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Re: The missing value premium- a 10 year global lookback

The long side of the value premium appears to have gone MIA in the last 10 years. Has it finally been grazed away? US 10 year returns, growth of 10K Vanguard TSM...........22.1 k DFA large value.........21.6 k DFA small.................23.4 k DFA small value........21.6 k Int Developed 10 year retu...
by EmergDoc
Fri Jan 30, 2015 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: The missing value premium- a 10 year global lookback
Replies: 52
Views: 2336

Re: HELP! Mortgage company is denying my PMI termination req

Original appraised value was $160k in ~April of 2013, and the current BPO came in significantly higher than that. My LTV from the original appraised value has been paid down, and is now 79.8%. Here are Fannie Mae's rules (who backs my mortgage): https://www.fanniemae.com/content/guide/servicing/b/8...
by EmergDoc
Fri Jan 30, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3228

Re: 400ft Driveway - How do I plow the snow?

400 feet? I'd buy a truck with a plow and do it myself. Should be a 5 minute job, no? You only have to drive down and back 2 or 3 times. If it's really steep put some chains on the beater truck.
by EmergDoc
Fri Jan 30, 2015 5:07 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 66
Views: 4931

Re: 36 yo looking for early retirement

And real estate is fine; just carve out a portion of your portfolio and keep it reasonably rebalanced with the rest. It's pretty easy to do it these days through the numerous crowdfunding sites. I'm getting 4 or 5 investments a week by email. I can't invest in even 10% of the ones that I think look ...
by EmergDoc
Thu Jan 29, 2015 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 24
Views: 3575

Re: 36 yo looking for early retirement

Flashes1 wrote: Wifey was hammering me the day she got out of residency.


Uhhhh......did you really just post that on Bogleheads?
by EmergDoc
Thu Jan 29, 2015 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 24
Views: 3575

Re: 36 yo looking for early retirement

1. I have about $300,000 in cash that has been accumulated over the last 4 years outside of my retirement savings. I am at a loss of what to do with it. At such low interest rates on my debt I hate to pay that off right away. It would be paid off prior to retirement however. Should I: a. Look into ...
by EmergDoc
Thu Jan 29, 2015 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 24
Views: 3575

Re: Workplace net worth conversations you'd like to avoid?

I don't keep my mouth shut. But it is important to approach these things from the right angle. I'm the most junior partner in my group. I'm also wealthier than many/most of my partners already. Those of them who have read my book know that. Now we talk about financial issues and we're all better off...
by EmergDoc
Thu Jan 29, 2015 12:11 am
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 80
Views: 7324

Re: "7 Myths That Could Trip Up IRA Contributors"

This is the best article I've ever seen Christine write. I wish I had written it myself. Well done Christine. Looking at Taylor's excerpt, I thought for sure I would find fault with it somewhere when I went to the article, but I did not.
by EmergDoc
Mon Jan 26, 2015 10:46 am
 
Forum: Investing - Theory, News & General
Topic: "7 Myths That Could Trip Up IRA Contributors"
Replies: 2
Views: 714

Re: What experts say about $5,000 watches

Thank you for posting this, it was quite informative. So would Mr. Bogle buy the $500 Hamilton or the $5,000 Rolex? My guess is that he'd probably buy the $20 Timex and be perfectly happy, since it tells time and that's what a watch is for. Jack doesn't need to make a statement or try to impress an...
by EmergDoc
Mon Jan 26, 2015 12:21 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173649

Re: Time to stop driving for 85 yo MIL

Contact the DMV. They'll call her in for a test. She'll fail it. She'll lose her license. She may still drive. She may also hate the person who took her independence away from her for the rest of her life.
by EmergDoc
Sun Jan 25, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3688

Re: Foreclosed-Law Firm pursuing amount of second lo

Another option if you wait a few more years is that you might have the means to just pay the debt. Sounds like under VA law you're on the hook for it anyway. Seems silly to declare bankruptcy over $25K+ interest.
by EmergDoc
Sat Jan 24, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2320

Re: [Rear-ended, medical insurance claims and Medicare]

Auto insurance may be our best payer. We'll bill them first whenever possible. Certainly I'd rather have them pay the bill than Medicare! I don't see where Medicare comes in to this though. His auto insurance should pay and what they don't pay he's on the hook for. I guess if he's refusing then bett...
by EmergDoc
Thu Jan 22, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 483

Re: METLife Flexible Premium Multifunded Life Ins??

Hi Folks, This is my first post and am looking for some suggestions without a ton of technical jargon that I can't follow. I'll try to list as much info as possible. My wife and I are in early/mid 40's, with three kids(ages 7-12), full time jobs, house, etc. We are going to get term life, 15 years,...
by EmergDoc
Thu Jan 22, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: METLife Flexible Premium Multifunded Life Ins??
Replies: 4
Views: 337

Re: Diversity b/t t-IRA and roth-IRA

I use equities and fixed income in both tIRA and rIRA, but I weight them differently depending on what I think the market will do in the near future. If I think equities will do well, then I overweight them in Roth. If I think equities will do poorly, then I underweight them in Roth. In any case, I...
by EmergDoc
Thu Jan 22, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversity b/t t-IRA and roth-IRA
Replies: 8
Views: 544

Re: Reporter doing story on pitfalls of doing one's own taxe

Hello Everyone: A known reporter for a national newspaper would like to hear from people willing to be quoted about the pitfalls involved in preparing one’s own tax return. Are some issues so complex that it’s worth it to pay a preparer, even for dedicated Bogleheads? Has anyone ever had a messy pr...
by EmergDoc
Thu Jan 22, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4691

Re: Risk Efficiency of Thrift Savings Plan Portfolio

What's the point of 2% in the I fund? Either make a meaningful allocation to it or drop it completely.
by EmergDoc
Thu Jan 22, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Efficiency of Thrift Savings Plan Portfolio
Replies: 14
Views: 1133

Re: I'm thinking about making very large 529 contributions A

I've got faith in another branch that this isn't an issue.
by EmergDoc
Wed Jan 21, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5294

Re: What price are you planning to pay for your next car?

What price do you expect to pay for your next car and do you think that price is reasonable? I have a Sequoia with 150K miles on it. I expect to get another 50-100K out of it and will probably buy a brand new one when it dies. Kelley blue book says $56K optioned the way I want it. I could live with...
by EmergDoc
Wed Jan 21, 2015 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 6985

Re: urgent: how to identify top surgeons for a procedure

At any rate, there is no database. But you're talking about a CABG for crying out loud. This is bread and butter CT surgery not an exotic procedure. Actually, you couldn't be more wrong. Not all surgical sub specialties collect or publish such data, but cardiac surgery does: http://www.sts.org/qual...
by EmergDoc
Wed Jan 21, 2015 12:28 am
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3994

Re: $7 gas - what would you do?

Another good reminder of just how difficult it is to predict the future. One nice thing about $7 gas is that there would be a lot less traffic on my way to work. Of course, there might not be very many customers once I got there, and after a while, I might not have the money to buy the $7 gas either.
by EmergDoc
Tue Jan 20, 2015 11:39 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18704

Re: How long did it take your net worth to go from $1.5M to

Not sure, but at the current rate of increase, 3-4 years.
by EmergDoc
Tue Jan 20, 2015 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take your net worth to go from $1.5M to $3M?
Replies: 22
Views: 4565

Re: Let's Celebrate! Which funds are you buying in 2015?

This is an exciting time to invest and calls for a celebration! As you rebalance in 2015 (maybe you already have or are about to), which funds are you buying on the cheap? Of course we cannot know the direction these funds will move in 2015 but its always better to pay a Lower price than a higher. ...
by EmergDoc
Mon Jan 19, 2015 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3600

Re: Bored when market is closed

It wouldn't change my investing strategy at all if the markets were only open one day a month.
by EmergDoc
Mon Jan 19, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2097

Re: The "Less Than" a Million $ Club

I think you are better than most Americans at your age. Amen! You're way ahead of average. While I don't plan to retire on less than $1 Million (and think I probably need $3 Million) I've learned enough to know that there will always be people who make more than I do and have more than I do. I can ...
by EmergDoc
Mon Jan 19, 2015 5:54 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 10811

Re: urgent: how to identify top surgeons for a procedure

In before the lock! Or maybe it's more of a consumer issue than a medical issue, dunno. Certainly walking the line. At any rate, there is no database. But you're talking about a CABG for crying out loud. This is bread and butter CT surgery not an exotic procedure. And stents? Bread and butter interv...
by EmergDoc
Mon Jan 19, 2015 5:51 pm
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3994

Re: The DOW: An Index I Love to Hate

I have the same pet peeve against the Dow and Nasdaq. Even dumber is to give the daily change without anything more meaningful (monthly, quarterly, annual, amount since last bear market etc.) It just falls into the category of news that doesn't matter. It would be much better to hear: US stock marke...
by EmergDoc
Mon Jan 19, 2015 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1943

Re: Best Investment Strategy - Saving for a House post milit

Use the Roth anyway. You can pull out all the contributions plus $10K of earnings to use to pay for a house. Seems silly to save in a taxable account and leave a Roth unfunded. I also think 100% US equities is probably a mistake, but obviously it has been the right move the last few years. I'd diver...
by EmergDoc
Sun Jan 18, 2015 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Investment Strategy - Saving for a House post military
Replies: 14
Views: 1065

Re: Should I stop paying into my IUL policy?

A year ago I purchased multiple life insurance from a broker. I have a health condition that doesn't have any known cure. I'm not going to die tomorrow or even a month or year from now, but it can make life interesting for my family if I had to be hospitalize. ANyways, the broker managed to get me ...
by EmergDoc
Sun Jan 18, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stop paying into my IUL policy?
Replies: 7
Views: 606

Re: "Wining and dining" in medical community

I don't dare go to a drug dinner anymore. Who wants their name online as being on a drug company payroll? I'd rather buy my own dinner.
by EmergDoc
Sun Jan 18, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3517

Re: "Wining and dining" in medical community

Hilarious that this perception would be out there. While many might want to wine and dine docs, I don't see docs doing it very often at all. Most of the docs in my group drive a non-luxury SUV, a Prius, or a Leaf. Not exactly big spenders. Sure, we can afford to travel, eat out, and buy some luxurie...
by EmergDoc
Sun Jan 18, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3517

Re: Survey - Men Who Exercise At a Gym

Can we repeat this thread for hockey gear? That's possibly the worst "gym" smell I've ever experienced. Yet it always seemed to be bad luck to wash it during the season....
by EmergDoc
Sat Jan 17, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2632

Re: Debate: Roth 401k vs Trad 401k

2) There are 30 years worth of variables involved in trying to maximize the post-tax value of my retirement savings. 3) I'm not comfortable with projecting 30 years worth of variables. That's exactly the issue. It's complicated and its garbage in, garbage out. The only general rule of thumb I've ev...
by EmergDoc
Fri Jan 16, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1791

Re: Not grasping the backdoor roth-please help

Your brokerage doesn't know what they're talking about or you're not asking the question right. This post may help:

http://whitecoatinvestor.com/backdoor-r ... -tutorial/
by EmergDoc
Fri Jan 16, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not grasping the backdoor roth-please help
Replies: 11
Views: 1421

Re: Why invest in International funds? It's a mystery

In a recent article seen on USA Today the following is stated: But do international funds help your portfolio? In terms of return, it's hard to argue that they have, at least within most investors' experience. The past 25 years, large-cap U.S. funds have gained an average 691%, vs. 338% for interna...
by EmergDoc
Fri Jan 16, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10528

Re: Finally joined the two comma club

Congratulations! Be sure to spend some of it to celebrate.
by EmergDoc
Thu Jan 15, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6183

Re: Best 15 year (or similar) no cost mortgages

I currently have a 3.5% fixed mortgage with about 21 years left on it. I'm looking to pay it off quickly, possibly within 5 years. What banks are currently offering great rates (with no closing costs) that would make it worthwhile for me to refinance? If it is truly no cost, than any bank offering ...
by EmergDoc
Thu Jan 15, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best 15 year (or similar) no cost mortgages
Replies: 17
Views: 1501

Re: Debate: Roth 401k vs Trad 401k

My thoughts on the subject:

http://whitecoatinvestor.com/should-you ... ributions/

In my opinion, you haven't provided nearly enough information to get correct advice on this complicated question. There are a lot more factors in play than it appears you are considering.
by EmergDoc
Thu Jan 15, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1791

Re: Amex Fidelity CC 2% Cash Back

Every time my Fidelity Amex hits $50 in rewards, it automatically gets sent to my "brokerage" account at Fidelity (which stays empty). Once that transfer occurs, I simply transfer that amount to my bank. Very easy. Are we talking about the same card? I don't think I have to wait for $50 t...
by EmergDoc
Wed Jan 14, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6282

Re: Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fideli...
by EmergDoc
Wed Jan 14, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6282

Re: Independent contractor and LLC

Unless you need "LLC" on your business card to impress the clients, or you think you might get sued, if you are just earning a bit on the side from some white-collar work I think it would be fine to be a sole proprietor. With any Schedule C income, you could then open a SEP-IRA and save a...
by EmergDoc
Wed Jan 14, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Independent contractor - LLC vs S corp vs other
Replies: 77
Views: 4218

Re: Independent contractor and LLC

I am considering some independent contract work outside of my current employment. Basically, this type of work will consist of chart reviews, utilization reviews and similar stuff. I currently get payed as an employee. For my new work, I will be an independent contractor and get paid via W9. Would ...
by EmergDoc
Wed Jan 14, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Independent contractor - LLC vs S corp vs other
Replies: 77
Views: 4218

Re: Been out of market for 5 years, when get back in?

100% CDs work -- I know plenty of new immigrants who went this way. Just need to spend less and save more to account for the lower returns. Ummmm.....no. Run the numbers; calculate the savings rate. It doesn't work. Let me demonstrate. Let's say somebody makes $100K a year and needs $80K year from ...
by EmergDoc
Wed Jan 14, 2015 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3063

Re: Free (or REALLY cheap) image hosting?

I'm not sure what these guys all charge, but you can have your own website for $50 a year. If you use a wordpress blog you can upload images willy nilly.
by EmergDoc
Wed Jan 14, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1454

Re: Milevsky's got me thinking immediate annuity????

My parents turn 70 this year and we just sat down and had a big discussion about whether to buy SPIAs with 1/10th to 1/4 of their portfolio. They decided against it for various reasons: 1) Their pension is larger than yours and actually covers all their current living expenses 2) They do have a desi...
by EmergDoc
Wed Jan 14, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Milevsky's got me thinking immediate annuity????
Replies: 28
Views: 2459

Re: Is a Sub-4% SWR a Boglehead Quirk?

I'm with the OP. People get insane about SWRs around here sometimes. Sometimes people forget it is a combination of the risk of running out of money and your risk of living a long time. If your risk of running out of money after 30 years is 10% and your risk of actually living 30 years is 10%, then ...
by EmergDoc
Sun Jan 11, 2015 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10672

Re: Whole life insurance paid up as a child, should I still

There's a good chance you'll want to keep this (determine guaranteed and projected returns going forward by getting an inforce illustration) but if not, this post should help:

http://whitecoatinvestor.com/how-to-dum ... fe-policy/
by EmergDoc
Sat Jan 10, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance paid up as a child, should I still cash
Replies: 12
Views: 1153

Re: Physician owned building versus rent

I own our business building and haven't regretted it.

But every real estate deal is different and must be evaluated on its own merits. Certainly you can afford it.
by EmergDoc
Sat Jan 10, 2015 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician owned building versus rent
Replies: 16
Views: 1423

Re: I see rental properties as bonds. Am I completely off b

Rental properties aren't stocks, but they aren't bonds either.

They generally have relatively stable, high cash flow, however, and can be very useful in a portfolio. They also have aspects of a second job, which you either must do, or pay someone else to do.
by EmergDoc
Sat Jan 10, 2015 2:58 am
 
Forum: Investing - Theory, News & General
Topic: I see rental properties as bonds. Am I completely off base?
Replies: 28
Views: 2386

Re: Paying MD loans with HELOC

Financially, it makes sense. Personal finance, however, is both personal, and finance. Also, keep in mind your student loans are forgiven if you die. So it would be appropriate to buy extra life insurance to pay off the HELOC if you die. Also, HELOCs aren't eligible for lower PAYE/IBR payments or fo...
by EmergDoc
Sat Jan 10, 2015 2:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying MD loans with HELOC
Replies: 5
Views: 859
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