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Re: Gift ideas for kids?

For the boy: Trucks, balls, books, puzzles. I have 16 month old twin boys and those are their favorites. There are a lot of really cool wooden toys too, my kids love toys like the link below: http://www.amazon.com/Plan-Toys-0510502-Dancing-Alligator/dp/B000I8SMZE/ref=sr_1_1?ie=UTF8&qid=141409578...
by RDB
Thu Oct 23, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 579

Re: Wife Pregnant on Bed Rest- Help with existing std and lt

No comment on short term. My wife was in the same boat and has a NWM long term policy. There was a lot of paperwork, but there were no issues. Your agent should have the packet to get you started.
by RDB
Wed Aug 13, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1524

Re: Window Blinds

We have BALI white wood blinds. Bought during a big sale at JC Penney. I think they are really nice, they look and function great. I am not sure if there is any difference between Levolor and Bali from Home Depot/Lowes vs. JCP? We did all the measuring and installation ourselves and it was a breeze....
by RDB
Tue Aug 12, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 1279

Re: Bedding and bed frame recommendations

We bought our guest room bedding at IKEA also. My mom stayed with us after we had our twins and did not believe it was from IKEA. She then went and bought her own. For our own bed, we waited for Macy's to have a 50%+ sale.
by RDB
Tue Aug 12, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 502

Re: XC90

Not to digress but as a very satisfied owner of XC60 for going on five years suggest that you test drive that vehicle before deciding on the older XC90 model. I know its older model but we do really need the third row. I can live with older technology but I am more frustrated if vehicles need more ...
by RDB
Tue Aug 05, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 3019

Re: XC90

I drive an 09 XC90, 3.2 liter AWD with NAV (rarely use the NAV). I bought it used with 32K miles and now have 60K on it. We absolutely love the vehicle. My parents also have a 13 XC90 3.2 FWD purchased new. They love it, but wish they would have gone for the AWD version. I could go on, but will stic...
by RDB
Tue Aug 05, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 3019

Re: Memory foam mattresses - any insight?

We have had a king icomfort for 3 years and absolutely love it. We were on the fence between that and Tempurpedic, the additional cost did not seem worth it.
by RDB
Thu Jul 24, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5632

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I cannot comment on the vehicles you are considering. However, I think you will be surprised that the convertible car-seats actually allow for more leg room than the infant seats (Are your twins in convertible seats yet?) We have twin 13 month olds and drive a Volvo XC90, we were able to move our se...
by RDB
Tue Jul 22, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 10567

Re: How much car can I afford while paying cash? Details ins

You can definitely afford it. We bought a CPO BMW X3 about 3 years ago. We have had a lot of issues, all covered under the warranty. Without the warranty it would have been over 7K above and beyond normal maintenence. We can afford it, but really wish we would not have bought a BMW. They are very fu...
by RDB
Fri Jun 20, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 4226

Re: True cost of a [dental] implant

Dentist also....in my office it is just over $4000 not including extras like bone grafting, CT if needed , etc. I have a periodontist in one day a week who does the surgery. Cost for the custom abutment is 575, crown is 1300. If someone has the implant placed at another specialist, I tell them to ex...
by RDB
Wed May 14, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 11
Views: 1608

Re: Lawn care - fertilizer

I am also in Minnesota and battled with crabgrass. I use the Scott's 4-step program and our lawn is great. As stated by others, it is overpriced. It is just too easy for me to not use it. I am lucky to have a neighbor who can tell me the soil temps and when to put down the pre-emergents. I suppose I...
by RDB
Tue Apr 22, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Lawn care - fertilizer
Replies: 12
Views: 744

Re: Trying to clean up personal finance

This won't likely be an option financially while you are a resident, but there are two good options for refi. Check out Sofi and Darien-Rowayton Bank. Also, as others have said, read whitecoatinvestor.com and buy his book on amazon.
by RDB
Fri Apr 18, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to clean up personal finance
Replies: 17
Views: 2017

Re: negotiation for MD, contracts, RVUs etc

Physician Contract Reviews – Contract Diagnostics. This was posted on 4/2 on whitecoatinvestor.com
by RDB
Fri Apr 11, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 1212

Re: negotiation for MD, contracts, RVUs etc

I am pretty sure there was a post on the whitecoatinvestor.com in the last couple weeks that discussed an advisor for this. They had different packages depending on how much you wanted them to do. I believe it ranged from a short phone consult up to actually negotiating for you.
by RDB
Fri Apr 11, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 1212

Re: Cutting ties with Cable

We are going on about 1 year now with no regrets. We have one Smart TV and one Roku that we use to stream Netflix and Hulu Plus (which I am about to cancel). It has been a big money and headache saver. We also have cheap antenna's from Target that work great.
by RDB
Thu Apr 03, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 3544

Re: I need a quality lawnmower

I really like my Honda. I have only had it for three years, but it has been flawless so far. My neighbor has had his Honda for eight years with no issues.
by RDB
Thu Mar 20, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 2207

Re: California getaway

Just saw Jazztonights post, my bad. We are planning on choosing just one destination! Given your further details, I'd say yes, go for Southern California. Any chance you can go mid-week and possibly get reservations at your desired resort? Or, perhaps you can call Torrey Pines and ask them for a re...
by RDB
Wed Mar 05, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2396

Re: California getaway

Just saw Jazztonights post, my bad. We are planning on choosing just one destination!
by RDB
Wed Mar 05, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2396

Re: California getaway

A lot of great replies, thanks! I will clarify and give more details as requested. We are not bringing kids as there was a little confusion. We are flying from Minnesota, it has been the coldest, snowiest winter I have experienced in 28 years. My brother recently moved to SFO, but for this vacation ...
by RDB
Wed Mar 05, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2396

California getaway

Does anyone have suggestions for a three day trip to California in mid May. I have never been, my wife has once as a kid. We are looking for a relaxing long weekend, our first time away from 11 month old twins. We generally do not like to do a lot on vacation. It would consist of a lot of eating, sl...
by RDB
Wed Mar 05, 2014 8:33 am
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2396

Re: Winter coats:

Living in Minnesota I have a wide array of coats including The North Face, Marmot, Patagonia. We have migrated more towards Patagonia lately due to their values and customer service. They stand by their product like no one I have ever encoutered. If basically anything happens, they will replace it n...
by RDB
Tue Feb 04, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 4801

Re: Twin Cities Meeting

How do you get on the list to get these announcements?
by RDB
Sun Jan 26, 2014 5:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Twin Cities Meeting
Replies: 6
Views: 971

Re: Physician starting out, want to do it right

I cancelled our WL policies with northwestern mutual a few months ago. There did not appear to be any charges. It was pretty easy, it stinks looking at what you are out, but it is a learning experience and you will get a nice check in the mail.
by RDB
Sun Jan 26, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2070

Re: Dental x- ray

First, there is a lot of inaccurate information in many of the posts above. X-rays are taken to aid in diagnosing disease and should be taken based on risk. Personally, I have no idea what insurance covers for my patients when I decide how often x-rays should be ordered. We do, however look into th...
by RDB
Thu Jan 09, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2562

Re: Dental x- ray

First, there is a lot of inaccurate information in many of the posts above. X-rays are taken to aid in diagnosing disease and should be taken based on risk. Personally, I have no idea what insurance covers for my patients when I decide how often x-rays should be ordered. We do, however look into thi...
by RDB
Thu Jan 09, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2562

Re: How much life insurance?

I agree with HouseStark. I think you need much more than that. It is a personal thing. I came up with a number based on paying off all debt (which I have a lot of), college for kids, and enough so my wife would never have to work or worry about money. Basically wanted her to be able to continue life...
by RDB
Fri Jan 03, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 19
Views: 1263

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

I am going with 2051.
by RDB
Thu Jan 02, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 14110

Re: What you wish you had known entering your late 20's

In regards to getting married and having kids. It is interesting. By the time many people are mature enough to know what they want out of a spouse and life (sounds like most people think their thirties) your body is physically past peak child bearing years. This is by no means saying you cannot/shou...
by RDB
Mon Dec 30, 2013 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 11507

Re: Knock on my Door at 11pm

Called the cops, there are too many messed up people to chance it. Would never open the door.
by RDB
Thu Dec 12, 2013 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Knock on my Door at 11pm
Replies: 24
Views: 2226

Re: Removing wisdom tooth - what do I need to know?

I don't have any specific recommendation re nitrous (I don't personally care for it but know people who would use it for a cleaning). What I wanted to mention is something which I found surprising for what seems like such a mechanical act. I've had a few extractions over the years, and I think that...
by RDB
Thu Dec 12, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1508

Re: Removing wisdom tooth - what do I need to know?

Go to an endodontist. They do this stuff day in and day out. Whether or not insurance pays for a pain management technique is something that I personally wouldn't care about..... I'm getting it. Is it really worth $100, $500, $1000 to be incredibly uncomfortable during an experience that you won't ...
by RDB
Thu Dec 12, 2013 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1508

Re: Removing wisdom tooth - what do I need to know?

Is it just one wisdom tooth? Do you know any of the details? Is it erupted, partially-impacted, full-bony impaction? If they just suggested Nitrous I would assume it is either erupted or partially erupted. I suggest most people with bony impactions use general anesthesia, but it is a personal choice...
by RDB
Thu Dec 12, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1508

Re: Spirit Air?

Everything said above. I would fly Spirit for a short flight, or I would pay extra for the bigger front seats. On our flight from MSP-CHI it was only $10 for a bigger front seat, well worth it in my opinion. You just need to add up all the costs and realize it will be a cramped flight.
by RDB
Tue Dec 10, 2013 9:58 am
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1949

Re: Will an attached iphone drain a car's battery?

We have done this in my wifes car for a while and it has never caused any issue.
by RDB
Fri Dec 06, 2013 9:49 am
 
Forum: Personal Consumer Issues
Topic: Will an attached iphone drain a car's battery?
Replies: 13
Views: 937

Re: Dog Bones for Small Dogs

We have a little pitbull/frenchie mix (she is a rescue so that is a guess) and she is tough on bones and toys. Marrow bones are great for her, but be careful if you have wood floors. We have a ton of little dents where she used to drop it off the couch. We have tried Nylabones, but they get really s...
by RDB
Fri Dec 06, 2013 9:17 am
 
Forum: Personal Consumer Issues
Topic: Dog Bones for Small Dogs
Replies: 10
Views: 642

Re: Food Processor Advice?

I just bought a Cuisinart yesterday after researching online. America's Test Kitchen also recommends Cuisinart. I have not used it yet, we plan to make baby food with it, I will let you know once we break it out.
by RDB
Tue Dec 03, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Food Processor Advice?
Replies: 18
Views: 1066

Re: Wine for daily consumption?

I also like BOTA BOX, we have had the red blend at it was good.
by RDB
Tue Dec 03, 2013 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5724

Re: looking for a pet friendly car--help

My brother does exactly what you are looking for in an Outback. I do not know anything about the Element, but it sounds like it has some great features.
by RDB
Sat Nov 16, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: looking for a pet friendly car--help
Replies: 26
Views: 1560

Re: Recommend a good pair of slippers!

My wife bought me these for Christmas last year. I would never myself spend $100 on slippers, or buy UGG's, but they are awesome and will last for a long time. They are actually often too warm though.
http://www.uggaustralia.com/men-slipper ... _color=CHE
by RDB
Sat Nov 16, 2013 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 5481

Re: bigger SUVs that carry 7

Bacchus01 wrote:The third row on an Acadia is VERY comfortable for moderate sized adults. With the captain's chairs, it is easier to access as well. We love ours.


Good Call! I would agree totally. The captains chairs do make it more comfortable and easier access. I would imagine the Traverse would be the same.
by RDB
Thu Nov 14, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 3241

Re: bigger SUVs that carry 7

I do not think there are a lot of options that will fit 7 adults comfortably outside of a Suburban or Yukon XL type of vehicle. I have an XC90 which seats 7, the 3rd row is not comfortable at all for even a small adult. Maybe a minivan!
by RDB
Thu Nov 14, 2013 11:25 am
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 3241

Re: Pregnant wife's healthcare option selection

Congrats on your first baby, get ready for a crazy/fun next few months. We just had twins in June, our first also. I am looking at the hospital bill right now. Wifes Total Hospital Charges: $25,323.83 (we stayed 1 extra day) Ins. Adj.: $16,562.42 Ins. Payment: $7,885.27 Patient Portion: $876.14 Baby...
by RDB
Thu Nov 14, 2013 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1500

Re: Family vehicle purchase advice

I apologize if someone already mentioned it, but what about the Honda Accord Crosstour. Maybe not your style, but V6/4WD fits your wants/needs.
by RDB
Wed Nov 13, 2013 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Family vehicle purchase advice
Replies: 47
Views: 2576

Re: Acura RDX or BMW X3?‏

My wife drives an 08 X3. We bought it used as a CPO. It is a really fun car to drive, we really like it. However, we will absolutely be selling it before the warranty runs out this coming June. We have had a couple issues with it that would have cost a lot. The actuator (controls the x-drive) was fa...
by RDB
Mon Nov 11, 2013 9:36 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 4810

Re: Portfolio help for couple expecting twins

I will comment on the life insurance. My experience is different than Grt2bOutdoors. We have 7 week old twins, my wife went on bedrest during the 28th week (had to be induced at 37 weeks and 1 day, so know you can keep those babies cooking for a long time). During that time she applied for and qual...
by RDB
Fri Aug 09, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for couple expecting twins
Replies: 8
Views: 588

Re: Portfolio help for couple expecting twins

I will comment on the life insurance. My experience is different than Grt2bOutdoors. We have 7 week old twins, my wife went on bedrest during the 28th week (had to be induced at 37 weeks and 1 day, so know you can keep those babies cooking for a long time). During that time she applied for and quali...
by RDB
Thu Aug 08, 2013 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for couple expecting twins
Replies: 8
Views: 588

Re: High handicap golf nut

Fall in love with your short game. By short game, I mean 100 yards and in. Like some others, I cannot comment on improving at an older age since I am 28. However, if there is a part of your game that being young and limber affects the least, it is your short game. I personally went from about a 12 h...
by RDB
Tue Aug 06, 2013 8:39 am
 
Forum: Personal Consumer Issues
Topic: High handicap golf nut
Replies: 18
Views: 1736

Re: T-Mobile Network Quality

We have had very bad luck with T-Mobile. We have spotty service, no service or "G" at our home, which is a suburb 15 miles from Minneapolis/St. Paul. We have replaced devices with no luck. They are now saying that the tower is likely getting blocked by a big building (there are zero big bu...
by RDB
Tue Jul 30, 2013 9:07 am
 
Forum: Personal Consumer Issues
Topic: T-Mobile Network Quality
Replies: 23
Views: 2546

Re: Nutrition Bars

My wife decided to go vegan for a couple months. It did not last long, but this recipe stuck with us. I have never had any interest in being vegan, but these are amazing, and really easy to make. We almost always have them in our freezer. Averie’s Vegan No-Bake Peanut Butter Chocolate Chip Protein B...
by RDB
Wed Jul 24, 2013 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 3553
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