Search found 147 matches

by cutterinnj
Wed Apr 12, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2227

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: 2836

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: 7634

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: 2919

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: 7634

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: 6596

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: 10033

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: 27
Views: 2883

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: 27
Views: 2883

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: 27
Views: 2883

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: 7634

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: 1744

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: 7634

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: 7634

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: 7634

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: 7634

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: 713

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: 7501

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: 5610

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: 24937

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: 5012

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: 3370

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: 3370

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: 3370

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: 3370

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: 2235

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: 2779

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: 2779

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: 2779

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: 4156

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: 1650

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: 15400

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: 2924

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: 4654

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: 1627

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: 1627

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: 2339

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: 10925

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: 10925

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: 10925

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: 2854

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: 8214

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: 7593

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...
by cutterinnj
Mon May 30, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 7593

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...) It has more to do with parents/family involvement than anything; if you encourage your children to learn, any school is probably fine. Private schools li...
by cutterinnj
Sun May 29, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Physician Leadership Courses--Worth it? Is it feasible?
Replies: 3
Views: 688

Re: Physician Leadership Courses--Worth it? Is it feasible?

Having family members in the field, this topic comes up... Here is the best resource to answer your questions and explore training, career path etc: http://www.physicianleaders.org/ Seconded that. The 5 day "Physician in Management Course" was good to get a taste. The finance/accounting c...
by cutterinnj
Thu May 26, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Funding 529's vs taxable after 401k/IRA's
Replies: 5
Views: 608

Funding 529's vs taxable after 401k/IRA's

After one maxes out all possible retirement funds (401k's, IRA's), is there a reason NOT to fund 529's instead of investing in a taxable account? Assuming that your children do not use the full amount, you could take a distribution for anything you'd like (including retirement) with a small penalty....
by cutterinnj
Sun Apr 24, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?
Replies: 24
Views: 4157

Re: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?

Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) has a 5 year return of about 5% annually, and is tax exempt. Seems like a good option. Careful, the SEC yield is only 1.46% now. How much of that total return do you think came from falling yields? I will admit some ignorance on this...
by cutterinnj
Sun Apr 24, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 5900

Re: Physician Specialists Looking for career advice

I think this really depends on the specialty. For instance, cardiologists are all pretty much owned by hospitals now. Tons of cardiology private practices have gone out of business/sold out to local hospitals in the past decade; it's just not possible for cardiologists to practice on their own. Othe...
by cutterinnj
Sun Apr 24, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 5451

Re: How many "subscriptions" do you have?

We have a bunch. Costco (via Groupon deal. Pretty cheap.) BJ's (may get rid of that one; only have as Costco is pretty far from us.) Netflix Hulu (via a card I got from eBay for cheap. Will probably keep when I need to pay full price, though.) Amazon Prime (my wife likes the service, so we use the v...
by cutterinnj
Sun Apr 24, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?
Replies: 24
Views: 4157

Re: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?

Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) has a 5 year return of about 5% annually, and is tax exempt.
Seems like a good option.

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