Search found 144 matches

by General Disarray
Sun Apr 19, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable offer on this home?
Replies: 7
Views: 1350

What is a reasonable offer on this home?

I am a first-time homebuyer and am working with a broker. Asking price for a townhome is: $360,000 Owner paid $350,000 for the townhome 2015 assessed value is: $263,700 Nearby townhomes in the immediate vicinity and same street were sold for $247,000 (2014), $338,000, $291,000, and $300,000. What of...
by General Disarray
Wed Oct 08, 2014 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Inaccurate Terminology or Description in Vanguard Statements
Replies: 3
Views: 665

Inaccurate Terminology or Description in Vanguard Statements

In August, I initiated a transfer of my Schwab Roth IRA to Vanguard Roth IRA. This is a personal account, not one tied to my employment. The transfer went through, but my activity confirmations typically include a statement of employee asset transfer . For instance, two days ago, I received a confir...
by General Disarray
Fri Aug 29, 2014 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 23429

Re: My husband's " WILL", $ left for me to live on....

Divorce is not an option for me because beside this money matter, everything is just fine. Actually, everything is NOT fine. And the “money matter” is a big deal, because that is how your husband is controlling you. Your husband sounds like a narcissistic ass--one who not only has to control everyo...
by General Disarray
Thu Aug 28, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: Chicken or Fish
Replies: 10
Views: 1014

Re: Chicken or Fish

I'd miss eating fish, but I pick chicken. It's a much more versatile ingredient. Plus, we get eggs with it.
by General Disarray
Thu Aug 21, 2014 12:31 pm
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 3066

Re: Kimchi

Why are you attempting to make kimchi if you have never even tried it and don't even know if you like the taste? Why not go to a Korean restaurant and try some first? There are many types of kimchi and the experience of eating kimchi at a sit-down restaurant is far different than buying store-bought...
by General Disarray
Wed Aug 20, 2014 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 6525

Re: Will you have to pay your parent's long term care costs?

I'm not sure how these filial responsibility laws can even be enforced. It seems so unjust. For most elderly parents, it is my understanding that Medicare kicks in and takes care of the long-term costs. For low-income people, Medicaid pays.
by General Disarray
Tue Aug 19, 2014 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 17310

Re: Kaiser vs Blue Shield

Another vote for Kaiser. When I lived in Southern California, I used Blue Cross/Blue Shield (both as an HMO and PPO) and also Kaiser--all with different employers. Blue Cross/Blue Shield was a pain in the ass. It was incredibly bureaucratic and inefficient, and I used to get bills from them all the ...
by General Disarray
Tue Aug 19, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 6816

Re: Tract Home - Things to Watch During Construction

If it's tract construction I doubt you can have much of an impact on an individual property as much as you feel that its "yours". In tract construction consistency in materials and workmanship is the key. This. It's a tract home, not a customized home. Tract home builders such as Pulte ma...
by General Disarray
Tue Aug 19, 2014 8:02 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 1198

Re: Do-It-Yourself Waxing (Hair Removal) [help needed]

I know a lot of people--both men and women--wax (or, alternatively, shave), but it looks like Bogleheads are a bit shy about discussing their personal grooming habits. (I was a bit hesitant about posting this myself, actually.) Moom was actually the wax brand that I had in mind, but it's great to ge...
by General Disarray
Mon Aug 18, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 1198

Do-It-Yourself Waxing (Hair Removal) [help needed]

What brands and products would Bogleheads consider when doing at-home waxing (hair removal)? What brand is best, what products are necessary, and which wax to use (for chest and stomach hair primarily)? Is a wax warmer necessary, or will waxing strips suffice? And are these do-it-yourself home groom...
by General Disarray
Wed Jul 30, 2014 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 1292

Re: 401k Advice

Those are really high expense ratios!

I'd be curious as to what funds Bogleheads would select from this plan too. The choices do not seem particularly desirable. :(
by General Disarray
Tue Jul 22, 2014 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 4111

Re: How to track expenses to the penny?

In Excel, if you click:

FILE --> NEW --> You'll see some a BUDGET template. Click on that and it brings you to a bunch of personal expense tracking spreadsheets--all of them monthly expenses, I think. I never even knew that Excel had these templates. I guess I just never looked.
by General Disarray
Tue Jul 22, 2014 3:46 pm
Forum: Personal Consumer Issues
Topic: Recommendations on an auto shipper
Replies: 3
Views: 669

Re: Recommendations on an auto shipper

Four years ago, I made a cross-country move (California --> east coast). I used Golden Key Express to haul my car and was satisfied by the service.

As for furniture, I think I used North American and also was satisfied.
by General Disarray
Tue Jul 22, 2014 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 4111

Re: How to track expenses to the penny?

In the past six months or so, I started to track my monthly expenses in Excel. I created a very simple spreadsheet. The categories include: RENT/MORTGAGE, GAS, ELECTRICITY, etc. Unfortunately, I do not separate all the expenses (food, gas, etc.), as I charge pretty much everything on my credit cards...
by General Disarray
Sat Jul 12, 2014 7:38 pm
Forum: Personal Consumer Issues
Topic: Travel Converters/Adapters
Replies: 11
Views: 1225

Re: Travel Converters/Adapters

Get a universal worldwide plug adapter: http://www.amazon.com/s/?ie=UTF8&keywords=universal+travel+plug+adapter&tag=googhydr-20&index=aps&hvadid=44347259101&hvpos=1t1&hvexid=&hvnetw=g&hvrand=2935255867012338732&hvpone=&hvptwo=&hvqmt=b&hvdev=c&ref=p...
by General Disarray
Sat Jul 12, 2014 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 4182

Re: Assisted Living Residence and Care Agreement - Questions

I wonder if the term "living unit" is distinct from "apartment" in order to distinguish between the level of care needed for the tenant. Living in an apartment might indicate that the tenant is pretty self-sufficient, with little medical assistance or supervision needed vs. those...
by General Disarray
Sat Jul 12, 2014 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1871

Re: Planning to purchase first home - need education

Maybe start by taking a First Time Homebuyer's class. They tend to have these classes everywhere, either for free or for a small fee. Start there, but keep reading Bogleheads. And take your time with the home purchase.
by General Disarray
Fri Jul 11, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 18478

Re: High end purses

Take her to an outlet store. She can pick out a high-quality purse to her liking, and you can remain a Boglehead. The outlet stores, though, usually carry only mid-level brands (like coach), and not the super upscale ones (like Hermes).
by General Disarray
Fri Jul 11, 2014 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 19679

Re: List of Worst financial advice (what not to do):

Children as insurance policies: "Have kids, so you'll have someone to take care of you when you are old." This is the worst, most selfish reason to have kids IMO. Why? Victoria To burden children with that kind of responsibility under any of the following scenarios is unacceptable: 1. The...
by General Disarray
Fri Jul 11, 2014 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 19679

Re: List of Worst financial advice (what not to do):

Children as insurance policies: "Have kids, so you'll have someone to take care of you when you are old."

This is the worst, most selfish reason to have kids IMO.
by General Disarray
Thu Jul 10, 2014 7:11 pm
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 7146

Re: Urban garden bed--ideas to deter dog owners

This thread is timely, as my rude upstairs neighbor has been letting her dog urinate on my car tires. This has happened at least twice. And her dog and other dogs regularly urinate on the front of my home too. I did some investigation on the internet and read up on recommendations about using cayenn...
by General Disarray
Wed Jul 09, 2014 2:01 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 135163

Re: Boglehead Beer

A colleague recently introduced me to Lindeman's lambic beer. The more orthodox beer drinkers may not like lambic beer, which is fruity. I tried it and really enjoyed it. I tried several flavors: peach, black current, and cherry. My favorite was the peach. It was definitely very fruity and didn't re...
by General Disarray
Wed Jul 09, 2014 1:55 pm
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2687

Re: Munchies ?

1. Multigrain tortilla chips 2. Wasabi peas 3. Another vote for sweet potato chips 4. Terra vegetable chips http://ecx.images-amazon.com/images/I/512766XR7VL._SY300_.jpg 5. Chocolate almonds http://www.funfamilytips.com/wp-content/uploads/2010/03/emerald_chocolate_covered_almonds.jpg 6. Rice cracker...
by General Disarray
Sun May 04, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: Films on finance to influence family and friends
Replies: 61
Views: 3875

Re: Films on finance to influence family and friends

A couple posters recommended Frank Capra's "It's a Wonderful Life." My recommendation is for Michele Ohayon's "It Was a Wonderful Life." The documentary film is a bit dated (around 1991), but it covers the lives of six real women who became homeless. All of the women were middle ...
by General Disarray
Fri Apr 25, 2014 12:00 pm
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 21703

Re: Where would you retire, if $ were no object?

Palos Verdes or Rolling Hills Estates, CA. Redondo Beach, CA also would be nice.

If $ were no object, not only would I retire in the above area, but I'd already be there. I'm on the other side of the country for work, which is for the long-term.
by General Disarray
Fri Apr 11, 2014 10:33 am
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 6162

Re: Brown bagging in a more formal office

I was just curious what you other young professionals do here. Do you use a work bag like I'm thinking about? Do you use some type of lunch box (with or without the Buzz Lightyear thermos)? Or just roll hobo style with a paper bag? Guitarguy, I am not a young professional (I'm 41), but I bring a lu...
by General Disarray
Mon Apr 07, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3610

Re: Seattle trip at end of May - Any tips?

Don't rent a car. Take the light rail from SEA/TAC Airport to downtown Seattle, and just walk everywhere. Seattle is a walking city anyway. If you have to leave downtown Seattle, just take the bus. Places to visit: Pike's Place (of course). Be sure to visit the Crumpet Shop! Seattle Art Museum Sculp...
by General Disarray
Mon Apr 07, 2014 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 13649

Re: California Taxes - Am I Missing Something?

When I last lived in California (Southern California), the sales tax was 9.25%. Don't know if it has changed. It's got to be close to 10% by now. The sales tax may vary depending on the city, but it's all pretty high in California. So if you make a big purchase (say, a new car), that's a hefty addit...
by General Disarray
Fri Apr 04, 2014 12:09 pm
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 9548

Re: Preventing Office Theft of Food and Other Stuff

I don't consider myself anymore honest or dishonest than most of those in Ariely's dishonesty experiments, but places where I've worked with a community fridge did not have a theft problem and I would never even have considered stealing food or pop. I found the Coke vs. dollars difference (and all ...
by General Disarray
Fri Apr 04, 2014 11:38 am
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 9548

Re: Preventing Office Theft of Food and Other Stuff

Thank you for referring us to Dan Ariely's study, Victoria. What an interesting study! Ariely conducts such fascinating and enlightening research. One of his previous works examined Americans' perception of wealth inequality.
by General Disarray
Thu Apr 03, 2014 7:26 am
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 9548

Preventing Office Theft of Food and Other Stuff

m This NPR article on office theft of food in the company refrigerator made me chuckle--both the article and comments (check out the comment about the breast milk thief). In my early 20's, I've had food and bottled water disappear, usually taken by upper level employees (which, at the time, was, wel...
by General Disarray
Tue Apr 01, 2014 6:18 am
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 4377

Re: Purchasing New Tires for Car and Need Suggestions

+5 on purchasing tires through Costco. Boglev, I, too, live in the Northeast, and my first winter here a few years back I bought four tires from Costco. It was around January that I bought them. At the time, the Costco rep said that all-season would not suffice, given the winter conditions, and that...
by General Disarray
Mon Mar 31, 2014 4:56 pm
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 2920

Re: Deleted Thread?

While some of the posters on the thread did address the OP's financial concerns, other posters veered off topic a bit and commented more about the OP's parenting style. (I confess that I was guilty of this myself.) The last poster, if I recall correctly, accused the OP of "despising" his c...
by General Disarray
Fri Mar 21, 2014 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 4139

Re: Is it ethical to put this on your resume?

Don't fudge anything. That means anything related to fabrication, distortion (exaggeration is a form of distortion), and anything along those lines. Taking a few courses (or even a lot) does not count as a "concentration." Concentration, as one poster noted, = a major at Harvard. At other ...
by General Disarray
Thu Mar 20, 2014 9:48 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3376

Re: Buying new phone outright vs 2 yr contract + ETF

I recently bought an iPhone 5S. I refused to be chained to a two-year contract, especially since all of the monthly fees were exorbitant. I bought an unlocked (new) iPhone through Virgin for around $400 I think, and the prepaid plan is $35/month. Since I have the charges automatically billed to my c...
by General Disarray
Wed Mar 19, 2014 3:02 pm
Forum: Personal Consumer Issues
Topic: Professions that have the most/least psychopaths
Replies: 30
Views: 2597

Re: Professions that have the most/least psychopaths

Politicians should be at the top of the list.
by General Disarray
Wed Mar 19, 2014 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard settlement dates
Replies: 18
Views: 9482

Re: Vanguard settlement dates

I need to confirm the dates. Recently I completed two different exchanges, one from my Vanguard account and one from my Schwab account (the exchange from Schwab did not involve Vanguard funds). For both Vanguard and Schwab, while I requested an exchange from one fund to another, the sell occurred f...
by General Disarray
Wed Mar 19, 2014 11:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard settlement dates
Replies: 18
Views: 9482

Re: Vanguard settlement dates

T0 - Mutual Funds at the fund company. (Includes exchanges even between different accounts at same firm at least for Fido and Vg.) T1 - Mutual funds bought through a brokerage and secondary market Treasuries. T3 - Stocks and ETF's There is some confusion when using VBS and Vanguard mutual funds bec...
by General Disarray
Tue Mar 18, 2014 6:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard settlement dates
Replies: 18
Views: 9482

Re: Re:

anakinskywalker wrote:policy is simple: mf trades settle t+1. when you exchange both settle the next day.


Not quite. An exchange involves first a sell, then a buy. The selling settles same day. The buy (the "exchange") occurs the next day. (I just went through this process a few days ago with Vanguard.)
by General Disarray
Mon Mar 17, 2014 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2370

Re: TurboTax defunct?

From the Vanguard website: Registered vanguard.com users receive TurboTax discounts Most Vanguard clients will receive discounts of up to $20 off Intuit's list price on TurboTax® tax filing software. Flagship Services and Asset Management Services clients will receive complimentary access to the Fe...
by General Disarray
Mon Mar 17, 2014 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2370

Re: TurboTax defunct?

Denis, Try logging into the Turbotax website directly, and not through Vanguard. If you've already entered info into Turbotax, the information will be saved. As for any Turbotax discounts that might be applied because you have an account at Vanguard, I think Turbotax will recognize your VG account-...
by General Disarray
Mon Mar 17, 2014 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 9046

Re: What premium items are least worth it?

Pretty much anything from Whole Foods.

And a lot of foods and other products labeled "organic," which just drives up the price.
by General Disarray
Mon Mar 17, 2014 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2370

Re: TurboTax defunct?

Denis, Try logging into the Turbotax website directly, and not through Vanguard. If you've already entered info into Turbotax, the information will be saved. As for any Turbotax discounts that might be applied because you have an account at Vanguard, I think Turbotax will recognize your VG account-h...
by General Disarray
Fri Mar 14, 2014 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 13256

Re: Did you retire in your 30s?

Videogames wrote: When I see things like chicken for $0.79 a lb, I will buy 50 lbs and put it in my freezer.


That's a lot of chicken.
by General Disarray
Thu Mar 13, 2014 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13330

Re: Are 20 somethings handicapped bc of inflation and little

A lot of state employees don't pay into SS so they don't get enough credits for a benefit. Instead their 12% goes towards the pension. Most of the time it is a much better deal. Ahh, thank you! Freddie nailed it. As a state employee, I do not have a choice between SS or the pension; the state pensi...
by General Disarray
Thu Mar 13, 2014 10:26 pm
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 5072

Re: Cousin's Wedding

It's not just family who are oblivious to other people's financial constraints; friends can also be very oblivious to how financially burdensome weddings can be for their guests, which includes members of the wedding party. Just be grateful the wedding is local (from the sounds of it), and not out o...
by General Disarray
Thu Mar 13, 2014 9:39 pm
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 5072

Re: Cousin's Wedding

Good grief. What is stopping you from maxing out your Roth and 401K is only $500? First, you should easily be able to max out your Roth. Maybe not your 401K, but many people may not be able to do so. But if it is only $500, then curb your spending in other (non-wedding) areas. Like your surfing exp...
by General Disarray
Thu Mar 13, 2014 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 13256

Re: Did you retire in your 30s?

This thread is making me sick to my stomach. I think it should be locked. I think it should be kept unlocked only because of the thread's possible entertainment value. One lesson that I think a 30-something-year-old retiree might learn, but not until decades later, is the lesson of humility--i.e., ...
by General Disarray
Thu Mar 13, 2014 9:15 pm
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 5072

Re: Cousin's Wedding

Good grief. What is stopping you from maxing out your Roth and 401K is only $500? First, you should easily be able to max out your Roth. Maybe not your 401K, but many people may not be able to do so. But if it is only $500, then curb your spending in other (non-wedding) areas. Like your surfing expe...