Search found 86 matches

by zlandar
Sun Sep 22, 2019 8:54 am
Forum: Personal Investments
Topic: Recommendations Needed for Flat Rate Fee only Fiduciary Advisor
Replies: 8
Views: 604

Re: Recommendations Needed for Flat Rate Fee only Fiduciary Advisor

You could try the financial planners associated with Garrett Planning Network. They usually charge a flat-rate fee for one-time and periodic consultations. It is up to you to implement the advice provided.

It's a lot tougher to find a planner to actively manage your investments without an AUM.
by zlandar
Sat Sep 21, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 14
Views: 893

Re: Need new Refrigerator

My side-by-side Whirlpool fridge has been working without issue for 10 years. Bought a LG french door fridge for 4 years as a 2nd fridge. Hated it. If you closed one door the other door would slightly open. Replaced the door seals and it did not help. Not buying another LG fridge. Purchased a cheape...
by zlandar
Wed Sep 18, 2019 1:03 pm
Forum: Personal Investments
Topic: Primerica
Replies: 20
Views: 1019

Re: Primerica

Thegame14 wrote:
Wed Sep 18, 2019 11:16 am
He told my dad he can invest him in indexing with 90% of the upside with almost zero downside.
:shock:
by zlandar
Sat Sep 14, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: HVAC isues - fix R22 system or replace?
Replies: 14
Views: 1007

Re: HVAC isues - fix R22 system or replace?

Agree it's not worth fixing. The quotes seem expensive. I recently replaced a leaking heat pump with a 2 ton Trane for $4500. I live in ATL and it was done by a well-known reputable HVAC contractor in the area. The specs were: Trane XR14 R410a heat pump, Trane TEM4 2 ton air handler and 5 kw heat st...
by zlandar
Sun Sep 08, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6065

Re: Did humanity ever make good Gas cans

I recently bought a new 2 gallon gasoline tank and the nozzle is godawful. What genius decided the best way to depress the switch to pour gasoline was to use the palm of your hand?
by zlandar
Sat Sep 07, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 396
Views: 60218

Re: Good Modern Science Fiction

Red Rising- Pierce Brown. GoT in space. Great read.

We are Legion- Dennis Taylor. Very interesting premise that hooked me on the first book.
by zlandar
Sat Sep 07, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile Questions
Replies: 13
Views: 1217

Re: Xfinity Mobile Questions

As mentioned above Xfinity uses VZN's network. If you are experiencing low speeds it may be because you live in a congested area with too many VZN customers. Moving to VZN prepaid or using a 3rd party MNVO like Xfinity will make your speeds worse because you will be deprioritized. I used Xfinity mob...
by zlandar
Fri Sep 06, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: 2019 Hyundai Elantra SE
Replies: 15
Views: 888

Re: 2019 Hyundai Elantra SE

Truecar used to be good 7-8 years ago. Now they are just a lead generator for car dealers and the price quotes you receive using the service are easily beaten by DIY via emailing. Sounds like you have done your due diligence and will get a good price on the car you want. The dealer will usually matc...
by zlandar
Thu Sep 05, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1312

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

To quote Clark Howard "use it and lose it". Claims on your home insurance policy stay on your CLUE report 5-7 years. Making a dinky claim to save a couple bucks can come back to bite you if the unforeseen happens and you have to make another claim in a short time period. Your insurance company can d...
by zlandar
Thu Sep 05, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 37
Views: 2914

Re: Home warranty - is it worth the money?

How does a home warranty company stay in business if anyone can sign up for the warranty, get all their end-of-life appliances/HVAC/water heater replaced, and cancel?

Pretty obvious the service/replacement you will receive will be either mediocre or non-existent.
by zlandar
Sat Aug 31, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2093

Re: Negotiating on this Specific Truck

I ask for driveout or out-the-door pricing quotes from multiple dealers. Most car makers will let you build your vehicle on their websites and will ask if you want to be contacted by nearby local dealers. I pick multiple dealers within 50 miles and get quotes by email. Invoice pricing is made-up pri...
by zlandar
Sun Aug 25, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Physician first job offer negotiation advice
Replies: 8
Views: 1430

Re: Physician first job offer negotiation advice

Is this an employed or partnership track position? Is the employer a physician-owned group, a small hospital, or a mega-hospital? What are the expected hours and workload? Is there call and if so how long and how frequent? Is her specialty in high demand in the local area? The city 2 hours down the ...
by zlandar
Sat Aug 10, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: SUV: Acura RDX or Mazda CX-5
Replies: 16
Views: 1427

Re: SUV: Acura RDX or Mazda CX-5

I own and drive a 2016 RDX for the past 3 years. You don't have to use premium unleaded. It's recommended but not required. It runs on regular unleaded just fine IMO. I have the AWD and it's more of a "peace-of-mind" feature unless you live in an area that frequently snows. It doesn't replace the ne...
by zlandar
Thu Aug 08, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Soil erosion, rain runoff— major concern or no?
Replies: 17
Views: 1287

Re: Soil erosion, rain runoff— major concern or no?

Visit the home when it rains to get an idea. My neighbor across the street has a river that runs through his backyard because of the runoff. When it’s not raining you can see the moss buildup where the runoff cuts through the yard. I have two catch basins with pvc pipe that lead to a nearby drain. W...
by zlandar
Thu Aug 08, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How do you find someone credible to do a Cash Balance plan?
Replies: 8
Views: 573

Re: How do you find someone credible to do a Cash Balance plan?

I would suggest working with an actuary who can help design the plan that best meets your objectives. CBP is about tax-deferring your income not trying to get high returns. ... That's why most CBP set a low rate and invest mainly in bonds. ... Except for not taking on more risk than you want, aren'...
by zlandar
Thu Aug 08, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How do you find someone credible to do a Cash Balance plan?
Replies: 8
Views: 573

Re: How do you find someone credible to do a Cash Balance plan?

CBP is about tax-deferring your income not trying to get high returns. If your CBP is invested in volatile funds trying to earn a high return you will have years will you won't have to put much into the plan (decreasing the amount you can tax-defer) and years where you will have to be put in a lot w...
by zlandar
Fri Aug 02, 2019 10:01 am
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3255

Re: Pay off $17k student loan or max out 401k this year?

I would NEVER forego maxing out the 401k in favor of paying off a low interest student loan debt. So it takes a bit more time to pay off, so be it. 401k space once lost can never be claimed back. This...and this is coming from a guy that made the mistake of aggressively paying off my student loans ...
by zlandar
Fri Aug 02, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8176

Re: Acura RDX vs Audi Q5

I am an owner of a V-6 2016 RDX and have had this car for over a year. I bought it to replace a 2014 Suburu Forester XT Turbo which I replaced after it blew the engine at 18,000 miles. I love the RDX. Very good handling, quiet and one of the few models in that size that still had a V6 engine. In 20...
by zlandar
Fri Aug 02, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: luxury vehicle: what income/asset range
Replies: 75
Views: 4626

Re: luxury vehicle: what income/asset range

Used Lexus is a fine choice IMO. You can find 3+ year Lexus that are equal or less in price than a new Toyota equivalent. It's far more reliable and maintenance is significant less than BMW/Mercedes. Just make sure to get the car inspected by a mechanic as precertified warranties are a gimmick IMO. ...
by zlandar
Thu Aug 01, 2019 4:36 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3837

Re: Vanguard Frustrations - No Free Trades/Matching Offers

If you had 50 stocks/ETFs you had to sell at $7/trade that's a one-time cost $350. WF charges a 25 basis point advisory fee. If you had $470k with WF you were paying them $1175 a year or $98/month. If you are going to be upset over $350 you are going to be really upset once you calculate how much i...
by zlandar
Thu Aug 01, 2019 4:25 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3837

Re: Vanguard Frustrations - No Free Trades/Matching Offers

If you had 50 stocks/ETFs you had to sell at $7/trade that's a one-time cost $350. WF charges a 25 basis point advisory fee. If you have $470k with WF you were paying them $1175 a year or $98/month. If you are going to be upset over $350 you are going to be really upset once you calculate how much i...
by zlandar
Thu Aug 01, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Farmer's Insurance Policy: is there an umbrella policy with fewer exclusions?
Replies: 11
Views: 1130

Re: Farmer's Insurance Policy: is there an umbrella policy with fewer exclusions?

I just skimmed through my personal umbrella from Amica and the exclusions are similar. If you want liability coverage from business activity that’s going to be separate policy.

“Discharge of a nuclear weapon will be deemed a warlike act even if accidental;”

Someone at Amica must be really paranoid.
by zlandar
Thu Aug 01, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Car Repair Question
Replies: 29
Views: 2153

Re: Car Repair Question

Assuming the dealer diagnosed the problem correctly you need another price quote from another dealer or independent shop. Dealers like independent shops are not all the same. Some will be much more aggressive on pricing than others. Call around and ask other dealers/shops what they would charge to d...
by zlandar
Mon Jul 29, 2019 10:26 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18701

Re: Laid Off - Want to Retire / Am I OK

Health insurance is the major concern. You have 14 years before you are eligible for Medicare.

If the individual options are not palatable consider getting a part-time job that offers health benefits.
by zlandar
Sun Jul 21, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8176

Re: Acura RDX vs Audi Q5

I drive a 2016 RDX and it's been trouble-free. With the last gen RDX certain safety features come at different trim levels. I have the advanced which comes with all the safety features found on newer Hondas/Acuras.The new 2019 RDX is a redesign with 4 cyl 2.0 L turbocharged direct injection engine v...
by zlandar
Wed Jul 17, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2213

Re: Your pick for a lawn edger

I use and like the Ryobi edger: https://www.homedepot.com/p/RYOBI-ONE-9-in-18-Volt-Lithium-Ion-Cordless-Edger-Battery-and-Charger-Not-Included-P2300A/206481859 It's a metal blade instead of string. No more replacing the string. I've used mine for almost two years and the blade is fine. They don't us...
by zlandar
Wed Jul 17, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Dash Cams [want recommendations]
Replies: 22
Views: 1824

Re: Dash Cams [want recommendations]

I have a Blackvue 750 and a Viofo A129. Both are the 2 camera versions. I had them both installed at a stereo car shop for ~$170 each. If it was only the front cam I could DIY but I didn't feel like running wire all the way to the back window. Price also included hardwiring the cameras to the car ba...
by zlandar
Sun Jul 14, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5487

Re: Anyone buy the Nissan Rogue over the Honda CRV???

How about a used 2016-18 Acura RDX? It's last gen with a 6 cyl engine that doesn't suffer from the oil dilution issues of the newer 4 cyl direct-injection RDX and CRV. The Advanced trim has similar safety features (BSM, rear cross traffic, auto cruise, lane keeping, CMBS) of the current Honda CRV. ...
by zlandar
Sun Jul 14, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5487

Re: Anyone buy the Nissan Rogue over the Honda CRV???

The Honda CRV has been beat up often on this forum. I currently have a 2013 Honda Accord with the 2.4L engine. The car is running great, but I do covet getting a car with all the driver assist safety features. The location of the Honda dealership is great since I can get there in 10 minutes even wi...
by zlandar
Sun Jul 14, 2019 11:57 am
Forum: Personal Investments
Topic: Portfolio review and financial advisor questions
Replies: 21
Views: 2235

Re: Portfolio review and financial advisor questions

I think you would benefit from an Advisory relationship. Hate to say it, Doctors don't have the best track record as investors. I think one reason is that they are very busy and sometimes turn to rather questionable advisors. Another reason is that Doctors are very bright people, in the area of inv...
by zlandar
Sun Jul 14, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5487

Re: Anyone buy the Nissan Rogue over the Honda CRV???

How about a used 2016-18 Acura RDX? It's last gen with a 6 cyl engine that doesn't suffer from the oil dilution issues of the newer 4 cyl direct-injection RDX and CRV. The Advanced trim has similar safety features (BSM, rear cross traffic, auto cruise, lane keeping, CMBS) of the current Honda CRV. I...
by zlandar
Sun Jul 14, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2229

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

I use my preexisting exterior lights on a timer. Takes 30 min or less to remove the old light switch and install the timer switch. You can use standalone switches (mine is made by Honeywell) or a z-wave light switch with a hub if you want to get fancier. The exterior light for my garage/driveway aut...
by zlandar
Sun Jul 14, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2928

Re: Should I Buy a Motorcycle?

I would not ride a motorcycle in the US. I've ridden scooters outside of the US and it's safer IMO as non-US drivers are used to scooters/motorcycles on the road. In the US there are way too many distracted drivers who might not even look up after they plow into you. A helmet isn't going to do much ...
by zlandar
Sun Jul 14, 2019 8:46 am
Forum: Personal Investments
Topic: Portfolio review and financial advisor questions
Replies: 21
Views: 2235

Re: Portfolio review and financial advisor questions

Anything over a 1% AUM is overpriced IMO. The advisor should be willing to drop it down to 1% at the minimum. I personally would DIY unless you feel like the advisor is worth it. Even 1% AUM over 20-30 years is a significant hit to your investment return over time. I had a similar experience where a...
by zlandar
Wed Jul 10, 2019 2:57 pm
Forum: Personal Investments
Topic: What do you know about LPL Financial?
Replies: 32
Views: 3518

Re: What do you know about LPL Financial?

As an above poster said LPL is just a back office. It's a platform for a financial planner/adviser to have and manage investment accounts. You can buy a huge range of ETFs and mutual funds. My company uses a financial adviser that uses LPL to manage our cash balance plan. I pay the FA a fixed dollar...
by zlandar
Wed Jul 10, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 110
Views: 11254

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

You make $720k/yr..... Unless you want to quit in the next 5 years...buy the house and the Porsche. Seriously. What the heck is the point of working that hard? That's like asking if someone making $100k should buy a $150k house and a $15k car. Yes. Buy them both. This. The hand wringing over the pr...
by zlandar
Wed Jul 10, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9107

Re: Who cuts your hair? And for how much?

Wife.

For me it's not the money but the time saved driving to/from the shop and waiting.
by zlandar
Wed Jul 10, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3085

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

dm200 wrote:
Wed Jul 10, 2019 9:14 am
For regularly driven cars, are there any additives that make any sense to use at all?
Maybe Techron. I always fill up at a gas station that uses top-tier gas.
by zlandar
Sun Jul 07, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1417

Re: Internet/cellphone service woes..

Comcast Business requires a 2 year commitment. If you break the contract before the 2 years the fees are pretty stiff: "Termination Charges: Except as otherwise provided herein, charges that may be imposed by Comcast if, prior to the end of the applicable Service Term (a) Comcast terminates Services...
by zlandar
Sun Jul 07, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 110
Views: 11254

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

You have the choice of working to maintain your lifestyle or to give you a head start on saving enough to retire on your terms. You should be saving six figures ($150-200k+) each year in deferred retirement and brokerage accounts. I would not dabble in real estate or "investment opportunities" unles...
by zlandar
Sun Jul 07, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial for future son-in-law - RESOLVED
Replies: 46
Views: 2626

Re: Prenuptial for future son-in-law

If he is the upstanding moral man you say he is then you don't need a piece of paper reminding him of his debt obligation.
by zlandar
Sun Jul 07, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 8553

Re: Would we regret buying a 2nd home?

You will unless you use the 2nd home a lot. A lot = months every year. Crunch the numbers between renting and owning (mortgage, property tax, maintenance, fees, cost of buying and selling property). Breaking even is losing money when a savings account is generated 2% and equities way more than that....
by zlandar
Sun Jul 07, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10671

Re: The Day Has Come - Hit Retirement Number - Now What?

Are your feelings of burn out from the pace of work, working a career you don't like, or both? If it's the first you could negotiate a less-demanding schedule in exchange for working less. if your firm is a partnership it could require working as an employee for less pay. You already have financial...
by zlandar
Sun Jul 07, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3085

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

Agree with the above posts recommending no-ethanol gas for lawn mowers and other small motor equipment.

I use Stabil if I need to store gas more than 2 months. I use two 2 gallon gas containers and will use Stabil for the second container.
by zlandar
Sun Jul 07, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?
Replies: 26
Views: 4003

Re: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?

Too gimmicky for my taste. I don't see the bank paying 3% once they have too many cats and dogs hitting >12.5k steps a day.
by zlandar
Sun Jul 07, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10671

Re: The Day Has Come - Hit Retirement Number - Now What?

Are your feelings of burn out from the pace of work, working a career you don't like, or both? If it's the first you could negotiate a less-demanding schedule in exchange for working less. if your firm is a partnership it could require working as an employee for less pay. You already have financial ...
by zlandar
Sun Jun 30, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Are advertised mortgage interest rates [fiction]?
Replies: 20
Views: 1851

Re: Are advertised mortgage interest rates [fiction]?

Look at the APR: that is the interest rate of the loan after fees. The advertised rate usually assumes a top credit score. With a $107k loan balance it's probably not worth refinancing the loan as the fees will likely eat up any interest savings. You want to break even on a refi in 30 months or less...
by zlandar
Sun Jun 30, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid in bay area, seeking advice negotiating salary
Replies: 30
Views: 3619

Re: Underpaid in bay area, seeking advice negotiating salary

Your current company has already made it clear what the plan is: move out of a high cost area. Even if you manage to extract a raise your company will begin looking for a lower-cost replacement. If you want to stay in the Bay area then you need to focus your job search there. It doesn't matter if a ...
by zlandar
Sun Jun 23, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1052
Views: 287715

Re: Share your net worth progression

Now I feel like a slacker since 2010. :D 2010 is when I started to use Mint which has a section that calculates your net worth. I was 3 years out of training as a physician at that time. In 2006 my net worth was negative with $160k of school loan debt. BH index investing has helped a lot of people.
by zlandar
Sun Jun 23, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability umbrella: how much coverage?
Replies: 9
Views: 1321

Re: Personal liability umbrella: how much coverage?

I would say $2 or $4 mill.

While $2 mill would not cover all your non-retirement assets it is a lot of coverage. The odds of you having to pay out a liability claim more than $2 mill is extremely low IMO.

You might want to shop your home/auto/umbrella. I pay $218 for $2 mill coverage with Amica.