Search found 137 matches

by mt
Tue Oct 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2544

Re: How do you outfit your feet?

1 regular shoes (Merrell Moab 2) 2 dress shoes 3 trail running shoes 3 hunting boots 4 old hunting boots (still wear if dry out) 5 rubber knee high boots 6 golf shoes 7 mountain biking shoes 8 hiking boots 9 wading boots (no felt) 10 wading boots with cleats 11 snowboard boots 12 skate ski boots 13 ...
by mt
Mon Oct 02, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4376

Re: So... What bond fund or bond-like instrument do you use?

Mostly 10 year TIPS in tax protected accounts and a much smaller amount of Vanguard Int. Term Tax Exempt Fund in taxable account.
by mt
Sat Sep 30, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7266

Re: 3 stages of Financial Independence

I really like this way of looking at assets needed to retire as opposed to just one number. I am in phase 1, and could be in phase 2 but can't tell because I am still assisting two kids in college/med school. In a year and half I'll have a better idea of what expenses will really be once they are on...
by mt
Tue Sep 19, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1381

Re: Do you pay for credit monitoring?

No. I do run a free credit report every 4 months by alternating reports from the three main reporting companies.
by mt
Fri Sep 01, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Satellite Phone with data plan
Replies: 4
Views: 406

Re: Satellite Phone with data plan

This probably does not answer your question, but I have rented sat phones many times. I have rented them from an outfitter and have also rented from a firm that shipped it to me and then I shipped it back. The former was easier. I have found that coverage is better with Iridium than it is with Globa...
by mt
Tue Aug 29, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8538

Re: Relative angry I will not co-sign

edge wrote:
Tue Aug 29, 2017 9:59 am
Don't co-sign loans with irresponsible people.
I would co-sign with anyone, no even my kids.
by mt
Tue Aug 29, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3406

Re: Beginner Mountain Bike

Specialized makes good bikes, and the bike you reference would be a good starter bike.

My son has a Giant ATX 27.5 that is surprisingly well built. We got it new last year for around $400.
by mt
Sun Aug 27, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3098

Re: Should I abandon airline credit cards for cash back?

I am getting ready to drop my Alaska Airlines credit card. It used to be easy to find round trips for 25K miles, now it takes 60K and often the flight options are poor. It was a good card for the last 10 years, but apparently the deal has changed and it has become much less useful to me. I'll be swi...
by mt
Thu Aug 03, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 3238

Re: Any BH mountain bikers?

Regarding the short but steep hill:

Body position relative to the seat is huge. For me that means sliding way forward so I am just on the tip of the seat on the steepest parts.

I also agree with going tubeless. Lower pressure will give better traction. Also agree with pumping the handlebars.
by mt
Sun Jul 16, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1216

Re: Recommendation for things to do in Seattle area

I second the Klondike Museum and would add the Museum of Flight.

Two good hikes at Mt Rainier are Pinnacle Peak and van Trump park. Restaurant at Paradise in is nice, and you could take a post dinner walk in the meadows with fewer people.
by mt
Mon Jul 10, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2815

Re: Having someone else pay our mortgage

Follow Up: We went and looked at the house and it was perfect. initially we were leaning towards buying it and renting it out for a few years but after thinking it over decided not to so for the following reasons: 1 We are actively trying to simplify our lives and buying an expensive second home and...
by mt
Wed Jun 28, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Which Dealer Cost/Invoice does one use?
Replies: 20
Views: 1913

Re: Which Dealer Cost/Invoice does one use?

I use Edmunds. I have found it accurately matches the invoice price the dealer provides. And I do think invoice is relevant. That is the number many of us use to bargain for the price paid. For instance, some cars you can obtain for invoice and others you might pay $200 over invoice. It all depends ...
by mt
Thu Jun 15, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2815

Re: Having someone else pay our mortgage

Proximity to your rental is important. If you have maintenance issues or tenant issues are you close enough to reasonably drive there? If not, will you hire a property manager? Is the rental market strong enough where the rents will pay for the mortgage? Most people far underestimate the cost of re...
by mt
Thu Jun 15, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2815

Re: Having someone else pay our mortgage

Coincidently, at work today I learned one of my co-workers is doing the same thing as we are considering. He and his wife recently bought a house in a high priced resort area. He is 15 years out from retirement, and they are currently renting it out and just about breaking even once taxes are consid...
by mt
Thu Jun 15, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2815

Re: Having someone else pay our mortgage

Thank you for the responses thus far. It is good to hear that we are not the only ones thinking of doing this.
by mt
Wed Jun 14, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2815

Having someone else pay our mortgage

My wife and I are thinking about buying a home in another town that we would use as our primary residence during retirement. My plan is to retire in 8 years, and the original thinking was to start looking for a home about two years out in a very specific and desirable neighborhood in this new town. ...
by mt
Fri Jun 09, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 5563

Re: (Very) Early Retirement vs Parenthood

One of my mentors at work once told me that one should endeavor not to die alone. That is by no means the main reason to have kids, but it is a good one.
by mt
Sat Jun 03, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 13135

Re: What to do with all these passwords ?

post deleted
by mt
Fri May 26, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: How many investment companies to have money in?
Replies: 41
Views: 4032

Re: How many investment companies to have money in?

I am puzzled how otherwise risk-conscious investors have no concerns putting all their eggs in one basket when it comes to investment firms. People should consider what might happen in a catastrophic hacking incident or what a hostile foreign intelligence service might do to disrupt our economy dur...
by mt
Thu May 04, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: do we have too much disability insurance?
Replies: 11
Views: 1160

Re: do we have too much disability insurance?

A physician colleague of mine who was dying of breast cancer told me she was really glad she had adequate disability coverage. So add up what you currently would receive if disabled and ask yourself is that is adequate.
by mt
Wed Apr 19, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 8318

Re: Did anything surprise you in your 2016 taxes?

I am surprise at how my exemptions are phasing out.
2012 $XXX
2013 $XXX
2014 $XXX
2015 $XXX
2016 $XXX
by mt
Thu Apr 13, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 30
Views: 3944

Re: 529/son got accepted to medical school whahoooo!

Congrats.

I hope he appreciates what you have done for him. The last several docs we have hired into my group have had $300-350K in debt.
by mt
Sat Apr 08, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 4979

Re: Any reason NOT to do a backdoor Roth IRA?

TigerNest wrote:To be honest, I know it's very popular and common, but I don't do it because I feel like it violates the spirit of the law and I'm not convinced it's quite legal.


This is the exact wording describing my feelings on the issue.
by mt
Fri Mar 31, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 5496

Re: Spring Break Trip to Disney World

Universal Express Pass is definately worth it. My son wanted to know why we did not get one at the Disney Parks because we spent A LOT more time waiting in line at the Disney parks(Disney does not have a similar product). Seaworld's Aquatica Water Park was our favorite and the least expensive as wel...
by mt
Mon Mar 13, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Utah, besides the national parks?
Replies: 21
Views: 2225

Re: Utah, besides the national parks?

Plan on extra time in Zion. Zion Canyon is one of the prettiest places on the planet. Angel's Landing and Observation Point are two great hikes. Do Angel's Landing early (like first light) to avoid crowds. Biking up Zion Canyon in the evening when things are winding down is sublime. Oscar's Café in ...
by mt
Sat Jan 14, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Upcoming TIPS auction
Replies: 4
Views: 571

Re: Upcoming TIPS auction

I will be adding another rung to my TIPS ladder. Already placed the buy order at Schwab.
by mt
Thu Jan 12, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25363

Re: Vanguard's new security key option

When you register for this service, your key will become your primary method of identifying yourself (along with your user name and password) when you log on to vanguard.com from a computer. It will replace security codes, a service that sends you a one-time code to enter when you log on. You'll ne...
by mt
Thu Jan 12, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an IRS pin code for filing?
Replies: 15
Views: 1799

Re: Did you get an IRS pin code for filing?

Is there a way to receive a PIN if one has NOT been the victim of fraud or identity theft?
by mt
Fri Jan 06, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: How much inflation do Bogleheads predict?
Replies: 13
Views: 1500

Re: How much inflation do Bogleheads predict?

No one can predict what future inflation will be.
by mt
Thu Jan 05, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32341

Re: Whats your number to walk away?

post deleted
by mt
Wed Jan 04, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2956

Re: How to dress for winter vacation in Alberta

Here is what I have worn for cross country skiing at -20 in MT and AK: Head- lightweight balaclava with hat over it. Cat Crap or other defogger on glasses. Extra hat if first one gets wet from sweat Hands- lightweight liner gloves with lobster mitts or mittens Torso- tee shirt/mid weight base layer/...
by mt
Sat Dec 03, 2016 10:40 pm
Forum: Personal Consumer Issues
Topic: What to do in Seattle (weekend trip)
Replies: 21
Views: 1856

Re: What to do in Seattle (weekend trip)

I agree with the Klondike Museum.

Anthony's has awesome seafood.
by mt
Sat Oct 29, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Selling practice for a lump sum
Replies: 51
Views: 6590

Re: Selling practice for a lump sum

I am a physician in a private practice group as well.

I don't think you can put a price on being your own boss. I personally would not sell.
by mt
Tue Aug 30, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Which physician job offer would you go for and why?
Replies: 39
Views: 5662

Re: Which physician job offer would you go for and why?

1 in 2 or 1 in 3 is a lot of call and would grow old very quickly. I do not see that amount of call as being sustainable from a mental health stand point.
by mt
Mon Jul 11, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 2544

Re: Should I buy 10 year TIPS at auction in July?

I am building a 10 year TIPS ladder. I don't see the current rate situation as being all that different than the last several years so will continue with purchasing new bonds at auction.
by mt
Mon Jul 11, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2647

Re: August vacation to Glacier NP

Iceberg Lake is around 9 miles with close to 1200 feet of elevation gain. My daughter did it at age six. While licking a gourmet lollipop most of the way.
by mt
Mon Jul 11, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2647

Re: August vacation to Glacier NP

5 year old should enjoy: Hidden Lake Overlook Trail (good chance of seeing goats, marmots, wildflowers) Avalanche Lake trail boat rides at Two Medicine, Many Glacier, Waterton Lake, and Lake MacDonald (in that order for scenery ) pebble beaches on Lake MacDonald surrey ride in Waterton townsite boat...
by mt
Fri Jun 17, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: cost of raising kids. BHs experience through college
Replies: 76
Views: 5657

Re: cost of raising kids. BHs experience through college

I found that the spending did accelerate as they got older. Traveling sports was a big expense. College was big as well, but that was anticipated and I think we prepared well for that. What caught me off guard was plane tickets going back and forth to out of state colleges.
by mt
Mon May 23, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 5554

Re: Pride in no inheritance to kids?

My daughter is in med school and does not go to class. All the lectures are taped so she watches them on a laptop at 2X speed while simultaneously making flashcards on an ipad. One hour lecture only takes 30 min. She states this system is more efficient and she has more time for memorizing the mater...
by mt
Sun Apr 17, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 4611

Re: Medical School preparation Pointers for a Sophomore Student

Stay away from Caribbean schools. I cannot remember much about the MCAT in the late 1980s, but my daughter crushed it recently by taking a lot of practice exams and studying up on any weak areas identified. I have had the conversation about major of choice with many MDs, and most would agree that an...
by mt
Mon Mar 28, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 13699

Re: Financially, how have you done/doing vs. your parents?

As a physician, I am doing somewhat better than my engineer father financially when you compare us at various ages. That said, my parents have done very well and have a very comfortable retirement. They do not know what a Boglehead is, but they have lived below their means and been in indexed funds ...
by mt
Mon Mar 21, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Trip to Yellowstone / Grand Teton area.
Replies: 27
Views: 2809

Re: Trip to Yellowstone / Grand Teton area.

The three most popular campgrounds for tents would be (in this order) Jenny Lake in GTNP, Slough Creek in YNP, and Pebble Creek in YNP.

All three can fill by 8 AM in July and August.
by mt
Fri Feb 12, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 9485

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

We are 50 and have been 50/50 since our twenties. No regrets at all about being conservative. With rebalancing we have done very well.
by mt
Tue Feb 09, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 71
Views: 17428

Re: Schwab vs Vanguard

I have both a Vanguard and Schwab account. Vanguard does have better fund choices but they also told my group they would not handle our pension plan any longer. Still irked about that.
by mt
Mon Jan 25, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 19215

Re: Do you pay for exercise?

I like exercising outside. But carbon frame full suspension mountain bikes and top of the line skate skis are not free. They are fun though.
by mt
Mon Jan 25, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15604

Re: What is your favorite Financial Quote or Metaphor??

"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery". Wilkins Micawber (Charles Dickens)
by mt
Sun Jan 10, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 4277

Re: Alaska in July, first time RV

Things to do in Anchorage:

Anchorage Museum
Flattop hike
eat at Glacier Brewhouse (my favorite restaurant anywhere-need reservations)
by mt
Sun Jan 03, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 8570

Re: How did your retirement Portfolio do in 2015?

Investments up around 1.9%
Total assets up 6.6% due to continued additions to the pot.
50%stock/ 5%REIT/ 45% Fixed income (TIPS and CDs)