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Re: Expensive hobbies and possessions? (B/c you can...)

Socail country club membership for the pool.
Downhill ski trip at least annually
Carbon fiber road bike, but thinking custom steel frame very soon.
by DAK
Fri Apr 04, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9244

Re: Do you have hardwood or tile in your kitchen?

We have tile but it looks just like wood, and many people say they like our wood floors. They are amazed when we tell them its tile.
I think it is made by a Finish company but cannot remember the specific name. Our kitchen floors take a lot of abuse with 2 kids under age 4.
by DAK
Sat Mar 29, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Do you love your job? What do you do?

Sub specialist MD, like my job not love it. Will go part time young.
by DAK
Thu Mar 20, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10113

Re: Your thoughts on vacation home or second home

With half my primary home paid off, I'm increasingly temped to explore purchasing a second residence in Salt Lake or Park City. I'm an avid skier and living in the midwest is annoying in the Winter. I'm spending next week in Vail. :beer
by DAK
Thu Mar 20, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3617

Re: Tax Exempt Bonds - Risks Involved

I have about 30% bonds. roughly 1/3 Limited Term tax exempt, 1/3 Intermediate Term tax exemtp, and 1/3 total bond. Total Bond is in tax advantaged, and the tax exempt in taxable. Im a high earner in the accumulation phase. Because of the low yield of total bond Im putting new Roth money and 401k mon...
by DAK
Thu Mar 06, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bonds - Risks Involved
Replies: 76
Views: 3618

Re: How Much of Tax Refund Do You Save/Spend..??

I bonds
New bed and night stands which are already ordered
by DAK
Sun Mar 02, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2428

Re: how to find an architect

I would suggest reading "Your Perfect House" (maybe called Designing Your Perfect House). It is written by and architect by the last name of Hirsch. I found it useful for ideas even though we did not use an architect. We used a draftsman, I dont think they have as much formal training as a...
by DAK
Thu Feb 27, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: how to find an architect
Replies: 17
Views: 868

Re: HELP! Medical costs

Just think of it as a donation to help the ED cover the uninsured.
by DAK
Wed Feb 26, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2832

Re: how to find an architect

I would find a couple builders I'd be interested in to build my home. Then I'd see who they would suggest.
We built a house 2 years ago and used a draftsman not an architect.
Very happy with the results.
by DAK
Wed Feb 26, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: how to find an architect
Replies: 17
Views: 868

Re: What are reliable refrigerator brands these days?

Another vote for Sub Zero.
by DAK
Mon Feb 17, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 3781

Re: USAA

After 21 years with this company, I got the Capital One Quicksilver card for the 1.5% cash back, which beats USAA Eagle Points, and I will be dumping the USAA home owners and auto due to increasing prices and a bad experience with a home owners claim. USAA DID pay up, it just took 6 months and was a...
by DAK
Sun Feb 16, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA
Replies: 40
Views: 10042

Re: taxes done and…why is my spouse working?

1) solo 401k let us tax defer all her income after SE taxes
2) keep skills up
3) help stay balanced
by DAK
Sun Feb 16, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 8928

Re: Your mortgage type, if any [POLL]

15 year fixed at 2.75% and not in any hurry to pay it off early
by DAK
Wed Feb 05, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3517

Re: Gopher Madness

I'd probably purchase a few dozen rat snakes and let them loose in your yard and park.
by DAK
Sat Jan 25, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3070

Re: What's Your up to the minute AA?

Roughly

50% Total stock market
20% Total international

15% Total Bond
7.5% Int term tax exempt
7.5% Limited term tax exempt

Rebalance with new cabbage
by DAK
Sat Jan 25, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 85
Views: 6022

Re: Glad I own bonds today!

Bought VTSAX yesterday! Doh! :oops:
by DAK
Fri Jan 24, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4505

Re: Did you reinvest your distribution cash yet?

Today given the apporximately 1% loss I bought VTSAX in taxable with all the cash I had sitting the money market, and converted my wife's backdoor roth.
by DAK
Thu Jan 23, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Did you reinvest your distribution cash yet?
Replies: 34
Views: 2083

Re: Did you reinvest your distribution cash yet?

No, that and my year end bonus that I sent to Vanguard are sitting in tax exempt money market. Ohhh, market timing I guess for a bad/badish day? :beer
by DAK
Thu Jan 16, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Did you reinvest your distribution cash yet?
Replies: 34
Views: 2083

Re: Schwab PCRA through 401k?

I have this account. I think it costs me $50 a year or something like that. I buy only the Vanguard ETF BND (total bond market) or VTI (total stock market) with it. Seems to work well other than Schwab is another username/password/account and that gets old.
by DAK
Thu Jan 09, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab PCRA through 401k?
Replies: 9
Views: 287

Re: What Was Your Best Portfolio move in 2013

Opening a Solo 401k for my wife so all her money, after SE taxes, about 13,000, would be tax deferred.

Selling PEP at a gain, and GE at a loss, and funding VTIAX with the proceeds, thus closing out an old Schwab brokerage account.

Opening Nevada Vanguard 529s for my 2 kids.
by DAK
Thu Jan 02, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7039

Re: out of residency since 07 - please advise

We have similar age, family, and salary. I would sell the rental. Then pay off student loan or practice debt. I don't plan to pay off my home since it's at 2.75 percent for 13 more years plus it's one my few deductions at our tax level. I have a 3 fund type portfolio plus tax exempt bond funds Can y...
by DAK
Sat Dec 21, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: out of residency since 07 - please advise
Replies: 20
Views: 2121

Re: POLL: Do you use your HSA funds to pay for medical expen

In January 2014 I will put $6550 into the HSA and it will then top the $25,000. I will then, via HSA bank, open up a TD Ameritrade account and put all he money in a Vanguard ETF. Right now the money is just sitting getting minimal interest. The sum is now large enough for me to make some effort to g...
by DAK
Fri Dec 20, 2013 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4193

Re: What percentage of your income are you saving?

low 40s%, I don't know exactly as I don't track it that closely.
by DAK
Mon Dec 16, 2013 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11732

Re: Physician Malpractice tail insurance-which would you cho

I'd suggest only taking jobs where tail is covered by the employer/practice. IMHO. I'd suggest the 1/3 also which is the standard.
by DAK
Fri Dec 06, 2013 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Malpractice tail insurance-which would you choose?
Replies: 39
Views: 1836

Re: oriental rugs

Not on the rug man!
by DAK
Thu Nov 21, 2013 10:24 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 925

Re: oriental rugs

Thanks for the insight. Good point in not having a particularly expensive rug in a dining room. I'm not looking for collectors items type rugs. Something good or decent, well see.
by DAK
Thu Nov 21, 2013 8:19 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 925

Re: oriental rugs

Thanks for the insight. Good point in not having a particularly expensive rug in a dining room. I'm not looking for collectors items type rugs. Something good or decent, well see.
by DAK
Thu Nov 21, 2013 8:18 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 925

Re: HSA Bank Fees

I think I'd have to pay $5.50 a month then to have the extra $5000 in an ETF such as Total Stock Index.
Even doing that though you come out a little ahead...$5000 at 1.8% yeild for Total Stock is $90, the $5.50 x 12 months come out to be $66. Correct?
by DAK
Thu Nov 21, 2013 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Fees
Replies: 15
Views: 1259

oriental rugs

I am looking purchase at least 1 oriental rug. We need a 6x9 rug for our foyer/entrance way. May get a 9x12 for our dining room.
Does anyone know anything about this or have a recommendation as a place to get one? online or at a oriental rug store?
Any guidelines?
thanks
by DAK
Thu Nov 21, 2013 4:26 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 925

Re: I Bonds as part of a portfolio

I think they stop bearing interest after 30 years? ie. depending on when you retire you may have to redeem some of them prior to retirement.
by DAK
Thu Nov 14, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds as part of a portfolio
Replies: 10
Views: 1004

Re: Pregnant wife's healthcare option selection

I tried figuring this out a couple years ago, baby born in February...I just stuck with the HSA and then paid out of pocket to the family max and everything was then covered. I think it all ended up costing me about 4500. Felt it was better to fund the HSA and let it grow...that being said you could...
by DAK
Thu Nov 14, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1427

Re: Cash check greater than FDIC limits, and when to invest

Thanks, I'll deposit it as soon as I have enough time and transfer the money to Vanguard money market when it clears.
I suspect it should be invested in other funds after the new to avoid the end of year taxes.
by DAK
Thu Nov 07, 2013 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash check greater than FDIC limits, and when to invest it?
Replies: 8
Views: 683

Cash check greater than FDIC limits, and when to invest it?

I sold a property and received a check 10% larger than the FDIC limit of 250k. Do I just cash it and then electronically transfer funds to Vanguard as soon as it clears? I could mail it to Vanguard but don't really want to just send it away. Also, I need to invest it in taxable. Should I wait until ...
by DAK
Thu Nov 07, 2013 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash check greater than FDIC limits, and when to invest it?
Replies: 8
Views: 683

Re: Need to choose a 529 - Live in CA (no state tax benefits

I just opened 2 529 plans for my 2 kids last weekend. I did the Nevada age based vanguard plan, the aggressive portfolio. This, because most of my assests are with Vanguard already, and also my state plan does't give me enough tax break. I also just like the "set and forget" aspect of it. ...
by DAK
Thu Nov 07, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to choose a 529 - Live in CA (no state tax benefits)
Replies: 16
Views: 827

Re: How many square feet is your home?

5000 sq ft. 3 bedrooms and 2 baths upstairs--for 2 kids and guests (acutally thought we might have 3rd kid before the 2nd came along!). Master bed/bath on main floor, with kitchen, living, dining, office, laundry room, and 1/2 bath. Half of basement is finished with a full bath, Half storage. I love...
by DAK
Thu Oct 17, 2013 12:40 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10631

Re: USAA disappoints!

I am dealing with a small home owners claim (broken pipes in the winter but no water damage since I had shut off the main water source) and USAA has been a total PITA. First off I am asked to contact the person assigned to my claim but I call multiple times and only get the voicemail. Then I get an ...
by DAK
Mon Aug 12, 2013 10:28 pm
 
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 5391

Re: Install In-Ground Sprinklers?

We have Rainbird and I like it a lot. We have this gizmo on the gutter that collects rain and if it rains so much it shuts the system off. For example last week we got a storm overnight and it rained 1/2 and inch. Well the system is set to go off that next morning, but the rain sensor shut it off. T...
by DAK
Mon Aug 12, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Install In-Ground Sprinklers?
Replies: 39
Views: 2850

Re: Financial advice for a newbie high earner

I'll tell you what I would do/did: 1) pay off the loans, they are just an annoyance and you can pay them off in a couple months 2)Keep the car for 1-2 more years, only an idiot just out fellowship would jump into a luxury car right away, IMHO 3)Then the basics: Max out 401K, backdoor Roth, 10K I bon...
by DAK
Tue Jul 16, 2013 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial advice for a newbie high earner
Replies: 78
Views: 7072

Re: Bogleheads Without Avatars

The Dude abides!
by DAK
Sat Jun 29, 2013 11:22 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 13678

Re: Cash at home

I keep about 50 dollars cash in the house to pay the babysitter when we get one. Not having money to pay the babysitter when we want one is an emergency to me.
by DAK
Sat Jun 29, 2013 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4726

Re: 25 years today (how long u been on the job ???)

Same job 3 years.
Same wife 4 years
Same car 10 years.
by DAK
Sat Jun 29, 2013 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5722

Re: Premium Products That Are Worth It To You

Banana Republic slim fit non iron shirts, or the same from Brooks Bros.
Wolf/Subzero gas range/refridgerator
by DAK
Thu Jun 27, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36211

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

We have a 2012 Odyssey, not sure if its EX or EX-L without DVD or navigation, but we love it.
I vote Honda.
by DAK
Thu Jun 27, 2013 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 2787

Re: Your worst financial habit

I don't use very much of my vacation time because I don't get paid vacation time. The more I work the more I get paid. So this year I plan on taking 10 or 12 vacation days when I am alotted 25 vacation days. I keep telling myself when my kids and I get a little older I'll take more vacation.
by DAK
Sat Jun 15, 2013 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your worst financial habit
Replies: 84
Views: 10551

Re: sunglasses

For driving and leisure I have a pair of Smith's. They look and feel good. Good optics. I have had them for 7 or 8 years and paid about $60 for them when they retailed about $90. Some type of "turtle" colored coating is coming off the ear pieces now but I'd say Ive gotten my $ worth. For c...
by DAK
Thu May 23, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: sunglasses
Replies: 109
Views: 16209

Re: Refusing to pay doctor bill, consequences

I have a HDHP so I will need to pay out of pocket. We contacted the "patient advocate". They were worthless. After several days they got back to us and we just stated we had to pay in full. This is a semirural hospital so patients have no where else to go for urgent/emergent care. Many pat...
by DAK
Sat May 18, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4221

Re: Refusing to pay doctor bill, consequences

My main reason for not paying this bill is this:
Why, if there is an OB service on call, does an FP attempt to provide care, when specifically asked not to?

And my question is, what are the consequences for not paying said bill?
by DAK
Sat May 18, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4221

Re: Refusing to pay doctor bill, consequences

Interesting. My wife had done at rotation at the hospital as part her RN degree, so she knew that the FP serving covering OB was a poor service. We were in the area as visitors now for a weekend. She specifically told the FP resident to their face we wanted to be on the OB service. She was transferr...
by DAK
Sat May 18, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4221

Refusing to pay doctor bill, consequences

My wife was admitted to the hopital for an OB issue. Despite requesting to have the OB service admit her, and refusing to be admitted by the Family Practice RESIDENT service, the FP service came anyway!! Now we are receiving bills of $400 from the FP doctor who "observed" her until the OB ...
by DAK
Sat May 18, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4221
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