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Re: What if everyone was a Boglehead saver?

What if everyone was a Boglehead saver?

--------------

It would make it harder for us. There is a benefit to saving well and investing wisely only if a minority of folks do so.
by gasman
Sat Jan 31, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: What if everyone was a Boglehead saver?
Replies: 18
Views: 1831

Re: What age did you move out?

The poll would have more meaning if it was broken down to move out with financial support vs. move out without financial support
by gasman
Tue Jan 27, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4861

Re: Just purchased 2015 maximum EE Series Bonds

only 1 10k boat per year, so jump on it or see it sail away forever... I've been jumping on for 4 years now and very happy with it... And DW and I have each been jumping on the 10k I bond boat for the last 4 years. I guess we'll have to revisit this thread in 20 years and see who did better :D To m...
by gasman
Tue Jan 27, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3981

Re: Just purchased 2015 maximum EE Series Bonds

3.53%? I see 0.10%. What am I missing? If you hold a full twenty years the Treasury will double the face value. Doubling after 20 years gives a rate of 3.53%. Caution If you hold 19 years and sell you get practically nothing. SO you really have to be committed to holding for the full twenty years i...
by gasman
Tue Jan 27, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3981

Re: Rental Car Prices - is this the new normal ?

Cost is largely a function of where and when you're traveling and competition. There can be tremendous variation. The car rental forums on http://www.flyertalk.com/forum/car-rental-programs-partners-392/ are worth browsing. Also , I suspect, where you are booking FROM. I live on the east coast and ...
by gasman
Sun Jan 25, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 71
Views: 5703

Re: urgent: how to identify top surgeons for a procedure

When you are being "graded". You spend a lot of effort working for the test. In a past job I had, the head cardiac surgeon cherry picked the softball cases so he looked good on the models that graded him. The models in place at that time (might still be true, just don't know) didn't give e...
by gasman
Wed Jan 21, 2015 7:11 am
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3993

Re: EE bonds vs 5 yr CD's vs iBonds

I think of an EE Bond as a 20 year tax deferred CD that pays zero interest for 19 years 11 months. No penalty for early withdrawal. Doubles at 20 years for an effective rate of 3.53%. I think they make sense if you are in a high tax bracket now, Have limited tax deferred space ,plan to hold the full...
by gasman
Wed Jan 14, 2015 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs 5 yr CD's vs iBonds
Replies: 8
Views: 906

Re: Tegretol - Expensive Drugs

As a practicing anesthesiologist, I can say that there is no discernible difference between generics and name brand drugs- Most of the time. I have noticed a few drugs that absolutely don't perform the same way as the original name brand drug.
by gasman
Wed Jan 07, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Tegretol - Expensive Drugs
Replies: 7
Views: 750

Re: Ex-landlord won't return deposit

In a building that I was renting an apartment, I was told this was standard operating procedure by a former tenant who got burned. So when the time came for me to leave, I simply did not pay the last two months rent (the amount of the security deposit). I told the landlord to send me an itemized acc...
by gasman
Mon Dec 08, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3183

Re: Stanley Kubrick's 2001 a space odyssey

I always thought that the ending with the baby represented the next step in the evolution of man. The same way the monolith tinkered with apes who became human in the beginning of the movie, the makers of the monolith tinkered with David Bowman as a modern human to make the human looking, but not qu...
by gasman
Wed Dec 03, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 4563

Re: Why are people so down on bonds?

For the last few decades bonds- defined as short-intermediate term high quality fixed income, did two things for one's portfolio: 1. They dampened the volatility of a portfolio and provided a store of value to buy stocks when they went on sale. 2. They could reasonably be counted on to provide a po...
by gasman
Sun Nov 09, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why are people so down on bonds?
Replies: 39
Views: 6480

Re: Why are people so down on bonds?

Why are people so down on bonds? ------ For the last few decades bonds- defined as short-intermediate term high quality fixed income, did two things for one's portfolio: 1. They dampened the volatility of a portfolio and provided a store of value to buy stocks when they went on sale. 2. They could r...
by gasman
Fri Nov 07, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Why are people so down on bonds?
Replies: 39
Views: 6480

Re: Career Advice for an Unhappy Young Doctor?

While it hasn't been said or asked about I'm a little curious about what led her to enter medicine. Did she enter medicine due to family expectations (i.e. a parent, sibling, or other close relative was in medicine)? If that is perhaps the case her anxiety and insecurity may not be related to her s...
by gasman
Wed Nov 05, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13977

Re: iBonds at zero % fixed

They even lowered the EE bond rate to 0.1%. 0.5% was above lots of money market rates. I will probably wait till May for my 2015 purchase for both. why do you think it will be more in May 2015? I don't buy EE bonds, only I bonds, but I'm curious as to your reasoning. -Couldn't get much lower for ei...
by gasman
Mon Nov 03, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9800

Re: iBonds at zero % fixed

They even lowered the EE bond rate to 0.1%. 0.5% was above lots of money market rates. I will probably wait till May for my 2015 purchase for both.
by gasman
Mon Nov 03, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9800

Re: November 1 2014 I Bond Inflation Component

I Bond Earnings Rate of 1.48% includes a Fixed Rate of 0.00% The earnings rate for Series I Savings Bonds is a combination of a fixed rate, which applies for the life of the bond, and the semiannual inflation rate. The 1.48% earnings rate for I bonds bought from November 2014 through April 2015 app...
by gasman
Mon Nov 03, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: November 1 2014 I Bond Inflation Component
Replies: 28
Views: 5052

Re: Career Advice for an Unhappy Young Doctor?

[quote=" The thing is, I am not a doctor, and in fact I am not in the medical field at all, and I can probably relate to every single one of your reasons above. At one time or the other during my career I had to deal with all or many of the above. The couple guys in accounting I know talk about...
by gasman
Tue Oct 28, 2014 5:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13977

Re: Career Advice for an Unhappy Young Doctor?

There is a tremendous level of unhappiness of physicians at all stages of their careers for multiple reasons. In no particular order: Increased production pressure. Loss of autonomy. Responsibility without authority. Quality of care being redefined by corporate and government entities. Only things t...
by gasman
Mon Oct 27, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13977

Re: Sale of house-closing tomorrow, buyer is backing out

A real estate attorney once told me that you can't be forced to buy a house...but you can be forced to sell one.
by gasman
Mon Oct 13, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5427

Re: POLL: What was the first stock you ever bought?

Home Depot. Read an article in Money magazine 1994 recommending it. kept it as part of large cap allocation after I decided to go passive. Eventually donated it Vanguard Charitable donor advised fund.
by gasman
Thu Sep 04, 2014 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3076

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 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a 30 and 20 term policy at the same time?
Replies: 16
Views: 1237

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 5:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Next phase of minimizing taxes for high-income household
Replies: 33
Views: 3737

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 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Next phase of minimizing taxes for high-income household
Replies: 33
Views: 3737

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 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I "super-fund" my 529 for my kids?
Replies: 13
Views: 1470

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 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Market not interested in inflation protection?
Replies: 32
Views: 2410

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 6:08 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1562

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 6:58 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4346

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 8:38 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5988

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 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 15759

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 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-hired at firm, given incorrect 401k info
Replies: 27
Views: 2397

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 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1086

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 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: CNN Money article on US Savings Bonds.
Replies: 7
Views: 1261

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 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rational Expectations Kindle
Replies: 10
Views: 2005

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 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: upcoming 9yr 10 month Treasury auction
Replies: 5
Views: 372

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 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3686

Re: Net worth cost of getting an education

Being educated has benefits other than financial.
by gasman
Wed May 14, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net worth cost of getting an education [locked]
Replies: 24
Views: 1954

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 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 6101

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 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning my account
Replies: 7
Views: 483

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 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1805

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 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 6080

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 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 3158

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 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 4200

Re: In-State Municipal Bonds Concerns

You didn't mention your tax bracket.
by gasman
Sun Feb 02, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: In-State Municipal Bonds Concerns
Replies: 8
Views: 717

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 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Why do billionaires use active managers? Any that don't?
Replies: 28
Views: 3499

Re: 17.6 year stock market cycle

17 years? Does it follow the cicadas?
by gasman
Wed Jan 15, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2754

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 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Grad Prof. wants to recommend me for interview, but...
Replies: 10
Views: 1165

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 8:34 am
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 60
Views: 4730

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 3:49 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 9000

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 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 3571

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 2:03 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 9000
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