Search found 97 matches

by RDB
Tue Dec 06, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 71
Views: 5694

Re: Men's Fashion - Best Bang for Buck

J. Crew is my go to, fits me well (tall, thin), decent quality, reasonably priced, always on sale. I cannot tell you the last time I have paid full price, they always have 30% off sales.
by RDB
Thu Oct 27, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 918

Re: Setting up the best 401k possible

I just went through this process. The absolute cheapest options are Guideline 401k and Employee Fiduciary. We actually went with paychex after a thorough review. We use them for payroll so there is a direct integration, which with weekly payroll and hourly employees is a big benefit. Also, I do not...
by RDB
Thu Oct 27, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 918

Re: Setting up the best 401k possible

As has been mentioned there are far more things to consider than just investment options. You mentioned that you do not have non-elective employer contributions. Most people refer to this as profit sharing even though for most companies it has nothing to do with profits. Do you have employer matchi...
by RDB
Thu Oct 27, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 918

Re: Setting up the best 401k possible

Ideal for whom? It sounds like it would be trivially simple to improve on your current plan, but if you are trying to create the 'ideal' plan you need to think about who you are serving. What types of investors are your employees - maybe they would benefit from an advisor maybe they wouldn't, maybe...
by RDB
Wed Oct 26, 2016 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 918

Re: Setting up the best 401k possible

Thanks for the quick responses. I did not realize vanguard offered a small business 401k. I will have to investigate the details. As far as the advisor, I do not honestly know if it is needed or not? I am certainly comfortable with diy investing, but I do not think all of our employees are. I am not...
by RDB
Wed Oct 26, 2016 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up the best 401k possible
Replies: 17
Views: 918

Setting up the best 401k possible

I am looking for advice/tips on what would be included in your ideal 401k. Short background. I, along with two partners, own a large group dental practice. We have 60 employees. Our current plan is really bad, s&p 500 index fund has 1.42% ER. The current advisor is good friends with two partners...
by RDB
Wed Sep 14, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 4122

Re: Toyota, Honda, Nissan or Chrysler Minivan?

We have a 2015 odyssey and love it. We have twin 3 year olds and a 10 month old. You probably cannot go wrong with the sienna either, we just didn't like the looks.
by RDB
Sun Jun 26, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Updated from 2015: Vehicle Suggestions with 3 Kids
Replies: 45
Views: 4500

Re: Vehicle Suggestions with 3 Kids

We had almost the exact same experience one year ago. Same trim, purchase price within a couple hundred dollars, we are extremely happy after one year. We now have three big car seats (kids are 3, 3 and 8 months).
Enjoy!
by RDB
Sun Jun 12, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3524

Re: 3 Row SUVs - Help Educate Me

With your stipulations, that vehicle does not exist. We looked, and bought an odyssey. We could not be happier. We also have a Volvo XC90 and it is useless with three kids in car seats. This is what you will run into unless you go van or suburban type vehicle.
by RDB
Sun Jun 12, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Dental treatment, reduced cost, teaching university
Replies: 15
Views: 1354

Re: Dental treatment, reduced cost, teaching university

I am a dentist who performs all aspects of implant dentistry. In general, the work done at the dental school is very good. It will, as other have said, require many extra appointments and the appointments themselves will be much longer. The cost will likely be around half that of the private practic...
by RDB
Fri May 27, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1455

Re: Car Seat for vacation car rental

We also have the padded car seat bag that was linked above. It is great and I would highly recommend it. We travel 2 times a year with kids (3,3,6 months). We rented car seats one time, they were cheap and felt unsafe. I would never do that again. They also gave me two different seats, with tangled ...
by RDB
Wed May 11, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 62
Views: 10482

Re: Comfortable Vehicle Front Seats

Another vote for Volvo. We have an 09 XC90, the seats are very comfortable. My parents have a 2013 XC90 with similar experience
by RDB
Tue Apr 12, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Kid/baby Thermometer recomendation
Replies: 9
Views: 681

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: 3541

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: 2458

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: 1221

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: 569

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: 4909

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: 6758

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: 1051

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: 2476

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: 2476

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: 2476

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: 2545

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: 2545

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: 2545

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: 2545

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: 6025

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: 4892

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: 4866

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: 59
Views: 18990

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: 3032

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: 813

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: 1819

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: 6705

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: 712

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: 5458

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: 5458

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: 14319

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: 17941

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: 5507

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: 6116

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: 1044

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: 2289

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: 2528

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: 2528

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: 4399

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: 3379

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: 2876

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: 2876

Re: California getaway

Just saw Jazztonights post, my bad. We are planning on choosing just one destination!

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