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Re: How do I learn to like sushi?

Try this in order from most exotic to mundane: cooked rolls > veggie rolls > bento boxes (Japanese version of a combo meal with salad, rice, a meat or less exotic sushi, orange slice, +/- fired breaded veggies). Bento boxes are not as exotic as most sushi rolls, are present on pretty much every Japa...
by DVMResident
Sun Mar 01, 2015 4:25 am
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 61
Views: 2853

Re: How are REITs categorized in equity sector diversificati

Morningstar --> Portfolio tab --> Under Sector Weightings, Cyclical (Green section)

An example: Total Market is 4.1% RE
by DVMResident
Sat Feb 28, 2015 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: How are REITs categorized in equity sector diversification?
Replies: 7
Views: 435

Re: Vanguard Strikes Back With Lower Target-Date Fees

Ken Schwartz wrote:By the end of 2015, the funds will boost their international-stock stake to 40% of stocks from 30%"


VG must be listening to Rick :wink:

The TDs are moving closer to my AA. Maybe I should consider them...although no telling when they'll drift away again.
by DVMResident
Thu Feb 26, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 119
Views: 7776

Re: Help me decide which asset class to sell

leaning towards just selling $10,000 of munis and not paying any taxes on the sale Barring any tax loss harvest option, I like this option and then use your tax-advantaged accounts to re-balance into bonds to maintain your overall AA. you are overweighed in International Stocks verse US Stocks. A n...
by DVMResident
Wed Feb 25, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me decide which asset class to sell
Replies: 9
Views: 481

Re: How much did you have saved up for retirement at age 30?

the average person here is doing 10x better than the average person Ha! 10x is an understatement! If you're even asking the question while making <$40k/year, you're probably doing fine. Most people at this income level are banking solely on SS, which will replace the lion's share of their income (u...
by DVMResident
Tue Feb 24, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11110

Re: Suggest an infrared temperture gun

If you're interested in building inspections and identifying insulation issues, I highly suggest a tomography camera over a temperature gun that measures only 1 point. I also suggest renting one for a couple days as the cheapest low end FLIR i5 is $1500. There is also an infrared camera smart phone ...
by DVMResident
Mon Feb 23, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an infrared temperture gun
Replies: 14
Views: 931

Re: How much has Bogleheads contributed to your net worth?

I don't have number. Savings, LYBM, and looking for low expenses are innate for me. The most impactful learning from BH are in the areas: -Taxes, especially thinking in terms of brackets instead of effective rates. -Backdoor ROTHs. They were available, but not advertised, at both my previous and cur...
by DVMResident
Mon Feb 23, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4100

Re: What age do you guys plan to retire?

Projected FI at 30*expenses between age 45-50 if AA returns 3-5% real and I can manage continuous employment.

Retire? Not sure. I would like to train/teach and be part of my industry's global certification program part-time.
by DVMResident
Sun Feb 22, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8542

Re: What % of your gross income do you spend on mortgage/ren

Questions like this always make me laugh because Bogleheads make me look poor and like a spending fiend. Anyways... We have a house with a rental unit -- net costs of mortgage minus rental (taxes, insurance accounted for) was 18% of gross (residency days). The whole property has been converted to a ...
by DVMResident
Sat Feb 21, 2015 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8675

Re: In our situation, how much would you put in your 2014 Ro

Another vote on the ROTH. I'd would reconsider your house buying timeline. You and your wife are in school. You and/or the wife will likely change jobs after graduation and will likely have to move for the best opportunities. Buying a house will lock you in a geographical region and selling eats up ...
by DVMResident
Fri Feb 20, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1136

Re: help me buy a tablet

Budget? Need a stylus? Battery life? IMO, if you have a Galaxy s4 (already a huge phone) and laptop, you don't need another device. Having another device between the two is a bit of waste. Hard to imagine using 3 devices. But if you want one...Samsung Galaxy Note 10.1 (2014) is probably the highest ...
by DVMResident
Thu Feb 19, 2015 3:50 pm
 
Forum: Personal Consumer Issues
Topic: help me buy a tablet
Replies: 15
Views: 769

Re: What video games are you currently playing?

Civilization 5. Latest from a great classic turn based strategy game franchise. Very bogleheadish. Love Civ V. Endless Legend is another solid 4X game. Graphics are great (and can run on my HD 4400!) and there's an interesting commodity and minor faction system. I've always thought 4X games would a...
by DVMResident
Thu Feb 19, 2015 12:59 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 156
Views: 8395

Re: Anyone know a source showing avg. real wage in 70's vs t

flyingbison wrote:median wage would probably be a more useful number than the average wage


Both medians and averages are useful. If they're substantially different, comparing the difference will give you a hint of 'fat tails' and the direction of the tails (e.g. low or high income skewing).
by DVMResident
Wed Feb 18, 2015 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone know a source showing avg. real wage in 70's vs today
Replies: 19
Views: 1924

Re: What is the worst financial decision that you've made?

Not using a backdoor ROTH 401(a) in residency, which could have started in 2009. Instead, invested in taxable funds. In 2012, cashed out the taxable funds to buy a house with a rental, probably for $15~20k more than it was worth. I was competing with Blackrocks REIT buying up with all-cash offers on...
by DVMResident
Wed Feb 18, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14774

Re: 3-1/3% SWR = you can manage it by intuitive household bu

Only tiny little detail, you need to save 30x your planned expenses... :shock: Expenses minus fixed income. For many retirees, their expenses are much lower because the mortgage is paid off, the kids are adults, taxes are lower, they're no longer saving for retirement, and they move to a LOCA. Expe...
by DVMResident
Wed Feb 18, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3517

Re: How often and how much should I raise the rent?

I do not generally rise rent on tenants. If the tenants are good, I renew leases instead of going month-to-month. If they promise stability in terms of rental terms, I'll promise stability in terms of rental price. Bad tenants (only 1 so far), I gave 60-days notice and she went peacefully. I gave he...
by DVMResident
Tue Feb 17, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often and how much should I raise the rent?
Replies: 25
Views: 1620

Re: grad student - taxes on W-2

Is he at a UC? My pay alternated between a salary and a stipend (though the dollar amount was the same). Salary are reported on a W-2. Stipends are reported on a 1098-T as unearned income*. The UCs do not provide 1098-Ts. You can request a copy from here: https://www.1098t.com It possible to have 1 ...
by DVMResident
Mon Feb 16, 2015 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: grad student - taxes on W-2
Replies: 10
Views: 674

Re: why is "Standard error" a good measure of the accuracy o

SD and SE are measures of precision, not accuracy. They are measure how reproducible your testing method is, but tells you little about how close to the "truth" you are. http://withfriendship.com/images/c/11229/Accuracy-and-precision-picture.png If your test is accurate, but imprecise (bot...
by DVMResident
Mon Feb 16, 2015 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: why is "Standard error" a good measure of the accuracy of a
Replies: 4
Views: 542

Re: Vanguard Ultra-Short-Term Bond Fund now available

there is no FDIC protection. I don't understand the advantage of FDIC in this case: isn't FDIC insurance and Treasury bonds exposed to essentially the same default risk*? They're both backed the US government. It's hard imagining a scenario were FDIC defaulted but the Treasuries would not or vise v...
by DVMResident
Tue Feb 10, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 35
Views: 3921

Re: Rent or sell townhome

I and my spouse work and don't have want to have an additional stress on dealing with renters/maintenance ^ You answered your own question. There is a lot to learn and a lot of initial work plus by punctuated moments of dealing with tenants/repairs. If you don't want it, you will not spend hours re...
by DVMResident
Tue Feb 10, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent or sell townhome
Replies: 18
Views: 1120

Re: Unhappy With Job Raise

It is sad that companies don't want to spend money to keep good people but are willing to pony up that same money to hire someone new. So sometimes you are forced to change companies to crank up your pay. ^A sad truth. This has been my experience as well. There's a reason why employees are "jo...
by DVMResident
Fri Feb 06, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7603

Re: Paperless Office?

external hard drives. Not really into cloud storage Hard drives can and do fail. If online storage is not an option, I suggest a dual mirrored hard drive backup. You can buy external dual docking ports for $40~50. Rotate 3 dives: keep 2 in the dock for mirrored backup and periodically (once a year,...
by DVMResident
Fri Feb 06, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3145

Re: Student Loan Interest

We had a similar experience: they would delay the extra payments, applying them to the next month's interest despite repeated instructions not to. We experience lots of similar games (personal favorite: telling us we're "$0 delinquent" :confused in order to kick us off an 0.25% discount pr...
by DVMResident
Fri Feb 06, 2015 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Interest
Replies: 23
Views: 1951

Re: Mega Backdoor Roth vs Student loans

Are your loans really 5.01% or they a mix of lower- and higher-interest rates? It is unusual to have $88k of student loans at one interest rate. Most people end up with a rainbow of interest rates spread across government and private sources. If there is a range of interest rates, it may change the ...
by DVMResident
Wed Feb 04, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth vs Student loans
Replies: 15
Views: 1098

Re: Milestone >$100k in my retirement investment portfolio

We just hit ~$100k last year at about your age, too (grad school takes sooo long...).
It's a great feeling when the market swings are more than our daily salary. I think this is the point were the portfolio really starts doing some of the lifting.

Congrats!
by DVMResident
Wed Feb 04, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Milestone >$100k in my retirement investment portfolio
Replies: 30
Views: 3109

Re: How to advise 23 year old brother with $50k

Sounds like my brother, who is also 23 (maybe it's the age). Recently, he approached me: Him: "I have $X play money. I want to buy stocks. What do you suggest?" (not the first time he's asked me) Me: "Target date fund." Him: "We can make more in individual stocks. You and I ...
by DVMResident
Tue Feb 03, 2015 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to advise 23 year old brother with $50k
Replies: 13
Views: 1321

Re: Do retired Bogleheads have rising net assets?

Re: Do retired Bogleheads have rising net assets? by Sheepdog » Mon Feb 02, 2015 6:50 pm I have been retired since 1998 (16 years) so I have gone thru 2 major downturns. I have taken out an average of 4.56% a year. The total of my invested assets has risen 7% edit: Calculated the growth of total as...
by DVMResident
Mon Feb 02, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4442

Re: Microsoft Excel vs. Apple Numbers

I've used both. Numbers is easy and simple. If you're needs are simple, Numbers will be okay. It's functionally isn't much better than Google Docs spread sheets. Excel is a full-featured product. If you have any advanced features, like random number generation or statistical plugins, you want Excel....
by DVMResident
Sun Feb 01, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 20
Views: 1874

Re: POLL: Prepay car loan (1.75%)

My belief in the order of money allocation is: 1) high interest rate debt 7% and above Shouldn't this be relative to the prevailing interest rates? In the late 70s-mid-80's, I would load up on as much 7% debt as possible and use the debt to by T-notes/CDs. Easy, free money. In the 2010's, I'd avoid...
by DVMResident
Fri Jan 30, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1460

Re: POLL: Prepay car loan (1.75%)

I vote for invest. We really don't have a complete picture, but in almost all scenarios you'll make more investing. Heck, even the conservative vehicles like iBonds are paying 1.48% and EE held to maturity give 3.5% (granted, longer duration). If you have any unfilled tax advantage space left -- no ...
by DVMResident
Fri Jan 30, 2015 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1460

Re: Is it unusual to have NO index fund options in 403(b)?

Sorry. Do you have a 401(k)? If yes, you can hold bonds in your and the S&P500 in portion to the overall desired AA, which will leave your account with a disproportionately high bond position. Then rebalance your account. Sounds it's better to use IRA and potentially your 401(k) before your wife...
by DVMResident
Fri Jan 30, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 599

Re: What age did you move out?

26 -- counting undergrad and veterinary school, though technically was "out of the house" was not off the checkbook (mostly, I worked during the breaks and part-time, but earning $3-7k/year hardly put a dent in the cost)
by DVMResident
Thu Jan 29, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5098

Re: Save More or Travel More ?

so far on average hits about over 30% saving rate (of gross income) in 401k and gov't 457b Travel. Definitely travel. 30% is plenty. Anything more saving is a waste. Do you also get a pension? If yes, you're definitely over saving. My PhD adviser was similar: him and his wife saved 3 accounts for >...
by DVMResident
Thu Jan 29, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 1643

Re: What mutual fund companies do you use?

Funds outside of employer plan: VG. Low fees, great number of index options. Employer plans: all be Fido so far. Also great: low fees and solid indexes options (though VG's TD are unquestionably better than Fido's). I roll them over to VG after separation for consolidation, but would be equally happ...
by DVMResident
Wed Jan 28, 2015 12:43 am
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3154

Re: wife's purse

My wife has two Tumi purses: one large, one small.
She uses them daily and they seem to hold up well. The sippers are sturdy, material is thick/heavy duty, and there are lots of organizational features.
Looks fine...I think? :confused
by DVMResident
Mon Jan 26, 2015 12:31 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4002

Re: HSA... any receipt savers?

I take photos with my phone and text it to my records e-mail with catagory (e.g. Health, rental) for searching.
Easier than scanning and most smart phones have very good cameras these days.
by DVMResident
Sat Jan 24, 2015 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 9979

Re: UC Plan After-Tax Rollover to Roth IRA

Hi DVMResident, just to clarify, were you able to successfully do an in-plan conversion of the pre-tax forced safe-harbor contributions to a traditional IRA? If so, did you have to give the Fidelity rep any special instructions? Thanks. Both pre-tax and after-tax sources went into a new ROTH IRA. I...
by DVMResident
Sat Jan 24, 2015 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: UC Plan After-Tax Rollover to Roth IRA
Replies: 5
Views: 486

Re: How to climb up in a megacorp

Really good advice. I'll try to add something: The most important thing you can do to start is to go above and beyond within your position. You'll progress at the same speed as everyone else if you just show up and do your work. Take on projects outside of your role, constantly work to improve proce...
by DVMResident
Fri Jan 23, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5112

Re: Is it worth it to buy a condo vs a house.

Every time you buy and sell real estate, you lose money -- lots of money -- to various middle men: mortgage company, appraisals, title companies, real estate agents, etc. These huge transnational costs rarely make these "starter" home worth it. Here's a back of the envelope estimate: -$2k ...
by DVMResident
Fri Jan 23, 2015 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4964

Re: UC Plan After-Tax Rollover to Roth IRA

I could pay the early-distribution penalties and taxes to extract the money out of the pre-tax account to allow me to do an after-tax rollover. Is this the only option or am I reading the IRS rules incorrectly? You can do this. I did this with a mixed pre- (forced Safe Harbor contributions) and aft...
by DVMResident
Thu Jan 22, 2015 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: UC Plan After-Tax Rollover to Roth IRA
Replies: 5
Views: 486

Re: Silly to consider buying a home because of interest rate

I would not buy a house because the interest rates are low. The low interest rates are holding prices up (along with tight inventory) - as noted above, most buyers are "monthly payment" buyers. I care more about purchase price than interest rates: purchase price determines taxes and price ...
by DVMResident
Thu Jan 22, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Silly to consider buying a home because of interest rates?
Replies: 29
Views: 2825

Re: Retirement Plan: How am I doing?

now I'm wondering if my pension and retirement savings is really enough especially when I see others on this site with 3-5M in retirement accounts Don't compare yourself to Bogleheads. We're weird. Expenses relative to income plus portfolio is what is important. --90k Federal Govt pension w/COLA (P...
by DVMResident
Mon Jan 19, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: How am I doing?
Replies: 16
Views: 1945

Re: Lenovo Yoga (& sudden shut down?)

Also running 8.1 on a Yoga 2 Pro and no problems. Sounds like a lemon. I'd return it. If you can wait till end of Q1, check out the the following: -2015 ATIV Book 9 Ultrabook (there's a couple editions under the same branding) -Lenovo LaVie Z (there's 2 versions; the larger is one with the full 360 ...
by DVMResident
Sat Jan 17, 2015 3:08 am
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2232

Re: Increase Investing or Pay Down Mortgage?

I wouldn't pay anything extra on that mortgage unless you're maxing out your tax-advantaged retirement contributions each year. Save as much as you can for retirement. ^This. Also, your Ohio also has income tax. Your bracket is 25% (federal) + 3.76% (state). I would switch to a traditional 401(k) i...
by DVMResident
Fri Jan 16, 2015 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increase Investing or Pay Down Mortgage?
Replies: 16
Views: 2047

Re: When your spouse isn't quite as frugal as you

My spouse and I have a similarly opposed spending habits. She want to maintain her autonomy and I desperately want to avoid micro-managing. So we finally settled on this solution: -We pool the money -We subtract out common costs (health insurance, mortgage, utilities, retirement, ER funding, etc.) -...
by DVMResident
Wed Jan 14, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8778

Re: Good for property value ?

Depends on his/her personality, although a buyer of your home might not find out until it's too late. In a neighborhood where I used to live, we had a cop move in. He was a total jerk with a control-freak personality, he started frivolous boundary disputes with all 3 of his neighbors (including me)...
by DVMResident
Wed Jan 14, 2015 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 1992

Re: What is your opinion of this strategy?

Sounds like your wife is conservative, which is fine and good to recognize what she's comfortable with. Personally this allocation is too conservative for my tastes, especially at your age, but you're saving rate is so high (~1 year expense per year), even cash will get you to your goal. Congrats. D...
by DVMResident
Mon Jan 12, 2015 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your opinion of this strategy?
Replies: 28
Views: 1651

Re: Recommendations for Family Trip to San Diego

The zoo and park can take 1 day each. Coronado and La Jolla ("the cove") are great beaches for families. La Jolla village has more entertainment and shopping. The lighthouse at Point Loma/Cabrillo has breath taking views, especially if the weather is good (it generally is). The USS Midway ...
by DVMResident
Mon Jan 12, 2015 1:24 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Family Trip to San Diego
Replies: 16
Views: 1426

Re: SoCal City Recommendations Young Family

I feel for the husband having to drive up and down the 5 corridor between LA and San Diego so often. You might want to consider living near a train station so the husband can take the train. This is a great idea. Depending on the work, he might get the paperwork done on the train, resulting less ho...
by DVMResident
Thu Jan 08, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 2284
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