Search found 4007 matches

by staythecourse
Sun Jul 24, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 90
Views: 4634

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

I've written on here certain criteria folks should be able to check off before going 100% equities. If you meet them and want to go for it and you should do better then a portfolio of mixing bonds. The criteria: 1. Recession proof job. 2. Long time horizon (>10 yrs. Preferable greater then 20+ yrs.)...
by staythecourse
Sun Jul 24, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Where should the money go
Replies: 4
Views: 513

Re: Where should the money go

My guess it all depends on your asset allocation? If you are heavy in stocks then it would be better just to keep investing as over the remainder of your mortgage note duration you will likely make more money then the better interest rate will save. How about just investing in paying down mortgage t...
by staythecourse
Sun Jul 24, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans?
Replies: 21
Views: 1840

Re: 529 plans?

You can fund education for the family for several generations! Congrats in finding the true advantages of 529s. For the "regular" folks it is about saving for kids college. For the "rich" it is about setting up an inexpensive, low cost educational trust for generations. It is, I...
by staythecourse
Wed Jul 20, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Growing up and becoming an adult, lots of questions!
Replies: 19
Views: 2542

Re: Growing up and becoming an adult, lots of questions!

Congrats on entering the next phase of our life. May sound trite, but life changes every year from late 20's to 40. I have not had one year like the year before. The challenges may be money, may be job, may be family, may be spouse, may be kids, etc... The important thing is to remember no matter wh...
by staythecourse
Wed Jul 20, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: wishing the market would drop to buy more shares
Replies: 36
Views: 3016

Re: wishing the market would drop to buy more shares

I am not sure what the purposes of these type of threads are? I'll be more curious to see if you say the same thing when the market drops 30%, the economy sinks into another recession, and you lose your job at the same time you are trying to put 2 kids through college. Don't think i have EVER seen s...
by staythecourse
Wed Jul 20, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 26
Views: 1876

Re: Farmland REITs?

p.s. If you are interested the best avenue I saw for direct farmland investing was through Ceres partners (at that time). Seemed like a hedge fund (at least by its 2/20 expenses), but had a point of entry at 250k or so and owned actual farms. Recommend doing one's DD if still interested. Thanks ano...
by staythecourse
Wed Jul 20, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 70
Views: 6252

Re: Why did the car salesman stop replying to my emails

Boy you guys spend way too much time thinking about this stuff. The truth is obvious and would be the same if you were in the salesman position. They made an offer. You countered. They responded by not responding. That's it. Trust me if you sent another email stating that you are willing to go ahead...
by staythecourse
Wed Jul 20, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Recourse for a Lender not Following through on a on a pre-approval
Replies: 11
Views: 1118

Re: Recourse for a Lender not Following through on a on a pre-approval

I am no expert, but don't think there is any legal binding agreement made with a pre approval. It doesn't mean much until underwriting is done. That is why thre are mortgage contingencies in contracts despite buyers haveing preapproval letters. No matter who you use it would seem you situation has c...
by staythecourse
Tue Jul 19, 2016 10:42 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 26
Views: 1876

Re: Farmland REITs?

abuss368 wrote:I forgot about this REIT sector.


Not much of a sector when you are talking about 3 companies.

Good luck.
by staythecourse
Tue Jul 19, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 26
Views: 1876

Re: Farmland REITs?

I have ALWAYS wanted to invest in farmland. I have looked at this several years ago. At that time Farmland Partners i inquired about as they were private at the time. Interesting to see they went public so quick. My opion after much investigating at that time and I believe the same now after reading...
by staythecourse
Tue Jul 19, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9342

Re: Just got back from Europe...ready to sell my International...

Appreciate all thoughts. Here are my thoughts... your whole post is nonsensical. If you believe in efficient markets it makes no sense to think everything you say has not been already incorporated into the pricing. If you don't believe in efficient markets then think how inefficient the markets mus...
by staythecourse
Tue Jul 19, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Am bugged by massively inflated medical billing ...
Replies: 2
Views: 478

Re: Am bugged by massively inflated medical billing ...

Is there a question in here or just a rant?

Good luck.
by staythecourse
Tue Jul 19, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 8669

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

Apologize in advance as I only skimmed the presentation that was linked... Have no clue who the author is made the presentation, but it is pretty simplistic and would have expected better if he is a big shot. First, what do you mean you "CAN"T" finance a 30 yr. retirement in a 40 yr. ...
by staythecourse
Sun Jul 17, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6771

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

I second hiring someone to run your business. 1. You know your business as you built it. 2. No additional counterparty risk as you don't have to deal with a partner. This is HUGE. Have you thought about what would happen if he died in a car crash or he has to move due to family reasons or... 3. If y...
by staythecourse
Sat Jul 16, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Contractor tipping: owner vs onsite supervisor
Replies: 24
Views: 1224

Re: Contractor tipping: owner vs onsite supervisor

Never heard of tipping contractors. The BEST thing you can do is tell the owner that you will be writing a yelp, angies list, and other platform review becuase of how happy you are with their work. More business for him and downstream to his tradesman is the best compliment. Good luck. p.s. Off the ...
by staythecourse
Wed Jul 13, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on REIT run up so far?
Replies: 14
Views: 2011

Re: Any thoughts on REIT run up so far?

Yes, I think it's great! I suspect it's due to the low interest rates, and if rates rise we'll see REITs get knocked. Answer to the OP is who knows. Stuff goes up and down all the time in the short run and nearly (if not) 100% of the time no one knows why. For the second poster I am not sure the da...
by staythecourse
Mon Jul 11, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682498

Re: U.S. stocks in freefall

Did you ever get back into the market? What's the latest news on the China signs? What are those financial guys saying now? Funny how folks will believe anything a financial guy says. Was at a party recently and someone said one of their friends who was in finance thought the stock market was getti...
by staythecourse
Mon Jul 11, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: What's your story of overcoming loss?
Replies: 13
Views: 1897

Re: What's your story of overcoming loss?

DaufuskieNate wrote:After two costly divorces, I realized that you can't put a price on happiness. It's not about the numbers, it's about having enough...and if you can adapt, change and be flexible, you always have enough.


This should ber stickied. Great insight.

Good luck.
by staythecourse
Mon Jul 04, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 3139

Re: How to negotiate result of big item home inspection

No offense to the OP, but these type of "how do I negotiate" are IMPOSSIBLE for ANYONE to give any useful advice. The reason is everry situation is different. The only way to know is to ask and see what they say. They may counter, they may say "lets split the difference", they ma...
by staythecourse
Mon Jul 04, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3414

Re: Unexpected Medical Facility Charges - Outpatient Surgery

I have written this before but it really isn't that complicated: 1. If you are seeing a doc for visit or procedure in his office there is ONE charge (nonfacility charge) or global fee paid to provider for service AND cover the cost of running the office during that service. 2. If you are seeing a d...
by staythecourse
Mon Jul 04, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 2799

Re: A nurse practitioner will not release my medical records! Help!

Did not read the above responses so a14 pologize if I am repeating. Legally those records are yours and your provider has the legal obligation to hold those records for X years (I believe different fo each state). Medicare I believe is 7 years. Absolutely incorrect. Legally the records are owned by...
by staythecourse
Mon Jul 04, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10882

Re: Money vs. Happiness

To the OP a thread like this will get a lot of anecdoctal/ empirical responses based on folks responding and their own history or experiences. In the end who cares what any of your family, friends, or us say. It only matters what you feel. I'm turning 40 next month and the only advice I can give bas...
by staythecourse
Sun Jul 03, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 2799

Re: A nurse practitioner will not release my medical records! Help!

Did not read the above responses so a14 pologize if I am repeating. Legally those records are yours and your provider has the legal obligation to hold those records for X years (I believe different fo each state). Medicare I believe is 7 years. I would contact the NP and just tell her you need these...
by staythecourse
Sat Jul 02, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3414

Re: Unexpected Medical Facility Charges - Outpatient Surgery

[OT comment removed by admin LadyGeek] As a consumer you have a right to find out what the price is as best you can. You have a right to question the accuracy of the cost. You have a right to even sue if you don't think it was handled correct. What you have NO right is to decide on a price of anyth...
by staythecourse
Fri Jul 01, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3414

Re: Unexpected Medical Facility Charges - Outpatient Surgery

[OT comment removed by admin LadyGeek] As a consumer you have a right to find out what the price is as best you can. You have a right to question the accuracy of the cost. You have a right to even sue if you don't think it was handled correct. What you have NO right is to decide on a price of anyth...
by staythecourse
Thu Jun 30, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 3772

Re: Equities = musical chairs?

Forget about what the truth is as I have quickly learned in life folks don't really want to hear other opinions, but more interested in confirming what they already believe. I am more curious if you find it a form of musical chairs and gambling, i.e. speculation then why do you still invest in it? I...
by staythecourse
Thu Jun 30, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: 15K Deposit after Attorney Review. Buying a house. Is this Normal???
Replies: 31
Views: 2633

Re: 15K Deposit after Attorney Review. Buying a house. Is this Normal???

That stinks. I've alwasy wondered how much control sellers have in these situations. It seems to me that both parties should have to put money into escrow, so they both have skin in the game. ... I wonder what would happen if you told a seller, ok, I'll put in 10k, if you put in 10k. Just so they c...
by staythecourse
Thu Jun 30, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: I think everyone should look into a home equity line of credit
Replies: 26
Views: 1695

Re: I think everyone should look into a home equity line of credit

Like ANY credit option it will have NO downside as long as you pay the amount owe. The banks would not offer any product if they didn't make a profit. The folks that pay the interest due makes the bank losers. The few that DON'T pay the interest is when banks via any loan (credit cards or HELOC or b...
by staythecourse
Mon Jun 27, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: helping my uncle
Replies: 14
Views: 1690

Re: helping my uncle

mid 7 digit net worth and no interest/ knowledge in investing? I would say do the upfront research for a good, ethical fee only FA (bogleheads style) and estate lawyer. Meet with those folks and, if comfortable, with the plan do the paperwork. Then tell him to go enjoy all the hard work. Good luck.
by staythecourse
Tue Jun 14, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: How do we know that some with 100% stocks will act differently than someone with 50% stocks in a bear market?
Replies: 41
Views: 2208

Re: How do we know that some with 100% stocks will act differently than someone with 50% stocks in a bear market?

Great question. If anyone has actual data I (like many) would love to see it. As far as I know there is not. I am not sure if that urban myth is true or not. If one has 1million in portfolio and if one assumes (big assumption) that the a worst case scenario is 50% drop of the amount allocated to equ...
by staythecourse
Fri Jun 10, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: How long to wait before reducing house price.
Replies: 22
Views: 2304

Re: How long to wait before reducing house price.

Just sold our house on my own through a MLS listing service. No offence to the experts (as I do see a need for them in retrospect), but home selling seems pretty obvious. Here is what I learned: 1. Always better to price at or less then the market suggests and increase the price based on having mult...
by staythecourse
Fri Jun 10, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Unacceptable hotel room
Replies: 39
Views: 4311

Re: Unacceptable hotel room

If it was me I would pursue with Amex and then just flame the hotel on every public review site. Take comfort knowing the potential money lost on a potential unprofessional billing practices is MUCH more then they scored off ripping you off. Also, those reviews are forever so take comfort in knowing...
by staythecourse
Sat Jun 04, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 76
Views: 9744

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I would say a quick scan of the article AND the posters on here are full of confirmation bias. The only true answer is: WHO KNOWS?? This is one of the many questions in life (not just in investing but life) that there may be one answer, but for sure you will not know until in retrospect looking back...
by staythecourse
Tue May 31, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Measuring Diversification
Replies: 8
Views: 711

Re: Measuring Diversification

OP, Great questions. The more I read and the more I invest the more I ask myself, "what is diversification" as well. So you are not alone. Here are my thoughts based on what you are trying to accomplish by answering the questions you asked: A. It seems you are asking how do I know any fund...
by staythecourse
Tue May 31, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Behavioral Errors / Risk Tolerance
Replies: 17
Views: 1431

Re: Behavioral Errors / Risk Tolerance

I feel bad for people without enough saved up, who therefore need to take more risk to have any chance of reaching their retirement goals, but would be hurt the worst in a downturn because they can't afford any losses! And here is, in my opinion, one of the worst behavioral mistakes. In this instan...
by staythecourse
Sun May 29, 2016 7:59 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Conundrum
Replies: 25
Views: 1890

Re: Asset Allocation Conundrum

How might you feel and (more importantly) react if your $550k portfolio became a $340k portfolio (80/20 in 2008) over a relatively short period of time? Good luck Instead of all the data mining you did I would say the above is the best way to view past results. Think worst case scenario. The one I ...
by staythecourse
Sat May 21, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 8543

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

This is insane. If you are making 1 million per year and can't figure out if you can afford a 1.5 million dollar anything then there are some serious issues. Yes a house is likely the largest financial decision you nor anyone will make, but you obviously have the paycheck to do it. If you don't wit...
by staythecourse
Fri May 20, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 8543

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

This is insane. If you are making 1 million per year and can't figure out if you can afford a 1.5 million dollar anything then there are some serious issues. Yes a house is likely the largest financial decision you nor anyone will make, but you obviously have the paycheck to do it. If you don't with...
by staythecourse
Thu May 19, 2016 8:15 pm
Forum: Investing - Theory, News & General
Topic: Stocks, Bonds, and "Real Assets" (TIPS, REITs, Commodities)
Replies: 28
Views: 2165

Re: Stocks, Bonds, and "Real Assets" (TIPS, REITs, Commodities)

I'm a big believer in "real assets", BUT my issue is there a suitable mousetrap for the retail investor? My unfortunate conclusion after much research has been no. The idea of REAL means tangible and not a "play" on real assets. CCF are not REAL but a derivative instrument. TIPS ...
by staythecourse
Tue May 17, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

I did just want to interject the purpose of saving is for consumption. My wife and I make way more then we need, save quite a bit, BUT still spend on things we both truly enjoy. If that is an expensive dinner out with friends or a "doctor" house to enjoy. The key to life is moderation. The...
by staythecourse
Tue May 17, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 8174

Re: Some days still not sure I made the right choice

You maybe be right. As far as finances go it was to show that I was ready and could retire so you knew some history. Yes alone maybe some of it because I was in contact with people all day long if I wans[t on the phone I had someone in my office or I was in the field meeting them. I'm finding my wa...
by staythecourse
Mon May 16, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Hiring kids to jumpstart their Roth IRAs
Replies: 13
Views: 1551

Re: Hiring kids to jumpstart their Roth IRAs

How about starting an annuity for them instead? Vanguard's are super low in fees. Or how about a 529 plan for each? In both cases one can gift the amount up to the annual gift exemption which is significantly higher then the IRA limit anyway.

Good luck.
by staythecourse
Mon May 16, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 8174

Re: Some days still not sure I made the right choice

I find it interesting that you even discuss how much money you have. I am pretty sure your feelings of possibly making the wrong decision has NOTHING to do with finances. My guess: It has to do with lack of self worth, boredom, depression, feeling isolated/ alone, etc... So even if you have 200 mill...
by staythecourse
Mon May 16, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 4001

Re: What % do you have in alternatives? (REITs, sector funds, etc.)

I thought REITs and sector funds are just stocks. Am I missing something? :o REITS are actually different despite being stocks. The special tax treatment of the corporate structure makes it somewhere between a stock and a bond (like Mr. Swensen like to say). The fact they HAVE to disimburse 90% or ...
by staythecourse
Sun May 15, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

If you hang out in a doctors' lounge or dining room, you will soon realize the new status symbol is the ability to retire early or when you choose. The parking lot is not a place for status symbols. Agreed. I don't see many folks in awe of the new Bentley in the parking lot. The big wow factor is &...
by staythecourse
Sun May 15, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

first post appreciate all the information provided over the years 51 yo specialty physician retirement savings 5.2 million net worth 6 million background: high earner and high saver one wife and 3 kids (one in college, two in post grad school) house purchased for 235k in midwest medium sized city i...
by staythecourse
Sun May 15, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

Realizing posters to this thread, and Bogleheads generally, are outliers, I'm still struck that seemingly every doc here is saving aggressively with a goal of "out, ASAP." "Out" could mean part time but no one's written that they would love to continue their work indefinitely if...
by staythecourse
Sun May 15, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

first post appreciate all the information provided over the years 51 yo specialty physician retirement savings 5.2 million net worth 6 million background: high earner and high saver one wife and 3 kids (one in college, two in post grad school) house purchased for 235k in midwest medium sized city i...
by staythecourse
Sat May 14, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

I am not a physician and neither is my spouse, but for everyone I will give another data point: A two-income family with gross wages maxing at around $200K at age 50 semi-retires at that time (wages drop by 30%) and ends up with a mid-7 figure portfolio a few years later, no debt, McMansion, Lexuse...
by staythecourse
Sat May 14, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23799

Re: Physician Retirement Savings

Another reason to cut down as ASAP is no different then other high income worker (>400k/ yr) and that is the tax structure we have in America. If one does the same unit of work load with the same level of malpractice liability in Jan. then he/ she does in Oct. the post tax reimbursement is differen...

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