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Re: Can a Boglehead put down 10% on a house?

I'll share our story: In 2012, our area (high COLA city) was starting to see recovery, there were multiple offers above list, the area was/is gentrifying, and mortgage rates were near historical lows. So we purchased a house with a rental/mother-in-law unit with 10% down with a PMI because the month...
by DVMResident
Mon Aug 25, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2375

Re: What if there were only index funds?

You can Index to any metric. BH-style indexes are cap-weighted and need the market to determine the price. Alternative methods, like RAFI or similar indexes tracking fundamentals, would avoid the issue William4u pointed out. I speculate in a Index only world, the metric for indexing would not be cap...
by DVMResident
Sun Aug 24, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 20
Views: 1755

Re: Mega-ROTH or taxable account

To clarify you mention that the after tax contributions can be converted to Roth once per year so by that do you mean that you can take them as a rollover to do to Roth IRA or do an in plan Roth conversion? In plan ROTH conversion. In service rollovers to IRAs are not part of the plan. With your st...
by DVMResident
Fri Aug 22, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mega-ROTH or taxable account
Replies: 6
Views: 767

Mega-ROTH or taxable account

I'm debating between mega-ROTH or taxable investments. I'm looking for insight on the pros/cons of each choice. Would you contribute excess funds into taxable accounts or mega-ROTH given the following situation? Background : My 401(k) allows after-tax contributions which can be converted to ROTH onc...
by DVMResident
Fri Aug 22, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mega-ROTH or taxable account
Replies: 6
Views: 767

Re: In the very early process of starting a business. ?'s

3. This may be a very naive question. I know you need income to contribute to a Roth. Since his income will be solely from the business, is this based on money received or does the business have to turn a profit for us to be able to contribute to a Roth? For example, if we receive $5500 in sales ne...
by DVMResident
Fri Aug 22, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: In the very early process of starting a business. ?'s
Replies: 4
Views: 494

Re: Do you tip on the tax?

My tips include the tax for no particular reason. High COLA.

I tip on the high end and higher for cheaper meals or when everyone at the table orders water. Just feels right.
by DVMResident
Fri Aug 22, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4875

Re: Cost, duration of grad school?

Veterinary school is 4 years. Costs are the same as medical school. Most students in my class borrowed for the whole thing. Summer jobs are common and sometimes they're even paid (+/- free room in the barn 8-) )! A few thousand over summer doesn't make much difference vs the high tuition. Unlike MD...
by DVMResident
Wed Aug 20, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Cost, duration of grad school?
Replies: 29
Views: 1385

Re: Longer Term Investment Goals Progress Tracking

Congrats on your progress! That's a major milestone. Next 10% should come faster :happy If you have money in the stock market then this is a weird way to track progress, at least for me. When you invest in stocks your total can go up and down. Therefore progress isn't readily measured as distance to...
by DVMResident
Wed Aug 20, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1230

Re: Resigning- what to do with CALPERS And 457 (small money)

Your questions suggest you could some help with the basics. Here's some great resources to start learning: http://www.bogleheads.org/wiki/Main_Page If You Can: How Millennials Can Get Rich Slowly (greatest $0.99 you'll ever spend) Read these. Specific thoughts on CalPERS : While the fees are high, y...
by DVMResident
Mon Aug 18, 2014 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Resigning- what to do with CALPERS And 457 (small money)
Replies: 5
Views: 530

Re: Poll: What is your International allocation?

Stocks are 50/50. I voted based on the stocks assuming that's what you meant.
Bonds are 100% US.
by DVMResident
Mon Aug 11, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your International allocation?
Replies: 5
Views: 608

Re: Rental property in asset allocation

With most REITs investing in commercial real state, yes. However, the REIT index fund includes apartments and the hot sub-REIT asset class is now single family homes. That apartment doesn't seem to help gain access to the RE housing market: REITs and Underlying Real Estate Markets: Is There a Link?...
by DVMResident
Fri Aug 08, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1171

Re: Rental property in asset allocation

I don't consider it. I think of it as a completely separate "business". I am the same way. I agree. Treat my rentals as a business with a profit or loss. They are assets I count in my net worth but not in my investment portfolio. They do probably keep me out of REITS. Ditto, though I do h...
by DVMResident
Fri Aug 08, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1171

Re: Who is doing In Plan Roth conversions?

msilenus wrote:I do roth in-plan conversions of after-tax contributions.


+1 That's my plan this December (only allowed once a year).
This is my first year with this option. Hopefully, everything goes smoothly.
by DVMResident
Wed Aug 06, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is doing In Plan Roth conversions?
Replies: 41
Views: 3013

Re: Is 30% SCV/ 70% Bonds really a good idea?

I think the bigger question is this: can you stick with a Larry portfolio despite it's tracking error?

The specific allocation is less important than staying the course.
by DVMResident
Wed Aug 06, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1715

Re: Would you use a HELOC...? Why or why not?

If you had a HELOC with a fixed rate at 1.99% for two years, would you use it to: 1. Pay off your mortgage? (Owe $322,000-28 years left) Probably, but would need to know the tax-adjusted interest rate of the 3.625%. Double check any fees associated with the HELOC. 2. Pay off your rental? (Owe $137,...
by DVMResident
Tue Aug 05, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use a HELOC to invest in VTSAX?
Replies: 22
Views: 1369

Re: Take out student loans or not?

And of course (in case that wasn't clear), you should be able to continue contributing to your Roth IRA while you're doing your PhD. We saved that amount of money per year fairly easily and were still able to e.g. go on vacations. This may or may not be true depending on the university. Stipends ar...
by DVMResident
Fri Aug 01, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take out student loans or not?
Replies: 8
Views: 563

Re: How Much Did You Lose Today?

-1.07%

Awesome, my 401k contribution goes into tomorrow 8-)
by DVMResident
Fri Aug 01, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14167

Re: Which one is the better portfolio?

The one you'll stick with.
by DVMResident
Thu Jul 31, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Which one is the better portfolio?
Replies: 5
Views: 752

Re: Landlording for long-term wealth? Who's doing it?

For those who are satisfied, I would like to see what they think their returns are, and if they are using good methodology and considering depreciation and etc. There are several different methods with the biggest. I can convince myself of almost any number I want just by picking different formulas...
by DVMResident
Wed Jul 30, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7313

Re: How old are you?

32 years and 2 weeks.

Like Jasc15, I thought I was young compared to the rest of the forum. Interesting to see a peak of late-20's to early-30 year olds.
Maybe this is the age people start making "real" money and feel the need understand finance.
by DVMResident
Wed Jul 30, 2014 6:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6557

Re: Principal Residence = Poor Investment?

There was a study showing, despite a relatively meager home appreciation (+1% real), home owners were significantly more wealthy than non-home owners even after controlling for income. The primary benefit of home ownership was the lack of liquidity. Forced savings. I speculate a disciplined renter c...
by DVMResident
Wed Jul 30, 2014 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 5302

Re: Landlording for long-term wealth? Who's doing it?

I am. Returns have been good as measured by cash flow , equity build up , and appreciation . Purchased when prices were depressed with money earned in the training phase of my career (low taxes) after maxing ROTH space. I am and will continue to take the deductions through the high earning years. Wo...
by DVMResident
Wed Jul 30, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7313

Re: Do Bogleheads Feel Wealthier?

The premise is backwards for me: I spend little to make myself feel wealthy.
"I make myself rich by making my wants few." - Thoreau

Taste for expensive things makes me feel poor and trapped.
by DVMResident
Mon Jul 28, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4658

Re: What after-tax income could you live on today?

Family of 3 in So Cal living on ~$60k post-tax dollars.
by DVMResident
Fri Jul 11, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5138

Re: When you retire you plan to?

My pie-in-the-sky dream is to live in multiple places for a few months at a time before deciding. Then doing part-time inspections in my field that will go all over the world.

We'll see what life has in store.
by DVMResident
Mon Jul 07, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3408

Re: POLL: How Old is Your Newest Motor Vehicle?

2003 Accord (me) -family hand me down in 2006 (a domino family 5 car shuffle; deal I was got the Accord if I bought my brother a 2001 civic from my uncle)
2003 Prius (wife) - purchased used from a family friend in 2011
by DVMResident
Mon Jul 07, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2445

Re: Market Timing with the PE10

Or you could just buy-and-hold RAFI-funds. Similar idea, less work.
by DVMResident
Thu Jul 03, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing with the PE10
Replies: 18
Views: 2303

Re: Who do you talk with about your financial goals?

Goals and specific numbers are 2 different things. I'll reveal numbers or goals to different people. Goals : Only the wife knows ours goals (though she doesn't care...yet). They are retire at 55, then travel as an inspector for an accrediting body in my field. This will take us all of the world. Num...
by DVMResident
Tue Jul 01, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9172

Re: The IPO is dying - Marc Andreessen

Seems like a trend that large mega-corps are buying up smaller companies. In Biotech, this is especially true. VC have fled the sector and big pharma has taken up the reigns, even hiring former Biotech VCs to lead capital investment projects. I don't know if this is a permanent shift or big-business...
by DVMResident
Mon Jun 30, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1412

Re: Can you time the housing market?

The reason I am against market timing is because I believe the market is efficient (up to semi-strong form). Since the current price reflects all the available information, we can't generate excess returns using current information. Buying a house is not like buying a stock. A stock price reflects ...
by DVMResident
Tue Jun 24, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1645

Using Larry's Minimizing Fat Tails Portfolio in a 529

I'm looking into 529 for the first time and the glide paths bother me. The bond allocations raise very quickly and, I'm worried if a black swan event occurs, the glide path could force a large sell off in the midst bear market. I reason it's safer to start more conservative and use a gentler glide p...
by DVMResident
Mon Jun 16, 2014 3:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Using Larry's Minimizing Fat Tails Portfolio in a 529
Replies: 7
Views: 666

Re: SAHM Banking Account

Does your account not charge fees? I'm waived out of it because my direct deposit from my salary. WellsFargo does not charge monthly fees if one has the PMA package. One will need to have $50,000 in investments at WellsTrade though. But, why don't you have some of your paycheck direct deposited int...
by DVMResident
Sat Jun 14, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: SAHM Banking Account
Replies: 7
Views: 568

SAHM Banking Account

My wife and I are expecting our first baby-yay! She will be staying at home for some unspecified amount of time (at least 6 months, maybe longer). She is currently at BofA. BofA is charging a monthly fee for no longer receiving monthly direct deposits or staying above the minimum. We transfer money ...
by DVMResident
Sat Jun 14, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: SAHM Banking Account
Replies: 7
Views: 568

Re: ICC Fund Closing (University of California)

kdmusic wrote:Thanks -- I'll take a look at the Fidellity fund, which seems like it may be like Total Bond a la Vanguard?

Keith


Short answer: Yes, extremely close. You won't notice the difference between the two funds.

Long answer:
Fidelity Spartan US Bond
Vanguard Total Bond
by DVMResident
Fri Jun 13, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: ICC Fund Closing (University of California)
Replies: 5
Views: 510

Re: ICC Fund Closing (University of California)

Unless you're at risk of inflation eating your purchasing power away (e.g. already retired), I don't see the point of increasing your TIPS allocation. The MM or Spartan® Short-Term Treasury Bond Index Fund - Fidelity Advantage Class Symbol (FSBAX) will probably have the nearest behavior to the ICC. ...
by DVMResident
Fri Jun 13, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: ICC Fund Closing (University of California)
Replies: 5
Views: 510

Re: Is a 2% withdrawal rate bulletproof ?

The circumstances under which 2% withdraw is unsafe for decades on end would mean the global economy will be awful. Under the dire circumstances that produce SWR of <2% would probably be accompanied by sustained deflation, deleveraging, liquidity crunch, and economical contraction.* Employment will ...
by DVMResident
Thu Jun 12, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 2% withdrawal rate bulletproof ?
Replies: 48
Views: 3983

Re: Is this a foolish asset allocation?

What I would really like to know is if the international small cap and value expense ratios are too high to justify allocating them. I asked the exact same question in this thread: Tilters: how much would you pay for a tilt? While the poll results were interesting, Berntson's response (#3 of the th...
by DVMResident
Mon Jun 09, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a foolish asset allocation?
Replies: 42
Views: 3638

Re: Bernstein: A Decade of Super-Low Returns

Can Bill provide the 95% confidence interval these returns?
by DVMResident
Mon Jun 09, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17497

Re: Frontier Markets vs Small-Cap Value

Within the context of a portfolio, EM/FM and SCV can play off each rather nicely as demonstrated by Larry: Minimizing Fat Tails Portfolio They exhibit lower correlations than other board indexes. While they are both high-risk assets their own, when paired together in a portfolio, the ride can be sur...
by DVMResident
Sun Jun 08, 2014 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Frontier Markets vs Small-Cap Value
Replies: 14
Views: 1204

Re: Why US over International?

And is it the same reason for all bonds in the lazy portfolio being US, and no International bonds? Low-cost international bonds funds are just starting to hit the market. Most of the Lazy portfolios are at least a few years old (and still good), when low-cost international bond funds were unavaila...
by DVMResident
Sun Jun 08, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 1653

Re: Why US over International?

The historic efficient frontier for international equities is ~20%. This number moves around, with internationals outpacing the US in some decades and trailing in others. For what it's worth, I split 50 US/50 International. My logic is this: (1) We don't know what the efficient frontier is in the fu...
by DVMResident
Sun Jun 08, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 1653

Re: 401K employer match. Do you have that?

2. Is the match separate from your own contributions? Maybe that's how all these accounts are set up? No, same account. It's actually most likely in a separate sub account but you just don't notice most of the time until you do something like a take a distribution. Possible. Fido's website displays...
by DVMResident
Fri Jun 06, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 2299

Re: 401K employer match. Do you have that?

Please, some questions if you don't mind.... 1. Does your employer provide a match in your 401K or other employer sponsored tax deferred retirement account? Yes. 4.5% match if employee contributes 6%. After 3 years, 5% match (replacement of pension plan) on top of the 4.5%. No employee contribution...
by DVMResident
Fri Jun 06, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 2299

Re: I just graduated, fiancee has one more year - Marry now?

2 thoughts: (1) If your fiancee is on student loans, your income have negative consequences. If your fiancee has med school paid for (lucky you), this is not an issue. (2) I did almost exactly what you're proposing (expect it was to ensure continuous health care for wife when I changed jobs on short...
by DVMResident
Wed Jun 04, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [I just graduated, fiancee has one more year - Marry now?]
Replies: 33
Views: 1164

Re: Medical Residency Retirement - Why don't we get a match?

No match here as a resident here in california UCs My veterinary residency was at the UCs. The funny thing was we could not be called "residents" because that brought all sorts of legal, HR, and Medicare issues. So we were regular employees (called "clinical specialists", a hype...
by DVMResident
Mon Jun 02, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3434

Re: What jobs are easy to get and pay well? Unpleasant is f

Clinical trials. Some, like sleep studies, require over nights in hospital. They always have trouble filling those spots.

Might pay a couple hundred, provide some free meals, and you may learn something interesting.

Task Rabbit lets your find odd jobs.
by DVMResident
Sun Jun 01, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: [short term job that's] easy to get and pays well?
Replies: 44
Views: 4964

Re: Should I use an in-plan after-tax ROTH Conversion?

Excellent, thanks for the tip.

The plan will fill up the pre-tax space first and then spill over goes to after-tax.
by DVMResident
Sun Jun 01, 2014 3:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I use an in-plan after-tax ROTH Conversion?
Replies: 3
Views: 343

Should I use an in-plan after-tax ROTH Conversion?

Hello Forum, I'm maxing out tax advantaged accounts and still have $6500/year plus an annual bonus (ranges from $0-$10,000/year) to invest over and above the tax-advantaged limits (401(k) and 2 ROTH IRAs). My Fidelity 401(k) allows for spill over after-tax investments. I just learned that the plan a...
by DVMResident
Sun Jun 01, 2014 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I use an in-plan after-tax ROTH Conversion?
Replies: 3
Views: 343

Re: Would you work without pay?

Livesoft, we work in the same field. Most projects go nowhere. Additionally, there's a lot of peripheral issues like politics, grants if you're in academia, etc that take up a huge amount of time and effort. I also have a family. First, I would take care of my family and myself. In this case, I woul...
by DVMResident
Thu May 29, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4088
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