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Re: Which Med school?

There is some value in attending a "big name" private school - i.e. Mayo, Harvard, etc. Whether that added value is "worth it" for the cost is a different question, and largely depends on individual goals. However, there will be no added value at all in attending a "middle t...
by Ruprecht
Wed Dec 25, 2013 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12729

Re: Insanity in the office kitchen/break room

You think that's insane? Recently, everyone in my office started giving names to food and drinks in the company fridge. How weird is that, right?
Yesterday I had a tuna sandwich named Kevin.
by Ruprecht
Sat Aug 24, 2013 7:46 am
 
Forum: Personal Consumer Issues
Topic: Insanity in the office kitchen/break room
Replies: 32
Views: 3215

Re: Admiral shares questions

2.) No. It's an in-kind exchange and is not taxable. There's a caveat to this: you MUST MUST MUST click the "convert shares" button that appears next to the fund in question when you reach $10,000. I've heard of some people just selling the investor shares and investing the proceeds in th...
by Ruprecht
Sun Aug 18, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 983

Re: Admiral shares questions

Thanks! That is very helpful information. Glad I was wrong about that.
by Ruprecht
Sun Aug 18, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 983

Admiral shares questions

I've never had a taxable investing account before, and am a little intimidated by the differences vs. my tax-advantaged accounts. I'd be grateful for some answers to a few (simple?) questions: Regarding admiral shares: 1. I understand that you have to have a minimum of $10,000 in an account to quali...
by Ruprecht
Sun Aug 18, 2013 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Admiral shares questions
Replies: 9
Views: 983

Re: 403b transfer to new job

Thanks for the responses. I'd love to rollover into a traditional IRA at Vanguard, but am a bit worried about the potential difference in creditor protection between IRAs vs 403b-type plans. I'm in a fairly high-risk field as far as potential for lawsuits, so I need to take that into consideration. ...
by Ruprecht
Thu Aug 08, 2013 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b transfer to new job
Replies: 3
Views: 247

403b transfer to new job

If you switch jobs, I understand you can transfer your 403b from the old job to the new job. Is that something you could choose not to do initially, and then later change your mind and transfer? Or is this an opportunity that only comes along once? Scenario would be "a better 403b at the old jo...
by Ruprecht
Wed Aug 07, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b transfer to new job
Replies: 3
Views: 247

Re: Some things a teen could do to help out parents college-

I disagree with the "get a job" advice. You're not going to make enough money to matter, because you have nothing to offer right now. That's the truth. What you can do is apply yourself in a major way to make sure that you will finish college with real career prospects. I did not "get...
by Ruprecht
Sun Aug 04, 2013 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some things a teen could do to help out parents college-wise
Replies: 74
Views: 5063

Re: Taxable for relative

Thanks for the responses. If anyone else has ideas, I'd love to hear those also. Some answers to LAlearning, and a couple new questions: I'm basically a living emergency fund, so that's currently "taken care of". I'd just like to help him build long-term savings that will be separate from ...
by Ruprecht
Mon Jul 29, 2013 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable for relative
Replies: 3
Views: 280

Re: Family trip to Orlando. Suggestions.

Consider this on your trip to Miami: http://www.butterflyworld.com/ . We went there about 14 years ago, and it was great. Butterflies and hummingbirds were the main attraction then. I don't know how much they've added over the years, but it would be worth a visit even if it hasn't changed at all sin...
by Ruprecht
Sun Jul 28, 2013 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Family trip to Orlando. Suggestions.
Replies: 33
Views: 2241

Taxable for relative

My 30+ yrs younger brother is intermittently employed. When he is, he contributes to a Roth IRA through Vanguard - no 401k or 403b with his kind of work, unfortunately. When he's not working (and this year looks to be another), he's not able to contribute to an IRA due to the IRS rules, and also doe...
by Ruprecht
Sat Jul 27, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable for relative
Replies: 3
Views: 280

457b withdrawal - taxes vs corporate bankruptcy

I have some savings in a 457b at my work. This is in addition to my 403b and 401a. The amount in my 457b is a significant amount by my standards (to me, 20 bucks is 20 bucks - I'm not just a Boglehead, I'm a tightwad, too). However, as a percentage of my overall savings and by most of you guys' stan...
by Ruprecht
Wed Jul 17, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 457b withdrawal - taxes vs corporate bankruptcy
Replies: 2
Views: 221

Re: Dow surpasses 15000

Image
by Ruprecht
Fri May 03, 2013 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Dow surpasses 15000
Replies: 32
Views: 2944

Re: Would you invest in real estate with a family member?

I've been renting to a family member for years and it's worked out very well, but within my family circle we're pretty much hard-core communists. I mean that pretty literally - i.e. "from each according to his ability, to each according to his need". In my opinion that mindset is essential...
by Ruprecht
Wed Jun 13, 2012 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in real estate with a family member?
Replies: 35
Views: 2964

Re: SAT tutor vs. self study

Also of note: My daughter did much better on the ACT...her ACT score is said to translate into an SAT score that was about 150 points better than was actually her case. The ACT is what tipped her into the "NAME" private school I believe. I don't know what the tests are like now, but in my...
by Ruprecht
Wed Apr 11, 2012 3:54 pm
 
Forum: Personal Consumer Issues
Topic: SAT tutor vs. self study
Replies: 22
Views: 916

Re: SAT tutor vs. self study

They allow calculators on the SAT now?
by Ruprecht
Wed Apr 11, 2012 3:46 pm
 
Forum: Personal Consumer Issues
Topic: SAT tutor vs. self study
Replies: 22
Views: 916

Re: Re:

mptfan wrote:The average physician makes $175,000 a year, and the average specialist makes up to $500,000 per year...


Wow, what a misuse of the concept of "average".

I guess you would also say that the average NBA player is up to 7 feet, 7 inches tall.
by Ruprecht
Thu Apr 05, 2012 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: physician side income
Replies: 83
Views: 6621

Re: Is $10k too much to spend on a honeymoon?

We spent two weeks in French Polynesia. Three days in a very expensive over-the-water bungalow here and loved it: http://www.letahaa.com/ Check your bill when leaving - front desk clerk added a false charge onto it which he planned to pocket. We got the money back. Would go back again, but will chec...
by Ruprecht
Mon Mar 05, 2012 10:43 am
 
Forum: Personal Consumer Issues
Topic: Is Tahitian over water bungalow vacation worth the price?
Replies: 90
Views: 5649

Re: Berkshire Annual Letter Out Saturday

I do not feel that Warren Buffett is intellectually honest in his public statements; I put him in the "spinmeister" category. So, no, I do not make a point of trying to absorb what he says. A good example would be his recent pronouncement about "bonds" being "among the most...
by Ruprecht
Tue Feb 28, 2012 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Annual Letter Out Saturday
Replies: 40
Views: 2893

Re: Buffett letter is out...his exact words on Bonds, etc

I am convinced that everything Warren Buffett now says and writes is politically motivated. I have no confidence whatsoever that any of his comments are intended to give "good advice to investors." Whether or not his advice, if followed, would be good for the nation as a whole-- well that ...
by Ruprecht
Sun Feb 26, 2012 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett letter is out...his exact words on Bonds, etc
Replies: 14
Views: 2739

Re: Interesting analysis for physicians: MDs deceptive incom

At 28 when I was done with residency I made over 600k. I worked every weekend in a high paying specialty to do this. Now a few years later I don't work any weekends. I would say don't feel sorry for physicians. I went to a state medical school with cheap tuition. I made about 330k last year leaving...
by Ruprecht
Thu Feb 23, 2012 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8275

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Thu Feb 23, 2012 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8275

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Thu Feb 23, 2012 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8275

Re: Interesting analysis for physicians: MDs deceptive incom

At 28 when I was done with residency I made over 600k. I worked every weekend in a high paying specialty to do this. Now a few years later I don't work any weekends. I would say don't feel sorry for physicians. I went to a state medical school with cheap tuition. I made about 330k last year leaving...
by Ruprecht
Thu Feb 23, 2012 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8275

Re: Interesting analysis for physicians: MDs deceptive incom

I don't begrudge the salary of those that did. However, the article sure looks like whining to me, with cherry-picked numbers. This. I am as well a doctor(well, will be in 3.5 more months) in a field other than medicine, one which will never in my working life have me making as much as most beginni...
by Ruprecht
Thu Feb 23, 2012 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interesting analysis for physicians: MDs deceptive income
Replies: 119
Views: 8275

Re: Conspiracy of the Rich, How much should I be worried?

Valuethinker wrote:Man came from Africa. Africans are in some sense, what we all once were.


Dude, I would seriously consider rephrasing that.
by Ruprecht
Sat Feb 18, 2012 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Conspiracy of the Rich, How much should I be worried?
Replies: 34
Views: 3302

Re: Warren Buffet article in Fortune.com

Warren Buffet has made his fortune, and now he's interested in politics. I take anything he says with a truckload of salt. What makes you guys think he's giving advice because he cares about your portfolios? Warren Buffet is not Jack Bogle. For what it's worth: the only gold I own is on my finger as...
by Ruprecht
Thu Feb 09, 2012 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffet article in Fortune.com
Replies: 13
Views: 1811

Re: Anyone with experience with Carmax?

I sold a car to Carmax 6 or 7 years ago. My experience with them was mediocre. They low-balled me on the price, and the whole process was more time-consuming than I expected. Not a terrible experience, but considerably less rosy than some of the above posters'.
by Ruprecht
Thu Feb 02, 2012 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience with Carmax?
Replies: 50
Views: 8556

Re: Tithe 10% of Gross?

One other thing, if you do tithe, I suggest you do so from a taxable account. If you lose money on the investment, you sell it and then give the money to charity, claiming the loss on your taxes. If you make money on the investment, donate it directly, get your full tax deduction, and avoid the cap...
by Ruprecht
Wed Jan 18, 2012 10:25 am
 
Forum: Personal Consumer Issues
Topic: Tithe 10% of Gross?
Replies: 102
Views: 5743

Re: Smart Investing, Education - Stakes High in U.S.

I don't know how this article could spark anything but a political discussion. I'm in my early forties, and I've already seen numerous examples of mobility in both directions by both friends and family members. In my own experiences, all the mobility I've seen was quite fair, including the downward ...
by Ruprecht
Thu Jan 05, 2012 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Smart Investing, Education - Stakes High in U.S.
Replies: 9
Views: 738

Re: Savannah, Georgia

in-laws live in Savannah. They say Paula Deen's restaurant is very crowded and very overrated.
by Ruprecht
Thu Dec 22, 2011 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Savannah, Georgia
Replies: 25
Views: 1869

Re: My review of Applied Economics by Sowell

Here is the quote from Larry Swedroe's column. As one example, Sowell notes that in Ontario, Canada, patients awaiting hip replacements wait 11 months. There is a basic problem with that piece of information. It is incorrect. It is also amazingly easy to refute. It took me all of about 3 minutes to...
by Ruprecht
Wed Dec 21, 2011 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

There is no data from time of injury to surgery. Lots of injuries such as hip injury occur slowly over time, so there is no injury moment. BobK That's true, but if you as a patient have finally reached the point where your chronic pain is no longer acceptable, and your primary care provider refers ...
by Ruprecht
Wed Dec 21, 2011 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

VictoriaF wrote:Mankiw's economics books -- and the mainstream teaching of economics -- and criticized by Edward Fullbrook in Toxic Textbooks

Victoria


Wow, that article by Fullbrook was pathetic. Thanks for the link.
by Ruprecht
Wed Dec 21, 2011 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

There is no data from time of injury to surgery. Lots of injuries such as hip injury occur slowly over time, so there is no injury moment. BobK That's true, but if you as a patient have finally reached the point where your chronic pain is no longer acceptable, and your primary care provider refers ...
by Ruprecht
Wed Dec 21, 2011 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

For starters, if you tried to remain within the academic field, which Sowell tried, to get tenure in a decent institution. See above post. That's an indication of whether or not you were able to produce serious scholarship. Sowell is just a hack. ...because tenure decisions are always academically ...
by Ruprecht
Wed Dec 21, 2011 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

For starters, if you tried to remain within the academic field, which Sowell tried, to get tenure in a decent institution. See above post. That's an indication of whether or not you were able to produce serious scholarship. Sowell is just a hack. ...because tenure decisions are always academically ...
by Ruprecht
Wed Dec 21, 2011 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: My review of Applied Economics by Sowell

For starters, if you tried to remain within the academic field, which Sowell tried, to get tenure in a decent institution. See above post. That's an indication of whether or not you were able to produce serious scholarship. Sowell is just a hack. ...because tenure decisions are always academically ...
by Ruprecht
Wed Dec 21, 2011 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: My review of Applied Economics by Sowell
Replies: 82
Views: 3639

Re: Take SAT exam again?

take it again.

But study first.
by Ruprecht
Tue Dec 20, 2011 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Take SAT exam again?
Replies: 37
Views: 2529

Re: Favorite Christmas "albums"

by Ruprecht
Tue Dec 20, 2011 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Christmas "albums"
Replies: 63
Views: 5430

Re: Advice: Buying house and renting to Parent

Why can't you just own the house and let her live in it? Why does rent have to be in the equation? Am I missing something?
by Ruprecht
Tue Dec 20, 2011 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice: Buying house and renting to Parent
Replies: 18
Views: 1867

Re: Should Vanguard disclose executive compensation?

I'm torn on this one. On the one hand I don't want people wasting my money. And I am quite disturbed by reports of executives making tens of millions of dollars per year. In companies that wind up losing money. On the other hand, do we really want to limit others' incomes through intimidation? That...
by Ruprecht
Mon Dec 19, 2011 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Should Vanguard disclose executive compensation?
Replies: 52
Views: 3571

Re: Should Vanguard disclose executive compensation?

I'm torn on this one. On the one hand I don't want people wasting my money. And I am quite disturbed by reports of executives making tens of millions of dollars per year. In companies that wind up losing money. On the other hand, do we really want to limit others' incomes through intimidation? That...
by Ruprecht
Sun Dec 18, 2011 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Should Vanguard disclose executive compensation?
Replies: 52
Views: 3571

Re: Should Vanguard disclose executive compensation?

I'm torn on this one. On the one hand I don't want people wasting my money. And I am quite disturbed by reports of executives making tens of millions of dollars per year. In companies that wind up losing money. On the other hand, do we really want to limit others' incomes through intimidation? That'...
by Ruprecht
Sun Dec 18, 2011 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should Vanguard disclose executive compensation?
Replies: 52
Views: 3571

Re: Article: Here is who owns the wealth ($200T)

Any posts that refer to "the 1%" or "the 99%" are obviously political and don't belong on this forum.
by Ruprecht
Fri Dec 16, 2011 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Article: Here is who owns the wealth ($200T)
Replies: 53
Views: 4369

Re: Article: Here is who owns the wealth ($200T)

I'll refrain from saying everything on my mind here. However, the one thing I just can't stand to not comment on is the term, "creating jobs." Jobs are not created. Cars are created. Computers, tables, chairs are created. Services are provided. People are required to do these things. That'...
by Ruprecht
Thu Dec 15, 2011 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Article: Here is who owns the wealth ($200T)
Replies: 53
Views: 4369

Re: How to Die

For those discussing a living will - a living will is not enough. By all means have one, but your family's wishes will almost certainly trump anything you have written down. The real value of a living will is bolstering the opinion of some family members against others, if that proves necessary. If ...
by Ruprecht
Wed Dec 07, 2011 10:01 pm
 
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 84
Views: 10647
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