Search found 76 matches

by Material Guy
Wed Oct 31, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2357

Re: Highlander or Murano 2018 ..

As the owner of a 2017 Highlander XLE (AWD), most certainly, the Highlander is a better choice.
Toyota includes 2 years of maintenance which should be factored in.
Been very happy with it and the safety features are excellent. It's also somewhat more spacious than the Murano.
by Material Guy
Sun Aug 26, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Online savings account for 17 yr old?
Replies: 6
Views: 527

Re: Online savings account for 17 yr old?

Thanks for the responses. I guess the option to wait until she turns 18 might be a good one. This is earned income. I do intend to also start a Roth for her with part of her earnings. I did try to open a joint account at Ally but they were clear about all applicants being over 18. I'll look more at ...
by Material Guy
Sun Aug 26, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Online savings account for 17 yr old?
Replies: 6
Views: 527

Online savings account for 17 yr old?

I was trying to open an online savings account at Ally for our 17 yr old, when I realized that she had to be at least 18 to do so. She has 2k sitting in a credit union account earning miniscule interest. I don't want to open a UTMA account. It appears that only CapitalOne 360 has the option for an o...
by Material Guy
Fri Aug 17, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1896

Is President Jimmy Carter a Boglehead?

A fascinating portrait of how President Jimmy Carter lives today in Plains, Georgia. The un-celebrity president Jimmy Carter shuns riches, lives modestly in his Georgia hometown "With book income and the $210,700 annual pension all former presidents receive, the Carters live comfortably. But his boo...
by Material Guy
Wed Aug 01, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4302

Re: WiFi router

Google WiFi users: Are you limited in terms of maximum WiFi speeds if you have gigabit internet? I am looking to replace an Apple Airport Extreme and this was one of the limitations mentioned online. In other words, if you have gigabit internet, which mesh system is the best for maximum (AC) WiFi sp...
by Material Guy
Mon May 14, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5684

Re: College laptop for fall 2018 freshman

Buy a Mac. I'm still using a 2011 Macbook Air bought refurbished at home. Its used daily. Still trying to find a reason to replace it, though it is getting a bit slow now and the wifi card is not the latest ac. Never had an issue. My son did buy a Dell since he wanted a gaming computer when he went ...
by Material Guy
Thu May 10, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?
Replies: 27
Views: 2749

Re: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?

nisiprius: Interesting observation, and something I was not aware of. I always thought one needed to rebalance at least yearly (or if AA drifts outside a range). But interesting point that the allocation drift is actually quite slow! Thanks. I will say that if you do decide to split into separate fu...
by Material Guy
Thu May 10, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?
Replies: 27
Views: 2749

Re: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?

Thanks, everyone, for the excellent and thoughtful responses. I will chew on the options for a bit but I'm in no hurry, which is always a good option, and also look a bit closely at the numbers. It is a low-to-mid six digit portfolio in the 401(k) and I will weigh the balance between complete hands ...
by Material Guy
Thu May 10, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?
Replies: 27
Views: 2749

Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?

Our 401(k) plan offers a nice selection of Vanguard funds, happily. I have mine in the Target Retirement 2035 Fund (0.14% ER). I would like to move this to the 3-Fund portfolio to lower the ER. We have Total Stock Index (0.04%) and Total Bond Index (0.05%). but we do not have access to the Total Int...
by Material Guy
Mon May 07, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: NYT article - 96 year old Brooklyn secretary...
Replies: 12
Views: 2611

96-Year-Old Secretary Quietly Amasses Fortune, Then Donates $8.2 Million

[Thread merged into here, see below. --admin LadyGeek]

Another interesting story of someone quietly building up wealth and leaving it to a good cause. Not many details on specific investments or what stocks.

96-Year-Old Secretary Quietly Amasses Fortune, Then Donates $8.2 Million
by Material Guy
Wed May 02, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: knee replacement - materials? [edited]
Replies: 9
Views: 994

Re: knee replacement - materials?

As others have stated, you should talk to an orthopedic surgeon and they will run through your various options. I am sure others on this forum who have received knee implants will be able to give you their experiences. I will add that your knee implant will likely include both a metal alloy and a pl...
by Material Guy
Fri Sep 08, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 65896

Re: Equifax customer information leak

Simple question that does not seem to have been addressed anywhere:
Why was the information on the Equifax servers NOT ENCRYPTED?
by Material Guy
Wed Apr 05, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 8518

Re: Help with college choice

Easy choice: Vanderbilt. DS currently attends Vanderbilt as an undergraduate and loves it. The campus is beautiful and Nashville is a great town. There is enough of an Asian student population, both directly from Asia as well as Asian-American, on campus. There are students from every state and many...
by Material Guy
Sun Mar 05, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 19459

Re: Oil Change Advice Honda CR-V

Honda CR-V owner for almost 10 years now. I specifically talked to the dealer about oil changes and have had discussions with a Honda mechanic. Here are recommendations for a new Honda. (1) Follow the oil change minder/indicator. It takes the quality of the oil into account, not just mileage. 15% is...
by Material Guy
Tue Feb 28, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6050

New YouTube TV Service $35 per month

This could be a game changer for TV cord cutters and for people wanting to get rid of cable TV. YouTube has announced a $35 per month TV subscription service with local channels and DVR to be available later this year.
by Material Guy
Mon Feb 27, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 4876

Re: Do you clear your inbox?

I suspect that the folks who keep their inbox empty are the same ones who keep their desk clean, and the ones who let items linger in their inbox have lots of stuff on their desk as well. Either style can work if it fits your personality. I'm firmly in the large inbox/messy desk camp myself. I thin...
by Material Guy
Wed Jan 25, 2017 11:03 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14395

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor!
by Material Guy
Tue Nov 08, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: India to Replace Largest Bank Notes
Replies: 20
Views: 3135

India to Replace Largest Bank Notes

A sudden move by the Indian government and central bank. This is certain to shake things up and will keep the Indian stock markets volatile for some time. http://www.wsj.com/articles/india-to-phase-out-current-500-and-1000-rupee-bank-notes-1478619693 India to Replace Largest Bank Notes Country plans...
by Material Guy
Tue Nov 01, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 6531

Re: which engineering major for renewables

I would highly recommend a Materials Science & Engineering (MS&E) undergraduate degree for getting into the field of renewables. Zecht touched upon this in his post and made the excellent point that there are many routes to get to broad field of renewables. Considering the original question posted b...
by Material Guy
Mon Oct 03, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Routers!! are driving me crazy
Replies: 33
Views: 4494

Re: Routers!! are driving me crazy

Highly recommend the Apple Airport Extreme.
http://www.apple.com/airport-extreme/
by Material Guy
Tue Sep 06, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 15571

Re: Alternatives to Quicken 2016?

We got Mac Quicken last December at my insistence and moved from a previous Windows version. My DW who is an accountant and manages our day-to-day finances hated the Mac version. A recent update messed up previous reconciliations. She got mad and recently transferred everything to Quickbooks (which ...
by Material Guy
Tue Jan 26, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting a desk exercise bike in tax return
Replies: 2
Views: 447

Re: Deducting a desk exercise bike in tax return

Thanks, Toons, sounds like this could be a deduction, but ideally one would want a written recommendation from the Doctor for the desk exercise bike in case the IRS questions the deduction.
by Material Guy
Tue Jan 26, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting a desk exercise bike in tax return
Replies: 2
Views: 447

Deducting a desk exercise bike in tax return

DW works from home, primarily at the dining table with her computer--so she sits for long periods of time. She had been having arthritis-like symptoms in her knees. It was suggested to her last year that she should explore a desk bike. We purchased one last year and she has been using it very regula...
by Material Guy
Wed Jan 06, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 928
Views: 100903

Re: Netflix, Your Current Favorite Show

Broadchurch
The Fall
Marco Polo
Agatha Christie's Poirot (later episodes are full HD)
The West Wing (old but excellent, especially the early seasons)
Inspector Morse (last few episodes are full HD)
Master of None
by Material Guy
Fri Dec 11, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 9658

Re: San Antonio vs. Morgantown, WV for 2 docs

I'd like to add a different angle to this discussion if it helps the OP. Pittsburgh has a very strong concentration of hospitals and medical professionals as well as being an important center for medical research (within the Univ Pittsburgh Med Center). I wonder if this would be useful for your prof...
by Material Guy
Wed Dec 09, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance: Claim or not, that is the question
Replies: 7
Views: 641

Re: Car Insurance: Claim or not, that is the question

Thank you, dm200, kenner and P&C actuary.

Jamieson22: Am I not covered even if I have comprehensive?
by Material Guy
Wed Dec 09, 2015 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance: Claim or not, that is the question
Replies: 7
Views: 641

Car Insurance: Claim or not, that is the question

I backed our minivan out of my garage and bumped into the corner of our SUV parked in the driveway. The SUV is fine but the bumper on the minivan was crushed a bit with a tear and the bumper corner was displaced. Should I (1) Go to an auto body shop and get an estimate for the cost to fix the bumper...
by Material Guy
Wed Aug 26, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 18038

Intuit selling Quicken unit

News from MacWorld: Intuit puts venerable Quicken up on the block Intuit yesterday announced that it would sell its Quicken unit, the group that creates the personal finance software that made the company famous. The news -- and Intuit management's explanation for the sale -- illustrated the retreat...
by Material Guy
Wed Aug 12, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Johns Hopkins and Baltimore
Replies: 11
Views: 2453

Re: Johns Hopkins and Baltimore

Thanks all, for the excellent suggestions and recommendations. I will keep these in mind. I will have a car of course but my niece will not for a while so the suggestions for the free shuttle and public transport will be helpful. We will check these out. We do plan to drive to the Inner Harbor area ...
by Material Guy
Tue Aug 11, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Johns Hopkins and Baltimore
Replies: 11
Views: 2453

Johns Hopkins and Baltimore

We will be driving up to Baltimore (from Pittsburgh) later this week. My niece is joining graduate school at Johns Hopkins main campus and we plan to drop her there and set her up in an apartment in one of the large apartment buildings there. Are there specific areas around JHU that we should be car...
by Material Guy
Fri Jul 24, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Multifocal Contact Lenses
Replies: 8
Views: 1346

Re: Multifocal Contact Lenses

jwkde, thanks for your suggestion. I went to the optometrist and surprisingly, he was discouraging about trying multifocal contact lenses especially since I have astigmatism. He sounded as if not many people use these, and this is a large optical/opthalmology practice. He was also mentioning that th...
by Material Guy
Thu Jul 23, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 4080

Re: Is there a service that will email you with each credit card purchase?

As the others have mentioned, most credit cards offer this and you can set this up in your online account. Rather than email, I prefer text messages, which is also an option. Text are faster to process on your phone assuming you have the capability to receive unlimited or large number of texts witho...
by Material Guy
Thu Jul 23, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Multifocal Contact Lenses
Replies: 8
Views: 1346

Re: Multifocal Contact Lenses

Thanks, climber2020 and 4nursebee.

climber2020: As you suggest, I will try out a couple of pairs depending on what my optometrist recommends. Online reviews indicate what you mentioned; some people are very happy with them while others hate them. I will probably ask about progressive lenses

MG
by Material Guy
Wed Jul 22, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Multifocal Contact Lenses
Replies: 8
Views: 1346

Multifocal Contact Lenses

I will be going for an eye exam for contact lenses and am considering multifocal contact lenses to handle both near and distance vision. I have been using monofocal soft contact lenses for many years. I also have astigmatism and so have been using toric lenses. Does anyone here have experience with ...
by Material Guy
Tue Jul 07, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Mobile Phone SIM to use in Austria/Switzerland
Replies: 6
Views: 988

Re: Mobile Phone SIM to use in Austria/Switzerland

Does this work for T-Mobile prepaid service or is it only for T-Mobile post-paid customers?

Planning to travel to Switzerland and France next week and was wondering if I could use my T-Mobile prepaid SIM and Nexus 4.

Thanks.
MG
by Material Guy
Wed May 27, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Boglehead 4wd Car (for family)?
Replies: 49
Views: 9098

Re: Boglehead 4wd Car (for family)?

Lots of Subaru fans on the forum? I own a 4WD CR-V and would highly recommend it. Very safe and rides very well. Recent models come with various safety features. For really long distance driving, minivans tend to be a lot more comfortable--I also have an Odyssey. The CR-V is okay in this regard and ...
by Material Guy
Wed Dec 10, 2014 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative to bill.com in Europe?
Replies: 0
Views: 290

Alternative to bill.com in Europe?

Is there an equivalent of bill.com in Europe that anyone is aware of? This would be for a small business based in Holland.

Many thanks.
by Material Guy
Wed Nov 12, 2014 12:00 pm
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 2628

Re: TWO home internet connections with two ISPs

Thanks, all for the excellent responses! I appreciate it. I think the answer I glean is that yes, I can have the two connections, and if I am happy with Comcast I can eventually cancel the Consolidated connection. Some additional points. First, we are all wireless and we don't have any wired connect...
by Material Guy
Wed Nov 12, 2014 9:36 am
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 2628

TWO home internet connections with two ISPs

Does anyone have experience with having two internet connections at home with two different ISPs? Our situation is this. We have DSL service through Consolidated Communications with 10 MBPS service bundled with TV and phone, for which we are now paying +$150 monthly. Recently the internet service ha...
by Material Guy
Fri Nov 07, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 7232

Re: What do you set your thermostat to (in F)?

This question cannot have a simple answer because there are many variables involved, as some of the later posters have alluded to. How big is the house and how many thermostats? Where do you live and what is the temperature outside during different seasons? What is the temperature differential betwe...
by Material Guy
Tue Oct 07, 2014 10:59 am
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 10733

Re: LED Flashlights

As an aside to this conversation, the 2014 Nobel Prize in Physics was awarded today for invention of the blue LED. The blue LED is combined with red and green LEDs (which were available earlier) makes white light. This was a critical breakthrough in the mid-1990s which was recognized by the Nobel co...
by Material Guy
Fri Sep 19, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 5733

Re: Macbook Air; how much RAM?

The computer hardware in Macs used to be widely different than PCs, but nowadays, the current Macs are really just PC hardware with an Apple logo and bundled with an Apple OS instead of Windows like most other PCs are. Really? It all depends on how you define "PC Hardware" I guess. From an engineer...
by Material Guy
Tue Sep 16, 2014 11:11 am
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 5733

Re: Macbook Air; how much RAM?

I have a 2013 model with 4 gb RAM and it surprisingly works fine. Having said that, I would opt to go with the 8 gb option. I upgraded the RAM in an older white 2009 (?) Macbook and it made a difference in performance especially after I upgraded the OS twice. I also use a program called Memory Clean...
by Material Guy
Fri Jul 18, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 6548

Re: 15 year mortgage or a 30 year & Invest?

In addition to the different variables discussed, factor in inflation and the 30 year starts to look better?

For the interest deduction vs taxes calculation, if one is not maxing out retirement vehicles, then the extra cash could go there removing the tax consideration.
by Material Guy
Tue Jun 10, 2014 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 3046

Re: Young boglehead: Materials science, chemE, or mechE for

The accurate answer to the original poster's question is that at the graduate level, it does not matter what department/discipline you pursue. It has more to do with the area of research that you pursue. I am a PhD materials scientist and an editor of a materials publication, and as such deal with a...
by Material Guy
Mon Jun 09, 2014 10:19 am
Forum: Personal Consumer Issues
Topic: Switzerland itinerary feedback
Replies: 17
Views: 1842

Re: Switzerland itinerary feedback

Train travel in Switzerland is an absolute pleasure. You can get the Swiss pass which is valid for nearly all trains (except for a few special ones) and various other transportation as well. We visited Switzerland last summer and used it conveniently for a family of four. Also second class is more t...
by Material Guy
Sat Apr 12, 2014 12:32 pm
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 19183

Re: Free "If You Can" Kindle and .pdf eBook

Bill,
Thank you for this excellent short publication. While not a millenial by any means, I enjoyed this reiteration of my own current path to retirement. I think even the more "experienced" among us should read and re-read this periodically to "stay the course".
Thanks again.
by Material Guy
Fri Apr 11, 2014 3:48 pm
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 2133

Re: Basic Home Theater System Recommendations

I originally got a Sony sound bar which worked great but had limitations so I moved it to the bedroom. My main system is as below including all of the components listed by the OP. Yamaha receiver. Sony Blu-Ray player connected to 1 HDMI port. Plays DVDs, Netflix, YouTube etc. Cable box has HDMI outp...
by Material Guy
Wed Apr 09, 2014 2:19 pm
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 18898

Re: First Trip to India

I am originally from India and grew up there but have been in the US for more than 2 decades. Still go back for visits. OP: Good advice here, and some additional notes. - Visas are fairly efficiently processed at US based Indian embassies and consulates. Make sure your paperwork is complete and use ...