Search found 182 matches

by cutterinnj
Thu Aug 17, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 169
Views: 12087

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: 921

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: 1862

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: 614

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: 6108

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 rec...
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: 6108

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: 1384

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: 695

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: 128
Views: 8864

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: 128
Views: 8864

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: 23654

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: 5053

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: 13691

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...
by cutterinnj
Sun Jul 02, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: What happens if the fund provider goes bankrupt?
Replies: 12
Views: 1510

Re: What happens if the fund provider goes bankrupt?

Hello everyone, So, lately I've been trying to get a better idea of the safety of my investments and the probability of losing them. I invest in ETFs through a broker and, as far as I could understand until now, if the broker goes bankrupt, my investments are safe because they're still in my posess...
by cutterinnj
Sat Jul 01, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3816

Re: FIREcalc says I can retire. Should I ?

Is there an easy, part time position you can get that will pay for health care?
by cutterinnj
Thu Jun 29, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2248

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by cutterinnj
Wed Jun 28, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2248

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by cutterinnj
Wed Jun 28, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 11903

Re: Luxury Car

Not really "luxury" but still pretty nice; I buy used Lexus ES's that are 5-7 years old; they are at the optimal part of the depreciation curve, so they are relatively cheap; they are based on the Camry, so they are very reliable, and cheap to maintain. They drive smoothly (albeit boring) ...
by cutterinnj
Tue Jun 27, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2202

Re: Cruise With The Grandkids

We love cruising. We've taken our kids on plenty, including NCL, Royal Caribbean, Princess (NOT FOR KIDS!), and just came back from MSC. We would love to do Disney, but the price is astronomical compared to anything else. We (the 4 of us) just did MSC Divina out of Miami on a part of the ship called...
by cutterinnj
Sun Jun 25, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3697

Re: Worthwhile TV programming?

I picked up Netflix but my god, it's full of crap once a viewer has finished every episode of Mad Men, Breaking Bad and the like wish I didn't agree but I do. I've subscribed to it more then once for a month at a time but found myself scrolling through 100s of things that were less then appealing s...
by cutterinnj
Sun Jun 25, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3697

Re: Worthwhile TV programming?

Funny raunchy adult comedies (not for everyone... but absolutely hilarious)

Archer- Hulu and Netflix
It's always sunny in Philadelphia- Hulu and Netflix
Schmitt's Creek - Netflix
South Park - hulu
by cutterinnj
Sun Jun 25, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 1015

Re: HP Laptop - Black Screen - Help

As one poster here suggested, connect an external monitor to the laptop's monitor port. If you see a display there, then this tells you that the laptop is at least booting up and that there is a hardware problem with the laptop's display. In that case, two possibilities come to mind: (1) you have l...
by cutterinnj
Sat Jun 17, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3941

Re: Suggestions for password storage services?

I use Apple iCloud passwords.

Downside is it only works on my Mac.
by cutterinnj
Sat Jun 17, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3116

Re: Metropcs iPhone SE $200

Actually, even better; Walmart has the iPhone SE for $159 with Straighttalk, which is also AT&T; the phone may also work on any AT&T network as well (Cricket.)

Would go with that.

https://www.walmart.com/ip/Straight-Tal ... 3=&veh=sem
by cutterinnj
Sat Jun 17, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3116

Re: Metropcs iPhone SE $200

My MIL is with Straighttalk Wireless. Cricket, just like Straighttalk, uses AT&T; any AT&T phone will allow you to continue on Cricket. I bought her the iPhone SE 32GB for $200 from the AT&T store, slipped the sim card into it, and used it without any fuss. Would recommend just getting t...
by cutterinnj
Sun Jun 04, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 22
Views: 2349

Re: Edward Jones

3redgeraniums wrote:I have been advised to go with Edward Jones to take care of all my financial needs as I prepare to retire.
I am 65. My net worth is $173,000.
Is this a wise move?


There is no reason to ever use Edward Jones. I can think of no circumstance where using EJ would be a "wise move."
None.
by cutterinnj
Sun Jun 04, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13383

Re: High Income Earner Humbly Seeks Advice

I just received in the mail a very nice flyer of a new dental practice in town. The photos used were of the dentist, their spouse, and their adorable children all with fantastic smiles! I bet those kids got paid modeling fees for this bit of marketing. I have heard of dentist doing it for their pra...
by cutterinnj
Sun Jun 04, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13383

Re: High Income Earner Humbly Seeks Advice

How old are your children? How are you putting 5k into Roths for them?

I have 4 and 6 year olds and wanted to start funds for them, but my accountant (and the folks here) told me it would be illegal unless they are truly doing 5k of work, which is hard (impossible?) to do for a 6 year old.
by cutterinnj
Sun May 07, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3565

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: 8227

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: 3131

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: 1239

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: 3804

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: 3680

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: 5754

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: 2528

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: 3491

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: 8867

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: 3166

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: 8867

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: 99
Views: 8100

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: 10875

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: 5754

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: 5754

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: 5754

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: 8867

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: 2148

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: 8867

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: 8867

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: 8867

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...