Search found 389 matches

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: 69
Views: 3912

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: 62
Views: 5447

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: 1196

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: 1196

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: 3275

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: 2884

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: 4766

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: 4086

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: 408

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: 305

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: 818

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: 818

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: 1640

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: 1089

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: 1089

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: 7479

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: 3352

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: 2064

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: 2714

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
by blueman457
Thu Jul 05, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3728

Re: Where to put international?

OP here.

I know you can’t predict the future, but for overall increased net worth, it is worth sacrificing ROTH space for international over TSM?

I am in a high tax bracket with state income tax.

Thanks.

Blue man
by blueman457
Wed Jul 04, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3728

Where to put international?

Q: I'm constantly have this debate in my head: where should I put international index fund? I have access to the following accounts. I have only now just started a taxable account. 401(a): Total stock market; 403(b): TIAA traditional/Total Bond Roth: Total Stock Market/International/ REIT It seems h...
by blueman457
Wed Jun 27, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6974

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

My understanding is that the cleaning fee is set by the owner, the service fee is set by Airb&b, and the occupancy tax is set by the owner's local authority for short term rentals. It should be the same tax that you pay for a hotel room (which they also wait to disclose until you are on the booking...
by blueman457
Tue Jun 26, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7600

Re: Family dynamics/in laws/am I being petty?

Tough circumstances. Personally,I'd would be pretty annoyed about it not because of the monetary issue but for the lack of acknowledgement. (It happened the last week when we took some of my trainees out for food and drink. Only a single thank you for covering the $200+ tab). Not sure how to address...
by blueman457
Sun Jun 24, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account setup
Replies: 6
Views: 665

Re: Taxable account setup

I just went through this mental exercise myself as I have different goals for my investments. After reading a few posts on this, and knowing myself, I ended up creating 2 brokerage accounts: one for general savings, one for college savings. It was just easier for me to see my "buckets" separated by ...
by blueman457
Wed Jun 20, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1484

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: 47
Views: 4331

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: 48
Views: 5556

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: 5601

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: 1101

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: 1101

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: 7977

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: 7977

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: 3726

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: 9666

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: 3726

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: 3726

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: 4642

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: 3178

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: 2511

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: 365

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: 4249

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: 170
Views: 8519

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: 2122

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: 13058

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: 13058

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: 6703

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: 13609

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: 13609

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: 13609

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: 13609

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...