Search found 581 matches

by A440
Mon Sep 28, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

Re: The College Admissions Game

... He is leaning towards engineering. ... I am trying to avoid DS and DW getting caught up in the stress and drama of applying for college. ... One thing helpful here is that for engineering, school status is less important. Some employers have school preferences when hiring straight out if school...
by A440
Sun Sep 27, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

Re: The College Admissions Game

My OPINION only: Yes, it's a game, but everyone has a chance to win it in a way that makes sense for them. Also my unsolicited opinion, allow your kid space to really do a deep dive when writing and re-writing his essays. So many young people learn a lot about themselves during that process. Good a...
by A440
Sun Sep 27, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

Re: The College Admissions Game

I am trying to avoid DS and DW getting caught up in the stress and drama of applying for college. It is too late. Already by doing anything with Van Buskirk the drama has been raised sky high! And posting about it on bogleheads.org makes the drama go up another notch beyond that! Our daughter gradu...
by A440
Sun Sep 27, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

Re: The College Admissions Game

I am trying to avoid DS and DW getting caught up in the stress and drama of applying for college. I recommend you and your spouse step back and do nothing. Your student should do all the work. No drama for the parents that way. It worked for us. And the 2nd child was even better: Apply to one schoo...
by A440
Sun Sep 27, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

Re: The College Admissions Game

....do the letters of recommendation, or essays really count for much? With all the weirdness going on it would be good to look hard at what classes your kid could take at a community college for the first year as a backup plan just in case they will not be able to take classes in person at the col...
by A440
Sun Sep 27, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4130

The College Admissions Game

Do we have any Bogleheads that work for college admissions? DS son is going through the process now. He is leaning towards engineering. We have read and attended Peter VanBuskirk's presentations (his book is "Winning the College Admissions Game"). Interesting take on the subject, with half the book ...
by A440
Sun Sep 27, 2020 6:12 am
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 78
Views: 6589

Re: Were you nervous when you retired?

I’m following this thread, I’m in a similar place. 51M here and I will retire in 3-4 years. I think we have enough now but I want to get all the kids into college and on their way so we can fund that obligation. Once I see that's taken care of then I will hopefully retire. I like my job most of the...
by A440
Thu Sep 24, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5572

Re: Annual oil changes a must? Car maintenance during these times

If one owns a Tesla, do they even have oil that needs to be changed?
by A440
Sun Sep 20, 2020 6:40 am
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 31
Views: 1838

Re: DIY Auto Detailing Products

So with Fall just about here, these are my favorite products: -Meguiar's Car Wash (two bucket method) -Mother's Clay bar kit (twice a year: spring and fall) -Turtle Wax Hybrid Solutions Ceramic Spray (after clay bar) -In-between waterless wash with either Wash-Wax-All or Turtle Wax Ceramic 3 in 1 de...
by A440
Sat Sep 12, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: 70% VLT automotive window tint. Is it worth it?
Replies: 13
Views: 957

Re: 70% VLT automotive window tint. Is it worth it?

I ended up getting Suntek CXP 35 all around except windshield. This is the darkest tint for the windows allowed by the state for the front windows. The car already had ~70 Trans solar windows from the factory.
It looks great! Just a hint of tint, not too "street racer". :happy
by A440
Sat Sep 05, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: 70% VLT automotive window tint. Is it worth it?
Replies: 13
Views: 957

70% VLT automotive window tint. Is it worth it?

I applied and received a waiver from my state's MVC for permission to get window tint all around the vehicle. However, the requirements are no less than 70% VLT for the windshield and front windows. I have a sedan, so I would most likely keep the amounts the same all around the vehicle. Does anyone ...
by A440
Thu Sep 03, 2020 5:27 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223396

Re: Post your Financial Milestone Announcements Here

DS #2 529 earnings have surpassed our contributions. "Time in the market, not timing the market."
by A440
Thu Aug 27, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17863

Re: Vanguard Makes Changes to its Money Market Funds - What's Best Now?

I switched to Admiral before I learned about the inability to write checks on the upgrade. I called the Flagship customer service number today. The rep didn't know about the change and wanted to learn how I received the information so she could pass it on to her team. :confused Wait??? What??? Remin...
by A440
Wed Aug 19, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 8903

Re: Comcast - lease modem/router or buy?

I’m having a ton of issues where I lose connectivity and have to reset the modem. Not sure if it is the equipment or issues with Comcast service being overloaded because of covid. This is what we were experiencing. More specifically, "Connected, no internet". Resetting the modem would fix it, but w...
by A440
Tue Aug 18, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13147

Re: When should one share financials with their children?

I'm fairly certain my soon to be college bound DS will get an idea of our financials when we fill out the FAFSA together this fall. I like the way Dave Ramsey put it in his and his daughters book Smart Money, Smart Kids when his son found out their financials. "Wow Dad! It looks like we're doing rea...
by A440
Mon Aug 17, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 8903

Re: Comcast - lease modem/router or buy?

"Not sure why A440 resurrected a dead thread." Only because we had to make this decision last March or April during the peak of COVID in NJ and I had two teens complaining that our wifi wasn't working and asking why we were the only house that seemed to have internet issues in our town. :happy It se...
by A440
Sun Aug 16, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 8903

Re: Comcast - lease modem/router or buy?

We had our own Arris Surfboard Gateway for two years and another one two years prior. During the start of stay at home in March we started having issues. We got all new cables from the tap and into the house and connected the cable directly to the gateway, no splitters. Comcast blamed our gateway so...
by A440
Sun Aug 16, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15812

Re: Should I purchase a whole house generator?

FWIW, regardless of what type of power source one uses, pulling our refrigerator out of its "nook" in our kitchen is a PITA. It is a tight fit between the cabinet panels and needs to be fully pulled out to access the plug. Additionally, it also has a water line for the ice maker and water dispenser ...
by A440
Fri Aug 14, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Suggestions for In-home care for seniors near southern Delaware
Replies: 5
Views: 474

Re: Suggestions for In-home care for seniors?

Sorry, I should have been more specific. I'll edit the subject for a better result. I can find companies without any difficulty. However, I am looking for recommendations or suggestions from other Bogleheads who have used or use these services. A more specific location would be around Dover, Del and...
by A440
Fri Aug 14, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Suggestions for In-home care for seniors near southern Delaware
Replies: 5
Views: 474

Suggestions for In-home care for seniors near southern Delaware

My in-laws are at the point where they would benefit from in-home care. They seemed determined to stay put in their home. I'm not sure where to start for in-home care to do cleaning, grocery shopping and cooking meals (to start). They live in Delmarva area (Del, MD, VA). Any suggestions on which com...
by A440
Thu Aug 13, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15812

Re: Should I purchase a whole house generator?

I used an outdoor compost bin like this https://www.amazon.com/Redmon-Green-Culture-65-Gallon-Compost/dp/B003HOR8BK/ref=sxin_7_ac_d_pm?ac_md=2-0-VW5kZXIgJDc1-ac_d_pm&cv_ct_cx=outdoor+compost+bin&dchild=1&keywords=outdoor+compost+bin&pd_rd_i=B003HOR8BK&pd_rd_r=d56251ce-ba64-4909-ae7d-4a06b9ceef8c&pd_...
by A440
Wed Aug 12, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Wasp nest
Replies: 117
Views: 6939

Re: Wasp nest

I would retrieve the lawn mower well after dark. The entire nest will be agitated for several hours. Can you see the area of the nest from a window? Their activity after being agitated will give a good idea of the nest's location. The location of my lawn mower gave us a rough location of the nest. ...
by A440
Tue Aug 11, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: Roth 403b
Replies: 13
Views: 732

Re: Roth 403b

Was the financial rep from AXA/Equitable? If so, find a new rep.
by A440
Mon Aug 10, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Single sink to double sink conversion- Is it a DIY project?
Replies: 3
Views: 418

Single sink to double sink conversion- Is it a DIY project?

We would like to change out our single sink vanity for a two sink vanity. I remember seeing an episode of "Ask This Old House" where plumber Richard Trethewey did this for a homeowner and it seems fairly straight forward. Have any Bogleheads done this? Is it a fairly easy DIY project? I have not con...
by A440
Sun Aug 09, 2020 8:14 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 13073

Re: Lincoln Investments "Participant Directed Platform"

Contact your closest Lincoln Investment office and ask how to get started. If they can't help you, ask who can. If that doesn't work, contact the Fort Washington, PA office: (215) 886-7695 I've only needed to contact them once since switching over to the PDP plan. Good luck and stay safe as we retur...
by A440
Fri Aug 07, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: How Can I Reduce Total Market's (VTI) Tech of 25%
Replies: 42
Views: 3380

Re: How Can I Reduce Total Market's (VTI) Tech of 25%

For years and years I have followed the "rule" and put my equity investments in a low-cost Index funds (or ETFs) representing the "Total Market" -- such as Vanguard Total Stock Market Index ETF (VTI). But now the Total Market has become weighted to 25% "tech." Just 5 tech firms now make up 17% of t...
by A440
Thu Aug 06, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15812

Re: Should I purchase a whole house generator?

A 2000W inverter generator should be plenty to run a modern refrigerator with minimal noise compared to less expensive portable generators. These can be had for $500-1000 (The base model Champion on sale price at the low end, and a Honda at the high end). We lost power for about 20 hours because of...
by A440
Fri Jul 31, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Amex and Rakuten wine deal
Replies: 7
Views: 841

Re: Amex and Rakuten wine deal

OP, have you actually received the AMEX and Rakuten cash back? DoctorofCredit’s post about the AMEX $20 offer (link below) had a couple comments that made me wonder if this would really combine for $64.50 cash back. https://www.doctorofcredit.com/amex-offers-wineinsiders-com-spend-20-get-20-stateme...
by A440
Fri Jul 31, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Amex and Rakuten wine deal
Replies: 7
Views: 841

Amex and Rakuten wine deal

I know very little about good wine. Truth be told, I'm content buying a 5 liter box at my discount liquor store for $15 and having it last several weeks. However, now and again the "stars" align and a good deal becomes available for one of the several wine "clubs" online. It is interesting to try th...
by A440
Fri Jul 31, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: I agree that Investing is better than paying off mortage but.....
Replies: 75
Views: 6926

Re: I agree that Investing is better than paying off mortage but.....

I'm a teacher as well, and the only earner for our family of 4. I paid off our modest home with a lump sum after a successful investment real estate venture just before the bubble burst (being a landlord was one of several side hustles I had and it was a lot of work!). Even though I knew investing i...
by A440
Thu Jul 30, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4474

Re: Buying a new car using Costco

I used Costco for a price that I could print out and show to competing dealerships. In the end, it helped me get a better price on the exact car I wanted at a different dealership.
by A440
Thu Jul 30, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: Why isn't Social Security like a deferred annuity?
Replies: 30
Views: 2633

Re: Why isn't Social Security like a deferred annuity?

Hope for the best, plan for the worst. The COLA is on hold until a time in which the TPAF meets certain funding criteria by the state. It is a large fund, but pales in comparison to the size of social security system. I don't think I am permitted to go into a more political discussion, so I'll stop ...
by A440
Mon Jul 27, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: Why isn't Social Security like a deferred annuity?
Replies: 30
Views: 2633

Re: Why isn't Social Security like a deferred annuity?

OP, may I ask along what dimensions you are trying to compare the 2? What are you trying to figure out? Sure...My "argument" against a deferred annuity in a 403b in the teaching profession is that (at least in NJ) we already have two: a pension and social security and they are superior to what the ...
by A440
Mon Jul 27, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Why isn't Social Security like a deferred annuity?
Replies: 30
Views: 2633

Re: Why isn't Social Security like a deferred annuity?

Social Security is mandatory and is generally considered a good deal. People tend to get more than they put in. Inflation adjusted. Lasts forever. Very low risk. Ummm, not sure about this one... https://www.ssa.gov/slge/mand_ssandmed_cov.htm Beginning July 2, 1991, Social Security and Medicare Hosp...
by A440
Mon Jul 27, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: Why isn't Social Security like a deferred annuity?
Replies: 30
Views: 2633

Why isn't Social Security like a deferred annuity?

I always enjoy a little banter with 403b reps in the teacher's room, especially the younger reps from AXA/Equitable and Voya. Don't get me wrong, I'm happy they found a career and had a successful launch towards being an independent adult. But, I wonder if they really understand the products they ar...
by A440
Sun Jul 26, 2020 6:48 am
Forum: Personal Finance (Not Investing)
Topic: New Teen Driver Liability
Replies: 26
Views: 1903

Re: New Teen Driver Liability

Adding 17 year old son last fall doubled the auto policy premium (2 cars/3 drivers). I shopped around and got a much better deal. The addition of a third car added a few hundred dollars more, but newer cars are cheaper to insure than older ones. I guess because they are safer?? Adding him to our umb...
by A440
Sat Jul 25, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: how to find a good power washing company
Replies: 9
Views: 574

Re: how to find a good power washing company

Try using Mold Armour https://www.homedepot.com/p/Mold-Armor-64-oz-House-Wash-Hose-End-Sprayer-FG51164/301530684 or Wet and Forget https://www.walmart.com/ip/Wet-Forget-Outdoor-Hose-End-Rapid-Application-48oz/476924622?wmlspartner=wlpa&selectedSellerId=1194&&adid=22222222227146126318&wl0=&wl1=g&wl2=...
by A440
Thu Jul 23, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How much to contribute to newborn 529 plan?
Replies: 27
Views: 1674

Re: How much to contribute to newborn 529 plan?

We use Iowa's plan run by Vanguard collegesavingsiowa.com because of the low expenses and because our own state, NJ, has no good options. We started contributions after our children were born as well with the aggressive age-based option. After fully funding our Roth's, we did $350/month and were abl...
by A440
Tue Jul 21, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Subaru Starlink Safety Plus Subscription Discount Code
Replies: 11
Views: 5184

Re: Subaru Starlink Safety Plus Subscription Discount Code

STARLINK9 worked for me today. Saved $74.50 on a $149 price.
by A440
Fri Jul 17, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8559

Re: Elementary school in Fall - choose Virtual or In-person

Very difficult call. I suspect most schools will have some hybrid plan with half the school attending on one day and half another. As a parent of two teens and also an educator of middle school students I got to see both sides of distance learning this spring. On the educator side, I felt like a fir...
by A440
Thu Jul 16, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: why get - or not get - umbrella insurance?
Replies: 13
Views: 1105

Re: why get - or not get - umbrella insurance?

OP - for me, having teenage drivers (or drivers under age ~25) in my house is one of the most compelling reasons for umbrella policy coverage. Young, inexperienced, and potentially distracted drivers are a significant risk. I'm in CA and pay about $600 a year for $2M. I don't have income properties...
by A440
Thu Jul 16, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3636

Re: Repair Refrigerator?

While you are waiting for service, check out www.repairclinic.com Put in your model number and click on the problem you are having. It will give possible solutions, video instructions how to fix it and the cost of the part(s) delivered. This site has saved me many times with all our appliances. To b...
by A440
Wed Jul 15, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Public school educators and staff: File Application for retirement just for beneficiary benefits.
Replies: 5
Views: 519

Re: Public school educators and staff: File Application for retirement just for beneficiary benefits.

Yeah, leave it to NJ to be overly complicated and nonsensical. That is why I am curious if it just a NJ thing or if others states have something different.
by A440
Wed Jul 15, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)
Replies: 38
Views: 2520

Re: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)

This is on my research list, since I've been planning to upgrade my bathrooms (the project is on hold now due to the pandemic). While on long work trips at hotels, the 1.28g Toto Drake II and Ultramax II worked well. The Toto Entrada also has good reviews, and a lower price point. So I'll be going ...
by A440
Tue Jul 14, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Public school educators and staff: File Application for retirement just for beneficiary benefits.
Replies: 5
Views: 519

Public school educators and staff: File Application for retirement just for beneficiary benefits.

Curious if other teachers and staff members know about this as one gets closer to retirement. At least in NJ (TPAF), if one has submitted an application for retirement and chosen a beneficiary, they would receive your pension payment beginning in the month of your retirement if you should pass befor...
by A440
Sat Jul 11, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 33
Views: 2205

Re: Remodel or move?

You can change your house, but not your neighbors or neighborhood make up. I agree with the others and would remodel. See if your township offers a tax abatement for improvements. If so, it will help with the property tax bite for a few years.
by A440
Sat Jun 27, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3732

Re: Dress Shirts

In my younger years I bought Ralph Lauren Polo shirts that I barely could afford and ironed them because I couldn't afford to get them laundered. Now that I can afford them, I just buy Costco wrinkle-free shirts and wash and dry them. I don't feel the need to impress anyone anymore. BTW, do you know...
by A440
Sat Jun 27, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: phone service through Comcast
Replies: 15
Views: 977

Re: phone service through Comcast

tiburblium wrote: Fri Jun 26, 2020 5:46 pm Have you considered Ooma instead?

https://www.ooma.com/home-phone-service/
+1 $5-6 dollars a month, unlimited calls+911
by A440
Sat Jun 27, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 71
Views: 4549

Re: DVR for OTA TV

If you tend to watch a lot of PBS shows, another option for PBS is to use their Passport streaming service. Either $5/month or $60/year for a tax-deductible member donation. You still wouldn't be able to DVR other channels, but many channels offer streaming shows for free. If they have what you want...