Search found 306 matches

by cutterinnj
Sat Sep 14, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9717

Re: How old is your cellphone?

I Currently use a 6S which I bought November 2015. It is the last model that has a headphone jack. I am planning on using it one more year as it is likely that they will cut support with the iPhone 12. However, if there is a great deal on an iPhone 11 during Black Friday or something, I might bite. ...
by cutterinnj
Fri Jul 26, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 8492

Re: MBA worth it?

I'm a urologist, doing an MBA mostly for "fun", and do find that the intellectual stimulation is "worth it." I'm doing it through the University of Massachusetts Isenberg Online, in association with the American Association for Physician Leadership. It will not help my current job. Any job that I wo...
by cutterinnj
Sun Jun 16, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9929

Re: IPhone 6 - showing some age

We had a similar issue with a 6S; it would drain quickly and then turn off. The battery health indicator wasn't accurate. (The Genius told us it often isn't for older batteries.) Bottom line; if your 6 is still using the original battery, it's likely at its end-of-life. Apple will replace it for $49...
by cutterinnj
Wed Jun 05, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 40801

Re: For those who earn $500k+ per year. How'd you do that?

$1.1M Urologist Midwest/suburban major city 34 years old Employed group practice/RVU-based That’s impressive I’m a urologist; I do well but not THAT well. Do you guys do radiation? 1.1 million seems like a LOT of RVU’s. That’s all generated from clinical productivity, ~20k wRVU/yr I do not have acc...
by cutterinnj
Tue Jun 04, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 40801

Re: For those who earn $500k+ per year. How'd you do that?

Coude wrote:
Mon Jun 03, 2019 6:25 am
$1.1M
Urologist
Midwest/suburban major city
34 years old
Employed group practice/RVU-based
That’s impressive
I’m a urologist; I do well but not THAT well.

Do you guys do radiation?

1.1 million seems like a LOT of RVU’s.
by cutterinnj
Sat Jun 01, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11271

Re: How did you all do in the month of May, 2019

Down a bunch.
Should stop checking so often. Probably should only check every 10 years or so...
by cutterinnj
Fri May 31, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 40801

Re: For those who earn $500k+ per year. How'd you do that?

Urologist.
Have my own practice and take advantage of some ancillary services, good contracts, etc...
Work 4 days a week, 8 hours a day, with minimal call at a single hospital.

Good life style and pay for a subspecialist, but you’d better not be squeamish!
by cutterinnj
Wed May 08, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 2141

Re: New smartphone recommendations

I like my iPhone 6S; I've had it for almost 4 years (replaced the battery a year ago) and it's still pretty zippy. You may want to look into an unlocked 6S or 7. Another option is the iPhone SE; it's a bit smaller, but I've seen deals for the phone for < $100. I have family members who have been on ...
by cutterinnj
Wed Apr 24, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12985

Re: Who is buying 1-3 year old used Toyotas and Hondas?

I bought my Lexus ES350 (essentially a fancy Camry) at 3 years old; basically almost 50% off, with 2.3 year bumper to bumper warranty.

Lexus seems to depreciate quicker than Toyotas the first few years.
by cutterinnj
Sat Mar 23, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4884
Views: 1263622

Re: What Movie Have You Recently Watched?

Spider-Man: Into the Spiderverse

Just rented from Redbox on Blu-ray.
My 6 and 8 year old daughters liked it a lot, as did I (but I like comic book movies.)

Won the Oscar for best animated movie this year.

The other weekend we rented Ralph Breaks the Internet, and we enjoyed that as well.
by cutterinnj
Wed Mar 06, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 11804

Re: Best Car Values

I went from a 2007 model to a 2014 model of the same car last year.
The safety features were night and day, and my life isn’t worth the small amount I would save buying ancient technology.
by cutterinnj
Thu Feb 28, 2019 2:31 pm
Forum: Forum Issues and Administration
Topic: Keep Bogleheads Free! (as in unaffiliated)
Replies: 52
Views: 6585

Re: Keep Bogleheads Free! (as in unaffiliated)

There are enough posts complaining about vanguard that I’m not sure this will be an issue .
by cutterinnj
Thu Feb 28, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 65
Views: 26295

Re: Any thoughts on The Aurora Report? [Arora Report]

It looks like his picks are usually pretty wrong, based on tipranks.com. He is ranked #4506 out of 11922 “experts”. I’m sure some have made money, and I’m sure plenty have lost. As a mentor once told me, “even a broken clock is right twice a day.” Only one person has posted here “supporting” this gu...
by cutterinnj
Fri Feb 15, 2019 6:34 am
Forum: Personal Investments
Topic: Paychex 401k
Replies: 3
Views: 433

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: 75
Views: 10227

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: 6425

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: 1419

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: 58008

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: 1590

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: 153
Views: 12067

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: 153
Views: 12067

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: 12479

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: 6004

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: 952

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: 1853

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: 1853

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: 1853

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: 1853

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: 1953

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: 12414
Views: 2144014

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: 6128

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: 1571
Views: 170472

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: 7717

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: 2944

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: 1802

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: 6854

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: 14028

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: 1427

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: 1427

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: 4289

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: 2591

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 [June 4, 2019]
Replies: 24
Views: 2785

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: 729

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: 2954

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: 2198

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: 1900

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: 6099

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: 196
Views: 22639

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: 844

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: 1571
Views: 170472

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...