Search found 1226 matches

by daveydoo
Wed Jul 18, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 7
Views: 327

Re: Planning a trip to France in June 2019 - ADvice ?

any advice ? tour groups ? what to get right ... what to avoid .. .etc ... thanks again Mean no offense but these are worse than the car posts. Get five books out of the library. Then go to a brick-and-mortar bookstore and buy two or three more current ones. Look at Trip Advisor online. We have no ...
by daveydoo
Wed Jul 18, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 20
Views: 1903

Re: Thinking about job change but current job gives 9% salary into 401k..

...The 9% non-elective contribution might be more of a perk for a non-Boglehead, all of which do not save anything. I think OP means that there is a "free" additional 9% "ER" contribution regardless of the "EE" contribution. Easy enough to factor that into the salary comparisons, imo. Potential new...
by daveydoo
Mon Jul 16, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 41
Views: 17801

Re: Death Book

In the OP's defense, most of this is low-stakes stuff. I only stumbled across this because of your accidental bump (!) so thank you. I just took a screen shot. Having been on the receiving end of this twice now, I think it's a great idea. Not so much my wishes or instructions that I worry about but ...
by daveydoo
Sun Jul 15, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 113
Views: 5981

Re: Anyone not have a Budget?

While not on a spreadsheet per se, isn't that sort of a ongoing subconscious "mental math" budget? +1 Note that you have restricted this "survey" to a subset of people who generally do not need a budget -- decent earners who are well-informed about or at least interested in their finances (i.e., BH...
by daveydoo
Sun Jul 15, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2856

Re: How much furniture spending is ok?

Used furniture is nearly free now. Many threads on this. I'm less inclined toward used upholstered furniture but there are plenty of options. The folks who insist on new are the ones who tend to lay out tens of thousands all at once. To me, this is not like a car or rent -- its more common sense tha...
by daveydoo
Sun Jul 15, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 50
Views: 4731

Re: Which minivan?

wije wrote:
Sun Jul 15, 2018 4:59 pm
I latched on to Mazda5 idea: quick glance on TrueCar...
Take a quick glance in person -- this is a 3/4-scale minivan at best. This is not a substitute for the other minivans discussed above. Unless you are a 3/4-scale family. It "looks" like all the other minivans in pictures, though!
by daveydoo
Sun Jul 15, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9431

Re: When does frugal cross the line to cheapskate?

munemaker wrote:
Sun Jul 15, 2018 4:19 pm
Bogleheads in general seem to have a disdain for spending money on wedding celebrations....
* disdain for spending money you don't have. If you can afford it, go to town. The "floor" for wedding spending has increased by a factor of ten in my fairly recent memory.
by daveydoo
Sun Jul 15, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3720

Re: How often do you buy a primary residence?

One house. One spouse.

(fingers crossed)
by daveydoo
Sun Jul 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9431

Re: When does frugal cross the line to cheapskate?

That groom sounds smart, to me, not cheap. +1. I wore my (one) suit. Bought a new tie, though! Future-wife wore a second-hand dress -- with white-satin bedroom slippers since if she were a quarter-inch taller, the dress would be too short. Her sister beaded the tops so they looked really nice! We h...
by daveydoo
Sat Jul 14, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9431

Re: When does frugal cross the line to cheapskate?

McCharley wrote:
Thu Jul 12, 2018 7:37 pm
...I was wondering what you folks think...
When it's someone else
by daveydoo
Sat Jul 14, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?
Replies: 12
Views: 884

Re: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?

...so I called Schwab and they were very helpful (their customer service is U.S. based and top notch) and were able to set my POS (point of sale) or daily purchase limit to $.01... Good idea -- thank you! I had mine set to alert me. The alerts kept coming! How could Chase not have flagged the accou...
by daveydoo
Fri Jul 13, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2043

Re: How much does your accountant cost?

$400 - 500 annually. He's a friend and I'm a long-term client and it's not super-simple but I'm organized and make it easy for him. Not sure why I continue -- I generally need to correct one or two things each time -- he tends to omit the 529 deduction, etc. But I do ask him questions periodically t...
by daveydoo
Fri Jul 13, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?
Replies: 12
Views: 884

Re: If my brokerage debit card is used fraudulently, who's responsible for margin interest charges?

These are exciting times for debit card fraud. Barely knew I had one but it was upgraded from an ATM card. Someone hacked or stole my or a relatives debit card data and ran up a bunch of charges this month. (I almost never use the card and it was never missing.) I saw it within hours. Chase closed/c...
by daveydoo
Fri Jul 13, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 31
Views: 2072

Re: are mccormick gourmet spices better

Dottie57 wrote:
Fri Jul 13, 2018 9:54 pm
...Search for Penzy’s Spices...
+1. We get everything there. Except the giant cinnamon at Costco.
by daveydoo
Wed Jul 11, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Wired/Wireless Headphones with Mic
Replies: 8
Views: 777

Re: Wired/Wireless Headphones with Mic

NC won't help in the office or at the park. They sample ambient sound and subtract it (or actively counteract it). But it's not instantaneous -- they won't help you at the shooting range, for instance. They're great for removing airplane drone and treadmill drone so I can keep the volume down and li...
by daveydoo
Wed Jul 11, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4504

Re: Target date funds....unsophisticated?

CFO of my organization -- with a $5 billion annual budget -- invests his entire tax-deferred account in our VG target date funds. He's pretty sophisticated.
by daveydoo
Sun Jul 08, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 22
Views: 1442

Re: Accidental Death & Disability Insurance

How does one go shopping for ADD insurance for a reasonably high amount? I am thinking $1M for me and my spouse. Lots of "nos" here but I'm with you. I bought this very inexpensively when I moved to my new (and now-present) location and came to the conclusion that the most likely way that I would d...
by daveydoo
Sun Jul 08, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 22
Views: 1442

Re: Accidental Death & Disability Insurance

How does one go shopping for ADD insurance for a reasonably high amount? I am thinking $1M for me and my spouse. Lots of "nos" here but I'm with you. I bought this very inexpensively when I moved to my new (and now-present) location and came to the conclusion that the most likely way that I would d...
by daveydoo
Sat Jul 07, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2388

Re: E- Billing & Autopay

Credit card > bank account, assuming that you have some rewards programs -- some give extra % on utilities. But when your bank account gets hacked like mine did, you will spend a lot of time getting these things re-established :D
by daveydoo
Fri Jul 06, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2903

Re: Coffee Grinder recommendations

Agreed all around on Baratza Virtuoso. I pair it with an Aeropress. +1 for both. But use a wide-based mug with a non-skid bottom under your Aeropress so you don't burn yourself when the whole thing topples over under pressure. Happened to two of my family members (so far), and I keep trying to thro...
by daveydoo
Sun Jul 01, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4664

Re: Retiring in Michigan (Ann Arbor)

Alexa9 wrote:
Sun Jul 01, 2018 6:26 pm
...more conservative...
I guess your avatar only pertains to asset allocation :D
by daveydoo
Sun Jul 01, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1851

Re: Private Label Blackrock Index Funds?

My 401k also offers Blackrock index funds with no ticker, this is because they are actually CITs (Collective Investment Trust) which aren't traded on the exchanges. The ERs are rock-bottom, currently 0.01% for their S&P500, S&P400, Russell 2000, and AGG bond index funds. And only 0.04% for the inte...
by daveydoo
Sun Jul 01, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MOM with finances/retirement
Replies: 13
Views: 1230

Re: Helping my MOM with finances/retirement

Been there. Your handle suggest that your motivation is pure altruism. I think, assuming that she wants your help, the first step is to look at her asset allocation in aggregate after compiling a list of what she has where, what the expense ratios are, and what she is paying to each and every custod...
by daveydoo
Sun Jul 01, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4664

Re: Retiring in Michigan (Ann Arbor)

As you are no doubt learning, desirable real estate in AA is crazy-expensive. But there are some amazing Arts & Crafts-type homes with beautiful details on good-sized lots. I'm guessing high six figures. The good news is that you can also buy a 100 year-old tear-down close to campus and rent it to a...
by daveydoo
Sun Jul 01, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: New car dealerships offering (included) lifetime warranties?
Replies: 13
Views: 1468

Re: New car dealerships offering (included) lifetime warranties?

As my father always said, "Whose lifetime?"

Yours, the car's, the dealership's...? Have not seen this with cars but with other consumer goods with similar "lifetime" warranties, the lifetime of the item can be "set" by the manufacturer -- like five years.
by daveydoo
Sat Jun 30, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 25
Views: 1414

Re: Water leak when it rains - older Camry

From that location, sounds like the cowl under the windshield (where the wipers fold down) -- clogged or broken. Not an expensive fix. Happened to me. Thought it must be the sunroof (since everyone always thinks it's the sunroof) but it was not. Water on the front passenger-seat floor.
by daveydoo
Mon Apr 30, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2051

Re: 3 days in London - must dos?

Specifically I enjoy shopping... You must go to Harrods -- at least to see the Ferraris double-parked out front. A few years back, my then-middle-schooler asked to see an interesting skeletonized watch in a display case -- and before I could even turn around, the nice woman behind the counter put o...
by daveydoo
Wed Apr 25, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3635

Re: How to be a good executor to family

For household "stuff", I think it's better if you can put off distributing it until everyone can get together. People can draw straws to pick something first, they can assign $$ or points to items and "bid" on them, or whatever other process you/they decide on. Having the executor decide and announ...
by daveydoo
Wed Apr 25, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3635

Re: How to be a good executor to family

I could write for an hour about this. First, so sorry about your loved one. Be painfully transparent . Annoyingly, stupefyingly transparent. I used my emails to relatives as my log book, and even said that much of this detail is for my benefit (i.e., for my records). I also set up an estate Gmail ac...
by daveydoo
Mon Apr 23, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5882

Re: Selling a car: how to get paid?

Almost all buying and selling on audio sites like audiogon, headfi, us-audiomart and others is done by paypal, often with higher prices than cars. There is almost no talk of cash/wire/checks of any kind. It works quite well with little fraud. PayPal takes 3%. PayPal is a subsidiary of eBay (right?)...
by daveydoo
Sun Apr 22, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 36
Views: 2888

Re: mutual funds or etfs, why each

I will buy ETF if I'm not at Vanguard, but in that case I usually don't have a choice between the two. I will consider ETF even at Vanguard if I can't meet the Admiral fund minimum easily. Some of the bond fund Admiral minimums are $50,000. +1 EDIT: Oh, and with the recent volatility, it has been m...
by daveydoo
Sun Apr 22, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Reits Rockymountain exposure
Replies: 2
Views: 245

Re: Reits Rockymountain exposure

Good thought. But if you're avoiding anything within hundreds of miles of the coast, you're talking Waterworld and way past end times.

OTOH, much of Florida is in real jeopardy, imo. We've posted here before about the tallest mountain in Florida :D
by daveydoo
Fri Apr 20, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5262

Re: Factor in evaluating Physicians

It seems thread after thread is about finding a flaw about your physician. How many posts have I seen on this site about liking their doctor's care? The years I have spent on here has proven over and over this is a VERY biased message board against doctors. I have reason to be sensitive to this and...
by daveydoo
Fri Apr 20, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5262

Re: Factor in evaluating Physicians

But when you are bought and paid for by a drug (or other) company, you are not objective. How is the patient suppose to know if his/her physician was "bought and paid for by a drug (or other) company"? 1210 That ProPublica link at the top of the thread would seem to be a great start! As others have...
by daveydoo
Fri Apr 20, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9782

Re: NYT article: Everyone should hire a financial planner

I think forum members perhaps overestimate the overall population that has the type resources found on this forum. People of all walks have extensive knowledge about whatever their passion is -- off-road suspension, pistols, fishing, Broadway musicals, EDM, whatever. The financial "services" indust...
by daveydoo
Fri Apr 20, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5262

Re: Factor in evaluating Physicians

Believe it or not, many pharma reps know more about a specific drug/disease then the HCP (especially ultra rare orphan drugs/diseases) - and the only sensible time to help educate them is at lunch. 90% of the reps out there aren't needed - but there are a few that truly help the HCP because they ca...
by daveydoo
Fri Apr 20, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5262

Re: Factor in evaluating Physicians

But guess what? You want me to go speak to a group of docs? I expect to get paid too. You can get paid and not have a conflict. Give medical grand rounds somewhere and get an honorarium from the institution. Get invited to a national or international meeting and get an honorarium and hotel room fro...
by daveydoo
Fri Apr 20, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8718

Re: “The Smell of Retiree Mon$y...”

...Once these groups learned they are in our will, because we mistakenly told them so, they began sending their bequeathing representatives by to talk to us and advise us of the poor and needy who need help....Now! One even honestly said ,when asked, you have more funds than you both will ever need...
by daveydoo
Fri Apr 20, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2948

Re: So many problems I can't even figure out how to prioritize them

Water pressure regulator : Needed, apparently. From our home inspection before purchase, our water pressure is too high. Insulation : One wall of the house is at R2. Makes for a cold room and poor efficiency. Door weather stripping : Front door's weather stripping is missing. Heat escapes. Bathroom...
by daveydoo
Fri Apr 20, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9782

Re: NYT article: Everyone should hire a financial planner

I always love how financial planners compare themselves to doctors and lawyers. You don't even need a high school diploma to be a "financial planner". +1. And unlike WebMD, you can learn about financial planning online and be better than your "advisor" in a remarkably short time. I had to explain t...
by daveydoo
Fri Apr 20, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5882

Re: Selling a car: how to get paid?

Cash. I have done this five or six times. Posted a few times about it. Always has been < $10K, but not by much a few times. Be prepared for the "this is all I have" -- the agreed price minus $500 (aka, the "two-pocket approach"). So know ahead of time what you will do when this happens. Caught me of...
by daveydoo
Thu Apr 19, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2949

Re: What hedge strategies do you employ?

The other ultimate tilt would be to try to profit off the rising educational costs. Not sure that is possible though. But t would help offset paying for college. Student loans and for-profit colleges? :twisted: I think you mean the rising sticker price. No one pays that. Except suckers like me. :D ...
by daveydoo
Wed Apr 18, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 475

Re: IT platform support for Telegenetics practice

I would start with biggest hospital -- most have telemedicine infrastructure already or are just about to implement it. You would need to ensure compatibility. Also, if this is just a video chat, then no big deal (I mean, it's about as "telemedicine" as a phone call). But if it real telemedicine, th...
by daveydoo
Wed Apr 18, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3008

Re: Owning 3 vehicles

The one thing I don't like about owning 3 cars with 2 drivers is the insurance premium for the 3rd car is priced as though all 3 cars are being driven at the same time. The discount for the 3rd car is small. With 3 cars/2 drivers, only 2 can physically be driven at a time. Seems like the insurance ...
by daveydoo
Wed Apr 18, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3008

Re: Owning 3 vehicles

So, is owning 3 vehicles as I suggested a bad idea ? Of course not -- millions of households do that. You know your variables way better than any of us do. As for keeping that Prius, well, that's a separate (and very loaded) question... :D We have two commuter-ish vehicles and a ski/camp/bike/hike ...
by daveydoo
Tue Apr 17, 2018 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7492

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Oh, that's easy to show. Draw a stacked bar graph on a napkin -- with the y-axis as the income and stacked bars as the brackets for a) employed and b) retirement. Show the small bar at the marginal rate (= contribution) in the employed bar and the larger bar (= distribution) in retirement spanning m...
by daveydoo
Tue Apr 17, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6214

Re: Costco gas

harrychan wrote:
Tue Apr 17, 2018 12:18 am
Never. My time is much more valuable than the $5-10 I save by waiting upwards of 15-20 min waiting in line for Costco gas.
Unfortuantely, my time is not. We love Costco gas and it's part of every trip (alas). The 100-gallon minimum is a killer, though. :D
by daveydoo
Tue Apr 17, 2018 1:01 am
Forum: Investing - Help with Personal Investments
Topic: What to do with gifted individual losers and gainers?
Replies: 14
Views: 1013

Re: What to do with gifted individual losers and gainers?

Was gonna say that a gifted individual should be able to figure this out for himself, but I think I misinterpreted the title. :D
by daveydoo
Tue Apr 17, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7492

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Almost no one has a withdrawal marginal rate that is the same as their employed marginal rate, right? Unless they have a boatload of unearned/investment income or giant RMDs. In which case they can't have 100% of their assets in the Roth. I'm counting on my marginal rate in withdrawal being less. If...
by daveydoo
Mon Apr 16, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1319

Re: Human Touch WholeBody 7.1 Massage Chair review

Retirement, you say? Buy a treadmill, not a chair!

Do you really need an incentive to sit? :D