Search found 199 matches

by DFWinvestor
Mon Apr 25, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Am I still doing OK focusing more in income vs investments?
Replies: 36
Views: 2428

Re: Am I still doing OK focusing more in income vs investments?

Is there a reason you aren't maxing out your 401K? At your income level it would seem you are paying a lot of extra taxes by only contributing 5% to your 401K up to the company match. That is the most glaring thing to me, perhaps I am missing something. Asset Allocation is really a matter of persona...
by DFWinvestor
Mon Apr 25, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: late 30s, what career or new degree
Replies: 24
Views: 3036

Re: late 30s, what career or new degree

... I've come to realize sales/business is not what I want to do. I can do it, but I don't have any passion for it. I want to start again and do something I can enjoy for the rest of my life.... Great if you can do this without disadvantaging your family. But with a family including two small kids ...
by DFWinvestor
Thu Nov 05, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to make finance talk for MDs sound interesting?
Replies: 24
Views: 1819

Re: How to make finance talk for MDs sound interesting?

When I was a resident we had a CFP talk to us and one of the things that stood out the most to me was the following: "There are people in your graduating class who will not have saved a penny five years out of training. Don't be one of those people" The other catch phrase I find to be part...
by DFWinvestor
Fri Aug 07, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hello! Feeling lost. Finance advice for a newcomer?
Replies: 17
Views: 1847

Re: Hello! Feeling lost. Finance advice for a newcomer?

So are you both new graduates from residency programs? Or still have a year or two left? You are not as behind as you think. Many people you graduate will be paying off credit cards for the first six months after graduating, going on expensive vacations, and spending their paychecks as quickly as th...
by DFWinvestor
Fri Jul 03, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1764

Re: Saving on Golf

What I would suggest is the following:

1) Put your golf clubs away in the closet and forget they are there; or alternatively throw them in a lake or other body of water, or take them to a pawn shop.

2) Find a new hobby.

This worked wonders for me. I can't say that I miss it.
by DFWinvestor
Sat Jun 27, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Lifelock: Worth the Money or a Sham?
Replies: 27
Views: 5520

Re: Lifelock: Worth the Money or a Sham?

Thank you everyone for confirming what I already knew. I just wanted to see if anyone had any counterpoints or reasons their service is worth the money and that does not appear to be the case.
by DFWinvestor
Sat Jun 27, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Lifelock: Worth the Money or a Sham?
Replies: 27
Views: 5520

Lifelock: Worth the Money or a Sham?

I still can't decide after three years using their service. I signed up in 2012 after someone stole my CC number. Since then this has happened on two other occasions; both of which the credit card companies were on top of things, detected fraudulent activity, contacted me, and sent me a new card. Li...
by DFWinvestor
Sun May 03, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

Test drove the 70D, wow! Refuse to buy new - ton of used rear wheel drive S models on the lot. Guess I have to wait at least 18 months or longer to get a decent price on a used 70D? or maybe used Model X (or any AWD). You can see about an inventory 70D. This is what I would do. Waiting on a pre own...
by DFWinvestor
Sun May 03, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 4758

Re: What to use to clean car

Traveller wrote:For leather - Lexol (both cleaner and conditioner). Awesome stuff for maintaining leather.



This is what I use and I have been happy with it thus far. Use micro fiber cloths to apply them.
by DFWinvestor
Wed Apr 29, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Own Occ Disability Insurance
Replies: 29
Views: 2957

Re: Physician Own Occ Disability Insurance

I have a policy with Standard. Price seems reasonable to me and I hope to never have to find out if they are prompt at paying claims:) As a resident, do you have some sort of coverage through your residency program? Most residency programs offer good benefits. I would check to see what is available ...
by DFWinvestor
Fri Apr 10, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

I really like the new release of the 70. If it had been available when I purchased my S85, I probably would have gone with the 70. Range on the 60 wasn't quite enough for me, but the 70 has enough range that I would have been happy. Re: the console---Tesla sells one after market, I personally have n...
by DFWinvestor
Fri Apr 03, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 16893

Re: Best albums of 2015

My favorite band released a new album recently. It was late 2014 actually but worth a listen if you haven't checked it out. Counting Crows Somewhere Under Wonderland This is my favorite song on the new album: https://www.youtube.com/watch?v=-hCPwxVjoHE (Skip to 35 second mark NSFW language prior to ...
by DFWinvestor
Mon Mar 23, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 5125

Re: Urgent Care Centers - When should they be used?

I am an ER physician by training. I have staffed Urgent Care Clinics on a part time basis in the past but no longer do so. It's difficult to come up with any concrete guidelines for the layperson, because every clinical scenario is different. But here is a list of things that definitely should NOT g...
by DFWinvestor
Thu Mar 19, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

As for dual chargers----they only benefit you when you want to charge >40 amps, except for at Superchargers where single and dual chargers charge at the same speed. So the only circumstances where you might benefit from a dual charger, assuming you don't have a HPWC at home, would be when you are o...
by DFWinvestor
Thu Mar 19, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

Ualdriver, yes, I could put in a 40 amp circuit without too much trouble. The HPWC has a 25-foot cable, but Tesla apparently expects 5 foot of slack, so park within 20 feet. Same slack for the 20-foot cable that connects to the 240 volt outlet. There is no charging benefit to the HPWC over the outl...
by DFWinvestor
Mon Mar 16, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Keeping the change (making saving automatic)
Replies: 15
Views: 1683

Re: Keeping the change (making saving automatic)

I have a program I use that achieves the same results. For a one time fee of $200 I will help you get into the program. Here are a few details: I call it "paying with cash". It is a bit old fashioned I will admit. I started doing this almost ten years ago. At that time I was flat broke, ne...
by DFWinvestor
Sat Mar 07, 2015 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Good career for woman mid 30's?
Replies: 34
Views: 4550

Re: Good career for woman mid 30's?

RN 2.5 semesters at local JC. The nursing field is VERY saturated right now many RNs graduating only to find no jobs, and after a year or more without working in the field many places will pass you buy and hire the freshly graduated candidate as their skills are fresher. In my area every hospital a...
by DFWinvestor
Mon Mar 02, 2015 2:25 am
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 7093

Re: Favorite Vacation/Trip

No better time than the summer to visit California. I love the Caribbean and I love the Florida Keys and Mexico, but you are taking a trip during rainy season and it's a bit of a gamble and also hot/humid that time of year. There is so much to do and it's difficult to narrow it down for a one week t...
by DFWinvestor
Mon Mar 02, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Congratulations to EmergDoc [Scholarship fund started]
Replies: 7
Views: 2734

Re: Congratulations to Emergency Doc

This is really awesome. I am a fellow EM physician and really admire what you have done. Congratulations on your great book and giving something back to future physicians.
by DFWinvestor
Fri Feb 13, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

A lot of people here discouraged me from buying this car. "I have higher salary and more net worth than you and I would never consider spending that much on a car". Got a lot of comments like that in one thread. I bought it any way. :D No regrets and I have a blast every day when I get be...
by DFWinvestor
Fri Feb 13, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

We bought the car because it is built here with American workers, low maintenance costs, and the obvious advantage of free charging at many stations, not just Tesla super chargers. We also have solar panels, so our electric bill averages out to $35 per month for both house and two electric cars. We...
by DFWinvestor
Thu Feb 12, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 760
Views: 117490

Re: Tesla S

It appears TSLA stockholders have been subsidizing the Tesla owners purchase to a nice extent. "'Our financials are better than they appear; not worse'" Cramer said, quoting Musk . "At the end of the day, Tesla lost $10,000 per car [last quarter]." What people fail to realize wh...
by DFWinvestor
Fri Feb 06, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1951

Re: Investing for dividends in a taxable account

Why not pay the bills with your income from your job? Keep the taxable account in a more tax efficient stock index fund and re-invest those dividends and make your money work harder and more efficient than what you've got going now. In the accumulation phase it doesn't make sense to be triggering a...
by DFWinvestor
Fri Feb 06, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1951

Re: Investing for dividends in a taxable account

What are the interest rates on the loans? If the interest is above 4-5% I would recommend selling some taxable investments to pay them off. Ralph Interest rates are 1.7% for both student loan and car loan. It really doesn't make much sense for me to be aggressive in paying them down but for now I a...
by DFWinvestor
Fri Feb 06, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1951

Re: Investing for dividends in a taxable account

Hate to be the one to pop your bubble, but please tell us how you are going to go from $595K in current investments ($220K taxable + deferred), home equity is not an investment so I've excluded it unless you plan on selling the home and taking up residence under a highway overpass? That implies at ...
by DFWinvestor
Tue Feb 03, 2015 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1951

Re: Investing for dividends in a taxable account

Only 37 and you want to retire in 10? to each his own, but is there a job/ career you might be happier in? Best of luck! Actually what I really want is to have the ability to retire in 13 years but still want to continue working long after that, but by choice rather than by necessity. That would be...
by DFWinvestor
Tue Feb 03, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for dividends in a taxable account
Replies: 13
Views: 1951

Investing for dividends in a taxable account

Hello fellow bogleheads, I know this strategy has some flaws and I am hoping some of you can poke holes in my strategy. First a little background: 37 years old, current net worth around $770K after subtracting out my loans (student loan and car loan total around $100K). I have a taxable investment a...
by DFWinvestor
Tue Feb 03, 2015 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? (28yr old male)
Replies: 14
Views: 2876

Re: How am I doing? (28yr old male)

I don't see any red flags here. It seems like you are doing just fine and saving a decent amount. When you get your raise I would suggest putting at least 1/2 of that raise into investment accounts. You can increase your lifestyle a little bit but save 1/2 of it. I personally do not believe your rin...
by DFWinvestor
Thu Jan 15, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 31306

Re: Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fideli...
by DFWinvestor
Wed Jan 14, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 31306

Re: Amex Fidelity CC 2% Cash Back

Thanks everyone for the great feedback! The thought of a new CC account, password and username to store in my iPhone, etc usually deters me from applying for a new card but I think this one seems worth the hassle.
by DFWinvestor
Wed Jan 14, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 28974

Re: What do you drive, and why?

2014 Tesla Model S. Biggest splurge I've ever made and I am enjoying every minute in this car. We don't have solar panels yet but are already on 100% wind energy. Even with current gas prices I am paying about the same (possibly a bit less) for electricity as I was for gas in my Camry Hybrid. The ca...
by DFWinvestor
Wed Jan 14, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 31306

Amex Fidelity CC 2% Cash Back

Hello fellow bogleheads. I was wondering if a few of you could provide me some information on the Fidelity Amex 2% cash back credit card. I have been with Discover for a number of years, I am a big fan of cash back credit cards but try to avoid annual fees. Also have a brokerage account with Fidelit...
by DFWinvestor
Sun Jan 04, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 5195

Re: Am I contributing too much to retirement?

You're not going to be making $52k (after-tax) forever... As your salary goes up, your savings will go up... If your salary doesn't go up, you're never going to afford a $1 million house anyway. $10,000 savings in taxable each year (AND you are investing in retirement accounts) is an amazing amount...
by DFWinvestor
Sun Jan 04, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3764

Re: job advice: move to Florida Keys??

Young man, grab your cheeseburger in paradise! A little less Warren Buffet and a little more Jimmy Buffett is ok at your age... I love this quote and I may borrow it in the future! Just reading the thread title, my initial reaction was "YES, go to the Florida Keys!". I read the entire pos...
by DFWinvestor
Mon Dec 29, 2014 3:31 am
Forum: Personal Consumer Issues
Topic: Trip to San Francisco and Wine Country
Replies: 4
Views: 1314

Re: Trip to San Francisco and Wine Country

Take the long way from San Francisco to Sonoma (PCH). There is a great little town called Stinson Beach with a decent lunch spot called Breaker Cafe. Also some incredible views along the way on Pacific Coast Highway. A great casual lunch spot in Sonoma: Fremont Diner. This is the only place I've sta...
by DFWinvestor
Mon Dec 01, 2014 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 15174

Re: Do you celebrate financial milestones?

I think I am a little too much of a Type A personality because milestones have generally not been very exciting. I just think, "well I worked hard for it, this was the expected outcome, time to move on to what's next". I probably should celebrate them a bit more. I am probably 2-3 years aw...
by DFWinvestor
Sat Aug 30, 2014 10:03 am
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 3415

Re: Trip to the Caribbean - Suggestions

Going to St. John There are only two hotels/resorts on the island -- The Westin and the Caneel Bay resort. Instead, we rent a villa and have had great results at http://www.caribbeanvilla.com My wife and I stayed in St. Thomas but took a day trip to St. John, stopped in at the Caneel Bay resort. It...
by DFWinvestor
Sat Aug 30, 2014 9:53 am
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 6857

Re: Ideas for thanking a doctor

I'm a physician. Thank you notes from patients are few and far between (at least in my setting). I keep all of them and they truly mean a lot. Just a thank you note itself is a very nice gesture. Anything more not necessary. But something edible that could be shared with the staff is always apprecia...
by DFWinvestor
Thu Aug 14, 2014 8:06 am
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1927

Re: MDs should I contest hospital privileges?

I had courtesy privileges as I no longer admitted patients. Based on this I would probably leave it alone. The only exception would be if having privileges would allow you to do send patients in from clinic for imaging studies, labs, etc and order them yourself rather than sending the patient throu...
by DFWinvestor
Mon Aug 11, 2014 4:29 pm
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 6001

Re: Convince me I can make a dumb (car-related) purchase

Anyone who plans to spend 40+ on a car, should take a look at Tesla. After accounting for tax rebates, fuel & maintenance saving, difference is far less and you become green, drive a really modern car. Best wishes in your purchase. +1 I just bought a Tesla, have test driven twice before the pur...
by DFWinvestor
Fri Aug 08, 2014 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 22636

Re: Affording a 1.3 million home?

I have an almost identical salary, almost identical assets. I live in a $600k house. I would never consider buying a $1.3MM house. Sorry but I am not sure how this is relevant. There are many bogleheads who make a very good salary but spend less than they could, some arguably to the point of being ...
by DFWinvestor
Thu Aug 07, 2014 5:18 pm
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 862

Re: Cancun Hotel Recommendation wanted.......

Have you considered Isla Mujeres? A little less touristy than Cancun, yet plenty of nice dining options at the same time. It's a short ferry ride from Cancun. More mopeds and golf carts on the roads than vehicles.
by DFWinvestor
Wed Aug 06, 2014 8:30 pm
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1123

Re: Confessions from the Peanut Gallery

I've been very bad as well. I switched from Dish to DirecTV to save a few bucks and get the free Sunday Ticket (that was just for the first year). I let them re-up me for the Sunday ticket last month and now have increased my monthly bill by $49 for the next 6 months. DirecTV finally made a deal to...
by DFWinvestor
Wed Aug 06, 2014 7:20 pm
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1123

Re: Confessions from the Peanut Gallery

We decided we didn't need our big house since our kids are all gone, so we sold it recently and bought a townhome. The savings are: mortgage $2400/mo. (5 yrs. avoided pmts., no mtg. on the new place), pool man $200/mo., yard man $175/mo., Property taxes, about $2000/yr. net (say $167/mo.), homeowne...
by DFWinvestor
Wed Aug 06, 2014 5:34 pm
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 1123

Confessions from the Peanut Gallery

I have been a bad boglehead. I am here to confess and ask forgiveness. I am ashamed to admit this but I figured a few others might have similar stories, or it might spark someone to do some leg work themselves to save some money. I am usually fairly good with my budget. We spend about 1/3 of what we...
by DFWinvestor
Sun Jul 27, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 6538

Re: Public Speaking-help

The more you do it, the better you'll become. You just have to practice, practice, practice. Know your material cold. I'd suggest getting your presentation content ironed out and don't script it. Just have key points you want to get across. Then rehearse it over, and over, and over again. Most impo...
by DFWinvestor
Wed Jul 23, 2014 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2205

Re: Please help settle an argument

Thank you every one for the replies. My side of the argument was B. There are a lot of variables of course and if the timing of the market is right, you could come out way ahead investing the money and taking the loan. Then there are the hypotheticals such as the dot com bubble, and if you had inves...
by DFWinvestor
Wed Jul 23, 2014 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2205

Please help settle an argument

I was having an internet argument with someone and we both came to the conclusion we would post it on here and see what kind of responses we would get. If this is not appropriate to post I apologize in advance. Argument A: It ALWAYS makes sense to take out a vehicle loan, as long as it is no greater...
by DFWinvestor
Thu Jul 17, 2014 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 747

Re: How is my AA? [Asset Allocation]

Your desired AA is 84/16? If so, you seem to be there now. In that case new money should be going to both stocks and bonds to maintain it. Paul I wouldn't say it is my ideal AA, I am still figuring that out but I am looking at how much I also have sitting on the sidelines in cash and the number is ...
by DFWinvestor
Thu Jul 17, 2014 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: How is my AA? [Asset Allocation]
Replies: 8
Views: 747

Re: How is my AA?

Your asset allocation is not an outlier when compared to the many portfolio presented on the forum, so it is fine. Thank you. My apologies for not following the format but it seemed like a lot of leg work for me and a lot to read through for anyone who is willing to look at it. I just needed some v...

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