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Re: Where would you retire, if $ were no object?

why settle on just one place - why not live on the World?

Image

:happy
by smiley
Wed Apr 23, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19320

Any experience with owner financing home sale?

Much gratitude for all the wonderful advice already received on this board! Am hoping someone with experience with owner financing a home sale might share some insight with regards to our particular situation.... My brother was forced to move out of state for work in 2009, and the real estate market...
by smiley
Sat Feb 08, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any experience with owner financing home sale?
Replies: 2
Views: 258

Re: High Income Earner & College Attended

voted elite, although nobody has ever heard of williams college.

:happy
by smiley
Tue Jan 14, 2014 6:45 am
 
Forum: Personal Consumer Issues
Topic: High Income Earner & College Attended
Replies: 58
Views: 4291

Re: What does a Bogle TV look like?

clearly, it should be (one of) the best rated flat panel TVs at a fraction of the cost of the other brands.....hello oCosmo..

http://www.fool.com/investing/general/2013/12/28/the-mysterious-company-behind-the-best-selling-tv.aspx

:happy
by smiley
Thu Jan 02, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4388

Re: VWO seems cheap right now

livesoft wrote:Any takers today? :)


you're just messing with us, aren't you? the 3.18% drop so far today alone doesn't qualify this as a RBD yet, right?

:happy
by smiley
Thu Jan 02, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 125
Views: 14241

Re: Newly Married - Newbie Looking at Both of Our Investment

i feel compelled to say that this thread is another perfect example of why this forum is hands down the most awesome investing resource around. within ~24 hours OP gets detailed advice/instructions including links to additional resources to dramatically simplify and better diversify his family's por...
by smiley
Sat Dec 07, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married - Newbie Looking at Both of Our Investments
Replies: 17
Views: 1645

Re: Average Yearly Raises?

I used the wage of $4.25/hour (what I recall earning at one point around 1988 as a sacker at the local grocery store) and a 15% annual growth rate = $291K 25 years later. One would certainly see a giant step-up in salary when changing jobs from grocery clerk to (say) neurosurgeon, but it's not a &q...
by smiley
Sat Nov 23, 2013 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5519

Re: [Can you recommend]A spectacular movie, and a terrible m

don't know if it's already been listed, but The Party with Peter Sellers was a spectacular film.

http://www.youtube.com/watch?v=_ov5fvCHmxo

Birdie num nums....kills me every time.

:happy
by smiley
Mon Nov 18, 2013 4:03 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10225

Re: how much more expensive is a bigger home?

Another thing: People get cheaper repairs bids the lower scale neighbor you live in to my experience, it's just how it seems to go. +1. it amazed me when i left an older smaller home with >1 ac yard to a larger newer home with <0.5 ac yard (mostly hardscaped) that landscaping costs actually went up...
by smiley
Mon Nov 18, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: how much more expensive is a bigger home?
Replies: 68
Views: 5052

Re: Would you cancel a term life policy in my position?

b. If DW was to pass early, there'd be no insurance, but with our savings and my [higher] income, we should be OK. IOW, I don't think I would have go back to full employment. Based on this, would you guys continue paying the term life? It seems like we can self-insure since we have minimal any debt...
by smiley
Thu Nov 07, 2013 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you cancel a term life policy in my position?
Replies: 19
Views: 1619

Re: Men's Leather Belt: Recommendations?

gatorking wrote:http://www.llbean.com/llb/shop/502855
The LL Bean prices and guarantee should work for you.


:happy
by smiley
Fri Nov 01, 2013 7:45 am
 
Forum: Personal Consumer Issues
Topic: Men's Leather Belt: Recommendations?
Replies: 45
Views: 5000

Re: Men's Leather Belt: Recommendations?

LL Bean belts have lasted me 5 years+ with daily wear.
Although not cheap at $40-50, they do stand by their 100% lifetime satisfaction guarantee.

:happy
by smiley
Fri Nov 01, 2013 7:44 am
 
Forum: Personal Consumer Issues
Topic: Men's Leather Belt: Recommendations?
Replies: 45
Views: 5000

Re: Poll: How conservative/aggressive is your AA for your ag

columbia wrote:45 and 80%.
I generally considered that to be on the aggressive side....Interesting.


i guess age in bonds (close to where I am) is ultra-conservative.

:happy
by smiley
Thu Oct 31, 2013 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 6287

Re: Mini Cooper or Fiat 500?

motortrend did a comparison of the two (not s model or abarth) along with honda cr-z, hyundai veloster, vw bug and scion tC in 2012. http://www.motortrend.com/roadtests/coupes/1202_mini_cooper_vs_scion_tc_vs_honda_crz_vs_volkswagen_beetle_vs_hyundai_veloster_vs_fiat_500_comparison/ cooper won. :happy
by smiley
Wed Oct 30, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 4297

Re: Rebalance and Pay The Piper (Tax Man)?

if you follow 5/25 rebalance bands, do you have to rebalance at all? and if you do, do you rebalance fully to target or just to safely within your bands?

:happy
by smiley
Sun Oct 27, 2013 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and Pay The Piper (Tax Man)?
Replies: 47
Views: 2417

Re: Which Med school?

First off, congratulations Ram! I'm sure your daughter will see many more acceptances in the weeks to come. I was lucky enough to graduate from a med school where my late father was faculty, and was honored to actually receive my degree from him. You must be very proud! I do have a question about an...
by smiley
Sun Oct 20, 2013 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12764

Re: Why are so many physicians unhappy with their careers?

another physician here. medicine is changing, i suspect more than it has in quite some time. i would imagine that there will always be people unhappy with change. i've been in practice for roughly a decade. i realize that nothing else that i could do would give me as much satisfaction or pay me as w...
by smiley
Sun Oct 13, 2013 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are so many physicians unhappy with their careers?
Replies: 110
Views: 7399

Re: In the immortal words of Jean Paul Sartre, Au revoir, go

thanks for the tip skiandswim - i'll give it a shot. i looked at some cinch traps today, and i'm not sure i can do that. loud noise would be a good start.

i hope what befalls Tobey Maguire in that movie is nowhere in my future.

:happy
by smiley
Sun Sep 08, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: In the immortal words of Jean Paul Sartre, Au revoir, gopher
Replies: 11
Views: 1466

Re: In the immortal words of Jean Paul Sartre, Au revoir, go

I'm very fond of the gopher who lives in my yard. i was too, until i saw burrow activity so close to the house. we also have cute bank beavers that are fun to watch, but that doesn't stop us from putting chicken wire around our tree trunk bottoms to protect them from being chewed through. :happy
by smiley
Sat Sep 07, 2013 5:31 pm
 
Forum: Personal Consumer Issues
Topic: In the immortal words of Jean Paul Sartre, Au revoir, gopher
Replies: 11
Views: 1466

Re: In the immortal words of Jean Paul Sartre, Au revoir, go

pretty cool, the Rodenator looks like a lot of fun. unfortunately, the wife has seen caddyshack, and has specifically requested a non-explosive solution.

:happy
by smiley
Sat Sep 07, 2013 5:20 pm
 
Forum: Personal Consumer Issues
Topic: In the immortal words of Jean Paul Sartre, Au revoir, gopher
Replies: 11
Views: 1466

Re: In the immortal words of Jean Paul Sartre, Au revoir, go

VictoriaF wrote:How does the gopher get around Sartre's No Exit?

Victoria


he does as Phil Connors does in Groundhog Day.

:happy
by smiley
Sat Sep 07, 2013 4:35 pm
 
Forum: Personal Consumer Issues
Topic: In the immortal words of Jean Paul Sartre, Au revoir, gopher
Replies: 11
Views: 1466

In the immortal words of Jean Paul Sartre, Au revoir, gopher

do any Bogleheads have experience with ridding their yard of groundhogs? found this in my side yard.... http://i43.tinypic.com/2nrh36o.jpg it measures roughly 1 x 2 feet. don't believe this is a septic issue. other neighbors have seen similar holes in their yards that they believe to be the work of ...
by smiley
Sat Sep 07, 2013 1:50 pm
 
Forum: Personal Consumer Issues
Topic: In the immortal words of Jean Paul Sartre, Au revoir, gopher
Replies: 11
Views: 1466

Re: My firecalc need for certainty

Yes, but if you include life expectancy from birth, you get all sorts of confounding aspects of birth-related changes. If you really want to see the right numbers, consider the projected life expectancy only from 65 forward. After all, aren't you considering the difference in RETIREE longevity only...
by smiley
Fri Sep 06, 2013 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: My firecalc need for certainty
Replies: 20
Views: 1571

Re: My firecalc need for certainty

Most of that 13 year increase is due to the fact that you actually survived to age 40. A bit of Googling found that life expectancy for an 85 year old male in 1900 was 3.8 years, while in 1997 it had only risen to 5.5 years, a surprisingly small increase imo. but a look at the cdc numbers from the ...
by smiley
Fri Sep 06, 2013 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: My firecalc need for certainty
Replies: 20
Views: 1571

Re: My firecalc need for certainty

No you are not the only one. What I find especially funny is the lack of longevity-awareness on the part of many Bogleheads. To me it's easy to grok that a 90% chance of "success" to age 100 is arguably enough... if I have a 10% chance of making it to 100 (optimistic) then a 90% chance of...
by smiley
Fri Sep 06, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: My firecalc need for certainty
Replies: 20
Views: 1571

Re: Am I Crazy to Hang on to LT Muni Bond Funds?

Do you have a capital gain or loss in the fund? Do you practice TLH? No you're not crazy if it fits what your IPS says - do you have an IPS? Have your read it recently? If you have a LT loss in it and want to practice TLH - sell it and immediately purchase ST, wait 31 days, and in that time reevalu...
by smiley
Thu Sep 05, 2013 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Hang on to LT Muni Bond Funds?
Replies: 37
Views: 3221

Re: TLH - triggers?

another question for the seasoned board member.... would the prospect of holding onto a less ideal (eg higher ER as in VSS vs SCZ) fund until the next TLH possibility (conceivably for years) discourage one from jumping at the chance to reduce one's taxable income $100-$200? in principle, i like the ...
by smiley
Thu Aug 29, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH - triggers?
Replies: 11
Views: 715

Re: TLH - triggers?

I've only done it a couple of time. Both times were during severe market downturns (2000 and 2009) and it just made sense to do so. I knew I would TLH enough to carry forward 3-4 years. I probably wouldn't bother if it were for only a couple hundred dollars. A few hundred dollars drop in overall in...
by smiley
Thu Aug 29, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH - triggers?
Replies: 11
Views: 715

Re: TLH - triggers?

Here are some thoughts in another thread: http://www.bogleheads.org/forum/viewtopic.php?t=55747 i apologize for not performing an adequate forum search, and truly appreciate your memory of 3 year old threads. your thoughts are most informative, and I cannot thank you enough for all of your contribu...
by smiley
Thu Aug 29, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH - triggers?
Replies: 11
Views: 715

TLH - triggers?

wondering what your threshold might be for going through with TLHing. is there a set $ amount or % that a holding falls before you consider proceeding? for those that do TLH, do you TLH most years, or only with Great Recession-like drops? as an accumulator, I direct new contributions every month or ...
by smiley
Thu Aug 29, 2013 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH - triggers?
Replies: 11
Views: 715

Re: Physician(s) changing Jobs - Advice

If you go this route, a common arrangement is for the current owners to simply deduct $250,000 from your paycheck spread over 5 years so you wouldn't need to take out another loan. In this type of arrangement, I assume one would need to report and pay tax on the $250,000 held from the paycheck and ...
by smiley
Sat Aug 10, 2013 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician(s) changing Jobs - Advice
Replies: 20
Views: 2524

Re: Conflicted About Expected Lifestyle Creep

So my question to you all is: How have others on this forum dealt with a significant, acute increase in income, not a steady increase over a long time period? I know there are other Ph.D.'s and M.D.'s on this forum. The typical response to M.D. residents becoming attendings is to live like a reside...
by smiley
Wed Jul 24, 2013 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 5788

Re: [Can you recommend]A spectacular movie, and a terrible m

LadyGeek wrote:How about a spectacular first movie, then a terrible sequel?


Rocky vs Rocky II-V

Rambo vs Rambo II-IV
by smiley
Sat Jul 13, 2013 1:44 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10225

Re: NYC, Philly, Boston, or Chicago?

55K is not liveable in NYC, you're going to have to live in Hoboken, Astoria, or one of the less desireable areas in Brooklyn even if you contribute nothing to retirement unless of course housing is subsidized by the hospital/training program - Cornell offers amazing housing Upper East Side for che...
by smiley
Sat Jul 13, 2013 10:21 am
 
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 6576

Re: NYC, Philly, Boston, or Chicago?

I spent my 20s in Manhattan for 4 years then Center City Philly for 4 years. I had a 30-40k income in NYC and 40-60k income in Philly while doing residency and fellowship training. I worked hard, but I had so much fun (maybe a little too much at times) when I wasn't working. While 50-55k isn't a lo...
by smiley
Sat Jul 13, 2013 10:01 am
 
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 6576

Re: NYC, Philly, Boston, or Chicago?

I spent my 20s in Manhattan for 4 years then Center City Philly for 4 years. I had a 30-40k income in NYC and 40-60k income in Philly while doing residency and fellowship training. I worked hard, but I had so much fun (maybe a little too much at times) when I wasn't working. While 50-55k isn't a lot...
by smiley
Sat Jul 13, 2013 9:42 am
 
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 6576

Re: Tax Harvesting VWLUX - Vang LT Tax Exempt

thanks once again Mr Grabiner.
:happy
by smiley
Sun Jun 30, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvesting VWLUX - Vang LT Tax Exempt
Replies: 8
Views: 797

Re: Tax Harvesting VWLUX - Vang LT Tax Exempt

^Sorry, but that's not my understanding. One way to look at this is to consider a hypothetical situation: Investor buys a $10,000 of a tax-exempt muni bond fund. The next day the fund pays out a $5,000 tax-exempt dividend and the NAV drops leaving the value of the purchased shares at $5,000. The in...
by smiley
Wed Jun 26, 2013 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvesting VWLUX - Vang LT Tax Exempt
Replies: 8
Views: 797

Re: Lets get rid of car dealerships

Tesla is trying to combat this with company owned showrooms, kind of like an apple store. I visited one and was impressed by the knowledge, and no hassle attitude of the sales people. That being said, they are involved in many legal battles because they are technically not supposed to have their ow...
by smiley
Mon Jun 10, 2013 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Lets get rid of car dealerships
Replies: 58
Views: 4579

Re: One doc's interesting revolt against the payment system

as a medical oncologist, i see no easy way to accomplish this. we have no way to control the cost of new biologic chemotherapy agents, other than to not give them. i forsee some very tricky ethical decisions to be made in the near future with regards to cancer care. Prostate cancer is a case in poi...
by smiley
Fri May 31, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5588

Re: One doc's interesting revolt against the payment system

The future Successful MDs will be those who manage total cost of care and outcomes ..... Getting paid for doing an isolated service will be a difficult niche to sustain. Episode management that cuts out the fluff can save pts and the system a fair amount. as a medical oncologist, i see no easy way ...
by smiley
Fri May 31, 2013 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5588

Re: Ready to buy a house....

nicely done xram.

:happy
by smiley
Fri May 31, 2013 9:29 am
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5616

Re: Tesla S

I dabble in a few stocks, even though I buy mostly index funds. Tesla is one of the few stocks I bought after an acquaintance took me for a ride in his new Tesla S. The only objection I had was that he kept stepping on the accelerator and going "whoopee" while my head snapped back. When h...
by smiley
Thu May 30, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 511
Views: 53765

Re: Financial Literacy Must Be Taught!

it should be part of the medical school curriculum, it's amazing how unsophisticated and unknowledgeable the physicians I work with are with regards to investing. What part of medical school curriculum would you replace with financial training? Obviously simply adding it is not a reasonable alterna...
by smiley
Wed May 29, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Must Be Taught!
Replies: 55
Views: 3335

Re: How Much Did You Spend on Your Engagement Ring??

16.67% of gross income bought my wife a very nice tiffany ring. i'm certain that the blue box was half the cost.
happy wife, happy life.

:happy
by smiley
Tue May 07, 2013 6:24 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20589

Re: SUV recommendations

same situation as you with 2 kids under 5. we owned the MDX - was a very good car, a true workhorse. downside to the '08 model we had was single tv screen flipped down from above creating a weird angle for kids to watch on long trips. does the X5 even have a 3rd row? to be honest, we used the 3rd ro...
by smiley
Sun May 05, 2013 8:45 pm
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4228

Re: TBM ER drop?

and now the message has magically vanished.
someone is definitely messing with me.

:happy
by smiley
Mon Apr 29, 2013 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: TBM ER drop?
Replies: 2
Views: 532

TBM ER drop?

i'm way confused. has anyone else who owns VBTLX seen this message at the vanguard website? As of 04/29/2013, the expense ratio on your Vanguard Total Bond Market Index Fund Admiral Shares has dropped from 0.14% to 0.1%. thing is, the ER was 0.1% before and seems to still be 0.1%. i don't remember i...
by smiley
Mon Apr 29, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: TBM ER drop?
Replies: 2
Views: 532

Re: [physician wants to explore career options]

i think others may have misunderstood your first question - if you have 25x expenses at 45, and don't plan on drawing from it but not adding to it while supporting yourself with spouse's income and your own with other venture, i suspect you'd be fine. at 40, i've had similar thoughts to your own. i'...
by smiley
Wed Apr 24, 2013 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 8395
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