Search found 176 matches

by PugetSoundguy
Thu Oct 11, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1211

Re: How important is it that dentist is member of ADA?

If dentistry is at all like medicine then not at all. My wife is a family physician and gets almost as many spam mailings from the AMA trying to get her to join as I now get from AARP and AAA since turning 50. None of her colleagues in the HMO she works with are AMA members. She says it's more for ...
by PugetSoundguy
Tue Oct 09, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 71
Views: 9415

Re: Short Term Bond yield over 3%

KlangFool wrote: ↑Tue Oct 09, 2018 4:06 pm OP, Please explain to me why folks are paying off the fixed-rate low-interest mortgage when the interest rate is going up. At the rate of interest rate increases, cash in the money market fund may pay a higher interest rate than their mortgages in the futu...
by PugetSoundguy
Tue Sep 18, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3495

Re: Equity in house / Do you use it?

If by using home equity you mean a home equity loan, aren't you really just asking: Do you borrow a bunch of money and agree to give up your house if you can't pay it back?
by PugetSoundguy
Thu Sep 13, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10160

Re: Side Hustle Options/Suggestions.

sports referee. basketball, volleyball, and lacrosse are good. get exercise etc... the money is made on the weekends though. b-ball on the weekends in the winter is o.k. here in chicago though. gets you off the couch on cold winter days. a lot of people don't claim this income as long as you don't ...
by PugetSoundguy
Sat Sep 08, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

LifeIsGood wrote:
Sat Sep 08, 2018 1:43 am
I’ve been using Adoramapix for quite a few years and really like them.

Lay flat books
Nice quality thick paper
Easy web based design interface
Reasonable prices
Good customer service
Another vote for Adoramapix. Great results over the years. They are real pros.
by PugetSoundguy
Tue Aug 28, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2960

Re: Minivan for family of 4.

We have a family of four and our 2010 Toyota Sienna minivan has worked out perfectly for us for the last eight years. On a vacation this summer, we rented a Pacifica minivan (not a hybrid). I was surprised at the quality, having rented a Chrysler minivan a few years ago and having been somewhat disa...
by PugetSoundguy
Thu Aug 16, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 32
Views: 2748

Re: Lock Suitcases on International Flight or Not?

I just use nail clippers. One in my pocket, also one in an unlocked pouch on the outside of the bag in case an overzealous TSA person takes the clippers from me. Has worked for years.
by PugetSoundguy
Thu Aug 16, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 32
Views: 2748

Re: Lock Suitcases on International Flight or Not?

We just use disposable cable ties so the zipper on the bag won't accidentally slide open. Easy enough for the Customs/security people to clip if they need to look inside the bag.
by PugetSoundguy
Mon Jun 04, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15234

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

Thanks coach. By the way, I am in awe of my kids' teachers. I don't know how they do it. It truly is a calling.
by PugetSoundguy
Mon Jun 04, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15234

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

I think you do a great job highlighting the difference between knowledge and wisdom here especially for our younger and more impressionable readers. The OP obviously is very adept at the knowledge side, judging from his previous academic accomplishments and his career. It seems glaring to me howeve...
by PugetSoundguy
Mon Jun 04, 2018 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15234

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

I went to law school at night at a middle-ranked state school because I wasn't sure I wanted to give up my other career. I was an "older" student -- all of age 28 when I started! But to be fair there were a few students in their 40s. It worked out and I switched to law. A few years later, I was a vo...
by PugetSoundguy
Wed May 23, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: New Trend: Bonds in Roth IRA
Replies: 16
Views: 2792

Re: New Trend: Bonds in Roth IRA

One reason I have some bonds in a Roth is because the particular form of bonds (TIPS) is not available in my other tax-advantaged accounts. Others who have tax-advantaged accounts that may have somewhat restricted offerings, such as employer-sponsored 401k plans or the federal Thrift Savings Plan, m...
by PugetSoundguy
Tue May 08, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5353

Re: Which City to spend 4-6 weeks?

Paris. We just can't get enough of that city. Meets all your criteria except maybe not as bicycle friendly as some. But you've been there so you can evaluate that. Rail center of Europe. Fabulous daytrips in every direction. We even got a screaming deal on train tickets to London so did a London day...
by PugetSoundguy
Thu May 03, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Better Inflation Protection: Vanguard REIT, TIAA Real Estate or Schwab Fundamental Global REIT?
Replies: 10
Views: 1078

Re: Better Inflation Protection: Vanguard REIT, TIAA Real Estate or Schwab Fundamental Global REIT?

Maybe those options will handle inflation, maybe they won't. Nobody knows. Why not just increase your exposure to TIPS, which will absolutely handle inflation since that is your concern?
by PugetSoundguy
Thu May 03, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3781

Re: Receiving house after parents pass away - legal issues with siblings?

Far better to spend a little bit on a lawyer right now rather than spending lots and lots on lawyers later.
by PugetSoundguy
Mon Apr 23, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 3318

Re: Rebating buyer's agent for 1st time single-family home purchase

About 10 years ago we found a house we liked but at that moment did not have a buyer's agent. A colleague suggested an agent that he had used. We called her and she was happy to negotiate a rebate since we had already found a house. She was incredibly helpful in negotiating and closing the deal (it ...
by PugetSoundguy
Fri Apr 20, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 2530

Re: Bonds vs. Fixed/Guaranteed Income

My overriding question is: should we incorporate cds/treasuries in our fixed income component for diversity and stability, even though we don't need the guarantee? In my mind this is not a kind of bucket system (although I guess it might be considered such). And as Livesoft has indicated, this is n...
by PugetSoundguy
Fri Apr 20, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 5077

Re: Another discussion about private vs public schools?

Hi BuckyBadger: First, congratulations! You are going to have so much fun. Second, one of the recurring themes here with which I agree is that you have time to see how things develop. Yes, the time will go by quickly but you do have a few years. One thing an earlier poster said that turned out to be...
by PugetSoundguy
Wed Apr 18, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront's Risk Parity Fund expense reduced
Replies: 5
Views: 779

Re: Wealthfront's Risk Parity Fund expense reduced

car733 wrote:
Wed Apr 18, 2018 1:31 pm
We want to share that success with you in the same way Vanguard does because we believe it’s the right thing to do.
Unless fund participants now own the company, they are not doing it at all the "same way Vanguard does." Something seems sketchy about this whole explanation.
by PugetSoundguy
Tue Apr 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 1008

Re: underwater camera advice

I have a TG-5 and it's awesome, a big improvement from the TG-4. It uses a standard micro-USB charger cable so it's compatible with almost any charger or external battery pack, plus its internal swappable battery has a reasonably long life. Didn't know they got rid of the silly proprietary plug. Go...
by PugetSoundguy
Tue Apr 17, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 1008

Re: underwater camera advice

I have used an Olympus TG-4 for a couple of years. The newer version is the TG-5, about $400. Not cheap, but it really is waterproof, is tough generally, and also is a good pocket camera for more conventional shots. You could always sell it on eBay after using it. Suggestions if you get it: At least...
by PugetSoundguy
Tue Apr 17, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 34
Views: 2690

Re: Europe- Zurich<->Paris- 10 days

Whether it makes sense to try to fit in Swiss mountains depends on when folks are arriving at Zurich and Paris. For a quick recommendation of Swiss mountains, I would head to the Berner Oberland area (Interlaken is the main train station for that region). It looks to be about a 2 to 2.5 hour train t...
by PugetSoundguy
Tue Apr 17, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 34
Views: 2690

Re: Europe- Zurich<->Paris- 10 days

Hey OneWorld: We had three adults and two boys (ages 8 and 9) in Europe last summer and we had a ball. We spent four nights in Paris. The boys are demanding that we return to Paris (and elsewhere in Europe) ASAP. They loved everything about it... the people, the food, the Metro, the museums, the nei...
by PugetSoundguy
Fri Apr 13, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: DINK High Income Earners - how to lessen the tax impact?
Replies: 25
Views: 2808

Re: DINK High Income Earners - how to lessen the tax impact?

Can you really use your car lease as a deduction ? I have never done that but I don't use mine in my line of business. She deducts the whole lease payment? She uses her car as a part of her job, so yes, she can. She uses the car 100% for business? If not, you may want to take a look at IRS guidance...
by PugetSoundguy
Wed Apr 11, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 4534

Re: Any aggressive index funds in your portfolio?

No, I can get into more than enough trouble with just Total Stock Market and Total International.
by PugetSoundguy
Tue Apr 10, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7408

Re: Tequila and Magaritas

This is the finest thread I have ever found on Bogleheads. Thank you.
by PugetSoundguy
Tue Apr 10, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 11880

Re: Cash flow problems - best way to handle?

Hi MnyGrl: I just wanted to say it seems to me that you're doing great under difficult circumstances and obviously are a very devoted and focused Mom. We have two young kids and "camp" for us, just like for you, is far from a luxury item, i.e., it's the city-run rec center. Gotta put the kids somewh...
by PugetSoundguy
Fri Mar 30, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 8047

Re: New car from dealer may have close to 150 miles - ok?

When we bought a car a few years ago, the dealer didn't have exactly what we wanted but there was one at a dealer about 200 miles away. We worked out an acceptable price and we had the car a few days later. The dealer had it shipped on a flatbed truck without us asking for that particular method of ...
by PugetSoundguy
Fri Feb 02, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546490

Re: U.S. stocks in freefall

At least the federal Thrift Savings Plan G-fund rate went up to 2.75% today (up from January rate of 2.375%).
by PugetSoundguy
Thu Feb 01, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9303

Re: What advice would you give yourself if you were 27 again?

tesuzuki2002 wrote:
Thu Feb 01, 2018 6:09 pm
Dyloot wrote:
Thu Feb 01, 2018 5:23 pm
BlueRidgePro wrote:
Thu Feb 01, 2018 4:44 pm
Don't marry her.
+1
+2
Or... don't let her (or him) get away...
by PugetSoundguy
Thu Feb 01, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9303

Re: What advice would you give yourself if you were 27 again?

You are a million years ahead of everyone your age as far as financially speaking. Maybe try to focus on simplifying your finances as much as possible, and using more of your free time (and general thinking) in building strong relationships and friendships with others. I find more happiness in buil...
by PugetSoundguy
Fri Jan 26, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 2570

Re: April in Paris - Your favorites or suggestions?

Lots of great suggestions here. My wife and I visited Paris several times before we had kids and finally got the courage to take our two boys last July. Wonderful time! We rented an apartment in the neighborhood where you are staying. Great central location. I would add a few suggestions: Not far fr...
by PugetSoundguy
Thu Jan 18, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 16013

Re: Can We Retire in Hawaii? Please Critique

Hey SurferLife: It sounds like you are approaching this big decision in a very methodical and sober way. I know we all wish you and your family the very best and I think I speak for others when I say it would be great to get some updates from you as you approach your retirement. Many of us will be c...
by PugetSoundguy
Thu Jan 11, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 50
Views: 6247

Re: why do banks bother offering lousy CD rates?

Our small neighborhood commercial strip is challenging for most small merchants but there are seven (!) brick and mortar banks within four blocks, all offering lousy CD rates. There are also two Edward Jones offices in the same few blocks, with a third office on the other side of the neighborhood wh...
by PugetSoundguy
Thu Jan 11, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 5291

Re: A half year off at full pay or a full year off at half pay?

Wow, sounds exciting. My family would take the year in a heartbeat. And you get half pay and full benefits? No-brainer to me! You know your kids best of course as far as how they would like a year someplace else. I think our kids would find a year someplace else pretty exciting. How old are your kid...
by PugetSoundguy
Fri Jan 05, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 14387

Re: European Cities that don't interest you

Paris along with anywhere in France are on my "Will never go back" list. When I've gone to France in the past I was treated rudely even in expensive restaurants - not the experience I want in any place where I am spending my hard earned money. Plenty of other places to travel in the world where peo...
by PugetSoundguy
Thu Dec 28, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 14387

Re: European Cities that don't interest you

Paris along with anywhere in France are on my "Will never go back" list. When I've gone to France in the past I was treated rudely even in expensive restaurants - not the experience I want in any place where I am spending my hard earned money. Plenty of other places to travel in the world where peo...
by PugetSoundguy
Mon Dec 18, 2017 1:48 am
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 4203

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

You can’t redeem a savings bond partially. When you purchase them you can choose amongst a variety of face values, but you have to redeem each individual bond purchased in its entirety. That's what I thought too, but according to the TreasuryDirect government website, you can partially redeem elect...
by PugetSoundguy
Wed Dec 13, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3652

Re: WHO IS RIGHT ME or SPOUSE

I think the new grandspouse would be really touched by the sign of inclusion. A nice gesture totally worth $100. Of course your wife is right. 8-) (That assumes of course you have an extra $100, but you didn't mention that a shortage of funds was the problem.)
by PugetSoundguy
Tue Nov 28, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 5020

Re: Paying for news?

Former newspaper reporter here (large East Coast daily). Parts of this thread sure are depressing. I am sad that some folks feel it is "not worth their time" to read what I consider to be outstanding coverage in the New York Times, Washington Post, and so many other professional outlets. For the rec...
by PugetSoundguy
Wed Nov 15, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 6452

Re: what pickup truck

We use my trusty 1997 Toyota 4Runner to tow our light camper, but many of our friends who join us on group camping trips tow their trailers with full size pickups. Chevy/GMC, Ford, Ram (Dodge), Toyota, we see a full variety. They all love their trucks and are brand loyal. Seems like a pretty mature ...
by PugetSoundguy
Thu Nov 02, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Upgrading ... which iPad to purchase?
Replies: 14
Views: 1507

Re: Upgrading ... which iPad to purchase?

Sounds like my Mom! She loves her new, replacement iPad. She finds it to be so much faster than her old one. Does your Mom ever download movies, store many pictures, that sort of thing? If so the 128 gb version might be better than the 32 gb version; 32 gb would probably be fine, but I got my Mom th...
by PugetSoundguy
Thu Nov 02, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.
Replies: 18
Views: 2711

Re: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.

OK, I'll mention the 10% bonus if you wait until 62. As you described, if you wait until 62, you would get $10,000 more per year in your FERS pension. This would be increased for inflation over your retirement. To fund that additional income stream with a lump sum assuming a 4 percent withdrawal rat...
by PugetSoundguy
Wed Oct 11, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 5286

Re: SUV options with 3 little kids

minivan, quit fighting it This. Sister-in-law wants minivan (after riding in ours). Brother-in-law says no way. So three car seats in the second row of a Nissan SUV. Misery. I wince every time I see them loading/unloading the kids. And kids get bigger. A lot bigger. But they survive and so will you...
by PugetSoundguy
Tue Oct 10, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 16977

Re: Lg refrigerator vs Samsung refrigerator.

Another brief and probably not helplful anecdote: We just bought a new counter-depth Samsung French door refrigerator. We love it. The layout is great and somehow it manages to be virtually silent. And I have accepted that we probably will have to replace it in fewer years than we would like. When w...
by PugetSoundguy
Mon Oct 02, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 3443

Re: camping trailer...need to change vehicle?

We started trailer camping when our boys were the same age as yours. We bought a Jayco Jay Flight 184BH (2015 model bought in 2014). Here's what we like about it that might be applicable to your situation as well: It is fairly light as trailers go. I can tow it with my 1997 Toyota 4Runner, but I wou...
by PugetSoundguy
Thu Sep 28, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 8154

Re: I am in the investment advice industry and I'm not sure if I provide any value

I don't use an advisor because thanks to the information on this forum, I can see that it really isn't all that complicated and I can do it myself. Plus I enjoy it. But there are a lot of people who have no interest in doing it on their own. So long as they are getting good advice (like it sounds li...
by PugetSoundguy
Thu Sep 21, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3649

Re: Realtor to buy home?

Before we bought a house, we saw one we were interested in before we had an agent. We then engaged an agent with an agreement that she would rebate part of her commission to us if we bought that particular house. She then represented us, arranged a showing, made an offer, etc. We ended up buying the...
by PugetSoundguy
Tue Sep 12, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 3831

Re: Brother in College Co-Signing w/ Buddy for Duplex

The relatively modest likely upside doesn't seem worth all the downsides described above.
by PugetSoundguy
Tue Sep 12, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finding best mortgage / home refi rates
Replies: 10
Views: 1101

Re: Finding best mortgage / home refi rates

We just were approved for a HELOC from Third Federal in Cleveland. They issue HELOCs in many states and the application process is online. Our rate is prime less 0.260% for balances under $50k and prime less 0.510% for balances over $50k. Draw can be over 10 years, repayment can be as long as 20 yea...