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Re: Help Make a Doctor: Choosing Funding Sources (Inherited

Thanks, letsgobobby. The preference for simplicity does seem to make a lot of sense. With all the discussions on our forums about CD ladders vs. total bond funds, I was concerned that I may be missing something important, especially regarding my specific financial objectives. I really appreciate the...
by dx41
Mon Feb 03, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Help Make a Doctor: Choosing Funding Sources (Inherited

Additional reading on the forums regarding the subject of CD ladders vs. a bond fund for my intended medical school assets has me less certain now about my bond fund strategy. Kevin M and TFB seem to make strong cases for a CD ladder, especially for preserving principle, whereas many of nisiprius's ...
by dx41
Fri Jan 31, 2014 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Help Make a Doctor: Choosing Funding Sources (Inherited

Holding Bonds in Taxable Out of Necessity I hope that this message finds you all very well. Since I have run out of tax-advantaged space, I will need to hold bonds in my taxable account. Typically, I have used: - Vanguard Total Bond Mkt Index Adm (VBTLX) [0.10%] - Vanguard Inflation-Protect Sec Adm...
by dx41
Thu Jan 30, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Bay area Public vs Private School

Thanks for the feedback. I think those are excellent points to consider. I was just sharing the information I had come across, in the event it would be helpful. I hope our discussion helps anyone encountering this thread looking to make decisions about school choice, including the OP. Please have a ...
by dx41
Mon Jan 27, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 5196

Re: Help Make a Doctor: Choosing Funding Sources (Inherited

Thanks for the feedback, especially about the value of compounding and how risk tolerance can play a significant role in that. I do apologize for the detailed post. I had wanted to better explain the basis of my rationale, and methodically walking through my reasoning seemed like a way to do that. U...
by dx41
Mon Jan 27, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Help Make a Doctor: Choosing Funding Sources (Inherited

There is also this great discussion on CD ladders vs. bonds, for anyone in a similar situation: http://www.bogleheads.org/forum/viewtopic.php?p=1680145#p1680145 It seems like the differences between the two may be relatively minor, and it comes down to personal preference. Please have a fantastic day.
by dx41
Mon Jan 27, 2014 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Help Make a Doctor: Choosing Funding Sources (Inherited

Thanks to all those who have provided feedback. EmergDoc may be referring to Roth conversions on any amounts I can contribute to the employer-side of a Solo 401(k). If he could confirm that, I would sincerely appreciate it. It seems like this conversion would make a lot of sense though, as my tax br...
by dx41
Mon Jan 27, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Bay area Public vs Private School

Thanks for your perspective, lightheir. I would definitely defer to your experience in the medical field. The StudentDoctor forums have presented a much different consensus perspective for medical education, it appears. However, the consensus does seem to agree that networking is a major factor, whi...
by dx41
Sun Jan 26, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 5196

Help Make a Doctor: Choosing Funding Sources (Inherited IRA)

Dear Bogleheads Community, I hope that this message finds you very well. As I continue to make progress toward medical school, I was hoping to gain feedback on my proposed funding plan for how to pay for it responsibly and how to maximize my overall portfolio during the process. Debt: None Tax Filin...
by dx41
Sat Jan 25, 2014 3:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Make a Doctor: Choosing Funding Sources (Inherited IRA)
Replies: 15
Views: 1447

Re: Bay area Public vs Private School

I think the fact that you are so dedicated to maximizing the opportunities for your child to find success in life will be more far important that the school he/she finds him/herself in. There has been a significant amount of research on what leads to success, especially in children. The Greater Good...
by dx41
Mon Jan 20, 2014 4:43 am
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 5196

Re: Solo 401k and Roth IRA contribution interactions

Thanks so much for this thread. The IRS's Retirement Plans FAQs on Designated Roth Accounts seems to confirm the reasoning established in this thread, for anyone looking for more supporting evidence: http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-on-Designated-Roth-Accounts#7 I hope that ...
by dx41
Tue Jan 14, 2014 1:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and Roth IRA contribution interactions
Replies: 13
Views: 911

Re: Inherited House w/ Mortgage. Rental Property?

Thanks so much for the incredible discussion. I am sure your thoughtful posts took some effort, and I thank you very much for being so generous with your time. Goldeneye: I really appreciate the spreadsheet, as it helped significantly in getting a better sense of what real estate investors can use t...
by dx41
Sat Oct 26, 2013 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thanks to rogermexico for the evaluation calculations. They helped me gain a much better sense of how to understand the numbers. The property was purchased in 2002, which would probably explain why the property taxes are so high. The appeal of a home in Cupertino with some of the best schools in the...
by dx41
Thu Oct 24, 2013 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thanks for providing some more excellent feedback, Twins Fan. My main reason for coming to our forum has been to try to keep any emotions or personal biases out this decision, as my relatives' own biases toward real estate seem to be contributing significantly to their advice. Thus, I sincerely appr...
by dx41
Wed Oct 23, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thank you all again for your incredible insight. The time you have taken to evaluate my situation and respond with your educated opinions and experience has helped me a great deal. Thank you very much for helping me make a more informed choice about my situation. I sincerely appreciate the compassio...
by dx41
Fri Sep 06, 2013 4:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

I was also looking at this thread on evaluating rental property, too: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=116251&p=1694029 Cap rate from my calculations using an AARP calculator were: 2.4% (Here is the AARP calculator: http://www.aarp.org/money/investing/investment_property_c...
by dx41
Mon Sep 02, 2013 3:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

To RKatz: We are paying the mortgage, and they are automatically withdrawing the interest-only payment from a trust account we designated when our parent passed away. As trustee of the trust, I pay the second loan directly via a mailed check from the trust account. I have been paying about $100 a mo...
by dx41
Mon Sep 02, 2013 3:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thanks to Watty for the excellent point about mortgage interest deductions. I had done research on this in the past, and I wanted to share my findings in the event anyone can benefit from the information. http://www.taxalmanac.org/index.php/Equitable_or_Beneficial_Ownership " For example, a mot...
by dx41
Mon Sep 02, 2013 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

I just glanced at the computer, and I will need to take time to read through these incredible responses in more detail and respond appropriately. However, I wanted to take a moment to thank you again for the incredible support. I definitely feel more rational in my concern against retaining the prop...
by dx41
Sun Sep 01, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thanks for the additional feedback. Can I ask what so clearly makes this a "sell" situation? My supporters, who know I am familiar with the Bogleheads philosophy, seem to think I am simply suffering from "Boglehead Bias," which they feel is a strong preference for liquid, diverse...
by dx41
Sun Sep 01, 2013 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Inherited House w/ Mortgage. Rental Property?

Thanks so much for the feedback. The rental market for the neighborhood seems to be very strong. According to the 2010 US Census: ~60% of housing is owner-occupied, ~40% is renter-occupied. The homeowner vacancy rate was 0.9%; the rental vacancy rate was 4.8%. Having a rental property is a job unto ...
by dx41
Sun Sep 01, 2013 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Inherited House w/ Mortgage. Rental Property?

My sibling and I have inherited a single family home from our deceased parent. The property currently has a mortgage, but is in what seems to be a very desirable area. We have relatives who work as realtors, and also a number of family friends, who strongly believe it is in our best interest to keep...
by dx41
Sun Sep 01, 2013 2:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Food Costs

I just wanted to chime in about costs and a plant-based diet, based on information I have come across. Here is an interesting discussion for a $4-$6 per day meal plan, complete with a nutritional analysis. http://www.drmcdougall.com/forums/viewtopic.php?t=10519 Also a newsletter discussing a similar...
by dx41
Tue Aug 14, 2012 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Food Costs
Replies: 153
Views: 10560

Re: Portfolio Question: Windfall Inheritance for Students

Thank you, Duckie, for the additional feedback. Concerning mutual funds or ETFs, I currently think that ETFs may be more favorable if we need more money for our expenses than the RMDs, taxable accounts, and additional funds can cover. This is largely due to my belief that the purchase and redemption...
by dx41
Sun May 20, 2012 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Windfall Inheritance for Students
Replies: 6
Views: 987

Re: Portfolio Question: Windfall Inheritance for Students

Thanks to Duckie and FireProof for the feedback so far. I have edited my original post to make some of the information a bit more clear. The positions outside of the Windhaven accounts are how we inherited them. Our benefactor was unfortunately not a Boglehead. I would love to get a more simplified ...
by dx41
Wed May 09, 2012 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Windfall Inheritance for Students
Replies: 6
Views: 987

Portfolio Question: Windfall Inheritance for Students

Dear Bogleheads Community, I hope that this posting finds you very well. As an extremely novice investor, I hope to gain any perspective you may have on my situation. My brother and I recently received a significant inheritance, mostly as inherited IRAs. After wading through the tax implications ass...
by dx41
Mon May 07, 2012 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Windfall Inheritance for Students
Replies: 6
Views: 987

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