Search found 468 matches

by malabargold
Sun Apr 15, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1075

Re: Investing for a 1 year old

This forum says “not investing”, nevertheless,
unless your crystal ball is better than mine
why not just VT?
by malabargold
Sat Apr 14, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off (2nd home) debt or invest more?
Replies: 8
Views: 620

Re: Pay off (2nd home) debt or invest more?

On average, stocks signicantly outperform real estate over time. So, usually better off buying retirement place when you retire. Plus maintenance and taxes, etc. If you decide to hold onto the place, you have a low mortgage rate: don’t pay it faster than you have to, keep the balance in a low-cost i...
by malabargold
Thu Apr 12, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12400

Re: Ivy school education. Is it worth it?

I have seen parents ring up bills in the many thousands of dollars at the Coop.

If one is not legacy, not an underrepresented minority, not a member of an underrepresented socioeconomic class, nor a
recruited athlete, the competition is for 1 of about 400
available spots, not 1600, at Harvard.
by malabargold
Wed Apr 11, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2474

Re: To HSA or HSA -- explain like I'm 5.

See what the out of pocket limits are
by malabargold
Wed Apr 11, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3375

Re: How do you estimate your home's market value?

Zillow is often wildly inaccurate in places with unique topography.
by malabargold
Tue Apr 10, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12400

Re: Ivy school education. Is it worth it?

My kid is a concentrator in a basic science at Harvard. Wanted to be a bench scientist and academic her whole life. She is doing research with many of the very best in the field. It’s doubtful she will get rich, but she’s exactly where she wants to be and doing exactly what she wants. That’s the bes...
by malabargold
Tue Apr 10, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12400

Re: Ivy school education. Is it worth it?

What you say about Harvard is true, except the part about
legacy; nearly 30% of the latest incoming class had legacy ties
to the College.
by malabargold
Mon Apr 09, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year mortgage
Replies: 6
Views: 1654

Re: 15 vs 30 year mortgage

With rates still on the low side, I’d take the 30 and funnel the
difference from the 15 into a low-cost index fund of your choice.
by malabargold
Sun Apr 01, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 10651

Re: What age is the best to give a child control of an inheritance?

No stock answer depends on their character and what
parents have taught
by malabargold
Sat Mar 31, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5504

Re: $20,000 book - what to do with it

Harvard also has an entire separate library (Houghton)
dedicated to preservation and display of rare books.
by malabargold
Fri Mar 30, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5504

Re: $20,000 book - what to do with it

Perhaps donate it to a rare (or medium rare) book room
of a university with the stipulation that you and your heirs
and “assigns” can accesss it.

Tax break(?), well preserved, share it’s contents with scholars
for generations and your family can still read it.

Win-win.
by malabargold
Fri Mar 30, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: medical practice reimbursement issues
Replies: 35
Views: 2468

Re: medical practice reimbursement issues

Owner v. Employee
Not much he can do except leave, unless the
are guarantees or recourse stipulated in his contract.
by malabargold
Wed Mar 28, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4053

Re: Savannah or Charleston?

Charleston is one big tourist trap.
by malabargold
Mon Mar 26, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6445

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

No signs of burnout you say?

Then you describe burnout.
Doing things only for the pay is another sign.
by malabargold
Fri Mar 23, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25974

Re: MoviePass-Too good to be true, but it's legit.

What good quality data do they expect to harvest when the game is different for MoviePass users vs. the general public?

We’ve seen multiple films that we would never have paid
$15 a shot to see since we’ve had MP
by malabargold
Sun Mar 11, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Need encouragement (on doing own taxes to save money)
Replies: 22
Views: 1912

Re: Need encouragement (on doing own taxes to save money)

Bargain your CPA down
Easy to do these days!
by malabargold
Sun Mar 11, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3656

Re: Balsamic vinegar?

Most of the stuff you buy in locally cheese/oil/vinegar shops is
pushed through 2 chief suppliers, look for Veronica Foods
on the back of bottle
by malabargold
Sun Mar 11, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3313

Re: House Hunting Concerns With Well

What about H2O quality
E. Coli. the only thing tested??
by malabargold
Sun Mar 11, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2409

Re: Plastic free coffee maker?

I have people in my family who are petroleum
chemists, “retro-synthetic organic chemists” and chemical biologists- they steer clear of plastics+ heat
by malabargold
Sun Mar 11, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3656

Re: Balsamic vinegar?

If you want less expensive but good (thick, tart-sweetish) “balsamic” go to any of innumerable franchisees of Veronica Foods, Oakland, Ca
by malabargold
Sat Mar 10, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Decisions for Widower
Replies: 20
Views: 1534

Re: Investment Decisions for Widower

If you have: up to 13 years to work, plus a pension, Plus a nest egg started, plus paid off real estate, plus College paid for the kids Plus a good cash fund already on hand The first of every month(or a day of your choice) I’d drip $20,000 into a total stock fund and $5000 into a total bond fund un...
by malabargold
Sat Mar 10, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: sell or keep home?
Replies: 7
Views: 723

Re: sell or keep home?

We get attached to people and animals, not things.

Keep fond memories but not the house.

The increased financial shape you’ll be in may enable
you to better help your kids today or further down the
road of the future.
by malabargold
Sat Mar 10, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2409

Re: Plastic free coffee maker?

Bonmac dripper
by malabargold
Fri Mar 09, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Large cutting board recommendations
Replies: 12
Views: 1370

Re: Large cutting board recommendations

I prefer hardwood boards, especially for hot items.

Don’t for get mineral oil to keep it from drying out.
by malabargold
Thu Mar 08, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3688

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

I wouldn’t let financial considerations come into play here.

Pick the program the “kid” likes best.

It won’t be a terrible burden for your child to pay off
1-2 years of loans, even after they stew.
by malabargold
Tue Mar 06, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25974

Re: MoviePass-Too good to be true, but it's legit.

It was correct at the time posted

They showed up as supported viewings and we did it
multiple times

Since new terms of service, it is no longer an option
by malabargold
Tue Mar 06, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 5544

Re: Which car, Porsche Cayenne or Volvo XC90?

Look at an E-400 wagon
by malabargold
Mon Mar 05, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Pay off low interest student loan quickly or pay the minimum and invest?
Replies: 6
Views: 731

Re: Pay off low interest student loan quickly or pay the minimum and invest?

We could only tell you the best course if we could predict
the future.
Stocks can and do decline for prolong periods.
Take the sure thing and pay off the debt first, then invest.
by malabargold
Sun Feb 18, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2848

Re: Selling Timber

Get sealed bids from loggers.
If it’s only 350 trees they may not do that
by malabargold
Sun Feb 18, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1397

Re: Vancouver Vacation (Canada)

If you go to Vancouver Island high tea at the Empress is nice as
are Butchart Gardens. If you can get up to Campbell River for
running the “fjords” that is incredible
by malabargold
Fri Feb 09, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 6959

Re: Suggest coffee maker please

Technivorm is good but way over $100

An aeropress as mentioned many times is $20 and
beats them all

If you want to limit exposure to heated plastics then get
a $12 Bonmac ceramic pour-over
by malabargold
Tue Jan 30, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1631

Re: Paris Hotel Recommendations

George V
by malabargold
Thu Jan 25, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3839

Re: Strategies to combat the urge to spend?

1)Try to think of anything you’ve ever bought that’s brought
to you true as lasting happiness.
There. But if that doesn’t do it
2) Remember the most expensive goods you’ve purchased.
Likely caused more worry and grief than anything else.
by malabargold
Thu Jan 25, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5887

Re: Thinking About Timing the Market

Today’s highs are tomorrow’s lows.

But by all means sell if your psyche is so tied
up in net worth you can’t stomach losses.
by malabargold
Sun Jan 21, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 1983

Re: Disability Insurance - Physician

Get a long exclusion period to get best premiums.
by malabargold
Sun Jan 21, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25974

Re: MoviePass-Too good to be true, but it's legit.

As a bonus, if your cinema offers live streaming of performances
of things like the Bolshoi Ballet, it will work for those, too.

It does NOT cover the full price, but does pay up to the customary movie charge toward the price.
by malabargold
Sun Jan 21, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Any good blog for kids who want to pursue medicine ?
Replies: 10
Views: 818

Re: Any good blog for kids who want to persue medicine ?

I would argue that it’s far more important for you
to expose him to a world of other possibilities before, as a 9th grader, he chooses what to do with the rest of his life
by malabargold
Sun Jan 14, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12549

Re: Is it time for me to "call in rich"?

Don’t count your chickens quite yet.
The markets have been booming
Close to a decade
Figure in a pull back of 30%
by malabargold
Thu Jan 11, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8498

Re: How much/little money to give kids in will so they continue to work

We gave our kids a lot.

They work like dogs.

Possibly because it
gave them the economic freedom to follow their
interests without regard to remuneration.

Greatest gift.
by malabargold
Wed Jan 10, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1588

Re: Cars in college

Freshman year, absolutely not.

See how it goes, and decide from there.

These days with Uber and Lyft cars on campus are needed
less than ever, and could spare a lot of problems.
by malabargold
Mon Jan 08, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7216

Re: Lowball offer on a home

The owners likely don’t care what you plan to spend on it and will be offended by lowball, how it usually goes.
by malabargold
Mon Jan 08, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3143

Re: Use HSA money or pay out of pocket?

We always invest ours in stock ETF’s for remote future use,
but it always comes down to what your’re invested in and how soon your need to start draw down will be
by malabargold
Sat Jan 06, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car purchase - with a little twist
Replies: 15
Views: 2060

Re: Bogleheads car purchase - with a little twist

Consider offering the residual back to the parents
by malabargold
Sat Jan 06, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3688

Re: Why Edward Jones?

It boils down to added value. If these companies could add net value, we would all be beating down their doors, happy to pay any layer of fees long as there was net added value. They can’t, so we aren’t. In what other avenue of life does one ever hire help and not expect that party to act in their b...
by malabargold
Fri Jan 05, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27566

Re: Hitting The Sell Button

Mid- late fifties.
95-100% stock since the 1960’s.

Held steady through many ups and downs.

Now we have so much more $ than our needs, we
couldn’t care less if the market tanks.
by malabargold
Fri Jan 05, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 14873

Re: Backdoor Roth: How Long To Wait For Conversion?

We do it the next day.
We have been audited.
Clean bill of health.
YMMV.
by malabargold
Fri Jan 05, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: How Many Stocks Are Really Needed in Index Funds?
Replies: 52
Views: 3287

Re: How Many Stocks Are Really Needed in Index Funds?

For a site dedicated to the champion of low-cost broad index funds, it always amuses me how many people tilt/concentrate holdings or otherwise try to get an “edge” to achieve “ better than average” returns.
This incessant yearning (greed?) is precisely what leads people off the Boglish path.