Search found 382 matches

by Impromptu
Wed Feb 26, 2020 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Post Divorce Business Sale Sharing, Reality Check
Replies: 29
Views: 3088

Re: Post Divorce Business Sale Sharing, Reality Check

To clarify for myself, when you divided your assets at divorce your goal was to make an honest and equitable 50/50 split of your assets. Your portion of that 50/50 split included the business, which was honestly valued at $500,000. Her portion of the 50/50 split may have had $500,000 more cash or ho...
by Impromptu
Thu Jan 16, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3080

Re: cheap-o rental car chains

Fox at Phoenix was great last time I went in 2008. Fox in SLC was horrendous. 2 people in line in front of me was a 50 minute wait. Even then, the car was not ready. 5 years later I had forgotten how bad it was, went there with wife and 2 little kids, and it had gotten worse. If you can use a self c...
by Impromptu
Sun Nov 03, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Better.com for New Home Mortgage? Reliable?
Replies: 13
Views: 1419

Re: Better.com for New Home Mortgage? Reliable?

We used better.com last year for our home purchase. They closed on time with no problem. I have no complaints about the process. Even if it is a seller's market, do not get emotionally attached to a house. There will always be another one you might like even more. We compared widely, which was the o...
by Impromptu
Mon Oct 14, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 6003

Re: Doctors charging for things outside of insurance, is this Kosher?

Some insurance companies are mandating that surgeons collect an upfront deposit from the patient prior to allowing the surgery to occur. The surgeon I spoke with told me that the insurance company required him to install a particular software program at his office that could verify to them that the ...
by Impromptu
Mon Sep 16, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10455

Re: Minivan Vs SUV Experience

We still love our 2018 Chrysler mini van. Now we have 3 car seats across the middle row. We recently had tall in-laws here to help with new baby and they had no trouble getting into and sitting in the 3rd row. Barring twins, I doubt we will ever need the 4th and 5th latch points, as our oldest is ne...
by Impromptu
Wed Aug 14, 2019 9:59 pm
Forum: Personal Investments
Topic: Three fund portfolio
Replies: 13
Views: 1705

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: 11697

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: 5851

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: 130
Views: 11113

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: 3170

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: 8849

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: 2312

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: 341

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: 4741

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: 1689

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: 1872

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: 4899

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: 1829

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: 2714

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: 36615

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: 919

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: 7694

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: 7694

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: 10736

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: 514
Views: 50156

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: 985
Views: 102327

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: 1690

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: 7694

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: 933

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: 6164

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: 165
Views: 23158

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: 6137

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: 466

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: 8122

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: 2077

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: 3765

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: 3765

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: 5538

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: 3843

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: 128
Views: 10455

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: 128
Views: 10455

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: 128
Views: 10455

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: 5735

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: 540

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: 3548

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: 6535

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: 3802

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: 8331

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: 1403
Views: 189588

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: 29237

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....