Search found 38 matches

by galving
Wed Oct 09, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 1882

Re: Pest Exterminator DIY

oldfatguy wrote:
Wed Oct 02, 2019 7:53 am
I'm guessing this is a regional thing? I've never known anyone in my entire life that had a monthly pest control provider.
Yes.
I would've written a similar comment after the 1st half of my life in the North. . .
In the South I've since learned that pest control is just another 'utility' bill.
by galving
Sat Sep 28, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3316

Re: Should I sell my BMW

BMW's are great cars though the maintenance does accelerate as the age. In my experience, (3 series only), you need to switch vehicles as they approach 7 years, or get pretty good at completing your own maintenance. Recent tough experience was with a 2011 328i, that I bought pre-owned and it was cle...
by galving
Sun Sep 22, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 8739

Re: Overpaid for my house, next options?

I also overpaid. You forget about it. What's done is done and it shouldn't affect future decisions in regards to this house. On the other hand, my wife was ready to kill me in my sleep if we didn't get the place, so perhaps I didn't overpay. This definitely limits your ability to negotiate. _______...
by galving
Wed Sep 18, 2019 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 3009

Re: Bogleheads in Oil and Gas?

I'm a little further downstream. Definitely remember the times when the conventional 'wisdom' was that the US would never be place to invest for manufacturing again. Less than a decade later the 'majors' are sinking billions into the USGC primarily for export of Ethylene derivatives. Saving is a goo...
by galving
Sat Sep 14, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 1774

Re: BMW - extended warranty?

I have never purchased the extended warranty, and have owned CPO/used BMW's over the years. Statistically, the key components are unlikely to fail before the end of the original warranty. To me and just about anyone I've ever asked (warranty salesman) cannot describe exactly what the warranty covers...
by galving
Fri Sep 13, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1290

Re: Need gift ideas for my parents

Write a book. . . A couple of years ago, I wrote a collection of short stories from your perspective about your family's experiences over the years. These are the stories everyone recalls during the holidays, and definitely pick the ones that you can laugh about. Most of these can be summarized to t...
by galving
Wed Sep 11, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Military folks: choosing state for residence
Replies: 9
Views: 1139

Re: Military folks: choosing state for residence

Florida is pretty attractive because of the lack of state income tax.
by galving
Mon Sep 09, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Life Changes - Help With Looking For Employment After 10 Years
Replies: 38
Views: 3886

Re: Hard Life Changes - Help With Looking For Employment After 10 Years

As in the title, I'm hoping that I can find some advice / encouragement / guidance from others here on the situation I find myself in now. I'm 36 years old. I've run my own business as a sole proprietor for the last 10 years in a creative field (not programming). I did well for a while but after a ...
by galving
Sun Sep 08, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3956

Re: Costco washer/dryer delivery: tipping?

When the job is done quickly, correctly, and the installers arrive at the appointment time.
I'd tip $20 bucks for a job well done.

Occasionally, I've filed claims when the installers for broken equipment, and or collateral damage to floors/hallways etc.
by galving
Sun Sep 01, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Improving soft skills
Replies: 35
Views: 3310

Re: Improving soft skills

Dale Carnegie - How to Win Friends & Influence People Scott Adams - How to Fail At Almost Everything & Still Win Big At some point you just have to get out there and Practice. Reframe your thinking about the social situation as something that makes you nervous, and look at it as an exciting challeng...
by galving
Sun Sep 01, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 5753

Re: How to help niece improve her driving

Assuming its not a 'physical' issue with her vision. There are a number of courses that companies use to train their sales people. This is 'hands on' training in your own vehicle, with professional driving instructors (former racers that really enjoy cars, how they work, and how to properly use them...
by galving
Thu Aug 29, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 5912

Re: College age male: How much money for food?

Retail cost of a case of Natural Light Lager is 11.49 USD x 4 weeks/month = $45.96/month.
by galving
Thu Aug 29, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Pay student loans early or invest?]
Replies: 21
Views: 855

Re: [Pay student loans early or invest?]

Max the 401k.
Then pay the debt because it makes sense.

Consider that you made the 'investment' in your education because it enabled a 'return'.
Assuming you stay employed, your 'return' is your salary and likely much higher than the average market return.
by galving
Thu Aug 29, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: downside of going to a competitive high school?
Replies: 49
Views: 3505

Re: downside of going to a competitive high school?

I recognize that there is a lot of 'optimization' that takes place regarding the right high schools that either didn't occur when I was in HS, or I was just completely unaware of it occurring. (Both are equally possible.) It would be interesting to see if going to a 'competitive high school' is stat...
by galving
Thu Aug 29, 2019 6:31 am
Forum: Personal Investments
Topic: Consolidate all my 401(k)s?
Replies: 16
Views: 1068

Re: Consolidate all my 401(k)s?

Consolidating likely improves your ability to transparently monitor your Asset Allocation.

I also have a rule to reduce complexity where I can, which frees up resources (my time).

Good luck
by galving
Sun Aug 25, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: advice for new grad daughter getting first apartment
Replies: 33
Views: 2290

Re: advice for new grad daughter getting first apartment

Thanks for all the responses. Yes, I agree - she can figure this out on her own. She did - she has chosen her apartment. Job starts next week. I am letting go ;-). She actually asked me if I was going to immediately drop her form my cell phone plan and car insurance (I said no). She will be fine I ...
by galving
Sun Aug 25, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 5755

Re: Manager is Interviewing Candidates (External) before Job is posted

As others have mentioned, I think its a smart move to sit down with your manager and inquire about the position. Done correctly, you signal your openness to learn, growth, and develop. Ask open ended questions, about the role and what the manager wants/needs for the successful candidate. Its been my...
by galving
Sat Aug 24, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Agreeing to part ways at job
Replies: 59
Views: 6592

Re: Agreeing to part ways at job

Sorry to hear about your situation. Breathe and take care of yourself first. I agree with the other suggestions. Contact an employment attorney and get represented by someone you trust. This situation is super emotional and makes it difficult for you to effectively negotiate. Having someone in your ...
by galving
Thu Aug 22, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17086

Re: White collars- How much is your work downtime?

Recommend that you use that time to find 'value' for your company or at a minimum learn a new skill. That should make it easy to outperform your typical peer. Imagine how much more effective your team, division, company could be. . . Keep that 'downtime' % in mind when you start your own company. Fu...
by galving
Tue Aug 20, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: New Dishwasher Issue - Update 2
Replies: 15
Views: 1104

Re: New Dishwasher Issue - Update

I come from a long line of mechanical ineptitude, and I've had a battle or two with the dishwasher. It's really not too difficult to pull the old (broken) one out of the way. Just think its already broken. . . so there's no downside to try to remove it. At this point, I'd defer to the experts on you...
by galving
Sat Aug 17, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3767

Re: Go for new job (more pay but travel) or stay?

Check with the family and make a 'team' decision.
I'd tend toward continuing to develop your 'skill stack' and growing. Always be learning.

If the travel becomes unsustainable, you can always shift in a new direction.
Good luck.
by galving
Tue Aug 13, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Mentoring in the office - what to expect?
Replies: 25
Views: 2852

Re: Mentoring in the office - what to expect?

Agree with several other posters . . . Listen. Your new mentor literally has years of experience that they can share. Ask your mentor open ended questions Why did you join the company? How did you get into X field? How can I be a better leader? How did you overcome adversity? What makes you successf...
by galving
Sun Aug 11, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5335

Re: NP degree worth the investment?

Strongly recommend asking what she wants to do and then move to support the team decision. Simple economics are below and I can forward the sheet if you're interested. Ultimately, depends on the assumptions that you make. Year 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 Discount Year 0 1 2 3 4...
by galving
Sun Aug 11, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8217

Re: No pay increase but increase in responsibility

What is your longer term career aspiration/target? Does the additional responsibilities move you closer to your goal or further away? Recommend that you play with the 'long game' in mind. Also agree with the other posters regarding prioritization, ultimately some non or lower valued tasks are comple...
by galving
Sun Aug 11, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: My mortgagor wants to sell a slice of the land. Thoughts?
Replies: 97
Views: 6462

Re: My mortgagor wants to sell a slice of the land. Thoughts?

I have a rule that I don't sell what I don't own. . . (Admittedly this might be unsophisticated though its worked so far.)
Bottom line is that I'd apply that rule and just say no until the mortgage is paid in full.
by galving
Sat Aug 10, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Overflowing/leaking gutters
Replies: 18
Views: 1243

Re: Overflowing/leaking gutters

Agree with the recommendations to get a Contractor/Gutter Specialist out there. There's plenty of online sizing tools that can help you estimate if you require additional downcomers or larger size gutters. After a couple of years of cleaning the gutters, I installed the leaf/debris guards. During on...
by galving
Sat Aug 10, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 11016

Re: Amazon Prime - Value?

Prime Shipping works quite well, likely because we're in a large city close to several warehouses. Without cable Prime Video is a key part of the TV entertainment package for the family. Also there are some benefits with the digital assistant (Alexa) streaming music, displaying pictures or whatever....
by galving
Sat Aug 10, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5202

Re: Real Estate Negotiation Came to a Halt

Pull your counter offer and wait. Its not surprising that the negotiation stalled given that the positions are ~200k apart. Feeling 'miffed' would tend to indicate that you are emotionally attached to the house/offer. . . expect the seller felt similar with your offer. There aren't many buyers at th...
by galving
Fri Aug 02, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8410

Re: Extreme Anxiety with Time/Money

There's only so much of 'You' to go around. . . ultimately you have to select priority items that you can devote your attention. When we were going through the same stage of life, new homeowners/wedding planning/2full time careers, we implemented a rule: "No projects after 9PM." Without fail any act...
by galving
Mon Jul 08, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Potential opportunity in Germany - Needs relocation from US
Replies: 6
Views: 903

Re: Potential opportunity in Germany - Needs relocation from US

Fully agree with JD Leonard. To better answer your questions, we'd need to understand if you were being delegated or taking a local contract. Assuming you're delegated, many of your questions have been defined as part of the 'package'. Taxes are complicated, though programs are generally designed to...
by galving
Mon Jul 01, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Best city/state to raise an autistic child?
Replies: 20
Views: 2803

Re: Best city/state to raise an autistic child?

NJ seems to have led the way with specific services over the last 20 years. A co-worker of mine took his child up there for ABA therapy. Things have gotten significantly better with improved understanding and access to service. In the end, quality of ABA comes down to the individuals helping your ch...
by galving
Sat Mar 30, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Question for swimming pool owners
Replies: 14
Views: 1663

Re: Question for swimming pool owners

Help me understand your reason to exclude the lights? Cost savings? No night swimming? As a % of the overall installation the pool lights are relatively small. Do specific pool codes require lighting? Our experience has been that the lights look very nice during parties, and allow our family to use ...
by galving
Tue Nov 27, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10370

Re: How did YOU choose your career?

I had a similar interest in Math & Science in High School. Chemistry was particularly interesting. Chemical Engineering was on the radar screen early and I targeted universities with strong programs that were large enough to allow exposure to other fields of study. Quickly found that 'Problem Solvin...
by galving
Sat Jan 28, 2012 8:32 am
Forum: Personal Investments
Topic: Upcoming Expat - Property Management Company Houston
Replies: 2
Views: 421

Re: Upcoming Expat - Property Management Company Houston

We left the Houston area for an expat assignment in 2009, and had a real estate management company look after our house. These companies are generally good about completing potential tenant background checks, organizing lawn services and/or repairs. Additionally, our company makes one interior visit...
by galving
Thu Oct 13, 2011 6:21 am
Forum: Personal Consumer Issues
Topic: LASIK experiences
Replies: 19
Views: 2343

I had LASIK done in 2000, and can highly recommend it.
10+ years later and I still have 20/20 vision.

I agree with mikenz. . . definitely money well spent.
by galving
Sun Jul 31, 2011 11:55 pm
Forum: Personal Consumer Issues
Topic: Grocery Shopping
Replies: 15
Views: 2313

I'm going to have to check Amazon out after we get back home. Here in Europe we order 90% of groceries online including fresh fruits & veggies. When you order you schedule a specific 4 hour 'pickup' window. It costs about 3 EUR for the service, but you can 'pickup' a large (150 EUR) in less than 10 ...
by galving
Sat Jul 23, 2011 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Housing dilemma
Replies: 34
Views: 5293

Forever House

Absolutanne, 3 years ago I could have written your post. After 10+ years in Louisiana, our companies relocated us to Houston. We found a house that we loved, in a Houston suburb. It was our 'Forever House', or at least the next 10-year house. 10 months later we were relocated overseas. Renting in an...