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Re: Favorite Vacation/Trip

No better time than the summer to visit California. I love the Caribbean and I love the Florida Keys and Mexico, but you are taking a trip during rainy season and it's a bit of a gamble and also hot/humid that time of year. There is so much to do and it's difficult to narrow it down for a one week t...
by DFWinvestor
Mon Mar 02, 2015 2:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 38
Views: 3696

Re: Congratulations to Emergency Doc

This is really awesome. I am a fellow EM physician and really admire what you have done. Congratulations on your great book and giving something back to future physicians.
by DFWinvestor
Mon Mar 02, 2015 2:03 am
 
Forum: Personal Consumer Issues
Topic: Congratulations to EmergDoc [Scholarship fund started]
Replies: 7
Views: 2262

Re: Tesla S

A lot of people here discouraged me from buying this car. "I have higher salary and more net worth than you and I would never consider spending that much on a car". Got a lot of comments like that in one thread. I bought it any way. :D No regrets and I have a blast every day when I get be...
by DFWinvestor
Fri Feb 13, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73618

Re: Tesla S

We bought the car because it is built here with American workers, low maintenance costs, and the obvious advantage of free charging at many stations, not just Tesla super chargers. We also have solar panels, so our electric bill averages out to $35 per month for both house and two electric cars. We...
by DFWinvestor
Fri Feb 13, 2015 9:00 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73618

Re: Tesla S

It appears TSLA stockholders have been subsidizing the Tesla owners purchase to a nice extent. "'Our financials are better than they appear; not worse'" Cramer said, quoting Musk . "At the end of the day, Tesla lost $10,000 per car [last quarter]." What people fail to realize wh...
by DFWinvestor
Thu Feb 12, 2015 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73618

Re: Investing for dividends in a taxable account

Why not pay the bills with your income from your job? Keep the taxable account in a more tax efficient stock index fund and re-invest those dividends and make your money work harder and more efficient than what you've got going now. In the accumulation phase it doesn't make sense to be triggering a...
by DFWinvestor
Fri Feb 06, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1734

Re: Investing for dividends in a taxable account

What are the interest rates on the loans? If the interest is above 4-5% I would recommend selling some taxable investments to pay them off. Ralph Interest rates are 1.7% for both student loan and car loan. It really doesn't make much sense for me to be aggressive in paying them down but for now I a...
by DFWinvestor
Fri Feb 06, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1734

Re: Investing for dividends in a taxable account

Hate to be the one to pop your bubble, but please tell us how you are going to go from $595K in current investments ($220K taxable + deferred), home equity is not an investment so I've excluded it unless you plan on selling the home and taking up residence under a highway overpass? That implies at ...
by DFWinvestor
Fri Feb 06, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1734

Re: Investing for dividends in a taxable account

Only 37 and you want to retire in 10? to each his own, but is there a job/ career you might be happier in? Best of luck! Actually what I really want is to have the ability to retire in 13 years but still want to continue working long after that, but by choice rather than by necessity. That would be...
by DFWinvestor
Tue Feb 03, 2015 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1734

Investing for dividends in a taxable account

Hello fellow bogleheads, I know this strategy has some flaws and I am hoping some of you can poke holes in my strategy. First a little background: 37 years old, current net worth around $770K after subtracting out my loans (student loan and car loan total around $100K). I have a taxable investment a...
by DFWinvestor
Tue Feb 03, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1734

Re: How am I doing? (28yr old male)

I don't see any red flags here. It seems like you are doing just fine and saving a decent amount. When you get your raise I would suggest putting at least 1/2 of that raise into investment accounts. You can increase your lifestyle a little bit but save 1/2 of it. I personally do not believe your rin...
by DFWinvestor
Tue Feb 03, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing? (28yr old male)
Replies: 14
Views: 2622

Re: Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fideli...
by DFWinvestor
Thu Jan 15, 2015 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11398

Re: Amex Fidelity CC 2% Cash Back

Thanks everyone for the great feedback! The thought of a new CC account, password and username to store in my iPhone, etc usually deters me from applying for a new card but I think this one seems worth the hassle.
by DFWinvestor
Wed Jan 14, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11398

Re: What do you drive, and why?

2014 Tesla Model S. Biggest splurge I've ever made and I am enjoying every minute in this car. We don't have solar panels yet but are already on 100% wind energy. Even with current gas prices I am paying about the same (possibly a bit less) for electricity as I was for gas in my Camry Hybrid. The ca...
by DFWinvestor
Wed Jan 14, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17845

Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fidelit...
by DFWinvestor
Wed Jan 14, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11398

Re: Am I contributing too much to retirement?

You're not going to be making $52k (after-tax) forever... As your salary goes up, your savings will go up... If your salary doesn't go up, you're never going to afford a $1 million house anyway. $10,000 savings in taxable each year (AND you are investing in retirement accounts) is an amazing amount...
by DFWinvestor
Sun Jan 04, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 4835

Re: job advice: move to Florida Keys??

Young man, grab your cheeseburger in paradise! A little less Warren Buffet and a little more Jimmy Buffett is ok at your age... I love this quote and I may borrow it in the future! Just reading the thread title, my initial reaction was "YES, go to the Florida Keys!". I read the entire pos...
by DFWinvestor
Sun Jan 04, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3481

Re: Trip to San Francisco and Wine Country

Take the long way from San Francisco to Sonoma (PCH). There is a great little town called Stinson Beach with a decent lunch spot called Breaker Cafe. Also some incredible views along the way on Pacific Coast Highway. A great casual lunch spot in Sonoma: Fremont Diner. This is the only place I've sta...
by DFWinvestor
Mon Dec 29, 2014 3:31 am
 
Forum: Personal Consumer Issues
Topic: Trip to San Francisco and Wine Country
Replies: 4
Views: 1148

Re: Do you celebrate financial milestones?

I think I am a little too much of a Type A personality because milestones have generally not been very exciting. I just think, "well I worked hard for it, this was the expected outcome, time to move on to what's next". I probably should celebrate them a bit more. I am probably 2-3 years aw...
by DFWinvestor
Mon Dec 01, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14406

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 10:03 am
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2913

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 9:53 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5882

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 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1838

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 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4907

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 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 19502

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 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 751

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 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1035

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 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1035

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 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1035

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 11:45 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5769

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 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2092

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 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2092

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
Thu Jul 17, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 678

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 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 678

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 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 678

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 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 678

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
Wed Jul 16, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Appetizer Recipe
Replies: 9
Views: 1155

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 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1220

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 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1220

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 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1220

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 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 5665

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 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1457

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 8:53 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2392

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 8:14 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2392

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 8:11 am
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3373

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 7:53 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 2392

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 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Attack Wife's Student Loans
Replies: 25
Views: 1943

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 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10198

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 4:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Young professional starting out.
Replies: 15
Views: 1500

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 4:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24765

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 3:48 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73618
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