Search found 636 matches

by hmw
Wed Nov 06, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6131

Re: Fidelity - promotion bonus

They may call you and offer your a bonus after you transfer out your money. So I did a partial transfer out of Fido to take advantage of bonus offer from Schwab. Someone from Fido called me a week later and asked if they can offer a bonus to bring money back. I didn’t want to transfer money from Sc...
by hmw
Tue Nov 05, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6131

Re: Fidelity - promotion bonus

They may call you and offer your a bonus after you transfer out your money. I have an account at Fido. I emailed them about the recent Schwab bonus offer and asked if Fido could match it and give me a retention bonus. They said no and offered me 75 free trades. I told them that it was not good enoug...
by hmw
Mon Oct 28, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8787

Re: How much do you plan to spend on your children's weddings?

How much to spend really is an individual choice. I can offer one data point. We got married 10 years ago. Our wedding cost about 30k and I paid for the whole thing. My parents offered to pay but I declined. We had about 150 guests. I had a net worth of about 100k then and my annual income was about...
by hmw
Sun Oct 27, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Abnormal car brake disk wear?
Replies: 13
Views: 817

Re: Abnormal car brake disk wear?

You could smell and feel for that side having gotten too hot for the next several times after you return from a drive, and consider jacking up that corner and see if the wheel turns freely or if your hear any scraping. Those things might raise your comfort level. I don’t know what the “normal” smel...
by hmw
Sun Oct 27, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15100

Re: I no longer plan on retiring early

Hello Bogleheads, I wanna share this « milestone ». I have pursued early retirement for the past 6-7 years and If things go smoothly, I should hit my number in 3-4 years, and retire prior to hitting 50. That was the plan. According to our IPS, number to retire was 2M, spouse wants to keep working f...
by hmw
Sat Oct 26, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15100

Re: I no longer plan on retiring early

Hello Bogleheads, I wanna share this « milestone ». I have pursued early retirement for the past 6-7 years and If things go smoothly, I should hit my number in 3-4 years, and retire prior to hitting 50. That was the plan. According to our IPS, number to retire was 2M, spouse wants to keep working f...
by hmw
Sat Oct 26, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Abnormal car brake disk wear?
Replies: 13
Views: 817

Re: Abnormal car brake disk wear?

You'll have to post a picture so I can know what you mean. Brake discs are not supposed to be "sharp." Here are the images. The one with my car key shows a small rounded edge. https://postimg.cc/gallery/sf2tt4vy/ Thanks And your sure that the rounded edge wasn't there when it was new? Doesn't look ...
by hmw
Sat Oct 26, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Abnormal car brake disk wear?
Replies: 13
Views: 817

Re: Abnormal car brake disk wear?

whodidntante wrote:
Sat Oct 26, 2019 3:09 pm
You'll have to post a picture so I can know what you mean. Brake discs are not supposed to be "sharp."
Here are the images. The one with my car key shows a small rounded edge.

https://postimg.cc/gallery/sf2tt4vy/

Thanks
by hmw
Sat Oct 26, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Abnormal car brake disk wear?
Replies: 13
Views: 817

Re: Abnormal car brake disk wear?

Might check and see if caliper pins require lubrication. Caliper may be binding. Had this on a Honda Accord. Use proper lubricant for disc brakes. The 2 caliper pins are slightly different. One has a rubber boot on the pin itself. When I took the pins out, the one with the rubber boot was pretty st...
by hmw
Sat Oct 26, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Abnormal car brake disk wear?
Replies: 13
Views: 817

Abnormal car brake disk wear?

I just replaced my front brake pads and disks a week ago myself on my 2012 Subaru Outback 3.6R a week ago. The brakes seem to work just fine. No weird noise or anything. I saw that the outer most edge of the driver’s side disk is not sharp anymore. It seems to be worn out a little. The passenger sid...
by hmw
Fri Oct 11, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Need help !!! US or Canadian universities?
Replies: 56
Views: 3446

Re: Need help !!! US or Canadian universities?

OP, I think it is crazy to spend half of your life savings (200k) on your son's college when you will need it for your retirement. I think you should let your son apply to Cornell, and some in state public universities and some top Canadian ones. See where he gets in, and what the final cost are at ...
by hmw
Wed Oct 09, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15834

Re: How many are switching from Fidelity?

Schwab is offering you a promo: https://www.schwab.com/public/schwab/nn/investor_reward.html Bonus tiers: $200 bonus for $50,000–$99,999 deposit $300 bonus for $100,000–$249,999 deposit $600 bonus for $250,000–$499,999 deposit $1,200 bonus for $500,000–$999,999 deposit $2,500 bonus for $1,000,000+ ...
by hmw
Sun Oct 06, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15834

Re: How many are switching from Fidelity?

Just curious how many Bogleheads are switching from fidelity to TD Ameritrade, Schwab, or ETrade with the dropping of commission fees? I have accounts at vanguard and Fidelity, and was considering moving the Fidelity accounts to one of the companies that has dropped commissions. I have already aske...
by hmw
Sun Oct 06, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15834

Re: How many are switching from Fidelity?

I have no plan to transfer my money from Fidelity. I make so few trades in my Fidelity account that free trades has very little value to me. However, I am not putting any new money into Fidelity either. Fidelity used to offer American airline points if I transfer $50k or $100k which was nice. I can ...
by hmw
Sat Oct 05, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Where to put short-term cash at TD Ameritrade
Replies: 2
Views: 292

Where to put short-term cash at TD Ameritrade

I have some cash at TDA earning next to nothing. I am wondering what other BHs do with their cash at TDA? One of the money market ETF or short duration bond ETF? https://www.investopedia.com/articles/etfs-mutual-funds/070916/top-4-money-market-fund-etfs-2016-shv-near.asp One of these 4 ETFs? thanks
by hmw
Sat Sep 21, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1142

Re: The US is more expensive to be self-employed than Canada

OP, one thing to consider is that your future social security checks will be much larger than your CPP checks because your contributions are larger during your working years.

I agree that at 75k income level, the taxation difference is not large.
by hmw
Tue Sep 17, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4065

Re: International Medical emergency story [travel to Canada, no insurance]

I'm assuming Canada does not have something similar to US EMTALA laws. No. All Canadian citizens and legal residents are insured by their provincial plans. So it is an non-issue for residents of Canada. I think there is some details missing from the OP. Did the patient have acute coronary syndrome ...
by hmw
Thu Sep 12, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: American kids attending Canadian Universities??
Replies: 22
Views: 2714

Re: American kids attending Canadian Universities??

I know nothing about U Vic. My wife did her undergrad at UBC over 20 years ago. I think her major was Commerce. Her siblings and a number of her cousins went to UBC. I know two of her cousins did computer science at UBC. One had her first job at Microsoft at Redmond after doing summer jobs at MSFT. ...
by hmw
Fri Sep 06, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1245460

Re: What Movie Have You Recently Watched?

Angry bird 2
by hmw
Fri Aug 30, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1719

Re: for those diy’ers - how easy is it to replace an alternator?

I have not changed an alternator before. But I changed my serpentine belt myself on my Subaru Outback earlier this year. It was an easy job.
by hmw
Sun Aug 25, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Physician first job offer negotiation advice
Replies: 8
Views: 1496

Re: Physician first job offer negotiation advice

I am a MD on my 2nd job since finishing training. Salary is always negotiable. For many specialties, the salary for new grads will be lower but generally one should expect move up the regional median after 2-3 years. It is important to get a good starting salary because all your future raises will b...
by hmw
Sat Aug 24, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6263

Re: Physician quality and experience

TheNightsToCome wrote:
Fri Aug 23, 2019 11:48 pm
A physician fresh out of training may be very good. How good depends on the individual and the training rec'd.

However, any physician who isn't better after 5-10 years of practice is doing something wrong.
Agree!
by hmw
Sat Aug 24, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8941

Re: Do you sacrifice to save?

We sacrifice to earn more money. We live at a location that we don’t particularly like. But I can earn 80% to 100% more at our current location compared to a more desirable city.
by hmw
Thu Aug 22, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17624

Re: White collars- How much is your work downtime?

A few MDs have chimed in and I will too. I am an internist. Very little downtime, less than 10% on average, perhaps even "negative" many days as I am at the hospital past my scheduled work hours on many days. Skip lunch often. Even If I get done seeing all my patients early, there is documentation ...
by hmw
Wed Aug 21, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - replacement cost
Replies: 24
Views: 1438

Re: Homeowner's insurance - replacement cost

I just renewed our homeowner’s insurance recently. I am also a little surprised by how much personal property is insured. The premium for personal property is not listed as a separate line item. Our house is insured for about 500k replacement value and our personal property inside is insured for $30...
by hmw
Fri Aug 16, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: HCOL savings rates
Replies: 43
Views: 3681

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: 4154

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: 2241

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: 1082
Views: 119771

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: 10206

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: 141
Views: 15012

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: 1802

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: 1802

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: 40289

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: 40289

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: 1560

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: 5247

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: 5247

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: 2011

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: 7191

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: 1082
Views: 119771

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: 1082
Views: 119771

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: 7748

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: 1082
Views: 119771

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: 1082
Views: 119771

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: 5987

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: 1601

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: 667

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: 2350

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: 1248

Re: Choosing an electric company in Texas

Thank you!

I found that texaspowerguide.com was very helpful.