Search found 115 matches

by MaryO
Tue Apr 14, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56990

Re: How to get Toilet Paper ? seriously.

A toilet clogging story: Several days ago at the hospital where my wife is an ER nurse, some imbecile flushed wipes down the toilet in a regular patient room... even though toilet paper was available. ... .. but, they're not flushable and a lot of people are unaware of that. Even though they say "f...
by MaryO
Mon Mar 02, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 56
Views: 4608

Re: Need a cheaper cell phone plan

We just switched in Feb from Verizon to Altice. Our plan is 3 lines unlimited everything for $60. Price is good forever. Includes unlimited international. Cancel anytime w/o penalty. Supported my old iPhone 6s. Zero down/zero interest financing on new phones. The call reception in our house is actua...
by MaryO
Mon Mar 02, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Tear off Roof vs. Overlay?
Replies: 33
Views: 1996

Re: Tear off Roof vs. Overlay?

I vote tear off even if you're selling. I backed out of a house partly because the inspector noted it had (three!) layers of roof. If I ever go house hunting again, I'd probably pass on a house with more than one layer. The second layer is just enough for me to ask, "What else is the homeowner cutt...
by MaryO
Sat Feb 29, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2693

Re: Selling house- how to make it look appealing

DW and I sold our house late last year. We did many updates to our home during the past 5 years or so. Because many of the showings are done by other realtors, they didn't accurately relay that information to the prospective buyer. So what we did is put together a small portfolio of all the updates...
by MaryO
Sat Feb 29, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

Yes your assumption was correct I meant RPI (Rensselaer). My point I was making is that the schools listed are elite technological universities and that was their administrative focus. It is my general opinion that students that prefer to attend a technological university are primary focused on eng...
by MaryO
Sat Feb 29, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2693

Re: Selling house- how to make it look appealing

One suggestion I haven't seen mentioned is window treatments. Are they outdated? Heavy fabric or valances? Take them down. Almost nothing makes a home look more tired and dark than out-of-style drapes and curtains. Or old plastic mini blinds. Remove old curtain rods, too. Then spackle the holes. You...
by MaryO
Thu Feb 27, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

CMU overall acceptance rate is 22%, three times higher than MIT/Caltech (~7%), and on par with Georgia Tech. It is also not in the same league with MIT/Caltech on test scores (32-35 ACT for middle 50% at CMU vs 34-36/35-36 at MIT/Caltech, which are really in a league of their own in that regard). A...
by MaryO
Thu Feb 27, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

Yes your assumption was correct I meant RPI (Rensselaer). My point I was making is that the schools listed are elite technological universities and that was their administrative focus. It is my general opinion that students that prefer to attend a technological university are primary focused on eng...
by MaryO
Wed Feb 26, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

40 years ago might have been somewhat different than 20 years ago but I suspect an average ivy league engineering student career aspirations to be somewhat different than at the elite technological universities, such as MIT, Cal Tech, RIP, VPI, WPI, Case Western, Purdue and Carnegie Mellon. Your li...
by MaryO
Wed Feb 26, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: New Master BR at rear or front of house?
Replies: 7
Views: 598

Re: New Master BR at rear or front of house?

I think aesthetically the master bedroom in the front would look better, with nice big windows. There are tons of light blocking window treatments that could handle any type of light control and are fully adjustable for time of day. You'd not likely put a big window in your bathroom facing the stree...
by MaryO
Wed Feb 26, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

How much extra academic rigor/prestige is worth is a perennial question, and the less stark is the difference between the choices, the more difficult it is to justify a six digit price difference. Ultimately, it is the student, not the institution, that matters most. But the institution, and its pe...
by MaryO
Tue Feb 25, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

As the parent of a student from a top engineering school, my only advice is to go to the highest ranked college that your family can afford, that your student likes and got in. She will definitely have better opportunities in internships and co-ops. As sophomores. My son and his friends will make >...
by MaryO
Mon Feb 24, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5770

Re: Toy overload alternatives for grandparents

You said you traveled back to his parents' house. How far away? Maybe they'd agree that a good gift for your child could be funding trips to visit. (Any toys they want to buy must stay at their house. :) ) What hobbies or talents do your in-laws have? Maybe convince them that the best gift is teachi...
by MaryO
Mon Feb 24, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6734

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Morris, Essex, Passiac, Union, Somerset ~ there are taxes, and then there ARE taxes. It all depends in what locale you reside in and the standard of living you are accustomed to. Those $500-$600K mini mansions anywhere else in the country would cost millions up here but it's the property taxes that...
by MaryO
Sun Feb 23, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6734

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Morris, Essex, Passiac, Union, Somerset ~ there are taxes, and then there ARE taxes. It all depends in what locale you reside in and the standard of living you are accustomed to. Those $500-$600K mini mansions anywhere else in the country would cost millions up here but it's the property taxes that...
by MaryO
Sat Feb 22, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216164

Re: [What TV Show Have You Recently Watched?]

I am watching a Ukrainian TV series "Servant of the people" ("Слуга Народа"), starring Volodymyr Zelenskyy. It's free on YouTube and includes English subtitles, https://www.youtube.com/watch?v=GZ-3YwVQV0M&list=PLSoP62RB3ymmSC-1UmiVAOcMlTijhohVu . Victoria I watched the first episode and will be tun...
by MaryO
Sat Feb 22, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11368

Re: Perform own oil change pros & cons?

I've never done it. No desire to. I can't imagine it being a worthwhile investment in equipment and time. To each his own. I think it's analogous to investing with an advisor vs researching & doing it yourself. When changing your own oil, you know it's done right. And with the car up on jacks you c...
by MaryO
Sat Feb 22, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11368

Re: Perform own oil change pros & cons?

I've never done it. No desire to. I can't imagine it being a worthwhile investment in equipment and time. To each his own. I think it's analogous to investing with an advisor vs researching & doing it yourself. When changing your own oil, you know it's done right. And with the car up on jacks you c...
by MaryO
Sat Feb 22, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3756

Re: New Grad with fashion design degree looking for job in that field

Not to be a negative Nellie here but my granddaughter did EXACTLY the same thing and finally got tired of minimum wages jobs working retail. Trying to find an opening using her fashion design training proved nearly impossible. She went back to school and got an accounting / CPA degree and is making...
by MaryO
Sat Feb 22, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11368

Re: Perform own oil change pros & cons?

...routine maintenance and most repairs himself... the job will be done right with the parts or oil... does have a trusted mechanic for anything he doesn't want to handle... Vintage cars have been his hobby for decades, so he's pretty skilled. Given the ridiculous amount of tools he's purchased ove...
by MaryO
Fri Feb 21, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12465

Re: Potential sue - Loss of money

Is it worth reviewing my CC&R with an Real Estate Attorney for a $500 fee ? or just wait and see if I get sued and then engage an attorney ? What would you guys suggest ? It would be worth it to me just to be able to sleep better at night. One issue that has not been mentioned is that even if you n...
by MaryO
Fri Feb 21, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11368

Re: Perform own oil change pros & cons?

My husband prefers to do all routine maintenance and most repairs himself. He knows the job will be done right with the parts or oil he prefers. He does have a trusted mechanic for anything he doesn't want to handle himself. Vintage cars have been his hobby for decades, so he's pretty skilled. Given...
by MaryO
Thu Feb 20, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3756

Re: New Grad with fashion design degree looking for job in that field

Not to be a negative Nellie here but my granddaughter did EXACTLY the same thing and finally got tired of minimum wages jobs working retail. Trying to find an opening using her fashion design training proved nearly impossible. She went back to school and got an accounting / CPA degree and is making...
by MaryO
Wed Feb 19, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12465

Re: Potential sue - Loss of money

Even if he decided to sue, wouldn't the only possible remedy be to remove the offending addition or otherwise make it meet guidelines? He wouldn't be able to claim damages - based on the OP's description, the addition sounds like it adds value to the house, thus possibly increasing overall property...
by MaryO
Wed Feb 12, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3756

Re: New Grad with fashion design degree looking for job in that field

Thanks for everyone's replies. I am not surprised at the responses and will share this my daughter who will share with my granddaughter. She currently has a job with a large department store selling high end women's clothing which she has a lot of experience with. She is making $36k which is not ba...
by MaryO
Mon Feb 10, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 15025

Re: Wife's oncologist has stopped treatment, is recommending hospice

I am not seeking medical advice. My wife has a history of metastatic breast cancer. Her treatments over the past two years have not stopped the progression of the disease. Her oncologist has stopped treatment because he feels that she is no longer able to handle the rigors of the regimens. She is g...
by MaryO
Tue Jan 21, 2020 1:13 pm
Forum: Personal Investments
Topic: Paying for College: Option 2, Am I Nuts?
Replies: 70
Views: 5858

Re: Paying for College: Option 2, Am I Nuts?

Our plan for paying for college is 529 and cash flowing the rest. We currently pay $X per child every year. This value includes food, education, activities, clothes, toys, etc. When the child goes to college some of those bills will go away and we will divert that towards college expenses. That wit...
by MaryO
Tue Jan 14, 2020 8:02 pm
Forum: Personal Investments
Topic: Directionless drift
Replies: 32
Views: 4168

Re: Directionless drift

Additionally, money/success brings out jealousy in friendships and I have seen them fray. If you don't tell your friends how much wealth you hold, they'd never know. Unless you're flaunting it and buying Bentleys, that is! If your parents are in need of so much caregiving (which I had originally no...
by MaryO
Tue Jan 14, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 5043

Re: At what point do you donate/trash/sell/gift your junk?

gretah wrote:
Sun Jan 12, 2020 7:06 pm
Menopause inspired lots of purge sessions.
Wow, if only I had done a purge session with every hot flash, my attic would have been super organized.

This thread has inspired me. I scheduled a Veteran's pick up in two weeks so we'll do some purging and packing every day.
by MaryO
Tue Jan 14, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6154

Re: Ghosted by Best Buy?

Obviously seasonal work starts to dry up after holidays. Sometimes quite abruptly. The problem kids face today from some of these store managers is failure to communicate. Let's face it, sometimes these store managers are not the best and the brightest. :wink: As with any job, you learn as much abou...
by MaryO
Mon Jan 13, 2020 9:23 am
Forum: Personal Investments
Topic: Directionless drift
Replies: 32
Views: 4168

Re: Directionless drift

There is a basic lack of motivation and direction-less drift, a frustration that we may or many not have time/energy/money to enjoy the fruits of labor - between work, kids, parent caregiving - (now or in future and we lost our 20s, 30s and most of 40s). Your kids and family relationships ARE the f...
by MaryO
Mon Jan 13, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Waiver?
Replies: 12
Views: 1078

Re: Refinance - Appraisal Waiver?

Interesting. When was this tool first available? I also have a question about refinancing, appraisals, and dropping PMI. Last year my daughter looked into refinancing her home bought in 2017. They had to pay PMI when the home was purchased, but had done loads of sweat-equity type improvements + rat...
by MaryO
Sun Jan 12, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6154

Re: Ghosted by Best Buy?

Exactly. I thought this was just an accepted part of having a job until you developed skills which brought real value to a business. You might not think they are bringing "real value" but none of those businesses could function at all without those employees. But they could function with literally ...
by MaryO
Sun Jan 12, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6154

Re: Ghosted by Best Buy?

"Welcome to the Real World" outside the 99th percentile bubble. Exactly. I thought this was just an accepted part of having a job until you developed skills which brought real value to a business. You might not think they are bringing "real value" but none of those businesses could function at all ...
by MaryO
Sun Jan 12, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Waiver?
Replies: 12
Views: 1078

Re: Refinance - Appraisal Waiver?

When they say waiving the appraisal they are using an automated appraisal engine. There is no downside to the borrower to allow an automated appraisal if the value is not going to cause a problem with your LTV if you are close to 80%. For the borrower the appraisal fee will be credited back to you ...
by MaryO
Sun Jan 12, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6154

Re: Ghosted by Best Buy?

Jobs like that too often treat employees poorly. Then those same employers grumble when employees turn around and treat the job poorly. One of my many high school/college jobs was at a Toys R Us warehouse distribution center during my first year of college. I worked there for six months from 2000-0...
by MaryO
Sat Jan 11, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: When a bargain car loan is no "bargain"
Replies: 49
Views: 3586

Re: When a bargain car loan is no "bargain"

4. Believe it or not ---- spending money on cars is not writing checks to Satan. You do you bud, and I'll do me. :mrgreen: This is the perfect response. I always wonder why so much criticism is thrown at people who choose to upgrade utilitarian items, such as cars or clothing, into items that serve...
by MaryO
Fri Jan 10, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 5043

Re: At what point do you donate/trash/sell/gift your junk?

Me too. I think people tend to vastly overestimate the value of their possessions. Browsing garage sales and Facebook Marketplace certainly gives that impression. Much of what gets donated to Goodwill or other places ends up thrown away. May as well skip the extra steps and just trash it. Very true...
by MaryO
Fri Jan 10, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

The university of Chicago department of surgery has a good jazz band made up of its faculty and residents. Playing trumpet or sax would probably help you get a surgical residency there if your qualifications were otherwise adequate. This is super cool! Carnegie Mellon offers a scholarship for the b...
by MaryO
Thu Jan 09, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

I think many people over emphasis the importance of extracurricular activities when applying to colleges, what students should be focusing on is one the academic work (primarily grades), second they should foucs on something that they have a passion for (ie. chess, sports, music, building robots, p...
by MaryO
Thu Jan 09, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

I think many people over emphasis the importance of extracurricular activities when applying to colleges, what students should be focusing on is one the academic work (primarily grades), second they should foucs on something that they have a passion for (ie. chess, sports, music, building robots, p...
by MaryO
Mon Jan 06, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

Like others have said, just playing piano is not something that, in and of itself, will move the needle for college admissions. Your kid would need to major in music, and piano is a common instrument, relatively speaking, so the competition for it is higher. If you want your kid to get a music scho...
by MaryO
Mon Jan 06, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

Would like to hear some first-hand examples. This question sort of extends to any extra curricular activity like an art form or sports. Does it only help with College admissions when you can demonstrate that you are absolutely exceptional at it? Well, I don't have a firsthand example. But the gener...
by MaryO
Sun Jan 05, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7189

Re: Piano & college admissions

My wife and I didn't have the opportunity growing up to learn a musical instrument, so we are glad our kid is getting the opportunity and he is picking it up quite well. That statement is why you should give your child the gift of music lessons. It's impossible to say what the impact might be on co...
by MaryO
Sat Jan 04, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: EFC of 59K?! That is more than my net pay
Replies: 227
Views: 12902

Re: EFC of 59K?! That is more than my net pay

The first year of our first kids' year in college (2018) our efc was 33k with a household income in the low 100's, and we qualified for Stafford loans, and have every year since. I believe need is a factor (COA-EFC) rather than income directly. Yes, need is required for subsidized loans and is dete...
by MaryO
Sat Jan 04, 2020 3:42 pm
Forum: Personal Investments
Topic: Sister wants advice since I disagreed with her financial advisers.
Replies: 141
Views: 13785

Re: Sister wants advice since I disagreed with her financial advisers.

To build on my prior post on this page... I just re-read the OP. does the inherited IRA mean that a majority of her (relatively modest) current retirement assets were inherited from someone else? If so, this is a couple that, in their mid-30s, has combined to do the following: - Saved/invested less...
by MaryO
Fri Jan 03, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: EFC of 59K?! That is more than my net pay
Replies: 227
Views: 12902

Re: EFC of 59K?! That is more than my net pay

If you make $160k you can afford $59k per year for college if you so choose. I think it's not exactly roughing it to live on $100k minus taxes. Sure your savings rate will take a hit but why should that matter if you have chosen to pay that much for college? Who do you expect to pay for college whi...
by MaryO
Fri Jan 03, 2020 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: EFC of 59K?! That is more than my net pay
Replies: 227
Views: 12902

Re: EFC of 59K?! That is more than my net pay

You are all probably right - the other parents must be cutting back or stopping retirement savings (401K and Roth) and cutting into other areas to send their kids to these 60k+ schools. So, in essence they are investing in their children instead of their financial health in retirement. I guess that...
by MaryO
Fri Jan 03, 2020 9:35 am
Forum: Personal Investments
Topic: Sister wants advice since I disagreed with her financial advisers.
Replies: 141
Views: 13785

Re: Sister wants advice since I disagreed with her financial advisers.

Does this mean that his sister intends to stay at EJ but invest in Vanguard funds? As far as I know that's not possible. In fact, if you look up Vanguard at the below link on the EJ site, all the Vanguard funds are marked as "SELL ONLY". https://www.edwardjones.com/planfees/fees-compensation/mutual...