Search found 1468 matches

by gasdoc
Sat Jul 21, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Any reasons not to donate shares from taxable?
Replies: 48
Views: 2837

Re: Any reasons not to donate shares from taxable?

It is true that "easier is relative." We saw here at bogleheads.org at the end of 2017 all the folks trying to donate shares to their DAF on 12/31/2017 or at least in those last few days. It was a mad scramble to get the donation into tax year 2017. Some folks apparently didn't make it. A click-cli...
by gasdoc
Mon Jul 16, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3756

Re: How often do you buy a primary residence?

Three homes:
1) Starter home
2) Bigger home
3) Over 55 community home

gasdoc
by gasdoc
Sun Jul 15, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4431

Re: FireCalc: How big a grain of salt?

I don’t have much to add. However, firecalc does give you a good starting point, and then you have to be willing to make changes to your withdrawal rate as market returns go from being an unknown to becoming known.

Gasdoc
by gasdoc
Sat Jul 14, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1363

Re: Braces: Keeping cost down and insurance questions.

Do you and your wife both have dental coverage right now, or could you stack enrollment in your respective plans, i.e., enroll the family in your plan for a couple of years and then enroll the family in her plan for a couple of years? If the latter, then I think maybe you could get both plans to pa...
by gasdoc
Sat Jul 14, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13269

Re: Early retirement

I am not yet retired, but when I tell people that I plan to retire early, and they are surprised and ask questions, I just say "anyone can retire early- you just have to make do with what you have."

gasdoc
by gasdoc
Sat Jul 14, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12640

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

1) All passwords in a "little black book," that she knows where to find.
2) All important paper work (accounts and wills, etc.) in a safe that she knows where to find.

gasdoc
by gasdoc
Sat Jul 14, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: One Person Defined Benefit Plan
Replies: 71
Views: 10635

Re: One Person Defined Benefit Plan

Gasdoc, I am a fam doc consider my options for a solo DBP. Could you update me on your experiences after 3-4 years of contributions? Have your contributions and returns fluctuated markedly? Are you satisfied with your result? I noted you went for Vangurad over Schwab, has that worked out well? Than...
by gasdoc
Sat Jul 14, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1363

Re: Braces: Keeping cost down and insurance questions.

I can only answer the second part- I wouldn't go outside your general area, as there are LOTS of visits, and not everyone can have the slot right after school because all of the patients are students (well, the vast majority). Are you really going to take your kid out of school for the entire day in...
by gasdoc
Thu Jul 12, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Claim: How do you decide whether to file a claim or pay out of pocket?
Replies: 17
Views: 1088

Re: Auto Ins. Claim: How do you decide whether to file a claim or pay out of pocket?

For the reasons the OP listed for not involving the insurance company, I don't carry collision insurance at all. I reasoned that since I often don't want to report an accident, I might as well not carry the insurance that I would be reporting. I also don't pay more for a car than I can afford to los...
by gasdoc
Wed Jul 11, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3303

Re: Dad asked for my help on pension decision that I do not understand

Not disputing the numbers above but a question: What is the tax impact of taking the lump sum and then buying the annuity? If the 63,021 is "taxed down", then the comparison might not quite be apples to apples A work pension/annuity is an employee benefit, so one would hope it is better than could ...
by gasdoc
Wed Jul 11, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3303

Re: Dad asked for my help on pension decision that I do not understand

I would take the lump sum payout, and roll it over to a traditional IRA for now. Down the road, options are available to do Roth conversions and to buy annuities from a company you research and select.

gasdoc
by gasdoc
Mon Jul 09, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance
Replies: 15
Views: 832

Re: disability insurance

Is it possible to negotiate a slightly higher salary in return for declining the employer LTD plan? Since you have the emergency fund, there is no need for STD. I have a rich LTD policy, and have never had STD.

gasdoc
by gasdoc
Mon Jul 09, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any new info on passthrough deductions for corp?
Replies: 5
Views: 548

Re: Any new info on passthrough deductions for corp?

Thank you OP for bringing this up again, and thank you mhalley for sharing the links. I have emailed my CPA, wondering what my goal should be in terms of salary to pay myself and what my ideal retirement account contributions should be. That is a great discussion (as usual) by WCI.

gasdoc
by gasdoc
Mon Jul 02, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance medical coverage
Replies: 11
Views: 716

Re: Car insurance medical coverage

I decline it.

gasdoc
by gasdoc
Mon Jul 02, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6116

Re: Do We need health insurance??

There is literally no limit as to how high a health care bill can be- suppose you end up in the intensive care unit for months, it has happened- you should get the highest deductible plan you can find.

gasdoc
by gasdoc
Sat Jun 30, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 25
Views: 1416

Re: Water leak when it rains - older Camry

Maybe take it through a car wash and see if you can identify a source of water while not driving. Seals shouldn't be hard to replace and it isn't uncommon for windshields / sunroofs to leak. I probably wouldn't do that first. First, I would try just spraying water from a hose around the window seal...
by gasdoc
Thu Jun 28, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 22233

Re: Retire at 55, what's the magic number

There are many current articles out there, and discussions on other Boglehead threads, discussing "variable" rates of withdrawal, whereby you start at around 4%, and make small changes each year based on changes in the financial markets. I think these are more reasonable than simply choosing a super...
by gasdoc
Tue Jun 26, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7115

Re: Family dynamics/in laws/am I being petty?

In our family, when it is my wife and me, I just pay the whole bill- usually $100 or less. When it is just my wife, usually with 2 or more of them, they usually pay for her and it all works out. The OP's case is different since only one family has kids present. I would still probably just pay the bi...
by gasdoc
Mon Jun 25, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Second malpractice insurance necessary?
Replies: 27
Views: 2508

Re: Second malpractice insurance necessary?

I don't know the answer to your specific question, but I will tell you that in private practice, unlike the previous response, usually the hospital is let off the suit, and the physicians are left in the end. That said, I don't know anyone that carries more than the standard limits. At least in my a...
by gasdoc
Fri Jun 22, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30255

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

The Bogleheads should leave reviews after reading the book. Currently there is only one review on Amazon, and it was not a great rating because the reviewer felt the book was too short. That is the beauty of the Three-Fund Portfolio- its simplicity!

gasdoc
by gasdoc
Wed Jun 20, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2380

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

Definitely, the notes. All ever sent to my parents on Mother's and Father's days were found in their belongings after they died. As for a specific gift, time together becomes more meaningful as children become adults, move on to establish a different residence. For example, this year's gift is a gu...
by gasdoc
Wed Jun 20, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: thermostat a/c setting
Replies: 17
Views: 1127

Re: thermostat a/c setting

And how long do you have to be gone before it makes sense to change the AC settings? And is it necessary to keep the upstairs higher than the downstairs? We keep the temp a couple of degrees higher during the day than at night (for sleeping comfortably).

gasdoc
by gasdoc
Tue Jun 19, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3644

Re: Sherwin Williams paint

We just painted our pool deck. Used lots of Sherwin Williams Paint. I encouraged the wife to wait for a sale, and saved 40%, or $334, by waiting a week. Nice. Thanks, Bogleheads!

gasdoc
by gasdoc
Mon Jun 18, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 62
Views: 10643

Re: New Capitol One 360 ACH limits

I'm not sure what the criteria is for seeing the "simplified" interface. I wonder if it has to do with having a credit card associated with your username? When my wife logs in, she sees the simplified user interface. She has a Capital One credit card. When I log in, I see the same old interface tha...
by gasdoc
Sun Jun 17, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 62
Views: 10643

Re: New Capitol One 360 ACH limits

ReformedSpender wrote:
Fri Jun 15, 2018 12:08 pm
I called customer service and asked for more information:

Apparently, external transfers will remain capped at 6 per month and and monetary limits are to be "reduced" to a million dollars per day.
Can anyone confirm this? I can't imagine this being a problem for me.

gasdoc
by gasdoc
Thu Jun 14, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2373

Re: Using donor advised fund to diversify stock with large capital gains

Secondly, it can easily accept not just cash but also appreciated securities. This is something I would like to hear more about. I've often thought that if I inherited a problem asset (like 50% of a parent's house), that I might see if I could just "donate" my interest to a DAF and let their lawyer...
by gasdoc
Wed Jun 13, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16709

Re: Should I take possession of a certified mail?

denovo wrote:
Wed Jun 13, 2018 3:35 pm
imyeti2 wrote:
Tue Jun 12, 2018 12:11 pm


Anyways, as many other have indicated, will go forward and take possession of the letter. Thanks.

Yeti,
So what was in the letter??
+1

gas doc
by gasdoc
Wed Jun 13, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5934

Re: Anyone with a paid off house drop homeowners insurance

I am more concerned with the liability part of the insurance. If I am sued, not only do I want the coverage, but I want the insurance company's lawyers helping me out with the claim.

gas doc
by gasdoc
Wed Jun 13, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2373

Re: Using donor advised fund to diversify stock with large capital gains

Vanguard's DAF is also good- just be aware of their $500 minimum to recommended charities.

gas doc
by gasdoc
Wed Jun 13, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16709

Re: Should I take possession of a certified mail?

Accept the certified letter and go from there. Signing for a letter only confirms that you received it.

gasdoc
by gasdoc
Wed Jun 13, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2380

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

I have a daughter in college. I have told her I do not want a gift- I am spending the day with her this weekend which is the ultimate gift. If she could not be there, I would understand, and just talking on the phone would be great. I am proud of the young lady she is becoming, and that is the ultim...
by gasdoc
Tue Jun 12, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: A great father's day gift
Replies: 19
Views: 3470

Re: A great father's day gift

I sent a copy of this thread to our daughter.... Thanks!

gasdoc
by gasdoc
Sun Jun 10, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3817

Re: Bogleheads' College Philosophy question

I have delayed retirement to pay for most of DD's education.

gasdoc
by gasdoc
Sun Jun 10, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Are insurance rates non-negotiable/fixed?
Replies: 13
Views: 593

Re: Are insurance rates non-negotiable/fixed?

Wow. Interesting question. I have never heard of anyone shopping around for a better rate FROM THE SAME COMPANY.

gasdoc
by gasdoc
Fri Jun 08, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2798

Re: Buying a house in Florida but you are hundreds of miles away

Consider The Villages. Also consider quality of healthcare/hospital system available in the area. Good point. I did check The Villages but neither of them drink alcohol. I wonder if it's overblown and that most of the folks there drink moderately... Whether or not you drink alcohol is irrelevant to...
by gasdoc
Fri Jun 08, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Keep two disability policies?
Replies: 7
Views: 503

Re: Keep two disability policies?

I would keep the personal policy as well, and increase it if you change jobs.

gasdoc
by gasdoc
Wed Jun 06, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8779

Re: Don't make the mistake I made (Telemarketing hell)

As a physician, I have a hard time not answering calls, especially when working at the hospital. I use a free APP called "Hiya." It screens cell phone calls, and gives a warning when the number is on a list of telemarketer or scammers. When I see the alert on the screen and I don't recognize the num...
by gasdoc
Wed Jun 06, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Prepping for College Fall 2019
Replies: 32
Views: 1858

Re: Prepping for College Fall 2019

Is there a time limit on withdrawing money from the 529 based on grants and scholarships? Could someone, at the end of four years, go back and pull money out of the 529 for four years worth of scholarships, thus waiting to see how much of the 529 remains at that point? I am guessing it has to be don...
by gasdoc
Fri Jun 01, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5345

Re: Advice for assisting 18 year old son after high school

Why does he need a stipend if he has a guaranteed job? (My wife accuses me of "over-supporting" our daughter, but she is not able to work much during college)

gasdoc
by gasdoc
Fri Jun 01, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3268

Re: Cruise ships for multi-generational family

Disney. We have never been more secure in leaving kids in the kids only areas, and the adult only areas are second to none (on a cruise with multi generations). There are higher end and lower end cruise companies, but for multi-generational vacations, Disney is hard to beat.

gasdoc
by gasdoc
Fri Jun 01, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3644

Re: Sherwin Williams paint

Interesting replies and thread. I have used the top line of paint from SW and from Home Depot (Behr). Have had great results from both. Any company can make great paint, but you have to pay for the best paint the company sells.

gasdoc
by gasdoc
Fri Jun 01, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2599

Re: Beach condo vs mountain cabin investment property

You live too far from either to manage them effectively. The management company that you will most likely need in your absence will take most of your profits.

gasdoc
by gasdoc
Thu May 31, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 1007

Re: Kemper vs Amica home/auto insurance

We have been with AMICA for home, two autos, and umbrella for forty years - very happy, good service, and seems to be very competitively priced. +1. And to the OP: the fact that you haven't had a recent claim is no reason to go with a "middle-of-the-road" insurer. Isn't the whole point of insurance...
by gasdoc
Thu May 31, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - Health Issue
Replies: 9
Views: 1054

Re: Term Life Insurance - Health Issue

I followed up regarding the test results and the cholesterol/LDL/HDL/Triglycerides were all high, so the rejection makes more sense now. I'm going to follow up with a doctor and have the tests results reconfirmed by them. It sounds like I need to make sure those health indicators are all in a norma...
by gasdoc
Thu May 31, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for Independent Insurance Broker
Replies: 3
Views: 563

Re: Recommendation for Independent Insurance Broker

Try myabi.com Independent agents dont shop every insurer. Another way to save time is to simply go with Amica, Chubb, or USAA. They have the best reputation on this board, among the national carriers. Yes, I would stick with these three if you can. Not always the very least expensive, but reasonabl...
by gasdoc
Tue May 29, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4121

Re: Do you have a monthly household budget?

No. But we do follow Quicken and adjust based on the past 12 month snapshot.

gasdoc
by gasdoc
Wed May 23, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2764

Re: Quicken - Do you use it?

I've been using Quicken for 20 years. This includes our investment portfolios as well as checking. They've had a change in leadership but I'll stay with it as long as it's reasonable to do so. Same here, plus credit cards. I actually find the budgeting and expense tracking features more valuable th...
by gasdoc
Sat May 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 3215

Re: Should I have my new garage floor coated with Epoxy?

We had this done in a rental home in Florida. There is not a mark on the floor that does not clean up easily. We will now do this on any new home we purchase (hoping not too many more!).

gasdoc
by gasdoc
Sat May 19, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2848

Re: Any experience with Blue Apron?

My wife says "Hello Fresh" meals are easier to prepare, and are more basic, while tasting great. She prefers it to "Blue Apron," which we have also used.

gasdoc