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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 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4277

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 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8075

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 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4-6 year college savings plan; very beginner
Replies: 3
Views: 601

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
Thu Jul 10, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16237

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 10:53 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 26
Views: 1888

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 1:33 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 26
Views: 1888

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 10:48 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4433

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 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 1990

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 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Medical Textbook for the Layperson?
Replies: 22
Views: 1742

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 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3892

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 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3764

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 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3892

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 10:18 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3027

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 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3425

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 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3425

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 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics Authors Blast Stock Pickers
Replies: 2
Views: 967

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 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Large Amount in Personal Savings - scared to invest
Replies: 48
Views: 5191

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 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3580

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 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 4257

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
Fri Apr 04, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 52
Views: 9429

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 11:39 am
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 94
Views: 7436

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
Wed Mar 12, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Which order of stocks to liquidate to pay bills?
Replies: 7
Views: 767

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 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which order of stocks to liquidate to pay bills?
Replies: 7
Views: 767

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 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 5365

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 12:05 pm
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1698

Re: Risky investment with a "guaranteed" principal return

I wouldn't touch this with a 10 foot pole.
by StormShadow
Mon Mar 03, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3760

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 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Russian ETF
Replies: 15
Views: 1359

Re: Format of webpage

I'm all discombobulated! :(
by StormShadow
Mon Mar 03, 2014 10:46 am
 
Forum: Forum Issues and Administration
Topic: Format of webpage
Replies: 10
Views: 1561

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 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 721

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 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 721

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 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 721

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 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to consider legal action for expensive 403(b) options?
Replies: 10
Views: 721

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
Tue Feb 25, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10700

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 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4735

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 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Roth IRA
Replies: 18
Views: 1272

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 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13354

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
Wed Feb 19, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13354

Re: What to do when a parent's money runs out?

http://www.forbes.com/sites/timworstall/2012/03/22/alcohol-obesity-and-smoking-do-not-cost-health-care-systems-money/ No offense, but that article is pretty stupid. For those that haven't read it (don't bother), it basically argues that people with unhealthy habits cost society less money because t...
by StormShadow
Tue Feb 18, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15669

Re: Skip IRA for 1 year to buy engagement ring

NaOH wrote:If a clear white stone is required, you could look into moissanite - synthetic, similar hardness/fire as a diamond, and much, much more reasonable.

Two words: synthetic diamond. Get the best of both worlds. :beer
by StormShadow
Tue Feb 18, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13354

Re: Skip IRA for 1 year to buy engagement ring

I haven't thought much about budget yet. She's been asking to go ring shopping, and I plan on marrying her, but I'm afraid that if I sit down and talk to her about finances she will see that I could easily afford to buy her a ring if I put retirement savings on the back burner for a year and she wi...
by StormShadow
Tue Feb 18, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13354

Re: First Roth IRA

A Roth seems like the no-brainer choice to me. 1) You can tax shelter more money. 2) Your tax rate right now is pretty low. 3) In the nearer term, you could potentially withdraw your contributions (but not earnings) penalty free if things got desperate, and in the longer term you can avoid RMDs wit...
by StormShadow
Tue Feb 18, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Roth IRA
Replies: 18
Views: 1272

Re: Investing advice for a 14 yr old

I briefly flipped through this while at a book store, but it looks like it would be appropriate for a 14 year old.

Investing Made Simple: Index Fund Investing and ETF Investing Explained in 100 Pages or Less
by Mike Piper
by StormShadow
Sat Feb 08, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for a 14 yr old
Replies: 5
Views: 343

Re: Investing advice for a 14 yr old

Give him a copy of "The Richest Man in Babylon".

Other books to consider...

The Little Book of Common Sense Investing
Dilbert and the Way of the Weasel
Bogleheads Guide to Investing
by StormShadow
Sat Feb 08, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for a 14 yr old
Replies: 5
Views: 343

Re: 401(k) Financial Security Insight - Young Professional

This is what I'd do. Your 401k, I'd invest only between these five (or possibly only the first three) funds: VANG TOT INTL STK IP, VTPSX, 0.10% (Foreign Stock Investments) VANG TOT BD MKT IS PL, VBMPX, 0.05% (Intermediate – Term Bond Investments) VANG INST INDEX PLUS, VIIX , .02% (Large Cap) VANG MD...
by StormShadow
Tue Jan 28, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Financial Security Insight - Young Professional
Replies: 10
Views: 1006

Re: New Boglehead: How am I doing with my windfall?

Thinking about my AA though, what is the thinking on a windfall at my age of this size and not staying pretty aggressive? It just kinda feels like I'm young enough that I may as well gain off it aggressively now considering how much time I have for interest to compound and until I get married/have ...
by StormShadow
Tue Jan 28, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead: How am I doing with my windfall?
Replies: 13
Views: 2007

Re: Please help with 401K fund selection

Yes contribute to the 401k up to the match. Free money. Yes then max out the rIRA: 5,500 for 2014. I would just go Wellington. Its the cheapest. Has some diversification. And is the cheapest. For the minimal money, it doesn't make any difference. Contributions matter so much more right now. +1 Cont...
by StormShadow
Sun Jan 26, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401K fund selection
Replies: 11
Views: 434

Re: Physician starting out, want to do it right

live like a resident for five years. +1 Also... * Paying down those student loans is a nice guaranteed return. Take advantage of it. * Umbrella insurance is cheap and, imo, a necessity if you are in a high income tax bracket. * Build up your emergency fund to at least 6 months. Use a high interest ...
by StormShadow
Sun Jan 26, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2054

Re: Good/ enjoy math, but dislike programming: College major

Forgot to give a +1 for information sciences. Extremely practical degree and would make you instantly employable. Start some sort of on-the-job training ASAP (via summer internship or whatever). This applies to any job. For someone with an interest in mathematics, I still think economics makes sense...
by StormShadow
Mon Jan 13, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Good/ enjoy math, but dislike programming: College major?
Replies: 65
Views: 3388

Re: Good/ enjoy math, but dislike programming: College major

+1 to accounting, economics and actuarial sciences.

Neutral on finance, as I feel you can learn this on your own (read: CFA, CFP).
by StormShadow
Sun Jan 12, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Good/ enjoy math, but dislike programming: College major?
Replies: 65
Views: 3388
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