Search found 356 matches

by cutterinnj
Sun Nov 15, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 128
Views: 9490

Re: New MacBook Pro with M1 processor

One thing to consider- If everything is working fine except the battery, and it’s an old machine anyhow, you could try to replace the battery yourself. Worse thing is you fry it, and you buy a new M1 machine anyhow. You can buy a new battery with install kit for about $50 off of Amazon. That’s what ...
by cutterinnj
Sun Nov 15, 2020 3:59 pm
Forum: Personal Investments
Topic: How do you handle "fun money"?
Replies: 63
Views: 5383

Re: How do you handle "fun money"?

I bought some Netflix a few years ago- got lucky.

I bought a “smidge” of Kodak a few months ago at 40. It’s now around 7. Doh!
It’s fun watching it, though.
by cutterinnj
Sun Nov 15, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 480
Views: 37921

Re: Items that are worth the money for the quality

Macbook Air. I bought it July 2013. I'm still typing on it now (2 battery replacements and one power cord replacement later.) I use it many hours per day for work and leisure (and even did an entire MBA online on it.) It's a powerhouse, and works better than the day I bought it (with 8 free major OS...
by cutterinnj
Sun Nov 15, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: mac mini vs. iMac
Replies: 45
Views: 2716

Re: mac mini vs. iMac

The screens Apple use on the iMac are absolute perfection that you almost can't buy as an external monitor if you wanted to, Sorry, but this just is not correct. I'd say it this way: Apple only sells good monitors. Other manufacturers sell monitors at all price points so you have to buy a more expe...
by cutterinnj
Sun Nov 15, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 31
Views: 2424

Re: playstation 5

I don't know if you already have the PS4, but most of the games out now on the 5 are also out on the 4 with very slight downgrades.

The new Spiderman game, for instance, still looks great on the 4. No scalpers necessary!
by cutterinnj
Sun Nov 15, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: mac mini vs. iMac
Replies: 45
Views: 2716

Re: mac mini vs. iMac

ANY Apple computer that you buy with an Intel chip will likely be obsolete far faster than usual. Balderdash. You have zero data to support this statement. Not true at all. During the last Apple silicon transition, from PowerPC chips to Intel chips in the early 00's, Apple stopped support for the o...
by cutterinnj
Sun Nov 15, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 31
Views: 2424

Re: playstation 5

I love games, but I don't see the point right now. Games look marginally better than my $200 PS4; Once the Unreal Engine 5 comes out next year and they build some games based on it, things will be different. By then, however, the console will be easy to find, cheaper, and they'll get rid of some of ...
by cutterinnj
Sun Nov 15, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: mac mini vs. iMac
Replies: 45
Views: 2716

Re: mac mini vs. iMac

Right now the calculus is very different than what it may be in a few years. Apple computers are in a "transition" state, where they are moving their CPU's over to a new type. The Macbook Air, Macbook Pro 13", and Mac Mini all now have the new M1 CPU's. The iMacs still have the older ...
by cutterinnj
Mon Nov 02, 2020 10:28 am
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20301

Re: What’s “your number” for each kid’s 529?

One very nice thing about 529’s;
They are protected assets in divorce.

It is not used in equitable distribution, and goes directly to the kids.

Very nice thing for anyone who is married.
by cutterinnj
Mon Nov 02, 2020 10:21 am
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20301

Re: What’s “your number” for each kid’s 529?

My kids are 7 and 9. They have roughly 500k between the two of them. Stopped adding a few years ago, and have no plans on funding them any further
by cutterinnj
Sat Aug 01, 2020 9:34 am
Forum: Personal Investments
Topic: Is 25 too young for paid off house?!
Replies: 72
Views: 5308

Re: Is 25 too young for paid off house?!

This is awesome!
You completed a life goal at age 25.
Smile and don’t ever pay a mortgage again!
by cutterinnj
Wed Jul 01, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 7156

Re: FYI - Disney+

My kids love Disney plus. They love watching old Disney channel shows, old cartoons (the gummy bears) and of course all of the old movies . I liked the mandalorian, and I’m looking forward to the new marvel and Star Wars content. It will be nice to finally see Hamilton , as I wasn’t about to spend $...
by cutterinnj
Sun Jun 14, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11846

Re: Prenup? What Should It Say?

Another big issue that should be addressed in a doctor marriage should be the medical practice. Particularly if you buy into a practice after marriage, it can be a huge point of contention in a divorce. She can claim 50% of this in a divorce. Protect this. Trust me
by cutterinnj
Sun Jun 14, 2020 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11846

Re: Prenup? What Should It Say?

you should want to protect it in the event your marriage ends in divorce (which is very, very common these days). It's actually not that common for people marrying for the first time in their 30s. It's like in the 20% range. People who get married early in adulthood are far more likely to get divor...
by cutterinnj
Sun Jun 14, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11846

Re: Prenup? What Should It Say?

So when is the wedding? A prenup is a bad way to start out something as serious as marriage. -TheDDC Maybe I shouldn't let my wife read this, she isn't yet aware that our pre-nup was a bad way to start our marriage. i think prenup shows maturity of people. if two people agree to prenup, they are ad...
by cutterinnj
Sun Jun 14, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11846

Re: Prenup? What Should It Say?

So when is the wedding? A prenup is a bad way to start out something as serious as marriage. -TheDDC Effectively everyone who gets married has a prenup. Most people just use the default one provided for the by state. Others pick one that matches their situation and desires better. And no prenups ar...
by cutterinnj
Sun Jun 14, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11846

Re: Prenup? What Should It Say?

Get an independent lawyer. Now.

Me: doctor who married a nurse without a prenup. She started cheating on me, stealing from me, files for divorce, and now delays my retirement.

A few k on a good lawyer prior to the marriage could’ve helped a lot...
by cutterinnj
Tue Jun 09, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Zelle for money transfer
Replies: 44
Views: 2640

Re: Zelle for money transfer

Have you used Zelle an do you like it? Can you set it up to use on a browser on a desktop computer, or do you have to use an app on a phone? Is there any way to link it to a Vanguard, Fidelity or Schwab account? I have TD bank which uses Zelle built in. I’ve used Zelle since February to automate we...
by cutterinnj
Tue Jun 09, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Upgrading iphone
Replies: 8
Views: 743

Re: Upgrading iphone

I have an iphone6s...works fine. No complaints I am curious if anyone upgraded from iphone6s to the latest iphone. What benefits did they see in their day to day life. For instance, I don't care about water-proofing. However I will care about things that make me more productive (I use work email on...
by cutterinnj
Tue Jun 02, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 118951

Re: Why are you NOT buying rental properties?

After watching what my friends go through as landlords as well as all the craziness from the last few months, I thank the lucky stars I don’t have any investment properties.
by cutterinnj
Tue Jun 02, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Potential Relocation to West Palm Beach
Replies: 18
Views: 1381

Re: Advice for Potential Relocation to West Palm Beach

My dad moved there a few years ago after living in Queens New York for most of his life. He loves it and would never go back. He was sick and tired of shoveling snow. He does not mind the heat even in the summer and just sits in his pool or hangs out inside. My kids love visiting him and it is relat...
by cutterinnj
Sat May 30, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refi from 3.125% 30 yr fxd convo - when now-8/24?
Replies: 9
Views: 793

Re: Refi from 3.125% 30 yr fxd convo - when now-8/24?

Out of curiosity, is there such a thing as a 5, 7, or 10 year mortgage, and are they worth it?

I have a 15 year at 2.875%, with about 9 years left. Not sure if there is a product that makes sense for me now.
by cutterinnj
Fri May 29, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 30
Views: 2624

Re: New iPhone SE?? has anyone bought and used one?

This is a great phone, and very reasonably priced for any phone, let alone one from Apple.

It has the fastest phone chip ever made (the $1500 iphone has the same chip.)
I think it's a perfect size for most.

I personally have an 11 I bought last year, or I would've gotten this one.
by cutterinnj
Thu May 28, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 3048

Re: HBO Max

I pay for Netflix ($13/month) I get Hulu, Spotify, and showtime for $5/month total through a promotion I paid for Disney plus 3 years up front for $143 I get amazon prime for around $55 a year (which I use more for amazon- don’t really watch much of it) My dad bought into hbo max for $12, which I’ve...
by cutterinnj
Thu May 28, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11806

Re: The "Best of" for Aldi?

Aldi’s is the poster child for efficiency. Every step they make, from store design on, is to make their operations efficient. Examples -they plan and build their stores (rather than move into prebuilt space) with quality materials to ensure insolation is excellent and it lasts for decades - everythi...
by cutterinnj
Sun Apr 12, 2020 1:35 am
Forum: Personal Investments
Topic: When *wouldn't* you backdoor to a Roth in these conditions?
Replies: 11
Views: 1121

Re: When *wouldn't* you backdoor to a Roth in these conditions?

If you are in a high tax bracket and will likely be in a lower tax bracket after retirement, makes more sense to invest in a regular IRA than to backdoor it to a roth
by cutterinnj
Mon Mar 16, 2020 9:40 am
Forum: Personal Investments
Topic: What would you buy on this dip?
Replies: 13
Views: 1417

Re: What would you buy on this dip?

VTSAX.
by cutterinnj
Thu Mar 12, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1284
Views: 121305

Re: Well, I am market timing due to coronavirus... Wish me luck.

I just called vanguard to put 3k into vtsax today.

I refuse to go online to do it, because it would force me to look at my balance
by cutterinnj
Sun Mar 01, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Best stock to buy in the dip
Replies: 25
Views: 2192

Re: Best stock to buy in the dip

SleepCity wrote: Sun Mar 01, 2020 9:00 am I'm thinking of going all in on Apple in this market dip. The index funds are not going to bounce as high as apple will in the next 12 months. Anyone else try this method?
I’m all in on VTI.
by cutterinnj
Thu Feb 27, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: iPhone 6s - upgrade to 11 or 12?
Replies: 41
Views: 3138

Re: iPhone 6s - upgrade to 11 or 12?

I had a 6S which I had bought in 2015. I replaced the battery 5/18, but it had started to die again by 11/19. I found a black Friday special (iPhone 11 128 GB for $660 after rebate) which I couldn't resist, so I upgraded. I like the iPhone 11 a lot. The battery lasts > 24 hours, whereas the 6S was c...
by cutterinnj
Wed Feb 26, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids about saving money and investing
Replies: 48
Views: 3566

Re: Teaching kids about saving money and investing

Any recommendations for a good way to teach kids about saving and investing. We have Two kids 10&13. Thanks. Someone on this site recommended this book. (get it used - many used cheap copies) I thought it was helpful and implemented it. It's been good so far. Kids 9 and 10 https://www.amazon.co...
by cutterinnj
Wed Feb 26, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Post Divorce Business Sale Sharing, Reality Check
Replies: 33
Views: 4090

Re: Post Divorce Business Sale Sharing, Reality Check

I am (very) recently divorced, also with a medical practice As part of the settlement, I paid my ES what we determined to be 1/2 the value of the practice (in cash) and the marital separation agreement (MSA) specifies that she has no further claim against my practice. (Why she would have any claim o...
by cutterinnj
Wed Feb 19, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

Nobody on Earth gets married thinking it will end. "Feeling" a spouse might want to back out isn't even a thing at the alter. I don't "feel" I'll get in a car accident, or that I'll die early, or that something catastrophic will happen to my home, but a lot of things are (at lea...
by cutterinnj
Wed Feb 19, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

If I felt my spouse might want to back out I wouldn't get married. Yes, but that's the point...how you feel now and how your spouse feels now may change in the future, and to say "no it won't" is to be naive. I agree for marriage that starts out with two young people who both have little,...
by cutterinnj
Tue Feb 18, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

My fiancé will be arriving shortly on a K-1 visa (90 days to get married following the impending arrival). I’m unsure if a prenup makes sense. I would prefer to not get one, but many people make it feel dangerous to not. She is open to the idea. We met and dated in person for a year while I was wor...
by cutterinnj
Tue Feb 18, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

Forget the prenup, don't even get married. +1 marriage is a silly man-made construct designed to waste tons of resources. There may be some legal reasons for it, but marriage is otherwise not necessary. I have a cousin in another country who has been with his partner for 40 years, has had 3 childre...
by cutterinnj
Tue Feb 18, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

A contrary opinion: Asking for a prenup implies that when you make vows "to death do us part", you don't really mean that - you foresee a situation where one of you may not be committed to the marriage for life. If this is the case, don't get married in the first place.. I don’t buy healt...
by cutterinnj
Tue Feb 18, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

1. Married female of same age from South America 2. Had a child 3. Bought house South of Riverside, CA 4. Wife staged bruises and called cops on him as he slept. 5. He is out of the house, paying for everything and so on 6. He is finding out more everyday, but $$$ was skimmed and moved overseas. Ho...
by cutterinnj
Tue Feb 18, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10595

Re: Prenup - Worth It?

A contrary opinion: Asking for a prenup implies that when you make vows "to death do us part", you don't really mean that - you foresee a situation where one of you may not be committed to the marriage for life. If this is the case, don't get married in the first place.. I don’t buy healt...
by cutterinnj
Sun Feb 16, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: When will 5G be available in Rural US?
Replies: 70
Views: 4755

Re: When will 5G be available in Rural US?

Depending on where I am, I can get over 100mbps with 4g signal. I can download an entire movie within a few minutes (let alone worry about streaming it in real-time.) What do you hope that 5g will do for you? I think 5g is an amazing technology looking for a use; in 5-10 years, we may have that use ...
by cutterinnj
Thu Feb 06, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Physician assistant salary?
Replies: 39
Views: 7870

Re: Physician assistant salary?

My daughter is thinking of becoming a physician assistant. From my profession, the internet seems to have it wrong on salary. How much are physician assistants making in the real boglehead world? Thanks : ) We pay ours 105-115k. Mon-Friday 815-430 with a lunch break, some phone calls to answer ever...
by cutterinnj
Thu Feb 06, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 66
Views: 11931

Re: Netflix - New Way Of Throttling [DVDs]?

Since this is Bogleheads, we might as well digress to a bit of data from their investor filings. The Q4 2019 earnings statement lists 2.15 million DVD service subscribers, providing average revenue per subscriber of $11.50 per month... ...and a 58.5% operating margin for that segment of their opera...
by cutterinnj
Thu Feb 06, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 66
Views: 11931

Re: Netflix - New Way Of Throttling [DVDs]?

Netflix has become a movie studio. They have bought up content providers and have their own physical studios now. They are pushing to create their own content as quickly as possible to own everything they stream. I wouldn't be surprised if they discontinue the DVD mailing business within the next fe...
by cutterinnj
Tue Feb 04, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 137
Views: 12224

Re: who do you bank with and why?

TD Bank.

Lots of branches around here.

I just use them for basic checking and need a quick way to deposit checks and take out money.
by cutterinnj
Sun Jan 19, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Apple Care
Replies: 19
Views: 1538

Re: Apple Care

Don’t forget that with Apple care, the replacement still isn’t free- just a reduced charge.

In the unlikely event you actually damage your iPhone 11, you can probably have it repaired by a third party cheaper.

The iPhone 11 is very durable.
Save your money.
by cutterinnj
Sun Jan 19, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Apple Care
Replies: 19
Views: 1538

Re: Apple Care

This may have been worth it in previous generations, but not on the 11 series. The water proofing and shatter resistance is much higher than in older iPhones. There have been videos and news reports of people testing out the strength of this phone. They have dropped it on concrete from various heigh...
by cutterinnj
Sat Jan 18, 2020 11:49 am
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9288

Re: Wife left

Having just gone through this myself (actually still finishing the formalities) I will absolutely agree that you want to keep the lawyers out as much as possible. If you can sit down and agree how to split things, you can keep costs (relatively) reasonable. I have a great lawyer; ex-wife went throug...
by cutterinnj
Mon Jan 06, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1999
Views: 485731

Re: Share your net worth progression

This is very approximate; numbers include taxable and retirement accounts, will list approximate real estate separately. Also have approximately $500k in 529's for 2 young children Age 44 December 1, 2019: 2.35 million + around 400k home equity; Married, 2 children January 1, 2020: 1.42 million + ar...
by cutterinnj
Tue Dec 24, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 79
Views: 5709

Re: What NON-frugal thing did you do today?

Bought breakfast at hospital cafeteria, lunch at boston market, now tea and a muffin at starbucks while I read bogleheads.org and slickdeals.