Search found 3120 matches

by woof755
Sun Jul 29, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: $3k investment Vanguard funds Roth IRA which one of these should I start with
Replies: 21
Views: 2221

Re: $3k investment Vanguard funds Roth IRA which one of these should I start with

Put your $3k into the Roth IRA, then continue funding it. I'd recommend Life Strategy Growth (80/20) or moderate growth (60/40) Then leave it alone and read the Bogleheads' Guide to Investing, Larry Swedroe's The Only Guide to a Winning Bond Strategy You'll Ever Need, and The Only Guide You'll Ever ...
by woof755
Sun Jul 29, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Wood Tile Floor vs Luxury Vinyl Plank
Replies: 7
Views: 746

Re: Wood Tile Floor vs Luxury Vinyl Plank

Hi DonDraper, We have installed this ceramic / wood composite flooring https://www.inhaussurfaces.com/sono (my understanding is this is the new alternative to vinyl flooring) in our new laundry room and 2nd bathroom upstairs. We are building an "Ohana house" over our garage and have purchased this f...
by woof755
Thu Jul 26, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2333

Re: Pet burial

I'm sorry for the loss of your family member, and I'm in no way suggesting I know better than you what to do with your pet now.

But, this eco-friendly option has intrigued us, though our pet is only 2 years old.

http://theforeverspot.com/
by woof755
Sun Jul 22, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1168

Re: 529 strategy?

The Nevada plan through Vanguard (can link Upromise funds to it) is low cost. I like it because I can access my 529s through the same VG site I use for everything else.
by woof755
Wed Jul 18, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56383

Re: Flaunt Your High-Mileage Car

2011 Lexus CT200h, 72000 miles. Living where I do, hard to imagine putting more than 7-8k miles a year on it from now on.
It survived hitting a deer in N.Carolina, hopefully it survives my kids learning to drive in it in a couple years!
by woof755
Fri Jul 06, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 4041

Re: “We have a lot to do, and very little time, so we must work slowly.”

"Dress me slowly, I'm in a hurry", one of my GI attendings used to say.

He attributed it to Napoleon, but a quick google search suggests it was around before Napoleon, as well.
by woof755
Mon Jun 04, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3698
Views: 1058730

Re: What Movie Have You Recently Watched?

Mystic River
Oldie, but I had never seen it before. excellent performances by Sean Penn and Tim Robbins

And Deadpool (the original)
omigoodness so funny and inappropriate!
by woof755
Wed May 23, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 million inheritance?
Replies: 32
Views: 4631

Re: How to invest $1.4 million inheritance?

I'm sorry for your loss, It might be helpful also to know of any outstanding debts / mortgages / expenses such as college tuition that you have or foresee. But if you're asking whether you should wait or invest the money now, I'm afraid no one can tell you a right answer. Generally when these questi...
by woof755
Thu May 17, 2018 12:47 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 13614

Re: The front page is ugly

The forum is free, and the front page is fine.

(would be my vote if this were a poll)
by woof755
Thu May 17, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 9116

Re: Golden Handcuffs

My former university employer offered 8 years of college tuition for my kids. I worked there for 9 years.

We moved to Hawaii. Haven't regretted it for a second.

(of course, kids aren't in college yet... :happy )
by woof755
Sun May 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 827
Views: 89766

Re: Netflix, Your Current Favorite Show

Better Call Saul
by woof755
Sun May 06, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 9213

Re: What career for smartest kid in the class?

I will not fully steer my kids away from medicine. But I will steer them away from a specialty that involves night and weekend call.
It's just the worst.
by woof755
Sun Apr 15, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 3295

Re: Which would you choose if you were me ?

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit. So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think. I see your point. Both may well go d...
by woof755
Sat Apr 14, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 3295

Re: Which would you choose if you were me ?

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit.
So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think.
by woof755
Sat Apr 14, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1412

Re: Disneay Aulani (Hawaii) vacation planning

Also an Oahu resident with little ones--we love Aulani. The hotel is as expensive as the Four Seasons, but justifiably so because included in the price is basically admission to an amazing water park. There are two slides that are fun for kids and adults (fast, and dark!). The lazy river is long and...
by woof755
Sun Apr 08, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: 529 question
Replies: 4
Views: 650

Re: 529 question

I like keeping things all in one house at VG, too. But, when NC offered a tax break (which they revoked), I used the NC plan through their own website. Just one extra account, not too cumbersome. Interestingly, when they took away the state income tax deduction, I was allowed to roll the NC 529 into...
by woof755
Sun Apr 08, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filing taxes for deceased relative
Replies: 7
Views: 629

Re: Questions about filing taxes for deceased relative

One possibly loosely related piece of advice. Please double, triple check that all addresses associated with your deceased relative are updated to reflect your DH. We moved into a house in April 2017. We are aware of the man who lived here before, and passed. In February I received a 2015 tax rebate...
by woof755
Mon Apr 02, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 15251

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

GMaynardKrebs, Couple things that came to my mind as I read your post: 1. Black Swan events are not the usual dips in the market, and it's important to consider their importance. The behavioral finance aspect of this is important--mitigating fat tails and avoiding Black Swan events will keep people ...
by woof755
Sun Apr 01, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 15251

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

I base my comments on my experience with the twin bear markets of 2000-2002 and 2008-2009. During that first bear market, owning volatile non-correlating assets really helped a portfolio. During the financial crisis of 2008-2009, most everything crashed. The Small/Value tilting that helped during 2...
by woof755
Sun Apr 01, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 15251

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

But I have a question. Can you really 'mitigate' a black swan? Personally, I don't think you can. My chief takeaway from reading Larry's detailed response was the method he is using (partly) is 'hyperdiversification' (his term). Scatter those eggs, and keep them in separate baskets. Seems reasonabl...
by woof755
Sat Mar 17, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

I wonder, though, if "I don't care if I get colon cancer when I'm 70" still means the same thing to someone when she turns 70 and is otherwise healthy. I am in my early 70's and hope to live another 25-35 years - so I DO care about getting colon cancer for many years. Right?!!! When I was 10 I told...
by woof755
Sat Mar 17, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Dr. Hadler in his book would make different arguments about the effectiveness of colonoscopies. I recall something like his data analysis suggests that 4 people are injured for every one life saved. I've met some of the injured and the problems were not minor. Hadler also discusses the economics of...
by woof755
Sat Mar 17, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

The best way to minimize the cost of this is to not get a colonopscopy. I like what the following guy says and found the Worried Sick book of interest: I don't care if I develop colon cancer in my 80s; something else is likely to kill me long before it can. I don't care if I develop colon cancer in...
by woof755
Sat Mar 17, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

We're docs, we're paid to worry about the worst possible thing. :wink: There is a fine line between caring and patronizing. For example, most medical practitioners would try to avoid getting cardiopulmonary resuscitation but perform it on others. Victoria This was intended to be self-deprecating, n...
by woof755
Sat Mar 17, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...
by woof755
Sun Mar 11, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Without getting too deep into the forbidden medical topics - Are there differences in costs for different physicians that do colonoscopies? All of mine, as well as those of everyone I know in this area, have been done by Gastroenterologists. My brother, however, who still lives in the area where I ...
by woof755
Sun Mar 11, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...
by woof755
Sun Mar 11, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by woof755
Sun Mar 11, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...
by woof755
Sun Mar 11, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

stats99 wrote:
Sun Mar 04, 2018 6:44 am
I used Cologuard.
The best colon cancer screening test is the one that gets done!

:beer
by woof755
Sat Mar 03, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Things I can think of to minimize costs of a colonoscopy: Take the cheapest prep--CoLyte or GoLytely are often only about $10 And take it by the book. It works great if taken properly. But it really makes us all feel bad when the colon isn't clean and we have to repeat the exam sooner than would oth...
by woof755
Sat Mar 03, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7843

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...
by woof755
Sun Feb 25, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 5351

Re: Side Hustle: Hourly financial planning

steadyeddy wrote:
Sun Feb 25, 2018 10:49 pm
I’ve thought about this, but a part-time gig charging only reasonable hourly rates would barely cover the cost of E&O. I’ve decided it’s better to give away my advice for free to the very few people that solicit it.
I like this idea, too.
by woof755
Sun Feb 25, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 5351

Re: Side Hustle: Hourly financial planning

Don't you need like years of apprenticeship to get a CFP? 2 years under a CFP or else 3 years. At the end of the day, CFP is just a commercial endeavor making money selling a certificate so your name looks better with letters after it. in competing with people who have gone through the hassle, if y...
by woof755
Sun Feb 25, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 5351

Re: Side Hustle: Hourly financial planning

I've thought about doing this, too. Maybe when the kids are in college. So, I'm not one to poke holes in your theory. I'd like to get the education, then start giving talks to my own colleagues for free. Could even give some talks to local groups and pick up clients that way. I guess I could make mo...
by woof755
Sun Feb 25, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Bonds again!
Replies: 13
Views: 3010

Re: TIPS vs Bonds again!

Bonds are not in my portfolio for their return, they are there to reduce my overall risk. short term bond mutual fund fluctuations are minimal in the long run. I do not see a reason to take the risk of owning long term bonds. Take your risk on the equity side where you expect to be rewarded, keep bo...
by woof755
Fri Feb 23, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 10
Views: 864

Re: OTC supplements without huge bottles?

Most of these -- and probably all -- are of no value unless you have a documented deficiency. You can bring an empty suitcase. True. In most cases in real controlled setting expirements they fail to do anything and also unlike medicines they are largely unregulated and untested and quite often you ...
by woof755
Tue Feb 06, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 17394

Re: Vanguard site is crashed now?

My question is why so many Bogleheads were trying to login today? I understand why the unwashed masses logged in, but I thought Bogleheads were better than that. If you have an appropriate allocation there is no need to login today, or tomorrow, or next week. Just a few times a year should be plent...
by woof755
Mon Feb 05, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 2081

Re: 529 for private elementary school?

I'm interested in this topic. Indiana provides a 20% tax credit for 529 contributions up to $5,000 (max state credit $1,000/year). I don't know yet if a withdrawal from the Indiana 529 plan used to pay for K-12 would result in some kind of clawback on this credit. I don't think anyone knows this fo...
by woof755
Mon Feb 05, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 17394

Re: Vanguard site is crashed now?

greg24 wrote:
Mon Feb 05, 2018 4:26 pm
I demand the site is up so that I can execute my panic trading.
Even if it pertained to me, this kind of snark isn't all that helpful. The market closes at 11am my time (in the fall and winter).
I want the site to be up when I need the site to be up. That's all.
by woof755
Mon Feb 05, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 17394

Re: Vanguard site is crashed now?

RubyTuesday wrote:
Mon Feb 05, 2018 4:01 pm
I was able to get in and make contribution to ira’s and then it went down... pretty disappointing that they can’t handle a little panic trading and calls...
Or, in our cases, buying on a bad day.
by woof755
Mon Feb 05, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 17394

Re: Vanguard site is crashed now?

I can't get on either.
I'd gladly give back 0.01% in expense ratio to ensure that this doesn't happen.
Not that big a deal, but doesn't inspire confidence. And I'm the biggest VG fanboy I know.
by woof755
Sun Feb 04, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Insurance for remodeling project?
Replies: 3
Views: 439

Insurance for remodeling project?

We are set to embark on a moderately large remodeling project. I have some questions about insurance requirements for the project. I did search other posts here, and will be certain to request documentation of the contractor's insurance. He is reputable, known to us from a very large project a few h...
by woof755
Fri Feb 02, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 plan for the next 6-10 years
Replies: 9
Views: 2138

Re: Help with 529 plan for the next 6-10 years

I took a pretty conservative approach once my kids turned 10, and went 50/50. I figured the old adage that the return of my money was more important to me than the return on my money. Missed out on some returns, but despite my natural urge to tinker, I haven't even thought to mess with this asset al...
by woof755
Wed Jan 24, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Combine Schwab and Vanguard for Small and Value tilted Slice and Dice portfolio
Replies: 12
Views: 993

Re: Help me Combine Schwab and Vanguard for Small and Value tilted Slice and Dice portfolio

I use EWX in my Schwab account with my new employer. It's emerging markets to add to my VSS (I keep 85% VSS, 15% EWX)
It's smaller and more value-y than VSS. But it's emerging, so not apples to apples.
by woof755
Wed Jan 24, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9542

Re: Small Value Premium - How Do You View It?

I tilt to small value domestically, and small blend internationally due to lack of access to Int'l small value. I do so not because I want to kill the market, but because it allows me to carry a 40% treasury bond allocation and maintain my same *expected* return as though I had an asset allocation m...
by woof755
Tue Jan 23, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 6623

Re: Laughter is the Best Medicine - What makes you Laugh?

My two dogs, rescued bonded brothers, best addition to my life since I retired, they are such a crackup. Also the movie Planes, Trains and Automobiles. This movie. :D One of the most quotable movies of all time. I totally agree! OK, while I'm at it: Bull Durham Top Secret!, Airplane, etc Tim Minchi...
by woof755
Sun Jan 21, 2018 3:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 56
Views: 6691

Re: Vanguard will use blockchain to share index data

I am going to take a crack at simplifying this for non-IT folks. Let's start with an engine. There is an engine in a lawnmower, snow thrower, car, airplane, helicopter, rockets. Engine at its core performs the basic function of converting fuel into energy that can be then converted into a force. In...
by woof755
Sun Jan 21, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 5335

Re: Telemarketing calls from my own prefix

And an annoying side effect: Wife's cell phone rings, she picks up. Unknown but unblocked number, but close to hers (same XXX-YYY). Guy goes "hi, I saw you just tried to called me." She correctly states that no, she hadn't called anyone for hours. Guy wouldn't believe it, starts arguing. So someone...