Search found 163 matches

by galving
Mon Jul 13, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 52
Views: 2465

Re: Car, Remodel or Pool?

Hi All, A very happy Sunday to all. My DW and I are at a crossroads and would love to get input from the great minds of people on this forum. I always found the posts here extremely insightful. My DW and I are looking at the pros / cons of upcoming major purchase or remodel and want to see what wou...
by galving
Mon Jul 13, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 52
Views: 2465

Re: Car, Remodel or Pool?

Hi All, A very happy Sunday to all. My DW and I are at a crossroads and would love to get input from the great minds of people on this forum. I always found the posts here extremely insightful. My DW and I are looking at the pros / cons of upcoming major purchase or remodel and want to see what wou...
by galving
Fri Jul 10, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Law Plan for my Parents & Cost: Move forward?
Replies: 11
Views: 1770

Re: Elder Law Plan for my Parents & Cost: Move forward?

Hi BH's, **Scroll down in this thread and you will see a detailed overview of my parents' circumstances... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=224118 Looking back on the post above, you'll see there have been questions as to how my parents handle a "spend down" plan, and how they c...
by galving
Tue Jun 30, 2020 7:53 am
Forum: Personal Finance (Not Investing)
Topic: I am thinking about life insurance incorrectly?
Replies: 40
Views: 1946

Re: I am thinking about life insurance incorrectly?

Rule of thumb was 7 x income, so $170k x 7 puts you at about $1.2 Mio. With the $1 Mio policy you're probably ok and within the margin of error. We took out term insurance just before our son materialized and we're in a similar situation. Now our incomes are higher and we'd be well below the 7 x thr...
by galving
Tue Jun 30, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 104
Views: 7604

Re: Question - Reloc to TX

What are the typical electricity costs for a small apartment there in the summer? I have got info anywhere from $130-250, that is quite a variation. Currently my electricity bill here in CA is $60/month in the peak months, I have all electric but no AC though, just running the fan. Utilities are di...
by galving
Tue Jun 30, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 104
Views: 7604

Re: Question - Reloc to TX

Wouldn't you expect the property taxes to be included as part of the rent?
Assuming that's the case, this wouldn't be a factor in your rent/buy decision.
by galving
Tue Jun 30, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan?
Replies: 10
Views: 987

Re: Pay off car loan?

I just sold my house and I’m sitting in a lot of equity. I have no debt except for a car loan that I signed up for a few months ago, a 7 year loan at 4.24%. When I took the loan the plan was to pay it off within the year and that time has come. So to summarize: I will end up with no debt. portfolio...
by galving
Tue Jun 30, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3626

Re: Job candidate sending messages via LinkedIn

Ignore the message, especially because you didn't even interview this candidate. You don't owe an explanation to anyone. If it were a pattern, I'd definitely refer it back to HR and the recruiter If you had a prior relationship with the candidate, I might take a different tact less focused on the jo...
by galving
Mon Jun 29, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16364

Re: What is the best financial decision you ever made?

Getting married to another engineer!
Smart, disciplined, and not afraid to commit to a long term plan.
We've lived within our means, and been very blessed.
by galving
Mon Jun 29, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 152
Views: 13134

Re: Hopeless Civil Engineer

Hi guys, I went to college for Civil Engineering thinking that I'd be making good money, but i'm 10 years in the consulting business and I'm still only making 70-80k and that's after joining the top civil engineering firm in my industry. I thought about going back to school to get a degree like law...
by galving
Sat Jun 27, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 53
Views: 2893

Re: DVR for OTA TV

You get what you pay for. For value, features and convience its impossible to beat a Tivo. They sell an OTA model designed specifically for use with HD antenna and internet streaming. It does all the work flawlessly recording what you want, inserts skips for commercials, updates itself on several t...
by galving
Mon May 25, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 16
Views: 1243

Re: Thin, long lasting athletic socks?

I've standardized on Saucony running socks because they're comfortable and pretty resilient. https://smile.amazon.com/Saucony-Ventilating-Performance-Comfort-No-Show/dp/B0749V13NP/ref=sr_1_1?crid=1PJQBA54CPHTE&dchild=1&keywords=saucony%2Bmens%2Bsocks&qid=1590414733&refinements=p_89%3ASaucony&rnid=25...
by galving
Fri May 22, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3634

Re: Do you dislike recurring billing for gyms?

UpperNwGuy wrote:
Thu May 21, 2020 8:42 am
I dislike all forms of autopay.
Yes!
I'd rather pay once and done even though rationally I know its best to hold $$$ from a time value of money perspective.
by galving
Sun May 17, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2527

Re: Beach Vacation Suggestions

Our favorites have been Tybee Island GA and a little further south into St. Augustine Florida.

We also just cancelled our Hawaii vacation because we were up against a cancellation deadline and HI seemed to be hyper aggressive with their lockdown orders.
by galving
Sun May 17, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: College Student: The Lost Summer
Replies: 10
Views: 1744

Re: College Student: The Lost Summer

I would guess that a family would hire her for child care duties during the summer since camps are not going to happen. I'm sure your daughter has already thought of this. That is: Just because day cares are closed does not mean that parents do not need child care. Get on it. Agree the demand for N...
by galving
Sat May 16, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 62
Views: 5862

Re: Rent is increased by 6%, negotiation tips?

Start with 'No Thanks'. Then prepare to move to your next best alternative. $200/month benefit you probably have <1 year payback. Just get ready to go. Of course it depends on the history, how long it's been since your last rent increase though a 6% increase seems totally out of line with the rest o...
by galving
Wed May 13, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11437

Re: Dentist charges $10 for PPE

I just had a cleaning/exam visit with my dentist. I have insurance and the bill for my cleanings generally does not have a co-pay. However, this time she charged me $10 to pay for their PPE. I really like this dentist and have never had a problem with her before, so I just paid it and left. Shouldn...
by galving
Fri May 01, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5582

Re: Drivers license Cancelled

I read that North Carolina was granting licenses for kids without a driving test, "as long as they have their parents permission". Their DMV web page still lists all the usual tests. https://www.ncdot.gov/dmv/license-id/driver-licenses/new-drivers/Pages/license-learner-permit.aspx Or were you kiddi...
by galving
Thu Apr 30, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5582

Re: Drivers license Cancelled

I read that North Carolina was granting licenses for kids without a driving test, "as long as they have their parents permission".
by galving
Thu Apr 30, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Ridiculous HVAC Duct cleaning quote
Replies: 51
Views: 4809

Re: Ridiculous HVAC Duct cleaning quote

livesoft wrote:
Thu Apr 23, 2020 3:38 pm
Maybe for that price I could have all the ducts replaced in my house.
Exactly just upgrade to the best R value material for that amount of money.
by galving
Fri Apr 17, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Runners -Anyone use the old fashion Shoe Goo??
Replies: 30
Views: 1408

Re: Runners -Anyone use the old fashion Shoe Goo??

I just replace the shoes prior to the need for the shoe goo.
Lot's of folks say that the highly cushioned shoe translates to injuries. . . better to feel the missteps early and correct your stride quickly.
Good luck!
by galving
Wed Apr 15, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1502

Re: Where have you eaten out recently?

Our last meal "out" was on March 12th, but we've gotten pizza a couple times from the Mellow Mushroom (Atlanta area). We like the pizza and it's close to home, and we want them to be there when things open up again. Tip generously! Fully agree. We want our favorite 'pub' to continue to be all the w...
by galving
Wed Apr 15, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2634

Re: At what point is it necessary to cut down dead trees?

Before Hurricane season (June 1). . . recognize that's only applicable in certain areas of the country. If funding is not an issue, it should be possible to have workers effectively do the work without any interaction. There are multiple companies touting their ability to complete 'no touch' service...
by galving
Wed Apr 15, 2020 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2582

Re: Quarterly Taxes

Holding the same schedule, if only for a bit of normalcy.
by galving
Mon Mar 30, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1203

Re: LG dishwasher broke again! Advice..

Wirecutter.com recommends a couple of Bosch and one Kitchenaid model https://thewirecutter.com/reviews/the-best-dishwasher/ Consumer Reports generally has good evaluations of features. Sadly libraries in many cities are currently closed. Might be worth paying for digital access for one month to get...
by galving
Sun Mar 29, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2347

Re: Should I get Life Alert, or similar?

Maybe I should try harder always to have my cell phone within arm's reach? Wonder if a couple of Alexa or Google Home devices strategically distributed around the home would be a sufficient substitute. While I think they don’t support 911 numbers, you could perhaps call a non emergency police numbe...
by galving
Sun Mar 29, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6629

Re: What's worth paying more for?

Belgian beer and German automobiles.
by galving
Sun Mar 29, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: garage projects
Replies: 21
Views: 1636

Re: garage projects

How about a butcher block table? I've always wanted one of those.
I love and admire the skill it takes to create something from a stack of wood.
I know exactly how it should look, just completely lack the skill to make it so. . .
by galving
Sun Mar 29, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: we live in westchester, kids in nyc, bring them home?
Replies: 5
Views: 686

Re: we live in westchester, kids in nyc, bring them home?

Agree.

Keep the kids where they are. . . it avoids any accidental vectors into your house.
My parents are in a similar situation, and just need to be patient and 'hole up' in the house for a while.

Hang in there.
by galving
Thu Mar 26, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Worth It?
Replies: 88
Views: 6053

Re: MBA Worth It?

No MBA here. Also in the firm 'why is it needed?' camp. . . though I fully admit my bias. Understand that it might be a lever to change industries. If that's the case, then I'd take the least expensive approach possible. Alternative to a scholarship, is there a way her current company could fund the...
by galving
Thu Mar 26, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1810

Re: My treadmill broke. Now what?

If you're looking to switch from a treadmill to elliptical. . . consider a Precor, we bought one in 2003 dragged it around the USGC over to Europe and back. It survived at least 5 moves. In 17 years, we serviced it once, and have just recently given it to a friend. The elliptical is significantly ea...
by galving
Tue Mar 24, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 10998

Re: Daycare closed

Mine sent packets of material home. Figured that was there way or saying we are keeping the tuition. Same here. I actually provided feedback that I understood that school tuition was a fixed cost and not to try and BS that the virtual learning + packets was somehow equivalent. It would just be a be...
by galving
Sun Mar 22, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Home services in time of COVID_19
Replies: 7
Views: 604

Re: Home services in time of COVID_19

Lawn service continues. We cancelled the cleaning team because they were a vector for exposure. We have no idea how many other customers they have, and it just increased the circle of contact. Taking temperature of the service providers seems completely inadequate, and presents other concerns. Who's...
by galving
Sat Mar 21, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4304

Re: Pay fed tax now - or July 15?

I owe $7.5k in taxes this year. The funds are ready to go. Question: what's better? [1] Pay now or [2] Wait till the new deadline: July 15 I would "feel better" just pulling off the band-aid now but OTOH I could imagine that tax bill being postponed even further or *gasp* eliminated! :? Thoughts? I...
by galving
Fri Mar 20, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 39
Views: 3256

Re: Tipping in the time of Coronavirus

mhc wrote:
Fri Mar 20, 2020 10:37 am
If the federal government gives me $1k, I plan on using it on increased tips and helping people who need the $1k more than I do.
Fully agree.
Its important to get the $$ back into the economy and moving again.
by galving
Fri Mar 20, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Under contract on home...thoughts?
Replies: 21
Views: 1592

Re: Under contract on home...thoughts?

Assuming your offer allows negotiation of any inspection issues, I think you have strong leverage to get issues fixed. I do not think you can realistically negotiate on roof and probably not paint, as you saw the house and should know the condition of the paint. Sellers right now should be quite an...
by galving
Fri Mar 20, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: Whole Foods food delivery via Amazon
Replies: 6
Views: 966

Re: Whole Foods food delivery via Amazon

I got my first Whole Foods home delivery yesterday by ordering through my Amazon account. Overall, I was satisfied and would like to continue to place orders while we pretty much stay home during the coronavirus pandemic, at least for now. I have used FreshDirect in the past and was curious about s...
by galving
Wed Mar 18, 2020 8:06 pm
Forum: Personal Investments
Topic: Extra Cash [where to deploy?]
Replies: 7
Views: 721

Re: Extra Cash [where to deploy?]

Possible... but I find it unlikely because of the general demographics of the United States. Millenials are right at the point of having/starting families and their shear number (90 Mio) will drive demand to a much larger extent than Gen X. What is interesting is some general trends against globaliz...
by galving
Wed Mar 18, 2020 7:32 pm
Forum: Personal Investments
Topic: Doing the right thing?
Replies: 10
Views: 1031

Re: Doing the right thing?

Do it. . . get in.
There's probably upside in Energy and Chemicals in the next 3-5 years.
by galving
Wed Mar 18, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Telework Problems: Home Office Chair Recommendation please
Replies: 14
Views: 1293

Re: Coronavirus Telework Problems: Home Office Chair Recommendation please

It's going to be a while. My company started with a 30-day work from home. Buy the exact chair that you have in the office if it works in your home office space. It's simply not worth an injury. I actually had a soft tissue injury from too much mousing that irritated my ulnar nerve. Literally, could...
by galving
Wed Mar 18, 2020 7:26 pm
Forum: Personal Investments
Topic: Extra Cash [where to deploy?]
Replies: 7
Views: 721

Re: Extra Cash [where to deploy?]

What does your Investment Policy Statement say?
To be honest, it would be a great time to implement a simple 3-fund portfolio and/or just buy the market.
by galving
Wed Mar 18, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25987

Re: Why are people selling? Disappointed in people here...

Life has taught me that there is a wide distribution of people/opinions on nearly every topic.
Here's to being 3 sigma above the mean!
by galving
Tue Mar 17, 2020 5:19 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52831

Re: How Is Your Job Being Impacted By The Current Crisis?

Working from home. Things are a little more challenging with webex only meetings. I'm a little further removed from the wellhead, though the significant moves on crude oil will trickle (slam) into the downstream derivatives. In the past, I ran a business that made a precursor for surfactants (soap p...
by galving
Tue Mar 17, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Drone Purchase: Aerial View of Forest
Replies: 5
Views: 340

Re: Suggestions for Drone Purchase: Aerial View of Forest

Just purchased the dji Mavic Mini. (I collected enough points from my works wellness plan to buy it.) Its easy to fly, and takes some great pictures. It integrates with your phone to control the drone, though it doesn't use your data plan. We're in an unrestricted zone, and this drone is small enoug...
by galving
Mon Mar 16, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - should I get out of it now?
Replies: 40
Views: 3679

Re: Buying a house - should I get out of it now?

You have to be 'ok' with losing the house that you love. I'd likely step back from the deal, even if it cost the deposit because I tend to not like to 'stretch' and I've bought houses at the top of the market. You mentioned that you are in the process of selling your house. How would you react if th...
by galving
Fri Mar 13, 2020 11:52 am
Forum: Personal Investments
Topic: 25. 65K in cash. What to do?
Replies: 9
Views: 1172

Re: 25. 65K in cash. What to do?

Check the 'Getting Started' wiki https://www.bogleheads.org/wiki/Getting_started It's a lot to learn, and plenty of fun with help and support from the folks on the forum. Debt - ? Emergency Fund - 6 months of expense (check) Retirement Savings - 401k, Roth IRA Long Term Goals? Risk Tolerance Good lu...
by galving
Fri Mar 13, 2020 6:53 am
Forum: Investing - Theory, News & General
Topic: How is this pandemic different than 2008?
Replies: 137
Views: 7513

Re: How is this pandemic different than 2008?

Things need to get a lot worse before comparing to past disasters. Roughly 40,000 people die in the US every year from the flu. I think we need to get far beyond that to call this a disaster, 500,000? Have there been 50 deaths yet in the US? I agree that the total annual number of deaths for the fl...
by galving
Fri Mar 13, 2020 6:29 am
Forum: Personal Investments
Topic: Thoughts on expediting maxing out 401k
Replies: 9
Views: 492

Re: Thoughts on expediting maxing out 401k

As a side note. We are in the 99th percentile of company 401K benefits... And I still have to "sell" it to employees. You can't win an argument with stupid - they drag you down to their level and beat you with experience. Understand completely. . . I had to explain a 401k match to a relative (very ...
by galving
Fri Mar 13, 2020 6:17 am
Forum: Personal Investments
Topic: Thoughts on expediting maxing out 401k
Replies: 9
Views: 492

Re: Thoughts on expediting maxing out 401k

Bonus is generally paid in as part of paycheck in March and a certain % of that is automatically invested in the 401k fund. This generally accelerates hitting the $19.5k limit relatively early in the year. Our mega corp allows a default after tax contribution to ensure that we can get the match thro...