Search found 3107 matches

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: 2969

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: 2969

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: 1231

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: 589

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: 520

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: 127
Views: 12341

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: 127
Views: 12341

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: 127
Views: 12341

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 6915

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: 4745

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: 4745

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: 4745

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: 1984

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: 11
Views: 737

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: 15297

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: 1760

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: 15297

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: 15297

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: 15297

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: 315

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: 1920

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: 798

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: 95
Views: 7237

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: 5790

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: 5999

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: 44
Views: 3088

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...
by woof755
Sun Jan 21, 2018 2:59 am
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5790

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

The Judge Jon Hodgman podcast made me laugh out loud three times this week.
by woof755
Thu Jan 18, 2018 2:26 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5516

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: 111
Views: 14537

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: 55
Views: 5812

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: 88
Views: 7313

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: 88
Views: 5516

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: 1574

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: 3502
Views: 987534

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: 19556

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: 3502
Views: 987534

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: 2007

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: 10242

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: 7382

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...