Search found 3069 matches

by woof755
Thu Jan 18, 2018 2:26 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 53
Views: 2935

Re: To the doctors on the forum

I once stumbled upon a forum for physical therapists & PT billing. What gave me a bit of shock was that depending on who your insurance carrier is, they will bill different medical codes for (virtually) the same procedure. e.g. If they did some sort of manual therapy on your hand, it could be bille...
by woof755
Thu Jan 18, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 75
Views: 6035

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

Wasn't there a stock market correction in 2011?
Anyone regret staying the course?
by woof755
Thu Jan 18, 2018 1:49 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 48
Views: 3888

Re: International Small-cap Value Funds ??

I was pleasantly surprised to see that EWX (SPDR Emerging Markets Small Cap ETF), which I use to supplement my VSS has a value tilt.

Though it's still likely more a mid/small cap fund than DFS.
by woof755
Thu Jan 18, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Exit strategy for bitcoin
Replies: 31
Views: 1778

Re: Exit strategy for bitcoin

This is why I do not believe in "play money" and I don't have any allowance for it in my asset allocation.

If I want to gamble, I know how to access those sites. My investing is data-driven.
by woof755
Thu Jan 18, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 53
Views: 2935

Re: To the doctors on the forum

It would be so nice for docs to know the prices of the tests we order, but as WCI mentioned earlier, it depends upon the facility which provides the service and the exact policy by which the patient is covered. When I worked for a university hospital system a few years ago, I wanted to know how much...
by woof755
Tue Jan 16, 2018 2:37 am
Forum: Investing - Help with Personal Investments
Topic: 529 AND UTMA
Replies: 29
Views: 1340

Re: 529 AND UTMA

This way every year I can harvest the UTMA tax free up to the limit to use for his non-essential expenses. I plan to deplete this ideally when he turns 18 or whatever the age is. I won't have to worry about him having control of this money. What do people estimate an amount for non-essential expens...
by woof755
Mon Jan 15, 2018 4:24 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3250
Views: 943470

Re: What Movie Have You Recently Watched?

Get Out Currently on HBO NOW Absolutely jaw dropping. I was speechless. One of the smartest movies I have ever seen. I can't wait for Jordan Peele's next venture. (This is not a comedy, and it's not really horror. It's just awesome) Agreed. Most fun and gripping movie I have seen in a while. Watche...
by woof755
Sun Jan 14, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 17783

Re: What's your asset allocation and why?

Age 43
60/40

Bonds 40% STT/40%ITT/20%TIPS
Stocks 40% SCV / 40% Foreign small cap / 20%TSM
by woof755
Sun Jan 14, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3250
Views: 943470

Re: What Movie Have You Recently Watched?

Get Out

Currently on HBO NOW

Absolutely jaw dropping. I was speechless. One of the smartest movies I have ever seen. I can't wait for Jordan Peele's next venture.
(This is not a comedy, and it's not really horror. It's just awesome)
by woof755
Mon Dec 11, 2017 12:42 am
Forum: Investing - Theory, News & General
Topic: Prosper
Replies: 12
Views: 1874

Re: Prosper

We put in a little over $2k a year and a half ago.
~5% returns so far.
Probably didn't invest enough to make a difference overall, but I don't really regret it.
white coat investor's website has a nice explanation of his experience.
by woof755
Tue Nov 28, 2017 2:47 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9696

Re: What did you do right?

Got born to good parents. (I give myself all the credit for good taste in choosing them) Worked my arse off in HS and college Left home to go to college Went to cheap state schools for undergrad and med school. Chose a residency and fellowship program that was hard as hell, not cushy. Read Eric Tyso...
by woof755
Tue Nov 28, 2017 2:42 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 6897

Re: How much to tip movers?

I'm pro tipping. Sure, you paid for the job to be done. But, a move is a very personal experience. These people come into your house. Chances are, you're getting to know them a little bit, joking around. And sorta awkwardly telling them what to do and where to put stuff. Usually there's "could you p...
by woof755
Tue Nov 28, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8872

Re: Can I afford a $1,400,000 house

What are the interest rates on the car loan and the student loan debt? I am a concerned by all the people advising to pay off those loans prior to buying a home at a pretty low interest rate--without knowing the rates on the loans he has. If this were credit card debt, different story. (my wife's st...
by woof755
Tue Nov 21, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4215

Re: Trip to Hawaii - what do I need to know

https://www.bogleheads.org/forum/viewtopic.php?t=192782 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=229597 Couple other threads. Oahu has the big city feel but also has nice resorts in North Shore (lots to do, no bright lights) (see Turtle Bay) Big Island has an active volcano, and an ama...
by woof755
Sun Oct 29, 2017 1:54 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4114

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

If visiting Pearl Harbor, you should make reservations ahead of time. My wife and I went to visit in July and I forgot about that. We got to Pearl Harbor shortly after it opened, and the boats to the memorial were already booked until 3:30. I have to laugh at the posters referring to Honolulu as a ...
by woof755
Sun Oct 29, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 216136

Re: TV show recommendations?

Netflix's Mindhunter is very good. Well written and acted, and it is taking its time. The interviews with serial killers are extremely well done. Based on a true story of FBI serial killer researchers.

Better Call Saul
Breaking Bad
Game of Thrones
Narcos !!!!!!!!!
The Unbreakable Kimmy Schmidt
by woof755
Sat Oct 14, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4114

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Kauai: Captain Andy's catamaran to the Na Pali coast was one of the most relaxing and beautiful excursions we have ever done. We also did a fun kayak adventure to the Wailua waterfall. Nice and long, good exercise, minimal current. We live on Oahu: Depends on what you like. the North Shore is less t...
by woof755
Tue Sep 26, 2017 1:00 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9477

Re: Where do you get your news?

www.vox.com

individual WaPo and NYT reporters on twitter.

Podcasts such as 538 politics
Pod Save America
The Gist
and especially the Daily with Michael Barbaro.
by woof755
Fri Aug 18, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10571

Re: Non-fiction bucket list

Erik Larson's In The Garden of Beasts (1930s Nazi Germany from the perspective of the US ambassador to Germany), or Devil in the White City (serial killer at the World's Fair in Chicago)
by woof755
Fri Jun 16, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 13214

Re: Amazon Buys Whole Foods

Saw this on twitter:

Bezos: Alexa, buy me something from Whole Foods.

Alexa: Buying Whole Foods.

Bezos: [(removed) --admin LadyGeek]
by woof755
Sun Oct 30, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8589

Re: What podcasts do you listen to?

Oh, yeah. I totally second the recommendation for "More Perfect" by the guys from RadioLab. Educational, eye-opening pod about the history of the Supreme Court.
by woof755
Wed Oct 26, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8589

Re: What podcasts do you listen to?

Financially speaking, you can't do better than The Room Where it's Happening--a podcast about Hamilton the Musical--finance and Independence, perfect! :D I also like Paul Merriman. And you can listen to him at 1.5x and he comes through clearly. NPR Planet Money My GoTo pods: Election stuff: 538 Keep...
by woof755
Wed Sep 14, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 5728

Re: Presidential Election Insurance, Use T-Bills?

IMO, this is clearly market timing based on speculation. And it's a stretch to say that 75% of the population will be disappointed with the outcome. Voter turnout typically ranges from 55-60%. So 40-45% of the people don't even care enough about who the president is to even bother voting! And of th...
by woof755
Wed Sep 14, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 7766

Re: Is A Two-Fund Portfolio All You Really Need?

As long as you are keeping costs low in your choices, what really matters is being in the market in the first place (and not in a savings account), and how much you are able to invest. If I weren't such a Swedroe 4 factor geek, I'd be in TSM and Total Bond (and probably Total International, because ...
by woof755
Wed Sep 14, 2016 12:24 am
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 5728

Re: Presidential Election Insurance, Use T-Bills?

I'm sorry. I respect you so much, Doc, but I don't follow you here. Highlight this year's democratic candidate, hit delete, and insert the candidate in 2008 and you have the same question a hundred million people (ok I exaggerate) asked in 2008. Huh. Turns out 8 years later Wall Street loves them so...
by woof755
Sat Sep 10, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 5724

Re: map frustration

Try Waze on a friend's smartphone for a trip and then see if you still have this hard stance against not owning a smartphone. Waze is great. Diverted us in real-time around accidents and major traffic jams on numerous occasions. No need to get swept up in the points games-iness of it. It's just a r...
by woof755
Tue Sep 06, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: My take on the passive investing is worse than Marxism
Replies: 25
Views: 5464

Re: My take on the passive investing is worse than Marxism

Nisiprius According to Wikipedia (https://en.wikipedia.org/wiki/John_C._Bogle), his senior thesis was entitled “The Economic Role of the Investment Company.” On the other hand… According to Wikipedia (https://en.wikipedia.org/wiki/Index_fund), his senior thesis was titled “Mutual Funds Can Make No ...
by woof755
Tue Sep 06, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 8010

Re: Vanguard Core Bond Fund

The difference is, when it hits the fan, Total Bond has outperformed everything else do to the amount if Treasury bonds in the fund. This was vital during the financial crisis. If stability is that vital, what's the rationale for not going all the way to 100% Treasury bonds using VG Intermediate Te...
by woof755
Tue Sep 06, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical Fees for Financial Advice
Replies: 20
Views: 3020

Re: Ethical Fees for Financial Advice

I am not a financial adviser, but always wondered if a good marketing technique and a way to make more than a few hundred bucks for a plan (knowing that setting up a plan one time might be enough for some investors--because Bogleheads tend to keep plans pretty simple)... ...would maybe be to charge ...
by woof755
Mon Sep 05, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 70386

Re: TIPS - Did you give up?

Doc wrote:
HMS? Are we fund holders going to be taxed by the EU?
"Why should a tiny island across the sea regulate the price of tea?"

8-)
by woof755
Mon Sep 05, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 5093

Re: Favorite Vegan Products

If I was vegan, my aim would be to find foods with good protein. They also produce vegan protein powder one could use to supplement the diet. https://www.progressivenutritional.com/products/harmonized-vegan-protein/ has been part of my weekday morning smoothie for a long time. It's not difficult to...
by woof755
Mon Sep 05, 2016 12:34 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 5093

Re: Favorite Vegan Products

My wife and I were blown away by this Ezra Klein interview with Bruce Friedrich: http://www.vox.com/2016/4/28/11503266/bruce-friedrich-ezra-klein and also this interview with Patrick Brown from Impossible Foods (sorry, the link isn't directly to the intervie--podcast--but it's in the article) http:/...
by woof755
Mon Sep 05, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 70386

Re: TIPS - Did you give up?

Yes, but that's an individual TIP. Your question I replied to was about a TIPS fund vs international bond fund. I'm sorry, you're right - I was just beginning to edit my post having thought more about this. Buying a TIPS fund kinda makes my head spin. I believe you lose some precision, some control...
by woof755
Sat Sep 03, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 70386

Re: TIPS - Did you give up?

TIPS for me
I really don't see the benefit of international bonds.
I want my bonds for safety / reduced portfolio volatility, not worldwide diversification
by woof755
Fri Sep 02, 2016 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 34673

Re: Vanguard Customer Service

I'm not concerned with my choice of Vanguard for what I really really need it to provide--excellent low cost investment options. No, they aren't going to mess up a conversion. I only feel frustration that I am transferring a large amount of funds. I'm no more important than the little guy, but keepi...
by woof755
Fri Sep 02, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1394

Re: Medical billing question re routine screening

I agree with these suggestions. Colonoscopy infrequently identifies the cause of abd pain that is not associated with other more worrisome symptoms. I would plan on having a screening colonoscopy, with my GI doc knowing that there is a discomfort that has been noted that he or she can keep in back o...
by woof755
Fri Sep 02, 2016 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 34673

Re: Vanguard Customer Service

I am in the process of transferring over $550k from a Fidelity 401k to a rollover brokerage IRA, as well as $160k internally from a 403b held at VG to either a rollover IRA or the same brokerage IRA (I got two different answers about whether it would be possible to roll it directly into the brokerag...
by woof755
Tue Aug 30, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: The Vanguard Effect
Replies: 7
Views: 1757

Re: The Vanguard Effect

Author of the article said Jack was in line to receive the Pres Medal of Freedom (via twitter exchange with me). I don't see this on a google search or a search of the topics on the board.

I can't find the petition anymore, so that could be a good sign. Anyone know of an update?
by woof755
Sun Aug 28, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1853

Re: Tax gain harvesting for kids' UTMA accts

we sold our home at a $21k capital loss (after 7 years of ownership). Will that help offset having to report these gains?
by woof755
Sun Aug 28, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1853

Re: Tax gain harvesting for kids' UTMA accts

Ugh.
Lesson learned. I looked up cap gains tax rates for each tax bracket but didn't go far enough. If the market goes down I'll try to whittle away at it.
Thx for the heads up.
Community bank stock stays put!
by woof755
Sun Aug 28, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1853

Tax gain harvesting for kids' UTMA accts

I have been contributing to UTMA accounts for the past ~10 years. I chose VO (VG mid-cap index) to be like Mel or be different or whatever. They were in the market, so it's all good. This month I exchanged the VO in both accounts to VOE (VG mid-cap value). This triggered over $11k in long term capit...
by woof755
Sat Aug 27, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3564

Re: Hawaii anniversary trip suggestions

Though expensive, I should add that Kahala resort is in a real sweet spot on Oahu. Right by Diamondhead, located on the ocean, just a few minutes from Waikiki but you would never, ever, ever guess it (it's tucked in a pricey residential neighborhood and Diamondhead crater is between it and Waikiki)....
by woof755
Sat Aug 27, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3564

Re: Hawaii anniversary trip suggestions

Just moved here in June, so we're newbies. But we have visited 6 times. Have been to Big Island, Oahu obviously, Kauai and Maui. When friends say they are coming to the islands and want to visit one location, I usually think of Maui. We stayed in a villa associated with Grand Wailea. Maui is basical...
by woof755
Sat Aug 27, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: Factors for Portfolio - "Investment"
Replies: 5
Views: 1097

Re: Factors for Portfolio - "Investment"

trope glad you enjoyed the book The idea of the investment factor is actually pretty simple, firms with high investment underperform those with low investments. Note the worst performing stocks are small cap growth with high investment and low profitability. Those are the "black hole" of investing....
by woof755
Sat Aug 27, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 18818

Re: John Oliver covers retail investment industry on Last Week Tonight

I'm not sure this is the kind of "choir" who watches John Oliver. His show/audience I guess would be considered on the left/liberal and probably younger end of the spectrum. But I don't think such an audience is any more financially literate than any other group. I feel like I am in the target demo...
by woof755
Sat Aug 27, 2016 12:29 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 70386

Re: TIPS - Did you give up?

Let's look at the true current cost of the TIPS "insurance." Total Bond Market sec yield = 1.88% (5.5 year duration) Five year treasury note = 1.23% yield Five year TIPS = -.08% yield If we can accept the premise that the market is thus forecasting 1.31% inflation, the expected real return of TBM i...
by woof755
Fri Aug 26, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 70386

Re: TIPS - Did you give up?

I think of a TIPS ladder (bought at auction, held to maturity) as the ultimate annuity. Zero expenses. Zero default risk. 100% inflation protected. 100% certainty of future buying power (both amount and timing). 100% transparency. 100% control. 100% flexibility to cash out at any time without penal...
by woof755
Fri Aug 26, 2016 2:07 am
Forum: Investing - Help with Personal Investments
Topic: Fisher Investment
Replies: 31
Views: 7214

Re: Fisher Investment

Relative of mine was recently engaged by them, I'm not sure how the connection was made. The initial pitch was basically stock picking to beat the market. Yawn. He was told 1.25% first million, 1.125% thereafter. owwweeeee. I mean maybe if the service included estate planning, but even then, so pric...
by woof755
Fri Aug 26, 2016 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard discouraging investing with Prime MM
Replies: 12
Views: 3297

Re: Vanguard discouraging investing with Prime MM

What is this obsession that people have with Prime MM? I fully intend on having all my cash in a linked 1% savings account which is far better than either Prime MM or Federal MM. And even then, if you are above $250k and want to have your money in Prime MM, by all means you can keep it there. But w...