Search found 23 matches

by raidman
Wed Apr 01, 2020 3:07 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 19681

Re: Is the coming pain really "priced in"?

Keep in mind 2 things: 1) The medical severity does not necessarily reflect the economic severity. Tons of people may be dying a month from now, but if the economy is somehow restarting (antibody test, herd immunity, robot factories, whatever), its the economic expectation that matters. 2) The gover...
by raidman
Thu Mar 19, 2020 11:00 pm
Forum: Personal Investments
Topic: I knew this was going to happen and did nothing...
Replies: 107
Views: 10358

Re: I knew this was going to happen and did nothing...

An admission. Last week I did sell some equities (first time ever) in anticipation of a market drop (was gonna rebalance anyway and felt a lil saucy). How did I "know"? Earlier that week a trader friend asked me if the virus was gonna hit NYC. "Umm, yeah". It just showed me Wall ...
by raidman
Thu Mar 12, 2020 11:08 pm
Forum: Personal Investments
Topic: Missed the Dec 31 Backdoor Roth deadline?
Replies: 2
Views: 239

Missed the Dec 31 Backdoor Roth deadline?

Quick Question. Df made a $6000 non-deductible IRA contribution in December 2019. Now wants to do a backdoor Roth conversion. Obviously she has missed the Dec 31 deadline - ie, her tIRA balance on Dec 31 was $6000 (non-deductible dollars). The contribution and the conversion will be in different cal...
by raidman
Sun Mar 01, 2020 8:47 pm
Forum: Personal Investments
Topic: Transaction costs in 403b?
Replies: 3
Views: 294

Transaction costs in 403b?

Embarrassingly simple question here. I have a good amount of VTSMX (total stock market) held in a Vanguard 403b account. I want to transition towards some bond-heavy funds as I age. Will I incur transaction costs (ie, fees, hidden fees, taxes, whatever) to do this? (Assuming they're vanguard funds w...
by raidman
Tue Feb 11, 2020 12:41 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32272

Re: What is the best concert you ever witnessed?

1) Rage Against the Machine, Coachella 2006 2) Rage Against the Machine, Alpine Valley 2007 3) all others... Both RATM shows nearly devolved into anarchy for different reasons (adding to the legend of it all). The music itself is just solid instrument-driven rock. Awesome riffs - Tom Morello just cr...
by raidman
Tue Feb 11, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1426
Views: 84982

Re: What are you listening to now

Sturgill Simpson - Sound and Fury An unholy lovechild of Pink Floyd, Waylon Jennings, 80's Synth wave, and ZZ Top. Really bending alot of genres. To top it off, he also released it as the soundtrack to a short Anime movie on Netflix (ala Pink Floyd The Wall). Where do they come up with this stuff??...
by raidman
Mon Apr 30, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 59
Views: 6790

Re: Must See in South Dakota

I have made that drive many many times. If you don't have much time to spare, I would drive through the Badlands and stop at some of the viewpoints. That is the best single thing to see along that route. If you have more time or are trying to expand your vacation, here are some other ideas: -Mt. Rus...
by raidman
Mon Apr 02, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Physcian specialty question - not advice
Replies: 12
Views: 2403

Re: Physcian specialty question - not advice

No, it is NOT necessarily the same. After medical school, some doctors undergo a 5-year residency in ENT. (ENT = Ears/Nose/Throat = otolaryngology). Some doctors, after these 5 years of residency, pursue an ADDITIONAL 2 year fellowship in head/neck surgery. So someone that calls themselves a Head/ne...
by raidman
Mon Mar 19, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 278
Views: 31905

Re: What is your favorite reasonably priced bourbon?

I'm a scotch drinker who takes bourbon as a break.

Just wanted to +1 Ancient Age as a highly sippable bourbon despite its inexpensive spot on the bottom shelf.

Basil Hayden is fantastic at the midrange.
by raidman
Fri Oct 13, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 3413

Re: Ecuador safe to travel and hike?

Go on the trip - the mountains are beautiful and the itinerary seems impressive. There ARE safety issues in Ecuador that you just need to control for. Mainly 2... 1) Pickpocketing is rampant 2) traffic safety. I was there in 2016, mainly in Quito but we did travel around cotopaxi and to the west of ...
by raidman
Fri Aug 04, 2017 10:55 am
Forum: Personal Investments
Topic: Order of accounts for taxation
Replies: 3
Views: 808

Order of accounts for taxation

Hi all, I am trying to understand the order of taxation for different accounts in retirement, in the context of how I should invest/plan now (ie at a young age!). Specifically, how are different income sources taxed? anyone have an example of how the taxes are added up? I am basically looking at 4 t...
by raidman
Mon Jun 05, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 4501

Re: Cold weather family summer vacation ideas

Glacier, Banff, Alaska are all fantastic ideas. Depending on your level of adventure, another unique idea is the Boundary Waters in MN. It is a huge area of lakes (more water than land in many areas), reserved for canoe backcountry trips. You get outfitted in the nearby towns. No snow on the ground,...
by raidman
Sun Apr 02, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 11616

Re: Dream vacation spots?

Baffin Island - Auyuittuq park

Stratovolcanoes on Kamchatka peninsula

Banff/Jasper/Kootenay/Yoho

Go big!
by raidman
Sat Dec 19, 2015 10:31 pm
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 10548

Re: Christmas Time : How to not appear rude

Dude. Don't be the grinch this year.

Just ask for some fancy consumable item. Top-line chocolate or a fancy Islay whiskey.

They'll have fun buying it... and no matter how rich you are, you'll have fun eating/drinking it. You can even share with them and make it more memorable.
by raidman
Fri Dec 11, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: 10 Best Guitar Finger Style Tunes
Replies: 19
Views: 4611

Re: 10 Best Guitar Finger Style Tunes

You're probably several skill levels beyond me. So dont laugh :) That said I have really enjoyed playing the songs from the album Endless Numbered Days, by Iron and Wine - alot of it is fingerstyle. Also their song Carousel from a different album. I first got turned on to finger style by the song Br...
by raidman
Sun Oct 18, 2015 5:23 pm
Forum: Personal Investments
Topic: tax-sheltered investing VS. paying loans
Replies: 11
Views: 1395

Re: tax-sheltered investing VS. paying loans

Just crossed into positive net worth territory. I was able to refinance the loans at 2%, and have paid off $10k in principal so far. Maxed out on Roth x2 years, 100% VTIAX (Intl index). Still maxing out 403b (100% VTSMX). For the next few years, you'll be too tired to spend money, anyway. :happy Abs...
by raidman
Tue Jun 02, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 55446

Re: Your opinion on realistic income to live in a $1 million home?

I agree it's silly to aim for an arbitrary price point when buying a house -- but this is a simplistic response and probably doesn't really address the OP's question. I'll try to give this argument the benefit of the doubt, and assume they simply want certain things in a house that will inevitably p...
by raidman
Thu Jan 29, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3938

Re: What to see in Istanbul

Agree with all the spots listed above... Check out the Princes islands (Buyukada is the largest). You can catch a ferry to them. They are beautiful and quaint -- no motorized vehicles allowed. Horse drawn carriages only, cruising around Turkish folks' summer homes. Lots of parks - It would be great ...
by raidman
Thu Jan 01, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 8560

Re: Best albums from 2014?

Royal Blood - Royal Blood. (debut album)

They're touring with the Foo Fighters -- if they're good live, they just might upstage them.
by raidman
Mon Nov 10, 2014 1:26 pm
Forum: Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 69955

Re: What is your age and AA?

27yo

100% equity (plus 20k in MM)

I dont anticipate ever letting my fixed costs get so big that I couldnt ride out a bear market.... And I have great job stability
by raidman
Wed Nov 05, 2014 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 255
Views: 49440

Re: Cash - Throw it all on the table!!!

About 15k in a MM account, about 1k to 2k in checking.

My monthly expenses are ~1200. I like having extra cushion for an unexpected LARGE expense like needing a new car suddenly.
by raidman
Thu Oct 02, 2014 6:58 pm
Forum: Personal Investments
Topic: tax-sheltered investing VS. paying loans
Replies: 11
Views: 1395

Re: tax-sheltered investing VS. paying loans

Thanks to all that provided their insight. It is truly a blessing to have access to free advice from such a knowledgable crew. I wanted to check in because I just crossed $10,000 in my 403b account.... A small milestone, but a good source of encouragement! Decisions I've made since the initial post....
by raidman
Fri Apr 11, 2014 12:19 pm
Forum: Personal Investments
Topic: tax-sheltered investing VS. paying loans
Replies: 11
Views: 1395

tax-sheltered investing VS. paying loans

Hello, I am a 27yo just starting a surgical residency. I am debating the merits of paying down my loans during residency, vs investing aggressively in tax-sheltered accounts. Here are the details of my situation... Single, no kids, no plans to marry soon. $60,000 in educational debt, 6.8% No CC debt...