Bogleheads.org

woof755

Stay thin.
At all cost.

woof755

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 ...

woof755

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...

woof755

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/

woof755

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.

woof755

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!

woof755

"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.

woof755

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!

woof755

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...

woof755

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

(would be my vote if this were a poll)

woof755

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...

)

woof755

Better Call Saul

woof755

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.

woof755

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...

woof755

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.

woof755

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...

woof755

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...

woof755

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...

woof755

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 ...

woof755

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...

woof755

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...

woof755

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...

woof755

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...

woof755

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...

woof755

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...

woof755

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...

woof755

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 ...

woof755

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...

woof755

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 ...

woof755

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 ...

woof755

stats99 wrote: ↑
Sun Mar 04, 2018 6:44 am
I used Cologuard.

The best colon cancer screening test is the one that gets done!

woof755

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...

woof755

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 ...

woof755

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.

woof755

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...

woof755

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...

woof755

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...

woof755

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 ...

woof755

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...

woof755

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...

woof755

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.

woof755

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.

woof755

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.

woof755

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...

woof755

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...

woof755

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.

woof755

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...

woof755

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...

woof755

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...

woof755

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...

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