Search found 85 matches

by RDB
Tue Apr 12, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Kid/baby Thermometer recomendation
Replies: 9
Views: 534

Re: Kid/baby Thermometer recomendation

We have tried most types, we also prefer the exergen temporal thermometer.
by RDB
Wed Mar 30, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 3025

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

Male, dentist. Black scrubs, no white coat. I probably spend $50 per year on average, some years I spend nothing.
by RDB
Sat Mar 19, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Cash - in cases of fraud
Replies: 16
Views: 2106

Re: Citibank Double Cash - in cases of fraud

I was recently on vacation, the first purchase I made with my double cash card was declined, I immediately got a text asking to verify whether I made that purchase, I replied "1" to say "yes", swiped my card again, done deal. I was very impressed, the whole thing took 20 seconds,...
by RDB
Tue Dec 29, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Juice/Smoothie Recipes
Replies: 11
Views: 1086

Re: Juice/Smoothie Recipes

Kale, spinach, carrots, lemon, green apple/pineapple for a little sweetness.
by RDB
Wed Dec 23, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Loan refinance options for high debt/income ratio
Replies: 7
Views: 496

Re: Loan refinance options for high debt/income ratio

See above. My wife went to grad school and now only works very part time outside of the house. So, her debt:income ratio is horrible. I applied to refi at sofi for her, they said no. I co-signed, was approved with no issues.
by RDB
Wed Dec 16, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 4204

Re: Need recommendations for 4WD/AWD vehicle

I had snow tires put on our Honda Odyssey a couple weeks ago, major difference. I also need new tires for our AWD XC90, they recommended Toyo Celsius (if I remember right). He stated that they perform like a snow tire, but wear like an all season. 60k mile tread life, no need to take on and off. I h...
by RDB
Sun Dec 13, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 94
Views: 5576

Re: Paying Kids For Good Grades -- do you do it?

I have not read any of the articles or research. My parents gave me around $300 for a perfect report card. I got a 4.0 in high school. I imagine I would have either way. I continued to get good grades through college and dental school without that motivation. I would imagine some kids will do very w...
by RDB
Fri Dec 11, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dental CPA recommendation?
Replies: 8
Views: 960

Re: Dental CPA recommendation?

I work with Baker Tilly in Minneapolis. Specifically, Ron Barthell. I have nothing but great things to say about him. I am in the area, I like meeting face to face, but you certainly would not need to. I am actually sitting in his lobby right now for a year end meeting.
by RDB
Fri Dec 04, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Anna Maria Island
Replies: 19
Views: 2181

Re: Anna Maria Island

Thanks for all the comments. For those who have been, would you rather stay on the very north part of the island (bean point) or on bradenton beach. Both rentals are gulf-front.
by RDB
Wed Dec 02, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Anna Maria Island
Replies: 19
Views: 2181

Re: Anna Maria Island

There are still places available. I show 9 places on VRBO for our selected dates that are oceanfront. We also have no restrictions when we need to travel. Is the weather much different than fort Myers beach? That is typically where we go. We will be with two and half year old twins and a four month ...
by RDB
Wed Dec 02, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Anna Maria Island
Replies: 19
Views: 2181

Anna Maria Island

Anyone been here? Do you recommend it? We are looking for a spot to travel with three small children in early March. Looks quaint, laid back.
by RDB
Sat Nov 28, 2015 12:54 am
Forum: Personal Finance (Not Investing)
Topic: What to do with large "bonus"
Replies: 16
Views: 2366

Re: What to do with large "bonus"

Thanks again for the replies. Seems like most would leave the auto loans alone. I cannot say I totally disagree with the comments about buying a new van with our debt. We have certainly made some loose decisions in the past. If someone in our situation asked me about a car purchase I would never tel...
by RDB
Fri Nov 27, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with large "bonus"
Replies: 16
Views: 2366

Re: What to do with large "bonus"

That is kind of where I am at right now. Debt really bothers me, my real goal is to get rid of it all (minus the mortgage for now) ASAP. The practice loan is not something I even think about, so psychologically I would not get as much benefit from paying that down.
by RDB
Wed Nov 25, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with large "bonus"
Replies: 16
Views: 2366

Re: What to do with large "bonus"

Thanks so far, I have a hard time deciding on the quick increase in cash flow from paying off the auto loans vs knowing it is mathematically the wrong thing to do.....
by RDB
Wed Nov 25, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with large "bonus"
Replies: 16
Views: 2366

What to do with large "bonus"

I will be getting a payout of around 180k before taxes and am looking for some advice on how to best use the money. I have some thoughts, but would love to hear yours. Pertinent information: Age: 30, wife: 29 Salary not including payout: 240k in 2015, 276k in 2016 -401k maxed, wife's 403b maxed -wif...
by RDB
Sun Nov 01, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: New Car - Acceptable Initial Mileage ?
Replies: 27
Views: 4161

Re: New Car - Acceptable Initial Mileage ?

Just bought an odyssey with 4 miles. I was surprised, would have been ok with less than 300.
by RDB
Tue Sep 29, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4166

Re: Minivan or not?

Rupert is correct about the second row configuration. We bought a 2015 Odyssey about 4 months ago. We love everything about it. When we bought, there was a very minimal price difference between new and 2-3 years old. Follow the advice on the new car buying threads and you should get a good deal.
by RDB
Tue May 19, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4491

Re: Questioning a Dentist?

Also a dentist. I have seen this many times with new patients and even with patients of my partners and associates. But, for every time I encounter a new patient where I they may have been "over-diagnosed", there are probably five that have missed work that needs to be done. I hear so many...
by RDB
Tue Mar 24, 2015 6:55 am
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 11264

Re: Fish from Costco?

I thought their frozen Halibut was very good.
by RDB
Fri Feb 13, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2764

Re: Time to finally purchase nice bedding - thoughts?

Macy's has big sales all the time. Just wait for a 50% off sale and buy what you want. We have the Hotel Collection sheets, pillowcases, etc. We have had them for 3 years and they have been great. We also bought Charter Club down comforters and pillows from Macys (at 50% off). They have been great.
by RDB
Thu Oct 23, 2014 3:25 pm
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 698

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
Wed Aug 13, 2014 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1711

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
Tue Aug 12, 2014 9:21 am
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 3907

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 8:08 am
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 616

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 05, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 4653

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 4:18 pm
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 4653

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
Thu Jul 24, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 11960

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
Tue Jul 22, 2014 8:05 am
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 16691

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
Fri Jun 20, 2014 10:58 am
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 5053

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
Wed May 14, 2014 12:35 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 36
Views: 5305

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
Tue Apr 22, 2014 11:19 am
Forum: Personal Consumer Issues
Topic: Lawn care - fertilizer
Replies: 12
Views: 928

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
Fri Apr 18, 2014 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to clean up personal finance
Replies: 17
Views: 2120

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 11, 2014 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 2039

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 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 2039

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
Thu Apr 03, 2014 7:48 am
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 4127

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 Mar 20, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 2990

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
Wed Mar 05, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2609

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 8:39 pm
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2609

Re: California getaway

Just saw Jazztonights post, my bad. We are planning on choosing just one destination!
by RDB
Wed Mar 05, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2609

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 7:33 am
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2609

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
Tue Feb 04, 2014 8:21 am
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 6009

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
Sun Jan 26, 2014 4:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Twin Cities Meeting
Replies: 6
Views: 1071

Re: Twin Cities Meeting

How do you get on the list to get these announcements?
by RDB
Sun Jan 26, 2014 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2232

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
Thu Jan 09, 2014 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2947

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 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2947

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
Fri Jan 03, 2014 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 19
Views: 1392

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
Thu Jan 02, 2014 9:41 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 19521

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

I am going with 2051.
by RDB
Mon Dec 30, 2013 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 24612

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
Thu Dec 12, 2013 4:22 pm
Forum: Personal Consumer Issues
Topic: Knock on my Door at 11pm
Replies: 24
Views: 2451

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 1:00 pm
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1764

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...

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