Search found 31 matches

by DameTime
Mon Mar 23, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Young investors, how do you feel about your 1st market crash?
Replies: 132
Views: 8691

Re: Young investors, how do you feel about your 1st market crash?

32yo medical professional here so only been investing heavily the last 2 years (aside from Roth IRAs). 85/15 before the downturn. Riding it out fine. Rebalanced a couple weeks ago but need to look again. Reading Bogleheads actually makes me more anxious than anything else but hard to turn away. More...
by DameTime
Sat Mar 21, 2020 6:54 am
Forum: Investing - Theory, News & General
Topic: "3 Charts That Show Why Investors Should Stay the Course Throughout Market Turmoil"
Replies: 31
Views: 4697

Re: "3 Charts That Show Why Investors Should Stay the Course Throughout Market Turmoil"

. I have absolute confidence in the innovation and spirit of people and our country. I am absolutely staying the course. Other than potential tax consequences, why not sell now, and buy back in for less later this year? Selling low thinking you’re going to be buy back lower doesn’t sound like a gre...
by DameTime
Sat Feb 29, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: Ok guys, this is a good test for me and I'm learning!
Replies: 22
Views: 1284

Re: Ok guys, this is a good test for me and I'm learning!

MotoTrojan wrote:
Fri Feb 28, 2020 10:25 pm
dru808 wrote:
Fri Feb 28, 2020 8:40 pm
Seemed to me like you have learned and we’re doing well, up until that last part. :oops:
OP seems to “get it” but then “lose it” frequently. I’m still suspicious he is a troll.
I agree. This will not be the last time, either.
by DameTime
Mon Feb 24, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18105
Views: 2555779

Re: U.S. stocks in free fall

I got $3400 sitting in cash in my taxable and $1300 in Roth. Should I buy now or wait till the market gets down to -50%? .... I urge you to develop an Investment Policy Statement (IPS). Your posts seem to indicate a temptation to react to day-to-day market news and swings. Quoting from the IPS wiki...
by DameTime
Sun Feb 16, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: PSA Form 8606 available on TurboTax
Replies: 18
Views: 1360

Re: PSA Form 8606 available on TurboTax

TurboTax is still telling me 8606 is going to be "available soon" and I can't file. At the same time, their support stated this morning that it's not available yet and to check here for updates: https://care-cdn.prodsupportsite.a.intuit.com/forms-availability/turbotax_fed_online_individual.html The ...
by DameTime
Sat Feb 08, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: What is the highest expense ratio you willingly pay?
Replies: 123
Views: 8361

Re: What is the highest expense ratio you willingly pay?

0.56 in my non-governmental 457b via TIAA's CREF Stock Account R1. It's the best amongst the limited options. I plan to contribute for a few years then re-evaluate since the disbursement options aren't great and it is theoretically subject to my employer's creditors in the event of bankruptcy.
by DameTime
Thu Feb 06, 2020 8:41 pm
Forum: Personal Investments
Topic: Suppose you inherited 150K (but) only have two choices*
Replies: 30
Views: 1946

Re: Suppose you inherited 150K (but) only have two choices*

Only a sith deals in absolutes.

My mortgage is 15 years at 3.375%, I'd personally dump it there and continue saving 30-40% of my gross for retirement as is.
by DameTime
Thu Feb 06, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 110
Views: 15427

Re: Vanguard brokerage account transition

To setup your Roth for next month TLH. Sell $3k of something in the Roth and buy minimum for money market fund. Then next day set dividend to go to the money market fund. Then next day sell $3k from money market and buy back into whatever fund you took it from the first place. Wait 30 days and then...
by DameTime
Wed Feb 05, 2020 8:36 pm
Forum: Personal Investments
Topic: S&P500 Fund vs. Total US Market: Trying to Minimize Tax Drag in Taxable Account
Replies: 11
Views: 1415

Re: S&P500 Fund vs. Total US Market: Trying to Minimize Tax Drag in Taxable Account

Because it is often un-necessary and can be avoidable by planning better. For example, I started off with TSM and TISM in taxable - I wish I never would have had my international holdings in taxable. Roughly 1/3 of the dividends are taxed at the marginal tax rate (43%) - Instead - I could have had ...
by DameTime
Wed Feb 05, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 110
Views: 15427

Re: Vanguard brokerage account transition

After putting it off for some time, I would like to try and set myself up for Tax Loss Harvesting this year. I have a Roth IRA and Taxable accounts at Vanguard and plan to TLH VTSAX (TSM) with VFIAX (S&P 500). My issue with TLH is that I do not want my dividends to reinvest automatically and acciden...
by DameTime
Sat Jan 18, 2020 8:24 am
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11478

Re: Where do you keep your Emergency Funds? How is it invested?

For those investing their EF in equities: if the market is tanking at the same time you need funds, is selling lots at a large loss for emergency capital perhaps easier said than done? I love selling equities for a loss. I love to do tax-loss harvesting. Whether equities have a loss or not will not...
by DameTime
Sat Jan 18, 2020 7:41 am
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11478

Re: Where do you keep your Emergency Funds? How is it invested?

My conclusion reading through this thread is that there are many ways to skin a cat. Even the definition of emergency is quite variable between posters, as some mention employment income as an emergency resource. What if the “emergency” was an unexpected layoff? That certainly came to fruition in 20...
by DameTime
Sun Jan 12, 2020 3:32 pm
Forum: Personal Investments
Topic: 529 AA survey
Replies: 26
Views: 1360

Re: 529 AA survey

I love your username. Lillard is one of my favorite players in the league. We use an "age based moderate" allocation for our 2 year old, invested in Vanguard index funds. Currently it's 90/10, with a third of equities in international. Thanks! Always happy to see him getting some love despite being...
by DameTime
Sun Jan 12, 2020 1:00 pm
Forum: Personal Investments
Topic: 529 AA survey
Replies: 26
Views: 1360

Re: 529 AA survey

2yo. 100% Vanguard Institutional TSM. This thread has given me some good insight towards what to do in about 10-12 years when college becomes less abstract and much closer to reality.
by DameTime
Tue Dec 31, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10852

Re: How much were you able to save this year?

Do people include matched contributions into their gross salary?

Makes sense to me to include it but it makes my savings percentage drop 4% lower. Not exactly a problem but just curious to see how people account for it.
by DameTime
Mon Dec 30, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer
Replies: 45
Views: 4086

Re: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer

Dermatologists go through 4 years of post graduate training, so the numbers for the sake of comparison are even worse. The salary floor for physicians is quite good, however the hours and delayed start make for a substantial amount of catch up. Would be interesting to see years 10-20.
by DameTime
Sun Dec 29, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1515

Re: Good quality work/ dress shoes?

What's your budget? Would you be willing to spend $2-300+ if they lasted you a decade (or longer) with proper care?
by DameTime
Sat Dec 28, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37272

Re: Today is the day!

$39.99 with $10 mailed gift card. Pick Deluxe + State + $10 Gift Card. Likely TODAY ONLY! https://www.amazon.com/dp/B07YH2W223/ref=twister_B07ZP4DMWR?_encoding=UTF8&psc=1&tag=bogleheads.org-20 Use the above link and this forum will get a commission. If you don't need State, it is $10 less, pick Del...
by DameTime
Mon Dec 23, 2019 8:26 am
Forum: Personal Investments
Topic: Fund Roth or pay off student loans?
Replies: 17
Views: 624

Re: Fund Roth or pay off student loans?

Por que no los dos? Given your salary and the ability to fully fund the Roth up until April, I think you can have your cake and eat it too. Have a pre-emptiness congrats on getting out of your student loan debt.
by DameTime
Sat Nov 30, 2019 9:52 pm
Forum: US Chapters
Topic: Birmingham, Alabama local chapter
Replies: 35
Views: 4145

Re: Birmingham, Alabama local chapter

Stinky wrote:
Fri Nov 29, 2019 10:29 am
DameTime, we'll definitely update you on future meetings. We'll probably meet again on the first or second Sunday of January, and I'll make sure to reach out to you directly.
I appreciate it, look forward to hopefully attending.
by DameTime
Thu Nov 28, 2019 11:28 pm
Forum: US Chapters
Topic: Birmingham, Alabama local chapter
Replies: 35
Views: 4145

Re: Birmingham, Alabama local chapter

Bummer, won’t be getting in to town until late Sunday but I am definitely interested in attending a future meeting. Please keep me in the loop. Cheers
by DameTime
Fri Nov 08, 2019 11:29 pm
Forum: Personal Investments
Topic: Investing in Taxable Account. Good or bad?
Replies: 20
Views: 2296

Re: Investing in Taxable Account. Good or bad?

Just take a deep breath and try to understand what all these very smart and well intentioned posters are unanimously telling you. You are leaving a significant amount of money in the table in both the present and the future but only investing in a taxable account. I encourage you to keep an open min...
by DameTime
Tue Oct 15, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5993

Re: Doctors charging for things outside of insurance, is this Kosher?

This is the part I don't get, especially given the reasoning for this "fee". IF you do have the surgery, the surgeon presumably gets paid his/her regular fee (from the insurer and perhaps some from you). WHAT is that extra fee for, if he/she is getting paid the full amount? The surgeon kept the tim...
by DameTime
Tue Oct 15, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5993

Re: Doctors charging for things outside of insurance, is this Kosher?

You have a presumably busy physician putting his schedule on hold for you. They're going through the trouble of providing you the safest option. There are likely providers out there that would tell you it's less than 50/50 and to just go ahead and recommend the procedure. Don't think you would like...
by DameTime
Tue Oct 15, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5993

Re: Doctors charging for things outside of insurance, is this Kosher?

This is the part I don't get, especially given the reasoning for this "fee". IF you do have the surgery, the surgeon presumably gets paid his/her regular fee (from the insurer and perhaps some from you). WHAT is that extra fee for, if he/she is getting paid the full amount? The surgeon kept the tim...
by DameTime
Tue Oct 15, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5993

Re: Doctors charging for things outside of insurance, is this Kosher?

You have a presumably busy physician putting his schedule on hold for you. They're going through the trouble of providing you the safest option. There are likely providers out there that would tell you it's less than 50/50 and to just go ahead and recommend the procedure. Don't think you would like ...
by DameTime
Tue Oct 15, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4647

Re: How much do you spend on cellular annually?

$20/line per month, two lines between wife and I. $480 a year. We pay her sister who controls the family plan. T-Mobile. 5GB 4G LTE data after which it is throttled. Unlimited talk and text. T-Mobile Tuesday's is a nice perk where any subscribers get access to weekly deals and giveaways including 10...
by DameTime
Wed Sep 11, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5131

Re: Calling all iPhone SE Bogleheads

64gb SE the last two years. Bought it used at a great price. It’s starting to show its age and the batter life is terrible, needing at least one or two charges a day. The battery health app says 86% which is not encouraging, Just about ready to move on, begrudgingly.
by DameTime
Tue Aug 13, 2019 8:11 pm
Forum: Personal Investments
Topic: Vanguard SEP-IRA rollover for Roth IRA purposes
Replies: 4
Views: 319

Re: Vanguard SEP-IRA rollover for Roth IRA purposes

Thanks everyone. Since Vanguard won't accept a rollover, it sounds like a rollover to Fidelity, where she already has an established 403(b) with good fund options is going to be the best bet.
by DameTime
Tue Aug 13, 2019 9:03 am
Forum: Personal Investments
Topic: Vanguard SEP-IRA rollover for Roth IRA purposes
Replies: 4
Views: 319

Vanguard SEP-IRA rollover for Roth IRA purposes

Sorry for this rather specific, but likely beginner level question. Could someone please confirm for me that I am thinking about this reasonably? My wife has about 100k in a Vanguard SEP-IRA which she contributed to over the years with pre-tax dollars when she was a 1099 contractor. She has her own ...
by DameTime
Mon Aug 05, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3353

Re: Medicare vs Eye Docs

Ophthalmologist here. Good to see some others as well. Find a general, comprehensive Ophthalmologist in your area for a complete eye exam. This will almost certainly include a glasses check. If you're not sure, just ask when you call to schedule the appointment. The Ophthalmologist will examine your...