Search found 1553 matches

by JonnyDVM
Mon Jul 24, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan for a small business- Which one should I choose?
Replies: 1
Views: 170

Retirement plan for a small business- Which one should I choose?

I need to choose a retirement plan for a small business. I will have <10 employees. I want to be able to put away as much money for myself as possible. I'm being told a SIMPLE IRA is the way I should go. Complicating things is that I would like to be able to do a backdoor roth as well. If I have an ...
by JonnyDVM
Sun Jul 23, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3511

Re: Healthiest Beer for the Buck

Even vodka is pretty calorie dense, think I've seen that listed at about 100 cals per shot. Exactly. You order several of those mixed with soda water. It's only a few hundred calories and then if you're like my friend you'll abruptly walk several miles home without a shirt on and burn those calorie...
by JonnyDVM
Sun Jul 23, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2877

Re: Would you chase down this possible hit and run lead?

The purpose of catching them is not to get compensated, but to get them in trouble with the law. Unfortunately, I don't think they'd get in that much trouble. And unless there was a witness, they could always say "it wasn't me". Being a responsible member of society is sometimes burdensom...
by JonnyDVM
Sat Jul 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3511

Re: Healthiest Beer for the Buck

A nice thick Guinness has shockingly few calories. Not sure about the maltose/dextrose factor. Only 210 calories per pint. Solid IMO. Fear of GMOs is way overblown and is totally without scientific merit. If you really want to "drink healthier" then beer isn't the answer. Switch to vodka.
by JonnyDVM
Fri Jul 21, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Should you tell your employers your age if you look too young?
Replies: 14
Views: 1277

Re: Should you tell your employers your age if you look too young?

Your employer from your resume should be able to approximate your age. If you're concerned that your young appearance may affect how people judge your ability to perform the job consider glasses with non prescription lenses. Not joking. Or you can have a child. That usually ages faces nicely. On tha...
by JonnyDVM
Wed Jul 19, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord update
Replies: 9
Views: 1555

Re: Accidental landlord update

It sounds like you're not expecting damages so I'd be annoyed but I'd just let it go. You could always ask to have a quick look around to inspect before they move out if you're nervous. Flip side of the coin is there are many unscrupulous landlords that will wrongly withhold security deposits. Your ...
by JonnyDVM
Wed Jul 12, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Wisdom Teeth Removal: Any experience?
Replies: 17
Views: 940

Re: Wisdom Teeth Removal: Any experience?

Early 20's. Was knocked out by gas. Apparently I started singing and I also told the oral surgeon his office staffers were extremely attractive. One of my sites got infected. Worst pain ever. If not for the infection it wouldn't have been that bad, so I wouldn't worry. Worst case scenario you take a...
by JonnyDVM
Thu Jul 06, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 7899

Re: Should I still buy index funds now at such a high price before an impending recession?

Personally I think this is a troll. The name Summer2017 is most suspect. Regarldless, my advice for anyone thinking this would be four simple words- Read the Wiki.
by JonnyDVM
Mon Jul 03, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buy health insurance for one week in Cancun?
Replies: 12
Views: 1235

Re: Buy health insurance for one week in Cancun?

A lot of credit cards cover medical evac. I think the Delta Amex is one such card. I would check to see what your cards cover in case of a major problem. I've never much worried about it. For bad food poisoning or something how much could it possibly cost to see the doctor in Cancun?
by JonnyDVM
Sun Jul 02, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 5119

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

My understanding is abrupt movement like that is dictated by computer algorithms that self piolet. No doubt The majority of them react to similar variables. So some news or some critical ungodly complicated nummerical threshold was hit and the computers said "beep beep boop SELL SELL SELL"...
by JonnyDVM
Fri Jun 30, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 26
Views: 2690

Re: BH thoughts on money gurus

I like Clark Howard. Orman and Ramsey have been discussed on this forum so many times it's hard to keep track.
by JonnyDVM
Fri Jun 30, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can't find houses less than 3.3x income. Can we afford it?
Replies: 40
Views: 4519

Re: Can't find houses less than 3.3x income. Can we afford it?

The rule of thumb for house purchase goes out the window in many HCOL areas. The solution if you want a house there is to spend less on other things and plan to retire a few years later. Many people do it. 3.3X really isn't THAT bad relatively speaking. The 5X people really make me shake my head.
by JonnyDVM
Fri Jun 30, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 6245

Re: Should I move abroad to minimize health care costs?

We're all in the same boat. I'm not moving anytime soon. You already have a high deductible plan. Pick one that won't wipe you out in the event of a catostrophic health crisis. Plan to relocate when you retire when this risk is higher. This is sort of a silly question TBH. By your logic everyone wit...
by JonnyDVM
Fri Jun 30, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 55
Views: 6181

Re: Contractor took deposit but never did any work. What next?

denovo wrote:
I don't understand people who are willing to let a five-figure sum disappear without a fight.


Agree. This guy should be prosecuted. Unless he magically appears with a check for your money back.
by JonnyDVM
Fri Jun 30, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 15640

Re: Switching to Fidelity's new Total International Index (includes small cap!)

I'm waiting to switch to FTIPX until I can use It to tax loss harvest. Returns to FSGDX have looked more or less identical. I've been using VSS as a complement to FSGDX to tilt towards international small cap. I'd say it's been working well for me, but then again the performance of VSS would beg to ...
by JonnyDVM
Thu Jun 29, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 1621

Re: Lending people "things"

Sell it. He can get his own or buy yours off you. Easy solution
by JonnyDVM
Wed Jun 28, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 36
Views: 2954

Re: Cat teeth cleaning costs

I try not to reply to these threads since I do enough of this at work but I'll give my two cents. Your pre-op blood panel seems a little high. I'm assuming they're recommending a full senior panel. You may be able to ask about running a less comprehensive panel. Most vets have some level of flexibil...
by JonnyDVM
Wed Jun 28, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 1750

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I would fly but I think you could do either. Flights to Orlando are relatively cheap. Flying in this situation is a time saver, and that's a long boring drive.

We just did a five hour drive from ATL with a two year old and that went OK. We were definitely reaching her limit though.
by JonnyDVM
Tue Jun 27, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping floor subcontractors?
Replies: 12
Views: 839

Re: Tipping floor subcontractors?

I tip for a lot of stuff but I wouldn't tip for that.
by JonnyDVM
Tue Jun 27, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2192

Re: Cruise With The Grandkids

I noticed a lot of kids on our last Royal carribbean cruise. There was a rock wall, an outdoor theatre, a zip line and a surf simulator. Lots of things for them to do. I don't remember any inappropriate chicanery at the pool. That may be a decent option for you. The particular ship we were on was th...
by JonnyDVM
Tue Jun 27, 2017 6:07 am
Forum: Investing - Theory, News & General
Topic: Illinois: A slow swimming black swan?
Replies: 32
Views: 4760

Re: Illinois: A slow swimming black swan?

I feel like this situation is nothing new and wouldn't rattle the bond market much. If you buy Illinois backed bonds right now you know what you're getting yourself into. It's been this way for a few years now. A severe acute financial crisis in a previously stable state on the other hand- triggered...
by JonnyDVM
Mon Jun 26, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Best device for cleaning up after a dog from wall to wall carpet
Replies: 3
Views: 329

Re: Best device for cleaning up after a dog from wall to wall carpet

I got a rug doctor on Amazon for $240. I found it works much better than the uprights. It was more expensive, but after using it for a year I can definitely say it's a superior product.
by JonnyDVM
Sat Jun 24, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 35
Views: 2737

Re: Anything wrong with 100% US Stocks?

lazyday wrote:If Bogle told you to jump off a cliff, would you do it?


1/2 this forum would. 1/4 would question it, and the last 1/4 would ask if their nearest bridge would be an OK substitute cuz it's a big cost savings over the cliff.
by JonnyDVM
Thu Jun 22, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4825

Re: What do you say when you cancel an account that you only opened for bonus?

A year ago I tried to cancel my Barclay card which I opened for the bonus I told them I didn't want to pay the annual fee. They gave me the run around and talked me into downgrading the account to a card without an annual fee. I thought fine, whatever. I'll just never use it. Two months later severa...
by JonnyDVM
Mon Jun 19, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: front loading 529
Replies: 10
Views: 1187

Re: front loading 529

This is for state of Ohio and 2k limit is per beneficiary per couple. By significant fee, I mean 0.2% of 28k, starting for first year itself, compared to 0.04% of taxable. I see. Well Ohio is considered one of the better 529s. 0.2% isn't really that bad in the big scheme of things. I think you can ...
by JonnyDVM
Mon Jun 19, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: front loading 529
Replies: 10
Views: 1187

Re: front loading 529

What state and is it 2k total or 2k/parent? In Ga we can deduct up to 4K contributed/yr. So far that's the approach we've taken. There's a strong argument to be made for a lump sum contribution, but I prefer to just put in up to the deduction limit each year. If I was going to fund more than 2k in t...
by JonnyDVM
Mon Jun 19, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4175

Re: Best Cheap Champagne

I enjoy my wines, both red and white. But I've never figured out the deal with champagne. Too fizzy, and the taste is awful. And applying more cash doesn't seem to improve the product. I'd rather have a 7-up! (Flameproof suit now being donned!) You could add 7-up to your white wine maybe? I'm no ch...
by JonnyDVM
Mon Jun 19, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6531

Re: So sick of it! [Paying off student loans]

To a previous post. Pretty much everyone that posts here cannot deduct student loan interest. I'm not sure that's true. I think the limit (someone correct me if I'm wrong) is $75,000, and it's a deduction regardless of itemization. I think there are plenty of people on this board who fit into that,...
by JonnyDVM
Sun Jun 18, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2470

Re: Unexpected raise while househunting-- should I change my budget?

I would try to stay 2.5-3X gross income max. Life is much easier when your monthly mortgage payment is 20% or less of your income.

500k house on 115k is way too much house IMO except in places like SF where the housing market is insane.
by JonnyDVM
Sun Jun 18, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1977

Re: Change Auto & Umbrella Insurance after 52 years?

My question is simply, would I be foolish to give up all that longevity with Amica for a $700 annual savings or is that long history of essentially no value in my future dealings with the company? Gill I would use as leverage to get a lower rate with Amica, if you still want to use them. Absolutely...
by JonnyDVM
Sun Jun 18, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2723

Re: What Is The Right Amount For An Emergency Fund?

It seems the people most concerned with having an emergency fund are those least likely to actually need it. When we had student debt to repay we carried about 3 months. Now we carry roughly 6 months. The question you need to answer is how long would it take you to find another job if you suddenly g...
by JonnyDVM
Sun Jun 18, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6531

Re: So sick of it! [Paying off student loans]

If you got a 2% rate that means you have a very large income. Where is that income all going ? I suspect you're a doctor. If your family is already living the stereotypical "rich doctor" lifestyle then you need to back off a bit. Focus on putting all your extra income towards your loans yo...
by JonnyDVM
Sat Jun 17, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12854

Re: Who takes financial chances and why is this forum so financially conservative?

Agree with your opinion on SWR and I've brought it up many times to the point where I've stopped reading SWR threads. The super conservative SWR folk are going to wind up working longer/harder and leaving a huge ball of money behind. Opportunity cost to the max. To the inevitable "well what if...
by JonnyDVM
Sat Jun 17, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4175

Re: Best Cheap Champagne

Moët or most anything from Mumm Napa. Korbel is yucky imo
by JonnyDVM
Sat Jun 17, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Any alternatives to Tempur-Pedic for memory foam???
Replies: 12
Views: 1225

Re: Any alternatives to Tempur-Pedic for memory foam???

I have a loom and leaf. tempur-pedic is too expensive

Here's a comparison of loom and leaf vs tempur-pedic
https://sleepopolis.com/mattress-reviews/loom-and-leaf-vs-tempurpedic-mattress-review/
by JonnyDVM
Sat Jun 17, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6829

Re: Your Favorite Portfolio Tilts

My favorite tilt is towards microcap- BRSIX
Wheeeeeeeee!
by JonnyDVM
Sat Jun 17, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: The terrible things I have done--I wish to come clean
Replies: 24
Views: 2577

Re: The terrible things I have done--I wish to come clean

You lost me at "I love my whole life insurance"
by JonnyDVM
Fri Jun 16, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12854

Re: Who takes financial chances and why is this forum so financially conservative?

Agree with your opinion on SWR and I've brought it up many times to the point where I've stopped reading SWR threads. The super conservative SWR folk are going to wind up working longer/harder and leaving a huge ball of money behind. Opportunity cost to the max. To the inevitable "well what if ...
by JonnyDVM
Fri Jun 16, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13694

Re: Anyone else gotten totally bored with investing?

It's supposed to be boring. Like monitoring anesthesia. I would recommend investing a little fun money in stocks. 5% of your portfolio or so. Try to pick individual winners. You can check them every day to see how they're doing. Spoiler alert- it's not easy to consistently pick winners.
by JonnyDVM
Fri Jun 16, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: contribution of more than $18,000 to 401k - no refund?
Replies: 31
Views: 1971

Re: contribution of more than $18,000 to 401k - no refund?

Usually they refund the excess back to you in the next paycheck.
by JonnyDVM
Thu Jun 15, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 5254

Re: putting more than 20% down on new home purchase

Unless it affected my interest rate significantly I wouldn't put anymore than 20% down. Liquidity is a valuable asset.
by JonnyDVM
Thu Jun 15, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: House closing in 2 weeks. RE Attorney made a mistake and won't fess up. What to do???
Replies: 8
Views: 1197

Re: House closing in 2 weeks. RE Attorney made a mistake and won't fess up. What to do???

If your lender required a survey then you need to get one and $800 is about what mine would have cost. Agree with the statement that what you were told is probably irrelevant. Now if a survey wasn't required and one was ordered anyway without your approval- that's a different story. A survey wasn't ...
by JonnyDVM
Mon Jun 12, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3985

Re: Ok reasons for a 37 year old to have a 60/40 mix?

It's fine if you know yourself and you want to stay (relatively) conservative. Better than 20/80 and way better than stuffing it all into a savings account because you don't want to "gamble" in the market.
by JonnyDVM
Mon Jun 12, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5263

Re: Pay Mortgage vs. Buy Bonds

ThisDinosaur wrote:@Jonny&Chadnudge
In some respects, liquidity is my whole argument in favor of bonds. Is that reason enough though?


I would say liquidity combined with the very low interest rate of your mortgage would be reason enough for me.
by JonnyDVM
Mon Jun 12, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7484

Re: Poll: Do Bogleheads own Stocks?

whaleknives wrote:
daveydoo wrote:
MrNewEngland wrote:73% of respondents have a net worth over $1M... that's impressive.
I better hurry up and take that poll -- I like those odds.

It's only 59% at $1 Mil or over currently. :D


Srry. I was really close but some quick mental math and I don't think I'm there yet. Brought it down :(
by JonnyDVM
Mon Jun 12, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5263

Re: Pay Mortgage vs. Buy Bonds

I don't think it's a "no brainer" to pay off the mortgage (or more accurately accelerate principal payments on your mortgage) than buy bonds. Bonds have (relatively) instant liquidity. Equity in your home does not. That liquidity aspect should play a role in your analysis, at minimum. Not...
by JonnyDVM
Mon Jun 12, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3254

Re: Got a parking ticket - what to do?

Someone probably just took their ticket and put it on your car. I would ignore it. ^^ This. If the ticket doesn't show your license plate number and correct description of the vehicle, it's not your ticket. Some scofflaw grabbed a ticket on another car (or their own car) and put it on your windshie...
by JonnyDVM
Mon Jun 12, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs bonds (yes, again)
Replies: 16
Views: 1509

Re: Bond funds vs bonds (yes, again)

Stupid question but why would holding individual bonds be much better than a bond fund in a rising interest rate environment?

Secondly, I've found my that my bond funds have done just fine the past several years despite the constant clamor that the bottom is about to drop out of the bond market.
by JonnyDVM
Mon Jun 12, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 1693

Re: Recommendations on Home Alarm Systems

We use Akerman and I hate it. False alarms occur so frequently the system is totally useless. That is despite multiple visits by techs to try to fix the problem. Planning to switch to Simplisafe when the contract expires. My old security system was a big red loud dog. Unfortunately, he's gone and ou...
by JonnyDVM
Sun Jun 11, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1383

Re: Radar diffusers - illegal? Too good to be true

This seems too good to be true if you are intending to go above the speed limit. Any views? My understanding is that such devices are very unreliable and while not technically illegal are obviously frowned upon. I've never been a guy that likes to drive fast so this is all second hand information.