Search found 885 matches

by TSR
Tue Jul 07, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 834

Re: Replacing odd-depth washer/dryer

I hit an out of stock issue when I had to replace my dishwasher. I finally did get the dishwasher, but I don't like it, so if you like your current appliance, consider getting it repaired. The new dishwasher has a plastic interior that smells like its outgassing; instead of the light colored interi...
by TSR
Tue Jul 07, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 47
Views: 2561

Re: Help choosing federal health insurance

I haven't read all of the replies, but GEHA HDHP sounds like the plan for you, with two key advantages for a healthy person: 1. Dental. This is a serious benefit. In addition to the plan's low cost and the HSA benefit, they just hand you several hundred dollars a year in two paid-up dental exams. Th...
by TSR
Mon Jul 06, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 834

Re: Replacing odd-depth washer/dryer

A lot of helpful information here. Thank you. Sounds like I'm not alone. Behind the washer/dryer is an outside wall, so that may limit what I'm able to do (or give me a lot of options if I'm feeling ambitious). I think I may start with getting a repairman to look at the dryer (which is having the mo...
by TSR
Mon Jul 06, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 834

Re: Replacing odd-depth washer/dryer

...whereas "standard size" is around 27.5 inches... Take a tape measure to an appliance store and measure a few to be sure. Then if 27.5 is correct, (a) can the bi-fold doors be removed to make room, or (b) can you special order an apartment size unit? edit: Probably a good idea to measure the widt...
by TSR
Mon Jul 06, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 834

Replacing odd-depth washer/dryer

My washer/dryer combo---top loading, one next to the other---are fairly old and could use replacing. I have never assumed they were anything but standard-sized appliances, but upon measuring them it appears that they are "shallow" in depth from front to back. A quick trip to the manufacturer's websi...
by TSR
Thu Jul 02, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2778

Re: COVID 19 changing the public vs. private school value equation?

All of the parents I know with kids in private school have wished they had kids in public school. Not because of the "handling" of the online teaching (some think it's been good, some not as much), but because those parents have had to become full-time unpaid teachers even as they have had to pay th...
by TSR
Wed Jul 01, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check: Career Gap Year
Replies: 40
Views: 2465

Re: Sanity Check: Career Gap Year

Former big-law attorney here. I think your finances look good (surely people are overlooking that you have a paid-off house), but not so good that you as a family of four should be necessarily going without an income at this strange time (of course you can "afford" do it if you want). I'll just thro...
by TSR
Mon Jun 29, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 147
Views: 12428

Re: Hopeless Civil Engineer

After reading OP responses, it seems that OP is unhappy with his work situation as well as his salary. My question is if OP has a job that he enjoys, is the same salary acceptable? The reason I ask is as academics, we earn less than what we could in industry but we are in general satisfied with our...
by TSR
Thu Jun 25, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3668

Re: Dress Shirts

I typically wear TM Lewin or Charles tyrwhitt. I find both the quality and fit a good value. Mine typically don’t fray or develop holes, but the darn collars yellow and I’m apparently a horrible shirt washer. If anyone has any feedback to get that out, I’m all ears ;) I'll confess that I don't wash...
by TSR
Wed Jun 24, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Taleb: The coronavirus is not a black swan.
Replies: 81
Views: 7851

Re: Taleb: The coronavirus is not a black swan.

My partner is a geologist, specifically a volcanologist. She would say that the likelihood of the Yellowstone super-volcano erupting is 100%, and it is currently "overdue" for such an eruption. Unfortunately (and very fortunately), that "100%" has an important qualifier: we can't know the precise ti...
by TSR
Fri Jun 19, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1733

Re: Refrigerator Input...

I have purchased two houses that both came with refrigerators. In both, the ice maker was broken when I bought it. The second one---a Samsung---just stopped cooling well (after maybe a decade -- not great but not horrible) and I decided to replace rather than repair. Everything I read said that it's...
by TSR
Tue Jun 16, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7348

Re: Best watch for $5,000+

I got my Omega Seamaster 300 for a good bit under $5,000 (gently used), but it's been a great watch for me. If I were spending in that range, I might get the titanium version of the same watch just because it's so ridiculously light (and the blue face is nice). I like that they are attractive and di...
by TSR
Fri Jun 12, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3697

Re: Coffee Experts - Help with an online coffee order

I'm curious whether anyone uses Amazon for this and has good recommendations for coffee sold on Amazon. I don't mean to hijack the thread, but I have Prime and all the talk about minimum quantities for free shipping got me thinking that this might be a good option.
by TSR
Wed Jun 10, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10590

Re: Girlfriend paying rent

Buddy, this is all fine. Your price is fine, you'll have no trouble with the IRS, etc. There are probably a million people across the country doing this same thing, and they are all trying to find the right balance. You've already found a reasonable price --- on the one hand, she is paying half the ...
by TSR
Thu May 21, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1417

Re: Can I afford to buy an expensive guitar?

My friend, you don't have to ask me for permission to buy a nice guitar -- I've bought nicer with fewer dollars to my name. And yet, I'm gonna argue with you on this one. First let me say that I've played them all, and I currently play a Martin OM-18 Custom with an Adirondack top. I also own a nice ...
by TSR
Tue May 19, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

Folks, you've offered so many great thoughts, and I really appreciate it. I finally went with the Moccamaster just because it seemed somehow inevitable -- a demon to exorcise. I have only made one pot of coffee so far (and with grocery-store Peet's coffee, which may be a sin to some). A few first im...
by TSR
Thu May 14, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

All my research said Technivorm Moccamaster or Bonavita. I went with the Bonavita because of how high the profile of the Technivorm is (I have low cabinet overhangs, so the Bonavita allows me to slide it back under the cabinets. I love it. Best and most consistent cup of coffee I can find anywhere....
by TSR
Thu May 14, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

Thanks to all. This has been helpful. It has also demonstrated that there may not be clear answers here. My take-away: lots of love for Moccamaster; strong loyalty from the Bonavita users; some Breville fans out there; no OXO users.
by TSR
Wed May 13, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

I also bought a Moccamaster. At first I thought it was good, but nothing spectacular using an old hand me down grinder. I initially bought it for other people as I was researching and planning on what expensive grinder and espresso machine I was going to buy. Well, I bought the expensive grinder fi...
by TSR
Wed May 13, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

I've been looking at all of these for some time, but haven't been able to figure out... ...what do they do that's different from what a (good) traditional drip machine does? Most importantly, it heats the water to 195-205 degrees quickly. Everything else is not that important. That and, to my under...
by TSR
Wed May 13, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

All my research said Technivorm Moccamaster or Bonavita. I went with the Bonavita because of how high the profile of the Technivorm is (I have low cabinet overhangs, so the Bonavita allows me to slide it back under the cabinets. I love it. Best and most consistent cup of coffee I can find anywhere....
by TSR
Wed May 13, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

Re: "Fancy" drip/pour-over coffee makers

After looking into it extensively, we recently bought a Technivorm Moccamaster with an insulated carafe. We then did a blind taste test and compared drip coffee from our previous coffee maker (a highly rated Cuisinart) to the Moccamaster. We both immediately picked out the Moccamaster coffee and st...
by TSR
Wed May 13, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3326

"Fancy" drip/pour-over coffee makers

I would like to hear your experiences with some of the more expensive drip/pour-over coffee machines out there. I am specifically interested in: OXO Brew 9-cup Technivorm Moccamaster 40-oz stainless Bonavita 8-cup One-Touch or Connoisseur Breville Precision Brewer I would consider other models too o...
by TSR
Tue May 12, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance - To but or not to buy
Replies: 17
Views: 1065

Re: Dental Insurance - To but or not to buy

There are some high-deductible plans out there that have a dental component rolled into the "preventive" part of the health plan. Mine, for example, pays for two cleanings a year and an x-ray or two. There is certainly no reason to have dental insurance if you have such a plan. Worth checking!
by TSR
Fri May 08, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2759

Re: Does keeping ice packs in fridge save energy?

Counterpoint: Modern day refrigerators use astonishingly less energy than they used to, maybe 350 kWh/year. Any of these efforts would likely have only a marginal financial benefit if any. I'm all for efficiency and making personal sacrifices to achieve such efficiencies, but it is likely that ther...
by TSR
Fri May 08, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2759

Re: Does keeping ice packs in fridge save energy?

Counterpoint: Modern day refrigerators use astonishingly less energy than they used to, maybe 350 kWh/year. Any of these efforts would likely have only a marginal financial benefit if any. I'm all for efficiency and making personal sacrifices to achieve such efficiencies, but it is likely that there...
by TSR
Tue May 05, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4878

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

I have one of the plastic zip things and they work well, but two caveats: (1) there are certain types of drain assemblies that make using them more difficult, and (2) be prepared to test your gag reflex --- what comes up ain't always pretty.
by TSR
Wed Apr 15, 2020 10:07 am
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17819

Re: Ponzi Scheme?

I've seen this too, but I wonder about "well meaning." The ones I've seen tend to have delusions of grandeur and some kind of chip on their shoulder. I've told people to look out for anyone who is the "official investment adviser of the [local sports team]," just because a lot of the ones I've seen...
by TSR
Tue Apr 14, 2020 5:37 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17819

Re: Ponzi Scheme?

*It is the experience of many criminal-defense lawyers I know that financial defendants are some of the most self-delusional we represent. One of the reasons, I believe, is this phenomenon of "This would have kept working if I'd just been able to keep going." That is, they believe that if someone h...
by TSR
Tue Apr 14, 2020 5:30 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17819

Re: Ponzi Scheme?

I haven't read all the comments, but I'll volunteer that as a criminal-defense attorney who has worked on cases like this, I agree that it's a scam but disagree a little on what you should do about it. "Pyramid scheme" can be a little misleading. No one, except you, has said that this is a pyramid ...
by TSR
Tue Apr 14, 2020 4:10 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17819

Re: Ponzi Scheme?

I haven't read all the comments, but I'll volunteer that as a criminal-defense attorney who has worked on cases like this, I agree that it's a scam but disagree a little on what you should do about it. "Ponzi" scheme" can be a little confusing. "Shell game" is often a better description for some who...
by TSR
Tue Apr 07, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 107
Views: 8555

Re: Budget Coffee

So now that I am going to be Mr French Press, what does everyone use for a burr grinder? I am a value guy. Seems like lots of places tout this Baratza Encore as the best, and it is $139. Anyone have good luck with something more in the $50 range? Maybe even a good performing manual grinder? I am on...
by TSR
Tue Mar 31, 2020 4:39 pm
Forum: Personal Investments
Topic: cancel Whole Life policy in this situation?
Replies: 22
Views: 1681

Re: cancel Whole Life policy in this situation?

A close friend recently began a Whole Life insurance policy with MassMutual. Her financial adviser signed her up. I agree with others here that your friend needs to cut her losses. But I wanted to highlight this language because this is Mass Mutual's business model. Its sales-people pose as financi...
by TSR
Mon Mar 30, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 45054

Re: College in fall

My SO is a professor at a competitive small college. Although she has no insight as to what will happen in the fall, the impression I'm getting is that the school would move heaven and earth to have the fall semester start as normal. None of these schools have operating budgets that would allow for ...
by TSR
Mon Mar 09, 2020 5:22 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 310
Views: 28307

Re: Who here is buying stocks today and how much?

I put $1000 toward my 2020 Roth contribution in total US. I put in my whole 2019 contribution the Friday before last thinking I was very clever. This time I'll be happy to go $1000 at a time.
by TSR
Mon Mar 09, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3970

Re: Traffic camera ticket

Are you saying you think the camera is flawed? Or someone else was driving the car at the time? I would dispute it if you feel it is incorrect or pay the fine if you feel it isn't incorrect. I would certainly not ignore it. True story: I once received one of these tickets, looked at the picture, an...
by TSR
Mon Mar 09, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3970

Re: Traffic camera ticket

Are you saying you think the camera is flawed? Or someone else was driving the car at the time? I would dispute it if you feel it is incorrect or pay the fine if you feel it isn't incorrect. I would certainly not ignore it. True story: I once received one of these tickets, looked at the picture, an...
by TSR
Mon Mar 09, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1298

Re: mountain bike purchase

chevca wrote:
Mon Mar 09, 2020 10:54 am
What does the market going down fast have to do with wanting to upgrade her mountain bike??
Just a dumb joke about "going downhill fast." Get it? Like mountain biking? Tough crowd here. :beer
by TSR
Mon Mar 09, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1298

Re: mountain bike purchase

Since the market is going downhill fast, my partner is looking for a mountain bike upgrade from the REI starter model she purchased a number of years ago. She doesn't need absolute top of the line, but she does want, in her words: "front suspension, hardtail, disc breaks, 27.5 wheels for technical ...
by TSR
Mon Mar 09, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1298

Re: mountain bike purchase

sixtyforty wrote:
Mon Mar 09, 2020 9:56 am
What is her budget ? Without that, it's hard to make any recommendations.
See my other response. Thank you.
by TSR
Mon Mar 09, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1298

Re: mountain bike purchase

If she wants the 27.5 for technical riding she must have skills that warrant that desire. So I am thinking she already has a bike in mind. Your specs are seen as a normal upgrade from what she must not have now - disc brakes and front suspension. Any mountain bike worthy of trail riding would most ...
by TSR
Mon Mar 09, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1298

mountain bike purchase

Since the market is going downhill fast, my partner is looking for a mountain bike upgrade from the REI starter model she purchased a number of years ago. She doesn't need absolute top of the line, but she does want, in her words: "front suspension, hardtail, disc breaks, 27.5 wheels for technical r...
by TSR
Fri Mar 06, 2020 10:47 am
Forum: Personal Investments
Topic: I rolled the dice and am losing
Replies: 13
Views: 3611

Re: I rolled the dice and am losing

For most people, "success has a thousand fathers but failure is an orphan." (Or whatever the quote is.) It's much more helpful to acknowledge and learn from mistakes than to pretend it didn't happen. It also helps others learn. Thanks for your post.
by TSR
Fri Feb 28, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679255

Re: U.S. stocks in free fall

Friends, I indulged in some market-timing-lite today. I put in my entire Roth contribution for 2019 today based on the state of the market. (To be fair, I did not really have a plan for when to put in the order, but this put a fire under me.) Impossible to know if this was a good move or a bad move,...
by TSR
Fri Feb 28, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Help Buying First Car for Son
Replies: 11
Views: 730

Re: Help Buying First Car for Son

If he doesn't have any specific needs, you might look into some less-loved models of these same cars. For instance, Accord coupes (or the Solara, which I guess is the Camry coupe) tend to be cars that aren't great for whole families, so they aren't as in demand and might have lower miles. (I have 20...
by TSR
Thu Feb 27, 2020 11:10 am
Forum: Personal Investments
Topic: TSP G Fund and 2050 Target Fund Allocation Question
Replies: 12
Views: 1135

Re: TSP G Fund and 2050 Target Fund Allocation Question

1. I respectfully disagree with the folks arguing that you should assume that international stocks will always do poorly because they have for the last decade. They don't know what's going to happen and neither do you. Breaking up the L fund will encourage tinkering and increase complexity. 2. Yes,...
by TSR
Wed Feb 26, 2020 3:28 pm
Forum: Personal Investments
Topic: TSP G Fund and 2050 Target Fund Allocation Question
Replies: 12
Views: 1135

Re: TSP G Fund and 2050 Target Fund Allocation Question

1. I respectfully disagree with the folks arguing that you should assume that international stocks will always do poorly because they have for the last decade. They don't know what's going to happen and neither do you. Breaking up the L fund will encourage tinkering and increase complexity. 2. Yes, ...
by TSR
Thu Feb 20, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4039

Re: Guitar for a 45 year old beginner

The key question is acoustic or electric. Assuming acoustic, then I believe this (below) is the right answer. You could also get an even better guitar used for the same price if you wanted (or the same model used for less money). Do not go below this $400-new range though. You get into the world whe...
by TSR
Thu Feb 20, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2560

Re: HS Latin or Spanish/ASL?

I'd be shocked if colleges had an opinion regarding someone switching from Spanish to Latin. I wouldn't worry about that. I took three years of Latin in middle school/high school, but I wasn't any good at it (lazy) and switched to Spanish. In college I became an English/Spanish double major. Then I ...
by TSR
Fri Feb 14, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Early inheritance for one - how to equalize disbursement?
Replies: 65
Views: 4234

Re: Early inheritance for one - how to equalize disbursement?

Another option if possible (without a tax impact) is to separate out an account with 2x of the amount the one person got. Have the beneficiaries on that account be the 2 people who didn't get the early disbursement only. That way, the regular account would have 3 beneficiaries, and the special acco...