Search found 831 matches

by cheapskate
Sat Mar 27, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8166

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

1) With very few exceptions, it makes very little sense to go to any U of California campuses if you are a CA non-resident. You get little for the non-resident tuition you pay. Very large classes, difficult to sign up for classes, getting a slot even at TA hours very hard etc. 2) As many have menti...
by cheapskate
Fri Mar 26, 2021 8:43 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8166

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

1) With very few exceptions, it makes very little sense to go to any U of California campuses if you are a CA non-resident. You get little for the non-resident tuition you pay. Very large classes, difficult to sign up for classes, getting a slot even at TA hours very hard etc. 2) As many have mentio...
by cheapskate
Thu Mar 25, 2021 11:40 am
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2650

Re: son to major in Business, advice on specialization requested

Congratulations to your son on admittance to the Business school at Emory ! Wonderful school, hard to get into !! Given your son's strong quantitative ability, I would recommend looking at ISOM (Information Systems and Operations Management) as the primary area of study, and Analytic Consulting as t...
by cheapskate
Wed Mar 24, 2021 1:04 am
Forum: Personal Consumer Issues
Topic: Anyone still buying Yahoo eMail Pro?
Replies: 17
Views: 1298

Re: Anyone still buying Yahoo eMail Pro?

I use GMailify, which is basically GMail acting as an IMAP client to pull Yahoo! mail over to GMail. Then you can either read all your emails in GMail or just add your GMail account to outlook or Mac Mail etc and read everything in 1 inbox.

You don’t have to pay Yahoo!.
by cheapskate
Tue Mar 23, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Coming from California, culture shock is going to be *massive*, especially at Baylor, which is an evangelical Christian school. I worked with a couple of recent Baylor grads. The education they got was fine, but they were immigrants from a very secular part of Central Europe, and kind of got blinds...
by cheapskate
Sun Feb 21, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Re: Global Entry Interview conditional approval (365 day clock)...

Posting experience of my Global Entry interview experience, in case useful. This was initial application, not renewal. 1) I applied pre-Covid, so long ago that I don’t remember. 18+ months ago. 2) My conditional approval came in Jan 2020 (I think). I thought that I would not be able to get interview...
by cheapskate
Fri Feb 19, 2021 7:23 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Re: Global Entry Interview conditional approval (365 day clock)...

The new posts here caused me to login to my account and take a look (so thanks for the reminder !). I had applied pre-Covid and was waiting for the interview. 1) The deadline has now been extended to 2 years post conditional approval being granted (730 days to finish the interview). 2) I went to see...
by cheapskate
Sat Feb 13, 2021 6:07 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs bankers are passive investors with own money
Replies: 24
Views: 4743

Re: Goldman Sachs bankers are passive investors with own money

Gensler is one of the good guys. I remember reading a very Bogleheadish book by him years ago, around the same time I was studying up on my Swedroe, Bernstein, Ferri etc.
by cheapskate
Tue Dec 29, 2020 1:59 am
Forum: Personal Finance (Not Investing)
Topic: My disdain for homes: overpriced, high transaction fees, maintenence etc..
Replies: 90
Views: 9409

Re: My disdain for homes: overpriced, high transaction fees, maintenence etc..

I detest home ownership (bought my first home at age 47, after 22 years in the workforce), so I don't think your aversion to home ownership is extreme. My $0.02 is that you continue renting. With 1 child, 1200sf is plenty (we were in a much smaller 2BR apt when we had 1 child). With 2 kids, you shou...
by cheapskate
Thu Dec 24, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: A Gut Punch (Cliff Asness of AQR on the performance of multifactor equity models)
Replies: 304
Views: 18596

Re: A Gut Punch (Cliff Asness of AQR on the performance of multifactor equity models)

What exactly is admirable about Asness again ? He is a snake oil salesman who made Billions off his clients while his clients chronically underperformed. Covering it all up with flowery prose. Buffett talks about people who make money for their shareholders and those who make money off their shareho...
by cheapskate
Tue Dec 22, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: Thoughts on SPACs? [Special Purpose Acquisition Company]
Replies: 18
Views: 1992

Re: Thoughts on SPACs? [Special Purpose Acquisition Company]

SPACs are the 21st century cousins of the South Sea Company of the 1700s. Stay far away !
by cheapskate
Mon Dec 14, 2020 3:14 am
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16584

Re: Best < $100 purchase?

Instant Pot.
by cheapskate
Mon Dec 07, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: get rid of spinning wheel on my MAC
Replies: 38
Views: 1911

Re: get rid of spinning wheel on my MAC

Check the memory pressure in the activity monitor. I have a 2019 macbook air with 8GB and memory pressure is always green. I typically have chrome with several tabs , word, excel, powerpoint, zoom, teams all running simultaneously, and it has never been other than green. I occasionally notice CPU s...
by cheapskate
Mon Dec 07, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: get rid of spinning wheel on my MAC
Replies: 38
Views: 1911

Re: get rid of spinning wheel on my MAC

iMac (Retina 4K, 21.5-inch, Late 2015 3.1 GHz Quad-Core Intel Core i5 8 GB 1867 MHz DDR3 1 TB I still have tons of space and the spinning wheel is getting more frequent. Maybe time for a new one?? Yes, a new M1 MacBook Air with 16GB RAM should stop the spinning disk for a while. Are we concluding t...
by cheapskate
Sun Dec 06, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: get rid of spinning wheel on my MAC
Replies: 38
Views: 1911

Re: get rid of spinning wheel on my MAC

Is this a 1TB Hard Drive or SSD. I am guessing Hard Drive, from the fact that it is a 2015. If so, that is almost certainly the cause of the spinning wheel. I have an older Mac Mini with a 1 TB HDD, same DRAM config as you (and was practically unusable). I swapped it out for a 1TB SSD (Samsung) and ...
by cheapskate
Fri Nov 27, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4050

Re: Macbook Air - which specs should I get?

Adorama, B&H, and probably others are selling the Air (M1) for $900. If you have an Amex card, check Amex Offers for $25 off $250 Adorama. B&H with their store debit card (where they pay the sales tax) is probably the best deal on the M1. If you live in CA, that is a ~$180 total savings com...
by cheapskate
Thu Nov 26, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4050

Re: Macbook Air - which specs should I get?

Looks like you might be right based on more recent info at macrumors. https://www.macrumors.com/2020/11/26/apple-shopping-event-begins-in-au-nz/ This website seems to be the only game in town for the $50 off the new M1 MBA. I don't know if they charge for shipping. I assume you will have to pay sal...
by cheapskate
Thu Nov 26, 2020 2:14 am
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4050

Re: Macbook Air - which specs should I get?

They don't sell an Intel MBA anymore. According to the macrumors link, the BF promotion is available on apple.com as well. My preferred method is shop online and pick up in store. Glad to hear the offer is available on the M1 as well. I was confused by this terms and conditions link, where it says ...
by cheapskate
Thu Nov 26, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4050

Re: Macbook Air - which specs should I get?

Thank you for all the info and thoughts. In the past I have used the same computer for about 6 years before upgrading, so I will think seriously about the 16GB ram. It sounds like I'd probably be fine with the 8GB, but I could purchase the upgrades for $1400 incl taxes with the education pricing. I...
by cheapskate
Tue Nov 24, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: Six more ETFs from DFA (Dimensional Fund Advisors)
Replies: 61
Views: 5793

Re: Six more ETFs from DFA (Dimensional Fund Advisors)

The links in this thread talk about a tax free conversion from Mutual Fund to ETF for these DFA funds. I own at least one or 2 of these funds (dating back a long time). Does anyone know how this conversion will work ? Will my Mutual Fund share automagically convert to the ETF or do I have to do some...
by cheapskate
Sun Sep 27, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4407

Re: The College Admissions Game

DS son is going through the process now. He is leaning towards engineering. My thinking about admissions is that if one has SAT scores that are 1450 or above, a 4.5 GPA with honors classes, 4's and 5's on AP exams AND you can write a check for the full cost (in-state public in our case), do the let...
by cheapskate
Thu Sep 17, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 21585

Re: Preparing for retirement in mid 30s

I'm the same age as you (36), My wife (36) and I have 2 kids like you do, 5 and 3. We have more net worth, roughly $2M. And respectfully, (not trying to be a jerk) I think you're insane. This is a poor plan. Who cares what some online retirement tool says. Work another ten years, retire still very ...
by cheapskate
Wed Aug 19, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb vs Travelers
Replies: 11
Views: 1472

Re: Chubb vs Travelers

You don’t really know how good your insurer and coverage are until you have a claim. +1. Unless you really have extra $$ to throw around on the possibility / promises of better customer experience I'd say insurance is largely a price-driven decision. And there are many "shades" to the cus...
by cheapskate
Wed Aug 19, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb vs Travelers
Replies: 11
Views: 1472

Re: Chubb vs Travelers

Was your home insurance quote from Travelers for expanded coverage for high-value homes > $1 million? https://www.travelers.com/iw-documents/business-insurance/agri-high-value-homes-CP-6451.pdf If yes, I’m not sure that Travelers’ enhanced coverage offers the same level of coverage that Chubb, Pure...
by cheapskate
Wed Aug 19, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Chubb vs Travelers
Replies: 11
Views: 1472

Re: Chubb vs Travelers

Thanks for the responses. I will get quotes from Nationwide Private Client. Travelers' quote came out quite a bit cheaper than Chubb, another issue with Chubb was that either the agent or Chubb was pushing me into over-insuring my home. Chubb jacking up rates seems widespread, there are other recent...
by cheapskate
Tue Aug 18, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb vs Travelers
Replies: 11
Views: 1472

Chubb vs Travelers

How does Travelers insurance compare with Chubb with respect to customer support and claims processing ? Chubb has been great for me, but they have been increasing premiums very significantly. I got a quote for Travelers that is almost 30% lower. And would be interested in learning how Travelers' su...
by cheapskate
Sat Aug 15, 2020 1:42 am
Forum: Personal Investments
Topic: Young widow, life insurance payout questions
Replies: 20
Views: 2844

Re: Young widow, life insurance payout questions

My deepest condolences to you and your son on your tragic loss. What a difficult situation to be going through ! You are getting some excellent advice here about parking the money in a Vanguard Treasury or Federal Money Market fund. The safest investments you could possibly choose. Later, when you d...
by cheapskate
Sat Jul 25, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3690

Re: LG refrigerator not cooling--dump it and rebuy?

If you want a fridge that lasts and will have parts, buy a top freezer. Very few do because they "need" that 4 door french refrigerator with ice, water, and ability to play netflix. This is so true. I bought a cheap (~$500 ish) Frigidaire fridge for the garage many years ago. White color,...
by cheapskate
Mon Jul 20, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 94
Views: 11782

Re: Helping my nephew out of his rut

Making some progress already. After some talks with him, my nephew found a much lower interest personal loan to consolidate the credit card debt. The cc debt was actually closer to 24%, not 18%. (That's loan shark territory in my opinion, but not all that uncommon I guess. No wonder he got discoura...
by cheapskate
Tue Jul 14, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 94
Views: 11782

Re: Helping my nephew out of his rut

I have a nephew in his mid 20s that needs some guidance. He recently lost his mother (my sister) after her long battle with cancer. His father is not in the picture and/or fairly useless. I feel like I need to try to help him. My nephew has built up about $10K in high interest (~18%) debt spread ov...
by cheapskate
Wed Jul 08, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Re: Global Entry Interview conditional approval (365 day clock)...

You can make appointments online now, not necessarily local to you. When I try to schedule it through the portal, no appointments are available at my nearest enrollment center (SFO Intl) through 2021. I will try and call them after Aug 10 (after they reopen) and find out what is going on. Maybe the...
by cheapskate
Tue Jul 07, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Re: Global Entry Interview conditional approval (365 day clock)...

You can make appointments online now, not necessarily local to you. When I try to schedule it through the portal, no appointments are available at my nearest enrollment center (SFO Intl) through 2021. I will try and call them after Aug 10 (after they reopen) and find out what is going on. Maybe the...
by cheapskate
Mon Jul 06, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Re: Global Entry Interview conditional approval (365 day clock)...

According to this link, its now 485 days, and all offices are now closed till Aug 10th. If you had an appt prior to that date, it will need to be rescheduled. I have an appt in about a week, and have not received a cancellation email yet. https://www.cbp.gov/newsroom/national-media-release/cbp-post...
by cheapskate
Mon Jul 06, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3945

Global Entry Interview conditional approval (365 day clock)...

Has anyone who has conditional approval for Global Entry (with a requirement to complete the interview within 365 days) have any info on whether the 365 day deadline will be extended because of Covid-19 ? I am conditionally approved and am required to complete the interview before long, but obviousl...
by cheapskate
Wed Jul 01, 2020 2:35 am
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3690

Re: LG refrigerator not cooling--dump it and rebuy?

I have a similar vintage LG, only difference is that mine is 4 door. All sorts of problems over the years, most recently something related to defrosting was broken. Got it fixed a few days ago (have sears appliance warranty since 2015 and a very good tech was dispatched who diagnosed and fixed that)...
by cheapskate
Sun Jun 28, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Hey Vanguard -- Offer a 3-Fund ETF Core Product
Replies: 17
Views: 1291

Re: Hey Vanguard -- Offer a 3-Fund ETF Core Product

Are Vanguard's lifestrategy funds not suitable ? Although - funds and not ETFs, the ERs range from 11bps to 14bps. They own 4 funds internally instead of 3 (they add Intl Bonds). It is a guarantee that (a) Vanguard will continue to drop the ERs of lifestrategy funds over time (b) Vanguard will offer...
by cheapskate
Fri Jun 26, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1826

Re: Refrigerator Input...

There's a good (I hope) ending to my LG refrigerator story. I got a great tech (local business, dispatched by Sears), to look at it a few days ago. He instantly identified the problem as a broken sensor that was causing defrosting to malfunction, causing ice to buildup in the freezer, and water leak...
by cheapskate
Wed Jun 24, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 89
Views: 11888

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

"Beware Geeks Bearing Gifts" very much applies in investing. The more distance the investor puts between herself and liquid-alts peddlers like AQR, the wealthier the investor gets.
by cheapskate
Wed Jun 24, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as trustee. Your thoughts?
Replies: 21
Views: 3959

Re: Schwab as trustee. Your thoughts?

Not intending to hijack this discussion, but since this thread already exists, I thought I'd post and ask here. I am looking at Schwab as the successor trustee for our living trust. Their trust fees (which are all inclusive) seems the lowest in the industry (even lower than Vanguard). They seem to s...
by cheapskate
Sat Jun 20, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1826

Re: Refrigerator Input...

Great ! Thanks for the recommendations. I will take a look at Whirlpool and Maytag. Costco has Whirlpool and just a quick scan tells me pricing for Whirlpool is almost 50% higher than the Samsung. Maybe this is falls in the "you get what you pay for" ! Wirecutter recommends Whirlpool or Ma...
by cheapskate
Fri Jun 19, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1826

Re: Refrigerator Input...

I have a Samsung French 4 door refrigerator and no problems for over 2 years now (washer&dryer too). Fyi, if you buy from Costco the major appliances usually come with a standard 2 year mfg warranty instead of 1 year. Then if you buy it with the Costco credit card they give you another 2 years....
by cheapskate
Fri Jun 19, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1826

Re: Refrigerator Input...

Thanks for the tip re: defrost functionality not working properly. I have a tech coming out Monday and I will mention that and see if he can check that out.
by cheapskate
Fri Jun 19, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1826

Refrigerator Input...

Is there a general problem (water leaking) with refrigerators that have ice and water dispensers ? Or did I just get unlucky with the LG fridge I have ? We have a LG french door refrigerator, bottom freezer. About 11-12 years old (inherited from the previous owner of our home). The refrigerator has ...
by cheapskate
Fri Jun 19, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4564

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Surprised no one mentioned Google is also under federal investigation for anti-trust. Good point, although facebook and Apple are also under scrutiny, and Google seems to have underperformed both. Here is a related article from yesterday, featuring Chamath P. who believes that Big Tech will be brok...
by cheapskate
Thu Jun 18, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4564

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

I've been underwhelmed by google in recent years. Google makes piles of money, hires some of the world's top talent and pays among the highest rates, and yet, what new succesful products have they actually released in the last 3-5 years? The google core services continue to be search, email, maps, ...
by cheapskate
Thu Jun 18, 2020 3:28 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4564

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Funny - this article got just published this afternoon: "Will Google Be the Next FAANG Stock to Make New Highs?" https://www.thestreet.com/investing/alphabet-google-googl-stock-trading-new-highs It's all technical analysis and I'm not smart enough to know how these things work. I don't un...
by cheapskate
Thu Jun 18, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4564

Re: Google...

Excellent points about Google's positioning in Cloud. They are a distant 3rd and there is no hope of them cracking into the top 2. AWS is very strongly positioned and Microsoft's entrenched positioning in the enterprise and their strong support organizations will make it very hard for Google to make...
by cheapskate
Tue Jun 16, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4459

Re: Undergrad college list parameters.

It makes no sense to recommend Rochester in the same post you mention not going out of state due to costs. U Rochester is a private college. They offer merit aid. They combine some of the good things of a large research university and a small college. They have some excellent programs. There could ...
by cheapskate
Tue Jun 16, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4459

Re: Undergrad college list parameters.

Approximate list: - Georgia Institute of Technology--Atlanta - University of North Carolina--Chapel Hill - University of California--Santa Barbara - University of Florida--Gainesville - University of California--Irvine - University of California--San Diego - University of California--Davis - Colleg...
by cheapskate
Mon Jun 15, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4459

Re: Undergrad college list parameters.

Undergrad major: Psychology. Future plan: Accredited clinical psychology PhD. Backup: 1) PsyD 2) Masters Undergrad college list parameters: - 20 count. Common app has 20 spots. - US news national universities ranking. - Public. For cost. - Psychology. - No Minor. Assumption is minor will cost extra...