Search found 81 matches

by TylerS7
Sun Jun 02, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2677

Re: Golf interest rekindled after decades - My son created a monster! Now what?

It doesn’t sound like you probably need any more clubs at this point. My advice would be to play your setup for the rest of the year and see if there are any shots that you don’t feel you have in your bag. 9, pw, sw should be fine for most people, if you hit your driver 200 yards you probably don’t ...
by TylerS7
Thu Mar 28, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2334

Re: What golf ball do you use?

9 handicap with high swing speed. I play Chrome Soft X right now, I bought 4 dozen on golfwrx.com Classifieds for $120. I also bought a dozen Snell MTB-X to play this spring and try out for fun and they're really nice balls. I have found the Snells scuff a lot easier, I play a wide open course witho...
by TylerS7
Wed Mar 27, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 931

Re: Buying Concert Tickets

I used to be an avid concert-goer in the 1980s, back when you had to go into record stores to stand in line and buy them. Since the internet, ticket buying has become such an industry that the seats are all bought up by resellers within minutes of being offered, and sometimes before they are offere...
by TylerS7
Mon Mar 25, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5080

Re: dental work gone wrong - advice please.

On the flip side, if you go to 10 dentist you will likely get 10 different diagnostic results. You could get anything stemming from you need 30 new crowns to "nice job, nothing needs doing." When I was 19 I was told I had eight cavities. Due to financial reasons, I didn't have these "cavities" fill...
by TylerS7
Mon Mar 25, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5080

Re: dental work gone wrong - advice please.

It sounds to me like the new guy is honest and also cares about his work enough to spend money on redo lab bills, extra chair time, extra materials, etc. to make sure the crown you paid for is done correctly. Ideally things are always done correctly the first time but unfortunately it's an imperfect...
by TylerS7
Tue Jan 22, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Dentist fees
Replies: 70
Views: 4788

Re: Dentist fees

The biggest provider of dental insurance in the USA is Delta Dental. Here's a page that talks a little about how their payments to dentists work https://www.deltadentalins.com/individuals/guidance/recommend-your-dentist.html Basically a health care provider who does "balance billing" is simply "out...
by TylerS7
Wed Jan 16, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4460

Re: Any good reason to get a smartwatch?

I love my apple watch. I use it for exercising (HIIT, yoga, treadmill, etc.), cycling outside, golfing, snow skiing, jogging, hiking. And during day to day stuff I use it for notifications and quick reference to time, weather, date, my upcoming events, and a timer which I use all the time at my offi...
by TylerS7
Mon Jan 14, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1523

Re: golf clubs

I've always had great experiences with https://www.callawaygolfpreowned.com/ Typically my experience has been that the "Like New" category clubs are brand new, except maybe have been hit once or twice at the range to test them out. Most golf companies are going to be releasing their new clubs for th...
by TylerS7
Thu Dec 27, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 2937

Re: brick-and-mortar vs online bank

My mortgage is with Wells Fargo and so I keep my checking account I've had with them since college. A percentage of my paycheck gets direct deposited in the WF checking to cover the mortgage each month. I also keep about $500-1000 in that checking because the mobile access to Wells Fargo ATMs can be...
by TylerS7
Sat Dec 22, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 15710

Re: All the "should I be 100% stocks" threads over the last year.

I guess I’m just not sure what the OP is suggesting bonds would be doing for me right now as a 30 year old. According to personal capital I would be down 12.5% this year if I sold. But I don’t have to sell for many decades, so the current downturn is pretty irrelevant. I don’t understand the suggest...
by TylerS7
Thu Dec 20, 2018 9:49 am
Forum: Personal Investments
Topic: Will you contribute all $6,000 to IRA in Jan or DCA?
Replies: 32
Views: 2150

Re: Will you contribute all $6,000 to IRA in Jan or DCA?

I will be putting $3500 into my HSA as soon as I am able. My Simple IRA and my automatic transactions in my taxable account will be monthly.
by TylerS7
Tue Dec 18, 2018 3:51 pm
Forum: Personal Investments
Topic: Bond for a 100% Equity Investor?
Replies: 31
Views: 2000

Re: Bond for a 100% Equity Investor?

I'm about your age and have a very similar setup. I keep all of my accounts 100% stocks except my SimpleIRA (which is the equivalent to your 401k), in this account I hold only a Vanguard LifeStrategy Growth fund which is 80/20. Here is my setup: Taxable: Total International 30% Total US 35% Roth: To...
by TylerS7
Mon Dec 17, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5911

Re: Gift Ideas for wife

Also I like to try to get an experience as a gift rather than more "stuff" if possible. Any good concerts, plays, events, etc. coming to your area that you could get some tickets for? Or the poster that mentioned places like Sur la Table that offer cooking classes.
by TylerS7
Mon Dec 17, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5911

Re: Gift Ideas for wife

Is there a running store in your area that has a nice shoe selection and is your wife's current pair of running shoes getting worn out? New running shoes are always the best.
by TylerS7
Thu Dec 13, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6257

Re: [Anyone drop cable for YouTube TV?]

So I'm sitting at home with my 4K TV looking at NBA TV on YTTV. In the studio where the hosts are just chatting, everything looks sharp. When they showed some bball clips, it wasn't horrible but I think I notice a difference to cable. It's just not as smooth. I'm open to upgrading something (faster...
by TylerS7
Thu Dec 13, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 11775

Re: Robinhood to launch 3% Checking & Savings Accounts

Very interested in this. I keep WAY too much money in a TD Bank checking account earning about 0.1%. I'm not quite sure how this will work; if I have a check I want to deposit, do I mail it to them? If I need cash, I guess I have to pay an ATM fee? Maybe it makes sense to keep TD with a very small ...
by TylerS7
Wed Dec 12, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2818

Re: Should this doctor pay damages for malpractice?

Was returning to the person that performed the procedure for free post operative care not an option? I’m confused why a physician and now possibly an attorney are getting involved. Accidents happen, thankfully this one was temporary. That’s not malpractice it’s just really unfortunate. Kindly ask fo...
by TylerS7
Wed Dec 12, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6257

Re: [Anyone drop cable for YouTube TV?]

Could someone give me the quick-sketch on replacing cable? Right now, I have of course local channels, plus a number of cable channels. I set up series recordings for things I'm interested in, and those show up when new episodes are shown. There's a guide that I use to look for shows that I hear ab...
by TylerS7
Wed Dec 12, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6257

Re: [Anyone drop cable for YouTube TV?]

I dropped DirecTV last year for YTTV and locked it in at the $35/month rate, and it's a much better product than traditional cable on top of being way less expensive. Make sure you have a good modem and good router. I invested in the most up to date modem and got Google Wifi and it's been amazing. I...
by TylerS7
Wed Dec 12, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6257

Re: [Anyone drop cable for YouTube TV?]

Anyone had any experience using the WatchESPN app with your Youtube TV subscription? Being able to watch every college basketball game of my favorite team is the only thing that's kept me from cutting the cord thus far, but I should be able to access the WatchESPN app via YoutubeTV subscription. Ju...
by TylerS7
Mon Dec 10, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA providers for small nonprofit?
Replies: 18
Views: 1201

Re: SIMPLE IRA providers for small nonprofit?

I run a SimpleIRA for my employees through Vanguard. I thought setting it up was pretty straightforward for both myself and my employees. I then let my payroll company know what percentage each employee is withholding and that I am doing up to 3% match, and each pay period they tell me how much to d...
by TylerS7
Wed May 16, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 13168

Re: Unique Phone Apps that you find yourself using most often?

Yelp - I don’t go to a bar or restaurant without looking it up on Yelp first. Great if you’re in a unfamiliar city as well SkipTheDishes - food delivery app OpenTable - dinner reservations Overcast - my favorite podcast app, and it’s free! Google News - new for iPhone, if you use chrome and have a g...
by TylerS7
Wed May 02, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 30
Views: 3753

Re: Optum HSA Fee Increase Notice

I agree those fees are way too high for a $50k investment account, but for investment accounts less than $8333 Optum is the cheaper option. Lively wasn't talked about on this board until the month after I had JUST switched everything over to Optum. Since Optum is still a couple bucks cheaper right ...
by TylerS7
Wed May 02, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 30
Views: 3753

Re: Optum HSA Fee Increase Notice

This thread made me log in to my optum account and I found out two things: 1. My fees are $2.75 per month if savings account balance is less than $3000 2. They take the monthly 0.03% investment fee out of my savings account, which has been slightly more than the 0.01% interest the savings account e...
by TylerS7
Wed May 02, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 30
Views: 3753

Re: Optum HSA Fee Increase Notice

This thread made me log in to my optum account and I found out two things: 1. My fees are $2.75 per month if savings account balance is less than $3000 2. They take the monthly 0.03% investment fee out of my savings account, which has been slightly more than the 0.01% interest the savings account ea...
by TylerS7
Thu Apr 05, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 14920

Re: Tequila and Magaritas

I always keep my bar stocked with a bottle of Espolon Reposado tequila. Good tequila at a good price. I think the margarita recipes posted have been excellent and I will be taking note of those. Not that you asked but I also keep my bar stocked with a bottle of Tito’s vodka and buffalo trace bourbon...
by TylerS7
Wed Apr 04, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead-approved personal finance podcasts?
Replies: 27
Views: 5255

Re: Boglehead-approved personal finance podcasts?

Dough Roller podcast by Rob Berger is excellent. His series that he did this past year called How to Build Wealth on Any Income would be a great place to start for a newbie that listens to podcasts. White Coat Investor podcast is one I also highly recommend for any young person with high income and ...
by TylerS7
Thu Mar 01, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 4348

Re: What iPhone podcast application do you use?

Overcast is probably the best free app, it's got great features and I loved its interface. I now use Pocket Casts (It was $3 or $4) because it allows me to cast directly to my google home in my kitchen. I wish Overcast had this function because I liked that app more.
by TylerS7
Tue Feb 27, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 5575

Re: What books changed your outlook on how you should invest?

My dad gave me Financial Fitness Forever by Paul Merriman for Christmas a few years ago, along with a link to his two hour Youtube video detailing his portfolio and ideas. That lead me to this community, which lead me to the Bogleheads Guide to Investing and John Bogles Common Sense on Mutual Funds ...
by TylerS7
Tue Feb 27, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 10107

Re: "Bogleheads.org" by Kristine Hayes"

Can we just put an abbreviations link to Wiki on the header of every page and be done with this debate already? Seriously easy solution... Love the replies in this thread: "I want to manage my OWN million dollar portfolio that will shape the foundation of the last 20-40 years of my life but I'll be...
by TylerS7
Fri Feb 23, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 10107

Re: "Bogleheads.org" by Kristine Hayes"

A lot of these topics have come up lately (or I've been noticing them more). The argument that you can easily google "TSM personal finance" is laughable. People that are coming to these forums for the first time are already swimming in a sea of words they're trying to learn, telling them to have sep...
by TylerS7
Thu Feb 22, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5728

Re: Any Creative Ways to Cut the Cable?

I just switched to Youtube TV, it's been awesome. Here's what I was looking for: Lowest package that gives me Big Ten Network and my Fox Sports regional package along with the other typical sports channels. One thing I really liked about it is that I get all of our local stations. Don't just blindly...
by TylerS7
Tue Feb 20, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 4429

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

That was a great article, thank you for sharing.
by TylerS7
Thu Feb 15, 2018 11:17 am
Forum: Personal Investments
Topic: American Funds 401k Advise
Replies: 42
Views: 3901

Re: American Funds 401k Advise

My girlfriend's company has a SIMPLE IRA with American Funds, I thought about setting up a frozen SIMPLE IRA at vanguard and transferring everything over. What we decided is she wanted simplicity, and once her plan's assets reach a certain amount then the front load is lowered and finally waived, so...
by TylerS7
Thu Jan 18, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 10179

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

The snarky responses in this topic are pretty ironic. They mock physicians that don't have time or want to take the time to educate themselves about their finances, but don't even take the time themselves to learn about the intended target audience, what the course offers, or how much time and resou...
by TylerS7
Wed Dec 13, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vanguard SIMPLE IRA Fees
Replies: 3
Views: 465

Re: Annual Vanguard SIMPLE IRA Fees

Thanks for the info, I find that interesting Vanguard claims it is not even an option with how they have their system set up. I cannot be the first person to call and ask that question.
by TylerS7
Wed Dec 13, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vanguard SIMPLE IRA Fees
Replies: 3
Views: 465

Annual Vanguard SIMPLE IRA Fees

I set up a SIMPLE IRA at Vanguard for my small office (5 employees plus myself) with 3% match, there was not a setup fee, and there is a $25 annual fee. I just called to ask if the business can pay this annual fee out of our checking account for all of the employees and I was told this was not possi...
by TylerS7
Tue Nov 14, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 15
Views: 2491

Re: Best albums of 2017

The War on Drugs - A Deeper Understanding

Future Islands - The Far Field

Arcade Fire - Everything Now

Grizzly Bear - Painted Ruins

Fleet Foxes - Crack-Up

The National- Sleep Well Beast

Wolf Parade - Cry Cry Cry
by TylerS7
Wed Nov 08, 2017 5:13 pm
Forum: Personal Investments
Topic: Setting up S-Corp 401k / These fees high?
Replies: 9
Views: 1024

Re: Setting up S-Corp 401k / These fees high?

I am keeping our retirement plan as a SIMPLE IRA for the next couple of years, but I have this company bookmarked as a potential 401k when I decide to change: https://www.employeefiduciary.com/401k-plan-pricing/ Are you able/would you mind posting VG's fees for their small business 401k. My company ...
by TylerS7
Thu Oct 19, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 25200

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I wish I would have seen this thread before I opened an Optum HSA account this past week to transfer my Alliant CU HSA over. I only have $3400 right now and will add another $3400 in January, I plan on keeping $3000 in savings (I think at 0.10%) to avoid penalty and invest the rest for 0.03% fee. Fo...
by TylerS7
Thu Oct 19, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 25
Views: 2284

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

I respectfully disagree with the dentist that says it's illegal 100% of the time, and I'm comfortable with how my practice is set up but that's off topic. In your wife's circumstance she sounds more like an employee. I'm assuming the following: she's signing a contract with them, they can fire her, ...
by TylerS7
Wed Oct 18, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 25
Views: 2284

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

The link you supplied is one click away from defining an independent contractor: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-defined I do agree with what others said, I think that in your wife's situation she would probably be more like an employee. In our ca...
by TylerS7
Wed Oct 18, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 25
Views: 2284

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

I bought my dad's dental office earlier this year and he has been working for me as a contractor. He sets his hours and does work however he pleases, we have an agreed upon percentage of his collections that I pay him for the work done. I write a check every month for his collections to his corporat...
by TylerS7
Wed Oct 18, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 8947

Re: Outback Vs Forester Vs CR-V ??

I have a 2013 Outback, 77k miles now, bought it used in 2015 with about 30k miles. It started burning oil around 60-70k miles and after a couple 1200mile tests showed oil consumption, they will be replacing the engine (the short block?) next week. It's all covered under warranty, so I don't really ...
by TylerS7
Fri Oct 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 8947

Re: Outback Vs Forester Vs CR-V ??

I have a 2013 Outback, 77k miles now, bought it used in 2015 with about 30k miles. It started burning oil around 60-70k miles and after a couple 1200mile tests showed oil consumption, they will be replacing the engine (the short block?) next week. It's all covered under warranty, so I don't really s...
by TylerS7
Fri Sep 08, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 7749

Re: Purchasing Home With Girlfriend; Good or Bad?

When you say she wants you to buy a house together are you implying that you are both contributing to a down payment, both listed on the mortgage, and both listed on the deed as owners? I would hesitate doing that. My girlfriend (also "long term") and I bought a house together, but it was my downpay...
by TylerS7
Mon Aug 21, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 2885

Re: Dental Insurance/Costs

+1 bberris Medical tourism is our plan of choice. Mexico is the closest to the US with a wide variety of dental practices. Our dental insurance isn't really insurance. It covers our 2x annual cleanings, but nothing else. And the cost equals the cost of those annual cleanings. I pay for the insuranc...
by TylerS7
Fri Jun 30, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 6469

Re: Things to do in Iowa/Nebraska

That's a great list of some of the best Omaha restaurants. I only would add Stirnella in Blackstone.
by TylerS7
Fri Jun 30, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 6469

Re: Things to do in Iowa/Nebraska

Your Omaha itinerary looks fun, I would encourage you to stay downtown in the old market if you want to see more of the actual city though, those attractions are all along the interstate corridor south/southwest of town. If you don't stay downtown you won't even feel like you've seen the city. A cou...
by TylerS7
Sun Jun 25, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 6469

Re: Things to do in Iowa/Nebraska

You just missed the college World Series in Omaha. You can see if there are any concerts at centurylink center, or shows at the Orpheum theater. If staying downtown check out the old market for dining and shopping. Omaha has great restaurants, look for places in Old Market, Dundee, Blackstone, and M...