Search found 640 matches

by curly lambeau
Tue Apr 10, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 15298

Re: Ivy school education. Is it worth it?

I have no problem people studying whatever they want. There are some who feel strongly about a liberal arts education. But I do think that this should be down with your eyes open though in terms of cost: loans, salary, and payback. From a more global perspective, it is the perceived-high-ROI majors...
by curly lambeau
Tue Apr 10, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 15298

Re: Ivy school education. Is it worth it?

The average early salary for business school graduates from the University of Illinois is $57,700 while University of Chicago has an average early salary of $3K less at $54,700. Yet University of Illinois is $31,400 per year while University of Chicago is $74,000. The University of Chicago has no u...
by curly lambeau
Tue Jan 06, 2015 4:25 pm
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 7084

Re: Keurig Coffee Makers

I make small pots and single cups all the time by using an electric kettle and a simple Melita filter. For personal use I don't see any convenience advantage to the Keurig, and the coffee isn't good. I can understand why they're popular in offices.
by curly lambeau
Sat Jan 03, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: New equity funds in TIAA plan; please help w/allocation
Replies: 3
Views: 639

Re: Employer added equity funds, please help with allocation

Thank you for the reply! I edited the title, and also added the multi-asset Lifecycle funds that I missed initially. These Lifecycle funds invest in 17 (!) different TIAA CREF funds. Our family also has ROTH IRAs at Vanguard where we approximate the 60 Total US/40 Total Int'l ratio. But for the last...
by curly lambeau
Fri Jan 02, 2015 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: New equity funds in TIAA plan; please help w/allocation
Replies: 3
Views: 639

New equity funds in TIAA plan; please help w/allocation

We have some new funds in our TIAA CREF plan. I have been putting all my equities into CREF STOCK since I took this job. But now I notice some Vanguard and DFA options and need to rethink what I'm doing (and perhaps move existing funds out of CREF STOCK). Here are my equity options: CREF STOCK (.46 ...
by curly lambeau
Fri Jan 18, 2013 3:55 pm
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 16655

Re: Your most intense movie scene

The Soviet WWII film "Come and See" (1985). Pretty much every single scene qualifies for this thread. It's on a much higher intensity level than Full Metal Jacket ,Deerhunter, Apocalypse Now, etc. I can't think of anything else that comes close to it.
by curly lambeau
Tue Apr 10, 2012 2:53 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 274128

Re: Best watch for around $5,000?

In fact, most high end watch brands aren't even known by the average person, so impressing someone isn't the objective. You don't really believe that impressing someone can't be the objective if the object isn't known to the average person, do you? Are you just making a claim about your motivation?...
by curly lambeau
Thu Apr 05, 2012 4:33 pm
Forum: Investing - Theory, News & General
Topic: How would a Boglehead respond to this?
Replies: 135
Views: 7355

Re: How would a Boglehead respond to this?

What kind of watch was the pitchman wearing?
by curly lambeau
Thu Apr 05, 2012 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28218

Re: If I listened to Dave Ramsey

This is likely the page that causes most Bogleheads such consternation. http://www.daveramsey.com/article/the-truth-about-investments/lifeandmoney_investing/ When you take the bait and click on the ELP link, you see: "A free service to help you find local professionals with the heart of a teacher."...
by curly lambeau
Thu Apr 05, 2012 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28218

Re: If I listened to Dave Ramsey

It makes no sense to me, since Dave Ramsey is not a Boglehead.
by curly lambeau
Thu Apr 05, 2012 9:35 am
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 83
Views: 6032

Re: Which College? 3 years or 4 years?

I typically assume that most of the direction members give on this forum is accurate and the best advice possible, but reading through the replies in this thread (about a topic which I am very informed about), it makes me have second thoughts. Well, as a graduate of a top 10 ranked ARWU school, let...
by curly lambeau
Tue Apr 03, 2012 3:09 pm
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 83
Views: 6032

Re: Which College? 3 years or 4 years?

1. Vanderbilt Univ---- Scholarship 175 K ------------out of pocket 45 K 2 Emory---------------------------------60 K-----------------------------150 K 3 Univ of Florida, Miami-------------96 K------------------------------100 K 4 Case Western ----------------------40 K -----------------------------...
by curly lambeau
Fri Mar 30, 2012 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Starter IRA for grown stepchildren
Replies: 17
Views: 1132

Re: Starter IRA for grown stepchildren

You need $3000 to open an IRA at Vanguard. You only need $1K for STAR and the Target Retirement funds. To open an IRA? The fund minimum for Star and TR is clearly $1000. Whether you can open an IRA for less than $3000 is an entirely different issue. See here: https://personal.vanguard.com/us/whatwe...
by curly lambeau
Thu Mar 29, 2012 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Starter IRA for grown stepchildren
Replies: 17
Views: 1132

Re: Starter IRA for grown stepchildren

You need $3000 to open an IRA at Vanguard.
by curly lambeau
Thu Mar 29, 2012 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28218

Re: If I listened to Dave Ramsey

You still don't get it. Dave tells everyone to go 100% in stocks. Therefore in 2008 most of Dave's listeners lost a TON! I guess the theory is that the Ramsey-affiliated financial advisers will use their 5% front-end loads to find super-secret super-funds (with 2% expense ratios) that are guarantee...
by curly lambeau
Thu Mar 29, 2012 4:31 pm
Forum: Personal Consumer Issues
Topic: access email at work
Replies: 53
Views: 4756

Re: access email at work

Your workplace may frown on this (the one smart IT guy at my workplace who understood what I was doing didn't care since it didn't create any entries in any log showing me trying to access blocked sites through their firewall), but I always used an SSH tunnel to my Linux boxen at home. It gives you...
by curly lambeau
Thu Mar 29, 2012 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to get aid for College
Replies: 27
Views: 2328

Re: Ways to get aid for College

I read the FAFSA thread that 555 started with interest. As an immigrant, I did not have to go through the financial aid brouhaha for undergrad studies. For grad school, I had assistantships throughout so that didn't help with what I am about to ask. My question is: What are the various avenues of f...
by curly lambeau
Thu Mar 29, 2012 11:57 am
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28218

Re: If I listened to Dave Ramsey

P.S. About the Beealive stuff linked above (which I had never before heard of), I doubt that Dave did the testimonial for the millions of dollars that must come in from that deal! He obviously must like the stuff, and what's the problem with helping that business by telling people? I think you're b...
by curly lambeau
Tue Mar 27, 2012 12:47 pm
Forum: Investing - Theory, News & General
Topic: Money Magazine is bad for me
Replies: 55
Views: 6216

Re: Money Magazine is bad for me

Tune on, turn in, drop out!
by curly lambeau
Tue Mar 27, 2012 10:26 am
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28218

Re: If I listened to Dave Ramsey

His investing advice is garbage for everyone, Boglehead or not. I find the defense of Ramsey mystifying. His audience is not sophisticated enough to handle a credit card, but is sophisticated enough to handle the load fund schills to which Ramsey steers them? He is a snake oil salesman. No, literall...
by curly lambeau
Mon Mar 26, 2012 3:31 pm
Forum: Personal Consumer Issues
Topic: Setting up an investments only PC
Replies: 90
Views: 7677

Re: Setting up an investments only PC

What is the purpose of using a whole PC for this, when you could simply use an encrypted bootable USB stick with Linux to get the same outcome? Using a Live USB stick in no way requires writing to the hard drive. It doesn't even need to mount the hard drive. For the sake of argument I'll grant that ...
by curly lambeau
Thu Jan 12, 2012 12:11 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 64
Views: 9020

Re: Coffee

Almost no drip coffee machines get the water hot enough to brew coffee properly. They just drop tepid water through the coffee and then heat it up on a plate. It's much better to simply boil the water in an electric kettle and pour it through a Melita filter into a pot. French press is OK but requir...
by curly lambeau
Tue Jan 10, 2012 4:51 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3282

Re: Bike riders with no lights at night

I think being in a car and seeing a bicyclist arouses something primal, especially in male drivers, which makes them more aggressive. For *some* drivers this is true. Those who do nothing but drive have no concept of this. Many people are so completely accustomed to driving that they treat their au...
by curly lambeau
Tue Jan 10, 2012 1:52 pm
Forum: Personal Consumer Issues
Topic: furnace heated the house at 85° for 17 days
Replies: 47
Views: 4528

Re: furnace heated the house at 85° for 17 days

^ Agreed 100% on that one! I really can't believe you're even entertaining the possibility of seeking compensation from a pet-sitter for your heating bill. The comparison to flooding is pretty ridiculous IMO, and even then the pet sitter wouldn't be responsible. She didn't think anything of it becau...
by curly lambeau
Mon Jan 09, 2012 11:43 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3282

Re: Bike riders with no lights at night

investor.saver1 wrote:I laid on my horn as I passed the bike (no lights...just reflectors on the bike's pedals). I'm certain the guy thinks I'm a crud because I laid on my horn. vectorizer wrote:Forum rules prevents me from writing exactly what I'm thinking right now, but blasting your horn at the ...
by curly lambeau
Mon Jan 09, 2012 10:55 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3282

Re: Bike riders with no lights at night

He almost certainly does have the right to be in the road, if that location is like the vast majority of this country. His feelings have nothing to do with it. You, however, do not have the right to use your horn in that way. What possible purpose did that serve, when your headlights already warned ...
by curly lambeau
Mon Jan 09, 2012 8:48 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4915

Re: Glad it wasnt an accident but what were my options

Personally, I would not have honked at him for what probably was jaywalking. Of course the pedestrian was wrong to have over reacted. The pedestrian was confronted by a man with a deadly weapon. How do you expect him to react? That is the first I have heard any mention of a deadly weapon. I did not...
by curly lambeau
Mon Jan 09, 2012 6:06 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4915

Re: Glad it wasnt an accident but what were my options

So I am at a stop sign, and waiting to turn right onto a 5-lane road(2 lanes each way, plus a turning lane) with a 45mph speed limit. Its a busy road with lots of businesses around where I turn. Sometimes it can take upto a minute before you get the opportunity to turn. I get the opportunity to tur...
by curly lambeau
Sun Nov 06, 2011 9:47 am
Forum: Personal Consumer Issues
Topic: Funeral costs
Replies: 76
Views: 11770

Re: Funeral costs

I'm astonished at the shady deals and outrageous expenses detailed here! What a racket---most customers aren't going to examine the bill or haggle. (Walter Sobchak is surely an exception: http://www.youtube.com/watch?v=vKjBFsyYC0g) Thanks for the information. I'll be sure to demand that my relatives...
by curly lambeau
Wed Oct 12, 2011 4:18 pm
Forum: Personal Consumer Issues
Topic: Advice for buying a new Laptop
Replies: 91
Views: 11074

That said they do have some disadvantages, not as open of a operating system as Windows (less freedom) How is Mac OS any less "open" than Windows? Half of Mac OS's source code is freely available and nothing on it is locked down. You can run whatever you want on OS X and the whole foundation of the...
by curly lambeau
Wed Oct 12, 2011 4:06 pm
Forum: Personal Consumer Issues
Topic: Packers' stock sale approved by NFL
Replies: 4
Views: 931

The stock pays no dividend but you can still sell the shares if your an ordinary investor. Only the owner can't sell his shares, he or she can only give them to family members. What's the point of buying stock if it doesn't make you the owner? For several of the stock sales, preserving the very exi...
by curly lambeau
Wed Oct 12, 2011 11:01 am
Forum: Personal Consumer Issues
Topic: Advice for buying a new Laptop
Replies: 91
Views: 11074

The prices in the original post are crazy IMO. You're paying double/triple what you should pay. Pay $4-600 and then buy another one in a couple years. Consider that you're buying a new laptop because the previous one broke. They all break, and in college they break faster. Anyway these things change...
by curly lambeau
Fri Oct 07, 2011 2:52 pm
Forum: Personal Consumer Issues
Topic: Ebay versus Negotiating Behind the Scenes
Replies: 18
Views: 2044

Re: Ebay versus Negotiating Behind the Scenes

I am new to Ebay. I made my first sale recently but my buying experience has been frustrating. I have lost two auctions at the last minute. Why would anyone want to do this when they can negotiate with any seller of a product and usually get a lower price. Those people were willing to pay more than...
by curly lambeau
Thu Aug 25, 2011 11:51 am
Forum: Investing - Theory, News & General
Topic: 8-24-2011: Steve Jobs Resigns as CEO
Replies: 66
Views: 7496

People tend to think that Steve Jobs is (was) Apple, 100%. But that's just not the case. <snip> How about that period in the 90's when there was no Steve Jobs at Apple at all? They actually did some good stuff. The move to the PowerPC chip, licensing Mac OS to other manufacturers, the first PDA (Ne...
by curly lambeau
Wed Aug 24, 2011 4:04 pm
Forum: Personal Consumer Issues
Topic: tryin to get the most alcohol for the buck for college party
Replies: 99
Views: 10493

EmergDoc wrote:
fratdude wrote:you guys rock, you must have had quite the time in college
I love the underlying idea to the entire thread- that it's impossible to have a good time without alcohol.
You may be confusing necessary and sufficient conditions there.

Bottoms up!
by curly lambeau
Tue Aug 23, 2011 10:37 am
Forum: Personal Consumer Issues
Topic: Cost of eating a healthful diet
Replies: 174
Views: 17239

Gas station asparagus really gave me a good laugh, thanks for that one! Wow. I'd like to see some of you survive for a month in the deep south or west side of chicago with kids to take care of, no help, and nothing but CTA fare and your gas station asparagus. :lol: See how hard that is, then imagin...
by curly lambeau
Tue Aug 23, 2011 10:05 am
Forum: Personal Consumer Issues
Topic: Cost of eating a healthful diet
Replies: 174
Views: 17239

Gas station asparagus? Wow. I'd like to see some of you survive for a month in the far south side of chicago with kids to take care of, no help, and nothing but CTA fare and your gas station asparagus. You aren't going to be a quick L ride from Trader Joe's, the Chinese market, or even a verdant gas...
by curly lambeau
Tue Aug 23, 2011 9:42 am
Forum: Personal Consumer Issues
Topic: [del]
Replies: 56
Views: 8612

Can you unlink your bank account if you also receive payments? Can you withdraw money by having them send money to your credit card account?

I'm just wondering whether this advice to unlink you bank applies to occasional sellers, too.
by curly lambeau
Thu Aug 18, 2011 1:56 pm
Forum: Personal Consumer Issues
Topic: Would Tor protect me from snooping employer?
Replies: 22
Views: 6246

Depends on who's wireless network it is. I'm not familiar with Tor but regardless, if you tap into work wireless, there will be a trail no matter what software you're running. If you're on your own wireless, you're okay. If I understand correctly, all my employer would see is that I'm hooked up to ...
by curly lambeau
Wed Aug 17, 2011 10:50 am
Forum: Personal Consumer Issues
Topic: Learning Spanish?
Replies: 58
Views: 7538

I like listening to short childrens' books or fables over and over again until I have them almost memorized. You can find lots of free ones online. I don't know of any good sources for spanish ones. Here are the german ones I used: http://www.vorleser.net/html/kinder-hoerbuecher.html Brother's Grimm...
by curly lambeau
Sun Aug 14, 2011 6:09 pm
Forum: Personal Consumer Issues
Topic: Best electronic Reader?
Replies: 23
Views: 2745

I bought the discounted Special Offers Kindle and love it.

I haven't connected it wirelessly in weeks and thus it no longer shows advertisements. The ads didn't bother me anyway.
by curly lambeau
Sat Jul 16, 2011 10:21 am
Forum: Personal Consumer Issues
Topic: Editing Audio on Computer
Replies: 10
Views: 1136

Audacity is good but if you are dancing, and you want to match the beats at the transition, you need something like this I think.
http://www.mixxx.org

It's also free and open source.
by curly lambeau
Fri Jul 15, 2011 11:38 am
Forum: Personal Consumer Issues
Topic: Wi-Fi–Hacking Neighbor From Hell Sentenced to 18 Years
Replies: 36
Views: 4612

If you want to fool around with trying to test your home network, or are curious how people crack wireless networks, you can boot this software from a CD or thumbdrive:

http://www.backtrack-linux.org/
by curly lambeau
Fri Jul 15, 2011 12:19 am
Forum: Personal Consumer Issues
Topic: Wi-Fi–Hacking Neighbor From Hell Sentenced to 18 Years
Replies: 36
Views: 4612

In addition to enabling WPA2, you can disable SSID broadcasting (so that nearby computers won't see your network advertised) and enable your access point's MAC address access list feature, if any. This is totally useless for repelling anyone capable of hacking your wireless IMO. Nobody hacking your...
by curly lambeau
Thu Jul 14, 2011 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey and Credit Cards: Have I made a huge mistake?
Replies: 45
Views: 8548

Re: Dave Ramsey and Credit Cards: Have I made a huge mistak

For one thing, it's a well-known fact that the best way to build a good credit history is to pay all your bills on time. What "bills" are you talking about? Only items that are reported to credit bureaus will affect your score. Generally, only credit situations, revolving charge, auto loans, mortga...
by curly lambeau
Wed Jul 13, 2011 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey and Credit Cards: Have I made a huge mistake?
Replies: 45
Views: 8548

Re: Dave Ramsey and Credit Cards: Have I made a huge mistak

For one thing, it's a well-known fact that the best way to build a good credit history is to pay all your bills on time. Is that right? Credit utilization and age of credit lines appears much more important. In fact paying regular bills late has no effect on credit until the account is delinquent a...
by curly lambeau
Wed Jul 13, 2011 4:03 pm
Forum: Personal Consumer Issues
Topic: [Securing a] Home Defense Rifle
Replies: 175
Views: 19119

I strongly suggest watching this video by a law prof on your 5th amendment rights and why you should always exert them, even if you are innocent of any crime and will only tell the police true things: http://www.youtube.com/watch?v=i8z7NC5sgik&feature=related The police will be there to investigate ...
by curly lambeau
Wed Jul 13, 2011 3:36 pm
Forum: Personal Consumer Issues
Topic: [Securing a] Home Defense Rifle
Replies: 175
Views: 19119

So all of you with guns for home protection, what is your plan to deal with the aftermath of a shooting? Have you thought that through?

It would be insanely foolish to talk to the police after shooting someone. I mean, of course you call them, but you don't talk to them without a lawyer.
by curly lambeau
Wed Jul 13, 2011 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey and Credit Cards: Have I made a huge mistake?
Replies: 45
Views: 8548

That may be true for the average person on this forum but the average person in America spends 12% more when using credit versus cash and thus the cash back only lessons the damage 1)Who did this research? 2)It's obvious that people will 'spend more' with a credit card since only a minority will ch...
by curly lambeau
Tue Jul 12, 2011 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey and Credit Cards: Have I made a huge mistake?
Replies: 45
Views: 8548

You can also join Pentagon Federal Credit Union, get one of their excellent cards, and then when the time comes apply for a mortgage through them. I think they'd give you a card, just with a low limit.