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Re: Purchasing physical gold??

I've used bullion direct for about ten years with no issues so far.
by C319
Sun Mar 02, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 4870

Re: Cheap ammo

I've had good experiences with both Widener's and LAX Ammo. You might want to try ammoseek meta-search as well
by C319
Sun Mar 02, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2450

Re: High Earners - What's Your Profession?

Oral Surgeon
by C319
Mon Jan 13, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28431

Re: Time to celebrate? One goal met.

Congratulations and thanks for sharing. It's amazing how it grows over time. Hopefully an inspiration to those just starting out.
:sharebeer
by C319
Thu Apr 11, 2013 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to celebrate? One goal met.
Replies: 48
Views: 5052

Re: Car buying and financial ratios - what do Bogleheads do?

Greetings AustenNut. Cars roughly 4% of net worth was simply what I interpolated from Thomas Stanley's book "The Millionaire Next Door" where he discusses household spending patterns and car buying habits. It's remained part of my IPS since I read the book and have always used this figure ...
by C319
Sun Feb 10, 2013 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Car buying and financial ratios - what do Bogleheads do?
Replies: 100
Views: 8700

Re: Car buying and financial ratios - 2013 UPDATE

Greetings Bogleheads. As the OP, I just wanted to update my post to fill in "the rest of the story" as hopefully it helps someone else. In June 2011 I pulled the trigger and sold my Toyota Avalon and paid cash for a gently used Lexus LS460. Beautiful car, but felt like too much (to me) to ...
by C319
Wed Feb 06, 2013 8:48 am
 
Forum: Personal Consumer Issues
Topic: Car buying and financial ratios - what do Bogleheads do?
Replies: 100
Views: 8700

Re: Anybody purposely loading up on mortgage debt?

Paid off the mortgage in November 2011. No regrets. We're saving extra and are less stressed about cash flow.
by C319
Wed Feb 06, 2013 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Anybody purposely loading up on mortgage debt?
Replies: 57
Views: 3321

Re: Fess up, Bogleheads - what is your portfolio?

35% Total Stock Market Index
35% Total International Stock Index
15% Total Bond Market Index
15% TSP G-Fund
by C319
Thu Nov 08, 2012 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Fess up, Bogleheads - what is your portfolio?
Replies: 78
Views: 7012

Re: Where do we bogleheads Splurge?!

Paid off the mortgage a few months ago. Don't know if it counts as a real splurge, but sure felt like one when I wrote the check.
No regrets.
by C319
Sat Apr 21, 2012 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Where do we bogleheads Splurge?!
Replies: 138
Views: 8974

Re: What Percentage of your Gross Income for Housing & Auto?

If one owns a place without a mortgage, should one still consider the cost of capital tied up in it? (There has to be some opportunity cost.) So I question those stating "no mortgage" and "no car note", whether their costs are really that low. And a car also has a depreciation c...
by C319
Sat Jan 21, 2012 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Percentage of your Gross Income for Housing & Auto?
Replies: 87
Views: 6482

Re: What Percentage of your Gross Income for Housing & Auto?

Two homes, two cars, no debt. Expenses were about 6% last year.
by C319
Sat Jan 21, 2012 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What Percentage of your Gross Income for Housing & Auto?
Replies: 87
Views: 6482

rustymutt wrote:Are they here legally?
Yes.
by C319
Sun Jun 26, 2011 12:01 pm
 
Forum: Personal Consumer Issues
Topic: What do you pay for house-cleaning services?
Replies: 82
Views: 14308

I have a mobile detail guy polish, wax & interior/exterior detail in April and October. Other than that just touchless drive-through to knock off the loose stuff once a month.
by C319
Fri Jun 24, 2011 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Keeping your car shiny
Replies: 23
Views: 2356

Paid $41,000 cash yesterday for a used Lexus LS460. Am very happy with the purchase.
by C319
Wed Jun 22, 2011 11:10 pm
 
Forum: Personal Consumer Issues
Topic: How much do Bogleheads pay for their cars?
Replies: 79
Views: 7480

We did end up doing very well financially So, you made a lot of money in real estate? Why would you discourage someone from doing the same when they could avoid the risks you took? How did you dissolve your holdings? Did you just sell when you thought the market was high and paid the taxes? Everyti...
by C319
Sun Jun 19, 2011 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Military - buy or rent?
Replies: 27
Views: 1760

Sounds like Dollysods84 could learn from your mistakes. There is a learning curve and not repeating mistakes moves you further down the road to success. Probably more important than knowing what a successful person does. Okay, will do. Funny thing is it worked out...barely. Even now I cringe when I...
by C319
Sun Jun 19, 2011 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Military - buy or rent?
Replies: 27
Views: 1760

BLUF: Rent, don't buy. I've been exactly where you are now as a serial property buyer. Early in my military career I had rentals in Hinesville GA, the DC area and Texas (10 houses total). Knowing what I know now I'd strongly suggest you not buy another house. In fact, I'd sell the first one when you...
by C319
Sun Jun 19, 2011 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Military - buy or rent?
Replies: 27
Views: 1760

I'm wearing my avatar. Go Army!
by C319
Fri Jun 17, 2011 4:54 pm
 
Forum: Personal Consumer Issues
Topic: What inspired your avatar?
Replies: 79
Views: 4747

Refinanced 3 years ago to a 10-year. Although we could possibly make more investing the difference on a longer term, we are still saving 30% of our incomes and once the house is paid off we have the option of either continuing to invest the former mortgage payment or simply cut back/quit working. So...
by C319
Mon May 23, 2011 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 or 30 year mortgage?
Replies: 21
Views: 2408

Deciding on a career field very early in life (decided on healthcare at age 10) and sticking with it has paid off. Also not switching jobs has turned out to be a good "investment", although it would be an understatement to say that military life can be really tough on a family. That said, ...
by C319
Sat May 14, 2011 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Your best non-financial investment?
Replies: 52
Views: 6027

Our goal has been to keep living expenses to around 30% of household gross income. Basically our thought is 1/3rd to taxes, 1/3rd to live on and 1/3rd for savings and investments.
by C319
Thu May 12, 2011 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's Your Monthly/Yearly Budget (as a %)
Replies: 17
Views: 2395

Ruger Air Hawk .177
by C319
Thu May 12, 2011 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Bird keeps attacking my window
Replies: 54
Views: 6525

When I first saw the thread title, I thought "free".
by C319
Thu May 12, 2011 1:37 pm
 
Forum: Personal Consumer Issues
Topic: The only wine a Boglehead should drink
Replies: 16
Views: 1734

heytred, First off, thanks for serving your country. I agree that you should do nothing until you read more and really understand and have internalized how investing works. Resist the urge to "do something" without first gathering wisdom. Custodial transfer from USAA to VG would probably b...
by C319
Thu May 12, 2011 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Young investor in need of help with post-deployment savings.
Replies: 18
Views: 3258

T-Mobile prepaid (no contract): unlimited talk/text/data: $70/mo.

Love my Dell Streak 5"
by C319
Tue May 10, 2011 3:50 pm
 
Forum: Personal Consumer Issues
Topic: How much do you really pay for your smartphone?
Replies: 70
Views: 8106

I have always used 2% of "house value" meaning implied rebuild value of the structure with no premium for the area or land value. This has worked well so far. Sometimes the account seems fat and then a large expense comes along and I'm glad the money is there. Home repairs and maintenance ...
by C319
Mon May 09, 2011 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 29
Views: 6208

Don't forget about alternative pharma sector funds:
(WEED) and (GNJA)

Never invested personally, but heard about 'em "on the street".
:wink:
by C319
Mon May 09, 2011 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: How not to invest
Replies: 16
Views: 2546

A garage ceiling tall enough to accomodate a parking/maintenance lift.
by C319
Wed Apr 20, 2011 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 10925

The combined ER of the portfolio you listed is 1.3672%, which is coming directly out of your returns each and every year. This is is 7x the cost of VG Intermediate Term Tax Exempt (VWITX) and 8x the cost of VG Tax Exempt MM (VMSXX). As others have said, I think it's no question you'll do better long...
by C319
Sat Apr 09, 2011 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Mess?
Replies: 8
Views: 1808

To novastepp: What's your goal here? Please explain. I am utterly confused as to the benefits of opening up credit card accounts in your situation. At 25 years of age, student loans and history of on-time lease payments should be more than enough to build a credit rating over time. Why on Earth doe...
by C319
Fri Apr 08, 2011 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to open a couple of credit cards; questions
Replies: 31
Views: 4244

Re: Tax Protected Accounts- How To Add Enough?

As in... Vanguard California Intermediate-Term Tax-Exempt Fund Investor Shares (VCAIX) or Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) ...would be appropriate choices to be held in a taxable account until that time I've been able to build up my IRA holdings? Those would certai...
by C319
Thu Apr 07, 2011 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Protected Accounts- How To Add Enough?
Replies: 11
Views: 1711

Your asset allocation appears okay. More importantly, what's your savings rate? At your current level of savings the amount you're putting aside probably matters more than how it's invested.
by C319
Thu Apr 07, 2011 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio too conservative?
Replies: 20
Views: 2389

My rule of thumb has been not to have more than 4% of household net worth in vehicles. Tough to stick with sometimes, but has served us well.
by C319
Thu Apr 07, 2011 10:57 am
 
Forum: Personal Consumer Issues
Topic: So...how much should I spend on a used car?
Replies: 19
Views: 2423

Re: Tax Protected Accounts- How To Add Enough?

Miskatonic wrote:In a bull market, people would be needing to furiously add Bonds or the like to maintain their AA, how do you do it, where do you put them?

thanks,

I use an intermediate muni bond fund for this purpose.
by C319
Wed Apr 06, 2011 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Protected Accounts- How To Add Enough?
Replies: 11
Views: 1711

4,000 sf main + 800 sf guest house, and is by far the smallest house in the neighborhood. We hire out housekeeping and yard maintenance. Absolutely love the home and area. Just us & one kid.
by C319
Sat Mar 26, 2011 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How big is big for a house and who cleans it?
Replies: 63
Views: 7179

I'm not following your logic. Even if you pay cash for a car, wouldn't that money have also been accumulated with after tax wages? Sure, the taxes are always there but not the additional financial drag of interest payments or potential cash flow squeeze that may result from required future monthly ...
by C319
Sat Mar 26, 2011 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 11304

Maybe I'm financially unsophisticated, but I sincerely don't understand the virtues of debt arbitrage and of holding on to "low cost" debt for the stated purpose of building wealth faster. When I take on debt to buy something I pay back the loan using after tax wages - so my labor must gen...
by C319
Fri Mar 25, 2011 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 11304

To C319 I'm facing this issue now with my own parents and it is really heartbreaking I copied your story for my wife to read. She said to tell you that your parents have a wonderful child....You!. And I agree. She would like to know how you obtained your values. You evidently did not inherit them. ...
by C319
Wed Mar 23, 2011 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financially unprepared parents in old age?
Replies: 40
Views: 5335

I think that for some people, especially older people with a relatively short life expectancy, it is rational to keep spending and not worry about their debt anymore, especially if people are willing to lend them more money. If you do not have the desire to leave an inheritance, when you are dead, ...
by C319
Wed Mar 23, 2011 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financially unprepared parents in old age?
Replies: 40
Views: 5335

I'm facing this issue now with my own parents and it is really heartbreaking. My parents are very nice people who worked hard their whole lives but mismanaged their finances due to impulsive decision making. My father never believed in saving/investing and my mom knew better but wouldn't speak up. N...
by C319
Wed Mar 23, 2011 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financially unprepared parents in old age?
Replies: 40
Views: 5335

Currently 10% of equities in the Vanguard Variable Annuity REIT Index (0.61% ER) .
by C319
Mon Mar 21, 2011 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Do you have REITS taxable accounts?
Replies: 15
Views: 3360

I hate debt so I pay cash. I find that the pain of parting with cash makes me more thoughtful about car purchases. Financing is too easy because I don't feel like I'm spending "real" money and my choices end up being somewhat less rational. For example, I'd really like a Lexus LS460, (I po...
by C319
Sun Mar 20, 2011 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 11304

Oral and Maxillofacial Surgeon here. Congratulations and wish you the best of luck in your career as a dentist. More debt always equals more risk. Minimize your new debt as much as possible and focus your energy on getting good grades and enjoying life when you can. I would also submit that your lif...
by C319
Tue Mar 01, 2011 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental School Planning
Replies: 6
Views: 1223

Tramper Al wrote:Yes, and I only wish I had written something like that.

Yeah. Great minds think alike.
by C319
Wed Feb 23, 2011 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Annuities Popular Again. Does this make sense?
Replies: 96
Views: 9985

To the OP - another book you might find helpful is: T he Physician's Guide To Investing by Doroghazi and French. Co-written by a cardiologist and a finance professor, the book addresses some of the concerns you may have as a physician. The authors discuss the basics of investing as well as how to di...
by C319
Wed Feb 23, 2011 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor specializing in physicians?
Replies: 103
Views: 13457

I decided to hold a 6% allocation to REITs in a Vanguard VA (0.595% ER) due to lack of tax-advantaged space. From what I've read a VA only makes sense if most or all the following apply: 1) if a low-cost VA (e.g. Vanguard) 2) if in the highest income-tax bracket 3) if holding high-dividend producing...
by C319
Wed Feb 23, 2011 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Annuities Popular Again. Does this make sense?
Replies: 96
Views: 9985

We save 30% of gross household annual income. Raises affect our nominal savings target only marginally.
by C319
Tue Feb 22, 2011 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your raise do you save?
Replies: 25
Views: 2420

It's been my experience that some (not all) advisors who specifically go after docs as clients do so because as a group they are an easy mark. Overconfidence bias, deep pockets, a large ego and an aversion to saying "I don't understand" gets people taken to the cleaners. Years ago one of m...
by C319
Sat Feb 19, 2011 3:33 am
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor specializing in physicians?
Replies: 103
Views: 13457

"Relativity: The Special and the General Theory" by Albert Einstein, and "Treatise on Thermodynamics" by Max Planck. I read these during summer vacation when I was around 11 years old. Successfully slogging through these books taught me that I really could understand any subject ...
by C319
Sat Feb 19, 2011 2:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Books with a direct impact on your life?
Replies: 102
Views: 11643
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