Search found 219 matches

by cutterinnj
Sun Dec 10, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: An argument for investing in bitcoin
Replies: 10
Views: 645

Re: An argument for investing in bitcoin

Wouldn't this just be speculation?
Similar to precious metals, pork bellies, and the like?
Maybe a step beyond, close to gambling?

I guess if speculation and/or gambling has a role in your portfolio for some reason, then maybe?
by cutterinnj
Sat Dec 09, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4185

Re: I am buying a car: Most/Least Reliable Makes?

Your list is missing Lexus ( essentially a really well-made Toyota) which goes at the top My move for about the last 10 years is to buy the ES model a few years out and let the first owner take the depreciation. Currently driving a loaded 2014 I got for 24k, with unlimited mileage original Lexus war...
by cutterinnj
Sat Dec 09, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 174
Views: 12838

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

For us, it’s travel My 4 and 7 year olds have been on more cruises than an average 80 year old. We do at least a cruise a year, plus a fairly long exploration trip. Last year we did 2 weeks in California, this year we did Maine. Looking into Alaska next year (Although the 4 year old keeps talking ab...
by cutterinnj
Wed Dec 06, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10927

Re: Do people still use AAA?

I joined AAA 10 minutes after my alternator broke and my car broke down this past summer. It was $50 well spent. Not sure I will renew it or just pay another $50 membership the next time a car dies. It is a lot cheaper than paying for towing.
by cutterinnj
Sun Dec 03, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9535

Re: Any retired boglehead doctors out there?

I'm a surgical subspecialist. My job is 4 days a week. This is what all my partners work as well. Not really "semi-retirement", but not working 5 days a week is absolutely key. I also mainly do work in the office (including procedures), and rarely do anything at a hospital, which I think is a huge ...
by cutterinnj
Sun Dec 03, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9535

Re: Any retired boglehead doctors out there?

I'm a surgical subspecialist. My job is 4 days a week. This is what all my partners work as well. Not really "semi-retirement", but not working 5 days a week is absolutely key. I also mainly do work in the office (including procedures), and rarely do anything at a hospital, which I think is a huge ...
by cutterinnj
Sun Dec 03, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2452

Re: Any websites to help find a great doctor?

Toons wrote:
Thu Nov 30, 2017 4:40 pm
This website might be of assistance
"Best Urologists"
https://www.ratemds.com/best-doctors/?c ... =urologist



:happy
That website is gamed just as hard as pretty much all the others.
Very hard to get objective data online unfortunately.
by cutterinnj
Sun Dec 03, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2452

Re: Any websites to help find a great doctor?

* I am not seeking medical advice.* One generally asks friends and family to recommend a medical provider. Sometimes a primary care physician can be relied upon to recommend a specialist. I have been interested in finding an excellent urologist in the Bay Area. I feel uncomfortable posting about it...
by cutterinnj
Sun Dec 03, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9535

Re: Any retired boglehead doctors out there?

I'm a surgical subspecialist. My job is 4 days a week. This is what all my partners work as well. Not really "semi-retirement", but not working 5 days a week is absolutely key. I also mainly do work in the office (including procedures), and rarely do anything at a hospital, which I think is a huge t...
by cutterinnj
Sun Dec 03, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6671

Re: How to convince DW that high miles used car is OK

I just had a 118k mile Lexus that I traded for a 39k mile newer version last week. I had bought it at 70 4 years ago. Had an issue with a coil 1 month after I bought it, then it ran great until about 110k miles. After 110k, alternator went on way to work. Then had an issue with spark plugs and coils...
by cutterinnj
Sat Dec 02, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3674

Re: Should I keep the new iPad I bought or return it?

iPhone 5S? Should have upgraded that. I did.....I just put a new battery in it :D I strongly recommend upgrading to the iPhone SE. It is the same size as the 5S but the innards and camera are far more powerful. They constantly run specials where you can get it for less than $150. I upgraded both my...
by cutterinnj
Wed Nov 29, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9392

Re: Why should I donate to my alma matter?

I graduated 20+ years ago and every year give a token $50-100. I do it mainly to add to their "participation numbers". I have no dreams/plans for my children to attend this school. I also do not keep in touch with any of my classmates, apart from a once every few years meetup... I was on a huge aid...
by cutterinnj
Sat Nov 11, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11172

Re: Tipping for restaurants where you order at the counter

At non-chain/family owned places, I will often give $1 or $2 for pick up.
There's a great Pho place down the street that's cheap; I have no problem supporting our local community like that.
by cutterinnj
Sat Nov 11, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reduces 529 Fees
Replies: 10
Views: 1364

Re: Vanguard Reduces 529 Fees

Huh? Vanguard is a for-profit brokerage and they are currently losing a price war to other fund providers who have been announcing their lower fees left and right. As for their 529 plan - they don't even offer the cheapest way to access Vanguard funds in a 529. 0.16% ER's for 529's are some of the ...
by cutterinnj
Sat Nov 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?
Replies: 11
Views: 775

Re: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?

From what I recall, the aquarium there was not that impressive (the water park, on the other hand, was phenomenal.)

Would just take a cab to the beach- much cheaper.
Nassau isn't that great of an island, and can be quite dangerous at night.
by cutterinnj
Thu Nov 09, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 1688

Re: How can I get my kids into Vanguard Primecap

Even if they can't do a Roth, they can still do a regular IRA, which is a great retirement vehicle.

Also, he could just use the Target Funds; not sure Primecap has an advantage.
by cutterinnj
Wed Nov 08, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37818

Re: Did you tell anyone you paid off your mortgage?

I always debate this in my heady. However, with mortgage rates so incredibly low (less than 3%), I feel bad about paying it off completely just yet.
by cutterinnj
Sun Oct 22, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7389

Re: How does/can Walmart offer such inexpensive prescriptions?

I am a physician (as are many on this Forum, I would suspect!). Walmart, KMart, and Target all have $4/month lists that they keep up to date with a wide variety of generic pills. The latest lists you can get from their websites. As some have mentioned, these are loss-leaders, to get you in the door...
by cutterinnj
Sun Oct 22, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7389

Re: How does/can Walmart offer such inexpensive prescriptions?

I am tired of having elderly patients trying to decide if they should pay for heating oil or their meds. I began buying drugs for my financially challenged patients a few years ago. I take no profit and give the meds at cost, or free. You are a very good person. However, be careful. That is technic...
by cutterinnj
Sun Oct 22, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2771

Re: how often to upgrade phone?

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Do you use it for anything more than making phone calls? I don't think it could do more than that at this point. There's frugal, then there's using obsolete tech...
by cutterinnj
Sat Oct 21, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 2714

Re: Where to park $100,000 safely for 2-3 years?

Follow up question-
Is there an analogous fund that you could park money in vanguard that is similar to an ally account ?
by cutterinnj
Sat Oct 21, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 5247

Re: Paying for medical school for son?

Is your son an only child? If so, why not allow him to start off debt-free in a career that will afford him FI at a relatively early age with opportunities to do whatever he wants in the field (charitable medical work, own practice, whatever)? +1 +2 Best thing my dad ever did for me. 10 years into ...
by cutterinnj
Sun Oct 15, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 44
Views: 3716

Re: Antivirus Software Recommendations

On the few windows machines we run, windows defender is all we use.

Personally, I've used a Mac since 2013, and have never worried or thought about viruses.
by cutterinnj
Thu Oct 12, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2633

Re: Going First Class

Never done a first class flight; don't quite understand it.
I can watch the Netflix shows I downloaded to my phone sitting semi-reclined almost as well as I can fully-reclined.
Would rather take the money and have a nice meal (or 10) later.
by cutterinnj
Mon Oct 09, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15845

Re: Hope I'm not unwittingly wading into anything here...

Bogleheads: Folks who wish to optimize their financial portfolios by removing waste

MMM: Hippies who also follow Bogle.
by cutterinnj
Sun Oct 08, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1678

Re: What do you do with your empty inkjet cartridges?

We have a computer recycling shop not too far from us.
I drop off all consumed or broken electronics goods there

Ink carts I will either bring there or staples- staples used to give a small return for each- but now only do that if you buy a lot from them.

Still better than a landfill
by cutterinnj
Sun Oct 08, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2932

Re: Amazon Fresh & the value of your time

Update on our delivery today; (we've been getting 2 deliveries per week for approximately the past 4 months.) It is so nice to be able to get your groceries Sunday morning! USPS has pretty much always delivered on time. We are also glad that they are delivering more Whole Foods products; our closest...
by cutterinnj
Sat Oct 07, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7398

Re: Tips on Uber

Do people usually tip on Uber? How much? How, cash or on the app? No, I never tip. The cost of running a business should be built into the sticker price. So do you not tip at restaurants? Not tipping isn't the answer to this. The drivers don't get to choose whether or not to build in a tip. If you ...
by cutterinnj
Wed Oct 04, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: TV DVR Dilemnia: OTA or Satellite
Replies: 11
Views: 1024

Re: TV DVR Dilemnia: OTA or Satellite

Consider a trial of hulu.
It had a lot of shows which aren't on Netflix.
by cutterinnj
Wed Oct 04, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15615

Re: MoviePass-Too good to be true, but it's legit.

Is there an easy way to start and stop service? Like if I only want it for December?
A bunch of films I would see in December...
by cutterinnj
Sun Oct 01, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2932

Re: Amazon Fresh & the value of your time

We have switched to using Amazon Fresh for ALL of our grocery needs. It is truly wonderful It is cheaper than our Shoprite. There have been some "quirks" in its use- they may forget something or pack something in a weird way. However, EVERY time they make a mistake, we call, and they give us credit ...
by cutterinnj
Sat Sep 23, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 2076

Re: Anyone used Amazon to buy household goods

We get pretty much everything from Amazon

Amazon fresh delivers all our groceries.

It's generally cheaper than shop rite, not even taking account the time saved.

We also get 5% back on all Amazon purchases with our Amazon card.
by cutterinnj
Thu Sep 21, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2527

Re: Time for a new laptop?

I moved over to Macs in 2013, having never used them previously. My Macbook air is now over 4 years old and runs great (actually faster than the day I bought it.) Minimal upkeep, never crashes. If you MUST use Windows apps, then just buy another Windows laptop- they're cheap, and it's cheaper to jus...
by cutterinnj
Sat Sep 16, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26597

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ... https://www.consumercellular.com/Products/821/Details ....but it's locked unti...
by cutterinnj
Sat Sep 16, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26597

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? You can't get it unlocked for $150; you can get it for $105 from SimpleMobile (TMobile), $140 for an AT&T Network, and $200 (maybe less?) for a Verizon network. After a year, y...
by cutterinnj
Sat Sep 16, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26597

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ... https://www.consumercellular.com/Products/821/Details I've seen the SE as chea...
by cutterinnj
Tue Sep 12, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26597

Re: Iphone X is $1000

iPhone X has some really cool things but it's too new. Give it a year; the iPhone XS, XI, or whatever they call the next one, will likely have most of the bugs ironed out. Plus, OLED screens should be cheaper by then. I'm quite happy with my 6S, and will continue to use it for at least another year ...
by cutterinnj
Thu Aug 17, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16972

Re: Lost $7000 today in ONE DAY!

A related question

Is there a way to buy more funds (vtsax, for instance) at vanguard WITHOUT looking at the balance?
It would psychologically help to not see it.

I know it's down.
I know I should buy.
But I really don't want to see how much it went down.
by cutterinnj
Thu Aug 17, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Magic Formula
Replies: 6
Views: 1160

Re: Magic Formula

The author has one of those cute little "books of investing" (John Bogle has one too)

I read it in 2006 and liked it. It was before I had money to invest. I planned on trying it but then never got around to it.
Glad I didn't
by cutterinnj
Sun Aug 06, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2207

Re: Trip to Maine

Literally just drove back from our Maine trip. with me, wife, 4 and 6 year old girls First 4 nights stayed in Kennebunkport; went on a 2-3 hour lobster cruise, walked around town, went to Ogunquit and some nature walks. Ogunquit was nice; use Uber to get around the town after parking your car and do...
by cutterinnj
Fri Aug 04, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 719

Re: Karaoke machine/system for home use

A different option would be a more multi-purpose machine with software; you can do this much less expensively vs a dedicated Karaoke machine. For example, we own a Playstation 3 which we bought for $200 about 5-6 years ago, and bought a piece of software called "Singstar"; it has microphones and a b...
by cutterinnj
Tue Aug 01, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 7063

Re: Can I afford it ? [A new car]

Also, why is everyone jumping to Lexus? Lexus is not the best bang for your buck at 50-60k. At that price range, the Audi A6 and BMW 5 series are all better cars than the Lexus GS. But stating that the A6 and 5 Series "are better cars" at a price point is just as subjective as someone recommending ...
by cutterinnj
Sat Jul 29, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 7063

Re: Can I afford it ? [A new car]

You can afford it, but let me ask you this- what does it truly do for you? I have a 2007 Lexus ES350- not an ultra-luxury car, but still considered (by many) to be upscale to low-end luxury; regardless, it looks pretty nice, and is very smooth. (Also pretty reliable, although I had to just get a new...
by cutterinnj
Thu Jul 27, 2017 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 1556

Re: Returning to College - Looking for Financing Advice

Do you need to go to a top 5 program, or do you merely need the MBA credential to advance?

If it's the latter, you could do a part time MBA for about 30k and spread it out over several years (and still work), which should have minimal effect on your finances
by cutterinnj
Sun Jul 23, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for xfinity
Replies: 6
Views: 772

Re: Is this a good deal for xfinity

We pay $70 per month for fast internet (200mbps), basic HD cable, HBO (including streaming) and Showtime (including Streaming. Xfinity will throw free HBO into just about any basic plan- that's all you need for GOT. add in Netflix or something for $10, and the extra $90-100 they want you to pay seem...
by cutterinnj
Sun Jul 23, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 11286

Re: Is Amazon Prime worth it?

OP, I think as with other memberships and credit cards with annual fees, it's only worth it if you're going to use it a lot. I don't think it's prices anymore that makes Amazon competitive to brick and mortar stores, but rather a wider selection of products. Another benefit with Amazon Prime is bei...
by cutterinnj
Sat Jul 22, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 11286

Re: Is Amazon Prime worth it?

100% worth it. We order just about everything from Amazon, and get it in no more than 2 days. No having to drive or put the kids in the car. Customer service is second to none- they refund you for pretty much anything, no questions asked (and often don't even want whatever it was back.) Over the pas...
by cutterinnj
Sat Jul 22, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 25001

Re: Netflix, Your Current Favorite Show

Netflix things I'm watching now: Orange is the New Black Season 5- it's a bit out there at this point, but entertaining Master of None Season 2: Aziz Ansari; acting is maybe a bit off by the supporting characters, but a good show Schitt's Creek: Finished what was on Netflix recently; waiting for mor...
by cutterinnj
Sat Jul 15, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5699

Re: Cutting the Cord: Who's Best?

We have Netflix and hulu- we use Netflix way more, but we have family members who use our Hulu so we've kept it We have Amazon prime like just about everyone else, so we get that streaming service too. We have basic Comcast cable only because they won't sell us internet alone (they actually will, bu...
by cutterinnj
Thu Jul 06, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 15686

Re: Are you finding any good values at Amazon anymore?

Amazon offers the same (and in some cases, the lowest) prices on thousands of items; the main benefit is they ship it to you for free, next day. They make things incredibly easy to order from, and offer an easy way to give gifts (safer than handing cash, and almost as versatile.) Over the past few w...