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Re: Physician Long term Disability- Premium pre or post tax

BruDude wrote:You're much better off paying tax on the value of the premium and getting the benefits tax free.


Only if you actually collect the benefits. If you don't (which is far more likely) you're better off vice versa.

I think this "truism" hasn't really been looked at carefully.
by EmergDoc
Mon Sep 01, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 19
Views: 963

Re: Physician Long term Disability- Premium pre or post tax

If I was offered pre-tax premiums, I'd take them. There's a 6/7 chance you won't ever get benefits, but the pre-tax premiums are guaranteed. Plus, those benefits will be much less taxed than your current income, since it'll be a lot less income. A bit of arbitrage there really. This assumes you can ...
by EmergDoc
Mon Sep 01, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 19
Views: 963

Re: Suggestions for a Western States road trip?

You might consider a day hiking in the Wind River Range and Teton Range. Devil's Tower is cool, but unless you're planning to climb it, you won't spend much time there. It just doesn't take that long to walk around it and there is literally nothing else to do there. It's a surprisingly difficult cli...
by EmergDoc
Mon Sep 01, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 8
Views: 453

Re: table suggests total bond not best as diversifier

LT treasuries have had a heck of a year. My understanding was that historically you don't get paid enough for the additional volatility when you move from intermediate to long term. I can certainly imagine a scenario where LT treasuries and stocks tank at the same time (think rising interest rates) ...
by EmergDoc
Sun Aug 31, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: table suggests total bond not best as diversifier
Replies: 20
Views: 1818

Re: Why invest in bonds?

Uh oh, are these threads starting to show up again? I remember seeing a lot of these in 2007 and early 2008. Not so many in 2009.
by EmergDoc
Sun Aug 31, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 88
Views: 4463

Re: Ideas for thanking a doctor

1) Pay the bill
2) Say thank you
3) Send a thank you note to the doctor's boss if any (hospital CEO etc)
4) Leave something nice on the internet rating sites
by EmergDoc
Sun Aug 31, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 58
Views: 2668

Re: Sports Motivation Waning

I don't care if I win or lose, as long as its really close. That's not exactly true. I really care right up until the point where the game is over. Then I no longer care.
by EmergDoc
Fri Aug 29, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1612

Re: The Power of Zero: Controversial New Book About Taxes

Although I didn't mention the book or author by name (we're actually kind of related), I reviewed this concept recently on the blog:

http://whitecoatinvestor.com/is-a-zero- ... good-idea/
by EmergDoc
Fri Aug 29, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4567

Re: What are you up YTD?

7.2% on a 75/25 sliced and diced portfolio.
by EmergDoc
Fri Aug 29, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6289

Re: A case for micro-lending index fund

There still seems to be a role for active management in the P2PL space. I would pay something for an actively managed fund, perhaps 0.25-0.5% if it were available.
by EmergDoc
Fri Aug 29, 2014 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: A case for micro-lending index fund
Replies: 4
Views: 340

Re: A Low-Return Future? Are We Prepared?

I do think things are not going to be nearly as good as they were in the past. As a result, I save 40%-50% of my income for retirement. If returns are better than expected then I'll be happy, but I want to be prepared in case they are mediocre or terrible. Well you're right that should solve all yo...
by EmergDoc
Thu Aug 28, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 159
Views: 9023

Re: A Low-Return Future? Are We Prepared?

I blogged about this a year and a half ago. Then I enjoyed my 2013 returns of 19.7% and my YTD returns of 7.17%. Maybe those guys are right and just early. Maybe it's cool to be a pessimist. I don't know. But this much I do know, if I really thought I'd get 2% real out of my stocks, I'd sell them al...
by EmergDoc
Thu Aug 28, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 159
Views: 9023

Re: My husband's " WILL", $ left for me to live on....

Welcome to the forum. I think marital counseling is in order. This is utterly ridiculous that he is worth $7 Million and only plans to leave his spouse $300K, not to mention the fact that you've been married 11 years and only now have seen his will. Not to mention that someone so wealthy wouldn't in...
by EmergDoc
Thu Aug 28, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16884

Re: What 5 stocks can I own forever?

Buggy whip companies and Polaroid.
by EmergDoc
Mon Aug 25, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4433

Re: Spouse not ready to cut ties with financial advisers

You can probably negotiate a discount. No reason to fire them if you like the service they're giving you and you can get it for a reasonable price. $30K a year is too much to pay for investment management in my opinion when there are so many firms willing to do it for $1-5K a year. Edit: Oh wait. I ...
by EmergDoc
Sun Aug 17, 2014 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8731

Re: Help-Do I need a chip/pin card in europe?

Just got back. Used my PenFed card and a new USAA card, but sure had to sign a lot. Ran into a real issue once or twice at a toll booth where I couldn't get it to take any card I had. An attendant eventually came over and took cash. No big deal. Good luck finding a card that really works well. True ...
by EmergDoc
Sat Aug 16, 2014 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1178

Re: Motorcycle for short commute?

I'm in a financial stage where I could spare maybe an additional $50-100 a month towards additional transportation costs and I have about $3k on hand I could comfortably use for a down payment. These financials really wouldn't work for a car, unless it's a really old one and I don't want to take on...
by EmergDoc
Fri Aug 15, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3700

Re: How to value house with unwanted tennis court

It's worth what someone is willing to pay. Your issue will be you see it as a liability and the owner sees it as an asset. "All you have to do is resurface it and it's good as new" he's thinking while you're calling out contractors to get bids on removing it. It's worth whatever you two ag...
by EmergDoc
Fri Aug 15, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2122

Re: Renting forever: financial suicide?

My wife and I are DINK, early 30s, living in the SF Bay Area. In terms of saving, debt, retirement, etc, we feel like we are finally on a good path. However, the one missing component is the purchase of a home. We both make fairly modest salaries for this area, and simply cannot afford to buy unles...
by EmergDoc
Fri Aug 15, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10861

Re: Why would a passive investor use ETFs?

I can see its flexibility being useful to an active trader but for a long term, passive investor i'm not sure what the draw over index mutual funds is. It's harder to buy in off hours, you may or may not be able to buy partial shares, and there is room for some user error when making the transactio...
by EmergDoc
Fri Aug 15, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3720

Re: How to ensure military members don't get ripped off

While additional contributions are normally a good thing, I don't really think that's true in this case. I did the math and it would take decades for me to better off putting that tax exempt money into the TSP instead of a taxable account UNLESS you can eventually get it into a Roth.
by EmergDoc
Fri Aug 15, 2014 2:56 am
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4264

Re: How important is my insurance agent?

Weird. I've never had an agent. What does he do that can't be done by phone? Maybe I've been spoiled by USAA. If want to go into Canada and don't have a Canadian proof of insurance for your car your local agent can make one for you, and you swing by his office to pick it up on your way to the bridg...
by EmergDoc
Thu Aug 14, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2098

Re: How important is my insurance agent?

Weird. I've never had an agent. What does he do that can't be done by phone? Maybe I've been spoiled by USAA.
by EmergDoc
Thu Aug 14, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2098

Re: Weekend in Tucson - Kids' Birthday

Mt. Lemmon is nice this time of year, and much cooler than the desert museum, which is interest although anything but cool in August, but do yourself a favor and go first thing in the morning then spend the afternoon up Sabino Canyon or Mt. Lemmon or inside somewhere. Oh, I almost forgot. On your wa...
by EmergDoc
Thu Aug 14, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 876

Re: Looking for an Advisor

This page lists 5 advisors who work with F Squared Funds: https://www.virtus.com/ Good luck investing. I hope it works out well for you and that you're not an employee of F Squared or an advisor company who uses their funds. Nobody likes sock puppets. But I'll give you the benefit of the doubt. Have...
by EmergDoc
Thu Aug 14, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good Harbor and F-Squared
Replies: 16
Views: 754

Re: Roth questions from an MD

Hi everyone, I have been a member of this forum for approximately 4 years and have learned a lot. A nagging question I ask myself is whether a Roth 401K and/or backdoor Roth is/are appropriate for my situation. Here is my financial picture 41-year old salaried physician (Finished residency/fellowsh...
by EmergDoc
Thu Aug 14, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 31
Views: 2753

Re: MDs should I contest hospital privileges?

awval999 wrote:I don't understand. If it's their hospital and they don't want you there how are you going to contest that?


It's their hospital but not their medical staff. If you care, reapply or at least talk to the chief of the medical staff. If you don't, why go through the hassle?
by EmergDoc
Thu Aug 14, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1784

Re: How to ensure military members don't get ripped off

According to the article the expense ratio for the federal funds is .029%, while the vanguard S&P index investor share ratio is about .17%. So vanguard is eight times as expensive? Something seems not right here. My guess is that the federal charge is somehow being subsidized? Or maybe not. In ...
by EmergDoc
Thu Aug 14, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4264

Re: How to ensure military members don't get ripped off

Also remember that the TSP is the only place that you can make traditional contributions with tax-exempt combat pay over and above the annual limits and NEVER be taxed on those contributions. From what I have heard, it is a very difficult to deal with these tax-exempt balances outside the TSP and m...
by EmergDoc
Thu Aug 14, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4264

Re: How to ensure military members don't get ripped off

According to the article the expense ratio for the federal funds is .029%, while the vanguard S&P index investor share ratio is about .17%. So vanguard is eight times as expensive? Something seems not right here. My guess is that the federal charge is somehow being subsidized? Or maybe not. In ...
by EmergDoc
Thu Aug 14, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4264

Re: I don't have enough cash for index funds

Doesn't matter much. Concentrate on your savings rate.

You can leave it in cash, just keep it in your checking account, or pick a similar fund you might not like as much but with a lower minimum.
by EmergDoc
Thu Aug 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3764

Re: Too Good to be True? Universal Life

Are you allowed to "deposit" $100K into it without turning it into a MEC?
by EmergDoc
Tue Aug 12, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too Good to be True? Universal Life
Replies: 11
Views: 1087

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Estate taxes shouldn't be a big deal (unless they own another $4+ Million or you're in a state with a lower exemption amount), so the main goal I would think would be avoiding the capital gains taxes. The key to that ought to be getting the step-up in basis. Who owns the farm and is there some reaso...
by EmergDoc
Tue Aug 12, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1607

Re: Expected REIT (dividend) return

If you can get the answer to your question, then you'll know whether REITs will be better than "dividend paying stocks" for you (REITs are dividend paying stocks, you're aware of that right?)

Unfortunately, the answer to what will outperform in the future is unsurprisingly unknowable.
by EmergDoc
Fri Aug 08, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expected REIT (dividend) return
Replies: 9
Views: 704

Re: Medical Health screening

Don't lift weights or have another hard workout just before the test. I did that and had protein in my urine. Had to redo the UA another day. Might lower your blood sugar though...
by EmergDoc
Fri Aug 08, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Medical Health screening
Replies: 15
Views: 967

Re: Recommendation for a 2 man tent

Foot prints are great, but even better is a plastic sheet INSIDE the tent that can be pulled up a foot on each side of the tent. That'll keep you dry even if a stream is running under your tent.
by EmergDoc
Thu Aug 07, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1118

Re: VFSVX - No more purchase or redemption fees

Sweet! I've been waiting for them to go away so I can sell. I now hold the ETF in my 401(K) instead of the fund in my Roth but have been holding my original fund shares until the fee went away.
by EmergDoc
Wed Aug 06, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 841

Re: What to tell friends who think "it's all a scam"

I was out drinking with a few friends on the weekend, and the topic of investing came up. One of my friends doesn't invest because he thinks "it's all a scam". Those were his exact words. I tried to explain as best as I could about the Boglehead philosophy, but it didn't seem like it was ...
by EmergDoc
Wed Aug 06, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5694

Re: what gender are you?

Surprised there are 19 comments on this one. What's to discuss?
by EmergDoc
Wed Aug 06, 2014 3:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 4943

Re: Recommendation for a 2 man tent

The REI half dome is a tried and true classic. I've spent a few hours in a real mountain storm with it. Not my favorite experience, and we had to brace the poles in the wind, but we did stay dry and alive. Should be fine for standard backpacking, pretty light, and budget friendly. Not all that diffe...
by EmergDoc
Wed Aug 06, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1118

Re: Opinions appreciated on current physician disability pol

It seems to me that a lot of the time the Guardian benefits are really quite minimal compared to some of the other policies. For example, aside from the 2 year limitation on mental/nervous, how many clients have you ever had where one of the other 5 companies wouldn't pay and you thought Guardian w...
by EmergDoc
Wed Aug 06, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions appreciated on current physician disability policy
Replies: 23
Views: 1017

Re: Opinions appreciated on current physician disability pol

It seems to me that a lot of the time the Guardian benefits are really quite minimal compared to some of the other policies. For example, aside from the 2 year limitation on mental/nervous, how many clients have you ever had where one of the other 5 companies wouldn't pay and you thought Guardian wo...
by EmergDoc
Wed Aug 06, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinions appreciated on current physician disability policy
Replies: 23
Views: 1017

Re: Opinions appreciated on current physician disability pol

In general, a good DI policy will cost 2-5% of your annual income for a maxed out policy depending on your age, gender, and occupation. A surgeon will be closer to 3-4% of income due to the lower occupation class. DI isn't cheap and watching those checks go to the insurance company every month isn'...
by EmergDoc
Wed Aug 06, 2014 2:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinions appreciated on current physician disability policy
Replies: 23
Views: 1017

Re: Opinions appreciated on current physician disability pol

I see this question nearly every day on a forum, a blog comment, or in an email. Basically, you see the price of an indvidual disability policy and wonder "Am I paying too much?" In reality, I have no idea, but it bothers me that you do not. What that tells me is that you didn't follow th...
by EmergDoc
Wed Aug 06, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinions appreciated on current physician disability policy
Replies: 23
Views: 1017

Re: Opinions appreciated on current physician disability pol

I see this question nearly every day on a forum, a blog comment, or in an email. Basically, you see the price of an indvidual disability policy and wonder "Am I paying too much?" In reality, I have no idea, but it bothers me that you do not. What that tells me is that you didn't follow the...
by EmergDoc
Tue Aug 05, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions appreciated on current physician disability policy
Replies: 23
Views: 1017

Re: Rather be Home, Rather be at Work

It's funny. When I'm at work I'm thinking I'd rather be at home. Or I should say, After about 6 hours I'm thinking I'd rather be at home. I'm an engineer and I do project development stuff. It's enjoyable for about 5 hours a day. Today I'm at home because the kids had a summer camp activity we real...
by EmergDoc
Mon Aug 04, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3855

Re: how to visit the Pyrennes in a day?

I was just out in Carcassonne. Have you seen that? If not, it would be a great alternative. If you really want to go see the mountains, I'd get a car and drive. Yes, there will be steep switchbacks and drop-offs, just like in the Alps. But if you don't go up them, you won't really see the Pyrennes u...
by EmergDoc
Mon Aug 04, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: how to visit the Pyrennes in a day?
Replies: 2
Views: 329

Re: Boat loans

Don't get me wrong. Boating is fun, and I'm even thinking of dropping a wad of cash on a nicer one than the one I have. (You can't rent as nice a boat as the one I want, and owning the one I have is cheaper and far more available than any boat I could rent.) But I think a boat loan is even dumber th...
by EmergDoc
Sat Aug 02, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1588

Re: Boat loans

I highly recommend you do not buy a boat on credit. There will be plenty of ongoing expense without interest payments.
by EmergDoc
Sat Aug 02, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1588

Re: Dave Ramsey still defending 12% and still angry at "nerd

American Funds Washington Mutual A goes back to 7/31/1952, or 62 years. So that could be his "sixty-seventy years." And it has had a 12.01% proper "average" (CAGR) total return before expenses, 11.91% after sales charge. Dodge and Cox Stock Fund 11.39% for 49 years if I pressed ...
by EmergDoc
Sat Aug 02, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22532
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