Search found 618 matches

by daveydoo
Sat Jul 22, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1405

Re: Career Advice

Here is my dilemma (Two options): 1. Go back to work for a "mega corp" at about the same salary, benefits etc. Have an offer on the table. 2. Do a more "engaging" thing and take a turn. I have been offered a part time teaching job at a Major university (It is rated the # 1 Unive...
by daveydoo
Sat Jul 22, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 10
Views: 1171

Re: 2017 Genesis

I am considering leasing a 2017 or 2018 Genesis. Does anybody here have one? Ralph If you want a non-performance luxury car and don't care about prestige, I think it's an excellent choice -- they check a lot of boxes. But that's a pretty small segment of the luxury car market, imo. You'd be saving ...
by daveydoo
Wed Jul 19, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 53
Views: 4127

Re: Physician Compensation and Subspecialties

Hospitalists entering fellowship are an odd lot, imo; many struggle to embrace the "the buck stops here" mentality that is needed. I find this to be an odd statement, since many people use a hospitalist position as a stopgap before pursuing their passions. The reasons are myriad, but it c...
by daveydoo
Wed Jul 19, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 53
Views: 4127

Re: Physician Compensation and Subspecialties

I am wholeheartedly willing to pursue a subspecialty strictly for monetary reasons. Some familiarity with this world. Your financial advisor laughed at you and now you want to enter a different specialty? Trust me -- that one won't be "good enough," either. Hospitalists entering fellowshi...
by daveydoo
Wed Jul 19, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5027

Re: Would you let your teenager spend all his savings on a gaming computer?

Similar experience a few years back. From your description, I hope you know that you may be building this computer -- or at least very heavily involved. Plus, there are a number of high-stakes steps like attaching the CPU to the motherboard where you might want the guys at Fry's to do that one thing...
by daveydoo
Tue Jul 18, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6227

Re: Is it Safe to Get Your DNA Tested?

I guess its obvious I would never voluntarily give up my DNA. Am I being paranoid? Kinda. Carrier state means very little -- unless you decide to have a kid with someone from your same ancestral village who's likely to carry the same minor allele. Anyone who wants your DNA can get it from your tras...
by daveydoo
Tue Jul 18, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 5539

Re: Investment advice for $4 million - can I do all stocks?

Our RMD's from our IRA's are more than $200K per year, and will build as we age. Taxes are devastating to those of us who saved, saved, and saved some more over the years. This was, of course, money that was never taxed and in all likelihood would have been taxed at a higher marginal rate during yo...
by daveydoo
Mon Jul 17, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2604

Re: Would you look for a general handyman for these home jobs?

1. Replace/fix radon fan on the roof which seems to be not running 2. Install a quality filter system on our furnance, replacing the cheap disposable filters that are down there now (already bought the proper filter) 3. Install a hose holder on vinyl siding in the front of the house 4. Review the g...
by daveydoo
Mon Jul 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 39
Views: 8146

Re: Anyone feel like talking "R"

Benp404 wrote:Anyone have any insight in to the software that would help or feel like discussing what some of the code does?


Totally jealous -- trying to get my kids to learn R (on their own) since it's been invaluable for the sharp analysts I work with. But it's too hard for me to just learn it in a vacuum.
by daveydoo
Mon Jul 17, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for college
Replies: 3
Views: 328

Re: Investing for college

I think it's like retirement: the glide path depends upon your financial security. If you must withdraw for Year One of child #1's college, then I think it's important to get conservative well before that date. If this is one piece of the equation and you can potentially cash-flow for a few years or...
by daveydoo
Sun Jul 16, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3423

Re: what's your secret to cleaning inside car windows?

Ammonia + microfiber cloth (same ones I use to dry the car -- big bundle of yellow ones for next-to-nothing at Costco). Or ammonia + newspaper. I always assumed that the inside haze is from all plasticizers leaching out when the car sits in the sun. Makes a huge difference in visibility at night and...
by daveydoo
Fri Jul 14, 2017 2:24 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4799

Re: Cutting the Cord: Who's Best?

DomDangelina wrote:I'm cutting the cable tv cord.


- "Off-air" (antenna) HD is amazing. No compression artifact. And free.
- Netflix
- Maybe Amazon Prime
We miss most major sports events as these have all migrated to pay TV. Not ideal but saves a lot of time :)
by daveydoo
Fri Jul 14, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7277

Re: Switch to federal job?

Seems like most of the glowing reviews of federal employment (easy, no stress, overpaid, tons of vacation, great benefits, etc.) are from people on the outside looking in. In my field, there are huge numbers of federal positions that go unfilled for years. The same mediocres apply for them over and ...
by daveydoo
Wed Jul 12, 2017 1:41 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 2402

Re: Ideas for a week in Spain

What would be one or two places in Spain (other than Madrid, Barcelona, Pamplona, Burgos, Lion, and Santiago) with plenty to do for a week. Donostia/San Sebastian. Just got back from there (and from a few of the other cities you've already ruled out). Or is that part of the Camino? WAY less tourist...
by daveydoo
Tue Jul 11, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2910

Re: Jewelry insurance. Is it ever worth it?

My question is if anyone out there has jewelry insurance and whether it is something worth having at all...or only in select situations. Thanks.  There have been other threads about what jewelry costs and what jewelry is "worth" -- two very different concepts. Insurance replaces the lost ...
by daveydoo
Tue Jul 11, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 28
Views: 1947

Re: Donation to Church for wedding?

What is an appropriate amount to give to the parish for the ceremony? Donation to clergy's "discretionary fund." He/she can use it for wherever the need is greatest. This is what we have done for milestone events when clergy were involved. Dollar amount depends entirely upon your means, i...
by daveydoo
Tue Jul 11, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Finance auto-loans - Whats the catch?
Replies: 20
Views: 1769

Re: 0% Finance auto-loans - Whats the catch?

For my Mazda last year, the best price required the financing. There are threads about this on BH. I was assured of no pre-payment penalty, but when I tried to pre-pay a big chunk and apply to principal, web interface told me it exceeded the limit I could do. I called the lender and they laughed and...
by daveydoo
Sun Jul 09, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3239

Re: The cost of car ownership

A Honda Fit with stick shift is fun to drive. McDonald's fries are delicious. Why would anyone eat anything else? There are things even more fun than a Honda Fit. One thing I don't understand about fast cars is speed limits and traffic. Ok, that's actually two things but the effect is the same. Don...
by daveydoo
Sun Jul 09, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3239

Re: The cost of car ownership

It is important to keep cost in mind when buying a car. It's also important to keep in mind that some people are willing and able to pay said cost. This. I'm continually perplexed by the assertion that a car, in all instances and for all drivers, is merely a way to get from point A to point B. So i...
by daveydoo
Sun Jul 09, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in this business?
Replies: 19
Views: 1339

Re: Should I invest in this business?

I have an opportunity to invest in a Hooka Lounge near a major university. In the US, this is a fad -- and a dreadfully unhealthy one at that. Candy-flavored additives to rope in the uninitiated. It's way worse than Joe Camel. It's hard to say "no" to a business opportunity on principle a...
by daveydoo
Sun Jul 09, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

For car camping, we use a ~ 10-gallon galvanized steel pail with a metal handle (I think it's a feed bucket from an ag supply store -- very wide and fairly shallow and big enough to fit our largest dish or utensil), fill it half-full with water, and set that on the fire ring while we're cooking and ...
by daveydoo
Thu Jun 15, 2017 1:31 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8253

Re: College admissions question - she got a "C"

If Harvard were perfect in communicating its expectations, and applicants and their parents understood those expectations clearly, then Harvard's acceptance rate would be much higher - perhaps 50% or 70% or higher. Not because they'd let so many folks in, but because the vast majority of those who ...
by daveydoo
Tue Jun 13, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Overcharged for tax returns
Replies: 28
Views: 2811

Re: Overcharged for tax returns

bayview wrote:OP is military, stationed overseas.


OP said: "I am scheduled to return to the states at the end of the month and can make a personal visit to the office"
by daveydoo
Tue Jun 13, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Overcharged for tax returns
Replies: 28
Views: 2811

Re: Overcharged for tax returns

Now I receive the invoice and they have billed me $135/hour, which equates to approximately 20 dollars per email (charging for email?) and billed for over 5 hours for the preparation and filing of the return. Sounds high to me. If there was a complex office visit plus a mess of emails, that's diffe...
by daveydoo
Mon Jun 12, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7242

Re: Poll: Do Bogleheads own Stocks?

MrNewEngland wrote:73% of respondents have a net worth over $1M... that's impressive.


I better hurry up and take that poll -- I like those odds.
by daveydoo
Mon Jun 12, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Saltatory decumulation as a tax strategy.
Replies: 19
Views: 2070

Re: Saltatory decumulation as a tax strategy.

Not sure about the strategy, but I love the name! I think we engage in this. Replace aging car, pay tuition, pay tuition, replace furnace, pay tuition, pay tuition... Now when friends ask about my approach to personal finance, I can just announce "saltatory decumulation!"
by daveydoo
Mon Jun 12, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1601

Re: Vanguard believes in active managment

Having our cake and eating it, too :happy .

Even steakhouses have a fish entree and salad so there's no reason for anyone to stay away...
by daveydoo
Sun Jun 11, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8253

Re: College admissions question - she got a "C"

I am wondering if any of you have insight as to how that C will effect her college admissions chances and whether there is anything she can do to lessen the impact of that C on people who review her college application. Depends on the kid, the high school, and the college. For most kids, there will...
by daveydoo
Sun Jun 11, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Choosing a home from 3 options
Replies: 7
Views: 1073

Re: Choosing a home from 3 options

Location within Town: Very Good. Traditional Neighborhood with potential for kids to make friends Not a lot of info here -- the excitement factor for each home, proximity to work or ethnic community (if relevant), commute, etc. We don't know you or your kids. Based on what you present and on my lim...
by daveydoo
Sun Jun 11, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 709

Re: bike rack quick release?

No. That says it fits a 2" hitch receiver. You either have a hitch receiver permanently on your vehicle or you don't. Do you have one? The receiver fits a bike rack or a trailer or a... You can buy them from eTrailer, where you are shopping already. I bought one from them and put it on and that...
by daveydoo
Sun Jun 11, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7242

Re: Poll: Stock Ownership

whaleknives wrote:I've never considered an Exchange Traded Fund to be a stock.


I don't think that's what the poster I was responding to meant. "ETF vs. individual stock" was how I interpreted it.
by daveydoo
Sun Jun 11, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 709

Re: bike rack quick release?

I can't tell what that is, and I like eTrailer as a retailer. Ours all have a threaded hitch-pin with a locking washer. You slide the business end of the rack into the hitch receiver (2", I hope) until the holes align. It's very easy. Sometimes I have to jiggle or "worry" the rack a b...
by daveydoo
Sun Jun 11, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529's for my kids. Am I missing anything?
Replies: 13
Views: 2188

Re: Opening 529's for my kids. Am I missing anything?

Here are my questions...thanks in advance for all help From your thread title, mostly what's missing is a big congratulations! With that of the way, we used an "age-based" investment strategy in part because our state plan (with state tax advantage) had few other options. In what may or m...
by daveydoo
Sun Jun 11, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1354

Re: Radar diffusers - illegal? Too good to be true

Or you could save $3495 and drive legally. Using a jammer needn't imply illegal activity like speeding. It's a privacy issue, like tinted windows -- outlawed in some jurisdictions but no problem in others. As a separate issue, many people who watch the actual road and their mirrors and not their in...
by daveydoo
Sun Jun 11, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1354

Re: Radar diffusers - illegal? Too good to be true

Yesterday I was at Range Rover. The salesman offered (for $3495) what he called a "radar diffuser." It is supposedly legal, will warn of police shooting radar, and will "indicate" that your car is under the speed limit if it gets shot. This seems too good to be true if you are i...
by daveydoo
Sun Jun 11, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7242

Re: Poll: Stock Ownership

ValueInvestor99 wrote:I would like to know what percent of the stock owned is individual stocks compared to ETFs.


Yes. I would think lots of folks have little bits, at least -- like holdovers from pre-BH years with lots of CG exposure. "Do you own" is a great start but still leaves a lot of room.
by daveydoo
Thu Jun 08, 2017 2:53 am
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 1601

Re: Earthquake insurance in SOCAL

I recently moved to Southern California and will be moving to Rancho Cucamonga at the end of the month. I need to purchase insurance for my new home. The earthquake insurance is VERY expensive. What are the SOCAL bogleheads thoughts on buying earthquake insurance for this area? Not SOCAL (can't fol...
by daveydoo
Thu Jun 08, 2017 2:40 am
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2900

Re: Home siding thoughts

IM (not)HO I can't stand vinyl. Usually the character of the house (ornate trim, etc) gets ripped off and covered with those ugly j channels. And it just looks... Plastic. +1, and I'm not a house snob. I hate the look. I'm surprised this didn't come up 'til so late in the thread. I thought it had f...
by daveydoo
Wed Jun 07, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 6640

Re: Pimp my DW's ride.

TomatoTomahto wrote:If the worst thing we do is look silly, well, I've done worse.


Good point! Enjoy!
by daveydoo
Tue Jun 06, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 6640

Re: Pimp my DW's ride.

@daveydoo, there's a lot to unpack in your post, and I came up with some pretty snarky replies, but this is a friendly forum, and I'll just swallow those replies. I will just say that you seem to have replied to me with concerns that more accurately belong to other respondents; I'm just looking for...
by daveydoo
Tue Jun 06, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 6640

Re: Pimp my DW's ride.

I see your point, but A) I consider my Tesla practical, for me B) we never considered a Maybach (other than liking how it looked) and C) money is a concern, albeit not a foremost concern Respectfully, you're kinda all over the map here. You're cross-shopping off-road capability vs. insane straight-...
by daveydoo
Thu Jun 01, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting throughout the year
Replies: 23
Views: 1430

Re: Tax Loss Harvesting throughout the year

I have enough losses already harvested to last me a few years of $3k installments. Just to be clear, it's not limited to the $3K installments -- it also offsets the (hopefully) inevitable gains that are spun off of even indexed equity funds, right? That could be considerable with the size portfolio...
by daveydoo
Tue May 30, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Nuveen Fund
Replies: 7
Views: 547

Re: Inherited Nuveen Fund

First, are you in CA?

Second, the ER is very high (looks like 1.2%), whereas Vanguard California Intermediate-Term Tax-Exempt Fund Investor Shares is 0.19%.
by daveydoo
Tue May 30, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13917

Re: i am my own "guy," but not sure I should advertise that

Just like plenty of people don't see the monetary benefit of signing up for and utilizing credit cards for rewards and sign-up bonuses. For many of us it's a "Duh" for others, they don't understand how we keep up with charging the cards, using the points, paying them off, etc... It's just...
by daveydoo
Mon May 29, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: help me decide of I should use this wealth manager
Replies: 17
Views: 1745

Re: help me decide of I should use this wealth manager

They have portfolio which has a projected annual return rate of 10.1% with a standard deviation of 10%. No they don't. If this is what they told you, they are flat-out liars. They have cherry-picked a portfolio based upon past performance. Among sectors, last year's biggest losers are likely to out...
by daveydoo
Sun May 28, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 2098

Re: Third-party travel insurance, anyone?

OP here. Thanks to all for the great comments and for sharing your insight and experiences. I agree about self-insuring for losses that can easily be covered -- and this falls into that category. But it's the higher-than-usual likelihood of a loss here that made me nervous. Tips the math a little bi...
by daveydoo
Fri May 26, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 2098

Third-party travel insurance, anyone?

Has anyone paid for or benefited from third-part travel insurance? I see AIG and a bunch of other carriers. This would include air travel and lodging. I don't mean the pop-up offers from the airline right after you book a flight. A relative is scheduled to fly to a remote destination that has limite...
by daveydoo
Fri May 26, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1149

Re: Interview follow-up

NoGambleNoFuture wrote:Hate that there are still companies out there that ask for references...


You mean because no one ever lies about their skills or accomplishments anymore, or because everyone now has perfect insight into their own character, integrity, and personality?
by daveydoo
Thu May 25, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Help choose company service gift [choice made!]
Replies: 32
Views: 2346

Re: Help choose company service gift [choice made!]

Earl Lemongrab wrote:They don't have to give anything.


At 20 years with my $3 billion annual-budget, 15,000-employee outfit, I got a half-inch gold-colored logo pin. :D
by daveydoo
Thu May 25, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 7678

Re: Suits: best bang for your buck?

Imo, if you need to look good, the tailoring and advice when you're trying on are the most important things. Buying cheap clothes online works for me, but I would not buy a suit that way. Really, the whole thing is the fit -- especially if you're dealing with clientele who know the difference. An il...

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