Search found 369 matches

by DblDoc
Sun Apr 01, 2012 7:58 pm
Forum: Investing - Theory, News & General
Topic: What if you pay more than a billion dollars in fees?
Replies: 15
Views: 1421

What if you pay more than a billion dollars in fees?

Would you outperform the market? Apparently not... The $26.3 billion Pennsylvania State Employees’ Retirement System has more than 46 percent of its assets in riskier alternatives, including nearly 400 private equity, venture capital and real estate funds. The system paid about $1.35 billion in mana...
by DblDoc
Tue Mar 27, 2012 7:27 pm
Forum: Investing - Theory, News & General
Topic: How often have you goofed and placed an incorrect order?
Replies: 46
Views: 3310

Re: How often have you goofed and placed an incorrect order?

Once.

Sold instead of buying a fund :oops: . I no longer do my investing after working an overnight shift...

DD
by DblDoc
Sun Sep 11, 2011 11:33 am
Forum: Investing - Theory, News & General
Topic: SWR Formula? 2% vs 4% means what?
Replies: 23
Views: 3292

So I'm thinking when people say 4% SWR they mean that they retire once they can live on a non-inflation adjusted 4% of their current portfolio, and gradually diminish the principal. They mean they can live on an inflation adjusted 4% of the amount in their portfolio at the point of retirement , and...
by DblDoc
Sun Sep 11, 2011 11:30 am
Forum: Personal Consumer Issues
Topic: Do you work to live or live to work?
Replies: 50
Views: 4591

Re: Do you work to live or live to work?

gasman wrote:The second group is rapidly becoming disenchanted because of what is happening in health care and choosing the "work/life balance" track.


I resemble that remark.

DD
by DblDoc
Sun Sep 04, 2011 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Household G retirement savings annually
Replies: 30
Views: 2666

frugalhen wrote:you are correct, I should have had an over $30k option. I am curious, is the crowd contributing over $30k nearing retirement and trying to catch up, or just prodigious savers? If you can, please elaborate.


All three. < 10yr from retiring, trying to catch up and saving prodigiously.

DD
by DblDoc
Sun Sep 04, 2011 5:12 pm
Forum: Investing - Theory, News & General
Topic: Labor Day Weekend, Time Horizon & Compost
Replies: 7
Views: 920

I guess I should stop actively managing my compost piles. Nah. I need the compost annually, not once every 6 years, and it is a good source of exercise.

DD
by DblDoc
Wed Aug 31, 2011 4:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 18496

Why wouldn't you carry a large handgun (instead of pepper spray) if you were hiking in bear country? I think I'd want something a little more substantial to be honest. Pepper spray? Did somebody seriously suggest that? Bears are fairly unlikely to rape people I would have thought. Use some pepper s...
by DblDoc
Tue Aug 30, 2011 3:49 pm
Forum: Investing - Theory, News & General
Topic: Pimco's Gross Acknowledges 'Mistake' On Treasurys Bet -FT
Replies: 54
Views: 7355

magician wrote:
wjo wrote:. . . principally that risk [that we take] should be on the equity, not bond side of our portfolio.

Why is that?


Because frequently the risk shows up when we would least like it to. As an example junk tends to get hit hard when equities do so it doesn't help soften the blow.

DD
by DblDoc
Tue Aug 30, 2011 3:44 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 18496

I would contact these folks: http://www.shta.org/index.php

Bear hunting starts Sept 1st in that area. Bears are a lot less of a problem in areas that have a hunting season as they quickly learn to avoid humans. The latter is not meant as a position on hunting one way or the other.

DD
by DblDoc
Tue Aug 30, 2011 2:42 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 18496

I spend a lot of time in the outdoors, a good bit of it in "bear country" (albeit, usually black bear country) - so far, I have only seen three bears (I'm sure more bears saw me than vice versa), and never had one behave aggressively. Bear attacks are way way down on my list of things to ...
by DblDoc
Mon Aug 29, 2011 8:07 pm
Forum: Investing - Theory, News & General
Topic: So what is Bill Gross up to?
Replies: 47
Views: 9093

Well as if we needed more evidence for how hard it is to time the market here is Bill Gross' take on his move out of treasuries and bet against them earlier this year: m During an Aug. 16 interview at Pimco's Newport Beach, Calif., headquarters, Mr. Gross, manager of Pimco's Total Return Fund, the w...
by DblDoc
Sun Aug 28, 2011 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Conbributions to 401K, SEP-IRA, and Roth?
Replies: 5
Views: 711

Re: Thank you

That is very helpful. Yes, I have a 401K through a corporation I work for. However, my contributions for next year will be limited by high earner restrictions. The SEP-IRA is for self-employment income I make off internet. I am still complete confused on the high earner rule: I believe my employee ...
by DblDoc
Sat Aug 27, 2011 9:55 pm
Forum: Personal Consumer Issues
Topic: Life Alert bracelet for mother
Replies: 19
Views: 2348

i think those necklace/bracelet alarming systems had their place pre-cell phones. nowadays, i'd prefer to just get them a small cellphone w/ 911 as the 1 hotkey and have them keep that on them at all times. post-portable cell phones, those services seem antiquated as 8-track tapes and wired remote ...
by DblDoc
Sat Aug 27, 2011 7:13 pm
Forum: Investing - Theory, News & General
Topic: Blog for Doctors
Replies: 42
Views: 9790

To EmergDoc's excellent post I would add another class of patient that leads to extensive testing - those who cannot provide us with any history and limited exam. These would include the very demented and patients under the influence. I have been ordering more CTA head and necks as that is now part ...
by DblDoc
Sat Aug 27, 2011 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: USA Today article -- vanguard charges .75% fee????
Replies: 62
Views: 10419

Emerging Markets Index still charges fees despite its huge size, probably because there are days that inflows and outflows do not match; if many investors want out of emerging markets on one day, the fund has to sell a lot of stock. EM was down to 0.25 for purchase & redemption. Then Brazil add...
by DblDoc
Sat Aug 27, 2011 4:18 pm
Forum: Personal Consumer Issues
Topic: Life Alert bracelet for mother
Replies: 19
Views: 2348

I see it used all the time. It is how many elderly patients who live alone make it to the ER.

DD
by DblDoc
Sat Aug 27, 2011 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Your craziest financial move during the Financial Crisis?
Replies: 25
Views: 3960

When the market had fallen 25% we invested 50% of our emergency fund in stocks. This was per my IPS. What did I do when we hit 50% down? Nothing. My IPS had no "rule" about a 50% decline even though I should have anticipated it, after all how often have we heard you should measure your ris...
by DblDoc
Fri Aug 26, 2011 9:20 pm
Forum: Investing - Theory, News & General
Topic: Accumulators: Emerging Markets and International Good Value?
Replies: 17
Views: 2016

Re: Accumulators: Emerging Markets and International Good Va

Over the last two months, international and emerging markets have been hammered more than the US. PE10 for international looks better now in most countries than the US. That being said, to the accumlators have you adjusted your new buy ins to more internation and EM? So if you had an established as...
by DblDoc
Thu Aug 18, 2011 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Professional degrees pricing themselves out of the market
Replies: 51
Views: 6895

Re: Professional degrees pricing themselves out of the marke

Hi Forum, I have a story that rattled my bones and I wanted to share: my friend is about to start vet school at Ohio state and required student loans. She told me she need to take out $85,000 for the first year!!! I was stunned. Checked the website and Non-resident tuition is $63,829 (m). If tuitio...
by DblDoc
Fri Aug 12, 2011 5:54 pm
Forum: Personal Consumer Issues
Topic: Why won't gas prices fall!?!?
Replies: 71
Views: 7561

kenschmidt wrote:Gas in my area has been falling rapidly - from around $3.75/gal just a few weeks ago to under $3.35/gal now.


Similar here in the PNW. It was $3.89 a few weeks ago. Just filled up for $3.58.

DD
by DblDoc
Fri Aug 12, 2011 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: I didn't just stand there: I did something
Replies: 81
Views: 8369

I checked but didn't hit rebalance bands so I did nothiing with my portfolio. I did spend too much time reading all the various threads associated with the volatility this week :roll:

DD
by DblDoc
Thu Aug 11, 2011 6:32 pm
Forum: Investing - Theory, News & General
Topic: Tired of: "Yay Market is Collapsing Shares Are Cheap!!!
Replies: 80
Views: 8320

Not surprising. Most people here seem conditioned to the notion that stocks will always go up and up over the long run. - DDB Uhm....because they are right? Over the long run we have this thing called inflation. XYZ corp that sells 100,000 widgets for $1.00 with a 10% profit margin in 1900 might be...
by DblDoc
Thu Aug 11, 2011 6:01 pm
Forum: Investing - Theory, News & General
Topic: Poll: Changing allocation due to market?
Replies: 51
Views: 6072

I voted #3 as it was closest. I rebalance with new money into my 403b on the 15th and 30/31st and with my independent contracting job into taxable/SEP IRA towards the end of the month. I checked after monday and my bands weren't even close to being hit so I doubt that has changed.

DD
by DblDoc
Sun Aug 07, 2011 4:44 pm
Forum: Investing - Theory, News & General
Topic: -- POLL -- still use S&P indexed funds?
Replies: 26
Views: 2747

I have some S&P 500 index funds in some of my retirement funds as that is the only domestic equity, low cost, index funds available. Not planning on changing that. If one was going to boycott S&P wouldn't their inaccurate ratings of MBS's be better grounds for doing so?

DD
by DblDoc
Fri Aug 05, 2011 11:26 am
Forum: Investing - Theory, News & General
Topic: If ever there were a moment to market time, this is it.
Replies: 92
Views: 13824

1 simple number (PE10) is enough to beat the market. See Pfau's paper linked above. My allocation formula, which is based on both PE10 and the 5 year TIPS yield, is heavily influenced by Pfau's work. --inflammatory remarks deleted- -. You have read the sites policies about civil discourse haven't y...
by DblDoc
Thu Aug 04, 2011 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do YOU deal with staying the course?
Replies: 29
Views: 2331

gasman wrote:Should have had one more choice in the poll: I grit my teeth and do it, knowing that it is the best strategy.

Still makes me nervous to buy when everyone is selling.


I hold my nose but teeth gritting might work also.

Investing is simple, just not easy.

DD
by DblDoc
Wed Aug 03, 2011 11:12 am
Forum: Personal Consumer Issues
Topic: Camping / emergency preparedness food?
Replies: 22
Views: 3283

We just purchased from here: http://www.packitgourmet.com/. Haven't tried them yet but they get rave reviews at the backpacking boards we frequent. They do cost $. Some are freezer bag cooking, some require actual cooking.

DD
by DblDoc
Fri Jul 29, 2011 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: The time has come to fire the broker!
Replies: 100
Views: 12627

Re: "The Coffeehouse Investor"

Hi DD: I do have on my list Coffee house investing. Bill Schultheis's, "The Coffeehouse Investor" is one of my favorite books. You can read many of its valuable excerpts here: The Coffeehouse Investor -- A Gem More Investment Gems I have read most of the books on the list...but not that o...
by DblDoc
Fri Jul 29, 2011 11:13 am
Forum: Investing - Help with Personal Investments
Topic: The time has come to fire the broker!
Replies: 100
Views: 12627

One final question: I am running not walking to the book store this weekend to educate myself on investing- I would love 2 or 3 great books- any suggestions? I do have on my list Coffee house investing. Again, thanks for taking the time to share insight and advice! I will post later how my short an...
by DblDoc
Thu Jul 28, 2011 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: High saving rate or high rate of return?
Replies: 10
Views: 2101

So, as an example, let's say you make 100K a year and have the ability to save 30K of that per year. Would you advocate saving it in the traditional sense (ie. putting the money in a savings account in the bank) or would it be to advocate it to your asset allocation in the form of a taxable account...
by DblDoc
Thu Jul 28, 2011 6:51 pm
Forum: Personal Consumer Issues
Topic: hey doctors - risk vs benefit
Replies: 24
Views: 2112

I wasn't looking for specific medical advice, just how you assess risk v benefit. Only the patient (or parent) can make this decision as everyone has their own values and sense of risk. What might be an acceptable risk for one may be unacceptable to another. The first thing to do is get as informed...
by DblDoc
Thu Jul 28, 2011 6:45 pm
Forum: Personal Consumer Issues
Topic: Can I build my own PC?
Replies: 47
Views: 4505

I've built our last 4 computers. I use parts from NewEgg and spend some time at Tom's Hardware: m. They post builds for a variety of machines (cheap to top of the line) every few months. If you look back 6-12 months the parts will now be cheaper and you can winnow out the reliable ones based on revi...
by DblDoc
Thu Jul 28, 2011 10:55 am
Forum: Personal Finance (Not Investing)
Topic: We may as well start the thread --Staying the Course
Replies: 64
Views: 6239

I'm ignoring the noise. I'm 50/50. My IPS says if I get to 45/55 I'll rebalance. The real question is: if it goes to 10/90 will you rebalance? Thanks SP-diceman He couldn't get there, because h's already rebalanced at 45-55. Im talking 10/90 in one or two days. Then likely someone has turned the ke...
by DblDoc
Thu Jul 21, 2011 10:56 am
Forum: Personal Consumer Issues
Topic: How many of you ride motorcycles
Replies: 47
Views: 3939

I commute by ferry. Motorcycles are FIFO and fares are less than half that of cars. Wearing a full set of gear, full face helmet and assume everyone is out to get me and I am probably a lot safer than a bicyclist in the streets of Seattle.

Oh and I ride a Ducati Monster

DD
by DblDoc
Tue Jul 19, 2011 6:35 pm
Forum: Personal Consumer Issues
Topic: Negotiating Emergency Room Bills
Replies: 36
Views: 6311

Another ER doc here. Just to put this all into perspective only a small minority of ER's in this country operate in the black. Most operate as a loss leader, the hospital hoping to make it up on the care provided on the inpatient side. And they certainly are not making it up on the Medicare/Medicaid...
by DblDoc
Mon Jul 18, 2011 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Any ideas on low cost/ Low balance IRA for a minor?
Replies: 7
Views: 697

Not all companies will open an account depending on the state in which you live. I ended up having to open an account with Scottrade for my 17yo as it was one of the few that would a) allow a minor to have an account (with me as co-owner until he is 21) and b) allow me to buy ETF's instead of MF's a...
by DblDoc
Mon Jul 18, 2011 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Any ideas on low cost/ Low balance IRA for a minor?
Replies: 7
Views: 697

hope25 wrote:HI, Please clarify what is a VBS account?

Thanks, Hope


Vanguard Brokerage Services https://personal.vanguard.com/us/whatwe ... ommissions

DD
by DblDoc
Tue Jul 12, 2011 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Anyone lump sum their 401 / 403 / 457?
Replies: 10
Views: 1011

My 401a is a lump sum contribution in April after they calculate how much the non-HCE employees contributed the year before and then calculate how much we get. My 403b is bimonthly. We do lump sum the IRA's and HSA in Jan, and now will do I-bonds as well.

DD
by DblDoc
Tue Jul 12, 2011 11:03 am
Forum: Investing - Help with Personal Investments
Topic: I know I'm not supposed to time the market, but...
Replies: 48
Views: 6550

For me, I know ahead of time the required percentage drop that certain ETFs that represent certain asset classes need to drop in order for me to rebalance. For example, at the present time the total US stock market ETF needs to drop by more than 1.92% in a single day for it to be a really bad day b...
by DblDoc
Mon Jul 11, 2011 11:16 am
Forum: Forum Issues and Administration
Topic: Who is your favorite Boglehead?
Replies: 103
Views: 13565

My vote goes to the mods who keep this place civil and focused.

DD
by DblDoc
Wed Jul 06, 2011 11:22 am
Forum: Investing - Theory, News & General
Topic: Consider the zero-stock 4% SWR portfolio
Replies: 12
Views: 3281

Michael Baker wrote:It also forgot
3. the possibility of not running out of money as long as you both die within 30 years.


Fixed it for you.

DD
by DblDoc
Sat Jul 02, 2011 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead investing poll
Replies: 8
Views: 1105

IRA's
401a
403b
SEP IRA
I-bonds
Taxable
HSA

DD
by DblDoc
Sun Jun 12, 2011 2:49 pm
Forum: Investing - Theory, News & General
Topic: Beating the market ?
Replies: 57
Views: 4976

If you do have an AA goal, then timing your rebalancing is counter to the principles you set out with. If you choose to postpone rebalancing (for whatever reason), you have effectively accepted a change in your AA. Making short-term changes in your AA goal is, well, market timing. When was the last...
by DblDoc
Sat Jun 11, 2011 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Bond anxiety
Replies: 39
Views: 4350

Am I the only one that loaded up on CDs when they were paying 5% and 6% a couple years ago? That's how I cured my (bond) anxiety. Well, when I moved most of my fixed income $ from funds to individual CDs, Treasuries & TIPS, the rates were a little lower, but still much better than currently. ( ...
by DblDoc
Thu May 26, 2011 11:20 am
Forum: Investing - Theory, News & General
Topic: TIPS are a great addition to one portfolio
Replies: 9
Views: 2007

hsv_climber wrote:Have you just finished your morning reading of David Swensen?

That said... One can predict many things. I can predict that 0% I-bonds is a better investment than -0.4% 5-year TIPS.


True...but I can only buy $10k of I bonds annually.

DD
by DblDoc
Sat May 21, 2011 12:27 pm
Forum: Investing - Theory, News & General
Topic: Zweig: Own Government Bnds? Here's Why You Should Be Worried
Replies: 51
Views: 7233

There is nothing to see here.

most individual investors would probably be wise to boycott buying long-term government debt


I'll continue to buy short and intermediate term treasuries (and TIPS) when my AA tells me to.

DD
by DblDoc
Fri May 13, 2011 9:04 pm
Forum: Personal Consumer Issues
Topic: Anyone Brew their Own Beer?
Replies: 15
Views: 1686

What is the point of brewing your own beer? Saving money? Better taste? It looks like a lot of work to save a few pennies when it is much easier to buy the quality beer from the local breweries in the grocery store. If I wanted to save money on beer I should wait until it goes on sale at the store ...
by DblDoc
Fri May 13, 2011 9:35 am
Forum: Personal Consumer Issues
Topic: Anyone Brew their Own Beer?
Replies: 15
Views: 1686

Re: 5 to 10 5-gallon batches around 25 yars ago

rocket wrote:I brewed around 5 to 10 5-gallon batches around 25 yars ago. It was always bad tasting.


The quality of ingredients was variable back then, they are much better now. You might want to give it a try again.

DD
by DblDoc
Thu May 12, 2011 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends in taxable account
Replies: 6
Views: 1109

Not really advertised by Vanguard, but you can have a balance of $0.00 in your money market fund and still have a few dollars of dividends deposited into it. That is, if you have dividends going into it, Vanguard seems to ignore minimums requested elsewhere by them. Early on I was moving things aro...
by DblDoc
Thu May 12, 2011 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Universal life insurance for high income earner-tax benefit?
Replies: 37
Views: 7301

Another doc here that bought a VUL fresh out of residency. It was sold as a tax free way to save money . Got out before it cost us too much after getting educated here. I'm much happier investing that money in Vanguard ETF's in a taxable account. If you tax loss harvest and use tax efficient funds t...