Search found 1693 matches

by JonnyDVM
Wed Jul 17, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

:!: I would take pictures and document everything, including all bills and cleaning fees. Keep the deposit and wait for litigation in small claims court by the ex tenant. Have all your ducks in a row, just in case. +1 Document thoroughly. Keep security deposit. Do not ever sink a lot of lot of money...
by JonnyDVM
Tue Jul 16, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 63
Views: 6006

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

I have returned to post an update. Last week I won my small claims court case for full amount + filing fees + cost of independent appraisal. I sued the other driver and his insurance sent me a check for the full amount. Funny as I would have settled for 1/4 of the amount I won. Good for you. Way to...
by JonnyDVM
Tue Jul 16, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4717

Re: Do you care about your home appreciating?

I care about all of my assets appreciating, including my home. Seconding. Yes. It’s a double edged sword. We’re staying here for the long term. I like the sharp appreciation we’ve experience as it makes me feel like we made the right decision to buy and adding to net worth always feels good. On the...
by JonnyDVM
Sun Jul 14, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7546

Re: No A/C in Office [not a safe work environment]

I’ll make a snap judgement. Find a new job. There’s plenty of them around. This doesn’t sound like a great place to work.
by JonnyDVM
Thu Jul 11, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 61
Views: 6613

Re: Fidelity Expands Their Index Fund Lineup

corn18 wrote:
Thu Jul 11, 2019 5:58 pm
The SEC filings showed a go live date of 2021.
BOOOO. I want to invest in this now!
by JonnyDVM
Tue Jul 09, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7989

Re: Who cuts your hair? And for how much?

A local stylist. She charges $35. I generally give her a c-note cause I had to work stupid hard when I was young. I also give my house keeper a two month bonus at the end of the year. Working hard is hard. When you have done alright, you share when you can. Most un-boglehead thing I’ve read on here...
by JonnyDVM
Tue Jul 09, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5985

Re: my best new travel tip only $2 per day more [airport parking]

Costco has 5 days of ATL airport parking for $30. Sweet deal. It’s off site but a short shuttle ride away.
by JonnyDVM
Mon Jul 01, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2121

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

Pay to fly a family member in for a few days if they are willing just in case. We paid our nanny extra to come in the middle of the night when it was time. Do you have a sitter you occasionally use? They might be willing to be on call for a nice fee. I would be willing to pay pretty much any price f...
by JonnyDVM
Mon Jul 01, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 2991

Re: Feels like never enough in savings?

Your E-fund is constantly being eroded away by inflation. The interest you make on it is taxable. There are better places to put additional money than throwing on this savings pile. Even a bond fund would be better.
by JonnyDVM
Fri Jun 28, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3356

Re: Outdoor Fire Pit - Wood vs. Gas?

I like wood. There’s something embedded in our DNA when it comes to socializing around a wood fire. I have also cooked on it. We have gas fireplaces inside wood outside. Gas is easier, I can’t argue with that.
by JonnyDVM
Tue Jun 25, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22760

Re: Crypto bulls are back. Are you getting in?

Ok. I’ll admit I’m starting to think I should consider getting in on this. I have maintained, and still maintain crypto is incredibly stupid. But other people, for reasons that continue to elude me, seem to think otherwise. They passionately believe in this stuff. I’ve talked to them. It’s true. The...
by JonnyDVM
Mon Jun 24, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4375

Re: Triage in ER - charged $790

Boy stories like this make me think.... but the rational side of me says: pay the bill and move on. America has such a supremely low tax rate for those who live from investing you come out way ahead. For those pulling 100k per year in investing, you could get dinged by 20k per year in medical bills...
by JonnyDVM
Sun Jun 23, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

Only poker, blackjack, and craps. Poker for reasons already stated. Blackjack and craps because I can goof around with my friends and have a good time. I had a friend who taught me how to count cards. I enjoyed sticking it to the house from a mathematical perspective at first, eventually, I realized...
by JonnyDVM
Sun Jun 23, 2019 3:02 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 15137

Re: What percentage of total portfolio in REIT's do you have? Why?

10%. It makes sense to me as a diversification tool. The only gripe I have is the tax inefficiency. That much REIT tilt takes up a lot of tax advantaged space.
by JonnyDVM
Sun Jun 23, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: For those who tip valet and/or dog kennel
Replies: 11
Views: 1308

Re: For those who tip valet and/or dog kennel

Valet is getting $4 or probably $5. Kennel staff doesn’t expect tips. I’m sure they would take them, but don’t feel obligated.
by JonnyDVM
Sat Jun 22, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8939

Re: Frugal or cheap?

Answer to OPs question- cheap. You’re being cheap.

Agree with everyone else. Spending 100k on an addition seems odd. Makes more sense to buy a larger house.
by JonnyDVM
Fri Jun 21, 2019 6:17 am
Forum: Investing - Theory, News & General
Topic: A.I. Index Funds?
Replies: 12
Views: 1525

Re: A.I. Index Funds?

I asked the same question a few years back. The answer, unfortunately, seemed to be that the companies doing the most AI work are already a huge part of the US index: google, amazon, ect or are private. I could not find much to invest in but I would still be interested if I could find something!
by JonnyDVM
Tue Jun 18, 2019 6:36 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 50
Views: 5108

Re: Should I invest 100k into a total index or do it slowly

If you’re going to be despondent if the market drops 20% the day after you lump sum then DCA. If not, then lump sum it and learn how to be excited about tax loss harvesting.
by JonnyDVM
Sat Jun 15, 2019 3:01 pm
Forum: Personal Investments
Topic: HSA investment advice
Replies: 25
Views: 2410

Re: HSA investment advice

harmoniousmonk wrote:
Mon Jun 10, 2019 10:54 am
Roll into Fidelity and 100% FZROX
This exactly. No fees. I have half in FZROX and half in a microcap fund. Best to take advantage of what is currently tax free growth imo.
by JonnyDVM
Sat Jun 15, 2019 6:01 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 22054

Re: How have your homes as investments done?

I’m kind of surprised more bogleheads weren’t able to capitalize on the must depressed real estate prices in generations. Maybe most of us already owned homes and kept them during that big dip in real estate prices. That’s true. It is generally an older crowd here. I was fortunate to be right place...
by JonnyDVM
Fri Jun 14, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 22054

Re: How have your homes as investments done?

I’m kind of surprised more bogleheads weren’t able to capitalize on the must depressed real estate prices in generations.
by JonnyDVM
Mon Jun 10, 2019 6:11 am
Forum: Investing - Theory, News & General
Topic: Is it bad to look at debt (student loans) like this?
Replies: 39
Views: 3083

Re: Is it bad to look at debt (student loans) like this?

Student loans are paid post tax so you’d have to have a higher salary in A to equate to B. Not net equal. A bank would also see these two differently if you were trying to get a loan for a home. It is not unfair to favor one over the other.
by JonnyDVM
Sun Jun 09, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9425

Re: Do you carry Umbrella Insurance?

In the vast majority of cases against you are going to settle for within your policy limits. I’m so tired of paying for insurance. Auto, home, life, disability, professional liability, umbrella, health, dental, it never ends. Tons of money every year. It adds up! Being responsible is too expensive.
by JonnyDVM
Sun Jun 09, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 26094

Re: Can I afford this 2.3 million dollar home?

I find this forum very good for investing advice but often not so good for personal financial decisions. Any “ should I buy it “ post is almost always met with numerous “no’s” You can’t really afford it. You could lose your job or get hit by a bus and not be able to make payments. You should pay for...
by JonnyDVM
Sun Jun 09, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1759

Re: How to donate to a non profit organization anonymously?

Donor advised fund. You need 5k to start one. Fidelity offers one. It seems to work pretty smoothly.
by JonnyDVM
Sat Jun 08, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9425

Re: Do you carry Umbrella Insurance?

a couple hundred bucks to protect a million dollars is the best value you can get in the insurance game. crazy not to have it. To that I would say the insurance companies wouldn’t sell it if it wasn’t profitable for them. The odds of a claim are Infinitesimally small. That being said, I begrudgingl...
by JonnyDVM
Sat Jun 08, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8582

Re: Costco or Sam's Club?

Costco and it's not even close. There's nothing that's better at Sam's Club than it is at Costco. Many items are similar quality/price, but many other items are better at Costco than Sam's. Costco is significantly better and I’m willing to fight any man that tries to claim otherwise. Just don’t go ...
by JonnyDVM
Sat Jun 08, 2019 6:08 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3476

Re: Sports classes in Universities

Many moons ago, I had to pass a swim test when starting college. Also required was 4 semesters of Phys Ed. Same requirement no matter what your major was. If you couldn't pass the swim test, you were automatically put in swim class for your first semester of Phys Ed. That’s very interesting. There’...
by JonnyDVM
Sat Jun 08, 2019 5:59 am
Forum: Personal Finance (Not Investing)
Topic: ReFi home to get 3.5% interest rate?
Replies: 31
Views: 3105

Re: ReFi home to get 3.5% interest rate?

I wouldn’t do it. I think if I could get 3% or better I’d give it serious consideration.
by JonnyDVM
Sat Jun 08, 2019 5:51 am
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 118
Views: 10512

Re: why are Small Caps falling?

...The evidence seems to be that it is not easy to harvest a long-term small-cap factor premium with a small-cap blend portfolio. Some of the most recent research suggests it requires a concentration on micro-caps and robust quality screens... And "concentration on microcaps" isn't easy to do, eith...
by JonnyDVM
Fri Jun 07, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Everyone ought to be required to have an umbrella policy and life insurance!
Replies: 13
Views: 1472

Re: Everyone ought to be required to have an umbrella policy and life insurance!

This forum includes among the most responsible in society. From what I can ascertain most have umbrella and life and sometimes debate the merits of 3 million vs 5 million umbrella. The rest of society is not so responsible. Many do not even have the mandated auto insurance because they cannot afford...
by JonnyDVM
Wed Jun 05, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6175

Re: Suggestions on fraudulent medical bill

I don’t think there’s anything you can do. This is more of the insurance companies problem. As long as you were examined appropriately by someone and treated correctly, that is what’s most important. There are definitely docs that go out of there way to charge the patient/insurer more. To think othe...
by JonnyDVM
Wed Jun 05, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 4644

Re: Being given charity that I don't need

I think you should consider buying some new shirts
by JonnyDVM
Wed May 29, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 26094

Re: Can I afford this 2.3 million dollar home?

Yes. If this is the house you are sure you want, you can definitely afford it. 2.5X gross or less is a good comfort zone for a mortgage. We also upgraded large a few years back after paying down debt. We stretched our comfort zone a wee bit to get exactly what we wanted, where we wanted. Zero regrets.
by JonnyDVM
Fri May 24, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8721

Re: Anyone else looking forward to Game of Thrones?

I guess I am not the only one upset at this season. Pretty terrible final episode (and final season in total) huh? Guess I will be reading the book :annoyed https://static01.nyt.com/images/2019/05/16/us/game-of-thrones-imdb-ratings-promo-1558052978407/game-of-thrones-imdb-ratings-promo-155805297840...
by JonnyDVM
Wed May 22, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8721

Re: Anyone else looking forward to Game of Thrones?

That was terrible and I’m still mad about it. Tyrion’s speech at the end about wiener Bran was insufferable. Posting about it is just making me angry again :annoyed Ten years for that ???? All that great character development wasted. I had modest expectations considering the rest of the last two sea...
by JonnyDVM
Sat May 18, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6317

Re: Why do plumbers get paid so well?

It’s not all water they’re dealing with. I am cheap (obv since I’m on this forum) and tried to do plumbing myself once. Didn’t tighten a connection well and flooded my house a bit. Came back from the gym to a waterfall down my living room wall. I considered doing the $1200 drywall repair myself as w...
by JonnyDVM
Fri May 17, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6773

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

I make a point to open a nice bottle of wine to celebrate. We just hit a nice milestone ahead of schedule and broke out the Caymus. It maybe coincidence, but there has definitely been an uptick in our spending lately. I’m still hesitant to pull the trigger on a new car though, even though I could us...
by JonnyDVM
Thu May 16, 2019 6:30 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 8432

Re: Did you buy the 600+ dip last week ?

Unless you moved a serious chunk of money, the impact of “buying this dip” will be nothing in the grand scheme of investing. For a forum of “ignore the noise” rationale I see a lot of folks focusing on the noise when it gets them an extra $100 but writing off when the opposite happens as “noise”. D...
by JonnyDVM
Wed May 15, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 8432

Re: Did you buy the 600+ dip last week ?

Yes and I was l, and still am, very excited about it :greedy
by JonnyDVM
Sat May 04, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3302

Re: Birthday party- No gifts

Too much plastic junk out there. About a year ago I started bringing a bottle of wine to the host family! No plastic crap and the parents seem to enjoy it! Now some families bring us wine and these gifts are definitely being used. Circle is complete! Agree. My kids do not need any more cheap plasti...
by JonnyDVM
Fri May 03, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 5306

Re: Short BYND? (beyond meat, IPO today)

Blueskies123 wrote:
Thu May 02, 2019 3:06 pm
I think the companies working on lab-grown real meat will have a better chance.
That was exactly my line of thinking too. But who are those companies? That is going to take a little digging.
by JonnyDVM
Sat Apr 27, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4081

Re: Wifi extenders vs Mesh network

We got the Google system and it works great. Solved all of our problems. There have been several recent threads about it. +1 Ditto. I can’t emphasize this enough. Go mesh! I gave in and got the mesh network specifically because of the advice of this forum as I was hesitant to drop $300. I should ha...
by JonnyDVM
Thu Apr 25, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4081

Re: Wifi extenders vs Mesh network

We bought the Google wifi mesh system a year or two ago. It is a great system. Good coverage throughout our house, fast speeds and I can move around with no issues. I was hesitant because of the cost but it is worth it. The mesh network is far superior. I put google Wifi in a year ago and there’s n...
by JonnyDVM
Fri Apr 19, 2019 6:47 pm
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 53
Views: 5130

Re: Ever Too Much in HSA?

I am almost exactly like you in age and HSA funding. Unlike some others, I think American health care will eventually reach a tipping point and we won’t be expected to spend $800,000 on average on healthcare in retirement. That being said, the HSA is a great vehicle to save and worst case scenario y...
by JonnyDVM
Wed Apr 17, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3627

Re: Do you pick up after renting a vacation rental?

Have an owner keep a chunk of your security deposit one time for extra cleaning when you rented a house with a large group on spring break and I can assure you that you will make sure every future rental is in wonderful shape when you walk out the door.
by JonnyDVM
Fri Apr 12, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3080

Re: Received wrong vaccine...

Did the doctor legitimately think you needed it for some reason or was it a total “I ordered the wrong thing” accident ? Either way I would probably say something. If they’re going to totally disregard what you check off, why bother giving you the sheet?
by JonnyDVM
Thu Apr 11, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22760

Re: Crypto bulls are back. Are you getting in?

I’m a hard pass, but if you’re interested, I agree now is as good a time as any.
by JonnyDVM
Thu Apr 11, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Which bonds in taxable?
Replies: 19
Views: 2269

Re: Which bonds in taxable?

I had a muni fund in taxable. The return was so terrible I just gave up trying to save on taxes and switched to Total Bond.
by JonnyDVM
Wed Apr 10, 2019 9:32 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 13143

Re: International under-performance

Seems like over three out of 4 10 year periods international did better, not worse than U.S. People like to focus on whatever time periods they want or the last 20 years, etc, but maybe U.S. will outperform for a while, or maybe not. What I know is the international markets are cheaper than U.S. an...