Search found 1202 matches

by gasdoc
Sat Oct 07, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1405

Re: Combining spouses separate accounts into one joint account. Any downsides?

When we got married, we spoke to an attorney about this. He recommended separate accounts, except for a joint checking account, for the following reasons: 1. If one of us was sued for anything, the other's accounts would be not be threatened. 2. If one of us decided to make some hare-brained invest...
by gasdoc
Sat Oct 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 684

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. gasdoc Of the three, which do you have actual accounts with (like log in credentials)? The reason I ask is because it seems Equifax & Experian don't require any...
by gasdoc
Sat Oct 07, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 684

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

We (myself, wife, and new adult daughter), have had security freezes with the big three companies for many years (ten?). It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. Usually, I will ask the company I am doi...
by gasdoc
Sat Oct 07, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1405

Re: Combining spouses separate accounts into one joint account. Any downsides?

We have all of our investment accounts held jointly at Vanguard, which I manage. We have all of our (separate) IRA accounts at Vanguard, which I manage. I have my self-employment defined benefit plan assets at Vanguard, which I manage. We have one joint online checking account, and one joint local c...
by gasdoc
Sat Oct 07, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1236

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

OP, to directly answer your question, this is not related to your security freeze. Anything charged on an already-owned credit line does not go through a credit check. As others have stated, this is the credit card company's fraud alert system.

gsdoc
by gasdoc
Fri Oct 06, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4910

Re: Anyone go 100% Ally or another online bank for all banking needs?

I believe lots of people are now going 100% online banking- wonder if anyone has ever done it and had a problem....

gasdoc
by gasdoc
Fri Oct 06, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

Could you envision a situation where you would need a relatively large amount of cash without the ability to wait the 48 hours required for a transfer from CapitolOne360? Do you have one in mind? I am having difficulty imagining one. I assume you are saying I could not use a credit card or personal...
by gasdoc
Thu Oct 05, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

the account sits with the only activity being Ally Bank transferring in $.25 (twenty-five cents) and withdrawing 11 and 14 cents monthly, to avoid the account being tagged inactive. Just curious - why these odd amounts and so many transactions? I just setup auto ACH transfers of $0.10 back and fort...
by gasdoc
Thu Oct 05, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4910

Re: Anyone go 100% Ally or another online bank for all banking needs?

I'll ask the question from the other direction. I understand the allure of simplification, but is it really that big a problem to keep the CU account open? I have kept my CU membership even though I do almost all of my banking online. There are no fees of any kind and it is < 1 mile from my house. ...
by gasdoc
Wed Oct 04, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

I keep $5.00 because it's a nice round number. Every dollar I keep locally at at .1% or less interest is a dollar that isn't at Ally making 1.2% or 1.5%. Midareff, do you find it at all embarrassing to go into the branch knowing they are looking at your $5 balance? I went into our CU to add my wife...
by gasdoc
Wed Oct 04, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

Thanks, Folks, My post is specifically for those people that do the majority of their "banking" via a remote, internet location, and keep a local bank for emergencies. How much cash do you keep in the local bank for emergency purposes? Thanks! (All responses are appreciated, by the way.) gasdoc
by gasdoc
Tue Oct 03, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3499

Re: Equifax to offer free “credit freeze” for life

mhalley wrote:
Tue Oct 03, 2017 6:30 pm
The nyt link above is not working for me. I will post a link to the same article I think
https://www.nytimes.com/2017/09/27/your ... ology.html
Just read the NYT article. I am losing my enthusiasm.

Gasdoc
by gasdoc
Tue Oct 03, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3499

Re: Equifax to offer free “credit freeze” for life

Thank you for posting this. I’ll be watching to see if their lock is the same as a freeze.

Gasdoc
by gasdoc
Tue Oct 03, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

Thanks, everyone. So far, I hear two weeks (livesoft) to four weeks (Watty) of expenses at the local bank. My $1K seems pretty meager to me now. I have already answered the question of whether to keep a local credit union in an earlier thread (the answer was yes). Number of weeks of expenses is prob...
by gasdoc
Tue Oct 03, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Cash in a local bank or credit union

Hi, folks, Recently I decided to keep open an account in a local credit union, even though we do most of our banking online (CapitalOne360). I have searched earlier Bogleheads posts, and have not found a good conversation about home much cash folks keep in a local bank or credit union. We are consid...
by gasdoc
Tue Oct 03, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1409

Re: Oil stains: How to treat?

For small spots I use Goof Off spray, then immediately mop that up with a paper towel, and repeat. Then put down powered concrete on top of the spot. In a day or 2 after sweeping up the concrete, you can't see any difference. Sealing the garage floor also helps with cleanup. We had the garage floor...
by gasdoc
Mon Oct 02, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4198

Re: Waxing my car!

Wash & Wax at the car wash once per month. Our cars stay shiny for ten years until we sell them. I use an Armorall-like product on the inside trim once per month as well. When we trade in our cars at CarMax they are bought from us as "show ready."

gasdoc
by gasdoc
Mon Oct 02, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 1917

Re: Go to cash now or in late December when i need the cash

Cash needed in a few months should be in cash. Ally Bank or other high interest rate savings account. I agree that funds needed in the next 3-5 years should be in cash, and especially funds that are needed in the next few months. New cash should not be invested that will be needed. However, I think...
by gasdoc
Mon Oct 02, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Your Investing Life™: Helping parents prepare for the future."
Replies: 6
Views: 1023

Re: Vanguard: "Your Investing Life™: Helping parents prepare for the future."

It is also a "wake-up call" to those of us who will be the oldsters in a few years, to take care of things while we can do it ourselves.

gasdoc
by gasdoc
Mon Oct 02, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 1917

Re: Go to cash now or in late December when i need the cash

Personally, I would just sell when I need the money. However, the right answer would be to dollar cost average- take out a portion each month leading up to when you need it. It will only matter if the market takes a large swing between now and then.

gasdoc
by gasdoc
Sun Oct 01, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1844

Re: Bed Pillows

I like the COOP pillow.

gasdoc
by gasdoc
Sun Oct 01, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 5985

Re: Is it a waste of money having your furnace checked every year?

I have always had annual service for both my AC and furnace. Part of the service package I have is that I also get priority service if I have I ever have a problem. I live in Atlanta and one time my A/C stopped working on the just about the hottest day of the year. They were over within a few hours...
by gasdoc
Thu Sep 28, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house? ("Small Law" edition)
Replies: 19
Views: 2288

Re: Can we afford this house? ("Small Law" edition)

Based on my experience, the longer you can stay in the less expensive house, the better it will be for you both financially and emotionally. The lower monthly payment feels better- less pressure. I would wait until the kids get in their teens, and then move to the bigger and nicer house if you still...
by gasdoc
Thu Sep 28, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Are we suckers for not pursuing Public Service Loan Forgiveness?
Replies: 18
Views: 2003

Re: Are we suckers for not pursuing Public Service Loan Forgiveness?

I had an option such as this long ago. I decided I would rather start my practice in my ideal location rather than the place that had loan forgiveness. I chose to spend the time working into a partnership rather than doing the loan forgiveness time in an undesirable place.

gasdoc
by gasdoc
Thu Sep 28, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What best to do with 150k cash in medical school?
Replies: 14
Views: 1242

Re: What best to do with 150k cash in medical school?

Pay for school yourself. If you need a loan to finish med school, you might accept money from a parent, but certainly not from other family.

gasdoc
by gasdoc
Thu Sep 28, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5926

Re: My Smartest Financial Moves

Read "Millionaire Next Door," and a couple of John Bogle books. Then kept reading and learning.

gasdoc
by gasdoc
Thu Sep 28, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46038

Re: Quicken's future direction - a cause for concern

Updated flawlessly. I'll give the new guys a chance.

gasdoc
by gasdoc
Wed Sep 27, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7344

Re: New HSA provider Lively offers investments for $30/yr fee

Thanks! Might consider changing from Saturna at some point, but for now I'll wait and see. Saturna is nothing special, but it is an inexpensive place to invest larger HSA accounts and not been unreasonable.

gasdoc
by gasdoc
Wed Sep 27, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10983

Re: My Rolex story

Bogleheads: At the end of World War II in 1945, there were millions of American service men and women waiting their turn to go home on a ship. To kill time, the Army started inter-divisional competition. I was sent to represent the 101st Airborne Division in a swimming meet in Switzerland. After th...
by gasdoc
Wed Sep 27, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7344

Re: New HSA provider Lively offers investments for $30/yr fee

Is anyone familiar with TDAmeritrade? Do they charge fees for Vanguard funds? Do they have reasonable inexpensive index funds?

gasdoc
by gasdoc
Tue Sep 26, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10983

Re: The Rolex and The Boglehead

Is there room for middle ground? I love my $250 Citizen Eco Drive.

gasdoc
by gasdoc
Tue Sep 26, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8313

Re: Where do you get your news?

6pm, Bret Baer, Fox News Channel for in depth reporting. AP Top Stories for survey throughout the day. Use my polarized sunglasses to block out the "glare" in the various sources.

gasdoc
by gasdoc
Tue Sep 26, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4467

Re: IOS 11: Anybody using it yet?

The update has noticeably increased the speed on my 6s. I like it

gasdoc
by gasdoc
Tue Sep 26, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?
Replies: 6
Views: 813

Re: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?

Some of us put our offspring as authorized users on our credit card to allow them to build up an initial credit history in a supervised fashion or even just to have for emergency use only. In our case, our daughter uses for things we agree to pay for, and she uses only her debit card for uses she is...
by gasdoc
Mon Sep 25, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?
Replies: 6
Views: 813

Re: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?

Not an expert by any means, but I was told by my credit card issuer that by having our daughter's name on the card as an authorized user, it allows her to build a credit history.

gasdoc
by gasdoc
Mon Sep 25, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: High school scholarships
Replies: 9
Views: 911

Re: High school scholarships

I believe the OP was asking about high school scholarships rather than college scholarships? The private HS where our daughter applied did have scholarships available. We thought it would be a waste of time having her apply for them, but, Lo and Behold, an OB/GYN colleague's son was awarded the scho...
by gasdoc
Mon Sep 25, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8225

Re: Age you retired

Wonder if some of the early retiring folks are second earners? My wife retired (from full time employment) at age 31. Guess she was better with her finances than I have been with mine. :confused I am shooting for age 62, and am currently 80% of the way there at age 56.

gasdoc.
by gasdoc
Mon Sep 25, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Is it a stupid financial decision to rent for another year?
Replies: 13
Views: 876

Re: Is it a stupid financial decision to rent for another year?

Assuming you would be buying a bigger house than you are currently renting, you most likely will see an increase in expenses. I would re-visit the renting vs buying decision when you outgrow the rental.

gasdoc
by gasdoc
Mon Sep 25, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2108

Re: AirBnB Hosting - In lieu of traditional rentals

My buddy has 9 properties on AirBnB now. He's been a landlord for 20+ years, but only recently moved to AirBnB on some of these. We live in an a 60,000 pop. small town outside Charlotte, NC. He said there's a need in this area for long term temporary housing. He noted that he has travel nurses who ...
by gasdoc
Sat Sep 23, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2474

Re: How Often Do you make a Back-Door Roth Conversion

PhysicianOnFIRE wrote:
Fri Sep 22, 2017 6:04 pm
Early January every year for both my wife and me.

I make a non-deductible contribution to an IRA to a money market fund one day and convert to Roth the following day. Step by step instructions with screenshots (Vanguard).

:beer
-PoF
This.
gasdoc
by gasdoc
Thu Sep 21, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2914

Re: Should I even bother with buying a school picture?

We took our own pictures of our son. Worked out just fine. :happy That's what my family ended up doing for my college graduation pictures. My jaw dropped when I saw the prices that were being charged by the photographer the university used to take pictures of students during the ceremony. Instead o...
by gasdoc
Thu Sep 21, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2914

Re: Should I even bother with buying a school picture?

Like a previous poster, we get the cheapest 5x7 available each year. No, they are not high quality. Yes, we take lots of good photo's year round (I am not half bad with a good SLR). At important milestones we had professional photo's done. I have all of the photo's scanned and kept on my computer, o...
by gasdoc
Thu Sep 21, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying Life Insurance
Replies: 25
Views: 3694

Re: Buying Life Insurance

The agent can drive a Honda off what he makes off your term life policy. If he sells you the whole life policy, he can drive a Lexus. How badly do you want to make his Lexus payment? I would say, "thanks, but no thanks." Plain old mutual funds will yield better, with lower fees, and they can be sold...
by gasdoc
Thu Sep 21, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Funding parent IRA
Replies: 10
Views: 790

Re: Funding parent IRA

Yes, an IRA requires earned income. Some people "hire" their children, many set up an IRA as soon as the child starts their first job and match their income. The only exception to earned income is that you can fund your spouse's IRA with your income. oh...hm...So, I can technically hire my mother, ...
by gasdoc
Thu Sep 21, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1300

Re: Do you pay for credit monitoring?

Toons wrote:
Thu Sep 21, 2017 7:26 am
No.
:happy
Also, no.
:happy
gasdoc
by gasdoc
Tue Sep 19, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3458

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

As a doctor I disagree that good physicians are at city hospitals. I think for sure better facilities and greater acuity is at larger sites. But physician quality depends on the services-outpatient or ambulatory care vs surgical/ trauma. Many enterprising docs from prestigious locations choose smal...
by gasdoc
Tue Sep 19, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4419

Re: Memory Foam Mattress Recomendations

Per Consumer Reports:

Highest rated mattress under $1000 from a store: Denver Mattress, Doctor's Choice mattress, $500

Highest rated mattress under $1000 from online source: Casper, The Casper mattress, $950

gasdoc
by gasdoc
Tue Sep 19, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 869

Re: Short term disability insurance

I would, if at all possible, self insure for STDI. GASDOC Let's say I offer $1 million payout for $1 a year - would you take it? My point is that, at least intuitively, there seems to be some threshold ratio of total benefit to annual cost, above which it would seem reasonable to pay for STDI. OP's...
by gasdoc
Mon Sep 18, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 869

Re: Short term disability insurance

I would, if at all possible, self insure for STDI.

GASDOC
by gasdoc
Mon Sep 18, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2649

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc crap now I wish my dad was a doc :D I have letters after my name and don't get 500/mos in general spending money. I bet your daughter is popular Actually, during her senior year in high school we made a deal with her that she coul...