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Re: Renting vs. Buying a Home

I would discount the poll results, or even delete the poll, as you need to understand the reasons behind each selection. Agree...polls like these reflect a lot of bias (e.g., who chooses to respond, what people think the originator wants to hear, etc.) I think the debate reflects what you already k...
by ekphora
Sun Mar 16, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting vs. Buying a Home
Replies: 15
Views: 1566

Re: Warning about P2P Lending [Peer-to-Peer]

There are a lot of factors that play a role in p2p lending and those who are getting 8-10% returns once notes are seasoned. Yes, institutional investors have changed the way retail investors have to invest and auto-invest is becoming a requirement as time goes on. (see http://peersociallending.com/...
by ekphora
Wed Feb 19, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Warning about P2P Lending [Peer-to-Peer]
Replies: 42
Views: 5599

Re: harvard med school vs. penn med+full tuition scholarship

That being said, I will absolutely reach out to the financial aid office at HMS and see if they can reconsider my aid package. They emphasized during the financial aid talk that they do not give out merit scholarships, but it's worth a shot! You can try, but expect that they probably won't care. As...
by ekphora
Wed Apr 17, 2013 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10561

Re: Which Med school?

Thanks for an alternate perspective. Go for the cheapest one is the traditional advise on this board and almost always works well. But this situation might be one where I would at least consider deviating from standard practice. She has had an opportunity to meet and talk with Dr Farmer and was ver...
by ekphora
Fri Mar 01, 2013 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12563

Re: Which Med school?

Go to the cheapest med school available (that is in the US and is accredited). She has great applicant statistics. No one will care where she went to school after she has been practicing medicine for 1 year. As someone who took the other path of going to an expensive private school (Harvard Med in ...
by ekphora
Thu Feb 28, 2013 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12563

Re: Portfolio review - 35 year old trying to take control

I prefer Vanguard to Fidelity, but given the backdoor Roth IRA issue, I would choose Fidelity. Got it - that definitely makes sense. There's no need to "deal" with the current adviser unless he has some sort of contract that would allow blocking a move. Initiate transfers from the receivi...
by ekphora
Sun Feb 10, 2013 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 35 year old trying to take control
Replies: 8
Views: 1547

Re: Portfolio review - 35 year old trying to take control

Will she be presumably managing these investments going forward? If she doesn't have strong financial literacy and interest in active management of her portfolio, I don't think a tilted portfolio is a good idea. Better to move to a 3-fund solution or even target date portfolios. Target fund or 3 fu...
by ekphora
Fri Feb 08, 2013 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 35 year old trying to take control
Replies: 8
Views: 1547

Portfolio review - 35 year old trying to take control

Dear BH community – Helping a good friend get control of her finances. Would love your collective wisdom and guidance on the following: Overview Emergency funds: 8 months Debt: $62k @ 2.63% Tax Filing Status: Single Tax Rate: 28% Federal; ~10% NYC tax State of Residence: NYC (Manhattan) Age: 35 Desi...
by ekphora
Thu Feb 07, 2013 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 35 year old trying to take control
Replies: 8
Views: 1547

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1710.53
by ekphora
Thu Jan 03, 2013 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15409

Re: Tax gain harvesting in high tax bracket

Thanks a ton for the guidance - livesoft / Wagnerjb - Great points...in particular, I have not been donating shares, but that makes a ton of sense on a go forward basis. I checked in with a couple charities yesterday that I donate to and turns out they take shares (even though they don't make mentio...
by ekphora
Sun Mar 11, 2012 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting in high tax bracket
Replies: 7
Views: 611

Tax gain harvesting in high tax bracket

All- Looking for some guidance on tax gain harvesting. I have approximately $100k in taxable unrealized gains in Vanguard ETFs from the past year (due largely to some TLH I did in 2010) and have been considering the idea of resetting my cost base before the LTCG rate goes up. Expected to be in the 3...
by ekphora
Sat Mar 10, 2012 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting in high tax bracket
Replies: 7
Views: 611

statsguy wrote:ek... I find ekphora an odd choice of username and wonder if you are Greek. If you are...

Θα έχετε καλές συμβουλές εδώ.

Καλή τύχη
Στατιστικά

You whould get good advice here.

Best of luck
Stats


Thanks Stats - not Greek, but a fan of the classics. Appreciate the note...

ek
by ekphora
Wed Feb 02, 2011 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

When I initially bought VEA/VWO in late 2008 I hear you, I also ended up with a VEA/VWO combo in taxable due to tax loss harvesting. I would have preferred something like VEU, but that's just where the alternating left me. And I have semi-rebalanced by putting contributions into VEU while VWO has t...
by ekphora
Tue Feb 01, 2011 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

You have to be mindful of expense ratios: move to NJ and keep an extra 4% of your income. heh - indeed. we do this assessment every year and continue to valuate the option to stay in nyc greater than 7% of our total earnings (which reflects our cost of living differences as well). Not to say this w...
by ekphora
Thu Jan 27, 2011 5:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

An observation: it appears that you're relying on high expected future income to balance (or at least accept) the risk of "swinging for the fences" with your portfolio. This is fine, assuming the choice is a considered one, however before moving forward with additional investments, it may...
by ekphora
Thu Jan 27, 2011 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

Given your tax bracket, muni bonds make a lot of sense. Sure, there's the current scare over munis... but they still make a lot of sense tax-wise. Another screwball option would be I-bonds. Sure, doing $5k paper and $5k electronic, (per person) isn't a huge amount of money, but it can build up if d...
by ekphora
Thu Jan 27, 2011 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

Portfolio review - 65% taxable

All- Respectfully request a portfolio review… Overview High willingness to take risk – expect to contribute for many years Emergency funds > 6 months of expenses Debt: $90k @ 1.75% (Medical School); $10k @ 3% (Law School – currently being repaid by the federal government) Tax Filing Status: MFJ Tax ...
by ekphora
Wed Jan 26, 2011 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - 65% taxable
Replies: 10
Views: 1853

Interesting update - I think most of the "new" functionality is online now. My biggest disappointment (compared to other online brokerages) is the lack of real-time tax implications. Beyond the realized gains/losses tab/download, I don't see anything more in-depth (e.g., includes dividends...
by ekphora
Mon Jan 17, 2011 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone like the new Wells Trade interface?
Replies: 115
Views: 12278

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