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Re: 2014 BOGLEHEADS CONFERENCE SOLD OUT

The issue is this- it's not 2000, it's more like 200. Plus, those who have attended before get an early invite. So those who see the regular invitation are really competing for 50 or 100 spots, not 200. But still, you/I/we had 7 weeks. It's not like it is impossible to go if you want to.
by EmergDoc
Thu Apr 17, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 10
Views: 1029

Re: What is your net worth

LH wrote:I am not looking for a reply, just a poll response. Pick the number that you are under. If your net worth, assets-liabilities (include home equity and mortgage) is 300,000 you would choose the 500K option.


shoot, screwed it up. I picked the one I was closest to. Oh well.
by EmergDoc
Thu Apr 17, 2014 3:08 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5104

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Be sure to convert as much of your taxable and tax-deferred funds to Roth funds during medical school and residency. You are right that you are in a very unusual, but fortunate, position. Congratulations. 1. That's okay, lots of us are asset class junkies too. 2. 37%, that's it? Yes, move to Vanguar...
by EmergDoc
Thu Apr 17, 2014 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 731

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

OK! At this moment I have a tad over $160,000 in my checking account earning ZERO. And I am expecting at least another $100,000 to be sent me this month. I have been reading, watching videos, and the TV trying to learn about investing for at leas t 5 hours every day for the past week. I have been e...
by EmergDoc
Mon Apr 14, 2014 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2645

Re: 85 yr old dad making financial moves

It's funny that families can take so long to recognize dementia. I think part of it is that it comes on so gradually. But part of it is that they never ask the dumb little questions that make it obvious to doctors. You know, like "What year is it?" "What floor of the hospital are you ...
by EmergDoc
Sun Apr 13, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1611

Re: Proper Money management and itinerary for Europe trip

You could also take a train to Garmisch-Partenkirchen and get to the top of the Zugspitze as a day-trip. One of the highlights of my trip to Germany. Of course, I walked up.....and was surprised by 3 restaurants and at least 500 people on the summit of this mountain. It turns out there were 3 trams...
by EmergDoc
Sun Apr 13, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1697

Re: Young doctor, taking over my own investments...

Welcome to the forum. The good news is..... Hello. I would like to get some advice for taking over my investment portfolio. Previously managed by a financial adviser who has had me in loaded managed mutual funds with high expense ratios. I want to make this entire portfolio much, much simpler. The f...
by EmergDoc
Sun Apr 13, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2493

Re: Is "sheltering" my GF financially hurting our future?

Much ado about nothing. Credit scores are highly overrated, easy to manipulate (add her to your cards and she'll have amazing credit in a hurry), and generally straight forward (i.e. pay your bills and you'll have credit good enough to do anything you need a credit score for.) Now, whether you will ...
by EmergDoc
Sun Apr 13, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is "sheltering" my GF financially hurting our future?
Replies: 14
Views: 2204

Re: California Taxes - Am I Missing Something?

This one from another thread is great: We are moving to the bay area next year from Dallas. My uncle has small multifamily housing in Mountain View. He offers to rent it to us one of his units for $1200 a month not including gas and electricity. The unit is small less than 700 square feet 2 bedrooms...
by EmergDoc
Sat Apr 12, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: California Taxes - Am I Missing Something?

These posts about California always amaze me. California must be the most controversial state in the nation. It seems really simple. If two of your top three priorities are low taxes and owning the largest house possible, then the San Francisco Bay Area might not be the best region for you. I live ...
by EmergDoc
Sat Apr 12, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: California Taxes - Am I Missing Something?

Someone with that income would find it challenging to build wealth in the Bay Area, but there are plenty of areas beyond the Bay Area they can live, such as further inland toward the Central Valley. In Southern California, the same applies as someone moves into the Inland Empire. Either that, or th...
by EmergDoc
Sat Apr 12, 2014 4:22 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: Transitioning From Commissioned Adviser (& non-traded RE

The investments suck. I think you know that. But the main problem is the account balance is too small to provide much of a retirement (4% of $350K is $14K per year). What's the plan to deal with that issue? I'd say that's a much bigger problem than the adviser problem or the investment problem. Thos...
by EmergDoc
Fri Apr 11, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning From Commissioned Adviser (& non-traded REITs)
Replies: 10
Views: 511

Re: Some websites are.......

Hello: Some websites are forecasting a stock market correction.........should I be concern (Marketwatch).Many thanks for your replies,parigi. :? Yes. Is your investing plan to monitor a bunch of websites and sell your investments when a certain number of them say a stock market correction is coming...
by EmergDoc
Fri Apr 11, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 14
Views: 1228

Re: Thrift Savings Plan -- the G Fund

I have too much money in cash in my tax-exempt funds and, to meet the recommended asset allocation, need to move much of it into fixed income investments. This cash is currently sitting in two places: my IRA and my government TSP. At the last Bogleheads meeting I attended, the crowd was touting the...
by EmergDoc
Fri Apr 11, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 671

Re: negotiation for MD, contracts, RVUs etc

Here's a link to the above mentioned post:

http://whitecoatinvestor.com/physician- ... agnostics/

After interviewing Jon, I admit that I kind of wish I had used him for my contract (not that I've had any issue since everything worked out great.)
by EmergDoc
Fri Apr 11, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 666

Re: Seward AK to Denali, back to Anchorage

Having worked a summer as a tour guide on the train between Anchorage and Denali, all I can say is don't get your hopes up. There will be no grizzly bears next to the train, you probably won't see the mountain, and a good portion of the trip you'll see nothing but the trees next to the train. Bruce ...
by EmergDoc
Fri Apr 11, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Seward AK to Denali, back to Anchorage
Replies: 8
Views: 618

Re: Was Wondering Why Windsor/Wellesley/Wellington?

Hard to argue with a fund that survived the great depression and has a long, long track record of great returns and a low ER. I don't hold it, but it's tough to fault someone who does. Certainly it is one of many "good" investing strategies as outlined in my post here: http://whitecoatinve...
by EmergDoc
Thu Apr 10, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3364

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Once I grasped that Mr. MM could not really help me with the main thing I needed to solve, I released him so to speak as my "potential guru" and was free to visit his site occasionally to see what he was up to next and pick up great tips on which...
by EmergDoc
Tue Apr 08, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23665

Re: I saw a "Boglehead" on my flight yesterday!

If I can't find one, I make one. I sat next to someone on my last flight reading The Intelligent Investor and studying for his CFA.
by EmergDoc
Tue Apr 08, 2014 7:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7431

Re: California Taxes - Am I Missing Something?

Gleevec wrote:
To each his own


Truly.

Gotta spend your money on what makes you happy. I'm just surprised what makes a lot of Californians happy I guess.

Didn't mean to start so much controversy, but looks like the opinions are evenly split on this one.
by EmergDoc
Tue Apr 08, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: Interest rates will rise, so flee REITS and Bonds?

I hope rates rise (as long as inflation doesn't go through the roof too). Sure, there may be a temporary hit in some or even all asset classes, but in the long run I'll be better off. Plus, I'm pretty much done borrowing for the rest of my life. I don't need low rates any more, I need high ones!
by EmergDoc
Tue Apr 08, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1261

Re: Want to trade car for Small SUV: Financially good, bad,

I use a simple algorithm for questions like these: Can you afford it? If yes, do you want it more than you want something else that costs the same? If the answer is yes, then buy it. It's a consumption decision, not an investment decision. You've got to spend your money on something and you can't ta...
by EmergDoc
Tue Apr 08, 2014 1:50 am
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1945

Re: California Taxes - Am I Missing Something?

And yet we all manage without even being doctors. ;) Of the people I know in California, I see a lot of "managing" and a lot of "surviving" but not a lot of thriving, even with some rather impressive incomes. The only friend I've got there who I would say is thriving runs a priv...
by EmergDoc
Tue Apr 08, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: 15 year vs 30 year fixed

Hello, My wife and are 32 with two kids. Buying our first house. We are both physicians just out of training (200K of student loan debt and 50K in 401K). Mortgage balance will be 1.62x my base salary (with production bonuses, ratio may change to approximately 0.65 of gross income). We plan on stayi...
by EmergDoc
Mon Apr 07, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 48
Views: 4658

Re: California Taxes - Am I Missing Something?

http://www.statemaster.com/graph/hea_tot_non_phy_percap-total-nonfederal-physicians-per-capita Exhibit B. Seriously though. Doctors live in Cities. That's all that graph shows. For example, Utah is near the bottom of the list, but I assure you there are PLENTY of docs in Salt Lake City. It's one of...
by EmergDoc
Mon Apr 07, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: California Taxes - Am I Missing Something?

Well, there are a lot of doctors here in California. I guess they enjoy the weather, things to do, the diversity, and have lots of business. Los Angeles county appears to have the highest doctor to patient ratio as medical insurance premiums are lower there than in other parts of the state (for the...
by EmergDoc
Mon Apr 07, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: New E-book for Millennials

Great work Bill. Love the format.
by EmergDoc
Mon Apr 07, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 51
Views: 5457

Re: California Taxes - Am I Missing Something?

It was my perception that California taxes were very high compared to the rest of the United States. However, given that they use marginalized tax rates for state income tax, the effective tax rate seems to be in line with other states. It is only when you're making well into the six digits does it...
by EmergDoc
Mon Apr 07, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7669

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

We did our 5 year anniversary trip in Sedona. Truly a special place. I'd spend more time there and less in Phoenix if I had my way. Remember when hiking at the Grand Canyon that you do the easy part (down) first, unlike most hikes. Don't wait until you're tired to turn around. Remember it's cold at ...
by EmergDoc
Mon Apr 07, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 973

Re: Preparing for the time to "fill-up the Bucket"

Most of us don't use buckets, we look at the entire portfolio as a whole. That's why you're not getting very many answers. Since you've decided to use buckets, you have to define what the buckets mean, what they're for, and how they're allocated. You seem to want to have 4 years worth of expenses in...
by EmergDoc
Sun Apr 06, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the time to "fill-up the Bucket"
Replies: 10
Views: 1761

Re: State taxes and out of state rental property

Do I really have to fill out a non-resident state income tax return if I have a rental property in another state? Partly you're filing the VA tax return to prove to VA that you don't owe them tax... and this is often an important protective step... (I''ve seen CA go after a client because he skippe...
by EmergDoc
Sat Apr 05, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: State taxes and out of state rental property
Replies: 25
Views: 1227

Re: Extreme ways to avoid college loan debt

I thought this was going to be about the guy who lived in the van during college.

While it might seem extreme to some, how about going to a school you can afford instead of one you think is prestigious? There are still tons of "good enough" schools out there with tuition under $10K a year.
by EmergDoc
Fri Apr 04, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extreme ways to avoid college loan debt
Replies: 8
Views: 589

Re: Going from S-Corp to Sole Proprietor

I will follow up with my CPA on these questions, but first I was hoping to tap some Boglehead wisdom. For ten years I’ve owned an S-Corp. In the old days, I had lots of revenue from websites running through it, but lately it’s mostly a vehicle for commission income I earn from doing sales. I learne...
by EmergDoc
Fri Apr 04, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from S-Corp to Sole Proprietor
Replies: 7
Views: 645

Re: Mayo clinic is the best clinic in America ??

thank you for all feedback--i have done the ERCP ( bile duck repaired ) at stanford but i have new problems at post procedure they dont know whta it is - that is why im going to Mayo i need to hear some one actually been treated there . Are there people who get ERCP and don't have problems? Maybe I...
by EmergDoc
Fri Apr 04, 2014 1:32 am
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2756

Re: road trip with kids, Northern California

Are you following me? That sounds like an exact itinerary for a trip I have coming up. Maybe we could carpool.
by EmergDoc
Fri Apr 04, 2014 1:24 am
 
Forum: Personal Consumer Issues
Topic: road trip with kids, Northern California
Replies: 12
Views: 687

Re: And suddenly, I'm done...

Nice feeling, eh? Especially nice when it happens at the beginning of your career. Then your focus can shift to helping others reach investing Nirvana.
by EmergDoc
Thu Apr 03, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 4948

Re: Free "If You Can" Kindle

Thanks for the freebie Bill. I'll publicize it to my list tomorrow if you like.
by EmergDoc
Thu Apr 03, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 51
Views: 5457

Re: Any Bogleheads here into real estate investing?(renting

The downside of real estate renting is it isn't just buying an index fund and forgetting about it for 40 years. The upside is it is a relatively safe way to use leverage to boost returns, and because the market is inefficient, your knowledge, skill, and hard work can pay real dividends. It is a perf...
by EmergDoc
Thu Apr 03, 2014 2:24 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3676

Re: Web hosting for largish websites

How much are people paying web hosting companies to host medium to large websites (at least a million views per year)? What sort of traffic does your site get and what extras do you have (database server, test environment, cloned server, etc)? Also, what sort of service do you receive and at what p...
by EmergDoc
Wed Apr 02, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Web hosting for largish websites
Replies: 17
Views: 776

Re: Expensive hobbies and possessions? (B/c you can...)

Lots of time off. Travel. I'd throw in the boat, but it's a beater.
by EmergDoc
Tue Apr 01, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9141

Re: New Friends are the Anti-Bogleheads, what to do?

You want to tell young people making $400k a year how to spend their money? That's rich. We owned a boat when we were making $150k a year. And not a cheap ass Bayliner. A boat boat that went 100 mph. Boats are fun. Saving for something 40 years in the future is not. Our kids loved the boat. We had ...
by EmergDoc
Mon Mar 31, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8313

Re: Mr. Money Mustache: Hero or Foolish?

I firmly vote Hero. Let me tell you why. 1) Unlike most posting on this thread I've actually met the guy and shared a meal with him. He's a lot of fun and very down to Earth. So any "personal" attacks are completely inappropriate. 2) He has something like 2 million pageviews every month. T...
by EmergDoc
Mon Mar 31, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23665

Re: A whole life question (put the axes and torches away)

I would not ever buy a whole life policy after learning what I have in the last 6 months both here and elsewhere. Many years ago, my dad (he owned an insurance agency) bought me a $100k whole life policy. This was over 35 years ago. It has the infamous cash value portion. He paid for it through col...
by EmergDoc
Mon Mar 31, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: A whole life question (put the axes and torches away)
Replies: 40
Views: 2064

Re: BH Vacations

I first plan the babysitters, then the time off. The money is a tertiary concern, at best.
by EmergDoc
Mon Mar 31, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3182

Re: New Friends are the Anti-Bogleheads, what to do?

I agree with the above about focusing on what you have in common. However, you might mention that since they're considering hiring an advisor and one of them is a doctor that they might check out a webpage like...... this one: http://whitecoatinvestor.com/investing/what-you-need-to-know-about-financ...
by EmergDoc
Sun Mar 30, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8313

Re: Moving 529 Plan to South Carolina

SC has a good plan. Add on a tax deduction/credit and you've got a winning combination. I'd roll over. Lots of states will give a tax deduction for a rollover. My state gave me one for an ESA to 529 rollover. I wouldn't be surprised if SC gave you one for a 529 to 529 rollover, but I'd actually look...
by EmergDoc
Thu Mar 27, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving 529 Plan to South Carolina
Replies: 2
Views: 253

Re: Inland American REIT - Should we sell?

It's a bad investment. It was a bad investment when you bought it. It is a bad investment now. You are actually able to get out of it while preserving most of your principal. I have no idea why someone would not do so before that chance goes away. So what if it's value goes up 10% and you miss out o...
by EmergDoc
Thu Mar 27, 2014 3:05 am
 
Forum: Investing - Theory, News & General
Topic: Inland American REIT - Should we sell?
Replies: 16
Views: 1379

Re: Ruminatiions on the US bull market

Bought more stocks today. Just like I have been every month for years.
by EmergDoc
Thu Mar 27, 2014 3:02 am
 
Forum: Investing - Theory, News & General
Topic: Ruminatiions on the US bull market
Replies: 10
Views: 1437

Re: Life insurance with hazardous activities

Rock climbing risk is determined by the type of climbing, the gear used, where it is done, experience, altitude and other factors. Some companies are more liberal than others. Try to find an agent that has experience with this issue. Yea, but if you're serious enough to call yourself a climber, the...
by EmergDoc
Wed Mar 26, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with hazardous activities
Replies: 11
Views: 927
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