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Re: Made a huge mistake, need help

I consider a Vanguard stock index fund (such as Total Stock Market or S&P 500) to be LESS risky than a savings account. Sorry, but I wouldn't consider any stock fund to be less risky than a savings account. Today with a savings account one is guaranteed to only lose 1.67% to inflation each year...
by StormShadow
Sun Nov 16, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 9431

Re: Made a huge mistake, need help

TomTX wrote:I consider a Vanguard stock index fund (such as Total Stock Market or S&P 500) to be LESS risky than a savings account.

Sorry, but I wouldn't consider any stock fund to be less risky than a savings account.
by StormShadow
Sat Nov 15, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 9431

Re: Made a huge mistake, need help

Still Waters wrote:Any advice for a nervous nellie who always seems to make the wrong choices?

Simple. Don't invest in the stock market until you know what your risk tolerance is.

If you find that you don't have any risk tolerance, then don't invest in the stock market.
by StormShadow
Fri Nov 14, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 9431

Re: Your favorite classic toys for kids

Dungeons and Dragons
GI Joe action figures (3.75" version)
Slot cars and electric race track
Legos
Aircraft models
Monopoly
Comic books
Stuffed animals when I was really young

Nintendo and computer games, of course.
by StormShadow
Wed Nov 12, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3896

Re: Experience with Target Redcard?

Have it and like it. You can use it to buy Starbucks if there is one there, which I like.

The DW and I'd probably use it a lot more if Target had a better selection of groceries.
by StormShadow
Wed Nov 12, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2718

Re: Whats the best index?

No such thing as a "best index".

If you want diversification, Vanguard Total Stock Market Index Fund invests into the entire US stock market based upon market capitalization.
by StormShadow
Sun Nov 09, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Whats the best index?
Replies: 14
Views: 1598

Re: Investing/saving during residency with large student loa

I was able to max out my Roth IRA and contribute to the match during residency. But outside of that, I lived as tight as I could. I even lived with my folks during the final three years, which I was fortunate to do. I made quite a few payments during residency (income based repayment/PSLF), which al...
by StormShadow
Sun Nov 09, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing/saving during residency with large student loans
Replies: 17
Views: 1232

Re: Christine Benz ,Bogle Interview

Thanks for posting. I greatly enjoyed the videos of Bogle and the latest one of William Bernstein. I thought that Bill Bernstein was in form suggesting that this was the time to buy gold. I just wish I knew what gold fund to buy. He did not say. However it is not in my IPS so I will pass. Personall...
by StormShadow
Sun Nov 02, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 8
Views: 1899

Re: Front load commission for advisor?

Its not unusual for mutual funds to decrease or waive the front load fee if you reach a certain minimum amount. But I'd make sure you see it in writing first.

Btw, I don't recommend transferring into that particular fund. I'd stick with the lowest cost index fund.
by StormShadow
Sat Nov 01, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Front load commission for advisor?
Replies: 3
Views: 622

Re: Career Advice for an Unhappy Young Doctor?

Also just finished my training this past June. Residency sucks. Plain and simple. It drains the life out of everyone. Outside of the work, what especially drove me nuts was having to deal with all of the stupid office politics (residents are effectively powerless and have to kowtow to every jerk att...
by StormShadow
Mon Oct 27, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13280

Re: Is it possible to have a favorite movie

L.A. Confidential :beer
by StormShadow
Sat Oct 18, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3280

Re: Critically Acclaimed Movies you did not like

Easy to make a list just by looking at the Academy Award nominee/winners: Any Woody Allen film (I'm biased, because I can't stand anything about the guy) The Artist Scarface Munich Crash Slumdog Millionaire The Curious Case of Benjamin Button Capote Good Night, and Good Luck Ray Gosford Park The Cry...
by StormShadow
Mon Oct 06, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9287

Re: Who or what inspired you and your investing approach?

My dad (for good reasons...) :beer

He lived like a boglehead his whole life.
by StormShadow
Sun Aug 10, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4727

Re: 3.3% Vanguard 10 year CD

ArthurO wrote:I refuse to loose my purchasing power due to inflation.

Buy gold... every year... for the next 7 years. :beer
by StormShadow
Sun Aug 10, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 10468

Re: 4-6 year college savings plan; very beginner

Also recommend a 529 plan. Depending on where your father lives, contributions may be also be state-tax deductible. Based upon Utah's 529 plan (which is managed by Vanguard), a "moderate plan" for a kid between 13-15 years old would consist of roughly: 14% Total US Stock Market Index 6% To...
by StormShadow
Sun Jul 13, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4-6 year college savings plan; very beginner
Replies: 3
Views: 643

Re: List of Worst financial advice (what not to do):

Paraphrased from an Ameriprise rep...

"Sure, you could go with index funds if you're ok with just average returns. But why not pay a few extra percentage points to get better returns?"

Happy to say I never gave them a dime. Unfortunately, I can't say the same for my parents. :annoyed
by StormShadow
Wed Jul 09, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16708

Re: Please Help Me Plan A Trip To Italy

I would skip Rome and spend that time in Florence. I respectfully disagree with this. If you are visiting Italy for the first and potentially only time, Rome is a must. But the OP said both, and I'd recommend both! (Totally recommend visiting the Pantheon, I can't believe I forgot to mention this!)
by StormShadow
Fri Jul 04, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 31
Views: 2358

Re: Please Help Me Plan A Trip To Italy

+1 avoid driving in Italy. When I visited with a few buddies, one of us rented a car and I lost count how many times he nearly ran over those lunatic Vespa riders. The public transportation is fine. Places I went to and recommend... Florence: Ponte Vecchio, Piazza della Signoria (my favorite place t...
by StormShadow
Fri Jul 04, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 31
Views: 2358

Re: How many Bogleheads golf?

I try to hit the range every once in a while. Very therapeutic. :mrgreen:
by StormShadow
Mon Jun 30, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4676

Re: investment with student loan repayment

Looks like everyone here is against loan forgiveness option. I don't know what loan forgiveness will look like in 20 years. Do you? Paying down or off the debt is a guaranteed return, if you are still in debt in 20 years you will still do better by paying down some. Meanwhile, they might change the...
by StormShadow
Tue Jun 17, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 2163

Re: Medical Textbook for the Layperson?

I couldn't recommend any layman's textbook, because quite frankly I don't read any of them. However, if you want a nice online reference that many attending physicians, residents and medical students use.... uptodate.com is pretty good. I often frequent emedicine.medscape.com as well. Both require a...
by StormShadow
Sun Jun 15, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Medical Textbook for the Layperson?
Replies: 22
Views: 1878

Re: What would "you" do?? [in this case]

What I'd do: $15k Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) $15k Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) $10k Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) 1. Is this assuming that the total money in these funds is for long-term/r...
by StormShadow
Thu Jun 12, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3973

Re: Time to Sell Index Funds While Market Is High?

there are good reasons to avoid market timing and focus on investing for the long-run.

http://www.bogleheads.org/wiki/Market_timing
by StormShadow
Thu Jun 12, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3835

Re: What would "you" do?? [in this case]

What I'd do:
$15k Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX)
$15k Vanguard Total International Stock Index Fund Admiral Shares (VTIAX)
$10k Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX)
by StormShadow
Thu Jun 12, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3973

Re: Peppy V6 With Good Fuel Economy

I own a 2011 Camry V6 and very satisfied with it. Its quiet on the roads, which I really appreciate after a long day at work. But if peppy is what you're looking for, I'd go with the Honda Accord. When I test drove the 2011 version, I thought it had a slightly stiffer suspension and quicker response...
by StormShadow
Thu Jun 12, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3111

Re: Medical Residency Retirement - Why don't we get a match?

As residents at UCalifornia we also have a mandatory 401a contribution in lieu of SS I was at UCLA from 00-03 - I recall getting a 5% match to our 403b or 401a? Is that in place now? My memory may be mistaken. My brother-in-law completed his internal medicine residency and fellowship at UCLA just a...
by StormShadow
Wed Jun 04, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3614

Re: Medical Residency Retirement - Why don't we get a match?

As a resident, I had a very nice match of 6%. The 403(b) was managed by Fidelity and had a very attractive selection of low cost index funds to choose from. Also, I had the option to select either Traditional versus Roth 403(b). Best part? The match was immediately 100% vested. If you left the next ...
by StormShadow
Sun Jun 01, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3614

Re: Freakonomics Authors Blast Stock Pickers

BillyG wrote:Short quote:
"And if you look at, let's say, stock picking advice specifically, you find that the experts, the people that we must revere, the people that we pay the most, are generally about as good as a monkey with a dart board,"

I think they are giving stock pickers too much credit.
by StormShadow
Thu May 29, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics Authors Blast Stock Pickers
Replies: 2
Views: 975

Re: Large Amount in Personal Savings - scared to invest

In these days of market turmoil and fears of another 2007 style implosion is there really a "safe" option that would give me at least a half-decent rate of return without me losing sleep every night worrying about my nest-egg ? If you're too scared to invest, then don't invest. There is a...
by StormShadow
Thu May 29, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: Large Amount in Personal Savings - scared to invest
Replies: 48
Views: 5258

Re: POLL: QB Aaron Rodgers disproves the EMH

I've followed the NFL draft pretty closely since the late 90's, and I remember this draft quite vividly because Rodgers slipped to my Redskins selection spot at #9 and I was screaming at the television for my Skins to pick him. A lot of this is conjecture, but the biggest knock against Aaron Rodgers...
by StormShadow
Wed May 28, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3683

Re: Save for 25 years = $1million?

A nephew is 25 years of age, no college, good job with fairly good pay at a Fortune 500 company. He works hard and they like him; he had received several raises and promotions. He is not yet married and has no children. At a recent family gathering, he asked me how much he would have to save each m...
by StormShadow
Mon Apr 14, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 4293

Re: 31 yr old w/ $500k @ EdwardJones

Thanks for all the replys. I have quite a bit of reading to do. All the funds were front loaded. I'm pretty sure they were all in the 5.75% range and an expense ratio around .8%??? It's possible I could be mistaken. EJ is not completely transparent with the fees charged. I feel sick that I neglecte...
by StormShadow
Thu Apr 03, 2014 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 52
Views: 9828

Re: "Gold to tank in 2014: Goldman Sachs"

Browser wrote:Maybe this prediction will be right. I've been looking for someone with a crystal ball that works.

I had a broken watch once. It still told the correct time twice a day! :beer
by StormShadow
Fri Mar 14, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 100
Views: 8390

Re: Which order of stocks to liquidate to pay bills?

So I'm running a little short this coming April on paying all of our bills (mostly due to my annual term life premium becoming due)... so the DW wants me to liquidate some of our taxable holdings to pay this instead of dipping into the emergency fund. Isn't this scenario exactly what the emergency ...
by StormShadow
Tue Mar 11, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which order of stocks to liquidate to pay bills?
Replies: 7
Views: 774

Which order of stocks to liquidate to pay bills?

So I'm running a little short this coming April on paying all of our bills (mostly due to my annual term life premium becoming due)... so the DW wants me to liquidate some of our taxable holdings to pay this instead of dipping into the emergency fund. Question: Should I just liquidate via first in/f...
by StormShadow
Mon Mar 10, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which order of stocks to liquidate to pay bills?
Replies: 7
Views: 774

Re: Tipping for take out

I have never ordered take-out from a sit-down restaurant before, but if I did, I wouldn't tip. In sit-down restaurants, I always sit-down and eat. If I want takeout, I go to typical take-out places (McDonald's, etc). I'm surprised at this! We get take out from places that also offer sit-down quite ...
by StormShadow
Fri Mar 07, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 5482

Re: The Oscars

topper1296 wrote:My vote goes to Bill Murray including Harold Ramis as a nominee.

+1 This :beer

Ghostbusters and Groundhog Day are two of my all-time favorite films.
Bedazzled and Year One always produce a chuckle.
Vacation and Caddyshack are classics, but I can't stand Chevy Chase.
by StormShadow
Mon Mar 03, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1729

Re: Risky investment with a "guaranteed" principal return

I wouldn't touch this with a 10 foot pole.
by StormShadow
Mon Mar 03, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3911

Re: Good Russian ETF

I'd consider shorting russian auto insurance.

Yeek, they have a lot of really bad drivers. :shock:
by StormShadow
Mon Mar 03, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Russian ETF
Replies: 15
Views: 1406

Re: Format of webpage

I'm all discombobulated! :(
by StormShadow
Mon Mar 03, 2014 9:46 am
 
Forum: Forum Issues and Administration
Topic: Format of webpage
Replies: 10
Views: 1591

Re: When to consider legal action for expensive 403(b) optio

To the university's credit, they do offer VINIX (Vanguard S&P500 index fund institutional shares with an ER of 0.04%). At least with 401K's my understanding is that they often add one good fund like this to make it very hard to be sued for having other bad funds in the 401K. That is sort of lik...
by StormShadow
Sat Mar 01, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 733

Re: When to consider legal action for expensive 403(b) optio

Public employers are not subject to ERISA which has a fiduciary standard. Remedies are limited to those available under state law. Many states prohibit law suits against government entities under the doctrine of sovereign immunity or do not consider 403b plans to be retirement plans under state law...
by StormShadow
Sat Mar 01, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 733

Re: When to consider legal action for expensive 403(b) optio

On Dec 18, 2013 LRSCX plummeted by 21.2% and Dec 19, 2013 JDPAX went down by 13.3%. There is no explanation for why this happened in the letter that was sent out to us about the portfolio changes. There is nothing in a Morningstar chart of these ticker symbols to show these plummets, so I would sug...
by StormShadow
Sat Mar 01, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 733

When to consider legal action for expensive 403(b) options?

Recently the retirement benefit director for our university hospital notified us that our benefits committee decided to discontinue offering two expensive mutual funds and replace them with two similarly expensive mutual funds. The retirement funds are managed by Prudential. The official reason for ...
by StormShadow
Sat Mar 01, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 733

Re: harvard med school vs. penn med+full tuition scholarship

Congratulations!

Just a prediction, but I think you will never ever regret this decision. :beer
by StormShadow
Mon Feb 24, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10979

How to convince family and friends to use Boglehead Method?

Ask if they like to make money or if they prefer to give it away to people that say they are making them money.
by StormShadow
Sat Feb 22, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4826

Re: First Roth IRA

I opened the Vanguard account and put down $5,500 down for the 2013 contribution period. :beer Cheers, welcome to the club. 1. Should I appropriate my funds to the target retirement year or should I select individual funds? Either one sounds good to me. 2. Should I put down at least $10,000 ($5,500...
by StormShadow
Wed Feb 19, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Roth IRA
Replies: 18
Views: 1288

Re: Skip IRA for 1 year to buy engagement ring

DonCamillo wrote:Has anyone else reading this forum noticed that while Bogleheads is a great place to get financial advice, it is a terrible place to get romantic advice?

Boglehead alternative to the engagement ring? A used copy of Atlas Shrugged.
by StormShadow
Wed Feb 19, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13829

Re: Skip IRA for 1 year to buy engagement ring

I really don't think its unreasonable for her to want a traditional diamond engagement ring. I do. Hence the synthetic diamond route. 8-) Watch Blood Diamond, and remind her how synthetic stones are conflict free. Since they are indistinguishable from natural diamonds, your wife will still have the...
by StormShadow
Tue Feb 18, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13829
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