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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: 94
Views: 5871

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: 1113

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: 52
Views: 3062

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: 2104

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: 90
Views: 9438

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: 3656

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: 4155

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: 2088

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: 2088

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: 845

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: 738

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: 28
Views: 2141

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: 1768

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: 4155

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: 4155

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: 4155

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: 3579

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: 1070

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: 1587

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: 699

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: 960

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: 1105

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: 829

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: 5676

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: 24
Views: 4444

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: 1105

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: 988

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: 988

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: 988

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: 988

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: 988

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: 3846

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: 326

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: 1584

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: 1584

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: 22340

Re: Personal Defined Benefit Plan vs. Solo 401k

My general thought with a DBP is to add it on top of a solo 401K, not choose between them. If I had to choose between my 401k and DBP, I'd choose the 401k.
by EmergDoc
Sat Aug 02, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Defined Benefit Plan vs. Solo 401k
Replies: 35
Views: 7787

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

I heard the tail end of that on the radio the other night. Surprised since he seemed to be backing away from the 12% thing in recent months. I mostly like Dave and agree that overall he's doing lots of good. I wrote about my issues with his advice here: http://whitecoatinvestor.com/how-dave-ramsey-m...
by EmergDoc
Thu Jul 31, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22340

Re: Landlording for long-term wealth? Who's doing it?

I think it's great for someone like you. I often think about buying a second rental property. But I also own REITs and some syndicated/private/more passive real estate stuff. HOA sent us a letter this month telling us it wanted us to turn our fence around. That's the original fence from 1979. I gues...
by EmergDoc
Wed Jul 30, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7276

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: 79
Views: 4963

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: 1038

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: 1038

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: 4884

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: 427

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: 2059

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: 3598

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: 1085

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: 1871

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: 4054

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: 2913
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