Search found 41 matches

by Rooster1
Fri Nov 27, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1819

Re: HSA Administrators

I'm an individual account holder. HSA Administrators is not used by my employer, so I can only report my experience as a individual client. Pros: No minimum balance required in a cash/cash equivalent account Good variety of Vanguard mutual funds Cons: $45/year account maintenance fee for individual ...
by Rooster1
Fri Nov 06, 2015 3:46 pm
Forum: Investing - Theory, News & General
Topic: When would you choose an I-bond over a CD? (opinions)
Replies: 15
Views: 2254

Re: When would you choose an I-bond over a CD? (opinions)

Thank you Victoria and Nisi for extolling the virtues of I Bonds.

Sometimes I feel like holding my nose when purchasing at such a low fixed rate, but once again the forum has provided me with some much needed perspective.
by Rooster1
Sun Aug 02, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 11618

Re: Lake Michigan Credit Union

$37.71 July
$36.49 June
by Rooster1
Thu Jul 09, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 11618

Re: Lake Michigan Credit Union

I'm local to LMCU. My wife and I have separate Max Checking accounts (each account earns 3% on the first 15k). Monthly requirements for each Max Checking account to earn 3% are: 1. One direct deposit into the account each month 2. 10 debit card purchases per month 3. 4 internet account logins per mo...
by Rooster1
Mon Apr 06, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford this house?
Replies: 15
Views: 3337

Re: Can I Afford this house?

You could swing it if everything with the job works out as planned. Most everything in medicine is a 'big if' these days... I personally would live like a resident (or fellow) for a while longer. Almost no one does it, but it is the best path. Attack your student debt, save up for a bigger down paym...
by Rooster1
Wed Mar 04, 2015 12:59 am
Forum: Personal Finance (Not Investing)
Topic: 3 Million Dollar Achievers
Replies: 1
Views: 1313

Re: 3 Million Dollar Achievers

Here is the 2015 net worth poll. The results spreadsheet link is in the initial post under 'Results'. The 'summary' tab on the spreadsheet organizes it by age. Sounds like what you're looking for.

viewtopic.php?f=2&t=154364
by Rooster1
Thu Dec 11, 2014 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 51
Views: 7510

Re: Using EE and/or I Bonds Instead of Bond Funds

How old are you? Your current age should be a consideration for federal tax purposes. EE bonds in particular make more sense for a 45 year-old than for a 30 year-old. The 45 year-old will likely be entering retirement in 20 years when EE bonds double in value. A 30 year-old may be in the midst of th...
by Rooster1
Tue Dec 02, 2014 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Married...Any advice?
Replies: 25
Views: 3567

Re: Getting Married...Any advice?

Congratulations. It seems like you have your head screwed on straight judging from your prior posts. My guess is that you're going to do just fine. Make sure you get the big stuff right. Your main risks: divorce, debt and disability. If you can avoid or insure against these, you are off to a good st...
by Rooster1
Mon Dec 01, 2014 5:12 am
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix of stocks and bonds still best balance?
Replies: 36
Views: 8988

Re: Is 60/40 mix of stocks and bonds still best balance?

mosu wrote:Because most people can't tolerate seeing a $2 million portfolio become an $800k portfolio....As your portfolio grows, seeing 15 years of savings evaporate in a few months can crush your soul.
Well put. Sums it up pretty well.
by Rooster1
Sun Nov 30, 2014 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 15033

Re: Life changing decision... advice needed!

interesting thread. You do sound happy in your current job. Seems like a big risk. I will be surprised if you find the Peds EM compensation or schedule to be a dramatic improvement over your current practice. My advice - don't base this decision primarily on lifestyle or money. I think both will be ...
by Rooster1
Fri Nov 07, 2014 6:56 pm
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 3799

Re: Most boglehead off-road vehicle?

The Ford F-150 was the most popular 'millionaire vehicle' in Stanley and Danko's The Millionaire Next Door. Chapter 4, 'You Aren't What You Drive'.

Used F-150
by Rooster1
Wed Nov 05, 2014 4:13 pm
Forum: Investing - Theory, News & General
Topic: Oil and or Metals?
Replies: 19
Views: 1628

Re: Oil and or Metals?

Below is a link to a recent thread, "Does a Precious Metals and Mining Fund Improve a Portfolio?". Might help you with the PME question. My thoughts are posted there. Can't help you with the energy sector fund.

http://www.bogleheads.org/forum/viewtop ... 1&t=142740
by Rooster1
Thu Oct 09, 2014 10:33 pm
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 4902

Re: Cleaning Up Leaves

I've seen the Stihl blower/vac that people recommend, but not sure it'd be great for a really big job. This Stihl blower/vac will likely not work for the job you are describing. The Stihl blower/vac combo is underpowered for anything but the smallest job. I owned one of these machines in the past a...
by Rooster1
Sun Sep 07, 2014 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed - Newbie Investors
Replies: 26
Views: 2859

Re: Portfolio Advice Needed - Newbie Investors

glosing wrote:I am going to try to connect with Allan Roth tomorrow. Does anyhow have any experience with him? Any other recommendations?
Here's a link to a recent thread about Allan Roth

http://www.bogleheads.org/forum/viewtop ... 2&t=135969
by Rooster1
Sat Aug 30, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 5066

Re: Help me evaluate a standby generator quote

I have a Kohler 20 kw as well. About 6 years old. Reliable and quiet. I think your quote is probably in the ball park. It's a pretty big project to install. I think mine was about 9k installed 6 years ago. Runs the whole house, often we don't even realize it kicked on. I have it serviced once a year...
by Rooster1
Tue Aug 26, 2014 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Fee-Only Advisor Cost?
Replies: 26
Views: 2589

Re: Fee-Only Advisor Cost?

It sounds like you are looking for some professional advice as you make a couple tough decisions. I used Allan Roth at Wealth Logic a few years ago. I can’t say enough good things about the experience. It was worth every penny. If you are looking for a fee only advisor who is respected on this forum...
by Rooster1
Sun Aug 10, 2014 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Planning - Start Up Edition
Replies: 4
Views: 1050

Re: Investment Planning - Start Up Edition

Agree with Placeholder about the Roth 401K. As far as the funds go, I personally would start here: SPTN 500 INDEX ADV (FUSVX) 43% SPTN MID CAP IDX ADV (FSCKX) 3% SPTN SM CAP IDX ADV (FSSVX) 7% SPTN INTL INDEX ADV (FSIVX) 27% SPTN US BOND IDX ADV (FSITX) 20% Or SPTN 500 INDEX ADV (FUSVX) 44% SPTN SM ...
by Rooster1
Sun Aug 10, 2014 11:02 am
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 27
Views: 3852

Re: Flooring for home gym

Second vote for the 4 x 6 mats used in horse stalls for home gym flooring. Bought ours at a local Tractor Supply store a few years ago. Affordable and essentially indestructible. They do have a pretty strong 'rubber smell' for a few months. This smell will go away. They are large and heavy to move a...
by Rooster1
Sat Aug 02, 2014 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Acura MDX
Replies: 12
Views: 3877

Re: 2015 Acura MDX

2002 MDX I bought new 12 years ago. Still a daily driver and runs like a top. 200K miles. Its been a fine car.

The only major repair was a new transmission at about 140K miles. Otherwise, its been routine stuff. Good car. I plan to drive it until it dies.
by Rooster1
Fri Jul 11, 2014 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Precious Metals & Mining Fund Improve a Portfolio?
Replies: 29
Views: 4277

Re: Does a Precious Metals & Mining Fund Improve a Portfolio

I have a small allocation to GDX. This is based on reading Bernstein’s thoughts about precious metals equity (PME) holdings. I think you will get mixed recommendations on this forum regarding the utility of holding PME, but most will be negative. Most are probably tired of discussing it. My thoughts...
by Rooster1
Mon Jun 30, 2014 7:44 am
Forum: Investing - Theory, News & General
Topic: Suggestions for teaching new MDs about finance?
Replies: 39
Views: 3921

Re: Suggestions for teaching new MDs about finance?

Some anecdotal experience with these types of talks: I've been helping give our residents a simple series of talks on personal finance and retirement planning. The talks were started by one of my physician partners who has done it for our residency for many years before me. Neither of us have any fo...
by Rooster1
Wed Jun 11, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on portfolio (Starting from Scratch)
Replies: 57
Views: 5043

Re: Thoughts on portfolio (Starting from Scratch)

I think your asset allocation is fine. Low cost, diversified. At this point, savings rate will have the greatest impact on your portfolio's growth. If you wanted to simplify your initial plan and go with a 3 fund strategy to start out, it might look something like this: 401K 500 Index 28% Extended M...
by Rooster1
Mon Jun 09, 2014 10:01 am
Forum: Investing - Theory, News & General
Topic: New Lazy Portfolio: "Trinity Portfolio"
Replies: 28
Views: 3001

Re: New Lazy Portfolio: "Trinity Portfolio"

I wouldn't feel too badly that the vote isn't going your way. Here is a list of financial experts and authors who have Lazy Portfolios listed in the Wiki: Bill Schultheis Rick Ferri William Bernstein David Swenson Andrew Tobias Scott Burns Frank Armstrong Harry Browne I see nothing inherently wrong ...
by Rooster1
Sun Jun 08, 2014 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off my mortgage early?
Replies: 25
Views: 3532

Re: Should I pay off my mortgage early?

This question seems to come up quite a bit on the forum. Here is a recent poll from someone asking a similar question: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=131013 You will likely get a variety of responses. I also agree that you should first explore refinancing to a 15 year mortgage.
by Rooster1
Sun Jun 08, 2014 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 102
Views: 18401

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

My mistake. I inadvertently responded to the wrong thread.
by Rooster1
Mon May 26, 2014 12:18 am
Forum: Personal Finance (Not Investing)
Topic: penny smart, dollar stupid with cars
Replies: 24
Views: 4014

Re: penny smart, dollar stupid with cars

Keep your truck.

(A fellow filthy hunting dog fan)
by Rooster1
Thu May 15, 2014 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional starting out.
Replies: 15
Views: 2053

Re: Young professional starting out.

A typical 80/20 equity/fixed income portfolio could be designed like this: 40% S&P 500 index 20% SMID Index (small-mid cap index) 20% International ex-US index 20% US Bond Index Low cost, diversified, rebalance back to percentages once per year (your birthday for instance or if the percentage signi...
by Rooster1
Wed Apr 30, 2014 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: First Serious Look at 401k
Replies: 9
Views: 1218

Re: First Serious Look at 401k

You have some advantages: 1. Age 32 2. High earner 3. Your debt is manageable with your salary and possible raise coming up 4. You are educated and motivated I started out in a somewhat similar situation. Things turned around quickly when I set my mind to it and had a plan. P.S. Here's a Wiki link a...
by Rooster1
Tue Apr 29, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: First Serious Look at 401k
Replies: 9
Views: 1218

Re: First Serious Look at 401k

If it were me, I would lump sum it all into SWPPX. I would then start funding a Roth for myself and my wife. Although not ideal, a Roth can also serve as an emergency fund backup if there is a financial disaster. Down the road, the flexibility of the Roth accounts coupled with the S & P 500 fund (SW...
by Rooster1
Tue Apr 29, 2014 11:52 am
Forum: Investing - Help with Personal Investments
Topic: First Serious Look at 401k
Replies: 9
Views: 1218

Re: First Serious Look at 401k

I would also use SWPPX Schwab S&P 500 as your primary 401K holding. Reading through your previous post, I personally think SWPPX by itself is probably fine for now. Get the 401K match and use SWPPX. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=137535&p=2031365#p2031365 Keep building your emer...
by Rooster1
Sun Apr 20, 2014 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Just maxed 2013 Roth IRA. Should I max 2014 now too?
Replies: 21
Views: 3812

Re: Just maxed 2013 Roth IRA. Should I max 2014 now too?

If you wait until later in the year, then next year you will face the same dilemma. I'd go ahead and invest now and then make your 2015 contribution on Jan 2, 2015. Then do the Roth as early as possible each year going forward. The only time it makes sense to wait is if you are getting close to not...
by Rooster1
Fri Apr 18, 2014 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k investment advice
Replies: 5
Views: 857

Re: 401k investment advice

These Vanguard Total International Stock Index Fund - Admiral Class Shares Vanguard Total Bond Market Index Fund - Admiral Class Vanguard 500 Index Fund - Admiral Class Vanguard Extended Market Index Fund - Admiral Class Agree. You have good choices in the plan and can very simply create a 3 Fund p...
by Rooster1
Thu Apr 10, 2014 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, looking for insights
Replies: 55
Views: 6481

Re: New to investing, looking for insights

Welcome to the forum,

The 'Getting Started' page and the Wiki are great resources. Also, while it is directed toward physicians, I think Jim D's superb new book, The White Coat Investor may be helpful for you as a PA as well:

http://www.amazon.com/The-White-Coat-In ... 0991433106
by Rooster1
Thu Apr 03, 2014 10:58 pm
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 17219

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

In terms of loss of resale value, you already paid for the repair when the transmission went out. The car is basically worthless in its current condition but if you fixed it, you could probably sell it for close to what you pay for the repair. So - I'd go ahead and repair it and if you like the car...
by Rooster1
Wed Mar 26, 2014 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Daretobedull--Allan Roth
Replies: 15
Views: 3767

Re: Daretobedull--Allan Roth

I used Allan about two years ago. One time, fee-only, comprehensive review . The process took a few weeks through email, phone conversations and a few documents he needed to review were sent through the US mail.

I recommend him without reservation. Allan is an excellent choice.
by Rooster1
Sun Mar 02, 2014 12:34 pm
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 3083

Re: Best way to safely increase expected returns

Option "a. Save/Invest more" has had a much greater impact for me than any tinkering I have done with my asset allocation, fund choices, alternative investments, etc. I focus on what I can control - spending less/saving more. It seems obvious, but it still took me a while to understand what a differ...
by Rooster1
Tue Jan 21, 2014 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 5844

Re: Bogleheads favorite Personal Finance/Investing Blog?

'Oblivious Investor' - Mike Piper
'White Coat Investor' - EmergDoc
by Rooster1
Sat Jan 18, 2014 9:54 am
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 102
Views: 18401

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

I have both a Vanguard taxable account and a low-interest mortgage. I view my mortgage as a 'negative bond'. There have been several threads on this forum regarding this approach. Opinions seem to vary. I can only offer my personal experience. When I rebalance, in include the remaining mortgage as p...
by Rooster1
Fri Jan 17, 2014 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Experience with personal lending
Replies: 52
Views: 3954

Re: Poll: Experience with personal lending

mevertsen wrote:I don't "lend" money to friends. I automatically count it as a loss.
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