Search found 233 matches

by Xrayman69
Mon Nov 11, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 172
Views: 8950

Re: Saving seats on Southwest

I fly frequently and usually board A15. When I travel with my wife and kids, I will save seats. When people see my seats save, they ask me if they can sit there. I say "My family is traveling with me and I'd like them to sit there." I have never had a problem with people choosing other seats. .... ...
by Xrayman69
Sun Nov 10, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 172
Views: 8950

Re: Saving seats on Southwest

On some Flights with a layover and an individual or group is flying through To the next destination these passengers are allowed to deplane. They are not issued another boarding pass. They can return before General loading or even later. The gate agent Has a list of names and they need to carry the ...
by Xrayman69
Sun Nov 10, 2019 8:59 am
Forum: Personal Investments
Topic: Should I use my 457(b)? Worried about disbursement options...
Replies: 32
Views: 1315

Re: Should I use my 457(b)? Worried about disbursement options...

With “If you pay 25% tax on your $10k, you have $7.5k to invest. When it doubles over the intervening years, you again end up with $15k in your account.” If placed in a taxable account Would the individual have to pay capital gains on the 7.5K when it doubled? For the most part, capital gains are r...
by Xrayman69
Sun Nov 10, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3644

Re: Tale of 2 doctor job opportunities

Question about job 1 for some clarity and risk assessment as well as valuation You would be the 3rd member. Other current partners make around 700k year while you do the same work and make about 300K. I get this in that they have invested in all the infrastructure and relationship equity for the pra...
by Xrayman69
Sun Nov 10, 2019 8:24 am
Forum: Personal Investments
Topic: Should I use my 457(b)? Worried about disbursement options...
Replies: 32
Views: 1315

Re: Should I use my 457(b)? Worried about disbursement options...

This is where you are thinking incorrectly. There is no benefit. It works out exactly the same. Example. Imagine that you have $10k to invest. If you invest $10k and it doubles to $20k over the intervening years and is then taxed at 25%, you end up with $15k in your account. If you pay 25% tax on y...
by Xrayman69
Sun Nov 03, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3667

Re: No out of network coverage

I think that's exactly the case with our employer health insurance (BCBS of NJ, HSA high deductible plan). This year my doc recommended to get a colonoscopy done (way below 50). After dozens of calls with the doc office and BCBS, I got an impression that if the insurance doesn't deem the procedure ...
by Xrayman69
Sat Nov 02, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10549

Re: Apple Pay. Does anyone use it?

I'm not sure why you are overly concerned about the privacy of touch id and the wallet app specifically; I had answered it up-thread ... I see that some of the larger credit card companies are rolling out contactless credit cards. These use essentially the same NFC technology as Apple Pay but it is...
by Xrayman69
Sat Nov 02, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10549

Re: Apple Pay. Does anyone use it?

I use Apple Pay for everything but don’t have an Apple credit card Me too I use it every time it is available. I have two credit cards in my apple wallet. It always defaults to one card. I occasionally want to use the other card but not sure how to do it efficiently in real time without a bunch of ...
by Xrayman69
Sat Nov 02, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Interest from loans
Replies: 19
Views: 1124

Re: Interest from loans

To be honest, I do not have any documents or notes. It is between me and a few colleagues that I have done business with before, and I know they are good for it. I do have Facebook and text messages, if that counts? I am honestly not even worried about the part of being paid back, I am more concern...
by Xrayman69
Mon Oct 28, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8781

Re: How much do you plan to spend on your children's weddings?

Why? Why is it on you to be prepared for someone else's desires, especially if they are ridiculous, in your mind? For God's sake, they are my sons, not strangers on the streets, or any unknown people on a charity organization's list that many people here are eager to denote money to. +1. I love my ...
by Xrayman69
Mon Oct 28, 2019 3:09 pm
Forum: Personal Investments
Topic: High Yield Funds in Taxable Account--what to do?
Replies: 19
Views: 1305

Re: High Yield Funds in Taxable Account--what to do?

If you make charitable contributions, you could give away appreciated shares instead of donating cash. This would let you escape the capital gains taxes. Piling onto this you could look into a Donor Advised Fund. Also make sure you are not reinvesting dividends or capital gains distributions into t...
by Xrayman69
Sun Oct 27, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home
Replies: 13
Views: 941

Re: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home

Would this individual write a check to themselves every month as “rent”?

In turn would this “rent” be taxed as income?
by Xrayman69
Sat Oct 26, 2019 11:24 pm
Forum: Personal Investments
Topic: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.
Replies: 93
Views: 10826

Re: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.

On the same lines as this topic may I inquire about a possible scenario: 1.5M equity on home 1.4M retirement accounts 400k taxable account 350K cash or equivalent accounts (liquid with 5 days) 150k mortgage remaining at 3.5% 12 years left in home Reliable and armature consulting income at 600K annua...
by Xrayman69
Sat Oct 26, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 1811

Re: Wireless exterior video camera

Your specs basically describe the simple and inexpensive Blink camera from Amazon. They are battery operated, wireless and include the free cloud storage. Amazon sells a 2 camera solution with 1 sync module for $180. The system is very barebones, but does a nice job of providing security video. I h...
by Xrayman69
Sat Oct 26, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11619

Re: Inside Fisher Investments

Fisher Investments has been in the news lately after Ken Fisher went on a sexist tirage in a meeting and now public pensions are pulling their money out to the tune of 1.8 billion to date. So now Bloomberg decided to do an investigative report on the inner workings of Fisher Investments. You can fi...
by Xrayman69
Sat Oct 26, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Reduce roth 401(k) to just match to prepay mortgage?
Replies: 50
Views: 2485

Re: Reduce roth 401(k) to just match to prepay mortgage?

Decisions about pre-paying a mortgage cannot be made in a vacuum. This is why I (and many others) are asking why you have chosen to use Roth, how close you are to retirement, and what your portfolio looks like. Without such information, the advice you will get will only be the most general kind. Wh...
by Xrayman69
Sat Oct 26, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15096

Re: I no longer plan on retiring early

OP, I suspect your patients are better off as well having a provider who wants to be there as opposed to has to be there.

Congrats on the achievement. What a wonderful feeling it must be to now go into the office with a refreshed view.
by Xrayman69
Sat Oct 26, 2019 7:25 am
Forum: Personal Investments
Topic: 29yo Targeting FI at 40 - Review Request
Replies: 28
Views: 3491

Re: 29yo Targeting FI at 40 - Review Request

Perhaps when the time arrives instead of selling house you could rent it out as a source of income and rent in a lower cost location.
by Xrayman69
Sat Oct 26, 2019 7:09 am
Forum: Personal Investments
Topic: take lump-sum from pension or not?
Replies: 16
Views: 1243

Re: take lump-sum from pension or not?

Spouse ?
Spouse working or has source of income?
Children?

25K with no survivor benefits, would this income be necessary for the above ? Would this require maintaining a life insurance policy for replacement ?
by Xrayman69
Fri Oct 25, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another how much mortgage can I afford post.
Replies: 34
Views: 2558

Re: Another how much mortgage can I afford post.

To the OP, What some people call a “want” or “upgrading” may simply be on your account a desire to have some more space (family of 6) after many years on loving lean. If you maintain a responsible lifestyle than yes you can afford this price home. Don’t feel bad or shamed that you can afford a more...
by Xrayman69
Fri Oct 25, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Another how much mortgage can I afford post.
Replies: 34
Views: 2558

Re: Another how much mortgage can I afford post.

To the OP, What some people call a “want” or “upgrading” may simply be on your account a desire to have some more space (family of 6) after many years on loving lean. If you maintain a responsible lifestyle than yes you can afford this price home. Don’t feel bad or shamed that you can afford a more ...
by Xrayman69
Fri Oct 25, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: How to learn to communicate better as a leader?
Replies: 13
Views: 1289

Re: How to learn to communicate better as a leader?

“Radical candor” book written by a former Apple and google trainer. Both companies very diverse internationally in their workforce.
by Xrayman69
Thu Oct 24, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11619

Re: Inside Fisher Investments

I’ve always been a little curious why various funds and hedge funds are compared to other “peer” funds. Similar to what Buffett did when he bet the hedge funds I compare everything (Cost and fees) to a low cost S&P 500 or total market fund (cost, fees, and dividends). Why would I care if the fund or...
by Xrayman69
Thu Oct 24, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119626

Re: What frugal thing did you do today?

A Broadway singer I like came to my city to do two shows (Wednesday and Thursday night this week) in a jazz venue. Tickets were $50, and these kinds of shows usually run about 75 minutes. I couldn't quite make myself pull the trigger for $50, so I called the box office to see if they had any discou...
by Xrayman69
Wed Oct 23, 2019 8:25 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12080

Re: High income earner waiting for a bear market to start investing

OP started this topic on October 21. Sounds like a smart or at least a capable learner. Late start in the 40’s. No school loans (possibly because others have invested in the individual and thus paying the rent????) OP, read some basic books or references provided previously. This can all be done rel...
by Xrayman69
Wed Oct 23, 2019 7:30 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11619

Re: Inside Fisher Investments

What...... I’m shocked that their is gambling occurring..... they/he is just a salesman trying (and apparently effectively) peddling their merchandise. “If you have 500k of investible money” or something to this affect is their pitch on TV. It plays to an individual’s sense of exclusivity bit just a...
by Xrayman69
Fri Oct 18, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: 2019 year end car buying experience
Replies: 46
Views: 5079

Re: 2019 year end car buying experience

I find it challenging sometimes when dealers don’t have the same car with the same package.

They always give the runaround about options yada yada yada....

Went to Costco and ordered a car. No hassle single price listed.
by Xrayman69
Mon Oct 14, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3824

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

Game pass also gives you option to turn off spoiler alert.
by Xrayman69
Sat Oct 12, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3824

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

Yahoo sports streams free Sunday night, Monday night and Thursday night NFL games.

Sunday ticket takes care of Sunday day games.
by Xrayman69
Fri Oct 11, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 1970

Re: Working in a different city

Grass greener on the other side no matter what side you stand.

Very few “perfect” jobs.

“You can have anything you want” but “ you can’t have everything you want”. Paraphrase of Ray Dalios to his kids.

You must make choices and sacrifices.
by Xrayman69
Mon Oct 07, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Malpractice Tail Coverage - Difficult Decision?
Replies: 9
Views: 964

Re: Malpractice Tail Coverage - Difficult Decision?

Does you new employer (if employment model) have a malpractice company that will permit you to purchase tail coverage and receive a discount ? And would your new employer also be willing to pay for the tail as part of hire?
by Xrayman69
Tue Sep 17, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11580

Re: How do you spend money to gain time? (young family)

Private tutor for after school 1 hour 4 days a week (3rd grade) who has been working with our family for 2 years. Former teacher at the school wanted some extra cash. My wife and I are not teachers and I had no idea of how to teach a 6 year old first grade. My attempts were counter productive. Start...
by Xrayman69
Fri Aug 23, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: First time traveling to Seattle this weekend. Advice?
Replies: 35
Views: 2088

Re: First time traveling to Seattle this weekend. Advice?

Need more details. Age and number in your party? Interests? Ferry is a great idea, but probably not to Alki beach. Consider Bainbridge or Vashon. For food, head to the Ballard neighborhood for some Scandinavian bakeries. Tons of microbreweries if you are into beer. Given limited time, I think the w...
by Xrayman69
Sun Aug 18, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11179

Re: Aliens have captured my husband [wants to buy a Porsche]

I’ve been fortunate and found our Porsche’s over the past decade to be very reliable. Reasonable annual cost for maintenance and a pleasure everyday to drive.
by Xrayman69
Sun Aug 18, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7404

Re: Moving from Bay area, CA to Knoxville, TN

Weather is also a factor.
by Xrayman69
Tue Aug 13, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 5531

Re: Cutting the Cord - NFL Network?

So looks like PlayStation Vue is a contender. What do people recommend between Roku, Amazon Firestick, etc? Want it to be as easy as possible, we have two Sony smart TVs I have PS Vue thru 2 Roku's, 1 AppleTV, 1 Roku Stick & 1 Roku Express. The last two I mentioned I got on sale for $25 each. They ...
by Xrayman69
Tue Aug 13, 2019 3:26 pm
Forum: Personal Investments
Topic: VLCAX inability to exchange with specific ID online
Replies: 5
Views: 333

VLCAX inability to exchange with specific ID online

Was looking into exchanging some specific lots of VLCAX to VFIAX recently. However during the process would only allow FIFO basis as at this time this fund doesn’t not have ability to provide specific ID.

What would others do in order to TLH when the opportunity may arise again?

Thanks
by Xrayman69
Tue Aug 13, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: Any downside to changing cost basis method?
Replies: 13
Views: 1064

Re: Any downside to changing cost basis method?

I have a Vanguard account, with two funds set to average cost basis, but I realize now that specID would be better (more flexibility for TLH, etc). Any downsides, major headaches this could cause, other than the new method not applying to past purchases? If you are re-investing dividends, quit due ...
by Xrayman69
Tue Aug 13, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio bullish on China (China market cap to overtake US in 2030?)
Replies: 58
Views: 5603

Re: Ray Dalio bullish on China (China market cap to overtake US in 2030?)

Maybe or maybe not that China will have a large performance difference??? I don’t know and even those who are “smart” do know the time frame in which their speculation will peak. I’ll stick with a diverse predominantly S&P 500 index with low costs, broad international index (which includes China) an...
by Xrayman69
Mon Aug 05, 2019 10:21 am
Forum: Personal Investments
Topic: TLH now or wait for further pullback
Replies: 3
Views: 474

TLH now or wait for further pullback

With the passive devaluation of the Chinese yuan today permitted by the Chinese government stocks decline by about 5% since last weeks. “Trade war” seems to be affecting the market. We buy stocks every Friday through personal taxable accounts and monthly through retirement accounts. Would you TLH to...
by Xrayman69
Sun Aug 04, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Annual review was disappointing, what should I do next?
Replies: 45
Views: 5576

Re: Annual review was disappointing, what should I do next?

Don’t mistake doing your job as doing a great job. Great job is above and beyond the project with tangible downstream impact. Don’t underestimate culture as a means of how team members are viewed. Most effective leaders understand that each individual has different strengths and most effective means...
by Xrayman69
Sun Aug 04, 2019 10:08 am
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11402

Re: Pick one: $135,000 rental property or $110,000 in REITs

Had a similar situation in 2014 in Seattle. Took all profits from home sale and out in 3 fund equivalent taxable account (already maxed out on all pretax routes). I see the “value” of the sold property increased by about 60% from our sales price but the appreciation of the equity has more than doubl...
by Xrayman69
Mon Jul 22, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 5978

Re: Tree guy is no-show; payment was "deposit"

02nz wrote:
Sun Jul 21, 2019 9:47 pm
If this guy has an Angie's List/Yelp etc. entry, your friend should let him know what kind of review he plans to leave. That may get some action.
+1.
by Xrayman69
Mon Jul 15, 2019 5:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”
Replies: 21
Views: 2814

Re: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”

This is the OP. I am a long term investor with no interest in trading or trying to get a small arbitrage % as it would require much more effort and investment of time. I am a buy and reinvest the dividends investor with a 10-20 year outlook. (10-20 years as I am not looking to retire or interested i...
by Xrayman69
Sat Jul 13, 2019 6:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”
Replies: 21
Views: 2814

Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”

What’s the benefit other than “lower costs” associated with “Your mutual funds are eligible for tax-free conversion to ETFs” vs the downside. It says intra- day trading as a benefit, why would this be a benefit if a “trade” is not executed in real time immediately at a price the “trader” can see imm...
by Xrayman69
Tue Jul 09, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5338

Re: Buy a new car now or wait: what's the math say?

Why argue about cost of ownership when some companies have already quantified this for you? https://www.edmunds.com/bmw/3-series/2018/cost-to-own/#style=401729243 https://www.edmunds.com/acura/mdx/2019/cost-to-own/ https://www.edmunds.com/lexus/gs-350/2019/cost-to-own/ https://www.edmunds.com/lexus...
by Xrayman69
Tue Jul 09, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 6604

Re: my best new travel tip only $2 per day more

Seattle is home airport. NEVER will use offsight parking anymore. It takes essentially 45minutes to 1 hour to be picked up and driven to car lot after waiting for luggage. Frustrating to see bus after bus after bus drive by filled. Last time ended up taking cab to the lot. It’s too congested. Will u...
by Xrayman69
Tue Jul 09, 2019 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5338

Re: Buy a new car now or wait: what's the math say?

Well, my wife is driving a perfectly good 2011 Acura MDX that has 130,000 miles on it. We have had enough set aside to buy a new one for the last 3 years. It has been sitting in FZDXX earning around 2.2%. She is getting the itch for a new car, and I am having trouble figuring out why she should wai...
by Xrayman69
Tue Jul 09, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2919

Re: New budget SUV vs used luxury SUV

I’d certainly consider Acura a luxury (low-tier). Lexus IS a mid tier. Audi, BMW etc top tier. Marketing is king. Tiers of luxury. Typically the mid end of various classes end up being the most expensive as people don’t want to choose the “lowest” tier and thus the brand can increase the margin for...
by Xrayman69
Fri Jul 05, 2019 9:28 pm
Forum: Personal Investments
Topic: Best way to plan for $620K long term capital gains?
Replies: 18
Views: 2563

Re: Best way to plan for $620K long term capital gains?

Staged selling to get you down to a comfortable percentage. You don’t have to sell it all to go to 0%. You need or want to sell enough to make it an appropriate percentage of your overall diverse portfolio. Paying capital gains is a good problem to have. I would take paying capital gains 100% of the...