Search found 138 matches

by PhysicsTeacher
Sun Jan 03, 2021 11:40 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 106
Views: 11507

Re: Good quality face mask recommendation, please

I’m looking for recommendations of websites for recent online purchases of N95/KN95 masks. I've purchased KN95s from Bona Fide Masks and KF94s from Be Healthy USA and been quite satisfied. Aaron Collins, an engineer who did his master's work studying aerosols and now posts results of mask tests on ...
by PhysicsTeacher
Sat Dec 05, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150825

Re: Coronavirus (Consumer Issues) How you are preparing?

I recently stocked up on KF94 masks, getting enough for my husband to wear to work everyday through June, plus a smaller quantity for our roommate and for me. They are reasonably priced and readily available right now, and it looks like we'll be needing them for at least the next few months.
by PhysicsTeacher
Sun Aug 30, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 6069

Re: is a $1000+ herman miller office chair worth the investment?

I'll second (or perhaps eighth by this point) the suggestion to look for a high-end used chair, be it Herman Miller or Steelcase. At the urging of the Bogleheads, I spent $250 plus tax on a used Steelcase Leap v2, which was considerably more than I was initially hoping to pay for a desk chair. It wa...
by PhysicsTeacher
Tue Jul 21, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2590

Re: Suggestions for a comfortable desk chair on a budget

Thank you all for encouraging me to get a good chair rather than going cheap. A local office furniture store was able to get a used Steelcase Leap V2 sent over from the nearest major metro area. At $265 including tax, it exceeded my initial budget, but the adjustability is excellent and it feels lik...
by PhysicsTeacher
Mon Jul 13, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150825

Re: Coronavirus (Consumer Issues) How you are preparing?

My most recent efforts have been on helping friends who are still in the classroom with their back to school wish lists. I've ordered 500 disposable masks, a gallon of hand sanitizer, and four gallons of concentrated disinfectant for a former student who teaches middle school in Houston. Last year, ...
by PhysicsTeacher
Sat Jul 04, 2020 1:50 am
Forum: Personal Consumer Issues
Topic: Face *Shields*?
Replies: 14
Views: 2269

Re: Face *Shields*?

We recently got a four pack of the flexible plastic on an elastic band type of face shields from Flowfold. They were just under $10 each including shipping, and are manufactured in the U.S. They seem well made and provide good coverage, but I can't yet speak to long term durability.
by PhysicsTeacher
Tue Jun 30, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Any ideas how to celebrate long weekend during this environment?
Replies: 7
Views: 770

Re: Any ideas how to celebrate long weekend during this environment?

Sksbog, your plan sounds like a good bet. We'll be grilling bratwurst and veggie burgers in our backyard and will probably watch Hamilton on Disney+.
by PhysicsTeacher
Mon Jun 15, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 36
Views: 3797

Re: Feminine Beauty Products - best bang for your buck?

I agree with everyone who has said that sun protection is key. I use CeraVe AM Facial Moisturizing Lotion, which has SPF 30, fall through spring, and switch to Neutrogena Hydro Boost sunscreen SPF 50 in the summer when I'd sweat off all my sun protection within ten minutes of going outside if I didn...
by PhysicsTeacher
Wed Jun 03, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 25367

Re: Are you still going to the grocery store or using a delivery service? Which?

Our household has been doing a weekly curbside pickup at Walmart. We've been having more luck getting almost everything on the list rather than lots of substitutions lately. I do look forward to browsing the weekly specials at Aldi again someday, but this works well enough.
by PhysicsTeacher
Mon Jun 01, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2590

Re: Suggestions for a comfortable desk chair on a budget

I'm really tempted to post links to the chairs currently available on Craigslist and Facebook in my area. It isn't pretty, and let's just say there's not much hope of Herman Miller, Steelcase, or Knoll turning up soon. I'm sure the selection is much better in, say, the Bay Area. I appreciate everyon...
by PhysicsTeacher
Sat May 30, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2590

Re: Suggestions for a comfortable desk chair on a budget

I've been considering ordering from IKEA since they have a 365 day return window. I know buying online is a gamble, but right now there are family circumstances that prevent my going out to shop. After much trial and error, DH has settled on one of our dining room chairs. Alas, the terrible folding ...
by PhysicsTeacher
Sat May 30, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2590

Suggestions for a comfortable desk chair on a budget

I've been using a folding chair at a card table for working from home since mid-March, and now that I'm getting word that I should expect to be mostly home through at least the fall semester, I think a cushioned seat and actual back support are worth spending a bit. Normally, I'd scour the thrift st...
by PhysicsTeacher
Sun May 03, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Best Protective Case For IPad 7 - FOUND!
Replies: 15
Views: 577

Re: Best Protective Case For IPad 7th generation 10.2"

I'm a very clumsy person, and an OtterBox Defender has been well worth the money. I've dropped my iPad more times than I can count, including one particularly memorable occasion when I tripped and wound up tossing the iPad several feet onto a hard floor in the process. Six years in, and my iPad is s...
by PhysicsTeacher
Wed Apr 15, 2020 3:45 am
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1538

Re: Where have you eaten out recently?

On March 6th, my best friend/roommate and I had our traditional Monday morning breakfast out at McDonald's. I think my husband went out to lunch a time or two that week as well, but that was the last week our household indulged in food from a restaurant. We're prioritizing doing our part to slow com...
by PhysicsTeacher
Thu Apr 02, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: Book suggestions for a 16 year old
Replies: 47
Views: 2353

Re: Book suggestions for a 16 year old

Thinking, Fast and Slow by Daniel Kahneman is well worth reading.
by PhysicsTeacher
Sat Mar 28, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 25367

Re: Are you still going to the grocery store or using a delivery service? Which?

Anyone here know where/how to get bread or all purpose flour. No bread available here or flour in stores. We've baked so much bread over the last couple of weeks, we've run out of flour. Making do with rice for now. Doesn't seem to be available at Amazon online either. Bakers Authority, which prima...
by PhysicsTeacher
Wed Mar 25, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 25367

Re: Are you still going to the grocery store or using a delivery service? Which?

Neither at this point. We last shopped on the twelfth, and I'm not sure when it will be best to go resupply. We could theoretically go a few months since we have some prexisting long term food storage, but I'd prefer not to get the point where we have to grind our own wheat...
by PhysicsTeacher
Sun Feb 16, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150825

Re: Coronavirus (Consumer Issues) How you are preparing?

A lot of discussion here about stocking up on water. Are you all expecting your water service to be shut off or otherwise contaminated as a direct or indirect result of cronavirus spreading? It just doesn't make sense to me. I get it from a general survivalist/prepper perspective (for example, eart...
by PhysicsTeacher
Thu Jul 26, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 18218

Re: Toughest Purchase of my Life. Engagement Ring time

Two Words: Cubic Zirconia And one more: Elope I'd be more than happy to get married in Vegas and plan an after-wedding party in a Hall or our House. I really feel like the Engagement ring and a Wedding are for other people. Yes, but is your prospective fiance one of those other people? If not, why ...
by PhysicsTeacher
Mon Jul 16, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 7849

Re: $540 a month on food for graduate student budget too much?

I've enjoyed many of the recipes from www.budgetbytes.com. They tend to strike a reasonable balance among taste, ease of preparation, nutrition, and cost.
by PhysicsTeacher
Sat Jul 07, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2346

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

At risk of kicking a hornet's nest here, but I'd just go the 25 days without health insurance. You won't incur the ACA tax unless you 90+ days without coverage (if I recall correctly). And the odds of something terrible happening in a given 25 day period are virtually zero - just don't do anything ...
by PhysicsTeacher
Sun Jul 01, 2018 8:03 pm
Forum: Personal Investments
Topic: Helping my MOM with finances/retirement
Replies: 13
Views: 1454

Re: Helping my MOM with finances/retirement

Welcome. Suggest: 1. Take a detailed inventory of your mom's finances. 2. Post a portfolio review for her in this format. Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Also, remember to list the funds available to her as well as the one's she is vested in....
by PhysicsTeacher
Thu Jun 28, 2018 5:21 pm
Forum: Personal Investments
Topic: Investing in parents accounts
Replies: 7
Views: 841

Re: Investing in parents accounts

Does your father's business have any employees other than your father and mother? If not, he could open a Solo 401(k) and take advantage of the higher contribution limit than the SIMPLE IRA.
by PhysicsTeacher
Sat Jun 23, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 34467

Re: Did you celebrate when you finally hit $1m?

We're still a very long way from a million bucks, but DH and I went out and bought a package of cookies when we hit $100k. We might do something wild and crazy like a weekend at a bed and breakfast when we reach $250k.
by PhysicsTeacher
Thu Jun 21, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best books for teens about money/debt/credit cards/power of compounding interest, etc.?
Replies: 9
Views: 1155

Re: Best books for teens about money/debt/credit cards/power of compounding interest, etc.?

I-- The Only Investment Guide You’ll Every Need , Andrew Tobias. Cover personal finance topics. I vote for this one. Easy read. Easily understandable. Kept me from doing stupid stuff even though I didn't really know it at the time. (Yes, the book has been updated since then.... :happy ) I want to g...
by PhysicsTeacher
Sat Jun 02, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: A silver coin
Replies: 8
Views: 1661

Re: A silver coin

JM Bullion is another reputable online dealer. I've purchased from them in the past and been satisfied.
by PhysicsTeacher
Sat May 26, 2018 8:27 am
Forum: Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2787

Re: Book for wife on investing

My usual recommendation and standard gift for high school graduation is The Only Investment Guide You'll Ever Need by Andrew Tobias. My dad encouraged me to read it in junior high, and it was a stellar introduction to investing, thorough enough that it could actually be the only guide most people ev...
by PhysicsTeacher
Sat Mar 03, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 8398

Re: Electric Toothbrushes - again

I've been very happy with my Sonicare Series 2. I find that it is significantly easier to get my teeth clean with the Sonicare than with cheap battery powered brushes such as Oral B Complete Action and SpinBrush, but I've never had one of the rechargeable Oral B brushes to compare it to.
by PhysicsTeacher
Sun Feb 18, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 14301

Re: Do you wear a wedding band?

My husband and I wear silicone bands. He's an electrician who can't wear a metal ring to work. The silicone rings do wear out and need to be replaced every few years, but I think the ones we got from SafeRingz are nice looking and well worth the money. I've gotten quite a few compliments from teenag...
by PhysicsTeacher
Sun Feb 18, 2018 12:11 pm
Forum: Personal Investments
Topic: Retirement investment advice for parent
Replies: 10
Views: 1281

Re: Retirement investment advice for parent

Welcome to the Bogleheads! It's admirable that you want to help your mother get started with retirement savings. - I considered investing in individual index funds for her, as opposed to a target retirement fund, but considering that the target retirement fund consists of index funds like the Total ...
by PhysicsTeacher
Fri Jan 19, 2018 11:18 pm
Forum: Personal Investments
Topic: Edward Jones Accounts
Replies: 22
Views: 2930

Re: Edward Jones Accounts

Vanguard's target date funds are an excellent starting point.
by PhysicsTeacher
Fri Jan 12, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 7384

Re: Poll: BHs who rent - what % of gross do you spend on rent?

Just under 10% of gross gets our DINK household a spacious two bedroom townhouse in Arkansas.
by PhysicsTeacher
Sat Dec 30, 2017 3:45 pm
Forum: Personal Investments
Topic: How to invest inheritance
Replies: 2
Views: 536

Re: How to invest inheritance

Welcome to the Bogleheads! You are likely to get more responses if you include information about your current expenses and how your portfolio is currently invested as well as anticipated income in retirement from social security and/or pensions. Please see asking portfolio questions for how to forma...
by PhysicsTeacher
Tue Dec 12, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 6162

Re: Cheap tablet just for internet surfing

I've been surprised by how much I use the Kindle Fire 7 I received for my birthday. I also have an iPad 4, which is a nicer device, but with a much higher price tag. The Fire 7 is dirt cheap and perfectly adequate for checking the news, reading downloaded library books, browsing forums, etc.
by PhysicsTeacher
Mon Dec 11, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 8893

Re: Kidde fire extinguisher recall

I received an email today informing me that both of my replacements are backordered. I'm not pleased with the delay in obtaining what I consider essential safety equipment. Does Kidde have any obligation to ensure a timely remedy to the problem, perhaps by offering reimbursement for purchase of a di...
by PhysicsTeacher
Mon Dec 11, 2017 7:37 am
Forum: Personal Investments
Topic: New Roth IRA contributor needing help
Replies: 5
Views: 549

Re: New Roth IRA contributor needing help

Welcome to the forum! If your company offers you the option of a Vanguard target date fund, you should seriously consider investing 100% of your 401k and Roth IRA contributions in it. It is an excellent choice with low expense ratios. If you later decide that you prefer to construct your own portfol...
by PhysicsTeacher
Sun Dec 10, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Silicone Rings
Replies: 12
Views: 2080

Re: Silicone Rings

My electrician DH and I wear Saferingz. I like the look of their "platinum" model, and I appreciate that they are made in the USA by a family business. My first ring from them lasted for three years of daily wear, but I've had to replace DH's more often. They threw in two extra rings and a...
by PhysicsTeacher
Sun Nov 19, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 20
Views: 2051

Re: Book for new college graduate

I appreciate A Random Walk Down Wall Street , The Bogleheads' Guide to Investing , and The Four Pillars of Investing , but The Only Investment Guide You'll Ever Need would be my top pick for a first book on investing/personal finance. It has become my standard high school graduation gift. It's compr...
by PhysicsTeacher
Sun Nov 12, 2017 6:36 pm
Forum: Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 5583

Re: Is an investment account the best choice for me (new guy)

Are you prepared to watch the value of your fund drop by 40% in the next recession? That's a possibility you need to be aware of if you want to invest in a fund with an 80:20 stock to bond ratio. In the long run, you are likely to end up with more money than if you opted for a more conservative allo...
by PhysicsTeacher
Sun Nov 12, 2017 1:21 pm
Forum: Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 5583

Re: Is an investment account the best choice for me (new guy)

Would there ever be a reason to invest in Vanguard Total Stock Mkt Idx Inv instead of the Vanguard LifeStrategy Growth Fund (VASGX) ER 0.15%? Since the number 1 stock fund in VASGX is (VTSMX), when would it be apropriate to put money in VASGX instead of VTSMX? It depends on whether you want a portf...
by PhysicsTeacher
Sat Oct 21, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 11329

Re: What are you driving? And would you buy your current ride again?

2011 Nissan Versa ~86k miles I purchased this used but with under 100 miles on it in 2011 (program car that got hail damaged before it could be driven). It is perfectly acceptable for getting from point a to point b, and the gas mileage is decent. The backseat is roomy enough to fit adults when need...
by PhysicsTeacher
Tue Sep 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 2302

Re: What is a decent financial book that everyone should buy?

I'll add my voice to the chorus of Andrew Tobias fans. The Only Investment Guide You'll Ever Need has become my standard high school graduation gift.
by PhysicsTeacher
Thu Sep 07, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 12115

Re: For those planning early retirement....

I hope to retire in my early fifties when I'll be eligible for a pension. I'm looking forward to long walks, bike rides, playing with pets, hanging out with my spouse, cooking great food, reading lots of library books, and having plenty of time to study whatever strikes my fancy. I'd like to volunte...
by PhysicsTeacher
Sun Sep 03, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 3953

Re: How old were you when you got your first credit card?

My mother added me as an authorized user on her Citgo card to buy gasoline for commuting to college when I was 18. When I was 20, I got a MasterCard in my own name through USAA. I think the credit limit was $1k; they raised it to $15k after I graduated. When my husband and I started dating, he was h...
by PhysicsTeacher
Sun Aug 27, 2017 12:23 pm
Forum: Personal Investments
Topic: Worth exchanging Target Retirement in taxable for tax-efficiency?
Replies: 9
Views: 1086

Re: Worth exchanging Target Retirement in taxable for tax-efficiency?

What is your current federal tax bracket? That will determine what rate you'll pay on long term capital gains if you sell your target date fund to create a more tax-efficient portfolio. How much do you have in long term and short term gains if you sell today, and how much space do you have available...
by PhysicsTeacher
Mon Aug 21, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 22808

Re: Jobs that pay over $100,000

Heck, some classroom teachers are pulling in over $100k. Add in some pre-school monitoring, yearbook advisor and after school basketball, and they can really get up there. Summers off and great health care. This is very geographically dependent. My base salary with six years of experience is $34k. ...
by PhysicsTeacher
Mon Aug 14, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 34
Views: 4010

Re: ipad or tablet for hospital?

An iPad is a fantastic device, but for this purpose I cast another vote for a Kindle Fire. The Fire 7 is a perfectly adequate tablet, small enough to carry readily in a handbag, and cheap enough not to worry terribly about losing. The Fire 8 HD is probably even nicer, but I've never had my hands on ...
by PhysicsTeacher
Thu Aug 10, 2017 7:30 am
Forum: Personal Investments
Topic: 1-Million Dollar Question [Investing during retirement, leave to heirs]
Replies: 33
Views: 5873

Re: 1-Million Dollar Question [Investing during retirement, leave to heirs]

How greatly does your father's income without his pension exceed his expenses? Is he definitely set for life, or is it possible that he may need to tap some portion of funds in the rollover IRA for care later? Nursing homes and memory care facilities can be very expensive if needed. The answer to th...
by PhysicsTeacher
Sat Jul 29, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Treasury ends myRA program
Replies: 32
Views: 4905

Re: Treasury ends myRA program

My brother opened a myRA at my suggestion and funded it with $5.5k. It fit his needs well because it was offered an acceptable interest rate while guaranteeing his principal wouldn't decline and he would have liquidity if a major emergency arose. He is currently unemplyed so, while he has no imminen...
by PhysicsTeacher
Tue Jul 25, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 2124

Re: Late start for college savings

It is my understanding that if a student was in foster care any time after he or she turned 13, he or she is considered independent for purposes of federal student aid. Since parental assets and income will not be considered, your child would be very likely to qualify for a Pell Grant (plus subsidiz...