Search found 487 matches

by Ruprecht
Sun Sep 11, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 3894

Re: Toyota, Honda, Nissan or Chrysler Minivan?

We have a 2012 Chrysler Town and Country and (still) love it. Before you make a decision, make sure you see the way the middle row Chrysler seats fold into the floorboard, and make sure you see how all the other types remove their middle row. Then think about where you want the kids to be sitting. T...
by Ruprecht
Sun Jul 03, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: BORA BORA help, pointers, saving some $$$
Replies: 4
Views: 726

Re: BORA BORA help, pointers, saving some $$$

We saved a little bit of money compared to Bora Bora and had a great time at http://www.letahaa.com/ . We also absolutely loved http://www.villacorallina.com/en/ , but this was a much different experience. Not a full-fledged resort, just a really awesome rental property in paradise. With some mosqui...
by Ruprecht
Sun Jul 03, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3547

Re: Unexpected Medical Facility Charges - Outpatient Surgery

I know there are many medical professionals on this site. May be they will dispute or provide more insight here. This happened to a close friend of mine. His father was in the hospital for some surgery. And while he was hospitalized, he noticed that random specialist will show up for a five minute ...
by Ruprecht
Tue Apr 19, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Daughter accepted to UAB grad school. Where to live in Birmingham?
Replies: 17
Views: 1621

Re: Daughter accepted to UAB grad school. Where to live in Birmingham?

Well, I was thinking of recommending Ski Lodge apartments in Homewood, which is where I lived about 20 years ago. But then I saw this: http://blog.al.com/spotnews/2011/05/jenny_moore_taking_back_birmin.html It wasn't a perfect place to live when I was there, but it was cheap and I felt generally saf...
by Ruprecht
Fri Mar 25, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: How to purchase a car from someone on facebook and transport
Replies: 31
Views: 2466

Re: How to purchase a car from someone on facebook and transport

My concern is that you show up with $14,000 cash in your pocket, he hits you over the head with a tire iron and takes your money.
by Ruprecht
Sun Feb 21, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 10467

Re: Amazon Free Shipping Is Now $50....

I have Amazon Prime and still find it useful. But over the past year I've noticed that Amazon is definitely no longer guaranteed to have the lowest prices - in fact, at least a third of the time I've found that Amazon charges a lot more than Walmart. And sometimes more than Target. Now that Walmart ...
by Ruprecht
Mon Feb 15, 2016 6:45 am
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5420

Re: Best Car for Family of 5?

With three kids, I agree the Odyssey is a great choice, due to the middle row seating three. But with two kids, I favor (and own) the Chrysler Town and Country. Being able to fold all seats into the floorboard is a huge convenience. When the seats are in use, you get great floorboard storage where t...
by Ruprecht
Sun Feb 14, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: I am leaving too much $ on the table by retiring 1 year early?
Replies: 36
Views: 4201

Re: I am leaving too much $ on the table by retiring 1 year early?

And you can get more time. 50 bucks gets me 45 mins of not cutting the grass. 120 gets me 3 hours of not cleaning the house. 300 bucks saves me 3 hours of not shopping for a sale on a TV. 60 bucks saves me an hour doing an oil change. And so on. You would need to figure out if 12k/yr will free up 1...
by Ruprecht
Fri Jan 22, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 2994

Re: Nutritional supplements - beware

I find it curious that some of the same posters who (appropriately) chide market timers for changing their investments on a hunch, and support index investing by citing academic data proving the Efficient Market Hypothesis, et al., will simultaneously ingest various substances on a hunch, while down...
by Ruprecht
Sat Jan 16, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 50
Views: 4975

Re: Poll: Do you contribute max to tax-advantaged before 529?

My state has no tax deduction for money going into the 529, so the only benefit I can see to a 529 is that the money can grow tax-deferred while in the fund (which is obviously a good thing). Overall, I think my net worth will grow more by paying off my mortgage and any other debt than by allowing ...
by Ruprecht
Sat Jan 16, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 50
Views: 4975

Re: Poll: Do you contribute max to tax-advantaged before 529?

I max out my 403b and 457b because that's pretax money going in. I max out my tIRA because I only get one chance each year to do that. I guess the 529 is sort of the same as my tIRA, in that you can only put in so much each year, but for some reason it seems different to me--maybe it isn't(?) Anyway...
by Ruprecht
Thu Jan 14, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: Sell me on not reinvesting.
Replies: 13
Views: 1481

Re: Sell me on not reinvesting.

I've never had a taxable account, and won't until I pay down the mortgage.

When I finally do, can I set it up so that dividends and interest automatically go into a Vanguard money market fund? So that later I can use that to manually reinvest in whatever I want?
by Ruprecht
Thu Jan 14, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Invest More, or Pay Down Mortgage?
Replies: 17
Views: 1824

Re: Invest More, or Pay Down Mortgage?

I'm paying down the mortgage. The only investing I'm doing right now is into my 403b, 457b, and tIRA. In my opinion, the mortgage interest rate is irrelevant. If I had a 1% mortgage rate I would pay down the mortgage. Several reasons for that, but I have to confess that one reason is my gut feeling ...
by Ruprecht
Thu Jan 07, 2016 6:31 am
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 10956

Re: [Market] Correction...Corection...Correction

I guess I'll just keep working on paying down the mortgage.
by Ruprecht
Wed Nov 18, 2015 9:30 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 3096

Re: Shoe Orthotics

https://www.amazon.com/review/R3O2ZMU6NN2R3K/ref=cm_cr_rdp_perm Once I discovered these, I quit buying custom insoles. The problem with custom insoles is that each pair was different. The custom insoles I had were sometimes wonderful, but always eventually would wear out and need to be replaced. I g...
by Ruprecht
Thu Oct 08, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 13111

Re: What do you guys do on the side?

Play guitar in a heavy metal band. I lose a lot of money doing this, but it is very satisfying. :mrgreen: Gigs are supposed to pay, but that financially never works out. so you've confirmed what a friend of mine said when I asked how much money he had made in his rock band back when he was in his 2...
by Ruprecht
Thu Oct 08, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 13111

Re: What do you guys do on the side?

My side hustle is teaching at medical schools. It doesn't pay very well though since I am not an MD. If it makes you feel any better, I am an MD and until a little over a year ago, I taught at a medical school, in addition to my other duties as an MD. Not only did teaching "not pay well",...
by Ruprecht
Sun Sep 13, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Helping out my In Laws
Replies: 14
Views: 2158

Re: Helping out my In Laws

I'd be extremely conservative. If you get fancy with her long-term savings, she might see it like this:

https://m.youtube.com/watch?v=-DT7bX-B1Mg
by Ruprecht
Sun Aug 16, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: 457b vs. Taxable account
Replies: 18
Views: 1324

Re: 457b vs. Taxable account

What about lawsuits? Car wreck, somebody falls in your front yard, etc.... I know that 401k and 403b accounts have some degree of protection from creditors. Are 457b accounts also similarly protected? If so, that would be one consideration - to balance the risk of your company going bankrupt vs the ...
by Ruprecht
Wed Dec 25, 2013 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 15791

Re: Which Med school?

There is some value in attending a "big name" private school - i.e. Mayo, Harvard, etc. Whether that added value is "worth it" for the cost is a different question, and largely depends on individual goals. However, there will be no added value at all in attending a "middle t...
by Ruprecht
Sat Aug 24, 2013 6:46 am
Forum: Personal Consumer Issues
Topic: Insanity in the office kitchen/break room
Replies: 32
Views: 3623

Re: Insanity in the office kitchen/break room

You think that's insane? Recently, everyone in my office started giving names to food and drinks in the company fridge. How weird is that, right?
Yesterday I had a tuna sandwich named Kevin.
by Ruprecht
Sun Aug 18, 2013 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 1086

Re: Admiral shares questions

2.) No. It's an in-kind exchange and is not taxable. There's a caveat to this: you MUST MUST MUST click the "convert shares" button that appears next to the fund in question when you reach $10,000. I've heard of some people just selling the investor shares and investing the proceeds in th...
by Ruprecht
Sun Aug 18, 2013 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 1086

Re: Admiral shares questions

Thanks! That is very helpful information. Glad I was wrong about that.
by Ruprecht
Sun Aug 18, 2013 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 1086

Admiral shares questions

I've never had a taxable investing account before, and am a little intimidated by the differences vs. my tax-advantaged accounts. I'd be grateful for some answers to a few (simple?) questions: Regarding admiral shares: 1. I understand that you have to have a minimum of $10,000 in an account to quali...
by Ruprecht
Thu Aug 08, 2013 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: 403b transfer to new job
Replies: 3
Views: 329

Re: 403b transfer to new job

Thanks for the responses. I'd love to rollover into a traditional IRA at Vanguard, but am a bit worried about the potential difference in creditor protection between IRAs vs 403b-type plans. I'm in a fairly high-risk field as far as potential for lawsuits, so I need to take that into consideration. ...
by Ruprecht
Wed Aug 07, 2013 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: 403b transfer to new job
Replies: 3
Views: 329

403b transfer to new job

If you switch jobs, I understand you can transfer your 403b from the old job to the new job. Is that something you could choose not to do initially, and then later change your mind and transfer? Or is this an opportunity that only comes along once? Scenario would be "a better 403b at the old jo...
by Ruprecht
Sun Aug 04, 2013 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Some things a teen could do to help out parents college-wise
Replies: 74
Views: 6048

Re: Some things a teen could do to help out parents college-

I disagree with the "get a job" advice. You're not going to make enough money to matter, because you have nothing to offer right now. That's the truth. What you can do is apply yourself in a major way to make sure that you will finish college with real career prospects. I did not "get...
by Ruprecht
Mon Jul 29, 2013 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Taxable for relative
Replies: 3
Views: 354

Re: Taxable for relative

Thanks for the responses. If anyone else has ideas, I'd love to hear those also. Some answers to LAlearning, and a couple new questions: I'm basically a living emergency fund, so that's currently "taken care of". I'd just like to help him build long-term savings that will be separate from ...
by Ruprecht
Sun Jul 28, 2013 9:29 pm
Forum: Personal Consumer Issues
Topic: Family trip to Orlando. Suggestions.
Replies: 33
Views: 2685

Re: Family trip to Orlando. Suggestions.

Consider this on your trip to Miami: http://www.butterflyworld.com/ . We went there about 14 years ago, and it was great. Butterflies and hummingbirds were the main attraction then. I don't know how much they've added over the years, but it would be worth a visit even if it hasn't changed at all sin...
by Ruprecht
Sat Jul 27, 2013 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable for relative
Replies: 3
Views: 354

Taxable for relative

My 30+ yrs younger brother is intermittently employed. When he is, he contributes to a Roth IRA through Vanguard - no 401k or 403b with his kind of work, unfortunately. When he's not working (and this year looks to be another), he's not able to contribute to an IRA due to the IRS rules, and also doe...
by Ruprecht
Wed Jul 17, 2013 8:47 am
Forum: Investing - Help with Personal Investments
Topic: 457b withdrawal - taxes vs corporate bankruptcy
Replies: 2
Views: 280

457b withdrawal - taxes vs corporate bankruptcy

I have some savings in a 457b at my work. This is in addition to my 403b and 401a. The amount in my 457b is a significant amount by my standards (to me, 20 bucks is 20 bucks - I'm not just a Boglehead, I'm a tightwad, too). However, as a percentage of my overall savings and by most of you guys' stan...
by Ruprecht
Fri May 03, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: Dow surpasses 15000
Replies: 32
Views: 3156

Re: Dow surpasses 15000

Image
by Ruprecht
Wed Apr 11, 2012 2:54 pm
Forum: Personal Consumer Issues
Topic: SAT tutor vs. self study
Replies: 22
Views: 1171

Re: SAT tutor vs. self study

Also of note: My daughter did much better on the ACT...her ACT score is said to translate into an SAT score that was about 150 points better than was actually her case. The ACT is what tipped her into the "NAME" private school I believe. I don't know what the tests are like now, but in my...
by Ruprecht
Wed Apr 11, 2012 2:46 pm
Forum: Personal Consumer Issues
Topic: SAT tutor vs. self study
Replies: 22
Views: 1171

Re: SAT tutor vs. self study

They allow calculators on the SAT now?
by Ruprecht
Thu Apr 05, 2012 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: physician side income
Replies: 83
Views: 7484

Re: Re:

mptfan wrote:The average physician makes $175,000 a year, and the average specialist makes up to $500,000 per year...


Wow, what a misuse of the concept of "average".

I guess you would also say that the average NBA player is up to 7 feet, 7 inches tall.
by Ruprecht
Mon Mar 05, 2012 9:43 am
Forum: Personal Consumer Issues
Topic: Is Tahitian over water bungalow vacation worth the price?
Replies: 90
Views: 6783

Re: Is $10k too much to spend on a honeymoon?

We spent two weeks in French Polynesia. Three days in a very expensive over-the-water bungalow here and loved it: http://www.letahaa.com/ Check your bill when leaving - front desk clerk added a false charge onto it which he planned to pocket. We got the money back. Would go back again, but will chec...
by Ruprecht
Sun Feb 26, 2012 11:47 am
Forum: Investing - Theory, News & General
Topic: Buffett letter is out...his exact words on Bonds, etc
Replies: 14
Views: 2891

Re: Buffett letter is out...his exact words on Bonds, etc

I am convinced that everything Warren Buffett now says and writes is politically motivated. I have no confidence whatsoever that any of his comments are intended to give "good advice to investors." Whether or not his advice, if followed, would be good for the nation as a whole-- well that ...
by Ruprecht
Thu Feb 23, 2012 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 9816

Re: Interesting analysis for physicians: MDs deceptive incom

At 28 when I was done with residency I made over 600k. I worked every weekend in a high paying specialty to do this. Now a few years later I don't work any weekends. I would say don't feel sorry for physicians. I went to a state medical school with cheap tuition. I made about 330k last year leaving...
by Ruprecht
Thu Feb 23, 2012 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 9816

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Thu Feb 23, 2012 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 9816

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Thu Feb 23, 2012 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 9816

Re: Interesting analysis for physicians: MDs deceptive incom

At 28 when I was done with residency I made over 600k. I worked every weekend in a high paying specialty to do this. Now a few years later I don't work any weekends. I would say don't feel sorry for physicians. I went to a state medical school with cheap tuition. I made about 330k last year leaving...
by Ruprecht
Thu Feb 23, 2012 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 9816

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Sat Feb 18, 2012 3:54 pm
Forum: Investing - Theory, News & General
Topic: Conspiracy of the Rich, How much should I be worried?
Replies: 34
Views: 3610

Re: Conspiracy of the Rich, How much should I be worried?

Valuethinker wrote:Man came from Africa. Africans are in some sense, what we all once were.


Dude, I would seriously consider rephrasing that.
by Ruprecht
Thu Feb 02, 2012 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience with Carmax?
Replies: 50
Views: 12394

Re: Anyone with experience with Carmax?

I sold a car to Carmax 6 or 7 years ago. My experience with them was mediocre. They low-balled me on the price, and the whole process was more time-consuming than I expected. Not a terrible experience, but considerably less rosy than some of the above posters'.
by Ruprecht
Wed Jan 18, 2012 9:25 am
Forum: Personal Consumer Issues
Topic: Tithe 10% of Gross?
Replies: 102
Views: 6768

Re: Tithe 10% of Gross?

One other thing, if you do tithe, I suggest you do so from a taxable account. If you lose money on the investment, you sell it and then give the money to charity, claiming the loss on your taxes. If you make money on the investment, donate it directly, get your full tax deduction, and avoid the cap...

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