Search found 558 matches

by preserve
Sat Jul 25, 2009 5:28 pm
Forum: Personal Consumer Issues
Topic: I'm dating a med school student and she's deeply in debt
Replies: 147
Views: 26157

ResearchMed wrote: Excuuuse me!?

Just "who" might "these women" actually be?
Any nice female date?
Any female during her medical training?

Are "we" all on the right Forum here?

RM
[crude sexist remark removed]

Lets see where that gets you.
by preserve
Sat Jul 25, 2009 4:50 pm
Forum: Personal Consumer Issues
Topic: I'm dating a med school student and she's deeply in debt
Replies: 147
Views: 26157

Why do radiologists make so much more? Just curious. In Japan the median radiologist compensation is $150k, while in the United States the median compensation is about $400k. Both of these numbers are the net pay after malpractice insurance is paid. In Japan MRI's are much more available, and peopl...
by preserve
Sat Jul 25, 2009 4:42 pm
Forum: Personal Consumer Issues
Topic: I'm dating a med school student and she's deeply in debt
Replies: 147
Views: 26157

ResearchMed wrote: It is NOT at all clear that she is aware there is already a major barrier.
And that IS a real problem.
How can she not be aware? Thats why many of them date three or four at the same time.
by preserve
Sat Jul 25, 2009 3:35 pm
Forum: Personal Consumer Issues
Topic: Affordable "daily moisturizer with SPF 15 +" --for
Replies: 23
Views: 4881

amp wrote:Cetaphil's Daily Facial Moisturizer is SPF 15 and runs about $11 to $12 for four ounces. It's unscented too.

It works well for me.
+1.
by preserve
Sat Jul 25, 2009 3:20 pm
Forum: Personal Consumer Issues
Topic: I'm dating a med school student and she's deeply in debt
Replies: 147
Views: 26157

Re: I'm dating a med school student and she's deeply in debt

Yes, this is the key. If she is financially ignorant and living it up, then you won't be a good match no matter how much money she is making in the future. If she has the financial smarts to be able to pay off the debt in a reasonable amount of time, then don't let the big debt number scare you awa...
by preserve
Sat Jul 25, 2009 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Semi-retiring in your 30's
Replies: 105
Views: 23126

Re: Semi-retiring in your 30's

$1 million at 35 using a conservative 2.5% withdrawl rate would give about $25,000/year. If you can get that much in income with the part-time work, that's $50k. Plenty of money to live on if you have no mortgage and move to a low cost of living part of the country. It depends what your part-time j...
by preserve
Thu Jun 25, 2009 9:41 am
Forum: Investing - Theory, News & General
Topic: What happens to the economy when...
Replies: 2
Views: 771

What happens to the economy when...

When all these phase out.

1)low interest rates
2)Temporary income tax relief
3)New Home owners credit
4)New car credit
5)Soldiers come back from the middle east.
by preserve
Sat Jun 20, 2009 10:19 am
Forum: Investing - Theory, News & General
Topic: NY Times Article: New Rules For Retirees & Near Retireme
Replies: 8
Views: 2437

I hate rules.
by preserve
Sat Jun 20, 2009 10:15 am
Forum: Investing - Theory, News & General
Topic: Is a college degree worthless?
Replies: 133
Views: 18370

My dad left the Air Force in 1966 and took one or two classes in mainframe programming and became a programmer/analyst without college. No way in h-e-double-hockey-sticks that happens today. Non-college degreed programmers and systems engineers are dime a dozen. There are many college degreed compu...
by preserve
Sat Jun 20, 2009 10:11 am
Forum: Investing - Theory, News & General
Topic: Is a college degree worthless?
Replies: 133
Views: 18370

p.s. I've fired far more Ph.D's than BS's or MS's - probably because I erroneously expected more of them! So Ph.D's and MS's don't count for much if the kid simply wanted to avoid work for a few more years. I'm curious what type of PhD's these people had, and if it was related to the field they wer...
by preserve
Sat Jun 20, 2009 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Hit a cop car, help?
Replies: 54
Views: 9880

Your probably going to have to fight it.

If the cop is not at fault in the report, the insurance company is going to try to collect the deductible from you.

In most states, you don't have to pay the deductible if the police report states your not at fault.
by preserve
Thu Jun 18, 2009 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: The case pro/con regarding HDHP's and HSA's
Replies: 13
Views: 3671

Friken Kennedy. HSA's were making a big dent in lowering medical costs / administrative costs.

Obviously, he wants to kill it.
by preserve
Thu Jun 18, 2009 2:04 pm
Forum: Investing - Theory, News & General
Topic: FT: The recession tracks the Great Depression
Replies: 25
Views: 4535

SamB wrote:
uncleJohn wrote:
I can't believe that people actually get paid for this type of analysis.
There is a whole industry that gets paid for this type of stuff. In hindsight, I definitely chose the wrong career.

The other Sam
Funny. That is only type of analysis you get paid for!

Who gets paid to be honest?
by preserve
Thu Jun 18, 2009 2:01 pm
Forum: Personal Investments
Topic: I need help to advise my parents on AA to be ready to retire
Replies: 8
Views: 1760

DSInvestor wrote:The asset allocation needs to be your parent's decision.
Yes, absolutely. They will listen to you, but they won't. You just have to go with it.
by preserve
Sat Jun 13, 2009 2:11 pm
Forum: Personal Consumer Issues
Topic: Underemployed
Replies: 29
Views: 4543

Re: Underemployed

On days like this, it drives me crazy to be underemployed. I am a Ph.D. level administrator and my work seems to come in bursts. Today I have done nothing of consequence. My boss has no new work for me right now. Others in my department have no new work for me right now. There's only so much readin...
by preserve
Thu Jun 11, 2009 1:48 pm
Forum: Investing - Theory, News & General
Topic: Biggest non diversified risk = US Country Risk?
Replies: 45
Views: 6318

Re: Biggest non diversified risk = US Country Risk?

Why risk 50 percent in any ONE country? Because it really doesn't make much difference (except in Expense ratio). The stock market / financial system is a western dominated system. Even if someone were to go 100% ex-US, they can't escape the wrath of what occurs in England and the US. They really a...
by preserve
Wed Jun 10, 2009 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card 3% cashback no more
Replies: 280
Views: 305811

there is no need to shred the no-fee card if you switch to another bank. Just put it away and use it only once every 6 months so they don't cancel it. This will prevent any negative effect on your FICO score, and it will actually cost Chase a little to keep the account open. You guys are brutal :lo...
by preserve
Tue Jun 09, 2009 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card 3% cashback no more
Replies: 280
Views: 305811

That means you were offered the "Standard" Freedom Card. Appartently there are 3 varieties of the new Freedom Cards: "Standard" with no fee, "Ultimate Rewards" with a $30 annual fee and "Sapphire" with a $95 annual fee. Here's the story from the WSJ: http://online.wsj.com/article/SB1244083829360840...
by preserve
Mon Jun 08, 2009 10:12 am
Forum: Personal Consumer Issues
Topic: cheap cell phone plans
Replies: 20
Views: 7894

Re: T-Mobile Prepaid: The Diehardphone

If you: 1) Use your phone less than 200 min/mo, and 2) Don't text, Then I don't think you can beat T-Mobile prepaid. Virgin Mobil. $60 a year. I don't think it is fair to say that any plan can't be beat. It all depends on very specific user needs. People should clearly shop trac-fone, t-mobil, virg...
by preserve
Sat Jun 06, 2009 8:55 pm
Forum: Personal Consumer Issues
Topic: Sotomayor Details Finances (WSJ article)
Replies: 3
Views: 1373

Sotomayor Details Finances (WSJ article)

http://online.wsj.com/article/SB124413031577885411.html The judge listed assets of $31,985 in cash, $1,017,500 in real estate and $108,918 in personal property, against $418,350 in liabilities, including $15,823 in credit-card debt and $15,000 in dental bills. Her residence in a Manhattan apartment...
by preserve
Sat Jun 06, 2009 8:14 pm
Forum: Personal Consumer Issues
Topic: cheap cell phone plans
Replies: 20
Views: 7894

the deal maker is the included 1000 txt's and 30 megs of data.
by preserve
Sat Jun 06, 2009 10:55 am
Forum: Personal Finance (Not Investing)
Topic: CALPERs and financial woes
Replies: 10
Views: 2297

They'd be in much less of a crisis if they'd simply invested in a mixture of total stock market and total bond market. I'm not sure what drives pension fund managers to invest in weird things. a pension manager can't justify paying 5% expense ratio to their buddy for a total stock market fund. thus...
by preserve
Sat Jun 06, 2009 9:05 am
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138787

Mitsubishi starts making iMev http://www.nni.nikkei.co.jp/e/fr/tnks/Nni20090604DA4J6041.htm Coda sedan http://gm-volt.com/2009/06/03/yet-another-electric-car-start-up-coda-automotive-and-its-mainstream-sedan/ $30k after government subsidies for an electric car isn't bad. I can't wait for people to ...
by preserve
Wed Jun 03, 2009 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why do Bogleheads buy houses?
Replies: 206
Views: 33531

I didn't realize the boglehead philosophy of not timing the market only applied to 401k accounts. Can you dollar cost average into a home? No you can't. You can't dollar cost average your university degree either. Doesn't mean you shouldn't go to a university. Dollar cost averaging isn't the end al...
by preserve
Tue Jun 02, 2009 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why do Bogleheads buy houses?
Replies: 206
Views: 33531

I didn't realize the boglehead philosophy of not timing the market only applied to 401k accounts.
by preserve
Mon Jun 01, 2009 4:58 pm
Forum: Personal Investments
Topic: Foreign Bond Funds?
Replies: 28
Views: 5258

You don't get currency diversification with domestic equity. You get it with FOREIGN equity. Which is what the chart I posted previously mentions. Paul There was good literature out in 2001 about how foreign equity did not provide any more currency diversification than domestic equity. Now looking ...
by preserve
Sun May 31, 2009 9:28 pm
Forum: Personal Investments
Topic: Foreign Bond Funds?
Replies: 28
Views: 5258

You're confusing currency effects vs. bonds as ballast. Unhedged bonds introduce more volatility. You *can* get currency diversification through equity. Yes, I'm well aware that you can get currency diversification through domestic equity. Why beat around the bush though? One thing is for sure. You...
by preserve
Sun May 31, 2009 9:21 pm
Forum: Personal Investments
Topic: Foreign Bond Funds?
Replies: 28
Views: 5258

That said, if the OP's concern is primarily domestic spending power: then I should imagine TIPS would perform much the same function. The problem with the statement is that there is no longer a difference between domestic and international spending power. They have converged drastically. If an indi...
by preserve
Sun May 31, 2009 8:56 pm
Forum: Investing - Theory, News & General
Topic: 100% bonds, says some guy
Replies: 42
Views: 6211

The danger now may be that investors allocate too conservatively for their age/spending plans/inflation. I suspect many people will allocate too conservatively now...then the bull market will return...they will get back in stocks...and then.. :shock: wham :shock: ..another bear. This comment is per...
by preserve
Sun May 31, 2009 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Where should one be at 30?
Replies: 103
Views: 38666

Re: Where should one be at 30?

How much in retirement savings should the 'average' Boglehead have accumulated by 30? Single or couple? Hypothetically a boglehead went to graduate school and graduated at 24. Has maxed out 401k and IRA at 20k with additional bonus. So that would be 120k Probably subtract another 20k in market loss...
by preserve
Sun May 31, 2009 12:37 pm
Forum: Investing - Theory, News & General
Topic: 100% bonds, says some guy
Replies: 42
Views: 6211

At least the Atkins diet lowered the overall caloric intake.
by preserve
Sun May 31, 2009 12:29 pm
Forum: Personal Investments
Topic: Foreign Bond Funds?
Replies: 28
Views: 5258

thanks for the article paul. i had not realized that competing international etf's have come out. can't wait for the lower ER's.
by preserve
Sun May 31, 2009 12:14 pm
Forum: Personal Investments
Topic: Foreign Bond Funds?
Replies: 28
Views: 5258

Biasion is shooting blanks into the air. Foriegn equity is no substitute for bonds, just like domestic equity is no substitute for domestic bonds.

The downfall with international bond investing is expense ratio. If ER was in line with domestic, I would be 50/50 international and domestic bonds.
by preserve
Sat May 30, 2009 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why do Bogleheads buy houses?
Replies: 206
Views: 33531

Renting is sliding into a non-commited relationship. There is not the same sense of citizenship or sense of community and mutual group responsibility that an owner has. It's about a sense of tribal identity, a sense of place. The ability to state: this is my place, welcome. The ideology that people...
by preserve
Wed May 27, 2009 5:44 pm
Forum: Investing - Theory, News & General
Topic: Bonds Tanking--ECBs Rumored to be Fed Up
Replies: 26
Views: 5367

I'd be curious to know what the alternative investment is for those who would consider selling very large chunks of US treasuries. Presumably, foreign governments/institutions have purchased these as the safest place to park money. Until there becomes a safer alternative, I'm not too concerned. Or ...
by preserve
Tue May 26, 2009 6:37 pm
Forum: Investing - Theory, News & General
Topic: Bonds Tanking--ECBs Rumored to be Fed Up
Replies: 26
Views: 5367

I'd be curious to know what the alternative investment is for those who would consider selling very large chunks of US treasuries. Presumably, foreign governments/institutions have purchased these as the safest place to park money. Until there becomes a safer alternative, I'm not too concerned. - D...
by preserve
Tue May 26, 2009 6:29 pm
Forum: Investing - Theory, News & General
Topic: Inflation, salary, personal views
Replies: 32
Views: 4870

Re: Inflation, salary, personal views

So it seems to me that while you're earning and accumulating , even if you do nothing particular at all to hedge against inflation, it will probably pretty much take care of itself in the long run. To me it highlights the point that an individual should strive hard to stay healthy and continually i...
by preserve
Tue May 26, 2009 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why do Bogleheads buy houses?
Replies: 206
Views: 33531

Re: Why do Bogleheads buy houses?

I have read a lot of rent vs. buy threads in the archives, but haven't found a compelling answer: Why do Bogleheads, so concerned with minimizing expenses and building wealth, buy and (generally) recommend buying homes?. If you already have wealth, it is a good way to protect part of your assets. I...
by preserve
Tue May 26, 2009 6:04 pm
Forum: Personal Investments
Topic: Why do Money Market Funds Suck?
Replies: 23
Views: 7123

Re: Why do Money Market Funds Suck?

In my experience, online bank accounts aren't worth it. Too much hassle keeping track of it. Almost every single online bank I've put money into has either gone out of business or been bought out. Try some of the better run credit unions. They are non-profit, and you will get their loan profits min...
by preserve
Mon May 25, 2009 2:08 pm
Forum: Personal Investments
Topic: Why do Money Market Funds Suck?
Replies: 23
Views: 7123

Re: Why do Money Market Funds Suck?

In my experience, online bank accounts aren't worth it. Too much hassle keeping track of it. Almost every single online bank I've put money into has either gone out of business or been bought out. Try some of the better run credit unions. They are non-profit, and you will get their loan profits min...
by preserve
Sun May 24, 2009 11:49 am
Forum: Personal Consumer Issues
Topic: "Depression Babies and Risk-Taking"
Replies: 3
Views: 1379

conditioned response.

I think the title is mis-leading with Depression babies though. Depression babies have actually experienced a healthy stock market.
by preserve
Sun May 24, 2009 11:47 am
Forum: Personal Investments
Topic: Why do Money Market Funds Suck?
Replies: 23
Views: 7123

Re: Why do Money Market Funds Suck?

Why do FDIC insured online savings accounts offer rates several times higher than Vanguard Money Market funds? It would be nice to keep my emergency cash with Vanguard, but the interest rates are pitiful (.4% vs 2%+). If an FDIC insured online savings account did not have higher yields than MM, I d...
by preserve
Fri May 22, 2009 6:19 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138787

I suspect Daimler is going to try to rape Tesla for battery knowledge to put in MB cars. Maybe the small MB sports cars to start and then more mainstream stuff in the future. Just like they stole Jeep 4x4 technology for the MB brand. They did that quite successfully and now MB has great 4 x 4 SUV v...
by preserve
Tue May 19, 2009 6:14 pm
Forum: Investing - Theory, News & General
Topic: "My Personal Credit Crisis" by a NYT economics rep
Replies: 81
Views: 14100

Eight months after my last payment to the bank, I am still waiting for the ax to fall. This suggests to me something seriously wrong with the banking system and housing markets. Eventually, the banks will have to act on their defaulted loans and if they are sloppy and just foreclose on everybody, e...
by preserve
Sun May 17, 2009 12:39 pm
Forum: Investing - Theory, News & General
Topic: "My Personal Credit Crisis" by a NYT economics rep
Replies: 81
Views: 14100

Do these women judge each other by the size of their wedding diamonds? In today's American society conformity and frugality do not go together. Victoria No, diamonds and conformity don't seem to be an issue among educated women. I will go out on a limb and say this. 1)They are very good at finding ...
by preserve
Sun May 17, 2009 11:40 am
Forum: Investing - Theory, News & General
Topic: "My Personal Credit Crisis" by a NYT economics rep
Replies: 81
Views: 14100

"Oh, and by the way, we will be living in an apartment, share an old car, never dine out, and save in every possible way."? I'd love to receive a how-to book for that.. I am seeing an uptick in women my age trying to show that they can be a frugal stay at home mom, yet they are failing miserably. T...
by preserve
Sat May 16, 2009 8:12 am
Forum: Investing - Theory, News & General
Topic: 2009 graduates could face lower pay for a decade
Replies: 33
Views: 4789

Re: 2009 graduates could face lower pay for a decade

http://finance.yahoo.com/career-work/article/107066/The-Curse-of-the-Class-of-2009 Economic research shows that the consequences of graduating in a downturn are long-lasting. They include lower earnings, a slower climb up the occupational ladder and a widening gap between the least- and most-succes...
by preserve
Fri May 15, 2009 11:42 pm
Forum: Investing - Theory, News & General
Topic: "My Personal Credit Crisis" by a NYT economics rep
Replies: 81
Views: 14100

To be fair, he works as an economics reporter, not a personal finance reporter. He covered macroeconomics, the fed, and what not, not how to come up with a household budget and stay within the budget. Don't think it matters either way. It is common for attorneys to put off writing their will, and m...
by preserve
Thu May 14, 2009 7:00 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138787

Valuethinker wrote: Until new consumer products have crossed the chasm, price isn't a major factor.
Its 2009 and price is "THE" factor. Any retailer that has survived till now will tell you that.
by preserve
Tue May 12, 2009 7:01 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138787

A clear 'me too' vehicle but with cost engineered down. According to press pictures, the new Honda Insight will look astonishingly similar to the Prius. I'm thinking that will have an interesting effect, in that it will cement the Toyota Prius/Honda Insight appearance as the hybrid "look." It will ...