Search found 366 matches

by Afty
Sat Jan 21, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Anyone tried Cenegenics?
Replies: 5
Views: 722

Re: Anyone tried Cenegenics?

That website screams "snake oil" to me.
by Afty
Sun Jan 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1223

Re: Doing email with a Chromebook

Verizon has a web email interface: https://webmail.verizon.com/

You're not locked into Gmail. Think of a Chromebook as a computer with only one app -- a web browser. You can do anything you can do on a normal computer through a web browser.
by Afty
Thu Jan 12, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3210

Re: thoughts about financial advisors comments regarding roth 401k

If (1) you are a resident, and (2) you post on Bogleheads, there's a good chance you will save enough to be in a higher tax bracket in retirement. I think a Roth 401k would be a good choice for you right now. I assume that once you become an attending, you will use a traditional 401k, so you'll end ...
by Afty
Wed Jan 11, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6364

Re: How to politely fire my financial advisor

I did it over the phone. I prepared a little spiel and got really worked up about it. In reality, my advisor knew what was coming -- he had already gotten signals when I started asking about fees, index investing, etc. He didn't push back at all and it was actually quite pleasant.
by Afty
Sun Jan 08, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 3918

Re: The funk - gym clothes

There are special detergents for funky gym clothes. I've used Nathan Sport-Wash before with good results.
by Afty
Sun Jan 08, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3695

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

It's not the problem with technologies but how companies are handling database with people's fingerprints. Just like Yahoo users didn't lose their password, but Yahoo itself lost its users' passwords and other personal information. I think the fingerprint technology is safe and vanguard is trustwor...
by Afty
Sat Jan 07, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3695

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Note also that phones occasionally ask for the PIN even when you are using fingerprint authentication. This prevents extended misuse even if attackers can duplicate your fingerprints.
by Afty
Fri Jan 06, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market and External Accounts
Replies: 7
Views: 683

Re: Capital One 360 Money Market and External Accounts

The money market account limits you to 6 withdrawals/transactions per month; this is a standard limitation on savings accounts. This may make it infeasible to use it for frequent recurring payments.
by Afty
Fri Jan 06, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3695

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

I'm not a fan of the fingerprint id for logins. I can change passwords, but, if for any reason now or in the future, my fingerprint is compromised, I can't change it ever. The fingerprint on your phone is only stored locally, so it is only good on that one device. I.e. if someone steals your finger...
by Afty
Tue Jan 03, 2017 2:03 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7322

Re: Are Younger people funding 529 Plans?

Few people in general fund 529s. 3% of all investors, and only 7% of those who expect major educational expenses in the next 5-10 years. I think most people are either not saving at all, or (correctly) prioritizing their retirement funds. http://www.howtogeek.com/224342/how-to-clean-install-windows-...
by Afty
Mon Jan 02, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 48
Views: 5666

Re: Vanguard's new security key option

FWIW, Google recently published a paper on their switch from OTPs to U2F (security keys) for all employees. The switch was a huge success, reducing account compromises while improving usability. (I acknowledge that Google employees are a very different user population than Vanguard customers.) http:...
by Afty
Mon Jan 02, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 32
Views: 3672

Re: Luck with DirectTV Now?

I signed up for DIRECTV Now and have been using it for a week or so. It's been great for me so far, much better than Sling. No buffering and good picture quality. I've been mostly using it from the browser and on my Chromecast. I haven't tried PlayStation Vue, but I've heard good things. I used to s...
by Afty
Mon Jan 02, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?
Replies: 12
Views: 998

Re: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?

I'm considering getting one. I get free charging at work, and the carpool lane sticker (CA) would really help with my commute. I will probably wait for the 2018 model to shake out the early bugs though, since our current cars are running fine.
by Afty
Sun Dec 25, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 4780

Re: Am I being smart with this car purchase?

I would not buy an i3 right now. The Chevy Bolt is about to come out, and IMO it's going to make every other non-Tesla EV obsolete. It has 2-3x the range of any non-Tesla EV, but costs only $30k after the federal tax rebate. Motor Trend just picked it for their Car of the Year . If I were you and in...
by Afty
Sun Dec 25, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I contact my landlady for lease renewal ?
Replies: 18
Views: 2309

Re: Should I contact my landlady for lease renewal ?

I don't see any harm in asking. My guess is that she has just forgotten that renewal time has come up.
by Afty
Sat Dec 24, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3084

Re: Should I Buy an IPhone 5S?

I agree that if you can get a 5s in good condition for $150, that's hard to beat. But if buying from EBay, I would be concerned about battery life and possible stolen phones.

The SE is an excellent phone. It's basically a 6s in a 5/5s-sized body. My wife has one and loves hers.
by Afty
Sat Dec 24, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: too aggressive with college saving for the kids?
Replies: 15
Views: 2299

Re: too aggressive with college saving for the kids?

We save a bit less in the 529s and aim to have $150k in each when the kids are college aged. We plan to cash flow whatever is not covered by the 529s.
by Afty
Thu Dec 22, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I volunteer while on short term disability?
Replies: 27
Views: 1389

Re: Can I volunteer while on short term disability?

At our company you would not be allowed to work while on short term disability, because part of short term disability is paid by the state of CA, and if you can work even a bit, they think you can work 100%. We actually had this issue with an employee who was out on SDI. He continued to work on his ...
by Afty
Mon Dec 19, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 6993

Re: Hard Endeavor/Exercise in Middle Age

+1 running. I also hated it as a kid, but I picked it up again in my mid-20s and have been doing it pretty seriously for the last 10 years or so. There's a mental hurdle you have to get over around wanting to push hard on every run vs. holding back -- if every run sucks, you're not going to be able ...
by Afty
Mon Dec 19, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting individual equities--please help
Replies: 13
Views: 695

Re: Inheriting individual equities--please help

Keeping these individual stocks will complicate your tax returns needlessly. I would sell now. I would research the muni bonds. The market can be quite opaque, so it is hard to determine if the broker is getting you a fair price. +1. Sell the stocks, research the muni bonds. Muni bonds are less liq...
by Afty
Sun Dec 18, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 4591

Re: Thoughts on SUV for retirement.

I personally would not get a GX unless you are planning on off-roading. The GX is a real body-on-frame SUV that will be great off-road but makes compromises on-road. I am not sure what those compromises are? I've heard some of these arguments when I asked opinions too, mostly from people who haven'...
by Afty
Sun Dec 18, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 4591

Re: Thoughts on SUV for retirement.

I'm a big fan of Mazda, and the CX-5 and CX-3 are both excellent. We love ours that we own in Japan. (Here all Mazda are diesel, which is welcome because the engines have more power and lower cost fuel.) Mazda has a new CX-9 that has 3 rows and gets excellent reviews. Also consider an Infiniti QX60...
by Afty
Sat Dec 17, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4323

Re: Sous Vide?

No offense taken, I agree it is operator error. Problem is I don't cook steak often enough to fine tune the process. And I forget what I did the last time by the time I cook steak the next time. :annoyed I keep a document with notes on how I cook things and how they turned out. Then when I cook som...
by Afty
Fri Dec 16, 2016 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparent wants to max gift 529, but Im confused.
Replies: 20
Views: 1808

Re: Grandparent wants to max gift 529, but Im confused.

One other possibility is for grandma to max out her yearly gift exclusion now, and when your daughter is in college, she can pay tuition directly to the school. Tuition paid directly to the school does not count as a gift. All of this assumes she wants to gift as much as possible to avoid estate tax...
by Afty
Fri Dec 16, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6091

Re: Ideal two vehicle combo?

I don't try to pretend that my preference for a manual is practical in any way. I just think it's more fun.
by Afty
Fri Dec 16, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6091

Re: Ideal two vehicle combo?

We have two young kids with no plans for a 3rd. My wife drives a Kia Sorento 3-row SUV, and I drive an Infiniti G35 sedan with a manual. IMO it's an ideal two vehicle combo for 2 kids. I have a fun-but-practical car to drive day to day, and we have the SUV for trips or ferrying around our kids' frie...
by Afty
Sat Dec 10, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 48
Views: 5666

Re: Vanguard's new security key option

Is there a link to an explanation of why Yubikey is preferable to the current 2-factor method of receiving a code? There are a few reasons: 1) It's easy to pretend to be someone else and convince the telephone company to send your SMSes somewhere else. See https://www.wired.com/2016/06/hey-stop-usi...
by Afty
Sat Dec 10, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 48
Views: 5666

Re: Vanguard's new security key option

Is there a link to an explanation of why Yubikey is preferable to the current 2-factor method of receiving a code? There are a few reasons: 1) It's easy to pretend to be someone else and convince the telephone company to send your SMSes somewhere else. See https://www.wired.com/2016/06/hey-stop-usi...
by Afty
Wed Dec 07, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 41
Views: 2411

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I'm sort of a lapsed PC gamer. I still enjoy it but don't have as much time to play these days. Every couple of years I get the bug again and go through a round of PC upgrades so I can play the newest games. Recently I've upgraded the following: ⋅  Monitor: 23" 1080p --> 27" 4k &...
by Afty
Mon Dec 05, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 164
Views: 19078

Re: Retirement with $8M in investments

Money is never enough. You ask W Buffet what he is satisfied with his $100bil. He is 80s and still worry about that 100bil is enough for his retirement. This is my favorite article about that: http://www.theatlantic.com/magazine/archive/2011/04/secret-fears-of-the-super-rich/308419/ "Roughly 1...
by Afty
Mon Dec 05, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4323

Re: Sous Vide?

+1 on the Anova, Cambro, and zip-lock bag recommendations. I have that setup and use it once or twice a week. I use a cast iron skillet for searing. Cooked a pork loin last night, and it came out incredibly tender. Also did a turkey breast for Thanksgiving, and it was almost too tender -- next time ...
by Afty
Sun Dec 04, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: 32 GB or 128GB storage for a new smartphone?
Replies: 35
Views: 2793

Re: 32 GB or 128GB storage for a new smartphone?

FWIW, I have 32 GB on my Nexus 6P and around 8 GB free after a year of use. I'm a pretty heavy user as well. I do use Google Photos to back up my photos and videos, though I haven't deleted a single photo from my phone since I got it. With a bit of cleanup I'm pretty sure I could free up 4-5 GB. How...
by Afty
Sat Dec 03, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: 32 GB or 128GB storage for a new smartphone?
Replies: 35
Views: 2793

Re: 32 GB or 128GB storage for a new smartphone?

heartwood wrote:My less than 3 year old Nexus 5 is having battery problems so I'm considering a new phone.

Have you considered simply replacing the battery in your Nexus 5? Batteries for that phone are cheap and easy to replace. I bet you could find a shop to do it for less than $30.
by Afty
Tue Nov 29, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4752

Re: Relocating from NY to CA for a job offer

The commute from Sunnyvale seems reasonable. Is there any particular reason why you decided to rent vs. buy if I may ask? We moved here for my wife's medical fellowship, which was a 3-year program. We weren't sure we would stick around after 3 years. Also, honestly, the price of housing here spooke...
by Afty
Mon Nov 28, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4752

Re: Relocating from NY to CA for a job offer

The commute from Sunnyvale seems reasonable. Is there any particular reason why you decided to rent vs. buy if I may ask? We moved here for my wife's medical fellowship, which was a 3-year program. We weren't sure we would stick around after 3 years. Also, honestly, the price of housing here spooke...
by Afty
Mon Nov 28, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4752

Re: Relocating from NY to CA for a job offer

With all the other long-term career advantages, go for it. With 180K base, great benefits and bonus/equity, you would be fine. If you may want to move back to NY at some point, renting would be good option. Where in Silicon Valley? In good school districts, you would be looking at about 4-5k per mo...
by Afty
Sun Nov 27, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Question on magazine subscription economics
Replies: 12
Views: 1588

Re: Question on magazine subscription economics

BL wrote:I would check out the site that is selling this. It could be some sort of scam as well. (However, $5 subscriptions, with automatic renewals at standard rates, are very common.)

Discountmags is reputable. I've ordered from them many times and have never had a problem. They do not auto renew either.
by Afty
Wed Nov 23, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 35
Views: 7061

Re: Keep it simple at high income level?

One difference at those income levels is that you will need to do a backdoor Roth to avoid the income limit. If your work 401k plan allows it, consider doing a mega backdoor Roth to sock away even more tax advantaged money. Also max out an HSA if you are on a HDHP.
by Afty
Wed Nov 23, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13432

Re: How many of you have cut cord?

We cut the cord about 5 years ago, not so much for cost savings but because we didn't want our family watching too much TV. Aside from the occasional sporting event (e.g. Super Bowl, Olympics), it's been fine, in fact, a positive overall. We do subscribe to Netflix and Amazon Prime, and I subscribe ...
by Afty
Tue Nov 22, 2016 12:34 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21969

Re: Retreat to cash

Have you seen all the similar Bogleheads threads from the past? In pretty much every single one, going to cash was the wrong decision. Every one of those other posters felt the same way you do now. This time is not different. Stay the course. U.S. stocks in free fall going to cash (2015) Decided to ...
by Afty
Mon Nov 21, 2016 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8287

Re: Do you track your net worth? How long have you done so?

I understand tracking cash-flow but still don't get tracking a single large monolithic net-worth number. I tend to think in 4 buckets: retirement savings, college savings, emergency savings, short-term-spend savings. If my retirement savings are larger one month it doesn't allow me to go out and bu...
by Afty
Fri Nov 18, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Eagle Community Home Loan (1st Republic Bank)
Replies: 9
Views: 631

Re: Eagle Community Home Loan (1st Republic Bank)

This is very interesting. I recently got a rate quote from First Republic on a new mortgage. Their rate was very competitive, but they required us to open a checking account and maintain a minimum $25,000 balance. We went with a different lender because of that requirement.
by Afty
Thu Nov 17, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Which cell phone for 13 year old?
Replies: 59
Views: 3274

Re: Which cell phone for 13 year old?

My kids are still young, but I have no issues with getting them smart phones once they're a bit older. Heck, they actually both have hand-me-down phones now without SIM cards; they use them as MP3 players and cameras around the house. There are lots of things we didn't have growing up that kids have...
by Afty
Mon Nov 14, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6330

Re: Go part time number

I went to part-time status (three days a week) several months ago and it's been great. My husband has also cut back on work. It sounds so easy to just "cut back on work". How many companies/professions allow this, or make it easy? Did you guys change jobs or just go to your boss, and say ...
by Afty
Sat Nov 12, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6330

Re: Go part time number

My wife (pediatrician) worked 80% time for a couple years, and it seemed pretty fantastic to me. Every week was a 4-day week! She could get errands and such done during her day off, keeping the weekends free for fun activities. If her current position allowed it, we would have kept doing it with no ...
by Afty
Fri Nov 11, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax withholding on bonus when at high tax bracket
Replies: 8
Views: 974

Re: Tax withholding on bonus when at high tax bracket

I pay estimated tax evenly throughout the year, based on the previous year's tax bill.
by Afty
Fri Nov 11, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Can I (or should I) take this in checked baggage?
Replies: 14
Views: 1488

Re: Can I (or should I) take this in checked baggage?

I regularly bring beer as a present in my checked bag and have never had a problem. Probably have done it >15 times.
by Afty
Tue Nov 08, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6775

Re: Secure alternative to Gmail

If you are seriously concerned about privacy and security of your communications, email is just a bad choice. Consider using a secure messaging system like Signal or Telegram. Those systems were designed from the start for end-to-end encryption. Even iMessage is a good choice. Whatsapp too, though I...
by Afty
Sun Nov 06, 2016 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 2447

Re: Considering a 10% down vs. doctor's mortgage

1. Babies take up very little space. They don't need their own room, and they certainly don't require multiple bedrooms, a yard, a 2 car garage, or a walk in closet. 2. Even if she is pregnant right now , it will be a minimum of 6 years before the school district you live in matters (in reality it ...

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