Search found 691 matches

by timmy
Sat Aug 11, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1640

Re: Device to listen to while exercising?

Thank you all for your replies & options! Should have mentioned only a flip phone user, but good info should I ever go the iPhone/Android route. Starting off w/ seeing if there is someone in the family no longer uses their ipod. Thanks again! Haha. Old school. Respect! Locally here, you can borrow ...
by timmy
Sat Aug 11, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1640

Re: Device to listen to while exercising?

Too lazy to read the full thread ... apologize if redundant I use my IPHONE. The best investment I made was in a good pair of Bluetooth headphones. Not dealing with a cord has been a game changer. EDIT I bought mine from Dick's (brick and mortar). But something like this might work. https://www.amaz...
by timmy
Mon Aug 06, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4562

Re: Dear BH, what are non-BH actions you do?

Smoke Cuban cigars

Light em using $100 bills
by timmy
Sat Aug 04, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 109
Views: 6582

Re: Minivan Vs SUV Experience

Minivan. As a family haulers, an SUV can't touch it.

In terms of the stigma with minivans, and there is stigma, sometime between the age of 20 to 25 nature turns us all uncool. (It's science, for sure.) So own it and move on :sharebeer
by timmy
Thu Aug 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5236

Re: ACT test - got 34, try for 36?

It's ridiculous to think the difference between a 34, 35, or 36 matters. What matters more is high school grades and taking the strongest classes available, recommendation letters, what your application reveals about you, and to some degree, your activities outside of academics( sports, volunteerin...
by timmy
Thu Aug 02, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5236

Re: ACT test - got 34, try for 36?

On a personal note, my oldest is going into college this fall. He got a 36 (similar performance on SAT). I doubt his score was anymore helpful than a 34. In fact, his dream school was MIT. He did not get in. A friend of his got into MIT with a 32 or 33. While she was (per tests) a lower performer, ...
by timmy
Thu Aug 02, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5236

Re: ACT test - got 34, try for 36?

Stop the madness! We are going through this process right now as I’m writing this at a hotel near Clemson. Do your research on the schools your son/daughter is interested in attending. Each schools website will tell you if they super-score the SAT (most do), the ACT (most don’t) and typically what ...
by timmy
Sun Jul 29, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5013

Re: Pay for college with cash flow

Living in Florida I was able to purchase 2 Florida Pre paid plans. This was a great investment. They now are both using the college plan. This is the only investment I made for their college. But it was cheap and backed by the state of Florida. I don't think I would of ever invested in a 529 when I...
by timmy
Sat Jul 28, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5013

Re: Pay for college with cash flow

Good topic. Good posts. Our oldest is heading off to school this year. I have two more in the pipeline. We have some funds in 529 but we were not aggressive enough, not nearly. Overall, we are in good shape: retirement savings, emergency, house is paid off, etc. We are mostly cash flowing college. W...
by timmy
Sat Jul 21, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15723

Re: New book based on Millionaire Next Door

http://www.thomasjstanley.com/

That's Dr. Stanley's website. As noted, his daughter (soon to be coauthor) has been posting since 2015. Her posts echo his themes. She seem like a good writer. That's positive for the book.
by timmy
Wed Jul 18, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8222

Re: Any Boglehead powerlifters?

I have been lifting for about 20 years, but have gotten to the point whereby it takes months for me to increase the Wright on the bar - but still pushing. PRs are below Squat - 495 Dead - 475 Bench - 335 Press - 205 That bench PR is from years ago and do not really do it much due to shoulder issues...
by timmy
Mon Jul 16, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15723

Re: New book based on Millionaire Next Door

Thank you for sharing this. I really enjoyed these books...certainly the first two anyway. I'm surprised to see this new title, as I believe that Mr. Stanley died a few years ago in a car accident. This leads me to question how good this new title will be, but I'll certainly check it out. Here is w...
by timmy
Mon Jul 16, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7186

Re: Anyone not have a Budget?

We look at our monthly outflow about every 6 months. And adjust as needed ... based on sloppy spending/habits or something that we need to save for. A few years ago we tightened things up to pay off the house. More recently the focus has been on getting the right amount in retirement and funding col...
by timmy
Mon Jul 16, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Google Sheets has an easy to use Budget worksheets - tip
Replies: 4
Views: 876

Re: Google Sheets has an easy to use Budget worksheets - tip

At work, we always used Excel. Since retiring and getting into the Chromebook, I have been working with Google Sheets. At first, I thought it was a watered down imitation of Excel. That was before I learned everything it can do: https://courses.benlcollins.com/p/advanced30 https://support.google.co...
by timmy
Mon Jul 16, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15723

New book based on Millionaire Next Door

https://www.amazon.com/gp/product/1493035355 [link formatted by admin LadyGeek] The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover – October 1, 2018 by Thomas J. Stanley Ph.D. (Author), Sarah Stanley, Ph.D Fallaw (Author) Over the past 40 years, Tom Stanley and his da...
by timmy
Sun Jul 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5598

Re: Which minivan?

2017 Kia Sedona. Very happy with it
by timmy
Sun Jul 15, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Google Sheets has an easy to use Budget worksheets - tip
Replies: 4
Views: 876

Google Sheets has an easy to use Budget worksheets - tip

Just this year, I "discovered" Google Sheets. It's very handy. It's like Excel, but online You can access it via internet browser or an APP The phone APP is useful for basic data entry, less useful for the full experience There are a bunch of easy to use, very relevant templates This past year, I us...
by timmy
Sat Jul 14, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

There was a lot of discussion on how to differentiate yourself when applying to school. I thought this book was interesting. https://www.amazon.com/gp/product/0767932587/ How to Be a High School Superstar: A Revolutionary Plan to Get into College by Standing Out (Without Burning Out) What if getting...
by timmy
Sat Jul 14, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

bryansmile wrote:
Mon May 14, 2018 8:20 am
OP, thanks a bunch for your posts and answering questions, both online and in PM, from confused parents of high school seniors. I personally benefited from your posts and received lots of help from you. Thank you!
Thank you!
by timmy
Mon Jul 02, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8222

Re: Any Boglehead powerlifters?

Turbo29 wrote:
Mon Jul 02, 2018 4:46 pm
62yo, 5'10", 194lb. Only do free weights, no machines.

Bench press 200x1
Standing press 135x1
Squat 315x1
Deadlift 385x1

Long arms help my deadlift and hurt my presses.
Bravo!
by timmy
Mon Jul 02, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33802

Re: What is/ was your career and would you recommend it now?

International Man of Mystery! Yeah, baby!
by timmy
Mon Jul 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8222

Re: Any Boglehead powerlifters?

Former competitive powerlifter. I am also a USA weightlifting certified olympic lifting coach, but I never did it competitively. I can still deadlift nearly 3x bodyweight, but injuries (and age) have made it contraindicated for me to squat or press any significant weight and my goals now lean far t...
by timmy
Mon Jul 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8222

Re: Any Boglehead powerlifters?

I incorporate deadlifts. I am working up to 2x my body weight for 1 rep. I was training it 2x per week but dropped to 1x (training for a triathlon now so needed to cut back). I was using a 5x5 progression. 1x per week I would lift max. The other day would be much lower weights. I'm scared that my ag...
by timmy
Sun Jun 03, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18259

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Another option to consider. My son is (just starting to) exploring this right now. So the details are sketchy. He will be working for a small insurance company this summer (computer and math stuff). Anyway, they said if it works out this summer and it is agreeable to both sides, he would keep doing ...
by timmy
Sat Jun 02, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18259

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

It depends: Athletic scholarships are a whole other thing. My comments don't take these into account. Does the school operate need based or merit based? Most of the private elite schools are need based now. In short, they have a formula for determining what you'll pay. For example, if your household...
by timmy
Sat May 26, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Units and Stock Options Strategy
Replies: 21
Views: 2075

Re: Restricted Stock Units and Stock Options Strategy

Should I sell these today, and capture the $10K profit less fees and taxes or let it run? My sense is to sell and diversify or spend or whatever. Someone above mentioned waiting until year 8. I don't fully understand the why on that. Thank you again. I struggled with this for a while also. Receivin...
by timmy
Sat May 26, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24728

Re: Do people still use AAA?

Yes. I fabulous value. My wife drives on the highway a lot. She has no desire to change a tire, etc. It happens once a year (flat, something) that we call AAA. It's a small amount for the peace of mind. I use it when I have issues on the highway. I will not change the flat if it is one the highway s...
by timmy
Thu May 03, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Units and Stock Options Strategy
Replies: 21
Views: 2075

Re: Restricted Stock Units and Stock Options Strategy

I hit "sell" on the RSUs this morning. Question on the options or maybe a clarification from above (made up numbers): I have 100 shares at a strike price of $100. The market price is $200. I was given these 3 years ago, and I can sell them today. I can wait up to 10 years to sell (7 years from now)....
by timmy
Wed May 02, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Units and Stock Options Strategy
Replies: 21
Views: 2075

Restricted Stock Units and Stock Options Strategy

I sell my RSUs and Stock Options as soon as I can. Other than maybe tax implications, is it a sound strategy? My why? I feel the need to: 1) sell to actualize the gains. 2) for the proceeds that I want to invest, I invest according to my overall strategy (mostly stock/ bond index funds). 3) The comp...
by timmy
Sun Apr 22, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Final decision = Notre Dame :sharebeer

A couple of folks have requested a "lessons learned" from our process. I'll post something in May. As noted before, if you'd like something more granular, feel free to "PM me".

Thank you for all the feedback.
by timmy
Wed Apr 18, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11684

Re: Terminal illness with small kids

Bad news = She died this past weekend. Good news = She was able to go home, and had a really good 2 to 3 days (relative to situation). The family has collected about $25K. $15K was given to the husband for funeral expenses, etc. The other $10K is being held until after the burial, etc. I believe the...
by timmy
Sun Apr 01, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Congrats to your son! Great schools that will all open many doors. What type of argument/ask do you make? Is it like, "You may not have heard, but I'm a national merit finalist now so I assume you will increase your scholarship offer?" Negotiated graduate school scholarships. All schools were in a ...
by timmy
Sat Mar 31, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Good question ...

Not quite ...

I'll post more generally about the approach (negotiate) at the end of this. And I can always PM the specifics (assuming it works) if someone found it useful.
by timmy
Sat Mar 31, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11684

Re: Terminal illness with small kids

Her lungs failed. While she is on a mechanical ventilator (right term???), the DOCS expect additional organ failure. It seems the rapid decline was unexpected but I suppose given the chaos that cancer is ... maybe not. Anyway, as it relates to this post, the extended family is gearing up at addition...
by timmy
Sat Mar 31, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Now that the list is final. We will approach each school with a specific ask (discount on their current offer),respectfully presenting our rational. We actually started the process last week. Two off the schools have replied back that they are taking our request into consideration. Our approach at t...
by timmy
Sat Mar 31, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

FINAL LIST Accepted: **Notre Dame **U of IL (engineering) **Rose-Hulman **Purdue (engineering) **Vanderbilt Waitlisted: **U of Chicago **Cornell **Stanford Is your son thinking about working his waitlist options or making a decision based solely on his current acceptances? He has great options...ca...
by timmy
Sat Mar 31, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

My friend’s daughter got word today of being accepted at Stanford...after having been rejected by USC, Pomona, Grinnell. Her only other acceptance was UIUC which she was resigned to attending. Then Stanford came calling. What a day. Yes, the process is interesting, if only for it's real or perceive...
by timmy
Fri Mar 30, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

FINAL LIST

Accepted:

**Notre Dame
**U of IL (engineering)
**Rose-Hulman
**Purdue (engineering)
**Vanderbilt

Waitlisted:

**U of Chicago
**Cornell
**Stanford

Rejected:

**Caltech
**MIT
**Harvey Mudd
by timmy
Thu Mar 29, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 4422

Re: Cosign college loan for sibling?

Wise move. And it took guts.
by timmy
Thu Mar 29, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

YES! Of all the posts here, you stated it best. Within the framework, the decision is his! In sum, he'll have 3 to 6 great choices that he can attend at his decision.
by timmy
Thu Mar 29, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 4422

Re: Cosign college loan for sibling?

I listen to Dave Ramsey. That shows my bias. Anyway, the number of horror story calls (into his show) is enough to scare the hell out of one. It seems these things never end kind of bad ... they end relationships and split families. The fact that this is for college (vs.car, house, start a business)...
by timmy
Thu Mar 29, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Correct, the total cost at U of IL is ~$37k. Actually a tad higher with fees related to the school of engineering. Engineering is on the highest end on their published spectrum. And engineering has the highest fees. (Correct, no merit.) In terms of U of IL, I believe it offers some relief based on i...
by timmy
Thu Mar 29, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

So, obviously he is going to Stanford if he get in. But otherwise, where is he going? Have you visited the campus? If he is deciding between few of them, please do visit those places before making final decision. I never understood what kids see by visiting but I understand it is very important for...
by timmy
Thu Mar 29, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 626
Views: 70433

Re: Picking College and College Scholarships

Ah yes, only Stanford remains, and that's tomorrow night. Cornell released last night. By my math, he has a 2 to 4% chance of getting into Stanford. That's taking into account not applying EA/ ED, his stats, demographics. So no one is holding their breadth :happy :happy :happy Accepted: **Notre Dame...