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Re: Has anyone ever voluntarily downsized their job?

I am thinking about it. I am a MD radiologist with 9-10 hour days glued to a chair + 1 hr commute. Volume quotas, constant interruptions, calls til 11 pm every 7th day and 3-4 th weekend with even higher workload. Have 8 weeks off but this does not help with stress and unhealthy lifestyle when I am ...
by am
Sun Mar 01, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 2696

Re: International PE10 Update

kind of surprised to see so many threads on here about chasing hot assets and dropping cool ones over the years. I can only imagine what the unsophisticated investor does...
by am
Sat Feb 28, 2015 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: International PE10 Update
Replies: 28
Views: 2526

Re: HSA: spend or invest?

If you pay out of pocket for medical costs and save HSA money for the future, are you not essentially overpaying for services by your bracket? I am sure that at some point I will go from 33% bracket to less. Does it make more sense for me to use my HSA funds for medical expenses?
by am
Sat Feb 28, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 20
Views: 1898

Re: Vanguard brokerage tax forms changed to late Feb. questi

It is one thing to promise the forms relatively late but changing the promised delivery to late Feb is what gets me upset. Now I hesitate to reschedule my appointment because what if promise changes to early March. This makes it very difficult for busy professionals with a tight schedule. Next year ...
by am
Sat Feb 14, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 90
Views: 6099

Vanguard brokerage tax forms changed to late Feb. question

Vanguard has changed the 1099 brokerage tax forms availability from mid to late Feb. I have an appointment with my accountant to do personal and business taxes next Sun 2/22. Accountant is real busy and he may not have any openings available in March. Are these forms essential or can I still go in w...
by am
Sat Feb 14, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 90
Views: 6099

Re: College savings costs / number

Agree that current tuition inflation is not sustainable and will reach a breaking point. This is especially true for non top tier schools. The value is not there for most kids at most schools. And nothing wrong or suboptimal going to a public university particularly if other choices are non IVY, MIT...
by am
Thu Feb 12, 2015 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6379

Re: Bogglehead Career Advice

MD here. Given you are personable and like dealing with people, I think being a physician assistant may be something you would want to look into. Much less cost and time than being a physician, many specialties to choose from, better hours, much less liability, strong demand, pay is not too far off ...
by am
Thu Feb 12, 2015 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2823

Re: My co. is switching HSA providers; Is HSA Bank best?

You can do HSA transfers between custodians multiple times each year. Roll overs where you get a check in hand to send to the new custodian can only be done once.
by am
Mon Feb 09, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1151

Re: Paying off $1 million house in 10 years

I vote for buying a more affordable house with lower taxes, lower upkeep and lower utilities. I read that 90% of millionaires live in houses that cost less than 1 million.
by am
Sun Feb 01, 2015 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3067

Re: Mistake on W2 question

I just tell my employer to withdraw a percentage each pay period which leads to 17500k over 26 pay periods. Is it not their responsibility than to make sure that I reach the max for the year and have my W2 say 17500k. Seems to me like it is their mistake.
by am
Sat Jan 31, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 972

Re: Mistake on W2 question

Shouldn't my W2 for the 401k say 17500k for 2014 regardless of when I get paid?
by am
Sat Jan 31, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 972

Re: Mistake on W2 question

I maxed out both 401k and HSA but W2 shows numbers hundreds of dollars below. Thinking they messed it up because we get payed for last week in Dec in January biweekly. Roughly how much is this mistake costing me?
by am
Sat Jan 31, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 972

Mistake on W2 question

My W2 form lists 300 dollars less for 401k and 500 less for HSA than I contributed. Is this worth pursuing (33% bracket)- how much money am I losing? How long will a corrected form take typically for a big organization? We are doing taxes around Feb 24. Thanks.
by am
Sat Jan 31, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 972

Non qualified 457b strategy

I am hesitant to place any money into a 457b plan mainly because it is not protected in case of bankruptcy. Although I do think chances of my employer-large dominant metro hospital going bankrupt are minimal but who knows. I currently max retirement accounts and use a taxable account for additional ...
by am
Wed Jan 28, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non qualified 457b strategy
Replies: 0
Views: 151

Re: Help!!! Dilemma on 457b

How can one assess the stability of a company? Bond ratings? I work for a major top rated health system, university, research center in a major metro which is expanding. Hard to imagine a bankruptcy. I can invest in a non governmental 457b which has excellent investment choices. I would like an earl...
by am
Sun Jan 25, 2015 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help!!! Dilemma on 457b
Replies: 10
Views: 983

Re: Why invest in International funds? It's a mystery

Anyone know what % of international returns are a result of currency fluctuations over the long run? When we invest In international, are we placing a bet against the dollar?
by am
Sun Jan 18, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10730

Re: Why invest in International funds? It's a mystery

Every time an asset class heats up, there are countless threads that turn up. Remember gold, emerging markets, commodities of yesteryear. I just stick to my 3 funder knowing I am sticking to the plan. Although I gotta admit, I am thinking of getting a tiny speculative component to my portfolio but f...
by am
Fri Jan 16, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10730

Re: Is a Sub-4% SWR a Boglehead Quirk?

So retirement is a leap of faith for us relatively affluent Bogleheads who have more than Social security. We do not have enough data from the past and obviously no knowledge about the future to come up with an accuarate withdrawel rate. We do not know our life expectancy nor do we know the quality ...
by am
Tue Jan 13, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10794

Re: Is a Sub-4% SWR a Boglehead Quirk?

Wish I knew my life expectancy and quality of life throughout retirement. Than I could come much closer than knowing the precise SWR. Too bad firecalc does not do this :)
by am
Sun Jan 11, 2015 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10794

Re: Is a Sub-4% SWR a Boglehead Quirk?

They say that death and taxes are the only guarantees. Life is risky. No amount of money or swr will guarantee the retirement you want.
by am
Sat Jan 10, 2015 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10794

Re: Is a Sub-4% SWR a Boglehead Quirk?

Most of us who frequent this site will likely have a retirement with some luxuries which can be cut back if need be. In the worst case, social security in the last years would not be the end of the world.
by am
Sat Jan 10, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10794

Issues with employer contributions to accounts

Have had some problems recently with delays after payroll deduction. Are there guidelines as to how long an employer is allowed to contribute to HSA and 401k accounts? What can be done about this issue?
by am
Thu Jan 08, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issues with employer contributions to accounts
Replies: 6
Views: 779

Re: New Vanguard AMT-free National Municipal Bond Fund

Will check writing be an option with the new etf?
by am
Wed Jan 07, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7118

Re: Taxable account versus 457b

Anyone know what happens to funds if you leave non government employer that has your 457b funds? Is it a taxable distribution automatically or can you keep it there? How about once you retire, how do distributions work? How about checking the credit rating of the health care entity I work at? Is the...
by am
Mon Jan 05, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1607

Re: Taxable account versus 457b

Good point.
by am
Thu Jan 01, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1607

Re: Taxable account versus 457b

Thanks, will stick to taxable and 401k. Is there ever a reason to invest in a non qualified 457b? How about if the credit rating of employer is high or you anticipate being in a much lower bracket at retirement?
by am
Thu Jan 01, 2015 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1607

Taxable account versus 457b

I have the option to invest money in a non qualified 457b this year for a large healthcare organization. Hard to imagine bankruptcy but you never know. Would it be better to continue investing in taxable instead?
by am
Wed Dec 31, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1607

Brokerage option for 401k question

I have a new 401k which offers a brokerage option through Fidelity. Anyone know if fund minimums apply for the Spartan funds? Seems like it would take me a while to get enough money to build a 3 funder this way. Vanguard funds are 75 dollars a transaction and ETFs have trading fees. There are severa...
by am
Thu Dec 18, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage option for 401k question
Replies: 1
Views: 267

Re: What is your opinion about "tilting?"

While tilting probably will lead to higher returns, I am still a 3 funder. I like the simplicty, tax efficiency, low expenses, lack of tracking regret, and knowledge that my heirs will likely be able to carry on. I also like that my 3 funder (with TBM in IRA and int. muni in taxable) can be allocate...
by am
Sun Dec 14, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9468

Re: Tax loss harvesting total int. etf (vxus)

Do you know what the % are for veu and vss?
by am
Sat Dec 13, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting total int. etf (vxus)
Replies: 5
Views: 576

Tax loss harvesting total int. etf (vxus)

I have a tax loss harvest opportunity with vxus. What funds would be good to exchange at VAnguard and maintain a similar allocation?

Also, with the 3k I can harvest, at the 33% bracket this is like getting 1k assuming no gains?
by am
Sat Dec 13, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting total int. etf (vxus)
Replies: 5
Views: 576

Re: Should 529s be counted part of our net worth?

No, I do not use 529 in asset allocation. Networth yes. Perhaps one of my kids will not go to college for whatever reason or we get an inheritance or they get a scholarship, etc. 529 assets will then be used for retirement minus small penalties for gains. One more thing. You can use 529 money in eme...
by am
Sat Nov 29, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2611

Re: Should 529s be counted part of our net worth?

Calculating networth is a great way to see where you are In terms of accumulating wealth. Paid off house and 529s account for a big chunk of my assets. I can use house equity and 529s for retirement albeit with penalties and interest. It is used in my networth calculations.
by am
Fri Nov 28, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2611

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I registered my AMEX blue card and Fidelity AMEX. Hope it works for both. Does this mean I can do two 10 dollar transactions (one for each AMEX) at 3 separate businesses and get a free 60 dollars?
by am
Fri Nov 28, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8409

Re: Safe Withdrawal Rates - Is the 4% rule still good?

Typical educated affleunt Boglehead retiree can always cut back on discretionary items or get a part time job if need be. The 4% rule is close enough.
by am
Thu Nov 27, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 8140

Re: Best 529 Plan

Illinois has low cost <.2 ER index based options with Vanguard funds. Illinois residents get to deduct up to 20k from state taxes worth 1k.
by am
Thu Nov 27, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 529 Plan
Replies: 15
Views: 1817

Re: Bogleheads, tell me about your 40's?

Early 40s. So far, more of a realization that time is finite and gaining more of it for personal use is becoming more important. This is especially true since so many bad things can happen to us especially as we get older. Thankfully, I found the Bogleheads in 2007 and with the great market we have ...
by am
Thu Nov 27, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 20184

Re: If your networth is over $3 million, how did you do it?

It's all about balance and being frugal. There is always the risk that you will not enjoy savings as above poster states due to early death. There is also the risk that it will not be as good as you think when you get to financial freedom and/or retirement. Better to maximize current enjoyment as th...
by am
Wed Nov 26, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 49981

401k self directed brokerage option

This will be an option in my Fidelity 401K next year but no details have been put forth yet. Does this option allow one to invest in Vanguard Mutual funds or ETFs? If so, are there usually extra fees involved for using this option. The fund options in my 401k are not good except for Spartan 500 index.
by am
Wed Nov 26, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage option
Replies: 5
Views: 315

Re: How did you handle the 2008 bear market ?

Exciting time, very early accumulator with high income. 2012 650k house paid off in full :happy But a bit too early.
by am
Tue Nov 25, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7506

Re: Safe Withdrawal Rates - Is the 4% rule still good?

It will work because most of us will not live 30 years in retirement, and if we do than we will make do with what we have like millions of non sophisticated/Boglehead retirees.
by am
Tue Nov 25, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 8140

Re: Shiller CAPE 10 — Why So High These Days?

Events can occur to cause a stock market to drop significantly during high and low PE 10 or stay sideways. Not sure a PE 10 on its own means anything, just when High PE 10, bad unexpected events will have a greater impact.
by am
Tue Nov 25, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller CAPE 10 — Why So High These Days?
Replies: 38
Views: 3588

Re: Update on the ascent of CAPE

The PE 10 May not be as high as it seems. I think Larry has commented on this before. Not to mention that it is not actionable and has low correlation with future returns. Stay the course.
by am
Sat Nov 22, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Update on the ascent of CAPE
Replies: 19
Views: 1576

Re: Boglehead family vacations

8 and 10 years old.
by am
Tue Nov 11, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4349

Boglehead family vacations

Any recommendations for a planned spring break vacation for 5-7 days with 2 kids? We looked at club med in Florida and Disney cruise and they are real expensive 8-10k (with airfare).
by am
Tue Nov 11, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4349

Re: International Stock Index Potential

Total international has better expected return than total US. There are countries in there with PEs in the single digits. If conditions in foreign lands is better than expected (not great), than strong returns should follow. I am in low 40% for international and would go higher if I could,
by am
Fri Nov 07, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 23
Views: 3207

Re: Job advice - academic physician career move?

In some specialties, going from academics to private practice or from a popular congested area to an undesirable area can lead to a doubling or more of salary.
by am
Tue Nov 04, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 3709

Re: Job advice - academic physician career move?

Not sure why you would move? Your post makes it seem like there are few upsides. If you are a rad, than you are lucky to have options given the state of the field currently. You also know that you will likely be trading one set of negatives for another (perhaps worse).
by am
Tue Nov 04, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 3709

Re: What's worrying Vanguard's CEO

I respect his opinion but I am not sure why we place any weight on predictions being bogleheads? We have all seen how wrong these can be even from prize winning economists.
by am
Mon Nov 03, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: What's worrying Vanguard's CEO
Replies: 14
Views: 2812

Re: Vanguard Precious Metals and Mining Fund (VGPMX)

Why not etf GREK if you are itching to be a contrarian? With a country PE of 3, how could you go wrong? :wink:
by am
Mon Nov 03, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund (VGPMX)
Replies: 6
Views: 963
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