Search found 154 matches

by cutterinnj
Sun May 07, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3102

Re: Swing Set 2700.00??

We have one from Creative Playthings which we got around 5 years ago; I think it was around 3k, including installation. Interestingly, it was installed by a single person (!!!) who took most of the day. Pretty nice wood, with a little clubhouse at the top (with slide.) I'm guessing you can get it us...
by cutterinnj
Sat May 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7214

Re: Stay home with kids?

I've been in a bit of an existential crisis lately, and I'd like to hear the Bogleheads' thoughts. Some background on our situation: ⋅ 2 working parents in their late 30s ⋅ 2 young kids, 1 in full-time preschool and 1 school aged ⋅ $6MM savings (windfall), $550k/yr inc...
by cutterinnj
Sat May 06, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2736

Re: Honda vs. Mazda vs. Ford

I'm not sure it makes sense to buy new. I bought a used Lexus ES 350 ( essentially a more comfortable Camry) with about 60,000 miles on it for right around 15,000. New it would be about 35,000. Four years later, it has had minimal amount of work and runs great. I can't imagine I would've gotten 20,0...
by cutterinnj
Fri May 05, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1007

Re: Does Your Doctor Take Funds From Drug Companies?

This is largely meaningless. I "took" $486 last year. I can assure you that I did not take one penny from any drug rep Drug reps stop by and drop off a plate of sandwiches or a few pizzas for my staff. They then put my name down with their company to prove that they did not embezzle the mo...
by cutterinnj
Tue May 02, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3358

Re: Buying a diamond ring

Bought one from Blue Nile 8 years ago.

No fuss, no muss; very nice gem.

"Appraised" for 6k higher by a local Zales
by cutterinnj
Sun Apr 30, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3380

Re: Deceptive Billing by Dermatologist?

This sounds like insurance fraud (could be wrong, INAL). At the very least, a letter to your state's medical licensing board may be in order. This is an absolutely horrible idea. Starting off by going directly to the state medical licensing board is an extremely upsetting and devastating experience...
by cutterinnj
Thu Apr 27, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 5319

Re: 529- should I stop contributing?

Thank you for the input and the interesting discussion. My original plan was to one day have a "perpetual education trust fund" to pass on to future generations. I now wonder if this may be akin to buying a Blockbuster Video franchise 16 years ago to ensure my family's future. I think leav...
by cutterinnj
Wed Apr 12, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2302

Re: Week in San Diego - What to do?

I'll be in San Diego for pleasure for 7 days. I will be traveling with DW and two children under 4. Other than Seaworld, San Diego zoo and the potential trip up to Disneyland, what is there to do? Any family friendly restaurants , beach, day-time activities, etc that you would recommend? My wife an...
by cutterinnj
Mon Apr 03, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Cheap, User Friendly Printer
Replies: 34
Views: 3006

Re: Cheap, User Friendly Printer

I have a Brother Inkjet.
I buy generic carts at about $2 each; probably cheaper than laser.
by cutterinnj
Thu Mar 16, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

That's incredible, ^^^, congrats. I thought I did well getting Dish Network from $82+/mo to $43+/mo. Could you elaborate on your TV package? How many channels? How many TV's? DVR? And what does it go to after 2 years, though I assume you'll move on anyway. Regardless you've done way better than mos...
by cutterinnj
Wed Mar 15, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Docs/Surgeons/ARNPs
Replies: 23
Views: 2958

Re: Question for Docs/Surgeons/ARNPs

Surgical Sub-specialist here; I get very angry whenever I read about uncompensated call. Don't forget that our time on this planet is limited; how much is it worth it to you to wake up, leave your house and family at 2 AM, drive to a hospital and possibly expose yourself to a communicable disease? T...
by cutterinnj
Wed Mar 15, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

I just completed my biennial Comcast negotiation, in an effort to "cut the cord". Bottom line: I "failed" to cut the cord, but I'm paying a heck of a lot less than many who do for a LOT of cable services! My family relies on Netflix, Hulu, and Amazon Prime (which my wife subscrib...
by cutterinnj
Wed Mar 15, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6798

Re: cost of Solar Power

You may wish to hold off.
Solar systems should be getting cheaper soon.
Also, Tesla will start producing them with more aesthetically appealing tiles rather than the black tiles you normally see which may diminish a house's value.
by cutterinnj
Wed Mar 15, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10191

Re: $464.12 dinner bill last night. No regrets.

This is actually not that expensive at all for 4 people! Regardless, not only have you EARNED it, but you SHOULD treat yourself on an at least semi-regular basis. Life is ultimately short; it's great to save and be a Boglehead, but ultimately, you need to enjoy life as well. Money needs to be spent ...
by cutterinnj
Sun Mar 05, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 5319

Re: 529- should I stop contributing?

You seem to regard $200k in an aggressive fund for two years longer than $100k in a super aggressive fund as equIvalent. I'm not sure that's the case. As for how much college will cost in a decade or two, I surely don't know, any more than I know what your kids' SAT scores will be, or if they're st...
by cutterinnj
Sun Mar 05, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 5319

Re: 529- should I stop contributing?

One of my goals is to cover my two children's education, regardless of what they want. To that end, I was aggressively contributing to their 529's for years. My 6 year old has 200k in a Vanguard aggressive fund, and my 4 year old has 100k in a Vanguard ultra-aggressive fund. I max out 401k, IRA, et...
by cutterinnj
Sun Mar 05, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 5319

529- should I stop contributing?

One of my goals is to cover my two children's education, regardless of what they want. To that end, I was aggressively contributing to their 529's for years. My 6 year old has 200k in a Vanguard aggressive fund, and my 4 year old has 100k in a Vanguard ultra-aggressive fund. I max out 401k, IRA, etc...
by cutterinnj
Sun Mar 05, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

Triple digit golfer wrote:Hi again all, OP here.

Would 10 mbps internet be adequate? Our house is just my wife and me, with a baby on the way, so at any one time the most devices we'd have streaming is two.



I BELIEVE that should be fine for 2 non-HD streams (3-4 mbps?)

Much beyond that might clog things.
by cutterinnj
Thu Mar 02, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 1849

Re: Price of a used Honda Odyssey

The LX model is the base. Most with kids prefer leather over cloth seats. A DVD system for long road trips and small kids is pretty nice. The Sienna will be a bit roomier but drive a little larger. The Odyssey is still roomy but will drive a bit different from the Sienna. Drive them. Figure out the...
by cutterinnj
Thu Mar 02, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

It is area dependent. We pay $50/mo for internet and $40/mo for PS Vue (luckily we're in a metro area that includes all the local major networks live plus cable networks), where we were paying $82/mo for Dish satellite. Doesn't sound like much, but we save $509/year and we're not bound by a contrac...
by cutterinnj
Thu Mar 02, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

I am all for cord cutting. However. Most here know, but to be sure - Netflix, Amazon Prime and Hulu are not programming replacements for cable or satellite TV, they are libraries of past TV shows and past movies with ZERO live content. If you're happy with nothing but TV & movie reruns, you can...
by cutterinnj
Thu Mar 02, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

This weekend we are going to pick up a Roku Premiere at Walmart for $79. My wife's friend has Netflix so we are going to log in to her account and give it a test drive. Assuming everything is operational and we're happy with it, bye-bye Comcast, hello AT&T $40/month internet and $12 Netflix. Ha...
by cutterinnj
Thu Mar 02, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7886

Re: Tell me about Smart TVs and cutting cable

I always ask, "what do you feel you NEED" before making drastic changes. Do you NEED local sports? Beyond that, there's very little that can't be replaced after cord cutting. My family transitioned to Netflix + Hulu + Amazon Prime (wife uses it for the shipping). We also have HBO Go, as we...
by cutterinnj
Sat Jan 07, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Direct TV Now introductory price ends Jan 8 - edit Jan 9
Replies: 5
Views: 729

Re: Direct TV Now introductory price ends Jan 8

Netflix is still $10. Hulu is $11 with no commercials. Youtube is free.
I can pretty much guarantee that there's more to watch on those three combined than Direct TV at $60 or even $35.
by cutterinnj
Sat Jan 07, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Doctors and retirement
Replies: 67
Views: 7634

Re: Doctors and retirement

While some doctors may spend that much during working years (kids, house, expenses, etc...) I can't imagine anyone would need 400k in retirement, assuming one isn't paying a mortgage anymore. Even a hugely extravagant 200k/year in retirement would mean that you would need 5 million in retirement sav...
by cutterinnj
Sat Jan 07, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5794

Re: Best printers for home use

Brother WIFI printers.

I think mine was about $50 or so; does scanning of multiple pages as well, which is a must.

I buy generic carts for probably $1-2.

Works great, and is compatibly with everything.
by cutterinnj
Sat Jan 07, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 25528

Re: Annual Vacation Budget

We likely spent around 30-35k in 2016 for a family of 4 (2 adults, 2 small children.) Had a good year financially; emotionally it was a mixed bag, where a good (young) friend died of cancer, and I realized that I need to live for today rather than just 30 years from now. Hopefully, the memories my f...
by cutterinnj
Mon Dec 26, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 5234

Re: Is it possible to graduate from college in 3 years?

For a student with enough AP credits, is it possible to graduate in ~3 years (with a bachelors)? I know the technical answer is yes, but do people actually do it? Examples would be great. Thank you Absolutely, yes. Depending on the school, certain AP classes may or may not be accepted. If you have ...
by cutterinnj
Fri Dec 23, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3565

Re: Should I Buy an IPhone 5S?

The cost difference is substantial though. A new Iphone 5S is only about $150, whereas a refurbished Iphone 6 is about $300, and a new Iphone 6 about $370. That's twice the price, so my thinking was, even if I am forced to switch to an Iphone 7 in three years (it will be an old model by then :D ) i...
by cutterinnj
Fri Dec 23, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3565

Re: Should I Buy an IPhone 5S?

What makes the Iphone 6 so much better than the Iphone 4? I only use my phone for the occasional call/text and simple apps. I don't really use it for surfing. I do use it to take quite a bit of pictures, and maybe the Iphone 6 has a far better camera? I'm just genuinely curious. I admit I've never ...
by cutterinnj
Fri Dec 23, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3565

Re: Should I Buy an IPhone 5S?

The cost difference is substantial though. A new Iphone 5S is only about $150, whereas a refurbished Iphone 6 is about $300, and a new Iphone 6 about $370. That's twice the price, so my thinking was, even if I am forced to switch to an Iphone 7 in three years (it will be an old model by then :D ) i...
by cutterinnj
Fri Dec 23, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 3565

Re: Should I Buy an IPhone 5S?

No. Not if you expect it to "last 6 years". the 5S is now 3 years old. Apple generally supports their devices for 5 years; 5S likely has 2 years before it won't support the new OS/apps. Also, the 6 and above have a larger screen; easier on the eyes. Would get a 6 or 6S at a good price poin...
by cutterinnj
Fri Dec 23, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do states that do not have income state taxes survive
Replies: 25
Views: 2284

Re: How do states that do not have income state taxes survive

NoGambleNoFuture wrote:Have you seen our property taxes?



Yes, I have; they're miniscule.
My dad has a huge house in West Palm, and his taxes are 1/2 what I pay in NJ.
NJ also has high income taxes and sales taxes.

I don't get it. Why would I stay in NJ one day longer than the day I retire?
by cutterinnj
Thu Dec 22, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2945

Re: Cappuccino/Espresso machine recommendations?

We bought a Nespresso Inissia bundled with the milk frother last year for $130. I no longer want to live a life without access to a delicious Shot of espresso anytime day and night. My brother bought one after visiting me and exclaimed it's made his life 15% happier. Now that I'm done with hyperbol...
by cutterinnj
Thu Dec 22, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2945

Re: Cappuccino/Espresso machine recommendations?

Nespresso is the best. Period. But be prepared for a $50/month bill. Thank you. As a follow-up, do you (or anyone) have experience with the generic pods? We've enjoyed the K-cups for 30 cents/cup or so (some are better than official K-Cups) and were wondering how the cheap generic Espresso cups fare.
by cutterinnj
Thu Dec 22, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2945

Cappuccino/Espresso machine recommendations?

My wife and I love our Keurig (we keep our mouths shut when the coffee snobs disparage it.) We use the San Francisco K-cups from Amazon and find that for the price/ease of use, nothing beats it when you just need a single cup. (The French press has become a weekend tradition.) I was thinking of gett...
by cutterinnj
Sun Nov 20, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 4188

Re: Would you buy a house for your college kid?

Absolutely would not do this first year;
first year should live in dorm, experience freshman life, and, most importantly, make sure he doesn't fail out!

Only reason to do at first would be if it guarantees you (and is only way of guaranteeing you) in-state rates.
by cutterinnj
Sun Nov 20, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Next-Generation Streaming Service for TV/Internet
Replies: 11
Views: 1677

Re: Next-Generation Streaming Service for TV/Internet

I read something about companies looking into using power lines; they would put some sort of powerful router-like device on power-lines, and you would then have a corresponding router in your home feeding off of it; no extra cables needed. I think AT&T may have been one of the companies looking ...
by cutterinnj
Sun Nov 06, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 105
Views: 15567

Re: How much do you plan to save in your 529 plan?

Can someone define what a "2nd tier expensive private college" is? Names for example? Well, this is an easy way to offend large numbers of alumni, but here are some examples often considered to fall in this group: + Northwestern + Middlebury + Rice + Johns Hopkins + Emory + Tufts Those sc...
by cutterinnj
Sun Sep 25, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2980

Re: 2016 Honda Odyssey - which model?

We bought a new Touring Elite in July, coming from 2007 EX-L with Res/Nav. The bottom line was my wife has OCD, and the Honda Vac was a necessary (and she LOVES it.) With kids, the video system is great; yes, you can hand them ipads, but she likes to have control of this in the car, and not have to ...
by cutterinnj
Fri Aug 05, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of Morgan Stanley and into... Vanguard? (Plus next steps?)
Replies: 24
Views: 4690

Re: (31, single) Moving $2M out of Morgan Stanley and into... Vanguard? (Plus next steps?)

I just want to congratulate you on being 31 and having over 2.5 million dollars! Wow!

I would echo that Vanguard is a great place, assuming your expense ratios at MS are significantly higher.

At the amount you have, you can pretty much retire now (or pretty close to it.)
by cutterinnj
Fri Aug 05, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving edward jones
Replies: 22
Views: 1640

Re: Leaving edward jones

Fidelity does have low-ER index funds and Index target date funds if you search carefully. Their regular target date funds are not index and not cheap, so watch out for them! One thing I will mention about those Fidelity freedom funds; it looks like they have very high expense ratios (.77%). You ma...
by cutterinnj
Fri Aug 05, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving edward jones
Replies: 22
Views: 1640

Re: Leaving edward jones

One thing I will mention about those Fidelity freedom funds; it looks like they have very high expense ratios (.77%). You may want to look into Vanguard; the comparable funds have .16% expense ratios.
by cutterinnj
Mon Jul 18, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pursue my MBA?
Replies: 33
Views: 2385

Re: Should I pursue my MBA?

I am currently in an online MBA program at University of MA (Isenberg.) This program has somewhat of a specialty in catering to doctors; for that, it is pretty decent. I take 1 class at a time (total of 11) online, and my degree will not designate that it is online. It's also cheap for an MBA (less ...
by cutterinnj
Thu Jun 02, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 11131

Re: Cutting cable cord...

You got that right! 24 months, then it sky rockets. So, 23 months and 20 days I pour myself a nice large glass of wine and go online to chat with them and "renegotiate". Usually they throw in 6 months of Showtime or something else as well; but ALWAYS remember to chat or call to cancel/ren...
by cutterinnj
Thu Jun 02, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 11131

Re: Cutting cable cord...

I don't see how people are completely cutting the cord in most parts of the country. Our only "choices" for internet are Comcast and DSL; DSL is not really fast enough to be a 2016 option. After speaking with Comcast, we could either have internet for $60/month, or fast internet plus basi...
by cutterinnj
Thu Jun 02, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 11131

Re: Cutting cable cord...

I don't see how people are completely cutting the cord in most parts of the country. Our only "choices" for internet are Comcast and DSL; DSL is not really fast enough to be a 2016 option. After speaking with Comcast, we could either have internet for $60/month, or fast internet plus basic...
by cutterinnj
Thu Jun 02, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Self Driving Cars
Replies: 51
Views: 2881

Re: Self Driving Cars

To all those saying that it will take many decades for self-driving cars to become prevalent: The first iPhone/smartphone was released in June 2007 (less than a decade ago). How many people in the world have smartphones today? If there's a demand for the technology, it will spread like wildfire. Th...
by cutterinnj
Mon May 30, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 27
Views: 8416

Re: Roku - Does everything cost $$?

I wonder if anybody could help me. I am thinking of buying Roku 4, but I have two TV's in different rooms. Do I have to buy two Roku boxes and if so, if I subscribe to Netflix and Hulu etc, do I have to subscribe separately for each box, or will one subscription work for both TV's? Thank you. While...
by cutterinnj
Mon May 30, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 7649

Re: Private school? Any regrets?

I can't imagine this means anything in 2016. Today, you can learn pretty much anything online quite easily (Khan Academy, Open Courseware, etc...). means nothing, I don't even know what you are trying to say. I'm saying that with today's commoditized online resources, a motivated person can learn w...

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