Search found 54 matches

by Student2
Sat Dec 07, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 5735

Re: Does anyone have a dishwasher they recommend?

Definitely Miele. They are not as widely known as other brands, but that's at least in part due to the fact they don't spend much on advertising and count on word of mouth. Good Bavarian engineering :D ... yes, that means the wash cycles are pretty long, but I appreciate the energy efficiency. We do...
by Student2
Mon Oct 28, 2019 9:10 pm
Forum: Personal Investments
Topic: any canucks living in US? i've got an RRSP question
Replies: 7
Views: 643

Re: any canucks living in US? i've got an RRSP question

As emlowe stated, depending on your balances and your plans to return to Canada some day, it may just be easier to liquidate your account. That said, you can choose to keep your RRSP and you no longer have to file annually to report it. The IRS no longer requires you to disclose amounts and returns ...
by Student2
Mon Oct 28, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for transferring +/- 100k Euro to US$ account
Replies: 11
Views: 782

Re: Best option for transferring +/- 100k Euro to US$ account

I'm no expert, but I suggest you take a look at "Norbert's Gambit" in the Canadian forum's wiki https://www.finiki.org/wiki/Norbert%27s_gambit . This is a way to optimize the transfer rate for currency. I'm not sure it will work for euros, but in principle, if it's possible to find a stock that is t...
by Student2
Sat Oct 05, 2019 8:40 pm
Forum: Personal Investments
Topic: Transfer into former employer's 401(k) possible?
Replies: 25
Views: 1675

Re: Transfer into former employer's 401(k) possible?

Just fyi, re: rollovers into former employers, my 403(b) at TIAA allows rollovers even after detachment. Given the availability of TIAA's RE fund, along with their other funds at institutional fee rates, I consider myself very fortunate especially now that you tell me how rare this is.
by Student2
Sat Oct 05, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4441

Re: Recommendation for Carry on Luggage

I entirely agree with Stan1 that a USB/battery pack is probably more flexible (especially if you had a solar panel charger for THAT), but it’s my Away battery that made me appreciate that. In my daily life, I’m never more than a few feet away from an outlet so it’s mostly not an issue. When I’m trav...
by Student2
Tue Oct 01, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Efficient way of transferring Euro to USD
Replies: 19
Views: 1373

Re: Efficient way of transferring Euro to USD

Given your comment that this involves a senior, this may not be feasible, but you should look at Norbert's Gambit on the Canadian forum (or just google it) as a way to get an exchange using a more optimal fee schedule than the banks usually offer.
by Student2
Tue Oct 01, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3370

Re: Salt-Free Water Softeners

Seems like several Bogleheads with more expert knowledge have weighed in. The only thing I didn't see was that to minimize the amount of salt you use, you may want to consider getting a metered tank. Someone alluded to that, but didn't mention this option. Many water softeners regenerate the resin a...
by Student2
Tue Oct 01, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4441

Re: Recommendation for Carry on Luggage

I have lately grown quite fond of Away ]https://www.awaytravel.com/ . They're the luggage you've seen in airports that has a built-in battery. The battery is easily removable at the gate even, if you need, and the company is decent. I had an older version of the Away larger carry-on and I had to uns...
by Student2
Thu Sep 12, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: American kids attending Canadian Universities??
Replies: 22
Views: 2770

Re: American kids attending Canadian Universities??

texasdiver I attended UBC for undergrad and stayed to work in life sciences for many many years. I later went to grad school at UW, so I can compare the two. I knew people who went from UBC to Harvard, Yale, etc and their experience was that they were as well-prepared, if not better in some cases, ...
by Student2
Mon Aug 19, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help confirm the best mortgage options
Replies: 8
Views: 794

Re: Help confirm the best mortgage options

Plug your numbers into this MortgageProfessor refinance calculator (1 FRM into another) and check which loan comes out ahead, based on your credit score, years expected in house (I use one year to get an idea of the total outlay, but if you expect to be in your house longer, you could use that term)...
by Student2
Mon Aug 19, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Refinance Under the Following Circumstances
Replies: 16
Views: 1038

Re: Would You Refinance Under the Following Circumstances

Sounds like you have good resources. You can also look at MortgageProfessor to find current rates from upfront mortgage lenders. Based on my zip code, 15-year refinance using your loan balance and home value and an excellent credit score, the best rate was 3.25. If you're refinancing from one fixed-...
by Student2
Mon Aug 19, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3296

Re: Pharmacist to Data Analyst Role

What you are describing is, essentially my profession. I am a quantitative data scientist working in pharmacoepidemiology. A pharmacist with training in epidemiology has the potential to contribute in several areas related to drug development. At one extreme is a combined PharmD + PhD in epidemiolog...
by Student2
Sun Aug 18, 2019 12:36 pm
Forum: Personal Investments
Topic: Single-stock investing in taxable or Roth?
Replies: 39
Views: 1914

Re: Single-stock investing in taxable or Roth?

Well, to be perfectly boglehead about it, single-stock investing is not investing, it's speculating. Nothing wrong with that, as long as you have enough invested for your needs. As speculation, you should not take up valuable tax-advantaged space to house this speculation. UNLESS you have enough mon...
by Student2
Sat Aug 17, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?
Replies: 12
Views: 2256

Re: Mortgage refinance - should I go from 4% => 3.5%? Why did mortgage rates tick up as economic data has been hesitant?

To help you figure out whether it's worthwhile to refinance or not, I like to use the refinance calculator at MortgageProfessor ( https://mtgprofessor.com/CalculatorArticles/Refinance-Calculator.html -- use the one you need). Make sure you understand ahead of time what it is you're looking for -- if...
by Student2
Mon Aug 12, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: I am buying a new house soon ( first buyer ...) advice ...
Replies: 10
Views: 1781

Re: I am buying a new house soon ( first buyer ...) advice ...

You need to include whether or not you are paying points and what your closing costs look like. These, and the interest rate are the triumvirate of profit for mortgages. Without knowing all 3, it's hard to say whether you are getting a good rate. I would recommend you spend some time on the mortgage...
by Student2
Mon Aug 12, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1205

Re: Moving from Canada -> USA tax implications

You may have better luck getting a reply if you post on the Canadian forum https://www.financialwisdomforum.org/forum/index.php . (Dual citizen here, but my circumstances were much less complex than yours.) In my experience, you can sometimes find Canadians (or dual citizens) with information on cro...
by Student2
Sat Aug 03, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: If I have HSA at work can I open a separate HSA through Fidelity?
Replies: 10
Views: 1069

Re: If I have HSA at work can I open a separate HSA through Fidelity?

An HSA is just a type of account. You can have as many accounts at different HSA custodians as you like, but you can only contribute a maximum total to your HSA (in 2019 $3500 for an individual HSA and $7000 for a family). The advantage of an employer-sponsored HSA is that contributions you make are...
by Student2
Sun Jul 21, 2019 7:26 pm
Forum: Personal Investments
Topic: 529 savings if not used
Replies: 6
Views: 1061

Re: 529 savings if not used

I have read that the penalty for 529 accounts is set too low because it doesn't prevent use of the 529 as an alternate retirement investment or, more likely, to contribute the maximum they can afford* regardless of whether they expect to be able to use it for education purposes or not. The idea bein...
by Student2
Thu Jul 04, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Mortgage Refinance Question
Replies: 10
Views: 1340

Re: Mortgage Refinance Question

I like the calculator at Mortgage Professor https://www.mtgprofessor.com/CalculatorArticles/Refinance-Calculator.html (pick the calculator that best describes your goals). If you go all the way through the calculator, the website will offer you a list of 'upfront mortgage companies'. TL,dr: shop for...
by Student2
Thu Jul 04, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1962

Re: Prescription drugs - how to determine country of origin?

Like many things with multiple components, non-biologic medications are likely sourced from many different places and shipped, sometimes across national borders, to where the medication is made. Biologic medications (e.g., proteins like insulin) are produced all at once in a bioreactor, but the mate...
by Student2
Sat Jun 15, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4962

Re: Radon levels in home

I would recommend that you test. Depending on what you find, you may want to take steps to lower radon levels in your home. Most homes are pretty leaky, so even if you're recirculating air, the radon level of the recirculated air will probably not tend to be a simple average of the upstairs and down...
by Student2
Fri Jun 07, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to get a mortgage these days?
Replies: 7
Views: 1192

Re: Best place to get a mortgage these days?

I found this site https://www.mtgprofessor.com/home.aspx very helpful. I learned a lot and, if you go all the way through the process, you will also get mortgage rates from "up front mortgage brokers" which are useful even if they are not who you choose to buy your mortgage from. I have purchased an...
by Student2
Tue Jun 04, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 4201

Re: How to get the lowest mortgage rate?

Thanks everyone for the input. I've been reading mtgprefessor. I'll definitely check bankrate, mtgprefessor and Zillow for the rates on the same date and ask for no-cost loan. For the pre-approval, I know when I find the right house, I don't need to go with the one who gave me pre-approval. Does it...
by Student2
Sat Jun 01, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 4201

Re: How to get the lowest mortgage rate?

What blackholescion and arcticpineapplecorp said is also what I have experienced, but to be able to properly compare the quotes you get, you need to have all the quotes provided on the same day. I learned a lot by reading https://www.mtgprofessor.com/home.aspx when I first purchased and, later, refi...
by Student2
Sat Jun 01, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank/Lender for 15 year fixed mortgage?
Replies: 15
Views: 1631

Re: Best Bank/Lender for 15 year fixed mortgage?

aerosurfer wrote: ↑Fri May 31, 2019 10:57 pm I was very satisfied with AIMloan.com. Very easy to work with, transparent and delivered the best rate I could find at the time within 30 days. +1. Aimloan employees were very knowledgeable & able to explain things clearly, and responsive - far better th...
by Student2
Tue Apr 16, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3411

Re: Basement water issues

I am no expert and hopefully someone with more experience will weigh in, but I also have an occasionally damp basement and have spent some time reading about this. Many basements built around the time of my house, early 50s, were not designed to be dry. Previous occupants didn't expect the basements...
by Student2
Thu Apr 04, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1345

Re: Help me plan 3 days in Vancouver

Vancouver expat here, I second what others have said about Stanley Park. If you like to walk, you'll enjoy the seawall. There are plenty of restaurants on Denman St and nearby, but depending on whether you want to find someplace casual you may want to end at English Bay (walking from North side of s...
by Student2
Sun Jan 20, 2019 6:59 pm
Forum: Personal Investments
Topic: Beginning investing late at 50 years old
Replies: 6
Views: 1544

Re: Beginning investing late at 50 years old

Congratulations Leb4123 and welcome to the forum! I think you will find a great deal of information on this site to help you plan your retirement . Many Americans do not have any money saved for retirement so you will be ahead of the game. While it's true that you will have to save more because you ...
by Student2
Tue Jan 01, 2019 2:04 am
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 20
Views: 1958

Re: Radon Mitigation System

From a reply I posted in another thread, I would not take radon lightly and I would not recommend anyone under mid/late-sixties spend much time in a basement with radon levels even near 4 pCi/L. I am an epidemiologist and worked in cancer research for many years. I echo what adamthesmythe commented ...
by Student2
Sun Oct 14, 2018 12:08 pm
Forum: Personal Investments
Topic: [How much should I contribute to my 401k?]
Replies: 8
Views: 801

Re: [How much should I contribute to my 401k?]

CorradoJr : No, my BigCorp pays the match over the year, in each annual pay period. If I max out my contributions and the deductions for MY contributions stop being deducted from my checks, THEIR match continues. The match at my company is based on percentage of salary and I think they consider tha...
by Student2
Sun Oct 14, 2018 11:40 am
Forum: Personal Investments
Topic: [How much should I contribute to my 401k?]
Replies: 8
Views: 801

Re: [How much should I contribute to my 401k?]

Since joining BigCorp, I also maxed out my 401k. One year, due to the inaccuracies in my estimations, I left money on the table (<$300, but still, it's tax-deferred space gone forever :oops: ). After that, I raised my contribution level so that I would max out no matter what, before year-end. I conf...
by Student2
Sun Oct 07, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1410

Re: Radon

I am an epidemiologist and worked in cancer research for many years. I echo what adamthesmythe commented to you. 4.0 pCi/L was the level agreed upon by a governmental and scientific organizations (e.g., CDC, American Lung Association, etc.) ( Radon Fact Sheet at cancer.gov). A slightly higher action...
by Student2
Thu Oct 04, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2993

Re: Carry On Luggage Recommendations

I second the recommendation for bags from Away https://www.awaytravel.com/ . They make carry-on's in two sizes and several colors. I tried a colleague's old Tumi bag and the wheels on the small carry-on I bought did not have the same robust 'feel' as those on his old Tumi, but then neither did the n...
by Student2
Thu Oct 04, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1768

Re: Washington, DC Trip & Fine Dining in the Area

Chowhound website and forums. It's not what it once was, but it's still beats most sites out there for food and restaurant info. For restaurants in Washington DC reported on in the last year look here: https://www.chowhound.com/search/?q=washington%20dc&c=topics%7Cposts&o=published&after=2017-10-05&...
by Student2
Sat Sep 29, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2684

Re: What should you do if you have to use Facebook?

It depends on why you have to use it, but without knowing more, my advice would be that you minimize what you use it for, carefully review the privacy settings and exercise control of your posts. Don't post publicly unless you mean / have to. Don't share with friends of friends unless you have to / ...
by Student2
Mon Sep 17, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Aimloan.com for a refinance?
Replies: 12
Views: 1208

Re: Aimloan.com for a refinance?

Like you, I heard about AimLoan from the Bogleheads...count this as yet one more valuable bit of information I got from reading posts here. It was with a little trepidation that we selected them for our refinance, but we are both very satisfied with them. I compared rates from another online lender,...
by Student2
Fri Sep 14, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Enchroma Glasses
Replies: 3
Views: 576

Re: Enchroma Glasses

I, too, have considered getting a pair of these glasses for a relative. The science behind them is explained simply and the company offers a 60-day return policy for people in the US who buy directly from the site ... so low risk. Now I just need my relative to agree to try them. As they explain on ...
by Student2
Fri Aug 10, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1438

Re: Best way to send flowers out of town

I've had terrific service from Flower Muse ( http://www.flowermuse.com ). It's been a little while since I've used them, but they've provided me (and my recipients) with fantastic bouquets. They are similar to The Bouqs ( https://bouqs.com ). I've used them too but have more experience with FlowerMu...
by Student2
Wed Jul 04, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 9421

Re: Cheapest way to buy a phone in 2018?

I have found that the best way to keep my family in relatively recent phones is to purchase older model unlocked phones outright, then swap (or purchase) the cellular plan. (I typically don’t get a data plan, but then we’re all in front of or have access to a computer/WiFi most everywhere, so: meh)....
by Student2
Sun May 20, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer tips/ mortgage rates
Replies: 13
Views: 4050

Re: First time home buyer tips/ mortgage rates

Bogleheads have discussed the “pay off mortgage quickly” vs saving money many times in these forums and you can search on that to read the discussions...but that wasn’t your question. As a first-time buyer (and even as a more experienced one who wants to evaluate different scenarios), I recommend yo...
by Student2
Sun Apr 15, 2018 2:38 pm
Forum: Personal Investments
Topic: Funding an IRA (Roth & SEP) at last-minute before tax deadline
Replies: 6
Views: 697

Re: Funding an IRA (Roth & SEP) at last-minute before tax deadline

As mentioned above, just put it anywhere and transfer the funds afterward. And by anywhere, I’d start by considering IRA accounts at the bank where you have the money currently. You can move it into a bank account in an IRA and, hopefully, your bank will be able to set up the account in less time. T...
by Student2
Fri Jan 12, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 3462

Re: Insurance: Who do you use? (Auto/Home)

I use Amica for both and umbrella based on recommendations in this forum. I also read good reviews about USAA and would have considered them, but I wasn’t eligible. The most important criteria for me, which you might consider, was not price, but the experience of receiving (and submitting) a claim. ...
by Student2
Sun Oct 29, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 5511

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

+1 for James865 and ragnort’s comments. The US lags the world in the quality of sunscreen ingredients, so I highly recommend you buy your sunscreen outside the country if you travel. I am in Canada once per year so take advantage to stock up. I also recommend the Ombrelle line of sunscreens. They ar...
by Student2
Sun Aug 06, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 7196

Re: Home Security System with/without monitoring

I have also been researching this lately and I came across a very useful website, https://www.vueville.com/ . It belongs to a fellow who is very much DIY and seems to have a sophisticated system, including use of closed circuit cameras that record to a personal NAS which he accesses remotely. For an...
by Student2
Sun Aug 06, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Best mortgage shopping for refinance
Replies: 6
Views: 1101

Re: Best mortgage shopping for refinance

I've found https://www.mtgprofessor.com/CalculatorArticles/Refinance-Calculator.html extremely helpful. It was suggested by another Boglehead (source of all good info). I've provided a link directly to the refinance calculator because I imagine that's what you need, but there are lots of useful arti...
by Student2
Mon Jan 02, 2017 4:39 pm
Forum: Personal Investments
Topic: HSA Conundrums
Replies: 6
Views: 1190

Re: HSA Conundrums

With regard to the investment part of your question (#3), I have an HSA with a similar objective as yours, i.e., paying healthcare costs out of pocket and investing the contents. I have the HSA funds allocated in two buckets, those I might need for an unexpected and large healthcare expense and thos...
by Student2
Mon Jan 02, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2823

Re: HSA question

Even if the employer contributes money to the HSA, you can still roll it out for free once per year, to the HSA custodian of your choosing. (You could do it more often, but my HSA custodian charges a transfer that I refuse to pay and the free method is only allowed once per year, by law.)
by Student2
Sun Dec 04, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle (weekend trip)
Replies: 21
Views: 2339

Re: What to do in Seattle (weekend trip)

You could visit Canada. Downtown Victoria is just a passenger ferry trip away. Victoria, the capital of British Columbia, is on Vancouver Island. It's a very pretty, quiet city that has a slight British feel. You'd travel through Puget Sound and the Juan de Fuca strait, which is itself one of the mo...
by Student2
Sun Sep 11, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment Question
Replies: 21
Views: 2913

Re: Downpayment Question

Sounds like you have a good start on saving, both for retirement & for a future home purchase. The bogle thing to do, as you're hearing, is to wait until you have 20% saved for your house purchase. That said, I also purchased with less than 20% to take advantage of an opportunity (company paid all c...
by Student2
Mon May 30, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Help: Credit dropped 100 points in a month.
Replies: 10
Views: 2976

Re: Help: Credit dropped 100 points in a month.

There are dozens of different credit scores, including FICO scores and proprietary scores used only in that business. As prudent pointed out, you may have been comparing apples and oranges. It is very common for scores from different sources and different algorithms to differ, some of mine have vari...