Search found 320 matches

by bostondan
Wed Mar 22, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Skinny Ties
Replies: 14
Views: 1608

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: 96
Views: 4743

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: 96
Views: 4743

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: 6044

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: 812

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: 96
Views: 4743

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: 41
Views: 3669

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: 1089

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: 1311

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: 29
Views: 4017

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: 29
Views: 4017

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: 29
Views: 4017

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: 29
Views: 4017

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: 29
Views: 4017

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: 1311

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: 1311

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...
by bostondan
Wed Mar 15, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 1311

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

When I say that the reception is poor, this in context of having internet speeds in the 300m - 1g range where poor handoffs are particularly noticeable. It's probably a non-issue if your internet is under 100m. I guess I've had a different experience. My internet is about 350mbps and I achieve full...
by bostondan
Wed Mar 15, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 1311

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...
by bostondan
Wed Mar 15, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Assigning income with two trust beneficiaries
Replies: 10
Views: 432

Re: Assigning income with two trust beneficiaries

I am realizing the issue is more relevant because of the following scenario where Doug doesn't really need the money, so want's to transfer assets in kind to avoid realizing capital gains taxes, but of an equal amount to Jane 1. Trust has $10k of income. 2. Doug moves $10k of assets in kind to his t...
by bostondan
Wed Mar 15, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 1311

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

We use Eero and it works well. I have heard good things about Google Wifi and the others, though Google did recently accidentally reset everyone's routers, taking down their networks. There is a recent thread here about mesh networks: viewtopic.php?t=213195
by bostondan
Tue Mar 14, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Assigning income with two trust beneficiaries
Replies: 10
Views: 432

Re: Assigning income with two trust beneficiaries

I would think you're running afoul of the step transaction doctrine with your proposal. You certainly would be making the distribution with the understanding a gift would be made. Is it defined anywhere how long one needs to wait to not violate the step transaction doctrine? I seem to be able to fi...
by bostondan
Tue Mar 14, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Assigning income with two trust beneficiaries
Replies: 10
Views: 432

Re: Assigning income with two trust beneficiaries

What do the terms of the trust say about distributions to beneficiaries? Even though distributions of income are not required, isn't there some language about dividing distributions among beneficiaries? Kevin It seems like we can divide distributions however we choose, which is how we wanted it whe...
by bostondan
Tue Mar 14, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Assigning income with two trust beneficiaries
Replies: 10
Views: 432

Re: Assigning income with two trust beneficiaries

No, there's no assigning of income. The trustee should pro rate the income between them. Yes, there is "some type of rule". It's called tax law. You might accomplish your objective by alternating tax years. Gill That seems reasonable. I know that tax law says many things that seem straigh...
by bostondan
Tue Mar 14, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Assigning income with two trust beneficiaries
Replies: 10
Views: 432

Assigning income with two trust beneficiaries

I understand that distributions to beneficiaries carry out income from a trust. However, if there are two beneficiaries who take distributions, how is the income assigned? For example, say the trust has $10k of income. How would each of these scenarios work? The trust is not required to distribute i...
by bostondan
Tue Mar 14, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: How to intelligently choose AA - Montecarlo?
Replies: 27
Views: 2143

Re: How to intelligently choose AA - Montecarlo?

I can't say specifically if your model is correct without looking at it, but you aren't crazy to think that rising equity allocations in retirement would benefit you. Other people have said that having higher equity allocations throughout retirement may actually work better. In reality, most people ...
by bostondan
Mon Mar 13, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

The insurance policy/annuity for the child is still a puzzlement, but you probably won't know for sure unless you get a copy of the policy and look under the hood, and then contemplate what other investments could have been made at the same time with the same amount of money. Even then, it could be...
by bostondan
Sun Mar 12, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

Thanks for all of the replies. My friendship is not the slightest bit at risk with this discussion with him. He and I have had many similarly controversial discussions, and certainly many that are much more controversial. It is all in good fun.
by bostondan
Sun Mar 12, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

. . . He claims he knows which companies and sectors are essentially guaranteed to rebound in the long-run, so when that company or sector goes down, he buys a bunch. He gave three examples. One is Boeing . . . I liked John's selection of Boeing; I think it's an example of survivor bias. The aerosp...
by bostondan
Sun Mar 12, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

Hint, whichever friend talks the least has the most money. Also have read all the studies and know whether autism is associated with vaccines? For sure? It is not so open and shut from what I can tell as literature varies and there are possible biases in the designs of most studies. Maybe you too l...
by bostondan
Sun Mar 12, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

"He also said that because he buys "safe" investments (per his above strategy) that he will likely only lag the S&P 500 by "a little" at worst." Why lag the S&P at all? He could just buy an S&P fund and be done with it. Because he might beat the S&P 500...
by bostondan
Sun Mar 12, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

How about the tech industry in the late 1990's, Enron, lehman Brothers ( and others in mid 2007 -2009). It caught most people by surprise. I used the tech industry in the late 1990s as an example. He said that you would still have beaten the S&P 500 by now even investing at a poor time in the l...
by bostondan
Sun Mar 12, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

You will never win with John. You cannot prove anything against future results. The only statement you can make ( "You are not smart enough to be able to know which stocks will do well or to time the market") would probably insult him. Let him take his lumps in the market. No skin off you...
by bostondan
Sun Mar 12, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

On the buying when things drop, bogleheads do that by rebalancing, so there is nothing inherently bad about doing that. I certainly will buy additional shares in "sectors" like small-cap value, REITs, and bonds when they have dropped. I will sell some shares when they go up, too. Complete...
by bostondan
Sun Mar 12, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Debate with friends on market timing, annuity, etc, thoughts?

I got into a friendly debate with close friends this weekend over a few issues, but did not have answers that were convincing enough. I am wondering how the Bogleheads would reply. I have no plans to force my beliefs on them, but am wondering for academic purposes what the best arguments would be in...
by bostondan
Fri Mar 10, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 5864

Re: What to do with all these passwords ?

+1 for 1Password. I sync it with Dropbox. I have never had any problems. It works perfectly on my Macbook Pro and my iPhone. I purchased it years ago and do not use the new subscription service. I use a different password for every account, generated by and stored in 1Password. If someone ever got a...
by bostondan
Fri Mar 10, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22554

Re: How to Die

Are you kidding me? Of course not. There isn't even an incentive of any kind to do so. Remember organs aren't sold (at least not legally) here, unlike some countries. This is in no way meant to discourage people from being organ donors, and as I doctor I have no benefit to me if someone chooses to ...
by bostondan
Fri Mar 10, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22554

Re: How to Die

This may not come up often in the ER, but the issue of feeding tubes is one that can tear up families. Dementia and stroke patients sometimes forget how to swallow. If fed by hand, they tend to aspirate food, which can cause pneumonia. Should they have a tube? It could prolong life for a significan...
by bostondan
Thu Mar 09, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8039

Re: Google wifi is awesome

"Mesh" technology is just a dual-antenna router (one to receive information from the first and the second to send the information out to you). The big technology jump here is that you don't need to set them up to communicate with each other and they look prettier so people are more willin...
by bostondan
Thu Mar 09, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

While I will admit the possibility of Sous Vide being a more reliable and better way to cook a steak....I will take a Weber grill every day! Why limit yourself to one or the other? The absolutely best steak is one cooked sous vide and then finished on the grill! Primary reason is time. I don't typi...
by bostondan
Thu Mar 09, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

mudd wrote:While I will admit the possibility of Sous Vide being a more reliable and better way to cook a steak....I will take a Weber grill every day!


Why limit yourself to one or the other? The absolutely best steak is one cooked sous vide and then finished on the grill!
by bostondan
Thu Mar 09, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment money location if money isn't tight
Replies: 6
Views: 701

Re: Down payment money location if money isn't tight

Thanks for the replies. It sounds like I might as well just keep it in the high-yield savings account. I won't overthink it. I already have control of the inheritance and it can be used immediately if needed. It is in trust, so control moved over easily. Distributions are discretionary (or whatever ...
by bostondan
Thu Mar 09, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 58
Views: 8039

Re: Google wifi is awesome

+1 for Eero. We live in a two-story brownstone with walls made of whatever material blocks wifi signals. Wifi barely makes it across one room normally. I set up three Eeros across our apartment, hard-wired (not necessary but I wanted to get every last drop of speed) and it's incredible. I can walk a...
by bostondan
Thu Mar 09, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment money location if money isn't tight
Replies: 6
Views: 701

Down payment money location if money isn't tight

I know the standard advice is to keep down payment money in a high-yield savings account (HYSA), which is where we currently have it. Would people do the same even if money isn't tight? I'm not asking for advice on alternatives to HYSA. I fully understand that all other investments are risky or stup...
by bostondan
Thu Mar 09, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

So how long would you cook a 1 lb steak at 131 (or at 137). And if you are cooking three, it would be the same time, correct? How do you seal your bags? I realized I didn't answer the question of how to cook three. If you are cooking three at the same temperature, you are correct that you put them ...
by bostondan
Thu Mar 09, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

I had never heard of this before. Couldn't even pronounce it properly. I did a little research and it's pretty interesting. Researching that however sent me to an article on the "reverse sear" style of cooking steak and I think I am going to try that first. No equipment needed. The author...
by bostondan
Wed Mar 08, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

Every single steak ends up delicious when made sous vide, even the cheaper ones. I think the Costco ones are still best, but all the rest are still great and completely acceptable when made this way. My preference is a medium rare steak cooked at around 131F. My wife prefers 137F. Lastly, you can c...
by bostondan
Wed Mar 08, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4551

Re: Where to buy rare steaks?

We buy steaks from Costco, our local grocery store, Trader Joes, Whole Foods, whoever else is convenient at the moment. When cooked using the cast iron and the oven, we've found that the Costco steaks actually fare the best. They're bigger than typical grocery store steaks and maybe that helps. I wa...
by bostondan
Tue Mar 07, 2017 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Cashing out 401k at age 54 then getting re-hired?
Replies: 40
Views: 2495

Re: Cashing out 401k at age 54 then getting re-hired?

It would be best not to post identifying information on the internet when you are talking about stashing a lot of money at home. I'm guessing that people who know you would not have a difficult time figuring out who you are based on the information in this thread, and possibly people who do not kno...
by bostondan
Tue Mar 07, 2017 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Cashing out 401k at age 54 then getting re-hired?
Replies: 40
Views: 2495

Re: Cashing out 401k at age 54 then getting re-hired?

$500 won't last very long in any disaster. If you can, I suggest you keep about 50K onhand if you can Our goal is having 50% invested and 50% in the form of cash bills. And owning a little real estate. We certainly won't be wealthy but should be ok I doubt you will find many people that agree with ...
by bostondan
Sun Mar 05, 2017 2:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13125

Re: Your USER NAME...what does it mean?

Well, Boston is short for "Botolph's stone." A small city in a land previously referred to as "near the great blue hill," now known as Massachusetts. Dan is for the name given to me by my elders... Okay, fine, I'm terrible at coming up with usernames. My name is Dan and I'm from ...

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