Search found 354 matches

by bostondan
Tue Apr 25, 2017 12:24 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6688

Re: My Doctor says I am "unusual" (declining some blood tests)

With EMR, how is this even possible? I skimmed the above, but just wanted to share some interesting info about this topic. You might expect duplicate testing to decrease when you can see past results, but there has been mixed data about this: - Increased rate of duplicate echocardiograms after EHR ...
by bostondan
Tue Apr 25, 2017 12:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 25
Views: 2309

Re: Hawaii Bogleheads, where are you?

Do any of the Hawaii Bogleheads come originally from somewhere far away, such as Boston? Do you travel frequently to see family? How much does it cost to live that type of life? I'd be interested to discuss this privately with someone. If you're willing to, please PM me.
by bostondan
Tue Apr 25, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: If you are financially independent, how much monywould you bother to make?
Replies: 31
Views: 3477

Re: If you are financially independent, how much monywould you bother to make?

I thought the definition of being financially independent is to not have to stress about making money anymore. But here you are, spending time thinking about it. I would say that if you are on the fence about any money-making decision now, that the answer for you should be a firm "no". I ...
by bostondan
Mon Apr 24, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

The key is being in a market with competition. I currently have RCN, who gave me a no-contract deal for 50 megabit internet service (all I got) for $34.99 first year and $44.99 second year. I use my own modem. But I'm in a market which also has Comcast, also has Verizon Fios. When my second year of...
by bostondan
Sun Apr 23, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3150

Re: how much house can we afford? Boston area.

I think that we are in a real estate bubble in the Boston area. I wouldn't be in a hurry to buy. I would wait for the next recession and see how secure my job is before I buy. Not owning real estate has the advantage that it's easy to move if you lose your job. It certainly seems that we're in a bu...
by bostondan
Sun Apr 23, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3150

Re: how much house can we afford? Boston area.

Not sure I understand. Do people in HCOLs not save for retirement, vacation, have unexpected emergencies, kids, etc? Many don't. An orthopedic surgeon I work with, who makes around $800k/year, was telling me that he is living paycheck to paycheck. He recently purchased a $3 million home and can't a...
by bostondan
Sun Apr 23, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3150

Re: how much house can we afford? Boston area.

Are you willing to move outside the city? If you can move as far as a place like Sharon, MA, then you can get a reasonable house in a price range you could likely afford. If you're willing to compromise slightly and move to Easton, Framingham, or other similar places, you can do better. My wife and ...
by bostondan
Fri Apr 21, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Wealthfront Portfolio Line of Credit
Replies: 3
Views: 431

Re: Wealthfront Portfolio Line of Credit

randomguy wrote:Personally the rates seem really to me. These are loans backed with 3x of assets that can be forced to be sold to pay the loan. That is pretty low risk.


Thanks for your thoughts.

Really high or really low? I think you left out a word.
by bostondan
Fri Apr 21, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: Wealthfront Portfolio Line of Credit
Replies: 3
Views: 431

Wealthfront Portfolio Line of Credit

Wealthfront has launched a new product that allows customers to take up to 30% of their portfolio value out as a loan: https://www.wealthfront.com/portfolio-line-of-credit I don't understand these things well enough, but at first glance it seems like a bad idea. The interest rate is advertised as be...
by bostondan
Wed Apr 19, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Friendly heads up for anyone leaving Betterment
Replies: 1
Views: 563

Re: Friendly heads up for anyone leaving Betterment

The same issue applies when leaving other robos. I had some unwanted trades take place from FutureAdvisor. They were similarly kind in refunding some of the tax costs to me. The taxes owed were certainly my responsibility, but they accepted that the only reason for realizing the capital gains now wa...
by bostondan
Sun Apr 16, 2017 7:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 25
Views: 2309

Re: Hawaii Bogleheads, where are you?

I'm not from Hawaii, but I've probably tried to convince my wife to move to Oahu once per week for the past 6 years. We spent a couple weeks with friends in their beachfront home in Kailua right on Lanikai Beach recently and I was prepared to not come back to Boston. I'm trying to at least make it s...
by bostondan
Sun Apr 09, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Malpractice tail
Replies: 8
Views: 1378

Re: Malpractice tail

Is it not standard to have malpractice insurance that includes tail? I know you can get it without tail insurance, but the standard advice we're given here is that not having included tail insurance should be considered a deal breaker. My insurance is through CRICO, so I've never really had to think...
by bostondan
Fri Mar 31, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

1. Did you see the article in yesterday's NYT about the sweet spot for schools vs. price in suburban Boston? https://www.nytimes.com/interactive/2017/03/30/upshot/good-schools-affordable-homes-suburban-sweet-spots.html I hadn't seen this, but it's interesting. We're not cut out for the suburbs, at ...
by bostondan
Fri Mar 31, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

The highest asset protection would be to combine tenants by entirety ownership with leaving all the assets in the trust. This requires you to spend a large share of your personal funds to pay the mortgage. It sounds like you could afford this. If so, there is no reason to worry about having a small...
by bostondan
Fri Mar 31, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust deposit rules question
Replies: 4
Views: 289

Re: Irrevocable trust deposit rules question

The trust is a separate entity with income and principal being accounted for separately. It's administration is governed by state law and the terms of the instrument. Often different parties are interested in the income from the trust than those with an interest in principal. Normally it is not app...
by bostondan
Fri Mar 31, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust deposit rules question
Replies: 4
Views: 289

Irrevocable trust deposit rules question

I am the beneficiary of an irrevocable trust created when my mother died. I just have a hypothetical question about trust rules. Maybe my Google skills are rusty, but I couldn't figure out the answer to my question. I would of course clarify rules with our attorney before doing anything, and have no...
by bostondan
Fri Mar 31, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

@Maxdog

Wow, quite an idea! We'll probably try to keep it simpler than that, but I'd be interested to see someone else do that and succeed. Thanks for the reply.
by bostondan
Thu Mar 30, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

I'd think LCOL and Pina Coladas but to each their own. How much are houses where you're looking? Do you plan to stay there long-term? Can you wait a little while and buy if the market goes down? What does the capital gains on the taxable piece look like? I'm assuming you got a step-up at time of de...
by bostondan
Thu Mar 30, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

What does the trustee have to say about this? You are not the only beneficiary as you indicated your children have a remainder interest. Also, the Roth is not an asset of the trust. The trustees are me and my wife. I am able to fire and replace my wife with a non-relative. The trustees say what I s...
by bostondan
Thu Mar 30, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Re: Using irrevocable trust to optimize home purchase in HCOL area

Thanks for the reply. I vote for the Pina Colada option! 8-) Perhaps if I get enough upvotes for this idea she'll go for it! :sharebeer What is the balance of the Trust and how much income is it generating? How old are you? The balance is about $2.6 million. $750k in a taxable account, the rest in a...
by bostondan
Thu Mar 30, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Using irrevocable trust to optimize home purchase in HCOL area
Replies: 23
Views: 1279

Using irrevocable trust to optimize home purchase in HCOL area

First, I have no plans to do anything immediately. I would consult with our attorney prior to moving forward, but figured Bogleheads might have some helpful information to start. My wife and I plan to buy a home in a HCOL area (Brookline, MA) some time in the next few years. I have access to an irre...
by bostondan
Tue Mar 28, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 159
Views: 20156

Re: Illusion of poverty/wealth

This is becoming an issue for me having received inheritance. I have a lot of money, but not a matching amount of income yet. When I finish cardiology fellowship that will change. I feel only psychologically able to spend at the level of my income, though if I am trying to be rational I could loosen...
by bostondan
Mon Mar 27, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7239

Re: Massive Student Loan Debt - Girlfriend

Finally, dump her now. I would take this with a grain of salt. Do not take advice from an anonymous internet forum to "dump someone now." Perhaps mstone3 just has anxiety over money, or relationships, or whatever, and he trusts the Bogleheads community. We can argue over whether that is s...
by bostondan
Sun Mar 26, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7239

Re: Massive Student Loan Debt - Girlfriend

As a doctor, I see this all the time. Many of my colleagues with no debt married other doctors who had massive debt. Some with debt married others with debt, resulting in even larger debt (one close friend has ~$900k between them). If this is the woman you plan to marry, once you actually get marrie...
by bostondan
Sun Mar 26, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1631

Re: Schwab's Intelligent Advisory (now live)

I imagine Vanguard execs calculating their bonuses for reaching AUM targets and deciding to tell people that negative rate international bonds will return the same as higher yielding US ones (even though it’s not really known they will). I also imagine Vanguard execs starving the IT department so a...
by bostondan
Sat Mar 25, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACH deposits on weekends?
Replies: 10
Views: 866

Re: ACH deposits on weekends?

Interesting. I had no idea it was so variable. In my case, the deposit was initiated on Friday 3/24 (my employer said the paycheck was being submitted late morning) and it showed up as being available for withdrawal around 10am on Saturday 3/25. I know it was not initiated earlier than that because ...
by bostondan
Sat Mar 25, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: ACH deposits on weekends?
Replies: 10
Views: 866

ACH deposits on weekends?

I have been receiving paychecks for many years. Whenever my pay-day is supposed to fall on the weekend, they come to me either early on Friday, or late on Monday (most employers seem to do whatever is in my favor, which would be early). Today I received an ACH deposit from an employer and it appeare...
by bostondan
Sat Mar 25, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1631

Re: Schwab's Intelligent Advisory (now live)

Money markets have had low returns recently too, and what you would be earning is the national average of money market deposit account rates at the $10,000 level based on an index from RateWatch. Now it's certain that Schwab will take your money and lend it out via their bank for home mortgages at ...
by bostondan
Sat Mar 25, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6712

Re: How did graduating out of daycare impact your finances?

We just graduated INTO daycare essentially. We were using a nanny share (another child came to our place), but the other family quit fairly suddenly. Our cost of child care nearly doubled suddenly. We'll be fine, but it was frustrating how sudden it was. Luckily, this gives an opportunity to find a ...
by bostondan
Sat Mar 25, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12224

Re: Do you have enough? How I realized yeah I do.

Congrats! It's not always a number. I didn't feel any different when I had 25x. I'm starting to feel more comfortable that I've got enough to leave my career behind. The numbers make sense, and I'm realizing there are other ways to realize income on my own time without carrying a pager and showing ...
by bostondan
Sat Mar 25, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1631

Re: Schwab's Intelligent Advisory (now live)

Give Schwab IA a call and find out ? I did. Here is what Schwab said: - Yes, Schwab make their living on our 'cash' - They publicly disclose this how they make $$$ off this cash - Cash is liquid with Schwab - I can pay bills so I put my monthly bill-pay $ in IP vs my checking account in BOA - Let d...
by bostondan
Sat Mar 25, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1631

Re: Schwab's Intelligent Advisory (now live)

Most important : IA (Intelligent Advise) and IP (Intelligent Portfolio) BOTH uses underlying IP. So if you have 2 $M, move it from VPS to IP and save the 30 bps VPS charges, just keep mim $25K with IA. CFPs of IA will advise you on IP as well. You get the trick ? this is going to kill VPS! Until th...
by bostondan
Sat Mar 25, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Liabilities
Replies: 8
Views: 755

Re: Estate Tax Liabilities

Does this sound right: A lawyer is telling my dad that he should split up his assets and create new accounts in order to cut any possible future inheritance tax bills. IANAL, but this doesn't make sense to me. The sum of your assets is what matters for estate tax. Also, I believe a revocable trust ...
by bostondan
Sat Mar 25, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1631

Re: Schwab's Intelligent Advisory (now live)

I can understand paying a one time fee to come up with a game plan, but why pay on an ongoing basis year after year? All you do is percentage rebalance as needed. Agreed, but if you had to put together a special needs trust, or started losing your memory or had a spouse who would sell everything an...
by bostondan
Wed Mar 22, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Skinny Ties
Replies: 14
Views: 1841

Re: Skinny Ties

Check out thetiebar.com - no comments on durability as I maybe wear ties 5 days a year, but good range for decent prices. +1 for The Tie Bar. All of my ties, except gifts and a couple impulse purchases, are from there. They have been much more durable than any of my other ties. They are well made a...
by bostondan
Mon Mar 20, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5745

Re: Suspicious organic products

Thanks. Also, there is information out there about antibiotics used in beef, poultry ,etc and a possible connection to antibiotic resistance, I personally think it is far more than "possible" but anyone reading this thread can do research and come to their own conclusions. In short, my wo...
by bostondan
Mon Mar 20, 2017 5:01 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5745

Re: Suspicious organic products

I tried hard to be upbeat when answering questions, but was given the nickname "Danny Downer." I eventually refused to answer any more questions! Wow. Sounds like a great vacation. I suppose maybe what they wanted was affirmation more so than honesty and were disappointed, but to respond ...
by bostondan
Sun Mar 19, 2017 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6382

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by bostondan
Sun Mar 19, 2017 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Dividing IRA in Family Wealth Trust
Replies: 13
Views: 916

Re: Dividing IRA in Family Wealth Trust

If the IRA is payable to the revocable trust, and the IRA benefits payable to the revocable trust are to be divided into two separate trusts, one trust for beneficiary A and the other trust for beneficiary B, they should be able to set up an inherited IRA, and then divide the inherited IRA into two...
by bostondan
Sun Mar 19, 2017 1:03 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5745

Re: Suspicious organic products

We recently went on vacation with another family. Since I am a doctor, they kept asking me questions about whether there is a health benefit for various things, such as organic foods, fancy moisturizers, homeopathy, acupuncture, along with harms of vaccination, various fad diets, etc. The usual type...
by bostondan
Sun Mar 19, 2017 12:43 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 4978

Re: Bogle Interview CNN - Sat.

Wow, I had no idea that he was still so sharp! That was an excellent interview.
by bostondan
Sun Mar 19, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1247

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

For cloud backups, I can't say enough good things about Crashplan. Starts at $5/month for unlimited storage. I too was an early adopter of Jungle Disk, but left probably 5-6 years ago for Crashplan. It has been flawless, even once we expanded it to our business network. +1 for CrashPlan I have used...
by bostondan
Sat Mar 18, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 2724

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

I was leaning towards eero since their customer service is so good, but I recently discovered this thread on problems with Mac connectivity.. https://www.reddit.com/r/eero/comments/5syxhe/macbook_pro_issues_connecting_to_network/ I'm now favoring the Orbi system--not a true mesh network but easy to...
by bostondan
Thu Mar 16, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7946

Re: PurePoint 1.25% online savings $10K min

By the way, do you recall if you saw anywhere to actually enter in the invitation code of 200STRONG? I realized after I signed up that I never saw a box for anything like that. But obviously they can tell that you're clicking on the link via the special landing page, so is it automatic? We just ope...
by bostondan
Thu Mar 16, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7946

Re: PurePoint 1.25% online savings $10K min

Thanks for the Capital One tip. I'll take advantage of that one.
by bostondan
Thu Mar 16, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7946

Re: PurePoint 1.25% online savings $10K min

The Early Withdrawal Penalty assessed will equal 181 days of simple interest at the rate being paid on the amount withdrawn.


Source: https://www.purepoint.com/res/docs/acco ... ide_CD.pdf
by bostondan
Thu Mar 16, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7946

Re: PurePoint 1.25% online savings $10K min

One downside: yet another institution having your confidential info. So, potential hacks into this bank puts your identity at more risk. Also, depending on how this bank shares your info with "affiliates" (even if you limit sharing, it takes some time before such settings take effect, dep...
by bostondan
Thu Mar 16, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7946

Re: PurePoint 1.25% online savings $10K min

Has anybody been using this? Run into any issues? Not a huge increase from Ally, but seems pretty trivially easy to make the switch and grab an extra 0.25%.
by bostondan
Wed Mar 15, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 2724

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

Those of you using Mesh networks, do you connect it to the Comcast Modem using Bridge Mode? Is there some advantage to bridge mode vs. just connecting to an ethernet jack on the cable modem? Thanks in advance. Roosevelt. You should not use it in bridge mode with your modem. This would not make sens...
by bostondan
Wed Mar 15, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 2724

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

Not too happy with the true mesh networks at this stage; friends have had issues achieving smooth handoffs or even forcing an initial connection to the nearest unit. Not sure when the last time you spoke with a friend, or which device they used, but the experience of my peers has been 100% positive...

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