Search found 60 matches

by IndexBeliever
Thu Dec 22, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2195

Re: Honda Odyssey Value point

Wow. Loads of information. Had no idea about the engine issues. Will keep reading and researching. Almost bought a 2011 with 100k miles but didn't love the color so walked out of the dealership. Salesman called 2 min later and wanted to lower the price. Always smart to be willing to walk away and wa...
by IndexBeliever
Thu Dec 22, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2195

Re: Honda Odyssey Value point

Thanks for the wisdom.

I'm assuming a relatively low maintenance costs for all hondas correct?
by IndexBeliever
Thu Dec 22, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2195

Honda Odyssey Value point

Dear BH, I've read countless posts about honda odysseys on this forum. I know the resale value is high and thus makes buying used less of a value compared to other vehicles. My question is, do you think there is a point of optimum value buying a used van. I'm thinking of buying a 3-6 yo Odyssey with...
by IndexBeliever
Sat Nov 05, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for kids college
Replies: 55
Views: 4481

Re: Paying for kids college

Thanks everyone. A lot of great insight. I agree, maybe making them pay for a car or half a car would be a better financial decision than college.

Will open a couple 529s ASAP!

Thanks!!!
by IndexBeliever
Sat Nov 05, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for kids college
Replies: 55
Views: 4481

Paying for kids college

Dear BH, Father of a 3 yo and 1 yo. Trying to save money for children's college education. I understand benefits of tax advantaged saving in 529. My question is this, has anyone taken the approach to save money in a high yield saving account or bonds fund and not tell their kids they had a college f...
by IndexBeliever
Wed Jun 01, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need tips: interviewing for private practice GI job
Replies: 4
Views: 585

Re: Need tips: interviewing for private practice GI job

mhalley wrote:Malpractice insurance, who pays tail if you leave.
Possibility of 1099 income.
Health insurance.
Retirement plan details.
Possibility of moving expense reimbursement.


Great list! Thanks!
Who typically pays malpractice insurance? Is there any industry standard?
by IndexBeliever
Wed Jun 01, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Need tips: interviewing for private practice GI job
Replies: 4
Views: 585

Need tips: interviewing for private practice GI job

Dear Bogleheads, About to start interviewing for private practice GI jobs. Looking for any advice/wisdom, Important interview questions I should ask. Any GI docs, or specialists out there with any input would be greatly appreciated! Here are some questions/topics in no particular order I plan on add...
by IndexBeliever
Sun Apr 24, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Re: Physician Specialists Looking for career advice

Dear Bogleheads, I am a first year fellow in a subspecialty. Looking for career advice. Any advice or experience regarding the following would be helpful. 1. Joining a multispecialty clinic vs specialty specific group vs hospital employed position? 2. Would a BogleHead be completely opposed to taki...
by IndexBeliever
Sun Apr 24, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Re: Physician Specialists Looking for career advice

There is a lot of good advice here from experienced physicians. I will give you my take: I have been in practice as a surgical subspecialist for 20 years. I went to an extremely underserved (but rapidly growing) area when I came out of residency. It was an excellent opportunity to make a lot of mon...
by IndexBeliever
Sun Apr 24, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Re: Physician Specialists Looking for career advice

You used the plural, "Specialists". Do you have multiple fellowships in different specialties or is there more than one of you? In my field (anesthesiology), the best method of financial success is being willing to live in some undesirable part of the country. But, those places are undesi...
by IndexBeliever
Sun Apr 24, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Re: Physician Specialists Looking for career advice

Dear Bogleheads, I am a first year fellow in a subspecialty. Looking for career advice. Any advice or experience regarding the following would be helpful. 1. Joining a multispecialty clinic vs specialty specific group vs hospital employed position? 2. Would a BogleHead be completely opposed to taki...
by IndexBeliever
Sun Apr 24, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Re: Physician Specialists Looking for career advice

get a position in a VA Medical Center. the specialists don't do primary care. You will have a pension and benefits and can contribute to the TSP, best 401K in the country. Do you work for the VAMC? Any VA employees out there can comment? My limited observation has been significantly less compensati...
by IndexBeliever
Fri Apr 22, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6351

Physician Specialists Looking for career advice

Dear Bogleheads, I am a first year fellow in a subspecialty. Looking for career advice. Any advice or experience regarding the following would be helpful. 1. Joining a multispecialty clinic vs specialty specific group vs hospital employed position? 2. Would a BogleHead be completely opposed to takin...
by IndexBeliever
Tue Dec 15, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 6
Views: 724

Tax Loss Harvesting Question

Dear Bogleheads, I have a TLH question. If I sell VTIAX for a loss in a taxable account and exchange it for a not identical fund such as vanguard international explorer fund (VINEX), but buy Vanguard Target Date retirement fund (contains some vanguard international index fund) at the end of the mont...
by IndexBeliever
Sat Jul 25, 2015 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Student Investor
Replies: 13
Views: 1662

Re: Medical Student Investor

Where is your emergency fund earning 5% fixed per year? Asking for a friend...
by IndexBeliever
Sat Jul 25, 2015 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard i401k and backdoor roth
Replies: 2
Views: 359

Vanguard i401k and backdoor roth

So I've read that one of the drawbacks of the vanguard solo 401k is that there is some problem with the backdoor Roth IRA. We opened an individual 401k with vanguard 2 years ago. Will need to start utilizing the backdoor roth in 3 years. What is the specific issue with this? Is it impossible? Does i...
by IndexBeliever
Tue Jun 16, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Dress Shirts: Off The Rack + Tailored Or Made to Measure
Replies: 15
Views: 2926

Re: Dress Shirts: Off The Rack + Tailored Or Made to Measure

Have you tried on a "slim fit" shirt? These are great for all the excess shirtage around the waist.
by IndexBeliever
Sat Jun 13, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Buying a house from a trust help!
Replies: 2
Views: 657

Buying a house from a trust help!

Dear Bogleheads, Anyone have experience in real estate or buying a home from a trust? We've sold our house and have agreed on a price with a trust officer on the new home. We were told it has to go before a judge to approve the sale. Their is one heir who wants to buy th home to flip it. The other h...
by IndexBeliever
Thu May 21, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Selling House Affect MAGI?
Replies: 2
Views: 843

Selling House Affect MAGI?

Quick question. I'm selling my home and will be making some profit. My question is will this affect my modified adjusted gross income and thus Roth eligibility? I went to the IRS http://www.irs.gov/taxtopics/tc701.html and it appears there is some tax break associated with selling a home. Thanks Bog...
by IndexBeliever
Mon May 18, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 3380

Re: Young And Clueless

Couldn't agree more with the above posters! You are going to do great if you start saving early and often.

I believe a vanguard target date fund is a great place to start. My opinion is that that the experts at Vanguard know a lot more than I do. Wish I had started saving earlier!
by IndexBeliever
Thu May 07, 2015 11:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 80627

Re: Calling all Docs! Physician Chapter/Interest Group

I want to join. When I click on the yahoo link from the bogleheads website it is says "This Yahoo group does not exist."

And I clicked on EmergDoc link and can't make it work either. Anyone know how I can join?

1st year GI fellow.
by IndexBeliever
Wed Apr 22, 2015 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Offer >=$100 Back in First Few Months?
Replies: 5
Views: 833

Re: Which Credit Cards Offer >=$100 Back in First Few Months

American Express Cash Preferred. $150 back after first 1,000 spent in 3 months. Great card for groceries (6% off) and gasoline (3% off). Annual fee of $75
by IndexBeliever
Tue Apr 21, 2015 10:22 pm
Forum: Personal Consumer Issues
Topic: New York City Tours
Replies: 11
Views: 1363

Re: New York City Tours

+1 for foods of NY tours I've found food tours are a great way to learn a city. You normally walk a couple miles, stop and eat at 6 different places and learn about individual neighborhoods and how they impacted the food industry. We always do them on day 1 of our trips so that we will know where we...
by IndexBeliever
Wed Apr 15, 2015 12:59 am
Forum: Investing - Theory, News & General
Topic: Why not rebalance with reinvested dividends?
Replies: 11
Views: 2188

Re: Why not rebalance with reinvested dividends?

I'm not sure you can do that. Normally dividends/CG are reinvested in the same fund or goes to cash. In a Vanguard mutual fund account you can certainly direct dividends to be invested in another fund. I don't think it makes much sense to send fund A dividends to fund B and vice-versa though. A bet...
by IndexBeliever
Tue Apr 14, 2015 10:46 pm
Forum: Investing - Theory, News & General
Topic: Why not rebalance with reinvested dividends?
Replies: 11
Views: 2188

Why not rebalance with reinvested dividends?

Bogleheads, [list] Random question. Supposed one held equal amounts of total international stock and total us stock in a ROTH IRA. Would it make sense to reinvest dividends from International into US and dividends from US into international? This way, one might be buying low if US was kicking off mo...
by IndexBeliever
Mon Apr 13, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor Crossing State Lines
Replies: 5
Views: 686

Re: Independent Contractor Crossing State Lines

[/quote] She personally delivers the independent contractor services in MS, she is subject to MS state income tax. She must pay estimated taxes in MS and file a MS return. Unfortunately, in this case TN has no state income tax on earned income, so it all goes to MS. You really should have been aware...
by IndexBeliever
Mon Apr 13, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor Crossing State Lines
Replies: 5
Views: 686

Re: Independent Contractor Crossing State Lines

We live in TN. Thanks. I didn't know if being an independent contractor changed that at all.
by IndexBeliever
Mon Apr 13, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor Crossing State Lines
Replies: 5
Views: 686

Re: Independent Contractor Crossing State Lines

Any thoughts? I have a CPA who seemed to think we should pay income tax in MS.

Thanks.
by IndexBeliever
Sun Apr 12, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor Crossing State Lines
Replies: 5
Views: 686

Independent Contractor Crossing State Lines

Bogelheads, My wife is an optometrist and works as an independent contractor for an ophthalmologist. The main business operation is in Memphis, TN but she works at two satellite clinics just across the state line in MS. All billing and financial issues come out of Memphis. My question is, as an inde...
by IndexBeliever
Fri Mar 20, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Closing individual 401k
Replies: 3
Views: 629

Re: Closing individual 401k

Thanks Spirit Rider. Thinking about closing for simplicity. Fewer accounts to manage and rebalance. Plus vanguard's individual 401k sight is lacking to say the least. But good thought. Maybe I should just leave it alone. However I might like to rollover to a Roth for inheritance purposes down the ro...
by IndexBeliever
Fri Mar 20, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: Closing individual 401k
Replies: 3
Views: 629

Closing individual 401k

My wife has been an independent contractor (optometry) and she has been contributing to an individual (solo) 401k with both pretax and Roth contributions. She was offered a job to become a full time employee in the next few months. My question is how should she close her individual 401k? She already...
by IndexBeliever
Fri Mar 06, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 4012

Re: The More I learn, the Less changes I make

I find it interesting that finance is completely different than most of life. For example, if you want to get ahead in business, the more research you do, polls, surveys, people you meet and time you put into it, the more successful business you may have. It seems like in personal investing, the mo...
by IndexBeliever
Fri Mar 06, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 4012

Re: The More I learn, the Less changes I make

Van wrote:Agree completely, but it should be FEWER changes.


Thanks! English was my worst subject in school!
by IndexBeliever
Fri Mar 06, 2015 3:58 pm
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 4012

The More I learn, the fewer changes I make

I find it interesting that finance is completely different than most of life. For example, if you want to get ahead in business, the more research you do, polls, surveys, people you meet and time you put into it, the more successful business you may have. It seems like in personal investing, the mor...
by IndexBeliever
Fri Mar 06, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Beach Vacation
Replies: 3
Views: 486

Beach Vacation

Hey All, Planning a week of vacation for me and the Mrs. in June. Mrs. IndexBeliever would like to go somewhere with a beach. I would love to have our own private pool. But in order of priorities, a nice beach is probably at the top. We did Cancun before and it was nice and close. I went to the gran...
by IndexBeliever
Sun Feb 08, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Re: Capital Gains help

Did not step up to it. But it was a gift and just trying to make the most reasonable decisions going forward.

Did not realize that about inheritance. But would want the Roth IRA to be an inheritance primarily if possible correct?
by IndexBeliever
Sun Feb 08, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Re: Capital Gains help

Will holding an actively managed fund like Wellington (vwenx) In a taxable account not further increase taxable gains in the future? Let me rephrase, why would one hold an actively managed fund in a taxable account for decades? Is the hope that in retirement that one is in 15% federal tax bracket an...
by IndexBeliever
Tue Jan 20, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Starting out with an IRA
Replies: 13
Views: 1291

Re: Starting out with an IRA

yes, Target 2060 is probably a great choice for you. There are at least 3 principles to investment success. 1. You can't control the markets, you can only control how much you pay to be in the markets -A vanguard target date fund is a great, very low cost way to have a broadly diversified exposure 2...
by IndexBeliever
Mon Jan 19, 2015 9:00 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Re: Capital Gains help

What is tax gain harvesting? I'm learning how to tax loss harvest.

Thanks
by IndexBeliever
Mon Jan 19, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Re: Capital Gains help

Thanks all.

Will not sell and will continue to diversify going forward!

Thanks so much for your insight!
by IndexBeliever
Mon Jan 19, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Re: Capital Gains help

Thanks all. In 25% federal tax bracket and no state income tax The VWENX makes up ~40% of the portfolio and was an inheritance. All future money going into index funds. Trying to simplify things but keeping it means pouring some into small and mid caps to balance it out. 10 years from now I would li...
by IndexBeliever
Mon Jan 19, 2015 5:34 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 2037

Capital Gains help

I spoke with vanguard personal advisors. Wanted to reduce my actively managed funds and move to a more indexed diversified portfolio. Currently 40% of my taxable account is in Wellington (VWENX) with ~30k of unrealized capital gains. Vanguard recommended not touching VWENX because of the capital gai...
by IndexBeliever
Wed Jan 14, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund articles
Replies: 6
Views: 1130

Re: Target Date Fund articles

I use target date funds in my 401k because it is the best option for access to low cost index funds given my employer options. I'm in favor of the glide path for a couple reasons. 1. Takes away the individual desire/tendency to market time. Probably tough to sell stocks and shift to bonds in the mid...
by IndexBeliever
Wed Jan 14, 2015 12:12 am
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 24873

Re: What was your costliest investment mistake?

I bought VGENX at it's peak ~$73/share. My thought was energy will always to be a great sector! Within 6 months I had lost 40% ! Luckily it was only ~1.3% of my portfolio but a VALUABLE lesson. I was able to tax loss harvest, so not a total loss.
by IndexBeliever
Wed Jan 14, 2015 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Somewhere Else (Solo 401k)
Replies: 13
Views: 2811

Re: Vanguard or Somewhere Else (Solo 401k)

Great question. I have limited insight as we opened a solo 401k for my wife at Vanguard ~ 3 months ago. Pros 1. We already had everything at vanguard and for simplicity sake, we wanted to keep the solo 401k there as well 2. Vanguard has pretty dirt cheap ERs. Can only get investor shares in the 401k...
by IndexBeliever
Wed Jan 07, 2015 5:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard i401k No automatic investment options
Replies: 2
Views: 523

Vanguard i401k No automatic investment options

Dear Bogleheads, My wife opened up an individual 401k at vanguard a few months ago. We were hoping to dollar cost average throughout the year rather than just make a lump sum payment at the end of the calendar year. We emailed our vanguard rep and the response was AIP (automatic investment payments)...
by IndexBeliever
Tue Jan 06, 2015 11:58 pm
Forum: Investing - Theory, News & General
Topic: How do Taxes work in retirement vehicles
Replies: 5
Views: 623

Re: How do Taxes work in retirement vehicles

Thanks all!

Much help as always!
by IndexBeliever
Tue Jan 06, 2015 11:34 pm
Forum: Investing - Theory, News & General
Topic: How do Taxes work in retirement vehicles
Replies: 5
Views: 623

How do Taxes work in retirement vehicles

Dear Bogelheads, Love the forum. Much thanks to all of you who contribute. Question 1. How do taxes work in a traditional 401k? I know the investments grow tax deferred. My question is do you have to keep up with any transactions over 30 years? Lets say you rebalance yearly within the traditional 40...
by IndexBeliever
Thu Jan 01, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: International in Tax Deferred
Replies: 13
Views: 1725

Re: International in Tax Deferred

Great point retiredjg. I think I have been confused. Will be in a higher tax bracket at retirement, probably not during. I do have a Roth 401k and 457b at work so I feel that I get some tax diversification. Thanks all for your wisdom.
by IndexBeliever
Wed Dec 31, 2014 7:09 pm
Forum: Investing - Theory, News & General
Topic: International in Tax Deferred
Replies: 13
Views: 1725

Re: International in Tax Deferred

[quote="livesoft"]What is your marginal income tax bracket? Why are you using a Roth 401(k)? Currently 25% (married filing jointly). Using Roth 401k because salary will increase in 3-4 years and expect to be in higher bracket at retirement. Thanks for the insight about the taxes this year....