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Re: iPad Air 2 - 16 or 64 Gig?

Another vote for 64.
At 16, it won't take very long before your premium tech is feeling annoyingly limited.
by DVMResident
Wed Oct 22, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 17
Views: 940

Re: Why include International Index in AA?

There's a couple of reasons: (1) The market-cap of the US and the rest of the world ("ex-US") is ~1:1. If you're going to tilt away from market-capitalization, you should have a good data set suggesting why you should and reasonable expectation that your rationale will continue to work. (2...
by DVMResident
Tue Oct 21, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 37
Views: 1990

Re: Is it ever to late to invest

I'm not familiar with the UK social nets. Are you eligible for the UK's National Insurance? How does the income NI provides compare to your cost of living (£850/mo)? was thinking of investing from jan 2015 £600 a month into vanguard 60/40% lifestyle isa(tax free) Sounds like a great idea, a reasonab...
by DVMResident
Thu Oct 16, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: At my age is it ever to late to invest?( UK)
Replies: 13
Views: 1245

Re: U.S. stocks in freefall

ofcmetz wrote:Headed for another big down day. Gains for the year just about wiped out for US large caps. Anybody hitting their rebalance bands?

Hang in there everyone.


Yup! Just got Q3 match in company stock. Sold all and rebalanced into AA.
Lucky timing. Feeling great. Good time to buy.
by DVMResident
Wed Oct 15, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156668

Re: How will we know if value-tilting has stopped working?

Market-price = fundamentals + speculation When speculation is negative (bearish), value investing believe the price is undervalued relative to the fundamentals (P/E, P/B, cash flow, etc) and purchases these shares. In other words, value investors are betting the speculators are wrong and overly bear...
by DVMResident
Tue Oct 14, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: How will we know if value-tilting has stopped working?
Replies: 44
Views: 3041

Re: What are you up YTD?

YTD -2.5%

40 US/40 Int / 20 bond
EM and SCV tilt
by DVMResident
Tue Oct 14, 2014 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11794

Re: advice on a surface pro 3

Also, the use as a tablet is less important ...I dont need 100% tablet use In this case, I would also consider the Thinkpad* Yoga with a Stylus. It leans much closer to traditional laptop with a secondary tablet function. *Thinkpad, not Ideapad. The branding is similar, but the Ideapad Yoga does no...
by DVMResident
Mon Oct 13, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2545

Re: Why choose a LifeStrategy Fund?

My IPS stays at a fixed AA (within bands) until I hit certain multiples of spending levels-then shifts into more conservative AAs. My AA is not directly linked with age, but rater level of life-style supported by portfolio balance. This idea is take from Bernstein's "if you've won the game, why...
by DVMResident
Sat Oct 11, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3455

Re: Things that you will not spend money on and most people

Financial advice! Thank you, Bogleheads!

Status symbols including, but not limited to, expensive cars, jewelry, fancy clothes, a big house, and big hats 8-) (we need a big hat emoticon)
Also, anything "organic"
by DVMResident
Wed Oct 08, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 3999

Re: 401k review - 39 female (Fidelity to Guardian)

Question: 1. Should I roll my Spartan funds into a Vanguard Target Retirement 2040 fund and call it a day? The VG Target Date products are great, simple, 1-stop-shop products. However, the names don't tell you what they contain. Let's look under the hood: The 2050 Target Date Fund holds 10% bonds. ...
by DVMResident
Tue Oct 07, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1015

Re: 529 or not

2) Are loans really that bad for kids? What's a reasonable amount of loan for a college graduate (assuming she chose an "employable" field of study)? The rule of thumb is the maximum student loans payments that are manageable are 10-15% of your gross. At 15%, that's roughly 1x total debt ...
by DVMResident
Mon Oct 06, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 or not
Replies: 34
Views: 3238

Re: confronting a coworker

Maybe a more formal schedule would eliminate "unfairness" of working holidays. In my clinical days, we had a pre-designated schedule days. The schedule was set years in advance. If someone left and a new person was hired, the new hire got the shift of the person they replaced. Shifts could...
by DVMResident
Fri Oct 03, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3588

Re: Windows 10 Preview Installed?

The preview is meant for testing and gaining early feedback. It is not intended as a functional OS. In the video, MS suggests this preview version be installed on a secondary PC.
by DVMResident
Fri Oct 03, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Windows 10 Preview Installed?
Replies: 20
Views: 1612

Re: Best place to park my emergency funds

We do this: -2 months "cushion" in our primary checking account -4 months in a muni-bond fund Simple. iBonds are a good choice, though you have $10k per SS number per year limit and the iBonds are not liquid for 12 months after purchase. You could ladder into the iBonds in 6 month interval...
by DVMResident
Thu Oct 02, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to park my emergency funds
Replies: 16
Views: 1882

Re: Is my husband a spendthrift? Or I a tightwad?

I'm in the same boat as you: I'm the cheap one and my wife likes to enjoy the fruits of her labors. We agree on saving goals. We hit the targets and then split the remainder (different accounts). I invest most of my half. I don't ask what she does with her half. Don't want money to be an issue and ...
by DVMResident
Wed Oct 01, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740

Re: Is my husband a spendthrift? Or I a tightwad?

Figure out how much is "enough" to save to reach your goals. You guys do agree on goals, right? Then spend the rest on whatever makes you happy. ^ This. If you're saving 20% for retirement, have a 6 month ER fund, and are meeting other savings goals, spend the rest. Saved money is just st...
by DVMResident
Tue Sep 30, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15740

Re: Too many houses?

Houses 1-3 are all in the same city. I'm not alarmed by the RE weighting; but the concentration is concerning. What is the economic driver in your city? Is heavily dependent on a single industry? Like a military base or manufacturing. Or is it a dynamic, robust, and diverse large city serving multi...
by DVMResident
Fri Sep 26, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3716

Re: POLL: Would you rather work half as long or half as ofte

Vote #2. I worked in science and the time would give me time to follow the journals, come up with novel and more impact experiments, running fewer but more impactful experiments, and actually write some articles that are on the back burner. I would actually prefer a reverse #1.... have money and fun...
by DVMResident
Thu Sep 25, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4126

Re: First Time Home Buyer dilemma in SoCal

I forgot to mention in my previous post: we purchased a house with a mother-in-law unit and rented it out. PIT minus rental income was $1465/mo (accounting for taxes on additional rental income), which was/is dramatically less than the cost of a 2-bedroom apartment (in 2012, 2 bedroom apartment was ...
by DVMResident
Tue Sep 23, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3414

Re: First Time Home Buyer dilemma in SoCal

Hi shukaistudio11, I was born and raised in the areas you're looking at. We purchased in Culver City in 2012. We could not afford our place today, just 2 years later. I'll echo what kenyan and JMacDonald said: -The recent appreciation is unsustainable. It's been nuts. This mini-boom is being driven ...
by DVMResident
Mon Sep 22, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3414

Re: Rental Property - Still a Good Investment?

+1 to what sdsailing said: don't keep a rental that is negative cash flow.
by DVMResident
Sun Sep 21, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3620

Re: Why is there no mutual fund that truly behaves like rent

There were some closed-end REITS in the Los Angeles doing this with single family homes with the exception they purchased with cash.
Never looked too much into the details.
by DVMResident
Sat Sep 20, 2014 12:16 am
 
Forum: Investing - Theory, News & General
Topic: Why is there no mutual fund that truly behaves like rental?
Replies: 36
Views: 2580

Re: Mega-ROTH or taxable account

My plan for this year is as follows: For 1st 6 months max out Roth IRA and 401K and leave enough in 401K remaining to receive the company match over the 2nd half of year For 2nd half - contribute max to 401K post tax. I will perform 2 in plan conversions as my plan allows 2 in service transfers per...
by DVMResident
Thu Sep 18, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mega-ROTH or taxable account
Replies: 8
Views: 1128

Re: Left tail portfolio - 70% bonds. Good idea?

This is a excerpt from one of nisiprius's posts that made an impression on me: In 1994 there was event which the financial press described as the "bond massacre of 1994" following a "bond bubble" in 1993. This chart plots the growth of an investment in VBMFX during those events, ...
by DVMResident
Wed Sep 17, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3223

Re: After Roth IRA : Next Step In Investing

Does your school grant grad students access to the 403(b)/457?

Mine did, but only in the summer when the grad students were switched from 'student' status to 'employee' status.
by DVMResident
Tue Sep 16, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 428

Re: Macbook Air; how much RAM?

8, definitely.
by DVMResident
Tue Sep 16, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3227

Re: Randomly-weighted stock portfolios beat the index

It is scary to me how dogmatic this forum is. All of the initial responses immediately shoot down this essay on the basis of arguments that are explicitly addressed and refuted within the essay. Does anyone here who has actually read the essay, have a rigorous rebuttal? Would love to hear grabiner'...
by DVMResident
Mon Sep 15, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Randomly-weighted stock portfolios beat the index
Replies: 28
Views: 2051

Re: Can You Build Your Retirement Portfolio Young, then Coas

We are front loading our saving/investments (saving mid-40%) and plan to ease up later. Not sure how it will work out, but you're not alone in this thought.
My wife will help break the habit: I'm a natural saver, while she is "live life to the fullest" type.
by DVMResident
Sun Sep 14, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7437

Re: Rental rate of return

This smart person posted a nice formula. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=143846&newpost=2139612#p2139507 Just assume for simplicity you are making a cash offer so ignore financing. I'll disagree with this part: cheap, tax-deductible leverage is a very attractive element ...
by DVMResident
Fri Sep 12, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1483

Re: Rental rate of return

This smart person posted a nice formula. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=143846&newpost=2139612#p2139507 Just assume for simplicity you are making a cash offer so ignore financing. I'll disagree with this part: cheap, tax-deductible leverage is a very attractive element ...
by DVMResident
Fri Sep 12, 2014 1:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1483

Re: Rental rate of return

Rental returns are complicated and there several ways to calculate them. To ensure all returns are captured, makes sure to include the following: -Cash flow (including vacancies) -Tax deductions * -Principle pay-down -Market appreciation (difficult to quantify as you don't know the true price until ...
by DVMResident
Thu Sep 11, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1483

Re: Total World is 50% Intl?!

Just thinking... if you live in the US, why not hedge your exposure to the country by over-weighting international? (Not that I do this - just wondering.) I hold 50 US/50 international on the equity side, above the recommended 20~30%, for this exact reason. I see no reason to overweight the US, esp...
by DVMResident
Tue Sep 09, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Total World is 50% Intl?!
Replies: 17
Views: 2234

Re: Does DFA emerging markets have any special sauce?

As a tilter, I've struggled with maintaining my desired AA, the realities of my 40X(X) options, and the keeping costs low. When comparing funds I use a method inspired by bertson in " Tilters: how much would you pay for a tilt? ": Here is how I think about things. My current target is to h...
by DVMResident
Sun Sep 07, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does DFA emerging markets have any special sauce?
Replies: 7
Views: 464

Re: Did you reveal to your kids...your savings and salary

At the age of 31, my dad decided to make me the executor of the estate in his will (my mother has little-no-interest in the area). He showed me all the assets and we talked about general income/projections of savings (his income can vary widely from one year to the next). I don't think he has talk t...
by DVMResident
Tue Sep 02, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7068

Re: Once your house appreciates +$250k, sell it?

In theory, yes.
In practice, too many logistical issues coupled with high transaction costs make it not worth it.

Step-up basis avoids the taxes and transaction costs. The logistical issue is a bummer, though.
by DVMResident
Tue Sep 02, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3819

Re: Does your employer still offer pensions to new hires?

Megacorp - nope, canceled as of 2007 Replaced with 401(k) match: 4.5% + additional 5% after 3 years + 1% for each additional 5 years beyond 3 (e.g 8, 13, 18, etc., cap at 14.5% total) Pensions still exist, but rare: "Some 30% of companies surveyed by professional services company Towers Watson ...
by DVMResident
Sun Aug 31, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3927

Re: What are you up YTD?

Stocks: 80% (50 US/50 Ex-US, slice SCV, ISC, EM, REIT)
Bonds: 20%

Up: 10.57% according to Marketwatch

Beating my benchmark, VG Growth Life Cycle fund, this year by ~3%. Trailed last year by ~2%. Meh'

Contributions from first real job with 3x resident salary far more important :sharebeer
by DVMResident
Sat Aug 30, 2014 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11794

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: 2530

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: 23
Views: 2268

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: 8
Views: 1128

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: 8
Views: 1128

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: 527

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: 5273

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: 1537

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: 1263

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: 558

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: 626

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: 1210

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: 1210
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