Search found 367 matches

by Calico
Fri Sep 20, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

I am really not sure if this is the right place to put this but if you think of colleges as selling and education, I suppose this works. On another forum I belong to I mentioned something about trying to help my daughter be more realistic about grades and help her deal with the stress. She's stress...
by Calico
Fri Sep 20, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

Just wanted to say thanks for the perspective. I have enough to worry about as it is. I thought I was taking crazy pills reading that other forum. It wasn't much help. I guess it's just the demographics. HeretoLearn hit it on the head earlier in this thread when saying, "the average person posting i...
by Calico
Fri Sep 20, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

[...]As far as not going to college, I'd be okay with that. I don't think she'd be okay with that though because everything she wants to do requires a degree. Personally, I would like her to go to college locally so she can live at home and we can save some money (the room and board end of things l...
by Calico
Fri Sep 20, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

OP, it sounds like you worry more about how you are gonna viewed by other people if your daughter doesn't do well, doesnt get all straight As, doesn't go to college. You are putting alot of unnecessary burden on your kid. Support you daughter whatever she decides to do. What if she decided not to g...
by Calico
Fri Sep 20, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

delete (double post)
by Calico
Fri Sep 20, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

To answer some other questions (not going to quote everyone). She wants to major in applied math with a goal of being a financial analysis, data scientist, or actuary. 80% acceptance rate schools that she's looking at are George Mason and Virginia Tech (although I've also seen 70% acceptance for the...
by Calico
Fri Sep 20, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

I am not worried about test scores. She took the PSAT and did well enough for aid if she was a junior (but it doesn't count because she did that as a freshman). I think her grades are great (even if she doesn't or others say anything less than all A's is substandard). Like I said, she pretty much h...
by Calico
Fri Sep 20, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

Thanks all. Just to clarify, I am not worried about her getting into college, she's the one who's worried. When I posted to another forum for advice on how to help her manage this stress, I was told I was the one who was wrong and I should be worried too. So I wanted some second opinions on that. I ...
by Calico
Fri Sep 20, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

Re: How hard is it to get into college?

She hasn't done much for numbers 3 or 4 Klang. Currently, no one will even hire her for an after school job and she's even limited on volunteering due to her age. But things should open up more for her when she turns 16 and can drive. I never thought of an internship in high school. I always associa...
by Calico
Fri Sep 20, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 98
Views: 4244

How hard is it to get into college?

I am really not sure if this is the right place to put this but if you think of colleges as selling and education, I suppose this works. On another forum I belong to I mentioned something about trying to help my daughter be more realistic about grades and help her deal with the stress. She's stresse...
by Calico
Wed Aug 21, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Selling fruits & vegetables from backyard garden at local farmer's markets?
Replies: 13
Views: 1270

Re: Selling fruits & vegetables from backyard garden at local farmer's markets?

I think it might depend on your locality. For the one I go to, for example, you have to apply and pay a type or rental fee to be in the farmers market (and you can get kicked out if they find out you are reselling anything). But there are other markets in my area that seem more flexible (but I don't...
by Calico
Mon Aug 19, 2019 10:03 am
Forum: Personal Investments
Topic: Saving for a new car
Replies: 14
Views: 1215

Re: Saving for a new car

I buck the conventional wisdom here and invest in something aggressive -- that's because what's the downside risk for a car fund? Wait until recovery to buy a car, buy a cheaper car, or just borrow on a cheap loan and wait for the fund to come back. This poster does have a point. Especially with in...
by Calico
Mon Aug 19, 2019 10:01 am
Forum: Personal Investments
Topic: Saving for a new car
Replies: 14
Views: 1215

Re: Saving for a new car

I tend to be a bit conservative. I have my "replacement car" money in an online money market account. Mainly because I figure my current car could just die any day and I don't want that "any day" to be like last Wednesday.
by Calico
Mon Aug 19, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18188

Re: Selective Colleges

I am very concerned with affording college and I am shocked by some of the standards to get into some schools. For example, the average GPA at our main State University is a 4.23. How does that even happen? Luckily, my daughter is taking AP classes (which are weighted) so it's achievable for her, b...
by Calico
Mon Aug 19, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4685

Re: How to define "HCOL" (high cost of living) areas?

The Virginia side of the DC area has many fine and very affordable state schools. That's where we are. George Mason is a strong option for her (especially if she sticks with the idea of being a finance major). But she's also considering other majors and other schools. What kills me is the average G...
by Calico
Mon Aug 19, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4685

Re: How to define "HCOL" (high cost of living) areas?

I have to agree with you. I live in the DC area and am a single parent with a lower than average salary for the area (traded "family friendly" for less money because one needs family friendly as a single parent). I make 85k a year. I am getting by just fine. Granted, I am not driving a newly leased...
by Calico
Mon Aug 19, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18188

Re: Selective Colleges

Bravo to you if you've read this all the way through, or even mostly. I could have gone into more depth on some of this stuff (heh). I could provide links/references to backup sources on at least some of it. I hope to provoke some discussion. Thanks for reading. Thank you for posting all this. I re...
by Calico
Mon Aug 19, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4685

Re: How to define "HCOL" (high cost of living) areas?

According to the cite provided by H-Town, here are the top 20 cost of living areas in the U.S.... 1. Palo Alto, California 2. Mountain View, California 3. New York City, New York 4. San Francisco, California 5. Honolulu, Hawaii 6. Oakland, California 7. San Jose, California 8. Boston, Massachusetts...
by Calico
Fri Aug 16, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3300

Re: Buying an older used car - any new/different ideas?

Maybe look for a Pontiac Vibe, last made in 2010. It is from the joint venture GM/Toyota plant and is really a Toyota mechanically. The marque may be tainted by GM's reputation and Pontiac's demise. My 15-year-old car that has never let me down that I talk about here is a Pontiac Vibe. It's reliabl...
by Calico
Fri Aug 16, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4391

Re: Kindergarten lunches

Even when my daughter was that young she wouldn't eat meat (which left out most sandwiches), Copied from my post in another thread. I don't know why omnivores think not eating meat reduces them to almost no options: Sandwich of cheese (2-3 types), tomato, lettuce, mayo, mustard. As above, but slice...
by Calico
Fri Aug 16, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4391

Re: Kindergarten lunches

Even when my daughter was that young she wouldn't eat meat (which left out most sandwiches), she hated and still does hate the cafeteria food, and nuts weren't allowed so I came up with creative lunches. A favorite was "pasta salad" that I made with whole wheat pasta, cut cherry tomatoes, celery and...
by Calico
Thu Aug 15, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17596

Re: Are you a "solo ager?"

Not solo now, but who knows the future. In my observation of "solo agers", women seem to do better than men, on average. I think my wife would do better than I would. However, there are other differences in the average situation of such men and women in the "solo agers" situations. We only have one...
by Calico
Thu Aug 15, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7991

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I am embarrassed to say the ice cream I buy is $12 a quart. It's one of my indulgences. I get it from a local creamery farm (they make it there). This stuff is so rich and full of butter fat that after you eat it, if you let the dish sit out, the melted leftover stuff separates. The nice thing about...
by Calico
Thu Aug 15, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4476

Re: Brown Bag Lunch Ideas

I brown bag lunch every day (and I almost never have leftovers from the previous night, and when I do, it's for a meal another night). Anyway, I pack a lot of chicken salad too, but I make my own most of the time. There is a lot of fat in mayo, but I use the bare minimum to make it stick together. I...
by Calico
Thu Aug 15, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

Calico, the world's worst market timer... Fixed that for you... :) :beer Cheers, packet Cool article thanks for sharing. I am not as bad as Bob but like Bob I don't sell and am a diligent saver. Unlike Bob, aside from this yearly sum I get from the annuity, I dollar cost average/invest every month....
by Calico
Wed Aug 14, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

OP please update us on how the meeting went :happy The meeting never happened. I decided to go to each member of the team individually and explained the 100% savings based on their math. They all had an "ah ha" moment and got it then. I didn't get a chance to talk to one person though, so I don't t...
by Calico
Wed Aug 14, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

I am just here to apologize, the free fall is all my fault today (or at least it feels like I am cursed that way). I just moved 10% from an annuity (pre Boglehead investment). I was temped to buy into my Total Stock Market fund, but my asset allocation said that I needed to buy bonds with that mone...
by Calico
Wed Aug 14, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

I am just here to apologize, the free fall is all my fault today (or at least it feels like I am cursed that way). I just moved 10% from an annuity (pre Boglehead investment). I was temped to buy into my Total Stock Market fund, but my asset allocation said that I needed to buy bonds with that mone...
by Calico
Wed Aug 14, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12071
Views: 2055540

Re: U.S. stocks in free fall

I am just here to apologize, the free fall is all my fault today (or at least it feels like I am cursed that way). I just moved 10% from an annuity (pre Boglehead investment). I was temped to buy into my Total Stock Market fund, but my asset allocation said that I needed to buy bonds with that money...
by Calico
Wed Aug 14, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

To answer someone's question, we aren't a fortune 500 or publicly traded. We are actually a local trade association/non profit. We don't have an accounting department, although there is an accountant on staff. Unfortunately, he's on vacation this week. I am sure once I point out the hypothetical 100...
by Calico
Tue Aug 13, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

Imagine the sale price was $100 instead of $160; you wouldn’t advertise it as 100% savings just because the original price is 100% more than the sale price of $100 I think above is the best explanation for the math challenged folks. Let them chew on that example. I am going to use Muffins14 hypothe...
by Calico
Tue Aug 13, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

i agree. Advertise it as "save $40...", instead of using the percentage. And it is only a 20% savings: $200-$160=$40. $40/$200= 20% Maybe marketing will see that as a good suggestion. Since 40 is a bigger number than 25 it should be more attractive and some people will even confuse that with 40% of...
by Calico
Tue Aug 13, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

I know this is going to sound harsh but it's shocking to me that people who are in charge of these types of promotions can't do basic 4th grade math. $160 is 20% less than $200. It is a 20% discount. However, if you want to make the marketing geniuses' heads explode, tell them they are free to adve...
by Calico
Tue Aug 13, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Re: Is this 25% savings?

Thanks for the answer. For a while there, I thought I was taking crazy pills at work today. Those of us saying it's not a 25% savings but only a 20% are 1) in the minority and 2) not the people who are making this decision. The only reason it came up and I got in the mix was because our IT guy (who ...
by Calico
Tue Aug 13, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4983

Is this 25% savings?

So we have an interesting math question at work. I hope it's okay to post it here since it's not really personal to me, but it is for consumers and the idea is to be fair to them. And people here are good with money and numbers, so it seems like the best place to ask. We are offering a workshop that...
by Calico
Fri Aug 02, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Older used car with low miles or newer used car with higher miles
Replies: 37
Views: 2285

Re: Older used car with low miles or newer used car with higher miles

The reason the Mazda 3 is my favorite is the model I am looking at (2014-2018) is highly related by Consumer Reports and reliable. Plus they don't have CVT engines (I am not fond of CVT). I am not as familiar with the other cars models on my radar, but I try to keep an eye on them every now and then...
by Calico
Fri Aug 02, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Older used car with low miles or newer used car with higher miles
Replies: 37
Views: 2285

Older used car with low miles or newer used car with higher miles

I am still keeping my eye on the used car market. Family and friends laugh at me because I've been doing this for two years now, but my 15-year-old car is still running fine so I don't need or want a replacement yet. I just want to be prepared when it's time so I stay on top of things. Because it's ...
by Calico
Thu Aug 01, 2019 9:19 am
Forum: Personal Investments
Topic: Divorce- Help with Present Value Pension Calculation
Replies: 20
Views: 2137

Re: Divorce- Help with Present Value Pension Calculation

You could always do what I did when my husband divorced me (we mediated too). I told him he could figure it out or we could each just take our own retirements and leave it at that. He opted for the latter because it was easier to figure out (nothing to figure out). I am serious too, would your soon ...
by Calico
Tue Jul 30, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5124

Re: Capital One data breach

Another day, another breach, and another offer of free credit monitoring. Soon we shall all have stacked credit monitoring services (I've already had it in the past). I love free stuff, even if I got it because something of mine was stolen. See, the real problem is that CapitalOne isn't using AI. H...
by Calico
Wed Jul 17, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2442

Re: replacing mulch bed recommendations

If you decide to just stick with the mulch, my recommendation is to do what I do. I sprinkle Preen on my mulch beds. It's not perfect, but it keeps the weeds down to a very reasonable level (usually I pull a weed or two a week when I walk by since my mulch/flower beds are on the way to the mail box)...
by Calico
Mon Jul 08, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 2680

Re: Divorce and pension/401k/IRA split

I am not a lawyer, but having gone through a similar situation.. Everything is negotiable and probably won't require a lawyer if you can be amicable about the split. My ex and I wrote up an agreement where each retained their own personal retirement accounts, they were essentially outside of the di...
by Calico
Mon Jul 08, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 28770

Re: Americans believe they need $1.7 million, on average, to retire

Do averages like this really help anyone? Everyone will have a different number because we all live in different areas and have different ideas of "comfortable." I did some math. I currently spend about $64k a year (including everything). Take away my mortgage and that goes down to $42k a year (and ...
by Calico
Wed Jun 26, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 3771

Re: Equifax: can’t log in

I ran into this too a few weeks ago when I unfroze my credit so I could open a low balance card with my teen daughter as an authorized user (I wanted her to have an emergency credit card for an overseas trip she's taking next year but I didn't want her on my card with the $10k limit). Anyway, Equifa...
by Calico
Tue Jun 25, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3549

Re: Facebook reading our minds?

I've always wondered about Facebook's algorithm. It doesn't really seem to know what I like, but it tries to guess. I think maybe it uses other data on your phone to figure some things out. Perhaps a combination of web searches, other apps, and maybe even texts. For example, I am always getting ads ...
by Calico
Fri Jun 14, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1395

Re: Best prepaid debit card for a teen

Thank you for all the replies and great ideas! I kind of latched on to a suggestion early on and went to a local credit union (for the school district) that allows all kinds of "student" accounts for students in the school district too. We got a student checking account for my daughter (it kind of s...
by Calico
Thu Jun 13, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1395

Re: Best prepaid debit card for a teen

I found it best to have my kids open accounts in the same bank as myself (jointly with myself if under adult age). Transfers from myself to them is instant and cost free. Normally a debit card on a child's account (or student's account) should cost nil. Talk to your local branch. Major headache wit...
by Calico
Wed Jun 12, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1395

Best prepaid debit card for a teen

I am looking to get my 15 year old daughter a prepaid debit card. In a year, she will be going to Europe for three weeks as part of a high school honor band and from what they said at the informational meeting, it would be very useful to have (in addition to some euros) so she could access money whi...
by Calico
Thu May 30, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 23
Views: 2134

Re: Changing from owning to renting a home for retirement

Thanks for all the advice (and links). I especially liked the link to Firechief's thread. A little update. I talked to mom and if I move in with her eventually, I will rent from her. Not buy her house. A lot of you here brought up some very good points. If she needs care, I will do some of it, but s...
by Calico
Thu May 23, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 23
Views: 2134

Re: Changing from owning to renting a home for retirement

I am not retired yet but after owning for 20 years I am now renting. I am in a very similar situation to you. I got divorced several years ago. When I moved out of family home I decided to rent even though I could have easily bought largely because once my son graduates from high school I will like...
by Calico
Thu May 23, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 23
Views: 2134

Re: Changing from owning to renting a home for retirement

I am all for owning a home to build equity but I think renting could be a advantageous in your particular situation. As you're aware, owning a home cost a lot of money AND time. In addition you have to worry about when the big ticket items like roof, water heater, furnace, AC, exterior paint, water...