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Re: ER/Urgent Care/AmWell online A Choice

If it's not emergent why not go see your primary doctor in clinic? He knows you best. If it is emergent, why spend $45 so the guy on the screen can tell you to go to the ED? I've seen these guys out recruiting doctors to do these consultations. I can assure you that many of these calls will end with...
by EmergDoc
Fri Apr 24, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 6
Views: 612

Re: Do you Bogleheads really follow the 3-4% SWR rule?

It's more of a guideline than a hard and fast rule. https://www.youtube.com/watch?v=6GMkuPiIZ2k I find the concept of an SWR far more useful in determining how much money you need to retire than in actually managing it in retirement. The idea that your expenses will go up every year of retirement w...
by EmergDoc
Thu Apr 23, 2015 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 45
Views: 2782

Re: Physicians: What's your vacation policy?

Self-employed. No paid vacation. 15 shifts a month. If I want a week off, I cram them into the rest of the month.
by EmergDoc
Wed Apr 22, 2015 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2715

Re: "4 Passive-Investing Pitfalls to Avoid"

"If you have a bond fund or if you want to hold a bond fund, you should either house it inside of an IRA or maybe if you want to put it in a taxable account, make sure you're looking at munis." This is the conventional wisdom, but I keep seeing people saying the opposite is true in today'...
by EmergDoc
Wed Apr 22, 2015 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: "4 Passive-Investing Pitfalls to Avoid"
Replies: 4
Views: 1378

Re: Marketplace Lending as an Asset Class

I have not invested. Seems like the time and effort for 5% of portfolio is not worth it for me. Maybe if it is like a hobby? Why not just use a high yield muni or junk bond fund? Returns are higher. Per the rule of 72, at 12% (my actual XIRRed P2P returns) my money doubles every 6 years. At 5% (Van...
by EmergDoc
Wed Apr 22, 2015 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Marketplace Lending as an Asset Class
Replies: 6
Views: 578

Re: Retirees: What is your SWR in retirement?

The ideal, of course, is not to want to spend more than 2%. But if I felt like I were holding back and only spending 2-3%, well, I think that's ridiculous. The likelihood of you running out of money AND running out of time with a 4-5% withdrawal rate is awfully low. Trees don't grow to the sky and m...
by EmergDoc
Tue Apr 21, 2015 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 3933

Re: TX, MT, CO, and NM Comparative Tax Burden

While fun to look at, I certainly wouldn't let $3K a year determine where I was going to live.
by EmergDoc
Tue Apr 21, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1837

Re: Another: retirement am I saving too much?

You're aware you can access retirement accounts prior to age 59 1/2 without penalty, right? Here's a post I wrote a long time ago about it:

http://whitecoatinvestor.com/how-to-get ... age-59-12/
by EmergDoc
Tue Apr 21, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Another: retirement am I saving too much?
Replies: 18
Views: 2712

Re: Dealing with tourists taking photos. Etiquette question

I purposely try to get in as many tourist pictures as possible. It helps if you slow down just for a second so they think you're stopping, then as they push the shutter, jump ahead quickly with your arms out and a big cheesy grin! Just kidding. The solution is to not go to touristy places on vacatio...
by EmergDoc
Tue Apr 21, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3684

Re: How do you quickly cool food?

dsivi wrote: I had very little time to eat today - about 15 minutes tops.


I think I'm doing this eating thing all wrong. 95% of my meals are under 15 minutes. 15 minutes at work is a major luxury. I actually can eat all the food in that time.
by EmergDoc
Tue Apr 21, 2015 1:01 am
 
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 2425

Re: “Entry level” luxury cars under 40k

I think the problem is that I don't like flashy cars and was happy with the Subaru. I also don't care about pep. But this will be my husband's car and he cares a lot about pep and doesn't like the stodgyness of a Suburu. He only drove it when the weather was bad. He was okay with driving the civic ...
by EmergDoc
Tue Apr 21, 2015 12:46 am
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 92
Views: 7605

Re: Marketplace Lending as an Asset Class

I just buy the notes directly. Very low correlation to my other assets. Very high returns. Some pretty unique risks, however, which cause me to limit it to 5% of my portfolio.
by EmergDoc
Mon Apr 20, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Marketplace Lending as an Asset Class
Replies: 6
Views: 578

Re: Trying to Help Parents - No EOI Life Insurance?

Hi Bogleheads, Here is my dilemma, well, the dilemma my parents are in: My mom is very ill, so ill that she is in hospice. My parents had all of their documentation scattered and so they thought they had a lot more in life insurance than they actually do. On my mom, who is 49 years of age, they tho...
by EmergDoc
Sun Apr 19, 2015 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1533

Re: Using Zillow/Zestimate to value a home?

My questions is around how one values a home? For example I am looking at a home on Zillow with an asking price of 270K. The zestimate is 227K, which is the property pricing estimate given by Zillow. I have no idea how the zestimate is calculated and if it has any merit. The tax history is as follo...
by EmergDoc
Sun Apr 19, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4640

Re: Help with taxable account needed in 8-12 months

. My first thought was to tap my taxable account but its allocation is too high risk to wait and the LTCG a bit high to sell right now. You know, you might get "lucky" and discover that your long term capital gains get lower! Wouldn't that be awesome! Oh wait, maybe you ought to just sell...
by EmergDoc
Sun Apr 19, 2015 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account needed in 8-12 months
Replies: 9
Views: 955

Re: Help with taxable account needed in 8-12 months

I have this issue every year- where do I put my state income taxes. I don't have to pay them until April and I need them between 4 and 16 months after earning the money. I use a high-yield, FDIC insured, online savings account.

1 year just isn't long enough to put the money into much else.
by EmergDoc
Sun Apr 19, 2015 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account needed in 8-12 months
Replies: 9
Views: 955

Re: Sad calculation (max IRA contributions)

If people would quit taking jobs without retirement plans, jobs without retirement plans would go away.
by EmergDoc
Sun Apr 19, 2015 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1146

Re: Personal investing advice

The max pre tax you can do is 18k and remaining from employee should be after tax. Is that how your husband is doing till the max 53K? Or does he have is own solo 401k plan and works for himself?/quote] Sorry for the confusion but this is between two retirement accounts, one kicks in after a certai...
by EmergDoc
Sun Apr 19, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal investing advice
Replies: 15
Views: 1648

Re: Single best piece of personal finance advice ever receiv

It is better to receive interest than to pay it.
by EmergDoc
Sun Apr 19, 2015 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6816

Re: Do index funds (and other mutual funds) have a dark side

Uhhh.... The dark side of mutual funds is that they're putting stockbrokers everywhere out of business. The dark side of index funds is that they're putting mutual fund salesmen everywhere out of business. The dark side of Bogleheads is it's putting financial advisors everywhere out of business. But...
by EmergDoc
Thu Apr 16, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Do index funds (and other mutual funds) have a dark side?
Replies: 14
Views: 2090

Re: Non-Deductible Traditional IRA advantageous than Taxable

A non-deductible IRA can make sense over a taxable account over a very long time period (like 40 years.) However, most people ought to be trying to figure out a way to convert that to a Roth, i.e. a backdoor Roth IRA. That's where the real advantage over a taxable account is. But even that isn't muc...
by EmergDoc
Thu Apr 16, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible Traditional IRA advantageous than Taxable Inv
Replies: 11
Views: 536

Re: "Don't Let Your Portfolio's Insurance Lapse"

Good reminder 7 years into a bull market.
by EmergDoc
Thu Apr 16, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: "Don't Let Your Portfolio's Insurance Lapse"
Replies: 2
Views: 818

Re: Do you wish you retired earlier?

Reminds me these quotes: Instead of wondering when your next vacation is, maybe you should set up a life you don't need to escape from. Seth Godin Retirement is worst case scenario insurance....It should be viewed as nothing more than a hedge against the absolute worst case scenario: in this case be...
by EmergDoc
Thu Apr 16, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3568

Re: Is it ok to NOT have significant taxable investments?

Say you have a high income, in a high tax bracket. You fully max out tax free/tax deferred each year to around 100k. You still have 200K+ leftover. You're saying it's not a good idea to throw all that in to taxable, because taxes will suck? Is that what you're saying EmergDoc? No, reread his post, ...
by EmergDoc
Thu Apr 16, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4661

Re: Personal investing advice

Okay, we're getting somewhere now. Don't worry, your effort at learning this stuff and getting it into this format will be rewarded. You've got $36K + 325K+ $52K + $37K = $450K. So your portfolio looks like this: Total $450K = 100% Taxable $36K = 8% 401(k) $325K = 72% 403(b) $52K = 12% 457(f) $37K =...
by EmergDoc
Thu Apr 16, 2015 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Personal investing advice
Replies: 15
Views: 1648

Re: How to Prepare for a Baby

Buy the things you'll need in bulk (diapers and wipes) so as to reduce the number of trips to the store in the early days and maximize the amount of time spent getting to know your baby. :happy People still go to the store for stuff like that? :wink: Just have Amazon deliver it to your door. What's...
by EmergDoc
Wed Apr 15, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3637

Re: 2015 net worth survey

In before the lock! We don't talk about net worth or income on this forum anymore. It's not actionable. This is for personal finance and investing topics only. :)

viewtopic.php?f=2&t=163384
by EmergDoc
Wed Apr 15, 2015 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2907

Re: Real Estate Crowdfunding

I used my ten foot pole to touch it. Hard to draw much of a conclusion though. I got a K-1. Nobody seems to have stolen my money yet. But it'll be years before I can tell you anything about performance. I can tell you this though, the hassle factor is extremely low, not much worse than my REIT index...
by EmergDoc
Wed Apr 15, 2015 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Crowdfunding
Replies: 16
Views: 1446

Re: Is it ok to NOT have significant taxable investments?

Most people on this board seem to have significant taxable investments in addition to their investments in tax advantaged accounts. Are there disadvantages to having almost all investments in IRAs, 403b, 401k, both deferred and Roth? These retirement vehicles would be preferable to having $ in taxa...
by EmergDoc
Wed Apr 15, 2015 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4661

Re: Personal investing advice

You're close to Laura's format but there is more info needed for people to help you (edit your original post rather than post another one.) Specifically, all the options available in your 401(k) and 457 by fund name, not ticker, with the expense ratio. Also, by percentage of your portfolio how much ...
by EmergDoc
Wed Apr 15, 2015 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal investing advice
Replies: 15
Views: 1648

Re: Can't Just Do Nothing

Get involved in something. Before long, you'll realize it's been months since you looked at your finances. Or help people here with theirs. That's far more interesting than looking at my own, again.

In short, get a life! :)
by EmergDoc
Wed Apr 15, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can't Just Do Nothing
Replies: 45
Views: 6106

Re: Noncash Tax Deduction Over $500

If you truly donated them, estimate. If you don't get audited (the likely outcome) you get the deduction you deserve. If you do get audited on that item, and don't have the documentation you need, you'll have to pay the tax due plus interest. But you won't be thrown in jail. Use it as a reminder to ...
by EmergDoc
Wed Apr 15, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Noncash Tax Deduction Over $500
Replies: 10
Views: 974

Re: Last-minute tax advice?

My business has been growing fast and this year I find myself with an unbelievable (to me) tax bill. My total income is ~$240K (line 22), I'm making ~$50K in SEP contributions, I already paid ~$30K in estimated payments, and now my (understandably very busy) tax guy says I owe ~$20K to the feds and...
by EmergDoc
Wed Apr 15, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last-minute tax advice?
Replies: 11
Views: 555

Re: Backdoor Roth IRA

Hi, My wife and I opened rIRA accounts with Vanguard in March 2015 ($11k each for 2014 and 2015). We re-characterized the accounts to tIRA yesterday when we found out our MAGI was too high to qualify for rIRA. The gains over the past month were minimal, around $200. Today, we converted from tIRA ba...
by EmergDoc
Wed Apr 15, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA
Replies: 6
Views: 684

Re: Dr. Ron Paul politician says terrible crash is coming

I also remember Glenn Beck saying back in 2008 that food prices were about to skyrocket and to stock up on canned goods because they were going to be like $5 a can for black eyed peas in a year or so. I feel bad for all the suckers that wasted their money stocking up on canned goods thinking they w...
by EmergDoc
Wed Apr 15, 2015 11:21 am
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8341

Re: Dr. Ron Paul politician says terrible crash is coming

Yes, it's definitely coming. In fact, I've already used my entire retirement fund to short the stock market. Well, except some, that I moved into gold, and some in cash buried in my backyard. And some canned goods. And more ammo. Seriously though, there is always a crash coming and you shouldn't tak...
by EmergDoc
Wed Apr 15, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8341

Re: Raising well-adjusted children when you're "rich"?

KlangFool wrote: For "rich" people, they do not socialize with normal people to begin with.


Why are "rich people" and "normal people" mutually exclusive and even if they were why do you assume they would not socialize together?
by EmergDoc
Wed Apr 15, 2015 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3451

Re: Dental School Loan Repayment Strategy Advice

Will you be getting forgiveness via PSLF? If not then your strategy is to pay them off while paying the least amount of interest possible. I doubt you'll make enough as a dental resident that SoFi/DRB etc will qualify you for refinancing, but you can check. But refinance them upon completion of trai...
by EmergDoc
Wed Apr 15, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Dental School Loan Repayment Strategy Advice
Replies: 9
Views: 1330

Re: Neighbor hired a surveyor. Should I be nervous?

The other day, I saw a surveyor working in my neighbor's yard before I left for work. When I got home, I saw that the surveyor had hammered in wooden stakes into what I had thought was my yard. The stakes have written "property line" on them. There is a wooden fence separating my neighbor...
by EmergDoc
Tue Apr 14, 2015 1:01 am
 
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 49
Views: 6199

Re: Portfolio with stock and real estate

Do you approve of my taxable stock portfolio (i.e. VTSAX, VTMSX, VTMGX and VEMAX)? The funds are fine. • What do you think about my desired asset allocation (20% Bond, 80% Stock)? A little aggressive for someone without much need to take risk. What did you do in the last bear market? If you didn't i...
by EmergDoc
Tue Apr 14, 2015 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio with stock and real estate
Replies: 3
Views: 391

Re: How to Prepare for a Baby

In my opinion, people spend way too much time preparing for something that occurs over a long period of time. You don't even need a car seat until 2 days after the kid is born. Don't need a crib for months. A cheap little pack n play is fine. Toys? Clothes? Shoes? A kid doesn't need shoes who won't ...
by EmergDoc
Tue Apr 14, 2015 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3637

Re: Take mortgage on primary residence to buy rental propert

I agree. Mathematically you won't get a better debt than a mortgage on your home. Usually tax-deductible too. However, there is additional risk there. Certainly don't pump out as much equity as you can get in order to put the minimum down on multiple other properties. Keep the leverage reasonable an...
by EmergDoc
Mon Apr 13, 2015 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Take mortgage on primary residence to buy rental property?
Replies: 8
Views: 993

Re: Input wanted from BMW owners

Aloha bogelheads, I just purchased a 2005 x-5 model 3.0 bmw with 55000 ordinal miles. Vehicle was driven by mature adult and had all required service done at bmw dealer in Kailua kona Hawaii. My neighbor who was trying to sell this car refused to put it on craigslist or in newspaper he didn't want ...
by EmergDoc
Mon Apr 13, 2015 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4385

Re: Replacing rental income with investment income

The easiest thing to do is sell the property and invest the proceeds in broad total market index funds. You'll probably get 6% out of those over the long term. You could also buy another investment property closer to you if you enjoyed that type of investing. You could even split the proceeds and us...
by EmergDoc
Mon Apr 13, 2015 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replacing rental income with investment income
Replies: 5
Views: 786

Re: Advice on getting out of a non-traded REIT

Hi all, This is my first post but I've gotten a lot out of reading the forums. Here's our dilemma: My husband and I are moving our assets from an expensive financial adviser to self-managing at Vanguard. We have about $25K of after-tax money that the financial adviser put in a non-traded REIT (Cole...
by EmergDoc
Mon Apr 13, 2015 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on getting out of a non-traded REIT
Replies: 12
Views: 1160

Re: Talking to People About Retirement

I am assuming that there are probably other people on this forum who have received these types of questions. How have you responded? I don't want to reveal the details of my finances to friends and family, but I also don't want them to think that I am making an irresponsible decision by choosing to...
by EmergDoc
Mon Apr 13, 2015 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6406

Re: Student Loan for Graduate School

Let her get a loan. It is subsidized and interest do not start till she graduate. Private loan interest starts right away, you just do not pay till 6 months after graduation. You can pay off at that time if you prefer. Right now just get as much subsidized loan as she can. Good Luck. I'm no student...
by EmergDoc
Mon Apr 13, 2015 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Student Loan for Graduate School
Replies: 20
Views: 1191

Re: Student Loan for Graduate School

Hi all, My 20 year old daughter is getting her BA in psychology this May. She did it in three years saving me a year's tuition, which I'm very grateful for. She was just accepted to the Master in Social Work Program which starts the fall of 2015. I paid for her undergraduate but I'm not sure how to...
by EmergDoc
Mon Apr 13, 2015 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Student Loan for Graduate School
Replies: 20
Views: 1191

Re: TAXES...oh...taxes...

Wow...I feel I might be a bit in over my head here.....but I will try my best to relay my situation an kindly ask for the direction of those much much wiser and more experienced than myself (pretty much ALL of you) ! a little about me: 35 yr/old : salary: $60,000 yr Mortgage on $140,000 residence a...
by EmergDoc
Mon Apr 13, 2015 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: TAXES...oh...taxes...
Replies: 28
Views: 3398
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