Search found 229 matches

by Radjob4me
Tue Sep 18, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1503

Re: Spectrum Cable TV Charges

Ha. I just went through this last week... Live in a one cable company area without any alternatives. I need cable internet for work and can't use satellite, so I'm stuck. Had Time Warner, but knew Spectrum had taken over a while back and that Spectrum was offering much higher internet speeds based o...
by Radjob4me
Fri Jul 27, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1981

Re: DisneyWorld-Needing specific advice

Being a family that loves theme parks, we have been to both many times. Two best pieces of advice I've read and totally agree with 1.) Just pick one, and preferably Disney if you have never been to either before. You would need at least a day to see each of the 4 Disney parks, and both Magic Kingdom...
by Radjob4me
Fri Jun 29, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7350

Re: Cheapest way to buy a phone in 2018?

We live in an area where Verizon is really the only quality provider of service. If you are in the same boat, and want a new phone, I would agree with the person who said the best deals on a new phone are typically in December, after Thanksgiving. 18 months ago I did a deal where we traded in all th...
by Radjob4me
Tue Jun 12, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17357

Re: Should I take possession of a certified mail?

We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. He texted me a couple of weeks ago to see whether there was any more work, and kept asking us whether the work was large enough ($2K-5K). I could not commit until I s...
by Radjob4me
Fri Jun 01, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5766

Re: Advice for assisting 18 year old son after high school

Appreciate all the replies - both positive and negative on our plans. Always great to have multiple perspectives and opinions. To clarify a bit, the "stipend" is really meant to be a graduation gift of money, but spread out so he didn't get too much at once. But after considering and reading many re...
by Radjob4me
Thu May 31, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5766

Re: Advice for assisting 18 year old son after high school

Thanks to all for the first round of suggestions. We will certainly be the backstop for any major expenses (i.e. car repairs, etc...) for a while and will provide have health insurance until he gets his own. Yes, I think we might have the aunt and uncle perhaps control some of the money for clothes ...
by Radjob4me
Thu May 31, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5766

Advice for assisting 18 year old son after high school

So after a relatively miserable high school experience - 2 concussions, 1 of which was very serious requiring months of recuperation - followed by dropping grades, alcohol/drug issues, etc... our oldest son is finally done with high school. Even though he drives us crazy at times (especially my wife...
by Radjob4me
Thu May 17, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5461

Re: New motorcycle rider

Bottom line, most things are dangerous. Power tools, guns, motorcycles, BigMacs, letter openers, etc. If you put any of these potentially dangerous objects in the wrong hands you are asking for trouble. However, when approached sensibly with a healthy respect for said object I think one can success...
by Radjob4me
Thu Apr 19, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 5014

Re: Another discussion about private vs public schools?

Wow. There are so many things in here that piqued my interest. As background I am a mid 40s physician and my wife also a college grad living in the Northeast. I went to what is typically considered a top 5 public high school in my home state. We live in a small college town (very prestigious liberal...
by Radjob4me
Fri Apr 06, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 823

Re: Waterbury, Stowe, Burlington, VT

Burlington is such a fun small city. If you want to be right in the middle of town and be by the lake with a pool, try the Hilton or Hilton Garden Inn. If you don;t mind being a bit out of town, the Green Mountain Suites are the best! Church street is so much fun on a nice day to walk around and eat...
by Radjob4me
Fri Mar 23, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 136
Views: 13202

Re: What have you baked recently?

does it count if I bake a pastrami from a slab of corned beef ? :-) Yes. That sounds great to me! Definitely counts... Would go well with the Guinness Brown Bread we recently made using Ina Garten's recipe from Food Network. Best bread of it's type that we've made to go with corned beef and cabbage...
by Radjob4me
Thu Mar 08, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7382

Re: Is this too much for a kitchen?

Since you plan to stay greater than 10 years and can afford it, then go for it! Your home should bring you enjoyment, in my opinion. If you were going to be out in three years, then I'd be more cautious. But do please get more quotes. We had a home that required a modification to the deck and replac...
by Radjob4me
Tue Feb 06, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 6044

Re: Want a Safe Car, Feel Guilty

My suggestions: Volvo S60 inscription (my current car) - completely loaded with every option was about $40k. Could get one lightly used in the low 30s I'm sure. Awesome car. Safe, peppy. And as some have shared, it is "only" 4 cylinder but more than fast/powerful enough. The "inscription" part is th...
by Radjob4me
Thu Feb 01, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: "I Volunteered for the Hospital Board and was Sued for Millions."
Replies: 44
Views: 11196

Re: "I Volunteered for the Hospital Board and was Sued for Millions."

POF- thanks for posting my long story/comment above on to Bogleheads. I have appreciated this site, yours and White Coat Investor quite a bit these last few years... When the hospital did close, not only did I have to deal with the painful situation of being a Board member under fire and being sued,...
by Radjob4me
Fri Jan 26, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5991

Re: Your favorite beach vacation destination?

Quite a collection of places! I would have to second anywhere in Hawaii for combination of scenery, activities, water/beaches, weather. We particularly liked Maui. We can't wait to get back and explore the Big Island and Kauai. But clearly the range of choices depends on your favorite activities. Co...
by Radjob4me
Thu Jan 25, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6667

Re: Thinking About Timing the Market

(4) Stock prices are at record highs. This means that if I buy stocks (today), I'm paying among the highest (worst) prices ever, but if I sell stocks, I'm receiving some of the highest (best) prices ever. Thoughts? Other than prices being "high", what about it makes that "the worst" time to buy the...
by Radjob4me
Wed Jan 24, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loans and the New Tax Law
Replies: 19
Views: 1245

Re: Home Equity Loans and the New Tax Law

It sounds like you should run your estimates through with the new rates and lack of AMT. I am a high earner in Mass and I was concerned about the smaller deductions ( including high property and state taxes paid to both VT and MA, now capped). So I was going to rush to prepay my local property tax f...
by Radjob4me
Wed Jan 24, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Can a 529 plan be used to pay for private tuition?
Replies: 41
Views: 2830

Re: Can a 529 plan be used to pay for private tuition?

Getting into the mechanics of it, I find this to be both good and bad... Really the whole idea of the 529 (to me anyway) is getting that cash in and letting it grow over time to pay for college as it also becomes more expensive. Now a good chunk of the 28k per kid, per couple could be taken away muc...
by Radjob4me
Wed Jan 24, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Can a 529 plan be used to pay for private tuition?
Replies: 41
Views: 2830

Re: Can a 529 plan be used to pay for private tuition?

FYI - Just got this alert in when Iogging into my Fidelity 529 account... "Warning Important update: Effective January 1, 2018, expenses covered by 529 accounts have been expanded to include elementary and secondary school tuition, because of the recent tax-reform legislation. You may now use up to ...
by Radjob4me
Fri Jan 12, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Rick Steves - France (or some other tour company)
Replies: 15
Views: 1585

Re: Rick Steves - France (or some other tour company)

I haven't done them, but my parents (now in their 70s) have done a few Tauck tours and loved them (I believe they are a bit pricier than Rick Steves, but not sure). They won't travel to Europe any other way. And they have made a number of friends on the tours, from all around the US, and still have ...
by Radjob4me
Mon Jan 08, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: When to drop comprehensive auto coverage?
Replies: 25
Views: 2931

Re: When to drop comprehensive auto coverage?

I personally would keep it and bump up the deductible, since you have a new car and said you could afford a new car in cash anyway - that way you'll save a little bit. But I wouldn't drop it. I had a nice new car, less than six months old with 7700 miles, that was totaled when a huge deer jumped in ...
by Radjob4me
Wed Nov 29, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6539

Re: 2018 Goals - Financial or Otherwise

- Enjoy time with my family; in particular I hope to have more time with my dad, as I will be his stem cell donor in two weeks for a transplant to attempt to cure his bone marrow failure... - Get oldest son through senior year and to graduation (not an easy task after two concussions) - Reduce spend...
by Radjob4me
Mon Nov 27, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5846

Re: failing at hobbies and leisure

As an introverted radiologist for 12 years, I'd say don't force it. If you are truly happy just being with your wife, then that's great, especially if you are moving for a new job and/or just starting out in a new practice soon I honestly have very few medical friends - I'm just not interested in ta...
by Radjob4me
Wed Nov 15, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Did you want to set up a payment plan for that?
Replies: 19
Views: 2793

Re: Did you want to set up a payment plan for that?

I am always surprised by the number of folks on these boards that like to pay cash for everything. While I understand not using credit cards and higher interest loans, not taking advantage of 0% or similar financing seems odd to me personally. Case in point - 12 months ago I bought a new Volvo S60 -...
by Radjob4me
Mon Oct 02, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2616

Re: On the video games path - how to set it up with younger kids

Your kids are about the same age as ours when we got a Wii (now boys 16, 17 and girl 14). I grew up gaming in the 80s starting with the Odyssey, then Atari, Sega Genesis, C64 computer and so on. I am now a physician in my 40s and my kids are all very good students. No ill effects that I can see desp...
by Radjob4me
Thu Sep 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46092

Re: Name something you had to have and now you regret purchasing it?

My house. Lol. It's too big. My regret too. Although I am fairly sure we will get our money back, it is huge at over 6000 sq ft and costs a fortune in utilities/property taxes and is a ton of maintenance (yes, regret 1A is that we also put in a pool that now doesn't get used by our teens.) We keep ...
by Radjob4me
Thu Sep 21, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 7731

Re: Memory Foam Mattress Recomendations

Also consider any activities that may take place in your bed aside from sleeping. :mrgreen: This is something to consider for the amorous types. We have had both spring and foam mattresses (no hybrid yet). The foam ones can really be, well, not as much fun. I mean we aren't crazy, and both within a...
by Radjob4me
Thu Sep 21, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 6437

Re: Uplifted Driveway = No Home Owners Policy ?!

Why not just go back to your original company/policy? Yes it is more expensive, but then you don;t have to pay to fix the problem that you don't want to fix. I'm not surprised at all the the company with a policy cheaper by $1000 will want things fixed or to code, etc. before insuring. At lest get c...
by Radjob4me
Sat Jul 22, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4586

Re: Healthiest Beer for the Buck

IF GMO is a concern, then I don't know that the German purity law Reinheitsgebot will save you from that. Whose to say the German brewers aren't using GMO barley? Or GMO hops? And most beers generally fall into the category of barley, hops, yeast and water. And those that don't often just have other...
by Radjob4me
Sun Jun 25, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 4575

Re: Robots Are Eating Money Managers’ Lunch

I see this taking the form of most innovations in finance. The algorithms are still written by humans. And humans are still collecting the fees at the end of the day. So let's say Betterment's algorithm beats Wealthfront across the board this year. So now they up their fees a bit and bring in more i...
by Radjob4me
Fri May 19, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 16520

Re: For those with $500k-$1m in investments...

10% taxable (checking/taxable investments)
90% tax-advantaged (IRA/401k and 529s)

We are trying to grow our taxable for both unexpected college costs for kids beyond 529s and for use when I plan to semi-retire in the 55ish range - about 12 years from now.
by Radjob4me
Fri May 19, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Additional Tax Savings for Employed High Earner?
Replies: 9
Views: 981

Re: Additional Tax Savings for Employed High Earner?

Agree with seeing if you can roll your IRA into your 401k in order to start the backdoor Roth. Honestly, at your salary and current savings rate, you could consider taking the tax hit and converting the whole 200k into a Roth IRA, although you would have to run some math to see if it would be worth ...
by Radjob4me
Tue May 16, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Cheshire County New Hampshire: Which town for retirement?
Replies: 14
Views: 2232

Re: Cheshire County New Hampshire: Which town for retirement?

I can only provide some cursory info. Keene, NH is the epicenter of the county, a small college town, so a bit more active than the remaining towns, most of which are fairly rural. Hard to give more recommendations without additional info, depending on whether you want to be in a town, semi-rural or...
by Radjob4me
Mon May 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 5622

Re: Do I have a problem in the backyard in need of a professional?

Add me to the list of native New Englanders who have never seen or heard of this before.
by Radjob4me
Thu Apr 13, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds
Replies: 18
Views: 2740

Re: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds

Just ask for the part about beating the SP by 3% in writing - if they will guarantee that after fees forever, then they have a deal! I'll sign up too...
by Radjob4me
Sat Apr 08, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 4067

Re: 36yo looking for feedback

Lobster, Radjob, It is a total LACK OF non-retirement assets. Since early retirement has only recently been on my mind, I have done absolutely no planning for that, hence some of my questions. Why is taxable needed in addition to 72t? Is it just that I need more assets total (agree) or more flexibi...
by Radjob4me
Sat Apr 08, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 4067

Re: 36yo looking for feedback

In terms of the early retirement, the thing that jumps out at me is the lack information about (or maybe just plain lack of) non-retirement account assets given your young age. You have about 500k in retirement accounts which is awesome. But if you are going to retire early I would suggest you start...
by Radjob4me
Sat Apr 08, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeking Alternate Guidance on Portfolio
Replies: 20
Views: 2087

Re: New Boglehead Seeking Alternate Guidance on Portfolio

Just a few quick thoughts. First kudos on getting out of Edwards Jones - that combination of number of funds and expenses is crazy... And I can't imagine what the managements fees on top were like Given the distribution you propose, I would make it even simpler and just go with the Total Stock Marke...
by Radjob4me
Thu Apr 06, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3926

Re: STEM & "coding" toys for little ones ?

As a parent (physician) with three teens, I would distill the above advice down to - just let your boys be boys. Let them play, read to them (have them read to you), let them explore (if possible based on where you live). There is so much "science" in everything around you - kids at that age rarely ...
by Radjob4me
Tue Apr 04, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 6303

Re: Spring Break Trip to Disney World

Whoa. Some stuff getting a bit off topic I see. BTW, I had a physician partner - no kids - and he and his wife would go to Disney three times a year and loved it - its not just for families. We (family of five with kids now 17,16 and 14) have just done it last minute and had fun. Been to Orlando may...
by Radjob4me
Sun Apr 02, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 24155

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

So best small fast-food burger chain burger (maybe too small for this discussion?) I've ever had was Teddy's Bigger Burger based in Hawaii. They have like 20 shops scattered around Hawaii, mainland US and Japan. But man I had a teriyaki burger with grilled pineapple and bacon that I still dream abou...
by Radjob4me
Sat Apr 01, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529 plans in two states to avoid maximum aggregate limits
Replies: 15
Views: 1511

Re: Opening 529 plans in two states to avoid maximum aggregate limits

Whoa. I have a few questions - first, how old is your child and do you have just one? And where did you see that 4 years of college would cost $568k? Assuming that you still have, lets say 10 years, before college - there are many things that can happen between now and then. You child may become a g...
by Radjob4me
Sun Mar 12, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 23579

Re: gratuitous homeownership items

Pools - oh man - pools. We have built not one, but two pools. At two different houses but in the same town. The pool guys love us! This was before my more frugal and money saving days. However, like most of the time - when our kids we small, it was great. Now, our kids barely use it. We have a few n...
by Radjob4me
Sun Feb 12, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: FUSVX automatic reinvestment possible at Fidelity?
Replies: 17
Views: 1688

Re: FUSVX automatic reinvestment possible at Fidelity?

I've been with Fidelity for years. Sounds like the rep was wrong, or maybe didn't know exactly what you were asking. Agreeing with one other recent post, FUSVX and all of my other fidelity index funds reinvest dividend and capital gains automatically and that is the default. It is actually in their ...
by Radjob4me
Sun Feb 12, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 10383

Re: Terrible negotiator - need help with words to use [Buying a car]

I'm with the two posters who think you have a perfectly good deal as it is. Why not just take it and be happy? Life is too short to get exercised at this point. Count me in this group also. Sounds like you really like that particular car and want that one, OP. Buy it! Does it really matter if you g...
by Radjob4me
Sat Feb 11, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 4562

Re: Cost of tax preparation

I always did my own taxes on TaxCut or Turbo Tax until about 3 years ago when I started working in a neighboring state as an employee, but still also have an independent contractor job in my state of residence. I thought I was paying a lot at about $800 a year for my accountant, but I guess that rat...
by Radjob4me
Sat Jan 28, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: Is exchanging FSIVX for FTIPX considered a wash?
Replies: 15
Views: 1889

Re: Is exchanging FSIVX for FTIPX considered a wash?

Well, not too helpful to decide if it will be a wash sale before you do it.... But I made a wash sale by mistake in 2016 in my taxable account at Fidelity and they flagged it and calculated the change in my tax loss. Although I felt dumb about it, it was at least very easy as they took care of all t...
by Radjob4me
Sat Jan 28, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is it like to be wealthy?
Replies: 7
Views: 2329

Re: What is it like to be wealthy?

I hope you get some interesting responses. It is going to be hard to quantify. I am a physician in my early 40s with a NW of about 2.3 million. I am very wealthy compared to my parents at the same age, many of our friends and lots of locals. But not 0.1% wealthy or even close to some on these boards...
by Radjob4me
Tue Jan 24, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Blindly following expert picks
Replies: 20
Views: 2111

Re: Blindly following expert picks

How timely. I was just reading a really fascinating take on investing and luck. Since you are mulling over how to beat the market and using some variant of market timing by copying "respected" or "successful" funds and their trades, read this article. As I have gotten into the BH mindset, I have spe...
by Radjob4me
Tue Jan 24, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 31
Views: 8872

Re: Any engineers? Studying for Civil-Structural PE

This has been an interesting read. As a physician, very familiar with testing and ongoing professional education, I honestly didn't know that there were certifying exams for Engineers. Is this an optional exam or required in some states or by some companies? And also somewhat interesting that it is ...