Search found 321 matches

by Bmac
Mon Jun 24, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 5 days in Como, Italy
Replies: 15
Views: 1252

Re: 5 days in Como, Italy

Thank you for all the recommendations.
by Bmac
Thu Jun 20, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: 5 days in Como, Italy
Replies: 15
Views: 1252

5 days in Como, Italy

My wife and two young adult children (14 and 16) will be spending 5 days in Como this summer. Besides exploring Como, taking the ferry to Bellagio and spending a day in Milan, what other relatively nearby locations would you recommend we visit? We will have a rental car. Anything less than 90 minute...
by Bmac
Wed Mar 27, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Shipping DD away....
Replies: 14
Views: 2064

Re: Shipping DD away....

Japan is a very modern country. Her ATM card should work spectacularly for her. She will also be able to use any credit card, but choose one with no foreign transaction fee, such as Capital One and many others nowadays. Inform the card issuer of one's travel plans via their web site or phone. I've ...
by Bmac
Fri Mar 22, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 709

Re: Twitter

I'm not sure Twitter is really any worse than other social media or the internet in general. Like Facebook, Instagram, and myriad websites/blogs/fora, it can be an echo-chamber for reinforcing one's biases and home to horrible, anonymous trolls. The Bogleheads.org forum is a rare and shining example...
by Bmac
Thu Jan 31, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Age discrimination in the medical professions as one gets older?
Replies: 40
Views: 3693

Re: Age discrimination in the medical professions as one gets older?

I think the article is a bit overblown. If you can successfully get an MD and finish an accredited residency it seems to me highly unlikely you will not be able to maintain a career at a reasonably high salary compared to the vast majority of nonprofessionals. I would say much better job security th...
by Bmac
Sat Jan 26, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Too early to start on my taxes?
Replies: 45
Views: 3481

Re: Too early to start on my taxes?

I don’t understand the rush to file taxes. Especially if one is going to owe some. I’m pretty sure I recall that Livesoft extends and files in October every year.
by Bmac
Tue Jan 22, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying Vanguard 1099-DIV
Replies: 21
Views: 1438

Re: Verifying Vanguard 1099-DIV

Do you have the mutual fund only accounts or the new brokerage account? My mutual fund only accounts are reported correctly to the penny. Yes. Any chance you changed from a mutual fund to brokerage account in 2018? If you did, you will probably get 2 1099s that will total to the correct amount. If ...
by Bmac
Fri Jan 18, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3298

Re: How do you keep a calendar?

1. Family calendar on the fridge (column for each parent and kid). 2. 2-year monthly planner in my hip pocket. I have found that there is no digital calendar that lets one flip through month to month and get a real bird's eye view of events, work schedule, vacations, etc. 3. For important dates that...
by Bmac
Fri Jan 18, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Workaround for DW to contribute to a deductable IRA
Replies: 2
Views: 159

Re: Workaround for DW to contribute to a deductable IRA

Short of going from Dear Wife to Divorced Wife, I think the best option is a backdoor Roth.
by Bmac
Tue Jan 15, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Best way to help my wife buy a new car (gift tax implications?)
Replies: 15
Views: 2017

Re: Best way to help my wife buy a new car (gift tax implications?)

Terrific news! Looks like she can get a much more expensive car with no gift tax implications. Did someone say, “Tesla?” 😂
by Bmac
Sun Jan 06, 2019 10:19 pm
Forum: Personal Investments
Topic: High income earner with high debt.
Replies: 20
Views: 2044

Re: High income earner with high debt.

How long have you been out of residency? When did you buy the luxury car you can’t afford? At your income level you should be able to contribute to all your available tax-deferred accounts AND pay down your student loan debt with a goal to pay it off in 2-3 years rather than let your lifestyle expan...
by Bmac
Sat Jan 05, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2811

Re: Carryon for 7-day FL vacation?

TSA agents search many bags during their shift and they usually change their gloves or they are suppose to change those gloves but the sleeves of their shirts still touch both clean and dirty clothes during their searches. Think about it. I am thinking: I don't think you should be flying. Or leavin...
by Bmac
Tue Jan 01, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4159

Re: Uber/Lyft where do you sit?

runner3081 wrote:
Tue Jan 01, 2019 6:38 pm
Always front, passenger side.
It would be rather surprising if it was front, driver side. 😂

If by myself, rear passenger side. If with my spouse and two children, then front seat with them across the rear seats.
by Bmac
Tue Jan 01, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8610

Re: Is everyone maxing out their Roth IRA today? AA question too.

Yes, just did. max in VTIAX/VTSAX, via backdoor. https://www.bogleheads.org/wiki/Backdoor_Roth_IRA How did you backdoor for 2019 today? I contributed the 2019 max for spouse and I to our TIRAs this morning (from taxable settlement fund to TIRA settlement fund) but will not be able to do the backdoo...
by Bmac
Tue Jan 01, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8610

Re: Is everyone maxing out their Roth IRA today? AA question too.

Yes, just did. max in VTIAX/VTSAX, via backdoor. https://www.bogleheads.org/wiki/Backdoor_Roth_IRA How did you backdoor for 2019 today? I contributed the 2019 max for spouse and I to our TIRAs this morning (from taxable settlement fund to TIRA settlement fund) but will not be able to do the backdoo...
by Bmac
Mon Dec 31, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: iPad vs iPadPro
Replies: 20
Views: 1869

Re: iPad vs iPadPro

Is anyone else bummed out that the iPad mini size is basically being dropped by Apple? I don’t like the largest iPhones (or their price) and the standard size iPads are less comfortable to hold on my lap. Personally I find the mini size perfect for reading using the Kindle app or streaming sports or...
by Bmac
Thu Dec 27, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: What is the oldest article of clothing you wear or have worn?
Replies: 12
Views: 761

Re: What is the oldest article of clothing you wear or have worn?

I have a fantastic ski sweater of my father’s that must be from the 1950s. It’s in immaculate condition and the quality far outstrips any modern knitwear I’ve seen. I also have the tuxedo my grandfather wore for his wedding. Unfortunately it doesn’t really fit me, not that I have many opportunities ...
by Bmac
Wed Dec 26, 2018 7:09 pm
Forum: Personal Investments
Topic: Just executed first TLH - tips I've learned from Bogleheads and a big thanks!
Replies: 18
Views: 1754

Re: Just executed first TLH - tips I've learned from Bogleheads and a big thanks!

As noted by someone on a different but related thread, it seems best to wait for the very end of the trading day to perform most buy, sell and exchange transactions as you should be fairly confident about the day’s closing numbers. I’ve been able to both exchange mutual funds and buy the same final ...
by Bmac
Wed Dec 26, 2018 6:51 pm
Forum: Personal Investments
Topic: Just executed first TLH - tips I've learned from Bogleheads and a big thanks!
Replies: 18
Views: 1754

Re: Just executed first TLH - tips I've learned from Bogleheads and a big thanks!

Hi, I just executed my first TLH today. This will be a big money-saver at tax time, so I'm feeling excited about that and also grateful to all of you. Huge thanks for sharing your wisdom, day in and day out. :beer In an effort to capture some of these Bogleheads-provided learnings :happy , here is ...
by Bmac
Tue Dec 11, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Buy Lexus CPO now or wait until end of Dec.?
Replies: 23
Views: 1640

Re: Buy Lexus CPO now or wait until end of Dec.?

I can’t comment too much on the Lexus. However, I agree that $3500 for 2005 CR-V trade in with that mileage seems like a darn good offer. It must be in excellent condition. We recently bought a used Acura RDX. One year older with more miles. Didn’t get much movement on the offer. I will say that a w...
by Bmac
Thu Dec 06, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 7167

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

I remain confused why the OP seems to think this is more than a one year problem, given the SALT limits. I think the OP wisely bunched property tax payments in 2017 before the new law kicked in. But by doing so, now no property tax for 2018 deductions. But then in 2019 will resume having a year’s w...
by Bmac
Thu Dec 06, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 13408

Re: Who else is getting excited?

I don’t find volatility exciting. I don’t enjoy seeing the economy crater, if that happens. Agree that it might be good for the young investor with a long time horizon. But I don’t think 2008 was particularly good for the many that lost their jobs, houses or both, regardless of age. It’s difficult t...
by Bmac
Thu Dec 06, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 7167

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

I remain confused why the OP seems to think this is more than a one year problem, given the SALT limits. I think the OP wisely bunched property tax payments in 2017 before the new law kicked in. But by doing so, now no property tax for 2018 deductions. But then in 2019 will resume having a year’s wo...
by Bmac
Sun Dec 02, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 80
Views: 10968

Re: Tax Reform - Revised Kiddie Tax

Terrific. Thanks. That’s what I was calculating as well.
by Bmac
Sun Dec 02, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 80
Views: 10968

Re: Tax Reform - Revised Kiddie Tax

Ok. So please help me with the math. If my child has 0 earned income, $900 Short Term Capital Loss and $4000 in Qualified Dividends in UTMA, how much LTCG can we take and remain at the 0% tax rate for 2018 under the new rules?
by Bmac
Sat Dec 01, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a Nanny
Replies: 13
Views: 1523

Re: Hiring a Nanny

Deduction? Ha ha. If they hire directly rather than through a service they will be paying taxes (FICA, SS, Medicare) via Schedule H. If available through one of their employers, it may be possible to use as much as $5000 pretax to pay the nanny via a Dependent Spending Account. Homeowners and Umbrel...
by Bmac
Thu Nov 22, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3855

Re: Men's crew neck t-shirts

Amazon Essentials 6-pack cotton crew neck undershirts for $16.
by Bmac
Mon Nov 19, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Question for MDs: How much math required for med school?
Replies: 9
Views: 1086

Re: Question for MDs: How much math required for med school?

It’s actually very little required, I believe. I took a year. Included calculus. This was 30 years ago, of course.
by Bmac
Thu Oct 18, 2018 9:59 pm
Forum: Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5516

Re: Spoke with a CFP...underwhelming!

Actually, I would say his advice was at least “whelming.” Perhaps redundant for a well educated Boglehead, but certainly appropriate for the average non-Boglehead with little interest in DIY personal finance. For most, if a CFP can get the client to implement the recommendations and maintain a buy a...
by Bmac
Sat Oct 13, 2018 9:27 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 136
Views: 31297

Re: Seattle Area Chapter Meetings - Master Thread

Steve Juetten and his team. Based in Bellevue. Good guy. Straight shooter. Fee only. Very much Boglehead.

https://finpath.com
by Bmac
Sat Sep 29, 2018 12:27 pm
Forum: Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 5741

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I don’t know if Vanguard can upgrade your account unilaterally. I think the account owner is required to click through the process. So maybe just keep ignoring the notifications for 3 more months. I’m not sure of another option besides calling Vanguard and stating your case.
by Bmac
Tue Sep 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2396

Re: $180 IPhone SE or $90 Iphone 5S

Happy SE owner here. Not looking forward to upgrading to a big faced phone, this is the perfect size. Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortab...
by Bmac
Tue Sep 18, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 8409

Re: I see now why Rollovers can take FOREVER ....

Livesoft, your spouse is likely going to make more money by winning her fantasy league with far less hassle and exponentially more fun than than you will get finalizing this rollover.
by Bmac
Tue Sep 18, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1736

Re: HSA vs save $1.5K/year

Can you switch to her plan if you have access to health insurance from your own employer? That may not be allowed by her plan. Or do you have children and they would be switching from your plan to hers? We did the latter a few years ago. So wife and children on her PPO while I remain on my HD/HSA pl...
by Bmac
Mon Aug 20, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1652

Re: Car alarm '98 Camry ?

Do car alarms even actually work? Seem like the most common scenario is having them go off in the middle of the night for no apparent reason and merely annoying any neighbors within earshot. Has one stopped a determined and even semi-competent car thief? Why not just disable it.
by Bmac
Thu Aug 16, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401(k) millionaires hits record high
Replies: 48
Views: 5930

Re: Fidelity 401(k) millionaires hits record high

Only been in my job 2 years. So the 401k will never hit a million. My fidelity IRA, however, has been over a million for quite some time. How have you managed to save over $1 million in an IRA and yet have a 401k for 2 years? Previous 401k roll over to IRA? Annual maximum contribution amounts to an...
by Bmac
Sat Aug 04, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 6017

Re: Comfort level with Credit Card Balance

Just wondering what's everyone's comfort level is with their credit card balance. Zero comfort level. Any outstanding balance at all on any of my credit cards makes me itch. I check the card balances daily, and pay them off two to three times a week. Excessive, perhaps, but that's just me. Same her...
by Bmac
Wed Jul 04, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16829

Re: Retirement Destination - are you happy with your choice?

I have retired to Arlington, Virginia. I wanted to live in a large metropolitan area with many activities easily reachable by walking and public transportation. I can walk to the Arlington campus of George Mason University, to Georgetown University, and to George Washington University; if the weath...
by Bmac
Wed Jul 04, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4620

Re: Monthly Water Usage

Average around 125gal/day and 3800 gal/month fairly consistently throughout the year. Family of four without a pool or yard irrigation. $40-45/month. Roughly 4 showers a day, a load of laundry daily and dishwasher every other day. I’m sure the really high usage comes with a pool and large yard durin...
by Bmac
Sat Jun 30, 2018 4:57 pm
Forum: Personal Investments
Topic: Using the Total Bond Fund in a rising rate environment
Replies: 72
Views: 10623

Re: Using the Total Bond Fund in a rising rate environment

“I am not asking about adding the bond fund to allow people to make short-term investing changes. I am asking because we should have another good long-term investment for our bond allocations.” Investing theory aside, this seems to be the best response to the plan administrator so far. Also point o...
by Bmac
Mon Jun 04, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 19
Views: 1818

Re: Boston trip with small kids

The Children's Museum is right by South Station and quite good. The Aquarium is right near there too. There is also a little Swan Boat ride in the Boston Common where the kids can take a ride, and run around the park. They can check out the Make Way for Ducklings Statue and eat a picnic or so. At t...
by Bmac
Sun Jun 03, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4500

Re: Can a physician work in tech while practicing as well?

I think the two biggest obvious factors with regard to your ability to do this are the nature of your medical specialty/practice and your personal situation (spouse/children). If totally shift work (anesthesia/emergency medicine/diagnostic radiology/hospitalist/etc.) and single, then I’m sure you ca...
by Bmac
Sat Jun 02, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 6096

Re: 6 hour layover on Heathrow

Like Windsor Castle, Hampton Court Palace would also be doable by taxi/car service from Heathrow. I agree with others that getting into London and back with any time left to actually see anything is doubtful, unless you are already very experienced with Heathrow Express and the Underground system (a...
by Bmac
Sun May 06, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 7455

Re: Comparing 2 physician jobs

OP, I am a doc and we live in the middle of nowhere. What does your SO think? Does she have any preference? If she says that there is no way in hell that she is living in the middle of nowhere then it is an easy decision. Can she be happy living in a small town? I think 2-hour commute is out of que...
by Bmac
Fri Apr 27, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 5111

Re: The Paperless Life

Don't rely on institutions to hold onto your statements forever - they won't. Even if they do (though they rarely do)....you might not stick with the same institutions for 40 years. If you decide to leave Vanguard 20 years from now -- even if all their statements are online and available -- it won'...
by Bmac
Tue Apr 24, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 109
Views: 17380

Re: Downloadable Social Security Benefit Estimator (repost)

Ok, I must be an idiot. What am I doing wrong? I used your link and then downloaded the benefit estimator, but I am unable to enter any data in the pink sections. I am on an iMac and using Safari. Please advise. Thanks, Bmac I don't use mac so I'm not sure about that. I doubt the browser type would...
by Bmac
Tue Apr 24, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 109
Views: 17380

Re: Downloadable Social Security Benefit Estimator (repost)

Ok, I must be an idiot. What am I doing wrong? I used your link and then downloaded the benefit estimator, but I am unable to enter any data in the pink sections. I am on an iMac and using Safari. Please advise.
Thanks,
Bmac
by Bmac
Mon Apr 23, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 2262

Re: IPhone Faulty Battery Diagnosis

Just this weekend I went to have my battery replaced, but the diagnostics said it was at 94% functionality. Instead of changing it I decided I would wait until late November or December before getting the new battery. Still within the $29 window.
by Bmac
Mon Apr 23, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 14045

Re: Nomadic lifestyle in their 50s

thanks ALL for the responses. RE: Homebase. Honestly, we are currently in Seattle now - it is unlikely we will eventually retire here. Instead of paying a management company to rent it out, we can cash out while the downtown condo market is on absolute fire. The thought process for a home base is e...
by Bmac
Wed Apr 11, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43928

Re: Name something you bought that wasn't cheap and glad you did

Business class from Vancouver to Sydney. For a relatively short vacation, arriving rested after a 14 hour flight was priceless. Able to hit the ground running.