Search found 60 matches

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: 30
Views: 3727

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: 13
Views: 1467

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: 13
Views: 1467

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: 13
Views: 1467

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: 75
Views: 6866

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: 4033

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: 3553

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: 4696

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: 9107

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: 9107

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: 4837

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: 3681

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: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 41
Views: 3003

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: 8389

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: 360

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: 360

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: 2209

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: Investing - Help with Personal Investments
Topic: Setting up S-Corp 401k / These fees high?
Replies: 9
Views: 780

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: 61
Views: 13023

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: 1964

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: 1964

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: 1964

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: 7383

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: 7383

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: 7137

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: 2499

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: 5481

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: 5481

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: 5481

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...
by TylerS7
Sun Apr 23, 2017 4:32 am
Forum: Personal Consumer Issues
Topic: Where to live in Kansas City, student at UMKC
Replies: 10
Views: 1574

Re: Where to live in Kansas City, student at UMKC

If you're looking for an apartment then I would recommend one in the Plaza. If looking for a house then Brookside/Waldo/Country Club area south of campus along Brookside blvd/Wornall Road is a great area to live And go to Q39 for BBQ when you visit, but get a reservation ahead of time. You'll be hap...
by TylerS7
Wed Apr 12, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 3643

Re: Where to park Emergency Fund?

I just made this decision a couple of months ago and my dad sought my advice and I helped him do a little research this week to do the same thing. I picked Alliant CU and he picked Ally, both for high interest savings accounts and their checking accounts. We both were looking for online high interes...
by TylerS7
Tue Mar 07, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 29369

Re: GEICO auto rates vs. USAA: too good to be true?

I have my auto, homeowners, and umbrella policy with usaa. Hypothetically if I were to switch to geico, what would I use for a homeowners and umbrella? I thought usaa required that you have all of your properties and cars insured with them in order to have an umbrella. Maybe that's not the case for ...
by TylerS7
Fri Feb 24, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 11
Views: 1128

Re: Simplifying worth taking gains?

Also, should I turn off auto-reinvest for BOTH gains and dividends, or just dividends? Diverting to VSIAX small cap value fund.
by TylerS7
Fri Feb 24, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 11
Views: 1128

Re: Simplifying worth taking gains?

Okay I think I will divert the dividends from VVIAX and VSMAX to the small value VSIAX that I want to keep, if/when the unrealized gains become losses for those funds then I will consolidate the three I want to change to VTSAX. I just can't see paying taxes to transition to an AA that is so similar ...
by TylerS7
Fri Feb 24, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 11
Views: 1128

Re: Simplifying worth taking gains?

Thanks livesoft! I think I came across that post a while back and that's what got the wheels turning to simplify the international portion, and why I've been thinking about simplifying my US portion. I lean towards not touching taxable except for rebalancing for the forseeable future - I will be max...
by TylerS7
Fri Feb 24, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 11
Views: 1128

Simplifying worth taking gains?

My dad a couple years ago moved all of my investments he had saved in an account for me since I was born over to vanguard and put them in LifeStrategy Growth. A year ago he had me read Paul Merriman's book, as well as break up my lifestratgey fund into his 8 fund Ultimate Buy and Hold Strategy. Over...
by TylerS7
Mon Feb 20, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 4426

Re: Why are HSAs called "triple tax advantaged"?

Trad IRA is taxed on the way out. The entire amount withdrawn (assuming no basis) is included in income. That's what "(3) Taxed on the way out." means. Trad IRA has this. HSA, Roth IRA, Taxable do not. Taxable accounts are already taxed on the way in, why would that amount be taxed on the way out a...
by TylerS7
Mon Feb 20, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 4426

Re: Why are HSAs called "triple tax advantaged"?

Trad IRA is taxed on the way out. The entire amount withdrawn (assuming no basis) is included in income. That's what "(3) Taxed on the way out." means. Trad IRA has this. HSA, Roth IRA, Taxable do not. Taxable accounts are already taxed on the way in, why would that amount be taxed on the way out a...
by TylerS7
Fri Feb 17, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Visiting the National Parks
Replies: 29
Views: 3139

Re: Visiting the National Parks

In right around two weeks my girlfriend and I drove from Omaha and we did Rocky Mountain National Park, Canyonlands National Park, ArchesNational Park, drove to Portland stopping in Salt Lake City and Boise each for a night, camped at a lake near mt hood for two nights, went back through coeur d'ale...
by TylerS7
Sun Jan 22, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 10974

Re: Advice for Investing $4M to get 4% Return with Least Risk

My first thought was Vanguard lifestrategy income fund VASIX. Is there a reason people are recommending something like Wellesley over this fund in this circumstance? Asking for personal education, not as a debate.
by TylerS7
Mon Jan 09, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4784

Re: Teeth whitening

I usually recommend that my patients try something OTC without a custom made tray first to get a feel for what teeth whitening is all about and so they can start to get an idea of their expectations. If they are happy with the results but want to go the next step, then I make them custom trays and a...
by TylerS7
Mon Jan 09, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: lazy portfolios 2016 update
Replies: 9
Views: 1991

Re: Financial Page: lazy portfolios 2016 update

Any idea about Merriman's Ultimate Buy and Hold?
by TylerS7
Sun Jan 08, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out SIMPLE IRA
Replies: 7
Views: 998

Re: Maxing out SIMPLE IRA

That is excellent info to have. Hers is with American Funds and she doesn't have the interest or maybe even the capability to tweak her contributions that often. Their office up front load is down to 2% from 5.75, so she will probably do the 3% contribution to get the full match and divert everythin...
by TylerS7
Sun Jan 08, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out SIMPLE IRA
Replies: 7
Views: 998

Re: Maxing out SIMPLE IRA

But Do you think that if the software turns off contributions a couple months early because of hitting 12.5k that the 3% employer match will continue? Just based off logic I would imagine if your contributions are maxed out and turned off, then the employer match will also not be contributed. Does a...
by TylerS7
Sun Jan 08, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out SIMPLE IRA
Replies: 7
Views: 998

Re: Maxing out SIMPLE IRA

Thanks for the input to both of you, I really appreciate it. It looks like last year her employer matched each contribution monthly instead of a lump sum. I'm just going to do the simple math with what we think the absolute most she could make would be and try to just barely undershoot 12.5k. There ...
by TylerS7
Sun Jan 08, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out SIMPLE IRA
Replies: 7
Views: 998

Maxing out SIMPLE IRA

My girlfriend and I each have SIMPLE IRAs set up with our respective businesses with 3% employer match. How does it work to max these funds out? From what I understand, the employee limit is 12.5k per year, and the employer match does not affect this contribution. What happens if one were to contrib...
by TylerS7
Wed Jan 04, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp payroll co for single owner/employee?
Replies: 31
Views: 3919

Re: S Corp payroll co for single owner/employee?

Acquiring a practice soon and will be set up as an S Corp. For what it's worth my CPA, with whom I have a very good relationship, suggested using MyPay Solutions. I haven't set them up yet, so I cannot give a great personal recommendation. Just another one to look into to see if they're a fit.
by TylerS7
Wed Jan 04, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Kansas City trip advice
Replies: 23
Views: 2200

Re: Kansas City trip advice

Stay either downtown/Midtown or just down in The Plaza, which is maybe 10 minutes from downtown. Q39 for dinner or lunch, just north of The Plaza and it's my favorite BBQ in the city. Get a reservation if a weekend night, get the burnt ends for appetizer. If you go out to Joes expect to wait in line...