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Re: Foreclosed-Law Firm pursuing amount of second lo

Another option if you wait a few more years is that you might have the means to just pay the debt. Sounds like under VA law you're on the hook for it anyway. Seems silly to declare bankruptcy over $25K+ interest.
by EmergDoc
Sat Jan 24, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2093

Re: [Rear-ended, medical insurance claims and Medicare]

Auto insurance may be our best payer. We'll bill them first whenever possible. Certainly I'd rather have them pay the bill than Medicare! I don't see where Medicare comes in to this though. His auto insurance should pay and what they don't pay he's on the hook for. I guess if he's refusing then bett...
by EmergDoc
Thu Jan 22, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 478

Re: METLife Flexible Premium Multifunded Life Ins??

Hi Folks, This is my first post and am looking for some suggestions without a ton of technical jargon that I can't follow. I'll try to list as much info as possible. My wife and I are in early/mid 40's, with three kids(ages 7-12), full time jobs, house, etc. We are going to get term life, 15 years,...
by EmergDoc
Thu Jan 22, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: METLife Flexible Premium Multifunded Life Ins??
Replies: 4
Views: 326

Re: Diversity b/t t-IRA and roth-IRA

I use equities and fixed income in both tIRA and rIRA, but I weight them differently depending on what I think the market will do in the near future. If I think equities will do well, then I overweight them in Roth. If I think equities will do poorly, then I underweight them in Roth. In any case, I...
by EmergDoc
Thu Jan 22, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversity b/t t-IRA and roth-IRA
Replies: 8
Views: 520

Re: Reporter doing story on pitfalls of doing one's own taxe

Hello Everyone: A known reporter for a national newspaper would like to hear from people willing to be quoted about the pitfalls involved in preparing one’s own tax return. Are some issues so complex that it’s worth it to pay a preparer, even for dedicated Bogleheads? Has anyone ever had a messy pr...
by EmergDoc
Thu Jan 22, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4585

Re: Risk Efficiency of Thrift Savings Plan Portfolio

What's the point of 2% in the I fund? Either make a meaningful allocation to it or drop it completely.
by EmergDoc
Thu Jan 22, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Efficiency of Thrift Savings Plan Portfolio
Replies: 14
Views: 1111

Re: I'm thinking about making very large 529 contributions A

I've got faith in another branch that this isn't an issue.
by EmergDoc
Wed Jan 21, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4254

Re: What price are you planning to pay for your next car?

What price do you expect to pay for your next car and do you think that price is reasonable? I have a Sequoia with 150K miles on it. I expect to get another 50-100K out of it and will probably buy a brand new one when it dies. Kelley blue book says $56K optioned the way I want it. I could live with...
by EmergDoc
Wed Jan 21, 2015 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 6955

Re: urgent: how to identify top surgeons for a procedure

At any rate, there is no database. But you're talking about a CABG for crying out loud. This is bread and butter CT surgery not an exotic procedure. Actually, you couldn't be more wrong. Not all surgical sub specialties collect or publish such data, but cardiac surgery does: http://www.sts.org/qual...
by EmergDoc
Wed Jan 21, 2015 12:28 am
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3946

Re: $7 gas - what would you do?

Another good reminder of just how difficult it is to predict the future. One nice thing about $7 gas is that there would be a lot less traffic on my way to work. Of course, there might not be very many customers once I got there, and after a while, I might not have the money to buy the $7 gas either.
by EmergDoc
Tue Jan 20, 2015 11:39 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18418

Re: How long did it take your net worth to go from $1.5M to

Not sure, but at the current rate of increase, 3-4 years.
by EmergDoc
Tue Jan 20, 2015 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take your net worth to go from $1.5M to $3M?
Replies: 22
Views: 4528

Re: Let's Celebrate! Which funds are you buying in 2015?

This is an exciting time to invest and calls for a celebration! As you rebalance in 2015 (maybe you already have or are about to), which funds are you buying on the cheap? Of course we cannot know the direction these funds will move in 2015 but its always better to pay a Lower price than a higher. ...
by EmergDoc
Mon Jan 19, 2015 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3579

Re: Bored when market is closed

It wouldn't change my investing strategy at all if the markets were only open one day a month.
by EmergDoc
Mon Jan 19, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2080

Re: The "Less Than" a Million $ Club

I think you are better than most Americans at your age. Amen! You're way ahead of average. While I don't plan to retire on less than $1 Million (and think I probably need $3 Million) I've learned enough to know that there will always be people who make more than I do and have more than I do. I can ...
by EmergDoc
Mon Jan 19, 2015 5:54 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 70
Views: 9470

Re: urgent: how to identify top surgeons for a procedure

In before the lock! Or maybe it's more of a consumer issue than a medical issue, dunno. Certainly walking the line. At any rate, there is no database. But you're talking about a CABG for crying out loud. This is bread and butter CT surgery not an exotic procedure. And stents? Bread and butter interv...
by EmergDoc
Mon Jan 19, 2015 5:51 pm
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3946

Re: The DOW: An Index I Love to Hate

I have the same pet peeve against the Dow and Nasdaq. Even dumber is to give the daily change without anything more meaningful (monthly, quarterly, annual, amount since last bear market etc.) It just falls into the category of news that doesn't matter. It would be much better to hear: US stock marke...
by EmergDoc
Mon Jan 19, 2015 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1929

Re: Best Investment Strategy - Saving for a House post milit

Use the Roth anyway. You can pull out all the contributions plus $10K of earnings to use to pay for a house. Seems silly to save in a taxable account and leave a Roth unfunded. I also think 100% US equities is probably a mistake, but obviously it has been the right move the last few years. I'd diver...
by EmergDoc
Sun Jan 18, 2015 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Investment Strategy - Saving for a House post military
Replies: 14
Views: 1041

Re: Should I stop paying into my IUL policy?

A year ago I purchased multiple life insurance from a broker. I have a health condition that doesn't have any known cure. I'm not going to die tomorrow or even a month or year from now, but it can make life interesting for my family if I had to be hospitalize. ANyways, the broker managed to get me ...
by EmergDoc
Sun Jan 18, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stop paying into my IUL policy?
Replies: 7
Views: 596

Re: "Wining and dining" in medical community

I don't dare go to a drug dinner anymore. Who wants their name online as being on a drug company payroll? I'd rather buy my own dinner.
by EmergDoc
Sun Jan 18, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3493

Re: "Wining and dining" in medical community

Hilarious that this perception would be out there. While many might want to wine and dine docs, I don't see docs doing it very often at all. Most of the docs in my group drive a non-luxury SUV, a Prius, or a Leaf. Not exactly big spenders. Sure, we can afford to travel, eat out, and buy some luxurie...
by EmergDoc
Sun Jan 18, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3493

Re: Survey - Men Who Exercise At a Gym

Can we repeat this thread for hockey gear? That's possibly the worst "gym" smell I've ever experienced. Yet it always seemed to be bad luck to wash it during the season....
by EmergDoc
Sat Jan 17, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2610

Re: Debate: Roth 401k vs Trad 401k

2) There are 30 years worth of variables involved in trying to maximize the post-tax value of my retirement savings. 3) I'm not comfortable with projecting 30 years worth of variables. That's exactly the issue. It's complicated and its garbage in, garbage out. The only general rule of thumb I've ev...
by EmergDoc
Fri Jan 16, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1772

Re: Not grasping the backdoor roth-please help

Your brokerage doesn't know what they're talking about or you're not asking the question right. This post may help:

http://whitecoatinvestor.com/backdoor-r ... -tutorial/
by EmergDoc
Fri Jan 16, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not grasping the backdoor roth-please help
Replies: 11
Views: 1406

Re: Why invest in International funds? It's a mystery

In a recent article seen on USA Today the following is stated: But do international funds help your portfolio? In terms of return, it's hard to argue that they have, at least within most investors' experience. The past 25 years, large-cap U.S. funds have gained an average 691%, vs. 338% for interna...
by EmergDoc
Fri Jan 16, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10374

Re: Finally joined the two comma club

Congratulations! Be sure to spend some of it to celebrate.
by EmergDoc
Thu Jan 15, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6130

Re: Best 15 year (or similar) no cost mortgages

I currently have a 3.5% fixed mortgage with about 21 years left on it. I'm looking to pay it off quickly, possibly within 5 years. What banks are currently offering great rates (with no closing costs) that would make it worthwhile for me to refinance? If it is truly no cost, than any bank offering ...
by EmergDoc
Thu Jan 15, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best 15 year (or similar) no cost mortgages
Replies: 17
Views: 1492

Re: Debate: Roth 401k vs Trad 401k

My thoughts on the subject:

http://whitecoatinvestor.com/should-you ... ributions/

In my opinion, you haven't provided nearly enough information to get correct advice on this complicated question. There are a lot more factors in play than it appears you are considering.
by EmergDoc
Thu Jan 15, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1772

Re: Amex Fidelity CC 2% Cash Back

Every time my Fidelity Amex hits $50 in rewards, it automatically gets sent to my "brokerage" account at Fidelity (which stays empty). Once that transfer occurs, I simply transfer that amount to my bank. Very easy. Are we talking about the same card? I don't think I have to wait for $50 t...
by EmergDoc
Wed Jan 14, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fideli...
by EmergDoc
Wed Jan 14, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: Independent contractor and LLC

Unless you need "LLC" on your business card to impress the clients, or you think you might get sued, if you are just earning a bit on the side from some white-collar work I think it would be fine to be a sole proprietor. With any Schedule C income, you could then open a SEP-IRA and save a...
by EmergDoc
Wed Jan 14, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Independent contractor - LLC vs S corp vs other
Replies: 77
Views: 4098

Re: Independent contractor and LLC

I am considering some independent contract work outside of my current employment. Basically, this type of work will consist of chart reviews, utilization reviews and similar stuff. I currently get payed as an employee. For my new work, I will be an independent contractor and get paid via W9. Would ...
by EmergDoc
Wed Jan 14, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Independent contractor - LLC vs S corp vs other
Replies: 77
Views: 4098

Re: Been out of market for 5 years, when get back in?

100% CDs work -- I know plenty of new immigrants who went this way. Just need to spend less and save more to account for the lower returns. Ummmm.....no. Run the numbers; calculate the savings rate. It doesn't work. Let me demonstrate. Let's say somebody makes $100K a year and needs $80K year from ...
by EmergDoc
Wed Jan 14, 2015 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3053

Re: Free (or REALLY cheap) image hosting?

I'm not sure what these guys all charge, but you can have your own website for $50 a year. If you use a wordpress blog you can upload images willy nilly.
by EmergDoc
Wed Jan 14, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1416

Re: Milevsky's got me thinking immediate annuity????

My parents turn 70 this year and we just sat down and had a big discussion about whether to buy SPIAs with 1/10th to 1/4 of their portfolio. They decided against it for various reasons: 1) Their pension is larger than yours and actually covers all their current living expenses 2) They do have a desi...
by EmergDoc
Wed Jan 14, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Milevsky's got me thinking immediate annuity????
Replies: 28
Views: 2430

Re: Is a Sub-4% SWR a Boglehead Quirk?

I'm with the OP. People get insane about SWRs around here sometimes. Sometimes people forget it is a combination of the risk of running out of money and your risk of living a long time. If your risk of running out of money after 30 years is 10% and your risk of actually living 30 years is 10%, then ...
by EmergDoc
Sun Jan 11, 2015 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10623

Re: Whole life insurance paid up as a child, should I still

There's a good chance you'll want to keep this (determine guaranteed and projected returns going forward by getting an inforce illustration) but if not, this post should help:

http://whitecoatinvestor.com/how-to-dum ... fe-policy/
by EmergDoc
Sat Jan 10, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance paid up as a child, should I still cash
Replies: 12
Views: 1129

Re: Physician owned building versus rent

I own our business building and haven't regretted it.

But every real estate deal is different and must be evaluated on its own merits. Certainly you can afford it.
by EmergDoc
Sat Jan 10, 2015 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician owned building versus rent
Replies: 16
Views: 1422

Re: I see rental properties as bonds. Am I completely off b

Rental properties aren't stocks, but they aren't bonds either.

They generally have relatively stable, high cash flow, however, and can be very useful in a portfolio. They also have aspects of a second job, which you either must do, or pay someone else to do.
by EmergDoc
Sat Jan 10, 2015 2:58 am
 
Forum: Investing - Theory, News & General
Topic: I see rental properties as bonds. Am I completely off base?
Replies: 28
Views: 2383

Re: Paying MD loans with HELOC

Financially, it makes sense. Personal finance, however, is both personal, and finance. Also, keep in mind your student loans are forgiven if you die. So it would be appropriate to buy extra life insurance to pay off the HELOC if you die. Also, HELOCs aren't eligible for lower PAYE/IBR payments or fo...
by EmergDoc
Sat Jan 10, 2015 2:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying MD loans with HELOC
Replies: 5
Views: 858

Re: Three Questions That Bruise The Small Cap Perf. Promise

I find it interesting that this article gets posted here AFTER small cap under performance.
by EmergDoc
Sat Jan 10, 2015 2:51 am
 
Forum: Investing - Theory, News & General
Topic: Three Questions That Bruise The Small Cap Perf. Promise
Replies: 14
Views: 1977

Re: Older Brother is a New MD

My brother thinks he is in a sort of a pickle. He recently graduated from the University of Pennsylvania as an MD. He has two outstanding student loans. One is $60,000 at 6.8% rate and the second is $20,000 at 5.0%. - The $60,000 loan is eligible for income base payment and the $20,000 is at a fixe...
by EmergDoc
Sat Jan 10, 2015 1:39 am
 
Forum: Investing - Theory, News & General
Topic: Older Brother is a New MD
Replies: 24
Views: 3224

Re: Having a lot of kids really paid off.

What a wonderful thing to do! A couple of comments: 1) I agree that might not be the best way to title it. You say you're giving it to your parents. Technically, you're not. You're just letting them live in your house. One downside of this is that there will be no step up in basis upon their death. ...
by EmergDoc
Thu Jan 08, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2572

Re: Calling all blog and website authors

I didn't have a blog/site when this thread started, but I do now.

The White Coat Investor at http://whitecoatinvestor.com

It helps docs and similar high income professionals with personal finance, investing, insurance, student loan, estate planning, and asset protection topics.
by EmergDoc
Wed Jan 07, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calling all blog and website authors
Replies: 42
Views: 10545

Re: Any men here get their wedding band on Amazon?

Isn't it her job to buy a wedding band for you? Why do you have to worry about it? Regarding the titanium and other harder metals for rings, keep in mind that if you injure your finger and it has to be cut off it is a serious pain in the arse. Gold is like butter in comparison to the harder metals....
by EmergDoc
Wed Jan 07, 2015 2:33 am
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3697

Re: Price of Oil's effect on Health Care Sector unique?

I don't know. I guess it would be interesting if you knew it was the cause of price movements for sure. But I'm pretty agnostic about stuff like this. I don't see much connection between oil prices and the share price of a health care ETF. What's the correlation been for the last 30 years?
by EmergDoc
Wed Jan 07, 2015 2:17 am
 
Forum: Investing - Theory, News & General
Topic: Price of Oil's effect on Health Care Sector unique?
Replies: 2
Views: 490

Re: REIT predictions for 2015

I voted for a decline based on RTM and likelihood of interest rates rising. I'm not selling any though, so take that for what its worth.
by EmergDoc
Tue Jan 06, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1381

Re: Do you generally spend more when using credit cards?

Many Bogleheads find it painful to spend. By using a credit card, it's less painful to do what's right. That's the flip side of the studies you cite. For the average American, using cash instead of credit cards will probably increase the savings rate. If yours is too high already, why not use a card...
by EmergDoc
Tue Jan 06, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2694

Re: Any men here get their wedding band on Amazon?

Isn't it her job to buy a wedding band for you? Why do you have to worry about it? Regarding the titanium and other harder metals for rings, keep in mind that if you injure your finger and it has to be cut off it is a serious pain in the arse. Gold is like butter in comparison to the harder metals. ...
by EmergDoc
Tue Jan 06, 2015 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3697

Re: When the stars align...

I never had a dark past. My period of time in active mutual funds involved a 4 figure account and less than year. The XIRR was 4.9%. I almost bought my first individual stock last month with the Lending Club IPO, but forgot to do it and missed out on a 40% overnight gain. Sorry to be a party pooper.
by EmergDoc
Mon Jan 05, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: When the stars align...
Replies: 4
Views: 847
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