Search found 2118 matches

by adamthesmythe
Tue Aug 21, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do?
Replies: 29
Views: 1564

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You might check who signed the diploma. Just tongue in cheek. I hate to see anyone have to waste time correcting this type of error, but here's a wsj story from August 19. https://www.wsj.com/articles/nice-degree-but-your-diploma-gets-an-f-for-spelling-1534696400?mod=searchresults&page=1&pos=1 The ...
by adamthesmythe
Tue Aug 21, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 29
Views: 1267

Re: Where to buy engagement ring?

So an engagement ring is something that is not useful, is expensive, and has little resale value. Is there something else we can use as a society to express commitment? Where the measure of the commitment is the willingness to spend a bunch of money on something useless? Maybe buy the fiancee a real...
by adamthesmythe
Tue Aug 21, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Help with web development contract
Replies: 5
Views: 156

Re: Help with web development contract

I want to make sure that the programmer does not: - steal my content/files - give other people FTP access to either server environment - re-use the same code on another site - sell my work, etc. Thanks! I would not work for someone who would expect me to sign this..It comes across as paranoid. Just...
by adamthesmythe
Tue Aug 21, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 13
Views: 324

Re: Good Non-Boring Boglehead Cars Under $30k

New: Honda Accord Honda Civic Only in Si/R form Subaru Forester, Outerback Boring Toyota Camry Boring VW GTI, Jetta Boring And Mazda MX5 Miata Used: Audi Quattro A4,5 BMW 3,5 Lexus RX Boring A few of these don't really satisfy the non-boring requirement. Top Gear used to have the boring/ not boring...
by adamthesmythe
Tue Aug 21, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Is It Possible to Ever Not Have to Worry about Debt
Replies: 12
Views: 452

Re: Is It Possible to Ever Not Have to Worry about Debt

I do worry a little about remembering to pay my monthly credit card bill on time.
by adamthesmythe
Tue Aug 21, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Traditional college financing
Replies: 8
Views: 376

Re: Non-Traditional college financing

At a similar engineering school, I saw many students take general education courses over the summer at community colleges, etc. This allowed them to graduate a semester or two early. I have seen that the one-semester-early graduation has been increasingly common. There are liabilities to this approa...
by adamthesmythe
Tue Aug 21, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Union at Fed job
Replies: 20
Views: 1580

Re: Union at Fed job

I have worked on the management side of several manufacturing companies that had unionized workforces. They tended to make the operation inefficient and worked against the interest of the shareholders. Because of that experience, I am not a fan of unions. I also do not like that they take members' ...
by adamthesmythe
Tue Aug 21, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do?
Replies: 29
Views: 1564

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

It's possible they made a mistake. It's possible that you have satisfied the requirements for a course option degree when you thought you were after a project or thesis option. Start by talking to the department. The university awards degrees when the department tells them to do so (unless the softw...
by adamthesmythe
Mon Aug 20, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 630

Re: Shower too HOT

It's possible the mixing valve has some problems. OR the handle is loose.
by adamthesmythe
Mon Aug 20, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2421

Re: Retire and become an Adventure Guide

It may be best to do this when you are young and assetless, because of the potential for personal liability. At minimum an older person would want to be sure that the company's liability insurance is ironclad. Be sure that you have the personality to provide a degree of entertainment and to deal wit...
by adamthesmythe
Mon Aug 20, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 742

Re: Establishing Residency as College Tuition Strategy

Check school ratings. I got an MSME from UoI, Urbana-Champaign. At the time, it was ranked as one of the best public universities, specifically, in engineering. University of Iowa was just one of generic state schools. University of Wisconsin seemed better than Iowa but not comparable to Illinois. ...
by adamthesmythe
Fri Aug 17, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 31
Views: 1693

Re: ICE or a hybrid car

You might want to have a look at this article, in a magazine for ELECTRICAL engineers https://spectrum.ieee.org/transportation/efficiency/mazdas-new-skyactivx-engine-gives-new-life-to-internal-combustion Personally I'll believe the internal combustion engine is on its way out when I start seeing cha...
by adamthesmythe
Fri Aug 17, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 76
Views: 3657

Re: physics/math major looking for programmer/analyst job?

> My nephew graduated a year ago from stony brook university (quite apart from all the suggestions above) where was the university placement office in all this?? At all reputable universities (and I am sure stony brook is one of them) the placement office has many valuable resources. And technical g...
by adamthesmythe
Thu Aug 16, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 24
Views: 1588

Re: Lock Suitcases on International Flight or Not?

VictoriaF wrote:
Thu Aug 16, 2018 5:15 pm
I never lock my checked-in luggage and don't have anything in it worth taking.

Victoria
Yup. That's the way to go.
by adamthesmythe
Thu Aug 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1525

Re: Best (cheapest) way to book a flight well in advance

invst65 wrote:
Thu Aug 16, 2018 1:49 pm
Google flights. You can set up fare watches and look at charts of how the prices are fluctuating over time.
Then you use technical analysis to decide when to buy??
by adamthesmythe
Thu Aug 16, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 10
Views: 672

Re: Master bathroom addition question

Hi BH, Pondering a master bathroom addition in 2-3 years. Does a master bathroom addition need to be next to/near existing bathroom for use of plumbing. The longer the plumbing run the greater the cost. How much greater comes down to specifics. Some locations for a bath might be virtually impossibl...
by adamthesmythe
Wed Aug 15, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 1911

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

> Son want to study astrophysics.

I have a hard time understanding the 'stans are a good idea.

Presumably he would be getting an undergraduate degree and looking to go to grad school. He really needs to go to a place with an internationally known physics program.
by adamthesmythe
Wed Aug 15, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2711

Re: Discarding dead cell phone without purging my data

Buncha amateurs. I scrap electronics for a hobby and for extra money. I can tell you that if you drill a hole in a hard drive platter, the data is recoverable. Magnets are your friend there. Breaking hundreds of disks into hundreds of pieces is your friend. But be careful, some game systems like X ...
by adamthesmythe
Tue Aug 14, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1957

Re: Sidewalk repair - price in line?

denovo wrote:
Tue Aug 14, 2018 7:27 pm
fsrph wrote:
Tue Aug 14, 2018 6:43 pm
Get 3 quotes. There's another thread about taxes in FL being low. I guess cities don't maintain sidewalks in Florida.
Apparently OP has already tried to do this. Please suggest ways of getting 3 quotes when contractors don't bother to bid.
by adamthesmythe
Mon Aug 13, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7307

Re: Retire in Florida or Alabama?

Well it only matters what they think...but...

I would pay good money to not live in either Florida or Alabama.

I do consider Florida more civilized.
by adamthesmythe
Mon Aug 13, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2360

Re: What's the reason you would buy reading glasses at...

You get glasses because you need them. You should be aware that there are vision problems that are NOT correctable with glasses. Your brain does a good job of working around vision defects so you may not be aware of serious vision defects until it is rather late in the game. All of us, especially th...
by adamthesmythe
Mon Aug 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: SD Cards for Cameras: How many MB/S?
Replies: 8
Views: 486

Re: SD Cards for Cameras: How many MB/S?

You need a fast card for (1) high-res video (2) burst shooting and (3) faster downloads.

So what's the camera and what do you do with it?
by adamthesmythe
Mon Aug 13, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2461

Re: Using Uber Without A Cellular Data Connection

If the ONLY reason for getting a SIM card is to use Uber, then I would just use a regular cab.

Or take the extremely efficient train to downtown, and then get a cab.

Cabs in Holland are very different from the US. The cabs are new, clean, drivers are well dressed, and speak excellent English.
by adamthesmythe
Sat Aug 11, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: RDFN and housing market slow down...
Replies: 11
Views: 1373

Re: RDFN and housing market slow down...

Thanks to jminv for a careful analysis. There seem to be two reasons people want to invest in this particular company. One is a belief that the RE market is ripe for disruption. This may be so, but doesn't mean that this particular company is a buy. In common with all internet startups they value ma...
by adamthesmythe
Fri Aug 10, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1579

Re: Rental Property with Sibling Questions

It's unwise to own and jointly manage a property. It's hard to believe that there is much inconvenience associated with selling a property that is not occupied. No, you don't have to do a makeover to get a better price than the low-ball price offered by a flipper. Besides, renting a property will re...
by adamthesmythe
Fri Aug 10, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1036

Re: Rental Property as an Investment?

Even the listing has multiple red flags > earning potential to bring in north of $5,000 a month Is it earning anything now? > Some owner financing may be available Definitely means that this property is hard to sell. > Property recently cleaned out Maybe totally vacant? > a brand new 9 meter electri...
by adamthesmythe
Fri Aug 10, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3305

Re: 1024.99 for a book. Why?

That is certainly a possible price for a first edition.

It is also possible for a rare, out of print but still useful book to be listed for this kind of price.
by adamthesmythe
Thu Aug 09, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quit Claim on inherited house?
Replies: 16
Views: 1577

Re: Quit Claim on inherited house?

Seems to me it is not necessary to accept a bequest. So if you don't accept it...then you never owned it...and if you never owned it...it cannot be a gift from you to someone else.
by adamthesmythe
Thu Aug 09, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2325

Re: "Why are you leaving your current job?"

I'm not going to the looking for any jobs anymore...but... SOME of the questions you get asked are asked because...the interviewer doesn't really know what to ask...and these are the kinds of generic questions that fill the time. Maybe only a very few questions...from maybe one of the people you see...
by adamthesmythe
Thu Aug 09, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2246

Re: Grind and Brew Coffee Makers - worth it?

I had a Cuisinart, and hated it. The grind was so coarse coffee was weak unless an absurd amount of coffee was used.

I hated it so much I put it in the basement and bought a Mr. Coffee. I gave away the Cuisinart when I moved.
by adamthesmythe
Thu Aug 09, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2085

Re: Do Airlines measure checked baggages?

This comes down to "do you feel lucky." I would observe that it's a lot easier to make a bag lighter than to make a bag smaller. If I do go to the airport with an outside-regulation bag, I like to have a backup plan. > Any idea if a backpack is OK as a personal item? I think a "personal item" is som...
by adamthesmythe
Thu Aug 09, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 875

Re: Cell phone battery pack, cancer warning?

The California cancer warning rules are exceedingly broad and, in my opinion, do not offer any useful information to the consumer.

Having said that, do not attempt to blend your battery.

(https://www.youtube.com/watch?v=lBUJcD6Ws6s)
by adamthesmythe
Tue Aug 07, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting through Renting?
Replies: 11
Views: 1090

Re: Gifting through Renting?

My eldest brother is planning on paying for his kid's housing by putting himself on the lease (just him, not his kid), and paying the $2600 a month in rent (yeah, that's the San Francisco Bay Area) to avoid having to file a gift tax return, since he doesn't want to lose any of his lifetime exemptio...
by adamthesmythe
Thu Aug 02, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 2743

Re: Car price ratio to NW

Wrong question. First question is what do you need. Then think about affordability. Affordability has a lot more to do with cash flow than net worth.
by adamthesmythe
Thu Aug 02, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 88
Views: 8412

Re: NYU retirement lawsuit

The article does not state what funds were in the plan, but the court docket shows NYU used 25 TIAA-CREF options and 78 Vanguard options. I surmise the main complaint was that NYU because of the size of the 403(b) assets did not negotiate ever lower fees. A secondary complaint was the "dizzying arr...
by adamthesmythe
Thu Aug 02, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2002

Re: Hiking vacation in November - any recomendations?

Any of the national parks in southern Utah will be good choices. This should be an excellent time to visit because of less crowding and more moderate temperatures. For warmer you have Sedona (generally shorter hikes) and the Tucson area. Most places I have hiked- your own mistakes would be the bigge...
by adamthesmythe
Tue Jul 31, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1889

Re: Am I being ripped off by my dentist and/or insurance company?

Your dentist should probably have discussed the relative cost of gold vs. porcelain crowns. Other than that...you got a premium crown, and you were billed for a premium crown. Insurance paid their contracted share. What's the problem?
by adamthesmythe
Mon Jul 30, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5814

Re: Financial upside / downside of marriage vs cohabiting

Just because you aren't married doesn't mean it won't cost you if you break up.

Been there, done that, have the T shirt.
by adamthesmythe
Mon Jul 30, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 10
Views: 876

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

You can call around all you want, but you had better have at least one completed application done before 7 days are up.

Do you lose the security deposit if you don't complete an application? Or do you just lose the house?

I only ever applied for a mortgage at one bank at a time.
by adamthesmythe
Mon Jul 30, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Inflation indexing of capital gains
Replies: 7
Views: 717

Re: Inflation indexing of capital gains

Welcome! This is a strict "no politics" forum. Discussions of proposed changes to existing legislation are off-topic. Here's why: Political comments and proposed tax plan remain off-topic The main point is that you should invest according to current law. When the law changes, adjust your approach a...
by adamthesmythe
Mon Jul 30, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: To buy a home, or not to buy; the eternal question!
Replies: 12
Views: 972

Re: To buy a home, or not to buy; the eternal question!

If you buy a house in a reasonably desirable location near where you work, it will very likely increase in value. Recently close to or in the city houses have done very well. AND you get to live in it. If you buy land, you want to be sure it is economically buildable- and that it will be so some yea...
by adamthesmythe
Mon Jul 30, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new houses
Replies: 5
Views: 578

Re: Buying new houses

Look at both then make up your mind. Existing houses have elements with wear on them. So replacement can be sooner than for new. Upgrades do not add as much as they cost to the sale price of an existing house. You may get (slightly used) upgrades you want at a bargain price. Unless a spec house, you...
by adamthesmythe
Sun Jul 29, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Buying a senior apartment with lots of unwanted upgrades
Replies: 15
Views: 1679

Re: Buying a senior apartment with lots of unwanted upgrades

If you are going to buy property you can't be afraid to waste time or be insulting. Offer what you are willing to spend or move on to the next option. Agents are obliged to present any offer to their clients unless they have specific directions. Only a written offer is a real offer. Unfamiliar buyer...
by adamthesmythe
Sat Jul 28, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2997

Re: LTC strategy: make health your hobby

Walk every day. Do more if at all possible.

Hate to say it, but I assume no intelligent person smokes. Other than that, moderation in all things, unless your particular medical conditions require abstinence.
by adamthesmythe
Sat Jul 28, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3307

Re: Should I retire early?

Since you are not working now, one of the questions is whether you CAN work (and whether you can find a job).

If I remember right, when on disability you do not have to accept absolutely anything.
by adamthesmythe
Sat Jul 28, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Expenses
Replies: 30
Views: 2057

Re: Assisted Living Expenses

Had a relative in a facility not so long ago. Cost was about half that for a fairly decent facility. Cost depends on where you are. When in a facility many other living expenses go away. And (with some exceptions) often the stay is not very long. Probably many people on this board have enough to cov...
by adamthesmythe
Wed Jul 25, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1630

Re: How early to get to an airport (JFK specifically) for domestic flight

Leave home at departure time - 45 min - (avg travel time to airport)+n*(standard deviation) - (avg security wait time)+n*(standard deviation) n > 0 is a number chosen according to your tolerance for drama. If you feel lucky use n < 0. your formula is interesting. mine would be slightly different: d...
by adamthesmythe
Wed Jul 25, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Personal Alarm (130 decibels)
Replies: 8
Views: 738

Re: Personal Alarm (130 decibels)

I would consider bear spray instead.

In cities most people react to loud alarms by closing the window and hoping that it stops soon.
by adamthesmythe
Wed Jul 25, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 1964

Re: your advice on new oven

The best is an electric convection oven and gas burners, known as a dual-fuel range. Yes, convection is very much worth it. Electric ovens are supposed to have better temperature control. I recently bought one. I found that the choice of dual-fuel ranges was pretty small, to the point where I had on...
by adamthesmythe
Wed Jul 25, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1630

Re: How early to get to an airport (JFK specifically) for domestic flight

Leave home at

departure time - 45 min - (avg travel time to airport)+n*(standard deviation) - (avg security wait time)+n*(standard deviation)

n > 0 is a number chosen according to your tolerance for drama. If you feel lucky use n < 0.