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I've had the echo studio (and Amazon music unlimited) for about a year now. I think the sound is great. I'm not sure if 3 times the price is worth it for background music but it cranks out some serious sound

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We ordered a bike+ this past Sunday. Reason we went for the plus was the rotating screen and the auto resistance. The rotating screen because we plan on using the other classes they offer and I read that the auto resistance was quite popular. If you are military (or former military) or health care/f...

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I did not receive any ABNB shares, and I will agree with AnilG that it really is a marketing ploy. Certainly the marketing worked for me to move my account from Vanguard to Fidelity. I had wanted to get SNOW shares, however I realize now it doesn't matter how much you have with Fidelity, you are no...

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TravelforFun wrote: ↑Fri Nov 20, 2020 7:23 pm OP, give chess.com a try. I didn't think I would like to play an online opponent but now I'm hooked.

TravelforFun

+1, I have the app for chess.com and its great. Have been taking lessons which I find helpful as well

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We put up a screened in porch this past year (finished in Mar/Apr) and its been great. We are also in maryland. We added sunscape windows and heaters. Haven't had a chance to fully test out the heaters but the porch has been amazing especially for the kids during the pandemic. We've liked the sunsca...

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lucky_tech_guy wrote: ↑Sun Oct 25, 2020 6:01 pm Buy an Audi R6 Avant and then sell it to me in 3 years. Win-win my friend.

Unfortunately it'll probably appreciate in those 3 years. That car is sweet!

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I would definitely do it. But set up some rules. Someone earlier mentioned sticking to where you feel you some kind of edge or sense that you know something that others are missing. I don't buy many individual stocks, but on a few occasions I've come across some companies like Equinix (actually a R...

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Banking is fine. No great rates though. I use their 2.5% cash back limitless credit card, while they pulled the product for new people, i'm glad they have honored it for those of us who got it. only general purpose card that might be better is one of the BOA cards with the top tier perks due to ass...

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Physician on fire has an outstanding step by step on it. Theres also how do to the 8606 through TurboTax. I go back to the website every year to make sure I do it correctly

https://www.physicianonfire.com/backdoor/

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The fantasy football season should be starting soon, always a good way to occupy your time (and scratch that itch)!

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As an update on this, THNQ has been killing it this summer. +28% since launch on May 11. In the same timeframe, VOO is +14% (so THNQ is doubling the S&P 500's gains), VUG (large-cap growth) +19%, VGT (tech) +20.5%, QQQ (Nasdaq 100) +19.5%. Graph here: https://stockcharts.com/freecharts/perf.php...

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Why would you buy a new car, which depreciates 1/3 when driven off the lot, as opposed to a low-mileage preowned? Any Toyota owner here knows that your statement is false. Oftentimes a 1-2 year old Toyota is only $2,000 less than a brand new one. I was fascinated to see this as well when I was shop...

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I'm 1 year into ownership of a 2019 Model 3 Performance. No major issues aside from mildew smell coming from A/C which supposedly they have resolved with a new part that allows for proper drainage of condensate.. I have a service appointment scheduled (my first) to have it taken care of. Overall, I...

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As other posters have mentioned you have plenty of great options in the surrounding counties (howard county- columbia/ellicot city, Baltimore County, Harford county). Schools are great (in most parts) as well. Definitely not as hcol as closer to DC either

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I bought the echo studio a few months ago and opted for the HD unlimited plan. I've been happy with the selection and quality but am not a major audiophile.

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I love the schadenfreud here. It seems specifically reserved for doctors. I suspect this is due to the vast majority here not making a physician income and physicians being the ‘wealthiest,” people-here and elsewhere are most likely to meet. Its sad because over the years its gotten worse. Its also...

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HomerJ wrote: ↑Sun Jun 14, 2020 1:07 pm "After years of disappointment with get rich quick schemes, I know I'm gonna get rich with this scheme. And quick."

-Homer Simpson

(Me, I got rich slowly - worked out pretty well)

On his best (among many) quotes!

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Have you asked him what his "strategy" is? Like is he trading in some niche field and has some knowledge that the typical investor (or hedge fund manager) doesn't? Honestly I'd be curious to and you can ask him to clue you in real time so you can paper trade like the previous poster put it...

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I have a md 529 plan for one child and went with vanguard for the other. I would look closely at the fees for the fund choices (I think it's through t Rowe price) as they can be quite high, particularly for their target date equivalent.

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The Audi RS6 Avant is finally coming to the US. Run with the supercars on your way to get bagels, have space to bring more bagels home. https://cnet4.cbsistatic.com/img/6hIB3Oh1aHJZck3duRvjVL-D-Yo=/980x551/2019/11/25/2ba5689d-11fc-4ae5-be9c-f9731789e08c/2020-audi-rs6-avant-025.jpg This is what I wo...

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Thank you for your help Game D2T, I was afraid you would say that. So what reason(s) would someone buy the Dashlane Manager program when ALL Password Manager programs require that you do the exact same thing as Dashlane? One thing that I can think of is that if you change/update a password with Das...

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I've used dashlane for about 2 years now and like it. You do have to go to the websites to change the password initially and sometimes dashlanes password generator doesn't conform to the specific rules of the website so that can be a pain. Otherwise it does sink through the app and Chrome has a func...

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I am in the process of doing the VA IRRL and am getting 2.75% for a 30 year (down from 3.75% I got in 2017). I would definitely check back in to that option. I got a few quotes from Costco (you can check the various refinance threads on this site which have been helpful) If I could get sub %3 on a ...

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I am in the process of doing the VA IRRL and am getting 2.75% for a 30 year (down from 3.75% I got in 2017). I would definitely check back in to that option. I got a few quotes from Costco (you can check the various refinance threads on this site which have been helpful)

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I just got the eero pro with two beacons from microcenter today. I couldn't quite figure out the installation because I have a wireless router/modem combo. I called the customer service and they were excellent.

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Went to Costco this morning at 10:30 and never saw so much Costco toilet paper since becoming a Price Club member all those decades ago. Will try to post a picture. https://i.postimg.cc/fLMvwLsv/thumbnail-IMG-20200504-104527874.jpg Thanks for posting. I forgot what toilet paper in a store looks lik...

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I’m a former software engineer and now a doctor (MD). My nephew who has a doctorate in computer science and works in machine learning agrees with me. Self-driving cars are never ever going to happen. As in never be able to get in your car and drive you to work. Never ever as in not in your lifetime...

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Man thats sophisticated. Thanks for posting at least it will remind me to always be extra vigilant

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Do not take a voluntary pay cut. This. This. Yes. As an employed physician myself, I am UNDER CONTRACT for my services. If my employer asks for pay cuts, and they have, I point out that the CONTRACT states the nature of my pay. In my own case, I let them know I was ready to walk away if they broach...

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Do you know COBOL?

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I shoot in raw, edit in lightroom and export to jpeg in folders on my harddrive. I also have the raw files in a separate folder with the same name as the corresponding jpegs. I then upload to google photos as an online backup. I use amazon to upload my raw files. Probably a lot of redundancies and o...

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One important caveat: as mentioned by another poster, do not do it if you have been accepted by an "off-shore" medical school (i.e., a Caribbean or even European one). It is becoming more and more difficult for International Medical Graduates (IMGs) to match for a residency position (even...

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I wish vanguard did this as well! I've spent a lot of time trying to find various places on their website they may have hid the YTD performance thinking they must have it calculated somewhere.

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2999!

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The 2020 hybrid with 35 ish mpg is definitely tempting! I'm not too certain how much difference they'll be (besides styling) otherwise

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This happened to us in 2014 in maryland. We were sharing our in laws sdb to store family jewelry and they went to check on it and the box was gone. The bank blamed us for the ordeal. We ended up filing a police report and submitted pictures of the contents to the bank. About 3-4 months later the ban...

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I'm an AME but have no idea about your question since I don't fly. I've never seen anything remotely related to the AME related questions on my taxes (I use turbotax). Have you tried asking your regional office?

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There's a mountain of evidence that earning more money beyond having your needs comfortably covered (think $60k to $100k range for a family of 4 in most areas of the US) doesn't make people happier. I think the assumption in these studies, which is often true outside of the Boglehead community, is ...

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Have you looked at days on market for the neighborhood for similar prices houses? That might be a good indicator of how hard it will be to sell should the need arise

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I work in a hospital in Baltimore and commute from Howard county. As another poster put it the schools are on par or better than Montgomery county. There are some great resources for special needs kids as well. Many of my colleagues live north of the city in Baltimore county and utilize either the p...

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another question is does she like to post process? I have a FF and shoot in raw and edit in lightroom (purely a hobby). I enjoy this part as much as taking the pictures. although i have been impressed with what phones can do with editing images as well. And i feel like most of my family looks at my ...

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I have their target date fund (I think the ER is 0.78). I've had it for a while now and have thought about getting out of it but part of me feels like I don't want to pay the capital gains. I guess this might be an incentive to move it if this new company is taking it over

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Like other posters I think dc has some great places. Tom sietsema is usually spot on. Rasika is great. The inn at little Washington (about an hour outside dc) is amazing!

You'll have plenty of good options to enjoy

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You could start by designating one Vanguard fund as absolutely untouchable. Money goes in but never comes out. Ideally give your wife total control of that account, so you can't even check the balance, let alone move it around. Then you can continue to play with your other investments, if you can't...

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Ha I've actually been thinking about this as the FF season is getting underway 1) the more I "actively" manage my team I don't think I actually do any better 2) most of the fantasy advice people don't outperform and are wrong about their "picks" 3) it's really hard (IMO) to know ...

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For those of you with savings/emergency funds in vanguard prime money market how quickly can you get that money out? For example if you needed $15k on a weekend for an emergency would you be able to pull it out right away? I feel like if it's my savings account at least my bank would be able to get ...

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Smarter than the market? ragnathor and DownToThis, if you haven't yet read this excellent article by Morgan Housel, "The Psychology of Money," it's worth a look. Read it carefully and you will see why the Boglehead philosophy of investing works. Actually, it should be required reading for...

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Thank you for posting this. I'm new to bogleheads and I've been thinking about this type of stuff recently. I have some individual stocks I bought before coming here that have done well. But I have a feeling that won't last. I'm a buy and hold type and the majority of my money is low cost index fund...

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Has anyone looked into the 2019 toyota Rav4? the redesign looks pretty nice and the hybrid version seems like a good bang for the buck. Doesn't come out until winter though.

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