Search found 570 matches

by eye.surgeon
Wed May 27, 2020 12:25 am
Forum: Investing - Theory, News & General
Topic: This article is scaring me. [Roubini predicting depression]
Replies: 27
Views: 2681

Re: This article is scaring me.

Don't worry about things you can't control. Make an investment plan based on sound principles and stick to it. Nobody knows what the market will do tomorrow let alone over the next 10 years. Roubini's going to keep calling for a recession year after year until he's right and then he will say he call...
by eye.surgeon
Tue May 26, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 72
Views: 3779

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

I have experienced bullies and cliques throughout my life and it's been helpful to have not been sheltered from them as they don't go away after high school. I'd rather my kids had coping skills than avoidance skills. This is an unpopular opinion I know.
by eye.surgeon
Tue May 26, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 72
Views: 3779

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

What’s wrong with the public schools? This is going to stray into politics but... they have been massively defunded as well as hyperfocused on standardized testing. Even in so called "good" public schools, kids are no longer challenged and taught to think and write. I volunteered at our local high ...
by eye.surgeon
Tue May 26, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 72
Views: 3779

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

I live in California. I chose to live in a school district that is among the best in the state, Clovis Unified. Personally I would never live where public schools were so bad that I had to send my kids to private school. I also would not want my kids to miss out on public school experiences like spo...
by eye.surgeon
Sat May 23, 2020 1:47 am
Forum: Personal Investments
Topic: Roth IRA for children
Replies: 39
Views: 2717

Re: Roth IRA for children

Both my older children had summer jobs in my medical practice where they did legitimate work, were paid fairly with W2 income, and I made their maximum Roth IRA contributions for them. Many business owners here could do the same, forget about washing dishes. Something to consider-- every business sh...
by eye.surgeon
Tue May 19, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 105
Views: 6313

Re: $5k - $7k to replace engine, or get something else? (loan on car)

----------------------- Request that they repair the engine on the car they sold you for $13k so that you have a running reliable car or you will file complaints with local and federal government agencies, BBB, as well as notifying local print and TV media that they are not dealing with you in good...
by eye.surgeon
Tue May 19, 2020 10:09 am
Forum: Personal Investments
Topic: Total world vs total us + international
Replies: 23
Views: 1317

Re: Total world vs total us + international

I prefer to hold my international in taxable for the foreign tax credit and my domestic in tax advantaged accounts. Holding total world in tax advantaged accounts denies you the foreign tax credit. It's not a deal breaker but I've done more for less. For those with one account or who can't be bother...
by eye.surgeon
Thu May 14, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10764

Re: Dentist charges $10 for PPE

A little primer for those that may not know: dentists don't set the price of your exam in most cases and can't raise it to cover new costs N95 masks do not cost $1 and PPE required to see every patient, if you can even get them, probably cost in excess of $10 your dentist was not wearing PPE suffici...
by eye.surgeon
Wed May 13, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2056

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

FYI people, the "best doctors" awards are literally bought and paid for advertisements. I get calls regularly informing me I've won my local best doctor award and for only $200 to cover processing and shipping they will send me my plaque. My partner paid for a best doctor cover feature in an in-flig...
by eye.surgeon
Wed May 13, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10764

Re: Dentist charges $10 for PPE

I'd bet more than happy to pay $10 for my dentist to feel like he wasn't risking his life to see me. They need a N95 mask for every patient. My practice just paid $2.50 per mask for a bunch of them and even at that price they were hard to get. Add a shield and gown and gloves, not hard to hit $10.
by eye.surgeon
Wed May 13, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13315

Re: Delta Sky-nightmare

Anyone have any tips on how to get through to Delta? They no longer offer the callback option, so I can (and have) tried my luck with the 9-hour phone wait. Usually the phone drops. I've tried: 1) Facebook 2) Twitter 3) Their skymiles complaints portal 4) BBB complaint NOBODY freaking contacts me b...
by eye.surgeon
Wed May 13, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2056

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

- I'm on a HDHP/HSA plan, so I have to pay for everything. There is no information on pricing on how much a doctor's visit would cost. There is no Amazon for healthcare... it's so sad. How then do you figure out which PCP to choose? You don't appear to understand how your health plan works. A HSA i...
by eye.surgeon
Wed May 13, 2020 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Will Banks Consider Discount for Mortgage Payoff?
Replies: 14
Views: 1218

Re: Will Banks Consider Discount for Mortgage Payoff?

The longer you pay them 3.5% the happier they are.
by eye.surgeon
Tue May 12, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2087

Re: Hang on to old car or buy new one?

We have close to $1 million net worth and we have two Japanese cars from the 90s that have 150000 miles each... I make $200,000 a year... That is penny wise and pound foolish. Car safety has advanced a LOT since then. Here is a video of a crash test between a 1998 Corolla and a 2015 Corolla. https:...
by eye.surgeon
Tue May 12, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2087

Re: Hang on to old car or buy new one?

My vote is swapping cars
by eye.surgeon
Mon May 11, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: United Airlines miles and bankruptcy
Replies: 46
Views: 4058

Re: United Airlines miles and bankruptcy

A timely subject as I was looking at my delta rewards which are sitting at 700,000 and thinking I'm unlikely to travel much in the next 12 months or so. Who knows if Delta as we know it will even exist by then or if a reward ticket will be double the points it currently is.
by eye.surgeon
Sun May 10, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526457

Re: What are you up YTD? [Year To Date]

How are you guys doing so much better than market averages? Is it individual stocks (idiosyncratic risk) or did you guys time your new money contributions perfectly in late March? I am down somewhere between 10% and 13%. Not looking closely. Vanguard Total stock market is down 13.32% YTD which is m...
by eye.surgeon
Sun May 10, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 105
Views: 6313

Re: $5k - $7k to replace engine, or get something else? (loan on car)

Tough one. You're probably stuck fixing it. I'd probably fix it as cheap as possible and sell it personally. Bad luck as Honda products are considered reliable. If buying used, focus on 2-3 years old. That's the highest value for money in terms of cost vs remaining reliable life. This of course is j...
by eye.surgeon
Sun May 10, 2020 10:41 am
Forum: Personal Investments
Topic: Goal Reached - Now What?
Replies: 30
Views: 3345

Re: Goal Reached - Now What?

Hoping you folks can give me some guidance. I’m 57 and due to obsessive saving, I’m now financially secure enough that I can retire whenever I’m ready. I’m seriously considering in the next year but really, I’m just not sure what I want to do. While I’ve had both Vanguard and Fidelity model my like...
by eye.surgeon
Sat May 09, 2020 1:13 am
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6042

Re: College age kid wrecked his car...

Here is another option: College-age kid buys whatever he can afford to drive, using money he earns or borrows. You and your wife get on with your lives, as best you can. Everybody lives happily ever after. It amazes me how often this kind of advice is given on this board. Of course, OP shouldn't wr...
by eye.surgeon
Fri May 08, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2356

Re: Audi A8 or keep looking?

Old A8s are very expensive to fix and historically have poor reliability. That's why they are dirt cheap on the used market. Used S Class and 7 series are dirt cheap for the same reason. You can expect the repair and maintenance costs of a $100,000 car which it was when it was new. You asked for sug...
by eye.surgeon
Wed May 06, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Dealer won’t give back car titled in my name, how to proceed?
Replies: 71
Views: 5759

Re: Dealer won’t give back car titled in my name, how to proceed?

Agree with others in that as far as the law is concerned your brother stole your car and sold it. Calling the sheriff is likely to be more problematic for your brother, and potentially you if you're accused of participating in title fraud, than the dealer. Give the dealer the title and get a better ...
by eye.surgeon
Tue May 05, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55526

Re: How to get Toilet Paper ? seriously.

abuss368 wrote:
Tue May 05, 2020 7:42 pm
Home Depot had toilet paper over the weekend. I never saw that in the store before.
They've always had it.
by eye.surgeon
Tue May 05, 2020 12:19 pm
Forum: Personal Investments
Topic: Advice for new taxable account
Replies: 8
Views: 481

Re: Advice for new taxable account

Fidelity offers FZROX (Fidelity Total Market Index Fund)which is literally free/no fee, and tax friendly in a taxable account. Doesn't get any more Bogleheadish than that.
by eye.surgeon
Tue May 05, 2020 12:55 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4658

Re: Front load washing machine recommendations

Switched to LG front loader 1.5 years ago and have really liked them. Have had no smell or mildew issues. The door stays open a crack when not in use, not a big deal. Unfortunately the drain pump failed at 18 months. Covered under warranty but left us without a washing machine for more than a week.
by eye.surgeon
Mon May 04, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2257

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

oldfort wrote:
Mon May 04, 2020 2:13 pm
Probably more hassle than it's worth. What do you get in the mail, which would be worth stealing?
Prescription meds. Occasional letters with Account numbers and other personal information. Small packages from online shopping.
by eye.surgeon
Mon May 04, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2257

Is a locking mailbox necessary or helpful, or more hassle than it's worth?

I've lived in the same house in a quiet suburban middle class neighborhood for 18 years and never had mail or a package stolen. Recently I've seen my neighbors replacing their traditional mailboxes with locking ones. I understand mail theft and associated identity theft is a real issue and a problem...
by eye.surgeon
Sun May 03, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3898

Re: Lawnmower recommendation

Been very happy with my eGo electric.
by eye.surgeon
Sun May 03, 2020 10:15 am
Forum: Personal Investments
Topic: DAD Trying to accumulate wealth for his lil Girl (Special Needs)
Replies: 27
Views: 3788

Re: DAD Trying to accumulate wealth for his lil Girl (Special Needs)

I am in the same situation with my youngest of 3, 20 yrs old and diagnosed with autism when he was 3 years old. He will never live independently or be gainfully employed. In small ways, he has been cheaper than his siblings. He will never need a car or college tuition for example. These small saving...
by eye.surgeon
Wed Apr 29, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12662

Re: What explains the continued rise in equities?

1. as stated above, the market is not the economy 2. if you turn off the news and actually look at the facts, this is a temporary problem with a fairly definable end point that is in the US at least mostly focused in a 100 mile radius of NYC which is further away to me in California than, say, Beliz...
by eye.surgeon
Wed Apr 29, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: bond funds in taxable?
Replies: 13
Views: 679

Re: bond funds in taxable?

Vanguard has a California residents only muni bond fund that is a reasonable choice for California residents in a taxable account depending on your income/tax level and who you ask around here.
by eye.surgeon
Tue Apr 28, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55526

Re: How to get Toilet Paper ? seriously.

Check Amazon a couple times a day, I've ordered several times in the last month. It goes in and out of availability and that's the name brand stuff sold direct from Amazon not the weird stuff being drop shipped from China.
by eye.surgeon
Tue Apr 28, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31073

Re: Car Dealers not really wanting to make a deal

Just a heads up on a universal internet truth, no matter what price you paid for your car, someone on the forum will tell you that you got ripped off and they got a better deal.
by eye.surgeon
Tue Apr 28, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Ambulatory Surgery Center (ASC) - Setting Up
Replies: 7
Views: 814

Re: Physicians: Ambulatory Surgery Center (ASC) - Setting Up

I with 2 partners built a 2 room ASC 12 years ago doing eyes, plastics, ortho and pain. We ran it profitably for several years and then sold it to a large national manager of ASCs in return for cash plus shares. It was and continues to be financially rewarding but it is a daunting task and you will...
by eye.surgeon
Tue Apr 28, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Ambulatory Surgery Center (ASC) - Setting Up
Replies: 7
Views: 814

Re: Physicians: Ambulatory Surgery Center (ASC) - Setting Up

I with 2 partners built a 2 room ASC 12 years ago doing eyes, plastics, ortho and pain. We ran it profitably for several years and then sold it to a large national manager of ASCs in return for cash plus shares. It was and continues to be financially rewarding but it is a daunting task and you will ...
by eye.surgeon
Mon Apr 27, 2020 12:15 am
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2038

Re: In your experience, what is the credit card with the best customer service?

Agree with AmEx. But don't use it much because my of my 2% Fidelity card.
by eye.surgeon
Sun Apr 26, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5664

Re: Toyota vs. Kia Quality & Longevity

I think Kia quality as a fleet average lags Toyota, but then so does virtually every other manufacturer. Specific Kia vehicles are considered close to Toyota quality, including the Telluride although it is too new to have much of a track record. Perhaps more of a differentiator are Kia dealerships w...
by eye.surgeon
Sat Apr 25, 2020 9:15 pm
Forum: Personal Investments
Topic: Are our cash reserves too high?
Replies: 8
Views: 1745

Re: Are our cash reserves too high?

Hi Boggleheads, I have sat on the sidelines here in this forum for so long and have read all of Bogle’s books. I feel like it’s finally time to leave the shadows. We’re a young couple in our early 30’s with a baby on the way. We just moved to the US with a work visa one month ago amidst the outbrea...
by eye.surgeon
Fri Apr 24, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12694

Re: Moving out of NYC due to pandemic

My opinion is moving out of NYC as a physician will be one of the best financial decisions you ever make, regardless of Covid-19.
by eye.surgeon
Fri Apr 24, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

Sorry to hear that. We got ours through our local bank that we do business with, my impression is their personal effort due to that banking relationship was the key to getting funded. Wouldn't want to take my chances with a faceless mega-bank that just knows me as an application number.
by eye.surgeon
Wed Apr 22, 2020 12:56 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6808

Re: For those concerned about International Stocks...

International stocks have underperformed since 2010. Why would you invest in an underperforming sector? At least you should under-weight it. Check the performance of CXSE (China excluding state owned enterprises) versus SP500 for the past 5 years. The china fund did better by 2%+ per year. Even thi...
by eye.surgeon
Tue Apr 21, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9215

Re: Parents want me to pay off their mortgage in exchange for title

Surprised how many heartless responses there are to this question. Many if not most of us could afford to do this with little to no consequences financially. I’d do it in a heartbeat and not look back. Some things are more important than dying rich most especially the well being of my parents. I wou...
by eye.surgeon
Tue Apr 21, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4148

Re: Replacement for 4Runner

What you're describing is actually another Highlander. Can't help you with how it looks. I'm surprised you're so set against it based on looks, it's not like any Toyota is very attractive and certainly your current highlander wasn't sold on sexy looks. Let's be honest with 2 kids and a dog and 3 row...
by eye.surgeon
Tue Apr 21, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6105

Re: Are we spending too much on a house? 28yo & 24yo

I'd be more worried about the headache of co-owning a property with your girlfriend if/when you part ways.
by eye.surgeon
Mon Apr 20, 2020 8:48 pm
Forum: Personal Investments
Topic: Experience with Marcus Bank (no penalty CDs)?
Replies: 16
Views: 1611

Re: Experience with Marcus Bank (no penalty CDs)?

I just moved my EF and some money for taxes to the tune of about $200k into a few no penalty CDs at Marcus. I've used their phone support before also. They're good. Their website isn't as slick as Ally but I like the fact that there is a top tier brick and mortar bank behind the Marcus virtual store...
by eye.surgeon
Mon Apr 20, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Deflation is everywhere. Get used to it.
Replies: 151
Views: 14880

Re: Deflation is everywhere. Get used to it.

Not a political statement, but there have been many in the minority met with derision for stating that we will run out of the need for oil before we run out of oil.

Wonder how low gas at the pump will go. We could be filling the tank for $10.
by eye.surgeon
Sun Apr 19, 2020 1:33 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11837

Re: I'm out [of the market]

It's a mistake that will be unlikely to impact the quality of your life but there is no doubt your children/grandchildren will inherit significantly less. Selling in the middle of a down market is one of the worst mistakes an investor can make. Yours is mitigated somewhat by the fact that you only h...
by eye.surgeon
Sun Apr 19, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: AT High Risk and medical appointments
Replies: 13
Views: 722

Re: AT High Risk and medical appointments

vested1 wrote:
Sun Apr 19, 2020 9:47 am


The hospital is near capacity with COVID-19 patients.
Just curious where you are located where this is the case.
by eye.surgeon
Sat Apr 18, 2020 2:21 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1183

Re: [Looking for HSA provider that offers VTSAX or VTI]

Fidelity. zero fee total market in a no-fee HSA. hard to beat that.