Search found 429 matches

by kingsnake
Thu Feb 22, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 31
Views: 1306

Re: How to pay partners for working your call

Our accounting department just takes the money from Dr. Senior's paycheck and adds it onto Dr. Junior's, all pretax. On our pay stub is a separate column called call pay.
by kingsnake
Sat Feb 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4107

Re: Who has had a pool?

Consider joining a pool. We joined a country club 2 miles away as "social" members, which means we just can't golf but pay way less money too. We use the pool 3-5x per week June-August for the last 4 years. They clean the pool, provide the towels, have a cabana for food/drinks, etc. The kids, wife, ...
by kingsnake
Sat Feb 10, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Buying a rental house. Pay cash or mortgage?
Replies: 21
Views: 1669

Re: Buying a rental house. Pay cash or mortgage?

Why couldn't the poster buy the house and let the parents live in it, and receive a monetary "gift" once a month or bimonthly, or whatever?
by kingsnake
Sat Feb 10, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Buy equities or rebalance?
Replies: 6
Views: 431

Re: Buy equities or rebalance?

I bought equities on the big dip day last week with cash savings, even though I'm overweight on equities. Still sleeping fine. I think I'm overweight equities by 10% or so.
Presently about 20% bonds at age 43.
by kingsnake
Fri Jan 05, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: CapOne Quicksilver vs. USAA card
Replies: 14
Views: 848

Re: CapOne Quicksilver vs. USAA card

I've had the Quicksilver for a few years...I get a paper bill in the mail and then I pay them manually online through my Bill Pay tab in my online checking account.
by kingsnake
Thu Jan 04, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27183

Re: Hitting The Sell Button

I don't have any 401k bond space left with 100% BND in there...that leaves me with muni bond funds at Vanguard...but in order to be able to TLH I don't want to buy any of that for 6 months....so that means I should buy more VTI which I could TLH after the peak versus ugh, pay down my mortgage. Payin...
by kingsnake
Tue Jan 02, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 529's: Torn Between Utah and Vanguard (Nevada) Plans
Replies: 21
Views: 10416

Re: 529's: Torn Between Utah and Vanguard (Nevada) Plans

Wow, 5 years ago I posted on this thread.....I went with Vanguard Nevada plan, the Age based Aggressive Portfolio for 2 529 plans started shortly after that post. I have been pleased as its been easy to use and the accounts show up when I log into Vanguard. One less institutional account to manage. ...
by kingsnake
Sun Dec 31, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 6630

Re: Individual Stocks That Went Bust

Woolworth? Sports Authority?

Thankful for index investing and bogleheads... :beer
by kingsnake
Sun Dec 31, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Nevada 529 vs Utah 529
Replies: 7
Views: 720

Re: Nevada 529 vs Utah 529

I don't live in Nevada but put 50k in 2 529 accounts using the Vanguard Aggressive Age based plan and called it a day. Now will just let them ferment for 10 years until my kids hopefully go to college.
by kingsnake
Sat Dec 30, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9456

Re: Plow Guy Raised Rates

Is it is short enough to snow blow? or get a plow yourself. They charge like $800 per year for driveway plowing here, unlimited. One year I would have only used it like 5 times...although this year could use it 3-4x already. I just got a snow blower and do it myself. Takes me about 30 minutes to sno...
by kingsnake
Tue Dec 26, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: TLH on bond funds before end of year?
Replies: 14
Views: 884

Re: TLH on bond funds before end of year?

From the Wiki However, ETFs and the Tax-Exempt Bond Index Fund (which is the mutual fund class of an ETF) are subject to the six-month rule, because they declare dividends monthly, not daily. To see whether a fund is exempt from the six-month rule, check its prospectus for the statement, "dividends ...
by kingsnake
Mon Dec 11, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17338

Re: Save all this money, what do you splurge on?

Social membership at the country club for the pool in the summer, and junior golf for the kids

Season hockey tickets for Saturday nights at a Big 10 school, hotel it a few blocks from the rink
by kingsnake
Tue Oct 17, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5662

Re: Best way to make some dollars on a 10 day vacation?

Bike messenger or deliver food by bike...
by kingsnake
Sat Oct 07, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 18758

Re: Dividends vs. Capital Gains for Spending Needs?

The 3 fund portfolio still kicks out a lot of dividends....I'd like to have enough principle to live off dividends some day. We'll see. Why? That might require you to work longer and save more than you really need to. It might also cause you to spend down your retirement too fast. Dividend payouts ...
by kingsnake
Fri Oct 06, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 18758

Re: Dividends vs. Capital Gains for Spending Needs?

The 3 fund portfolio still kicks out a lot of dividends....I'd like to have enough principle to live off dividends some day. We'll see.
by kingsnake
Mon Sep 18, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1404

Re: Experience with Custom Home Builders

I guess I'd divide the price of the house by the square footage, this will give you price per square foot and then thats a more apples to apples comparison. Some builders just charge more, maybe overhead, more demand, etc. helps to get references or better yet walk through a house they built and see...
by kingsnake
Sat May 13, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 4656

Re: Interested in lake property

Living in Wisconsin, and I question buying a lake property as well.

Maybe buying an existing cabin would be less than a lot plus building? Or consider buying a "tear down"? :confused
by kingsnake
Sat May 06, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3927

Re: First 100 mile bike ride

Eat and drink a lot along the way...pace yourself and don't burn all your matches on the first few climbs....it's a long way and 10,000 ft of climbing is a ton.....hopefully you have gotten some long rides under your belt so far this year?
by kingsnake
Wed Apr 12, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: absolute amount or % to trigger a TLH
Replies: 12
Views: 1124

absolute amount or % to trigger a TLH

I have about a $7000 loss on intermediate term tax exempt admiral and a $2000 loss on limited term tax exempt admiral. This represents only a small percentage of the amount of money in the funds, say 1%. Would you TLH? I currently have $90,000 in carry over losses, but like $500,000 in unrealized ga...
by kingsnake
Thu Jan 12, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 153
Views: 35195

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I felt Wisconsin's plan had too high costs to make the deduction worthwhile. I have 5 and 7 year olds and each has 55k in the Nevada (Vanguard) age based aggressive 529. I stopped contributing in 2015 since I don't know how much money to put in there. Tax loss harvesting in taxable may be the better...
by kingsnake
Tue Jan 03, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 33589

Re: Whats your number to walk away?

I'd walk away right now if I had 10M.

This year I should pass 5M. With a mortgage, 2 young kids, and being in my early 40s, I'll keep chipping away but this year plan to work less.
by kingsnake
Sat Dec 10, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 18135

Re: HSA - is keeping 40 years of medical records practical?

We have not had many large medical bills overall. I am paying as I go with an HSA debit card and contributing the max allowed to the HSA each year. Our medical bills are usually less than 1-2K annually. I initially kept receipts for a few years but that was a total PITA and not worth the hassle for ...
by kingsnake
Fri Dec 02, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: "High risk colonoscopy", cost shift. Any recourse?
Replies: 19
Views: 3436

Re: "High risk colonoscopy", cost shift. Any recourse?

American College of Gastroenterology (ACG) guidelines on surveillance colonoscopy recall recommendations...you can google this yourself Average Risk Baseline colonoscopy: most advanced finding(s) Recommended surveillance interval (y) Quality of evidence supporting the recommendation No polyps 10 Mod...
by kingsnake
Sat Oct 01, 2016 9:20 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 17965

Re: How Did You Become A Boglehead? What Led You Here?

I was looking up some topic on google and a link to this site came up....I was an instant believer, read Bogleheads Guide to Investing, and with some advice from a few forum members converted. :beer
by kingsnake
Wed Sep 21, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 43685

Re: The Bogleheads' "100 Things Worth Every Penny" List

Social membership to the country club, for use of the swimming pool for my kids.
by kingsnake
Fri Sep 16, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5199

Re: Toyota, Honda, Nissan or Chrysler Minivan?

2012 Honda Odyssey...ours must be EX-L since we have leather seats, everything holding up well at 65,000 miles. We didn't do the entertainment thing...You can get your kids headphones and a hand held DVD player for much less...plus they can take them into the hotel room too or wherever...and they do...
by kingsnake
Thu Aug 18, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 50463

Re: Self-made Millionaires: how did hitting 7 figures change you?

I don't think it changed me personally. On an expense level we built a house and hired a cleaning person to come once every 2 weeks. I finally hired someone to mow our lawn a couple years later. We join a country club near our house as social members which gives us use of the pool, with tennis and s...
by kingsnake
Thu Jul 07, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Bond Market Bubble
Replies: 47
Views: 6235

Re: Bond Market Bubble

When I converted to a Boglehead type portfolio I was worried about buying a bunch of Total Bond Market all at once because of the bond bubble...this was 4 or 5 years ago.....Just Do It
by kingsnake
Fri Jun 24, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 20000

Re: Actionable advice in a Brexit scenario

I had 50k in money market ready to deploy and I decided to wait for the brexit vote....Deployed into VTIAX and VTSAX today. Maybe I got a deal, maybe not, but it :o feels good though.
by kingsnake
Sun Jun 19, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 12027

Re: Dr. Charges Facilities fee of $300 - what should I do?

It is not necessarily part of doctor's "responsibility" to take call. Everything is negotiable. I personally take call for free but if I take more than my fair share I get paid for it. It's Father's Day and I'm on call all weekend and have 4 cases already today. I can envision a scenario where I do ...
by kingsnake
Sun Jun 19, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 13101

Re: Would you pay 6x face value to see Hamilton on Broadway?

Why not go for it if you can afford it and give it to her for Xmas or birthday or anniversary gift... and score some points? Me, personally, I'm not into musicals or "shows" so I would never pay 6x face for that. I did pay like 50 bucks a ticket and got 4 tickets to see Wild Kratts Live this year th...
by kingsnake
Fri May 13, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 280
Views: 52751

Re: Physician Retirement Savings

early 40s

short term goal 5MM by age 45, on pace

long term goal, ability to walk away by age 50 if I so choose
by kingsnake
Fri May 13, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads invest their 529s?
Replies: 28
Views: 2738

Re: How do Bogleheads invest their 529s?

Vanguard Aggressive Age Based for my 6yo and 4yo...put 50k total, in each over the last 4 years...thinking of not putting in anymore or quiting when oldest is 8...and then let it sit for 10 years. Agree contributing later doesn't offer much benefits. No state deduction for me either. could be better...
by kingsnake
Sun May 08, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 88
Views: 13143

Re: Got a Question for Jack Bogle? Post it Here.

80% of my savings is in a taxable Vanguard account. I want a simple 3 fund like portfolio. I it reasonable to use Vanguard Int Term Tax Exempt for my bond allocation? thanks
by kingsnake
Sat May 07, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 67251

Re: Question for the Bogleheads Millionaires

I've been working my butt off since age 18. The harder I've worked the luckier I've gotten. Finding this forum randomly has been great. Thanks folks! This year finally taking the foot off the gas and allowing some lifestyle creep...with several million earned and saved by my early 40's, why not. :beer
by kingsnake
Thu May 05, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 6287

Re: Just called Directv and saved $600 for one year

As soon as the NHL season is over (mid June), I plan to cut the cable cord and go with antenna and some type of streaming device.
by kingsnake
Sun Apr 10, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 4745

Re: Honda Odyssey

2012 we bought in November 2011, 65,000 miles. No issues. Heated seats are nice. We skipped the "infotainment" system and bought 2 of those of mini dvd players for our kids and saved money too boot. Plus those mini dvd players are good for the airport and hotels.
by kingsnake
Thu Apr 07, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Difference between Vanguard FTSE International vs Total International
Replies: 9
Views: 1211

Re: Difference between Vanguard FTSE International vs Total International

I guess they are different enough to tax loss harvest between the two and that's enough for me! :beer
by kingsnake
Tue Apr 05, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 4894

Re: Paying for kid's graduate school?

Pay for 1 year, and let him take a loan for the 2nd year seems fair to me. You can afford it, and he will still have some skin in the game.
by kingsnake
Tue Apr 05, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 9228

Re: Are you planning to leave an "estate"?

My plan is to have enough principal to live off of interest and dividends....then will give the principal to my kids. Still in the accumulation phase and on track.
by kingsnake
Fri Mar 25, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 87
Views: 18901

Re: Are Bogleheads Buying I-Bonds 2016?

I had a federal tax return this year of $4000 so I got that in paper ibonds. Received them last week already. I liquidated my treasury direct account since I thought the website was a total PITA. I'll just stick with paper ibonds for significant tax refunds if I get them for a few more years....I co...
by kingsnake
Tue Mar 22, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate nest egg at Vanguard?
Replies: 29
Views: 3370

Re: Consolidate nest egg at Vanguard?

I would consolidate if could.

taxable account, Roth, 529s, solo 401k are at Vanguard

other 401k, HSA, are at other instituitions :beer
by kingsnake
Fri Mar 04, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: 100% US Equities argument: "We spend in Dollars"
Replies: 49
Views: 5981

Re: 100% US Equities argument: "We spend in Dollars"

Didn't Mr. Bogle suggest that if one want to diversify into international equities, it should be no more than 30% of ones stock allocation? TGIF :sharebeer
by kingsnake
Thu Feb 11, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 6928

Re: White Kitchen Cabinets?

We have custom made kitchen cabinets done in Sherwin Williams Antique White. Love 'em.
by kingsnake
Tue Jan 12, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: USAA $300 Bonus for new checking acct
Replies: 7
Views: 2129

Re: USAA $300 Bonus for new checking acct

I got $200 or $300 for opening an account at Chase last year. Worked great because the Chase branch is much closer to my house than my previous bank.
I think the Chase offer is still running. :moneybag
by kingsnake
Fri Jan 08, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Resort in Scottsdale, AZ
Replies: 23
Views: 2673

Re: Resort in Scottsdale, AZ

Gainey Ranch on double tree :beer
by kingsnake
Thu Jan 07, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9447

Re: Jackpot Now Estimated $700 Million, who's in?

"So you're saying there's a chance..." Lloyd Christmas
by kingsnake
Fri Nov 20, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Espresso Machine Recs
Replies: 67
Views: 7185

Re: Espresso Machine Recs

Another vote for Jura here...my first machine lasted 10 years....sent it in for repairs but took a discount offer for a newer one. Been with Jura since 2004.
by kingsnake
Tue Sep 29, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Frequency of contributions for best return: daily? weekly? monthly?
Replies: 16
Views: 2095

Re: Frequency of contributions for best return: daily? weekly? monthly?

I let some pile up then invest it on down day. Like yesterday I bought 38k of vtsax.
Also avoided the quarterly distribution and it's taxes. Invest every 1-2 months this way.