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Re: PA/NP Salary arc [Physician Assistant / Nurse Practition

First off, advancement opportunities are fairly limited for midlevels are relative. If your objective is to remain in a clinical (active patient care) position, then indeed your opportunities are generally somewhat limited. It is unlikely you will work your way into positions for medical director/as...
by mdpsychcrnp
Tue Sep 24, 2013 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: PA/NP Salary arc [Physician Assistant / Nurse Practitioner]
Replies: 15
Views: 2875

Re: Brand new Teacher - 403b help/advice - Only thing offere

Gator1: It's great to see a fellow "East Tennesseean" on this forum. I sympathize with your predicament entirely. My wife (a teacher) and I recently "emigrated" to the great state of Maryland after having lived in Knoxville for a good number of years. Things are, shall we say, a ...
by mdpsychcrnp
Wed Sep 04, 2013 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Brand new Teacher - 403b help/advice - Only thing offered
Replies: 33
Views: 2331

Re: Where to place emergency fund as Roth IRA

For most any question out there, Vanguard is the best place to put your money. :) First, you have to be pretty sure that you are comfortable taking the risks associated with putting part of your emergency fund in a bond fund. There is risk to principle, which is not the case in CD's or high yield sa...
by mdpsychcrnp
Sun Aug 11, 2013 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place emergency fund as Roth IRA
Replies: 3
Views: 438

Re: First stock for a twelve year old

Vanguard Total Stock Market Index
by mdpsychcrnp
Sat Jun 22, 2013 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: First stock for a twelve year old
Replies: 46
Views: 2945

Re: know the data before buying HY bonds

Rick,
What about JNK?
by mdpsychcrnp
Fri May 03, 2013 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: know the data before buying HY bonds
Replies: 46
Views: 3119

Re: A Question for Folks Who Have Abandoned Slice&Dice/Tilti

Thanks to all you folks thus far who have commented. Each of you have voiced the very same arguments that I have had in my mind for the last six months while I have been pondering this switch. On the side of the TSM approach I most closely identify with the need for simplicity. I currently have two ...
by mdpsychcrnp
Mon Apr 22, 2013 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Question for Folks Who Have Abandoned Slice&Dice/Tilting
Replies: 36
Views: 3765

Advice on switching from ETF's to Admiral Shares

So, I currently have all investments other than mine and wife's 403b's and her 457b in Vanguard ETF's (other than VWEHX) at TD Ameritrade. I am planning to move all investments directly at Vanguard sometime this summer. At least for the Traditional and Roth IRA accounts I am contemplating the idea o...
by mdpsychcrnp
Sun Apr 21, 2013 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on switching from ETF's to Admiral Shares
Replies: 7
Views: 947

A Question for Folks Who Have Abandoned Slice&Dice/Tilting

Ladies and Gents, So, at present I have been utilizing a total market approach with a small tilt to VCIT (inter-mediate term corporates) and VWEHX (high yield corporates) in my bond allocation for some time and have been quite happy with my returns. I'm not asking this question to validate my decisi...
by mdpsychcrnp
Sun Apr 21, 2013 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Question for Folks Who Have Abandoned Slice&Dice/Tilting
Replies: 36
Views: 3765

Re: Help me manage a $7 million portfolio.

Texasinvestor, Regarding some of the inappropriate comments from posters above, please keep in mind that quite a few of our ilk (what a rowdy bunch we are!) like to get a bit flustered when there is any perception that a youngster is fleecing their elders. Folks like to get a bit hyper-emotional des...
by mdpsychcrnp
Tue Apr 16, 2013 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12749

Re: Help me manage a $7 million portfolio.

Beat The Street wrote:Just call a financial planner so you don't mess this up and have the whole family mad at you.


I second that.
by mdpsychcrnp
Tue Apr 16, 2013 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12749

Re: Help me manage a $7 million portfolio.

TexasInvestor, First off, ignore the folks who say "Are you managing this portfolio to take care of your mother or are you managing to take care of her and her heirs?" They're not worth your time. Your mother's intention for you is to help her manage her portfolio in such a way that it wil...
by mdpsychcrnp
Tue Apr 16, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12749

Re: Can you help me with my irrational financial fears?

Count of MC, It seems clear to me and the posters above that you have taken every reasonable precaution. You are maxing out your 401k, you are maxing out your car insurance and your umbrella insurance. We're of the same age, but I echo the sentiment above, a little bit of age will assuage these fear...
by mdpsychcrnp
Tue Apr 16, 2013 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you help me with my irrational financial fears?
Replies: 28
Views: 2225

Re: IRS publication -- maxing out 401k and IRA

If your accountant doesn't understand this basic concept, it's time to find a new accountant. I'm beginning to think so. In fairness, there are some major complications in my taxes this year . But I'm beginning to think so. Up until this she has been brilliant (as far as I could tell). The decision...
by mdpsychcrnp
Sat Apr 13, 2013 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRS publication -- maxing out 401k and IRA
Replies: 5
Views: 548

IRS publication -- maxing out 401k and IRA

Ladies and gents, can you direct me to the IRS publication that states that one can contribute BOTH the max of $17,000 to a Traditional 401k and $5,000 to a Roth IRA (as long as you are within income guidelines) for 2012? My accountant appears to be confused.
by mdpsychcrnp
Sat Apr 13, 2013 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRS publication -- maxing out 401k and IRA
Replies: 5
Views: 548

Re: teacher 403b - last couple of years

ps56k, Fidelity Puritan isn't a bad choice. If you're not able to utilize the Puritan Funds (Index Funds) or just want to contribute and forget it than Puritan is probably one of your better choices. Puritan is one of Fidelity's oldest funds and one of its best performing over time. It's allocation ...
by mdpsychcrnp
Tue Apr 09, 2013 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: teacher 403b - last couple of years
Replies: 20
Views: 2389

Re: Going all bonds?

ARBear: Clearly these two men who "manage your brother's investments" are merely seeking to make commissions at her expense. Run from them. You havn't disclosed some particulars of her scenario. Is all of her wealth (with the exception of the annuity) in taxable accounts? This is what you ...
by mdpsychcrnp
Fri Apr 05, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Going all bonds?
Replies: 18
Views: 1797

Re: Should I take the full-time offer?

Curly, I second Lawprof's suggestion. My suggestion would be to do the very thing that you have done throughout your nursing career, document, document, document. And present it to hr as a clear case of sex discrimination and bullying. The reality is that you are not some humanities instructor who i...
by mdpsychcrnp
Sun Feb 03, 2013 3:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I take the full-time offer? Results!
Replies: 43
Views: 3962

Re: Should All My Fixed Income be in Total Bond Fund ?

40% BND, 40% VCIT, and 20% VWEAX for me.
by mdpsychcrnp
Sat Feb 02, 2013 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Should All My Fixed Income be in Total Bond Fund ?
Replies: 19
Views: 1657

Re: Is bond diversification as important as stock diversific

[/quote] Larry, I can assure you that the excess returns did not disappear from my portfolio. VWEAX combined with VBTSX and VAIPX has provided for a much more efficient and productive portfolio. There is no doubt however that you can go back in time and create a series of events that may cause the e...
by mdpsychcrnp
Sun Jan 20, 2013 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Is bond diversification as important as stock diversificatio
Replies: 104
Views: 7493

Re: Reasons for why some medications not covered by health p

My company recently switched health insurance providers and the new plan no longer covers a class of medications called "proton pump inhibitors" (Prevacid, etc.). Three members of my family have prescriptions for levels 2-3 times higher than the over-the-counter amounts and they are essen...
by mdpsychcrnp
Sun Jan 20, 2013 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Reasons for why some medications not covered by health plan
Replies: 11
Views: 1048

Creating a Solo 401k if you already have a 403b

Background: Age 31 I have a full time position with my primary employer where I max out my 403b contributions ($17,500 for 2013) each year and my salary is approx $122k. It appears I will be getting a little 1099 work on the side a few days a month and I am interested in establishing a solo 401k. My...
by mdpsychcrnp
Thu Jan 17, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating a Solo 401k if you already have a 403b
Replies: 3
Views: 217

Re: Study: Full parental support may lead to lower grades

I want my children to pay 100% of their own college education Great, now how are your children going to come up with $20K or so per year when they are 18-22? From the article: The higher graduation rate of students whose parents paid their way is not surprising, she said, since many students leave ...
by mdpsychcrnp
Tue Jan 15, 2013 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Study: Full parental support may lead to lower grades
Replies: 11
Views: 922

Re: Study: Full parental support may lead to lower grades

A report on a study that found that parental support for college without clear expectations to the student seems to result in lower grades http://www.nytimes.com/2013/01/15/education/parents-financial-support-linked-to-college-grades.html I found this facinating, but also consistent with the many p...
by mdpsychcrnp
Tue Jan 15, 2013 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Study: Full parental support may lead to lower grades
Replies: 11
Views: 922

Re: Taking Control Away - Who has done it

I see that your wife is 67 (Jan 5, 2013 post) therefore she is [medical advice removed by admin LadyGeek].
by mdpsychcrnp
Sun Jan 13, 2013 4:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking Control Away - Who has done it
Replies: 26
Views: 2946

Re: Taking Control Away - Who has done it

It's possible that she's simply lost interest in doing the the tasks. But my sense is that there is something else going on. I echo the concerns of several other posters that there may indeed be some sort of cognitive impairment emerging. Please do not take offense at this suggestion because it is n...
by mdpsychcrnp
Sun Jan 13, 2013 3:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking Control Away - Who has done it
Replies: 26
Views: 2946

Long Term Disability Insurance -- Knights of Columbus

My employer's long term disability policy only covers 40% of my income and only does so for up to 5 years. After reading several discussions on this forum I have become convinced of the utility of seeking a good LTD policy as an add on to this. I am currently a member of the Knights of Columbus, and...
by mdpsychcrnp
Sat Jan 12, 2013 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability Insurance -- Knights of Columbus
Replies: 1
Views: 444

Re: Recent Retiree - Target Retirement Income or Wellesley F

MD, thank you for this beautiful analysis. I am exactly at the point of trying to decide how to consolidate and simplify amongst the funds you discussed. Again, thank you. George George: You are most welcome. :) Was just running through scenarios myself (though it's long before I need to) and it ju...
by mdpsychcrnp
Sun Dec 23, 2012 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree - Target Retirement Income or Wellesley Fund?
Replies: 31
Views: 4082

Re: Recent Retiree - Target Retirement Income or Wellesley F

AceofSpades, The first choice you have to make is exactly what your risk tolerance is. Second, you have to determine what your philosophy regarding active and passive management is. Bogle's essential hypothesis, which we all know to be true, is that COSTS matter. Indexing is a convenient means to re...
by mdpsychcrnp
Sat Dec 22, 2012 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree - Target Retirement Income or Wellesley Fund?
Replies: 31
Views: 4082

Re: Struggling with BND

Given that VWEHX is closed at the moment except for those of us who already hold it, I would suggest JNK. It has a higher ER than admiral shares and has more credit risk but is performing quite favorably. Its credit risk is lower than the other high yield funds that I am aware of.
by mdpsychcrnp
Thu Dec 20, 2012 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with BND
Replies: 9
Views: 1546

Re: Struggling with BND

Investor, Everyone has their own philosophy, but you will get more bang for your buck if you do 40% VCIT, 40% BND, and 20% VWEHX. The combination gives you approximately the same return as the long term bond index without the volatility. You certainly take on a bit of credit risk in doing so but not...
by mdpsychcrnp
Thu Dec 20, 2012 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with BND
Replies: 9
Views: 1546

Re: What ETF or MF for Emergency Fund?

Max out your I-Bonds first (your spouse and yourself), then put it in VCSH. Current SEC yield of VCSH is 1.24% and YTD is 5.63%. Here's my strategy -- I max out I-Bonds for my wife and I for EF (inflation rate is currently 1.76%). Some day, when I-Bonds fixed rate exceeds 1.5% (plus inflation rate) ...
by mdpsychcrnp
Wed Dec 12, 2012 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What ETF or MF for Emergency Fund?
Replies: 13
Views: 1284

Re: A Compelling Argument for Holding Wellington Fund

[/quote] It's not a matter of allowing Wellington to change its philosphy - it's what does the investment charter state? The managers of the fund have a fiduciary duty to follow the charter of the fund, not change course whenever they feel like it. If you could only purchase 1 fund (not a fund of fu...
by mdpsychcrnp
Tue Dec 04, 2012 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

[/quote]
I was thinking "md" might refer to state of origin. I'm a lawyer. I know from retired judges.[/quote]

You would be correct. :)
by mdpsychcrnp
Tue Dec 04, 2012 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

Paul wrote: If the "asset bloat" that concerns you is the product of market timing, newbie investors will abandon ship quickly in a hot equity market. Those of us with lengthy experience in the fund know that Wellesley will underperform in hot equity markets but it will continue to churn ...
by mdpsychcrnp
Tue Dec 04, 2012 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

I am still intrigued by your use of the word compel. I own some mutual funds, but I don't feel compelled to own any of them. I used to own Index 500, but I guess I wasn't feeling the compulsion that you do, so I sold it. I own Large Cap index, but I guess I don't feel the compulsion you do, so I bo...
by mdpsychcrnp
Tue Dec 04, 2012 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

Gordon The arguments against holding Wellington Fund as a core asset in a retirement account is an example of " The enemy of a good plan is the pursuit of a perfect plan"....Gordon Indeed. It seems as if I have stepped on some proverbial toes here. The fact remains is that our dearly belov...
by mdpsychcrnp
Tue Dec 04, 2012 2:02 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

EmergDoc: >My own argument against this fund is pretty simple. It's a balanced fund. I don't use them. I guess I could, but it would make my portfolio even more complicated than it is. Yes, and it it is this very reason and this reason alone while I will not jump on the Wellington band-wagon. While ...
by mdpsychcrnp
Tue Dec 04, 2012 1:46 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

retiredjg , >If you are in a higher tax bracket (you're an M.D., right?) and if you are in the accumulation phase, I don't think putting Wellington into a taxable account is a good idea at all. The bonds are not tax-efficient and the dividend paying stocks won't help any either. Paying taxes on thos...
by mdpsychcrnp
Tue Dec 04, 2012 1:41 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

> But I'm wary of either fund in taxable, preferring munis and something like Balanced Index. Lev, I should have been clearer. I was not specifically inquiring about holding the fund in a taxable account. That's obviously pretty foolish at my income. My concern is my ability to create an asset alloc...
by mdpsychcrnp
Tue Dec 04, 2012 1:37 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

[quote="nisiprius"]There's no compelling argument for not holding it. It's a low-priced, well-managed fund. The general opinion here from the cognoscenti is that outperformance is explained mostly by its asset styles, not by management magic. Nis: Noted. I will definately take a look at th...
by mdpsychcrnp
Tue Dec 04, 2012 1:17 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

The standard reasons given here for not investing in this fund are that it is managed, and that is certainly an issue, and that past record is not correlated with future performance, but at the end of the day this fund has had an exemplary performance for many years, not only based on return but al...
by mdpsychcrnp
Tue Dec 04, 2012 1:16 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

Jerilynn wrote:
mdpsychcrnp wrote: However, again, it's hard to argue against a fund that has been successful since 1929.


No, it's really not all that hard. ;)


Is it? Can you demonstrate that you have achieved the same risk-adjusted return of VWELX even over two decades?
by mdpsychcrnp
Tue Dec 04, 2012 1:11 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

Jerilynn: >1. The expense ratio is too high. VWENX has an ER of 0.19. Sure, I own my entire portfolio in ETF's with the exception of VWEAX and my ER's are certainly lower than this (though VEU has an ER of 0.18%). I find this to be a hard argument to make. I clicked on the link in the OP and it too...
by mdpsychcrnp
Tue Dec 04, 2012 1:09 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

Jerilynn: >1. The expense ratio is too high. VWENX has an ER of 0.19. Sure, I own my entire portfolio in ETF's with the exception of VWEAX and my ER's are certainly lower than this (though VEU has an ER of 0.18%). I find this to be a hard argument to make. >2. It's an actively managed fund and those...
by mdpsychcrnp
Mon Dec 03, 2012 2:21 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: W

W is too under diversified for my blood. Certainly that has been my argument up until this point, but it's hard to accept the gospel of indexing (and thus diversification) hook, line, and sinker when looking at the performance of this fund. It's a pretty hard argument to make against a fund that ha...
by mdpsychcrnp
Mon Dec 03, 2012 2:10 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: A Compelling Argument for Holding Wellington Fund

I didn't see anything compelling there. For the asset allocation of about 33% to 35% fixed income, I think a slice-and-dice portfolio has done just as well, but with more tax-loss-harvesting opportunities that will lead to lower taxes later on. Folks around here always write that one should expect ...
by mdpsychcrnp
Mon Dec 03, 2012 2:08 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

A Compelling Argument for Holding Wellington Fund

http://quote.morningstar.com/fund/chart.aspx?t=VWELX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Vanguard%20Wellington%20Inv%22%2Cids%3A%22FOUSA00FVM%7C0P00002T2V%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7C1929-7-1%7C%7C%7Cfalse%7CUSA%7C19%22%7D%2C%7Bn%3A%22Moderate%20Allo...
by mdpsychcrnp
Mon Dec 03, 2012 12:18 am
 
Forum: Investing - Theory, News & General
Topic: A Compelling Argument for Holding Wellington Fund
Replies: 67
Views: 5560

Re: T Rowe Price Target Retirement Funds

T, Rowe Price's target retirement funds are GOOD funds. You can do a heck of a lot worse. If you prefer index funds, use Vanguard's target date funds. If you have T. Rowe Price funds available, use those. Mr. Bogle often quotes the 1.5% ER for the average active fund, these funds are 1/2 that. I do...
by mdpsychcrnp
Wed Oct 17, 2012 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price Target Retirement Funds
Replies: 8
Views: 1989

Re: What's the Current Estimate of the Liberal Arts?

maroon wrote:The great value of a liberal arts education is that it teaches critical thinking skills. I think a liberal arts major can pursue a career in just about any field.


Perhaps, more importantly, can they make enough money to eat?
by mdpsychcrnp
Wed Oct 17, 2012 1:41 am
 
Forum: Personal Consumer Issues
Topic: What's the Current Estimate of the Liberal Arts?
Replies: 23
Views: 1258

Re: Investing After My Lawsuit - REALLY LOST!!!!

i went to art school and have been doing web design for years getting by... working in webdesign i have been able to keep our heads above water... Perhaps you should use some of the money to train yourself for a new career? A better paying job that you enjoy would likely be the best "investmen...
by mdpsychcrnp
Wed Oct 17, 2012 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing After My Lawsuit - Really Lost!!!!
Replies: 29
Views: 3275
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