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Re: Buy a 30 and 20 term policy at the same time?

I personally like the idea of a 20 and a 30 year term policy. It is what I recommend to young docs fresh out of residency. Ideally you should be at least partially self insured after 20 years. As far as where you should purchase these policies that is a separate issue.
by gasman
Tue Sep 02, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a 30 and 20 term policy at the same time?
Replies: 12
Views: 642

Re: Next phase of minimizing taxes for high-income household

Thanks everyone for their input thus far. - The UGMA/UTMA option seems interesting as it would allow for up to $2k in dividends & capital gains to go tax free. How would I go about constructing funds such that it generates roughly $2k for 21 years? Looking at VTI distributions on morningstar, e...
by gasman
Mon Sep 01, 2014 6:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Next phase of minimizing taxes for high-income household
Replies: 33
Views: 3109

Re: Next phase of minimizing taxes for high-income household

529 if planning to pay for kids college
UGMA/UTMA structured to generate about 2K of income per year.
I Bonds and EE Bonds are tax deferred, redeem when in lower tax bracket.
by gasman
Sun Aug 31, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Next phase of minimizing taxes for high-income household
Replies: 33
Views: 3109

Re: Should I "super-fund" my 529 for my kids?

If you have got the cash and committed to paying for your kids higher education, I would.
I did the same in 2003 or so. Worked out well.
by gasman
Tue Aug 12, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I "super-fund" my 529 for my kids?
Replies: 13
Views: 1354

Re: Market not interested in inflation protection?

I think that "the market" is incredibly interested in inflation protection. That is why the price of protection is so dear, e.g., low to negative real TIPs yields.

If the market "wasn't interested" real yields on TIPs would be much higher.
by gasman
Thu Jul 31, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Market not interested in inflation protection?
Replies: 32
Views: 2267

Re: Anyone been to Charleston, SC?

Great town. Especially for foodies.
Francis Marion hotel is nice and well located.
I enjoyed the Plantation tour the most.
Really oppressive weather this time of year.
by gasman
Wed Jul 23, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1518

Re: In a crash, will you re-balance to maintain your target

I found it very difficult to buy stocks when the market was tanking during the financial crisis. But I gritted my teeth and did it. I was very dysphoric as the market continued to drop. Didn't quite hit the second rebalancing band and sell bonds to buy stocks again. Not sure I would have had the sto...
by gasman
Mon Jul 14, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4260

Re: I found a new coffee.

All food and drink tastes better on vacation. :D
Don't underestimate an effect from the technique/brewer for making the coffee and the water that was used.
by gasman
Wed Jul 02, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5525

Re: How to admit/should I admit alcohol problem to employer

I have zero expertise in this area. I am speaking about a family member who had a problem with prescription drugs. He got to the point where he did not feel that he could perform his duties, went to rescue/crisis and called in sick for a few days and entered a 30 day residential program. He admitted...
by gasman
Wed Jul 02, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13266

Re: Re-hired at firm, given incorrect 401k info

401ks are governed by federal law and have huge noncompliance penalties. If they deny your request send the director of HR an email asking her to run it by their plan administrator and attorney. Tell her that you intend to do the same.
by gasman
Tue Jul 01, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-hired at firm, given incorrect 401k info
Replies: 27
Views: 2319

Re: 3.5% Yield for 457(k) Fixed Guaranteed

Current 457(k) Fixed is yielding 3.5% guaranteed. It is increasing difficult to find any thing close to it. It is tempting to consider leaving funds in the employer plan upon retirement. Is it OK to leave the 457(k) funds in the employer plan upon retirement? Depends on the plan document, especiall...
by gasman
Sun Jun 29, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1054

CNN Money article on US Savings Bonds.

Poorly researched piece. Seems like many Bogleheads are swimming against the current on this topic.

http://money.cnn.com/2014/06/14/investi ... ?iid=HP_LN
by gasman
Sun Jun 15, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: CNN Money article on US Savings Bonds.
Replies: 7
Views: 1227

Re: Rational Expectations Kindle

Dr. Bernstein,

Got my hard copy today. I was just wondering if the cover art (a balloon with a needle next to it) is a not so subtle editorial on what to expect? :shock:
by gasman
Sat Jun 07, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rational Expectations Kindle
Replies: 10
Views: 1866

Re: upcoming 9yr 10 month Treasury auction

What is the reason the treasury "reopens" auctions of existing securities as opposed to continually offering new ones?
by gasman
Thu Jun 05, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: upcoming 9yr 10 month Treasury auction
Replies: 5
Views: 359

Re: Medical Residency Retirement - Why don't we get a match?

the response from over 20+ years ago when I asked the same question. "As house staff your expected tenure is in the 3-5 year range, it isn't worth the effort. " Apologies to those who do longer training programs or stay on for fellowship.
by gasman
Sun Jun 01, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3439

Re: Net worth cost of getting an education

Being educated has benefits other than financial.
by gasman
Wed May 14, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net worth cost of getting an education [locked]
Replies: 24
Views: 1934

Re: Confession: I bought a stock. What is wrong with me?

Nothing is wrong. Like everybody else you think that you are smarter than the market. Like everybody else you crave the rush of making money due to your superior abilities or "inside" information. Your discipline failed. It's OK as long as it doesn't become a habit. "Money won is twic...
by gasman
Sun Mar 16, 2014 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 5675

Re: Transitioning my account

At the very least, take all mutual fund cap gain and dividend distributions as cash and do not reinvest.
by gasman
Wed Mar 12, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning my account
Replies: 7
Views: 480

Re: non-compete

These are very common in medicine.
Are you employed under a personal services contract with a defined expiration date?
Are you incentivized to sign?
What happens if you decline?

You really need to talk to an employment attorney in your state.
by gasman
Tue Mar 11, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1673

Re: How did you get through the market crash in 08-09

Gritted my teeth. Stuck to my plan. Rebalanced per my IPS. Knowing that according to history it was the best course. But I did not do it gladly or happily at the time. Many months of dysphoria.
by gasman
Mon Mar 10, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5910

Re: How has frugality impacted your marriage/LTR?

Impacted negatively in the beginning. Positively once I got her to convert.
by gasman
Fri Feb 21, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 3065

Re: Asset protection strategy

You pretty much can't protect taxable accounts without giving the money to kids (UTMAs) or someone else (Irrevocable trusts). Buy insurance and hope for the best. If you are more concerned about asset protection than solid investment returns, you may consider cash value life insurance in some state...
by gasman
Fri Feb 14, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3921

Re: In-State Municipal Bonds Concerns

You didn't mention your tax bracket.
by gasman
Sun Feb 02, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: In-State Municipal Bonds Concerns
Replies: 8
Views: 712

Re: Why do billionaires use active managers? Any that don't?

I would also suspect that "investments" that billionaire's choose have frequently secondary emotional gains involved other than getting more dollars out.
by gasman
Sat Feb 01, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Why do billionaires use active managers? Any that don't?
Replies: 28
Views: 3480

Re: 17.6 year stock market cycle

17 years? Does it follow the cicadas?
by gasman
Wed Jan 15, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2680

Re: Grad Prof. wants to recommend me for interview, but...

I think that it is perfectly fine to interview for the position as long as you are open and honest about your experience and concerns.
by gasman
Wed Jan 15, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Grad Prof. wants to recommend me for interview, but...
Replies: 10
Views: 1161

Re: How do you "Stay the Course"?

It's easy when there is little volatility. When there is lots of it, I grit my teeth and bear it. Knowing that it is the best strategy, but not enjoying the ride.
by gasman
Wed Jan 15, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 52
Views: 3512

Re: college related advice for 11th grader

Thanks gasman. I did find a lot of chaff on cc.... it takes a lot of reading and work to glean what one is seeking. I am truly searching for whatever would be the best college experience for him, regardless of name. OTOH, some of the name places do provide a remarkable experience. If he got into St...
by gasman
Tue Jan 14, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 106
Views: 6856

Re: Doom and Gloom

As someone not yet 30, I sometimes lose my optimism (which I generally have plenty of) and become concerned with the future and the ability for my family to "get ahead". Aside from the Great Depression, I don't know of another modern era in which so many potentially disastrous unknowns li...
by gasman
Tue Jan 14, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 3536

Re: college related advice for 11th grader

Went through this last year. With PSAT scores that high you can count on your son being a a NMSF. He will get lots of unsolicited merit award offers from a variety of schools. Not ivies and similarly competitive. You cannot underestimate how competitive the top schools have become. There are somethi...
by gasman
Tue Jan 14, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 106
Views: 6856

Current bond duration?

Right now both the taxable and municipal yield curves are pretty steep. Using the rule of thumb that you should increase maturity one year if you can pick up 20 basis points for taxable and 15 basis points for municipal, It looks like we should be living in the 8-10 year range of maturities if one i...
by gasman
Tue Dec 31, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Current bond duration?
Replies: 4
Views: 455

Re: Article: corporate bonds are riskier now

These market shifts are set against the backdrop of a widespread fear that investors will leave the bond markets en masse as interest rates rise. Aren't higher yields a good thing for the long-term investor, especially when credit quality is no worse? Yes, but some of us keep our "dry powder&q...
by gasman
Mon Dec 30, 2013 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Article: corporate bonds are riskier now
Replies: 13
Views: 1093

Re: Back from Grand Canyon rafting trip

Reviving this thread because We are planning on going. I was concerned about it being too hot in the summer to enjoy. Anybody want to comment on best time of year weather wise for this trip?
by gasman
Fri Dec 13, 2013 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Back from Grand Canyon rafting trip
Replies: 33
Views: 4511

Re: Frameless Sliding Glass Doors for Tub/Shower

How about a swinging glass door as opposed to sliding?
by gasman
Sun Dec 01, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Frameless Sliding Glass Doors for Tub/Shower
Replies: 8
Views: 934

Re: who here is tempted to pullback on stocks?

I am often tempted to time the market.
I am also often tempted by dessert, sports cars, and attractive females.
I just know that other than an occasional dessert, all of the above are bad choices.
by gasman
Sun Nov 24, 2013 9:54 am
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 8246

Re: Does an allocation less than 5% ever make sense?

Emotionally, it might. I have just under 4% allocated to commodities. Intellectually, I know that it probably is meaningless. Howevever, for some reason it makes me feel better having token exposure.
by gasman
Fri Nov 08, 2013 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Does an allocation less than 5% ever make sense?
Replies: 34
Views: 3158

Re: Why am I way more happy winning $500 gambling than $1000

"Money won is twice as sweet as money earned"

-Paul Newman in "The Color of Money"
by gasman
Thu Nov 07, 2013 8:50 am
 
Forum: Personal Consumer Issues
Topic: Why am I way more happy winning $500 gambling than $1000 inv
Replies: 18
Views: 1508

Re: Tax loss Harvesting and "buying the cap gain"

You could always tax loss harvest after the distribution. Even if it is early January, all you would lose is the interest on the value of the loss for one year, given interest rats, likely a small number.
by gasman
Fri Oct 25, 2013 5:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting and "buying the cap gain"
Replies: 2
Views: 329

Re: Fair or not [Financially supporting one child over anoth

After you and your spouse are dead they will only have each other. Leaving more to one child has a very strong chance of destroying their relationship. Make clear what you are willing to fund and support it equally for both children during your lifetime for things that you value, e.g., education, a ...
by gasman
Wed Oct 09, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fair or not [Financially supporting one child over another]
Replies: 57
Views: 4255

Re: Breaking Bad (TV Show)

Best thing on TV in years.
Sad it is ending.
by gasman
Sat Sep 28, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Breaking Bad (TV Show)
Replies: 74
Views: 6260

Re: Can you trust muni credit ratings

Question for Larry, Has there been the equivalaent of "grading on a curve" or "grade inflation" in the muni credit markets over the last decade or so? E.g., are AAA, AA, ratings etc. assigned to whatever the top percentage of credit issuers is regardless how bad the group is as ...
by gasman
Wed Sep 18, 2013 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Can you trust muni credit ratings
Replies: 51
Views: 2670

Re: Can you trust muni credit ratings

duplicate post deleted
by gasman
Wed Sep 18, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Can you trust muni credit ratings
Replies: 51
Views: 2670

Re: Public pension underfunding: The bad and the ugly

constitutional bans mean nothing if there is no money. a court can say a state has to fund it-let them enforce it though. a court is going to allow detroit to cut pensions. it's just the beginning of this. Not so. Detroit has merely transferred it's liabilities to the state of Michigan by declaring...
by gasman
Sun Sep 15, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Public pension underfunding: The bad and the ugly
Replies: 10
Views: 815

Re: TLH option for Vanguard Intermediate-Term Tax-Exempt Fun

I feel like I know the answer is none... but just in case someone in the great bogglehead community has any ideas... What is a good TLH option for moving from Vanguard Intermediate-Term Tax-Exempt Fund (VWIUX)? Something with the same general behavior (quality/duration/tax-exempt) but not "sub...
by gasman
Sat Sep 07, 2013 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH option for Vanguard Intermediate-Term Tax-Exempt Fund?
Replies: 25
Views: 2017

Re: Jersey Shore, Anyone?

Anybody know how LBI is doing post Sandy?
by gasman
Mon Aug 05, 2013 10:41 am
 
Forum: Personal Consumer Issues
Topic: Jersey Shore, Anyone?
Replies: 28
Views: 2217

Re: Conflicted About Expected Lifestyle Creep

I had no trouble living lean (except for private education for my kids) for the first decade plus post residency. I just didn't feel deprived. Banked well over half my salary. After age 50 is when I started to feel may age, and work has become far less satisfying, I have started to enjoy some of the...
by gasman
Fri Jul 19, 2013 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 5788

Re: Vanguard bond fund with short duration

THe closest that you are going to get is a money market fund.
by gasman
Sat Jul 06, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard bond fund with short duration
Replies: 16
Views: 1559

Re: Dr. Bernstein's new factor tilts

Anyybody got a model portfolio that incorporates these new factor tilts?
by gasman
Wed Jul 03, 2013 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Dr. Bernstein's new factor tilts
Replies: 9
Views: 3077

Re: Detroit to default on $2.5B of debt

Anyone have on opinion on the plan to treat Detroit's G.O. debt as "unsecured"?

Does this have implications for the rest of the municipal bond market?
by gasman
Mon Jul 01, 2013 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Detroit to default on $2.5B of debt
Replies: 63
Views: 7512

Re: Wanting to spend money all of a sudden

I have the same types of feelings. Been deferring gratification for a very long time. I have loosened up on spending somewhat. Didn't hit me till late 40s. Travel more, stay at nicer properties, redecorated the house, paid for a landscaping/lawn service so I don't have to do it, eat out more and don...
by gasman
Tue Jun 18, 2013 10:03 am
 
Forum: Personal Consumer Issues
Topic: Wanting to spend money all of a sudden
Replies: 76
Views: 6033
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