Search found 377 matches

by Impromptu
Wed Aug 14, 2019 9:59 pm
Forum: Personal Investments
Topic: Three fund portfolio
Replies: 13
Views: 1509

Re: Three fund portfolio

I tried to time the market with a small portion of my portfolio once. The day after the last presidential election the stock market was at an all time high. There were many financial gurus (Paul Krugman in particular) who were absolutely convinced that the stock market was going to crash and it woul...
by Impromptu
Fri Aug 09, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10109

Re: Healthy fast food

For restaurants, most of them have healthier options, you just have to request it. Even at fast food places simply requesting no mayonnaise goes a long way. In the car apples, baby carrots, diet drinks, pretzels (salty food that is difficult to eat an entire bag, unlike potato chips and Doritos). If...
by Impromptu
Mon Jul 15, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4844

Re: "Objective" Importance of Keeping Your Physicians?

I find that the way I write my notes triggers a vivid picture of a patient to me, much better than reading the notes of others. Mostly because I know how, what, and why I ask questions, so if a certain thing is or isn't documented, then I know I do not need to delve into that. But another physician'...
by Impromptu
Thu Jul 11, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6804

Re: Buying a Smoker

I have a Vision Kamado smoker, the brand sold by Lowes and Home Depot. I have smoked some great meats, but if I could go back I would opt for an electric smoker for precise temperature control without hassle. My Vision holds its temperature as well as can be hoped for, about 6-8 hours, but charcoal ...
by Impromptu
Sun Jun 02, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2811

Re: Should I buy Euros from local bank or use ATM in Europe

I just got back from Berlin/northern Germany. I have visited Europe in 1998-2000, 2003, 2011, 2013, and 2018. There has been a steady increase in the ability to pay with credit cards, even since 2013. However, cash is still king, especially outside of the major cities, or when you want to pop into o...
by Impromptu
Sun Jun 02, 2019 4:26 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7897

Re: Do you regret taking a pay cut for quality of life?

I left a higher paying medical job in a low cost of living area to a lower paying job (40% pay cut) in a mid cost of living area. In the first job I had stabilized our company to be making a good, steady, high salary. My plan was to work another 5 years to become financially independent, at which po...
by Impromptu
Tue May 07, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Aulani Disney resort
Replies: 15
Views: 2156

Re: Aulani Disney resort

If this is a first trip to Hawaii, do not stay there. There are so many great things to do on Oahu, and most of them will be far away if you stay there. You will have to drive through the worst traffic. The food is incredibly expensive. The taste did not match the price. Diminishing returns for pric...
by Impromptu
Mon Apr 22, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Mint users-is there a way to ONLY link CCs?
Replies: 2
Views: 307

Re: Mint users-is there a way to ONLY link CCs?

Mint will occasionally want to show my investment account balance from my HSA bank, but also the same balance through my TDAmeritrade login. I set one of them to inactive and it does not show up.
by Impromptu
Sun Apr 21, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4317

Re: Tips for getting the most out of your cruise?

I found this interesting video about how cruise lines work. It talks about the 3 tiers of cruise lines, how some are cheap and some are not. As well as why they go to various ports and international waters.

https://www.youtube.com/watch?v=ZY1BFv8qEeM
by Impromptu
Fri Apr 12, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1504

Re: Another lawn mower thread:

I purchased the bottom model Troy Bilt lawn mower 6 years ago. It has worked great. I did not get the power assist, but I am younger. I have mowed my parent's lawn which had tight turns, and their power assist was more harmful than helpful. I mowed my grandmothers lawn which had hills, and the power...
by Impromptu
Thu Mar 28, 2019 8:19 am
Forum: Personal Investments
Topic: Quick opinion
Replies: 15
Views: 1725

Re: Quick opinion

This is a question that has no "right" answer and no matter which one you choose, you will likely end up with the same networth in the end. I have been quite happy with Schwab and TDAmeritrade. You will find what you need there. I have not used Vanguard. From what I have read on this forum, even the...
by Impromptu
Thu Mar 28, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4386

Re: TVs: OLED vs. QLED

Think of TVs as disposable consumer goods and you will make the right choice. You are going to keep your washer and dryer far longer than you keep your TV.
by Impromptu
Sat Mar 23, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Determining what to do with your life.
Replies: 18
Views: 1696

Re: Determining what to do with your life.

As for where to live, it should be with mutual agreement. Family is a strong motivation. Do you have grandchildren? As for what to do with your life, I have found that getting involved in local causes can bring a lot of life satisfaction, probably more so than donating to some far away entity. It ca...
by Impromptu
Wed Feb 13, 2019 1:46 am
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2503

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

You are unlikely to need to get your kids teeth fixed if you personally brush and floss your kids teeth until they are 8 years old. Make it a part of the bedtime routine. Let them practice, but the parent should do it. Lay them down to floss so you can get a good angle. Juice, milk, and soda are har...
by Impromptu
Tue Feb 12, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 32631

Re: [2018 tax return - How does it compare to previous years?]

My comparison will be hard, as midway through the year I moved from Illinois (4.95% income tax rate) to Washington (no income tax), and I took a much lower paying job to be near family. I paid social security taxes twice because of the new job, which is manifested as a large federal refund. SALT lim...
by Impromptu
Sat Feb 02, 2019 9:41 am
Forum: Personal Investments
Topic: Windfall advice needed
Replies: 10
Views: 829

Re: Windfall advice needed

On the boglehead wiki it says that lump sum investing will ultimately beat out dollar cost averaging 66% of the time. That means that 34% dollar cost averaging would have been the better choice. I have occasionally heard that for those that choose to dollar cost average their windfall, that they sti...
by Impromptu
Thu Jan 24, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra on mortgage - what am I missing?
Replies: 70
Views: 7218

Re: Paying extra on mortgage - what am I missing?

For my previous mortgage, the interest billed each month was the same no matter what point in the month I made an extra payment. I would keep that money in a higher interest bearing account and then make the payment toward the end of the month, earning interest on that extra money. In my scenario m...
by Impromptu
Mon Jan 21, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra on mortgage - what am I missing?
Replies: 70
Views: 7218

Re: Paying extra on mortgage - what am I missing?

For my previous mortgage, the interest billed each month was the same no matter what point in the month I made an extra payment. I would keep that money in a higher interest bearing account and then make the payment toward the end of the month, earning interest on that extra money. In my scenario my...
by Impromptu
Sun Jan 20, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9684

Re: Grocery shopping strategy

I shopped at Aldi for 13 years prior to moving to a state that did not have them. I found that most of their food was as good as or better than the more expensive grocery stores. Later I found out that much of it is the same major brand food, but has different packaging. Their produce has improved m...
by Impromptu
Sat Jan 19, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 24611

Re: Who's buying today? where's all the "dry powder" folks at? :)

I did some tax loss harvesting on December 14, so had to wait 30 days and missed the Christmas Eve bottom. Also had to wait until the new year to have my roth conversion and some end of year bonuses to be available. Timing the market is tougher than it looks.
by Impromptu
Sat Jan 19, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50471

Re: Why are you NOT buying rental properties?

There are 3 main reasons I am not buying rental properties. 1. I want my finances and investments to be simple enough that if I died my wife could pick up and manage them without breaking a sweat. She understands Boglehead investing philosophy and 3 funds. She knows where she would put the life insu...
by Impromptu
Sat Jan 19, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: What do you think about this 5 Fund portfolio vs 3 Fund one ?
Replies: 9
Views: 1496

Re: What do you think about this 5 Fund portfolio vs 3 Fund one ?

"Just $34.95" per quarter and you can get the information that Vanguard won't tell you...Just an advertisement for someone.
by Impromptu
Thu Jan 17, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra on mortgage - what am I missing?
Replies: 70
Views: 7218

Re: Paying extra on mortgage - what am I missing?

As others have said, the higher interest rate is going to be the winner. Those that forgo paying off/down their mortgage to instead invest it typically will invest in the stock market where they hope to obtain an 8-10% return, but that return is not guaranteed, so the comparison to a money market is...
by Impromptu
Wed Jan 02, 2019 11:50 pm
Forum: Personal Investments
Topic: Invested in the "wrong" funds 403(b)
Replies: 16
Views: 864

Re: Invested in the "wrong" funds 403(b)

You may also want to check if your employer allows you to hold your 401(k) in a personal choice retirement account. Schwab offers this. Others probably do as well. You will get lower expense ratios and more control.
by Impromptu
Thu Dec 27, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5772

Re: Ticket for speeding

They might be willing to change it to a non-moving violation. Pay the fine, but not points, not reporting to insurance company. Last I asked my insurance agent, a single speeding ticket will raise the premium $50 each 6 month period for 3 years, so an extra $300 if reported.
by Impromptu
Thu Dec 20, 2018 2:24 am
Forum: Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19919

Re: I made a mistake by not selling when the market was high this year

I sold some stocks to pay for a down payment for a new house in July. Not the market peak, but up there. My old house sold in November, and I paid my taxable account back in November. The market had declined. Not the market bottom, but a bit lower. This bit of luck had no skill involved. When I have...
by Impromptu
Mon Dec 17, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5758

Re: Gift Ideas for wife

Whetstone for sharpening kitchen knives.

3D printed moon lamp. They look great.

Magnetically floating globe of earth, moon, something

In home planetarium. Homestar flux.

3D printed wall map.

Label maker (surprisingly this was one of my wife's favorites).
by Impromptu
Fri Dec 14, 2018 1:31 pm
Forum: Personal Investments
Topic: 30 day wash rule
Replies: 5
Views: 422

Re: 30 day wash rule

Curious if you had an intermediate fund, like VXUS, during that time.
by Impromptu
Wed Nov 28, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7751

Re: Employeer taking vacation days on public holidays - is this legal or normal?

In our hospital based practice we take our vacations a week at a time. If you pick a week with a holiday, then that is part of your vacation, and you do not get an extra day somewhere else. But you are guaranteed not to work on that holiday.
by Impromptu
Wed Nov 28, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Air heat pump questions (any experts in the community?)
Replies: 24
Views: 1957

Re: Air heat pump questions (any experts in the community?)

I purchased a house with a 3 year old heat pump recently. While the northwest doesn't get too hot or cold, the A/C worked fine in the summer. As it got colder, we noted that the heater was just blowing unheated air, and if it got too cold, the Auxillary heater would kick in and warm it back up. Tech...
by Impromptu
Sun Nov 11, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 3314

Re: Regrets from canceling whole life insurance policy - anyone out there?

I usually refrain from telling smokers that 2 benefits of smoking are less nausea after surgery and weight loss, because they might grasp to those 2 things and continue to smoke. I think that some of us who bought various whole life policies look for the rare justifications to keep it so that our eg...
by Impromptu
Sat Nov 10, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 3314

Re: Regrets from canceling whole life insurance policy - anyone out there?

I am keeping my Variable Universal Life insurance. I have a few ongoing health issues that may make an early death a reality and a permanent life insurance option obtained in healthier days desirable. My health concerns are likely different than most of those on this website.
by Impromptu
Wed Sep 26, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5120

Re: How to pay for upcoming medical / IVF expenses

Illinois requires insurance companies to cover 3 rounds of IVF. While it might not be practical for the OP to move there, maybe others can use this.
by Impromptu
Sat Sep 01, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3590

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

If you decide that the project is not feasible, the Netgear Gigabit Powerlines work really well.
by Impromptu
Sat Aug 11, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 8084

Re: Minivan Vs SUV Experience

As you will tell from my review below, I am firmly on the minivan side. I purchased a 2018 Chrysler Pacifica. Technology, comfort, luxury, safety, responsiveness, passing power. It crushes the SUVs in every category except for ground clearance and towing capacity of larger SUVs. The adaptive cruise...
by Impromptu
Thu Aug 09, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 8084

Re: Minivan Vs SUV Experience

Key word being perception. SUVs make no sense (to me), for almost every situation; the most confusing being these "sporty" sport utility vehicles. They're essentially useless off the pavement, don't perform close to as well as an actual sports car, and often have little utilitarian value (their abi...
by Impromptu
Thu Aug 09, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 8084

Re: Minivan Vs SUV Experience

As you will tell from my review below, I am firmly on the minivan side. I purchased a 2018 Chrysler Pacifica. Technology, comfort, luxury, safety, responsiveness, passing power. It crushes the SUVs in every category except for ground clearance and towing capacity of larger SUVs. The adaptive cruise ...
by Impromptu
Sun Jul 08, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 5369

Re: Why 3-funds and not 4-funds or even 2-funds?

Some people must not like odd numbers.
by Impromptu
Sun Jul 08, 2018 6:50 pm
Forum: Personal Investments
Topic: Positioning portfolio for house purchase
Replies: 5
Views: 517

Re: Positioning portfolio for house purchase

I am buying a house at the end of this month. My emergency fund is in an online bank that has a money market account. For the last 2 years I have been putting money into this account and labeling the transaction as "down payment". While this has grown substantially, I knew that unless my current hou...
by Impromptu
Mon Jul 02, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 16
Views: 3262

Re: new mattress/bed - king size upstairs

Bump.

We moved and want a king sized bed, too. I think we will try the new Purple 4. It is supposed to be good for big guys and side sleepers. Sleeps cool. Still a little bounce and responsiveness, so I will not get stuck sunk down.
by Impromptu
Sun May 06, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 6085

Re: What do you pay baby sitters?

LCOL area. For young teenage babysitters with no experience, we pay $5/hour, especially if we need to provide transportation for them. They often play with our child for about 30-60 minutes, put them to bed (not a battle with this child so far), then they can watch Netflix or Youtube and eat our foo...
by Impromptu
Sat Mar 24, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3643

Re: $35/month for washer dryer rental?

Many washers and dryers have the same or similar internal mechanisms. There are many places that repair and refurbish washers and dryers. I bought one that even offered a 5 year warranty, which I used once. They were out the next day and replaced the part. I guess if you refurbish them, you probably...
by Impromptu
Sat Mar 17, 2018 12:59 pm
Forum: Personal Investments
Topic: Wrapping my head around bond funds
Replies: 57
Views: 7737

Re: Wrapping my head around bond funds

If I understand correctly, then bond funds and bond ladders behave nearly identically with regard to value and total yield. Return of principal is not the only consideration, but rather total yield, such as interest and interest on that interest. When taken together, they will give you about the sam...
by Impromptu
Wed Mar 14, 2018 10:20 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 892
Views: 112426

2 Comma Club

[merged Impromptu's thread and reply into the Milestone thread - moderator prudent] Hi, As others have found, this is one of the few places one can announce entrance to the 2 Comma Club. We were $50 away at the height of the market in January, but then the markets went back down and it took 2 more ...
by Impromptu
Tue Mar 13, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 24083

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

There are many moving parts to consider. SPTM, SPAB, and SPDW are commission free and a good basis for a 3 fund portfolio. Their expense ratios are less than Vanguard's expense ratios, so you will save money there. To avoid the monthly fees you need to have $5,000 in cash. I believe you will earn 0....
by Impromptu
Sat Feb 24, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Harbor Freight fold-able trailer
Replies: 24
Views: 19563

Re: Harbor Freight fold-able trailer

I have purchased 2 utility trailers from them. The first one I drove 3000 miles across country to graduate school. I used it to help friends move pianos. It was easy to tow with a V-6 Sedan. I sold it when I sold my vehicle that could tow it. But a few years later I got another V-6 sedan and so boug...
by Impromptu
Thu Nov 30, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 15648

Re: Price of haircut?

Wife does the cutting. Free! Same. She's cut my hair probably an average of 8 times per year for the past 9 years. On the rare occasion schedules don't work and I need to get it cut professionally, I go to a local cheap place for ~$18 (includes tip). So, 8*9*$18 = $1080 worth of cuts. We're on the ...
by Impromptu
Sun Nov 19, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 3388

Re: Is treating all accounts as one bucket really simpler

Chalk me up as one that has equal allocations in each of my investment accounts. I find it simpler, about the same costs, little to no tax drag as I use Municipal bonds in my taxable, and will probably come out about the same over the next 30 years. Maybe less, maybe more.

To each his/her own.
by Impromptu
Sun Nov 19, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 15386

Re: The valet smashed my Tesla into a brick wall!

A new car with lots of technology will depreciate fast like a computer depreciates. The diminished value may not be very much.
by Impromptu
Sun Nov 12, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 35324

Re: Why pay cash for a car?

0% dealership loans are more expensive than paying cash (either your own check or outside loan) because they will raise the price in many different ways that you don't see unless you run the numbers each time they write something new down. Look for the final amount you pay rather than all the other ...