Search found 420 matches

by blueman457
Wed Jan 02, 2019 6:37 am
Forum: Investing - Help with Personal Investments
Topic: You're smarter than me, so...
Replies: 16
Views: 4192

Re: You're smarter than me, so...

Hello Boglehead community, I am grateful to have your input on a few questions/ideas. I learned about the Boglehead philosophy through reading John Bogle’s books as well as the 2 Boglehead books. This has been in the past 2 years, so I am trying to align my situation with the principles I’ve been l...
by blueman457
Wed Jan 02, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1637

Re: Router with VPN - experiences?

I flashed a Netgear Nighthawk R 7000 with DD-WRT and set it up per NORD-VPN’s instructions. NORD has some really good two year deals that get displayed when you browse for routers and reviews after visiting their site. Have been very happy with it. Home network so nothing so demanding. Had to put a...
by blueman457
Sun Dec 30, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1637

Re: Router with VPN - experiences?

I get what you are trying to accomplish, especially as your ISP already knows a lot about who you are, and all your traffic passes through them. All a VPN really does is kick the privacy can down the road to your VPN provider, who have been found in some cases not adhering to their stated privacy p...
by blueman457
Sun Dec 30, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay off med school loans
Replies: 18
Views: 1518

Re: Best way to pay off med school loans

Mathematically, it makes the most sense to pay off her loans. But in terms of simplicity, I'd pay off your loans first as she is pending PSLF. Regardless, pay off your student loans as much as possible. It's a large albatross around your neck. It's liberating to have mine paid off (also very high in...
by blueman457
Sat Dec 29, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1637

Re: Router with VPN - experiences?

A VPN is an encrypted “tunnel” to another location (VPN service) which decrypts the data on the tunnel and sends it to the final destination unencrypted (although most web traffic is itself encrypted end-to-end thanks to https). What VPN service are you planning on connecting to? How much will they...
by blueman457
Sat Dec 29, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1637

Router with VPN - experiences?

Q: Does anyone have experience setting up multiple home wireless networks? I'm not a network engineer, but I can follow instructions and use command line interfaces. I am looking to setup a router with a VPN, to protect against privacy invasion from ISP and other marketers, etc.... Recognizing that ...
by blueman457
Fri Dec 21, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3470

Re: Email Accounts - How Many / Security / Best Practices

I have a number of accounts, but my primary one is fastmail.com. It's $50/year, and offers great security and privacy. It has multiple 2FA options, I use the OTP option and just activated a couple of Yubikeys with it. That way if I lose my yubikey, I can use the OTP on my phone and vice versa. If I ...
by blueman457
Mon Dec 17, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 1955

Re: Physician Loan and Buy vs Rent (already searched forums)

I've been in your shoes/currently wearing similar shoes. Renting is a better option for you right now because you are cash poor. You have very little flexibility should something not go as you expect. You're going a great job on paying off your debt and if you make partner, you'll be in better shape...
by blueman457
Sat Dec 15, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Physician-Need Advice
Replies: 8
Views: 1005

Re: New Physician-Need Advice

You're doing well as you've got your financial house in order. Recommendations: -Do the full 403b contribution; it'll lower your tax bracket a little bit and it's tax-deferred space you'll lose every year if you don't use it. -Knock out the student loans; I have a smaller amount when I become an att...
by blueman457
Sun Dec 02, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 20999

Re: Best values at Costco? Honestly, a little disappointed...

I'm not always convinced that things at Costco are always cheaper, but for the same price point they are at least of better quality.

Blue Man
by blueman457
Fri Nov 23, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13995

Re: Physician Credentials: Offshore vs. American Medical Schools

There is no clear cut evidence to show that US medical graduates are better or worse than foreign medical graduates. Location/reputation of residency/fellowship program is much more important than the location of the medical school. US citizens that graduated from Caribbean schools typically means ...
by blueman457
Tue Nov 13, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8317

Re: Finances in NYC

I signed and returned the offer letter today. So barring unforeseen circumstances I will be in NYC in 2-3 months. I had kind of known I would be offered the job for the past 6-7 weeks so I had been thinking about it since that time. Expenses: Rent : I have been concentrating my search from UES down...
by blueman457
Tue Nov 13, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10123

Re: Amazon says TurboTax 2018 will be released November 12

How much will it cost to efile a state return? I can't seem to find a clean answer.

Blue Man
by blueman457
Sat Nov 10, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 924

Re: HIPAA Information available to out of town ER or not?

I get calls ALL THE TIME from ERs who don't have a pediatric neurologist, including ERs who don't have anyone in their system. There is a severe shortage of peds neurology in most parts of the country, and I frequently find myself on the receiving end of un-paid consultations. "Hey Dr. Neurosphere,...
by blueman457
Sat Nov 10, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 924

Re: HIPPA Information available to out of town ER or not?

Edit: my uninformed opinion is indeed uninformed. Should've stopped after writing the disclaimer. Disclaimer: I am not a medical professional. My understanding of HIPAA leads me to think this is a CYA thing. I'd be interested in hearing from the myriad medical professionals here though. https://www...
by blueman457
Sat Nov 10, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8317

Re: Finances in NYC

Financially, it's side-ways. Things cost more, but you get paid more. As others have mentioned, it's a great opportunity to move up in the career totem pole. If you're not tied down by family/kids/other obligations: go for it - living in NYC is fun, and you get to experience things (for better or wo...
by blueman457
Sun Nov 04, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 1071

Re: IT Help Needed: Best Way to Backup a Phone?

I don’t intend to start a smartphone war, but your reasons are why I choose to get an iPhone. I can backup locally with encryption with ITunes. I know this doesn’t help you now, but may be a consideration for your next smartphone.

Blue Man
by blueman457
Sun Nov 04, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 807

Re: tips to protect identity

To help prevent credit card fraud, I use Apple Pay as much as possible. It generates a one time token for each transaction so the merchant never sees your actual credit card number. Within the next few years, hopefully more contactless terminals will be rolled out so I can use it everywhere. Blue Man
by blueman457
Sat Nov 03, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 902

Re: Should I buy a fire truck?

Go for it!

No idea what you'd do with it.
by blueman457
Tue Oct 30, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3379

Re: Kevin O'Leary: owning a car is a terrible idea

Many of the responses are approaching it in a narrow fashion. 1. Cars are more expensive than the list purchase price. Maintenance, fuel, insurance are often not considered. 2. Yes public transportation needs to get better; but much like the "google bus", can you get more work done sitting on a bus/...
by blueman457
Sun Oct 21, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17146

Re: Where would you go for financial guidance if you win the Megamillions?

First, this will never happen to any of us. The odds, yadda, yadda.. Plus I never play. Waste of money, creates gambling addictions, its a tax on those that can't do math, the poor etc. $2 is a cheap price for admission if you consider the entertainment value of daydreaming what would happen if you...
by blueman457
Fri Oct 19, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Loss, confirming how to file 1040
Replies: 9
Views: 573

Re: Capital Loss, confirming how to file 1040

FiveK wrote:
Fri Oct 19, 2018 1:29 pm
1. Yes.

2. What do you mean by "ok"?
I guess: are there reasons NOT to sell given the parameters?

Thanks,

Blue Man
by blueman457
Fri Oct 19, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Loss, confirming how to file 1040
Replies: 9
Views: 573

Capital Loss, confirming how to file 1040

I started my first significant taxable account this year, and I only have international in that account. Loss is about $1500 (almost 10%). These would all be short-term losses. If I decide to sell all my international this year, I could claim $1500 in capital losses on my 1040 Schedule D. 1. Does th...
by blueman457
Wed Oct 10, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?
Replies: 4
Views: 504

Re: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?

I used quicken for windows in the past and now use Banktivity in a Mac. I tried moneydance in the past and didn’t like it as much. The initial import from Quicken to Banktivity (aka ibank) didn’t go very well, so I ended up starting fresh with Banktivity. I did keep a virtual machine for running ran...
by blueman457
Tue Oct 09, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Tax TIAA Traditional vs taxable VWITX
Replies: 5
Views: 500

Pre-Tax TIAA Traditional vs taxable VWITX

Q: Where should I put my "bonds" investment in a pre-tax TIAA Traditional yielding 3.5% currently or taxable VWITX (SEC yield 2.56)? All, I've been debating the above question for a while and wanted to post it to the group. I'm in a relatively high marginal tax bracket (Fed 35%, State 5%) and curren...
by blueman457
Sat Oct 06, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10246

Re: What is your annual cost for health insurance?

$240/year for HDHP; employer heavily subsidized
$6900/year for HSA
$6000 Out of Pocket In Network

Blue Man
by blueman457
Sat Oct 06, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13224

Re: What purchase saved you the most money?

I'm going to be contrarian here. Things that saved you money but cost your labor seem to come up a lot - i.e. washing your own car, mowing your own lawn, etc. Why do people tend not to value their labor? Things that saved you money but aren't really comparable - i.e. buying a Honda over a BMW. Peop...
by blueman457
Tue Sep 25, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Federal Income Tax Payment
Replies: 7
Views: 839

Re: Estimated Federal Income Tax Payment

...If it would be possible to withhold enough from remaining paychecks to meet safe harbor, that would get around the problem. The IRS considers withholding to have been made equally throughout the year, no matter when the withholding was actually done. ^This is what I would do. You can select an a...
by blueman457
Tue Sep 25, 2018 4:08 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 743

Re: Is there any point to keeping old X-rays?

If you have a x-ray in film it might be worth more as an antique! But to answer your question, it isn’t worth keeping the film for medical purposes. It was normal, then just make note of it. I don’t even know if primary care physician offices come with light boxes to look at x rays any more as every...
by blueman457
Mon Sep 24, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Federal Income Tax Payment
Replies: 7
Views: 839

Estimated Federal Income Tax Payment

Q: How do I make an estimated federal income tax payment? Just use https://www.irs.gov/payments ? And then when I file my 2018 federal income, I just put $10,000 down for line 65 for "2018 Estimated Tax Payments"? All, I started to calculate how much I may have to owe come tax filing time for 2018 (...
by blueman457
Sun Sep 23, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6518

Re: Emotional Investor - I'm a mess and need help!

As a fellow physician, I see a lot of my physician friends who "dabble" in investing. I echo a lot of the advice others have given, and some that I've given to others. 1. Find another hobby to occupy your time. Rock climbing, marathons.... anything other than investing. 2. Being average is ok. All p...
by blueman457
Sun Sep 23, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11847

Re: Minimalist Lifestyle

Buy a smaller home. We've moved around the past few years (work, kid, etc...), and the smaller your home, the less space your realize you "need" and less space to hoard things. Could we live out of a suitcase right now? No. But if we were going to be nomads and travel for a year, could we do it, yes...
by blueman457
Sun Sep 09, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Successful techniques to helping parents be less risky?
Replies: 15
Views: 1265

Re: Successful techniques to helping parents be less risky?

Do they have enough retirement income (social security, pensions, annuities) to cover their expenses? If they do then they can afford more risk. Social Security, but not enough to cover all expenses. How did he react when the market pulled back 10% earlier this year? I personally didn't know that t...
by blueman457
Sun Sep 09, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Successful techniques to helping parents be less risky?
Replies: 15
Views: 1265

Successful techniques to helping parents be less risky?

Q: How do I convince my dad to move to a more appropriate asset allocation for a 75yo? I was talking to my dad the other day about his overall retirement portfolio. One of the things I found out that it was about 80% equities, with 50% of the equities in 2 blue chip stocks. Despite the lessons of th...
by blueman457
Thu Aug 30, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3440

Re: Nanny online payment services - why are they so expensive?

Saves time? It's not hard to write a check, but it seemed tedious to track and pay federal, state, and local taxes. There are some computer based software programs that do it for you (glorified accounting software really), and some of the nanny pay services will keep track of your taxes while you wr...
by blueman457
Thu Aug 30, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2980

Re: Body language coach?

rjbraun wrote:
Tue Aug 28, 2018 1:21 pm
Consider taking an improv class. I have taken them in the past, though I am not familiar with the program shown below.

http://steelcityimprov.com/classes/
+1 someone I know who’s is an introvert thought improv classes helped him present better and think on the fly.
by blueman457
Sat Aug 25, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5556

Re: Is Treasury Direct worth the hassle?

Posts like these concern me: https://www.bogleheads.org/forum/viewtopic.php?t=220965 .. but there's no other way to buy I-bonds, so I suck it up and deal with it for that. I'm not sure I understand their logic for what actions require a Medallion Signature Guarantee. The last time I added an online...
by blueman457
Thu Aug 16, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4222

Re: High tax bracket - Go 100% Roth in tax advantaged?

For your non-govt 457, make sure the distribution options are ok. I had one where you had to take a lump sum upon termination which was not going to be favorable with regards to taxes.

Blue Man
by blueman457
Fri Jul 27, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Considering an Online Banking Move - Sub Accounts?
Replies: 3
Views: 432

Re: Considering an Online Banking Move - Sub Accounts?

Ally Bank does not, although I wish they did. They said I could just open up more accounts. Which I did.
by blueman457
Wed Jul 25, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Maintaining Privacy from data brokers
Replies: 2
Views: 403

Maintaining Privacy from data brokers

All, I had knew these websites existed, but I came across https://www.usphonebook.com/ the other day when I was doing a reverse phone look up. It was rather disturbing how much information was readily available and accurate. Using a name or phone number, it can pull your current and historical home ...
by blueman457
Mon Jul 23, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Looking for post-mortum financial advisor
Replies: 6
Views: 858

Re: Looking for post-mortum financial advisor

Speaking from experience (although I am still alive): develop the relationship, then die. Not vice-versa. You will know what type of person you are dealing with, and what their strengths and weaknesses are. If they pressure you, for example, they will torture your spouse. Meet with this person annu...
by blueman457
Sun Jul 22, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for post-mortum financial advisor
Replies: 6
Views: 858

Looking for post-mortum financial advisor

All, Q: what should questions should I ask a fee-only financial advisor? I've started to look around for a post-mortum financial advisor. I am more than comfortable managing our finances, but when I pass away I'd like to know my wife could arrange a meeting with someone to help her out. Quick points...
by blueman457
Sat Jul 21, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1755

Re: iPhone to Android in 2018...

I’m not sure if you use FaceTime very much, it is a significant feature that my android toting friend wishes he had.

Blueman
by blueman457
Sat Jul 21, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Macs, Time Machine, and NAS?
Replies: 10
Views: 1170

Re: Macs, Time Machine, and NAS?

Use synology with time machine for many years- never a problem. I use a Synology NAS for Time Machine backups via AFP and it works as expected. Do you use the NAS over wireless or through a wired connection? Since you're already using Arq to backup to the cloud (OneDrive) why not use it to also bac...
by blueman457
Fri Jul 20, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Macs, Time Machine, and NAS?
Replies: 10
Views: 1170

Macs, Time Machine, and NAS?

All, Q: Does anyone had consistent success for using a NAS for Time Machine Backups? What NAS are you using? Or any other lower cost options? I currently use ARQBackup to backup to oneDrive. It's a pretty good piece of software, just not the easiest to use. I've been wanting to use Time Machine + NA...
by blueman457
Sun Jul 15, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7971

Re: Anyone not have a Budget?

I guess I'm in the minority because I track my budget. It allows me to plan major expenses and come up for what we want to do. I don't go through the motion of: "over spent on gas, therefore we have to spend less on eating out" as my monthly expense are less than post-tax income. If I didn't track o...
by blueman457
Sat Jul 14, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3562

Re: Coffee Grinder recommendations

Definitely Baratza. Don't even overthink it. Just buy it and never look back. +1. I grind beans for espresso every morning and love my Baratza Encore. I bought it based on Baratza's reputation for durability, and it's been trouble free for the 3 years I've been using it. Looks like it's dropped in ...
by blueman457
Sun Jul 08, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2230

Re: Socially Responsible Funds (I want to be socially irresponsible)

It seems fine. It's fair that your wife wants to start to be socially responsible, and this is one area that she wants to be involved in. Can you agree with something more than 100%, because if you can, I want to with this comment. Sadly, people who think like your wife can’t be persuaded, it’s all ...
by blueman457
Sat Jul 07, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2849

Re: Having first child - Life Insurance question

I went through this exercise when my child was born (a couple of years ago). Used term4sale.com (old school looking site, but works well), found an independent broker, and after all my calculations of this and that, ended up with ~10x income for life insurance.

Congratulations!

Blue Man