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Re: "I've had it" at work - how often

I am in medicine and good to know I am not alone. The constant pressure to do more work per unit time for less money. The loss of autonomy. The loss of job stability. The awful job market in my area leading to less career choices. I always think that all this stress, long training and long painful w...
by am
Sun Oct 19, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12365

Re: illinois 529 allocation question

Do you think the age based index portfolio is reasonable?
by am
Sun Oct 12, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: illinois 529 allocation question
Replies: 3
Views: 215

illinois 529 allocation question

Here is a link to their allocation options: https://www.brightstartsavings.com/doc/Bright_Start_Direct_Fee_Allocation_Worksheet.pdf I use the age based index option. My oldest child is in the 10-12 portfolio about 9 years from entering college. Seems like the allocations are too conservative? I am c...
by am
Sun Oct 12, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: illinois 529 allocation question
Replies: 3
Views: 215

Re: Unemployment insurance question

How about if you are an employee of an organization?
by am
Wed Oct 08, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment insurance question
Replies: 3
Views: 241

Unemployment insurance question

If my 5 year contract is not renewed, will I qualify for unemployment insurance? Do they look at assets, imterest/dividends for determining payments?
by am
Wed Oct 08, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment insurance question
Replies: 3
Views: 241

Simple penalty question about 401k/IRA

If you take an early withdrawal on IRAs or 401k, you pay income tax due and 10% penalty. Is the 10% penalty for the entire amount? You withdraw 50k and pay 5k + income tax on 50k?
by am
Mon Oct 06, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple penalty question about 401k/IRA
Replies: 3
Views: 274

Re: VXUS and Muni Bonds tax efficiency

Is total world stock from Vanguard more efficient that total us or international?
by am
Sun Sep 28, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS and Muni Bonds tax efficiency
Replies: 9
Views: 745

Re: Vanguard ETF and fund

For some reason, I could not upgrade to the new combined brokerage and mutual fund accounts using vanguard.com/accountupgrade. Is this only available for some the account owners?
by am
Sun Sep 28, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF and fund
Replies: 19
Views: 1122

Re: HSA payroll deductions not being applied to my HSA

If you are in a large company, are there rules/laws as far as how quickly money gets into the HSA? And if a problem is not solved in a timely manner, what should you do? Complain to manager of the manager or keep waiting?
by am
Tue Sep 23, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA payroll deductions not being applied to my HSA
Replies: 7
Views: 629

Re: How to achieve a balance between "saving" and "living"?!

No one can know for sure where the balance between consumption and savings should be since we do not know our lifespan. As Bogleheads and prodigious savers, we assume the best. A long productive life and good returns. The alternative for me at least would be worse. If I did know my lifespan and it w...
by am
Sat Sep 20, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6678

Re: Slow iPad mini with iOS 8 upgrade

Called Apple support. Said many people are calling in with similar issues. The support tech told me that after the update, the ipad is restored and it can take 4 hours per gig. While ipad is restored, the system can be slow. I will see tomorrow if this is accurate.
by am
Sat Sep 20, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1584

Slow iPad mini with iOS 8 upgrade

Anyone else having this issue? If so are there any solutions? Perhaps even a downgrade?
by am
Sat Sep 20, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1584

International Bonds a strategy for rising rates?

Saw this article on the Vanguard site today. Is this a good enough reason to include 20% or so? After reviewing the research paper Vanguard published, I was left with more complexity for minimal benefit.
by am
Tue Sep 16, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on International Bonds
Replies: 5
Views: 485

Re: Do I need to hold my emergency fund in cash?

Consider a short to intermed. Muni bond fund instead of cash for part of your emergency fund.
by am
Sun Sep 14, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3371

Re: Emergency fund question

1st month checking
2-18th months AMEX savings and Ally CD
18+ months intermed. Term muni
If need more than this have taxable stock funds

I sleep better at night with this much liquid reserves.
by am
Sun Sep 14, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question
Replies: 6
Views: 655

House value percentiles in states and US?

There are charts for personal income. Just curious if there are similar statistics available for house values? Say you own a 600k house, where does this fall in terms of state and us percentiles? Would also be interesting to see what percent of people at varying values own their home without mortgage.
by am
Sun Sep 07, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: House value percentiles in states and US?
Replies: 2
Views: 429

Re: So far, so good? Vanguard Total International Bond

Good returns do not justify inclusion in a portfolio. There is still no good reason for most investors to include this in their portfolio. See older discussions.
by am
Fri Sep 05, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 4976

Re: Is it me, or are "collectibles" worthless in 2014?

I aquired some baseball card wax boxes from 1982-1985 years back mostly for nostalgic purposes. Love to see them sitting on my shelf. Brings back memories and also makes me feel kinda old. They ranged from about 50 dollars for 82 Fleer to about 200 for 84 donruss. Seems like they have appreciated a ...
by am
Sun Aug 24, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6520

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

Anyone find it troubling that indexing is becoming so popular? Wonder if this will somehow change the "market" if there are fewer stock pickers?
by am
Thu Aug 21, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7175

Recommendation for ear buds/in ear headphones

Tons of choices on Amazon. Want something real comfortable to wear for long periods with great sound while I work out and go for walks. This is for my Ipod. Thanks.
by am
Fri Aug 15, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 798

Re: Do you diversify into international bond?

Minimal to no benefit in the past with added complexity. Total bond is more than enough diversification.
by am
Thu Aug 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2353

Re: New VG Performance Charts

Is the percentage return at the top compound annual growth rate or some other measure?
by am
Sat Aug 09, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New VG Performance Charts
Replies: 17
Views: 2042

Re: Persistence of SV performance

Seems like it is tough for the average retail investor to capture the SV premium, especially if investing at Vanguard. I also think that most investors could not tolerate the tracking error. My conclusion is that there is a SV premium to be had, but not for most retail investors who invest on their ...
by am
Tue Jul 15, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 4027

Alternative to taxable account ( for physician)

So I saw this huge malpractice award : http://www.bostonglobe.com/metro/2014/06/29/overlooked-lung-cancer-results-million-verdict-against-radiologist/rbFZ4e94nIeH57r46ixVSL/story.html for millions way over the limits for most physician policies, in my field. Oversights like this are very common but ...
by am
Sat Jul 05, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to taxable account ( for physician)
Replies: 4
Views: 599

Re: Market Timing with the PE10

If we have a specific portfolio goal that we would want to reach, I would think we would want to increase equities and/or savings rate since returns are expected to be low. I am not sure that high valuations necessarily mean that there will be a market crash. I would reduce equity exposure when I ap...
by am
Sat Jul 05, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing with the PE10
Replies: 18
Views: 2350

Brick patio question

We have aging concrete with some cracks and chips in our patio which is about 500 sq feet. Replacing several of the worst concrete slabs and stoop is about 1200 dollars. Brick patio is about 6600-8000k. Does it make sense to do the brick on a 600k house- which is in the lower 1/2 of home prices in o...
by am
Wed Jul 02, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Brick patio question
Replies: 8
Views: 990

Re: Hitting "The Number" too early

Take as little risk as possible with your money from this point on. Unless you Love your job, reduce hours and do things you enjoy more. As one smart boglehead said, you are more likely to run out of time than money.
by am
Tue Jul 01, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5577

Re: I am thinking of buying Ooma or Magicjack need help deci

Have used magic jack for about one year with rare call quality problems, but otherwise great. When I make the call again, problem goes away. Can not believe I paid for a land line all those years!
by am
Tue Jul 01, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 3804

Re: Driveway crack question

Is the condition such that one or more of the sections could be "floated"? Our HOA had sinking and cracking problems with the big sections of concrete surrounding the swimming pool and we opted to have the necessary sections "floated" and then the whole deck was resurfaced. What...
by am
Sun Jun 29, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1181

Re: Driveway crack question

Yes we know that :) . But 20k or something like that for a stone driveway seems very non boglehead. 20k would be about 3% of the value of the house and probably would not raise the value.
by am
Sun Jun 29, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1181

Re: Driveway crack question

Not a tripping issue, mostly a cosmetic issue. We have a house which we renovated in the last 5 years. The crack is an eyesore since we see it each time we open the front door. We filled it in in the past with filler but that lasted about a year and was gray colored coming no where near the color of...
by am
Sun Jun 29, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1181

Driveway crack question

We have a 30 year old concrete driveway which is in decent shape other than a crack with step off by the part by our front door which extends across 2 slabs. Seems like it would be a good idea to address this problem as part of regular mantenance and for resale purposes. Our options are: To do nothi...
by am
Sun Jun 29, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1181

Re: I'm livid -- Disability insurance dishonesty

Looks to me like that's a Principal policy! My wife and I have our disability policies with them as well, and yes, the Mental/Nervous Disorder limitation is the 10% discount, multi-life is 20% (which was the discount received for my residency program affiliation). The mental/nervous disorder limita...
by am
Sat Jun 28, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm livid -- Disability insurance dishonesty
Replies: 11
Views: 3138

Re: Would you change stock allocation based on market condit

So when valuations are high, do you increase stock exposure to account for lower expecred returns or lower stocks because of possible crash? I am not convinced that high valuations can be applied in a practical way. Seems like some think high valuations= imminent stock crash but do not think this is...
by am
Mon Jun 23, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1823

Re: Would you change stock allocation based on market condit

How about if PE 10 gets to 50 or we reach Japan level valuations before the crash? Do we just stick to the plan or do something?
by am
Sun Jun 22, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1823

Would you change stock allocation based on market conditions

Just wondering if a true Boglehead should ever change their allocation based on market conditions instead of their need, want and ability to take risk? I heard Bogle reduced stock exposure in 99'. Should we be looking out for some trigger point to change our stock allocation?
by am
Sun Jun 22, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1823

Re: I Bonds 5.27% interest

I have a hard time getting excited about I bonds. Guess it may be a decent choice amongst all the bad riskless investments.

Here is an article from white coat investor http://whitecoatinvestor.com/series-i-b ... t-for-you/ that also questions "investing" in them.
by am
Sun Jun 22, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3797

Re: Tax Exempt Bond Fund as Emergency Fund?

Tier your emergency fund. I use checking account--> FDIC savings account and CDs--> int muni TE. The int muni serves as a 3rd tier EM fund but also part of my allocation for new investment money every month. Think it would be a long shot to run through first two tiers. So I take a little risk for th...
by am
Sat Jun 21, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund as Emergency Fund?
Replies: 8
Views: 688

Re: "5 myths and misconceptions about indexing"

Will there always be enough active investors to make us indexers continue to ride the wave? Seems like indexing is getting more popular with institutions and small retail investors. Tons of books advocating indexing. Even finance guys I know who sell products tell me I am on the right track when I t...
by am
Wed Jun 11, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: "5 myths and misconceptions about indexing"
Replies: 6
Views: 1772

Re: High P/E = high future returns?

When will you get back in? There are so many possibilities like a crash that happens next month or 8 years later, low returns for the next 18 years, high returns for an additional 4 years followed by ___, PE remaining between 35-45 for X number of years, etc.
by am
Sun Jun 08, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1501

Re: High P/E = high future returns?

What are you going to do when PE 10 is 40? What else is there to buy that will give you reasonable growth? Didnt the Vanaguard tactical allocation funds switch to fixed percentages now? Valuations matter but how are they actionable?
by am
Sun Jun 08, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1501

Re: High P/E = high future returns?

Interesting post. Valuations matter but only to give a range of expected returns, and only based on past data. That is why the boglehead principle of staying the course is so critical. I often have an urge to do something to increase returns like fiddle with portfolio, reduce stocks exposure in resp...
by am
Sun Jun 08, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1501

Re: Expense ratio? How much difference does it make?

Does ER matter for asset classes that have no low cost investment options like frontier markets or commodity futures? There is no comparison you can make to something cheaper wt Vanguard. The returns you get is as good as you will do.
by am
Sat Jun 07, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1838

Re: Future PenFed CD rates

Can someone explain what determines CD rates at a particular bank? Where do banks get funds to pay the interest on CDs? What do banks do with the money they get from investors for cds? Thanks,
by am
Thu Jun 05, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Future PenFed CD rates
Replies: 9
Views: 1534

Re: Which is superior? Slice & Dice or [Total Market]?

I am a 3 funder for most of the last 7 years or so. I used to fiddle a lot with slices and dices when I started but no longer do this. I have conceded the fact that slice and dice, value/factor tilts will likely be the winner over my lifetime. But for me, the 3 funder is good enough and easy. I am m...
by am
Thu Jun 05, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Which is superior? Slice & Dice or [Total Market]?
Replies: 48
Views: 3823

Re: Where to Put Emergency Fund?

My emergency fund is not for car repairs, roof etc. it is mostly for job loss. Therefore I keep a large one because market is poor for my field, I do not want to move, I do not want to take anything that comes my way. I have about 1.5-2 years in CDs at Ally, + AMEX personal saving. I also have a tax...
by am
Tue Jun 03, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to Put Emergency Fund?
Replies: 18
Views: 1940

Re: Half Milestone Hit!

For high income accumulators at 500k portfolio, yearly investments still play a big role in growth. When you hit 1 mil or so than returns matter more. Lose 20% of 500k than down to 400k but 60k yearly contribution gets you to 460k. With 1 mil, you lose 20%, down to 800k with 60k contribution gets yo...
by am
Tue Jun 03, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2602

Re: Half Milestone Hit!

Congrats! Bogleheads are deinitely a succesful bunch in terms of wealth accumulation. Only a young boglehead would ever say that accumulating 500k is not a big deal. For the average person out there, that is way more wealth than they will accumulate in a lifetime! This website can really skew your r...
by am
Tue Jun 03, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2602

Fitness tracker recommendation

Anyone use a fitness tracker or pedometer that they like and is accurate throughout the day? The cheaper the better, preferably less than 100 dollars. Also am not a big fan of wearing a bracelet so something small that can clip on or fit into a pocket. Thanks.
by am
Mon Jun 02, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Fitness tracker recommendation
Replies: 12
Views: 1022
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