Search found 836 matches

by DVMResident
Sun Feb 07, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3318

Re: Disappointed in International Funds

Tilting causes tracking error.
Tracking error is not a problem.
Tracking error regret is a problem. It causes behavioral missteps, like selling low.
by DVMResident
Fri Jan 29, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you start maxing out your retirement contributions?
Replies: 63
Views: 4331

Re: What age did you start maxing out your retirement contributions?

I don't think it's a meaningful question: some people have too much space while others have too little compared to their savings needs.

As a resident, I grossed $38-39k/yr and my tax-advantage space was $53k/yr plus an IRA.
In contrast, some people only have an IRA.
by DVMResident
Thu Jan 28, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 2580

Re: Most efficient way to improve my writing ability?

My only other tip I learned in grad schools after years of writing grants:

Beer is for writing. :beer
Caffeine is for editing.

When staring at a blank page, nothing gets words the ideas and words flowing like a couple beers. Caffeine helps shaping the resulting mess into something presentable.
by DVMResident
Thu Jan 28, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 2580

Re: Most efficient way to improve my writing ability?

Tip from a poor writer: I find the word-to-speech tool really helpful.
I setup the short cut as Alt-4 in Microsoft Word. I use it for all important e-mails and reports. The tool won't make you a great writer, but it will help you find spelling and grammatical errors.
by DVMResident
Tue Jan 26, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier (for tax year 2015): Will it run on XP?
Replies: 14
Views: 599

Re: TurboTax Premier (for tax year 2015): Will it run on XP?

It sounds like TurboTax is being run by the Microsoft Software Sales Office. There are still millions of XP users out here, many of us who have used TT for years. If TT wants to echo the well publicized risks of XP that's fine but if they are expecting me to contiune to buy their product after forc...
by DVMResident
Mon Jan 25, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: 3 Small Dogs - Dental Care
Replies: 19
Views: 1435

Re: 3 Small Dogs - Dental Care

The best thing is teeth brushing. The training takes some determination, but is very doable.
by DVMResident
Sun Jan 24, 2016 2:26 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6941

Re: What was your % pay raise?

My defined pension went up 2%. (I'd call that a pay raise - better than when I was employed.) I was a public employee and in my last 10 years of employment (2002 to 2012) I averaged less than a 1% raise per year. Two recessions hit state government hard so there was no support for state employee pa...
by DVMResident
Sun Jan 24, 2016 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Better to be Paid on W-2 or as an Independent Contractor?
Replies: 15
Views: 1514

Re: Better to be Paid on W-2 or as an Independent Contractor?

DrGenetic wrote:trying to reach early financial independence... 20k pension.


The pension sounds like the largest benefit. Any additional details?

Generally pension formulas favor the lifers: e.g. X% time years of service. If you're going for early FI, your limited years of service may reduce the value.
by DVMResident
Wed Jan 20, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6941

Re: What was your % pay raise?

Individual raised have not been announced, yet. But average raises will be sub-2%. Interesting, the company did "well" and bonuses will be at ~+50% over expected. Individual performance rarely move the needle more than 10%, meaning almost everyone gets between 0.9-1.1x of target. This year...
by DVMResident
Tue Jan 19, 2016 12:26 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10689

Re: Who's buyin' today?

And isn't that market timing? Splitting hair, I don't think purchasing on a dip is market timing. Market timing is defined as "the strategy of making buy or sell decisions of financial assets (often stocks) by attempting to predict future market price movements." The key word is predict. ...
by DVMResident
Mon Jan 18, 2016 12:36 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10689

Re: Who's buyin' today?

Double purchase on Friday: quarterly match and regular contribution 8-) And isn't that market timing? Splitting hair, I don't think purchasing on a dip is market timing. Market timing is defined as "the strategy of making buy or sell decisions of financial assets (often stocks) by attempting to...
by DVMResident
Fri Jan 15, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7541

Re: I'm sitting here watching FOX Business...14200??

I hope it gets here really soon: the annual match is just about to hit. The markets can bounce back after that.
by DVMResident
Thu Jan 14, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 66121

Re: Share your networth progression

2009, summer: $5k ER fund plus a car 8-), ~$15k (student loans) Didn't keep track until 2011. I count my rental and I'll only count the market appreciation at the end of 2015 since that's when I got an appraisal. It's not prefect, but it's my best guess. The small increases in the real estate from y...
by DVMResident
Wed Jan 13, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Math: 15% + extra payments vs. 20%
Replies: 13
Views: 1300

Re: Mortgage Math: 15% + extra payments vs. 20%

...I've toyed with the idea of putting 15% down and putting the remainder towards our retirement accounts and then paying an extra $2,000 towards principle for the first 6 months to get rid of PMI quickly. After marrying into a PMI situation, paying down a mortgage, and a long painful fight with th...
by DVMResident
Mon Jan 11, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: "It's a Perfect Strategy for My Enemies" [Scott Adams on Active Management]
Replies: 73
Views: 7214

Re: "It's a Perfect Strategy for My Enemies"

Maynard F. Speer wrote:Image


Where are the error bars?
by DVMResident
Fri Jan 08, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11530

Re: Tough Frugal Decisions

As a resident, I lived in an empty house taking care of the property for almost no rent. It was quite a commute away to work and rode the bus for $11/month (work subsidized) instead of driving. Spent nearly 3 hours everyday commuting for 5 years. Got a lot of work done (reading journals, writing gra...
by DVMResident
Thu Jan 07, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How to max out retirement accounts with 120K income?
Replies: 40
Views: 5284

Re: How to max out retirement accounts with 120K income?

Your savings rate should match your goals.
Maxing retirement accounts irrespective of need is the proverbial 'tail wagging the dog.'

Define your goal first. Then worry about 'how to.'

Nice budgeting. :beer
by DVMResident
Wed Jan 06, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Bonferroni alert! Did Morningstar make a statistical blunder?
Replies: 8
Views: 1076

Re: Bonferroni alert! Did Morningstar make a statistical blunder?

From the full paper (pg 8 of 32): :oops: Shame on me. Yes, they link to the full paper. Some caveats are in order. The low adjusted R-squared values suggest that there is much that these models do not capture. If there are any relevant variables missing from the model, it may over- or understate th...
by DVMResident
Wed Jan 06, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Bonferroni alert! Did Morningstar make a statistical blunder?
Replies: 8
Views: 1076

Re: Bonferroni alert! Did Morningstar make a statistical blunder?

But is the number of significant findings significantly more than would be expected due to alpha inflation accumulated from multiple comparisons alone? With respect to DVMResident, and no respect to who he is quoting, the bold bit is mono-buttocked. There are tests for this that do not involve arm ...
by DVMResident
Tue Jan 05, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: Bonferroni alert! Did Morningstar make a statistical blunder?
Replies: 8
Views: 1076

Re: Bonferroni alert! Did Morningstar make a statistical blunder?

From the full paper (pg 8 of 32): Some caveats are in order. The low adjusted R-squared values suggest that there is much that these models do not capture. If there are any relevant variables missing from the model, it may over- or understate the return to skill. (For instance, the model ignores dif...
by DVMResident
Mon Jan 04, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8773

Re: Savings % Target 2016?

Weighted targets to pre- and post-tax buckets Salary: 25% Plus company match Plus RSUs/options Plus 7.2% mortgage principle pay down, which is on schedule but not counting sales costs (there was considerable debate in another thread if this counts as savings-I'm on the count it side) All in all, we'...
by DVMResident
Sun Jan 03, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 5847

Re: How many streams of income do you have?

3 income sources: -Day job -Rental property (2-unit) -Investment (1.5 gross salary) DW will go back to work sometime this year. Diversification of income sources is nice. I use to do veterinary relief work and vaccine clinics plus enroll in the oddball clinical trial, but time is more limited these ...
by DVMResident
Tue Dec 29, 2015 11:31 pm
Forum: Personal Consumer Issues
Topic: Yahoo Finance, How Far You've Fallen
Replies: 15
Views: 3033

Re: Yahoo Finance, How Far You've Fallen

stratton wrote:The auto-playing video was the last straw. For some reason it save mute status in the cookie, but they still auto-run video. No way to turn it off.


How to Disable Video Autoplay in Chrome and Firefox
by DVMResident
Sat Dec 26, 2015 2:16 am
Forum: Personal Consumer Issues
Topic: Airline cancelling our flight
Replies: 33
Views: 4374

Re: Airline cancelling our flight

When you have them on the phone is when you have the most leverage. Their metric of success is how quickly they get you off the phone. So if you define what you want and keep asking politely for the same resolution is 6 different ways, you will sometimes cut into their numbers bad enough they just a...
by DVMResident
Fri Dec 18, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8724

Re: Bogleheads: Share how you like to vacation

Car trip in California, spend a few days in San Diego, LA, SLO, Santa Barbra, SF, and finally Marin county. Mission hoping and exploring the local towns with a pit stop in wine country is a fun way to see the state. You can see the climate change from the deserts of SoCal to forests of the PNW. If y...
by DVMResident
Wed Dec 16, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying $795,000 Home
Replies: 37
Views: 4783

Re: Buying $795,000 Home

How big is the pool of renters that can pay rent on a home that sells for $800K? It's pretty large. I live in coastal San Diego, so $800k isn't really considered a 'pricey' home here. It's about 1830 sq. ft. on a 7000 sq. ft. lot, so nothing too extravagant. For comparison, my rent in an 1100 sq. f...
by DVMResident
Tue Dec 15, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation packages-Home assistance experience
Replies: 12
Views: 882

Re: Relocation packages-Home assistance experience

I guess you're moving far enough that you want to unload the rental? If so and the market is 'on-fire', I'd sell it myself and be done with it. It's more about wanting to take my chips off the table than a management issue-I like fixing stuff. Even if we moved far away (no plans), I don't see any i...
by DVMResident
Mon Dec 14, 2015 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Relocation packages-Home assistance experience
Replies: 12
Views: 882

Re: Relocation packages-Home assistance experience

The gross up on taxes is important-good point. My company gave a "twice gross up", which was nice. Between sls239's experience (sorry) and my similar, but much lower stakes, experience with their other "services" and the potential issue with rental vs owner occupied residence, so...
by DVMResident
Sun Dec 13, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation packages-Home assistance experience
Replies: 12
Views: 882

Re: Relocation packages-Home assistance experience

Corporate relocation typically doesn't cover rental properties. +1 Also corporate relocation packages are not what they used to be - at least for regular employees. I have had friends offered a not-very-generous lump sum to cover temporary housing and any RE closing costs. They were on their own to...
by DVMResident
Sun Dec 13, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation packages-Home assistance experience
Replies: 12
Views: 882

Re: Relocation packages-Home assistance experience

soupcxan wrote:Corporate relocation typically doesn't cover rental properties.


It is a single family home with a rear unit. Any idea if this is not covered typically?
by DVMResident
Sun Dec 13, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation packages-Home assistance experience
Replies: 12
Views: 882

Relocation packages-Home assistance experience

Forum members, has anyone had a relocation package home assistance offered as part of job offer? What was your experience? Anyone use it to sell a rental? I'm considering different exit strategies for a rental after an appraisal come back very high ($660k) and the local RE is on fire. Also consideri...
by DVMResident
Fri Dec 11, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 4618

Re: New Laptop -- Christmas present for me

Dell XPS 13 or 15 are great choices. The XPSs are probably the best Windows ultrabooks on the market today. The 15 is really nice because the footprint is acceptable and the extra screen real estate with worth it. If gaming is an interest, I would consider would consider the GPU version. The battery...
by DVMResident
Mon Dec 07, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?
Replies: 17
Views: 3528

Re: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?

I like Wade's work on this topic: http://resource.fpanet.org/resource/981547A8-1D09-67A1-ACAC12B70A5C0D51/0511-Pfau-Table-1.jpg The way he presents the results provide can adjust for early retirement with shorter accumulation phases. While the chart doesn't give you benchmarks, it does provide very...
by DVMResident
Mon Dec 07, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?
Replies: 17
Views: 3528

Re: Net Worth -- Salary Ratio at age 30, 35, 40 if plan to retire at 55?

I like Wade's work on this topic: http://resource.fpanet.org/resource/981547A8-1D09-67A1-ACAC12B70A5C0D51/0511-Pfau-Table-1.jpg The way he presents the results provide can adjust for early retirement with shorter accumulation phases. While the chart doesn't give you benchmarks, it does provide very ...
by DVMResident
Sun Dec 06, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10910

Re: Flaunt Your High-Mileage Car

lippjam wrote:2003 Toyota 4Runner with 121,000 miles on it. Maybe a new one at 200k


Remarkably close: 125k miles on a 2003 Accord. :beer
by DVMResident
Sun Dec 06, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 87
Views: 13594

Re: The Good the Bad and the Ugly of real estate

We've had a mostly positive experience and a great ROI. Purchased in 2012 a 2-unit property in SoCal for $460k with 10% down, 30-year 3.5% fixed plus a PMI in a gentrifying area. Lived in 1 unit, rented the other. The total cash flow (counting taxes) was negative $1,500, about $400~500 less per mont...
by DVMResident
Sat Dec 05, 2015 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage or 401k
Replies: 34
Views: 3629

Re: Mortgage or 401k

I would not give up a tax deduction (401k) to lose a tax deduction (mortgage).
Stick with the 401k.
by DVMResident
Thu Dec 03, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Teaching investment theory to a child
Replies: 30
Views: 1271

Re: Teaching investment theory to a child

This website gives a nice guide as bench marks for children to learn about money:
http://moneyasyougrow.org/
by DVMResident
Wed Dec 02, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Jason Zweig & Future of Real Estate
Replies: 19
Views: 3366

Re: Jason Zweig & Future of Real Estate

Barefootgirl wrote:we've mostly uncoupled the geographical job and real estate markets


Except for landlords. Feudalism's comeback? :wink:
by DVMResident
Mon Nov 30, 2015 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it ever a good idea to make retirement date known?
Replies: 43
Views: 4136

Re: Is it ever a good idea to make retirement date know?

fastrock wrote:Don't let your spouse know either, which will mitigate a slip of the tongue


:(
by DVMResident
Sun Nov 29, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp
Replies: 28
Views: 2208

Re: MegaCorp

With good pay and laddered RSU/options, the benefits of staying probably outweigh the risks. And even those risks are largely mitigated by the 1 year severance plus health care. The anxiety about job security is no joke though. I also work in a Megacorp and the fear is palpable all the time. Sorry y...
by DVMResident
Wed Nov 25, 2015 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a bonus this year?
Replies: 74
Views: 7941

Re: Getting a bonus this year?

I hope so! Mega-corp took 15% of my pay away and promised it back as a bonus as a performance incentive :?

I'm pretty PO'ed.
by DVMResident
Wed Nov 25, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Pfizer investors-ALERT
Replies: 21
Views: 2616

Re: Pfizer investors-ALERT

Do any of you fellow Bogleheads know anything more specific about this possibility? I am going to get hammered on my Long Term Capital Gains tax as a result of this merger and am hoping that there may really be something in the pipeline! Sorry, yes, you will be hit with the capital gains tax as thi...
by DVMResident
Wed Nov 25, 2015 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Pfizer investors-ALERT
Replies: 21
Views: 2616

Re: Pfizer investors-ALERT

texasdude17 wrote:Does this mean Pfizer will no longer be in the Total Stock Market US index fund??


The new merged company will continue to be traded on the New York stock exchange under the same ticker (PFE).
BTW, Allergan is also traded on NYSE (ticker AGN) despite having it's HQ in Ireland.
by DVMResident
Sun Nov 22, 2015 11:52 am
Forum: Investing - Theory, News & General
Topic: What would you estimate for return?
Replies: 28
Views: 2731

Re: What would you estimate for return?

When there is uncertainty, you have to account for it in your projections.

I use the e/p +/- 2 SD (historical average, 10 year rolling periods). I run my projections at e/p-2 SD, e/p-1 SD, e/p, e/p+1 SD, and e/p+2 SD. This gives me a range of possibilities to prepare for.
by DVMResident
Fri Nov 20, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 254
Views: 26563

Re: High Earner Careers?

OP, I would broaden your question. A better focus is total life time earning. Focusing solely on income/yr ignores the tuition and years of training costs of getting to that high salary. Successful people take many different approaches and we're not going to hash all the specifics in a single thread...
by DVMResident
Tue Nov 17, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What was your eureka! Boglehead moment?
Replies: 86
Views: 7013

Re: What was your eureka! Boglehead moment?

Naturally frugal. 2009, made $38k/yr as a resident in SoCal and had the amazing fortune of having ~$400/mo rent (house sitting for an expat relative). Had excess of $2.1k/mo after-taxes and wasn't sure what to do with it. Buying things had little appeal and my friends were broke, limiting social pre...
by DVMResident
Tue Nov 17, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my upcoming raise?
Replies: 10
Views: 896

Re: What to do with my upcoming raise?

Yes, they do offer a 457B program as well. I currently am not enrolled in that program. Assuming investment options on the 457b plan aren't awful, I highly recommend contributing to it. It's deferred compensation and doesn't have a 10% early withdrawal penalty pre-55/59.5 after separation from the ...
by DVMResident
Sat Nov 07, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Have people who want early retirement actually BETA-TESTED it to see if you like it?
Replies: 13
Views: 1142

Re: Have people who want early retirement actually BETA-TESTED it to see if you like it?

An interesting blog on the first 6-months of ER: Done Detoxing

I think it'd take at least a year to orientate yourself to a retired state. Habits and behaviors take a long time to change.

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