Search found 5747 matches

by staythecourse
Tue Aug 14, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 6
Views: 384

Re: Claiming airline compensation

I wonder how to complain to a radiologist who misread a CT X-ray and how to get compensated for that? But that's another thread. Thats easy sue him. Of course, you have to show some damages from the mistake and not just he/ she made a mistake. No different then the example given. it isn't that the ...
by staythecourse
Tue Aug 14, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 7
Views: 881

Re: Why bonds when they return nothing over inflation?

Regardless of long term return, bonds are non-correlated to stock. Therefore, a combination of stocks and bonds can significantly reduce volatility while reducing returns incrementally. For many of us, that is a good tradeoff. If you are investing purely for return with a long horizon and high risk...
by staythecourse
Sun Aug 12, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: personal injury lawsuit
Replies: 23
Views: 1806

Re: personal injury lawsuit

I do some of that work on the medical side and the ONLY thing I can suggest is you have to decide if you want to get better or get as much money as you can. The reason I bring this up is PI lawyers use their network of doctors who will do what is best for his/ her lawsuit and not always what is the ...
by staythecourse
Sun Aug 12, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: I had a meeting with David Swensen tonight!
Replies: 59
Views: 9373

Re: I had a meeting with David Swensen tonight!

Here's the updated version of this comparison. I believe Swensen moved from 20% REIT to 15%. Anyway, this link compares Swensen's portfolio to the 3 fund with the same AA. It's a tie, and the conclusion is.... Lesson learned: Portfolios do not need to be complicated to be successful. :happy https:/...
by staythecourse
Sat Aug 11, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Contract Renewal Negotiation (email)
Replies: 9
Views: 934

Re: Contract Renewal Negotiation (email)

Honestly, all the suggestions are just games. If you think you are being underpriced then confirm it and go get another job in hand at the price you think is fair. Then if you still want to stay at your current gig let them know you have another offer. If they see you as a value added to to company/...
by staythecourse
Sat Aug 11, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1918

Re: Sucking up to make more money?

uberdoc wrote:
Sat Aug 11, 2018 11:58 am
Agree. CEO of the hospital works to facilitate my patient care work. Beyond that, they have no other role in my job.
How are you employed? That will give you the answer what would happen if you piss off the CEO. Trust me I have seen every situation play out.

Good luck.
by staythecourse
Sat Aug 11, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1918

Re: Sucking up to make more money?

That's the thing I don't consider the C-suite folks my boss. Just admins that are overpaid. And my job is definitely not to make them look good in-front of their boss. I couldn't care less about that. Welcome to corporate medicine. The reason it is called "corporate" is because the C-suite guys ARE...
by staythecourse
Sat Aug 11, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1918

Re: Sucking up to make more money?

That's the thing I don't consider the C-suite folks my boss. Just admins that are overpaid. And my job is definitely not to make them look good in-front of their boss. I couldn't care less about that. Welcome to corporate medicine. The reason it is called "corporate" is because the C-suite guys ARE...
by staythecourse
Fri Aug 10, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: I had a meeting with David Swensen tonight!
Replies: 59
Views: 9373

Re: I had a meeting with David Swensen tonight!

Bogleheads: This Topic was started about six years ago. It is interesting to see how David Swensen's Yale Unconventional Portfolio has performed compared with Allan Roth's Second Grader's Starter Three-Fund Portfolio (8/09/2018): Portfolio --------------------------------------------------- 5-Years...
by staythecourse
Fri Aug 10, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7280

Re: Rude response from boss re: market adjustment

I took a couple hours of my own time yesterday to compose a professional request for an evaluation at my company for a market adjustment for my department. Background info is this is my part time job, full time job has had 3 market adjustments in the past 6 years while this job has offered 0. Gener...
by staythecourse
Fri Aug 10, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2516

Re: Crossroad of what to do next?

Look to be doing well. The obvious to me is any possibility of moving to an area with good public schools, i.e. FREE at a similar price point of your current house. That will free up a lot of money per month. I can't imagine paying for what will be: 52 years of private school tuition. That is the lo...
by staythecourse
Thu Aug 09, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7546

Re: Should I tell my family/friend that they are making a financial mistake?

Everyone shoots the messenger. Nuff said. Unless the come to you I wouldn't say a word (even then just point them to this forum or a few books to read).

Good luck.
by staythecourse
Thu Aug 09, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

After reading all your posts, we made a preliminary decision to build 529 plans to target (in-state tuition + living expenses) times 4 yrs for each kid. If my kid is accepted to top 5 private schools, then we will also foot in the bill. That is actually my plan. I don't see the value added in the i...
by staythecourse
Wed Aug 08, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

Okay double that as the kid has to sleep somewhere. No? Or you are fine having your child homeless on the street while attending school? That doubles the cost along with books, etc... Either way to assume 10-15k (lowest numbers you could find) x 2-3 kids (for many families) is no big deal is what g...
by staythecourse
Wed Aug 08, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6278

Re: "Dollar Tree Store" favorites

The toothpaste and deodorant and buy from their is the same product and cheaper per ounce then Target. Good luck. No, dollar store toothpaste is not the same product that you can buy at Target: https://www.snopes.com/fact-check/dollar-store-toothpaste/ Again, I don't recommend buying anything at a ...
by staythecourse
Wed Aug 08, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6278

Re: "Dollar Tree Store" favorites

The toothpaste and deodorant and buy from their is the same product and cheaper per ounce then Target. Good luck. No, dollar store toothpaste is not the same product that you can buy at Target: https://www.snopes.com/fact-check/dollar-store-toothpaste/ Again, I don't recommend buying anything at a ...
by staythecourse
Wed Aug 08, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6278

Re: "Dollar Tree Store" favorites

OK, have read these responses and as someone who has never been inside a Dollar store see no compelling reason from the responses to change that habit. Target sounds good to me. And I do not buy birthday or anniversary cards for my wife of 40 plus years, but think she likes me anyway. Good luck. Od...
by staythecourse
Wed Aug 08, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. W...
by staythecourse
Tue Aug 07, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

I doubt anyone would have been too impressed with my story of hardship but maybe. Hard to shake those “low born tags” but eventually I think I did. Can't speak of others, but as someone who won the gene lottery being born of a physician family in the U.S. I can say I have ALWAYS admired those who d...
by staythecourse
Tue Aug 07, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6278

Re: "Dollar Tree Store" favorites

toothpaste, deodorant, tooth picks, floss, sunglasses, towels for a quick home project so I can toss them later, kids toys, kids reward stickers, batteries, etc... This is my single favorite store. My wife hates me going there, but gotta love the price point on stuff I am not going to be keeping. Be...
by staythecourse
Tue Aug 07, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

The DAF asks for certification (checking a box) that nothing but incidental benefits are received. My DAF gives an example of an allowable incidental as a logo key fob. What the benefits accrued to a member of a sports team might be is only known by the OP. Much thanks. This is what I was looking f...
by staythecourse
Mon Aug 06, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

In spite of all the discussion, the decision still lies in the hands of the DAF. If they won't make the grant it doesn't happen. OP can make the "gift" on his own, and take his chances with the deductibility. Gill You are, of course, correct Gill; but I'm starting to think that some posters just re...
by staythecourse
Mon Aug 06, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

I'm a doc married to one and can say nearly no CC grad is going to med school so any aspirations in competitive occupations are nearly out the window. So this pathway seems to only be doable if one is looking into less competitive careers. Docs are the only competitive occupation? Plenty of people ...
by staythecourse
Mon Aug 06, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

If you live in an area with a good community college and your kids can live at home (i.e. enough space, right type of relationships, etc.) the American Opportunity Tax Credit can make the first two years of college very cheap (if not free). Very reasonable argument. Of course, that brings up the ar...
by staythecourse
Mon Aug 06, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

OP here. Can we please stay on the topic? I am pretty sure this thread is close to getting shut down as I am not sure what new information you are looking for. I have a simple rule I use on this forum that any thread greater then 20 posts have no answer because there are no answers and just becomes...
by staythecourse
Mon Aug 06, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

If you live in an area with a good community college and your kids can live at home (i.e. enough space, right type of relationships, etc.) the American Opportunity Tax Credit can make the first two years of college very cheap (if not free). Very reasonable argument. Of course, that brings up the ar...
by staythecourse
Mon Aug 06, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

If you live in an area with a good community college and your kids can live at home (i.e. enough space, right type of relationships, etc.) the American Opportunity Tax Credit can make the first two years of college very cheap (if not free). Very reasonable argument. Of course, that brings up the ar...
by staythecourse
Mon Aug 06, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

If you live in an area with a good community college and your kids can live at home (i.e. enough space, right type of relationships, etc.) the American Opportunity Tax Credit can make the first two years of college very cheap (if not free). Very reasonable argument. Of course, that brings up the ar...
by staythecourse
Mon Aug 06, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

The only realities are: 1. College and graduate school costs have increased for EVERYONE since they last went to school (20 years ago+), 2. Paying for college costs are expensive and for most will have some dent to their personal savings themselves for retirement, and 3. College debt is starting be...
by staythecourse
Mon Aug 06, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6820

Re: "Skin in the game"

My personal opinion, which could also be completely wrong... For every one of you there are a number of cases where the opposite was absolutely true. I think it's human nature to relax when there is no skin in the game. It's not a universal truth, but on average (again my guess) it's likely true. O...
by staythecourse
Mon Aug 06, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

that we will be committing child abuse. You are right to consider that a terrible statement or implication. There are many legitimate reasons for parents not to fund any or all of higher education. I support doing so if parents can afford to but understand that parenting is more of an art not a sci...
by staythecourse
Sun Aug 05, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a conscientious/competent estate attorney?
Replies: 49
Views: 3535

Re: How to find a conscientious/competent estate attorney?

I believe this is the article you want: https://www.kkwc.com/wp-content/uploads/2015/04/AR20041209132954.pdf If you click on bsteiner you will find that he has over 3,300 posts on estate planning, trusts, etc. It is like getting an advanced law degree in estate planning issues if you read them. We ...
by staythecourse
Sun Aug 05, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

A little note the about “skin in the game.” Every kid is different, but I think I’m safe in saying that any kid (barring one whose parents made multi-million dollar donations or whose family is famous) that gets into HYMPS or equivalent, has skin in the game. They worked their butts off to get in. ...
by staythecourse
Sun Aug 05, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

Of course, they are ethically and legally obligated that the charity is a qualified one, but is their legal responsibility to make sure the person giving the gift is NOT getting any advantage in return? You seem to be missing something here. Once an individual contributes to their DAF, their charit...
by staythecourse
Sun Aug 05, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How many years till FIRE? Which path would you choose?
Replies: 38
Views: 4592

Re: How many years till FIRE? Which path would you choose?

No where near the information needed. How many kids? How old? Are you planning to pay for college? What about health insurance until medicare? Just to name a few. In the end the BIG costs of most folk's lives are: House, kid's education, retirement, and if retiring early health care. Having a solid...
by staythecourse
Sun Aug 05, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13850

Re: Will you pay for your kids' college/graduate education?

Yes. We will foot it. We’d prefer to give out inheritance to our kids while alive, and a quality education is about the best inheritance we can give. Agreed. I don't know how to define "quality" yet (and seems arguable even on this site alone), but graduating with no debt is the BIGGEST advantage y...
by staythecourse
Sat Aug 04, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

Have you read my earlier posts? Gill Thank you for the correction. Just looked it up. If it is >$250 you have to prove it AND must show you did not receive anything in return. So NO in this case you can not deduct. Guess that makes sense since the term "gift" in IRS lingo means no expectation of a ...
by staythecourse
Sat Aug 04, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a conscientious/competent estate attorney?
Replies: 49
Views: 3535

Re: How to find a conscientious/competent estate attorney?

Here are some websites that I have found useful in finding competent estate planning attorneys: Martindale.com - you want one that has an AV rating by their peers Superlawyer.com Wealthcounsel.com Eldercounsel.com Martindale ratings are peer ratings. There's no grade inflation. A is good. SuperLawy...
by staythecourse
Sat Aug 04, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

If it is a 501c designation it is deductible one way or another. If not then no. Good luck. Have you read my earlier posts? Gill Thank you for the correction. Just looked it up. If it is >$250 you have to prove it AND must show you did not receive anything in return. So NO in this case you can not ...
by staythecourse
Sat Aug 04, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: How many years till FIRE? Which path would you choose?
Replies: 38
Views: 4592

Re: How many years till FIRE? Which path would you choose?

No where near the information needed. How many kids? How old? Are you planning to pay for college? What about health insurance until medicare? Just to name a few. In the end the BIG costs of most folk's lives are: House, kid's education, retirement, and if retiring early health care. Having a solid ...
by staythecourse
Sat Aug 04, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 949

Re: Prefinished White Oak Floors with Matching Stair Treads

I plan to rip up some carpet and install hardwood floor on the second floor and stairs in my home. Is it possible to get prefinished white oak floors with matching pre finished stair treads? I know that I could get everything to match if went with unfinished wood but I have concerns about the stink...
by staythecourse
Sat Aug 04, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

If it is a 501c designation it is deductible one way or another. If not then no. Good luck. Have you read my earlier posts? Gill Thank you for the correction. Just looked it up. If it is >$250 you have to prove it AND must show you did not receive anything in return. So NO in this case you can not ...
by staythecourse
Sat Aug 04, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9497

Re: Few weeks into new job recieved significantly better offer elsewhere

Leaving has nothing to do with integrity. Any company will toss you overboard without blinking, so you owe them nothing. I am concerned that the new possibility does not look like a firm long term offer. Recruiters lie. I would not take it unless the company itself committed in writing to a full ti...
by staythecourse
Sat Aug 04, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4740

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I do not have my own personal business and my children do travel sports. Often we fundraise from local businesses for small sponsorships -- think dentist, realtor, etc. These funds go to the team's travel tournament fees, uniforms, and sometimes rental space for practices. This year, I am thinking ...
by staythecourse
Thu Aug 02, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4367

Re: Which diet soda pop do you enjoy?

Odd preface to the thread, but... I do love Diet Coke. I actually prefer it over normal Coke. My wife made me switch from regular soda and now I love it. Like Diet Dr. Pepper. I hate Diet Pepsi. So guess I have a love/ hate relationship with the the diet soda world. It is EASILY by biggest vice. My ...
by staythecourse
Thu Aug 02, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2896

Re: Weird Portfolio Guy Returns

Here, take this quiz from memory only without looking up any answers: Name three of the top ten holdings of each of the following four ETFs: USA Real Estate ETF (VNQ) Utilities ETF (VPU) Industrials ETF (VIS) Materials ETF (VAW) Name three specific pieces of military equipment made by Lockheed Mart...
by staythecourse
Tue Jul 31, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1397

Re: Are women worse at investment?

Man, this world is too PC/ sensitive. The OP asked a reasonable question based on his/ her perception of the linked article and it IS actionable as he/ she stated if true do folks teach their daughters different in regards to investing. To answer the question I believe the answer is a resounding NO....
by staythecourse
Sat Jul 28, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Loss Aversion, Happiness, and choices
Replies: 17
Views: 1800

Re: Loss Aversion, Happiness, and choices

What you paid + renovations is not relevant. Your house is worth the market value at the time you list it. We always honestly evaluate the true value based on assessment and area comps, then list it a few thousand under. Great piece of advice. We sold our house our self and sold in 8 days. It isn't...
by staythecourse
Thu Jul 26, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Low Cost Commodities Investments?
Replies: 7
Views: 603

Re: Low Cost Commodities Investments?

Do you want to investing in the COMMODITY (spot price) or the futures contract (derivative)? A bit more info would be needed. If it is the primary then you need to buy a farm or a silo to store it. If it is the latter find a narrowly focused agricultural futures ETF. Of course, it is without saying ...
by staythecourse
Wed Jul 25, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Robert Samuelson column -- Washington Post
Replies: 15
Views: 1373

Re: Robert Samuelson column -- Washington Post

I am somewhat perplexed that many here are so defensive against the prospect that increasing use of index funds (or etfs) might change the dynamic of the market. It is an interesting conceptual topic. I am skeptical it has a major impact at this point, but I am not dismissive of the prospect that i...