Search found 50 matches

by nydoc
Thu Dec 05, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 148
Views: 30120

Re: Does a home mortgage use Simple or Compund Interest?

My only wish is to have a bucket either totally empty or spilling over before I kick the bucket.
by nydoc
Tue Dec 03, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: 25 years old roof
Replies: 14
Views: 1194

Re: 25 years old roof

There will be a contingency clause for major roof or structural problems. House price has already been reduced by 10% and is suitably priced. I am still trying to negotiate the cost of the roof- if they don’t agree to reduce any further, will still go ahead with the offer. I just want to make sure t...
by nydoc
Tue Dec 03, 2019 9:25 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 89
Views: 6375

Re: Investment Ideas

On behalf of this bogleheads community, I grant final approval to your plan. Now you and your friend should not have any remaining concerns and should feel very smart with the move. Therefore, the discussion is deemed closed from now on.
by nydoc
Tue Dec 03, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: 25 years old roof
Replies: 14
Views: 1194

25 years old roof

Hi, We are in process of purchasing a house in NY state. One particular house fits our criteria but roof is 25 years old. It has architectural shingles. Owner does not report any roof damage or leak. Roof inspection is planned as part of home inspection. Anything particular concerns with the age of ...
by nydoc
Sat Nov 30, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on homeowner insurance on first home
Replies: 18
Views: 1378

Re: Advice on homeowner insurance on first home

I am also in the same boat and in the same location- Long Island. I have everything with GEICO but their home insurance policy is through some other company .
by nydoc
Thu Nov 28, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Adaptive driving/self driving car
Replies: 10
Views: 753

Re: Adaptive driving/self driving car

Thanks for replies.
Any vehicle that requires minimal movement of my legs will be the best. I drive safe and never had a traffic ticket. So you can imagine my trepidation with adaptive cruise mode.
by nydoc
Wed Nov 27, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Adaptive driving/self driving car
Replies: 10
Views: 753

Adaptive driving/self driving car

Hi,
I will be driving soon in slow congested highway traffic for about 90 minutes daily. My feet gets tired quickly with repetitive braking and accelerating. What are the good options for below 50K cars/suvs with adaptive cruise control or self driving modes?
Thanks.
by nydoc
Sat Nov 23, 2019 11:53 am
Forum: Personal Investments
Topic: Real Estate discussion
Replies: 31
Views: 1183

Re: Real Estate discussion

Passive investing is something we all can do with virtually no effort. If you put an equal amount of effort into our real estate business, you'll almost surely fail.:

Similarly, if you put equal amount of required efforts needed for real estate in passive investing- you will surely fail.
by nydoc
Sat Nov 23, 2019 10:53 am
Forum: Personal Investments
Topic: Real Estate discussion
Replies: 31
Views: 1183

Re: Real Estate discussion

Real estate is your business. Three fund portfolio is an investment. These two things are separate. Being a physician is my business. I made 300K in 2016 and 600K in 2019. That rate of return is much much higher than three fund portfolio. Going by your logic I should just focus on my business and do...
by nydoc
Thu Nov 21, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What does "get back on my feet" mean?
Replies: 84
Views: 7417

Re: What does "get back on my feet" mean?

Who takes care of older people who have no where to go and are alone?
by nydoc
Tue Nov 19, 2019 11:20 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 64
Views: 8051

Re: Why ally bank

Nothing special about Ally. All online banks are the same. Marcus is a little better than Ally. Who ever gives you bonus use them. If you need to get real high yield, put it in money market account at Vanguard.
by nydoc
Sun Nov 17, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 61
Views: 7709

Re: Spectrum Internet has a good scam going

Prorated fee applicable in Teax and Ohio. Not applicable in California, New York and Illinois. I really don’t see why it is like that. California has laws that protect its residents in many situations like this. Gift cards do not expire in California. I can't think of any other examples at the mome...
by nydoc
Sun Nov 17, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 1879

Re: New Tenant.... possibly

I am on H1b visa. Income is 600k. Credit is 790. A person on H1b visa will most likely have a good stable income, education, drug free, no bad visitors, will pay rent exactly on time, least complaining and overall trouble free tenant. They are vetted by USCIS and DHS. They don’t want to get into any...
by nydoc
Sun Nov 10, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10714

Re: Seller's agent not letting us use a buyer's agent

What if I go see a property on behalf of my brother and later on I decide to buy that property with my own buyer’s agent for myself, do these rules and conventions still apply? Just sayin
by nydoc
Wed Nov 06, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 61
Views: 7709

Re: Spectrum Internet has a good scam going

Prorated fee applicable in Teax and Ohio. Not applicable in California, New York and Illinois. I really don’t see why it is like that.
by nydoc
Fri Nov 01, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2698

Re: Marcus bonus: Timing of withdrawing funds

If you can move the money to 2.5% you’re giving up an astounding $12 in interest that turns into $8 or so into your pocket after taxes... And then you can scour through internet for tax software deals and save two more dollars. Now you have $10. See you started with $50k and now you have madr TEN DO...
by nydoc
Thu Oct 31, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2698

Re: Marcus bonus: Timing of withdrawing funds

Pull it from linked bank account. I put order at Vanguard to pull it all from Marcus.
by nydoc
Thu Oct 31, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12408
Views: 2142104

Re: U.S. stocks in free fall

Scrambling for money to invest, can’t find any.
by nydoc
Thu Oct 31, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2698

Re: Marcus bonus: Timing of withdrawing funds

Completed requirements- 10/28/19
Bonus applied- 10/30/19
All funds withdrawn- 10/31/19 😃
by nydoc
Thu Oct 31, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Personal Financial Statement Template? Meeting with Advisor...
Replies: 29
Views: 2014

Re: Personal Financial Statement Template? Meeting with Advisor...

Now that you already enjoyed free drinks, nice hotel stay and free guided tours, it is the time to sneak out of this time share presentation surreptitiously.
by nydoc
Thu Oct 31, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 287
Views: 20585

Re: HRBLOCK Pre-Order 2019 Software Offer

If this is the only form of market timing bogleheads engage into, I am all for it.
by nydoc
Sat Oct 26, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6701

Re: How much does a "good school district" matter?

Move to a good school district and also be very involved in their education at home. Why to take any chances?
by nydoc
Thu Oct 24, 2019 9:41 pm
Forum: Investing - Theory, News & General
Topic: "Invest In The Largest Mutual Fund In The World" World:
Replies: 17
Views: 2704

Re: "Invest In The Largest Mutual Fund In The World" World:

People born and raised in US carry a rosy view of world outside the US which is natural. Outside world is not as ethical and rule based as US and this is coming from someone who migrated to US from somewhere else. Even criminals stop at red light here because it’s ingrained in everyone’s mind. Buyin...
by nydoc
Fri Oct 18, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1505

Re: How do I store a boat this winter?

As soon as you buy it, sell it to someone with a garage. Boat will be stored for the winter. You thought you covered everything with your opening paragraph...😃
by nydoc
Tue Oct 15, 2019 7:27 am
Forum: Personal Investments
Topic: I-bonds with kids
Replies: 18
Views: 1643

Re: I-bonds with kids

Will this purchase be counted against annual gift limit to your children?
by nydoc
Mon Oct 14, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6294

Re: Frustrated with dentist fees

My office staff very clearly tells patients in polite way that it’s theirs responsibility to know the minute details of their insurance plans. They bought the insurance not me. Read the fine print before you sign something. Apart from that I wish I was a dentist and not a surgeon and would be paid a...
by nydoc
Mon Oct 14, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5625

Re: Doctors charging for things outside of insurance, is this Kosher?

Usually one out of 15. It’s not that difficult to spot them when I see them in my office before surgery.
by nydoc
Mon Oct 14, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5625

Re: Doctors charging for things outside of insurance, is this Kosher?

Any patient who shows any hint of not showing up on the day of surgery goes to the end of my surgery schedule, usually beyond normal working hours. This way I can keep my business running as most of these patients will cancel for one reason or another and am not wasting my time.
by nydoc
Sat Oct 05, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6762

Re: If you use Vanguard (Brokerage), why do you stay?

All my investments are Vanguard ETFs. They are free. I don’t trade any stocks. So I stay with Vanguard. Now if someone offers me at least 1% bonus to transfer to their brokerage I will do it but will revert back to Vanguard as soon as I receive the bonus.
by nydoc
Fri Oct 04, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: Variable annuities
Replies: 11
Views: 1294

Re: Variable annuities

Are you selling or buying?-

I hope OP got the idea.
by nydoc
Sat Sep 28, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7409

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

Everything should be planned around net income after taxes. All the expenses come out of net income not from gross.
by nydoc
Sun Sep 15, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Would you spend an extra day a week for 1 year working for a luxury
Replies: 27
Views: 2543

Re: Would you spend an extra day a week for 1 year working for a luxury

I would rather work one less day and let go something luxurious in my life for that.
by nydoc
Sun Sep 15, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9487

Re: Do You Tip At Counter Service Restaurants?

At this point of transaction I am still waiting for the service I am paying for. Therefore I hit no tip and move on.
by nydoc
Thu Sep 12, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Hospital/Doctor Release Form
Replies: 27
Views: 2071

Re: Hospital/Doctor Release Form

Yes for $50 office visit each I am going to draft a new contract each time . Sure way to close the business in a week time.
by nydoc
Wed Sep 11, 2019 9:49 pm
Forum: Personal Investments
Topic: Teenager wants to save...
Replies: 29
Views: 2201

Re: Teenager wants to save...

One child. They is being used as a gender neutral term.
by nydoc
Wed Sep 11, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4921

Re: Calling all iPhone SE Bogleheads

Happy and satisfied user of iPhone SE for the last 3 years.
by nydoc
Sat Sep 07, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3495

Re: Laser or inkjet

I bought a HP inkjet with instant ink about two years ago for $30. You can print 15 pages a month for free and after that it’s $1 for 10 pages. Unused pages rollover too. They send cartridges for free. So far I have paid nothing.
by nydoc
Mon Sep 02, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Agree. Trying to stay close to NYC in the Queens bordering towns in LI with good schools. So excluding New Hyde Park and Floral Park, all are in consideration. At one time looked into Scarsdale in Westchester too but commute is horrible.
by nydoc
Mon Sep 02, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Thanks for your reply. Rosyln is good too but I am not so sure about the school district there. We are looking for a good sized house which is tough to find in Great Neck for a reasonable price.
by nydoc
Sun Sep 01, 2019 10:11 pm
Forum: Personal Investments
Topic: 37th Parallel Properties
Replies: 12
Views: 4008

Re: 37th Parallel Properties

Out of all the places, this poster decided to peddle their sales pitch on bogleheads forum. Times must be desperate.
by nydoc
Sun Sep 01, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

We visited all the neighborhoods and had a detailed look at the schools districts. Garden city is no longer under consideration as our goals are a little different. We are actively searching for a house in Herricks school district- Searingtown, Manhasset Hills, North Hyde park and Albertson.
by nydoc
Thu Aug 22, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17859

Re: White collars- How much is your work downtime?

About 25% during the regular work. 90% when I am on paid overnight call.
by nydoc
Sun Aug 18, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2498

Re: How to save on international business class fares for family

Bring along your toddler with you. If someone thinks it’s not appropriate for them they can fly in their own private jet.
We are also looking at the business tickets for India for October-November. Qatar usually has the best fares.
by nydoc
Sat Aug 03, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

That was my fear that Garden City schools put too much emphasis on athletics in stead of science in comparison to other two school districts. Now I have to look at it all over again.
by nydoc
Sat Aug 03, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Thanks for all good suggestions. We have a toddler so some might say school should not be the major concern. But changing location after a few years is a hassle and expensive. Also, our parents visit and stay with us quite a bit so definitely need a bigger place then what’s available in the city.
by nydoc
Sat Aug 03, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Thanks bsteiner. That was very helpful. Lack or presence of diversity doesn’t affect us much. We left our countries not to recreate or live within a narrow group. However, can’t say that everyone thinks that way and we just don’t want our kids to be negatively impacted in significant ways. Minor iss...
by nydoc
Sat Aug 03, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Overall Garden City seems the best for our needs. It’s just that on many forums people show concern about homogeneous single racioethnic population there. These things rarely concerns us but again we don’t have any experience in this area.
by nydoc
Sat Aug 03, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Are Queens schools better than LI schools? Combined property and nyc income taxes are still higher than LI property taxes for me.
by nydoc
Sat Aug 03, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Re: Long Island NY housing

Thanks for all your replies. I am an MD and work in Brooklyn Queens area. These three towns have the best school district in westernmost LI. LIRR from great neck does not go to the place where I work. Garden City LIRR is very close to my work place in Brooklyn. NYC income tax is a big reason to avoi...
by nydoc
Fri Aug 02, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4713

Long Island NY housing

Hi everyone, Would like your opinion about housing in Long Island, NY. Anyone has insights about these locations- Garden City, Manhasset and Great Neck? Would love to hear about schools, taxes, commute from NYC, crime and diversity. We have searched many Internet forums but trust the opinion of bogl...