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Re: Public Speaking-help

Wow. This seems to be pretty common among Bogleheads (and perhaps the general population.)

One thing that helps me is to remember that I'm the one speaking because I'm the one who knows the most about the subject among the attendees. I also learn a lot from watching others, usually what not to do!
by EmergDoc
Tue Jul 29, 2014 6:25 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 61
Views: 2713

Re: Speaking in St. Louis on Thursday

Cool. I hiked about half the West Rim trail before dawn on Saturday morning before dropping into Heaps Canyon. Beautiful place, but wish the rain would start later in the day so I didn't have to get up so early. Slot canyons and rain don't mix well.
by EmergDoc
Mon Jul 28, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Speaking in St. Louis on Thursday
Replies: 4
Views: 757

Speaking in St. Louis on Thursday

Hey all-

I've got a speaking engagement in St. Louis on Thursday. I'd love to meet as many of you as possible. It's free but you do have to RSVP (not to me.) Details here:

http://whitecoatinvestor.com/wci-coming ... this-week/
by EmergDoc
Mon Jul 28, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Speaking in St. Louis on Thursday
Replies: 4
Views: 757

Re: america the beautiful national parks and lands pass

You'll all be pleased to know that every time I went past the gate at Zion this trip the booth was manned. Of course, two of the guys with me had the annual pass, so I still didn't have to pay. Nor did I have to pay on our trip down Kolob Creek, when we entered and left the park 8 times without ever...
by EmergDoc
Mon Jul 28, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Multiple Solo 401(k)s?

Only earned income can go into a 401(k), solo or otherwise. Rental income isn't earned income. Sorry. Good thinking though.
by EmergDoc
Tue Jul 22, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Solo 401(k)s?
Replies: 4
Views: 416

Re: My quarterly update on 2014's sure things

Good column Larry. I like this series each year, especially when the loop gets closed a few months or a year later.
by EmergDoc
Sun Jul 20, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: My quarterly update on 2014's sure things
Replies: 6
Views: 2035

Re: Faber: S&P 500 Active Fund in Drag

Wow! All that good stuff for just 5 basis points. Why do those other active managers cost so much?

Remember the CMH!
by EmergDoc
Sun Jul 20, 2014 12:16 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3513

Re: Roth IRA income limit question

Triple digit golfer wrote:Disclaimer: I'm a corporate accountant, not a tax accountant. I've taken one tax course in my life. :)


That's okay. Based on the number of accountants I've seen who don't know about the Backdoor Roth IRA, it isn't taught in most tax courses.
by EmergDoc
Sat Jul 19, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1064

Re: Buying First Home - Inspection Follow Up Advice

You're doing this all wrong. The inspection has nothing to do with deciding what to fix and who should pay for it. It has two purposes. #1 If the house is all screwed up you get to walk away without losing your earnest money. #2 It reopens negotiations. The sellers don't want to fix anything, and yo...
by EmergDoc
Sat Jul 19, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1844

Re: Purchasing Food at Work

You mean we're not supposed to just eat all the crap everyone brings in and leaves on the ED counters because they don't want it at home anymore? #1 Best solution - Go work for a hospital that feeds you. Granted, they're far more likely to feed the docs than the nurses, but it wouldn't surprise me t...
by EmergDoc
Sat Jul 19, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3967

Re: Japan's Lost Decades in One Chart

Clive wrote:Image


The Japan Trajectory looks a lot better to me than the Russian one.
by EmergDoc
Sat Jul 19, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Japan's Lost Decades in One Chart
Replies: 23
Views: 2862

Re: Hospital bill negotiation

A special thanks to those who provided helpful tips. One particular individual asked why I would try to negotiate. Simple, it is within my rights as a paying customer and consumer to ask these types of questions. If I believed the bills were realistic and fair for these routine procedures, then I w...
by EmergDoc
Fri Jul 18, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4208

Re: If interest rates would ever reach double digits again

The really crummy thing about being in a high interest rate/high inflation environment is that you pay taxes on the nominal gains. Better to make 6% with 3% inflation than 15% with 12% inflation. If your tax rate is 33%, you're making 1% real in a low interest rate environment but -2% real in a high...
by EmergDoc
Fri Jul 18, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3008

Re: TSP G as treasury holding

I use the G fund instead of TBM, a treasury fund, or a corporate bond fund. The rest of my fixed income is composed of TIPS and P2P loans. A little unconventional among Bogleheads, but it works for me. My G fund returns have been very disappointing over my investment career, but it's very low risk, ...
by EmergDoc
Fri Jul 18, 2014 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G as treasury holding
Replies: 10
Views: 765

Re: Dad had a whole life policy but it sounds like term life

You're right that whole life usually, but not always, has an increasing death benefit. Perhaps this was a different type of permanent insurance, such as guaranteed no lapse universal which tends to have a flat death benefit. His premiums for a term policy at 73 would probably be quite a bit higher u...
by EmergDoc
Fri Jul 18, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 25
Views: 1658

Re: Whole Life Conundrum

I know I responded to you on the blog, but you DID see this post, right?

http://whitecoatinvestor.com/how-to-dum ... fe-policy/
by EmergDoc
Thu Jul 17, 2014 4:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Conundrum
Replies: 22
Views: 1643

Re: Bet it ALL on Small Cap Value when you're young

For those that are believers in the small cap value premium over the long term, why not bet it all on VBR while you are young (18)? In an IRA with nearly 50 years for it to grow, turn on DRIP and let it go up and down as long as you stay the course and keep investing, you will reinvest at highs and...
by EmergDoc
Mon Jul 14, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6168

Re: america the beautiful national parks and lands pass

Good strategy. OP doesn't state his age, but if he's nearing 62, he'll be eligible for a $10 lifetime pass, so that may need to be considered as well. The senior pass is one of the best bargains that I've ever run across. Perhaps the best strategy is to go to tons of them as a kid (free until 15), ...
by EmergDoc
Mon Jul 14, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Newbie whole life insurance policy question

Whole life is rarely good. It doesn't seem to be right for you. This particular policy isn't working out well for you. In short, you need a new advisor. If it were my whole life policy, I would not make another payment and would take my $1K and consider the whole thing a fairly cheap financial lesso...
by EmergDoc
Mon Jul 14, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2332

Re: america the beautiful national parks and lands pass

Good strategy. OP doesn't state his age, but if he's nearing 62, he'll be eligible for a $10 lifetime pass, so that may need to be considered as well. The senior pass is one of the best bargains that I've ever run across. Perhaps the best strategy is to go to tons of them as a kid (free until 15), ...
by EmergDoc
Mon Jul 14, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: BRK: What am I missing?

If you're going to pick just one stock, I think BRK is a great choice.
by EmergDoc
Mon Jul 14, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: BRK: What am I missing?
Replies: 40
Views: 3543

Re: america the beautiful national parks and lands pass

All right, enough off-topic arguing. The OP wants to know what to use his pass for. I would say he should use it at the most expensive parks (rather than the "off-the beaten paths" since most of those are free or very cheap) now that he has apparently bought it. I think these are the most ...
by EmergDoc
Mon Jul 14, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Sell taxable account to pay down student loans?

Members We currently have ~$47K in student loans at 2.38% and are able to deduct interest, at this time, on our taxes.We pay $400/month towards the loans of which ~300.00 goes towards principle. We have approximately $31.4K in a brokerage account, split between two stocks, that would be taxed as lo...
by EmergDoc
Mon Jul 14, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell taxable account to pay down student loans?
Replies: 15
Views: 951

Re: america the beautiful national parks and lands pass

# 1- I DO NOT want "the trails" maintained. I personally think what is done in a lot of the national parks to be ridiculous. You can basically drive a golf cart 80% of the way up Angel's Landing. What's next, boat tours up the narrows? I'm perfectly fine with them taking the cables off the...
by EmergDoc
Mon Jul 14, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Verbal agreement for yard service gone bad: legal risk?

I think it's funny that the discussion is all about how he can keep from getting sued for not paying the bill instead of how he can get them to cut his lawn for the rest of the summer since he already paid for it.
by EmergDoc
Mon Jul 14, 2014 2:28 am
 
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 26
Views: 3109

Re: america the beautiful national parks and lands pass

Funny how much variability there is eh? Everything from required receipts to full on security photos to manned 8-5 to no pass required at all. I was also surprised to see all parks aren't $25. Some are only $5-10. I still think I'm far better off paying the fees on the rare occasion it isn't a free ...
by EmergDoc
Mon Jul 14, 2014 2:22 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

. However, my question is what you think I should do about my next two visits to a National Park. I think you should buy an America the Beautiful Pass. :sharebeer http://www.nps.gov/grte/planyourvisit/feesandreservations.htm Okay, fine. You install a booth at Kolob or talk someone into manning the ...
by EmergDoc
Mon Jul 14, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Recommend compression socks for flights - Sizing?

So does this one qualify as a consumer item or medical advice? :)
by EmergDoc
Mon Jul 14, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: Recommend compression socks for flights - Sizing?
Replies: 6
Views: 639

Re: Prosper.com....

I use them for a small portion of my portfolio.

http://whitecoatinvestor.com/still-earn ... r-lending/

But I apparently sneak into National Parks too, so don't take any advice from me. :)
by EmergDoc
Mon Jul 14, 2014 12:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Prosper.com....
Replies: 1
Views: 561

Re: america the beautiful national parks and lands pass

Procedures vary from park to park. Here's an example from Big Bend National Park about arriving after hours: http://www.nps.gov/bibe/planyourvisit/after_hours.htm Big Bend is very remote; it is not unusual for visitors to arrive after normal business hours. Park entrances are always open, but entra...
by EmergDoc
Mon Jul 14, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

Are you kidding me? You don't get any service or directions? Are you in grade school? Have you not enjoyed the outdoors or the price to maintain the area? A map? Maybe a free lunch? A free guided tour? None of them Have a box? Most are free during the daytime? Do you live in Russia? Please do not c...
by EmergDoc
Mon Jul 14, 2014 12:27 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

If you were "supposed" to buy a pass they'd ask for it on the way out. Or leave a box saying "leave your $25 here and leave the pass on your windshield." (lots of fee areas work this way.) Or a sign saying, "Nobody here right now, please pay on your way out." None of th...
by EmergDoc
Sun Jul 13, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: How much do you spend on your hobby annually?

I have too many hobbies and I spend far too much on them. Actually, for the happiness they bring, I don't spend enough on them.

I'll just keep driving my beater and blowing my wad on fun stuff.
by EmergDoc
Sun Jul 13, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6981

Re: america the beautiful national parks and lands pass

We had fun in Little Wild Horse Canyon, our first visit to a slot canyon. It is very close to Goblin Valley State Park about 2hrs west of Moab. http://www.climb-utah.com/SRS/lwh.htm I'm pretty sure you don't need a pass to go here. But if you want to see the Chamber of the Basilisk, you'll need to ...
by EmergDoc
Sat Jul 12, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

hi. I recently purchased a America the beautiful pass. I am looking for input from fellow bogle heads about unique off the beaten path discoveries that you have explored across the united states. thak you The secret to off the beaten path discoveries isn't going to the less visited parks. It's abou...
by EmergDoc
Sat Jul 12, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

The Wave Coyote Buttes. Permits required (reservations taken months in advance but may be able to get permit as walk-in at kanab ranger station) : http://www.utah.com/playgrounds/the_wave.htm . I thought he was asking for little known places. If I happened to draw out a pass to The Wave, I'd sell i...
by EmergDoc
Sat Jul 12, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: america the beautiful national parks and lands pass

I spend a lot of time in the National Parks. [OT comments removed by admin LadyGeek]
by EmergDoc
Sat Jul 12, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 3964

Re: Ditch car and commute to work in 250cc scooter in Raleig

No way is the safety trade off worth the savings. I mean, I kind of laugh at the folks on this forum that make sure their car is no older than 5 years with a bazillion airbags and anti lock brakes. But even an older car is at least a steal cage around you with a restraint system to keep you inside t...
by EmergDoc
Sat Jul 12, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 73
Views: 5308

Re: Vanguards Devil's Advocate

The two main "alternatives" I run into are primarily investing in real estate with the goal for the income from that to completely replace the income from your job and investing in cash value life insurance where the flavor of the year seems to be indexed universal life policies. Both have...
by EmergDoc
Sat Jul 12, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7233

Re: Life, Love, Happiness, and Bogleheads

There's a difference between being thrifty and cheap. If your mindset is causing you to miss out on life's joys (like marriage, children etc), then I think it's harmful and I certainly don't think you should blame it on an internet forum. :) You've got to ask yourself- what's the money for? It's fun...
by EmergDoc
Fri Jul 11, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life, Love, Happiness, and Bogleheads
Replies: 11
Views: 1199

Re: What after-tax income could you live on today?

What's extravagant? Like a $20K car or a $5K vacation? Am I allowed to refinance my home into a 30 year? My mortgage alone kicks me out of the first few categories.

I feel like such a spendthrift. Maybe I'll go console myself with a $5K watch.
by EmergDoc
Fri Jul 11, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4998

Re: What after-tax income could you live on today?

Only saw the poll, not the next post. Now my comment makes no sense. So I deleted it and left this to fill the space.
by EmergDoc
Fri Jul 11, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4998

Re: Convince me to visit Italy

Recently retired.. wife and I have criss-crossed the USA, visited England, Ireland. Somewhat curious about Italy, Tuscany, etc. But not really into cathedrals, museums.. more into beautiful countryside, great food. Would it be a waste to go to Italy without that interest in history, religion, art, ...
by EmergDoc
Fri Jul 11, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5359

Re: Family cabin planning

I agree this is a pretty rare opportunity. How much land do you have up there? Perhaps you could split it up and build your own cabin and then rent it out most of the time.
by EmergDoc
Fri Jul 11, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1971

Re: Family member as Financial Advisor

Oooh, this one is going to be awkward.
by EmergDoc
Fri Jul 11, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family member as Financial Advisor
Replies: 35
Views: 2987

Re: Finally an audience with my brother on Finances

I'm not sure you're quite qualified to be his advisor yet. You might start by suggesting that he can get very high quality asset management for far less than $25K a year. He could probably save an extra month's worth of contributions ($18K) each year and still get excellent advice and asset manageme...
by EmergDoc
Thu Jul 10, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally an audience with my brother on Finances
Replies: 33
Views: 4087

Re: How I look at $ in the real world vs my retirement accou

Better to learn how it feels to lose money when your portfolio is small. I'd only been investing a few years in 2008 but still lost nearly 6 figures. That's the price of being an equity investor.
by EmergDoc
Wed Jul 09, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5788

Re: Physician disability

I think you're nitpicking the Principal specialty issue a bit much. I can't remember the exact terminology, but I don't recall being worried about it at all.
by EmergDoc
Wed Jul 09, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician disability
Replies: 11
Views: 1690

Re: Physician disability

If you're buying a big fat expensive disability policy from one of the Big 6 companies, you're going to be fine. If you really want to delve into the details of a policy, and really compare them side by side, I suggest using an independent agent who can walk you through all the fine points. For inst...
by EmergDoc
Tue Jul 08, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician disability
Replies: 11
Views: 1690
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