Search found 40 matches

by ddelapasse
Tue Oct 02, 2012 7:16 am
Forum: Personal Consumer Issues
Topic: Placing security sign in your yard w/out having security
Replies: 28
Views: 26947

Re: Placing security sign in your yard w/out having security

We have a system that we rarely arm for the reasons listed above. However, check with your homeowners insurance for alarm discounts. The discount we get pays for 80% of our alarm monitoring expense which makes it worthwhile and makes the signs legit :happy !
by ddelapasse
Wed Sep 26, 2012 7:04 am
Forum: Personal Consumer Issues
Topic: Wife shattered her smartphone
Replies: 12
Views: 1826

Re: Wife shattered her smartphone

My kids & I love the Galaxy IIs. I know the IIIs are out, but I bet the older model would be fine for her and you can probably get some great deals since the new ones are out.
by ddelapasse
Tue Sep 18, 2012 8:05 am
Forum: Personal Consumer Issues
Topic: coping with 9/80 schedule ?
Replies: 68
Views: 7553

Re: coping with 9/80 schedule ?

I worked 4 10s for a while (contract job for 18 months) when I had a 1.5 hour commute and 2 boys with competitive soccer in the evenings. I left at 3:45AM, started work at 5am, worked until 3:30 (30 min lunch) and home by 5pm. I was exhausted by Thursday, but loved, loved, loved my Fridays off! Now ...
by ddelapasse
Fri Aug 31, 2012 7:54 am
Forum: Personal Consumer Issues
Topic: Hiring a baby sitter instead of day care
Replies: 53
Views: 6709

Re: Hiring a baby sitter instead of day care

As I understand it basically you trade them getting sick now vs when they hit schools. This is what our pediatrician confirmed to me when I expressed the concern. Both my boys attended a VERY high quality daycare with large windows and NO privacy (which is what I desired). The owner was a genius wh...
by ddelapasse
Wed Aug 08, 2012 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Are these refinance closing fees reasonable?
Replies: 26
Views: 4247

Re: Are these refinance closing fees reasonable?

I just refinanced our remaining 7 years to a 10 year (pretty sure 15 year was the same) @ 2.875%. Plan to pay the same amount we've been paying and pay it off early. Total cost was $3058. They let me reuse our old survey. I'm happy to send you the HUD form if you'd like to use it for bargaining :-)....
by ddelapasse
Thu Jul 19, 2012 8:27 am
Forum: Forum Issues and Administration
Topic: Thread gone and no PM?
Replies: 11
Views: 1660

Re: Thread gone and no PM?

I googled and it found that article, but I couldn't read it either (not authorized). Weird.
by ddelapasse
Tue Jun 19, 2012 11:35 am
Forum: Personal Investments
Topic: Vanguard Account Question
Replies: 5
Views: 838

Re: Vanguard Account Question

Yes! I called them. It's the second part of the individual holdings number.

I just was sure it should have been in the header and I didn't look hard enough.

thanks!!!
by ddelapasse
Tue Jun 19, 2012 11:04 am
Forum: Personal Investments
Topic: Vanguard Account Question
Replies: 5
Views: 838

Vanguard Account Question

I have a rollover IRA at Vanguard. Is there a single account # that identifies my holdings? Or do I have to always use the individual fund account #s? I'm looking at my statement and that is all that I see.

Trying to do a refi and I need my official "account number".
by ddelapasse
Thu Apr 05, 2012 9:17 am
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28877

Re: If I listened to Dave Ramsey

I recently heard that there's a new reality show that sounded like Dave Ramsey's philosophy! They make the person put their money into a set of glass jars (similar to Ramsey's envelopes). I listen to his show sometimes. I think it's similar to how my college son explains his affinity for "Jerse...
by ddelapasse
Mon Mar 19, 2012 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Medical career at 37?
Replies: 68
Views: 6619

Re: Medical career at 37?

If it is a Master's you may consider going back to school to get a Doctorate. It does not have to be in the same specialty as your current degree. What about following Victoria's advice and getting an advanced degree in Biomedical Engineering? My husband returned to school for this and was so psych...
by ddelapasse
Fri Mar 16, 2012 11:47 am
Forum: Personal Consumer Issues
Topic: what items do Bogleheads buy off Craigslist/Ebay?
Replies: 39
Views: 4042

Re: what items do Bogleheads buy off Craigslist/Ebay?

Many ebay purchases - generally camera accessories.

Cragislist for college textbooks (huge savings) and used cell phones.
by ddelapasse
Wed Mar 07, 2012 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 46
Views: 9774

Re: Umbrella insurance

We have TWO of those dreaded "youthful" drivers and 4 cars insured. The auto insurance is obscene, but the umbrella is $288 for 1Mil. We have Nationwide.
by ddelapasse
Wed Feb 22, 2012 9:08 am
Forum: Personal Finance (Not Investing)
Topic: how do you teach a kid who likes math
Replies: 89
Views: 8735

Re: how do you teach a kid who likes math

My mom taught science and we always liked her tangram puzzles. You create pictures from a bunch of geometrical shapes. Definitely a problem-solving math-oriented fun activity!
by ddelapasse
Wed Feb 15, 2012 10:55 am
Forum: Personal Investments
Topic: Best financial decision you can make is get a job you love..
Replies: 21
Views: 1442

Re: Best financial decision you can make is get a job you lo

Very true! I love my job/field. I have an engineering degree, but have always been employed on the software side developing engineering applications. One of my kids has clear cut math/science interest & skills, but the other one is just generally 'adequate' (my standards are high). He's a junior...
by ddelapasse
Thu Feb 09, 2012 2:24 pm
Forum: Personal Investments
Topic: Moving Stocks to 529 plans?
Replies: 2
Views: 366

Re: Moving Stocks to 529 plans?

I was afraid it sounded too good to be true.

thanks!
by ddelapasse
Thu Feb 09, 2012 12:54 pm
Forum: Personal Investments
Topic: Moving Stocks to 529 plans?
Replies: 2
Views: 366

Moving Stocks to 529 plans?

I have an ESPP (Employee Stock Purchase Plan) at work and I also have some company stock that will be released to me each year on the next few years on my anniversary date. I have no interest in holding this stock long-term and currently plan to cash everything in as soon as it's eligible for long-t...
by ddelapasse
Thu Feb 02, 2012 10:20 am
Forum: Personal Finance (Not Investing)
Topic: w-2 for a kid
Replies: 11
Views: 1159

Re: w-2 for a kid

My son does file his own taxes (well, he did last year which was the first year he had income). I just didn't see why you felt it necessary to offer parenting advice instead of answering the OP's question. I did go to my son's place of summer employment and pickup his W2 and mail it to him at colleg...
by ddelapasse
Thu Feb 02, 2012 9:58 am
Forum: Personal Finance (Not Investing)
Topic: w-2 for a kid
Replies: 11
Views: 1159

Re: w-2 for a kid

No, but my son is receiving departmental scholarships for his good grades. I prefer he focus on that as I am funding the rest of his education.

Yeesh...guessing parents didn't help you and you're still bitter?
by ddelapasse
Thu Feb 02, 2012 9:36 am
Forum: Personal Finance (Not Investing)
Topic: w-2 for a kid
Replies: 11
Views: 1159

Re: w-2 for a kid

My .02...I would much rather have my son attending a OChem practice session than figuring out stuff like this!!! The pace of college is crazy these days and I do think parents should help with these kinds of things if possible.
by ddelapasse
Thu Jan 26, 2012 9:29 am
Forum: Personal Consumer Issues
Topic: Anyone dropping Google (Accounts)
Replies: 21
Views: 2060

Re: Anyone dropping Google (Accounts)

I was surprised by a connection "suggestion" made by LinkedIn. It had to come from my google contacts which made me unhappy. I try to keep my internet life separated Facebook for social friends and LinkedIn for work, but it's getting more and more difficult! Like a previous poster I am get...
by ddelapasse
Wed Dec 21, 2011 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased had CC widow did not know of
Replies: 69
Views: 6716

Re: Deceased had CC widow did not know of

So there's nothing to keep a terminally ill person from playing Santa? I would try selling off whatever he bought to pay the debt.
by ddelapasse
Sun Dec 11, 2011 2:31 pm
Forum: Personal Investments
Topic: Please Help me choose software for my Dad
Replies: 9
Views: 3135

Re: Please Help me choose software for my Dad

Bought the 2011 version last night!

Thanks to all of you!!!
by ddelapasse
Sat Dec 10, 2011 8:31 pm
Forum: Personal Investments
Topic: Please Help me choose software for my Dad
Replies: 9
Views: 3135

Re: Please Help me choose software for my Dad

Excellent! Thanks very much.

Can any of you tell me your "workflow" using Quicken?
by ddelapasse
Sat Dec 10, 2011 3:41 pm
Forum: Personal Investments
Topic: Please Help me choose software for my Dad
Replies: 9
Views: 3135

Re: Please Help me choose software for my Dad

Yes.. I showed him how to do that at Thanksgiving (we live in another town), but he's not really "savvy" enough to reference the raw data from the other pages and create his own macros.

I was hoping that there might be some tool out there I could get him to help.
by ddelapasse
Sat Dec 10, 2011 1:52 pm
Forum: Personal Investments
Topic: Please Help me choose software for my Dad
Replies: 9
Views: 3135

Please Help me choose software for my Dad

I know this mostly a Vanguard forum, but I'm hoping some of you may be able to help me! My Dad just switched from a pricey broker to using ScottTrade for his portfolio (he is retired). He asked me to show him how to download his transactions into Excel, but he would like to be able to "group&qu...
by ddelapasse
Tue Dec 06, 2011 10:11 am
Forum: Personal Consumer Issues
Topic: How many touchdowns in BCS championship?
Replies: 22
Views: 1885

Re: How many touchdowns in BCS championship?

5 or more...and I hope my Tigers have all of them.

Agree that at least a couple will be scored by our defense!!!
by ddelapasse
Thu Sep 22, 2011 10:34 am
Forum: Personal Consumer Issues
Topic: Piano lessons for your children
Replies: 47
Views: 5841

I paid a lot of money for my boys to play competitive soccer. On the one hand: total waste of money as neither will play professionally. On the other hand: they loved it, it kept them away from video games and it was cheaper than bail :D.
by ddelapasse
Fri Sep 02, 2011 8:13 am
Forum: Personal Consumer Issues
Topic: extended warranty for washer & dryer
Replies: 18
Views: 4643

No!

I kind of enjoy replying back with a shocked look "Wait...why would I need the extended warranty? Are these appliances not built to last??"
by ddelapasse
Tue Aug 16, 2011 12:31 pm
Forum: Personal Consumer Issues
Topic: [Forbes] Most Powerful Women
Replies: 18
Views: 2649

Slightly off-topic, but I am a fan of Melinda (and Bill) Gates. I was just reading that they are offering a substantial prize for the best invention of a stand-alone, flushable toilet with no electricity. There are universities all over competing for the prize. I thought that was a really smart idea...
by ddelapasse
Thu Aug 11, 2011 2:40 pm
Forum: Personal Consumer Issues
Topic: Favorite malapropisms
Replies: 64
Views: 8486

A coworker wrote that he was having a meeting to "clearify" an issue. We still use that word :-).

Another coworker from Sweden keeps me entertained:

"I'm just talking out loud here"
"It was the straw that hurt the camel"
by ddelapasse
Wed Jun 15, 2011 12:24 pm
Forum: Personal Consumer Issues
Topic: Are you flying Old Glory?
Replies: 19
Views: 2085

The boy scouts in our area offer the most wonderful fundraising activity. For $30-40 per year they put these beautiful flags out on all flag-type holidays: Flag Day, 4th of July, Labor Day... I love opening my front door and seeing the flags in all the yards (they insert poles in the ground near the...
by ddelapasse
Tue May 24, 2011 2:22 pm
Forum: Personal Consumer Issues
Topic: Would you send your child to a Gifted program?
Replies: 99
Views: 15214

Can you tell your daughter that she must try it until winter break? And then move her back if she hates it? I have a son who hated seeming "nerdy" in high school, but has discovered that in college it is very cool to be smart. I think your daughter will be fine either way, but she might be...
by ddelapasse
Tue May 24, 2011 9:34 am
Forum: Personal Investments
Topic: How much to save in a 529
Replies: 39
Views: 7866

I've completed the FAFSA twice now and it does require the parents' assets (excludes home, but includes all 529s). I haven't seen where it would matter if the money was in my son's name (or mine) and in fact I have to list the total amount saved for BOTH kids as assets even though only the older one...
by ddelapasse
Mon Feb 07, 2011 8:57 am
Forum: Personal Consumer Issues
Topic: What is "North Texas"??
Replies: 68
Views: 8780

Re: What is "North Texas"??

What is wrong with Dallas or Dallas-Ft Worth? Or, Arlington? I don't think this is such a big mystery. The stadium is in Arlington, Texas which is between Dallas & Ft Worth. I think most people hearing Arlington would assume it referred to Arlington, Virginia so they used "North Texas"...
by ddelapasse
Thu Dec 09, 2010 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Poll: How do you keep your house clean?
Replies: 101
Views: 17017

We have a 3500 sq foot house. I pay $80 every 2 weeks (they bring their own supplies). Forces us to de-clutter every 13 days. If we leave clutter they will pile it all on the kitchen table (an implied scolding I think). This has greatly improved my quality of life as we both work FT and have 2 kids ...
by ddelapasse
Wed Dec 08, 2010 8:06 am
Forum: Personal Investments
Topic: Mapping allocation categories into Vanguard
Replies: 8
Views: 1544

Thanks for the help! Last night was the first time I looked at the Vanguard website and I was pretty overwhelmed.

I will work on this again tonight. Appreciate the help.
by ddelapasse
Tue Dec 07, 2010 10:31 pm
Forum: Personal Investments
Topic: Mapping allocation categories into Vanguard
Replies: 8
Views: 1544

The stable value I have now is getting around 2%, but I couldn't find anything parallel. These allocations were set for me by a professional (for free). The guy works for a firm where minimizing loss is key. I'm not his client, but he has a local radio show and I have emailed him a few times for adv...
by ddelapasse
Tue Dec 07, 2010 10:07 pm
Forum: Personal Investments
Topic: Mapping allocation categories into Vanguard
Replies: 8
Views: 1544

Mapping allocation categories into Vanguard

I'm rolling over a 401k into a Vanguard IRA and want to keep my current John Hancock allocations. I have to move the money quickly (my company was purchased and they are closing that 401k) and have limited time for research. Would appreciate any input on if these funds are appropriate and at least d...
by ddelapasse
Mon Dec 06, 2010 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Nosey 401k rollover application
Replies: 4
Views: 1231

Re: Nosey 401k rollover application

They must ask your employer info to confirm you are not considered an 'insider' or on the board of directors of a public company. Also to confirm you are not employed by a brokerage firm and under a 407 letter requirement. There was a page that asked those 3 questions directly. This 'new' screen wa...
by ddelapasse
Mon Dec 06, 2010 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Nosey 401k rollover application
Replies: 4
Views: 1231

Nosey 401k rollover application

Our company was purchased and the current 401k is being dissolved. We are free to roll it over to the purchasing company, but I thought I would just move mine to an Ameritrade IRA since I have some accounts there already. I started through the application and there is a page wanting my work info (em...