Search found 163 matches

Return to advanced search

Re: Trip to the Caribbean - Suggestions

Going to St. John There are only two hotels/resorts on the island -- The Westin and the Caneel Bay resort. Instead, we rent a villa and have had great results at http://www.caribbeanvilla.com My wife and I stayed in St. Thomas but took a day trip to St. John, stopped in at the Caneel Bay resort. It...
by DFWinvestor
Sat Aug 30, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2633

Re: Ideas for thanking a doctor

I'm a physician. Thank you notes from patients are few and far between (at least in my setting). I keep all of them and they truly mean a lot. Just a thank you note itself is a very nice gesture. Anything more not necessary. But something edible that could be shared with the staff is always apprecia...
by DFWinvestor
Sat Aug 30, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 4907

Re: MDs should I contest hospital privileges?

I had courtesy privileges as I no longer admitted patients. Based on this I would probably leave it alone. The only exception would be if having privileges would allow you to do send patients in from clinic for imaging studies, labs, etc and order them yourself rather than sending the patient throu...
by DFWinvestor
Thu Aug 14, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1791

Re: Convince me I can make a dumb (car-related) purchase

Anyone who plans to spend 40+ on a car, should take a look at Tesla. After accounting for tax rebates, fuel & maintenance saving, difference is far less and you become green, drive a really modern car. Best wishes in your purchase. +1 I just bought a Tesla, have test driven twice before the pur...
by DFWinvestor
Mon Aug 11, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4367

Re: Affording a 1.3 million home?

I have an almost identical salary, almost identical assets. I live in a $600k house. I would never consider buying a $1.3MM house. Sorry but I am not sure how this is relevant. There are many bogleheads who make a very good salary but spend less than they could, some arguably to the point of being ...
by DFWinvestor
Fri Aug 08, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11312

Re: Cancun Hotel Recommendation wanted.......

Have you considered Isla Mujeres? A little less touristy than Cancun, yet plenty of nice dining options at the same time. It's a short ferry ride from Cancun. More mopeds and golf carts on the roads than vehicles.
by DFWinvestor
Thu Aug 07, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 711

Re: Confessions from the Peanut Gallery

I've been very bad as well. I switched from Dish to DirecTV to save a few bucks and get the free Sunday Ticket (that was just for the first year). I let them re-up me for the Sunday ticket last month and now have increased my monthly bill by $49 for the next 6 months. DirecTV finally made a deal to...
by DFWinvestor
Wed Aug 06, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1003

Re: Confessions from the Peanut Gallery

We decided we didn't need our big house since our kids are all gone, so we sold it recently and bought a townhome. The savings are: mortgage $2400/mo. (5 yrs. avoided pmts., no mtg. on the new place), pool man $200/mo., yard man $175/mo., Property taxes, about $2000/yr. net (say $167/mo.), homeowne...
by DFWinvestor
Wed Aug 06, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1003

Confessions from the Peanut Gallery

I have been a bad boglehead. I am here to confess and ask forgiveness. I am ashamed to admit this but I figured a few others might have similar stories, or it might spark someone to do some leg work themselves to save some money. I am usually fairly good with my budget. We spend about 1/3 of what we...
by DFWinvestor
Wed Aug 06, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1003

Re: Public Speaking-help

The more you do it, the better you'll become. You just have to practice, practice, practice. Know your material cold. I'd suggest getting your presentation content ironed out and don't script it. Just have key points you want to get across. Then rehearse it over, and over, and over again. Most impo...
by DFWinvestor
Sun Jul 27, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5259

Re: Please help settle an argument

Thank you every one for the replies. My side of the argument was B. There are a lot of variables of course and if the timing of the market is right, you could come out way ahead investing the money and taking the loan. Then there are the hypotheticals such as the dot com bubble, and if you had inves...
by DFWinvestor
Wed Jul 23, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1987

Please help settle an argument

I was having an internet argument with someone and we both came to the conclusion we would post it on here and see what kind of responses we would get. If this is not appropriate to post I apologize in advance. Argument A: It ALWAYS makes sense to take out a vehicle loan, as long as it is no greater...
by DFWinvestor
Wed Jul 23, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1987

Re: How is my AA? [Asset Allocation]

Your desired AA is 84/16? If so, you seem to be there now. In that case new money should be going to both stocks and bonds to maintain it. Paul I wouldn't say it is my ideal AA, I am still figuring that out but I am looking at how much I also have sitting on the sidelines in cash and the number is ...
by DFWinvestor
Fri Jul 18, 2014 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 658

Re: How is my AA?

Your asset allocation is not an outlier when compared to the many portfolio presented on the forum, so it is fine. Thank you. My apologies for not following the format but it seemed like a lot of leg work for me and a lot to read through for anyone who is willing to look at it. I just needed some v...
by DFWinvestor
Thu Jul 17, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 658

Re: How is my AA?

16.47% bonds 10% cash 19% International Remainder (54.53%) is in a variety of mutual funds, all in US stocks. I didn't really break that part down into small/large cap. Future investments will be in Vanguard total US. I'm basically trying to figure out when to start investing in equities again. I th...
by DFWinvestor
Thu Jul 17, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 658

How is my AA? [Asset Allocation]

Fellow bogleheads, Was hoping I could get some insight/opinions from some of you on my asset allocation. For brevity I will spare you from including every fund. I am 36 years old, have been managing most of my investing over the years with some help from a close friend who works in the industry. Mos...
by DFWinvestor
Thu Jul 17, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 658

Re: Your Favorite Appetizer Recipe

I saw the thread title and opened the thread specifically to mention ABT's only to find it in the OP! They are seriously addictive. I use chorizo instead of little smokies and sometimes go without any meat on the inside. Cream cheese is essential too. I put a generous amount of BBQ sauce on the outs...
by DFWinvestor
Thu Jul 17, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Appetizer Recipe
Replies: 9
Views: 1117

Re: Considering Paying off Home

I didn't see the student loan debt. Sorry, but I don't think OP should be investing at all in a taxable account while carrying $54K of student loan debt. I know some will say its fine to carry $54K at 1.7% as long as possible due to the low interest rate because it's a "good deal". That's...
by DFWinvestor
Fri Jun 20, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1183

Re: Considering Paying off Home

This is obviously a personal decision. For your income, I'd say, go for it. When I realized that we could pay off our home, the motivation kept a lot of expenses in check and kept lifestyle inflation low. We are 36 now with a paid home and good 401k, just enough in savings to last us a while but no...
by DFWinvestor
Fri Jun 20, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1183

Considering Paying off Home

Hi bogleheads. Was hoping I could get some feedback from you on the possibility of paying off my home. A little background: I am 36 and wife is 37. Annual income fluctuates $300-$350K. I started saving a few months ago to buy a nice new car. Right now I've got $24K saved up for the vehicle. And then...
by DFWinvestor
Fri Jun 20, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1183

Re: Tesla: How is my financial health? and HELOC vs Loan

To the OP: I am in a very similar situation to you. Less debt, net worth slightly higher, but also a few years older. I am considering buying a Tesla Model S myself. Having trouble pulling the trigger right now for a variety of reasons---mostly some big (optional) expenses my wife and I have had rec...
by DFWinvestor
Mon Jun 02, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 5075

Re: Vacationing in Seaside Florida?

Right down the road from Seaside, close to Grayton Beach as mentioned by someone. A little pricey but I would highly recommend this place: http://www.watercolorresort.com/ The "major road" that runs through Seaside, as I remember it was only 2 lanes wide, with frequent stop signs and pedes...
by DFWinvestor
Mon Jun 02, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1392

Re: Letter from CC company (Discover) re: current income

It says on The Discover website... "We are required by federal regulation to use updated income when determining your credit line needs." So I guess they think you need credit, even if you don't. :D Based on this, I would assume they are just doing their compliance and in fact really don'...
by DFWinvestor
Wed May 28, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2097

Re: Letter from CC company (Discover) re: current income

Interesting. I've never been asked to update my income. I just checked my account, and it shows my income as zero. How long have you been a Discover card holder? I got mine when they just came out. I am approaching the 15 year mark. Got the card when I was a senior in college, it was my first CC at...
by DFWinvestor
Wed May 28, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2097

Re: Best Large Purchase(s) Ever?

I won't count the home purchase simply because I view it as a necessary expense. Two remodels were money well spent, simply for the enjoyment and even if we don't get all the money back when we sell. $15K for a bathroom remodel. Went from an outdated and pretty disgusting looking bathroom to super m...
by DFWinvestor
Wed May 28, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3279

Letter from CC company (Discover) re: current income

This may be a bit of an ignorant question but I received a letter from Discover recently asking me to go online and update my income information. I found it a bit unusual and as far as I'm concerned they don't need to know my income given the fact that I have not carried a balance in 6+ years, and h...
by DFWinvestor
Wed May 28, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2097

Re: How to Attack Wife's Student Loans

Don't pay off her debts. Make her work for it. Terrible advice. Just terrible. You say your EF is would get you and your wife through ten months. Which makes me believe the two of you could likely survive on one salary. What are the odds that both of you would be out of work at the same time? Proba...
by DFWinvestor
Fri May 23, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Attack Wife's Student Loans
Replies: 25
Views: 1897

Re: Is now a bad time to invest?

I've spent the past 15 months buying nothing but bonds. My asset allocation was very skewed prior to this and I was aware of it for awhile. Will probably continue this for another couple of months before getting back into equities. Am I trying to time the market? I have never felt that I was, but I ...
by DFWinvestor
Fri May 23, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10041

Re: Young professional starting out.

Would be helpful if you could give us a list of some of your other investment options in your 401K along with their Expense Ratio. I don't think your allocation is that bad----or that it is really that important at your age as long as you aren't too conservative (you are not). What matters most at y...
by DFWinvestor
Thu May 15, 2014 5:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Young professional starting out.
Replies: 15
Views: 1474

Re: Share your networth progression

Wow, I have never been as much of a record keeper as some of you. I have a rough idea of when I hit 100K net worth. Same with 500K. I don't track nearly as closely as some of you, but I will pay close attention when I close in on 7 figures. I'm probably about 2-3 years out. 100K to 500K happened in ...
by DFWinvestor
Thu May 15, 2014 5:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 97
Views: 14360

Re: Tesla S

I drove from Orange County, SoCal to Vegas & back a few months back. It was my first trip so I played it safe. Full charge going 70 mph the entire way there, I had over 100 miles of range left when I hit the Barstow supercharger, & over 100 miles left when I hit Vegas. Given these numbers, ...
by DFWinvestor
Thu May 15, 2014 4:48 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 511
Views: 55034

Re: Can I be a boglehead and join a golf club?

You have a paid for home and net worth I'm guessing over $2 million. Join the club and enjoy yourself! I haven't yet joined a club but if wife and I have kids I would imagine we will eventually. It's a good outlet for kids. Most clubs I would imagine have kid's camps in the summer, opportunities to ...
by DFWinvestor
Sun May 11, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4645

Re: Tips for paying off student loans

I generally lean toward the lowest-balance approach. Those who poo-poo it as merely providing a "psychological boost" are, in my opinion, both unfairly dismissing the very significant psychological aspect of personal finance and ignoring the potential non-psychological advantages (such as...
by DFWinvestor
Wed May 07, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Tips for paying off student loans
Replies: 11
Views: 736

Re: Tips for paying off student loans

I don't see a lot of wiggle room in your budget given your salary and your debt. I would wonder why you are paying extra on your mortgage at this point rather than putting that money toward your student loans and car loan. I'd pay the smallest loan balance first and free up some money monthly in ter...
by DFWinvestor
Wed May 07, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Tips for paying off student loans
Replies: 11
Views: 736

Re: New Identity Theft Scam

This is a scam? Oh shucks. I was about to start a thread asking what I should do with my newly acquired wealth.
by DFWinvestor
Tue May 06, 2014 2:22 am
 
Forum: Personal Consumer Issues
Topic: New Identity Theft Scam
Replies: 20
Views: 2629

Re: San Francisco Restaurant Recommendations

For Breakfast: Sears Fine Foods

http://searsfinefood.com/
by DFWinvestor
Wed Apr 30, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2937

Re: Town home, good or bad idea?

I would agree with others in terms of not buying a property with a family member. Either own it outright and rent a room to your cousin, or vice versa. As for whether or not to buy the townhome yourself, a lot of things to consider which I haven't seen answered yet: 1) Do you think your current job ...
by DFWinvestor
Mon Apr 21, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1781

Re: practicing medicine in Texas...

I am a physician in Dallas and just a couple of years older than you. I'm not sure I would leave San Diego if it were me. I've lived in Texas most of my life and I'm not overly impressed in all honesty. I've actually considered moving to the west coast. You make a very nice salary for CA. You could ...
by DFWinvestor
Sun Apr 20, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 56
Views: 14141

Re: Non-tabletop fountain in home office = need dehumidifer?

My wife and I have a large indoor fountain. We absolutely love it. But it's more labor intensive than we had imagined. One thing we learned the hard way was using tap water in the fountain was a bad idea. We had a lot of calcium/minerals which would clog up the main line on the fountain and it would...
by DFWinvestor
Sun Apr 20, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Non-tabletop fountain in home office = need dehumidifer?
Replies: 11
Views: 1185

Re: California Taxes - Am I Missing Something?

Didn't read the entire thread but enough to comment. I live in Texas and have for quite some time. Physician salaries are good, real estate reasonable (except in the best areas of large cities). I have been contemplating a move to California. I could stomach the pay cut (I've checked into it and spo...
by DFWinvestor
Tue Apr 08, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10844

Re: Tesla S

I intended to order mine in January. A lot of big expenses have prevented that. Taxes, CPA fees, home project, vacation have all dwindled the money I was trying to save for a down payment. At this point I am hoping to order by June......
by DFWinvestor
Mon Apr 07, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 511
Views: 55034

Re: Saving on major renovations

I do want tops brands, I just don't want to pay top dollar In general you get what you pay for. I personally would never try to bargain with a contractor after being given an estimate. Just tactfully make them aware you are getting estimates from several people. If they want your business they will...
by DFWinvestor
Tue Apr 01, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 3075

Re: (Lack of) Emergency Fund - Are We Crazy?

I've got a money market earning just 0.7%, with enough for us to get by for six months. It's been sitting there for several years and I have been considering putting it all into my taxable account in municipal bonds.

Seems like a reasonable approach to me.
by DFWinvestor
Tue Apr 01, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3651

Re: New Friends are the Anti-Bogleheads, what to do?

I would not broach the subject, but given that they clearly stated, "we're not very good with money" and are planning to see a financial adviser to manage their investments, I wonder if they aren't really looking for help but not sure where to find it. Have any of you ever tried to help i...
by DFWinvestor
Mon Mar 31, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 9115

Re: Frugal Fatigue

We have seen a number of threads on this topic lately, it seems it is not uncommon and I have been experiencing Frugal Fatigue as well. Perhaps we should call it Frugal Fatigue Syndrome :D I have been experiencing the same lately. What I've found is while I am in some ways a spender at heart, I hav...
by DFWinvestor
Sun Mar 30, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 11209

Re: Frugal Fatigue

We have seen a number of threads on this topic lately, it seems it is not uncommon and I have been experiencing Frugal Fatigue as well. Perhaps we should call it Frugal Fatigue Syndrome :D I have been experiencing the same lately. What I've found is while I am in some ways a spender at heart, I have...
by DFWinvestor
Sun Mar 30, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 11209

Re: Options for the medical grad but no residency

Even if she could work as a PA and start work immediately (I don't think this would be possible, PA's have their own licensure which I am sure requires completing a PA program) her job prospects would not be good if she wouldn't commit to working full time. A newly minted PA grad has a tremendous am...
by DFWinvestor
Wed Mar 26, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9089

Re: Frugality regret: What thing do you regret not spending

Not spending a semester studying abroad while I was in college. +1. Too laser focused on pre-med studies. Fortunately have had lots of opportunities to travel abroad since, but nothing that would be quite like spending 6 months studying in a foreign country as a carefree college student. Same for m...
by DFWinvestor
Sat Mar 22, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 17115

Re: Options for the medical grad but no residency

Beckmaster wrote:
Texas hold em71 wrote:I think the problem with urgent care is that 9-5 are not the typical hours. Those places make their money weekends and 5-10.


Also, urgent care facilities are run by nurse practitioners or physician assistants.quote]


Plenty of physicians work in Urgent Care.
by DFWinvestor
Sat Mar 22, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9089

Re: Options for the medical grad but no residency

[/quote] I'd love for to hear of a "benign family FP residency." FP is typically a tough one, as you are almost invariably sent to the inpatient floors for peds, ob, internal med, peds ICU, and adult ICU and you have all the responsibilities but the least experience (even compared to a non...
by DFWinvestor
Thu Mar 20, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9089
Next

Return to advanced search