Search found 204 matches

by Radjob4me
Thu Sep 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 22885

Re: Name something you had to have and now you regret purchasing it?

My house. Lol. It's too big. My regret too. Although I am fairly sure we will get our money back, it is huge at over 6000 sq ft and costs a fortune in utilities/property taxes and is a ton of maintenance (yes, regret 1A is that we also put in a pool that now doesn't get used by our teens.) We keep ...
by Radjob4me
Thu Sep 21, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 36
Views: 2635

Re: Memory Foam Mattress Recomendations

Also consider any activities that may take place in your bed aside from sleeping. :mrgreen: This is something to consider for the amorous types. We have had both spring and foam mattresses (no hybrid yet). The foam ones can really be, well, not as much fun. I mean we aren't crazy, and both within a...
by Radjob4me
Thu Sep 21, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 3748

Re: Uplifted Driveway = No Home Owners Policy ?!

Why not just go back to your original company/policy? Yes it is more expensive, but then you don;t have to pay to fix the problem that you don't want to fix. I'm not surprised at all the the company with a policy cheaper by $1000 will want things fixed or to code, etc. before insuring. At lest get c...
by Radjob4me
Sat Jul 22, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3670

Re: Healthiest Beer for the Buck

IF GMO is a concern, then I don't know that the German purity law Reinheitsgebot will save you from that. Whose to say the German brewers aren't using GMO barley? Or GMO hops? And most beers generally fall into the category of barley, hops, yeast and water. And those that don't often just have other...
by Radjob4me
Sun Jun 25, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 3823

Re: Robots Are Eating Money Managers’ Lunch

I see this taking the form of most innovations in finance. The algorithms are still written by humans. And humans are still collecting the fees at the end of the day. So let's say Betterment's algorithm beats Wealthfront across the board this year. So now they up their fees a bit and bring in more i...
by Radjob4me
Fri May 19, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14110

Re: For those with $500k-$1m in investments...

10% taxable (checking/taxable investments)
90% tax-advantaged (IRA/401k and 529s)

We are trying to grow our taxable for both unexpected college costs for kids beyond 529s and for use when I plan to semi-retire in the 55ish range - about 12 years from now.
by Radjob4me
Fri May 19, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Additional Tax Savings for Employed High Earner?
Replies: 9
Views: 783

Re: Additional Tax Savings for Employed High Earner?

Agree with seeing if you can roll your IRA into your 401k in order to start the backdoor Roth. Honestly, at your salary and current savings rate, you could consider taking the tax hit and converting the whole 200k into a Roth IRA, although you would have to run some math to see if it would be worth ...
by Radjob4me
Tue May 16, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Cheshire County New Hampshire: Which town for retirement?
Replies: 14
Views: 1709

Re: Cheshire County New Hampshire: Which town for retirement?

I can only provide some cursory info. Keene, NH is the epicenter of the county, a small college town, so a bit more active than the remaining towns, most of which are fairly rural. Hard to give more recommendations without additional info, depending on whether you want to be in a town, semi-rural or...
by Radjob4me
Mon May 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 4575

Re: Do I have a problem in the backyard in need of a professional?

Add me to the list of native New Englanders who have never seen or heard of this before.
by Radjob4me
Thu Apr 13, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds
Replies: 18
Views: 2416

Re: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds

Just ask for the part about beating the SP by 3% in writing - if they will guarantee that after fees forever, then they have a deal! I'll sign up too...
by Radjob4me
Sat Apr 08, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3810

Re: 36yo looking for feedback

Lobster, Radjob, It is a total LACK OF non-retirement assets. Since early retirement has only recently been on my mind, I have done absolutely no planning for that, hence some of my questions. Why is taxable needed in addition to 72t? Is it just that I need more assets total (agree) or more flexibi...
by Radjob4me
Sat Apr 08, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3810

Re: 36yo looking for feedback

In terms of the early retirement, the thing that jumps out at me is the lack information about (or maybe just plain lack of) non-retirement account assets given your young age. You have about 500k in retirement accounts which is awesome. But if you are going to retire early I would suggest you start...
by Radjob4me
Sat Apr 08, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeking Alternate Guidance on Portfolio
Replies: 20
Views: 1749

Re: New Boglehead Seeking Alternate Guidance on Portfolio

Just a few quick thoughts. First kudos on getting out of Edwards Jones - that combination of number of funds and expenses is crazy... And I can't imagine what the managements fees on top were like Given the distribution you propose, I would make it even simpler and just go with the Total Stock Marke...
by Radjob4me
Thu Apr 06, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3578

Re: STEM & "coding" toys for little ones ?

As a parent (physician) with three teens, I would distill the above advice down to - just let your boys be boys. Let them play, read to them (have them read to you), let them explore (if possible based on where you live). There is so much "science" in everything around you - kids at that a...
by Radjob4me
Tue Apr 04, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 5302

Re: Spring Break Trip to Disney World

Whoa. Some stuff getting a bit off topic I see. BTW, I had a physician partner - no kids - and he and his wife would go to Disney three times a year and loved it - its not just for families. We (family of five with kids now 17,16 and 14) have just done it last minute and had fun. Been to Orlando may...
by Radjob4me
Sun Apr 02, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 22608

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

So best small fast-food burger chain burger (maybe too small for this discussion?) I've ever had was Teddy's Bigger Burger based in Hawaii. They have like 20 shops scattered around Hawaii, mainland US and Japan. But man I had a teriyaki burger with grilled pineapple and bacon that I still dream abou...
by Radjob4me
Sat Apr 01, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529 plans in two states to avoid maximum aggregate limits
Replies: 15
Views: 1159

Re: Opening 529 plans in two states to avoid maximum aggregate limits

Whoa. I have a few questions - first, how old is your child and do you have just one? And where did you see that 4 years of college would cost $568k? Assuming that you still have, lets say 10 years, before college - there are many things that can happen between now and then. You child may become a g...
by Radjob4me
Sun Mar 12, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20821

Re: gratuitous homeownership items

Pools - oh man - pools. We have built not one, but two pools. At two different houses but in the same town. The pool guys love us! This was before my more frugal and money saving days. However, like most of the time - when our kids we small, it was great. Now, our kids barely use it. We have a few n...
by Radjob4me
Sun Feb 12, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: FUSVX automatic reinvestment possible at Fidelity?
Replies: 17
Views: 1049

Re: FUSVX automatic reinvestment possible at Fidelity?

I've been with Fidelity for years. Sounds like the rep was wrong, or maybe didn't know exactly what you were asking. Agreeing with one other recent post, FUSVX and all of my other fidelity index funds reinvest dividend and capital gains automatically and that is the default. It is actually in their ...
by Radjob4me
Sun Feb 12, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 7688

Re: Terrible negotiator - need help with words to use [Buying a car]

I'm with the two posters who think you have a perfectly good deal as it is. Why not just take it and be happy? Life is too short to get exercised at this point. Count me in this group also. Sounds like you really like that particular car and want that one, OP. Buy it! Does it really matter if you g...
by Radjob4me
Sat Feb 11, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3888

Re: Cost of tax preparation

I always did my own taxes on TaxCut or Turbo Tax until about 3 years ago when I started working in a neighboring state as an employee, but still also have an independent contractor job in my state of residence. I thought I was paying a lot at about $800 a year for my accountant, but I guess that rat...
by Radjob4me
Sat Jan 28, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: Is exchanging FSIVX for FTIPX considered a wash?
Replies: 15
Views: 1408

Re: Is exchanging FSIVX for FTIPX considered a wash?

Well, not too helpful to decide if it will be a wash sale before you do it.... But I made a wash sale by mistake in 2016 in my taxable account at Fidelity and they flagged it and calculated the change in my tax loss. Although I felt dumb about it, it was at least very easy as they took care of all t...
by Radjob4me
Sat Jan 28, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is it like to be wealthy?
Replies: 7
Views: 1996

Re: What is it like to be wealthy?

I hope you get some interesting responses. It is going to be hard to quantify. I am a physician in my early 40s with a NW of about 2.3 million. I am very wealthy compared to my parents at the same age, many of our friends and lots of locals. But not 0.1% wealthy or even close to some on these boards...
by Radjob4me
Tue Jan 24, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Blindly following expert picks
Replies: 20
Views: 1828

Re: Blindly following expert picks

How timely. I was just reading a really fascinating take on investing and luck. Since you are mulling over how to beat the market and using some variant of market timing by copying "respected" or "successful" funds and their trades, read this article. As I have gotten into the BH...
by Radjob4me
Tue Jan 24, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 31
Views: 7315

Re: Any engineers? Studying for Civil-Structural PE

This has been an interesting read. As a physician, very familiar with testing and ongoing professional education, I honestly didn't know that there were certifying exams for Engineers. Is this an optional exam or required in some states or by some companies? And also somewhat interesting that it is ...
by Radjob4me
Mon Jan 23, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from Fidelity 401K choices to lower cost funds/ETFs
Replies: 15
Views: 959

Re: Moving away from Fidelity 401K choices to lower cost funds/ETFs

Ha, the three posts right above this say all you need to know. You do have some really great low cost choices. From your original post, are you getting charged extra fees above and beyond the ER's of the fund themselves - i.e. are you getting charged a mangement fee of some kind?
by Radjob4me
Sun Jan 15, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Online legal service/form - simple will?
Replies: 12
Views: 1112

Re: Online legal service/form - simple will?

I used LegacyWriter m Can you give a ballpark of the cost? And did you have a local lawyer look at it - it states that is one of the options? And to answer some prior concerns, our children are older but not yet 18. And we have not decided if we are doing this online or with a local lawyer, but rat...
by Radjob4me
Sun Jan 15, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Online legal service/form - simple will?
Replies: 12
Views: 1112

Online legal service/form - simple will?

Anyone use online forms or service to create a simple will (we are in MA)? For no good reason my wife and I have not made one, and with kids and a reasonable amount of wealth, it is a goal to get this done soon. We have don't have a complex situation at this point and no regular contact with any law...
by Radjob4me
Tue Jan 10, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Accident in new car - questions
Replies: 16
Views: 2317

Re: Accident in new car - questions

Update - my insurance company totaled my essentially new car - and I ended up getting a check for about $400 less, even after my deductible, than I paid for the car. So I got 7500 miles of driving a new car for $400. That's one way to avoid steep depreciation on a new car!
by Radjob4me
Tue Jan 10, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6929

Re: I am timing the market. Why am I wrong?

Another way to look at market timing: m Absolutely! I honestly think this is the article that finally got me to latch on to a steady approach investing for the long term. I was reading through the whole thread and surprised it hadn't been posted yet. OP - I feel what you are going through. I am in ...
by Radjob4me
Tue Jan 10, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 4603

Re: Weight machine vs free weight

I would suggest starting out by getting a decent set of dumbbells or kettle balls or the like. I personally like the adjustable dumbbells since they are easy to store. Mine go from 5-25 pounds each and were pretty cheap and are good for free weight upper body workouts (albeit not great if you are su...
by Radjob4me
Mon Jan 09, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 65
Views: 8778

Re: 1987 stlye crash on the way?

Since the article was such fluff, it had no numbers and I had to look it up. Dow closed at 15,521 on 7/29/2013. So has gone up about 28% since the article was written.
by Radjob4me
Sun Jan 08, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 6347

Re: Getting rid of mice

We have had mice for years, as we have an older, rambling home with a large basement. Activity has decreased over time as we have done sealing as much as possible, but eventually settled on snap traps as the way to go. They are fairly cheap and set them with peanut butter as others have shared. I pu...
by Radjob4me
Sat Jan 07, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 4991

Re: 8.5% for 2016. Can I do better????

I am a similar age and also 70/30 in stocks/bonds. While my stocks are all in index funds, I personally have used fidelity Total bond (FTBFX, it's managed - ER 0.45%) with slightly better returns even after ER fees. Something to consider. But of course this would not give outsized gains over what yo...
by Radjob4me
Fri Dec 23, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Analyzing schools for an advanced child
Replies: 65
Views: 4903

Re: Analyzing schools for an advanced child

I figure kids have enough stress these days anyway, it's wouldn't be the end of the world if my daughter is able to coast through K-12 with good grades. I am on board with this sentiment to a degree. My wife and I (I am a physician) chose a nice area with decent public schools, but not he best in o...
by Radjob4me
Fri Dec 23, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Rush to pay off 0% Auto Loan?
Replies: 44
Views: 5345

Re: Rush to pay off 0% Auto Loan?

Yes, only reason is purely psychological if you want to have that title in your hand and zero debt. You would free up monthly cash flow at the expense of decreasing your actual cash... You aren't savings anything by paying off a 0% loan. By my calcuations, you owe 14280 on your loan. You could at le...
by Radjob4me
Thu Dec 22, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding 529 Mistake
Replies: 6
Views: 1362

Re: Superfunding 529 Mistake

The $140k limit over 5 years is per child, not per family (14k per year gift per child per parent = 14k x 2 parents x 5 years). So for your two kids you could do up to 280k over 5 years - not sure you'd be worrying about college costs if you could do that So you are totally fine with your daughter -...
by Radjob4me
Thu Dec 22, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Conversion - Money has grown before transfer
Replies: 14
Views: 1222

Re: Backdoor Roth Conversion - Money has grown before transfer

If I were you, I would just convert now and pay the taxes. I say this because you probably want to do the backdoor in 2017 and going forward as long as you can - so I would just clear it out for a clean slate in 2017. As you pointed out, just tax the $350 hit and be happy your accounts went up $2200...
by Radjob4me
Thu Dec 22, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse can contribute to my Roth IRA and Rollover IRA?
Replies: 11
Views: 820

Re: Spouse can contribute to my Roth IRA and Rollover IRA?

I was reading though this and thought the answers seemed a bit confusing - maybe that's just me, but wanted to add my two cents. The main point is that your "rollover" IRA is simply a traditional IRA into which you "rolled" a 401k or similar plan - it does not still function as ...
by Radjob4me
Thu Dec 22, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse can contribute to my Roth IRA and Rollover IRA?
Replies: 11
Views: 820

Re: Spouse can contribute to my Roth IRA and Rollover IRA?

I was reading though this and thought the answers seemed a bit confusing - maybe that's just me, but wanted to add my two cents. The main point is that your "rollover" IRA is simply a traditional IRA into which you "rolled" a 401k or similar plan - it does not still function as a...
by Radjob4me
Wed Dec 21, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 2112

Re: 16 yo, first book on investing

My teens sons do not love to read but they both liked: Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live By. Written by Cary Siegel Really to the point with a page or two about each of the 99 things - more of an overall personal finance book rather than invest...
by Radjob4me
Tue Dec 20, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How To? - 529 vs Taxable Analysis
Replies: 22
Views: 1298

Re: How To? - 529 vs Taxable Analysis

I think the biggest point I would share is that 529 plans don't really "lock up your money" per se. You can take out the basis contributions without penalty if you needed access. No, you can't. It's only the Roth IRA that lets you do that. When you pull out money from a 529, you pull out ...
by Radjob4me
Tue Dec 20, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Massachusetts Fidelity 529 Education Account
Replies: 4
Views: 431

Re: Massachusetts Fidelity 529 Education Account

Second using the 2033 age based and then forget it. I wish I had done the age-based portfolio in my 529s that last 15 years. I did fine with my personal mix, but not as well as the age-based the plan offered.
by Radjob4me
Tue Dec 20, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale gain and loss and replacement
Replies: 8
Views: 693

Re: Wash Sale gain and loss and replacment

Hmm. Interesting. I'd be curious if the math really works in your favor by resetting the basis, given the complexity you describe - including "harvesting short term losses year round" and not letting things go long term. Very much sounds like market timing to a degree. Doesn't this cost yo...
by Radjob4me
Tue Dec 20, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: How To? - 529 vs Taxable Analysis
Replies: 22
Views: 1298

Re: How To? - 529 vs Taxable Analysis

I think the biggest point I would share is that 529 plans don't really "lock up your money" per se. You can take out the basis contributions without penalty if you needed access. As other shared, only the gains would be taxable and penalized if you took them out for something other than sc...
by Radjob4me
Tue Dec 20, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale gain and loss and replacement
Replies: 8
Views: 693

Re: Wash Sale gain and loss and replacment

I'm confused as to why you would want to harvest a loss on the long term shares, but then sell to create a short-term gain to "offset" your short term losses. By wanting to rebuy the shares, why not just sell the 100 and keep the 500? Why wouldn't you want to have as much loss harvested as...
by Radjob4me
Tue Dec 20, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter starting out - options for retirement planning
Replies: 21
Views: 1993

Re: Daughter starting out - options for retirement planning

I'd agree with the Roth IRA suggestion for her. I would not open something like a solo 401k which is very restrictive in terms of accessing the money. We contribute to a Roth for our teens - almost like a company "match", as in we are happy they are working and want to incentivize that. We...
by Radjob4me
Tue Dec 20, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 16627

Re: How old is your vehicle?

2017 Volvo S60 AWD - 1.1k miles - Oh, man I love it. Totally loaded. Hope to drive it for many, many miles

2012 Honda Odyssey - 65k miles - wife
2011 Volvo XC60 - 72k miles - teens
by Radjob4me
Tue Dec 20, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: My ROTH IRA- A few cents over the limit
Replies: 5
Views: 855

Re: My ROTH IRA- A few cents over the limit

Yes, that 6 cents can be rounded down to 6500 for tax purposes. I think that happens to alot of us who do the backdoor conversion from an otherwise empty tIRA.
by Radjob4me
Fri Dec 16, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity 3 funds
Replies: 9
Views: 1867

Re: Vanguard or Fidelity 3 funds

BTW, Fidelity does offer 80-ish iShare ETFs with no transaction fees to compete with Vanguard. So again, it is really only if the are particular funds beyond the basic 3 fund portfolio that you like at one place of the other. Fidelity has really seized on a portion of the Vanguard model the last few...