Search found 351 matches

by blueman457
Sun May 27, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Google WiFi and Verizon FIOS
Replies: 8
Views: 390

Re: Google WiFi and Verizon FIOS

It’s been a few years since I’ve had FIOS but I had the following setup (something like this): Wall Ethernet to Apple Router (wifi). Apple Ethernet to Verizon Router. Verizon router to TV box. You have have the Verizon “router” to get your TV channels, but I can’t remembet why. Reason: The Verizon r...
by blueman457
Sat May 26, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: How LTCG and NIIT work?
Replies: 3
Views: 285

How LTCG and NIIT work?

Q: What is my tax rate if I sell my index funds to pay for college? I've starting coming to the conclusion that I shouldn't "max out" my 529 contribution given the variables of life and I'll fund college through a 529 and taxable investing. As noted in my previous posts, I'm new to taxable investing...
by blueman457
Fri May 25, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 3492

Re: When did this start??

I've noticed this before and it's a bit sneaky in my opinion. I'm an ok tipper (not horrible, not great). I think it'll all poorly constructed because the back of the kitchen line chefs need better income support. Ex: if you have really good food you might leave a better tip, but that doesn't go to ...
by blueman457
Thu May 24, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 157
Views: 4842

Re: Purchasing a house, downpayment vs. retirement and other considerations

Interesting thread. I'm usually pro home buying than most folks here. But I think you're pushing yourself a little thin. I had a similar budget before I bought my place, but I have a significantly higher income than you (probably 2x) and I still feel a little up and down about my $1m home. I totally...
by blueman457
Mon May 21, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 1766

Re: When should we stop contributing to our 529?

I'm not in your shoes yet, but I do anticipate being the same situation in 9-10 years. I'm tentatively planning on funding to about public school tuition, then just putting it in taxable to give myself some flexibility.

Blue Man
by blueman457
Sun May 20, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 110
Views: 10842

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of...
by blueman457
Sun May 20, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 110
Views: 10842

Re: done with Gmail

I use fastmail.com; company out of Australia that respects your privacy. No ads, about $40/year. Has a good calendar and contacts system.

Blue Man
by blueman457
Sat May 19, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5675

Re: What’s your phone/internet bill?

Phone: $110 for 2 lines; 24GB a month; Verizon
Internet: $20, but split with another family because the apartments are close

I haven’t tried in a while to negotiate my phone coverage because I can’t find a good as a deal with any of the major providers (or major MVNOs).

Blue Man
by blueman457
Mon May 14, 2018 1:33 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9034

Re: The front page is ugly

I hear Edward Jones has a pretty snazzy landing page. :wink: I know that was in jest, but it's true. And if a random fella spent a few minutes surfing the net to try to find financial advice, most FA sites would come across as far more professional than BH.com. The point of a better, more professio...
by blueman457
Mon May 14, 2018 10:36 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9034

Re: The front page is ugly

... All the OP is asking for is for the front page to be consistent with the professionalism of the sub-form pages. ... Then might I suggest the OP load this as his bookmarked link: www.bogleheads.org/forum/search.php?search_id=active_topics Thank you! Much easier to read than the home page.
by blueman457
Mon May 14, 2018 9:22 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9034

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/con...
by blueman457
Mon May 14, 2018 8:02 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9034

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/cont...
by blueman457
Fri May 11, 2018 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3038

Re: How close do you cut your monthly surplus?

I’ve asked myself a similar question and asked this board before for input. Right now, I am contributing maximally to my tax deferred accounts and complete a backdoor Roth annually. I have budgeted 85% of my after tax dollars for expenses and the other 15% for miscellaneous expenses or put into savi...
by blueman457
Wed May 09, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 5996

Re: Do we spend too much on food?

How much you spend on one budget category is pretty irrelevant. We spend about 1.5K per month between groceries and eating out. Just me and my wife in Chicago. I know people who would faint upon hearing that but we have a 40% gross savings rate and make $300K/yr so who gives a you-know-what? We eat...
by blueman457
Mon May 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6007

Re: How much car to buy on $250K income, $200K NW, newborn on the way

$25k max, but it depends. I don’t think there is a hard and fast rule on a specific dollar amount. I like that you have a plan to pay in cash and have a very sizeable amount to spend if you so desire. That said, the purchase price has to be taken in context with your other savings goals and values. ...
by blueman457
Sun May 06, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2037

Re: Start 529 Plan?

Again, it's hard to say without knowing the full picture. But if you're doing a backdoor Roth I assume you're probably on the higher income side. Assuming your retirement savings and general cash savings are appropriate, a 529 should work. I am planning on balancing between a 529 and taxable account...
by blueman457
Sat May 05, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Starting Taxable Investing with Schwab
Replies: 1
Views: 361

Starting Taxable Investing with Schwab

Q: How do you know if a mutual fund can be transferred in kind? I plan to start a taxable investing account in the next few weeks, and already have a brokerage account with Schwab so I'll start with them. I plan on using their Total Market Mutual Fund (SWTSX), but if down the road I'm not happy with...
by blueman457
Fri May 04, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4460

Re: How are you widow-proofing?

I have a document that gives advice to my wife. Pretty much just says how to rollover the accounts into her name and invest in low cost retirement funds. In the same boat but I don't want to simplify my investments any further. I plan to walk my wife through my investments and the Bogle head philoso...
by blueman457
Thu Apr 26, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Portfolio Review [Updated 2 years after]
Replies: 12
Views: 2164

Re: New Physician Portfolio Review [Updated 2 years after]

Ah, you’ve hit the trap of the non-govt 457b. I ended up not using my hospital’s 457 because of the poor distribution options. You have to think hard about taking a distribution in 20-30y. Hospitals do fail (not common though) so that’s the risk when you take the distribution that far in the future....
by blueman457
Wed Apr 25, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another house budget question
Replies: 24
Views: 2165

Re: Another house budget question

In terms of pure net worth with a good income, yeah it could work. You’re looking at ~$6k mortgage plus property tax plus maintenance + 6k monthly expenses. In the future (with potential kids) you may be cash flow negative, so you have to be comfortable selling taxable to keep things moving forward....
by blueman457
Fri Apr 20, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking Question
Replies: 9
Views: 588

Re: Online Banking Question

I have used USAA exclusively as my bank and provider of insurance for the past 5 years. I currently have a checking and savings account, credit card, renters, car and umbrella insurance policy - all through USAA. I'm now finishing medical training and will be saving aggressively for a home downpaym...
by blueman457
Fri Apr 20, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Pay for medical school or Roth conversion
Replies: 15
Views: 900

Re: Pay for medical school or backdoor Roth

Agree with above that converting to Roth is an excellent option. That being said, will it affect any grant/scholarship money that you might receive?

Blue Man
by blueman457
Mon Apr 16, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1885

Re: Summary of Emergency Fund Options

You seem to be mentioning stock funds for an emergency fund. I would respectfully disagree with that approach. Ine ahould have 6 months of expenses in cash or bonds, whether in the portfolio or a separate emergency fund. But not stocks. This is an idea that has been floated around on a few differen...
by blueman457
Mon Apr 16, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1885

Re: Summary of Emergency Fund Options

I Bonds : "joint" I Bonds show up in only one owners account Here is how to fix: Go to your account> ManageDirect menu > Manage My Securities subtitle > Assign View or Transact rights > Select Series I Savings Bond then click submit > Select the bond you number you want to give your spouse access t...
by blueman457
Sat Apr 14, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1885

Summary of Emergency Fund Options

Yes, another Emergency fund question.... I'm thinking of re-working my emergency fund and wanted folks to comment if I'm missing any pro-cons.  I've read the wiki and dozens of threads.  I am currently in a higher tax bracket. Plain savings account (ex: ally savings): Pro: easy to use Con: ok return...
by blueman457
Mon Apr 09, 2018 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403(b) early in year
Replies: 10
Views: 666

Re: Maxing out 403(b) early in year

The only catch up the employer match. It seems that some companies will match monthly as long as you contribute monthly. My employers have not had this stipulation but others on this board have.

Blue Man
by blueman457
Sun Apr 08, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6369

Re: Structuring Newlywed Finances for Fairness and Less Arguments

My wife and I do the allowance method. Our paychecks go into a shared account and we have our own personal accounts for discretionary spending. While my take home income is 5x hers, we get the same allowance. She does a lot of unpaid work (aka primary care giver). How you split things up to you is a...
by blueman457
Sat Apr 07, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 851

Re: Please Evaluate My Portfolio and Make Recommendations

Welcome to the forum! Glad to know that you've found good information so far. Regarding your portfolio: it's hard to us to know what that tickers/acronyms are, so using the formal name would be helpful. How much are you setting aside for retirement savings now between the TSP/Roth/Traditional? Gener...
by blueman457
Thu Mar 29, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Taxable Investing vs Donor Advisor Fund vs ???
Replies: 9
Views: 434

Taxable Investing vs Donor Advisor Fund vs ???

After paying off significant debt, we are starting to save for a down payment, and figure how "give money" to charities. The new tax laws change things a little bit so I'm trying to understand the implications of each. Is my understanding correct? I've read this: https://www.bogleheads.org/forum/vie...
by blueman457
Mon Mar 26, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 4888

Re: Tips for moving to NYC

If groceries are your biggest concern at this point, I think you'll be fine. We ate pretty well (grocery wise): and spent ~$600-900/month for 3 adults and a kiddo. Caveat: we didn't shop sales, coupon clip because it wasn't worth the time for my wife to meal plan around what was on sale. You can def...
by blueman457
Mon Mar 26, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6658

Re: Question for physicians-- is my taking call worth it?

It's great that you're in a position that you don't need the money. One potential option: can you afford (time wise) to take a couple of days off after that hellish week to decompress? Part of the problem is that for that week you are working two jobs. Would it be possible, or economical, to schedul...
by blueman457
Sat Mar 24, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 4888

Re: Tips for moving to NYC

Good advice from previous posters: I'm considering changing companies to one located in Manhattan. I will likely NOT have a vehicle. I have two toddlers and a wife. Some questions for you NYC bogleheads: 1) The company builds large projects located all over the city. My work location would change ev...
by blueman457
Fri Mar 09, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3788

Re: MD-Phd (Harvard) vs MSTP (School X)

I did my residency and fellowship at Harvard and knew several MD/PHD and can tell you all those institutions you mentioned are excellent, but there is only one Harvard. Does that matter at a training level I don't know, but does matter if you are on Harvard's faculty in the future. There is a reaso...
by blueman457
Fri Mar 09, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2089

Re: Anyone ever have success getting out of a lease?

In NYC, I had signed a 2 year lease. Halfway through I had to break the lease because we were moving cities. I offered one months rent and gave the apartment back in prime renting season which the landlord accepted.


Blue man
by blueman457
Thu Mar 08, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1604

Re: Best Mac budgeting and finance tool?

I use Banktivity, but not sure how well it works without linking accounts.

Blue Man
by blueman457
Thu Mar 08, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3788

Re: MD-Phd (Harvard) vs MSTP (School X)

UCSF and Hopkins are peer institutions to Harvard. Unless pursuing a specific research program or mentorship opportunity available only at Harvard, I would choose the MSTP program with the assurance of funding. +1 I went to a medical school where the MSTPs obviously could have gone into other progr...
by blueman457
Thu Mar 08, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3788

Re: MD-Phd (Harvard) vs MSTP (School X)

UCSF and Hopkins are peer institutions to Harvard. Unless pursuing a specific research program or mentorship opportunity available only at Harvard, I would choose the MSTP program with the assurance of funding. +1 I went to a medical school where the MSTPs obviously could have gone into other progr...
by blueman457
Sun Mar 04, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 2334

Re: New Kid Expenses

Congratulations! -Child Care expenses are the biggest expense, whether in money/time/anxiety, it definitely outweighs most everything else (the primary is health). -College savings (if you can swing it), are great -Furniture: can be as much as as little as you want it. We got a fair amount from crai...
by blueman457
Fri Mar 02, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

Re: After Tax Savings Rate

This has much more to do with your current and expected expenses as well as your anticipated retirement date(s), SS, pensions and your overall portfolio and goals. Certainly these questions and choices have no good rules of thumb and if I would forward a guess it would require a lot more detail to ...
by blueman457
Wed Feb 28, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

Re: After Tax Savings Rate

willthrill81 wrote:
Wed Feb 28, 2018 12:53 am
Our post-tax savings rate is 59% and should go up in a couple of years to around 65%.
That's really impressive. I hope you're saving for early retirement or something fun.

Blue Man
by blueman457
Wed Feb 28, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14625

Re: How much cash do you keep at any time on checking?

2 months of expenses. Everything else gets stashed in to the savings account.

Blue Man
by blueman457
Tue Feb 27, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

Re: After Tax Savings Rate

OP here. After playing around with numbers and reading the advice, I think 5-10% post-tax savings helps with the bumps in the road (or budget only 90% of your income). If I don't have to use it for life expenses, then it'll get invested... if I do have to use it, I still have good pre-tax savings. B...
by blueman457
Mon Feb 26, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

Re: After Tax Savings Rate

The charts are set up for 10% savings rates and average levels of income. The OP is already above 25% savings and "high tax rate" and likely in heavy tax territory with a very modest goal in time and expense. (mid 60's modest COL) I know from personal experience that the charts will be off by a fac...
by blueman457
Mon Feb 26, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

Re: After Tax Savings Rate

This has much more to do with your current and expected expenses as well as your anticipated retirement date(s), SS, pensions and your overall portfolio and goals. Certainly these questions and choices have no good rules of thumb and if I would forward a guess it would require a lot more detail to ...
by blueman457
Mon Feb 26, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4213

After Tax Savings Rate

Q: What is a good/appropriate after-tax savings rate? Blue Woman and I are fortunate to be in a high tax bracket with opportunity to sock away 20% of income in pre-tax account, a generous match, and do a backdoor Roth/HSA annually, and have an appropriate emergency fund. The problem is if we buy a h...
by blueman457
Thu Feb 22, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 3928

Re: How to pay partners for working your call

In my previous job, we'd pay 50% of the pre-tax value in cash. It wasn't perfect, but it was good enough.

Blue Man
by blueman457
Mon Feb 19, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 958

Re: What home related expenses do I need to think of?

Thanks for all the responses. It is a new high rise building (not sure what technically what qualifies as high-rise), 18 levels, 300 units. It's the only high rise in the immediate area, everything else are apartments for a few blocks. There are shorter condos in the area, but not as convenient to p...
by blueman457
Mon Feb 19, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 958

Re: What home related expenses do I need to think of?

Thanks. Blue Woman is aware that we can't go on a spending spree after buying a place. We fortunately have pieces of furniture that we want to keep. The painful thing (as pointed out), are window treatments. Wow, I would never pay an assessment that high (I hated our $360 monthly assessment at the t...
by blueman457
Sun Feb 18, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 958

What home related expenses do I need to think of?

We came across a unit in a new construction building (under construction) and we are seriously considering buying it as a primary home. The question is: what expenses do I need to think about? We are new to the home buying arena. Unit is approx 2x total income, good pre-tax retirement saving so we s...