Search found 174 matches

by Utahdogowner
Thu Apr 02, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt over budgeting
Replies: 3
Views: 596

Re: Guilt over budgeting

OK, thanks for your replies. I just wanted to make sure I wasn't being an idiot. This isn't in my personal investing statement or anything, and while I could probably be fine without draining the emergency fund, I also am very reluctant to find out. I will put all contributions on hold for now, hope...
by Utahdogowner
Thu Apr 02, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Guilt over budgeting
Replies: 3
Views: 596

Guilt over budgeting

I'm a primary care doc, so I haven't been hit like some of my colleagues that are specialists, but my volume is down to ~60%, our office is going through austerity measures, and we anticipate our take home pay (I'm an owner and am paid on production only) will be severely curtailed, and that we won'...
by Utahdogowner
Sun Mar 29, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Book suggestions for a 16 year old
Replies: 47
Views: 2347

Re: Book suggestions for a 16 year old

I am 16 years old and live in the midwest. I joined Bogleheads to get portfolio advice and lower the age of the median member. When I first registered, I thought it would be a one-time post-deal. I mean, I just wanted information on how to allocate my Roth best, but I was taken aback by the wisdom ...
by Utahdogowner
Tue Mar 10, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150579

Re: Coronavirus; How has your Life changed?

I'm quarantined. So there's that. And I can't work when that happens. Sorry to hear that. Hope you stay well. Yeah, feel fine, only 2 days left of 14 days. Caught a bad case of cabin fever and am climbing the walls thinking about the lost revenue. In my case the quarantine is clearly appropriate, b...
by Utahdogowner
Mon Mar 09, 2020 11:22 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150579

Re: Coronavirus; How has your Life changed?

I'm quarantined. So there's that. And I can't work when that happens.
by Utahdogowner
Sat Feb 29, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity's website
Replies: 1
Views: 303

Fidelity's website

What is the easiest way to check current positions as a percentage in order to evaluate for rebalancing? I have all accounts with fidelity. Do I need to do it in a separate spreadsheet?
Thanks
by Utahdogowner
Fri Feb 21, 2020 8:10 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 9
Views: 815

Re: Portfolio Review

Her 401k at TD Ameritrade – advised fund (0.65% fee) – 4.9% Of the funds mentioned only three are worth keeping: iShares Core S&P 500 ETF (IVV) (0.04%) -- US large caps Vanguard FTSE All World Ex US ETF (VEU) (0.11%) -- International stocks Vanguard Total Bond Market ETF (BND) (0.05%) -- US bon...
by Utahdogowner
Fri Feb 21, 2020 4:52 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 9
Views: 815

Re: Portfolio Review

Thanks for your thoughts. Until she picks up another job and has earned income, I don't know that it is avoidable as I don't have another place to park her 401k. It's in a managed option and I don't think we have any other choices if it's left in a 401k, actually. So that 50k in her 401k is just lo...
by Utahdogowner
Fri Feb 21, 2020 2:56 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 9
Views: 815

Re: Portfolio Review

Her 401k at TD Ameritrade – advised fund (0.65% fee) – 4.9% iShares Core S&P 500 ETF (IVV) (0.04%) Vanguard Total Bond Market ETF (BND) (0.05%) PIMCO Income Fund Insti Class (PIMIX) (0.50%) Grandeur Peak International Stalwarts Fund Insti Class (GISYX) (1.02%) Vanguard FTSE Emerging Markets ETF...
by Utahdogowner
Fri Feb 21, 2020 2:08 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 9
Views: 815

Portfolio Review

It's been 2 years since I asked for a review and opinions on my investments, I am hoping to see if I've shifted off track at all. Income: 300-350k. Stable. Doubt to see growth. Emergency funds: three months of expenses, Ally Savings CD Debt: Mortgage, 143k, 3.85%, home ~400k value HELOC 84k (buildin...
by Utahdogowner
Tue Feb 18, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12573

Re: How do you spend $$ on yourself?

I know it's a little socially taboo to say this, but frankly, spending money on a good psychologist/counselor has been one of my best financial moves, ever. I also find the $30 / 30 min workout with a personal trainer pays for itself well. Knowing myself, this helps me work harder while there and al...
by Utahdogowner
Thu Dec 19, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7571

Re: Gifts to your employees- how much?

In a large multi-specialty practice. In addition to the 9 paid days off, we're gifting FTE 200$ bonus, and our employed providers are getting $500 clinic wide and the partners at my specific group are matching that again. We also do a very small gift exchange - hang stockings and put candies etc in ...
by Utahdogowner
Fri Nov 15, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: No Kids Yet - Beneficaries - Who are yours?
Replies: 34
Views: 2874

Re: No Kids Yet - Beneficaries - Who are yours?

You could, for ~1K, set up a trust that would hire your brother (and hers if you wanted) to be executors to use the money for things you would've wanted it to go towards - like setting up a college scholarship. Pay your brothers 1k a year to meet and pick recipients, give the recipient 50k, repeat. ...
by Utahdogowner
Mon Oct 21, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5964

Re: Updgrade car for new safety features?

i just got a used 2017 outback on carvana and was very happy with the entire process and service. on the other hand, i think buying a new car for these safety features is silly. i think rear ends are the most common collision and no safety feature is gonna stop another car from hitting you. if othe...
by Utahdogowner
Tue Oct 15, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2553

Re: Inappropriate touching in a workplace- What is the best act?

She should document everything that happens concurrently: the episode, the reporting, the follow-up, etc. Include names, places, dates and time of day. All the details. Best of luck to you both, she's courageous. Some patients come and want that documented in a medical record just as one more place...
by Utahdogowner
Fri Sep 20, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Re: Should I actually finance this car?

It is broke, though, repeatedly. I've dropped ~5k into this car in the past 2-3years and have some warning lights on systems that are non-critical coming on and off at times. They create some level of anxiety even if I know they don't create an unsafe car (eg the pre-collision radar system turns on...
by Utahdogowner
Thu Sep 19, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Re: Should I actually finance this car?

Olemiss540 wrote: Thu Sep 19, 2019 6:55 pm How old are you? How long have you been practicing?
Under 40. Out of med school ~10 years.
by Utahdogowner
Thu Sep 19, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Re: Should I actually finance this car?

Note that financing the car may require you to insure it with a lower deductible than you otherwise might, and/or to possibly add other insurance. It may still be a good idea to do it, but probably check and see in advance what other costs may be involved with financing the car. Good tip. Thanks!
by Utahdogowner
Thu Sep 19, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Re: Should I actually finance this car?


I highly recommend that you get yourself out of debt and stay out of debt.
Appreciate your advice.
by Utahdogowner
Thu Sep 19, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Re: Should I actually finance this car?

you are a car person though, to be clear if it ain't broke don't fix it. I always admired this one local cardiac surgeon we used to work with that would roll into our proctor training sessions in his 20 year old ford ranger, while all the out of town docs rolled up in town cars. or the intervention...
by Utahdogowner
Thu Sep 19, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I actually finance this car?
Replies: 28
Views: 2113

Should I actually finance this car?

I'm emotionally done w/ a 12yo car I've been driving. Plan to get ~$13K for it. Don't commute far, not really a car person necessarily. Income ~275K. Debt: 130k 3.5% mortgage 110k on 2% HELOC that will switch to 0.5% above prime in 3-4 months after promo done. Took this to put full down payment on h...
by Utahdogowner
Tue Aug 20, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3845

Re: Battery powered lawn mower

anon_investor wrote: Sun Aug 18, 2019 11:14 am Checkout the Ego brand ones from HD. They have good battery run time and cut well.
+1. I've liked mine. Esp for how quiet it is.
by Utahdogowner
Tue Aug 13, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 11550

Re: Critique my exercise routine because it's not working for me

What is your diet like? Many work out, their metabolism increases and they eat more. Offsetting any gains from working out. You have a 2 phase problem: 1. Get to your goal weight (hard) 2. Stay at your goal weight (not as hard) I would tinker with your eating/diet to see what works to assist with #...
by Utahdogowner
Tue Aug 06, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6726

Re: Oh geeze. How should I pay for this? Walk me off the ledge

Greetings! Wife and I are about to have our first child birth next month and wanted to know what would be the best option? With our excellent insurance it's estimated* to be at maximum $5,000 out of pocket. Which option(s) seem best? We only have $6,000 in an emergency fund. #1 Pay cash. Deplete fu...
by Utahdogowner
Thu Aug 01, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3921

Re: Personal Trainer for Physical Balance

Has anyone used a personal trainer to work on balance issues as they age? 72 and thinking I need to work on balance. Obviously, there are all kinds of sites on internet with suggestions but have always found exercise proper technique is more than half the battle. Can a personal trainer help? All th...
by Utahdogowner
Thu Aug 01, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 9185

Re: Do you buy the highest trim car ?

Hi All, I plan to buy a SUV soon and would be buying a new car. I see that the price for trim levels varies drastically. Do you guys buy the highest trims ? Cars I am considering: 1. Hyundai Palisade 2. Subaru Accent 3. Honda Pilot I want to stay below 40k but see that Leather seats are available i...
by Utahdogowner
Mon Apr 15, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10655

Re: How do 40 year olds decide what they can afford?

Save enough to reach your goals spend the rest. We've tried to have a goal of maxing out tax-advantaged space as that is always a mantra of personal finance. As a physician-owner, that is 54k 401k + 12k Roth + 6k 529 (2 kids). >70k. I felt bad for a little while that we coudln't get much into taxab...
by Utahdogowner
Mon Apr 15, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Africa the Boglehead way
Replies: 10
Views: 1113

Re: Planning a trip to Africa the Boglehead way

As a medical student I backpacked along the Garden Route of South Africa. There was a bus service (really a van w/ a trailer) that would pick you up and transfer you hostel to hostel very inexpensively. I also ended up renting a car. We found it very inexpensive and a ton of fun. We did safari's in ...
by Utahdogowner
Thu Apr 11, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2442

Re: Replacing Main car to get better safety features

His comments were that every three or four years the safety feature improvements were significant enough to warrant rotating the car for personal use, and if it was for corporate use where corporate exposure could occur they rotated the cars every two years. Yeah, that's total nonsense. He is drivi...
by Utahdogowner
Wed Apr 10, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2442

Re: Replacing Main car to get better safety features

I just replaced our main car which drove fine but was a 14-year-old Toyota 4Runner that my wife was driving our two children around in. I updated it to a new Subaru because they had the best safety features for an SUV the size we wanted, And I couldn't talk her into a minivan. Later I took care of a...
by Utahdogowner
Tue Apr 09, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 44
Views: 3942

Re: Infertility treatments/insurance/job situation

I'm so sorry for your situation. We had fertility issues, too. Not fun. I have a cousin who had worse fertility issues and had to end up w/ IVF. He hated the job, but worked for AmEx bc they are a NY based company and require coverage of IVF, so he saw it as an after-tax $20-30K bonus. After the kid...
by Utahdogowner
Tue Mar 26, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178587

Re: What frugal thing did you do today?

jerryk68 wrote: Fri Dec 14, 2018 5:29 pm Took a shower with my wife in an effort to save water but it turned into a very long shower. But we did save electricity by burning a candle.
What a good idea! :moneybag :moneybag :moneybag
by Utahdogowner
Tue Mar 26, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 8688

Re: Paid off mortgage!

Congratulations! :sharebeer
I am filled with jealousy in a positive way.
by Utahdogowner
Sat Mar 02, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3778

Re: Advice on Grand Pianos?

Our local University sells their used but still very nice grand pianos every 2 or 3 years I'm. They open the cell up first to donors to their radio and TV programs as, so I get the letter occasionally. They seem like reasonable options to get a good and service Keanu, but I think you're probably loo...
by Utahdogowner
Tue Jan 22, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 17988

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Though the evil step mother or whoever seems to be the one that is vilified in a lot of these stories, it is really the fault of the deceased for not properly creating an estate plan to make sure their wishes are fulfilled. A trust that allocates x dollars per year (or the income or % of income fro...
by Utahdogowner
Sat Jan 12, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15876

Re: Shingrix [Vaccine availability]

Does one have to be at least 65 to get the insurance to pay for this vaccine? Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all. But my Part D underwriter lists Shingrix in their Tier 3 formulary Wow. Awesome. We haven't seen th...
by Utahdogowner
Thu Jan 10, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15876

Re: Shingrix [Vaccine availability]

HueyLD wrote: Mon Aug 27, 2018 5:41 pm Does one have to be at least 65 to get the insurance to pay for this vaccine?
Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all.
by Utahdogowner
Mon Jan 07, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6375
Views: 1434012

Re: What Movie Have You Recently Watched?

We walked into "Shoplifters" thinking it would be lighthearted. It was about as lighthearted as a story of Japanese drifters kidnapping children in order to love them better could be. Which is not very much. But it was a great film.
by Utahdogowner
Fri Dec 14, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 265
Views: 24312

Re: Favorite Purchase of 2018?

What was your favorite product you purchased in 2018? Could be big or small items. Mine is probably an American Giant Hoodie that I have ended up wearing almost every day this fall and winter. Runner up: Kinco mittens. Cheap, but warm especially after waterproofing them. Tickets to see "Hamilt...
by Utahdogowner
Mon Dec 10, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Disneyland Airbnb or suite
Replies: 6
Views: 917

Re: Disneyland Airbnb or suite

The best chain for you might be ExtendedStayAmerica since they have kitchenettes. There seems to be a number of them in the Disneyland area. I would guess that a regular hotel/motel with kitchenettes might work out better than a Airbnb since sometimes the descriptions of some Airbnb seem a little &...
by Utahdogowner
Sun Dec 09, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Disneyland Airbnb or suite
Replies: 6
Views: 917

Disneyland Airbnb or suite

I'm planning to take my wife and two children to Disneyland next month. because of soy allergies I will need a kitchen to cook basically all our meals for my son. I haven't really done southern California and Disneyland before. It's a 12-hour drive, and having talked with other people locally it's e...
by Utahdogowner
Sun Sep 02, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 8945

Re: Gardening 2018

Groundhogs, raccoons, and opossums got all of the cantaloupes. Five of those animals were caught using a trap. The groundhogs have tried eating peanut leaves. If I can get anything out of this year it would be some peanuts. Does anyone have any advice on how to keep these animals out without spendi...
by Utahdogowner
Tue Aug 21, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 7572

Re: PCP Wants Full Charge Up Front

this often has to do with high-deductible health plans. If you have a $20 copay but have not met your deductible, you are responsible for the full amount after any insurance discounts. Some doctors are not collecting any money besides the copay from patients on high-deductible plan because they dec...
by Utahdogowner
Tue Aug 07, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 14610

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Does anyone have any actual experience having to be "medically evacuated"? My former boss's wife (due to illness) had to be flown back from a winter vacation in Colorado to the Washington DC area - by air ambulance. In his case, his employer insurance covered it - but I recall the cot was...
by Utahdogowner
Tue Jul 31, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 43
Views: 3766

Re: Best BBQ in San Antonio

We loved le BBQ in Austin.
by Utahdogowner
Sat Jul 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 8381

Re: are mccormick gourmet spices better

+1 penzey's
by Utahdogowner
Tue Jul 10, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 66
Views: 9781

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

I think the guy that Josh talked to that "inspired" the article was me. I know I broached this topic with him at the conference, but lots of people talked with him. I certainly wasn't thinking it was a national bubble, more local; we bought ~3y ago for 250k a 3200sq ft split level home tha...
by Utahdogowner
Thu Jun 28, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264763

Re: [What TV Show Have You Recently Watched?]

Can't recall if it was Netflix or Prime, but saw that the BBC show, "The Night Manager" was streaming. It's a miniseries about a hotel manager and international intrigue that was among the best TV I've ever seen.
by Utahdogowner
Thu Jun 28, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264763

Re: Netflix, Your Current Favorite Show

I just got done watching Bosch season 4 on Amazon Prime. This show is by far one of my top 10 shows of all time. High quality police detective drama. If you like this stuff I suggest you check it out. Season 4 was amazing. I couldn't agree more. Seems like no one else talks about it. We loved it, t...
by Utahdogowner
Fri Jun 22, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 59791

Re: MoviePass-Too good to be true, but it's legit.

My wife and I haven't been to a movie since "The Lord of the Rings" ended due to the behavior of the other moviegoers. My last movie was Rocky II (late 70's?). I'm serious. I'd rather nail my **** to a burning building, than go watch a movie in a theater. Man, you must really hate movies....