Search found 365 matches

by blueman457
Wed Jun 20, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 6
Views: 89

How to evaluate charities to donate to?

Blue Woman and I are looking to be more charitable now that we have gotten our financial feet on the ground. How do you evaluate charities to donate to when they are not in your home town or you have a personal connection to? I have used charitynavigator.org in the past to see how efficienct non-pro...
by blueman457
Sun Jun 17, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 37
Views: 2705

Re: iPad Pro 12.9": Replacement for Laptop?

If those are all your needs, then an iPad Pro would definitely work. Blue Woman uses her iPad Pro for reading and annotating documents for work. My mother in law uses her iPad with a keyboard and does a lot of typing on there too. Both of them have Mac laptops that they use for other purposes. Would...
by blueman457
Fri Jun 15, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3899

Re: Apple MacBook Air On Sale $699

It is rumored that the MacBook Air will be updated: https://www.macrumors.com/2018/04/30/apple-to-delay-macbook-air-2018-model/ I have a 13 inch Mid 2013 MacBook Air. I find for my need this works great for me, and it still going strong. +1 I have a 2013 that I still use regularly (got a new one fr...
by blueman457
Thu Jun 07, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5062

Re: daughter wants a college transfer?

I also went to a top 20 university for pre-med, but fortunately I enjoyed my time in college. Just scrolling through the top 20 universities, Cornell definitely has the largest student body (14k), so now I'm not surprised that some of her classes have few hundred people in them. That being said, the...
by blueman457
Sun Jun 03, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Banking Security
Replies: 10
Views: 989

Re: Banking Security

It's not possible for any significant amount of money to be stolen from any account I have without my knowing it soon thereafter. I'm set up with many different kinds of text and email alerts for all accounts. Simple (?) things, like using a password manager, having pins on accounts where accepted,...
by blueman457
Sun Jun 03, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Banking Security
Replies: 10
Views: 989

Banking Security

Q: How have folks protected themselves in the event their primary source of money was hacked?  Or has someone had a significant amount of money stolen from their primary account and what happened? Or am I thinking too hard? In the digital era, it seems that its not if you will be hacked but when.  S...
by blueman457
Sat Jun 02, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7445

Re: Is our monthly Personal money out of line?

We do zero. All money goes into a joint pot, all bills are paid out of joint pot, including savings. I don’t understand the need to “allocate” to him/her needs. Home Depot expenses whether they be tools or supplies are for the home, the one we jointly live in. Just curious, how do you decide how mu...
by blueman457
Sat Jun 02, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7445

Re: Is our monthly Personal money out of line?

It’s more than what we give ourselves (despite having a higher income), but if you’re meeting your savings goals go for it. My wife and I have a joint checking, and separate personal spending accounts.

Blue man
by blueman457
Thu May 31, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

OP here:

Thanks for all the replies. Some interesting points (Alaskan, Disney, etc...) brought up. My siblings and I will have multiple rounds of discussions.

Blue Man
by blueman457
Wed May 30, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8748

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection... Why would folks leave it on if you are sleeping? Why do you turn it off when you’re sleeping? I leave my router on overnight so my devices can download updates and computers can back themselves up....
by blueman457
Mon May 28, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

Question: what are good cruise line options for people who don't like cruises? Much to my chagrin, my parents want to do a family trip on a cruise ship next year. Ages range from late 60's (parents) = 2, 6 of adult children (spouses included), and 4 kids (2-12yo). Total of 12. Half of the adult kid...
by blueman457
Mon May 28, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Cruise ships for multi-generational family

Question: what are good cruise line options for people who don't like cruises? Much to my chagrin, my parents want to do a family trip on a cruise ship next year. Ages range from late 60's (parents) = 2, 6 of adult children (spouses included), and 4 kids (2-12yo). Total of 12. Half of the adult kids...
by blueman457
Sun May 27, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4225

Re: Please help with grocery budget

antheus wrote:
Sun May 27, 2018 9:40 am
1300 a month for 4 people
325 a month per person
10.80 per person per day
3.60 per meal

You don’t waste food, you buy in bulk, you don’t eat out, and you eat well. I’m sure you can cut down but at the same time this doesn’t seem bad at all.
+1
by blueman457
Sun May 27, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 2999

Re: Cheapest ways to watch NBA playoffs

I search google for "reddit nba stream" and pick a stream off reddit.
by blueman457
Sun May 27, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Google WiFi and Verizon FIOS
Replies: 10
Views: 865

Re: Google WiFi and Verizon FIOS

It’s been a few years since I’ve had FIOS but I had the following setup (something like this): Wall Ethernet to Apple Router (wifi). Apple Ethernet to Verizon Router. Verizon router to TV box. You have have the Verizon “router” to get your TV channels, but I can’t remembet why. Reason: The Verizon r...
by blueman457
Sat May 26, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: How LTCG and NIIT work?
Replies: 3
Views: 331

How LTCG and NIIT work?

Q: What is my tax rate if I sell my index funds to pay for college? I've starting coming to the conclusion that I shouldn't "max out" my 529 contribution given the variables of life and I'll fund college through a 529 and taxable investing. As noted in my previous posts, I'm new to taxable investing...
by blueman457
Fri May 25, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 3860

Re: When did this start??

I've noticed this before and it's a bit sneaky in my opinion. I'm an ok tipper (not horrible, not great). I think it'll all poorly constructed because the back of the kitchen line chefs need better income support. Ex: if you have really good food you might leave a better tip, but that doesn't go to ...
by blueman457
Thu May 24, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 158
Views: 5725

Re: Purchasing a house, downpayment vs. retirement and other considerations

Interesting thread. I'm usually pro home buying than most folks here. But I think you're pushing yourself a little thin. I had a similar budget before I bought my place, but I have a significantly higher income than you (probably 2x) and I still feel a little up and down about my $1m home. I totally...
by blueman457
Mon May 21, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 1873

Re: When should we stop contributing to our 529?

I'm not in your shoes yet, but I do anticipate being the same situation in 9-10 years. I'm tentatively planning on funding to about public school tuition, then just putting it in taxable to give myself some flexibility.

Blue Man
by blueman457
Sun May 20, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12201

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of...
by blueman457
Sun May 20, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12201

Re: done with Gmail

I use fastmail.com; company out of Australia that respects your privacy. No ads, about $40/year. Has a good calendar and contacts system.

Blue Man
by blueman457
Sat May 19, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6121

Re: What’s your phone/internet bill?

Phone: $110 for 2 lines; 24GB a month; Verizon
Internet: $20, but split with another family because the apartments are close

I haven’t tried in a while to negotiate my phone coverage because I can’t find a good as a deal with any of the major providers (or major MVNOs).

Blue Man
by blueman457
Mon May 14, 2018 1:33 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11568

Re: The front page is ugly

I hear Edward Jones has a pretty snazzy landing page. :wink: I know that was in jest, but it's true. And if a random fella spent a few minutes surfing the net to try to find financial advice, most FA sites would come across as far more professional than BH.com. The point of a better, more professio...
by blueman457
Mon May 14, 2018 10:36 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11568

Re: The front page is ugly

... All the OP is asking for is for the front page to be consistent with the professionalism of the sub-form pages. ... Then might I suggest the OP load this as his bookmarked link: www.bogleheads.org/forum/search.php?search_id=active_topics Thank you! Much easier to read than the home page.
by blueman457
Mon May 14, 2018 9:22 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11568

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/con...
by blueman457
Mon May 14, 2018 8:02 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11568

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/cont...
by blueman457
Fri May 11, 2018 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3113

Re: How close do you cut your monthly surplus?

I’ve asked myself a similar question and asked this board before for input. Right now, I am contributing maximally to my tax deferred accounts and complete a backdoor Roth annually. I have budgeted 85% of my after tax dollars for expenses and the other 15% for miscellaneous expenses or put into savi...
by blueman457
Wed May 09, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6213

Re: Do we spend too much on food?

How much you spend on one budget category is pretty irrelevant. We spend about 1.5K per month between groceries and eating out. Just me and my wife in Chicago. I know people who would faint upon hearing that but we have a 40% gross savings rate and make $300K/yr so who gives a you-know-what? We eat...
by blueman457
Mon May 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6271

Re: How much car to buy on $250K income, $200K NW, newborn on the way

$25k max, but it depends. I don’t think there is a hard and fast rule on a specific dollar amount. I like that you have a plan to pay in cash and have a very sizeable amount to spend if you so desire. That said, the purchase price has to be taken in context with your other savings goals and values. ...
by blueman457
Sun May 06, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2116

Re: Start 529 Plan?

Again, it's hard to say without knowing the full picture. But if you're doing a backdoor Roth I assume you're probably on the higher income side. Assuming your retirement savings and general cash savings are appropriate, a 529 should work. I am planning on balancing between a 529 and taxable account...
by blueman457
Sat May 05, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Starting Taxable Investing with Schwab
Replies: 1
Views: 368

Starting Taxable Investing with Schwab

Q: How do you know if a mutual fund can be transferred in kind? I plan to start a taxable investing account in the next few weeks, and already have a brokerage account with Schwab so I'll start with them. I plan on using their Total Market Mutual Fund (SWTSX), but if down the road I'm not happy with...
by blueman457
Fri May 04, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4550

Re: How are you widow-proofing?

I have a document that gives advice to my wife. Pretty much just says how to rollover the accounts into her name and invest in low cost retirement funds. In the same boat but I don't want to simplify my investments any further. I plan to walk my wife through my investments and the Bogle head philoso...
by blueman457
Thu Apr 26, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Portfolio Review [Updated 2 years after]
Replies: 12
Views: 2194

Re: New Physician Portfolio Review [Updated 2 years after]

Ah, you’ve hit the trap of the non-govt 457b. I ended up not using my hospital’s 457 because of the poor distribution options. You have to think hard about taking a distribution in 20-30y. Hospitals do fail (not common though) so that’s the risk when you take the distribution that far in the future....
by blueman457
Wed Apr 25, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another house budget question
Replies: 24
Views: 2193

Re: Another house budget question

In terms of pure net worth with a good income, yeah it could work. You’re looking at ~$6k mortgage plus property tax plus maintenance + 6k monthly expenses. In the future (with potential kids) you may be cash flow negative, so you have to be comfortable selling taxable to keep things moving forward....
by blueman457
Fri Apr 20, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking Question
Replies: 9
Views: 617

Re: Online Banking Question

I have used USAA exclusively as my bank and provider of insurance for the past 5 years. I currently have a checking and savings account, credit card, renters, car and umbrella insurance policy - all through USAA. I'm now finishing medical training and will be saving aggressively for a home downpaym...
by blueman457
Fri Apr 20, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Pay for medical school or Roth conversion
Replies: 15
Views: 919

Re: Pay for medical school or backdoor Roth

Agree with above that converting to Roth is an excellent option. That being said, will it affect any grant/scholarship money that you might receive?

Blue Man
by blueman457
Mon Apr 16, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1961

Re: Summary of Emergency Fund Options

You seem to be mentioning stock funds for an emergency fund. I would respectfully disagree with that approach. Ine ahould have 6 months of expenses in cash or bonds, whether in the portfolio or a separate emergency fund. But not stocks. This is an idea that has been floated around on a few differen...
by blueman457
Mon Apr 16, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1961

Re: Summary of Emergency Fund Options

I Bonds : "joint" I Bonds show up in only one owners account Here is how to fix: Go to your account> ManageDirect menu > Manage My Securities subtitle > Assign View or Transact rights > Select Series I Savings Bond then click submit > Select the bond you number you want to give your spouse access t...
by blueman457
Sat Apr 14, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1961

Summary of Emergency Fund Options

Yes, another Emergency fund question.... I'm thinking of re-working my emergency fund and wanted folks to comment if I'm missing any pro-cons.  I've read the wiki and dozens of threads.  I am currently in a higher tax bracket. Plain savings account (ex: ally savings): Pro: easy to use Con: ok return...
by blueman457
Mon Apr 09, 2018 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403(b) early in year
Replies: 10
Views: 698

Re: Maxing out 403(b) early in year

The only catch up the employer match. It seems that some companies will match monthly as long as you contribute monthly. My employers have not had this stipulation but others on this board have.

Blue Man
by blueman457
Sun Apr 08, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6505

Re: Structuring Newlywed Finances for Fairness and Less Arguments

My wife and I do the allowance method. Our paychecks go into a shared account and we have our own personal accounts for discretionary spending. While my take home income is 5x hers, we get the same allowance. She does a lot of unpaid work (aka primary care giver). How you split things up to you is a...
by blueman457
Sat Apr 07, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 918

Re: Please Evaluate My Portfolio and Make Recommendations

Welcome to the forum! Glad to know that you've found good information so far. Regarding your portfolio: it's hard to us to know what that tickers/acronyms are, so using the formal name would be helpful. How much are you setting aside for retirement savings now between the TSP/Roth/Traditional? Gener...
by blueman457
Thu Mar 29, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Taxable Investing vs Donor Advisor Fund vs ???
Replies: 9
Views: 438

Taxable Investing vs Donor Advisor Fund vs ???

After paying off significant debt, we are starting to save for a down payment, and figure how "give money" to charities. The new tax laws change things a little bit so I'm trying to understand the implications of each. Is my understanding correct? I've read this: https://www.bogleheads.org/forum/vie...
by blueman457
Mon Mar 26, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 4963

Re: Tips for moving to NYC

If groceries are your biggest concern at this point, I think you'll be fine. We ate pretty well (grocery wise): and spent ~$600-900/month for 3 adults and a kiddo. Caveat: we didn't shop sales, coupon clip because it wasn't worth the time for my wife to meal plan around what was on sale. You can def...
by blueman457
Mon Mar 26, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6756

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

It's great that you're in a position that you don't need the money. One potential option: can you afford (time wise) to take a couple of days off after that hellish week to decompress? Part of the problem is that for that week you are working two jobs. Would it be possible, or economical, to schedul...
by blueman457
Sat Mar 24, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 4963

Re: Tips for moving to NYC

Good advice from previous posters: I'm considering changing companies to one located in Manhattan. I will likely NOT have a vehicle. I have two toddlers and a wife. Some questions for you NYC bogleheads: 1) The company builds large projects located all over the city. My work location would change ev...
by blueman457
Fri Mar 09, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3858

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

I did my residency and fellowship at Harvard and knew several MD/PHD and can tell you all those institutions you mentioned are excellent, but there is only one Harvard. Does that matter at a training level I don't know, but does matter if you are on Harvard's faculty in the future. There is a reaso...
by blueman457
Fri Mar 09, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2150

Re: Anyone ever have success getting out of a lease?

In NYC, I had signed a 2 year lease. Halfway through I had to break the lease because we were moving cities. I offered one months rent and gave the apartment back in prime renting season which the landlord accepted.


Blue man
by blueman457
Thu Mar 08, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1629

Re: Best Mac budgeting and finance tool?

I use Banktivity, but not sure how well it works without linking accounts.

Blue Man