Search found 323 matches

by bogledogle
Thu Dec 03, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is Health Savings Account (HSA) worth it?
Replies: 13
Views: 1137

Re: Is Health Savings Account (HSA) worth it?

You should not get an expensive plan just to get access to HSA. Run the numbers from last year, how much would you have paid using these plans for your visits and prescriptions?

Don't let the HSA tail wag the family healthcare dog.
by bogledogle
Thu Dec 03, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Buying a new Chevy Suburban
Replies: 56
Views: 6033

Re: Buying a new Chevy Suburban

Anyone know how much off sticker is reasonable? I used this forum and went for 15% off on an F250 diesel last year and the dealer didn't let me walk so I felt like there was still room to move. If you end up buying, please PM me how much you paid. I need to buy a 3 row SUV soon and suburban is on t...
by bogledogle
Wed Dec 02, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Buying a new Chevy Suburban
Replies: 56
Views: 6033

Re: Buying a new Chevy Suburban

Anyone know how much off sticker is reasonable? I used this forum and went for 15% off on an F250 diesel last year and the dealer didn't let me walk so I felt like there was still room to move. If you end up buying, please PM me how much you paid. I need to buy a 3 row SUV soon and suburban is on t...
by bogledogle
Wed Dec 02, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: after 1 million, what makes a difference?
Replies: 162
Views: 16940

Re: after 1 million, what makes a difference?

what's the smallest addition to the pot that will really make an appreciable difference? My relative and I both thought $100,000 would make a difference we would notice in retirement. Every dollar counts when you need it the most. There is no general rule of how much is enough and how much is too m...
by bogledogle
Sun Nov 29, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining high FICO score
Replies: 45
Views: 3127

Re: Maintaining high FICO score

Does anyone have experience maintaining a high FICO score once you no longer have debt? I had to pull my report and score recently and read the fine print on how it is calculated since I haven't thought about it in a while. About 30% of your score is based on how much debt you have - now that's a f...
by bogledogle
Fri Nov 20, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new BMW X3?
Replies: 37
Views: 3368

Re: Should I buy a new BMW X3?

Really liked the car after test driving. For those who own one, can you please comment on the reliability, maintenance, and any regrets. X3 is a great car. The secret to BMW reliability is regular maintenance and not skimping on oil changes trying to get the last mile out of the oil. Get oil change...
by bogledogle
Mon Nov 16, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Supporting Entrepreneurial Education Experiment with a Child
Replies: 6
Views: 501

Re: Supporting Entrepreneurial Education Experiment with a Child

A friend of mine executed an idea - it was a sort of a game too, but it was a use and throw kind. They found a supplier in China who can make the game on alibaba. They setup a website using a popular tool (I think squarespace) so folks can order or subscribe. They did not figure out how to drop ship...
by bogledogle
Mon Nov 16, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 86
Views: 8365

Re: Taking a 100k paycut for a less stressful job?

Sounds like a bad case of burn out. You are under 2 years of service and have decades to go so you need to change how you work. I would first try to slow down and work at the pace of your colleagues - don't kill yourself by overworking. If you don't like the type of patients you are seeing, then a m...
by bogledogle
Fri Nov 13, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Freshwater fishing: your favorite how-to resource?
Replies: 15
Views: 864

Re: Freshwater fishing: your favorite how-to resource?

Given limitations on travelling I have a lot more time on my hands so I decided to learn to fly fish. I recently went to a stocked trout pond and had a wonderful time, catching six nice rainbow/brown trout in about an hour. This is a smallish pond with hundreds of trout so you are guaranteed to cat...
by bogledogle
Fri Nov 13, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Which iPhone should I get?
Replies: 65
Views: 4384

Re: Which iPhone should I get?

The only difference between the regular and pro iPhone 12 models are the cameras and some minor cosmetic differences. This is inaccurate information. The 12Pro has many upgrades over the 12. All for $149. Which is the difference in cost between a 128GB 12 ($849) and a 128GB 12Pro ($999). 1. Stainle...
by bogledogle
Thu Nov 12, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Health insurance for tourists
Replies: 3
Views: 283

Re: Health insurance for tourists

I need to buy health insurance for visiting family members. They are 60+ and have the usual pre-existing conditions like diabetes..etc. They have their own coverage in home country that will not cover international incidents. Perhaps a prior BH conversation on the topic will be helpful. Here are a ...
by bogledogle
Thu Nov 12, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Health insurance for tourists
Replies: 3
Views: 283

Health insurance for tourists

I need to buy health insurance for visiting family members. They are 60+ and have the usual pre-existing conditions like diabetes..etc. They have their own coverage in home country that will not cover international incidents. They will bring in prescriptions and other supplies with them, so they wil...
by bogledogle
Wed Nov 11, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 64
Views: 3956

Re: Gaming PC Build: Newbie questions and feedback!

stan1 wrote: Wed Nov 11, 2020 6:21 pm He should use https://pcpartpicker.com

He can post his build for comments there as well as get comparison prices between the major retailers.

I would take the money from the protection plan and put it into a better microprocessor.
+1
by bogledogle
Wed Nov 11, 2020 2:52 pm
Forum: Personal Investments
Topic: Short term holding of cash exceeding FDIC limits
Replies: 22
Views: 2067

Re: Short term holding of cash exceeding FDIC limits

What is the chance your bank will go bankrupt in the short time your liquid cash rests before it gets wired out? If you are overly concerned, why not use two FDIC insured accounts for the transaction?
by bogledogle
Tue Nov 10, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Someone dinged my car. What to do now?
Replies: 21
Views: 1820

Re: Someone dinged my car. What to do now?

While my dad was using my car (insured by me). He parked at a mall and someone dinged the car. We got the person. Person uses Geico. I use Geico (but I moved to new place 1 week ago and haven't changed my address yet). Do I let Geico know and does geico take care of it? Your address change issue do...
by bogledogle
Tue Nov 10, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Someone dinged my car. What to do now?
Replies: 21
Views: 1820

Re: Someone dinged my car. What to do now?

While my dad was using my car (insured by me). He parked at a mall and someone dinged the car. We got the person. Person uses Geico. I use Geico (but I moved to new place 1 week ago and haven't changed my address yet). Do I let Geico know and does geico take care of it? Your address change issue do...
by bogledogle
Mon Nov 09, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Determining the value of a totaled vehicle
Replies: 5
Views: 456

Re: Determining the value of a totaled vehicle

Yes, you should negotiate. You should pull up vehicle prices in your area for the same make/model/options ..etc. I negotiated a ~1400 increases on a car valued at ~17k with Geico. The adjuster will say this is the best price they can offer, but if you send several examples of higher valuations in an...
by bogledogle
Mon Nov 09, 2020 4:07 pm
Forum: Personal Investments
Topic: Selling taxable assets to allow for contributions to 401(k)?
Replies: 11
Views: 629

Re: Selling taxable assets to allow for contributions to 401(k)?

I'm still relatively young and woudn't be withdrawing from my tax advantaged accounts for another 25 years, so the tax-free growth could be considerable. I guess it's just a question of whether the tax-free growth would offset the short term tax hit I'd take for liquidating taxable assets. Have you...
by bogledogle
Mon Nov 09, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: New physician - pay off loans early or buy a house?
Replies: 32
Views: 2959

Re: New physician - pay off loans early or buy a house?

You're doing great. You'll be fine whatever you want to do. If you like the job and the job likes you, buy the house. Use a doctor mortgage so you can use your spare cash and earnings to pay off the student loans. Then if it makes sense you can refinance the mortgage. Heck, you could just pay off t...
by bogledogle
Mon Nov 09, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Which provider would you recommend
Replies: 13
Views: 1598

Re: Umbrella Insurance - Which provider would you recommend

Thanks for the comments. I guess I will shop around for a better full package or stick with the Gecko for now.
by bogledogle
Mon Nov 09, 2020 11:56 am
Forum: Personal Investments
Topic: Best way to offload over $100k in defense stock
Replies: 12
Views: 1105

Re: Best way to offload over $100k in defense stock

I am wondering if I should continue my incremental approach or sell it all at once? YTD this specific stock is yielding a loss. That's a personal decision. Are you happy to accept the current losses, sell and move on? Or are you holding out hope or is it likely that this stock will go back up in th...
by bogledogle
Mon Nov 09, 2020 11:47 am
Forum: Personal Investments
Topic: Best way to offload over $100k in defense stock
Replies: 12
Views: 1105

Re: Best way to offload over $100k in defense stock

If its 401k then you can just swap all of it if the single stock is doing well right now. You are going from single stock to S&P500 and there are no tax issues, so what the problem?
by bogledogle
Sat Nov 07, 2020 11:12 pm
Forum: Personal Consumer Issues
Topic: Anyone ordering the iPhone 12 Mini?
Replies: 21
Views: 2566

Re: Anyone ordering the iPhone 12 Mini?

I like the concept of the mini, but ordered a Pro Max instead because of the smaller battery in the mini.
by bogledogle
Sat Nov 07, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Which provider would you recommend
Replies: 13
Views: 1598

Umbrella Insurance - Which provider would you recommend

I am planning on shopping for insurance as I need to make some coverage changes. Does anyone have a recommendation on umbrella insurance providers? Any personal experience dealing with claims..etc?

Thanks!
by bogledogle
Thu Nov 05, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: XBox One S vs XBox Series S for first gaming unit
Replies: 18
Views: 940

Re: XBox One S vs XBox Series S for first gaming unit

The general rule is to get the newest console. Although, there is a catch if your teen wants to play with friends they know in real life. Some games will not let folks who have different generations of Xbox play together. If this is not a problem, get the newest model. https://www.gamesradar.com/xbo...
by bogledogle
Thu Nov 05, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Suburb Ascent vs Highlander vs Kia Telluride....
Replies: 31
Views: 2731

Re: Suburb Ascent vs Highlander vs Kia Telluride....

We test drove the loaded version of all 3 and the Telluride was the clear winner for us. We haven't pulled the trigger yet as we aren't in a rush. FYI, I have heard a lot of dealers marking up the price of the Telluride. However, all 3 kia dealers in my area are selling at MSRP. I wouldn't pay more...
by bogledogle
Wed Nov 04, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Great FT job, WWYD: live a baller life or go PT?
Replies: 29
Views: 2655

Re: Great FT job, WWYD: live a baller life or go PT?

I'd be embarrassed to ever complain about my physician job. I make $500k/yr with 12 weeks off, and like what I do. DW and I are in our early 40s with two young children, and a $3M nest egg for retirement. That said, life can always improve. I haven't quite won the game yet, but I could easily "...
by bogledogle
Wed Nov 04, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Typical cleaning expenses after rental lease?
Replies: 31
Views: 2649

Re: Typical cleaning expenses after rental lease?

Sounds like you have a terrible landlord. You should certainly sue and get your money back. Don't let this slide - someone needs to train her to be a better landlord.
by bogledogle
Tue Nov 03, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Suburb Ascent vs Highlander vs Kia Telluride....
Replies: 31
Views: 2731

Re: Suburb Ascent vs Highlander vs Kia Telluride....

Telluride if its my money. Has the most space, upscale interior and great features.
by bogledogle
Wed Oct 28, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: 457/403b Millionaires - What's next?
Replies: 17
Views: 3400

Re: 457/403b Millionaires - What's next?

Great job saving do far. Do this:

1) Fund Roth accounts
2) Maybe take a vacation or find a use for extra money that's enjoyable to you.
by bogledogle
Mon Oct 26, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11336

Re: Hassle free luxury car

Hi, I am thinking of getting a luxury coupe/sedan. My plan is to keep it only for 2-3 years and have no intention to do any self maintenance. Occasionally our preschooler will also travel in it. Budget is max 100K. I am leaning towards leasing in stead or buying and reselling. Any recommendations? ...
by bogledogle
Mon Oct 26, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: Friend’s Investment Strategy Envy
Replies: 71
Views: 7326

Re: Friend’s Investment Strategy Envy

I envy my friends lucky picks too. But, that does not make day trading is a good investment strategy. For me, the mental stress itself is not worth it. "If his stock holding drops $1, he’ll sell. On the other end, he sets a $5 maximum gain limit." That sounds dangerous IMO. Stocks that are...
by bogledogle
Fri Oct 23, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

Workaholic wrote: Fri Oct 23, 2020 7:23 am Like the old saying goes "I can have anything I want, I just can't have EVERYTHING".
Exactly!
by bogledogle
Fri Oct 23, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

My wife and I were in the same boat when I got a luxury car. Almost 27 and gross income of 300. I wouldn’t do it, just keep driving your clunker. $800/month will get you a 60k-80k car. Not worth it at all. Has the OP ever been back with more information (other cars, parking, uses for this car vs. o...
by bogledogle
Wed Oct 21, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

My wife and I were in the same boat when I got a luxury car. Almost 27 and gross income of 300. I wouldn’t do it, just keep driving your clunker. $800/month will get you a 60k-80k car. Not worth it at all. Has the OP ever been back with more information (other cars, parking, uses for this car vs. o...
by bogledogle
Tue Oct 20, 2020 1:31 pm
Forum: United Arab Emirates
Topic: First time investor,Based in UAE, Staring USA immigration proccess
Replies: 7
Views: 544

Re: First time investor,Based in UAE, Staring USA immigration proccess

One quick note on this. You hit these pitfalls as soon as you become a 'US taxable person' under either the 'substantial presence test' or the 'green card test'. It is not at all necessary to be a US citizen to run into them. This! You move to the US and live here long enough to pass the substantia...
by bogledogle
Tue Oct 20, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!


True, but it wouldnt have got me to the Sonic drive in, top down, on a hot summer night looking like Joe Cool.

PS S&P roughly 500 to 1200 during those 20, but net costs from broker and maintenence, insurance sale tax, on car probably very close to a tie.
:thumbsup
by bogledogle
Tue Oct 20, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

Do you want a $60k Audi that will be worth $20k in 4 years, or a $100k Porsche that will be worth $90k in 4 years? Give me the Porsche. Most people have a hard time believing how well certain Porsche's hold their value, you just need to know which ones. You aren't going to find a new $100k Porsche ...
by bogledogle
Tue Oct 20, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

I have a Macan, bought it used. It's fantastic. Like smile everytime I get in and drive it fantastic. I'm also a car guy and appreciate a 12sec car. But oh my God that back seat is tiny. You won't fit a car seat and a front seat passenger at the same time. Trust me, I've tried. Macan has a back sea...
by bogledogle
Tue Oct 20, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Austin
Replies: 35
Views: 2453

Re: Moving to Austin

1) Run the numbers based on your own lifestyle - Taxes, housing, schools, cost of living, cost of travelling. other lifestyle costs (do you ski?) ..etc. 2) Opportunity costs, Future potential (2) is very important if you are in Tech. How long will you work for the same employer? If you move companie...
by bogledogle
Mon Oct 19, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10703

Re: Convince us to buy our first luxury car!

Another car thread 8-) You should probably know that the last guy who received an overwhelming "yes" to buy an expensive car from this forum is a 78 year old guy with millions in savings buying a Tesla with the ludicrous mode. So, you are SOL if you are looking for approval out here. Since...
by bogledogle
Sun Oct 18, 2020 12:36 pm
Forum: Personal Investments
Topic: newbie questions on retirement planning with new job. 403b annuity, 403b match, and 401a plans
Replies: 10
Views: 621

Re: newbie questions on retirement planning with new job. 403b annuity, 403b match, and 401a plans

I understand a 403b is like a 401k but how does an annuity work? how does this differ than the typical 401k where you invest in something like mutual funds and withdraw at retirement? Sounds like this is a Pension plan. If you are working for a university/non-profit. Check if you have a 457b plan, ...
by bogledogle
Sat Oct 17, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Looking for a three row SUV; $90k budget
Replies: 108
Views: 8217

Re: Looking for a three row SUV; $90k budget

Lincoln Navigator should be on your list. SQ7 has the lease interior room - I would not buy it if I was looking for a 3 row for space.
by bogledogle
Fri Oct 16, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Time travel for high salary earners
Replies: 106
Views: 11447

Re: Time travel for high salary earners

I am an early career physician transitioning from fellowship to attending level salary. I have a question for high salary earners - most informative would be those peri-retirement. Let's use an arbitrary cut-off of $500K+ annual household income (W2 salary alone). Is there anything you wish you wou...
by bogledogle
Thu Oct 15, 2020 10:41 pm
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6615

Re: Most comfortable shoe: please recommend

Another vote for allbirds.
by bogledogle
Thu Oct 15, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the financial risks of not owning a house?
Replies: 106
Views: 10306

Re: What are the financial risks of not owning a house?

I perceive the major financial risk as high inflation rate in rents. The main annoyance risk is finding yourself required to move involuntarily. The main psychological risk is lack of control over your personal environment. Especially in retirement, a perceived financial benefit of renting is lower...
by bogledogle
Tue Oct 13, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 31581

Re: What fun car should I get in the $150k - $200k range?

I just wanted to come back and respond update this thread. I will also update OP. Since starting this discussion we have paid off the mortgage and have over $3 million plus enough money to purchase a nice car. This occurred much faster than expected thanks to rebalancing in March, our robust econom...
by bogledogle
Mon Oct 12, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Shouldn’t have canceled YouTube premium
Replies: 37
Views: 4983

Re: Shouldn’t have canceled YouTube premium

Where are you getting 11.99. I’m seeing 15.99 If you sign up through Apple, you are charged $15.99. If you sign up directly with YouTube, it is only $11.99. Once I subscribed using my apple account, now youtube also shows 15.99 for me. Maybe they have a deal that apple gets a cut once they brought ...