Search found 313 matches

by rj342
Sun Jul 21, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Potential New Job
Replies: 6
Views: 597

Re: Potential New Job

Going to much shorter vacation really sucks, but long term frustration can lead to health problems, physical and mental. Been there with both. Re vacation at new place dont be surprised if 3 weeks most you can get - standard 2wks starting out but theyll make an exception and give you one more. Stray...
by rj342
Sun Jul 21, 2019 9:28 pm
Forum: Spain
Topic: Retirement - Spain or Portugal?
Replies: 17
Views: 1687

Re: Retirement - Spain or Portugal?

This idea always makes think of 2 questions
1. Children or grandchildren? Seems like a way to remove them from your life , see them maybe once a year?
2. What is exit strategy for if/when its assisted living, memory care, nursing home time?
by rj342
Sat Jul 20, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 138
Views: 10299

Re: Has anyone seen the documentary "Playing with FIRE?"

I've only been on BH about a month or so, and at 54 don't have nearly as much as many do here of a comparable age. Only ever broke 100k income (my job) for about 3 years before lost that job. That said, I have little use for these younger guys in their mid-late 30s blogging bragging about their situ...
by rj342
Sat Jul 20, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Replacement Windows
Replies: 28
Views: 1461

Re: Replacement Windows

Adding my own question...
Does Low E glass only help if/when the windows get direct sun?
by rj342
Sat Jul 20, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 111
Views: 5675

Re: Do you buy cellphone outright or pay over 2 years?

1) I just dont see the utility of getting a $700-$900 new gen flagship phone, Galaxy or iPhone every year or two. Only the better camera is somewhat tempting. Might feel differently if I was a road warrior for work or had a long train ride commute every day. 2) Last couple times I bought $200-ish mi...
by rj342
Sat Jul 20, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 32
Views: 1068

Re: Which Kindle do I need?

Have not seen an Oasis in person to see if the price delta is worth it. Absolutely give thumbs up on the Paperwhite. It does have better contrast than basic reader, plus the all important adjustable front lighting. PLUS... The newest gen Paperwhite that just came out has more storage AND is now wate...
by rj342
Fri Jul 19, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 7978

Re: Harrassed at work, what steps to take to protect her future employment

Years ago, for example, it was very common that various kinds of employees (such as public school teachers) had to leave at age 65. That is no longer the case - although I suspect most teachers at age 65 are more close to "burnout", etc. Hah. After 29 years my award winning public school teacher wi...
by rj342
Fri Jul 19, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 5192

Re: NYT Article: Safe Deposit Boxes Aren't Safe

Since people are talking about using safes to store information, including electronic data. 'Fireproof' safes may still get hot enough damage a USB drive. Also, there is a temperature range in which a computer CD or DVD may be perfectly fine otherwise, but a plastic case or sleeve could melt to it, ...
by rj342
Fri Jul 19, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 5192

Re: Safe Deposit Boxes Aren't Safe

Sure, there are occasions, but there is risk with virtually all things financial or asset related. This one is of no concern, though it may be to others. Sounds like about as likely to occur as a shark bite. Tim I assume you are not implying the banks should have some liability for that occurrence.
by rj342
Thu Jul 18, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

At least with engineering the ABET accreditation does mean something. Top 10 engineering school probably better investment for a Masters. Some of them do load down the undergrad courses w ESL grad student TAs while all the sexy stuff is actually in grad schoo!.
by rj342
Thu Jul 18, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 18
Views: 1173

Re: Chromebook

Does Microsoft Office work on Chromebook? I looked at them a while back, but I remember finding one compatibility reason not to buy one. I can't remember what it was at the moment. I have an HP laptop at work, and I've been really impressed with it. I have made a lot of PowerPoint presentations, wa...
by rj342
Thu Jul 18, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 7978

Re: Harrassed at work, what steps to take to protect her future employment

Possibly relevant... I worked as an engineer at a US electronics manufacturer from 1989 to 2002, leaving only when they completely stopped real manufacturing there (after a buyout) and it lingered a few more years doing service and support at that location. I remember one layoff in particular where ...
by rj342
Thu Jul 18, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

My son isn't considering Huntsville to save money (although free tuition is certainly a perk). His dream is working for NASA or in the space industry and Huntsville is the place to be for that. I'm in Mobile at the other end of the state. Huntsville is booming, period, and if I was 30 years younger...
by rj342
Thu Jul 18, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 89
Views: 4664

Re: Automatic Watches

After further consideration, I decided to get a Seiko 5 automatic. If my current quartz ever stops working, it will probably be replaced with an Eco-Drive. I appreciate all the input. Big fan of the EcoDrive. Rolex, Omega etc way above my paygrade I had a Bulova automatic given to me from one grand...
by rj342
Thu Jul 18, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 89
Views: 4664

Re: Automatic Watches

I love my mechanicals, but I wear my Casio 90% of the time. I, too, like to know the correct time and do not have my phone on me 24/7. And mechanicals can be a disease. I went through a phase a while ago and bought a lot of them. My collection now is much smaller. Current: photo omitted My diseased...
by rj342
Wed Jul 17, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

My son isn't considering Huntsville to save money (although free tuition is certainly a perk). His dream is working for NASA or in the space industry and Huntsville is the place to be for that. I'm in Mobile at the other end of the state. Huntsville is booming, period, and if I was 30 years younger...
by rj342
Tue Jul 16, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

stoptothink wrote:
Tue Jul 16, 2019 3:11 pm
It took my SIL 9yrs to get her BS in Nursing, and I believe the GI Bill paid for every singly penny.
Guy I'm talking about had been in, at least token effort to get the $$, more than 20 out of those 30 or so years. No significant progress.
by rj342
Tue Jul 16, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1227

Re: Ring video doorbell 2

Only negative I have to say about mine is that I have to lower the motion detection region enough to reduce false alerts from passing cars, that it can miss the persons initial approach if they walk up quickly. Not a problem for someone standing there waiting for you to answer doorbell. but sometime...
by rj342
Tue Jul 16, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

There is a huge uncertainty in all three of these: General Sticker-price cost of university education Assistance you gain from merit or need-based aid Which school your children will attend Also; If all your kids will even go to college. If they will go for a year or two then drop out. People somet...
by rj342
Tue Jul 16, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5074

Re: College cost prediction and savings for 5, 3, and newborn

There very well could be a revolution in education coming. DS is currently taking a couple summer courses at his expensive private college and because the schedules make his classes overlap, he's taking one as an online course. This has become a near standard at his college, where students can watc...
by rj342
Tue Jul 16, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: 1 million in liquid assets or paid off mortgage by 40?
Replies: 61
Views: 5580

Re: 1 million in liquid assets or paid off mortgage by 40?

I opt for the liquid assets. Invested as $639K in normal allocation, $149K in short-intermediate term bonds. Still liquid, can payoff mortgage anyway you'd like or not! But knowing you have the funds to pay it off at ANY time, as opposed to I'll sell shares at a 40% reduction in price and still hav...
by rj342
Tue Jul 16, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 7232

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

I spent 30 years in software engineering, and now teach programming at a community college. There are several paths you might consider if you decide that programming is something you want to do: 1-a community college applied degree. With your background, you can probably find a position that spans ...
by rj342
Mon Jul 15, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 5657

Re: How to Safely Share User IDs / Passwords with Spouse

fyi, some reminders--- - Agree 100% about survivor not using your financial account info after your death -- named beneficiary, POD or probated will, period. - POA dies with the grantor - Also... POA does NOT let you do things against wishes of the grantor, such as arrangements for an increasingly o...
by rj342
Mon Jul 15, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 7232

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Chiming in again... Do be cautious in regard to the math needed for either CS or Mechanical Engineering. Those programs tend to expect you to be able to *start* with Calculus, which can be a bit daunting even for kids good at math but for whatever reason did not get calculus exposure in HS. Take the...
by rj342
Sun Jul 14, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financing my daughter's college with my 401K
Replies: 60
Views: 3567

Re: Financing my daughter's college with my 401K

You might have the option of a 401k loan. You have 5 years to pay it back and you pay interest to yourself. Drawback is it kills your compounding growth and you would still need to be able to cash flow the payments. IMO better the Patent Plus loan (after SHE borrows what she can from Federal). Does...
by rj342
Sun Jul 14, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 7232

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

. Programming is only interesting when you are still learning it. Once you know it, it's just like reading a book. Wrong to equate this with software development, which can be very creative. I second taking a good look at a Computer Science or Software Engineering degree. Alternately, stay closer t...
by rj342
Sun Jul 14, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financing my daughter's college with my 401K
Replies: 60
Views: 3567

Re: Financing my daughter's college with my 401K

With the amount per year you can already cover for her, I think the notion that you have some serious moral obligation to pay for *all* of it, with her contributing little or none is nonsense. She should borrow what she can under the federal program. Working summers at least would help (many other p...
by rj342
Fri Jul 12, 2019 3:08 pm
Forum: Personal Investments
Topic: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds
Replies: 43
Views: 2006

Re: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds

All of the factors you listed are known. Each and every one. And all should be priced into or out of the value of those companies you referenced. That said, if you believe in what you are doing, nobody will stop you. Personally, I am happy owning many of those companies you probably dislike in the ...
by rj342
Fri Jul 12, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1654

Re: Is any type of marriage counseling partially covered by Health insurance?

Do you have an Employee Assistance Program through work that offers marriage counseling? +1 When I worked for a Megacorp, they had an EAP that covered lots of stuff. I don't remember if marriage counseling was included, but worth checking. Yes, EAP not medical insurance is where it would be.
by rj342
Thu Jul 11, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Alternative to Flexsteel chair
Replies: 2
Views: 372

Re: Alternative to Flexsteel chair

No help here. Way past time to replace our den furniture. Cushions lost oomph, and shape, and springs sagging. Was not budget furniture at the time, but started degrading a lot sooner than expected. This time we bought Flexsteel for very first time. Instead of couch, trim recliner and club chair w o...
by rj342
Thu Jul 11, 2019 10:32 am
Forum: Personal Investments
Topic: 25 years to retirement; assume 0 future contributions
Replies: 21
Views: 2446

Re: 25 years to retirement; assume 0 future contributions

re "renting so no debt"...
Technically correct but inadequate characterization --unless living in car and tent there IS an ongoing permanent obligation for roof overhead $$s, though not "debt".
by rj342
Thu Jul 11, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1597

Re: Wize Cam reviews

I'm planning to add 5 cameras outside to cover drive way and front doors. Must haves are: - few days of backup that can be remote viewed - ability to watch live from iPhone - Send notification on motion My neighbors swear by NEST and admittedly they are pretty sweet. They check all of the boxes exc...
by rj342
Thu Jul 11, 2019 10:16 am
Forum: Personal Investments
Topic: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?
Replies: 33
Views: 3422

Re: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?

Good for you for doing this. My Dad was in this position but never actually got scammed. Not a lawyer but based on personal experience: You should begin proceeding to get guardianship immediately before someone else does. There are people in south Florida who do nothing else bu take guardianship of...
by rj342
Wed Jul 10, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1597

Re: Wize Cam reviews

Possibly relevant - deliberate backdoor found in some Chinese made security cameras

https://www.bloombergquint.com/business ... -to-remove
by rj342
Wed Jul 10, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1622

Re: Recommendations for binoculars

Just an additional piece of advice. Different manufacturers have different design criteria for things like eye relief and inter-pulillary distance. These differences can mean the difference between one pair being unusable and one being excellent -- even though both are the same quality of binocular...
by rj342
Wed Jul 10, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1622

Re: Recommendations for binoculars

re: binox Took two pairs to Alaska a few weeks ago (7 day cruise then 4 days on land) Celestron Skymaster (from Amazon a year ago) and Nikon Acculon (from Academy for trip). IIRC 10x and 8x. No problem with steadiness for intermittently viewing. Great for longer distance on landscapes and some wildl...
by rj342
Wed Jul 10, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Credit Freezes
Replies: 19
Views: 2212

Re: Best Practices for Managing Credit Freezes

I find the notion of them requiring sending paper copies of sensitive ID document through ordinary insecure USP mail to be sheer insanity.

Should have a secure website option to upload photos of the documents. This IS about to be the third decade of 21st century.
by rj342
Wed Jul 10, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Solar powered landscape lighting
Replies: 15
Views: 888

Re: Solar powered landscape lighting

Have not tried anything nicer yet, but the cheap stake type self contained solar lights had two problems (apart from amount and duration of light when new): - had lousy NiCad batteries so lost capacity quickly - the plastic lens protecting solar cell would fog turning yellow and dull fairly quickly....
by rj342
Wed Jul 10, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Long Weekend Beach Getaway
Replies: 14
Views: 1021

Re: Long Weekend Beach Getaway

Pensacola Beach. Not as crazy built up with high rise condos although there are some. Whatever you do, if thinking about the Gulf Coast, do NOT go to Biloxi for the beach as such! It is too close to the Mississippi so water muddier, sand dull, no waves, no dunes. We used to chuckle at seeing license...
by rj342
Wed Jul 10, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6255

Re: Buying a Smoker

Noob here, order the smoke tube to try out. Will do this weekend.
by rj342
Wed Jul 10, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 2776

Re: Pickup truck issue!!

I would lean toward fix and then drive while taking time to figure out if you want a different truck and how to go about that -- and get the best value out of yours when you do get rid of it (agree the hit to resale selling as-is surely more than your cost to fix). But don't know how your 'deletion'...
by rj342
Tue Jul 09, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3280

Re: Best Practices for longer-term house guests?

Has anyone encountered to opposite situation? Where guests you would like very much to host - decline such an invitation because they do not want to inconvenience the hosts? It's very rare for DH and I to stay at anyone's home, including family. We'll spend multiple days doing activities with them,...
by rj342
Tue Jul 09, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 10689

Re: What backup service to use?

For noobs, just remember that online backup and sync are NOT the same thing!
Be careful how you configure things, as sync synchronizes deleting files too.
by rj342
Tue Jul 09, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6255

Re: Buying a Smoker

I worked with a woman, grown up Alabama country girl, who was an excellent scratch cook. She had mastered BBQing and smoking the 'real' way, but finally got where she decided an electric smoker was usually good enough for ordinary use, and only bringing out the big guns for special occasions. I trus...
by rj342
Mon Jul 08, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3280

Re: Best Practices for longer-term house guests?

You said waterfront -- are you expected to take them out on a boat? That's defintiely not free. An experience we've had with minorly annoying *host* behavior ( a 2 or 3 day weekend visit to my brother in law and his wife a couple times year)... After driving 3.5 hours to another, somewhat bigger cit...
by rj342
Mon Jul 08, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3316

Re: Going to law school question

I want to be a brain surgeon, not really, but kind of. :beer I wonder if his situation is something akin to being in University administration, where having a PhD, *any* accredited Phd, is the ticket enabling a move up the ladder. Or in some case Hospitals or Pharma business where that MD opens doo...
by rj342
Mon Jul 08, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: St. Louis Travel/Tourism
Replies: 20
Views: 1194

Re: St. Louis Travel/Tourism

As a smart kid a long time ago I really enjoyed the underground museum under the Arch, I guess partly because I had no such idea it existed. Other thing I remember we laughed about was how horribly mangled the modern local anglicized pronunciation of some of the historic French place names were. By ...
by rj342
Mon Jul 08, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Motion blur with new TV while watching sports
Replies: 24
Views: 1856

Re: Motion blur with new TV while watching sports

You can test if it's Spectrum's doing (compression or whatever) by watching similar sports with an over-the-air signal from a major network. If you've got a reasonable over-the-air signal available (with an inexpensive indoor antenna) it can be a good test. Cable and streaming services provide a lo...
by rj342
Mon Jul 08, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Motion blur with new TV while watching sports
Replies: 24
Views: 1856

Re: Motion blur with new TV while watching sports

You have a 60 hz tv with a slow response screen so you are going to have some more noticeable motion blur than on the couple of hundred dollar more sets. What you can do is check to see if there is a sport mode or the like which is optimized for fast content (turns on things like black frame insert...
by rj342
Mon Jul 08, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3316

Re: Going to law school question

I want to be a brain surgeon, not really, but kind of. :beer I wonder if his situation is something akin to being in University administration, where having a PhD, *any* accredited Phd, is the ticket enabling a move up the ladder. Or in some case Hospitals or Pharma business where that MD opens doo...