Search found 10743 matches

by EmergDoc
Tue Aug 25, 2015 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Fixed rate student loan refi options?
Replies: 1
Views: 214

Re: Fixed rate student loan refi options?

I have six advertisers on my site, all of whom refinance student loans to fixed or variable rates. If you go through the links on my site, you get up to $300 you can also put toward your loans. I'd put a link, but this probably spammy enough as it is. I've got an "update" post coming out i...
by EmergDoc
Mon Aug 24, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 31
Views: 3051

Re: Scoring a deal on a boat

I’m ok with a beater, but for small entry level boats, I think I’ll be able to find something decent for that range. I found one boat on craigslist for $5,500 that is about 12 years old, but low hours and looks new. Sale is already pending and so am guessing it's gone, but seller said he'll let me ...
by EmergDoc
Mon Aug 24, 2015 1:23 am
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 31
Views: 3051

Re: Scoring a deal on a boat

I'd like to get something 2005 or newer -- and hope I have good luck with it. I will have it checked out after looking at it myself. I plan to spend a good amount of time on it -- I live right next to the lake and have spent half the summer on the water. That's a lot less than I would have thought ...
by EmergDoc
Mon Aug 24, 2015 1:10 am
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 31
Views: 3051

Re: Scoring a deal on a boat

I'm looking for a 16-18 bowrider boat. It's getting close to the end of the season so I'd either buy new if a deal is too good to pass up (25% off or more), used if I can get something in great shape or wait until next year. What sort of discount may I be able to get on low end boats towards the en...
by EmergDoc
Sat Aug 22, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4518

Kind of getting excited about energy stocks

You can now buy VDE at early 2007 prices. At a certain point, you're getting some very good companies at a very good price. I have no idea where the trough is, but I do like the idea of buying something at a price it was at almost a decade ago.
by EmergDoc
Sat Aug 22, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7813

Re: Piling into emerging markets

In Fall 2008, I learned that Bogleheads are far more aware of market movements than most investors. Patience would have been a virtue then and if I had had some, I would have done a lot fewer transactions and made even more money (although I did make lots of money climbing out of that.) In the 2011 ...
by EmergDoc
Fri Aug 21, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Quantifying the safety of the G Fund in AA
Replies: 10
Views: 786

Re: Quantifying the safety of the G Fund in AA

Investing isn't that exact. Any of those are probably fine. Staying the course with your asset allocation is far more important than what the exact allocation is. Pick something reasonable, write it down and stick with it for a few decades.
by EmergDoc
Thu Aug 20, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7766

Re: What's a Bug Out Bag and who uses them?

We live in an area without hurricanes, tornados, floods, earthquakes, long power outages and war out in the suburbs with a well functioning police force. North Korea rockets could not reach us on the East coast. We have no guns either. I survived WW2 as a child and there was no sudden emergency. Bo...
by EmergDoc
Thu Aug 20, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7766

Re: What's a Bug Out Bag and who uses them?

I would have to questions one's faith if they are religious, yet feel the need to have a bug out bag at the ready. Won't their higher power "protect" them? Wouldn't the end of days, be all a part of their plan? :confused I think that this aspect of the LDS Church is driven more by their h...
by EmergDoc
Thu Aug 20, 2015 10:35 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 173
Views: 25243

Re: VWO seems cheap right now

My entire monthly 401(k) amount went into VWO today. I didn't even look to see if it was down YTD. I just saw I was underweight compared to my target and I had cash.
by EmergDoc
Thu Aug 20, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: How Much and How Long For Term Life Insurance for 28 yo/spouse?
Replies: 23
Views: 1312

Re: How Much and How Long For Term Life Insurance for 28 yo/spouse?

If someone depends on your financially, I'd say $1-5M is the right amount. So $500K seems a little low. Just multiply the amount by 4% as an annual spending amount and you'll see why. So if you can afford more, I'd get it. In your 20s, I'd say choose either 30 year level term or annually renewable t...
by EmergDoc
Wed Aug 19, 2015 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1436

Re: BAM Alliance

Lots of variation within the alliance. Fees tend to be average as well, i.e. 1% a year. I'm not willing to pay that when there are so many lower cost providers of similar service.
by EmergDoc
Wed Aug 19, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7766

Re: What's a Bug Out Bag and who uses them?

I would have to questions one's faith if they are religious, yet feel the need to have a bug out bag at the ready. Won't their higher power "protect" them? Wouldn't the end of days, be all a part of their plan? :confused I think the answer to that is: "God helps those who help themse...
by EmergDoc
Wed Aug 19, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5755

Re: How to spend more and not feel bad about it

I would like to start enjoying life more by spending more. For instance, I wouldn't mind traveling to more countries and buying a nice watch. The problem is that when I spend money, I think about how that money could have been invested instead. i.e I could have bought more shares in my tax free acc...
by EmergDoc
Wed Aug 19, 2015 4:16 am
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 42
Views: 4460

Cheap copy of Lange's Retire Secure 3rd Edition

I reviewed the second edition of James Lange's Retire Secure a few months back. http://whitecoatinvestor.com/retire-secure-a-review/ It is an excellent book that fits right in with most traditional Boglehead books. He has just come out with a third edition and they're running a promotion on it. Bogl...
by EmergDoc
Mon Aug 10, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 31
Views: 6821

Re: Rick Ferri Launching A Robo Advisory

Thanks a lot Rick. Now the post I published this morning is already out of date.

http://whitecoatinvestor.com/what-you-n ... oadvisors/
by EmergDoc
Sun Aug 09, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buying a house that is registered under a sex offender

Seems like a great way to get a pretty good discount.
by EmergDoc
Sun Aug 09, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Giving Financial Advisor Benefit of Doubt or Pull the Plug
Replies: 26
Views: 2794

Re: Giving Financial Advisor Benefit of Doubt or Pull the Plug

I only read the first line of your post.

First time poster considering switching from Ameriprise


Pull the plug.
by EmergDoc
Sat Aug 08, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8814

Re: Got laid off last Friday

I think holding cash until you're reemployed is a good idea too. You can make a lot of $2300 payments with $450K. That said, I'd try to raid that 401(k) as little as possible. Remember there are penalties as well as taxes when it comes out, aside from the loss of funds that are supposed to be for re...
by EmergDoc
Sat Aug 08, 2015 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13011

Re: Did a dumb thing

Looks to me like you've done several dumb (although incredibly common) things. Sold out in a bear market. Stayed out of the market for 7 years. Investing by "feel." Market timing. Bought a 100% equity portfolio after already proving to yourself you can't handle it in a bear market Watching...
by EmergDoc
Sat Aug 08, 2015 11:14 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 10834

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

I like the concept behind partial annuitization and probably will do that for my portfolio, but that is because I have no pension and SS will make up a relatively small portion of my retirement spending. However, for someone like my parents and inlaws, both of whom have a pension relatively large co...
by EmergDoc
Fri Aug 07, 2015 12:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5818

Re: Congrats to Laura Dogu

Felicidades por tu nuevo trabajo! Lo mereces!
by EmergDoc
Wed Aug 05, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5535

Re: Have you ever encountered hostility because people think you're "rich"?

I'm not rich. I have a higher net worth than most people my age if statistics are anything to go by, but I'm still at least 7 years away from having a seven-figure net worth. But I've noticed something in a few casual conversations, as well as online discussions where topics of taxation and wealth ...
by EmergDoc
Wed Aug 05, 2015 9:32 am
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 128
Views: 13639

Re: $13 Million Goal for Early Retirement (am I crazy?)

New annual Contributions $18K (max out) his 401k (plus 3% employer match) (plus additional ~$7K for Mega Backdoor Roth contributions) $5.5K (max out) his Roth IRA $5.5K (max out) her Roth IRA $6K taxable $6K HSA $3K 529 Questions: 1. My goal is to retire by age 50. Based on the information above an...
by EmergDoc
Mon Aug 03, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: What to do with UGMA account after College
Replies: 10
Views: 814

Re: What to do with UGMA account after College

Background: My Grandparents opened a UGMA account in my name. The account has grown to about ~$28,000. I have graduated college and fortunately did not need to use the money. It is currently invested at Scottrade in the following stocks/funds: My goal is to make the most out of this money. I'm not ...
by EmergDoc
Mon Aug 03, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How's this for snowballing my debt!
Replies: 41
Views: 4244

Re: How's this for snowballing my debt!

Good job. Feels good eh?
by EmergDoc
Mon Aug 03, 2015 12:33 am
Forum: Investing - Theory, News & General
Topic: Mark Hulbert: Stock market 3.5%/yr over next decade
Replies: 28
Views: 2798

Re: Mark Hulbert: Stock market 3.5%/yr over next decade

Any Bogleheads thinking on market performance for the next decade? I just saw this article: "Opinion: Stock market is doomed to rise only 3.5% a year over the next decade" http://www.marketwatch.com/story/what-the-bull-market-needs-to-keep-going-2015-07-31 Bear in mind when people say thi...
by EmergDoc
Sun Aug 02, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Where to hike late October-mid November??
Replies: 33
Views: 1910

Re: Where to hike late October-mid November??

Ten days in one location is a bit long for me when I travel. But the day hikes and temperature, Utah comes to mind. You have lot of choices: Moab, with Arches NP, Canyonland NP, and Dead Horse Point State Park near by. Also other National parks include Zion, Bryce, and Capitol Reef. Lodging at this...
by EmergDoc
Fri Jul 31, 2015 12:28 am
Forum: Investing - Theory, News & General
Topic: Can I be a Boglehead and a UAW?? [Under Accumulator of Wealth]
Replies: 27
Views: 2592

Re: Can I be a Boglehead and a UAW??

I corrected that formula for doctors in my book. Basically I adjusted it for the student loan burden and the late start. It's not perfect but it's much better.
by EmergDoc
Thu Jul 30, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2761

Re: Does % of students from low income households factor when you pick schools for kids?

It is tricky when trying to select an environment that is racially and culturally diverse to not also get an environment that is socioeconomically and morally diverse as well, especially if that is not your number one priority in selecting a location to live.
by EmergDoc
Wed Jul 29, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2989

Re: Hefty Medical Bill

Wow this is a really sucky situation. I assume there is no insurance in the severance package? Church related hospitals are generally not required to offer COBRA. Was the procedure done at the hospital you worked? You may be able to negotiate a discount. You may be able to do that anyway, but if it...
by EmergDoc
Wed Jul 29, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 19
Views: 2064

Re: CFA Exam Results

I always feel like I'm in the Navy in any thread where cfs comments. Bulkheads, decks, the head and all.

At any rate, congratulations. The low pass rate makes this a test to be proud of passing.
by EmergDoc
Tue Jul 28, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

Especially with his kids! But the out and back from Whitehouse could be done. If they got sick of it, they could just turn around and walk back to the car. It's not big deal going in at Wirepass to the junction with kids - I'd do it with an 8 year old. You can experience the narrow slots 1.5 miles ...
by EmergDoc
Tue Jul 28, 2015 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2989

Re: Hefty Medical Bill

Ooohhh...self insured and they fired you? Sure no one else in your family needs some expensive surgical stuff this summer? What a great way to stick it to the man!

Absolutely I would get on COBRA ASAP and if they continue to stonewall, I'd hire an attorney.
by EmergDoc
Mon Jul 27, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

Buckskin in summer? Sounds brutal. You'll be more than glad to jump into those pools, if they're still there, in mid-summer. I think April and early May are the best time for Buckskin. While it can be done in a day, the overnight stay at the confluence is nice (especially if you can camp comfortabl...
by EmergDoc
Mon Jul 27, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Checking-An Easy Way to Earn Extra Money
Replies: 22
Views: 2802

Re: Rewards Checking-An Easy Way to Earn Extra Money

A couple easy methods to meet the debit card charge requirements online, without having to go to a store: Telecoms (e.g., AT&T, Comcast) allows you to pay bills in increments as low as $1. Amazon gift cards can be bought in tiny increments, immediately show up in your email and can be applied t...
by EmergDoc
Mon Jul 27, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

I understand the desire to see different things, but that's sort of a lot of driving. Do any of your kids love animals? You might want to look into visiting Best Friends Animal Shelter while you are in the region. I might add an extra day in Las Vegas for the Hoover Dam or Red Rocks Canyon and skip...
by EmergDoc
Mon Jul 27, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

Did similar two years ago (same time of year), and my kids liked it so much we went back next year. Highlights were zion canyoneering trip w/ guide and zion narrows hike (with dry suits), both were well beyond their limits, which normally would backfire, but these were unique enough they wanted to ...
by EmergDoc
Mon Jul 27, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

Thoughts on this? Weather ok that time of year? Things to do? Places to stay? Buckskin Gulch is one of the longest slot canyons in the world and if you don't want to hike the 21 miles thru you can always hike in and turn back after a few miles. Plus, after the first few miles everything starts to l...
by EmergDoc
Mon Jul 27, 2015 4:16 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1943

Re: Zions, Bryce, Grand Canyon Late March

Way off investing, but figure I trust the wisdom here as muach as anywhere. Thinking 8 nights end of March, 2016 with wife and daughters age 15 and 13. Land in Las Vegans, first night in LV, 2 nights Zions, 1 night Bryce, 1 night Page/lake Powell, 2 nights GC South Rim, and 1 night Sedona, fly out ...
by EmergDoc
Sun Jul 26, 2015 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Student Investor
Replies: 13
Views: 1350

Re: Medical Student Investor

Oh yea, liquidate the taxable stuff and use it for school. Good job on the Roth 401(k).
by EmergDoc
Sun Jul 26, 2015 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Mom - I'm Concerned About Her Advisor
Replies: 24
Views: 1929

Re: Helping Mom - I'm Concerned About Her Advisor

bandit510 wrote:I'm helping my mother review her investments. I believe she is vastly over paying in fees. She is using the same advisor, Ameriprise, !


You are correct.
by EmergDoc
Sun Jul 26, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Checking-An Easy Way to Earn Extra Money
Replies: 22
Views: 2802

Re: Rewards Checking-An Easy Way to Earn Extra Money

which perhaps average $50 each, Well, that's your problem right there. My average transaction is probably $4-$5. I mostly do it for breakfast on the way to work and lunch out while working. I could be using my 5% cashback credit card, but spending $4 x 24 (12 debit transactions, and 12 transactions...
by EmergDoc
Sun Jul 26, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Checking-An Easy Way to Earn Extra Money
Replies: 22
Views: 2802

Re: Rewards Checking-An Easy Way to Earn Extra Money

It's even less money when you subtract the rewards that could have been earned by a credit card on the required number of transactions, not to mention the hassle factor of keeping track of the transactions. They've carefully crafted the requirements to make it not worth the time of the vast majority...
by EmergDoc
Sun Jul 26, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10875

Re: Scott Burns – Don’t quit your day job.

Waaa waaaa waaaaa Life is so hard. I can never retire. I better work until I'm 75 and then use a 1.5% withdrawal rate. Seriously people. It isn't half as dismal as most people seem to think for various reasons. # 1 You probably won't live 30 years after a standard retirement anyway. Average is 19 ye...
by EmergDoc
Sat Jul 25, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Student Investor
Replies: 13
Views: 1350

Re: Medical Student Investor

I just want to point out something that seems very obvious to me, but may not be to you. Eliminating 5.84% loans on the front side may be your best investment. Many investors on this forum would kill for a 5.84% guaranteed investment. Especially in a pre-tax account when you are a med student and ex...
by EmergDoc
Fri Jul 24, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3833

Re: How to pay taxes on blog income?

Why not an individual 401(k)? At lower income levels, a SIMPLE can sometimes make sense in that it allows for a higher contribution due to the different definition of "net earnings from self-employment." Could you enlighten us on this. I am not aware of anything about self-employment inco...
by EmergDoc
Thu Jul 23, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: I'm a spender?
Replies: 44
Views: 5979

Re: I'm a spender?

Spend a little, but not a lot until the loans are gone. I recommend you continue to "live like a resident" until your student loans are paid off. But what I mean by that is to live on $75 or $100K (still a very nice raise from your resident salary), pay $100K intaxes, and put the other $20...
by EmergDoc
Thu Jul 23, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 6173

Re: Why I Said "No" to Peer-to-Peer Lending

T 2) Low correlation with the rest of my portfolio Do you have junk bonds in your portfolio? I bet that's going to have some correlation with p2p lending. No, I don't. My other fixed income is very safe with half in the G fund and half in TIPS. I'm not sure what kind of correlation you'd see betwee...
by EmergDoc
Wed Jul 22, 2015 11:22 pm
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 6173

Re: Why I Said "No" to Peer-to-Peer Lending

I do have some at Prosper, but not nearly as much. Good point though.

Go to advanced search