Search found 724 matches

by gasman
Sat Nov 16, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 150
Views: 11639

Re: Best thing you have ever bought?

labrador puppy
by gasman
Tue Nov 05, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Can you ever find decent flight deals during peak seasons (Christmas, Spring Break, etc.)?
Replies: 10
Views: 917

Re: Can you ever find decent flight deals during peak seasons (Christmas, Spring Break, etc.)?

I have flown Christmas day and Easter Sunday. Prices were good and airports had very light crowds. Other than that no deals to be had.
by gasman
Mon Nov 04, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3125

Re: Transporting elderly parent state-to-state

https://flyingnursesintl.net The above is one of several companies that do this. Used once. Worked great. Way cheaper than air ambulance. Thank you for the link. Looks interesting. May I ask the age/condition of the patient, and the length of the flight? Late 70s. Recent stroke. The RN placed a bla...
by gasman
Mon Nov 04, 2019 8:31 am
Forum: Personal Investments
Topic: Cash to Intermediate Treasuries Now?
Replies: 7
Views: 905

Re: Cash to Intermediate Treasuries Now?

I find it mentally hard to extend maturities, taking on interest rate risk for less yield than I can get with a money market fund.
by gasman
Fri Oct 25, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3125

Re: Transporting elderly parent state-to-state

https://flyingnursesintl.net

The above is one of several companies that do this. Used once. Worked great. Way cheaper than air ambulance.
by gasman
Sat Oct 12, 2019 2:42 pm
Forum: Personal Investments
Topic: Allan Roth and Bill Bernstein fixed income portfolio?
Replies: 51
Views: 6059

Re: Allan Roth and Bill Bernstein fixed income portfolio?

Can anyone address the tax implications of someone in a 35% tax bracket having the majority of their fixed income % in CD’s ? They are several variables to consider. Assuming that you are taking about CDs in a taxable account... -CDs are subject to state income taxes. Munis may or not be depending ...
by gasman
Mon Oct 07, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Malpractice Tail Coverage - Difficult Decision?
Replies: 9
Views: 977

Re: Malpractice Tail Coverage - Difficult Decision?

why do you consider ISMIE to be a "better company"

consent to settle?
willingness to fight?
panel of attorneys?
financial strength?
by gasman
Sun Oct 06, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Asset protection
Replies: 34
Views: 3232

Re: Asset protection

Assuming that you have a low liability profession, have her title all assets outside of retirement assets in your name.
by gasman
Sat Sep 28, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 988

Re: Aruba in Dec

Virtually always great weather. I second the airport taxi recommendation.
trike tour was my favorite thing when not lying on the beach.
by gasman
Fri Sep 06, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to add new partners?
Replies: 7
Views: 602

Re: Is it bad to stop offering partnership to new physicians?

If you go this route, you might get a lower level of devotion to work from the employee docs than you have traditionally experienced from partners and partnership track docs.
by gasman
Wed Sep 04, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest
Replies: 56
Views: 5970

Re: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest

Could you comment about investing in a world awash with negative yielding sovereign debt.
by gasman
Sat Aug 17, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3844

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

I used to live n a state where possession after closure (up to 30 days) was customary. Like everything else it was negotiable.
by gasman
Sat Jul 13, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7844

Re: I think i can spend 30k on this vacation, but wife not sure

you can save in the cost of the trip if you fly business class and the wife flies coach. ;)
by gasman
Sun Jul 07, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Verizon iPhone international trip
Replies: 37
Views: 2508

Re: Verizon iPhone international trip

Spouse is taking a trip to Europe and has an iPhone 7 with Verizon. She'll mostly use it for texting, FaceTime, maybe checking voicemail. What precautions should be done to limit the size of the bill? If it's only an extra few bucks not a big deal, she just doesn't want to get slammed with a ~$100 ...
by gasman
Sat Jul 06, 2019 7:06 am
Forum: Personal Investments
Topic: High income investor NOT using municipal bonds?
Replies: 14
Views: 1999

Re: High income investor NOT using municipal bonds?

Another possible reason: One is willing to pay up for the extra safety of Treasurys vs highest quality munis.
by gasman
Sun May 26, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Question about health insurance exchanges NY
Replies: 1
Views: 251

Question about health insurance exchanges NY

My daughter (22yo) is graduating college and moving out of state to NYC. She is covered by our family plan which is only has a local network. Nothing in NY. She is generally healthy, but anticipates spending several years in NYC. She will become a NY resident this summer. Are there any issues with a...
by gasman
Sun May 26, 2019 4:48 pm
Forum: Personal Investments
Topic: Shorter duration of munis?
Replies: 16
Views: 1199

Re: Shorter duration of munis?

I only extend maturities if rewarded for doing so. Hence new money to muni bonds has been going to Vanguard short term. That said, no way that I would take a capital gains tax hit in one Vanguard muni bond fund to move the money to another muni bond fund. I do harvest losses in exactly this way thou...
by gasman
Fri May 03, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: college kid and health insurance
Replies: 20
Views: 900

Re: college kid and health insurance

Our reality is that our students only used emergency care when away at school. Otherwise, well-care (dental, vision, immunizations, physicals) were all done when they were back home from school. Both our kids just stayed on the plan we had although in one case we had to convince the school not to c...
by gasman
Fri Jan 18, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 3749

Re: NJ EZ-Pass Why a monthly service fee?

Because they can.
by gasman
Wed Jan 16, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: canvas floor cloths for kitchen
Replies: 3
Views: 484

canvas floor cloths for kitchen

We just redid our kitchen floor with hardwood and are looking for a good looking customizable, readily cleanable product for under the table. We are hard on our stuff: kids, dogs, spills, sliding chairs, et al. Thinking about some type of canvas floor cloths. Has anybody had experience with these or...
by gasman
Thu Jan 03, 2019 11:23 am
Forum: Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6491

Re: Delaying retirement just to help adult children

Some people derive emotional sayisfaction from helping their children and grandchildren. Delaying retirement to assist a child with their childcare expenses or fund a grandchild’s private schooling is something that gives some people a sense of accomplishment and purpose.
by gasman
Tue Dec 11, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 3035

Re: Who is buying SCV, EM, Intl SC

been doing tax loss flipping between international small and International small value. SCZ and GWX. Currently waiting for the December distributions to pass and will toss a chunk of money that way.
by gasman
Mon Oct 01, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 101
Views: 31864

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I have been dutifully building a TIPs ladder of individual securities over the last 5 years by buying individual 10 year TIPS at auctions. Given the shape of the yield curve, I have been thinking about chucking it and putting the whole lot into VTIP. Thoughts?
by gasman
Sun Sep 23, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: NYC weekend house: your experiences?
Replies: 22
Views: 3975

Re: NYC weekend house: your experiences?

If I had a choice, I would do the reverse. Live in Westchester or Long Island and keep an apartment in the city for weekends.
by gasman
Sun Sep 16, 2018 7:02 pm
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 6021

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harbo...
by gasman
Wed Sep 05, 2018 6:25 pm
Forum: Personal Investments
Topic: Treasury Direct has awesome phone support! Thanks!
Replies: 21
Views: 1990

Re: Treasury Direct has awesome phone support! Thanks!

The only thing I consider a problem area is the website. More than once (apparently I am a slow learner) I have had to start over after using a browser's back button. :oops: Honestly, the vast majority of my Savings Bonds are in paper format, and I only use Treasury Direct to check on a few bonds I...
by gasman
Tue Aug 21, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1568

Re: Do Universities "Bait and Switch" Financial Aid?

No there is no bait and switch. However if student doesn’t keepgrades up, they can lose aid. +1 This happened to DS. The grade point requirements were clearly explained from Day One. Fortunately, his school allows a student to appeal to have his FA continued if he loses it due to GPA. DS successful...
by gasman
Sat Aug 04, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 8212

Re: The stock market is shrinking.

1. Why is the number of publicly trade companies shrinking?
2. What can/should an investor do other than diversify as widely as possible?
by gasman
Wed Jul 25, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2474

Re: Pet burial

Pets are family members. It is a purely emotional/personal issue. We had our dog cremated and buried his ashes by the mailbox which he peed on daily multiple times on our walks and journeys to bring in the mail. As you are renters, consider cremation and placing his/her ashes in a favorite spot. Als...
by gasman
Thu May 31, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 21008

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

"Typically students who opt to join universities where they would be in Top 1% - 2% of the student body based on Grades/Test Scores/ECs get merit aid. Usually a student who has average stats for any university, will have to look at other universities 30 - 50 ranks below to become Top 1% - 2% of the ...
by gasman
Sat May 19, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 14926

Re: Helping Adult Children (but not too much)

As long as our kids are making good choices we help generously. She is working diligently and saving 20% in 401K, so we put $5500 in Roth IRA for her as reward. Generous birthday gifts. Pay her expenses whenever she wants to fly to see us, or attend family functions. Keep her on our cell phone plan....
by gasman
Tue May 15, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: sharing cars with two kids home from college?
Replies: 25
Views: 2062

Re: sharing cars with two kids home from college?

Depending on timing, Have kid take you or wife or both to work before doing their thing with the car and then pick you up when done.
by gasman
Thu May 03, 2018 4:59 am
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 42
Views: 4624

Re: Stock Buybacks as a Global Trend?

Is there any data about the nature of buybacks? I.e., How much of them actually go towards reducing the amount of shares outstanding vs. preventing or mitigating the effect of dilution of stock grants and options packages?
by gasman
Mon Apr 30, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 3009

Re: 3 days in London - must dos?

Agree with British Museum, changing guard at Buckingham palace and boat ride down Thames. Would add Churchill museum.
by gasman
Sun Apr 22, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: 2011 Acura RDX
Replies: 11
Views: 1629

Re: 2011 Acura RDX

Only complaint is that Acura dealer service seems to be more costly than Toyota and Honda service for similar service. I suspect that it is an upcharge for the luxury brand name. Why not just take it to a Honda dealer for service? Seems to get mentioned a lot on BH that a big advantage of Acura/Lex...
by gasman
Sun Apr 22, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: 2011 Acura RDX
Replies: 11
Views: 1629

Re: 2011 Acura RDX

Happy with my 2012. It is low mileage though. Only complaint is that Acura dealer service seems to be more costly than Toyota and Honda service for similar service. I suspect that it is an upcharge for the luxury brand name.
by gasman
Thu Apr 19, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 7571

Re: Factor in evaluating Physicians

Hey,

I am on the list. $47 for bagels and Panera sandwiches from several drug/device companies.
by gasman
Mon Apr 02, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 17339

Re: What age is the best to give a child control of an inheritance?

Our trusts dictate 1/3 at age 30. 1/3 age 35. 1/3 age 40.
by gasman
Mon Mar 26, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 8087

Re: Question for physicians-- is my taking call worth it?

See if you can come up with a mechanism to give away the call within the group for those who are hungry enough to pick it up. S maybe you do it just 3-4x per year. Craft a mechanism where the amount of notice that you have to give to not do this anymore is defined. A day is going to come where you s...
by gasman
Sat Mar 24, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 11906

Re: I’m looking for a word...

herd mentality.
mob mentality.
by gasman
Sat Mar 10, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10507

Re: Boglehead contradiction, constant asset allocation is market timing

Rebalancing is not market timing. It is a bet on mean reversion. Which I guess, could be described as a form of market timing. Eating a PB&J could be described as a form of market timing if you defined market timing to include eating jelly sandwiches. I guess one should have a useful definition. As...
by gasman
Sat Mar 10, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10507

Re: Boglehead contradiction, constant asset allocation is market timing

Rick Ferri wrote:
Wed Mar 07, 2018 8:54 am
Rebalancing is not market timing.

It is a bet on mean reversion. Which I guess, could be described as a form of market timing.
by gasman
Mon Mar 05, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 17400

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

I am mystified as to why this forum seems to worship Swedroe when he is continually changing course and recommending new portfolios that are supposed to give the investor some advantage. The portfolios are based on academic research which is, in turn, always based on backtesting, since no one can r...
by gasman
Sat Mar 03, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11857

Re: How does one emotionally keep it together during market swings?

Sell down to the sleeping point. I have always felt better after adjusting my IPS downward on equity ownership.
by gasman
Fri Feb 23, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 4748

Re: How to pay partners for working your call

jacoavlu wrote:
Fri Feb 23, 2018 10:30 am
gasdoc

I'm curious how the national company comes in? Do they come to your group and make a friendly offer? Or go to the hospital for the contract, and then come to you?
You will be assimilated. Resistance is futile.
by gasman
Wed Feb 21, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: two year treasury instead of 2 year cd?
Replies: 9
Views: 2108

Re: two year treasury instead of 2 year cd?

you are not missing anything. The treasury is a better deal.
by gasman
Fri Feb 09, 2018 5:47 am
Forum: Personal Investments
Topic: Wine Investment
Replies: 28
Views: 3644

Re: Wine Investment

“What is man, when you come to think upon him, but a minutely set, ingenious machine for turning, with infinite artfulness, the red wine of Shiraz into urine?”
―Karen Blixen
by gasman
Thu Feb 08, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 174
Views: 22604

Re: 30 yr tips auction 2/15: 1.0% yield?

Dudley wrote:
Thu Feb 08, 2018 7:52 am
No. But I'm drawn to the 5yr TIPS at >0.5%
yup. been nibbling in this range.
by gasman
Mon Feb 05, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 13150

Re: Rolex

My understanding is that rolex limits the floor that retailers are not allowed to sell new watches below. I believe that they are free to mark up above that. For used watches, that does not apply. Consider buying out of state and shipping to save on state sales taxes. If you buy, Save your box, rece...