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I bought it at the start of my final year of residency. I was moonlighting so my income had increased and I could easily afford it. I have 10K DI/Month with own onc; it costs about $4400 per year with Mass Mutual. I am not very pro insurance, but I do think this makes sense. If I can no longer be a ...

As others said, I don't think 0.7% is a 'terrible' professional fee. Especially in this situation, where if we hit a down turn over the next 5 years, everyone will blame you for the losses. Now, if they put you in 2% load fees on top of the 0.7, then that's what would [stink --admin LadyGeek] . I wo...

10 different ETFs? That sounds like a lot but that is not your question.

Most everyone on here favors to just 'go for it' and put it all in at once. It has been shown to work out better that way..

Yes, a 15 year note is cheaper and saves you considerably because you have 15 years less interest! The downside is the increased payment, which is a big issue to many people. We just refi to a 10 year note (from a 15) at 2.75% (down from 4.375%). Our payments are more (considerably more than a 30), ...

If I had a 25 million windfall today, I wouldn't put all if it into the stock/bond market either. why does this person need to do that? Or did I misread something. But where else would you put it? $25 million? I'd put it in FDIC-insured savings accounts and CDs. Once I've won the game, I'm taking m...

I moved over $100k (less than $500k) of assets to Vanguard this week and was offered a free conversation with a CFP as well. He basically recommended the three fund portfolio but with California Intermediate-Term Tax Exempt in place of Total Bond Market due to my tax rate. I told him I wanted to ti...

Another option, let the renters decide for you.

Lease renewal only if they pay X amount more. I am not sure you can do a $400 increase, but I would shoot for $200 more per month. Your arguments can be that the housing market is slightly better now?

I'll defer the other questions to someone else.

I am an EM physician and my wife is a professional; there are several docs on here. I am 32 and have been out 1.5 years. BIG TIME words of wisdom I have gathered and tried to live by: Rent first, buy later and DONT BUY TOO MUCH! If you are 'returning home' or going to an area that you have prior his...

You need to contact a lawyer.. You are a second mortgage; its a bit risky position to be in. If he defaults on the first mortgage, you need to go to the courthouse and purchase the note in order to protect your interest. It can get complicated. Hopefully, he refinances and everything works out. If n...

I was very skeptical at first, we jumped a few months ago. The best quote I heard?..... There has ALWAYS been a new high! We dumped a decent sized portoflio in a few months ago.. ON a new high! If we sold today, we would make almost 10K. And guess what, a few more new highs since then! There will al...

My family is just over 10 years younger than you guys and we 'made a leap of faith' a few months back. I am also an Emergency Physician... Maybe ironic, maybe its just who Emergency Medicine attracts, but at least lately, there have been MANY posts from EM physicians. You can look at my topic here: ...

I bought a 2.5 carat diamond off of Craigslist... I would suggested going for it, but demand to meet at a coin shop. Be there 10 mins early, tell the coin shop owner you are meeting someone where to buy a coin. Tell him you will give him 10-20 bucks to authenicate it to the best of his ability. I am...

Let me make this VERY easy for you..

You are a proffesional now with a six figure income. HIRE an accountant!

Another Emergency Physician putting in my 0.02. As has been said, DO NOT decide to go or not go to medical school based on a financial decision. If that is what is motivating you, then GET OUT now and dont go down the path. I would agree that you can tend to work hard in something else, that you do ...

I am a new Physician and my wife is a professional as well. We just recently 'jumped'; my last outline of our situation and final plans can be found here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=110725 I read a lot; and much like you we have a substantial cash reserve that I know is ...

How do you know you will be healthy at 50?

Probably a grand a month right now for health insurance..

I started the request to get that Roth 401K sent over the my Vanguard account. I ditched the Small Cap Index and Mid Cap Index, and instead bought the Small Cap Value Index Admiral. That sounds to be a more appropiate 'tilt'. I've read the back and forths on Tilt vs not; for now at least, we want to...

I jumped all in over the past few weeks.

I agree, it was difficult because 'its a high'... but there is ALWAYS another high.

Bite the bullet and do it and forget it!

For reference, here is our prior post. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=109349 Emergency Funds: Covered Debt: 326K primary mortgage - 15 year note @ 4.375%; 2 years into it - Plan to refinance. Appraisal when bought was 500K; paid 455K. UPDATE: Debt 326K primary mortgage - Ref...

My wife and I struggled over this.. "New Market Highs" and all this talk of 'Coming Bond Market Bust"... How the heck do we jump in now. We just puter about 60% of our net worth into a boglehead portfolio. We have most of it placed and should have the rest by the middle of this coming...

We (wife and I) have been doing various readings of this site and others; we posted some questions not long ago and after gathering more data, I am placing it in a more 'approipate' manner to this forum for feedback. We are both professionals, I work full time, she recently started working part time...

I will get our information together better and repost!