Search found 1537 matches

by gasdoc
Thu Nov 15, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

I monitored temp and humidity for 24 hours upstairs with the doors closed and the upstairs heat and AC off. In the early morning: temp 60 degrees F, humidity 78%. After I opened up the doors upstairs and turned on the heat, set at 68 degrees, the new measurements were temp 68 degrees, humid 69%, wit...
by gasdoc
Wed Nov 14, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1604

Re: Dumb question about bedding and comforters

I am no expert on these sort of things, but I did buy a down-alternative comforter from LLBean a couple of years ago. Washed it and it took forever to get it dried appropriately. Since then we only wash the comforter at the end of the season before packing it up. The cover, on the other hand, is no ...
by gasdoc
Tue Nov 13, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

Keeping the doors closed upstairs and the heat turned off up there shouldn't be a big deal as long as it doesn't get down to crazy low temps. Having a workout room be colder seems like a bonus. This! You might get a small heater or air conditioner just for the workout room, or if it's only used rar...
by gasdoc
Tue Nov 13, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

I am thinking about ordering a Honeywell thermostat with "redlink" communications to a wireless temp sensor that I can put in the rec room most of the time or in DD's bedroom when she visits from school. I really don't have much use for having Alexa to talk to up there, so the various "smart thermos...
by gasdoc
Tue Nov 13, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

Why not just sell the house? Your kids will show up less and less as time goes on. A ranch with an extra bedroom or condo seems a natural transition now, no? My wife and I have 2 toddler kids and built our own home just 2 years ago and am already planning to sell it when the kids are out of the hou...
by gasdoc
Tue Nov 13, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

Why not just sell the house? Your kids will show up less and less as time goes on. A ranch with an extra bedroom or condo seems a natural transition now, no? My wife and I have 2 toddler kids and built our own home just 2 years ago and am already planning to sell it when the kids are out of the hou...
by gasdoc
Tue Nov 13, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Re: Upstairs Floor is No Longer Used....

Thanks, folks. These are good ideas. I think all of them would work. I might add that we will probably be selling this house in the next five years, so any solutions should be simple and with a rapid break-even-point on cost.

gasdoc
by gasdoc
Tue Nov 13, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2641

Upstairs Floor is No Longer Used....

Since DD went off to college, the upstairs of our 2 story home is used only for a few hours per week (an exercise room is up there). We would like to save energy costs by allowing the temp to drift down a few degrees in winter and drift up a few degrees in summer. We live in the warm and humid south...
by gasdoc
Mon Nov 12, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4322

Re: Planet Fitness etc.,

We use our local YMCA, at about $70 per year for two of us. Then we donate another $500 per year because it actually helps our community.

Gasdoc
by gasdoc
Tue Nov 06, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth in a high tax bracket
Replies: 14
Views: 1507

Re: Roth in a high tax bracket

I do have a pessimistic view of future income tax rates. I have been in a high tax bracket for many years, and have chosen to "diversify" my retirement savings between traditional and Roth. I like the idea of having retirement money in different buckets (traditional IRA, Roth IRA, taxable) for withd...
by gasdoc
Tue Nov 06, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6096

Re: Do I need more than Original Medicare?

I am big on self-insuring, but at a minimum I would have catastrophic coverage- that is the ultimate need for a risk sharing pool. Therefore, going with only the original Medicare is not a reasonable option.

gasdoc
by gasdoc
Thu Oct 25, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance to cover catastrophe health situation?
Replies: 26
Views: 1602

Re: Insurance to cover catastrophe health situation?

If you have any kind of net worth it would be to your benefit to purchase "real" health insurance. It is for the catastrophic event that we purchase insurance in the first place.

gasdoc
by gasdoc
Thu Oct 25, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I cash in my vacation days?
Replies: 31
Views: 9979

Re: Should I cash in my vacation days?

I'm retiring so I'll have a lot of time off. I was looking at tax implications getting taxed on the money this year or next year. I thought maybe next year in the beginning because I'll be in a lower tax bracket then? Don't know if it's really gonna make that drastic of a difference though. Then is...
by gasdoc
Wed Oct 24, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19197

Re: New retirees: so whatdayathink ?

I don't have anything to add- but I am not quite ready for this thread to end. Thanks for all the comments, people! I am close enough that I am really paying attention!

gasdoc
by gasdoc
Wed Oct 24, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash in my vacation days?
Replies: 31
Views: 9979

Re: Should I cash in my vacation days?

I would take the cash if you are early in your career, and just take the time off if you are later in your career. (I take the time off- 8 weeks.)

gasdoc
by gasdoc
Wed Oct 24, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k / Business checking - which company?
Replies: 3
Views: 226

Re: Solo 401k / Business checking - which company?

I don't have anything to contribute regarding which company you should use considering the 401K. Regarding the business checking account, have you googled the need for a business checking account in your situation or checked other Bogleheads threads? I researched this (again) a few months ago for m...
by gasdoc
Wed Oct 24, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k / Business checking - which company?
Replies: 3
Views: 226

Re: Solo 401k / Business checking - which company?

I don't have anything to contribute regarding which company you should use considering the 401K. Regarding the business checking account, have you googled the need for a business checking account in your situation or checked other Bogleheads threads? I researched this (again) a few months ago for my...
by gasdoc
Sat Oct 20, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 32
Views: 6460

Re: How is U-Haul for getting a trailer hitch?

We have had U-Haul install hitches on every car we have had for the past 25-30 years, no problems. We use the hitch for bike racks. It is a good hitch at a reasonable price. ANd they do lots of them.

Gasdoc
by gasdoc
Sat Oct 20, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6040

Re: Pull kids from school for vacations?

No. We wanted to send the message to our daughter that school is too important, and we wanted to send the same message to her teachers. Now, she does not cut classes in college. Cause-effect relationship? Maybe.

Gasdoc
by gasdoc
Wed Oct 17, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13837

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Read it. My POV ... It is not a replacement for the original. Is it a satisfactory refresh of the original? No Would I recommend it? For big fans of the original, it's probably worth reading. As for everyone else, I suggest the original. I wish ... I think a better book would have been to reprint t...
by gasdoc
Mon Oct 08, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4375

Re: New Car: No Collision/Comprehensive?

I have had two cars repaired using insurance coverage. Both were unsatisfactory in that the insurer dictated the use of parts that proved to be unacceptable, causing long delays in getting the cars back. I no longer carry collision insurance on any of our three cars and now getting cars repaired is ...
by gasdoc
Tue Oct 02, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13837

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

doss wrote:
Tue Oct 02, 2018 11:25 am
Can someone just sum it up ?
The previous poster just "summed it up." However, the multitude of interesting survey results, etc., make it a worthy read (despite the biases, etc., pointed out by other posters).

gasdoc
by gasdoc
Tue Oct 02, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13837

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Lots of posts here by people who have not read it and are speculating. I'm in the middle of reading it and it's terrific. Her daughter, a psych PHD, does a good job refuting the criticisms of the earlier book, conceding where necessary, and in general updating it to 2018. I recommend it for the Bog...
by gasdoc
Tue Oct 02, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 82
Views: 7411

Re: Retirement accounts and physician SCorps and Tax Reform

LC, !. I am planning to officially end my S-Corp 12/31/18, and start my sole proprietorship 1/1/2019. I wanted to keep it "clean," and I need until the end of the year to save enough money to fund my defined benefits plan. 2. Yes, my business will stop creating W-2 paychecks as a sole proprietor. 3...
by gasdoc
Mon Oct 01, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2489

Re: Invisalign and Dentist pricing

Have you asked what the charge will be for retainers after the initial contract time is complete? gasdoc Retainers are $99. I got an offer for 2 for $150. Got it. Thank you! I believe I paid much more than that, and it included a fitting with the orthodontist that I routinely refused because it was...
by gasdoc
Fri Sep 28, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2489

Re: Invisalign and Dentist pricing

Have you asked what the charge will be for retainers after the initial contract time is complete?

gasdoc
by gasdoc
Wed Sep 26, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2109

Re: Acoustic Pianos

GoldenGoose wrote:
Wed Sep 26, 2018 8:58 am
Thanks. Just reserved that book at the local library. Will pick it up and read up on it.
I hope it helps. I would order the most recent supplement, though, for up to date information.

gasdoc
by gasdoc
Mon Sep 24, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2109

Re: Acoustic Pianos

Can I recommend a book to you- it is an easy read and will enlighten you as to the process of buying a piano and of the piano selling industry? The Piano Book: Buying & Owning a New or Used Piano by Larry Fine and Keith Jarrett It was published in 2001, and there is a recent supplement which lists a...
by gasdoc
Mon Sep 24, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Solo proprietor - separate bank account needed?
Replies: 7
Views: 668

Re: Solo proprietor - separate bank account needed?

Be sure to check out the earlier threads on this topic. I think most of the experts say that you do not have to keep a separate checking account for the IRS. It is for your personal record keeping purposes. I am in the process of dissolving my corporation, and will soon be a sole proprietor again. I...
by gasdoc
Wed Sep 19, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed professional - the best way to get things started?
Replies: 27
Views: 2533

Re: self-employed professional - the best way to get things started?

Hello, OP, You should have a CPA calculate your tax with and without forming an s-corp. I am this year dissolving my s-corp because the new 20% business deduction was affected negatively by my s-corp (because the w2 salary you pay yourself is not discounted). And then you have to file two separate t...
by gasdoc
Mon Sep 03, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3222

Re: How often do you change your HVAC filters?

Kenkat wrote:
Mon Aug 27, 2018 3:40 pm
3M Filtrete - every 90 days
Same.

gasdoc
by gasdoc
Sun Sep 02, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 30327

Re: Umbrella insurance..who has it? Is it recommended?

My opinion only: Buy "enough" that an opposing lawyer will "settle" for going after your insurance and leave your personal stuff alone. I have $5M.

gasdoc
by gasdoc
Sat Sep 01, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3357

Re: 1st time dad, OK to use willmaker software?

My attorney will in GA was $1400, for a simple will with one child. A few years later, I replaced it with one done by Legal Zoom, in order to change the guardian. Both were very straightforward, and I suspect the lawyer done will was done using some sort of a template, and probably by some sort of l...
by gasdoc
Fri Aug 31, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Picking between Roth and Traditional 401k
Replies: 6
Views: 661

Re: Picking between Roth and Traditional 401k

Hedge your bets. Do both pre and post tax retirement savings. In retirement it is good to have both, so that you have some control over your taxable income.

gasdoc
by gasdoc
Fri Aug 31, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3357

Re: 1st time dad, OK to use willmaker software?

I think you are the perfect candidate for a software generated will.

gasdoc
by gasdoc
Fri Aug 31, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3250

Re: Piano for a child

We went a different route. We approached the purchase as one for the family- not a child as in the original poster's post. I had played the organ as a child, and my wife had always considered playing. We purchased a medium sized grand piano from the beginning. From my time as a student playing the o...
by gasdoc
Thu Aug 30, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12115

Re: How do you 7 figure guys organize multiple accounts?

Our finances are relatively simple: 1. Mostly 3 fund portfolio 2. Almost all investment money in Vanguard, in various accounts, but all on one web page. 3. All banking at CapitalOne 360, with a local bank with a small monthly transaction to keep it open. I use Quicken to monitor the credit card/debi...
by gasdoc
Thu Aug 30, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 82
Views: 7411

Re: Retirement accounts and physician SCorps and Tax Reform

LC, !. I am planning to officially end my S-Corp 12/31/18, and start my sole proprietorship 1/1/2019. I wanted to keep it "clean," and I need until the end of the year to save enough money to fund my defined benefits plan. 2. Yes, my business will stop creating W-2 paychecks as a sole proprietor. 3....
by gasdoc
Wed Aug 29, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Wildlife Removal:
Replies: 16
Views: 1706

Re: Wildlife Removal:

We used a company called Arrow Exterminators. It has been a few years, but I think the price was $500 or more. They set traps and completely sealed the exterior of the house to prevent reinfestation (from rats). Then, they offered an inspection service for $175/year, which was optional but extended ...
by gasdoc
Wed Aug 29, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Home Security System Monitoring
Replies: 11
Views: 1135

Re: Home Security System Monitoring

Has anyone had the need to have repairs done to their system while using Alarm Relay? Do they have outside companies that do service? Is it difficult to find someone that does not have a monitoring contract to do service on an older system? gasdoc Alarm Relay, as I've stated, is only a monitoring c...
by gasdoc
Wed Aug 29, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 82
Views: 7411

Re: Retirement accounts and physician SCorps and Tax Reform

See the edit to my last post adding the last paragraph after you started your reply. A sole proprietor can just as easily contribute to a defined benefit plan. It may be necessary to amend the plan to change the plan sponsor from the S-Corp to a sole proprietorship. Note: You should engage a profes...
by gasdoc
Wed Aug 29, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Home Security System Monitoring
Replies: 11
Views: 1135

Re: Home Security System Monitoring

Has anyone had the need to have repairs done to their system while using Alarm Relay? Do they have outside companies that do service? Is it difficult to find someone that does not have a monitoring contract to do service on an older system?

gasdoc
by gasdoc
Tue Aug 28, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Home Security System Monitoring
Replies: 11
Views: 1135

Re: Home Security System Monitoring

Never heard of them. I will check them out. Thank you!

gasdoc
by gasdoc
Tue Aug 28, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Home Security System Monitoring
Replies: 11
Views: 1135

Home Security System Monitoring

We have a local home security company that was just bought out by another company. We are not happy with the level of service we get when we call in a false alarm to the monitoring company. All of our home security devices are hard wired, including burglar, smoke and fire. When I call various other ...
by gasdoc
Sat Aug 25, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to buy individual stocks?
Replies: 15
Views: 1682

Re: Best way to buy individual stocks?

We bought our daughter one share of Disney for her 10th birthday. She absolutely loved it and and the certificate was beautiful. We framed it and hung it next to her photos from a Disney cruise we did when she was younger. It was a display she treasured well into her teens. I believe we used “onesha...
by gasdoc
Sat Aug 25, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3540

Re: Quote from Electrician

Just yesterday, I hired an electrician to replace a single kitchen ceiling light fixture in my mom's house. I supplied the new fixture. The charge was $220 for the labor Not sure how long it took because I was not there, but the charge was a guaranteed charge, given before the work was started, so i...
by gasdoc
Sat Aug 25, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3086

Re: Healthcare Careers

jayk238 wrote:
Fri Aug 24, 2018 10:05 pm
gasdoc wrote:
Fri Aug 24, 2018 6:37 pm
Though not exactly the answer to the question above, CRNA’s make $150K to $250K in our practice.

Gasdoc
250?
Seems insane that crnas can make more than doctors.
Supply and demand- and they get paid lots to work nights, so many of them pick up extra call nights.

gasdoc
by gasdoc
Fri Aug 24, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3086

Re: Healthcare Careers

Though not exactly the answer to the question above, CRNA’s make $150K to $250K in our practice.

Gasdoc
by gasdoc
Thu Aug 23, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3086

Re: Healthcare Careers

Would strongly recommend NP specialization like an anesthesiologist. Or NP general. My understanding based on individuals I am close with in the field is good job satisfaction, strong to VERY strong salary from the onset through career, decent working hours (often an ability to 80%, 90% etc.), abil...