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by zzcooper123
Wed May 27, 2015 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Removed credit freeze, lender still can't pull report
Replies: 8
Views: 571

Re: Removed credit freeze, lender still can't pull report

I recently went through the same thing. The mortgage company insisted that all agencies were not open. I checked with each agency and all were unfrozen. The mortgage agency tried again and it worked.
by zzcooper123
Tue May 26, 2015 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pediatric Practice
Replies: 15
Views: 1864

Re: Pediatric Practice

A solo pediatrician?...not a viable business.
Are you aware of the reimbursement for vaccines?
Call schedule?
by zzcooper123
Sun May 17, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: MDs--Academics or Private Practice?
Replies: 25
Views: 2257

Re: MDs--Academics or Private Practice?

A false dichotomy. Don't restrict yourself to one employer. Think like you are the CFO of your own life. Private practice is not likely to be viable very long. Maybe concierge. Unless you are making money for somebody you will get canned. Either way things are changing fast. Develop multiple skills ...
by zzcooper123
Sat Apr 18, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2427

Re: long term capital gain tax vs. roth conversions

Right now I am taking it year-by-year. If I can use up the cap gains by age 65, I will aggressively Roth convert for 5 years to age 70 and live off my high basis taxable account. If death seems imminent over that period, then I stop gains harvesting to snag the step-up basis for my heirs. You never ...
by zzcooper123
Sat Apr 18, 2015 8:40 am
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2427

Re: long term capital gain tax vs. roth conversions

I am in a similar situation. I am trying to take my maximum capital gains to remain in the 15% (0% rate) bracket. Roth conversions will have to wait until my cap gains have been used up.
I am aware that this will increase my future RMD's.

Is this correct thinking?
by zzcooper123
Tue Apr 07, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12742

Re: Good Modern Science Fiction

Anything by Steven Baxter. I loved "Evolution" and the Vortex series.
by zzcooper123
Sun Apr 05, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Physician tail coverage
Replies: 20
Views: 2448

Re: Physician tail coverage

Consider paying for a part time policy with the same company. Pay this discounted premium to wait out the Statute of Limitations (one year from discovery in Ohio) and then drop the policy. If OB or peds are involved this will not work, although Ohio has a 4 year Statute of Repose. Not fool-proof by ...
by zzcooper123
Wed Feb 25, 2015 7:44 am
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10212

Re: physicians

Change your attitude.Think outside-the-box. There are multiple, low-burnout, part-time opportunities for physicians. Get out of the "I have to be in Practice" mode.
by zzcooper123
Thu Feb 19, 2015 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Eek - I was terminated!! Quick Questions
Replies: 21
Views: 3151

Re: Eek - I was terminated!! Quick Questions

I can see pre-paying the Auto loan if the finance company requires lower insurance deductibles than you normally have paid.
by zzcooper123
Tue Feb 03, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4841

Re: The lowest stock allocation you plan to stay with

Just retired this year. Currently at 35/65. Anticipate going to 30/70 in 2016 with another capital gain harvest. Then rising equity glidepath to 50/50 over next 5 years.
by zzcooper123
Tue Nov 04, 2014 6:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8347

Re: Roll Call for the Retirement Class of 2015!

Finishing up in clinical Medicine January 31, 2015.
by zzcooper123
Fri Oct 17, 2014 2:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 6073

Re: Livesoft - Thank you

Livesoft has definitely changed my investing style. I credit his advice with my ability to retire early.


Have been waiting for a livesoft book or blog or something....
by zzcooper123
Sat Sep 20, 2014 8:52 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2537

Re: Air Purifier for Allergies

Look into SLIT treatments. Very effective. Much easier than injections.
by zzcooper123
Mon Sep 08, 2014 5:22 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12742

Re: Good Modern Science Fiction

You said Asimov is just "OK" ?

I have the same problem reading modern SciFi which seems more attuned to Science Fantasy.

I loved "Evolution" by Baxter.

Lately I just read compilations of short Science Fiction.
by zzcooper123
Sat Sep 06, 2014 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Injury on MBTA: Financially worth it to hire an attorney?
Replies: 27
Views: 2169

Re: Injury on MBTA: Financially worth it to hire an attorney

I suspect the City attorneys would turn this into a prolonged nightmare. No easy cash. Could everyone with back pain sue for potholes now? Why just on city buses ? Why not people riding in cabs and private cars?

Sorry, this is a sore spot for me.
by zzcooper123
Tue Sep 02, 2014 2:56 pm
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 8
Views: 1151

Re: International in Taxable - Advantage?

Aren't foreign dividends taxed at the full rate? Only domestic stock dividends receive preferred rates. To me, this seems like a big deal in large taxable funds .
by zzcooper123
Tue Aug 26, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41377

Re: What are you up YTD?

Was 60/40, recently re-balanced to 50/50 with lots of muni bonds...which have been berry berry good to me. Probably up ~8% YTD. Stuck in lots of S&P500 fund...waiting til January 1, 2015 to tax gain harvest.
by zzcooper123
Fri Aug 22, 2014 7:04 am
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1725

Re: What assets are protected from state court proceedings?

Read Adkisson's book. Or go to apbook.com
by zzcooper123
Fri Aug 22, 2014 6:50 am
Forum: Investing - Theory, News & General
Topic: Reading Suggestions
Replies: 12
Views: 854

Re: Reading Suggestions

I continue to read and re-read Larry Swedroe's book on Alternative investments.
by zzcooper123
Wed Jul 23, 2014 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 3049

Re: Retirement Portfolio Proposal

Maybe read; "Reducing the Risk of Black Swans: Using the Science of Investing to Capture Returns With Less Volatility" by Larry Swedroe for ideas about asset allocation. Read Wade Pfau's comments on rising equity glide path in Retirement. Consider any part time work to allow deductions for...
by zzcooper123
Tue Jul 22, 2014 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 30
Views: 3052

Re: Taxable Accounts - Am I thinking about this the right wa

Gee, they are almost paying you to retire...
by zzcooper123
Sun Jul 20, 2014 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 4307

Re: Can I retire early?

Retire ASAP. If you can find some Independent Contractor work for some cash you can deduct HSA's, solo 401ks,TIRA's, business expenses, auto expenses, CME (overseas conferences?), HDHP's and zero out your income. This will allow you to take out maximum capital gains every year to stay in the 15% bra...
by zzcooper123
Wed Jul 16, 2014 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Minimizing Capital Gain Tax
Replies: 10
Views: 1221

Re: Minimizing Capital Gain Tax

I believe that your daughter will pay Cap Gains taxes at your top rate, which is likely 15% or more. So even if you gift the shares to your daughter and you have $1 over the 15% bracket, she will pay CG at your rate on the entire amount.
by zzcooper123
Fri Jul 11, 2014 12:25 pm
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3927

Re: Karen, single, 61, $2 million.

If she had very large unrealized Cap Gains in a taxable account, would she be better off not Roth converting to the top of the 15% bracket? The i-orp calculator seems to always Roth convert something.
by zzcooper123
Tue Jul 01, 2014 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: investing/personal finance as competitive sport
Replies: 17
Views: 1462

Re: investing/personal finance as competitive sport

Livesoft...you will let the rest of us know about those beneficial IRS rules you uncover, won't you?
by zzcooper123
Sat Jun 07, 2014 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tilt Question
Replies: 16
Views: 1093

Re: Tilt Question

Larry Swedroe's latest book would suggest pairing a SV/ISV tilt with LOW beta. It would appear staying away from Total Market funds is suggested. At least that is what I got from the book.
by zzcooper123
Sat May 31, 2014 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax free living via Capital gains/dividends?
Replies: 20
Views: 1476

Re: Tax free living via Capital gains/dividends?

The way the tax brackets are structured it seems like they are almost paying you to retire. After a lifetime of contributions there seems to be little benefit in "topping off" Social Security.
Maybe I should get out of the way and let someone hungrier and needier take my place .
by zzcooper123
Sat May 31, 2014 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax free living via Capital gains/dividends?
Replies: 20
Views: 1476

Re: Tax free living via Capital gains/dividends?

How about this? Start a small business...deducting relevant travel, computers, home office etc. and pay no Payroll tax. Whatever is left contribute to solo401k to zero out earned AGI. The self-employed can deduct HSA from gross income to age 65 and Health Insurance premiums from earned income. A lot...
by zzcooper123
Sat May 17, 2014 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: It's Time to Scrape Some Cream Off the Top
Replies: 7
Views: 1322

Re: It's Time to Scrape Some Cream Off the Top

I will be moving rapidly to a 30/70 mix over the next 12-24 months. I subscribe to Pfau's Rising Equity Glidepath in early retirement.This will mean moving from Stocks to High Quality Bond funds in my IRAs. Then I will start taking maximum Cap Gains (lowest basis) in my taxable account to stay in th...
by zzcooper123
Sun Apr 20, 2014 8:02 am
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 40
Views: 3988

Re: paydown strategy for mortgage

Why anyone would want to pay off a low rate, long term Mortgage escapes me. Are all your other housing expenses going to evaporate, too ?

If corporations didn't maximize their debt-to-equity ratio; the CEO would be fired.
by zzcooper123
Sun Apr 20, 2014 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5384

Re: Hit your #, Still want to work, does your savings % chan

Save a year of basic expenses in a taxable account.
Then go on sabbatical for a year to figure out what you want to be when you grow up.
Do it.
by zzcooper123
Sat Apr 19, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 826

Re: Presentation for Retiring Physicians

No, whitecoatinvestor is geared more toward younger physicians in the acquisition stage.
by zzcooper123
Sat Apr 19, 2014 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 826

Presentation for Retiring Physicians

I am thinking of putting together a presentation/lecture for retiring physicians.

Older physicians appear to be well represented in this forum.

Must-have topics? Ideas?

What unique concerns for physicians? Is this too narrow a topic?
by zzcooper123
Sat Apr 12, 2014 6:39 pm
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1588

Costa Rica?

Anyone been to Costa Rica?

Anyone been to Puerto Vallarta ?
by zzcooper123
Fri Apr 04, 2014 6:16 am
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1604

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

Check for "Goodwill" rebates especially if you are a frequent Honda buyer. I got half off a transmission overall on my 2003 Accord. I would have sold the car otherwise.
by zzcooper123
Mon Mar 10, 2014 6:00 pm
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 6249

Re: How did you get through the market crash in 08-09

The whole melt-down seemed so stupid and unnecessary, that I really didn't pay attention until 2009. Guess I kept waiting for a rebound for so long it actually happened. Tried to throw all the cash I had into Stocks, but didn't have much to put in. Should have tax loss harvested more aggressively. B...
by zzcooper123
Sat Mar 08, 2014 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 42
Views: 5562

Re: File FAFSA with 7 figure non-retirement portfolio?

I had the same EFC results from the FAFSA and stopped completing it after my daughter's freshman year. She continued to get her merit-based scholarship. I also had concerns about the laying out my entire financial situation onto a (possibly) unsecured site. I heard a story where a high earning neigh...
by zzcooper123
Tue Feb 25, 2014 8:29 pm
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3816

Re: Vacation - Hawaii, Mexico, other ideas?

Just back from Aruba. Excellent restaurants. Very friendly people.

What do people think of Puerto Vallarta?
by zzcooper123
Wed Feb 05, 2014 8:46 am
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 61
Views: 10644

Re: $10+ M, age 49, seeking wisdom regarding retirement

Consider a Sabbatical. Read: Reboot Your Life: Energize Your Career and Life by Taking a Break by Catherine Allen
by zzcooper123
Sun Feb 02, 2014 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: What is your tax loss harvest strategy?
Replies: 17
Views: 1744

Re: What is your tax loss harvest strategy?

I thought a RBD was for buying, not necessarily selling.
If I need the tax loss ( to snag the $3000 deduction), I would TLH near everything if low fees and late in the year.
by zzcooper123
Sun Feb 02, 2014 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4706

Re: What interest rate did you get on your car loan?

0.9% for 3 years, new Honda Accord, same as last time.
by zzcooper123
Tue Jan 28, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Create LLC in which state if you're planning a move?
Replies: 23
Views: 1968

Re: Create LLC in which state if you're planning a move?

To my knowledge, a Delaware allows you to form one LLC and have multiple protected sub-entities under it. There might be other States doing it now.
by zzcooper123
Tue Jan 28, 2014 5:11 pm
Forum: Investing - Theory, News & General
Topic: best financial podcasts for bogleheads?
Replies: 10
Views: 1490

Re: best financial podcasts for bogleheads?

I think our own "livesoft" should put some of his retirement and TLH insight into a podcast.
by zzcooper123
Sun Jan 26, 2014 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2110

Re: Physician starting out, want to do it right

Try to find some sort of 1099 income. Even outside of medicine. Fully fund your 401k to exclusion of everything else. You must start immediately to have any chance of retiring ever. Don't be too quick to pay off your mortgage. Stay out of rental Real Estate for a while. Who pays the Tail? Negotiate ...
by zzcooper123
Sun Jan 26, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirement planning
Replies: 16
Views: 2025

Re: Retirement planning

A mix of taxable and tax-deferred accounts at retirement gives you multiple options. I continue to be surprised at the number of posters recommending mortgage pay-downs in lieu of funding long term taxable accounts. Index funds and municipal bonds could make these accounts very tax efficient. For a ...
by zzcooper123
Sun Jan 26, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 8221

Re: High Umbrella Limits - A waste

The laws in each State vary. Most people have their assets concentrated in IRAs/401ks which are protected by law. Home Equity can be protected by Homestead exemptions and contingency financing. Businesses can be protected with serial LLCs, factoring, cross collateralization. An Umbrella policy preve...
by zzcooper123
Thu Jan 23, 2014 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 8548

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

A fixed long term mortgage is one of the best inflation hedges you can buy.
by zzcooper123
Sat Jan 18, 2014 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Stocks in 401k for Beta Protection
Replies: 7
Views: 715

Re: Dividend Stocks in 401k for Beta Protection

I think Larry Swedroe said: " a high dividend strategy is a poor Value strategy."

In addition, dividend payouts are handed back to you every year...maybe you don't want them.

Dividends sure make you feel good, tho.
by zzcooper123
Sun Jan 12, 2014 10:11 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 29444

Re: High Earners - What's Your Profession?

Sorry...another physician

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