Search found 48 matches

by Notsobad
Sun Feb 16, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone visualize their finances?
Replies: 48
Views: 3263

Re: How does everyone visualize their finances?

Used to use Quicken but left it years ago as They only had the non-investment versions for Mac. I preferred not to have everything online with an aggregator such as personal capital, so I use Moneydance for Mac. It is OK, but does the job of updating prices, transactions, adding it up and letting me...
by Notsobad
Sun Jan 26, 2020 2:48 pm
Forum: Personal Investments
Topic: How much do I need to retire early?
Replies: 99
Views: 11171

Re: How much do I need to retire early?

Can you hire support staff and train to do some of the work? Less profit, but that means less work for you. Of course, that might not be practical for your business.
by Notsobad
Mon Nov 11, 2019 8:33 pm
Forum: Personal Investments
Topic: Do you batch 529 reimbursement or match costs?
Replies: 14
Views: 1186

Re: Do you batch 529 reimbursement or match costs?

I batch it per semester.
by Notsobad
Tue Oct 22, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13248

Re: Ok to go without health insurance?

Not sure if it was mentioned above, but I’d like to make two points. There is talk about the protection against blocking people with pre-existing conditions maybe weakened or eliminated . Also, insurance companies have prenegotiated rates. If you went without insurance you would get charged the full...
by Notsobad
Wed Oct 16, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11370

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I started with iPhone and didn’t want to learn a new system. It works well with other apple devices. My wife and I get a new one every 3-4 years and pass the old one to my kids (or parents)

What it doesn’t do well is overcome by what it does well.
by Notsobad
Sun Sep 29, 2019 9:34 pm
Forum: Personal Investments
Topic: Munis in Taxable or Bonds in the 401K?
Replies: 41
Views: 3120

Re: Munis in Taxable or Bonds in the 401K?

Agree that it is less desirable to fill up Roth with bonds. Tax exempt bonds in taxable is reasonable if you have already filled up all tax advantaged accounts and are investing additional in taxable accounts. Of course, this is only a major issue if your taxable savings is a sizable portion of your...
by Notsobad
Sat Sep 28, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3727

Re: Should I sell my BMW

Find a good independent mechanic. They are usually much cheaper than the dealers. Although not as reliable and more expensive than a Camry, as posters above have noted, you can have a good experience. By 4 cylinder X3 has 110k and 7 years and has done well. Our Honda Pilot needed more expensive main...
by Notsobad
Sat Sep 28, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 16154

Re: Staying the course is so hard (support thread)

Again, although the conversation has moved far beyond what the original poster asked, most decisions in life are nonbinary. I seem too many people working/saving for an all or nothing scenario. Some people really do want to leave it all behind and travel the world, but most seem to want to escape wh...
by Notsobad
Fri Aug 09, 2019 4:10 pm
Forum: Personal Investments
Topic: Is my 529 glide path too aggressive?
Replies: 20
Views: 1805

Re: Is my 529 glide path too aggressive?

That’s what I have and I did eventually move one account to the conservative age-based plan in senior year of high school. But that was only because this was my version of a market timing and not wanting to lose the market gains. Overall the default glidepath for the Moderate and aggressive are stil...
by Notsobad
Fri Aug 09, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5848

Re: NP degree worth the investment?

Job satisfaction is a great thing. All the NPs I know like their jobs and the pay is clearly well above most nursing jobs. CRNA pays well, but one has to enjoy that sort of thing. Also, NPs can change from primary care to specialties and from hospital to office based work if they wish. The value of ...
by Notsobad
Sun Aug 04, 2019 4:38 pm
Forum: Personal Investments
Topic: Question about Schwab changes
Replies: 19
Views: 2162

Re: Question about Schwab changes

Fortunately, I have not been contacted other than generic emails, which I have completely ignored.

If they did contact me, I would politely decline their services.
by Notsobad
Sun Jul 28, 2019 9:55 am
Forum: Personal Investments
Topic: Colorado 529 - 1 year out
Replies: 8
Views: 670

Re: Colorado 529 - 1 year out

I use a different state , but found the age based investment options offered a glide path to fixed income investments that I was happy with
by Notsobad
Sun Jul 28, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4531

Re: VOIP - what do you use?

We use ooma basic since we wanted a home phone line. Works fine. Only a few people call this number.
by Notsobad
Fri Jul 26, 2019 10:47 pm
Forum: Personal Investments
Topic: Perpetual withdrawal rate for non-retirement savings
Replies: 12
Views: 1846

Re: Perpetual withdrawal rate for non-retirement savings

You state that your retirement savings is “coming along,” which assumes that you be meeting your contributions for the future. I too conceptualize my savings as being in different pots or allocations. But it makes more sense to me to front load your long term savings (it compounds!) and maybe take 1...
by Notsobad
Sat Jun 29, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closing inactive credit card.
Replies: 15
Views: 1717

Re: Bank closing inactive credit card.

I have an account being closed as well, due to no activity for 5 years. It is annoying since it is my only non joint credit card, which I wanted to have as a backup. My account is locked now, so it is too late for me to use it. My other cards have gradually raised their limits, so I hope to be fine ...
by Notsobad
Sat Jun 29, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 2202

Re: Going to switzerland this september-advice?

The half price pass worked out for us and was cheaper than the Swiss rail pass. You have to calculate the total cost based on your planned route. You can find out the prices at Www.sbb.ch This site works much better than rail Europe for routes with any complexity. After we tallied our planned itiner...
by Notsobad
Fri Jun 21, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1340

Re: Grand Canyon/Death Valley in October

Zion, Bryce and Grand Canyon will easily take one week. Stopping in Page Arizona for the slot canyons is a bonus. If you do South rim of GC don’t forget to stop at Horseshoe bend.

Zion and Bryce should have 2 days each, minimally.
So much to see around there - can’t possibly see it all.
by Notsobad
Sun May 19, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: Factor ETFs For Diversification Or “Diworsification”
Replies: 126
Views: 7728

Re: Factor ETFs For Diversification Or “Diworsification”

And all of the above again explains why most of us are better in the simpler strategy of index funds for stocks and bonds. Otherwise we could become caught in the endless struggle for a “better” portfolio. To either beat market returns or feel more protected from volatility. So we can’t beat the mar...
by Notsobad
Sun May 05, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2610

Re: College Tours and Open Houses

Tours are helpful. We looked at various schools up and down the east coast. Many many schools can provide a good education, but I believe that some schools might be a better fit for a particular student. To an extent, the environment and peer group can help a student thrive. But success can be built...
by Notsobad
Sun Apr 28, 2019 4:09 pm
Forum: Personal Investments
Topic: pay down mortgage vs. invest in taxable?
Replies: 30
Views: 3470

Re: pay down mortgage vs. invest in taxable?

Take a look at your savings goals and see how you are doing. I would have the first priority for retirement savings (including taxable account investing) then college savings, then paying down the mortgage. This assumes you have no credit card, auto, or educational debt. In your situation, I would p...
by Notsobad
Sun Apr 07, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Roth income limits in employer plans?
Replies: 8
Views: 500

Re: Roth income limits in employer plans?

No income limit for contributions, but I believe any match must be traditional pre tax contribution to the 401k, at least that is how it was explained to me.
by Notsobad
Sun Jan 27, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Keep Grinding or Make the Leap? (Relocation: age, family, career considerations etc...)
Replies: 27
Views: 2702

Re: Keep Grinding or Make the Leap? (Relocation: age, family, career considerations etc...)

This is more of a personal than financial decision, as one could easily make the case for either choice, and you can still have a secure financial outcome.

Many of us would put more weight on advantages of staying, especially family, but only you two can decide what is of most value to you.
by Notsobad
Sat Jan 26, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: flat fee advisor only for individuals?
Replies: 6
Views: 678

Re: flat fee advisor only for individuals?

Why can’t you just get the flat fee advisor to tell you what to do with the retirement account?
by Notsobad
Sat Jan 26, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 3045

Re: Car maintenance - dealer or independent shop?

Have used an independent shop for Audi and BMW once out of warranty, but we used Honda for the entire time we owned the car (120k) since the service was good and inexpensive.
by Notsobad
Sat Jan 26, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 1.2% is a competitive fee?
Replies: 24
Views: 1370

Re: 1.2% is a competitive fee?

I pay myself 5% to manage my portfolio (kidding) The simpler the portfolio, the less management is needed. Mine is medium complexity, could be simpler. I do not believe a professional manager could improve my return by more than 1%, to offset the fees. When vanguard used to have in house annual fina...
by Notsobad
Sat Jan 26, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 20
Views: 1426

Re: Simple "Skype" Device for Video Chats???

iPad with skype. Or google hangouts etc Very easy to use, no booting issues. We have been able to be tech support over the phone since we are familiar with IPads If you like android, then use an android tablet with Skype, and you can walk her through issues if they arise (and they will) like inadver...
by Notsobad
Sat Jan 26, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 20
Views: 1426

Re: Simple "Skype" Device for Video Chats???

iPad with skype. Or google hangouts etc Very easy to use, no booting issues. We have been able to be tech support over the phone since we are familiar with IPads If you like android, then use an android tablet with Skype, and you can walk her through issues if they arise (and they will) like inadver...
by Notsobad
Sat Jan 26, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4994

Re: Do you ever feel overpaid?

Actually, I do. Not compared to others with my specific job, but when compared to others with similar hours and education. I am lucky that what I am good at and enjoy doing (most of the time) is well compensated. Unfortunately what different jobs earn is not always fair. In my view there are many jo...
by Notsobad
Sun Nov 11, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 36
Views: 3683

Re: high deductible vs. PPO calculation--high deductible always wins?

One consideration that I don’t think has been mentioned is the incentive that HDHP gives to not consume medical services. Sometimes that may turn out to be ‘penny wise but pound foolish ~~~~~~~~~~~~~~~ Sorry couldn’t figure out how to quote. There is some suggestion that higher out of pocket lead so...
by Notsobad
Fri Nov 09, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2615

Re: iMac + iPad Pro

I have a 5 year old Mac Air that can run capture one pro and Photoshop, though it is starting to slow down now. I am sure the new ones are up to speed. I am getting an iPad Pro as it will meet my needs. Clearly it will be able to do more than I need, but I will use it for Lightroom and photoshop, an...
by Notsobad
Fri Nov 09, 2018 1:40 pm
Forum: Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3645

Re: Convinced wife to invest but wants her own accounts

Nothing wrong with having separate accounts, but joint tenancy by the entirety has some asset protection benefits as well as the other benefits of a joint account.
by Notsobad
Fri Nov 09, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 12734

Re: If expenses are low, are some of us over saving?

I think everyone should front load savings and debt repayment for several years then loosen the screws and spend more. This way the magic of compounded interest can work for you while you allow for some pleasure spending. The percentage of saving does not need to be static.
by Notsobad
Sat Oct 27, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6182

Re: "consultation fee": standard for preventative colonoscopy?

Your experience will vary based on the setting and the state. In a large Kaiser like organization the PCP may be responsible for making sure the preprocedure risks are taken care of. There are likely varied requirements for documentation before having a procedure done. For some insurance the procedu...
by Notsobad
Tue Oct 23, 2018 7:03 pm
Forum: Personal Investments
Topic: Pay cash for the new car or finance (and what to invest with the cash)?
Replies: 32
Views: 3155

Re: Pay cash for the new car or finance (and what to invest with the cash)?

Good question. It depends. The more you have saved and invested already then the more it makes sense to pay cash and move on. If there are shortfalls in your annual investment goals then consider taking the loan and putting away more now, to allow for longer market exposure. Any investment should sl...
by Notsobad
Sat Oct 06, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14585

Re: What is your annual cost for health insurance?

Family coverage HSA plan with about $2500 per person and $6k family deductible. I am a partner in the business so I pay both employer and employee portion. Rounds to $20k premiums per year. We are now a self insured company and last year the expenditures were less than premiums. Yet the insurance co...
by Notsobad
Fri Sep 28, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 5160

Re: Ventilated car seats?

Ventilated seats are great. Now on a warm or hot day my back is not damp and sticky from sweat.
by Notsobad
Sat Sep 08, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 8704

Re: Should I keep my financial advisor

Interesting discussion. I am not up to the DIY standards of many of the posters here. I gladly pay my CPA to do my tax returns. I gladly pay a lawyer to create a will, rental LLC, etc. I would gladly pay a financial advisor a fee to give me a checkup and advice on making any changes. I would certain...
by Notsobad
Sun Sep 02, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 13501

Re: How do you 7 figure guys organize multiple accounts?

Moneydance. Works on Mac and you can keep the data at home, not on the company servers. I don’t have the excel skills to make a nice spreadsheet to help me with calculating asset allocation. I wouldn’t want to manually update everything after monthly investments, dividend reinvestment and price chan...
by Notsobad
Fri Aug 17, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 4610

Re: Best (most practical, low cost) Luggage for Airline Travel

Would stick to soft side luggage as these are more flexible. 4 wheel spinners are more convenient in airports but don’t handle as well on rough roads, and the wheels take some space. As with others things the better quality items usually cost more. Travel pro is highly rated and moderately priced. S...
by Notsobad
Wed Jul 04, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 4394

Re: Cordcutters - Playstation Vue

Just got off of Comcast bundle and went down to internet only and Ooma for home phone and Hulu plus for streaming TV. I anticipate monthly saving will be $100 a month, even though I went to a faster internet plan. I liked the channel selection and the cloud DVR option. The best facet is that there i...
by Notsobad
Thu Jun 21, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 59681

Re: What is/ was your career and would you recommend it now?

Physician Would still recommend. There are challenges of Med school debt, and the issues of the changing work environment from the hospitals and big businesses of Pharmacy, insurance, etc. I graduated long enough ago that my debt was manageable. Despite this, there is good job security, we make a go...
by Notsobad
Thu Jun 14, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 49
Views: 4684

Re: Question for those who used 529 plans

We used the low cost (Vanguard) 529 plans and used aged based portfolios. We invested as much as we could for several years and then let it ride more recently. The fees are low and we basically got stock market returns, through the 2009 fall and back up again. Some of the accounts more than doubled ...
by Notsobad
Thu May 31, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 7675

Re: Instant pot pressure cooker

We like ours. Easier than the stovetop pressure cooker as it has a timer. Highly rated on Amazon, Wirecutter, and I believe, consumer reports
by Notsobad
Sun Apr 29, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 67
Views: 9264

Re: Credit Card for International Travel

+ 1 on the Barclay cards. I have the arrival plus, but they have no fee versions as well, just lower rewards. It is nice to have Chip and PIN, so that you can use the train ticket vending machines and gas pumps if needed. I don't know why the other cards don't have the ability to set a PIN. Annoying...
by Notsobad
Sat Jan 20, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 40
Views: 6959

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

Glad to see that the Costco card has made the change Just got chase sapphire Reserve due to the enhanced travel rewards and lounge access Have a Schwab bank account so use this for ATM fee reversals worldwide. Once the Bank of America card charged us $13. We have had the Barclay Card arrival,plus fo...
by Notsobad
Tue Jan 16, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 23086

Re: How does everyone keep track of your portfolio?

I used microsoft money once upon a time. Once it stopped updating, I used Quicken and liked it to track expenses and investements. When I stopped using windows, I did not like quicken Mac, so I have used Moneydance. It is a bit clunky, and can be cumbersome to use, and requires more manual correctio...
by Notsobad
Mon Jan 15, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Help with 529: Save for College vs Pay for Private School
Replies: 14
Views: 1394

Re: Help with 529: Save for College vs Pay for Private School

I have considered withdrawing up to 10k per child to pay for private high school, as there have been considerable gains in their accounts, and the existing balance is enough for college (but maybe not grad school) I can harvest those tax free gains now. My youngest has 4 more years of private high s...
by Notsobad
Mon Jan 15, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 9495

Re: Do people in the forum hold foreign bonds?

I have read some recommendations to hold international bonds, so I did add a global bond funds within my 401k. However it comprises only a small portion of my total assets at this point. Less than 5 percent. The theory is that the ex US bond rates and prices may March discordantly from US bids, I su...