Search found 13441 matches

by White Coat Investor
Sun Dec 09, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: HSA with military spouse
Replies: 4
Views: 275

Re: HSA with military spouse

1. Yes but don't. Actually, maybe not. But doesn't matter.

2. No it isn't.

An HSA isn't worth buying a HDHP you don't have to buy.
by White Coat Investor
Fri Dec 07, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Backdoor Timing
Replies: 2
Views: 218

Re: 2018 Backdoor Timing

This week I was able to roll in to my workplace 401k my VG rollover tIRA(100% pretax). I have no other tIRA's and wish to contribute new money to a non deductible tIRA which I will then convert to a Roth. Does it matter at this point when I contribute and convert the new money for 2018? Is it clean...
by White Coat Investor
Fri Dec 07, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1610

Re: VMMXX over.... CD, Bonds, HYS?

Very good to know, so it's better than I thought. Thanks. From my reading here, it seems like there was one MM that collapsed or had issues many moons ago but eventually everyone got 98 cents on the dollar? And I also read that regulations were changed after this occured, meaning it should be even ...
by White Coat Investor
Fri Dec 07, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11754

Re: Who else is getting excited? [about the market]

I can’t help it, but when I read headlines such as “worst market to invest since the 1970s as almost all markets decline” or worst quarter in 7 years etc, I view that as positive news for a long term investor. I’m nowhere near retirement, so a year like this year simply means I can invest at lower ...
by White Coat Investor
Fri Dec 07, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question: Jamie Dimon ( JPMorgan ) on Bonds
Replies: 18
Views: 2162

Re: Question: Jamie Dimon ( JPMorgan ) on Bonds

Today ( Dec 6 ), Jamie Dimon, CEO of JPMorgan, was interviewed on CNBC. He opined that the bond market was in a bubble and he would not buy US bonds ( I think he meant treasuries ). What did he mean by that ? And what does it mean for the bond buying boglehead ? It means Jamie, JPMorgan, and/or CNB...
by White Coat Investor
Thu Dec 06, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 315
Views: 16838

Re: What are others paying for property taxes around the US?

I think Utah is pretty good. The percentage is pretty variable due to a big exemption, but I'm at about $3600 for 4400 sq ft. Utah bases it on value though and I can't recall what they think it's worth. Certainly less than it is.
by White Coat Investor
Thu Dec 06, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Moved on from a FA. Do I respond?
Replies: 17
Views: 1798

Re: Moved on from a FA. Do I respond?

Move on. Don't respond.

An appropriate response would have been. "I appreciate the opportunity to serve you the last few years. If you change your mind, I'll be here ready to help. Best of luck with your investments."
by White Coat Investor
Wed Dec 05, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6786

Re: Anybody Miss the Crypto Rage on BH Forums

I never bought a single crypto currency, but I can't lie that the spirited discussions had on this forum provided much amusement. Crypto currencies seem to be the total antithesis to Boglehead philosophy. I feel like we keep losing competing philosophies as inflows to index funds keep rising. Quest...
by White Coat Investor
Mon Dec 03, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Google Sheet investment spreadsheet
Replies: 5
Views: 754

Re: Google Sheet investment spreadsheet

I tried that function with Excel years ago, but it was so buggy I gave up on it. Does it work better in Sheets? Does it work better now in Excel? Anyone know?
by White Coat Investor
Mon Dec 03, 2018 1:10 am
Forum: Investing - Help with Personal Investments
Topic: $96/year Planning
Replies: 10
Views: 2165

Re: $96/year Planning

Hard to imagine someone can be profitable at that price and offer much of a service, but I'm a big fan of low advisory costs. At <$100, why not try it? Nothing to lose and you might save a few thousand. Probably a great place for a 2nd opinion. I've had a lot of interaction with Mark over the years,...
by White Coat Investor
Sun Dec 02, 2018 2:00 am
Forum: Personal Consumer Issues
Topic: Yay Engineers!
Replies: 4
Views: 1489

Yay Engineers!

If you don't think your work matters, well, it does. https://www.adn.com/opinions/national-opinions/2018/12/02/heres-who-to-thank-that-we-all-survived-the-quake-on-friday/ An unsung cadre of engineers has protected us since, reviewing plans and objecting when the danger is too high. They have been o...
by White Coat Investor
Sun Dec 02, 2018 1:51 am
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3831

Re: What is the lowest 'safe' emergency fund we should have?

The richer you get the less you need an emergency fund. I mean, if you've got a million in a taxable portfolio, does $20K in a savings account really make you more secure somehow? Even if the taxable portfolio is all stocks, you can just swap bonds for stocks in tax protected and avoid selling low. ...
by White Coat Investor
Fri Nov 30, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4364

Re: How do Bogleheads justify taking vacation?

OP you should have seen the other thread where bogleheads were taking 2-3 big vacations a year, hard to follow when everyone is so thrifty here. That being said, yes take some time off to get away and relax. Try an all-inclusive in the carribean for something that isn't too spendy. Then use all oth...
by White Coat Investor
Fri Nov 30, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4364

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? So far I have come up with "reasons" for taking vacation, but I can't really justify any of them. - I don't like to do "touristy" things. I couldn't be bothered with whatever monument or landmark. - I a...
by White Coat Investor
Fri Nov 30, 2018 12:56 am
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5521

Re: First Crypto ETF Index Fund launched!!! $HODL

Wow lots of negativity on crypto here. Comments and concerns about the legal aspects of the ETF are valid, but I don't understand what's with all the hostility against crypto as an alternative asset aka small 5-10% porfolio. Do you own commodities like Gold? Guess what Gold has no intrinsic value, ...
by White Coat Investor
Thu Nov 29, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5521

Re: First Crypto ETF Index Fund launched!!! $HODL

The whole thing is just a big joke, even the name of the ETF. I feel badly for anyone putting serious money into the entire asset class.
by White Coat Investor
Thu Nov 29, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Being a physician and more specifically a surgeon I can honestly say that I have never met a surgeon that has knownly performed an unnecessary surgery. Have people had surgery and not benefited from it? Of course. Sometimes we are wrong. Sometimes we explain to patients that surgery might not help ...
by White Coat Investor
Thu Nov 29, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Doctors are and should be held to a higher standard. Paying based on salary rather than on operations performed would go a long ways towards removing any possible incentive for offering unnecessary medical care. No, you'd just be incentivizing the doc to not provide necessary medical care. Trust me...
by White Coat Investor
Thu Nov 29, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2358

Re: Guy's Western US Ski Trip - suggestions?

Hi All, I'm planning a guy's ski trip out west for February where about 6 of us will be flying in from all over the US. Last time we did this we stayed slope side at Snowbird. While it was fun, the nightlife and restaurant scene was virtually non-existent. Here's our criteria: - Terrain for all abi...
by White Coat Investor
Wed Nov 28, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2257

Re: TSP Unveils Plans for Expanding Withdrawal Options

we're planning to move DWs TSP to TIAA in Vanguard Institutional funds early next year. The ER is lower, Say what? That seems unlikely. Current TSP ER is 0.032-0.033%. If TIAA has lower ERs, they can't be much lower. This page suggests TIAAs' ERs are 20X those of the TSP. We have access to Vanguard...
by White Coat Investor
Wed Nov 28, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare. Yup! That was the 'useful' fact I learned from this thread. I'm not sure fact is the right word there. What would you suggest we call it? As noted above, a misunderstanding as doctors can't take commissi...
by White Coat Investor
Wed Nov 28, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5511

Re: Is good, quality luggage worth the price?

I bought a carry-on recently. I can certainly afford the high end stuff but felt the value proposition was in the mid-range. I'm pretty happy with what I got for a wheeled carry-on. It has all the features I need, none I don't, and adequate construction. I think I paid $150 or so. You can literally ...
by White Coat Investor
Wed Nov 28, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2257

Re: TSP Unveils Plans for Expanding Withdrawal Options

mrc wrote:
Wed Nov 28, 2018 1:23 pm
we're planning to move DWs TSP to TIAA in Vanguard Institutional funds early next year. The ER is lower,
Say what? That seems unlikely. Current TSP ER is 0.032-0.033%. If TIAA has lower ERs, they can't be much lower.

This page suggests TIAAs' ERs are 20X those of the TSP.
by White Coat Investor
Wed Nov 28, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

RW-Expat wrote:
Wed Nov 28, 2018 5:24 am
Moderator feel free to close the thread.
That's not quite how forums work. :)
by White Coat Investor
Wed Nov 28, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare. +1 +1 I get paid commission, but not as a doc. I know the difference between productivity pay and commission. The OP does not. At any rate, incentivizing your doc to put a little hustle under her bustle ...
by White Coat Investor
Wed Nov 28, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

AlphaLess wrote:
Tue Nov 27, 2018 7:16 pm
Dottie57 wrote:
Tue Nov 27, 2018 3:30 pm
I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare.
Yup!

That was the 'useful' fact I learned from this thread.
I'm not sure fact is the right word there.
by White Coat Investor
Wed Nov 28, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

RW-Expat wrote:
Tue Nov 27, 2018 4:39 pm
Big Dog wrote:
Tue Nov 27, 2018 4:24 pm
What is her vacation allowance per year?
3 weeks - not sure it matters but 15 years service.
I got more than that as a resident. Maybe start there!
by White Coat Investor
Wed Nov 28, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare. I disagree with the OP's description of productivity based pay as commission. If I see two patients, I get paid for giving advice to two patients. If I see three, I get paid more etc. That's not commissi...
by White Coat Investor
Wed Nov 28, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Should I Quit Bothering with Backdoor Roth and/or IRA?
Replies: 20
Views: 2532

Re: Should I Quit Bothering with Backdoor Roth and/or IRA?

Full disclosure: not my first post. I created a dummy account so I could protect some privacy while being transparent about account sizes. I hope that's OK. Welcome! The OP has received permission from the moderators for a second account. See: Usernames (accounts) , second paragraph. Why not just h...
by White Coat Investor
Tue Nov 27, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7390

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Paid holidays sound nice. Never had a job that provided that. I guess I had "four weeks of paid vacation" in the military, but not really since I had to work the same number of shifts in a month I took a week's leave as a month in which I took no leave. I guess I had true paid vacation as a resident...
by White Coat Investor
Tue Nov 27, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 36
Views: 2449

Re: Vanguard Individual 401K now offering Admiral funds

Mine was all TIPS. Hers was TIPS, small value, and international small. The SV was converted. The TIPS cannot (even if you have $50K in it in the i401(k)). And there still aren't admiral shares for International small. As I recall, that's actually why I moved that asset class into this account! Adm...
by White Coat Investor
Tue Nov 27, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 36
Views: 2449

Re: Vanguard Individual 401K now offering Admiral funds

All right, rearranged assets so that most of the money in our i401(k)s are in admiral shares. Still have to call to make any trades though. Kind of a pain. Hopefully they'll get that worked out in the next few weeks.
by White Coat Investor
Tue Nov 27, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 36
Views: 2449

Re: Vanguard Individual 401K now offering Admiral funds

Call the small business number specifically that I posted above That worked great, thanks. Unfortunately, we have four funds in our two i401(k)s. Mine was all TIPS. Hers was TIPS, small value, and international small. The SV was converted. The TIPS cannot (even if you have $50K in it in the i401(k)...
by White Coat Investor
Tue Nov 27, 2018 3:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 36
Views: 2449

Re: Vanguard Individual 401K now offering Admiral funds

This is so frustrating. Maybe I'll call again later today and try to avoid going to my Flagship rep. Anyone know how to request a new Flagship rep? It doesn't seem that having one is doing me any good. I hate to say this reinforces my overall opinion of the average financial professional, but I gues...
by White Coat Investor
Mon Nov 26, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 36
Views: 2449

Re: Vanguard Individual 401K now offering Admiral funds

With the recent changes at Vanguard (shifting some funds from Investor shares to Admiral shares), I wondered if this applied to solo 401Ks held at Vanguard. I attempted to do a conversion on the Vanguard site and none of those holdings showed up. When I clicked on one of the fund holdings, i.e. Inv...
by White Coat Investor
Sat Nov 24, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2298

Re: Vacation for single parent and 2 teens: Belize or where?

My wife and I loved our trip to Belize. Snorkeling, SCUBA diving, zip lines, tube caving, cool archaeological trips to Mayan temples, everyone speaks English, nice accommodations and my favorite hike in the world. What's not to like? (Other than paying US prices for everything.)
by White Coat Investor
Wed Nov 21, 2018 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 37967

Re: Anyone tired of the stock market going up?

Don't invest according to the way you "feel" whether that is tired, stressed, excited or whatever. Emotion is your enemy here.
by White Coat Investor
Mon Nov 19, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Beware the commission salesperson
Replies: 19
Views: 1929

Re: Beware the commission salesperson

The issue isn't the existence of commissioned salespeople. I have a commissioned salesperson who sells ads for my website. The issue is that people mistake commissioned salesmen for financial advisors because they call themselves financial advisors and pretend they are financial advisors. If you wan...
by White Coat Investor
Mon Nov 19, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Question for MDs: How much math required for med school?
Replies: 9
Views: 1020

Re: Question for MDs: How much math required for med school?

Phineas J. Whoopee wrote:
Mon Nov 19, 2018 1:57 pm
We have a lot of physicians here, a very few of whom make assertions I find bizarre.

How much undergraduate math is typically required for admission to medical school?

PJW
Very little. I did one semester of Calculus (and got credit for another for AP class).
by White Coat Investor
Sat Nov 17, 2018 3:20 am
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1673

Re: Dimensional Funds

You can do far worse than using DFA funds or following Wiener's recommendations.

DFA funds aren't "high ER" by any standard, at least not without adding on a 1% of AUM advisory fee.
by White Coat Investor
Sat Nov 17, 2018 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5166

Re: Incompetent home inspector - what to do?

Most of the time the contract is written such that they can just walk away after the inspection no matter what it finds. That's why the contract also says the inspection has to be done in a timely manner, so if they walk you can get it back on the market. I wouldn't worry about it. The next buyer wi...
by White Coat Investor
Sat Nov 17, 2018 2:38 am
Forum: Investing - Help with Personal Investments
Topic: Bond Index Fund - What account to place it in?
Replies: 3
Views: 672

Re: Bond Index Fund - What account to place it in?

Not enough information to answer, but probably a tax protected account, and if you're not going to tax adjust your accounts (most don't) and can fool yourself that a dollar in a tax-deferred account is worth the same as a tax free one, then put it in tax deferred. Unfortunately it's a complicated de...
by White Coat Investor
Fri Nov 16, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6338

Re: Cremation seminar – with complimentary lunch

On this forum we’ve frequently seen (and participated in) discussions about “free” meals for listening to a wealth management pitch. Has anyone ever attended an event put on by Smart Cremation? (I believe I heard that they now run most cremation services in the US.) I got an invitation in the mail ...
by White Coat Investor
Fri Nov 16, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sold house. need sanity check
Replies: 9
Views: 2876

Re: Sold house. need sanity check

Sold my home and netted $94k from the sale. Currently renting, but will be looking to purchase a new home fairly soon next 3-6 months. I plan to use all of 94,000 to put a hefty down payment and necessary repairs to the next house. This money was tied up in a house, so it's not like I ever knew tha...
by White Coat Investor
Fri Nov 16, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2557

Re: Need advice on (2) jackets.

Velcro on jackets kills ties and sweaters. I would avoid it at all costs. Also make sure the pockets are roomy and usable so you can store your hat & gloves. My wife and I went with Patagonia for our coats (they make town style coats for real world use and outdoors specialty coats). My wife likes t...
by White Coat Investor
Fri Nov 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2557

Re: Need advice on (2) jackets.

Wow. These are apparently pretty expensive...and thus banned from some schools. Maybe these jackets are nicer than I thought at first glance...

https://www.cnn.com/2018/11/16/uk/pover ... index.html
by White Coat Investor
Fri Nov 16, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?
Replies: 34
Views: 2315

Re: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?

Pick something reasonable and stick with it. Over a typical 60 year investing career, most segments of the market will have their day in the sun multiple times.
by White Coat Investor
Fri Nov 16, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2557

Re: Need advice on (2) jackets.

Velcro isn't a great fastener for a jacket in my experience. And both of those jackets are way too thin to bother with fur around the ruff. If you're in a situation where you need fur, that jacket ought to be adequate to stand on the back of a dog sled on the Yukon for 12 hours. Otherwise, I think y...
by White Coat Investor
Fri Nov 16, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 171
Views: 9629

Re: If riskier than US, why doesn't international outperform?

I expect reversion to the mean at some point. The good news is you can buy international stocks right now at 2006 prices.