Search found 1580 matches

by JonnyDVM
Sun Dec 09, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11351

Re: 20M Inheritance - What is best option for small/no risk on principal?

No doubt a made up story from a throw away account. Regardless, anyone falling into that much money who would ask a group of strangers on the internet what to do with it should consult a good financial advisor. Is there a difference between managing 20 million, 2 million, or 20k? Yes. A significant ...
by JonnyDVM
Sat Dec 01, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3010

Re: Has anyone on this board painted over wallpaper?

Did this in my first house about a decade ago. Used a regular primer and a couple coats of dark paint. If you were really studying the wall you could tell it was wallpapered as the seams were faintly visible. Otherwise it looked like a normal wall. I was turning it into a rental eventually and didn’...
by JonnyDVM
Tue Nov 27, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 59
Views: 12051

Re: IRS tax letter triggered by Turbotax's 8606

I used turbo tax no problems. I stared at the 8606 before submitting it to make sure it looked exactly like what it was supposed to look like. I can see how someone would trip up on a question though. There sure were a lot of steps. Would be nice if they had a "I did a backdoor Roth conversion butt...
by JonnyDVM
Sun Nov 25, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7028

Re: What is your allocation to U.S. and International?

60/40 with the 10% imbalance driven by jingoism.
by JonnyDVM
Sat Nov 24, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 16965

Re: Do you need to invest mostly in stocks to get rich?

I’ve decided the ways to get rich relatively fast are: Picking the right single stock that rockets Owning your own successful business Identifying and jumping on an asset before it takes off (bitcoin) Earning a large salary and then being frugal to the extreme. The boglehead way is a way to get rich...
by JonnyDVM
Sat Nov 24, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?
Replies: 35
Views: 1705

Re: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?

The odds of something like that (coma) happening are astronomically slim and not worth spending a minute worrying about. COBRA is very easy to enroll in and worked well for me to cover a few months of health insurance after leaving former employer. It’s probably the best option for you.
by JonnyDVM
Thu Nov 15, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2180

Re: Did millennials really get the short straw?

Yes Huge student loan debts due to out of control tuition. Low paying entry level jobs. High costs of housing. No pensions. Political turmoil. Rising national debt. Rapidly escalating environmental concerns. Ouch. Sorry guys. But you brought this on yourselves with your irrational hatred of gluten.
by JonnyDVM
Sun Oct 28, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9349

Re: Girlfriend's Student Loans

Many teachers make decent money around 100k/yr in metro CA, with great benefits. I don't think 100k loan is a lot anyway. This really rubbed me the wrong way. This attitude is exactly why we’re in the current mess we’re in with student loans. 100k is a lot. No kid should come out of school with a t...
by JonnyDVM
Mon Oct 01, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3751

Re: Best neighborhoods in Atlanta

fortysixandtwo wrote:
Sun Sep 30, 2018 9:18 am
We like being able to walk to neighborhood cafes, bookstores, farmer's markets, and our local library.

Thanks!
Check out Brookhaven by Brookhaven Village (on Dresden Drive). Didn’t see that mentioned. The area is filled with families with young kids who like to walk to stuff.
by JonnyDVM
Fri Sep 21, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 39
Views: 2932

Re: Another Wifi extender thread

Cheap range extenders are garbage. They either don’t work well or don’t work for long. Get Google Wifi. It is worth the money. I didn’t want to pay for it either. I gave in and bought it a month ago based on advice in a recent thread here and I’m glad I did.
by JonnyDVM
Mon Aug 27, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7623

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

To me, it sounds like this money has caused a rift now for two generations. Unless specifically stated otherwise in a legally binding document I would suggest splitting it up four ways and be done with it.
by JonnyDVM
Wed Mar 07, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 2106

Re: Best Colorado Skiing

Just got back from Breck. Definitely could have used more snow this year. We found a few surprise ricks. Breck is better than Keystone IMO. Everyone tells me Vail is the best, but I found lodging to be significantly more expensive than the other resorts. If you’ve never been out there, I don’t think...
by JonnyDVM
Mon Feb 19, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 22
Views: 1828

Re: Golf Bag

I've had the Titleist carry bag for several years now. It's very lightweight and has held up extremely well. It wasn't cheap, but it was a purchase I do not regret making. Quality was worth it.
by JonnyDVM
Wed Jan 31, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2860

Re: Wireless Earbuds For Running (Updates for 2018?)

jayk238 wrote:
Tue Jan 30, 2018 6:56 pm
I reall like bose soundsport wireless
My wife got these for me as a gift. I would never have splurged on them for myself, but I agree. Get the Bose. You won't regret it. They sounds great and it stays in the ear well.
by JonnyDVM
Tue Jan 30, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What if Your Play Money Blows Up?
Replies: 31
Views: 4630

Re: What if Your Play Money Blows Up?

Play money is play money. Do whatever you want with it. There are no rules. Sell some. Let it ride. Take your original investment out and let the rest ride. Whatever. Last time I decide to sell something from my play money allocation I just used the funds to buy TSM. I'll hold it there until somethi...
by JonnyDVM
Sun Jan 28, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 26158

Re: In what ways could BogleHeads be badly wrong ?

Pandemics aside, I'm beginning to wonder if the secret to investing is to keep throwing money at the next potential big thing until you find the one that sticks. I have a friend who has made 10X his initial investment in crypto. Told me to get into it shortly after Bitcoin started to climb but I di...
by JonnyDVM
Sun Jan 28, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 26158

Re: In what ways could BogleHeads be badly wrong ?

Pandemics aside, I'm beginning to wonder if the secret to investing is to keep throwing money at the next potential big thing until you find the one that sticks. I have a friend who has made 10X his initial investment in crypto. Told me to get into it shortly after Bitcoin started to climb but I dis...
by JonnyDVM
Sun Jan 07, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 3063

Re: Teeth Whitening

Kor. It works. Full disclosure- by the end of week three one tooth hurt so bad I couldn't do it anymore.
by JonnyDVM
Mon Jan 01, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2396

Re: wireless earbuds for exercise - airpods or ??

gator15 wrote:
Sat Dec 30, 2017 10:31 pm
I have the bose wireless earbuds. They are outstanding. Sounds quality is good. Most important, they don't fall out of my ears whenever I run. I routinely shoot basketball with them in my ear and jump rope a lot and never had a problem with them falling out of my ear.
Second. Highly recommended.
by JonnyDVM
Mon Jan 01, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Did you get an Unexpected Year End Bonus because of the Tax Cut?
Replies: 44
Views: 3865

Re: Did you get an Unexpected Year End Bonus because of the Tax Cut?

I asked my boss if we would all be getting a raise since the corporate tax rate was going down so sharply. I got an lol.
by JonnyDVM
Sun Dec 10, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Do indoor cats need flea/tick/heartworm prevention year round?
Replies: 15
Views: 2888

Re: Do indoor cats need flea/tick/heartworm prevention year round?

I've seen fleas on an "indoor only" cat countless times. I can't say I've ever seen heartworm disease in an indoor only cat. Indoor cats can get infected with heartworm, but it's definitely not common. They would have to come in contact with an infected mosquito and even then transmission to cats is...
by JonnyDVM
Fri Dec 08, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 21760

Re: Call the top! - Bitcoin

$20,345

I hope this bubble bursts soon as this whole thing is killing me inside. Several months ago a friend said we should invest in crypto. I said it was stupid and listed multiple times all the reasons why it is stupid. And yet here we are.
by JonnyDVM
Fri Nov 24, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 7716

Re: Etiquette question: Paying for meals out & out of town guests

They were wrong but I would let it go. I offer to pay both as the guest and the host. Usually it works itself out after some arguing over who is going to pay.
by JonnyDVM
Thu Nov 09, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative Minimum Tax and Turbo Tax
Replies: 10
Views: 994

Re: Alternative Minimum Tax and Turbo Tax

It sure will tell you. In fact it calculates it as you go and if you owe alt min it will already be figured into the number representing your federal refund on the left hand side of the screen.
by JonnyDVM
Thu Sep 21, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 4352

Re: Gaps in new hardwood flooring

Flooring guy would know defective wood when he sees it. I would send it back and order from another source. What's another 2 weeks at this point ?
by JonnyDVM
Wed Sep 06, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need help understanding Georgia film tax credit. Has anyone used?
Replies: 0
Views: 370

Need help understanding Georgia film tax credit. Has anyone used?

Brief synopsis if you're not familiar with this. The state of Georgia offers generous tax credits to studios who film here. The studios can only use so much of the credit and sell off the rest for (roughly) $0.90 on the dollar. Individuals can purchase this credit and apply it to their own taxes. I ...
by JonnyDVM
Wed Sep 06, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 2228

Re: Sonos fans: how to take advantage of promotion

I have sonos throughout my home. I like it a lot. Didn't realize the technology was becoming obsolete. I think they still function and sound great. If it helps my previous research showed a concensus that two play ones is definitely a better option than a single play 3, and two play 3s are better th...
by JonnyDVM
Mon Jul 24, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan for a small business- Which one should I choose?
Replies: 1
Views: 295

Retirement plan for a small business- Which one should I choose?

I need to choose a retirement plan for a small business. I will have <10 employees. I want to be able to put away as much money for myself as possible. I'm being told a SIMPLE IRA is the way I should go. Complicating things is that I would like to be able to do a backdoor roth as well. If I have an ...
by JonnyDVM
Sun Jul 23, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4695

Re: Healthiest Beer for the Buck

Even vodka is pretty calorie dense, think I've seen that listed at about 100 cals per shot. Exactly. You order several of those mixed with soda water. It's only a few hundred calories and then if you're like my friend you'll abruptly walk several miles home without a shirt on and burn those calorie...
by JonnyDVM
Sun Jul 23, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 3782

Re: Would you chase down this possible hit and run lead?

The purpose of catching them is not to get compensated, but to get them in trouble with the law. Unfortunately, I don't think they'd get in that much trouble. And unless there was a witness, they could always say "it wasn't me". Being a responsible member of society is sometimes burdensome. That's ...
by JonnyDVM
Sat Jul 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4695

Re: Healthiest Beer for the Buck

SrGrumpy wrote:A nice thick Guinness has shockingly few calories. Not sure about the maltose/dextrose factor.
Only 210 calories per pint. Solid IMO. Fear of GMOs is way overblown and is totally without scientific merit. If you really want to "drink healthier" then beer isn't the answer. Switch to vodka.
by JonnyDVM
Fri Jul 21, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Should you tell your employers your age if you look too young?
Replies: 14
Views: 1669

Re: Should you tell your employers your age if you look too young?

Your employer from your resume should be able to approximate your age. If you're concerned that your young appearance may affect how people judge your ability to perform the job consider glasses with non prescription lenses. Not joking. Or you can have a child. That usually ages faces nicely. On tha...
by JonnyDVM
Wed Jul 19, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord update
Replies: 9
Views: 2080

Re: Accidental landlord update

It sounds like you're not expecting damages so I'd be annoyed but I'd just let it go. You could always ask to have a quick look around to inspect before they move out if you're nervous. Flip side of the coin is there are many unscrupulous landlords that will wrongly withhold security deposits. Your ...
by JonnyDVM
Wed Jul 12, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Wisdom Teeth Removal: Any experience?
Replies: 17
Views: 1484

Re: Wisdom Teeth Removal: Any experience?

Early 20's. Was knocked out by gas. Apparently I started singing and I also told the oral surgeon his office staffers were extremely attractive. One of my sites got infected. Worst pain ever. If not for the infection it wouldn't have been that bad, so I wouldn't worry. Worst case scenario you take a...
by JonnyDVM
Thu Jul 06, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 9620

Re: Should I still buy index funds now at such a high price before an impending recession?

Personally I think this is a troll. The name Summer2017 is most suspect. Regarldless, my advice for anyone thinking this would be four simple words- Read the Wiki.
by JonnyDVM
Mon Jul 03, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buy health insurance for one week in Cancun?
Replies: 12
Views: 1725

Re: Buy health insurance for one week in Cancun?

A lot of credit cards cover medical evac. I think the Delta Amex is one such card. I would check to see what your cards cover in case of a major problem. I've never much worried about it. For bad food poisoning or something how much could it possibly cost to see the doctor in Cancun?
by JonnyDVM
Sun Jul 02, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 6604

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

My understanding is abrupt movement like that is dictated by computer algorithms that self piolet. No doubt The majority of them react to similar variables. So some news or some critical ungodly complicated nummerical threshold was hit and the computers said "beep beep boop SELL SELL SELL" and there...
by JonnyDVM
Fri Jun 30, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 26
Views: 3551

Re: BH thoughts on money gurus

I like Clark Howard. Orman and Ramsey have been discussed on this forum so many times it's hard to keep track.
by JonnyDVM
Fri Jun 30, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can't find houses less than 3.3x income. Can we afford it?
Replies: 40
Views: 5490

Re: Can't find houses less than 3.3x income. Can we afford it?

The rule of thumb for house purchase goes out the window in many HCOL areas. The solution if you want a house there is to spend less on other things and plan to retire a few years later. Many people do it. 3.3X really isn't THAT bad relatively speaking. The 5X people really make me shake my head.
by JonnyDVM
Fri Jun 30, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 8558

Re: Should I move abroad to minimize health care costs?

We're all in the same boat. I'm not moving anytime soon. You already have a high deductible plan. Pick one that won't wipe you out in the event of a catostrophic health crisis. Plan to relocate when you retire when this risk is higher. This is sort of a silly question TBH. By your logic everyone wit...
by JonnyDVM
Fri Jun 30, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 57
Views: 22461

Re: Contractor took deposit but never did any work. What next?

denovo wrote:
I don't understand people who are willing to let a five-figure sum disappear without a fight.
Agree. This guy should be prosecuted. Unless he magically appears with a check for your money back.
by JonnyDVM
Fri Jun 30, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 23177

Re: Switching to Fidelity's new Total International Index (includes small cap!)

I'm waiting to switch to FTIPX until I can use It to tax loss harvest. Returns to FSGDX have looked more or less identical. I've been using VSS as a complement to FSGDX to tilt towards international small cap. I'd say it's been working well for me, but then again the performance of VSS would beg to ...
by JonnyDVM
Thu Jun 29, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 2440

Re: Lending people "things"

Sell it. He can get his own or buy yours off you. Easy solution
by JonnyDVM
Wed Jun 28, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 41
Views: 9901

Re: Cat teeth cleaning costs

I try not to reply to these threads since I do enough of this at work but I'll give my two cents. Your pre-op blood panel seems a little high. I'm assuming they're recommending a full senior panel. You may be able to ask about running a less comprehensive panel. Most vets have some level of flexibil...
by JonnyDVM
Wed Jun 28, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 2687

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I would fly but I think you could do either. Flights to Orlando are relatively cheap. Flying in this situation is a time saver, and that's a long boring drive.

We just did a five hour drive from ATL with a two year old and that went OK. We were definitely reaching her limit though.
by JonnyDVM
Tue Jun 27, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping floor subcontractors?
Replies: 12
Views: 1300

Re: Tipping floor subcontractors?

I tip for a lot of stuff but I wouldn't tip for that.
by JonnyDVM
Tue Jun 27, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 3154

Re: Cruise With The Grandkids

I noticed a lot of kids on our last Royal carribbean cruise. There was a rock wall, an outdoor theatre, a zip line and a surf simulator. Lots of things for them to do. I don't remember any inappropriate chicanery at the pool. That may be a decent option for you. The particular ship we were on was th...
by JonnyDVM
Tue Jun 27, 2017 6:07 am
Forum: Investing - Theory, News & General
Topic: Illinois: A slow swimming black swan?
Replies: 32
Views: 5727

Re: Illinois: A slow swimming black swan?

I feel like this situation is nothing new and wouldn't rattle the bond market much. If you buy Illinois backed bonds right now you know what you're getting yourself into. It's been this way for a few years now. A severe acute financial crisis in a previously stable state on the other hand- triggered...
by JonnyDVM
Mon Jun 26, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Best device for cleaning up after a dog from wall to wall carpet
Replies: 3
Views: 674

Re: Best device for cleaning up after a dog from wall to wall carpet

I got a rug doctor on Amazon for $240. I found it works much better than the uprights. It was more expensive, but after using it for a year I can definitely say it's a superior product.
by JonnyDVM
Sat Jun 24, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 35
Views: 3747

Re: Anything wrong with 100% US Stocks?

lazyday wrote:If Bogle told you to jump off a cliff, would you do it?
1/2 this forum would. 1/4 would question it, and the last 1/4 would ask if their nearest bridge would be an OK substitute cuz it's a big cost savings over the cliff.