Search found 242 matches

by blueman457
Mon Aug 21, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 2912

Re: Lastpass anyone use it?

I use it with 2 factor authentication. But I don't use it to storing banking and other sensitive passwords. Their encryption is strong but there can be flaws in their browser extension (as noted last year) that can compromise the security.

Blue man
by blueman457
Sun Aug 20, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 47
Views: 3083

Re: Kitchen knife set. Good quality - Recommendations

We've had a Wusthof Classic set for > 10 years. We've used all the knives, but if you're going to get one all purpose knife, I'd get the Santoku.
by blueman457
Thu Aug 17, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 10569

Re: Is it worth it? [demanding jobs vs time with family]

Wife and I are both relatively high income (although not necessarily by BH standards) and this topic has come up and we're still sorting out how it works. Right now we're trying to manufacture time and some of the ideas we've gotten (similar to previous posters): Some of the things we've thought of ...
by blueman457
Tue Aug 15, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6536

Re: Is $9000 too much for a sectional sofa ?

What's the next best option?

I'm not a sectional person per se, but $9000 on customized high quality furniture does not sound outrageous to me. Assuming all your other financial ducks are in a row and you've thought through other options, go for it.

Blue Man
by blueman457
Sun Aug 06, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 818

Re: Using a VPN for mobile internet

I use a VPN with my iPhone when connecting to public wifi site. I haven't noticed any data consumption issues when using it domestically or abroad. I use TunnelBear which works pretty well (500mb free monthly) and is designed for the non-techie.

Blue Man
by blueman457
Sun Jul 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 1884

Re: Looking for a single speed commuter bike, less than $400?

OP here: thanks for the info so far. I'm ok with used bikes (would actually prefer as it would be cheaper), but as I'm scanning craigslist I'm still unsure which brands to look for per se. I've looked at Trek Civic City Brooklyn Bicycle Company ZF bikes and a few others Maintenance wise, I've been t...
by blueman457
Sat Jul 29, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 1884

Looking for a single speed commuter bike, less than $400?

I'm looking into biking into work a couple of days a week and need recommendations on brands or specific models to look at. My work is only about 5 miles away and on relatively flat land. I've done some internet searches and I'm looking for a single speed bike, NOT a fixie (although I'm ok with fixi...
by blueman457
Wed Jul 26, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Paypal Question
Replies: 9
Views: 744

Re: Paypal Question

Ah... cash gift cards, I learned my lesson before and will probably never buy one again because of the logistics of using the exact amount. I would recommend finding a retailer that you commonly use (groceries, gas, amazon.com, etc...) and see if they take paypal. Then buy a $250 gift card from that...
by blueman457
Sat Jul 22, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a non-government 457b?
Replies: 2
Views: 284

Re: How to use a non-government 457b?

One of the key questions to answer is how are distributions handled? As pointed out by this current thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=223986&newpost=3460852 distribution options for non-government 457 vary from plan to plan. If you have a take a lump for distributi...
by blueman457
Sat Jul 22, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 457b distribution
Replies: 9
Views: 646

Re: Advice for 457b distribution

How far are you from retirement? Is the company reliable enough for you to defer until retirement?

Blueman
by blueman457
Thu Jul 13, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Tipping packers/ movers for long haul move
Replies: 2
Views: 400

Re: Tipping packers/ movers for long haul move

I moved a couple of months ago and had the same question. After some internet searching and asking around, we ended up tipping $5-10/per hour per person. This was in New York City so prices might be more inflated.

Good luck on the move.

Blue Man
by blueman457
Mon Jun 26, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2194

Re: Worth it to attempt repair on A/C condenser?

Sometimes happy wife --> happy life.
by blueman457
Wed Jun 21, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 281

Re: Need help building TSM with Blackrock funds

Forgot to search the wiki.... Thanks all.

Blue Man
by blueman457
Wed Jun 21, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 281

Need help building TSM with Blackrock funds

I'm trying to mimic Total Stock Market with my wife's retirement plan options - what is the appropriate ratio if I'm using the below funds? I searched for previous answers, but couldn't find one specific to my question. BlackRock Equity Index (S&P 500 index) Black Rock Mid-Cap (S&P 400 Mid-c...
by blueman457
Sun Jun 18, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 478

Re: TIAA Traditional Annuity - New 401a/403b option

Yes to replacing a bond fund. You'll need the liquid version to rebalance into stocks when the next crash comes. Yes also to the 3.5% question for today's contribution. As time goes on, TIAA tends to bunch vintages into multi-year spans as you see with 06 to 09. But the rates on older vintages tend...
by blueman457
Sun Jun 18, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6593

Re: So sick of it! [Paying off student loans]

I am in a similar situation (student loans $60k+, at 2.75% variable) with the same frustrations. After getting some advice on this forum, I've decided to wait 6 months until figuring out what I want to do (I'm trying to build up a down payment as well).

Good luck,

Blue Man
by blueman457
Fri Jun 16, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 2242

Re: USAA opinions. Worth it?

I currently have banking/insurance with them. -Banking: a few checking accounts, pretty typical interface. Nothing significant. I've always had good customer service unlike Bank of America, Chase, etc... HOWEVER, I still keep a checking account with Chase money orders, significant cash deposits, not...
by blueman457
Fri Jun 16, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 478

TIAA Traditional Annuity - New 401a/403b option

I discovered today that my new employer has a TIAA Traditional Annuity - Retirement Choice Plus Annuity as an option in my 401a/403b. Question: can it replace a bond fund? I have searched and read previous posts on this and called TIAA today. It is illiquid in my 401a (7 year payout should I leave),...
by blueman457
Thu Jun 15, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4269

Re: Best Cheap Champagne

Leemiller wrote:Veuve clicquot.


+1

Specifically: Veuve clicquot - Yellow Label.
by blueman457
Wed Jun 14, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 29
Views: 4132

Re: Am I too far into the rabbit hole? (email with Gmail)

I moved on from gmail a few years ago, for similar reasons (using fastmail.com - excellent service). Will it really matter to google? Probably not, but it's one less person to mine data from. It's like voting in a landslide election, will it matter? Probably not, but you made your voice heard. Blue ...
by blueman457
Tue Jun 13, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 1620

Re: Multi-page scanner?

iPhone and Scanner Pro (by Readdle) app; more versitle with qualtity just as good as my MFP scanner which I rarely use anymore. Are your page scans straight ? And what about shadows ? Even for check scans, I find using a smartphone very tedious. I prefer to use my scanner for those too. My credit u...
by blueman457
Sat Jun 10, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2049

Re: Best way to book multi-city international airfare itinerary?

I have looked at doing something like this before, 2 separate itineraries for an international flight, and the conclusion I got (from calling and internet forums) was that the airline will not honor that a missed connection and automatically re-book. I cannot remember what airline it was. Options: 1...
by blueman457
Fri Jun 09, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4839

Re: (Very) Early Retirement vs Parenthood

33 years old? You've got time to think about it. Seriously. No rush.

Enjoy life.

Blue Man

P.S. I do have an infant child, and yes it changes your life... for many people better, for many people worse.
by blueman457
Wed Jun 07, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3696

Re: Suit for residency interviews

Good dark colored- fitted suit and relatively conservative tie (I'm assuming you're a male), and that's about it. I've gone to Men's Wearhouse, Macy's, and higher end as I've gone up the pay scale. Just make sure it gets fitted/tailored because you'll probably wear the suit to other occasions so you...
by blueman457
Tue Jun 06, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 713

Re: Ibonds in Roth

Ibonds are state/local tax exempt and federal taxes can be deferred until they are cashed in. It not that advantageous to put iBonds in a Roth IRA; you may want to consider other bonds if you need bonds in your Roth. However stocks and other higher earning investments are considered a better choice ...
by blueman457
Sat Jun 03, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4183

Re: Need new Router/Wifi Networking Ideas

I ended up finding a cheap apple airport to extend my network. I want to upgrade my router/NAS/backup/sync at some point in the next 12 months so I don't want to spend a lot of money on a mesh network until I figured out what I wanted to do.

Thanks,

Blue Man
by blueman457
Fri Jun 02, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using onelogin change their passwords NOW
Replies: 2
Views: 460

Re: Anyone using onelogin change their passwords NOW

That's no good.

Question: why was there even a feature to allow for server side decryption of the passwords?!?!?
by blueman457
Tue May 30, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3747

Re: Using LastPass to Manage Passwords

When it comes to passwords, I've been old-fashioned, in that I have all my passwords written on a piece of paper and hidden in a safe location. I'm starting to think that the "invent my own password and manually type in" method may not be the most secure. My main concern is financial acco...
by blueman457
Tue May 30, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Maximize tax-efficient accounts before debt payment?
Replies: 22
Views: 1670

Re: Maximize tax-efficient accounts before debt payment?

If you are absolutely committed to living like a resident (well, you kind of have to), then maximize your contributions to your tax-advantaged account, refinance your loans, then pay them off in 4 years. Just stay absolutely disciplined- have some of your direct deposit go directly to your loans so ...
by blueman457
Mon May 29, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 55
Views: 7223

Re: Career Issue -- How do I recover?

Good to know things worked out in the end.
by blueman457
Mon May 29, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6871

Re: Cell phone service abroad

Now, so that this semi-rant is at least partially actionable, let me ask: has anyone had success using a Samsung phone in Jamaica with a Digicel SIM? DW and I have a trip there upcoming in the fall, and I think I'll forego trying T-Mobile again. Here's our actionable suggestion (our entire family a...
by blueman457
Mon May 29, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Pay Debt or invest with my Unique situation. Help!
Replies: 23
Views: 2137

Re: Pay Debt or invest with my Unique situation. Help!

Not knowing the entire story, I generically recommend contribute to get match, then aggressively pay off your student loans. However, have you considered refinancing your loans to a lower rate? This may allow you to fully contribute to your retirement accounts AND pay off your student loans at a rea...
by blueman457
Sun May 28, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 10522

Re: Play Money for Spouse....

We started separate "play money" checking accounts early in our marriage. Probably 18 months in, not 18 years! $50/month each in our personal checking accounts. It could be used for personal expenses, clothes, dining out with friends, etc... no questions asked. It allowed my wife to "...
by blueman457
Sat May 27, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: The joy of Saving!
Replies: 7
Views: 1635

Re: The joy of Saving!

:thumbsup
by blueman457
Wed May 24, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 3262

Re: Advice on kid's precalc learning

Like others, not doing well in precalc doesn't be necessarily mean failure or success as a career. But math is a important skill because of the logic and arguments you need to make. Enrolling him in a coding class, or fun physics class, or some other STEM related activity might help him develop logi...
by blueman457
Wed May 24, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Government 457 options. Advice appreciated.
Replies: 5
Views: 620

Re: Government 457 options. Advice appreciated.

Not knowing anything about your desired allocation,

Vanguard total stock
Vanguard institutional

Are ones I've used in past.

Or target date fund is fine too although I think the expense ratios are a bit higher.

Blue man
by blueman457
Tue May 23, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: First attending level job but no 401k offered. What are the options?
Replies: 14
Views: 1556

Re: First attending level job but no 401k offered. What are the options?

Can you set yourself up as an independent contractor in the group and set up your own retirement plan? WhiteCoat Investor as a post about his setup.

Blue Man
by blueman457
Tue May 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1221

Re: Starting a 529 with no children on the horizon?

Do you have a home? Do you need to save for a down payment? Loans paid off?

Any other liabilities?
by blueman457
Mon May 22, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 5262

Re: Risks of electronic access

There are a few private email options, I use fastmail which costs me $40/year. No ads. There is a free version.

In terms of SECURE email options for individuals; there's probably only proton mail. Your inbox is encrypted, so if you forget your password, they can't help you either.

Blue Man
by blueman457
Sun May 21, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 5262

Re: Risks of electronic access

Unfortunately I think the bigger risk is the direct hacking of the financial institutions directly or massive phishing attacks.

Blue Man
by blueman457
Sun May 21, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4183

Re: Need new Router/Wifi Networking Ideas

I might go the mesh set up (although cyberbob I might take you up on your offer!); I've done some reading on some of the technical aspects of mesh networks. Can anyone comment on the non-google hardware? Google historically abandons a lot of their hardware projects, so I'm a bit weary of jumping int...
by blueman457
Sat May 20, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4183

Need new Router/Wifi Networking Ideas

I'm in the in market for a new router/wifi networking system: what is my best options/best product for my needs? I have an Apple Airport Express from 2012, which runs fine except that the signal doesn't extend well all the way through my new place. I cannot move the router. I'm thinking my options a...
by blueman457
Sat May 20, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529 question
Replies: 6
Views: 677

Re: 529 question

Agree with above. Tax deduction is a nice benefit but also look for plans with low fees. Make sure you're saving enough for yourself. I plan on using 529 and taxable accounts. I have thought of pre paying my mortgage early and then cash flowing college. Multiple ways to do this, just find what works...
by blueman457
Wed May 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with diversification
Replies: 9
Views: 593

Re: Help with diversification

As a resident, put into total stock market, S&P 500, target date fund, or something like that. Your first few paychecks as an attending will quickly dwarf any contributions you made as a resident. Just keep up the good habit of saving, which is the hardest thing to do. Also, stay up to date on p...
by blueman457
Tue May 16, 2017 1:12 am
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3760

Re: How to stay on a budget?

If you haven't do already, just track your expenses for 6 months. No budget, just track. Then come up with an annual budget that includes a life happens fund. Budgets are a long term tools, no weekly. But if you're trying to do weekly then you should stick to cash. The "power of habit" is ...
by blueman457
Sat May 13, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 4030

Re: How much to tip movers?

In NYC (and after talking to a mover who wasn't working for me): $5-10/hr per person is a good tip.

Blue Man
by blueman457
Sat May 13, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2830

Re: Setting a periodic transfer / Dealing with a fiscal beggar

livesoft wrote:They should meet you once a month somewhere and you give them cash.


+1
by blueman457
Sat May 13, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage
Replies: 6
Views: 737

Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage

Question: should I pay off my student loan or keep saving for a down payment? Student loan: $60k at 2.9% variable to LIBOR Current down payment savings: $80k, hope to add $40k/year Federal marginal rate: 33-39% State tax: 10% After getting our financial house in order, we started saving for a down p...
by blueman457
Sat May 13, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2928

Re: Help convince me it's okay (or not): new vehicle

The amount of information is a bit limited, but if you are saving well and the car will be a net benefit then go for it. Just don't strain yourself on buying a car because you want to keep up with your next door neighbor.

Blue Man
by blueman457
Wed May 10, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 5709

Re: What newspaper or magazine do you pay for?

NYTimes digital
WSJ online - still get it for free on my iphone after the subscription expired.