Search found 1838 matches

by am
Mon Feb 08, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Is 20 years long enough
Replies: 5
Views: 904

Re: Is 20 years long enough

The short answer is that no one knows what the markets will do in the next 20 years. In the past, patient disciplined investors have been rewarded with inflation beating rewards. Stocks have always fluctuated and had bad years but have always come back, but sometimes over years. But the comeback par...
by am
Sun Feb 07, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Old non deduct. iRA contribution and backdoor Roth question
Replies: 2
Views: 182

Re: Old non deduct. iRA contribution and backdoor Roth question

Since the non deductible contribution was made before backdoor roths were allowed does this change anything? Also after doing that rollover from non deduct. Ira to roth, will I still be able to do 2015 and 16 backdoor roths?
by am
Sun Feb 07, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3276

Re: Disappointed in International Funds

There are no guarantees that any of our investments will be worthwhile during our investment lifetimes despite expectations based on historical performance. You gotta have faith in the markets, stick to your plan and keep investing. Hopefully it will work out in the end :sharebeer
by am
Sun Feb 07, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Old non deduct. iRA contribution and backdoor Roth question
Replies: 2
Views: 182

Old non deduct. iRA contribution and backdoor Roth question

Back in 07 or 08 I made a non deductible TIRA contribution which was the max at that time. Since then I have rolled over old employer 401ks to this IRA. The IRA is now much larger than the non deductible contribution. Now I have a Fidelity 401k with brokerage link where I use Spartan funds for the 3...
by am
Thu Feb 04, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 9923

Re: How to get a 200k+/year job?

Many fields of medicine will do it, especially if you avoid primary care. But, it takes a lot of effort to get into med school and than to make it through training intact. Most these days have high loans. Life in medicine can be tough even as an attending so it may not be worth it for some. But prob...
by am
Tue Feb 02, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Physician buying an 850k vs 1.25m house
Replies: 54
Views: 5074

Re: Physician buying an 850k vs 1.25m house

Pay off low interest mortgage to not throw away money every month especially if you have the cash to pay it off. Returns are not guaranteed in any investments no matter how low the expectations. The peace of mind that comes with a paid off house is priceless. What a mistake in my opinion to consider...
by am
Sun Jan 31, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2511

Re: How do ETFs work?

The more I Hear about ETF's, the less I care for them as long term investments . They (ETF's) sound to be more appropriate for the quicky ( make a fast buck) Day Traders crowd ! SeeMoe.. :annoyed Not if you are a stay the course boglehead type of investor. I have been using the 3 funder ETF portfol...
by am
Sat Jan 30, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 87
Views: 4644

Re: Public school or private school (with school data)

Public school is good enough. If they are good motivated kids than they will get what they want in life without the price tag. The high pressured overachiever path is way overrated (I know).
by am
Mon Jan 25, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2811

Re: Another 100% stock thread!

Long time horizon won't reduce the risk of holding equities either. Don't know what's around the corner and how long it will stick around. Just because we have recovered from previous bears, doesn't mean we will in the future and doesn't mean you will stick to the plan. Even at 2% return, bonds may ...
by am
Mon Jan 25, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for s corp question
Replies: 10
Views: 485

Re: SEP IRA for s corp question

So should I go ahead and make the 3k 2015 contribution to the existing sep in her name? Ignore my accountant and trouble of opening a new sep or changing the old one?
by am
Mon Jan 25, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for s corp question
Replies: 10
Views: 485

Re: SEP IRA for s corp question

My accountant said it should be in the s corps name. Could he be wrong?
by am
Mon Jan 25, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for s corp question
Replies: 10
Views: 485

SEP IRA for s corp question

Does a sep IRA for an s corp business with one owner and no employees need to be under the corporate name? We currently have one in the business owners name which may be wrong. If so would we have to rename it or take another measure? Thanks
by am
Mon Jan 25, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2811

Re: Another 100% stock thread!

Risk of stocks does not go away with time. You could be 100% stocks until the day before retirement and a brutal bear market will take away most of your gains. When you come close to reaching your goal, you should take risk off the table in my opinion.
by am
Thu Jan 21, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Scaling in when Dow drops to...
Replies: 14
Views: 1610

Re: Scaling in when Dow drops to...

Getting real creative with tax loss harvesting. Guess I am good if Vanguard didnt flag them as wash sales.
by am
Tue Jan 19, 2016 8:12 pm
Forum: Investing - Theory, News & General
Topic: Downside protection
Replies: 19
Views: 1815

Re: Downside protection

Would adding us treasury fund rather than total bond market be a better choice?
by am
Tue Jan 19, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Shifting AA ahead of possible recession?
Replies: 17
Views: 1380

Re: Shifting AA ahead of possible recession?

Market timing doesnt work.
by am
Wed Jan 13, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 7896

Re: Saving for the future vs you only live once

Striking a balance is important. How would you feel if you knew today was the last day? Regrets of not going on that vacation or buying that car you dreamed about. As an MD I see a lot of lives cut short or infused with pain and suffering. If we knew the future planning would be so much easier. But,...
by am
Wed Jan 13, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Mutual funds or ETFs?]
Replies: 14
Views: 1466

Re: The Three-Fund Portfolio [Mutual funds or ETFs?]

I use etfs for my 3 funder because years ago I built it this way and liked the flexibility of tax loss harvesting without those annoying 60 day holds now gone. Now I can switch back to mutual funds but I would have to sell the ETFs and wait til the funds settle. So I would be out of the market for 3...
by am
Mon Jan 11, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: CNBC's "Fast Money"
Replies: 14
Views: 2911

Re: CNBC's "Fast Money"

I used to watch those guys for entertainment and because they made me feel like I was a sophisticated investor :D Now I just do a 3 funder and spend time with my boys instead.
by am
Sun Jan 10, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I increase stock%?
Replies: 7
Views: 875

Should I increase stock%?

I asked this in a thread below but wanted to start a new thread as well. I have 30% of my portfolio in TBM and muni intermed. but not sure why? I have a large risk tolerance and a fairly stable profession (MD). Bonds in no way will help me achieve my goal of financial independence asap but stocks ca...
by am
Sun Jan 10, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX, where's the upside? [Vanguard Total Bond Market Index]
Replies: 16
Views: 1476

Re: VBTLX, where's the upside? [Vanguard Total Bond Market Index]

I have 30% of my portfolio in TBM and muni intermed. but not sure why? I have a large risk tolerance and a fairly stable profession (MD). Bonds in no way will help me achieve my goal of financial independence asap but stocks can. Maybe I should go for broke and be 90%+ stocks? Notice how I am ponder...
by am
Sun Jan 10, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Can I buy etfs tomorrow?
Replies: 2
Views: 481

Can I buy etfs tomorrow?

Vanguard brokerage says I have 3k available for trades. My tax exempt money market fund which is the sweep account says funds will not be available until Fri the 15th. If I trade tomorrow, the settlement date is Thursday next week. Should I wait until Tuesday or is tomorrow ok? Thanks.
by am
Wed Jan 06, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Include 529 in net worth?
Replies: 32
Views: 2376

Re: Include 529 in net worth?

I use it in networth because it is my money. I could always use it for myself if I have to.
by am
Wed Jan 06, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Any good free kindle books on Amazon?
Replies: 21
Views: 1607

Any good free kindle books on Amazon?

I need some books for a trip. I like investing and business but will read anything good for the price :D
by am
Wed Jan 06, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 9780

Re: CORRECTION...Corection...Correction

This is just noise! Stay the course and enjoy your life :sharebeer
by am
Wed Jan 06, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Chipotle
Replies: 16
Views: 1657

Re: Chipotle

I used to be a frequent Chipottle customer but have not been since the outbreaks. I find it disturbing to say the least that there are multiple cases in different locations. With other options in my area, I will not take any chances. There are probably many others with the same opinion. I do not int...
by am
Sun Jan 03, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 5451

Re: How much is your house worth?

How could Redfin be accuate to 2% for houses on sale and 6% off the market? Factors like updates, condition, lot location (busy road versus not), landscaping, neighberhood, other problems etc be possibly taken into account? House on Redfin is about 650k but we have updated it in the last 6 years, ad...
by am
Sat Jan 02, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9282

Re: Doctor Strategies

We need doctors to lower expectations from the expectations of years past. There is considerably more education debt to salary and salaries appear to be trending down when adjusted for inflation. We will need more doctors willing to make less or we will have a serious shortage. It will be especiall...
by am
Sat Jan 02, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9282

Re: Doctor Strategies

Don't forget deferred compensation either. Sure you can lose the money in the case of bankruptcy (which is extremely rare) but the benefits are huge for physicians. Money is protected from YOUR creditors. Don't have to pay taxes on the money until you are in a lower bracket in retirement and tax de...
by am
Sat Jan 02, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9282

Re: Doctor Strategies

Have not read anything about minimizing expenses. Just because you can afford a 1 mil+ house does not mean you should. You will place more stress on yourself, reduce your options and have more years to financial freedoms (if ever). Taxes, maintenance, insurance, furnishing, etc. will kill you. Have ...
by am
Wed Dec 30, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Hsa transfer of assets question with brokerage
Replies: 9
Views: 475

Re: Hsa transfer of assets question with brokerage

Not much of a choice with IRS. Many choices other than Fidelity! My point is that it was impossible to get help today and the information is wrong I believe. It was my first day off after a rough work stretch and I need to transfer these funds before fees kick in.
by am
Wed Dec 30, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hsa transfer of assets question with brokerage
Replies: 9
Views: 475

Re: Hsa transfer of assets question with brokerage

Agree but perhaps they should anticipate the increased volume and have extra help?
by am
Wed Dec 30, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hsa transfer of assets question with brokerage
Replies: 9
Views: 475

Re: Hsa transfer of assets question with brokerage

So I waited at Fideltiy for 10 min for a representative. He told me that HSA bank should initiate the transfer to Fidelity so I have to fill out their paperwork. Is that right? Than he transferred me to the HSA division and I gave up after waiting for 15 min. So much for Fidelity service :annoyed
by am
Wed Dec 30, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: How much have you made through long-term investments so far?
Replies: 24
Views: 1772

Re: How much have you made through long-term investments so far?

We have had a great market run especially 82-99. So not sure what this means other than long term investors were lucky to have been a part of this.
by am
Fri Dec 25, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hsa transfer of assets question with brokerage
Replies: 9
Views: 475

Hsa transfer of assets question with brokerage

I have an hsa bank HSA account linked with a Td ameritrade brokerage account which has 3 vanguard Etfs. I am transferring to a fidelity hsa to avoid fees. As far as transferring, do I need to fill out 2 forms one for hsa bank and one for Td ameritrade or should I liquidate the Td ameritrade account?...
by am
Wed Dec 23, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA question
Replies: 3
Views: 299

Dependent care FSA question

I signed up for 2016 with the max allowable for me $1500. I was hoping to partially pay for my kids summer camp in 2016. I paid for the camp in Dec. 2015 to reserve a spot. Will I get reimbursed? It does say in the rules that you can only get reimbursed after using the activity not when you pay. Tha...
by am
Sun Dec 20, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Would you use DFA funds, if available?
Replies: 13
Views: 1000

Re: Would you use DFA funds, if available?

I would pass unless you want to pay extra fees and strongly believe that factors and tilts will give you an advantage going into the future. Additionally be prepared to potentially underperform traditional indexes for years. Will you stick to the plan in this case?
by am
Sun Dec 20, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: Best fund or ETF for Frontier Markets?
Replies: 9
Views: 858

Re: Best fund or ETF for Frontier Markets?

I do not think frontier markets belong in a portfolio at this time. A typical allocation of 5% or less will make no difference In returns just add complexity. The vehicles are expensive and not very diversified. The markets themselves are risky beyond the usual measures (corrupt). They account for a...
by am
Sat Dec 19, 2015 5:42 pm
Forum: Investing - Theory, News & General
Topic: Financial Backtesting: A Cautionary Tale - Jesse Livermore
Replies: 10
Views: 1906

Re: Financial Backtesting: A Cautionary Tale - Jesse Livermore

My 3 funder has every strategy, factor, and tilt covered :)
by am
Sat Dec 19, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned about 457(b) plan - advice needed!
Replies: 18
Views: 1112

Re: Concerned about 457(b) plan - advice needed!

When you leave your employer you typically have 60 days to choose an irrevocable distribution schedule either all at once or annually over a term your plan allows. You then pay taxes in the money as you get it. The money is held in a rabbi trust. This protects your money from everything except bankr...
by am
Sat Dec 19, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned about 457(b) plan - advice needed!
Replies: 18
Views: 1112

Re: Concerned about 457(b) plan - advice needed!

Some important misinformation here. Additionally, if you leave your job you simply pay taxes on account This is only true for governmental 457 plans. For a non governmental 457, you cannot withdraw until retirement age. For physicians, the money is protected from creditors much more than a taxable ...
by am
Sat Dec 19, 2015 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about 457(b) plan - advice needed!
Replies: 18
Views: 1112

Re: Concerned about 457(b) plan - advice needed!

If you work for a large well known university with great bond rating I would recommend using the 457b. There are far greater risks to your money in this case than bankruptcy. Additionally, if you leave your job you simply pay taxes on account or roll over to another non gov 457b. For physicians, the...
by am
Sun Dec 13, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: small business high yield savings question
Replies: 0
Views: 134

small business high yield savings question

Spouse has a small business for which we would like to open a high yield savings account. We tried american express personal savings but they do not allow business savings account. Anyone know a bank with good rates to open this account? Thanks.
by am
Sun Dec 13, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 35
Views: 4481

Re: Recommend a custodian for individual HSA account

Anyone know about fidelity hsa?
by am
Fri Dec 11, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 8015

Re: So how is the liquidation in Third Avenue going to affect Vanguard's High Yield Fund?

Someone said call Vanguard and ask? They can't even answer basic questions at times...
by am
Sun Dec 06, 2015 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: A Twist on Non-Qualified Deferred Compensation Plan
Replies: 5
Views: 472

Re: A Twist on Non-Qualified Deferred Compensation Plan

Lehman and Chrysler come to mind. Enron executives executives accelerated payments resulting in laws being passed against this. Anyone know any prominent hospitals where docs lost money?
by am
Sun Dec 06, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified Savings Plan
Replies: 4
Views: 382

Re: Non-Qualified Savings Plan

Most of these plans are held in rabbi trusts which protects your money in every situation except bankruptcy. Even in the event of a bankruptcy, a rabbi trust may be structured so that you are in a short line of unsecured creditors and may get your money.
by am
Sun Dec 06, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: A Twist on Non-Qualified Deferred Compensation Plan
Replies: 5
Views: 472

Re: A Twist on Non-Qualified Deferred Compensation Plan

I use mine but I work for AA rated system. I am at 33% bracket and the tax savings are very valuable. I keep my investing every year to less than 5% of salary. In the event something bad happens, it will not change my plan. I also read that some of the rabbi trusts are structured such that in the ev...
by am
Sun Dec 06, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 141
Views: 18053

Question about vanguard transition to yodlee

I used cashedge for years which is now not available. I used to have all my accounts on there 529s, business and personal checking, pension, etc. On my accounts and balances page however I only have accounts that are intended for retirement including taxable, iras and outside 401k. I am wondering if...
by am
Fri Dec 04, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: How to convert investor--> admiral shares
Replies: 7
Views: 461

How to convert investor--> admiral shares

I reached 50k on int. Muni fund and want to convert to admiral. Do I call Vanguard to do this or can I do it online? Obviously want to make sure there are no gains in this transaction. Thanks.

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