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Re: taking break from computer use - to avoid back pain

I would recommend paying attention to how long you can sit before the pain starts. Then bring a kitchen timer and put it on your desk. Set it to go off 10 or so minutes BEFORE the time your pain starts. You will find that just getting up and walking to the bathroom or to get a drink of water is ofte...
by staythecourse
Sat Apr 25, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 495

Re: Physicians: What's your vacation policy?

Because vacation is something that's written in the contract, shouldn't there be a mutual agreement to change it? I am not a lawyer, but great point. To change it they will have everyone sign new contracts. The only other option is to say no which means you get fired. America is a "at will&quo...
by staythecourse
Thu Apr 23, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2740

Re: Physicians: What's your vacation policy?

How about just asking why they are making this decision? We did, and were told this is how it is for non-physicians and they want to make it uniform across the organization. A follow up question from us was why it had to be the same for everyone, and the response was that it was board's decision. Y...
by staythecourse
Thu Apr 23, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2740

Re: Physicians: What's your vacation policy?

I am not sure anyone is going to like that change in policy except for the employer. Just curious does this only apply to the physicians OR all of the employees of the company? There are some advantages of such a policy for the employer in regards to termination pay if an employee fires or resigns. ...
by staythecourse
Wed Apr 22, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2740

Re: Best home mortgage lenders?

I have nothing to add, but have had NOTHING but bad to say about my experiences with lenders. I have closed on 2 properties and refi 3 times total and have used 4 different people and have NOT been happy with any of them. I've used brokers AND internet and have nothing good to say. It is the ONE are...
by staythecourse
Wed Apr 22, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 24
Views: 2330

Re: Wife would like employment advice from the Bogleheads

I would say on paper the VA job is superior. It is more secure (government job and VERY hard to get fired), same pay, AND excellent benefits. The big issue is if her personality will mix with the VA personality. No offense, to others out there, but all the VA and county folks I have met out there ar...
by staythecourse
Wed Apr 22, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 2949

Re: Potential new home is well-priced, but...

Well it looks like the answer is simple... You can't afford it. "Affording" in relation to a house is not JUST mortgage (which is already at the high point of what you can afford), but utilities, property taxes, and insurance. I am not sure why folks don't put ALL of that into an annual nu...
by staythecourse
Tue Apr 21, 2015 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Potential new home is well-priced, but...
Replies: 31
Views: 2727

Re: Warren Buffett on equties, treasuries, and "risk"

Mr. Buffett is saying nothing new. I have been saying the same thing for A LONG time and no one quotes me. :D Even though it is great confirmation bias to read he agrees with my logic it still doesn't mean anything at all. If logic was all that was needed to be a great investor then the investment r...
by staythecourse
Tue Apr 21, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on equties, treasuries, and "risk"
Replies: 46
Views: 4225

Re: Cash as an asset class?

Yes cash is an superasset class. David Darst in his book, "Art of Asset Allocation" has cash as a separate asset class. He defines superasset classes as securities that are different in risk, return, and correlation coefficient. He has: MM, bank accounts, CD's, any ultra short term bond up...
by staythecourse
Tue Apr 21, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 32
Views: 2485

Re: My job says I can't work for anyone else...

Anti-competitive clauses, in general, can not be enforced in the following sense: unless the enforcing side (current or former employer) has substantial contractual consideration for the employee, the anti-competitive clause simply won't stand. I'm sorry that is not correct. In Illinois active cons...
by staythecourse
Sun Apr 19, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6069

Re: My job says I can't work for anyone else...

As for the reason to pursue a side gig. This job is a W2. Most docs want a W2 for whatever reason, I'm guessing because they don't want to navigate the taxes themselves. However this puts a big burden on me tax-wise. I can do the same job, see the same patients and get a 1099 and offset my taxes. U...
by staythecourse
Sun Apr 19, 2015 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6069

Re: My job says I can't work for anyone else...

I'll give you my two cents after going through legal issues with my last employer in regards to enforceability of contracts and such. Thankful for google and google scholar A LOT can be learned through independent research even without legal representation. So the quick answer is YES if you sign a c...
by staythecourse
Sat Apr 18, 2015 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6069

Re: Career and college advice for current HS students

Decide your career BEFORE deciding your major. 100% agree. The problem is we have become TOO much of a pro liberal arts education. The problem with that is it is NOT how the real world works. In the real world folk want to employee folks with USABLE skills/ knowledge. There are many parts of the wo...
by staythecourse
Fri Apr 17, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2592

Re: Help with ideas to buy a home in a hot market

I'll take a different angle on this one. Why do you HAVE to move? Needing more space should be rephrased as WANTING more space. Unless one is living in a one bedroom and having twins and/ or taking in elderly parents I don't see a situation you direly need to move. Thinking about cashing in ones tax...
by staythecourse
Thu Apr 16, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with ideas to buy a home in a hot market
Replies: 14
Views: 1576

Re: Real Estate Crowdfunding

Some due diligence is very basic. When a publicly traded company such as Cracker Barrel restaurants files a report with the SEC and claims to have 630 restaurants, someone from an auditing company has actually gone out and verified that each of those restaurants actually exists and is in business (...
by staythecourse
Thu Apr 16, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Crowdfunding
Replies: 16
Views: 1449

Re: "Don't Let Your Portfolio's Insurance Lapse"

I don't think one should or should not have bonds "just because". It should be based the same criteria to determine one's asset allocation in the first place, i.e. willingness, ability, and need to take risk. Here are two examples: 1. A couple retired from the federal service with DB pensi...
by staythecourse
Thu Apr 16, 2015 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: "Don't Let Your Portfolio's Insurance Lapse"
Replies: 2
Views: 818

Re: How's my diversification?

Your most important decision is your allocation between stocks and fixed income. Never lose sight of this ratio. More than anything else, it determines your expected risk and expected return. Absolutely correct. The allocation to the superasset classes (stocks/ bonds/ cash/ alternative investments)...
by staythecourse
Thu Apr 16, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How's my diversification?
Replies: 7
Views: 806

Re: Real Estate Crowdfunding

How do you do any due diligence? Do you look for projects near you and drive out there to look them over? With publicly traded companies, the SEC has done a certain amount of due diligence, and the people supplying the information are subject to significant criminal penalties for lying. I would be ...
by staythecourse
Thu Apr 16, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Real Estate Crowdfunding
Replies: 16
Views: 1449

Re: Anxiety about market fluctuations

Why don't you tie in how much to have for discreationary spending vs. saving based on how the market is doing. Meaning "IF my portfolio falls by X% then I will cut back on my fun money by Y%" Of course, you have to figure out what X and Y are for you and what you feel comfortable with. Thi...
by staythecourse
Thu Apr 16, 2015 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1132

Re: Real Estate Crowdfunding

I think (no experience mind you) is that one is taking on many risks just like private equity, hedge funds, partnerships that buy farmland, partnerships that buy timber, etc... In so specific order there are issues of manager risk, illiquidity, nontransparency, etc... Again all of this and not even ...
by staythecourse
Wed Apr 15, 2015 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Crowdfunding
Replies: 16
Views: 1449

Re: Do REITs really offer effective portfolio diversificatio

For example, if you contemplated having 10% in REITs you could have substituted about 6.5% SCV and 3.5% LTT to get the same results. Instead of REITs, just add a little SCV and lengthen the term of your bond holdings a bit -- same diff Oh dear lord. These type of lines always reminds me of Alexande...
by staythecourse
Wed Apr 15, 2015 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 38
Views: 3556

Re: [random politician said] terrible crash is coming

title edited so thread doesn't keep getting reported I find it curious why one would need to edit any thread with "terrible crash coming"? Does it matter who said it? I thought we have already decided decades ago that market timing is a losers game EVEN if someone was accurate with their ...
by staythecourse
Wed Apr 15, 2015 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8355

Re: Roth IRA for Teeneagers

I'm changing my will: It all goes to charity. Just curious if you are being serious. If so, have you had that discussion with your kids? My personal goal has always to set up an endowment fund for some charity and let the kids sit on the board so in the end I don't plan on leaving them much either ...
by staythecourse
Wed Apr 15, 2015 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA for Teeneagers
Replies: 24
Views: 1438

Re: Vanguard Legal Group Invitation?

Wow I didn't even know Vanguard had a Legal Group to help in wills and trusts???

I need that. Any contact info. would be appreciated so I can see who is in my area.

Thanks in advance.
by staythecourse
Wed Apr 15, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Legal Group Invitation?
Replies: 8
Views: 895

Re: Raising well-adjusted children when you're "rich"?

Well I can tell you what happened when I grew up. I remember being in 3rd or 4th grade and watching t.v. waiting for dinner to get done. My dad was watching the news and it had a segment showing the highest paying jobs in America. His specialty as a physician showed up as number 4 or so highest payi...
by staythecourse
Wed Apr 15, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3465

Re: Career and college advice for current HS students

If one is interested in healthcare and is reasonably good at school: Nurse practitioner and physician assistants. If one does not like school: Vocational school, i.e. welder, plumber, electrician, etc... If one is lazy and just wants to coast: Government job, VA job, union jobs, etc... (where it is ...
by staythecourse
Mon Apr 13, 2015 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2592

Re: Unsolicited offers to buy your house

It could be that your property is in a hot market where there's not enough inventory. This is our situation. Every month or so we get a letter in the email from a real estate agent asking if we want to sell as they have clients looking to buy in our area. I am assuming the OP is NOT talking about t...
by staythecourse
Sun Apr 12, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2024

Re: Is not utilizing taxable space for long-term investing w

There are too many variables to predict for the future (future ordinary rates, future LTCG rates, dividend tax rates, RMD changes, step up basis law not changing, etc...) to even try to predict what WOULD have been the ideal. Unfortunately, investing like life is done going forward and NOT in the re...
by staythecourse
Sun Apr 12, 2015 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is not utilizing taxable space for long-term investing wise?
Replies: 11
Views: 1203

Re: Cost of College & Weighing the Merits of Top Schools

Wow after 5 pages of discussion I still have not seen ANY data to support sending kids to "top schools" do better qualitatively via "life experiences" or any advantage of moving to higher paying positions in companies. We already know the data shows NO correlation to expense of s...
by staythecourse
Sun Apr 12, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Household Gross Income Poll

Just curious why we even care about household gross income or even AGI? I think the annual numbers we should be caring about are: Amount of dollars saved per year and amount of dollars spent per year. The first is useful in the accumulation phase and the second in the withdrawal phase or right befo...
by staythecourse
Sun Apr 12, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12537

Re: Jane Bryant Quinn: Prepay your mortgage

Sorry if I am repeating someone else pointed out, but this thread should be asterisked with preventing having a unruly mortgage is MORE important then prepaying one's mortgage. In the former not only would you not feel the high pressure to having to prepay mortgage going into retirement AND leave mo...
by staythecourse
Sun Apr 12, 2015 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3686

Re: Household Gross Income Poll

Just curious why we even care about household gross income or even AGI? I think the annual numbers we should be caring about are: Amount of dollars saved per year and amount of dollars spent per year. The first is useful in the accumulation phase and the second in the withdrawal phase or right befor...
by staythecourse
Sun Apr 12, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12537

Re: Household Gross Income Poll

I've done enough of these polls to know that there is always something you didn't think to include that it's just best to leave that sort of option. The results of the poll were about what I expected...after 125 responses, only 3% of Bogleheads earn less than the median US household income. It's li...
by staythecourse
Sun Apr 12, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12537

Re: how to deal with it [regret over past investing choices]

I'm sorry to be the bearer of bad news, but your financial issues have NOTHING to do with putting money in CD vs. investing in a bogleheads approach. You lost money through poor decisions and divorce. That is not the same as, "I only have x amount as it was in CD's vs. y amount in a 3 fund appr...
by staythecourse
Sun Apr 12, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5760

Re: Kitchen upgrade - granite selection help

home remodeling/ interior decorating is my next passion after personal finance. I spent 6 months thing of replacing my granite countertops just because I didn't like them, but finally gave up as I was not "inspired" enough with anything I saw to justify the money. In my experience, take on...
by staythecourse
Thu Apr 09, 2015 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4299

Re: Am I part of the problem??

A job is a job. If you have a better opportunity to go elsewhere great, but you number one priority is to your family to put a meal on the table and roof over their heads WITHOUT doing anything illegal. I think you can check that box.

Don't worry about it.

Good luck.
by staythecourse
Thu Apr 09, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8723

Re: Cost of College & Weighing the Merits of Top Schools

Yet not all things in life can be reduced to quantifiable metrics. I certainly think an education -- the shaping of one's life and way of thinking and growth to a full, adult human, not merely credentialing towards some future earning potential -- is always one of them. At least for me, not sure of...
by staythecourse
Thu Apr 09, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

Just to throw a monkey wrench into the whole conversation. The talk has all been how much can Elite schools help your kids in the end in their career placement, but no discussion on the flip side, i.e. Elite schools hurting your kids future chances. How many folks do you think that are excellent stu...
by staythecourse
Thu Apr 09, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Paid two co-pays to doctor for one procedure. Question.

Nothing nefarious was done. If your insurance requires a copay for OFFICE visits then yes you have to pay each time as you are sharing the cost with the insurance company, i.e. your the co-insurer. Just make sure that your card says you have copays for procedures as well. Most PPO's have copays for ...
by staythecourse
Wed Apr 08, 2015 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid two co-pays to doctor for one procedure. Question.
Replies: 7
Views: 603

Re: Cost of College & Weighing the Merits of Top Schools

I think most of us on here would agree, if not at least concede, if your child is truly a >2 S.D. child and gets into the Elite of Elites AND has high aspirations career wise (thus requiring graduate school) then yes they should go. The rub lies in the fact most are way too bias that their little Jo...
by staythecourse
Wed Apr 08, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

The problem with letting an 18 year old make such huge decisions is that you are letting an 18 year old make huge decisions. I would say it isn't that 18 year olds are making decisions, but not utilizing the resources around them to make SMART, EDUCATED decisions. How could one expect an 18 year ol...
by staythecourse
Wed Apr 08, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

Yes. I suppose the middle ground students from MIT and State U might be different, but I don't hire either. If you hire the top students from either you get really smart well educated folks, and then the difference is personality, drive, ability to deal with ambiguity, ability to work in a team, co...
by staythecourse
Tue Apr 07, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

The most important factor in how successful your child will be in life and in college is THEM. Not the school, not the degrees, not the major. Who your child is as person is more important than anything else. Do they have a work ethic? Integrity? Determination? These factors will carry them further...
by staythecourse
Tue Apr 07, 2015 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

The educational opportunity differences at a Penn vs a Penn State can't be easily quantified, but IMO are substantial. This is exactly what the more expensive colleges want you to believe. They love to hear folks talk about how their school is worth it because of experiences that are not quantifiab...
by staythecourse
Tue Apr 07, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Mohamed El-Erian Has Most of His Money in Cash

[quote="Maynard F. Speer] But consider global debt levels; the unknown territory of economic stimulus we're in; the contagion of poor US markets on the rest of the world ... The fact the world's 2nd largest economy could take that kind of turn: I don't think it's beyond comprehension that that ...
by staythecourse
Tue Apr 07, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7622

Re: Cost of College & Weighing the Merits of Top Schools

It supported what I have been saying for years. College costs are a pure scam. If one is going to pay x amount above a cheaper option,. But consider college a vacation expense. That is, one is going to specific place simply for the EXPERIENCE of being at the place and HAVING A GOOD TIME. Just like ...
by staythecourse
Tue Apr 07, 2015 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

I should mention so if I don't think top schools (outside of the very top) matter then what is important? I would encourage my child to be ambitious, hard working, good work ethic (never late, stays late, and gets stuff done on time with no complaints), plans their future ahead, and make contacts. L...
by staythecourse
Tue Apr 07, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Cost of College & Weighing the Merits of Top Schools

Simply NO. Not sure if someone already put the link in, but someone awhile back linked an EXCELLENT website where you can see all the colleges and see what the starting career and mid career salary is from each school. If they haven't someone hopefully will as it will help to use objective evidence ...
by staythecourse
Tue Apr 07, 2015 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16730

Re: Mohamed El-Erian Has Most of His Money in Cash

You'll have to excuse my chronic pessimism (it's a personality trait - I spend most my time being pleasantly surprised) .. But on the notion of possible recency bias among investors, I wonder do investor's in the world's 2nd largest economy (until recently) stick by the "stay the course" ...
by staythecourse
Tue Apr 07, 2015 8:38 am
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7622

Re: Switching 40% of my portfolio to bonds: just can't do it

You haven't told us anything about yourself: your age, your risk tolerance, your job stability, etc. So no, I don't think any responsible person would give you that advice, or any other advice, since we know nothing about you. Bingo. Any answer to this topic without more information is as nonsensic...
by staythecourse
Mon Apr 06, 2015 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 7067
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