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Re: practicing medicine in Texas...

Medscape recently came out with a report for salaries for emergency medicine phsyicians. This may apply somewhat to the UC docs too, so if you are a medscape member you might check it out. Looks like Texas was about the same as Ca as per salary. If you are not a member, it is free to join. http://ww...
by mhalley
Fri Apr 18, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 16
Views: 950

Re: practicing medicine in Texas...

I wasn't familiar with the juris test so I looked it up to see what it involved. Here are some examples of the questions that it can draw from: Aiding Suicide AIDS and HIV Infection Anatomical Gifts Business Organizations Central Complaint System Confidentiality, Discovery and Medical Turpitude Crim...
by mhalley
Fri Apr 18, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 16
Views: 950

Re: I can't figure out my current asset allocation?

Go to morningstar and put your info into their intant xray tool. To stay on top of your aa, go to personalcapital.com and link your accounts, it shows a good breakdown of your aa that changes automatically.
Mike
by mhalley
Sun Apr 13, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can't figure out my current asset allocation?
Replies: 12
Views: 635

Re: young doctor, taking over my own investments...

The main taxable improvement is to get rid of the REIT and the TR fund in taxable. Either put them into the total stock market or the munis, depending on your aa. Can you rollover the ROth into a Vanguard Roth? You probably want to go to the BTC use equity market for the large cap, dodfx for interna...
by mhalley
Sun Apr 13, 2014 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2494

Re: suggestion for awd luxury sedan

I have the Acura TL AWD, I like it very much, you might add it to the list.
Mike
by mhalley
Sun Apr 13, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 39
Views: 2834

Re: Bond Allocation with 6.8% Student Loans

I don't think I have ready anything that takes the amount of debt one owes into account when figuring your asset allocation. Dave Ramsey of course would tell you not to save anything at all until you paid this loan off. I disagree, and think that the sooner you start your retirement investing the be...
by mhalley
Wed Apr 09, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with 6.8% Student Loans
Replies: 12
Views: 799

Re: vanguard etf question

The thing is that no one knows what the market will do. It could crash tomorrow, or continue its run to even further highs. One way to hedge the possibility of a market downturn is to dollar cost average.
Mike
by mhalley
Wed Apr 09, 2014 5:56 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard etf question
Replies: 3
Views: 216

Re: 180K and no clue

Do you have much in the way of capital gains? If not, you might consider changing to the 3 or 4 fund portfolio to give you access to tax loss harvesting and rebalancing. You could also consider putting your bonds in your ira. Look in the wiki regarding fund placement.
Mike
by mhalley
Tue Apr 08, 2014 3:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 180K and no clue
Replies: 8
Views: 1670

Re: Property investment: should my name be on the deed?

In that case i would def want to be on the deed. An llc is prob a good idea. Def lawyer time.
Mike
by mhalley
Mon Apr 07, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 693

Re: Property investment: should my name be on the deed?

What exactly is the deal here? Are you equal partners, and will share equally in the profits? Or are you just lending money with some type of interest? I think you definitely need a conract, and if it is a fair amount of money i would want my name on the deed (but not the mortgage). you need to talk...
by mhalley
Mon Apr 07, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 693

Re: Bob Brinker portfolio

I know bob has several different portfolios. He is generally bogleheadish, so maybe you need to look at portfolio 3 instead of 2, as 100% stocks would generally be considered too aggressive for a 52 yo. Here are a list of some of his portfolios, perhaps you should look at 3. Portfolio I is designed ...
by mhalley
Sat Mar 29, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 29
Views: 3428

Re: our renters want to buy our rent house

I think the way they usually work is that the leasee continues to pay rent, and then pays additional money that goes toward the purchase of the home. You tell them you want 100k for the house. Say they pay 200 dollars extra. At the end of 3 years, they have payed 7200 dollars toward the home, if the...
by mhalley
Tue Mar 25, 2014 2:32 am
 
Forum: Personal Finance (Not Investing)
Topic: our renters want to buy our rent house
Replies: 20
Views: 2453

Re: Jim Cramer's Index Embrace

I haven't watched Jim for a while, but I think he said that it was ok to index in your 401k when you had no option for doing his stock picking plan. I may be wrong, but that is what I recall.
Mike
by mhalley
Tue Mar 25, 2014 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer's Index Embrace
Replies: 11
Views: 1764

Re: Creating a "secondary" retirement account

I think you are looking at this the wrong way. I think you should look at the PENSION as the secondary retirement, and you should save for retirment as if there will be no pension. You read in the news all the time about pensions that are underfunded, cities going bankrupt, etc, etc. I would put 15 ...
by mhalley
Mon Mar 24, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating a "secondary" retirement account
Replies: 18
Views: 1610

Re: Options for the medical grad but no residency

Just an fyi, someone posted about working at an ugent care. In order to practice medicine, the bare minimim is completing at least a 1 year internship. After that, then you can apply to get your license to practice medicine. Would an uc hire a doc with only an internship? Possibly. There are many re...
by mhalley
Sat Mar 22, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7149

Re: Prius performance in extremely hot climates

I presume this would apply to prius, but I read an article recently talking about the mileage of electric cars due to extremes of temperature. There is a huge decrease in mileage, both at low and high temperatures. Up to 57% decrease in cold, 37% in hot as I recall. O, here is a quote: Vehicles were...
by mhalley
Fri Mar 21, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1011

Re: Replacement for Windows XP Computer

As a gamer I always used to buy the very top of the line computer in order to prolong the time between upgrades as much as possible. I feel that the computers today have advanced to the point that this is no longer required, and a middle of the road computer should last anyone but the most advanced ...
by mhalley
Wed Mar 19, 2014 7:29 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4145

Re: Social security - means testing

This comes down to a basic "no one knows". Future tax laws are unpredictable, unknowable, unfathomable. I plan on at least waiting until fra to take mine, may wait until 70, but will decide at fra depending on my need for the money. If I don't need it, I will wait till 70, if I need it I w...
by mhalley
Tue Mar 18, 2014 2:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Social security - means testing
Replies: 6
Views: 1148

Re: Amazon Prime Increase

I read some articles on the net about how to get another year at 79, saving the 20 bucks. It involves cancelling your auto renew, purchasing a gift subscription for prime using your own email address, and having it delivered the day after your subscription is set to expire. I thought about putting a...
by mhalley
Sun Mar 16, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7599

Re: Dividend stocks for current income in early retirement?

Recent article over at forbes comparing using s&p 500 vs dividend aristoctrats fundfor a retierment 60/40 portfolio. Icant paste the exact link, but google forbes dividend aristocrat retirement and it should come up. I think it might be reasonable to do your value tilting this way, but dividend ...
by mhalley
Fri Mar 14, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks for current income in early retirement?
Replies: 38
Views: 3486

Re: I don't want to upgrade XP just yet, is that ok?

I have a backup computer that I use only when my main system goes down. I don't plan on upgrading it after xp goes down, but will try to "harden" it. I won't go to any financial websites on it in the future, if I absolutely have to due to a major main pc crash I will install Ubuntu on it f...
by mhalley
Fri Mar 14, 2014 6:07 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6334

Re: What video games are you currently playing?

For the guys that quit wow, you might try one of the new online games sych as league of legends or dota. It is free to play,you can spend a littlle money to buy different characters but that is totally optional. It has a very different play style, so there is a big learning curve. I ultimately decid...
by mhalley
Fri Mar 14, 2014 3:50 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4203

Re: Backdoor Roth - why does it make me feel dirty?

[OT comments removed by admin LadyGeek]
by mhalley
Fri Mar 14, 2014 3:19 am
 
Forum: Investing - Theory, News & General
Topic: Backdoor Roth - why does it make me feel dirty?
Replies: 23
Views: 2339

Re: Understanding credit score

One thing to do is make sure you have a real FICO score as opposed to the new Vantage score that some banks are using. They have different ranges on what a good score is. I second credit Karma.
Mike
by mhalley
Mon Mar 10, 2014 6:08 am
 
Forum: Personal Consumer Issues
Topic: Understanding credit score
Replies: 15
Views: 1193

Re: HUGE retirement decision.

You never can tell what will happen. My MIL retired with the pension leaving nothing to husband assuming she would outlive him. She dropped dead a few months after retirement at age 62, and husband has now outlived her by over a dozen years. Plus he has a horrible family history of heart attacks. Al...
by mhalley
Mon Mar 10, 2014 4:21 am
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 5994

Re: What video games are you currently playing?

Downloading South Park: The Stick of Truth as I type this. Currently playing Skyrim, just finished Batman: Arkham origins. I must say the Batman: Arkham games are some of the best i have ever played, you can get the first two pretty cheap on Steam. I also recently completed Bioshock: Infinite, anoth...
by mhalley
Sat Mar 08, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4203

Re: Retirement looming

I think wellsely and wellington are great funds, as are the indexes you mentioned. I don't see which are in taxable, but if it were me I would put the indexes in taxable to allow tlh and just have well/well in deferred to simplify things. you might consider small cap index instead of total to give y...
by mhalley
Wed Mar 05, 2014 2:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement looming
Replies: 6
Views: 1145

Re: We are selling our home and renting

I don't see how a home that you both bought after you got married could be a fly in the ointment. Assuming it is titled as joint tennants with rights of survivorship, what could possibly go wrong? I could see how if it was a legacy house with an ex or kids expecting to inherit it that it could be a ...
by mhalley
Wed Mar 05, 2014 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: We are selling our home and renting
Replies: 3
Views: 824

Re: How early to purchase plane tickets?

Clark howard usually has the answer to this, i know i have heard him talk about it before. I do recall that he recommends breaking the trip up if you are flying from the east coast, ie book flight from ec to ca, then ca to hi.
Mike
by mhalley
Tue Mar 04, 2014 4:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How early to purchase plane tickets?
Replies: 15
Views: 1520

Re: Best way to safely increase expected returns

There is no easy answer here. The only way to increase the return of the portfolio is to increase the risk. You do this by either increasing the stock to bond ratio, or by tilting the portfolio. There is NO WAY to increase the returns WITHOUT increasing the risk. If you used the rule of 72, if you d...
by mhalley
Sat Mar 01, 2014 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 2133

Re: Vanguard Total International Stock vs Dodge & Cox Int'l

Dodge and Cox is a great fund, I own it myself. That being said, you are letting recent performance guide your thinking. There will be many periods where a fund will outpeform its index, but as you said there will utimately be a reversion to the mean. Will that be next, year, 5 yrs, 10, 20 yrs? who ...
by mhalley
Sat Mar 01, 2014 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock vs Dodge & Cox Int'l
Replies: 23
Views: 2344

Re: Moving vs expanding existing house

If you remodel are you ever planning on moving, say to downsize or move to a warmer clime? If you were to move, does it matter that you get your moneys worth out of the remodel? If your house is already at the top of the price range in your neighborhood, if you raise its value significantly you migh...
by mhalley
Fri Feb 28, 2014 6:43 am
 
Forum: Personal Consumer Issues
Topic: Moving vs expanding existing house
Replies: 4
Views: 470

Re: VG TM Balanced or an equivalent combo for taxable?

I would go with the combo funds as opposed to the single fund due to the ability to do the tax loss harvesting. I think vanguard has elilminated the redemption fees on the tax manged funds, don't know if the tax managed fund would be that much different than total stock market, their graphs seem to ...
by mhalley
Thu Feb 27, 2014 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: VG TM Balanced or an equivalent combo for taxable?
Replies: 7
Views: 464

Re: LED lightbulbs

The philips hue bulb looks interesting, lots of research being done on how the color of lighting affects health, but boy is it exspensive.
Mike
by mhalley
Sun Feb 23, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 186
Views: 13748

Re: Questions about purchasing Florida vacaton home

I too am considering buying property in Fl. For those here that used a realtor in fl. how did you find them? Did you use a buyers agent?
Mike
by mhalley
Sat Feb 22, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about purchasing Florida vacaton home
Replies: 9
Views: 979

Re: ASPCA vs Humane Society

Ditto the horrible husa solicitations. We gave several years ago and I am sure they have spent 50 times what we gave on trying to get us to give again.
I vowed never to give them another penny.
Mike
by mhalley
Wed Feb 19, 2014 2:31 am
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1659

Re: What auto loan do you have?

A few years ago I got a car loan through my auto insurance at State farm, they had a competetive rate at that time. If she has SF for insurance, that might be worth checking into.
Mike
by mhalley
Sun Feb 16, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What auto loan do you have?
Replies: 14
Views: 1153

Re: Cheap reading for a senior - Kindle or regular books?

While you won't get current nyt best sellers, check out https://www.bookbub.com/landers/index2.php?source=gakn356&gclid=CLC03LWszbwCFfBj7Aod3x0AEg You put in what types of books you like (23 different catagories, from cooking to erotic fiction), and get a daily email of cheap or free ebooks. Mul...
by mhalley
Sat Feb 15, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 2401

Re: Need Behavioral Advice (Senior Nutrition)

How about making some smoothies? Supposedly you can add some kale or spinach etc withoot affecting the taste. Some berries, blueberrys, cherries, kale and greek yogurt would be very nutritious and delicious. There are plenty of recipes on the net.
Mike
by mhalley
Tue Feb 11, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 33
Views: 1698

Re: becoming a snowbird

Thanks for the advice. Not really thinking about using the friends relative, at least not until i had a chance to vett other options. We have pit bulls so will probably need more of a single family home as opposed to a retirement community due to general misunderstanding of the breed, plus we like p...
by mhalley
Tue Feb 11, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 3287

becoming a snowbird

Thinking of retiring at the end of the year, and interested in becoming a snowbird. My wife has friends in the Mt Dora area of Fl, so we have been looking at homes online. Will be hampered by the distance in looking at houses that meet our specs, so I am considering looking for a buyers agent, but d...
by mhalley
Tue Feb 11, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 3287

Re: Thank you! now what?

So you are currently at 100k in a taxable account and reluctant to invest due to fear that the market has peaked, so therefore the day after you invest it will drop preciptiously. If that is your fear, then I would recommend you figure out your asset allocation, and dollar cost average your portofli...
by mhalley
Mon Feb 10, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Thank you! now what?
Replies: 2
Views: 628

Re: Super newbie; Help me with my 401k?

If the 2050 fund is only .44%, that is not terrible. Certainly you could make it a little better by going with a 3 or 4 fund portfolio uising the S&P500, total intl and bond index, with perhaps adding the midcap index to give you a little tilt. IF you really have Fidelity as a 401k, then you sho...
by mhalley
Mon Feb 10, 2014 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Super newbie; Help me with my 401k?
Replies: 13
Views: 870

Re: NYCC (Powershares Century ETF)

Thanks for the article, interesting reading. I was looking at the company list, and saw some companys that seemed odd to be listed as a century old co. Level three communications? I had to go the their website to see that it was founded in 1985 as a subsidiary of a co that had been around for a hund...
by mhalley
Sun Feb 09, 2014 3:10 am
 
Forum: Personal Finance (Not Investing)
Topic: NYCC (Powershares Century ETF)
Replies: 4
Views: 308

Re: CPU speed

Adding some more ram should def help speed thinngs up. Only if u are running 64bit tho. You can also tweak your windows settings so it doesn't do all the bells and whistles. There are multiple guides on how to tweak win 7 for performance.
Mike
by mhalley
Sat Feb 08, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: CPU speed
Replies: 43
Views: 2630

Re: GNMA....Sell or hold

For the poster that mentioned Bob Brinker, he has sold his gnma funds in his market timer portoflios.
I heard him mention this on Money talk the other day. Since I don't subscribe, I don't know when he made the call to sell them.
Mike
by mhalley
Sat Feb 08, 2014 8:08 am
 
Forum: Investing - Theory, News & General
Topic: GNMA....Sell or hold
Replies: 37
Views: 2999

NYCC (Powershares Century ETF)

Came accross an article on msn about this etf that invests in stocks that have been around for a century. 0.5% Er, With a broad market cap mix. I think it is equal weighted. "The PowerShares NYSE Century Portfolio (Fund) is based on the NYSE Century IndexSM (Index). The Fund will normally inves...
by mhalley
Sat Feb 08, 2014 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: NYCC (Powershares Century ETF)
Replies: 4
Views: 308

Re: Just got a free consultation by Personal Capital. Though

you might consider changing your roth to a better performing fund, ie stocks, since you will want it to appreciate the most to take advantage of its tax advantage, either half ot the s&p 500 from the 401k. Just a thought.
Mike
by mhalley
Wed Feb 05, 2014 2:58 am
 
Forum: Investing - Theory, News & General
Topic: Just got a free consultation by Personal Capital. Thoughts?
Replies: 49
Views: 4804

Re: Worth going to state's new account

I took a quick glance at the ntf fund list, wow, most of the ers are over 1 percent. the best I saw on quick perusal was .76 for a target date fund. (alliance bernstein) (assuming I have the right ntf fund list, I got it at http://www.myfrs.com/imageserver/pdf/investmentfunds/HFS_NTF_Fund_List.pdf Y...
by mhalley
Wed Jan 29, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth going to state's new account
Replies: 3
Views: 312
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