Search found 611 matches

by hmw
Fri Aug 16, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: HCOL savings rates
Replies: 42
Views: 3191

Re: HCOL savings rates

ScroogeMcDuck wrote:
Thu Aug 15, 2019 11:01 pm
We're DINKs in San Francisco, bought our home 6 years ago.

$310k gross (excluding investment income)
$50k Fed tax
$20k state tax
$7k property tax
$200k savings (excluding employer 401k match and stock options)

You only spend 33k a year for 2 people? :shock:
by hmw
Sun Aug 04, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 3976

Re: "Duty Free" shops at Airports

I don’t buy cigarettes or alcohol since I don’t smoke or drink. I bought some perfume for my mom once many years ago. Since didn’t really know the regular price, I had no idea if I had a good deal. Agree with previous comments about buying Japanese delicacy at Narita airport. I usually buy a couple ...
by hmw
Tue Jul 23, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2074

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Surgeon here. OP, is your outpatient procedure a diagnostic one that may commonly lead to a therapeutic procedure? Some procedure rarely lead to another one, but some procedures can become more expensive if some abnormalities are found. Eg, a screen colonoscopy lead to several polypectomies. A diagn...
by hmw
Mon Jul 22, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

My brake light and vehicle dynamic control warning lights came on at the same time on my Subaru Outback. Instead of taking the car to the dealer, I did some googling. Found that it was probably caused by burnt out rear brake light bulbs. Yup, they were out. Bought new light bulbs for $8 at Autozone ...
by hmw
Fri Jul 12, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8966

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

I used to pay $20 plus a $4 tip at a barber shop.

Now I cut my own hair in front a mirror. My wife helps with my neck line.
by hmw
Wed Jul 03, 2019 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 110
Views: 11178

Re: Staying the course is so hard (support thread)

OP, you said you work over 300 hours a month and you get 15 days off a month. How is it possible? That works out to be over 20 hours of work a day? If 300 hours is more evenly distributed, that is still a ton of hours. Something like 70 hours a week. I am a surgeon and I work somewhere between 35 ho...
by hmw
Wed Jun 26, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1693

Re: Going to Ireland in July

OP here. Thanks for all the suggestions We will be arriving at Dublin airport Saturday pm and plan to take a taxi to our hotel. We will be staying at Conrad which seems to be within walking distance of most tourist attractions. Will take a taxi back to the airport on Tuesday am to pick up our rental...
by hmw
Mon Jun 24, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1693

Going to Ireland in July

We will be vacationing in Ireland for 8 days in July. We have a 8-year old. I have read some chapters from Rick Steve's book and Fodor's. We will be flying in and out of Dublin. Planning to stay in Dublin for 3 nights/2 full days before driving to the Southwest part of Ireland in a rental car. This ...
by hmw
Mon Jun 03, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39174

Re: For those who earn $500k+ per year. How'd you do that?

Coude wrote:
Mon Jun 03, 2019 6:25 am
$1.1M
Urologist
Midwest/suburban major city
34 years old
Employed group practice/RVU-based
Wow. Very impressive. 1.1 million must put you above 90th percentiles among urologists. Congrats!
by hmw
Sat Jun 01, 2019 12:01 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39174

Re: For those who earn $500k+ per year. How'd you do that?

I make a little over 900k a year. Subspecialty surgeon working 40 to 45 hours a week not counting on call hours. I don’t get called in very often while on call. I work outside of major metro areas therefore little competition, and relative high income for my specialty. I used to work 100 hours a wee...
by hmw
Sat May 04, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HMO
Replies: 18
Views: 1410

Re: PPO vs HMO

I am a physician.

Many MDs in my area do not accept HMO plans at all. This probably varies from place to place. Look into your network before buying a HMO plan.
by hmw
Tue Apr 23, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4985

Re: At what age did you buy your first first class airplane ticket?

Last year at age 56. There were two families with crying babies seated in front of me...not exactly what I expected. Wait, you were in first with families with crying babies?? Oh, man.... :oops: I have never had a screaming baby in international first class and in fact my son who has been so far 12...
by hmw
Tue Apr 23, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4985

Re: At what age did you buy your first first class airplane ticket?

I asked a similar question last year. https://www.bogleheads.org/forum/viewtopic.php?t=252393 We flew first class once on a trans-pacific flight when I was 37. Our son was a baby back then so we splurged. Haven’t paid for biz class or first class ticket ourselves with cash since then. For reference,...
by hmw
Thu Apr 18, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1906

Re: Is it worth renting a car in Vegas?

We usually rent a car when we go to Vegas because there are quite a few places we want to visit off strip. We always take uber if we are on the strip. I don’t remember the rule on child seat when using uber. I don’t think my 7-year old used a car seat when he was in a uber car. I don’t think every h...
by hmw
Tue Apr 09, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6891

Re: How Much Do You Pay For Haircut?

I used to pay $25 including tip every 5-6 weeks. My old barber shop was sold to a new owner who doesn’t seem to keep regular hours posted on the door. I went to another nearby barber shop and I was told that they don’t take walk-ins. :annoyed So I bought a pair of Wahl clippers for $18 on eBay and c...
by hmw
Fri Mar 29, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

dm200 wrote:
Fri Mar 29, 2019 11:57 am
hmw wrote:
Fri Mar 29, 2019 11:55 am
Didn't do all these today but in the recent past.

2. I bought a Wahl Clippers and cut my son's hair and my own at home. No hair disaster. :D
As a child, my mother would sometimes cut my hair.
It is quite a money saver. My Wahl Clippers cost $18. Hair cuts for two is $50.
by hmw
Fri Mar 29, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

1. replaced a parking light bulb and a low beam light bulb myself. The low beam light bulb was a pain to replace as I couldn't access it from under the hood. For some "simple" things like this, such as wiper blades or battery replacement - the local chain auto parts store will do it at no extra cha...
by hmw
Fri Mar 29, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7382

Re: Anybody else get a huge tax increase due to SALT deduction changes?

The recent tax changes was good to us. We were taking standard deductions before the tax change. I made a little more in 2018 than 2017, but paid 30k less in federal taxes.
by hmw
Fri Mar 29, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

Didn't do all these today but in the recent past. 1. replaced a parking light bulb and a low beam light bulb myself. The low beam light bulb was a pain to replace as I couldn't access it from under the hood. Replaced the serpentine belt myself. 2. I bought a Wahl Clippers and cut my son's hair and m...
by hmw
Tue Mar 26, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

neilpilot wrote:
Tue Mar 26, 2019 8:12 am
Trader Joe wrote:
Mon Mar 25, 2019 5:24 pm
I did not tip the Uber drivers today (two trips).
Another example of cheap, not frugal. I took a lyft home from the airport last night, used a 10% off promo and tipped the driver $4. Still saved about $10 off a taxi.
I don’t use uber regularly. Are you expected to tip on Uber?
by hmw
Fri Mar 22, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5463

Re: Do you still wear a necktie to work?

No. I am a surgeon. I remember that all the surgical attendings wore ties to their offices 20 years ago when I was a med student. All surgical residents and medical students were expected to wear a tie to the surgeons’ clinic.
by hmw
Wed Mar 20, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: BofA is improving their autopay
Replies: 15
Views: 1490

Re: BofA is improving their autopay

I have been autopaying statement balance for years. It is doable just not obvious how to set up. I think there are even 2 ways to do in online. See this post: https://thefinancebuff.com/autopay-bank-america-credit-card.html +1. Been doing this for at least a year. Autopays balance in full. Works pe...
by hmw
Sun Feb 24, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA newbie, transfer/roll over from Optum bank to Fidelity
Replies: 2
Views: 432

HSA newbie, transfer/roll over from Optum bank to Fidelity

I just opened a HSA account this year for the first time. My employer uses Optum bank. I front loaded my contribution of $6700 in January, and my employer contributes $25 a month. So I have $6750 sitting in cash in my Optum bank right now. I plan to use my HSA as an investment vehicle for the next 2...
by hmw
Wed Feb 13, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 38
Views: 2223

Re: One week family vacation in Miami/Fort Lauderdale Area

Utilizing your own SunPass on a rental in Florida... Sounds like you need to call SunPass after you rent the car and tell them your rental plate number. Toll Roads in Florida: Some interstate highways have tolls. Besides the Florida Turnpike (Ocala to Homestead), Alligator Alley (1-75 between Miami...
by hmw
Mon Feb 04, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Choosing an electric company in Texas
Replies: 16
Views: 1200

Re: Choosing an electric company in Texas

Thank you!

I found that texaspowerguide.com was very helpful.
by hmw
Sun Feb 03, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: How: cross-country shipping/moving
Replies: 17
Views: 812

Re: How: cross-country shipping/moving

If the stuff is not worth more than a couple thousand or so it's probably not worth doing. I'm a big proponent of this. A friend moved from Boston to Dallas. Brought his huge speakers and record collection on a small trailer behind his Volvo wagon. Sold everything else he owned, donated, gave away....
by hmw
Sat Feb 02, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Choosing an electric company in Texas
Replies: 16
Views: 1200

Re: Choosing an electric company in Texas

In my experience, renewal rates are largely in line, or slightly below, what is offered to the “general public” through power to choose. The whole deregulated electric industry is a bit of a scam. You’ve got to know what your kWh usage is and then you have to run the numbers on multiple plans to se...
by hmw
Sat Feb 02, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Choosing an electric company in Texas
Replies: 16
Views: 1200

Choosing an electric company in Texas

For people who live in Texas, do you change your electronic company every year to get the best deal? I find it very hard to comparison shop because our eletricity usage varies a great deal because of AC use in the summer. Usually our monthly usage is between 700 to 1200kw when AC is not in use. Will...
by hmw
Fri Feb 01, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: 5 days in Hong Kong - Seeking travel tips
Replies: 23
Views: 1858

Re: 5 days in Hong Kong - Seeking travel tips

We have been to HK a few times but we only stayed 2-3 days each time. 5 days in HK sounds a little too long to me. There isn’t that much to do if you are not big into shopping or eating Chinese food.

Maybe consider a day trip to Macau or Southern China?
by hmw
Sat Jan 26, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Maximum Travel Distance for Elementary, Middle and High School
Replies: 24
Views: 1549

Re: Maximum Travel Distance for Elementary, Middle and High School

Our son goes to a private school in a neighboring city that is 17 miles from our house. Usually takes 20 to 25 min drive each way. It is doable for us because our local public schools are horrible and DW is a SAHM. If both of us work full time, I think we will have a hard time driving the kid to sch...
by hmw
Sat Jan 26, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4651

Re: Do you ever feel overpaid?

Actually, I do. Not compared to others with my specific job, but when compared to others with similar hours and education. I am lucky that what I am good at and enjoy doing (most of the time) is well compensated. Unfortunately what different jobs earn is not always fair. In my view there are many j...
by hmw
Fri Jan 25, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45380

Re: What lifestyle creep made you happier?

Those of you flying first class - at what networth you started flying first class ? We are currently at 3M excluding home equity.I keep thinking may be one day when we reach 5M - I will think about first class. I asked the exact same question 6 months ago. See https://www.bogleheads.org/forum/viewt...
by hmw
Fri Jan 18, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 14517

Re: How much money did you receive from family? (Gifts/inheritance)

I paid for my own undergrad education with scholarships and summer jobs. I stayed at my parents' house with free meal and board as an undergrad.
My parents paid for my medical school. It was nice to start my career without any debt. My in-laws paid for my wife's college education and her first car.
by hmw
Wed Jan 02, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8788

Re: Your ideal home size

Our previous house was a 2400 sq ft ranch with a basement.

Current house is a 3800 sq ft with no basement.

My ideal home size is 3200 sq ft for a family of 3.
by hmw
Tue Jan 01, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1020
Views: 278221

Re: Share your networth progression

I didn't start keeping good records until recently. Started my 1st real high paying job in March 2009 at age 34 after many years of training. I think I had 100k in 2009. I have no detailed records between 2009 to 2012. We saved and invested in a combination of index funds and individual stocks. 12/...
by hmw
Tue Jan 01, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2412
Views: 434626

Re: What are you up YTD? [Year To Date]

-4.6% for 2018
by hmw
Wed Dec 26, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4635
Views: 1196333

Re: What Movie Have You Recently Watched?

We watched “A Christmas Carol” and “elf” over Xmas.
by hmw
Tue Dec 25, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4775

Re: Working Holidays for extra money.

I am a surgeon. I went to hospital to round on my patients this am after opening the presents. I don’t get paid extra for doing it. Just part of the job. If I choose to put myself on call for the hospital, I would be paid the usual on call stipend by the hospital. I chose not to be on call today or ...
by hmw
Sun Dec 23, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94526

Re: What frugal thing did you do today?

We watched a matinee movie for the price of $5.40 per person today.

Also rebooked our vacation car rental in January on Costco travel for a saving of $22. :happy
by hmw
Sun Dec 23, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4635
Views: 1196333

Re: What Movie Have You Recently Watched?

Just watched Aquaman with our 7-year old. It was a fun movie.
by hmw
Wed Dec 19, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3875

Re: Non-budgeters: How do you handle large purchases?

We don’t budget but we have a high income and live below our means. We usually keep about 40k to 45k (about 3 months worth of household expenses) in our saving account. The last time we had rather large unexpected expense was when we had to buy a new car after the old car was totalled. If we need me...
by hmw
Mon Dec 17, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 6086

Re: How much do you pay for cable/internet/cellphone

Internet: $40
No cable TV
Netflix: $11
Hulu: $8
HBO: $15
Cell: $80 for two lines with Cricket

Total: $154
by hmw
Mon Dec 17, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Vancouver BC/Vancouver Island Trip Summer 2019
Replies: 13
Views: 981

Re: Vancouver BC/Vancouver Island Trip Summer 2019

I agree with Granville island.

Also would recommend UBC anthropology mueseum.

In terms of food, Vancouver has some of best Japanese and Chinese food in North America if you like Asian food.

We also did Harley Castle years ago. It was fun if you like X-men.
by hmw
Mon Dec 03, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4519

Re: Home Purchase Price vs. Gross Income

We bought our first house in 2009. MCOL, ratio= 1.62

2nd house in 2014. Also MCOL, ratio=0.65
by hmw
Sun Nov 25, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5775

Re: What’s your “barometer” for luxury purchases?

I don’t have a rule of thumb for luxury purchases. See my previous thread on flying business class https://www.bogleheads.org/forum/viewtopic.php?f=11&t=252393&hilit=Business+class I am pretty frugal by nature and also by my upbring. DW less so. As our income and asset grew over the years, our spend...
by hmw
Sun Nov 25, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 14583

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I would put too much weight on what kind of car your doctor drives. However, I would be a little wary of the physician who has a share of ownership of a testing facility and order a very “comprehensive” set of tests far more frequently than what is commonly accepted. Unfortunately it is hard to most...
by hmw
Sun Nov 25, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4635
Views: 1196333

Re: What Movie Have You Recently Watched?

Just watched “Ralph destroys the internet” with our 7-year old. He liked it.
by hmw
Fri Nov 23, 2018 2:11 am
Forum: Non-US Investing
Topic: Affordable living for retired father in Ontario, Canada making ~1200/mo?
Replies: 11
Views: 1624

Re: Affordable living for retired father in Ontario, Canada making ~1200/mo?

Ontario is pretty big. I’d imagine that the rent is a lot higher in Toronto than Windsor. Can your dad move to a city with lower COL?

Personally I would considering sending him money each month before buying a place in Ontario.
by hmw
Fri Nov 23, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 10154

Re: What financial information do you share with your family and relatives?

My father knows my annual income and NW. I also know his NW. I wouldn’t be comfortable discussing income and NW with the extended family. But I don’t mind telling relatives how much I paid for our house and cars. Those are pretty easy to figure out anyway.