Search found 88 matches

by jambadoc
Sat Aug 01, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3363

Re: best mesh wifi system on the market?

Will a mesh wifi system work with FIOS router? I have a router in lower level but get spotty signal in back of the house. The Fios unit you have will still work as a modem so you can't get rid of it. Generally you place your cable router in "bridge mode" which essentially disables the stock router'...
by jambadoc
Sat Aug 01, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3363

Re: best mesh wifi system on the market?

We got the Orbi and it works great. No issues at all for about 5 years. It's night and day better than previous wireless routers I've had
by jambadoc
Sun Jul 05, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5771

Re: Boglehead Way to buy an Audi

There's only one correct answer here. Buy 2-3 Camrys (depending on model desired) and barter for the Audi.
by jambadoc
Sat Jun 06, 2020 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Redeeming Citi Costco rewards without visiting Costco?
Replies: 11
Views: 1847

Re: Redeeming Citi Costco rewards without visiting Costco?

generally speaking, it has been my experience that you have to go to the warehouse in order to redeem them. I wanted to use mine to buy an online only item and had to go into the warehouse and have it placed on a gift card. However, in this situation it may be worth contacting customer service at Co...
by jambadoc
Mon May 18, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2535

Re: Beach Vacation Suggestions

Several people have mentioned the Keys. I would like to point out that if you are looking for a truly beach vacation, the Keys are probably not what you are looking for. They are beautiful and excellent for snorkeling, scuba diving, and other water sports (fishing, boats, etc). If you are looking fo...
by jambadoc
Tue Mar 31, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 47
Views: 3325

Re: Are Index Funds Not True Buy-an-Hold Investments?

Another fact to consider is the turnover ratio. While it is true that VTSAX may sell and buy a large total amount of dollars, the turnover ratio is held in percent which for VTSAX is 4% from what I can find. This is the percent that is bought or sold annually. If you look at actively traded funds th...
by jambadoc
Tue Mar 17, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Who is still going into work and why?
Replies: 41
Views: 2646

Re: Who is still going into work and why?

Emergency Physician. Probably getting ready to work more than normal. Working every day this week.
by jambadoc
Fri Feb 28, 2020 12:24 pm
Forum: Personal Investments
Topic: Tax Harvesting - Mutual Fund to ETF?
Replies: 3
Views: 163

Re: Tax Harvesting - Mutual Fund to ETF?

I would think the first scenario would trigger a wash sale as it is more than just "substantially identical." It is actually identical. I think you'd be fine with the 500 and extended market route. I'd probably simplify and just keep the whole thing in a 500 index fund for 31 days. The difference be...
by jambadoc
Tue Feb 25, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

I went to a premier biomedical engineering undergraduate school (tops at the time). I can't speak on any other school, but my undergrad engineering school experience was fabulous. I had significant research experience and ended up working for NASA for a time in physiologic zero gravity research. I, ...
by jambadoc
Sat Feb 22, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 30
Views: 2269

Re: Personal Finance/Budgeting Software

Another YNAB and personal capital user here. I used to use mint, but found it limited and glitchy. YNAB does things differently it has a little bit of a learning curve, but once you get it come I think it works way better. It's not free, but I found it worth it.
by jambadoc
Thu Feb 13, 2020 10:05 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1542
Views: 203995

Re: Post your Financial Milestone Announcements Here

kacang wrote:
Wed Feb 12, 2020 6:19 pm
Congratulations! Time to get the nice scotch yet?
It's in the works, Haven't had a free evening yet. 🎉
by jambadoc
Wed Feb 12, 2020 9:32 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1542
Views: 203995

Re: Post your Financial Milestone Announcements Here

We hit the two comma club a couple of days ago (with home equity)! We started at -250K about 7.5 years ago at the end of residency. I just wanted to thank all of you who have been so helpful over the years with your insight and advice. I told my wife and her response was, "That's nice, honey." I thi...
by jambadoc
Thu Jan 16, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: "Life Between 65 and Death"
Replies: 17
Views: 2756

Re: "Life Between 65 and Death"

I've got a long way to go to get to 65, but even I agree that 9 is probably not the best for most people. There been lots of studies to show that people are less connected and more isolated than they have ever been with all of these social media sites and the Advent of 24 hour news. I watched my gra...
by jambadoc
Fri Dec 27, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Year around the world with kids
Replies: 12
Views: 1481

Re: Year around the world with kids

We are in the early planning/dreaming stages of a similar trip in about 5 years. Post updates as you go and let us know what you learn. Good luck. I'm super jealous!
by jambadoc
Tue Dec 24, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Costco car rental question
Replies: 25
Views: 1962

Re: Costco car rental question

Reserved. Thanks for the advice.
by jambadoc
Tue Dec 24, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Costco car rental question
Replies: 25
Views: 1962

Costco car rental question

Hey all, We are looking at renting a car for an upcoming short trip. I had a price question which seemed weird. The Prices for all of the classes of vehicles start at $150 up to about $300 for the time we are there. However, there is a "premium crossover" class compared to a Volkswagen Atlas with se...
by jambadoc
Fri Nov 15, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: mechanics of paying a large tax bill
Replies: 42
Views: 3200

Re: mechanics of paying a large tax bill

In person at the office... In pennies. :moneybag
by jambadoc
Fri Nov 15, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14335

Re: Best thing you have ever bought?

Agree with the wedding/engagement ring comment, but for a fresh... look... Lasik Eye surgery. Hands down.
by jambadoc
Wed Oct 30, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3448

Re: Unnecessary blood tests

Moderators, if this message is deemed inappropriate, please delete it. I tried to be very careful with my wording to avoid political arguments or specific medical advice only making an actionable to this situation. To be honest, I had not heard about these guidelines. I'm not in a primary or prevent...
by jambadoc
Sun Oct 20, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6661

Re: Can you claim financial independence with kids still in school

I would read The millionaire next door with your wife. I would especially read the chapter on economic outpatient care. At some point continuing to provide for adult children's needs actually hurts them. That specific point will be different from person to person, but continuing to provide care into...
by jambadoc
Thu Oct 03, 2019 4:44 pm
Forum: Personal Investments
Topic: SPDR fund switch
Replies: 3
Views: 391

SPDR fund switch

I'm curious how many other people switched their funds from commission free SPDR ETFs to something different today. We have TD Ameritrade for our HSA, and I switched everything over to BND, VXUS,and VTI now that there's no fee for doing so.
by jambadoc
Sun Sep 29, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 7181

Re: Do you know what your partner spends money on?

I am the financial person and breadwinner in our family. However, we don't talk about my money and her money. Everything we have is ours. all of our credit cards and checking accounts are joint. As such, there is full transparency for either of us. I do a rough budget every month, and we tend to tal...
by jambadoc
Thu Aug 29, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance shopping - good alternative to State Farm for auto, home, umbrella
Replies: 20
Views: 1411

Re: Insurance shopping - good alternative to State Farm for auto, home, umbrella

We recently switched to Amica from USAA for exactly these coverages based on reputation and price. Super easy, and saved us $800 a year on the auto insurance.
by jambadoc
Wed Aug 28, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 56327

Re: GEICO auto rates vs. USAA: too good to be true?

We just switched from USAA auto to Amica. I had read on here USAA was particularly noncompetitive in Florida. We ended up saving $800 per year with better coverage. Also picked up an umbrella policy while I was at it. I really liked USAA, but not THAT much.
by jambadoc
Sun Aug 25, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Technology in K-8 Education
Replies: 51
Views: 1998

Re: Technology in K-8 Education

This is one of the major reasons we went the Montessori route. It is certainly not technology-free, but is technology light. I think it's a good balance. Fortunately, we have a public charter Montessori nearby and it worked well for our family. I think it especially works for the preschool in elemen...
by jambadoc
Fri Aug 23, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Multi Streams of Income to Build Wealth?
Replies: 44
Views: 2825

Re: Multi Streams of Income to Build Wealth?

I don't think I would trust Ramsey's methodology. A lot of Ramsey's findings seem highly suspect and clash with more authoritative sources like the Survey of Consumer Finances: https://www.federalreserve.gov/scf/scf.htm. Similarly, Stanley's methodology was fine for what he was trying to accomplish...
by jambadoc
Thu Aug 22, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Multi Streams of Income to Build Wealth?
Replies: 44
Views: 2825

Re: Multi Streams of Income to Build Wealth?

I think inheritance plays big part. Two kids with same saving capacity; one with $1million inheritance, another with none. They both start at the same time and save $10,000/year for 30 years and money grows at 6%. Kid with the inheritance would be worth more $6.5 million after 30 years. Kid without...
by jambadoc
Sat Jul 27, 2019 4:33 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4564

Re: Bootstrapping a company with retirement money

Congratulations on your idea. I hope it is very successful for you. As most people here, I agree starting off with a personal loan would likely be a smarter choice. However, after reading all of your responses, I feel like at the very least you've already made up your mind what you were going to do,...
by jambadoc
Sat Jun 29, 2019 11:48 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 167
Views: 20934

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

Once we finish paying off the house in a couple of years I plan to increase our real estate portfolio to (currently in REITs) from 10% to 15 or 20 gradually with private real estate funds (think crowdstreet, etc). I guess that counts. I don't do individual stocks.
by jambadoc
Thu May 23, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1579

Re: Best bassinet

Start with a crib. You won't use a bassinet long enough to make it worthwhile, unless you expect a whole lot of kids. This. Unless you can get one for free, I wouldn't bother. We bought all this stuff for baby number one. For baby number three, we didn't use any of it. Seemed like a good idea at th...
by jambadoc
Wed May 15, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12158

Re: Do you reward yourself for achieving a financial goal?

I plan on buying a relatively nice bottle of Scotch (like $100) to share with DW when we hit two commas hopefully later this year. Those purchases seem a little extravagant for that level of net worth, as has been said already. But only you can define what you value.
by jambadoc
Tue May 07, 2019 5:04 pm
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 31
Views: 3404

Re: Has anyone invested in marijuana stocks?

I invested in a basket of them in Jan 2017. Only non-index I own. 15 total companies. Many have lost nearly all of their value. Aurora and Canopy encompass most of my return, which is 200% as of now. Most of that return you quote came in the initial run up, and it hasn’t been nearly as dramatic sin...
by jambadoc
Wed Feb 06, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 5145

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

It appears Taxact has fixed the glitch. I'm not sure if anyone else has been able to do it, and it didn't work for me yesterday, but it seems to be working again today. :D
by jambadoc
Tue Feb 05, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact.com backdoor roth question
Replies: 2
Views: 430

Re: Taxact.com backdoor roth question

Thanks! The search function is my friend.
by jambadoc
Tue Feb 05, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact.com backdoor roth question
Replies: 2
Views: 430

Taxact.com backdoor roth question

I was trying to get a head start on my taxes for this year. I switched to taxact from turbotax a few years ago, and have been generally happy. I ran into a snag, and was wondering if anyone had any similar problems. Essentially I'm trying to input my and my wife's backdoor roth IRAs. I've placed the...
by jambadoc
Wed May 02, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 5060

Re: Where to babymoon?

From personal experience my wife was not interested in being in tropical climates baking in the sun at 7 months pregnant. She was hot an uncomfortable enough as it was. She would have chosen Vancouver. YMMV.
by jambadoc
Sun Apr 29, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 3181

Re: HSA Charging Monthly Fee - How to Avoid it?

I use HSA Bank. You can avoid the fee by keeping $5,000 in the savings account portion of the HSA. The problem is that 36 (the annual cost of the fee) divided by 5000 is about 0.7%. you're only saving a tiny percentage of the money that you're keeping off the table from investing. As such, I've deci...
by jambadoc
Sat Apr 21, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 8086

Re: Factor in evaluating Physicians

Woo Hoo! Didn't make the list. Although, when searching for myself, I see one of our interventional cardiologists on the list for almost $700k. Maybe I shouldn't be so happy about not being on the list. :D I see a lot of my former residents on for a few dollars here or there that I remember getting ...
by jambadoc
Sat Apr 21, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 8086

Re: Factor in evaluating Physicians

quantAndHold wrote:
Fri Apr 20, 2018 2:34 pm
My ENT got a $19 gynecology device. I’m not sure what to make of that.
Nasal Speculum?
by jambadoc
Tue Apr 10, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 11183

Re: Regrets of the frugal and dying?

“What I’d like is a cold beer, but it’s against my religion.” Strange religion. You can be moral, and drink a cold beer. Just don't go into debt to buy that beer ;) It would (probably) be against your religion if you were dying of liver cancer and didn't want to become markedly altered because your...
by jambadoc
Tue Sep 26, 2017 11:17 am
Forum: Personal Investments
Topic: New Deferred Compensation Plan question
Replies: 6
Views: 1263

Re: New Deferred Compensation Plan question

I'm 35. With the previous plan and our contribution rate I was looking at meeting our "goal number" at 55 when our last kid graduates from college. As I run the numbers now, if we just take everything that had been going into the EDP (the old plan) and put it taxable, it delays that number to 58-59....
by jambadoc
Tue Sep 26, 2017 10:41 am
Forum: Personal Investments
Topic: New Deferred Compensation Plan question
Replies: 6
Views: 1263

New Deferred Compensation Plan question

Hello all, I am looking for general input with regards to deferred compensation plans (not sure if this should be under personal investing or theory as it's sort of both). Our company recently merged with another company and apparently now our qualified elective deferral program (which I love) is be...
by jambadoc
Thu Sep 07, 2017 2:41 am
Forum: Personal Finance (Not Investing)
Topic: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills
Replies: 23
Views: 3595

Re: NYT > Under ‘Observation,’ Some Hospital Patients Face Big Bills

I can't speak for the country, but around our neck of the woods, many undifferentiated complaints are admitted under observation status. This is all in generalities, of course, and does not constitute medical advice. Just for understanding purposes, however, probably the best example is "chest pain....
by jambadoc
Sun Jul 09, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 6054

Re: Coyote control

I would invest in a roadrunner.

And get new neighbors.
by jambadoc
Sat Jul 08, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?
Replies: 49
Views: 6865

Re: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?

Remember that a percentage of that money (based on your marginal tax rate) will essentially be refunded to you on your mortgage tax deduction. Also, remember that a dollar paid to the bank 30 years from now is unlikely to be worth a dollar paid to the bank today, so the total amount of money may be ...
by jambadoc
Thu Jun 08, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 17864

Re: Dave Ramsey Financial Peace University ??? worth it?

I'm wondering if the Financial Peace University is the same thing as the baby steps? Or are the baby steps part of the FPU? Baby steps not part of FPU at all? Does the FPU include the investing advice that most of us think is so poor? Is "debt abstinence" even part of the FPU teaching? It doesn't s...
by jambadoc
Thu Jun 08, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 17864

Re: Dave Ramsey Financial Peace University ??? worth it?

Being debt free is the best way to live. Then you can invest your money and become rich. Not make other people rich paying interest. Yeah - all those businesses that raise capital through debt aren't getting rich at all, just paying interest to others. Sorry, but this line of thinking is harmful no...
by jambadoc
Sat May 06, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 9129

Re: Insulating Walls - Worth it?

To do it from the outside you would have to remove the siding and all the trim, remove the exterior casings of windows and doors, remove any flashing and housewrap AND remove the sheathing plywood. Nobody is going to do that. Not to mention if it rains while your whole house is uncovered to the bac...
by jambadoc
Mon May 01, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 6264

Re: Buying couches the Boglehead way

I own a little bit of everybody else's couch, that way I am fully diversified. In all seriousness, we got our last two couches from a local furniture store (broyhill - we have small kids and have been pretty happy with the durability). We've gotten other furniture ordering from Costco and have also ...
by jambadoc
Wed Apr 19, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 8157

Re: What kind of stuff would you never DIY, assuming you could?

Transmission work. I did it once and it is worth every penny to pay someone else. Also tree trimming. Knowing myself, I'll reach too far or try some crazy balancing act and end up falling 20 feet. Ooh. Tree trimming is another good one. Six live oaks in our yard. I'm happy to not do that one either...