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Re: Tough college choice

Which place has the best chance for an ideal son-in-law? (1) A test to see if this is a sexist question: Did you ask the same question for your sons? (which college is more likely to get you a ideal daughter-in-law?) (2) Getting married young (right out of college) is more likely to end in divorce....
by EmergDoc
Thu Apr 24, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 65
Views: 4910

Re: Solo (401)K for sole proprietor Vs. LLC

Dear Bogleheads, It is time for me again to seek your advice in addition to the information I have obtained so far. Here is the situation: I have Solo 401(k) with Vanguard and am currently a sole proprietor. I am in the process of forming an LLC in the state of NJ which will be taxed in the future ...
by EmergDoc
Thu Apr 24, 2014 4:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo (401)K for sole proprietor Vs. LLC
Replies: 2
Views: 239

Re: The Power of Zero (0% tax bracket in retirement) book

The author seems heavily involved in insurance as an investment. I agree the goal isn't to pay zero in tax. It's all about the after-tax return.
by EmergDoc
Thu Apr 24, 2014 4:33 am
 
Forum: Personal Finance (Not Investing)
Topic: The Power of Zero (0% tax bracket in retirement) book
Replies: 22
Views: 3115

Re: Why Utah 529 instead of Vanguard 529?

I use the Vanguard (Nevada) plan. As someone else mentioned, 529s are constantly changing, mostly in positive ways. Utah used to have the lowest expense ratios by far while Nevada had somewhat higher ratios, particularly in the age-based options. That was not Vanguard's fault. The way these plans w...
by EmergDoc
Wed Apr 23, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 32
Views: 2431

Re: Why Utah 529 instead of Vanguard 529?

I agree. Get your deduction.
by EmergDoc
Wed Apr 23, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 32
Views: 2431

Re: Why Utah 529 instead of Vanguard 529?

If you're in a state without income tax, your first $2K probably ought to go into an ESA. Then, if you move to a state with an income tax and a 529 deduction, you can move the ESA money to the 529 and get a windfall deduction. A while back it was looking like ESA contribution limits were going to fa...
by EmergDoc
Wed Apr 23, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 32
Views: 2431

Re: Elfcu HSA $24 Wire Transfer Fee

Kind of feeling good about staying at HSA Bank right now.
by EmergDoc
Wed Apr 23, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Elfcu HSA $24 Wire Transfer Fee
Replies: 11
Views: 541

Re: Mr. Money Mustache: Hero or Foolish?

does he ever state how much he makes form the blog? I don't live like he does, but i admire his ability to help low-middle income people save more and spend less. we need more of that I don't know how much he makes, and I know he has a ton of traffic, but the site seems DRAMATICALLY undermonetized ...
by EmergDoc
Wed Apr 23, 2014 1:11 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 253
Views: 28249

Re: FORUM REACHES 2,000,000 POSTS TODAY

And to think that I'm responsible for something like 0.5% of them. That can't be good.
by EmergDoc
Tue Apr 22, 2014 7:48 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 52
Views: 1644

Re: Northwestern Mutual Life - Whole Life Policy Review

Keep in mind Hunt's analysis assumes you would buy term insurance to replace the insurance provided by the WL you're basically using just as an investment. Sure, that insurance has some value, but given that you have no need for insurance, the value to you probably isn't what it actually costs. Can ...
by EmergDoc
Tue Apr 22, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Life - Whole Life Policy Review
Replies: 31
Views: 1828

Re: is whole life insurance a good investment?

Hi, Apologize in advance if this is not the right place for this. I spoke to a MetLife agent today regarding whole life insurance for my little ones (2 & 4), and was wondering if I should re-direct this money/premium for something else? example for my 4 yr old - MetLife Promise Whole Life Selec...
by EmergDoc
Tue Apr 22, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1483

Re: Last Minute Denali Trip - Where to find lodging?!

The Kahiltna Glacier is nice. So is The West Buttress. That's where I stayed. The views are spectacular and you are guaranteed to see "The Mountain." https://www.google.com/search?q=the+kahiltna+glacier&client=firefox-a&hs=gBq&rls=org.mozilla:en-US:official&channel=sb&t...
by EmergDoc
Tue Apr 22, 2014 2:05 am
 
Forum: Personal Consumer Issues
Topic: Last Minute Denali Trip - Where to find lodging?!
Replies: 13
Views: 969

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

extended market has walloped 500 Index by 2.5% a year over the last decade,remained slightly ahead of the small cap index and well ahead of the small cap value index. Agree, have most of my Roth in this excellent fund. Some previous posts have suggested that an S&P500 completion index, like VG ...
by EmergDoc
Tue Apr 22, 2014 1:57 am
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 44
Views: 3307

Re: Northwestern Mutual Life - Whole Life Policy Review

Hello Everyone, I guess it is my turn to have the Bogleheads give me a hand with a Northwestern Mutual Whole Life policy. The policy is owned by my wife who is an ER Doc that never heard of White Coat Investor. ;-) My wife and I married a bit later in life (me late 40s, her early 40s). Her main fin...
by EmergDoc
Tue Apr 22, 2014 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Life - Whole Life Policy Review
Replies: 31
Views: 1828

Re: Northwestern mutual

I didn't know people still try to push whole life policies. You have no idea. I have NML agents coming out of the woodwork calling me names on my website for posts like these: http://whitecoatinvestor.com/how-to-dump-your-whole-life-policy/ http://whitecoatinvestor.com/why-not-northwestern-mutual-p...
by EmergDoc
Mon Apr 21, 2014 2:49 am
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1375

Re: practicing medicine in Texas...

I think moving from California to Texas is an excellent FINANCIAL move. Personally, I wouldn't live or practice in either state. California is a toxic wasteland financially for docs. I was in Los Altos this week, and noted that a 1500 sq foot home on a small lot on the busiest street in town was on...
by EmergDoc
Mon Apr 21, 2014 2:41 am
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 38
Views: 2768

Re: practicing medicine in Texas...

I think moving from California to Texas is an excellent FINANCIAL move. Personally, I wouldn't live or practice in either state. California is a toxic wasteland financially for docs. I was in Los Altos this week, and noted that a 1500 sq foot home on a small lot on the busiest street in town was on...
by EmergDoc
Mon Apr 21, 2014 2:38 am
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 38
Views: 2768

Re: practicing medicine in Texas...

I think moving from California to Texas is an excellent FINANCIAL move. Personally, I wouldn't live or practice in either state. California is a toxic wasteland financially for docs. I was in Los Altos this week, and noted that a 1500 sq foot home on a small lot on the busiest street in town was on ...
by EmergDoc
Sun Apr 20, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 38
Views: 2768

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

I have no idea if it will persist, but I didn't know if it would persist in 2006 when I first added a "mid-cap slice" using the TSP S Fund. It has treated me well since then. Using Vanguard funds, extended market has walloped 500 Index by 2.5% a year over the last decade,remained slightly ...
by EmergDoc
Sun Apr 20, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 44
Views: 3307

Re: Boglehead used car problem. Run It or ditch it?

Sorry in advance for the length of the post, but what would you do? I bought a used 05 Honda accord in 08 with about 40k on it. I keep cars in meticulous shape and perform all recommended owners manual service as well as full synthetic oil changes every 4k, which is overkill. When I reached 90k I h...
by EmergDoc
Sat Apr 19, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2085

Re: Bernstein retirement plan

The problem with the theory is that 25X in safe assets PLUS a risky portfolio (presumably to pay for stuff 25+years out) means you need more to retire. Well, sure, if I have more to retire on, then I'm less likely to run out of money. Seems pretty straightforward. I bet you can do the same thing usi...
by EmergDoc
Sat Apr 19, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 38
Views: 5069

Re: 2014 BOGLEHEADS CONFERENCE SOLD OUT

The issue is this- it's not 2000, it's more like 200. Plus, those who have attended before get an early invite. So those who see the regular invitation are really competing for 50 or 100 spots, not 200. But still, you/I/we had 7 weeks. It's not like it is impossible to go if you want to.
by EmergDoc
Thu Apr 17, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 10
Views: 1162

Re: What is your net worth

LH wrote:I am not looking for a reply, just a poll response. Pick the number that you are under. If your net worth, assets-liabilities (include home equity and mortgage) is 300,000 you would choose the 500K option.


shoot, screwed it up. I picked the one I was closest to. Oh well.
by EmergDoc
Thu Apr 17, 2014 3:08 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5430

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Be sure to convert as much of your taxable and tax-deferred funds to Roth funds during medical school and residency. You are right that you are in a very unusual, but fortunate, position. Congratulations. 1. That's okay, lots of us are asset class junkies too. 2. 37%, that's it? Yes, move to Vanguar...
by EmergDoc
Thu Apr 17, 2014 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 801

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

OK! At this moment I have a tad over $160,000 in my checking account earning ZERO. And I am expecting at least another $100,000 to be sent me this month. I have been reading, watching videos, and the TV trying to learn about investing for at leas t 5 hours every day for the past week. I have been e...
by EmergDoc
Mon Apr 14, 2014 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2733

Re: 85 yr old dad making financial moves

It's funny that families can take so long to recognize dementia. I think part of it is that it comes on so gradually. But part of it is that they never ask the dumb little questions that make it obvious to doctors. You know, like "What year is it?" "What floor of the hospital are you ...
by EmergDoc
Sun Apr 13, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1633

Re: Proper Money management and itinerary for Europe trip

You could also take a train to Garmisch-Partenkirchen and get to the top of the Zugspitze as a day-trip. One of the highlights of my trip to Germany. Of course, I walked up.....and was surprised by 3 restaurants and at least 500 people on the summit of this mountain. It turns out there were 3 trams...
by EmergDoc
Sun Apr 13, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1879

Re: Young doctor, taking over my own investments...

Welcome to the forum. The good news is..... Hello. I would like to get some advice for taking over my investment portfolio. Previously managed by a financial adviser who has had me in loaded managed mutual funds with high expense ratios. I want to make this entire portfolio much, much simpler. The f...
by EmergDoc
Sun Apr 13, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2599

Re: Is "sheltering" my GF financially hurting our future?

Much ado about nothing. Credit scores are highly overrated, easy to manipulate (add her to your cards and she'll have amazing credit in a hurry), and generally straight forward (i.e. pay your bills and you'll have credit good enough to do anything you need a credit score for.) Now, whether you will ...
by EmergDoc
Sun Apr 13, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is "sheltering" my GF financially hurting our future?
Replies: 23
Views: 4050

Re: California Taxes - Am I Missing Something?

This one from another thread is great: We are moving to the bay area next year from Dallas. My uncle has small multifamily housing in Mountain View. He offers to rent it to us one of his units for $1200 a month not including gas and electricity. The unit is small less than 700 square feet 2 bedrooms...
by EmergDoc
Sat Apr 12, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: California Taxes - Am I Missing Something?

These posts about California always amaze me. California must be the most controversial state in the nation. It seems really simple. If two of your top three priorities are low taxes and owning the largest house possible, then the San Francisco Bay Area might not be the best region for you. I live ...
by EmergDoc
Sat Apr 12, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: California Taxes - Am I Missing Something?

Someone with that income would find it challenging to build wealth in the Bay Area, but there are plenty of areas beyond the Bay Area they can live, such as further inland toward the Central Valley. In Southern California, the same applies as someone moves into the Inland Empire. Either that, or th...
by EmergDoc
Sat Apr 12, 2014 4:22 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: Transitioning From Commissioned Adviser (& non-traded RE

The investments suck. I think you know that. But the main problem is the account balance is too small to provide much of a retirement (4% of $350K is $14K per year). What's the plan to deal with that issue? I'd say that's a much bigger problem than the adviser problem or the investment problem. Thos...
by EmergDoc
Fri Apr 11, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning From Commissioned Adviser (& non-traded REITs)
Replies: 10
Views: 513

Re: Some websites are.......

Hello: Some websites are forecasting a stock market correction.........should I be concern (Marketwatch).Many thanks for your replies,parigi. :? Yes. Is your investing plan to monitor a bunch of websites and sell your investments when a certain number of them say a stock market correction is coming...
by EmergDoc
Fri Apr 11, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 22
Views: 2471

Re: Thrift Savings Plan -- the G Fund

I have too much money in cash in my tax-exempt funds and, to meet the recommended asset allocation, need to move much of it into fixed income investments. This cash is currently sitting in two places: my IRA and my government TSP. At the last Bogleheads meeting I attended, the crowd was touting the...
by EmergDoc
Fri Apr 11, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 690

Re: negotiation for MD, contracts, RVUs etc

Here's a link to the above mentioned post:

http://whitecoatinvestor.com/physician- ... agnostics/

After interviewing Jon, I admit that I kind of wish I had used him for my contract (not that I've had any issue since everything worked out great.)
by EmergDoc
Fri Apr 11, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 820

Re: Seward AK to Denali, back to Anchorage

Having worked a summer as a tour guide on the train between Anchorage and Denali, all I can say is don't get your hopes up. There will be no grizzly bears next to the train, you probably won't see the mountain, and a good portion of the trip you'll see nothing but the trees next to the train. Bruce ...
by EmergDoc
Fri Apr 11, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Seward AK to Denali, back to Anchorage
Replies: 8
Views: 640

Re: Was Wondering Why Windsor/Wellesley/Wellington?

Hard to argue with a fund that survived the great depression and has a long, long track record of great returns and a low ER. I don't hold it, but it's tough to fault someone who does. Certainly it is one of many "good" investing strategies as outlined in my post here: http://whitecoatinve...
by EmergDoc
Thu Apr 10, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3450

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Once I grasped that Mr. MM could not really help me with the main thing I needed to solve, I released him so to speak as my "potential guru" and was free to visit his site occasionally to see what he was up to next and pick up great tips on which...
by EmergDoc
Tue Apr 08, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 253
Views: 28249

Re: I saw a "Boglehead" on my flight yesterday!

If I can't find one, I make one. I sat next to someone on my last flight reading The Intelligent Investor and studying for his CFA.
by EmergDoc
Tue Apr 08, 2014 7:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7672

Re: California Taxes - Am I Missing Something?

Gleevec wrote:
To each his own


Truly.

Gotta spend your money on what makes you happy. I'm just surprised what makes a lot of Californians happy I guess.

Didn't mean to start so much controversy, but looks like the opinions are evenly split on this one.
by EmergDoc
Tue Apr 08, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: Interest rates will rise, so flee REITS and Bonds?

I hope rates rise (as long as inflation doesn't go through the roof too). Sure, there may be a temporary hit in some or even all asset classes, but in the long run I'll be better off. Plus, I'm pretty much done borrowing for the rest of my life. I don't need low rates any more, I need high ones!
by EmergDoc
Tue Apr 08, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1283

Re: Want to trade car for Small SUV: Financially good, bad,

I use a simple algorithm for questions like these: Can you afford it? If yes, do you want it more than you want something else that costs the same? If the answer is yes, then buy it. It's a consumption decision, not an investment decision. You've got to spend your money on something and you can't ta...
by EmergDoc
Tue Apr 08, 2014 1:50 am
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: California Taxes - Am I Missing Something?

And yet we all manage without even being doctors. ;) Of the people I know in California, I see a lot of "managing" and a lot of "surviving" but not a lot of thriving, even with some rather impressive incomes. The only friend I've got there who I would say is thriving runs a priv...
by EmergDoc
Tue Apr 08, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: 15 year vs 30 year fixed

Hello, My wife and are 32 with two kids. Buying our first house. We are both physicians just out of training (200K of student loan debt and 50K in 401K). Mortgage balance will be 1.62x my base salary (with production bonuses, ratio may change to approximately 0.65 of gross income). We plan on stayi...
by EmergDoc
Mon Apr 07, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5807

Re: California Taxes - Am I Missing Something?

http://www.statemaster.com/graph/hea_tot_non_phy_percap-total-nonfederal-physicians-per-capita Exhibit B. Seriously though. Doctors live in Cities. That's all that graph shows. For example, Utah is near the bottom of the list, but I assure you there are PLENTY of docs in Salt Lake City. It's one of...
by EmergDoc
Mon Apr 07, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: California Taxes - Am I Missing Something?

Well, there are a lot of doctors here in California. I guess they enjoy the weather, things to do, the diversity, and have lots of business. Los Angeles county appears to have the highest doctor to patient ratio as medical insurance premiums are lower there than in other parts of the state (for the...
by EmergDoc
Mon Apr 07, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: New E-book for Millennials

Great work Bill. Love the format.
by EmergDoc
Mon Apr 07, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 7193

Re: California Taxes - Am I Missing Something?

It was my perception that California taxes were very high compared to the rest of the United States. However, given that they use marginalized tax rates for state income tax, the effective tax rate seems to be in line with other states. It is only when you're making well into the six digits does it...
by EmergDoc
Mon Apr 07, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8556

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

We did our 5 year anniversary trip in Sedona. Truly a special place. I'd spend more time there and less in Phoenix if I had my way. Remember when hiking at the Grand Canyon that you do the easy part (down) first, unlike most hikes. Don't wait until you're tired to turn around. Remember it's cold at ...
by EmergDoc
Mon Apr 07, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1083
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