Search found 579 matches

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: 117
Views: 12193

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: 8299

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: 903
Views: 232979

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: 2299
Views: 400033

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: 4054
Views: 1102598

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: 4559

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: 580
Views: 59757

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: 4054
Views: 1102598

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: 3543

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: 5731

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: 910

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: 4415

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: 5571

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: 14001

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: 4054
Views: 1102598

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: Personal Finance (Not Investing)
Topic: Affordable living for retired father in Ontario, Canada making ~1200/mo?
Replies: 11
Views: 1569

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: 9814

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.
by hmw
Thu Nov 22, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15222

Re: Black Friday 2018

I am buying 3 ancestry kits from 23andme for $49 per kit.
by hmw
Wed Nov 21, 2018 2:41 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: 14001

Re: Physician Credentials: Offshore vs. American Medical Schools

I am a subspecialty surgeon.

I would put more weight on the residency/fellowship training program over the name of the medical school.
by hmw
Mon Nov 12, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1136

Re: Help! yet aother PPO vs HDHP plan

Seems to me the less you pay overall the better, even if you hit the deductible later in the year. I use the coupon price and then, later in the year once I've hit the deductible because of other expenses, submit the receipts for reimbursement. I have thought about this. Sometimes the medication co...
by hmw
Mon Nov 12, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1136

Re: Help! yet aother PPO vs HDHP plan

Same thing with my employer, and I was going in the same direction UNTIL I LOOKED AT THE MEDICATION COVERAGE. PPO has the usual $10-$30 co-pays for meds, picking up the remainder of the costs. However, the HDHPs make you pay 100% of all medication costs until you meet the full (very high!) deductib...
by hmw
Mon Nov 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1136

Re: Help! yet aother PPO vs HDHP plan

OP here. Thanks for all your replies. I called HR this am and confirmed that there is an individual out of pocket maximum within a family plan. Our HDHP pays 80% of physician visits/labs etc after the deductible is met. We pay 10% of med cost before deductibles if the meds are for maintenance. I am ...
by hmw
Sun Nov 11, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1206

Re: Prepaying for Rental Car - Availability Guaranteed?

I have never pre-paid. Quite often you will get a free upgrade because the class of vehicle you booked is not available.
by hmw
Sat Nov 10, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1136

Help! yet aother PPO vs HDHP plan

It's time to enroll in my work place health insurance plan. We have always purchased the regular family PPO plans in the past. I have taken a closer look at the HDHP/HSA plan, and I think HDHP is a better deal. I just want to make sure that I am not missing anything and end up cost us more if we cho...
by hmw
Wed Oct 31, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3676

Re: The most you ever paid for a prescription

Drug prices seem to be very arbitrary. DW takes two generic meds and she pays $10 copay per month for each med. We are considering moving to a HDHP next year. The HDHP requires one to pay 10% of med cost. So I called the drug management company contracted by the health insurance company to inquire a...
by hmw
Sun Oct 28, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k for spouse with high income W2 husband
Replies: 8
Views: 626

Re: Solo 401k for spouse with high income W2 husband

We were in a similar situation a few years ago. DW ended up opening a solo 401k at Fidelity. It seems to be the best option.
by hmw
Sat Oct 27, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when relocating from Boston to Toronto
Replies: 28
Views: 2606

Re: Things to consider when relocating from Boston to Toronto

Years ago, visited Toronto many times. Much colder in winter than Boston. More snow as well. I lived in Toronto for 4 years, and in Massachusetts for 5 years. I don’t think Toronto is colder or have more snow than Boston. They are about the same. To OP Toronto is more diverse than Boston. Better et...
by hmw
Mon Oct 22, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 26116

Re: PSA: Don't buy a big house

What stick? https://www.homedepot.com/p/Commercial-Electric-11-ft-Pole-Light-Bulb-Changer-Kit-with-Attachments-CE-600SDLB12/100354521?cm_mmc=SEM%7CG%7CBase-NE%7CD27L%7C27-1_LIGHT_BULBS%7CNA%7CNA%7CDSA%7CAll+l_DE1+ef66%7c71700000038816640%7c58700004243074627%7c39700035245912516%7c1263867506-55953433...
by hmw
Mon Oct 22, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30811

Re: High End Wrist Watches (Gone Crazy)

Just curious, do you wear your expensive watches on a daily basis? Some minor scratches on the bracelet/case seem to be inevitable, and I assume it will negatively affect the value of the watch. Minor scratche don't have a big impact on the value of those watches. What will kill the value is sendin...
by hmw
Mon Oct 22, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30811

Re: High End Wrist Watches (Gone Crazy)

You guys are missing out. I have been an avid watch collector and the value of my watches have been increasing at least 5-10% per year. You just have to buy the right brand and model. You make more money in this than putting into funds. This is a good way to enjoy watches and still make money out o...
by hmw
Sun Oct 21, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Help with reattaching a wooden door knob
Replies: 6
Views: 490

Re: Help with reattaching a wooden door knob

The easiest thing is probably to just go to Lowe’s or Home Depot (or other hardware store) and get a larger screw. Remove the screw from a different knob and see if it fits. If so, take it with you and get the same size. Thanks for all the suggestions. I ended up going to Lowe's and bought a slight...
by hmw
Sun Oct 21, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 561
Views: 59738

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I tried to sign up for the promo today but I noticed that the new money has to be deposited by 10/31, not 11/5.
by hmw
Sun Oct 21, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Help with reattaching a wooden door knob
Replies: 6
Views: 490

Help with reattaching a wooden door knob

One of the wooden door knob on our pantry door has come off. The screw that secures the door knob appears to smaller than the hole inside the wooden door knob. Not sure how it was ever attached securely. Any suggestions? Take the wooden knob to home depot and see if I can buy a slightly larger screw...
by hmw
Sun Oct 21, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1430

Re: 2 rental car reservations?

midareff wrote:
Sun Oct 21, 2018 11:21 am
I have a problem with it. Car rental companies plan the number of reservations they can take and while they have experience with dealing with "no shows", it just isn't an honorable way to book travel.
+1
by hmw
Sun Oct 21, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6144

Re: Pull kids from school for vacations?

We have a 7-year old in Grade two at a private school. We were told by his teacher that DS can be absent up to 10% of the school year. I get the feeling that there is some flexibility with the 10% number as long as the student is doing well academically. We took DS out of school 3 weeks last year an...
by hmw
Thu Oct 18, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1681

Re: Car accident, diminished value claim?

OP here. I think the first Geico agent who told DW that all claims must go through them either didn't know what he/she was doing, or was BSing. DW called Geico again today and talked to another agent. DW explained our situation. DW was told that there is no need to make all our claims with Geico. Ge...
by hmw
Wed Oct 17, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1681

Re: Car accident, diminished value claim?

OP here. We ended up making the claim with our own insurance company, AMICA, and planned to make the dimished value claim with Geico separately. AMICA sent their damage appraiser and sent us a check for the repair. The repair is scheduled to be done next week. My wife called Geico today and asked ab...
by hmw
Sat Oct 13, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400033

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

After a rough week, my ytd return is 3.3%. 85/15 stock to bond.
by hmw
Sun Oct 07, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3902

Re: Income (US vs Europe)

I don't know about continental Europe, but I know MDs in UK are paid significantly less than their US counterparts. I knew some British trainees doing fellowships here and they told me that they would make about 100k pounds per year after they return home. That was about 10 years ago. Their US count...
by hmw
Sun Oct 07, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6909

Re: Best deals to buy iphones

This will not be applicable to most people. My wife just bought the latest iPhone at a discount. One of her relatives works for Apple. He can buy apple products at "friends and family" price at a 10% discount.
by hmw
Sat Oct 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10255

Re: What is your annual cost for health insurance?

We have a family PPO plan from work.

I pay $800/month, and my employer pays about $1200/month.

Individual/family deductibles are $1500/$3000. Outpocket maxiums are 4K/8k for individual and family.
by hmw
Sat Oct 06, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10255

Re: What is your annual cost for health insurance?

Man, 20k premiums make me wonder if it is better just to take the risk, save $20k/year, and then pay the uninsured rates at hospitals. I don't have the numbers handy, but at somepoint you have to do the cost/benifit analysis. I'd be curious if someone actually had the numbers handy? 20k will pay fo...
by hmw
Tue Oct 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1615

Re: Shows in Las Vegas for 6 and 8 year old

nocturne wrote:
Tue Oct 02, 2018 12:45 pm
+1 for the Mac King show at Harrah’s! Ask at the players club booth for a coupon for this show. It’s probably the best value entertainment in all of LV.
+1. My 7-year old son went to the Mac King show two years in a row. He really enjoyed it.
by hmw
Mon Oct 01, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 11312

Re: Anyone want to share their monthly budget? Here's ours

We don't budget and I don't keep track spending based on categories. We are a family of 3, and spent about 180k per year, or 15k per month after tax. Some the fixed monthly expenses are: Mortgage: $2400 Property tax: $750 auto insurance: $120 umbrella insurance: $25 home owner insurance: $200 water ...
by hmw
Mon Oct 01, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4093

Re: Salary negotiation: saying a number first on purpose?

Before getting on an airplane to interview, you should absolutely know at least a ballpark of what the position pays. Pay specific attention to base vs bonus. I've worked for a number of companies who cite an "up to" bonus number and when in the job, find that nobody in history has ever received mo...
by hmw
Mon Oct 01, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 35489

Re: Concierge medicine Worth It????

My last doctor went with MDVIP and I tried it. Stuck it out for about 1 year. I found it wasn't worth the cost. On my own and before the MDVIP change, I made huge lifestyle changes. I had a number of health issues and resolved them all - took a few years but did it. The doctor was a bit in disbelie...
by hmw
Sun Sep 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1345

Re: health insurance in Canada

One Ping wrote:
Sun Sep 30, 2018 12:30 pm
hmw wrote:
Sun Sep 30, 2018 12:12 pm
But many health plans in the US will not cover medical cost incurred outside of US, even if it is an emergency.
Does Medicare + Medicare Supplemental policy cover you on visits to Canada?
I don’t think so.
by hmw
Sun Sep 30, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1345

Re: health insurance in Canada

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is C...
by hmw
Sun Sep 30, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1345

Re: Health insurance in Canada for An American Visitor

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is C...