Search found 92 matches

by tyrnup13
Fri Dec 25, 2020 6:08 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1274
Views: 75892

Re: What are you listening to now

I just discovered Pomplamoose and Nataly Dawn. Can't stop listening!
by tyrnup13
Wed Nov 25, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Where and What healthy baked desserts to buy ?
Replies: 26
Views: 1835

Re: Where and What healthy baked desserts to buy ?

I usually avoid sugar. We don't buy desserts. Something we make for special occasions, like Thanksgiving, is a pear clafoutis. It doesn't have enormous amounts of sugar, nor that much flour. The recipe we use is on Mimi Thorisson's website. It is mildly sweet but still satisfying for a dessert.
by tyrnup13
Sun Sep 20, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3398

Re: Best shoes for running?

I think that in addition to shoes, one should also focus on strength training and mobility exercises (for running).
by tyrnup13
Sun Sep 20, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3398

Re: Best shoes for running?

Have you looked into zero drop shoes?
by tyrnup13
Tue Sep 01, 2020 4:58 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 356
Views: 29610

Re: What is your age and asset allocation ?

Age 44; 40% US equities 27% international equities and 33% bonds
by tyrnup13
Sat Aug 29, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2394
Views: 545028

Re: Share your networth progression

I haven't kept track, but the post got me wondering. Here are estimates... 2008: -35,000. Got first job, started paying back student loans. Age 32. 2009: +65,000 2010: +265,000 2011: +465,000 2012: +715,000 Bought house, paid cash. 2013: +990,000 2014: +1,292,000 1/1/2015: 1,830,000 5/13/2015: 2,14...
by tyrnup13
Thu Aug 27, 2020 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings on physician's side income?
Replies: 19
Views: 1409

Re: Tax savings on physician's side income?

I was under the impression that one could contribute 25% of their 1099 income to the individual 401k. I see you mention 20% will go into the 401k. Do I have a misunderstanding of the IRS rules? This is relevant to me too, because I have a separate 401k for my moonlighting gig, and want to make sure ...
by tyrnup13
Mon Aug 24, 2020 5:59 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252056

Re: Post your Financial Milestone Announcements Here

We reached $4M in investable assets this month. Almost to our goal of $4.4M, where we will take a gap year. When we return, I will only work part-time. As a bonus: should hit $5M in total net worth in the next couple of months, if I include the value of our home and childrens' 529s (I know, a stretc...
by tyrnup13
Sat May 16, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6664

Re: Healthcare post COVID-19

Radiologist here, working today. The past two months have been really nice, with decreased ED utilization and thus less imaging. I thought it might offer a time for reflection on how services are utilized, both amongst physicians and patients. Unfortunately, the past week, our volumes have almost in...
by tyrnup13
Thu Apr 23, 2020 4:46 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10522

Re: physician/APC pay cuts

I am in private practice, and my group has a contract with a large hospital system where nearly everyone else is employed. My group will take about a 20% pay decrease this year, if things return to near normal in June. We also have years where we make much more than our baseline pay because we are b...
by tyrnup13
Thu Apr 16, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3503

Re: Help us save more money on a monthly basis.

I will reiterate what others have stated as obvious: Get rid of landscaping and cleaning service. I don't understand how you justify having cable when you have stated the reason you want a cleaning service is so you can maximize time with young children. Why don't you take the time you spend watchin...
by tyrnup13
Sat Mar 28, 2020 6:12 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56559

Re: How Is Your Job Being Impacted By The Current Crisis?

Radiologist - working from home except for one day a week where I have to go in to do procedures. Despite what you may think, our volumes are way down since we have cancelled all non urgent outpt studies (non urgent mri, breast screening mammograms, anything they could wait a few months) . Likely w...
by tyrnup13
Sat Jan 18, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: A bike tour from Bolzano to Vienna (Link to Journal provided)
Replies: 21
Views: 2265

Re: A bike tour from Bolzano to Vienna (Link to Journal provided)

Really enjoyed the journal and photos. Headed to Dolomites in two weeks for backcountry ski trip, so this got me excited! Thanks for making available.
by tyrnup13
Wed Jan 15, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: MRI and other medical service
Replies: 16
Views: 1576

Re: MRI and other medical service

Keep in mind that in addition to price, one should also research the quality of the magnet that they will be imaged on. A start would be to know what field strength it is. Quality would be more of my concern.
by tyrnup13
Tue Dec 24, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11314

Re: What NON-frugal thing did you do today?

Got an 11 lbs bone-in Jamon Iberica de bellota. Worth every penny!
by tyrnup13
Wed Dec 04, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that allow total solitude and are night jobs
Replies: 60
Views: 4642

Re: Jobs that allow total solitude and are night jobs

greg24 wrote: Wed Dec 04, 2019 1:39 pm Do you assume the OP has the education and training to become a radiologist?

Seems like an odd suggestion.
The OP specifically referenced a job in the medical field, so I'm not sure why you think this is an odd suggestion.
by tyrnup13
Wed Dec 04, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Jobs that allow total solitude and are night jobs
Replies: 60
Views: 4642

Re: Jobs that allow total solitude and are night jobs

Teleradioligist. You can work from home and talk to a microphone all night.
by tyrnup13
Sun Feb 24, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 5252

Re: Things to do in Indiana

I've lived in Indiana most of my life--if you are in the southern portion of the state, then here are some suggestions: Bloomington is a college town and is a cultural oasis for the state. You should stroll through the campus and enjoy the restaurants downtown. If you like coffee, Hopscotch makes th...
by tyrnup13
Mon Feb 18, 2019 5:13 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 16883

Re: How many bogleheads do you know in real life?

I occasionaly think about the answer to this question because I know the common refrain is that most people are not saving enough, living beyond their means, etc. I would say I know quite a few Bogleheads (the majority of our friends and some work associates). They may not identify themselves as suc...
by tyrnup13
Tue Jan 29, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 4366

Re: Do you do backpacking in your 50s or 60s?

I am not in your demographic (42 years old), but just got back last night from a backcountry ski tour in the Canadian Rockies. One of my travel partners is 59, and he was one of the stronger members of the group. He is increasing the frequency of backpack trips as he gets older. We love the backcoun...
by tyrnup13
Mon Jan 07, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 22633

Re: Best town I've never heard of [for relocating]

tainted-meat wrote: Sat Oct 11, 2014 1:42 pm That's easy, Bloomington, Indiana. It's 45 minutes South of Indianapolis.
Bloomington, IN is a great town, meets all of your criteria. It has lots of culture per capita, if that is an actual metric. My only reservation is that besides rolling hills, it lacks interesting geography.
by tyrnup13
Mon Dec 31, 2018 5:08 am
Forum: Personal Investments
Topic: Buying More Paper Assets or Rental Properties
Replies: 15
Views: 1464

Re: Buying More Paper Assets or Rental Properties

If I were answering this question for myself, this is what I would want to know: 1. Do I enjoy owing rental property? 2. How much debt will I assume while buying another rental, relative to my investable assets/net worth? Is that debt easily managed in a downturn scenario? 3. What are the future pro...
by tyrnup13
Sat Oct 13, 2018 6:16 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 76534

Re: Your USER NAME...what does it mean?

It was neural noise, nothing more.
by tyrnup13
Tue Sep 25, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 8033

Re: How to buy a mattress

Casper.
by tyrnup13
Tue Sep 25, 2018 4:31 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 1151

Re: Is there any point to keeping old X-rays?

If you ever have another chest x-ray and there is a pulmonary nodule (many reasons for this), the radiologist might want a comparison exam to determine whether the nodule is new or stable. Since your old study is reportedly normal, the radiologist would then know that the nodule is a new finding and...
by tyrnup13
Thu Sep 20, 2018 4:44 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 10842

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

I've got no experience with any of the home security systems. I thought I'd add Wyze Cam to the list of researchable products though, recommended by a frugal friend who is in the tech industry.
by tyrnup13
Tue Aug 07, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 4261

Re: Grind and Brew Coffee Makers - worth it?

I tend to dislike machines that create unnecessary material waste, i.e., Keurig and Nespresso. I am interested in an automatic espresso type machine, like the Jura J8, I guess. A question for those users: do those machines make a cup of regular joe, in addition to the lattes, capuccinsos, etc.? Yes...
by tyrnup13
Tue Aug 07, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 4261

Re: Grind and Brew Coffee Makers - worth it?

Just bought a Jura E8 last month. Expensive, but worth it. We wanted something fully automatic so that we could frequently use it, and not wait for it to heat, etc.
by tyrnup13
Thu Aug 02, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4472

Re: 4% rule .. but when?

If you have a few hours, read this series. It will answer every question you have regarding SWR.

https://earlyretirementnow.com/2016/12/ ... t-1-intro/
by tyrnup13
Fri Jul 20, 2018 5:16 am
Forum: Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4891

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

If your time frame is 10-25 years, why do you even care if there is a market downturn? That just wouldn't be a concern of mine. When has a financial adviser foreseen a market downturn and acted on a client's behalf? I don't think many advisers predicted the Great Recession, nor will they precisely t...
by tyrnup13
Sun Jul 15, 2018 5:51 am
Forum: Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 3218

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

You could do that, but why not just stick to your already simple three fund plan? Are you sure you are doing this for simplicity and not because of international returns lagging US returns? Is this performance chasing? Two fund or three fund portfolios are both great, you just have to pick one and s...
by tyrnup13
Sat Jul 14, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24546

Re: COMING SOON: BOGLEHEADS PODCASTS

Babbling Bogleheads
by tyrnup13
Mon Jun 25, 2018 3:38 am
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 3395

Re: Best time to travel to Iceland?

The cheapest time to visit is winter. We visited in early June, 2017 and did the ring road with a camper van, staying at campsites along the route. Parts of the country , especially the east, were chilly (into the 40s F) and there was rain and wind. However, most days were really pleasant, in the 50...
by tyrnup13
Sat Feb 24, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 11551

Re: Just had our offer accepted on a $1.4 Million House

Keeping that additional $140,000 is initially going to cost you 4.125% per year, or $5,775. If you already have a substantial investment portfolio, then I would definitely take the first option and put 20% down. That also gives you some room, in case the market declines and you are forced to sell.
by tyrnup13
Thu Jan 11, 2018 6:51 am
Forum: Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 3417

Re: Buy bonds until market correction

AlohaJoe said it perfectly. I've had similar discussions with friends, but he states it so eloquently! This is worthy of framing and hanging on the wall!
by tyrnup13
Sat Sep 16, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 15692

Re: Companies/Brands You Love?

Casper (mattress company)
by tyrnup13
Tue Aug 29, 2017 4:03 am
Forum: Personal Investments
Topic: Taxable retirement account for young physician
Replies: 25
Views: 3675

Re: Taxable retirement account for young physician

You are doing great! I would also advocate for saving more initially, like 200-250 K per year to get a solid foundation. It is doable on your income and you can still live really well. It looks like you might be putting only 18k in your 401k each year. Is that correct? If so, can you increase to 54 ...
by tyrnup13
Mon Aug 28, 2017 4:41 am
Forum: Investing - Theory, News & General
Topic: Cant get my head around this..All Bonds in non-taxable OR...
Replies: 23
Views: 4377

Re: Cant get my head around this..All Bonds in non-taxable OR...

I am in a similar situation as you and faced the same dilemma a couple of years ago. I read the article on WCI that you referenced. Ultimately, I decided to split the difference and have half of my bonds in my 401k (FSITX--Fidelity US Bond Fund) and half in taxable (VWIUX--Vanguard Intermediate-Term...
by tyrnup13
Wed Jun 21, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 9233

Re: Google Fi? pros/cons? anyone using it?

I am a fan of wifi calling and currently use Republic Wireless. My wife has Fi and it has been an enormous benefit when we travel internationally. Fi has service in most countries and the rates are good. I am switching to Fi next week, just waiting on my Pixel to arrive.
by tyrnup13
Tue May 30, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 8600

Re: Do I deserve it?

I definitely don't think you should buy a 35k car at that salary. You should cultivate responsible spending habits at this age. Could you invest in a nice bike to commute to work instead? As you described, there is an opportunity cost of car ownership too, because that money does not get invested. I...
by tyrnup13
Mon May 29, 2017 6:56 am
Forum: Personal Investments
Topic: 3 fund portfolio with munis
Replies: 4
Views: 956

Re: 3 fund portfolio with munis

I do something like this although I reserve the Intermediate Term Tax Exempt fund for my taxable account only and the I use Fidelity US Bond Index (FSITX) in my 401k. Roughly half of my bonds are in tax-advantaged accounts and half in taxable.
by tyrnup13
Sat May 27, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing the entire Year 401K in one Pay period allowed?
Replies: 22
Views: 4770

Re: Contributing the entire Year 401K in one Pay period allowed?

I contribute the full $18,000 to my 401k every January.
by tyrnup13
Mon May 22, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 7436

Re: Mexican Pacific Beaches

We went to Puerto Escondido last year. The beaches are very nice and most of the visitors are Oaxacans. The food is outstanding, traditional Oaxacan and coastal. Not a tourist haven. Tyrnup13 - how did you get to Puerto Escondido? I'd like to visit but all the flights look very long... I flew throu...
by tyrnup13
Mon May 22, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 7436

Re: Mexican Pacific Beaches

We went to Puerto Escondido last year. The beaches are very nice and most of the visitors are Oaxacans. The food is outstanding, traditional Oaxacan and coastal. Not a tourist haven.
by tyrnup13
Wed May 03, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 5271

Re: Visiting Paris for 8 days - what to do?

I took my oldest son to Paris in February. I would say to visit all of the typical places. In addition, we did some of the walking tours that one can find in guide books. We walked about 70 miles for the five days we were there, and that was a great way to see different parts of the city. Le Marais ...
by tyrnup13
Sun Apr 16, 2017 4:37 am
Forum: Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 12277

Re: Why would anyone want to buy bond funds?

Type this into Google and then read Vanguard's white paper: Should the prospect of rising rates push investors from high-quality bonds? So, with this knowledge and the fact that bonds provide portfolio stability, this is why I have bond funds. Plus, when equities decline, I can rebalance from bonds ...
by tyrnup13
Sat Apr 01, 2017 6:13 pm
Forum: Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 10270

Re: Is anyone decreasing % of bonds this year?

No. I plan on holding my bond funds forever. If they go down in value, I will buy even more to maintain my allocation. I honestly don't care if they go up or go down. Just keep it simple.
by tyrnup13
Sat Mar 25, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Anyone ever ship a bicycle?
Replies: 18
Views: 3759

Re: Anyone ever ship a bicycle?

I researched this in August of last year. This is what I did: 1. Got a quote from UPS and FedEx. It was way too expensive. 2. Got a quote from shipbikes.com. They are MUCH cheaper because they get a discount rate through the major shipping companies. I think I paid about $70 to ship from Indiana to ...