Search found 171 matches

by Arabesque
Sat Apr 17, 2021 6:49 am
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 84
Views: 6455

Re: What Does College Tuition Really Cost?

Most "elite" schools like to tout the fact that the majority of students receive financial aid, but that means that some are paying a lot. For example, my alma mater likes to boast that the average financial aid is more than 50% of attendance costs and that more than 50% of the students r...
by Arabesque
Mon Apr 05, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for high schooler with HFA & difficulty with math
Replies: 65
Views: 6028

Re: Career advice for high schooler with HFA & difficulty with math

FWIW. I think the math problems are really going to limit her choices, but here is a way to get an understanding of the possibilities. I have done this for more than one friend because, as a retired professor, I know how state systems work. Find the website that has your state's higher education sys...
by Arabesque
Mon Mar 29, 2021 5:50 pm
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10732

Re: Curious about negative expat experiences -- why don't more people do it?

We lived and worked for a year in China and then five years later for a year in Singapore. Even though it could be lonely, I loved the adventure and sensory overload. Everyone's Chinese language improved, and we traveled throughout East and Southeast Asia, observing many cultures. Singapore really t...
by Arabesque
Sun Mar 28, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12355

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

bsteiner wrote: Sun Mar 28, 2021 4:09 pm Many good schools have been mentioned. I think that a student who can pronounce Worcester and spell Rensselaer will do well at any of them.

Hahaha! I have a PhD from RPI, and even after decades, I still sometimes skip an "S."
by Arabesque
Sun Mar 28, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1082
Views: 49378

Re: Bird watchers – what birds are you seeing?

https://www.santacruzsentinel.com/wp-content/uploads/2020/12/STC-L-TURKEY-1212-01_79566429.jpg?w=1000 We had a rafter (flock) of these up in the woods behind our house last night. David Well their long distance cousins here in Minnesota woke me up last week with a loud chorus of gobbling. I thought...
by Arabesque
Sun Mar 28, 2021 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 448
Views: 56708

Re: Tales from this insane real estate market

Here's a tale:

This discussion inspired me to check back on a house I sold 7 months ago in LCOL area. It had appreciated about 90% in 20 years. According to Zillow (limited, I know), it has appreciated 20% in the last 6 months. It's almost enough to make me wish I stayed put a little longer. Bubble.
by Arabesque
Fri Mar 19, 2021 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12355

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

Do check out graduation rates. There is a lot of controversy about how to count them. For example, engineering heavy schools have longer time to degree because the courses are hard. Even so, it can be a problem to go to a school that only graduates 60% if its students in 6 years.
by Arabesque
Sun Mar 14, 2021 11:09 am
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 53
Views: 4766

Re: Best fencing for a dog

Not only do some dogs go through an electric fence (my sister's Pomeranian comes to mind), but an electric fence doesn't keep out other dogs, coyotes, etc. They may work for some, but I would never use one.
by Arabesque
Sun Feb 28, 2021 8:18 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12801

Re: How much do you spend nightly for hotels (leisure/vacation)?

Domestic travel: Motel 6 was my standard because I usually travel with dogs. I have stayed at perfectly acceptable, even fun, Motel 6's and ones that are scary. I love the family-run one in Bangor ME, but avoid the one in Albany NY. Both run $55-60/night. I depend on the Trip Advisor reviews now bef...
by Arabesque
Fri Feb 26, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: Masks on airlines - how do you get a 3 year old to comply?
Replies: 23
Views: 2191

Re: Masks on airlines - how do you get a 3 year old to comply?

In addition to modeling mask wearing behavior, think about what would appeal to your child. How can you make the mask special and fun? One of my kids, as an elementary school student, talked the neighbor's toddler into wearing sun screen by calling it "princess makeup." Everyone, including...
by Arabesque
Mon Feb 22, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16742

Re: Private School - financially irresponsible?

It depends on the child and the school system. One of my children was clearly gifted, and the public school system would not meet her needs. The local private prep school was affordable, relatively. After elementary school, I sent her to private school, and college cost almost nothing. After that, I...
by Arabesque
Thu Feb 18, 2021 7:30 am
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9066

Re: How should I spend all this money?

You have a lot of extra money and now you are trying to decide how to use that extra money to bring joy in to your life. Scholarships, charities, boats, watches or rescue dogs will not do it. Most people expect form (in this case money) to bring them joy by exchanging it for another form (charities...
by Arabesque
Fri Feb 12, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

[tc101] When this topic was being discussed back in December, some people were having trouble thinking through its jargon and complexity. I'm not sure that the 2015 Boston Review special issue is straight forward, but it is more accessible than many other discussion. That is, it is suppose to addres...
by Arabesque
Tue Feb 02, 2021 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

Today’s Boston Globe has an article about the difficulties of being a HS student right now. It discusses how Covid and online learning demotivate. https://www.bostonglobe.com/2021/02/02/metro/less-excited-less-prepared-less-challenged-mass-high-school-students-report-big-disparities-learning-online-...
by Arabesque
Sat Jan 30, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: College financial aid - facing an uphill climb

Your son is responsible and working. This is important. It implies that he would not go to college and party or play endless video games. He may not be ready to take the big step of committing to college, a career, and adulthood, but I see no evidence that he would fail at college. More likely he wo...
by Arabesque
Sat Jan 30, 2021 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: College financial aid - facing an uphill climb

No one has mentioned College Confidential yet: https://talk.collegeconfidential.com

They have information on applications and a great forums on financial aid. They also may have a forum on TX state schools.
by Arabesque
Sat Jan 30, 2021 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: College financial aid - facing an uphill climb

I don't know the TX system, but I do know NY's and a bit about MA and PA. States tend to have educational philosophies and to work their systems in accord (focusing science at one campus, linking specific programs with nearby privates, etc). The general public often doesn't have any idea of how the ...
by Arabesque
Fri Jan 29, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8311

Re: Careers - Flagship State vs Top Tier Private

S Check out the webpage: the average family pays $12k. That $12K number is for families "with students on scholarship" and not necessarily for the "average family" nor the average of all the students. It is still a great number. Undergraduate Cost And Financial Aid Families with ...
by Arabesque
Fri Jan 29, 2021 1:35 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8311

Re: Careers - Flagship State vs Top Tier Private

On purpose I didn't share her networking or labs or publications, or her friends' highly paid internships around the world, but they were beyond what I ever imaged possible for undergraduates. The students rose to the occasion. There is a level of difference in terms of access to some of the highes...
by Arabesque
Fri Jan 29, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8311

Re: Careers - Flagship State vs Top Tier Private

Well, if your kid experienced them, they are no longer unimaginable... Why don't you describe them for us? [/quote] I won't discuss my daughter's life, which remains unimaginable, but here is something: "For families with annual incomes below $65,000, the expected contribution is zero. Families...
by Arabesque
Fri Jan 29, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8311

Re: Careers - Flagship State vs Top Tier Private

Flagship state is just as good for top tier students. If you're a top tier student at Flagship State, you'll get very close to the same education after knocking out the 101 classes. You'll be in all the top 10% classes with all the other top 10% p So I have been faculty at two flagship in two diffe...
by Arabesque
Thu Jan 28, 2021 8:49 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8311

Re: Careers - Flagship State vs Top Tier Private

Flagship state is just as good for top tier students. If you're a top tier student at Flagship State, you'll get very close to the same education after knocking out the 101 classes. You'll be in all the top 10% classes with all the other top 10% p So I have been faculty at two flagship in two diffe...
by Arabesque
Tue Jan 26, 2021 9:47 pm
Forum: Personal Consumer Issues
Topic: Would you want a sidewalk or no?
Replies: 47
Views: 3593

Re: Would you want a sidewalk or no?

I wouldn't buy a house without sidewalks as they are a great way to know neighbors and exercise. My last house was in a town with sidewalks and parks. The kids traveled in packs and had Leave it to Beaver adventures. It helped when they were little, but it also kept them out of cars when they were t...
by Arabesque
Mon Jan 18, 2021 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Money for college/Is this reasonable?
Replies: 18
Views: 1866

Re: Money for college/Is this reasonable?

I funded my two kids through cash flow. There’s merit money and scholarship out there. It was tight, but do-able. Your kids have a decent spread in age, and you have some savings. You might be able to do it.
by Arabesque
Sun Jan 17, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: YOLO vs BH
Replies: 97
Views: 9698

Re: YOLO vs BH

Life doesn't end at 55. Lots of people in their 50s continue to ski, boat, and fly. You might not climb Everest in your 50s or ever, but there's a lot of ways to spend money which don't require you to be in peak physical fitness. You can spend money on a nice house, a fancy boat, luxury cars, five ...
by Arabesque
Fri Jan 15, 2021 8:41 am
Forum: Personal Consumer Issues
Topic: Home comfort mystery
Replies: 33
Views: 3475

Re: Home comfort mystery

Just wear layers, save money and the planet. Some things, like winter, require accommodation and acceptance.

The winter I spent in Juneau was snowy. The first time we shoveled the roof I complained, but by the second time, I had accepted it as a reality and was much happier (less miserable).
by Arabesque
Wed Jan 13, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: Any real world Tiny House experience here?
Replies: 29
Views: 2150

Re: Any real world Tiny House experience here?

I live in a 600 sq ft apartment in a HCOL area. I owned it as a rental for decades and recently retired here. I don't plan to stay long term, but it really is just fine for space. Many, many city people live in less space. It's not difficult.
by Arabesque
Sat Jan 09, 2021 9:08 am
Forum: Personal Consumer Issues
Topic: How much to give kid for living expense?
Replies: 129
Views: 5730

Re: How much to give kid for living expense?

Working less than 20 hours/week correlates with a higher GPA. More time on the job decreases it. Lots of studies confirm this. I am linking a 10 year old article because it is a fun read, but nothing has changed to my knowledge. My kids worked about 10 hours/week through college. http://www.bu.edu/a...
by Arabesque
Sun Jan 03, 2021 4:43 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 207
Views: 22966

Re: Roll Call for the Retirement Class of 2021!

[ I was very happy as a professor for 35 years, but it's time for rebirth, renaissance, reawakening, rejuvenation! I initially was planning to work until January 2022, but Covid accelerated changes in the job and economics of universities. January 31, 2021 will be my last day on the payroll. I will...
by Arabesque
Sun Jan 03, 2021 2:14 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

If you want a more in depth discussion of Effective Altruism, check out this forum https://forum.effectivealtruism.org/ I looked at a few posts and found them dense and hard to follow. My guess is that a lot of researchers in Effective Altruism are posting here. Maybe someone reading this might be ...
by Arabesque
Thu Dec 31, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I'm so glad effective altruism is getting more attention around here! It perfectly compliments the usual rationalist discussion surrounding investment decisions and behavioral economics in general. For those interested, a lot of the points being argued here have already been argued elsewhere. See h...
by Arabesque
Thu Dec 31, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

"Smitcat" The issues being addressed on that website are very complex, and clearly you aren't grasping them. I sometimes have to do a fair amount of research and reflection to understand financial discussions on this website. You may need to do so on this matter. Some ideas need more than ...
by Arabesque
Thu Dec 31, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I could not find a link for the company officers for this non profit - do you have a link? https://www.thelifeyoucansave.org/giving-effectively/ Do you have a link for the % of funds sources and uses for this non profit? I answered this question earlier: That is a group that rates other charities, ...
by Arabesque
Thu Dec 31, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I could not find a link for the company officers for this non profit - do you have a link? https://www.thelifeyoucansave.org/giving-effectively/ Do you have a link for the % of funds sources and uses for this non profit? I answered this question earlier: That is a group that rates other charities, ...
by Arabesque
Thu Dec 31, 2020 9:43 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 207
Views: 22966

Re: Roll Call for the Retirement Class of 2021!

Drum roll. I did it. I was very happy as a professor for 35 years, but it's time for rebirth, renaissance, reawakening, rejuvenation! I initially was planning to work until January 2022, but Covid accelerated changes in the job and economics of universities. January 31, 2021 will be my last day on t...
by Arabesque
Wed Dec 30, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

Yes, we are all connected. That's why I started my response with the idea of being a citizen of the world. The connections among us are complex and can be named multiple ways. When I referred to you giving locally as glocal, I used a concept that recognized your (and mine) particular communities as ...
by Arabesque
Wed Dec 30, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I'm always puzzled by the insistence on local. People--rich enough to donate--often don't live near the poor. I agree 100%. Most people have a very strong "local empathy" bias that leads them to be much more charitable towards people similar to themselves whom they can relate to. Nyarlath...
by Arabesque
Wed Dec 30, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Financial Differences: One Versus Two Children
Replies: 57
Views: 4182

Re: Financial Differences: One Versus Two Children

I worried about whether I should have two in terms of money and time (money). I asked around. Some said two were easier and cheaper than 1+1,after all the systems in place, they entertain each other, you can overlap sports, clothes and so on. Others said two were exponentially more time and money th...
by Arabesque
Wed Dec 30, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I'm always puzzled but the insistence on local. People--rich enough to donate--often don't live near the poor. I try to focus my donating where it will do the most good. I follow Peter Singer's plan of ending extreme poverty, helping millions still live on less than $1.90 a day https://www.thelifey...
by Arabesque
Tue Dec 29, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5700

Re: Effective Altruism. Using the fact based approach to selecting charities.

I'm always puzzled but the insistence on local. People--rich enough to donate--often don't live near the poor. I try to focus my donating where it will do the most good. I follow Peter Singer's plan of ending extreme poverty, helping millions still live on less than $1.90 a day https://www.thelifeyo...
by Arabesque
Tue Dec 29, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8320

Re: 6 years to college degree?????

Athletes: I had been faculty at 3 different state universities for a total of almost 30 years when an administrative position gave me reason to tour tutoring centers. I had never, ever in all my years seen anything like the support for college athletes. I was shocked. I never even imagined the reso...
by Arabesque
Tue Dec 29, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with flood risk?
Replies: 54
Views: 3283

Re: Buying a house with flood risk?

I bought my last house on a stream. At the time of my purchase, it didn't require flood insurance (which was part of my decision). Ten years in, they changed the maps, and I found out how expensive flood insurance is. I paid off the mortgage and escaped the required insurance. When I went to sell, i...
by Arabesque
Tue Dec 29, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8320

Re: 6 years to college degree?????

Athletes: I had been faculty at 3 different state universities for a total of almost 30 years when an administrative position gave me reason to tour tutoring centers. I had never, ever in all my years seen anything like the support for college athletes. I was shocked. I never even imagined the resou...
by Arabesque
Tue Dec 29, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How late in life did you make a major career change?
Replies: 17
Views: 2240

Re: How late in life did you make a major career change?

I worked as an RN from 24-34. Then I returned to school for a PhD in Communications and was a professor 39-69. I was worried at the start, but it turned out great: world travel, lots of research that I loved, flexible hours for family, intellectual growth. I sometimes regret retiring.
by Arabesque
Sat Dec 26, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: What To Do About Ghosts -- Moving Back to Hometown
Replies: 29
Views: 2372

Re: What To Do About Ghosts -- Moving Back to Hometown

I just retired to my home town/city. It’s a zombie, buildings and institutions, but not people.

For the moment I am blaming Covid. I’m waiting to see who is here when we can socialize again.
by Arabesque
Sat Dec 26, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8320

Re: 6 years to college degree?????

All colleges maintain a "common data set." https://commondataset.org. This information is mined by all those "pick your college" books and websites, Peterson's, etc. Sometimes colleges bury them as technical data. Other colleges are forthcoming. I'm providing a link to Wellesley ...
by Arabesque
Tue Dec 22, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8320

Re: 6 years to college degree?????

Good heavens! the wealth of this forum is apparent in this thread. Six year graduation rates are not a scam. They are a way of acknowledging not everyone can graduate in four years. If I came off as asserting that it was a scam, I apologize for being inarticulate. I think you can agree that regardl...
by Arabesque
Mon Dec 21, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8320

Re: 6 years to college degree?????

Good heavens! the wealth of this forum is apparent in this thread. Six year graduation rates are not a scam. They are a way of acknowledging not everyone can graduate in four years. 4 year graduation correlate with higher family income, gender, major, and quality of college. If your kid went to a go...