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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: 57
Views: 2302

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: 1939

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: 1939

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: 609

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: 609

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: 609

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: 609

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: 1081

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: 1165

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: 1165

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: 1165

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: 4933

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: 1349

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: 1416

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: 1416

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: 3214

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: 1416

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: 1869

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: 8482

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: 1453

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: 13500

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: 506
Views: 50014

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: 4570

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: 720

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: 720

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: 2584

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: 2714

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: 1768

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: 13981

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: 7
Views: 789

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: 10589

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: 506
Views: 50014

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: 2979

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: 3587

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: 8872

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: 10918

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: 10918

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: 95
Views: 7704

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: 16848

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: 95
Views: 7704

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: 95
Views: 7704

Re: Options for the medical grad but no residency

Is there a specific reason why she couldn't find ANY field at all that would suit her? I'm a physician too. Medicine is so broad. Surely there are some benign residency programs out there in fields that are mostly outpatient/clinic based where she wouldn't have to work 80 hours/week in a hospital se...
by DFWinvestor
Thu Mar 20, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7704

Re: Do you love your job? What do you do?

Medical professional. Love the science and problem solving. Don't like the liability and having to deal with conditions and regulations from the system as a whole. Same here with a few caveats. If everyone I took care of was polite and respectful, this would be the best job on the planet. I don't n...
by DFWinvestor
Wed Mar 19, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11077

Re: Opinion - balance between school loans and saving

I don't think there is a wrong answer. I tend to look at how much I have to work to pay the interest. I have one remaining school loan at 1.7%, balance of 59K. I work less than two hours a month to pay the interest and principal, and less than an hour a month to pay the interest alone. I've chosen t...
by DFWinvestor
Tue Mar 18, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion - balance between school loans and saving
Replies: 14
Views: 745

Re: Your thoughts on vacation home or second home

I always dreamed of owning a lake house here in Texas. Now with the drought, so many lakes are down and a lot of them have a boat dock with dry land underneath it. This has been the case for a few years and there's no end in sight as best I can tell. You couldn't give one of those properties away no...
by DFWinvestor
Tue Mar 18, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 4093

Re: Used $35k Porsche on $64k income?

I drove $3k-$10k cars for 20 years while I amassed a fortune. Now, I drive some used high end Euro cars, and will never look back Today, I really really regret not driving a luxury car when I was younger. Buying a $15k car wouldn't have even put a dent in my net worth, and I'd have gotten a lot mor...
by DFWinvestor
Sat Mar 15, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6769

Re: Opinions on our situation? Very Long Post!

It sounds like you are doing spectacular. Normally I would cringe at the thought of living with in laws but your situation sounds like a good one for all parties. I'd consider paying off the two smallest student loans (in dollar amount). Your student loan situation seems very manageable. I wouldn't ...
by DFWinvestor
Thu Mar 13, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on our situation? Very Long Post!
Replies: 21
Views: 2515

Re: Tesla S

I agree that if finance is the only criteria and only thing you want from a car is to go from A to B, you should be limited to a used car which is pretty reliable (2-3 year old with 20-30K miles on it). This will mean some one else has eaten the depreciation for you. Now if you are spending on a ne...
by DFWinvestor
Thu Mar 13, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 50014

Re: Finance and Investing for New 33% Tax Bracket

Congrats on the success! I'm not sure if this is applicable to S corp but ask your CPA if you are eligible for a SEP IRA. You can also explore the vanguard website which may have the answer to this as well. If you are eligible for a SEP you can contribute up to 20% of your income (after deducting bu...
by DFWinvestor
Sun Mar 09, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance and Investing for New 33% Tax Bracket
Replies: 2
Views: 398

Re: How much house to buy?

Seems very affordable given your income level and you have accumulated enough net worth already, you are in great shape. If you were late 20's with the same income and no investments yet/more student loans it would be a different story. Go for it.
by DFWinvestor
Sun Mar 09, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: How much house to buy?
Replies: 21
Views: 2186
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