Search found 472 matches

by malabargold
Mon Jun 04, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 19
Views: 1497

Re: Boston trip with small kids

Doubt they will remember much if any thing at that age!
by malabargold
Sat May 26, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2179

Re: 3 days in Boston with an 8 year old

Aquarium Duck Boats Whale watching on Stellwagan Bank Old North Church - tour part way up Steeple and crypts (Paul Revere) LA Burdick for hot chocolate North End for Modern Pastry/ Mike’s Pastry/ Food /parades Harvard Tours- do duckboat first as they often give out Free Harvard tour coupon Harvard N...
by malabargold
Wed May 02, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 3875

Re: Where to babymoon?

Relax where you are.
Save the $ and stick it in a trust or 529.
by malabargold
Thu Apr 26, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you need a physical for a Term Life policy?
Replies: 18
Views: 1681

Re: Do you need a physical for a Term Life policy?

They won’t generally offer you the results of the tests
unless you request a copy sent to your MD
by malabargold
Sun Apr 15, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1198

Re: Investing for a 1 year old

This forum says “not investing”, nevertheless,
unless your crystal ball is better than mine
why not just VT?
by malabargold
Sat Apr 14, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off (2nd home) debt or invest more?
Replies: 8
Views: 720

Re: Pay off (2nd home) debt or invest more?

On average, stocks signicantly outperform real estate over time. So, usually better off buying retirement place when you retire. Plus maintenance and taxes, etc. If you decide to hold onto the place, you have a low mortgage rate: don’t pay it faster than you have to, keep the balance in a low-cost i...
by malabargold
Thu Apr 12, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 14194

Re: Ivy school education. Is it worth it?

I have seen parents ring up bills in the many thousands of dollars at the Coop.

If one is not legacy, not an underrepresented minority, not a member of an underrepresented socioeconomic class, nor a
recruited athlete, the competition is for 1 of about 400
available spots, not 1600, at Harvard.
by malabargold
Wed Apr 11, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2716

Re: To HSA or HSA -- explain like I'm 5.

See what the out of pocket limits are
by malabargold
Wed Apr 11, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3795

Re: How do you estimate your home's market value?

Zillow is often wildly inaccurate in places with unique topography.
by malabargold
Tue Apr 10, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 14194

Re: Ivy school education. Is it worth it?

My kid is a concentrator in a basic science at Harvard. Wanted to be a bench scientist and academic her whole life. She is doing research with many of the very best in the field. It’s doubtful she will get rich, but she’s exactly where she wants to be and doing exactly what she wants. That’s the bes...
by malabargold
Tue Apr 10, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 14194

Re: Ivy school education. Is it worth it?

What you say about Harvard is true, except the part about
legacy; nearly 30% of the latest incoming class had legacy ties
to the College.
by malabargold
Mon Apr 09, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year mortgage
Replies: 6
Views: 1858

Re: 15 vs 30 year mortgage

With rates still on the low side, I’d take the 30 and funnel the
difference from the 15 into a low-cost index fund of your choice.
by malabargold
Sun Apr 01, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 12451

Re: What age is the best to give a child control of an inheritance?

No stock answer depends on their character and what
parents have taught
by malabargold
Sat Mar 31, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5954

Re: $20,000 book - what to do with it

Harvard also has an entire separate library (Houghton)
dedicated to preservation and display of rare books.
by malabargold
Fri Mar 30, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5954

Re: $20,000 book - what to do with it

Perhaps donate it to a rare (or medium rare) book room
of a university with the stipulation that you and your heirs
and “assigns” can accesss it.

Tax break(?), well preserved, share it’s contents with scholars
for generations and your family can still read it.

Win-win.
by malabargold
Fri Mar 30, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: medical practice reimbursement issues
Replies: 35
Views: 2741

Re: medical practice reimbursement issues

Owner v. Employee
Not much he can do except leave, unless the
are guarantees or recourse stipulated in his contract.
by malabargold
Wed Mar 28, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4434

Re: Savannah or Charleston?

Charleston is one big tourist trap.
by malabargold
Mon Mar 26, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6865

Re: Question for physicians-- is my taking call worth it?

No signs of burnout you say?

Then you describe burnout.
Doing things only for the pay is another sign.
by malabargold
Fri Mar 23, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37976

Re: MoviePass-Too good to be true, but it's legit.

What good quality data do they expect to harvest when the game is different for MoviePass users vs. the general public?

We’ve seen multiple films that we would never have paid
$15 a shot to see since we’ve had MP
by malabargold
Sun Mar 11, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Need encouragement (on doing own taxes to save money)
Replies: 22
Views: 2031

Re: Need encouragement (on doing own taxes to save money)

Bargain your CPA down
Easy to do these days!
by malabargold
Sun Mar 11, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3863

Re: Balsamic vinegar?

Most of the stuff you buy in locally cheese/oil/vinegar shops is
pushed through 2 chief suppliers, look for Veronica Foods
on the back of bottle
by malabargold
Sun Mar 11, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3619

Re: House Hunting Concerns With Well

What about H2O quality
E. Coli. the only thing tested??
by malabargold
Sun Mar 11, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2600

Re: Plastic free coffee maker?

I have people in my family who are petroleum
chemists, “retro-synthetic organic chemists” and chemical biologists- they steer clear of plastics+ heat
by malabargold
Sun Mar 11, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3863

Re: Balsamic vinegar?

If you want less expensive but good (thick, tart-sweetish) “balsamic” go to any of innumerable franchisees of Veronica Foods, Oakland, Ca
by malabargold
Sat Mar 10, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Decisions for Widower
Replies: 20
Views: 1647

Re: Investment Decisions for Widower

If you have: up to 13 years to work, plus a pension, Plus a nest egg started, plus paid off real estate, plus College paid for the kids Plus a good cash fund already on hand The first of every month(or a day of your choice) I’d drip $20,000 into a total stock fund and $5000 into a total bond fund un...
by malabargold
Sat Mar 10, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: sell or keep home?
Replies: 7
Views: 794

Re: sell or keep home?

We get attached to people and animals, not things.

Keep fond memories but not the house.

The increased financial shape you’ll be in may enable
you to better help your kids today or further down the
road of the future.
by malabargold
Sat Mar 10, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2600

Re: Plastic free coffee maker?

Bonmac dripper
by malabargold
Fri Mar 09, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Large cutting board recommendations
Replies: 12
Views: 1485

Re: Large cutting board recommendations

I prefer hardwood boards, especially for hot items.

Don’t for get mineral oil to keep it from drying out.
by malabargold
Thu Mar 08, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3955

Re: MD-Phd (Harvard) vs MSTP (School X)

I wouldn’t let financial considerations come into play here.

Pick the program the “kid” likes best.

It won’t be a terrible burden for your child to pay off
1-2 years of loans, even after they stew.
by malabargold
Tue Mar 06, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37976

Re: MoviePass-Too good to be true, but it's legit.

It was correct at the time posted

They showed up as supported viewings and we did it
multiple times

Since new terms of service, it is no longer an option
by malabargold
Tue Mar 06, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6075

Re: Which car, Porsche Cayenne or Volvo XC90?

Look at an E-400 wagon
by malabargold
Mon Mar 05, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Pay off low interest student loan quickly or pay the minimum and invest?
Replies: 6
Views: 811

Re: Pay off low interest student loan quickly or pay the minimum and invest?

We could only tell you the best course if we could predict
the future.
Stocks can and do decline for prolong periods.
Take the sure thing and pay off the debt first, then invest.
by malabargold
Sun Feb 18, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3041

Re: Selling Timber

Get sealed bids from loggers.
If it’s only 350 trees they may not do that
by malabargold
Sun Feb 18, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1508

Re: Vancouver Vacation (Canada)

If you go to Vancouver Island high tea at the Empress is nice as
are Butchart Gardens. If you can get up to Campbell River for
running the “fjords” that is incredible
by malabargold
Fri Feb 09, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7530

Re: Suggest coffee maker please

Technivorm is good but way over $100

An aeropress as mentioned many times is $20 and
beats them all

If you want to limit exposure to heated plastics then get
a $12 Bonmac ceramic pour-over
by malabargold
Tue Jan 30, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1846

Re: Paris Hotel Recommendations

George V
by malabargold
Thu Jan 25, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 4251

Re: Strategies to combat the urge to spend?

1)Try to think of anything you’ve ever bought that’s brought
to you true as lasting happiness.
There. But if that doesn’t do it
2) Remember the most expensive goods you’ve purchased.
Likely caused more worry and grief than anything else.
by malabargold
Thu Jan 25, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6448

Re: Thinking About Timing the Market

Today’s highs are tomorrow’s lows.

But by all means sell if your psyche is so tied
up in net worth you can’t stomach losses.
by malabargold
Sun Jan 21, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 2153

Re: Disability Insurance - Physician

Get a long exclusion period to get best premiums.
by malabargold
Sun Jan 21, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37976

Re: MoviePass-Too good to be true, but it's legit.

As a bonus, if your cinema offers live streaming of performances
of things like the Bolshoi Ballet, it will work for those, too.

It does NOT cover the full price, but does pay up to the customary movie charge toward the price.
by malabargold
Sun Jan 21, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Any good blog for kids who want to pursue medicine ?
Replies: 10
Views: 888

Re: Any good blog for kids who want to persue medicine ?

I would argue that it’s far more important for you
to expose him to a world of other possibilities before, as a 9th grader, he chooses what to do with the rest of his life
by malabargold
Sun Jan 14, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12968

Re: Is it time for me to "call in rich"?

Don’t count your chickens quite yet.
The markets have been booming
Close to a decade
Figure in a pull back of 30%
by malabargold
Thu Jan 11, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8875

Re: How much/little money to give kids in will so they continue to work

We gave our kids a lot.

They work like dogs.

Possibly because it
gave them the economic freedom to follow their
interests without regard to remuneration.

Greatest gift.
by malabargold
Wed Jan 10, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 34
Views: 1942

Re: Cars in college

Freshman year, absolutely not.

See how it goes, and decide from there.

These days with Uber and Lyft cars on campus are needed
less than ever, and could spare a lot of problems.
by malabargold
Mon Jan 08, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7650

Re: Lowball offer on a home

The owners likely don’t care what you plan to spend on it and will be offended by lowball, how it usually goes.
by malabargold
Mon Jan 08, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3554

Re: Use HSA money or pay out of pocket?

We always invest ours in stock ETF’s for remote future use,
but it always comes down to what your’re invested in and how soon your need to start draw down will be
by malabargold
Sat Jan 06, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car purchase - with a little twist
Replies: 15
Views: 2162

Re: Bogleheads car purchase - with a little twist

Consider offering the residual back to the parents
by malabargold
Sat Jan 06, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 76
Views: 12556

Re: Why Edward Jones?

It boils down to added value. If these companies could add net value, we would all be beating down their doors, happy to pay any layer of fees long as there was net added value. They can’t, so we aren’t. In what other avenue of life does one ever hire help and not expect that party to act in their b...