Search found 506 matches

by Ruprecht
Mon Feb 12, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3765

Re: Warren Buffett Books

Rashen wrote:
Sun Feb 11, 2018 9:25 pm
FYI
https://www.youtube.com/watch?v=tyv9uOozi7g
Thanks for the link. That was informative.
by Ruprecht
Thu Feb 08, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4074

Re: Who has had a pool?

I see some have already mentioned the danger of children drowning in pools. I don't know what to say about that as far as "should you have a pool" but I have participated in the rescue of a near-drowning child in a pool, and I now have a very strong opinion about pool liners. If there is any chance ...
by Ruprecht
Wed Jan 31, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7861

Re: I have an overwhelming gift I'm in need of help of please.

I'd pay off your house with it and put the rest in an emergency fund. Hope this helps, Peter Agree. To me this is the only answer that makes any sense at all. There are a lot of threads on this site about "pay down the house vs. invest". I've heard all the arguments and I do understand the math, et...
by Ruprecht
Sun Jan 21, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1155

Re: 5GB iCloud storage vs 128GB iPhone

I use image capture (built into Mac) instead of Photos. I hate Apple's photos app. Image Capture does everything I used to be able to do with Microsoft Live Photo Gallery, in fact slightly better since it does a better job of knowing "which way is up" with iPhone videos and pictures. using Image Cap...
by Ruprecht
Thu Jan 18, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5295

Re: To the doctors on the forum

I am really puzzled by this comment. It feel 1000% the opposite—looking for a simple Universal Care plan. My perspective is that Health Care is a right, not a privilege. WoodSpinner :?: Universal care may very well be the best way. But I think this idea that it is a right not a privilege is just a ...
by Ruprecht
Sun Jan 14, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1348

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

I thought I didn't want an iMac, but have found it's actually just fine. It's a great monitor, which is good, and I have found a way to get around my major objection, which was my concern that my entire computer (and all its data) would be contained within the monitor. I'll be very unhappy if it cra...
by Ruprecht
Wed Jan 10, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA vs Vanguard Index Funds
Replies: 3
Views: 399

Re: TIAA vs Vanguard Index Funds

possibly relevant?

viewtopic.php?t=124287

403b/401k vs rollover IRA protection from creditors
by Ruprecht
Sat Jan 06, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5148

Re: Splitting Assets in Divorce

I don't have any personal experience with divorce, but a friend of my wife's just quit her usual job to become a divorce mediator. She went through some sort of abbreviated training program for it. I assume her services would be much cheaper than a lawyer. I would bet there are people doing that sor...
by Ruprecht
Sat Dec 30, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: NC or SC beach area summer rentals for big group
Replies: 19
Views: 1061

Re: NC or SC beach area summer rentals for big group

I don't know where you live, but if you are from an area up north where school starts in September, consider renting towards the end of August. School starts earlier in the South for the most part and all the areas are less crowded after August 15-20 or so. This is a good suggestion as far as price...
by Ruprecht
Wed Dec 20, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 23
Views: 2459

Toys R Us online order warning

My wife and I are both working Xmas day, so we celebrated early - kids opened presents, etc., a few days ago. A few days ahead of time, I ordered something from Toys R Us online, and paid for expedited shipping. I was assured that the item was in stock and the package would arrive in 1-2 business da...
by Ruprecht
Sat Dec 02, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10088

Re: Any retired boglehead doctors out there?

I have yet to meet a doc who regretted going part-time. In fact, most docs would be dramatically happier if they would just cut back to full-time. "In fact, most docs would be dramatically happier if they would just cut back to full-time." +1 Many don't have the option. I disagree. Where there's a ...
by Ruprecht
Fri Sep 29, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1314

Re: Luggage locks

I've never bothered with a luggage lock on a flight. But I recently bought a luggage lock for a slightly different reason: when I'm at a business conference, I very frequently wind up having to leave my luggage with either the hotel front desk, or in a designated location near the conference center....
by Ruprecht
Thu Sep 14, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 8575

Re: Best Lower Cost USA Cities to Live

Church. Everybody goes to church. What's more, they ask you what church you attend-- where I come from that would be seen as rude and intrusive. Bingo. High school sports events are still a big thing-- loyalty to the local team. I used to marvel at the red light bookstores in trailers -- I think th...
by Ruprecht
Thu Sep 14, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 3170

Re: Can not decide between washing machines

nativenewenglander wrote:
Thu Sep 14, 2017 6:35 pm
We purchased a Speed Queen washer and drier after our old set Bosch pair died. The repair guy said he owns Speed Queen, there are no circuit boards in these machines. Three years and no problems, we've talked to others that love them too.
We are also happy with our Speed Queen.
by Ruprecht
Tue Jul 25, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 87
Views: 10594

Re: Laptop: Windows based vs. Apple

This seemed the best old thread to resurrect for my two cents. I have only used microsoft, beginning with DOS (I actually resisted Windows 3.1, didn't like the loss of control). I built my own PC using windows XP, 9 years ago. Four HDD bays, three case fans ( I'm counting the fans pushing through th...
by Ruprecht
Thu Jan 05, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 44
Views: 17203

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

I'll add this to the database: - I have several wrinkle-free Stafford shirts that are still wrinkle-free and wearing well after years of heavy use - I made the mistake of buying several Club Room (Macy's) "wrinkle resistant" shirts on sale. Washed them and took them back the next day for a refund. F...
by Ruprecht
Mon Dec 19, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house at cost to family member - avoiding gift tax
Replies: 16
Views: 3216

Re: Selling house at cost to family member - avoiding gift tax

The market value of a house is what someone will pay for it. Not what the owners idea think it is worth. If it would be an 500k house after 200k of work, you don't own a 500k house. You own a 300k one. I fully agree.. How would I prove this is the case? Do I just get an independent appraisal?
by Ruprecht
Fri Dec 09, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house at cost to family member - avoiding gift tax
Replies: 16
Views: 3216

Selling house at cost to family member - avoiding gift tax

I am currently acting as a landlord for a family member. He has been paying me rent for over ten years, and would now like to buy the house. I want to sell it to him for only the amount of the remaining mortgage. But I also don't want to trigger a gift tax. The house is probably "worth" about twice ...
by Ruprecht
Sun Sep 11, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5191

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: 874

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: 4518

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: 1908

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: 2818

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: 11708

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: 6933

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: 4783

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: 3705

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: 5764

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: 5764

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: 1689

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: 2105

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: 12789

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: 3642

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: 165
Views: 26248

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: 165
Views: 26248

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", I lost mo...
by Ruprecht
Sun Sep 13, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Helping out my In Laws
Replies: 14
Views: 2328

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: 1658

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: 162
Views: 21606

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 tier" private school. If 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: 3933

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: 1177

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 the admiral ...
by Ruprecht
Sun Aug 18, 2013 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 1177

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: 1177

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: 395

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: 395

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 job, bu...
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: 6699

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 a job" but I d...
by Ruprecht
Mon Jul 29, 2013 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Taxable for relative
Replies: 3
Views: 460

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 me. Also, ...
by Ruprecht
Sun Jul 28, 2013 9:29 pm
Forum: Personal Consumer Issues
Topic: Family trip to Orlando. Suggestions.
Replies: 33
Views: 3034

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: 460

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: 337

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...