Search found 107 matches

by RDB
Thu Oct 12, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3134

Re: SUV options with 3 little kids

I will weigh in again since we now know that minivan is a for sure no. We have 3 kids (4, 4, 2). We have an Odyssey and an XC90, but it is not the current model, our third row is not great. Of the cars we looked at, I like the new XC90, Honda Pilot (do not like the exterior), and Acura MDX. I do not...
by RDB
Thu Oct 12, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3134

Re: SUV options with 3 little kids

Minivan. No question. Odyssey or Sienna. We have a 2015 Odyssey and an XC90. We looked like crazy, nothing compares to the minivan. Our kids are 4, 4, 2. The XC90 and other SUVs in that size range just do not work well with 3 car seats. The cargo space is so minimal with the 3rd row in use, and the ...
by RDB
Thu Sep 07, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 1962

Re: Vacation after minor hurricane?

We had a vacation planned last year, arriving 6 days after Matthew hit. We did not know until two days before that we would not be able to go. I am sure that was naive of us to think there was any chance, but nobody was allowed on the island to assess from my understanding. As others have said, HHI ...
by RDB
Thu Aug 24, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 29
Views: 2212

Re: Which 401k plan is better? This is for a small dental office

Check out employee fiduciary. I have a very large dental practice, we switched from a pretty brutal plan to employee fiduciary about a year ago and have been happy. Our fees are about 20% of what they were previously.
by RDB
Thu Apr 20, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1626

Re: About lawn sprinkler sytem

It has been a few years. I forget exactly what we paid, but I think between $2500-3000 for a little bit smaller yard (5 zones). We have a Rain-Bird system and it has been good, no issues. It does not seem like the rain sensor works well, or ever has, but the only reason I got it was because it is re...
by RDB
Tue Mar 21, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 6101

Re: Cost of Dental Implant

You're right that the car analogy is probably not accurate. What I was trying to convey is that not all implants are the same and there is a significant variation on how much it costs the dentist to purchase them. While you don't always get what you pay for, you will never get what you don't pay fo...
by RDB
Tue Mar 21, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 6101

Re: Cost of Dental Implant

I'm a little confused with the different kinds of "permanent implants." http://www.getdentalimplantstoday.com/Fees.htm This borders on making medical recommendations which is a no-no here, but I'll keep it generic and let LadyGeek clean up my post as needed: everyone talks about price but...
by RDB
Mon Feb 13, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 6722

Re: Kitchen cabinets

We have white cabinets with 3.5 year old twin boys, 15 month old girl, and a dog. They are five years old and look great. I do not think white is a trend, I think it is a classic look that will not be out of style at any point.
by RDB
Wed Dec 21, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 4140

Re: Quartz versus granite

We have Quartz (silestone) in our kitchen, granite in one bath, Carrara marble in one bath. If I did I all over, I would put quartz everywhere.
by RDB
Sun Dec 11, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Do you have a preferred approach to making the max Roth IRA contributions?
Replies: 30
Views: 2062

Re: Do you have a preferred approach to making the max Roth IRA contributions?

I lump sum along with HSA in January. If I had to borrow from EF to do so, I would just fund throughout the year.
by RDB
Tue Dec 06, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 8939

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: 1293

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: 1293

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: 1293

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: 1293

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: 1293

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: 5008

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: 5992

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: 4194

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: 1586

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: 1754

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: 105
Views: 17385

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: 848

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: 3937

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: 3066

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: 1330

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: 657

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: 5596

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: 7665

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: 1105

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: 2622

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: 2622

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: 2622

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: 2646

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: 2646

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: 2646

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: 2646

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: 18474

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: 5841

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: 5409

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: 29697

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: 3399

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: 859

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 ... +crocodile
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: 1936

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: 11037

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: 767

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: 6301

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: 6301

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: 17714

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: 127
Views: 21298

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...