Search found 40 matches

by MDIndexer
Thu Mar 12, 2009 9:31 am
Forum: Personal Consumer Issues
Topic: What are the jobs of the future
Replies: 58
Views: 9668

Re: What are the jobs of the future

I worked in the IT field as a software engineer. Over the years, I have shifted from technology to technology. One of my co-worker often wonder why I often take assignments in area I know nothing about. This is partly because I have a thirst for knowledge, and partly because I want to survive. The ...
by MDIndexer
Fri Mar 06, 2009 3:32 pm
Forum: Investing - Theory, News & General
Topic: Reasons to be cheerful
Replies: 57
Views: 8764

Re: Cheerful

My retirement is delayed by a least a year because of all this, and will probably be a little poorer, anyway. But that's fine. I'm still cheerful, because on 9/11/01 I left the 78th floor of the WTC South Tower about four minutes before a plane wing went through it. And since then, I've gained a be...
by MDIndexer
Sat Nov 15, 2008 10:44 am
Forum: Personal Consumer Issues
Topic: The NEW Wall Street Dictionary
Replies: 1
Views: 734

The NEW Wall Street Dictionary

1. The problem with investment bank balance sheets is that... "On the left side, nothing is right. On the right, nothing is left."    2. There are 30 billion prime numbers below 700 billion. The rest are all subprime.    3. How do u define optimism? A banker who irons 5 shirts on a Sunday.    4. For...
by MDIndexer
Fri Jul 25, 2008 3:23 pm
Forum: Personal Consumer Issues
Topic: Cocktails for the Lounge
Replies: 42
Views: 8964

How about an Asthma Attack shot?
1/2 oz Everclear® alcohol
1/2 oz Bacardi® 151 rum
1/2 oz DeKuyper® Razzmatazz liqueur
1 oz amaretto almond liqueur
by MDIndexer
Mon Nov 12, 2007 7:22 pm
Forum: Investing - Theory, News & General
Topic: The Expected Value Premium --- 2007
Replies: 92
Views: 22128

And you can sleep well at night? :shock: My DFA SCV position is 40% of my total portfolio. No, I do not have any problems sleeping! :) However, my portfolio is only in the low six figures (I'm 29), so I don't have as much to lose as others would. I also have a very stable job (military), so I'm not...
by MDIndexer
Mon Oct 29, 2007 11:20 am
Forum: Personal Consumer Issues
Topic: Question for Lawyers & Business Professionals - JD/MBA
Replies: 34
Views: 10494

I would say it depends on the type of law you want to pursue. My brother recently graduated from UPenn Law and will be doing M&A in NY at a large firm. Two of his friends are also doing M&A at large firms (Wachtell/Lipton/Rosen/Katz and Simpson/Thatcher/Bartlett) but graduated from UPenn with JD/MBA...
by MDIndexer
Tue Oct 23, 2007 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist Meets WallStreet…Classic
Replies: 22
Views: 18007

And the story continues as seen below. Rebuttal from the women To the gentleman who called me a depreciating asset -------------------------------------------------------------------------------- Date: 2007-10-11, 8:23AM EDT Dear Sir, I must confess that I was somewhat taken aback upon reading your ...
by MDIndexer
Thu Sep 27, 2007 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Converting to Roth IRA
Replies: 31
Views: 5732

Allan,

Thanks. This sounds like a loophole though doesn’t it?

Each year you put 15k in your deductible 401K (pre-tax), and then convert it and never pay SS or Medicare on that amount.

I will convert in December and pay estimated taxes 1/15 on the conversion so this is helpful.

Thanks again.
by MDIndexer
Thu Sep 27, 2007 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Converting to Roth IRA
Replies: 31
Views: 5732

When you convert your Deductible Traditional IRA to a Roth IRA, I know you have to pay federal and state withholding taxes. Do you also have to pay social security and Medicare taxes as well? If we do have to pay social security and Medicare taxes, do we have to pay just the half that employees pay ...
by MDIndexer
Tue Sep 25, 2007 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: what do you drive? conservative or spendy?
Replies: 99
Views: 39904

I drive a Honda Civic. 110k miles. On another forum I frequent ( bobistheoilguy ) a plastic surgeon has many of the cars people here dream about: 1.) Ferrari Enzo 2.) Maybach 3.) lamborghini murcielago 4.) Ferrari 550 5.) Ford Explorer 6.) Mercedes ??? 7.) One heck of a garage Click here for forum t...
by MDIndexer
Thu Aug 30, 2007 2:05 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses online
Replies: 32
Views: 13705

I have ordered 3 times from ZenniOptical and have had nothing but a good experience with them.The same rimless glasses lenscrafters tried to sell me for ~$310 after tax and all the options for some calvin kleins, was ~$41 shipped. The ONLY difference was there was no emblem saying calvin klein on th...
by MDIndexer
Mon Aug 27, 2007 10:15 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1119
Views: 633704

Hi all, This is my first post. Can someone briefly explain to me the differences in how Nominal and Real Growth are calculated in this spreadsheet model? Appreciate it. Rich Nominal would be the value of your Asset Allocation at the time specified in the spreadsheet. Real Value specifies the value ...
by MDIndexer
Mon Jun 18, 2007 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

Here is the reveal of the winner.

Here is his interview post winning the show.
by MDIndexer
Sun Jun 17, 2007 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

by MDIndexer
Fri Jun 15, 2007 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

Seem he has his a fan site following which can be found HERE. Seems like life has thrown him some hard knocks. He had cancer, and days after recovering he was knocked off his bike and broke a collarbone.
by MDIndexer
Fri Jun 15, 2007 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

Well Paul Potts did it again. HERE he is in the semi-finals. I have a feeling he will win.
by MDIndexer
Wed Jun 13, 2007 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

HERE is Pavarotti singing the same song(Nessun Dorma).
by MDIndexer
Wed Jun 13, 2007 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Opera singer on Britain’s Got Talent
Replies: 30
Views: 14223

Opera singer on Britain’s Got Talent

HERE is a phone salesman who no one took serious till he opened his mouth. I am not one for opera but this blew me away. I hope he wins.
by MDIndexer
Sat Jun 09, 2007 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Man amputates own leg to get free of fallen tree
Replies: 1
Views: 1293

Man amputates own leg to get free of fallen tree

Here is an incredible article on MSNBC. I dont know if I would have the guts to do this to myself.
by MDIndexer
Sat Jun 09, 2007 2:12 am
Forum: Investing - Theory, News & General
Topic: Boglehead survey: Is Social Security A Good Thing?
Replies: 171
Views: 66513

I see social security as a welfare program. You'll never get back the amount you put in. I do not even plan on social security in my retirement planning.
by MDIndexer
Fri Jun 01, 2007 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

I continue to learn and for that reason I am set on this asset allocation. I saw the following posting many times in the forums. Here is a list of securities in approximate order of their tax-efficiency. (Least tax efficient at the top.): Hi-Yield Bonds Taxable Bonds TIPS REIT Stocks Stock trading a...
by MDIndexer
Thu May 31, 2007 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Since I'm in it for the long term (at least 37 years before retiring), then I could handle the ups and downs of the market without worrying. So: 1.) Are LCB, SCB, and International the right choices for a taxable account? Should I instead put VWO in the taxable for possible tax harvesting (due to it...
by MDIndexer
Thu May 31, 2007 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

I chose this amount of emerging markets because I think that in the future those countries will make up a greater % of the global economy then they currently do today. I also believe they will be a big demand in those countries for resources domestically to grow (as is happening in India/China with ...
by MDIndexer
Wed May 30, 2007 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Anyone?
by MDIndexer
Wed May 30, 2007 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

After doing some research and reading some more I have decided to take a slice and dice approach. I am contemplating the following: Brok Vanguard Large Cap VV 10.58% Vanguard Small Cap VB 10.58% Vanguard FTSE All-World ex-US ETF VEU 9.96% Roth Vanguard Emerging Markets ETF VWO 4.37% Vanguard FTSE Al...
by MDIndexer
Wed May 30, 2007 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit Scores
Replies: 5
Views: 2187

Re: Credit Scores

I have a very good credit scores at three agencies with average 800. I just wonder any impact on my credit scores if I open up a large amounts of home equity line of credit against my home with BOA ( around 450k ) with zero balance for years for rainy days. Any comments or experiences best wishes t...
by MDIndexer
Thu May 24, 2007 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Marriage, Retirement, Debts, and Emergency Fund, Oh MY!
Replies: 26
Views: 7873

Re: Marriage, Retirement, Debts, and Emergency Fund, Oh MY!

Hi all, Basically my subject line should sum up a few problems I am facing with some majorly hard decisions. Well here is the Laundry list: 1. I have $75k in student loans a. $37k in 8.25%~9.75% variable Private Sallie Rip-off Mae loans b. The rest is in a consolidated 4.25% fixed Fed loans. 2. $5k...
by MDIndexer
Wed May 23, 2007 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Protection against identity theft?
Replies: 27
Views: 10176

Re: Protection against identity theft?

I once had an unknown person open up a cellphone account in my name and SSN with a phony address, and run up $400 in bills...I eventually ended up just paying the $400 to get my good credit back. I can understand why you paid the $400. I'm sure it was the most expedient way to get your mortgage. Ho...
by MDIndexer
Wed May 23, 2007 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Protection against identity theft?
Replies: 27
Views: 10176

Just wanted to comment on this because I have been using TrueCredit (through myprivacymatters.com) to monitor my credit. I have been doing so since April 2005 when ChoicePoint notified me that information containing my personal Info (SSN, Name, and Address) was breached. I was one of the luck 145k p...
by MDIndexer
Thu May 17, 2007 10:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Archived master thread for Washington DC Area Bogleheads
Replies: 174
Views: 72509

Just our of curiosity, what is the typical turn out for this meeting?
by MDIndexer
Wed May 16, 2007 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Are you a professional poster?
Replies: 19
Views: 6094

Re: Not Professional or Retired

Laura wrote:SmallHi,

I can only speak for myself but I am not retired or a financial professional of any sort.

Laura
I could have sworn you were a finanicial planner from reading your posts. You have helped many including myself.

Thanks
by MDIndexer
Tue Apr 17, 2007 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Book
Replies: 3
Views: 1842

XtremeSki2001, I would recommend Real Estate Investing for Dummies . You could probably find it at your local library. This is a good book to start with. It talks about finding properties, how to project your income and cashflow, how to find and keep good tenants, etc. This will give you a good unde...
by MDIndexer
Mon Apr 09, 2007 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Laura,

Thanks a lot. I will pay of the mortgage and keep the percentages similar to what is found in the above AA.

Thanks.
by MDIndexer
Sun Apr 08, 2007 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Re: Looks Good

MDIndexer, I think your updated portfolio looks great. You also said: When I do the rollover I will also look into paying off the 7.375% loan. Just make sure you don't decide to pull money out of the IRA to pay it off. You don't want to pay the penalty or the taxes. I don' think you meant this with...
by MDIndexer
Sun Apr 08, 2007 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

I've updated the Asset Allocation for Roth and Traditional around a little so I have at least 10K in each fund. This way I don’t get charged a maintenance fee from Vanguard. Taxable: VTSMX(Vanguard Total Stock Mkt Idx) $49,500 Roth: VGTSX(Vanguard Total Intl Stock Index) $24,850 Traditional IRA (Rol...
by MDIndexer
Sat Apr 07, 2007 7:42 pm
Forum: Investing - Theory, News & General
Topic: What's your current FICO score?
Replies: 39
Views: 17772

Re: What's your current FICO score?

There are 3 types of credit scores. I'm asking specifically about FICO (aka Fair Isaac & Co.) score. I get mine for free every month by having a Providian Visa, which is a nice Boglehead-friendly way to keep tabs on my credit score. :idea: 819 currently. I applied for the Providian card solely to m...
by MDIndexer
Sat Apr 07, 2007 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Laura, 1. Do you have any debt other than your mortgage? Car loans, CC debt, student loans? If yes, you might want to work on paying them down first. No. I only have 2 mortgages on my property. A 160K loan at 5.875% 30 year fixed, and a 30K Loan at 7.375% also fixed over 30 years but it’s a balloon ...
by MDIndexer
Sat Apr 07, 2007 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Re: Risk and reward

If your returns do not approach 12%, do you plan to increase your risk? I would be willing to change my portfolio to assume more risk right now. I picked 30% as a general number but I have already lost money trading stocks on my own with play money (about 10K). I learned quickly I can’t time and ou...
by MDIndexer
Sat Apr 07, 2007 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Some exerpts from http://www.evansonasset.com/index.cfm/Page/13.htm Dr. Jeremy Siegel, Professor of finance at Wharton, and author of the very popular book, "Stocks for the Long Run" (1998), presents a thorough analysis of stock market data showing that stocks returned about 7% above inflation for ...
by MDIndexer
Fri Apr 06, 2007 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question on my AA. Thanks
Replies: 22
Views: 8207

Question on my AA. Thanks

Some basic information: * I’m 28 years old * I will re-balance my funds once a year. * - I will generally never try and touch my taxable funds and instead try and invest more in my taxable accounts when rebalancing to try and lower Uncle Sams share of my pie. * I plan to retire at 65 but still work ...