comments: 1...
by texasdiver
Sun Jan 13, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 805

Re: ID during International Travel

I'm always loath to give my passport to any cop or soldier because you may not get it back easily. While travelling through Eastern bloc countries it was practically a rule to put a 100 DM note in your passport when you handed it to the policeman. I was in Spain back in the 1990's and had just gott...
by texasdiver
Sun Jan 13, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 805

Re: ID during International Travel

I've also been pulled over a couple time and have gone through various police road blocks in Mexico, Guatemala, Honduras, Costa Rica, Brazil, and Chile. Always only showed by US drivers license and NEVER gave my passport to a cop, even when I had it on me. Always just told them the passport was in ...
by texasdiver
Sun Jan 13, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 805

Re: ID during International Travel

When traveling international we sometimes don't have our passport with us when we are out and about in a foreign country. If on an ocean or river cruise they tend to hold your passports and your ship id is supposed to be your identification and sometimes we have it locked in a hotel safe. The last ...
by texasdiver
Sun Jan 13, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2040

Re: Taking expensive DSLR on kayak?

Get a waterproof housing. Wide variety of options from those designed for surface use to those designed for deep diving that are hugely more expensive https://www.bhphotovideo.com/c/search?ci=16477&fct=fct_camera-type_2031%7cslr%2bfct_to-use-with_2032%7ccanon%2bfct_compatibility_6326%7ccanon-5d-mark...
by texasdiver
Sun Jan 13, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house for college student housing??
Replies: 2
Views: 456

Buying a house for college student housing??

HS daughter is just starting to look at colleges so we are a couple of years away from needing to deal with college housing. So I'm thinking ahead a bit here. We live in the greater Portland area which has several colleges that the daughter is considering in addition to schools in the Seattle and Pu...
by texasdiver
Sun Jan 13, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 71
Views: 8402

Re: pros and cons of target date funds?

Vanguard's Target date funds have a 40% Int'l allocation The TSP's Target date funds have a 35% Int'l allocation Between my wife and myself we have roughly equal amounts distributed between those two funds so we have approximately 37.5% in Int'l stocks. Would our Int'l allocation be that high if I w...
by texasdiver
Sun Jan 13, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Unusual tv mounting question
Replies: 8
Views: 849

Re: Unusual tv mounting question

You should be able to find a .pdf of the owners manual online if you google search the model number. It almost certainly has instructions for converting between stand mount and wall mount. I suspect that the metal rod to which you refer is either secured by a screw that is hidden behind a removable ...
by texasdiver
Sat Jan 12, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5524

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

One more point in the minivan vs SUV comparision. We had a Sienna when the kiddos were little. When oldest got to driving age we passed on my wife's CR-V to the oldest to take to college and bought her a Highlander. So we have lots of experience in the minivan (over 300,000 miles on it) and more rec...
by texasdiver
Fri Jan 11, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5524

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Be strategic.

Let your wife pick the minivan of her dreams this time around.

Next time when the kids are older it will be YOUR TURN to pick the vehicle :D
by texasdiver
Thu Jan 10, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5524

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

123 wrote:
Thu Jan 10, 2019 8:35 pm
It was easy before seat belts.
Before car seats. The top rated ones are enormous.
by texasdiver
Thu Jan 10, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6079

Re: Building Wealth Through Home Equity--Myth or Reality?

Bought my first home in 1998 for $135,000 with 10% down on a 7.8% mortgage Two cities, four houses, and 6 mortgages later we now live in a house worth about 5x the purchase price of our first home and we conservatively have about $275k in equity. Never took any "cash out" and except for the first ho...
by texasdiver
Thu Jan 10, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: Taxable vs Nontaxable retirement savings: is there an ideal ratio?
Replies: 10
Views: 1515

Re: Taxable vs Nontaxable retirement savings: is there an ideal ratio?

Well, obviously you'd rather have $1 million in a Roth than $1 million in a traditional IRA. The pat answer you often hear from financial advisors is that you want to do tax-deferred savings if you think your tax rate will be lower when you are retired and Roth savings if you think your tax rate wil...
by texasdiver
Thu Jan 10, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Best way to match paint?
Replies: 22
Views: 1436

Re: Best way to match paint?

Seriously. With as much time as you'll spend messing around with techniques to get a pefect match you can have the whole wall painted. Then you will never notice any slight differences.
by texasdiver
Thu Jan 10, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5524

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Get the minivan of your wife's dreams. Or at least a 3-row SUV like a Highlander or Pilot. Times have changed. With car seats you can't pile in the kids like you used to.

Then start saving for the next car for when the kids are older that will be YOUR turn to pick. :D
by texasdiver
Mon Jan 07, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Re: Keeping old statements from closed accounts

I ran into a similar pile of mine while in an ill and manic mood several years ago. I don't think the thought of scanning them even crossed my mind. If it did, it didn't overpower my repulsion at handling all those dusty statements any more than necessary. They were unable to escape my trash bag. ....
by texasdiver
Mon Jan 07, 2019 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 53
Views: 17651

Re: Target Date Fund vs. 3 Fund Portfolio

My wife and I have the bulk of our portfolio in two target date funds. One of the Federal TSP Target date funds (mine) and a Vanguard target date fund (hers). In the TSP there is no fee advantage to breaking the portfolio out into individual funds so I don't bother. With Vanguard there is a small fe...
by texasdiver
Mon Jan 07, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20407

Re: Best town I've never heard of [for relocating]

Vancouver, Wa. Nice weather, a bit wet during the winter, little snow Portland, Oregon across the Colombia river - right next door Sail on the Colombia, ski in the Cascades, windsurf at Hood River Gorge, hike everywhere No income tax in Washington. Pop across the river and buy all your stuff in Ore...
by texasdiver
Mon Jan 07, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1601

Re: House hunting in San Antonio (relocating from IL) - What to watch out for?

We lived in Texas for a decade and have close family in San Antonio. The locals here are giving good advice. As a teacher with a nose to the ground on school issues in Texas I would tell you that San Antonio has very gerrymandered school districts. There are perhaps 15 different school districts in ...
by texasdiver
Mon Jan 07, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20407

Re: Best town I've never heard of [for relocating]

I learned, reading this thread, that there’s a magazine called “Garden and Gun.” Who knew? I ran across this magazine in the lobby of a dentist office in Waco TX. At first I thought it was some sort of National Lampoon style spoof. But no, it is definitely real, and apparently popular in the south.
by texasdiver
Mon Jan 07, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20407

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! I'm looking to move to a town in which to put down roots and raise a family. I've finally come to the conclusion that life is too short not to live in a place you find beautiful. So, below are some criteria I'm looking for, and I look forward to any recommendations you migh...
by texasdiver
Sun Jan 06, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5967

Re: How do you view a savings surplus in retirement?

My parents are about 80 and have been facing this for years. Essentially with their pensions, social security and RMDs they have more monthly income coming in than they manage to spend by a factor of about 40%. They just save the difference like they have been doing for the past 60 years of their li...
by texasdiver
Sun Jan 06, 2019 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6144

Re: Delaying retirement just to help adult children

If your in-laws have 40x annual expenses saved at age 60 in a 50/50 Boglehead portfolio then frankly they don't need anyone's advice on how to manage their financial affairs. They will be fine either way. I would stay out of it. You can rest assured that, if their financial health is any indication,...
by texasdiver
Sat Jan 05, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is an ARM always a bad idea?
Replies: 43
Views: 3939

Re: Is an ARM always a bad idea?

My wife and I did a 5 year fixed ARM physician loan at 5% when she entered residency in 2003. We bought a house in a fast growing area in suburban TX. At the time, the physician loan through a local bank was a lot less hassle to apply for and the rate was lower than whatever the 30 year fixed rates ...
by texasdiver
Sat Jan 05, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Re: Keeping old statements from closed accounts

Well, yesterday I went through all my current bank and credit card accounts online and downloaded the .pdf statements for each account back to 5 years except for Chase (or Citi?) which only allowed downloads back 12 months without putting in special requests. Took maybe 45 minutes to download 5 year...
by texasdiver
Fri Jan 04, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Re: Keeping old statements from closed accounts

I'm the original poster here. I keep any tax related documents in a separate folder organized by year. These are just stacks of old quarterly and annual 401k and IRA statements from accounts that were closed several years ago when they were rolled over into Vanguard (hers) and the TSP (mine). There ...
by texasdiver
Fri Jan 04, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Keeping old statements from closed accounts

Doing my annual financial housekeeping.

I have stacks of old statements from retirement accounts (IRAs and 401k plans) that we have since closed and rolled over into Vanguard and the TSP.

Is there any reason at all to keep statements from old retirement accounts that have been closed?
by texasdiver
Sat Dec 29, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: HR Issue at Work
Replies: 9
Views: 1208

Re: HR Issue at Work

The purpose of HR in any organization (including yours) is not to protect you. It is to protect the organization.

Bear that in mind before considering any next steps.
by texasdiver
Sat Dec 29, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 7609

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

Rather than guessing, why not ask for a meeting with the management and find out exactly what they will accept. Based on my experience dealing with getting my daughter into an apartment complex near her college, I found that the local manager was 100% constrained by corporate policies set in another...
by texasdiver
Tue Dec 25, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Nest Outdoor Cam for wildlife viewing?
Replies: 4
Views: 643

Re: Nest Outdoor Cam for wildlife viewing?

A dedicated trail camera would likely be better than a Nest. I might decide to get one of those as well. But from what I understand, trailcams are usually battery powered with SD cards and motion activated so you have to go out and retrieve the SD card when you want to see what you shot and then re...
by texasdiver
Tue Dec 25, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Nest Outdoor Cam for wildlife viewing?
Replies: 4
Views: 643

Nest Outdoor Cam for wildlife viewing?

We have a Nest Hello doorbell on the front of the house which we like. So I'm already sort of invested in the Nest home app and video system. The back of our house abuts a greenbelt where we occasionally see deer, racoons, coyotes, owls, and reports of bobcats. I'm thinking of buying a nest outdoor ...
by texasdiver
Mon Dec 24, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Rental property as a means of wealth capture?
Replies: 20
Views: 2950

Re: Rental property as a means of wealth capture?

So you mother can afford a $650,000 home, she just doesn't want to take the tax hit on her 401(k) to come up with the down payment? Rather than you buying the place for her, seems like the better solution would be to explore various options for her to make the purchase herself. There are a variety o...
by texasdiver
Fri Dec 21, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: what backtesting tools are fee advisors ALLOWED to use?
Replies: 5
Views: 424

Re: what backtesting tools are fee advisors ALLOWED to use?

I just took a first look at http://cfiresim.com and it seems to be very sophisticated. But I would bet that a fee advisor would not be _allowed_ to use it, since it has no provenence. Who knows if there's a deep error, or a deliberate error hacked into it by a malicious actor? So what advisors do u...
by texasdiver
Thu Dec 20, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Buying a bicycle
Replies: 10
Views: 788

Re: Buying a bicycle

Depending on where you live, Craigslist is the place to find inexpensive bicycles. May help if you have someone who knows bikes to assist you in finding the right size and model for your needs. I see you are in Sarasota FL. You should have a wealth of decent options available. Something like this, f...