Search found 52 matches

by rabbitrun
Sat Apr 15, 2017 1:32 am
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

For me, I only buy homesteads that I can move out of and keep as a rental property at any time and at least break even on cash flow. You need to know what that unit will rent for on the market. We actually do this on purpose: 'house hacking.' We buy a homestead, live in it for a year, then move out...
by rabbitrun
Thu Apr 13, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

DW (who is in school)..... I think that this is the key. I would not buy until your wife graduates and settles into her work. There is no telling where her job will be and she might even find a dream job in a different city and you might follow here there. If you don't have strong family ties to yo...
by rabbitrun
Thu Apr 13, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

Certainly you can afford it, I'm just not sure it's the correct decision for you. Why not wait until after you have kids to make that decision? You may decide that when you have kids you will want a yard for them. Or maybe you will want to live in area with other young families so there are lots of...
by rabbitrun
Thu Apr 13, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

If you are early in your career, a rapidly gentrifying area in a rapidly growing city is the ideal location for you to own a property in (especially if you don't have kids yet)! Great point and that was why we bought there. Part of the issue is perhaps a feeling of self-consciousness when we compar...
by rabbitrun
Thu Apr 13, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

dm200 wrote:
What does your spouse say and want?She would love the condo

Maybe stay where you are and hire someone to do yard work, etc.We do and that does help
by rabbitrun
Thu Apr 13, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

1) Maxing your 401(k) and Roth and trying to save a lot in taxable are all well and good, but are you on track to the retirement you want? Honetsly I'm not sure 2) Are you planning for kids, and related expenses? Prob 1-2 yrs away 3) I get that your location is hot for real estate, but downtown con...
by rabbitrun
Thu Apr 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

Re: million dollar condo?

If I bought the condo I feel like I would just be riding the hedonistic treadmill to more house, and moving away from the LBYM tenet many bogleheads advocate. To me this sounds like a classic case of keeping up with the Jones'. Or at least that's how you are coming across. Most posters on here aski...
by rabbitrun
Thu Apr 13, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 32
Views: 3342

million dollar condo?

I am a physician in a HCOL area. I currently owe 539k on a 730k mortgage at 3.75%. My house is in a a rapidly gentrifying area of a rapidly growing city (one of the fastest growing cities in the country, housing prices up 8% this year alone). Most of my partners live in the "rich" part of ...
by rabbitrun
Sun Apr 09, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1212

Re: Planning Scandinavia trip

Forgot to mention...just in case you are into food (and would plan part of your itinerary around it), some can't miss spots are:
Copenhagen- Amass
Stockholm- Lilla Ego, Gaston Vin, Corner Club (cocktail bar)
Bergen- Bare Vestland, Pingvinen
by rabbitrun
Sun Apr 09, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2071

Re: Trip Ideas - San Francisco & Northern CA

Check out the Land's End hike in SF. About a 2 hour hike along the coast, with great views including the GG bridge. Great spots to sit and eat lunch as you overlook the pacific ocean.

https://goo.gl/maps/hvb7uqcqyVS2

You can park right at eagle's point and pick up the trail there. Out and back.
by rabbitrun
Sun Apr 09, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1212

Re: Planning Scandinavia trip

We did a similar trip two years ago: Flew from the states into Stockholm. Flight from Stockholm to Bergen. Flight from Bergen to Copenhagen. Copenhagen to Berlin. Berlin to Vienna. Vienna back to states. We did it in just over two weeks. Flew everywhere. The flights were are relatively cheap and we ...
by rabbitrun
Sat Apr 08, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 73
Views: 6759

Re: Dream vacation spots?

It's the south island of New Zealand for me. My wife and I honeymooned for a month in Australia/New Zealand about 10 years ago but it wasn't enough time to visit the south island. We made a promise to ourselves that we would come back someday to travel around the south island for at least a few wee...
by rabbitrun
Sun Apr 02, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 2558

Re: Physician-Resident looking for Portfolio Advice

+1 to taking an extended break after training and before your first job if you can. it could be the last long vacation you'll have for years. I really like the Investor's Manifesto by Bernstein for your next non-medical read. Job security as a physician is good, but not as good as you might think. I...
by rabbitrun
Sun Mar 26, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4373

Re: How did you do your income taxes?

I have been using my group's CPA who charges a ton ($1500). I don't believe my taxes are that complicated, but there are a few K-1s, which is probably what scares me into not doing them myself. The cost is really bothersome, however, and hopefully next year I can sort it out on my own with some tax ...
by rabbitrun
Sun Mar 26, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2555

Re: Help my portfolio is messy

This weekend I sold off all the securities with ERs above .5. Great time to do it now with the market being on a high. Interesting to note, of all my securities the ones with the highest ERs showed the worst performance. I took a loss on a few. A key Boglehead principle is that the ER is the only r...
by rabbitrun
Sat Mar 25, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1583

Re: planning to visit San Francisco for a short break

Use Uber or Lyft for transport in the City. The Ferry Building is great. I would recommend hiking the Land's End trail (NW corner of city) and bringing lunch. The views of the ocean and GG Bridge are great. If it were me, I'd also make a jaunt up to the wine country. Can't go wrong with some champag...
by rabbitrun
Sat Mar 25, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage: Funds available to trade
Replies: 15
Views: 1019

Re: Vanguard brokerage: Funds available to trade

So I can buy a Vanguard mutual fund in my taxable with "funds available to trade" that have not yet settled into my settlement fund and not be dinged margin interest? Or do I just wait a few days until i see the money in my settlement fund? Is my taxable account a margin or non-margin acco...
by rabbitrun
Sat Mar 25, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 552

Re: Travel insurance

If you buy the trip on a credit card, it would be worth checking into what coverage the CC offers.

For example, https://www.chase.com/card-benefits/sap ... rve/travel

Also, in the past I have purchased travel insurance from Travelex.
by rabbitrun
Fri Mar 24, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

Re: AXA Annuity finally transferred to Vanguard

Finally seeing the funds in my Vanguard account. Woohoo! My current Roth is all in Vanguard Total Stock Market Index Fund Admiral Shares VTSAX. Was just going to lump sum the whole 39k into that, and not worry about timing. I am currently 80/20 and feel good about my AA. Thoughts?
by rabbitrun
Thu Mar 23, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 7
Views: 592

Re: Buy on Ex-Div Date or Just Afterwards?

On the Vanguard fund profile, which date is of importance between "record date", "reinvest date", and "payable date?" Each are one day apart.
by rabbitrun
Thu Mar 23, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring funds from FA - question on canceling Anuity
Replies: 4
Views: 188

Re: Transferring funds from FA - question on canceling Anuity

I'm in the process of transferring an annuity to Vanguard. I paid a $900 surrender fee (I was in year 6 of 7, around 40K total). The key question is what are the yearly fees of your account? (Account was with AXA- had to dig a lot to get the exact fees). Mine were >$550/yr, so it was a no brainer to...
by rabbitrun
Thu Mar 23, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Seeking wisdom around saving, living, and housing.
Replies: 22
Views: 2055

Re: Seeking wisdom around saving, living, and housing.

I would add that an overseas trip for your children will offer more to them in the long run than simply a vacation. Gaining exposure to the world at a young age, I believe, will do wonders for their development into well-rounded individuals. I see patients dying of cancer every day. Take the vacatio...
by rabbitrun
Thu Mar 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1139

Re: Roth 401K vs. 401K

To play a little devil's advocate, one could argue that for people in the >25% tax rate, the taxes under the current administration may in fact end up being much lower than they will be in 30 years. This might lead you to put a little more in the Roth 401k compared to traditional.
by rabbitrun
Mon Mar 20, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Too much information! Where to begin?
Replies: 3
Views: 573

Re: Too much information! Where to begin?

1. No need to switch it, esp with that ER of 1%. What funds are available in your new 401k- can you get ER any lower? 2. Begin by reading some books on the recommended reading list of this website. Does your company have a 401k match? You do not want to miss out on that free money. 3. Getting an eme...
by rabbitrun
Sat Mar 18, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 1013

Re: Vanguard Buying Struggle

Go to "account overview." Click on your "Roth IRA brokerage" account. Underneath on the bottom left click on "Buy and sell" then "Buy Vanguard funds." It will bring you to a page where you can check an existing fund or "Add another Vanguard mutual fund.&q...
by rabbitrun
Sat Mar 18, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15066

Re: "Millionaire Next Door" Net Worth Formula

I'm 37 and so far off its kind of comical. :shock:
by rabbitrun
Thu Mar 16, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8113

Re: Do you avoid international investing like Jack Bogle?

oldcomputerguy wrote:My AA has 30% of my equity in international.


+1
by rabbitrun
Fri Mar 10, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

Re: AXA Annuity getting fleeced- switch to Vanguard?

As an update, transferring this has been a PITA. Called Vanguard, they said to call AXA. Called AXA, they said to call Vanguard. Filled out Vanguard paperwork and sent it in. AXA wouldn't accept it. Filled out AXA paperwork to send to Vanguard to send to AXA. Wish I could go back in time and undo my...
by rabbitrun
Tue Mar 07, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

The first thing to do is see if there are any other options for you to reduce your current tax expense. Can you contribute to an HSA? If so, max it out and then spend out-of-pocket for any medical expenses (not much, but it's something). Yes I am maxing out my HSA. The level of contributions to you...
by rabbitrun
Thu Mar 02, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

For my international allocation in taxable I am thinking of Schwab International Index Fund SWISX (0.06) or Schwab International Equity ETF (SCHF) (0.07%)? Thoughts between the two?
by rabbitrun
Sun Feb 26, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 76
Views: 12008

Re: Charles Schwab Checking + Brokerage Account

Thanks for the replies. I already have a brokerage account with them, and the no ATM fees (even international) is appealing (better than Portfolio checking at WF which only comps "Wells Fargo" ATM fees). Hate to have my credit pulled at a place where I am already a client with taxable and ...
by rabbitrun
Sat Feb 25, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 76
Views: 12008

Re: Charles Schwab Checking + Brokerage Account

Schwab says they will run a credit check when you apply for their checking account. Anyone know if this is a "hard" pull that will show up on a credit report?
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (be...
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel li...
by rabbitrun
Sat Feb 25, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (bes...
by rabbitrun
Fri Feb 24, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?
Replies: 30
Views: 4241

Re: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?

I have an optum HSA with >5k in cash and >5k investment blanace and I am still getting hit with the monthly $3 investor fee. What gives? I have called multiple times and it is near impossible to get a human on the phone. You pay $3 for as long as you have investment balance. I pay the same amount e...
by rabbitrun
Thu Feb 23, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Account transfer
Replies: 6
Views: 254

Re: Account transfer

Hi, I started the process of transferring an account from American Century to Vanguard via the webpage form at Vanguard. It has been almost a week and the status of the transfer is a very cryptic: submit transfer request . What does this mean? Is Vanguard waiting for me to do something at American ...
by rabbitrun
Wed Feb 22, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

Re: AXA Annuity getting fleeced- switch to Vanguard?

Thanks for the responses. I'd like to rip the bandaid off as quickly as possible and not look back! This GB AXA Moderate Growth Strategy that I'm in is not available on Vanguard. If I do an in-kind transfer, is it going to make me sell whichever of the 100+ funds within it that Vanguard does not hav...
by rabbitrun
Wed Feb 22, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

Re: AXA Annuity getting fleeced- switch to Vanguard?

You didn't mention your age. This is relevant because the 10% Federal + separate state penalty applies if you bail out before age 59 1/2. Another option if you're under age 59 1/2 is a tax-free 1035 exchange to Vanguard's variable annuity which has no surrender penalties (to get out of Vanguard). A...
by rabbitrun
Wed Feb 22, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

Re: Roth getting fleeced by AXA- switch to Vanguard?

David Jay wrote:You may want to edit the subject line to "AXA Annuity" - that will likely get you more views from the people who know annuities.


Done thanks!
by rabbitrun
Wed Feb 22, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1395

AXA Annuity getting fleeced- switch to Vanguard?

In an effort to consolidate my portfolio and reduce fees, I'd like to rollover my current Roth with AXA (from a prior job) into the backdoor Roth started last year with Vanguard. The AXA Roth is about 10% of my total portfolio. It is Retirement Cornerstone B Roth IRA with 100% allocation in GB AXA M...
by rabbitrun
Tue Feb 21, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

updated planned AA looks something like this: His 401k 20% Schwab US Large-Cap ETF (SCHX) (0.03%) 20% Vanguard Small-Cap Value Index Fund ETF Shares (VBR) (0.08%) 15% Schwab International Equity ETF (SCHF) (0.07%) 20% Schwab US Aggregate Bond ETF (SCHZ) (0.04%) Taxable 10% Schwab International Equit...
by rabbitrun
Fri Feb 17, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

I would try to simplify your investments to the lower cost Schwab funds. I would prefer more exposure to large stocks. Decide your asset allocation (%stocks and %bonds), If want to use 80/20, factor following percentages appropriately to get asset allocation. I would not add bond funds to the taxab...
by rabbitrun
Fri Feb 17, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

I agree with the other posters. I would add, however, that whatever you switch out for the Janus fund (that's got to go) should be something tax efficient, perhaps an ETF. Given that you seem to like small and value (so do I), you might want to put it in something like VBR. Thank you. Yes the conse...
by rabbitrun
Fri Feb 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

If you have not seen it already it would be good to check out the white coat investor web site which is run by a doctor who is a regular poster here. http://whitecoatinvestor.com/ One thing I would question is; New annual Contributions ... $12k taxable (for retirement, not short term goals) Assumin...
by rabbitrun
Fri Feb 17, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

In your tax bracket, I'd either use munis in the taxable account, or hold bonds in 401(k). Those two balanced funds use fully taxable bonds. Also, I'd ditch the high fee Janus fund in taxable. I think you want a tax efficient, low cost index fund, like me a total stock or total intl fund. Thank you...
by rabbitrun
Fri Feb 17, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

His Rollover IRA at AXA (do not think I can change this allocation until 2018 without a penalty) 10% GB AXA Moderate Growth Strategy (1.05%) According to Morningstar, this fund doesn't have a back end load. Why can't you sell it at AXA and transfer it to Vanguard or Schwab? The ER of VASGX is 0.15%...
by rabbitrun
Fri Feb 17, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

Re: How am I doing?

Compound wrote:I agree with alec's comments.

Additionally, is your rollover a traditional IRA? Just mentioning it because these funds would be subject to the pro rata rule for completing a backdoor Roth.


Thank you for your response. I rolled over my residency 403b into a Roth IRA.
by rabbitrun
Thu Feb 16, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3247

How am I doing?

Hello, 37 yo single M physician here. I know a cr*pload more about medicine than finance. Recently read Bernstein's Investor's Manifesto and getting into Bogleheads, although it is somewhat daunting given my general lack of knowledge on the subject. Looking to keep my investments very simple if poss...

Go to advanced search