Search found 1711 matches

by am
Sat Jul 25, 2015 12:46 pm
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 13
Views: 1614

Re: Substitutes for WSJ Personal Finance and Investing Article

That personal finance section was the best and most useful part of the weekend paper. Now with it gone, I have to reconsider my subscription since so much of the other news can be had for free on the Internet. Why mess with a good thing?
by am
Tue Jul 21, 2015 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should we use 457?
Replies: 12
Views: 866

Re: Should we use 457?

I researched the financial health of my large organization and felt that the risk of failure was minuscule. Much lower than the risk of a large permanent stock market decline or being sued above my policy limits (457s are protected at least in my state). So I use it but invest less than the max most...
by am
Mon Jul 20, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is this unethical behavior by employer (job question)
Replies: 14
Views: 1794

Re: Is this unethical behavior by employer (job question)

Seems like the situation is not salvageable. Talking to administration is probably not an option since they do not want this doctor to know what they attempted to do. Fortunately he has time to look in a tough competitive market. New job will be worse commute and after years of practice, it may be t...
by am
Mon Jul 20, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is this unethical behavior by employer (job question)
Replies: 14
Views: 1794

Re: Is this unethical behavior by employer (job question)

Without much detail to go on, I'd say it doesn't sound like anything unethical or outrageous is going on. Perhaps those of us the medical world are not used to this. Maybe it will be/become the norm as more physicians are employed. Also as far as working harder he does. He does not want to race thr...
by am
Mon Jul 20, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is this unethical behavior by employer (job question)
Replies: 14
Views: 1794

Is this unethical behavior by employer (job question)

My friend's employer tried to replace him (employed physician) after 9 years right before his contract was due for renewal behind his back. He found out through a close friend in administration. There was no talk of major performance issues or bad performance reviews. His productivity was on the low...
by am
Sun Jul 19, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 69
Views: 7087

Re: Jack Bogle in this Month's Money Magazine

Do valuations not matter? Didn't Bogle shift allocations during the late 90s? Seems to me like valuations matter and foreign is looking much better. Not sure why we should form any conclusions from 10-20 years of performance. Hope non of you guys are small value filter cuz it seems like you will aba...
by am
Sun Jul 19, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: How do you allocate assets in an HSA (if you don't know when you'll need the money)
Replies: 20
Views: 971

Re: How do you allocate assets in an HSA (if you don't know when you'll need the money)

I keep the yearly deductible in cash and the rest in a 50% stock 50% bond mix. My overall portfolio is 70 /30 stocks. This makes me comfortable. Hsa is a tiny % of assets.
by am
Sat Jul 18, 2015 10:00 pm
Forum: Investing - Theory, News & General
Topic: Frontier Markets - 5% of portfolio?
Replies: 51
Views: 3226

Re: Frontier Markets - 5% of portfolio?

are there any markets that are not in developed, emerging or frontier? Are there any countries that are "below" fromtier level? Just curious.
by am
Fri Jul 03, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber Kindle Books - Free!
Replies: 14
Views: 2390

Re: Meb Faber Kindle Books - Free!

Got all 3, thanks! Quick reads.

Anyone investing in beaten down countries with low PE 10 like he suggests? Is there an ETF that utilizes this strategy? He makes it seem like we are doomed to low returns from here on out in the U.S.
by am
Fri Jul 03, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9159

Re: What age did you become debt free and what opportunities did it create?

I have no debt. If I did, even 2.875 mortgage would be unacceptable. Sure it is low compared to possible future returns, but if you have a mortgage in the hundred of thousands, you are still giving away thousands every year to a bank for the sole purpose of giving you a loan. If you do not need the ...
by am
Mon Jun 29, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Is there a good basic investing book for an 11 year old girl?
Replies: 13
Views: 853

Is there a good basic investing book for an 11 year old girl?

My daughter has some interest in markets and would like to invest some of her money. I would like her to read a book with boglehead principles before she does. Thanks.
by am
Sat Jun 27, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 1846

Re: Questions about brick paver driveway

Concrete is not much cheaper and the material is less than ideal because of its tendency to crack. That is one of the reasons we are considering pavers which have problems of their own. Our driveway is infrequently used- no parked cars and a couple drive throughs a day. The cost with the most reputa...
by am
Wed Jun 24, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 1846

Questions about brick paver driveway

We have a 1500 square foot driveway which is concrete and needs to be replaced. Concrete estimates are typically 10-12k and brick pavers using unilock bricks is 16.5k-20k for most reputable. We placed an ad on Craig's list to see if we could do better and got a quote for 9.5k for brickpavers from Ho...
by am
Sat Jun 20, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 6077

Wsj article today on reit investing

Did anyone read the article where Ferri and Bernstein are quoted. Kind of makes my want to fiddle with my 3 funder and add 5-10% reits? Anyone else?
by am
Mon Jun 01, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 12326

Re: Your opinion on realistic income to live in a $1 million home?

Coming on here to ask bogleheads about buying million dollar houses falls in the same camp as buying whole life insurance, investing in individual stocks and market timing. I am sure that there are forums out there that are more typical of indebted low networth America which would root you on. Some ...
by am
Mon Jun 01, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 12326

Re: Your opinion on realistic income to live in a $1 million home?

It is one thing to buy a 1 mil house because you in a HCOL area like San Fran. and there are few options otherwise for a safe neighberhood with good schools. It is completely different if you can get this same house for 500k in an area but choose to go 1 mil+ for no real practical reason.
by am
Sun May 31, 2015 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 12326

Re: Your opinion on realistic income to live in a $1 million home?

1 mil home comes with increased property taxes, maintenance, furnishings, more expensive fixes and remodels, more difficulty selling (if not in Calif. or other HCOL area), etc. Additionally, you will save less, retire later, pay more interest to the bank for your mortgage, have less for vacations an...
by am
Sun May 31, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Emerging market bonds?
Replies: 5
Views: 547

Emerging market bonds?

Anyone use these in their portfolio? Where do these types of bonds fit into a portfolio if any? I use total bond market for my allocation but given the current expected returns, makes me consider a small allocation perhaps 10-15% to these types of bonds. Developed foreign bonds are even less attract...
by am
Fri May 29, 2015 10:18 pm
Forum: Investing - Theory, News & General
Topic: Forget BND. Here's another idea...
Replies: 39
Views: 4938

Re: Forget BND. Here's another idea...

I use bonds for safety. Seems to me that 40% of your bond allocation will have equity behavior - EM bonds and dividend equities. Why not take risk on the equity side?
by am
Fri May 29, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 13
Views: 1607

Re: Bogleheads and international bonds

I do not use international bonds. I am not sure why I would want to diversify my anchor or safe assets, when you can't do much better than the U.S. Bonds in terms of safety and liquidity.
by am
Thu May 28, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5707

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Sure valuations at the 90th percentile but have we ever had this in an environment of 0% short term rates, low inflation, low growth environment? Past performance does not predict future returns.
by am
Wed May 27, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: BMW needs new tires
Replies: 24
Views: 2230

BMW needs new tires

I have an 07 3 series which needs new tires. Does anyone know where to get a good deal on the run flat tires? Do you think the dealership has competitive pricing for these usually? Thanks.
by am
Wed May 27, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Dollar ETF
Replies: 6
Views: 386

Re: Investing in Dollar ETF

Here at bogleheads we set an allocation based on our risk profile and goals and then rebalance to maintain it. Typically this is some percentage of stocks and bonds. We do not invest because we think something will keep going up. We typically do not invest in dollar etfs because this is speculative ...
by am
Wed May 27, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: SERP retirement account [Supplemental Executive Retirement Plan]
Replies: 11
Views: 800

Re: SERP retirement account [Supplemental Executive Retirement Plan]

Usually money is held in a rabbi trust which protects the money from all but bankruptcy. Even then, a judge may decide to give you something on the dollar. I would look at the plan summary description. Additionally, if you are working for a nationally known hospital system or other strong company, c...
by am
Wed May 27, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2623

Re: Net Worth

Pension can be counted if you have left your employer and can roll it over to an IRA instead of waiting for the annuity. You can do this with Illinois pension.
by am
Mon May 25, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Commodity futures?
Replies: 3
Views: 447

Commodity futures?

Have not seen much discussion recently. Given the lows, anyone thinking of adding them? Seems like one of the few assets which does not seem overpriced?
by am
Thu May 21, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: The end of the nest egg
Replies: 30
Views: 7795

Re: The end of the nest egg

I have never seen a post from a retiree saying that they are in trouble and running out of money on bogleheads. Perhaps those that hang out on this forum are a self selecting bunch. But I think that those of us who obsess over retirement on here have little to no chance of a failed retirement assumi...
by am
Mon May 18, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 2050

Re: Cautionary tale regarding 401(k) rollover to IRA

Thanks. Something I would not expect. Entire process should be done electronically in my opinion.
by am
Mon May 18, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: MDs--Academics or Private Practice?
Replies: 25
Views: 2542

Re: MDs--Academics or Private Practice?

In my field of radiology, private groups are disappearing and consolidating at an alarming rate. The field has become commoditized as I am sure many others are also headed. Being an employee is undesirable as I have been in both situations. As an employee, you are at the mercy of non physician bean ...
by am
Sun May 17, 2015 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Dodge and cox foreign-anyone use it?
Replies: 11
Views: 1259

Dodge and cox foreign-anyone use it?

This is the only reasonable foreign option in one of my retirement plans at er of .65. Turnover is low. Fund holds about 94 stocks. Performance has been good beating its benchmark. Another option I have it to simply overweight vanguard total international in my taxable account and have no foreign in...
by am
Sun May 17, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Question about unemployment
Replies: 1
Views: 466

Question about unemployment

Is someone who is a W2 employee on contract eligible for unemployment if their contract is not renewed? Does it matter if a specific reason for non renewal is given or not? Does anyone know if the unemployment process is all online these days or does it still require visits to an office? How does th...
by am
Sat May 16, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lightbulb went off around Asset Allocation
Replies: 15
Views: 2148

Re: Lightbulb went off around Asset Allocation

This is how I always thought about it but not so much in absolute numbers but % of goal. When I reach 50% goal my bond allocation will go up. Same with 75% and so on. Right now I am at about 30% goal and 30% bonds. It hurts much more to take a 50% loss when you get closer to your goal and the portfo...
by am
Mon May 11, 2015 6:40 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 7680

Re: International - Who really is at 40%

I was at 40% or so long before "experts" recommended more foreign. Now I guess I am where I need to be :)
by am
Mon May 11, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 717

Re: Fidelity asset levels question

Yes I will stick with VAnguard. Was thinking of transferring IRA assets there where 401k is to do backdoor Roths. Probably not worth it at this time.
by am
Mon May 11, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 492

Re: Net versus gross expense ratio for fidelity fund question

So if it is an employer 401k than am I paying the full amount? Under the fund tab on their website they have a gross and net expense. Hope I am paying the lower of the two.
by am
Mon May 11, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 717

Re: Fidelity asset levels question

Thanks but I was asking about Fidelity.
by am
Mon May 11, 2015 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 717

Fidelity asset levels question

Does Fidelity have tiers of investment assets like Vanguard (voyager, flagship etc)? What are the perks if any? I could not find anything on their site.
by am
Mon May 11, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 492

Net versus gross expense ratio for fidelity fund question

I own FSGUX Spartan ex us index fund investor class with a gross expense ratio as of 12/31/2014 of .34 and net ratio of .22. On my Vanguard outside accounts section expense ratio is listed as .34. Which one am I paying and if it is the lower, is this an error on the Vanguard page?
by am
Mon May 11, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA opinion wanted
Replies: 5
Views: 387

Re: Back door Roth IRA opinion wanted

Investments in 401k are comparable to Vanguard index funds. Age is early 40s.
by am
Mon May 11, 2015 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA opinion wanted
Replies: 5
Views: 387

Back door Roth IRA opinion wanted

I would like to place 10k a year into a Roth IRA for wife and myself. Problem is that income is at 33% bracket and I have about 300k in Vanguard IRAs. I am maxing out all other tax deferred vehicles, 529, HSA, including placing some money into a non gov 457b. To open a Roth, I would have to transfer...
by am
Mon May 04, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Re: Who uses non gov 457b and why?

Does anyone know how assets are distributed in bankruptcy? Does a judge determine who gets what? I remember reading that 457b account holders are last in line, but can not find the source. Also, how does it work when there is change in ownership, leadership or tax status from exempt to non exempt? H...
by am
Sun May 03, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: non-governmental 457b vs. taxable account
Replies: 16
Views: 1664

Re: non-governmental 457b vs. taxable account

Many plans let you get distributions over years. This may make the tax bite less. As far as risks, agree with neurosphere. Depends, no right answer. I used to be worried about my nationally known university hospital going bankrupt. But now I am probably going to invest about 5k each year (number wif...
by am
Sun May 03, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Re: Who uses non gov 457b and why?

How many nationally known university hospitals have closed/gone bankrupt over time? I am not aware of any but have not researched extensively. Anyone know cases where 457b were lost to creditors? I would think that most, maybe not all, university hospitals are governmental rather than non-governmen...
by am
Sun May 03, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Re: Who uses non gov 457b and why?

Is bond rating for a university hospital a good gauge of creditor risk? How many nationally known university hospitals have closed/gone bankrupt over time? I am not aware of any but have not researched extensively. Anyone know cases where 457b were lost to creditors? I feel like this risk is overblo...
by am
Sun May 03, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Re: Who uses non gov 457b and why?

Another concern I have is that if not close to retirement age say <50, if you switch jobs, you will be given distributions potentially at the same or higher bracket. This is another losing scenario for me. But otherwise I would be investing with a AA rated institution according to Moody. Market risk...
by am
Sun May 03, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Re: Who uses non gov 457b and why?

I have seen private 457 plans that were not in fact backed by the big name institution, but by a sub fund which was more vulnerable. Generally is there one 457b for an entire university and hospital- say Yale and Harvard or other big name, or are there separate 457b for each? I can see a university...
by am
Sat May 02, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1900

Who uses non gov 457b and why?

Seems like there are so many negatives. I am curious to see if any bogleheads use this plan and why? Or is this plan nearly always discouraged by bogleheads?
by am
Sat May 02, 2015 8:58 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 3650

Re: Forum is now back ONLINE!

I can't post a poll. Can someone tell me where to find this feature?
by am
Sat May 02, 2015 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: non-governmental 457b vs. taxable account
Replies: 16
Views: 1664

Re: non-governmental 457b vs. taxable account

For doctors, one additional consideration is that the funds in a 457b may be protected from your creditors in the event of a settlement exceeding your limits.
by am
Thu Apr 30, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: ETF versus Funds
Replies: 32
Views: 2738

Re: ETF versus Funds

I use etfs for my.3 funder but am too deep in to change back to funds. I hate that every 2 weeks I have to transfer the money from my pay check to vanguard MM, make sure the money is available after trade + 3 days. I can never use the full amount I transferred since you can't buy fractional shares o...

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