Search found 209 matches

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: 10154

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: Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 41
Views: 8254

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: 3822

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: 7179

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: 1996

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: 28869

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: 4576

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: 7461

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: 6176

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: 7730

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: 85
Views: 8728

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: 85
Views: 8728

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: 85
Views: 8728

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: 5974

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: 10714

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 Violin as an adult? Yes, 3 years later!
Replies: 236
Views: 38260

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 Violin as an adult? Yes, 3 years later!
Replies: 236
Views: 38260

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: 9961

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: 4918

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: 4220

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: 10328

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: 26424

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 are they as...
by jodydavis
Sat Oct 08, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 7672

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: 5100

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: Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 10699

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: 4970

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 if they pre...
by jodydavis
Wed Jul 20, 2016 11:21 am
Forum: Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 13244

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: 6330

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: 3556

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: 6825

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: 17064

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: 17064

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: 30349

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: 30349

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 trying to un...
by jodydavis
Wed Apr 27, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 11247

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: 11247

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: 17821

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 of us cont...
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: 18722

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.
by jodydavis
Mon Dec 21, 2015 11:18 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 13797

Re: Bogleheads: Share how you like to vacation

We typically take one or two 10-day international trips per summer (e.g. Japan, France, Peru, Cambodia, China, Bali, Malaysia, Belize/Guatemala, Galapagos) - places with interesting cultures/history/sights/ruins + tasty food. Then usually one or two shorter relaxing vacations (e.g. Hawaii, Caribbean...
by jodydavis
Sat Dec 19, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 11828

Re: Do you reinvest your dividends/capital gains?

I also reinvest in both taxable and tax-advantaged accounts, but I have a question. If you automatically reinvest the dividends in your taxable accounts, how do you account for the impact of taxes on performance? The dividends are subject to income tax, so taking taxes out first and then investing t...
by jodydavis
Thu Nov 19, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Parents - your favorite and most challenging years
Replies: 71
Views: 9323

Re: Parents - your favorite and most challenging years

I have a teenager and a newborn right now, and I think that each age has its wonderful moments and challenges. When they are young, they need more constant attention, but the issues are relatively simpler (e.g. "don't touch that"). When they are teenagers, they don't need as much constant attention ...
by jodydavis
Wed Sep 16, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave Federal Job for a Private Sector Job?
Replies: 40
Views: 8230

Re: Should I leave Federal Job for a Private Sector Job?

I agree with the others who say that the critical variable is the travel. Question: have you traveled for work that much before? If so, then you know what you are getting into. If not, then I would think seriously about the impact of traveling that much, especially with young kids. Unless you really...
by jodydavis
Thu Aug 06, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 292
Views: 37404

Re: College Admission Time, What parents need to be aware and how to be helpful

ETA: Fairness dictates that I defend Harvard in that it's actually good for more than business (actually, they don't have an undergraduate business major). Not as good as Yale, and the kids are much nicer at Yale, :D Having graduated from Yale, I agree with the last statement. :D But more seriously...
by jodydavis
Thu Jun 18, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Dress Shirts: Off The Rack + Tailored Or Made to Measure
Replies: 15
Views: 3886

Re: Dress Shirts: Off The Rack + Tailored Or Made to Measure

Fit makes a huge difference. A number of internet companies offer custom-fit shirts for pretty reasonable prices. Not anything close to a true made-to-measure, but a lot cheaper. I've been pretty happy with shirts from Indochino. Here's an old-ish review of some of these sites: http://www.slate.com/...
by jodydavis
Fri Jun 12, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 19653

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

I don't know if this has been mentioned before, but is there any way to get the best of both worlds, i.e. use the new offer to negotiate an increase in your existing salary? Obviously this depends on the culture of your current firm, and may not be looked on favorably at some firms. But if they know...
by jodydavis
Mon Jun 08, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 8126

Re: Confused college kid

Starting and running your own business is a cut-throat rat race. Most business owners had to start somewhere and that somewhere is usually working for someone until they have the capital and experience to be successful. This. It's fine to think that you want to run your own business, and the fact t...
by jodydavis
Fri Oct 17, 2014 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: New House Built on a Wrong Lot
Replies: 9
Views: 2515

Re: New House Built on a Wrong Lot

Believe it or not, this happens more than you might think. There are actually a number of reported court decisions on cases just like this. The answer will depend ultimately on how Florida state law handles this. My sense is that the owner of the land usually has a pretty absolute right to require t...
by jodydavis
Wed Oct 08, 2014 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 6098

Re: Real life windfall experiences?

I was relatively secure financially (i.e. good salary, decent retirement savings, no debt other than mortgage) before receiving a reasonably significant windfall. I read up a bunch on this issue (both on this board and elsewhere), and found the following most helpful in retrospect: 1. Don't rush. Th...
by jodydavis
Sat Aug 30, 2014 6:12 pm
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 4522

Re: Trip to the Caribbean - Suggestions

I've never been to Aruba, but visited Anguilla a few years back. If you like beaches (i.e. the classic Caribbean crystal clear water, white powder sand, shallow), then you will love Anguilla, as the beaches are absolutely amazing. It's a pretty small island and relatively flat (i.e. not one of the t...
by jodydavis
Sun Aug 24, 2014 3:35 pm
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 17389

Re: Zegna Suits

OP, based on the responses you have received thus far, my guess is that no one (or at least no one who has responded) has any direct experience with Zegna suits, and therefore is in no position to answer the question that you originally asked.