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Re: Ski questions from a Southerner

The best use of the poles is moving through the lift line.
by EmergDoc
Sat Dec 20, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 32
Views: 1963

Re: Ski questions from a Southerner

I can't take this any more with some of the advice in this thread. Skiing is not a cheap hobby. If you are not willing to shell out some bucks for this, then find something cheaper to do. I confess that for a single day, getting an entire family decked out for skiing seems rather expensive. That doe...
by EmergDoc
Sat Dec 20, 2014 2:01 am
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 32
Views: 1963

Re: Federal Taxes - Sticker Shock (And how to reduce)

$17K sounds great. Wish I could get my tax bill that low again. I paid more than that in payroll taxes and again in state taxes.

Your biggest tax break is usually retirement accounts.
by EmergDoc
Sat Dec 20, 2014 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3482

Re: White Coat Investor in Forbes

Either is fine with me. The goofy stethoscope one is probably better as it helps people see it's a site for docs, not canyoneers.
by EmergDoc
Thu Dec 18, 2014 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 35
Views: 5477

Re: Quick ?? RE 100k investment

I am selling my current home and I am set to receive a significant chunk of money. I am putting a plan in place to pay off my new home over the next 5-7 years. Rather than take the lump sum and immediately applying it to the new home principle balance, I was thinking of placing 100-125k in a CD (or...
by EmergDoc
Thu Dec 18, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick ?? RE 100k investment
Replies: 5
Views: 527

Re: White Coat Investor in Forbes

Shortly after joining the Bogleheads, Taylor suggested I use my real name, but I was hesitant to give up my anonymity like many of you are. Once I started my website, however, using your real name gives a heck of a lot more credibility, and also allows readers to get to know me a bit, which frankly...
by EmergDoc
Thu Dec 18, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 35
Views: 5477

Re: PSA: Distributions -- Why your fund dropped

If the market keeps having these big up days, perhaps people won't notice the dividend this year.
by EmergDoc
Thu Dec 18, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1282

Re: White Coat Investor in Forbes

Thank you everyone for the kind words. Shortly after joining the Bogleheads, Taylor suggested I use my real name, but I was hesitant to give up my anonymity like many of you are. Once I started my website, however, using your real name gives a heck of a lot more credibility, and also allows readers ...
by EmergDoc
Thu Dec 18, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 35
Views: 5477

Re: Vanguard's International Small Cap Fund -ETF vs Mutual F

Having owned both, I agree the ETF is cheaper to own, so all my new purchases are there and I'm gradually moving it from a Roth IRA (the fund) to a my 401(k) PCRA with Schwab (the ETF).
by EmergDoc
Thu Dec 18, 2014 2:15 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Small Cap Fund -ETF vs Mutual Fund
Replies: 17
Views: 1930

Online Vanguard Roth Conversion Snafu

So I was helping someone do a Roth conversion tonight on Vanguard.com, and they have these new squirrelly "Brokerage accounts" Vanguard has been rolling out. My Vanguard account doesn't have these. When I go to do a Roth conversion, I just exchange money from my traditional IRA into my Rot...
by EmergDoc
Mon Dec 15, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Online Vanguard Roth Conversion Snafu
Replies: 1
Views: 366

Re: Hawaii inter island flights and condos

A fairy would be a really fun way to go interisland. What do they charge?
by EmergDoc
Mon Dec 15, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii inter island flights and condos
Replies: 7
Views: 1121

Re: Dilbert: Everything you need to know

Is there a copyright issue to post the image like this? I was considering using it on my blog, but thought I probably ought to have permission to do so.

Great strip either way.
by EmergDoc
Mon Dec 15, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Dilbert: Everything you need to know
Replies: 20
Views: 2945

Re: Odds of portfolio survival = 90%; odds of my survival =

That's statistically true, however on the news this morning there was a clip of a guy 104 years old running a 100 meter dash in under 20 seconds. I'm pretty sure he knows the difference between cat food and Amaretti del Chiostro. Actually, the speed at which you can cross a room is an excellent pre...
by EmergDoc
Mon Dec 15, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9640

Re: 100% equities - my reasoning

You don't need to stop at 100%. You can open a margin account and use leverage. There is a difference. You can't have margin in a retirement account. Going from 100% to 110% also subjects you to margin calls. Going from 90% to 100% does not. There are other ways to invest on margin besides opening ...
by EmergDoc
Sun Dec 14, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5885

Re: 100% equities - my reasoning

Were you an investor in Fall 2008? How much did you lose? How did you react to that? Until you've proven (to yourself) your ability to stay the course, I suggest erring on the side of a more conservative asset allocation. It's far more important that you stay the course than what exact course you s...
by EmergDoc
Sun Dec 14, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5885

Re: 100% equities - my reasoning

Were you an investor in Fall 2008? How much did you lose? How did you react to that? Until you've proven (to yourself) your ability to stay the course, I suggest erring on the side of a more conservative asset allocation. It's far more important that you stay the course than what exact course you st...
by EmergDoc
Sun Dec 14, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5885

Re: physician retirement plan. should I consider this?

I have a 401(k)/PSP + DBP through my partnership. It's a big partnership, but my share of the annual fees are $200 a year for the 401(k)/PSP and ~ 0.3% AUM for the DBP (works out to be about $200 also for me.) Opening/closing fees were significantly more, especially for the DBP.
by EmergDoc
Sun Dec 14, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: physician retirement plan. should I consider this?
Replies: 16
Views: 2203

Re: My first non fee advisor meeting..confused

SEPs are inferior to Solo 401(k)s for most. Although simpler, you can't do a backdoor Roth and you can't contribute as much in the income range of the OP.
by EmergDoc
Sat Dec 13, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4617

Re: LendingClub Corporation Directed Share Program

From Forbes today: Is each dollar of LendingClub revenue really worth $43? If you annualize its $144 million in reported revenue, you get $192 million — and if you divide that by LendingClub’s $8.3 billion market capitalization you get 43. That's not a P/E of 43, that's a Price to Revenue of $43. Th...
by EmergDoc
Sat Dec 13, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: LendingClub Corporation Directed Share Program
Replies: 36
Views: 3397

Re: BOGLEHEAD CONTEST -- November 2014

6 more points down and I'm in like sin!
by EmergDoc
Sat Dec 13, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 14
Views: 2093

Re: My first non fee advisor meeting..confused

Hi All, Long time, first timer here. I just got home from my first-time meeting with a no-fee advisor. I'm 38 years old and have NO retirement savings at all. After looking at my income this year ($100K) and trending upward next year $150k+ (Self Employed) She mentioned that I should open a Fidelit...
by EmergDoc
Fri Dec 12, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4617

Re: physician retirement plan. should I consider this?

Not sure I understand exactly what the VIP is, is it a voluntary investment plan? A 401(k)/PSP is way better than a SIMPLE- larger contributions and the ability to do the backdoor Roth. $14K seems high. I bet I can find you someone that will do it cheaper if you're interested. Is this for you, your ...
by EmergDoc
Fri Dec 12, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: physician retirement plan. should I consider this?
Replies: 16
Views: 2203

Re: You folks think the big one is coming?

I'm still young enough that a temporary market crash is a good thing, especially with a lot of my contributions coming up early in the year. This bull market is certainly getting old compared to historical bulls.
by EmergDoc
Fri Dec 12, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5672

Re: TIPS Mutual Funds

10% of my portfolio, 40% of my fixed. Plan to stick with it for now.
by EmergDoc
Fri Dec 12, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2875

Re: Thrift Savings Plan vs Roth TSP

Go Roth 100%. 2nd Lts don't pay taxes. I mean, I know you do, but not really. Chances are very good you'll be in a higher bracket in retirement. Certainly it would be unlikely that you would be in a lower one, especially if you're starting to save as a 2nd Lt.
by EmergDoc
Fri Dec 12, 2014 3:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan vs Roth TSP
Replies: 11
Views: 1305

Re: Totally Stressed. Husband lost job.

Not sure what I'm asking for here - maybe some words of wisdom.. Congratulations! You've got a big emergency fund. Plus, you've got 3 jobs on the side. You've also got a mortgage almost paid off, good retirement savings and good college savings. Your financial preparation has paid off. Now you have...
by EmergDoc
Thu Dec 11, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6353

Re: Old Whole Life Policies - Cash In?

It could be 4% guaranteed. Have him post an inforce illustration and let's see. I assumed he knew how to do math, but you could be right that he just thinks he has a 4% guaranteed return going forward. It wouldn't surprise me if he actually did GOING FORWARD from here.
by EmergDoc
Thu Dec 11, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Whole Life Policies - Cash In?
Replies: 14
Views: 1100

Re: Physician doing consulting on side - individual 401k?

This is pretty straightforward compared to what many docs are doing. You get $17.5K in the 457. You get your first $17.5K made consulting in the individual 401(k) as an employee contribution. You then get just under 20% of everything else you make consulting into the individual 401(k) up to the $52K...
by EmergDoc
Thu Dec 11, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician doing consulting on side - individual 401k?
Replies: 28
Views: 2007

Re: LendingClub Corporation Directed Share Program

That opened higher than I expected. People were allocated more shares than I expected too. Congrats to all the big winners.
by EmergDoc
Thu Dec 11, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: LendingClub Corporation Directed Share Program
Replies: 36
Views: 3397

Re: LendingClub Corporation Directed Share Program

I was going to pick up a few shares, but it looks like I missed out. Too many other emails I guess. Gotta like that $15.00 a share huh? It was $10-12 last I looked. Should be a fun IPO to watch these next few weeks. I think offering shares to lenders like me was pretty savvy. According to this artic...
by EmergDoc
Thu Dec 11, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: LendingClub Corporation Directed Share Program
Replies: 36
Views: 3397

Re: lending club

Many people know I've messed around with P2P loans, mostly at Lending Club, for the last 3 years. I find them to be a unique asset class, like junk corporates, but junkier and without the correlation with the equity markets. There is definitely a role for active management and automation. My returns...
by EmergDoc
Tue Dec 09, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3945

Re: Old Whole Life Policies - Cash In?

After 30 years, it's often (usually) better to just keep them. 4% guaranteed isn't too bad these days.
by EmergDoc
Tue Dec 09, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Whole Life Policies - Cash In?
Replies: 14
Views: 1100

Re: I need to accumulate $30k over the next 2 years, how?

Bogleheads, in general, are fairly risk averse. Since the surgery is elective, worst case scenario if your investments don't turn out well, you can delay it. Since it is the most important thing to you, I suspect you would like to have it sooner if you could afford it. All the suggestions given will...
by EmergDoc
Tue Dec 09, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4031

Re: New Car: Pay cash or take loan at 1.49%

One of the fun things about being wealthy is you can afford to just pay cash for the car without having to worry about eking out every dime you can get by doing things like financing a car or applying to credit cards you don't need in order to get a few miles or cash back dollars. It's like having a...
by EmergDoc
Mon Dec 08, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Car: Pay cash or take loan at 1.49%
Replies: 23
Views: 2488

Re: Amazon.com price roller coster

So that's what a $76 puzzle looks like. 18,000 pieces? Is that supposed to be a multi-generational item? As in, it will take more than a generation to complete?
by EmergDoc
Mon Dec 08, 2014 3:05 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 31
Views: 4010

Re: Zion National Park

I don't see why you would need a guide. There are probably significant restrictions on guiding in the park. The best hike ever, I have done it twice is orderville canyon. Park at the visitor center, get a permit the day before, and hire a shuttle service (their cards are next to the permit desk) to...
by EmergDoc
Sun Dec 07, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Zion National Park
Replies: 16
Views: 1180

Re: Zion National Park

Planning a trip to Zion for April 2015. Any advice? Trying to be economical, but don't want to cut too many corners. This will be our "big trip" of the year. Tentative plan is to fly into Vegas (from Dallas) and rent a car. Looking into local outfitters ($$$) for guided backpacking (3-4 d...
by EmergDoc
Sun Dec 07, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Zion National Park
Replies: 16
Views: 1180

Re: Bogleheads.com and FPL Capital Management

We don't already own Bogleheads.com? I do know the FPL guys, and they are good guys (DFA/Vanguard portfolio management for a flat $1K a year). However, I don't think they thought this decision through very well. If administrators would like me to talk to them to assist in the transfer of the domain,...
by EmergDoc
Sun Dec 07, 2014 12:59 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2475

Re: 100% Equities: 1 or 2 funds?

How about DFA small value on 50% margin?
by EmergDoc
Fri Dec 05, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Equities: 1 or 2 funds?
Replies: 26
Views: 1861

Re: Why Vanguard Total Stock Market isn’t the best fund

I guess in Merriman's mind the best fund in "the fleet" is the Vanguard Small Cap Value Index Fund. Glad I own that one too.
by EmergDoc
Fri Dec 05, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18005

Re: Buying a house using Physician Loan

My thoughts on this controversial subject can be found here: http://whitecoatinvestor.com/personal-f ... gage-loan/

and in my book.
by EmergDoc
Thu Dec 04, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house using Physician Loan
Replies: 3
Views: 847

Re: Advice on old beater car. Best way to get rid?

The best way to get rid of an old beater, especially one you still have collision insurance on, is to wreck it. However, it's a bit tricky. First, you want it to be the other guy's fault. Second, you want to avoid getting anyone hurt. The good news is it's pretty easy to total out something like you...
by EmergDoc
Thu Dec 04, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2805

Re: 2014 Taxcaster - Finally!

That thing is useless. I can't put in my HSA, DBP, 401(k)s etc.
by EmergDoc
Thu Dec 04, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Taxcaster - Finally!
Replies: 16
Views: 2810

Re: "Small-Cap Performance Edge on the Wane"

You mean there are years when small value will underperform the market? Say it isn't so!

What is interesting this year is Large Growth is beating Large Value, but Small Value is beating Small Growth. But if you stayed in the US, anything beats being overseas right now!
by EmergDoc
Tue Dec 02, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7192

Re: Best market solution for a large car/SUV for roadtrips?

What does it cost to rent the SUV you'd want to use in your area? That's probably better if its just 3 times a year. The second best option would be selling one car and having one of your drive said SUV all the time. I think just buying a 3rd car to drive 3 or 4 times a year probably isn't a great i...
by EmergDoc
Tue Dec 02, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1488

Re: Ken Fisher - Why I hate annuities

I believe I have a very good understanding of how annuity products work. There are some very good products out there that can be a solid part of many people's retirement income planning. Great. Please just tell us what those "solid" products are that you understand so well. And please tel...
by EmergDoc
Tue Dec 02, 2014 3:15 am
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6159

Re: Request: Please share your best asking for a raise advic

Bargain from a position of strength- meaning another job offer.
by EmergDoc
Tue Dec 02, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Request: Please share your best asking for a raise advice.
Replies: 9
Views: 799

Re: Back Door Roths from Vanguard?

It would be interesting to know how many people are contributing to backdoor Roth IRAs vs how many SHOULD be. My guess is that while the percentage is low, the absolute #s in all cases are pretty low too. If Vanguard has 20,000 people contributing to backdoor Roths, then maybe there are 100,000 peo...
by EmergDoc
Mon Dec 01, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Back Door Roths from Vanguard?
Replies: 8
Views: 1303

Re: Why is Dave Ramsey wrong?

Jack FFR1846 wrote:
Will probably meet their eventual demise shoutly after shouting "watch this!"


Clearly not Bogleheads.


Hey!

First of all, the quote is, "Hold my beer and watch this!"

Second, how we choose to meet our demise has nothing to do with the way we invest! :)
by EmergDoc
Mon Dec 01, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9977

Back Door Roths from Vanguard?

I think we've finally won the battle to get the word out about The Backdoor Roth IRA. Even Vanguard has an article about it on their site. Maybe now their representatives will be more helpful walking people through it. Their article didn't mention anything about pro-rata issues or the step doctrine,...
by EmergDoc
Mon Dec 01, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Back Door Roths from Vanguard?
Replies: 8
Views: 1303
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