Search found 370 matches

by danwalk
Mon Feb 25, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Switching schools for part of the year - bad idea?
Replies: 22
Views: 1382

Re: Switching schools for part of the year - bad idea?

School administrator / teacher here, and I am also a parent. This is indeed a terrible idea for all the reasons mentioned above. Please do not do this. You would make it very, very difficult on your children, and schools would not be very open to this idea either.
by danwalk
Wed Nov 25, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 21230

Re: Push child to avoid expensive college?

Actually, it certainly is for people to judge - for themselves. Especially middle class people who can't really afford it. Education should definitely be about more than ROI. Among other things, it should also be about whether it can be afforded. However, I totally reject the idea that the Ivy/othe...
by danwalk
Wed Nov 25, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 21230

Re: Push child to avoid expensive college?

I guess beauty is in the eye of the beholder, these just don't seem very compelling or unique. I went to extremely expensive schools and I can safely say that if I had to pay for them myself (or if my parent's had to have paid for them), I would have gone somewhere else. Yes. I will not be too spec...
by danwalk
Wed Nov 25, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 21230

Re: Push child to avoid expensive college?

Another over-educated Ivy Leaguer here who also happens to be a teacher. I will also start by saying that universities like Tulane / U of Florida are different than universities like Harvard, Stanford, MIT, etc., so feel free to read on keeping that in mind. I have been teaching in some capacity or...
by danwalk
Wed Nov 25, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 21230

Re: Push child to avoid expensive college?

... This is certainly not to say that I couldn't have had a very good education at another institution, but many of the resources available to me--and I took advantage of many of them--simply could not be found at other places. ... Can you give some examples of these resources? Yes. I will not be t...
by danwalk
Wed Nov 25, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 21230

Re: Push child to avoid expensive college?

Another over-educated Ivy Leaguer here who also happens to be a teacher. I will also start by saying that universities like Tulane / U of Florida are different than universities like Harvard, Stanford, MIT, etc., so feel free to read on keeping that in mind. I have been teaching in some capacity or ...
by danwalk
Thu Mar 12, 2015 9:29 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 5041

Re: An arm and a leg ... for a middle finger?

If there is indeed a coding error, your doctor's office should fix it without complaint. I guess I fail to see any other issue here. I am a middle-age man who also has a High Deductible Health Plan. Before choosing said plan, I was warned by my now retired parents that it was silly to have such a pl...
by danwalk
Sun Oct 23, 2011 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend is an heiress, who should pay?
Replies: 197
Views: 18505

Re: Girlfriend is an heiress, who should pay?

Then we all agree he should pay for his expenses without resentment at his gf for not choosing to subsidize him, even if she happens to be an heiress. It seems you have had personal experience(s) where this subject is affecting you at a deep level. For that I am sorry. However, taking on the role o...
by danwalk
Sat Jul 30, 2011 8:05 am
Forum: Personal Investments
Topic: To sell or not to sell...
Replies: 20
Views: 4018

It's an old thread, but sometimes it's fun to see how things turn out. :twisted: Bless you, livesoft. It was hilarious to find a message in my inbox saying that someone had posted in this thread three years on. In an effort to simplify my finances, I ended up selling the shares towards the end of M...
by danwalk
Sun Jul 24, 2011 7:34 am
Forum: Personal Consumer Issues
Topic: Refrigerate Olive Oil?
Replies: 44
Views: 5787

Re: Refrigerate Olive Oil?

Do I need to refrigerate Olive Oil once I open the bottle? I dunno, what does google say? This sort of reply is neither necessary nor helpful. It is very snarky , though. Put me in the never refrigerate olive oil camp. We purchase olive oil in somewhat large quantities and have never had a problem ...
by danwalk
Fri Jul 22, 2011 7:45 am
Forum: Personal Consumer Issues
Topic: Frequent Flyer Mistake
Replies: 11
Views: 2069

You might also talk to AmEx Membership Rewards directly. Their customer service tends to be rather good and you just may have some luck in moving the miles back from Air France if you need to. Just an idea...
by danwalk
Fri Jul 22, 2011 7:21 am
Forum: Personal Consumer Issues
Topic: Refrigerate Olive Oil?
Replies: 44
Views: 5787

Re: Refrigerate Olive Oil?

Do I need to refrigerate Olive Oil once I open the bottle? I dunno, what does google say? This sort of reply is neither necessary nor helpful. It is very snarky , though. Put me in the never refrigerate olive oil camp. We purchase olive oil in somewhat large quantities and have never had a problem ...
by danwalk
Tue Jul 12, 2011 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 21071

I was able to attend a top-tier university due to an incredibly generous financial aid package consisting of various kinds of grants and loans. There were far more grants than loans and my parents graciously paid the tuition not covered by financial aid. Each and every year I donate money and specif...
by danwalk
Mon Jul 11, 2011 12:56 pm
Forum: Personal Consumer Issues
Topic: Luggage for Int'l Travel?
Replies: 23
Views: 4022

In terms of Eagle Creek, here is the big Tarmac. I have a prior version of it. Click on the "multiple views" link here for more pictures. The Tarmac line, at least, really is not very similar to any kind of duffle bag I have seen and performs like very good wheeled luggage. Because these suitcases ...
by danwalk
Mon Jul 11, 2011 11:32 am
Forum: Personal Consumer Issues
Topic: Luggage for Int'l Travel?
Replies: 23
Views: 4022

In terms of Eagle Creek, here is the big Tarmac. I have a prior version of it. Click on the "multiple views" link here for more pictures. The Tarmac line, at least, really is not very similar to any kind of duffle bag I have seen and performs like very good wheeled luggage. Because these suitcases a...
by danwalk
Sun Jul 10, 2011 2:30 pm
Forum: Personal Consumer Issues
Topic: Luggage for Int'l Travel?
Replies: 23
Views: 4022

Yet another vote for Eagle Creek (Tarmac series). I have had a large Tarmac 28 for at least seven years and done extensive domestic and international travel with it. Although it is pricey, the Tarmac line--and a couple of other lines--has an outstanding "No Matter What" warranty that I just took adv...
by danwalk
Wed Jul 06, 2011 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Book on handling the E-mail deluge at work
Replies: 12
Views: 1867

"The Inbox Makeover" by Merlin Mann remains one of my favorite articles on dealing with email. The ideas Mann proposes are largely based on David Allen's Getting Things Done.
by danwalk
Wed Jul 06, 2011 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Landlording dilema
Replies: 20
Views: 3164

Two weeks is an unacceptable amount of time to make repairs. My wife and I are moving soon and, because of the kind of situation you describe, we elected to sign a lease in a larger managed complex and not in an apartment/condo owned by a landlord with only one or two small properties. The managed p...
by danwalk
Sun Jul 03, 2011 10:52 am
Forum: Investing - Theory, News & General
Topic: CREF Stock Benchmark Update
Replies: 11
Views: 2156

According to a Fund Fact sheet that I have archived on my computer, CREF Stock had 26% international stocks in the first quarter of 2008. The fund remains a good all-in-one choice for equity investments for many who use TIAA-CREF.
by danwalk
Tue Jun 28, 2011 7:12 pm
Forum: Personal Consumer Issues
Topic: Is anyone an economics professor/teacher in this forum?
Replies: 83
Views: 6966

I hope this doesn't come across as too harsh but here goes. I teach something other than economics at the college level. Without hesitation I can say that if you were in my class and I found out you had received outside help like this on a graded assignment (and it does seem like a graded assignment...
by danwalk
Sun Jun 26, 2011 11:20 am
Forum: Investing - Theory, News & General
Topic: Suze Orman saying something goofy yet again
Replies: 33
Views: 5560

May be I am being a little too rough on her, after all she is far wealthier than me :) I think you are being a bit too rough. Keep in mind that the average Boglehead is not like the average person in terms of financial literacy. While Orman may not be dispensing valuable investment advice, the fisc...
by danwalk
Sun Jun 26, 2011 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market exposed to European debt
Replies: 35
Views: 5632

Yet another reason--as if the meager .05% yield weren't reason enough--to not have money in money markets right now.
by danwalk
Sat Jun 25, 2011 4:21 pm
Forum: Personal Investments
Topic: need new credit card
Replies: 37
Views: 97429

Yeah, of course I did searches. One way of cutting down on the noise is to ask people what they use and like. Just asking if anyone was using a card they like with good gas rewards. I was legitimately trying to be helpful here. Google Advisor worked well as a noise reducer when I recently went hunt...
by danwalk
Sat Jun 25, 2011 1:53 pm
Forum: Personal Investments
Topic: need new credit card
Replies: 37
Views: 97429

Google Advisor is a great place to go for these kinds of questions. You can do searches and comparisons of credit cards, mortgages, checking/savings accounts, and CDs.
by danwalk
Sat Jun 25, 2011 7:33 am
Forum: Personal Investments
Topic: Retirement cmte 401k plan-Which index funds to include?
Replies: 23
Views: 8208

Perhaps you could add a TIPS fund such as Vanguard's Inflation-Protected Securities Fund. I would think that would complement Total Bond Index quite well.
by danwalk
Sat Jun 25, 2011 7:17 am
Forum: Personal Consumer Issues
Topic: Conventional wisdom and the rise in (some) used car prices
Replies: 11
Views: 1274

Conventional wisdom and the rise in (some) used car prices

And here I was, convinced that buying a used car was always smarter than buying a new one. Check out this article , from the NY Times . An excerpt: The rule of thumb says that a car loses at least 10 percent of its value the moment it leaves the dealership. But soaring used-car values are turning th...
by danwalk
Thu Jun 23, 2011 1:18 pm
Forum: Personal Consumer Issues
Topic: Trip to Spain
Replies: 37
Views: 3812

That being said, as a general rule I feel MUCH safer traveling in Spain than I do driving through some areas of the major Midwestern city that we now live in. Do you normally wander, distracted, probably lost, looking like a tourist, not speaking the language, with an expensive camera exposed and p...
by danwalk
Thu Jun 23, 2011 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Renter's insurance -- can't read the policy without buying?
Replies: 16
Views: 2769

I have renter's insurance through GEICO, although I believe they use Travelers for the policy itself. It is reasonably priced and I experienced none of the manipulation that you speak of when I called. I believe my conversation with them lasted approximately 10-15 minutes. Nobody asked me about neig...
by danwalk
Wed Jun 22, 2011 4:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 14195

The United Kennel Club uses the name " American Pit Bull Terrier " to refer to the breed and it was recognized in 1978, right at the beginning of the word frequency spike in the corpus. I see that the APBT was recognized in 1898. "The United Kennel Club was the first registry to recognize the Ameri...
by danwalk
Wed Jun 22, 2011 4:33 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 14195

danwalk, I wouldn't in fact encourage the OP to get a pit bull. My response to the argument that the term "pit bull" came out of obscurity to become a common term in the 1980's is this: if a certain breed of dog that has existed since the late 19th century had human-aggressive characteristics, woul...
by danwalk
Wed Jun 22, 2011 4:02 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 14195

Here's the chart for "pit bull attack". http://ngrams.googlelabs.com/graph?content=pit+bull+attack&year_start=1800&year_end=2000&corpus=0&smoothing=3 Here's a chart mapping the two phrases: "dog attack" and "pit bull attack" http://ngrams.googlelabs.com/graph?content=dog+attack%2Cpit+bull+attack&ye...
by danwalk
Wed Jun 22, 2011 12:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 14195

These dogs are terrifying to a lot of people. It's unbelievably selfish for owners of these dogs to expose other people to these dogs. Many people have prejudices against many types of animals and people. That's probably what they said about that chimpanzee in Connecticut - when it seemed all nice ...
by danwalk
Wed Jun 22, 2011 8:15 am
Forum: Personal Consumer Issues
Topic: Trip to Spain
Replies: 37
Views: 3812

Yes, Spain is great (I used to live there), but beware petty theft. Leave the expensive cameras and laptops at home, don't carry a lot of cash, don't take anything you wouldn't mind losing, etc. If you leave anything of value in your hotel room (or on your restaurant table and not secured to your b...
by danwalk
Wed Jun 22, 2011 7:54 am
Forum: Personal Consumer Issues
Topic: Trip to Spain
Replies: 37
Views: 3812

I still think this is way too much. Maybe if you were flying into Madrid and out of Barcelona but the fact you have only one night in BCN and then still have to get back to MAD sounds like a nightmare to me. You're not going to have time to see anything. My vote continues to be: focus on Madrid and...
by danwalk
Tue Jun 21, 2011 8:43 pm
Forum: Personal Investments
Topic: I may be in over my head [options & taxes]
Replies: 28
Views: 3667

I think the fact that I do not understand one thing in the original post means that I am a true Boglehead.

Good luck sorting this out.
by danwalk
Mon Jun 20, 2011 3:08 pm
Forum: Personal Consumer Issues
Topic: Web browser
Replies: 40
Views: 3697

+2 (for Chrome)

Automatic updates, clean interface, lightning fast.
by danwalk
Tue Jun 14, 2011 8:45 am
Forum: Personal Consumer Issues
Topic: Shopping for watches
Replies: 104
Views: 11586

Re: Shopping for watches

pigvomit wrote:Hi all,

I am in the market for a fairly nice watch. Budget is around $3,000.

Any suggestions?

Thanks!
Not at that piddly budget. But if you go up to $5000, you need to look at this thread from 2008. :wink:
by danwalk
Mon Jun 13, 2011 9:17 pm
Forum: Personal Investments
Topic: New Thread: Givewell Attempts to Seek Financial Advice
Replies: 87
Views: 11123

Givewell,

Here is TIAA-CREF's explanation of Transfer Payout Annuities in PDF form.

Hope it helps.

Dan
by danwalk
Mon Jun 13, 2011 9:01 pm
Forum: Personal Investments
Topic: New Thread: Givewell Attempts to Seek Financial Advice
Replies: 87
Views: 11123

Uninvested, the OP has no need to justify his pay to you or anyone else here. He has asked legitimate questions and does not deserve your two separate potshots in this thread.

(And no, professors are not usually paid by university presses when they publish books.)
by danwalk
Sat May 21, 2011 10:05 am
Forum: Personal Investments
Topic: Redefining our asset allocation - TIAA CREF considerations
Replies: 46
Views: 6955

I don't know enough about CREF stock, but generally better to wait (because the fund might incurr capital gains and transactions costs in reallocation). The problems with active funds are: - higher fees - the risk that you are in the dud fund, that will underperform perhaps by many per cent pa: you...
by danwalk
Fri May 20, 2011 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Google Advisor (for CDs, CCs, etc.)- Anybody try it out yet?
Replies: 5
Views: 2640

Google Advisor (for CDs, CCs, etc.)- Anybody try it out yet?

For those of us who like to compare CDs, mortgage offerings, credit cards, checking, and savings accounts, Google has consolidated a bunch of tools into a new service they call Google Advisor . Say, for example, that you want to compare Visa credit cards with air miles rewards that require no annual...
by danwalk
Sun May 01, 2011 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12896

I don't want to subsidize her financial mistake and getting a mortgage for my paid for house is something I find unnecessary. Although this may not be a universally-held view, my wife and I have always strongly believed in the "What's mine is yours and what's yours is mine" philosophy. I would humb...
by danwalk
Mon Oct 25, 2010 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial Agreement drafted
Replies: 177
Views: 19520

hsv_climber wrote:
kenschmidt wrote:The concept of romantic love is a fairly modern invention I believe.
"Romeo And Juliet" is fairly modern? :?:
I think he meant to say that the concept of romantic love as a basis for marriage is a fairly modern invention.
by danwalk
Mon Oct 25, 2010 6:12 am
Forum: Personal Consumer Issues
Topic: Flu-shots, do you get one?
Replies: 89
Views: 8856

Some opinions on flu shot efficacy and possible complications: http://www.truestarhealth.com/members/cm_archives07ML4P1A10.html [...]I don't claim to have enough information nor expertise to demonstrate a conspiracy theory. Although I don't have time to go through all of the sites that you cited, w...
by danwalk
Sun Oct 24, 2010 9:20 pm
Forum: Personal Consumer Issues
Topic: Flu-shots, do you get one?
Replies: 89
Views: 8856

But I'm 71 and the shots probably wouldn't do anything for my immune system anyway. For somebody much younger, it's probably a good idea. The CDC recommends that everyone age 6 months and older receive the vaccine , especially people at high risk of developing flu-related complications : -Children ...
by danwalk
Tue Oct 12, 2010 8:10 am
Forum: Personal Investments
Topic: Easy to Join Credit Unions with Good Services
Replies: 4
Views: 1334

Why not try to go with a local credit union? They have never failed me.

Cheers,
Dan
by danwalk
Wed Oct 06, 2010 4:57 pm
Forum: Investing - Theory, News & General
Topic: Losses From Following Yale's David Swensen
Replies: 51
Views: 6697

In his writings he is always very careful to state that how he invested at Yale should not be attempted by an individual investor. Swensen has assets and resources none of us do, and most importantly, his time horizon is essentially forever ; mine is significantly shorter. Some of us making an eval...
by danwalk
Wed Oct 06, 2010 4:13 pm
Forum: Investing - Theory, News & General
Topic: Losses From Following Yale's David Swensen
Replies: 51
Views: 6697

Unfortunately these personal attacks on Swensen follow a pattern usually seen every time "elite" universities are mentioned around here. For reasons I still don't understand, some people (both here and in the wider world) seem to have major issues with individuals or institutions who are perceived a...
by danwalk
Mon May 03, 2010 9:35 am
Forum: Investing - Theory, News & General
Topic: Fitch Affirms TIAA Ratings
Replies: 40
Views: 5470

Any of the low-cost investment firms/fund families are better than TIAA-CREF in that they offer more variety at a lower cost. As I've said, investors lose too much money during a lifetime of investing by paying excessive fees on index funds. I define excessive fees as .2 or more. Take a look at the...