Search found 507 matches

by michaelsieg
Wed Aug 17, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 4938

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

Putting aside prohibited medical facts, as a personal consumer issue this is not true. EPIC will flash an alert that the dose exceeds a maximum recommended dose, but these are frequently bypassed with a single click. In fact there are so many alerts on so many issues that behaviorally providers bec...
by michaelsieg
Wed Aug 17, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 4938

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

I and glad that ultimately all was well. It seems like 2 separate "safety nets" didn't work. I would be surprised if today's EMRs would allow to print out discharge medications, that would lead to an overdose - the big players such as Epic or Centricity essentially don't allow you to write...
by michaelsieg
Wed Aug 17, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pension and taxes...
Replies: 8
Views: 1015

Re: Pension and taxes...

There are many threads regarding "lump sum payout" versus a traditional pension on this site. Before you decide what to do, I would read some of them and then do the math carefully. Often, taking the pension is the better value, especially with today's low interest rates ( even if the pens...
by michaelsieg
Sun Jul 31, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else create "mirror" accounts?
Replies: 9
Views: 1421

Re: Does anyone else create "mirror" accounts?

I like longinvest's return spreadsheet, that you can find in the wiki or if you use the google search box on the top of the page. It gives you an internal rate of return across all your accounts and a time weighted return and it is easy to use. It would be easy to set up a separate "mirroring&q...
by michaelsieg
Mon Jul 25, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: What bond fund do you recommend (VBTIX, VAIPX, PIMCO Stable Income Fund)
Replies: 6
Views: 705

Re: What bond fund do you recommend (VBTIX, VAIPX, PIMCO Stable Income Fund)

I was trying to find out more information about this fund for you, but I could not find a ticker symbol and the morningstar search box also didn't give any useful results. I think from looking at your link, and looking at the volatility (low), that this is a stable value fund. I would call the retir...
by michaelsieg
Sun Jul 24, 2016 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: What bond fund do you recommend (VBTIX, VAIPX, PIMCO Stable Income Fund)
Replies: 6
Views: 705

Re: What bond fund do you recommend (VBTIX, VAIPX, PIMCO Stable Income Fund)

Is the PIMCO stable income fund a stable value fund that guarantees a certain APR? If so, most stable value funds give a fixed interest rate return (our plan updates the interest rate every 6 months, I believe) and have less (no?) term risk (i.e. the fund does not go down in value when interest rate...
by michaelsieg
Mon Jun 06, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: What would a Boglehead do? [401(k) contributions vs. paying off loans]
Replies: 42
Views: 2840

Re: What would a Boglehead do?

I recently in a similar situation also went the HELOC path - I would be inclined in shifting the debt to a HELOC and still max out the retirement savings, but obviously there might be individual situations where this might not be reasonable.
by michaelsieg
Mon May 16, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 23481

Re: Rich But Middle Class

We also like that they will be able to interact, compete against and surround themselves with the best and brightest, which should help them to reach their full potential. We live in a similar extremely HCOL area like you and we were also considering sending our kids to private schools starting wit...
by michaelsieg
Mon May 02, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 125
Views: 18124

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

How high can it go?

Only needs to go up another 100% for me to break even....
by michaelsieg
Fri Apr 22, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: switching from snow tires to the warm season
Replies: 7
Views: 788

Re: switching from snow tires to the warm season

Thank you all for your responses! Do you take the Ridegline off road ever or is it strictly a street truck? I mainly drive on the road, sometimes drive in our backyard, to get things in and out, but rarely - so I don't need an off-road tire. Bloom2708 - thanks so much for your input, I am going to l...
by michaelsieg
Fri Apr 22, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: switching from snow tires to the warm season
Replies: 7
Views: 788

switching from snow tires to the warm season

Last fall, after reading this thread: https://www.bogleheads.org/forum/viewtopic.php?t=178009, I got the Michelin latitude x-ice snow tires for my Ridgeline truck at Costco, and I have been really happy with them when we had significant snow this winter. Now that we are hopefully done with snow, the...
by michaelsieg
Wed Apr 20, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage advice for second home.
Replies: 18
Views: 1609

Re: Mortgage advice for second home.

I also would try to avoid LTC gains taxes in your situation. The best mortgage rate will be likely for your primary home. In MD you also pay state and county income tax on LTC gains. I live in a high-tax rate county (like you probably too). My LTC gains taxes in MD for an investment last year that h...
by michaelsieg
Sat Apr 16, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 7335

Re: Postnuptial agreement for Physician

I think most things that needed to be said have been said. A postnuptial agreement makes absolutely no sense in your situation - it is very different, if one side brings significant assets into a marriage. No matter how the marriage will turn out, it makes it easy that you both essentially start fro...
by michaelsieg
Wed Apr 13, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 201
Views: 29625

Re: I'm Calling an Emerging Markets Bottom

Greayfox, I liked your way of looking where the "center of gravity" for these markets are. I was surprised that the EM is in the Red See about 100 miles south of Mecca (hope I entered the numbers right) and the average for the developed Markets were north to the Red See in Turkey (surprisi...
by michaelsieg
Sun Apr 10, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3766

Re: Honda Odyssey

One of the best purchases we ever made. Get a model with a built-in DVD player, it makes long-distance trips much easier for the kids. We have a 2007 that we bought new and I hope it will last until they are all off for college (another 11 years...may be a bit optimistic :))
by michaelsieg
Sun Apr 10, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 39
Views: 4347

Re: My current bicycle tour in Italy

Drive safely, looking forward to see your updates!
Loved your diary from last year
Hope it is not too cold there - good luck with the weather!
Michael
by michaelsieg
Thu Apr 07, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Efficient frontier?
Replies: 21
Views: 2062

Re: Efficient frontier?

I agree that the efficient frontier is not that important for the OP. The key question for him is to have a careful look at his risk tolerance. I think it really matters to look at the maximal drawdown of a portfolio if equity markets have a bear market. There was a good discussion on this topic in ...
by michaelsieg
Thu Apr 07, 2016 8:37 am
Forum: Investing - Theory, News & General
Topic: Which individual countries hold the most promise for future investment gains?
Replies: 84
Views: 5372

Re: Which individual countries hold the most promise for future investment gains?

As to my list of similar to US culture countries it includes Canada, UK, South Africa, HK, S. Korea, Malaysia, Singapore, Germany, Netherlands & Scandinavia. At least with these you know the rules will most likely not change in the future. Packer I look at country specific investing similarly a...
by michaelsieg
Tue Apr 05, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: 50/ can I cross the finish line?
Replies: 51
Views: 7292

Re: 50/ can I cross the finish line?

I would second what has been said before, pay off the mortgage - I would not refinance in your situation - you probably have significant long-term capital gains, so it might make sense to take some of your bond portion to pay off the mortgage, to avoid taxes. You will be surprised how good if feels ...
by michaelsieg
Fri Apr 01, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: Recency, relativism, patience, discipline and tracking error
Replies: 6
Views: 735

Re: Recency, relativism, patience, discipline and tracking error

Thanks for posting Larry, I liked the article, especially the part about the patience that is needed in investing. You write in your article that the balance between domestic and international/EM is almost as important as the equity/bond mix. What balance do you currently recommend for the average i...
by michaelsieg
Wed Mar 30, 2016 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: FLTMX vs FSITX for taxable account
Replies: 11
Views: 721

Re: FLTMX vs FSITX for taxable account

Thanks Grabiner - I really appreciate your posts!
by michaelsieg
Wed Mar 30, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: FLTMX vs FSITX for taxable account
Replies: 11
Views: 721

Re: FLTMX vs FSITX for taxable account

Grabiner, Thanks for your thoughtful response. I am in MD like you, have you looked into the MD municipal bond funds? VG does not offer any, but T Rowe Price has an intermediate duration fund (MDXBX)- which fund would you recommend, if you were looking for a MD specific intermediate (good quality) M...
by michaelsieg
Mon Mar 28, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 7021

Re: sellers want us to waive financing contingency

Congrats letsgobobby! That is great news! Hope it all works out
by michaelsieg
Sun Mar 27, 2016 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 7021

Re: sellers want us to waive financing contingency

I didn't read all the comments, but we bought our house after waiving this contingency. I don't regret that we did, our seller had 3 offers and this made them choose us. The main risk for us was, that the appraisal (on which the bank bases the amount of the mortgage) might have come out lower than t...
by michaelsieg
Sat Mar 19, 2016 10:47 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8210

Re: Cost of $1000 per Month Inflation-Adjusted Income?

I also really enjoy this thread - thanks to everyone who contributed. I looked at a different possible solution and looked at the Vanguard High Yield Bond fund (VWEHX) as a possible source of a safe inflation adjusted income. This fund has a 35 year history since 1980, I took the daily closing price...
by michaelsieg
Tue Mar 15, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 1904

Re: A call to all Bogleheads: let's accurately calculate returns!

I always used to use the Morningstar website, and it calculated the return ro me. Now I am using longinvest's spreadsheet, it is simple and gives you a time and money weighted return. It actually safes time compared to Morningstar, as you don't have to update the # of shares after dividend reinvestm...
by michaelsieg
Sat Mar 12, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Assett allocation, pension as bond
Replies: 24
Views: 1653

Re: Assett allocation, pension as bond

No matter if you look at your pension as a bond or as an income stream, I think it is important that you know exactly how your benefits (i.e. income stream) are calculated. It is not helpful that people tell you it is worth "several millions", as the annuity projections that people use to ...
by michaelsieg
Sun Mar 06, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3487

Re: Diversify with Intl Small Cap instead of EM?

I went with the fundamental rafi indexes in my international AA - for int developed I use PXF and PDN and for EM I use PHX and for EM small I chose DGS. I think it is important to first decide your % AA (US/Dev/EM) and if you want to have a value/size tilt, and how much of it you want - after that I...
by michaelsieg
Sat Mar 05, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 11913

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

That would be Adrian's rule. :happy I used to like his posts - I wonder what happened to him... I remember that in one thread during or shortly after the financial crisis he decided to increase his equity allocation based on what he felt were low valuations of the markets and he got heavily critici...
by michaelsieg
Fri Mar 04, 2016 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 125
Views: 18124

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Fat-Tailed Contagion - Is there a reason for posting the latest price info? Probably because it feels good to see some gains after years of having the fund loose money - for those of us who have rebalanced into the fund as it went down over the past few years it just feels good to finally see the t...
by michaelsieg
Fri Mar 04, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: Under the hood of 5 multifactor funds
Replies: 44
Views: 4703

Re: Under the hood of 5 multifactor funds

Thanks for posting Robert
by michaelsieg
Tue Mar 01, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1080
Views: 179040

Re: What are you up YTD? [Year To Date]

YTD as of 2/29/2016: -1.58% (using longinvest's spreadsheet). Have not had the time to upgrade it to the newest version.
by michaelsieg
Fri Feb 12, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5426

Re: Best Car for Family of 5?

We got a minivan when we were at that stage, the big advantage for my wife was, that when she had to lift the baby and toddler in their carseats, she didn't have to bend down to click the seat into the base (she threw her back out with the old Accord doing this). Also the sliding doors of the miniva...
by michaelsieg
Mon Feb 08, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 4222

Re: Thank goodness for my precious metals

Not to bring up a discussion about the utility of PM or not, there have been several very good discussions about this on this forum. I have a small allocation to PM and I feel very different about this asset class than the OP. I have to say that the last few years have been extremely painful - I had...
by michaelsieg
Wed Feb 03, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Physician buying an 850k vs 1.25m house
Replies: 54
Views: 6249

Re: Physician buying an 850k vs 1.25m house

Statistically, most physicians will not stay long in their first job - if you buy a home, it is important that you also look at the ease of selling it some day, should you want or have to switch jobs. Criteria to look for are a good school area/desirable location and an average price in that area - ...
by michaelsieg
Sat Jan 30, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 18564

Re: Unwinding day old terrible car deal for mother-in-law

The loan interest rate is really bad, Honda usually offers 1% interest car loans - it might be worth asking the dealership why she didn't get that rate - that would make the cost of the loan more tolerable. But maybe her credit score will not allow her to qualify for that rate....
by michaelsieg
Sun Jan 24, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 10586

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Maybe the father-in-law is so well-off, that there is no need for his daughter to take any risk....if there are many millions waiting for her, then it probably does not matter if she invests in T-bills or TSM....
by michaelsieg
Sun Jan 24, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 10586

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

It is difficult for an outsider to give you good advice on this one. I think your plan is better than your father in law's, as time in the market matters more than timing the market. However, It might be better to" lay low" in your situation - Your wife's risk tolerance might not allow an ...
by michaelsieg
Thu Jan 21, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 283
Views: 43226

Re: Warning Signs [Economic health indicators]

It would be interesting to know, if any of the previously discussed warning signs were showing an increased likelihood of this current downturn before it happened- of course it is hindsight now, but it would be interesting to check it out and might help to validate (or dismiss) some of these indicat...
by michaelsieg
Wed Jan 20, 2016 8:13 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 201
Views: 29625

Re: I'm Calling an Emerging Markets Bottom

Almost at the bottom - maybe today? The downward trend seems to continue...
I am just getting to my rebalancing bands for EM, will rebalance later this week (today if I have time).
by michaelsieg
Thu Jan 07, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 737064

Re: U.S. stocks in freefall

Did some tax loss harvesting in December and changed some EM funds (DGS and PXH) into VEMAX, which I like less than what I had, but the tax loss seemed to be worth it to me. My biggest concern was that EM would skyrocket early in the year and I would be stuck with VEMAX. Even though this decline hur...
by michaelsieg
Fri Jan 01, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 657
Views: 25237

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1648
Hope I don't win
Happy New Year!
by michaelsieg
Tue Dec 29, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg TV (12-29-15)
Replies: 20
Views: 1880

Re: Jack Bogle on Bloomberg TV (12-29-15)

Thanks for posting Rx 4 investing, I always enjoy to hear him talk - he always helps to put the gyrations of the market into perspective and to keep a long-term focus.
by michaelsieg
Mon Dec 14, 2015 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using HELOC to continuously pay down mortgage?
Replies: 15
Views: 2214

Re: Using HELOC to continuously pay down mortgage?

I agree, the only way this would make sense is if there is an interest rate difference between the HELOC and the mortgage.
by michaelsieg
Mon Dec 14, 2015 11:27 pm
Forum: Investing - Theory, News & General
Topic: Currency hedging in international equity funds?
Replies: 15
Views: 1441

Re: Currency hedging in international equity funds?

Thanks Doc and Watty, If you are planning on retiring in Switzerland one option would be to buy a home there now that you could rent out until you move there and retire. That would cover one of your largest retirment expenses and give you income in Swiss francs. I don't think we will retire in Switz...
by michaelsieg
Mon Dec 14, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: Currency hedging in international equity funds?
Replies: 15
Views: 1441

Re: Currency hedging in international equity funds?

Thank you everyone for their input - this was very helpful. I am not interested in FOREX speculation, and I do not believe that the random fluctuation that currency exchange adds to foreign stocks is a beneficial kind of diversification. Just like Nisi, have no interest in speculating on currencies,...
by michaelsieg
Fri Dec 11, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: Currency hedging in international equity funds?
Replies: 15
Views: 1441

Re: Currency hedging in international equity funds?

Thank you so much Garland, this is very helpful. 4) There are plenty of INTL currency hedged equity and bond funds and etfs to choose from if you wish to do so and I suspect their hedging contracts come at lower prices than you as an individual can get. Has anyone looked into these? Are there good i...
by michaelsieg
Fri Dec 11, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: Currency hedging in international equity funds?
Replies: 15
Views: 1441

Currency hedging in international equity funds?

It sure would be nice to buy some “insurance” against a raising dollar and I would be willing to pay a fee for it. Basically I would like to know if anyone has looked into the cost of international investing with a reduced currency risk. I have a (about) market cap weighted international allocation ...
by michaelsieg
Sat Nov 28, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: No Admiral Shares in a Vanguard Individual 401(k)
Replies: 42
Views: 8614

Re: No Admiral Shares in a Vanguard Individual 401(k)

I didn't follow the entire discussion, but I was shopping with Vanguard earlier this year as my wife's small company was looking for a new provider for their 401k plan. The VG small company rep told me (and sent me a written proposal) that there are 2 ways to set up a 401k plan for a small business....

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