Search found 171 matches

by jodydavis
Tue Nov 28, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8618

Re: Can I afford a $1,400,000 house

Yes you can (or will be able to) afford it. But as others have pointed out, it's probably a bad idea. Mostly because, although you think you know how you will feel in a few years, you don't really know, and people are largely lousy at predicting how they will feel. If you buy the house and stretch, ...
by jodydavis
Tue Oct 31, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Will we be house poor in Boston? Help us to set a budget limit
Replies: 36
Views: 2880

Re: Will we be house poor in Boston? Help us to set a budget limit

Newton resident here - moved from Cambridge/Somerville for the schools/space. Based on your income and savings (assuming your income is relatively stable), $1.2-1.5MM should be doable, and would not leave you "house poor." And in that range, there should be a good number of decent options, either mo...
by jodydavis
Thu Oct 19, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1511

Re: Europe vacation, family of 5

Echoing what others have said: 1. Transport for 5 - Uber, etc., often have options for vans and larger cars that can fit 5. You pay a bit more, but can all fit in the same car. Very easy to use, just like in the US. Subway in both London and Paris is also very easy to use, and will put you at most a...
by jodydavis
Tue Oct 17, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6006

Re: What do you buy in Asian food stores?

The reason for my questions is that the Asian cuisine seems too complex for my preferences. And people, like the woman in the Vietnamese store I mentioned in the OP, emphasize the need for elaborate preparation, sophisticated sauces, and other work. I am looking for 80/20 solutions: maximum nutriti...
by jodydavis
Sat Oct 07, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47816

Re: Picking College and College Scholarships

I never said that there was one “type” at Yale. Coming back to my Brown and Columbia example, how many kids do you know that would fit well into both? You did say that H and Y "attract different types," but it's possible I read too much into that. My point is that, because there is such a wide rang...
by jodydavis
Sat Oct 07, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47816

Re: Picking College and College Scholarships

I wonder whether your experience is representative. I've always thought that the differences between students at the most selective schools were exaggerated, often out of a desire by the students to differentiate themselves. It's hard for me to imagine that admissions offices can sustain that kind o...
by jodydavis
Fri Oct 06, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47816

Re: Picking College and College Scholarships

Thanks for the reply, that's very helpful. And it makes more sense, thinking about the large numbers of potentially qualified students, once you define the issue as "fit." That said, it does sound like things are perhaps a bit different today. I went to Yale undergrad, and I'm not sure I saw any dis...
by jodydavis
Fri Oct 06, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47816

Re: Picking College and College Scholarships

The second half of that quote speaks to the admiration I have, for the most part, in the decisions reached by Admissions Officers at some of the selective schools. They seem to read between the lines of LoRs, and apparently read essays carefully, and I have been impressed how they seem to reject th...
by jodydavis
Fri Aug 25, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3191

Re: Should I abandon airline credit cards for cash back?

Have you considered shifting to hotel points (or flexible points with hotel options)? Like you, I have given up collecting airline miles (after logging million+ miles on AA, etc.), because I personally don't have the flexibility required to maximize values given the increasing restrictions on award ...
by jodydavis
Fri Aug 25, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 4802

Re: Priorities - Biglaw junior associate

Former biglaw associate here. It is interesting to see how divided the opinion is. I also agree that you should give more weight to the opinions of the lawyers, as the unique aspects of biglaw (very low likelihood of partnership, up or out structure, high burnout, etc.) make it somewhat unlike other...
by jodydavis
Wed Aug 23, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: At age 66, should let my $1MM life insurance policy lapse?
Replies: 32
Views: 4552

Re: At age 66, should let my $1MM life insurance policy lapse?

I agree with the previous post. From a purely financial perspective, it makes sense to keep it since the expected value of the policy is currently positive.
by jodydavis
Fri Jul 07, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1537

Re: Passing through Las Vegas for 1.5 days..hiking

If you are there primarily for the hiking, then Zion is a no-brainer. I actually prefer it to the Grand Canyon. If you can get a permit to do the overnight Narrows hike, do it, as it is spectacular (though even a short day hike from the bottom is terrific) - plus, it's very shady, so won't be too ho...
by jodydavis
Wed Jun 07, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 38
Views: 5361

Re: Chase hotel credit cards / IHG Anniversary Free Night

Re: IHG card - I agree that it is very easy to book the free night, and there are no restrictions as far as I can tell, in terms of which hotels, so long as they have a basic room available. So for $49 you can book a free night at any Intercontinental hotel in the world (see, e.g., Bora Bora), which...
by jodydavis
Tue May 23, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 33
Views: 5712

Re: I admit, I give up [need strategy for getting back in]

As others have noted, the main issue seems to be behavioral (loss aversion, market timing, etc.), and this both led to your exiting the market when you shouldn't have and is leading you to avoid investing when you should now. So the question is what option will best: (a) allow you to overcome your f...
by jodydavis
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 23
Views: 2621

Re: Galapagos Trip, Suggestions

Re: Galapagos - the key is to find the right boat with the right itinerary that fits what you want. Although some folks do this independently, access to the islands is very controlled, so really the best way to do this is through a cruise. Scuba diving boats are different from the regular expedition...
by jodydavis
Thu May 11, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5344

Re: Travel tips for first time visitors to England and France?

Lots of good advice so far. A few additional tips: 1. Resist the temptation to overschedule. You'll want to pack in a lot of things on your first visit, but try to leave room to wander. Both London and Paris are great places for wandering and finding an unexpected cafe, neighborhood, shop, park, etc...
by jodydavis
Mon May 08, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1500

Re: Seattle and Vancouver with kids

Former Seattlite here, with kids. Lots of good recommendations. For kids, I think especially: 1. Ferry ride to Bainbridge, if weather is nice. Beautiful views of Seattle. Novelty of being on a large ferry. Can also walk along the harbor, maybe ride the big ferris wheel. 2. Aquarium, Science Center, ...
by jodydavis
Thu May 04, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 22426

Re: Buying a luxury car (how dumb would it be to do this?)

A lot of people are pointing out that we need to save more for college. As someone who teaches kids at an expensive, private university, I'm acutely aware of this issue. We've run the numbers extensively. Our oldest is 10 years away from college (and our employer pays half of the tuition). We've ca...
by jodydavis
Mon Apr 24, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 3280

Re: Alaska cruise advice

The SO and I are looking at taking a cruise to Alaska this year. She's been on several cruises; this would be my first time. We haven't been to Alaska before. Searching the board, it looks like there are quite a few experienced Bogleheads who may be able to help with some questions: 1. Cruise line ...
by jodydavis
Sat Apr 08, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6428

Re: How many financial secrets?

No secrets here. Annual financial check in. Otherwise, we each manage our own individual accounts and jointly manage our joint accounts. Same overall goals and spending patterns, so very few disagreements. Where disagreements do arise, we talk and work them out. Always discuss any major purchases or...
by jodydavis
Sat Apr 08, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 5084

Re: Packing cubes for travel

To each his own. I'm usually 100% in favor of methods to increase organization, but I haven't drunk the Kool Aid on this one yet. Agreed. This is a classic YMMV thing, depending on how you travel and how you pack. I find them useful. Organizationally, they help, as many have noted. Less noted is th...
by jodydavis
Mon Mar 20, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 6181

Re: Any downside in buying a brand new house ?

We bought a new house several years ago, and I agree with a lot of the advice. Because we bought before everything was finished, we were able to ask for certain changes and modifications, which greatly improved the utility of the house for us. So there were definitely substantial upsides. That said,...
by jodydavis
Tue Mar 07, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6857

Re: Advice on relocation or staying put

srt7, Then, it makes even less sense to me. Depending on which high-tech area that you refer to, I do not see those 3 places Seattle/Boston/Denver has better opportunities than Austin. KlangFool It only makes less sense if you ignore the OP's stated reason for leaving Austin. It's not that there ar...
by jodydavis
Tue Mar 07, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6857

Re: Advice on relocation or staying put

srt7, Then, it makes even less sense to me. Depending on which high-tech area that you refer to, I do not see those 3 places Seattle/Boston/Denver has better opportunities than Austin. KlangFool It only makes less sense if you ignore the OP's stated reason for leaving Austin. It's not that there ar...
by jodydavis
Mon Mar 06, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6857

Re: Advice on relocation or staying put

I grew up in Seattle (17 years) and currently live just outside Boston (23 years now). Both are great places to live, with lots of interesting restaurants, culture, access to outdoors, growing economies, etc. Expensive, yes, but assuming you are willing to foot the bill, it then comes down to a matt...
by jodydavis
Tue Feb 07, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5085

Re: Disney Cruise instead of Disney World?

I've been to both, and agree with those who say it all depends on what you and your son want out of a vacation, as they are very different. The Disney Cruise is very much like any other Caribbean cruise, except with Disney characters and theme-ing (done very well). Lots of characters, pool, activiti...
by jodydavis
Tue Dec 20, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9387

Re: Hard Endeavor/Exercise in Middle Age

If you like the camaraderie and physicality of certain team sports, have you thought about joining a basketball league? Not as physical as football or hockey, but more than baseball/softball. It's a great team sport, and at 35, the ratio of enjoyment/injury risk is still positive. And they have leag...
by jodydavis
Fri Dec 09, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult...ten months later.
Replies: 166
Views: 20563

Re: Learning an instrument as an adult?

Calculus in college wasn't easy, either. But I gutted it out because I had to in order to get an engineering degree. Chemical engineering wasn't particularly easy. But I stayed with that because of the job prospects. Getting an MBA while working full time wasn't easy and neither was making the deci...
by jodydavis
Thu Dec 08, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult...ten months later.
Replies: 166
Views: 20563

Re: Learning an instrument as an adult?

Go for it! It's never too late to start, and it can be very rewarding. That said, here are some thoughts: 1. Think carefully about which instrument you want to take up, as they are all quite different. Most important is what speaks to you, as that will motivate you. Beyond that, a lot depends on wha...
by jodydavis
Wed Dec 07, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 8661

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

If you can afford it, buy the seat. Given his size and the length of the trip, you will be glad to have the extra space. Plus, with three legs each way, plus airport time, you and your spouse will be exhausted, so anything that might possibly make the trip easier will make a big difference. You migh...
by jodydavis
Mon Nov 21, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: cheap hotels in NYC
Replies: 35
Views: 3484

Re: cheap hotels in NYC

I go to NYC all the time and stay at a wide range of hotels, from superluxe to cheap. My go-to cheap(ish) hotel in NYC is the Hilton Garden Inn on W. 35th. Reasonable prices during fall/winter. Very convenient location near Times Square, Penn Station, good Korean food. Rooms are small but very clean...
by jodydavis
Mon Nov 14, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: How to give a young traveller in France some "walking-around money?"
Replies: 25
Views: 2802

Re: How to give a young traveller in France some "walking-around money?"

I agree with those saying that giving her paper Euros would be best. Feels more special getting paper foreign currency (rather than plastic), and will get her excited about the trip. Plus, having cash on hand is always very convenient and removes some of the anxiety of finding an ATM, worrying if yo...
by jodydavis
Wed Oct 19, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Moving ownership of Vanguard Brokerage account to revocable living trust
Replies: 28
Views: 4062

Re: Moving ownership of Vanguard Brokerage account to revocable living trust

I did this just recently (i.e. moved ownership from individual account to a new account owned by a revocable living trust) and filled out form no. 2 on your list. It was very straightforward, although as others have noted, it did take several weeks for the new account to be established and then a fe...
by jodydavis
Sat Oct 08, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 22787

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Coworkers will often make comments about how we're making good money so we should just do x or buy y. When it comes to cars especially we've both gotten a bunch of comments asking why we drive "beaters" (we both drive 10+ year-old cars in excellent condition with barely 100k miles). Why a...
by jodydavis
Sat Oct 08, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 5758

Re: Should I upgrade my beat up car?

Another vote for upgrading. Main reason - as indicated above, safety for you and your wife. It's pretty amazing how many more safety features have been introduced in the last 10+ years. I recently upgraded a 10+ year old car and was shocked. It is good to be frugal, but I'm surprised at how quickly ...
by jodydavis
Mon Aug 22, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4496

Re: Favorite Asian Vacation?

Of the places you haven't been, I would vote either Malaysia/Singapore or Indonesia. Malaysia/Singapore - wonderful street food, interesting mix of islamic/chinese/indian cultures and cuisines. You mentioned you are active, and there are nice beaches in parts, snorkeling/diving, and also adventures ...
by jodydavis
Wed Aug 17, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9331

Re: new chapter of life started - want to save and grow money

Congrats on finishing your residency! After so many years in training, it's understandable that you would feel that it's time to finally enjoy life and spend a little. And it's also understandable that you are, in some ways, banking on a very likely increase in future earnings to support this spendi...
by jodydavis
Thu Aug 11, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 3903

Re: How to address a college professor with a PhD (Dr. or Prof.)

I think it's generally safest to address any college professor (whether tenured, untenured, adjunct, Ph.D, no Ph.D, or whatever) as "Professor." This avoids having to make fine distinctions about degree or rank, and it's unlikely that anyone would take offense. They can then let you know i...
by jodydavis
Wed Jul 20, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 11248

Re: Just got back from Europe...ready to sell my International...

Just got back from my local Target and it was packed ... ready to buy lots of Target stock ....
by jodydavis
Sat Jul 16, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 4493

Re: Raising a reader

Our son is going to be 8 months old soon, and both my wife and I want to ensure that he gets into a habit of reading from an early age. What strategies have worked for parents here for that? Any ideas you guys can share? Thanks! Any ideas? Ok. The hard, hard truth is that universal literacy is vast...
by jodydavis
Wed Jul 06, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 3010

Re: Tag Heuer wrist watch

I've had a mechanical Aquaracer for about 8 years, a gift from my wife. Works great. Reliable so far. I do find that, if I don't wear it for a day or two, I have to manually wind it, which could be a pain for some, though I don't mind. Quartz is far more practical, but for some reason, I'm tickled b...
by jodydavis
Thu Jun 30, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Boston area teardown bubble? Sign of a housing downturn ahead?
Replies: 74
Views: 6048

Re: Boston area teardown bubble? Sign of a housing downturn ahead?

What makes you think the constraints are always artificial? In most of the town's inside 128 we are discussing, there simply is NO open land left to develop, unless you want to start razing parks and conservation land. Roads, utilities and water supply are also overtaxed as well with the existing p...
by jodydavis
Thu Jun 02, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 12674

Re: Would you pay 6x face value to see Hamilton on Broadway?

This play seems like a good representative of the dumbing down of society, where history needs to be presented in a entirely distorted hip-hop sensationalized form for anyone to be interested in it. I admire the arts, but I cannot get on this bandwagon. As opposed to the historically accurate Les M...
by jodydavis
Wed Jun 01, 2016 10:13 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 12674

Re: Would you pay 6x face value to see Hamilton on Broadway?

6x? No. But 3x? Yes. In fact, that's what I paid for two tickets for me and my 16-year-old daughter as part of a weekend trip to NYC. As the replies indicate, this is a purely subjective question, depending heavily on how much you like broadway musicals, how much you care about seeing the original c...
by jodydavis
Tue May 17, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 27087

Re: Rich But Middle Class

Rich_but_middleclass wrote:
Bottom line: given doctor's salary is ~$350k and relatively stable, could we simply live off of one income?



It's interesting to see how this thread has evolved. If this is really the only question, then the answer is simple math, and my guess is that you know the answer.
by jodydavis
Mon May 16, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 27087

Re: Rich But Middle Class

I agree that it would probably be better to leave out the term "middle class" entirely from this discussion. But as to the merits, here are some thoughts: Spouse and I enjoy our jobs, but feel that the income from professional daytrading may not be sustainable over the long haul, so are tr...
by jodydavis
Wed Apr 27, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 10062

Re: Law School Advice

It's finals time so dad will update... While the discssion has continued, she has also been accepted to Georgetown. Re: the Ole Miss alumi in Fl, she has tried that route and found few. This contributed in part to the theory on change of school and higher school rank- better network potential where...
by jodydavis
Tue Apr 19, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 10062

Re: Law School Advice

Law prof here at a top 30 school. I'd be cautious about making a decision based purely on the difficulty of getting a job after the 1L year. As other's have pointed out, it's difficult for almost everyone to get a good post-1L job, even at some of the top schools, as firms generally do not hire 1Ls....
by jodydavis
Wed Mar 16, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 15518

Re: For Parents Who Have Given a Child Money For Home Down Payment

But, if the money was never given, this possibility would not exist. The family could not get into a house that they could neither afford or sustain. They do not have the down payment to make this happen. "Do no harm!" KlangFool You basically continue to point out what can go wrong. Many ...
by jodydavis
Tue Dec 22, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 16429

Re: Biggest lucky break in your personal finances?

Being born in the U.S. during a time of relative peace, and into a stable, supportive (though modest) family situation that valued hard work and education.