Search found 293 matches

by cutterinnj
Fri Feb 15, 2019 6:34 am
Forum: Personal Investments
Topic: Paychex 401k
Replies: 3
Views: 362

Re: Paychex 401k

They custodian the account themselves through the paychex portal.
by cutterinnj
Sun Feb 10, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 63
Views: 5722

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

I find the car I want at the best price within 500 miles on cars.com. Then I contact closer dealers with comparable cars and ask if they can beat it, out the door. Once I get one at the lowest “out the door” price, I print the email, bring it to the dealership, test drive, and buy at the exact price...
by cutterinnj
Sat Feb 09, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5529

Re: 2 years in community college, then transfer? need opinion please

Yes, of course it makes sense.

I did 2 years at community college, finished my undergrad at a “top ten” school, then went to med school.

Why not save money where you can?
by cutterinnj
Thu Jan 31, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: iPhones with trade in
Replies: 22
Views: 1230

Re: IPhone Sale from APple

Still rocking my 6S from 3+ years ago. Replaced the battery last year and will likely do it again within a year.

If you have the 6S or the SE, I’m not sure there’s a great reason to upgrade unless you really need animated emojis
by cutterinnj
Fri Jan 18, 2019 2:41 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49406

Re: John Bogle has died at age 89

Thank you.
Rest in piece.
by cutterinnj
Mon Dec 31, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: How to get the best deal on cruise?
Replies: 14
Views: 1417

Re: How to get the best deal on cruise?

You absolutely need to go to cruisecompete.com You put in the exact cruise and category of staterooms you are looking for, and the engine will have multiple agents compete for your business. I have gotten better prices and/or perks via this approach on the last 5 out of 6 cruises. Generally a much b...
by cutterinnj
Thu Dec 13, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10883

Re: 3% Interest on checking and savings account - Robinhood

It is SIPC insured.
You are still covered for 250k
by cutterinnj
Thu Dec 13, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10883

Re: Robinhood to launch 3% Checking & Savings Accounts

Very interested in this. I keep WAY too much money in a TD Bank checking account earning about 0.1%. I'm not quite sure how this will work; if I have a check I want to deposit, do I mail it to them? If I need cash, I guess I have to pay an ATM fee? Maybe it makes sense to keep TD with a very small b...
by cutterinnj
Sun Dec 09, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 11377

Re: Certified Used BMW, Audi or Mercedes

I was thinking of buying a Certified pre owed vehicle from one of the "luxury" german manufacturers. My local mechanic says owning these cars after their warranty can be costly. He says stick with Japanese brands. I'm wondering if this is a dated school of thought of if this still holds true today?...
by cutterinnj
Sun Dec 09, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 5635

Re: Has anyone adjusted their stock allocation on the dip?

I have a lot of VFORX (target retirement).
So a lot of it is autorebalanced.

I like to idiotproof my portfolio.
by cutterinnj
Sun Dec 09, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Are you glad you bought an Xfinity Telephony Modem?
Replies: 13
Views: 892

Re: Are you glad you bought an Xfinity Telephony Modem?

We got rid of our landline years ago; if I had one, I'd get a magic jack, which is what my neighbor has. It cost $30 and includes a year service. You just plug the device into your cable modem, port your number over, and you're done. Don't subsidize the Comcast executive's yacht with absurd fees, ju...
by cutterinnj
Sat Dec 08, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1750

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) As I understand it, Chrome is the Google b...
by cutterinnj
Sat Dec 08, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1750

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) At minimum, it is good for web developers,...
by cutterinnj
Sat Dec 08, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1750

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) Microsoft had a monopoly on browser techno...
by cutterinnj
Sat Dec 08, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1750

Re: Microsoft : Edge Being Replaced by Chromium

ubermax wrote:
Sat Dec 08, 2018 12:22 pm
For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ??
This is essentially Microsoft granting google a monopoly on browser technology.
Really bad for everyone. (Except google.)
by cutterinnj
Sat Dec 08, 2018 6:25 am
Forum: Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1774

Re: VMMXX over.... CD, Bonds, HYS?

Wouldn’t VMSXX (the municipal version) be preferable over VMMXX in higher tax brackets?
by cutterinnj
Tue Dec 04, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1807566

Re: U.S. stocks in freefall

Nicolas wrote:
Tue Dec 04, 2018 8:39 pm
GoldenFinch wrote:
Tue Dec 04, 2018 8:31 pm
Aren’t we just back to last Tuesday for the S&P? What’s all the commotion about?
The severity or suddenness of the drop could portend further weakness.
Or it could foreshadow a gain.

Flip a coin.
(...or don’t, and just stay the course.)
by cutterinnj
Thu Nov 22, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 5747

Re: "consultation fee": standard for preventative colonoscopy?

It is customary for a physician who is doing any sort of procedure to have a consult with you beforehand to review the risks, benefits, and alternatives.

Medicolegally it is necessary.
by cutterinnj
Sat Oct 27, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1110
Views: 113553

Re: [What TV Show Have You Recently Watched?]

Finishing watching Season 2 of Atypical; very good drama/comedy about a family that has an 18 year old autistic son who is "coming of age". Plan on doing Daredevil Season 3 after, then hit Schitt's Creek Season 4. Netflix is just hitting home run after home run recently. I feel like there's no reaso...
by cutterinnj
Sat Oct 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7323

Re: How many miles (total) on car before buying another car ?

I think 120000 miles is a good place to sell. Before major repairs are required, and you can likely still get a decent trade-in (or private sale.) More importantly, the safety features in modern cars are well above what your older car has. I was shocked when I went from a 2007 to a 2014 last year ju...
by cutterinnj
Sun Oct 21, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2793

Re: Do I need laptop software?

You can get a perfectly decent Chromebook laptop for MUCH less than $500. It will have all the software you would need; The google office suite has become very powerful (and is free.) If you go with a Windows machine (which you can also get for less than $500, you can still use Google Suite. You cou...
by cutterinnj
Sun Oct 21, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 25
Views: 1547

Re: Short trip to Orlando with my parents and children

Those dates 11/5 and 11/6 are not so crowded at WDW and we love it there. You would need much more time to see all of WDW so decide ahead of time what exactly you want to see. Always try to check the crowd calendar when you are going to the parks in Orlando. https://www.undercovertourist.com/orland...
by cutterinnj
Sat Oct 20, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6179

Re: Pull kids from school for vacations?

We pull our kids regularly, but they are in kindergarten and 2nd grade. Not sure what we will do in a few years.

You only live once, and you have no idea when your time is up.

Enjoy the world and your family.
Fractions aren’t going anywhere.
by cutterinnj
Sat Oct 20, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 74
Views: 13068

Re: Set it and forget it

I do this, too, in my tax deferred account I always feel a little guilty that I should be buying the individual funds instead, and rebalancing regularly. Then I remind myself that the premium is small, and that the truly important thing is what Rick said- just contribute to something simple and don’...
by cutterinnj
Sat Oct 13, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1314

Re: I'm an employer looking to get the best 401k deal for my employees!

Payroll is with Justworks (PEO), they use Slavic. It has a 60bp AUM fee, which to me seems high. In your experience how does that map to what you paid? When all things were taken into account with the fees that Ascensus was charging us for record keeping and the lack of Fiduciary law compliance, it...
by cutterinnj
Sat Oct 13, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1314

Re: I'm an employer looking to get the best 401k deal for my employees!

I was in the same predicament as you a few years back; when I took on the role, we were using an insurance company- obviously a big mistake based on charges! We moved over to Ascensus, which was Vanguard's platform for a few years. The fees were MUCH better; however, they did not supply the fiduciar...
by cutterinnj
Sat Sep 15, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3847

Re: Should I get a new iPhone?

I have a 6S- almost the same as yours. It does what I need it to, and it lets me use headphones- something you can’t easily do with the new phones. iOS 12 will supposedly make this even faster. I would recommend getting a new battery for $29 (if you haven’t already) and keeping what you have. I don’...
by cutterinnj
Sun Sep 09, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2407

Re: Video Game Collection

I vote sell. I love video games; however, you really no longer have to have the original to play them; in fact, it's often better if you don't. A few years ago, I paid someone around $230 for an original, 2001 XBox with a customized 2 terabyte hard drive. On that hard drive includes just about every...
by cutterinnj
Sat Sep 01, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1877

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

I pay around $11 per month after taxes for the all access plan- mainly for Howard Stern.
Definitely won’t keep it once he leaves
by cutterinnj
Mon Aug 27, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Modem rental
Replies: 6
Views: 713

Re: Modem rental

Comcast tried it on me, but I nipped it in the bud. Not 4 years later. I don't suppose you still have the purchase receipt for your modem in some old records do you? No receipt. Probably bought at local best buy. I wished I had bought it at Amazon, which keeps all the previous orders. If you bought...
by cutterinnj
Sun Aug 26, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey Ex-L - new or certified used?
Replies: 35
Views: 2545

Re: Honda Odyssey Ex-L - new or certified used?

The newer models have a lot more safety features that you will want for your family We initially bought a 2007 preowned ex-l certified for a great price in 2010. In 2016 we bought a new 2016 elite- the upgrades that keep my kids safe are well worth the premium. As an aside, my wife is getting an itc...
by cutterinnj
Tue Jul 24, 2018 9:29 pm
Forum: Personal Investments
Topic: Why VTSAX did not align with S&P 500 today?
Replies: 12
Views: 2043

Re: Why VTSAX did not align with S&P 500 today?

Thanks for asking this. I was looking at the markets, and was wondering the same thing; I assumed either small caps were down a LOT or some crazy mistake was made. Sounds like it was the former.
by cutterinnj
Sat Jul 21, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1792

Re: iPhone to Android in 2018...

My iPhone 6S has been great for almost 3 years- just spent $29 to change over the battery. Rumor is that ios12 which is coming out this fall will make it even faster. I can’t think of a reason to upgrade my phone, let alone completely change ecosystems (and lose iMessage, FaceTime, App Store, etc...)
by cutterinnj
Mon Jul 09, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5919

Re: Should I take a $60k paycut to work 4days/week

I work a 4 day week, and have since I entered the workforce after residency training. At this point, I could not work a 5 day work week. Life is just too short, and while I do enjoy aspects of my job, I don't "love" it to the point where it's what I want to be doing 71% of my days. 4 days gives you ...
by cutterinnj
Thu Jul 05, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17298

Re: What I spent in 6 months on medicare

JoinToday wrote:
Thu Jul 05, 2018 6:13 pm
$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock:

That is a line item in the budget that I didn't expect. I didn't realize it was so expensive.
I spend about 5 times this for my healthy family of 4 (2 small kids, 2 adults) with high deductible.
by cutterinnj
Thu Jul 05, 2018 6:38 pm
Forum: Personal Investments
Topic: 401k - Target Retirement Fund a good idea?
Replies: 6
Views: 766

Re: 401k - Target Retirement Fund a good idea?

I have quite a bit more in my retirement funds, and I still use target retirement funds- largely due to laziness.
The “set it and forget it” continuous rebalancing May be worth the small premium you pay over admiral index funds
by cutterinnj
Wed Jul 04, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1110
Views: 113553

Re: [What TV Show Have You Recently Watched?]

Watching Better Call Saul on Netflix. Prequel to Breaking Bad, very well done. Also watching "Schitts Creek" on Netflix; light comedy series from Canada featuring Eugene Levi and Chris Elliott, good for breaks. Also watching Rick and Morty on Hulu; hilarious animated series about a sociopathic super...
by cutterinnj
Sun Jul 01, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22502

Re: What are your property taxes?

New Jersey
Main house:
~5000 sq ft on an acre; probably around $500k value
taxes: 15k/year

house down the street:
~1500 sq ft in retirement community, probably around $250k value
taxes: 8k/year
by cutterinnj
Sat Jun 30, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 11402

Re: Can I buy a Tesla?

Now that I think of it, using Livesoft’s Rule, you probably can’t afford it. Livesoft’s Rule states that you can spend as much on a car as your portfolio has made or lost in a day. That might be a bit extreme. Assuming you have a stable job, you should have a reliable, safe car. You may not be able...
by cutterinnj
Sat Jun 30, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 11402

Re: Can I buy a Tesla?

A few missing pieces of information: How old are you? How much do you have saved for retirement? Do you have any debt? 32 and I am just starting my career as a specialist physician. I have about $160k in retirement About $60k in low interest ( <2%) debt You're a new doctor? ABSOLUTELY DO NOT BUY IT...
by cutterinnj
Sat Jun 23, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5765

Re: Apple MacBook Air On Sale $699

I am typing this on my July 2013 Macbook Air. It runs faster than the day I bought it. Other than a battery replacement last October, there's been no maintenance needed. This thing just works like a high-end appliance. Open the shell, and use. I buy these for all my doctors to use in my medical prac...
by cutterinnj
Sun Jun 17, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6748

Re: Has Anyone Tried Youtube TV?

Just looking at this again, after my post - if I were Verizon/Comcast ...etc., I'd be worried. The set-top box may soon be a thing of the past. We keep Comcast solely because it’s cheaper to have cable and internet than internet alone. Our set top box is sitting on a shelf unplugged. Once 5g is act...
by cutterinnj
Fri Jun 08, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 6263

Re: Best solution for digitizing documents?

For my business (medical practice), we've instituted Brother ADS-2800W scanners. they're a bit under $400, but have been wonderful. They are network scanners- meaning, no computer needed- you just touch the LCD screen, and it makes very quick double-sided copies of anything on the feeder. It support...
by cutterinnj
Thu Jun 07, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5766

Re: daughter wants a college transfer?

Cornell is a great school, but has notorious issues with grade deflation.

If she is really interested in med school, transfer to a different (cheaper?) school.
A “C” in Cornell organic chemistry (which might be an “A” elsewhere) won’t cut it.
by cutterinnj
Sun Jun 03, 2018 6:25 pm
Forum: Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 5383

Re: Is it fine to have 100% of portfolio in VTSAX

It is fine to have 100% in VTSAX with your time horizon.

If you're going to do that, I recommend NOT checking your account or reading the news for the next 20 years, though...
by cutterinnj
Sun Jun 03, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1110
Views: 113553

Re: [What TV Show Have You Recently Watched?]

Just finished "The Toys that Made Us"; an 8 part documentary about the toy industry. Great episodes on GI Joe, Transformers, Legos, Star Wars, Star Trek, Hello Kitty toys. Enjoyed it. Currently working through Jessica Jones season 2, then plan on Arrested Development Season 5 and Better Call Saul se...
by cutterinnj
Sun Jun 03, 2018 6:15 pm
Forum: Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 8168

Re: Should I put some money aside in money market for market correction

CyclingDuo wrote:
Sun Jun 03, 2018 5:46 pm
santosh wrote:
Sun Jun 03, 2018 4:03 pm
But one thing is bothering me is that market has been going up since 2009 and I feel the market correction is bound to happen.
All you need to know on an index card:

Image

Thanks; downloaded this.
by cutterinnj
Sun Jun 03, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4426

Re: Can a physician work in tech while practicing as well?

Regardless, I think I'm good enough to explore this field and feel that its niche enough (bridging medical knowledge - to ask the right questions and tailor the EMR/informatics to help doctors with the tech side-figuring out how to do it) that I would be marketable if done right for a hospital- adm...
by cutterinnj
Sun Jun 03, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4426

Re: Can a physician work in tech while practicing as well?

Im really interested in expanding my abilities and challenging myself. I am a doctor about to finish residency. In a few years- maybe 3-4 years from now I would like to explore a path in tech but also continue practicing medicine at the same time. Maybe get a masters in engineering EE while working...
by cutterinnj
Sat May 19, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7221

Re: What’s your phone/internet bill?

Comcast 250 mbps Internet Basic cable (probably about 50-100 channels? I don't turn it on) plus HBO $78 including taxes and the ridiculous made-up fees they tack on. I would do Internet only in a heart beat, but it would actually be more expensive than Internet + Cable. I just about never use the TV...