Search found 5467 matches

by staythecourse
Sun Apr 22, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Gotham Enhanced Value Index
Replies: 21
Views: 3997

Re: Gotham Enhanced Value Index

Not one of them is still in operation. They appear to still be open, unless the funds have closed in the last month. https://www.gothamfunds.com/performance.aspx edit: There was a merger around 2013 of ' Formula Investing' funds & Gotham. We are pleased to announce the upcoming merger of Formula In...
by staythecourse
Sun Apr 22, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 98
Views: 5921

Re: Kitchen features

I designed a custom home and can tell you what one person finds useful another will find as a waste of time. The BEST move is to to write down EVERYTHING you love and hate about your current kitchen living over about a 3 month period (trust me your memory is not that good). Then hire a kitchen desig...
by staythecourse
Sun Apr 22, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: What If Rip Van Winkle Invested In The Stock Market?
Replies: 6
Views: 1121

Re: What If Rip Van Winkle Invested In The Stock Market?

...historically, once prospective returns have dropped below about 7.5%, investors could have adopted what I've called a "Rip van Winkle" strategy: just going to sleep until stocks dropped by at least 30% or moved back to prospective returns above 10% - a strategy that would have historically outpe...
by staythecourse
Sun Apr 22, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 8908

Re: Resign from job or possible termination

This one is SO easy no reason to read the other responses. Look for a job NOW and do NOT resign. Much easier to find one when you still have a job. Everybody wants someone in demand (they have a job already) not someone sitting at home orphaned by the working world (unemployed). It is human nature ...
by staythecourse
Sun Apr 22, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 8908

Re: Resign from job or possible termination

This one is SO easy no reason to read the other responses. Look for a job NOW and do NOT resign. Much easier to find one when you still have a job. Everybody wants someone in demand (they have a job already) not someone sitting at home orphaned by the working world (unemployed). It is human nature l...
by staythecourse
Sat Apr 21, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 114
Views: 5215

Re: Boglehead Philosophy Open To Change?

I don't mean this offense to Taylor (who I do respect), but I PERSONALLY don't think 3 fund has ANYTHING to do with being a boglehead. Being market cap or factor investor, in my mind, doesn't either. The essence is being a passive investor, focusing on asset allocation, using low cost options, savin...
by staythecourse
Sat Apr 21, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 1488

Re: Visiting Chicago - Foodie suggestions?

+1 on Au Cheval, Untitled, Blackbird/Avec, and Publican. We've also enjoyed Fabio Viviani's Bar Siena and Siena Tavern, and Stephanie Izard's The Girl and the Goat and Little Goat. Three Dots and a Dash, a basement tiki bar in an alley, is a fun place to stop for a drink. The Girl and The Goat was ...
by staythecourse
Sat Apr 21, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 2961

Re: Medicare Questions

To the OP, I would not do ANYTHING until you get the EOB from medicare and your supplement. Then make sure it is accurate. Word to the wise for ALL consumers never pay a medical bill unless your EOB confirms the same. Good luck. Good advice, that is what I plan to do. Since I wrote my post I have i...
by staythecourse
Sat Apr 21, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2407

Re: How long have you been employed?

Paperboy on bike with big basket in front- age 11-14 Dishwasher, counter waiter- Howard Johnsons 14-16 Bicycle repair- age 16-19 Bartender age 19-25 (summers only during school) Medical resident age 25-31 Physician age 31-62 (current) and still working ?another 5 years-retire but don't know what it...
by staythecourse
Sat Apr 21, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3452

Re: Should I continue to hold REITs?

What were you wanting me to post? A dry recitation of numbers? Pretty much, I showed people how to use the information presented at Morningstar. Most of it can be accessed for free, without a subscription. Where was I advocating active management? Active management is defined by the BHB and BSB stu...
by staythecourse
Sat Apr 21, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 1488

Re: Visiting Chicago - Foodie suggestions?

If you want a great dining experience, but is a bit price (not Alinia pricey, but pricey) I would recommend: Maple and Ash.

Good luck.
by staythecourse
Sat Apr 21, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 2961

Re: Medicare Questions

SpiritRider, So you mean that only category 1 or 2 could apply in our case, correct? See the following Medicare.gov link Lower costs with assignment What to know about private contracts You can't be asked to sign a private contract for emergency or urgent care. This is true and another example of h...
by staythecourse
Sat Apr 21, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 2961

Re: Medicare Questions

To the OP, I would not do ANYTHING until you get the EOB from medicare and your supplement. Then make sure it is accurate. Word to the wise for ALL consumers never pay a medical bill unless your EOB confirms the same.

Good luck.
by staythecourse
Sat Apr 21, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3452

Re: Should I continue to hold REITs?

Sorry for any thread redundancy. Last year, I added some REIT (VNQ) to my IRA portfolio (app 5%) and has done nothing but lose money. Frankly, with rising rates and with the state of commercial real estate, I'm not sure I have confidence with it in the long run. I thought it would be a good way to ...
by staythecourse
Sat Apr 21, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3452

Re: Should I continue to hold REITs?

Hey if it makes you feel any better I have a 20% allocation to REITS. I have no problems going down with the ship.

Good luck.

p.s. IF (big IF) one is going to market time I would not advocate selling when something is down. As history has taught us sell HIGH and buy LOW. Not sell LOW.
by staythecourse
Fri Apr 20, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 90
Views: 6180

Re: NYT article: Everyone should hire a financial planner

I have said numerous times there is ABSOLUTELY a need for financial planners, but not with model they use. Their model is, "Give us your money and we will steer the ship in the right direction, because we know better as the professionals". In facet what they NEED to do is market service lines like: ...
by staythecourse
Fri Apr 20, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4418

Re: Factor in evaluating Physicians

I'm curious if ANY boglehead likes their doctor> It seems thread after thread is about finding a flaw about your physician. How many posts have I seen on this site about liking their doctor's care? The years I have spent on here has proven over and over this is a VERY biased message board against do...
by staythecourse
Fri Apr 20, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. This. So don't. Just go to doctors and facilities and ask how much in advance as a cash pay patient. They will be more then happy to do it. If ...
by staythecourse
Thu Apr 19, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4045

Re: Another discussion about private vs public schools?

Glad to see another one of these threads ended with no consensus. Staring to feel like the international or not threads. :D

Good luck.
by staythecourse
Thu Apr 19, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

if you expect them to pay Y, shouldn't the patient know what Y will be BEFORE any service? I am really starting to think the issue here is LACK OF READING prior replies before replying randomly with the same trite response. Read any of my posts I give the patient ALL the info. they need to call the...
by staythecourse
Thu Apr 19, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4418

Re: Factor in evaluating Physicians

I'm surprised I'm not on the list. Except I'm retired. However, several dead guys in my town are on there. Interesting when you get to the details. A company comes out with some new device. You go and have them show you how to use it. Then you get listed as "non-accredited training", and someone on...
by staythecourse
Thu Apr 19, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Take a minute (and others out there who keep saying the same thing over and over). If you ran the business of doing lets say an MRI and go into contract with, for example, BCBS and LEGALLY have to bill every patient of theirs the same way. You do what is expected of you taking on FULL Risk of not b...
by staythecourse
Thu Apr 19, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Because the system is broken, the final price is typically unknown until well after the procedure has been performed. At that point, patients negotiate. They'd probably negotiate (or at least comparison shop) at an earlier stage, except that no one will give them a price. Sure, patients sign agreem...
by staythecourse
Wed Apr 18, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2274

Re: Expensive house... does this make sense?

Would a bank even give a mortgage to someone where the payment would be ~50% of take home? Especially when it hasn't been setup/permitted for a tenant yet? To answer your question, no it doesn't make sense. Keep looking. Hope someone can chime in on this one. I thought the DTI (debt to income ratio...
by staythecourse
Wed Apr 18, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2274

Re: Expensive house... does this make sense?

Would a bank even give a mortgage to someone where the payment would be ~50% of take home? Especially when it hasn't been setup/permitted for a tenant yet? To answer your question, no it doesn't make sense. Keep looking. Hope someone can chime in on this one. I thought the DTI (debt to income ratio...
by staythecourse
Wed Apr 18, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 938

Re: How to argue for S&P

If a fund has outperformed over the last 10 years, there's probably a better than even chance that it will underperform over the next 10 years. Is there any logic behind this statement? Yes based on nearly every study ever done. Jensen's original study in the 1930's showed the best performers for t...
by staythecourse
Wed Apr 18, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by staythecourse
Wed Apr 18, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 215
Views: 23171

Re: How old are you and how much do you save for retirement a year

You need to save enough to reach your goals and your only competition is with your goals, not me or my goals. Excellent advice. Comparing yourself to others can not help in ANYWAY. If you are saving more you may be overconfident as your expenses may be much higher then the other guy and if you are ...
by staythecourse
Wed Apr 18, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10784

Re: Quitting job - what to do if getting walked to the door

Great thread. My advice, is do NOT tell anything to anybody UNTIL you have a contract signed by both parties. Also, review your current contract in regards to restrictive covenants. Otherwise, you will find out very quickly the term "Tortious Interference". That usually ends up in a letter to the ne...
by staythecourse
Wed Apr 18, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Going back to earlier posts in the thread, this is why they shouldn't agree to a plan with a $5900 deductible if they cannot afford it. Maybe your deductible should be part of your emergency fund. Boy that would make too much sense. Heck, the OP KNEW he had a deductible not met and KNEW he would be...
by staythecourse
Wed Apr 18, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3163

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Unfortunate since you went out of your insurance (which is illegal as well) they couldn't be available to send you an EOB. It's "illegal" not to use insurance? I think not. Please read other posts before spouting off. it is ILLEGAL for the provider to do it. I made that clear earlier. Good luck.
by staythecourse
Wed Apr 18, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I tried for 7 years when I was an in-network doctor to get this information from the insurance companies. They would not budge. They only provide this info to institutional settings and hospital systems (not private offices) because they have to negotiate those fees with institutions. They do not n...
by staythecourse
Wed Apr 18, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3163

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Unfortunate since you went out of your insurance (which is illegal as well) they couldn't be available to send you an EOB. I'm going to need you to cite a source on that, because everything I read says it's perfectly legal. Just like if you crash your car, you can get it fixed yourself rather than ...
by staythecourse
Wed Apr 18, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: John Bogle Attends Warren Buffett's Shareholder Meeting
Replies: 7
Views: 1179

Re: John Bogle Attends Warren Buffett's Shareholder Meeting

That was a great story. Thanks for sharing. I always wondered if it has sunk in with Mr. Bogle HOW MUCH he has changed investing for the retail investor. His "Bogle folly" changed the course of personal investing FOREVER. Not many folks can say they did that much to any industry they worked in. Good...
by staythecourse
Wed Apr 18, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

From my reading of the narrative, the issue is the deductible not having been met - and not the specific charges. OK, so you (somehow) negotiate this down to, say, $1,000 - THEN (unless you are being dishonest) - only the $1,000 goes towards your deductible for the year. THEN, if you have another b...
by staythecourse
Wed Apr 18, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Yes it was in network. The insurance covered around 20-30%. The final bill that I need to pay is $2800. It was in network (so you got the discounted rate) and it was medically necessary (otherwise the insurance company wouldn't pay their share). You received the service and your insurance did their...
by staythecourse
Wed Apr 18, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3163

Re: Suddenly I had a weird bill go to collections - what's my course of action?

My guess is your memory is a bit better then you are letting on. You gave false contact information and unfortunately found out why not to do that. Not sure why as I don't know ANY medical office in history that solicits randomly patients. It isn't like they are telemarketers. Unfortunate since you ...
by staythecourse
Wed Apr 18, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9262

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A lot of provider contracts with health insurers don't allow further discounting to people insured. Don't you get an insurance discount? Was it in network? You say a small portion was covered, yet you hadn't reached your deductible. We had to get a CT Scan last year. The bill was $2100 but the insu...
by staythecourse
Tue Apr 17, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11006

Re: We crush stock indexes, Yale claims

Okay I am too lazy to read the link, but does it matter? I am sure they hail Mr. Swensen, but he himself CLEARLY states the individual investor should stick with indexes. He himself states the advantage of active is more in private equity, real estate, alternatives, etc... Even if the article is cor...
by staythecourse
Sun Apr 15, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5058

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

While identifying winners ahead of time is difficult, in some categories there are definitely differences in exposures and strategies that you could select for. Some funds are as different (within a category) as something like balanced funds and EM bond funds. If you choose a stock index fund over ...
by staythecourse
Sat Apr 14, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5058

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Thanks Nisi for the work. I am not sure why we are surprised.... Unless one has a good way of finding the few winners out of the losers AHEAD of time there is no point of even considering all these different alternative approaches..... So that means you have to figure out which ones will outperform...
by staythecourse
Sat Apr 14, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2882

Re: Meb Faber/Cambria/Trinity Funds

I believe that Meb Faber is highly intelligent, very honest, very knowledgeable, and that his etfs are solidly built on existing backtesting research. The question is: does that reliably equate to improved returns for investors after costs going forward? Garland Whizzer Considering his greatest ent...
by staythecourse
Sat Apr 14, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5058

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Thanks Nisi for the work. I am not sure why we are surprised. Have the different alternative guys said they expect an investor do better with them then the sp500? I don't think so. I think their point is THEIR (meaning the fund they run) expertise adds value to a diversified portfolio especially whe...
by staythecourse
Sat Apr 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Post-Home Inspection Priority List
Replies: 4
Views: 382

Re: Post-Home Inspection Priority List

I am ASSUMING you are in the PROCESS of buying this house as your first post made it seem you owned the house already. To reiterate you do not own the house until you have the keys to the house (closing is complete). That being said the only things the owners will do is fix any code related or safet...
by staythecourse
Sat Apr 14, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39985

Re: Name something you had to have and now you regret purchasing it?

For us it is easily the treadmill and elliptical when my wife and I bought our first townhouse after getting married. WIthin 1 month she did not want to do the elliptical becuase "it was too hard". We both used the treadmill off and on for several years sparingly. Then we had kids. From then on it w...
by staythecourse
Fri Apr 13, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Fender bender in parking lot, he said she said. What's the effect on my going to be?
Replies: 17
Views: 1362

Re: Fender bender in parking lot, he said she said. What's the effect on my going to be?

Answers above are correct. It will be 50/50 blame. Just keep in mind if you have umbrella coverage it may have an impact on your eligibility for coverage. I lost mine when I got in the third claim over a 5 year period. One was a big accident from my wife (70/30) , one was me (100% my fault, and the ...
by staythecourse
Fri Apr 13, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3482

Re: Unaffordable prescription drug

If it is that expensive why not just GO to Canada for a week vacation and buy enough for 6 months. Wash and repeat x2. Just call ahead and find out what the cost would be just to make sure the numbers play out.

Good luck.
by staythecourse
Thu Apr 12, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 3862

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Feel the thread is deviating a bit, but I would advice to find an urgent care/ immediate care that deals with injuries. They have a lot of experience with worker's comp/ PI (personal injury) cases. Another option is call orthopedic practices in your area and see who will take your case. Shouldn't be...
by staythecourse
Wed Apr 11, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3895

Re: Help with shared child being spoiled

It may be their grandchild, but your kid. Talk to the other parent and discuss the best plan. If that means telling the grandparents to lay off of buying gifts that is okay. It isn't like you are doing it to punish the grandparents, but to prevent your kids from being spoiled and not understanding t...
by staythecourse
Tue Apr 10, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: "Don't Use the 200-Day Moving Average as a Sell Signal" - Ben Carlson
Replies: 35
Views: 2406

Re: "Don't Use the 200-Day Moving Average as a Sell Signal" - Ben Carlson

Just look at the data that's been published concerning the use of the 200 DMA. Looking at individuals' performance is not the same as testing the objective performance of the strategy. I admit I'm not an expert, but if it is such a common and easily executed strategy then why is there no mutual fun...