Search found 63 matches

by eilros
Wed Sep 05, 2012 2:34 pm
Forum: Personal Investments
Topic: Backdoor Roth and TIRA transfer
Replies: 3
Views: 612

Backdoor Roth and TIRA transfer

My wife is a physician and I’m a stay-at-home dad and we both have a rollover Traditional IRA and a Roth. I want to do a Backdoor Roth for my wife’s account and think I have it figured out after reading the thefinancebuff.com article but would like confirmation. Her 401(k) is administered by Wells Fargo and offers some pretty good funds that we already invest in (VINIX, VMCIX and VSCIX) and they will accept a transfer from an TIRA. If I understand it correctly, all I need to do is transfer her TIRA from Vanguard into her Wells Fargo 401(k), then make a non-deductible contribution to a TIRA and covert it to a Roth. Both of our TIRAs have around $40K each. I think the backdoor Roth is a great option for her but since I don't have a paying job...
by eilros
Mon Mar 28, 2011 1:13 pm
Forum: Personal Consumer Issues
Topic: Frozen Four in St. Paul
Replies: 9
Views: 1865

Frozen Four in St. Paul

Are there any other Bogleheads going to St. Paul for the Frozen Four? I can't make it to the semifinal games but have tickets for the National Championship game.

Sioux Yeah Yeah
by eilros
Wed Jan 12, 2011 4:27 pm
Forum: Personal Consumer Issues
Topic: Verizon Will Offer the iPhone Next Month
Replies: 39
Views: 5105

And now this: The end of a new phone every two years. Verizon officials have confirmed what SmartMoney was told by Verizon sales reps at a number of stores around the country: The company is ending its popular "New Every Two" program , which offers Verizon subscribers a credit of $30 to $100 toward a new phone every two years. As of Jan. 16, the company will stop offering the credit to new customers and won't re-enroll current customers in the program after their next New Every Two upgrade. The cell carrier is also putting the brakes on its permissive early upgrade policy, store representatives confirmed. All of this adds up to more out-of-pocket costs for Verizon customers. With the New Every Two perk, a longtime customer with a...
by eilros
Wed Jan 12, 2011 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have Umbrella Insurance?
Replies: 50
Views: 8673

We have a $1MM umbrella that costs us $105/yr. We bought it as soon as my wife was accepted into medical school and had a negative net worth at that time.

FWIW, when we moved this summer and I was shopping for new insurance, the premium for $1MM varied from $72/yr to $236/yr depending upon the company.
by eilros
Mon Jan 10, 2011 2:46 pm
Forum: Personal Consumer Issues
Topic: "New" Car for New Twin Babies
Replies: 91
Views: 18301

I agree with everyone that suggests getting a minivan. We have two kids and bought a Certified Sienna XLE in 2008 and haven't regretted it for a minute. Be sure to buy one that has power sliding doors and liftgate. Those options are worth their weight in gold.
by eilros
Fri Jan 07, 2011 2:35 pm
Forum: Personal Investments
Topic: Quicken and rebalancing transactions
Replies: 1
Views: 892

Quicken and rebalancing transactions

This is probably a stupid question but I'll ask anyway.

I recently rebalanced my portfolio (Rollover IRA & Roth) and am wondering about the best way to manually record the transactions in Quicken. I assume simple sell/buy transactions are the easiest. Is there a better way to do it or doesn't it really matter?
by eilros
Mon Dec 20, 2010 9:27 am
Forum: Personal Investments
Topic: New Doctor - Getting Started?
Replies: 27
Views: 5904

Groundfog, I don't have an umbrella policy … as an intern with relatively low income, few assets, and significantly negative net worth, do you think I should have one at this time? I was planning on waiting until I finished training. You should consider obtaining an umbrella policy, if only for the fact that if you do get sued and lose, your future earnings potential could be brought into consideration of the judgement award. Has no money now, will obtain it at some point in the relatively near future, $$$$. If the cost of policy is low enough, would consider its cost as" peace of mind". Congrats on finishing medical school with such little debt. My wife finished with around $160K and some of her fellow residents had over $250K!!...
by eilros
Sat Dec 04, 2010 6:32 pm
Forum: Personal Consumer Issues
Topic: How Often Do You Change Winter Coats/Jackets?
Replies: 27
Views: 11851

I'm still wearing a Columbia parka that I bought in 1994. I've gone through 3-4 zippers but it still looks pretty good.
by eilros
Sat Jul 10, 2010 5:19 pm
Forum: US Chapters
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 91338

I'm interested. My wife just finished her family medicine residency and will be starting her practice in August.
by eilros
Sat Jul 10, 2010 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: anyone from north dakota - or know of the state bank?
Replies: 11
Views: 1914

Dakotah wrote: So...the economic future for ND seems bright, but will anyone move there to take the jobs? That's the big question...
My wife just finished her residency and we moved back to ND last week.

I don't know much about the Bank of North Dakota other than we owe them around $165K in student loans!
by eilros
Tue Sep 29, 2009 2:42 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Guide to Retirement Planning IS HERE!
Replies: 94
Views: 20440

I just received an email from Amazon stating that my copy shipped today!!!
by eilros
Fri Sep 04, 2009 1:11 pm
Forum: Personal Investments
Topic: Shocking Turn of Events in Quest for Financial Advisor...
Replies: 36
Views: 6474

livesoft wrote:An EJ rep trolled our neighborhood 2 weeks ago and then sent thank-you notes to everyone she talked to.
There was one in our neighborhood a few weeks ago and I chatted with him for a while. I let him know that I was a Boglehead and had everything with Vanguard. He gave me his spiel and some brochures and went on his way. He's been pretty persistent and has called a few times but has been very respectful. I did feel kind of sorry for him though. Going door-to-door in a suit on a 90+ degree day can't be much fun.
by eilros
Tue Aug 26, 2008 11:37 am
Forum: Personal Consumer Issues
Topic: External Hard Drive
Replies: 57
Views: 13098

Can anyone give a suggestion for a good online backup company?
by eilros
Tue Aug 12, 2008 5:33 pm
Forum: Personal Consumer Issues
Topic: Calling all Dress Shirt Freaks
Replies: 107
Views: 42219

joe8d wrote:I find the JC Penny Stafford dress shirts to be very good. The SS version goes for $28 regular, but I always get them on sale.In fact, just bought one 2 weeks ago for $11.20.
When I had a corporate job and wore a suit and tie, I also loved the Stafford stuff.
by eilros
Tue Aug 12, 2008 12:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Olympic Event?
Replies: 82
Views: 15256

The men's gymnastics was awesome last night. Their performance is what the Olympics is all about. It was fun to see how excited they were to win the bronze.
by eilros
Sun Aug 10, 2008 10:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Olympic Event?
Replies: 82
Views: 15256

I like everything but men's basketball.
by eilros
Sun Aug 10, 2008 10:00 pm
Forum: Personal Consumer Issues
Topic: Who loves their job & why?
Replies: 32
Views: 11145

I'm a stay at home dad and I can't think of too many other things I'd rather do. My "boss" is two so some days are more challenging than others.
by eilros
Sun Aug 10, 2008 9:54 pm
Forum: Personal Consumer Issues
Topic: Seeking perspectives of Physicians who retired early.
Replies: 44
Views: 11402

gweinstn, Congrats on your retirement. My wife is only a second year Family Medicine resident and I'm already counting down days until she can retire. :)
by eilros
Sun Aug 03, 2008 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use cash back credit cards?
Replies: 88
Views: 28297

Chase Freedom for most purchases
Discover More for 5% quarterly bonus
by eilros
Fri Jul 11, 2008 9:20 pm
Forum: Personal Consumer Issues
Topic: Lawn Insecticide
Replies: 10
Views: 4253

by eilros
Fri Jul 11, 2008 12:05 pm
Forum: Personal Consumer Issues
Topic: So why did you choose your Avatar?
Replies: 51
Views: 11753

University of North Dakota Fighting Sioux logo
by eilros
Tue Jul 08, 2008 10:18 pm
Forum: Personal Consumer Issues
Topic: Cocktails for the Lounge
Replies: 42
Views: 9696

The Glycol

1 shot Southern Comfort
1 shot Bacardi Rum
1 shot Jim Beam
1 shot lemon juice
2 shots 7-Up
A splash of grenadine to turn it pink
by eilros
Tue Jul 08, 2008 10:15 pm
Forum: Personal Consumer Issues
Topic: The best cities to build wealth
Replies: 80
Views: 19239

you always have to factor in quality of life. many would simply refuse to live in Plano, Texas at any cost, it's such a culturally-deprived location. once you've lived in NY or SoCal, it's torture to have to live almost anywhere else. and people don't just live in NY for opportunity, they live there because it's the greatest city on the planet, and you can experience things that most Americans can't even dream of. sure there are a few good values across the country, but I think this is just another "efficient market". there's a reason why the blue and red states are priced differently. The greatest city to whom? It's near-sighted to assume your locale is the 'best place' to live. Many would argue that the high cost of living, the...
by eilros
Tue Jul 08, 2008 2:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312021

Potty Train Your Child in Just One Day by Teri Crane
by eilros
Tue Jul 08, 2008 2:29 pm
Forum: Personal Consumer Issues
Topic: Civic or Focus For Next Car?
Replies: 57
Views: 14407

I'll throw in another vote for the Civic for many of the reasons already listed.
by eilros
Tue Jul 08, 2008 2:22 pm
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 24078

There's not much I could do but grin and bear it. There isn't a very good public transportation system where I live so I wouldn't be able to cut back on driving at all.
by eilros
Tue Jul 08, 2008 2:16 pm
Forum: Personal Consumer Issues
Topic: The best cities to build wealth
Replies: 80
Views: 19239

Physicians, unlike business or legal professionals, have an interesting quandary with respect to choosing a location in which to practice. For business or legal professionals, your location will play a great role in determining your salary, future earning potential, etc. With medicine, it appears that physicians are actually better off living in a smaller to medium sized city than live in a place like NYC or LA. I've always found it odd that physicians don't appear to be compensated for the higher cost of living like other professionals are. If I were going into medicine, there's no question I'd set up shop in a low cost of living city. I couldn't agree more. It also depends on the specialty. My wife is currently a Family Medicine resident...
by eilros
Sat Jun 28, 2008 4:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312021

I just cracked All About Asset Allocation this morning.
by eilros
Sun Jun 22, 2008 10:13 pm
Forum: Personal Consumer Issues
Topic: Firefox 3 is now available!
Replies: 66
Views: 14958

carolo wrote:I'm loving FF3. Favorite addon is PicLens.
http://www.piclens.com/
Super for flickr, smugmug, picasa webalbums, photos on my wordpress, etc.
Thanks for the heads-up about PicLens. That's an awesome add-on.
by eilros
Sun Jun 22, 2008 5:25 pm
Forum: Personal Consumer Issues
Topic: Firefox 3 is now available!
Replies: 66
Views: 14958

Is anyone else having problems using FF3 to access the ESPN fantasy games? I'm not able to change my fantasy baseball lineups or add and waive players.
by eilros
Thu Jun 19, 2008 12:19 pm
Forum: Investing - Theory, News & General
Topic: Suze not a big fan of indexing, says 'be more active'
Replies: 58
Views: 13069

I always DVR Suze's show so I can watch the Can I Afford It? segment. It amazes me how dumb some people are.

I also really like her The Road to Wealth book. I've found it to be very informative.
by eilros
Wed Jun 18, 2008 4:15 pm
Forum: Personal Consumer Issues
Topic: Firefox 3 is now available!
Replies: 66
Views: 14958

stratton wrote:I'll wait for the second or third round of fixes. Experience says there will be a severe bug fix release in the next two weeks.

Paul
Probably a good idea. I've created three Mozilla Crash Reports so far today.
by eilros
Tue Jun 17, 2008 1:48 pm
Forum: Personal Consumer Issues
Topic: Firefox 3 is now available!
Replies: 66
Views: 14958

I just downloaded it and like the changes.
by eilros
Fri Jun 13, 2008 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Any Amtrak Travelers Here?
Replies: 29
Views: 6689

I've ridden the Empire Builder between Indiana and North Dakota a few times and have really enjoyed it. It's definitely worth the extra money to get the Roomette sleeper if you're going to be on a long trip.
by eilros
Wed Jun 11, 2008 12:06 pm
Forum: Investing - Theory, News & General
Topic: Morningstar has new "The Bogle eBlog"
Replies: 5
Views: 1882

Thanks for the link.
by eilros
Wed Jun 11, 2008 8:25 am
Forum: Personal Investments
Topic: Tobin Smith On Indexing
Replies: 27
Views: 6102

joe8d wrote:Somewhat related Mark Haines,I think that's his name,on CNBC was interveiwing Russ Kinnel from M* the other day. Kinnel stated that TSM was one of his favorite mutual funds because it covered the entire market.Haines reply was "but wouldn't that be overdiversification " :)

Is this the interview you were watching?

http://www.cnbc.com/id/15840232/site/14 ... =762172238
by eilros
Tue Jun 10, 2008 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Win most accurate caller...........
Replies: 6
Views: 1600

4.54
by eilros
Tue Jun 10, 2008 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best car wax and polish
Replies: 38
Views: 9255

I'm a big fan of Klasse All-in-One and Klasse High Gloss Sealant Glaze.

Here is a Klasse application guide:

http://www.superiorcarcare.net/klasse-a ... guide.html
by eilros
Sun Jun 08, 2008 10:02 pm
Forum: Personal Investments
Topic: Some questions on buying a home in this market
Replies: 18
Views: 3492

Dale_G wrote: Rule !: Homeowners/renters are fined $100 per dog bark after 3 barks in one day. Eviction follows if the fines are not paid in cash within 6 hours of the offense.

Dale
:lol: :lol:
by eilros
Sun Jun 08, 2008 9:50 pm
Forum: Investing - Theory, News & General
Topic: Ten years ago
Replies: 16
Views: 4063

Very interesting. Thanks for the links.
by eilros
Sun Jun 08, 2008 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Lawn Mowers
Replies: 46
Views: 12302

Here's a great forum that should help answer your questions:

http://lawnsmarts.com/index.php?sid=31d ... 54cc25971b
by eilros
Wed Jun 04, 2008 10:31 pm
Forum: Personal Investments
Topic: Best place for an emergency fund
Replies: 10
Views: 3993

kenner wrote:Hi eilros,

Would you mind posting the identity of the bank you're referring to. I'd appreciate an opportunity to check it out; it sounds like a great deal.

Thank you.

Ken
Lake City Bank - www.lakecitybank.com


Here's a list of others:

http://bankdeals.blogspot.com/search/la ... 20accounts
by eilros
Wed Jun 04, 2008 12:43 pm
Forum: Personal Investments
Topic: Make a plan and stick with it?
Replies: 27
Views: 6410

Welcome, I appreciate your post because I'm in the same boat .There are so many smart people with great ideas that they so willing share, I often have trouble figuring out which of the wise courses of action is best for me. For example, today I read much of David Swensen's fantastic "Unconventional Success". He is a genius. Before that, I thought Paul Merriman at FundAdvice had it all figured out. Earlier, it seemed that Dr. Steven Evanson (Evanson Asset Management) made perfect sense when he said that simply identifying the "ten major asset classes" and then buying them in equal percentages through DFA was the Answer. In the meantime, I'm sticking with Vanguard's Total Stock Market and Total International. I figure som...
by eilros
Tue Jun 03, 2008 6:49 pm
Forum: Personal Investments
Topic: Best place for an emergency fund
Replies: 10
Views: 3993

My bank offers a Rewards Checking account that pays 6.01% APY on the first $25K. I know that quite a few banks and credit unions have similar accounts.
by eilros
Tue Jun 03, 2008 7:30 am
Forum: Personal Investments
Topic: Emergency Savings at ING, Vanguard MM, Short-Term Bonds?
Replies: 9
Views: 2980

You might want to check with banks in your area to see if any have a Rewards Checking program. My bank offers 6.01% APY on the first $25K.
by eilros
Mon Jun 02, 2008 12:55 pm
Forum: Personal Investments
Topic: Moving assets from T Rowe Price to Vanguard - Portfolio ?
Replies: 25
Views: 5693

Thank you PiperWarrior, YDNAL and Tramper Al for all of the advice and suggestions. Hopefully I've devised a pretty good plan based on your inputs. I opened accounts with Vanguard last Friday and the CSR figured the money would be in the account by the end of this week. The balance of my wife's rollover IRA is $2,500 so it looks like my only option is the STAR fund. _______________________________ Here's my plan right now. I decided to go with YDNAL's suggestion of PTRAX for my bond allocation. His Rollover 58.1% VTSMX - Total Stock Market Index His Roth 24.8% VGTSX - Total International Stock Market Index Her Roth 6.8% VEXMX - Extended Market Index Her Rollover 4% VGSTX - Vanguard STAR Her 403(b) - Will rollover to Vanguard in July 2010 6....
by eilros
Sat May 31, 2008 7:10 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312021

I just finished The Little Book of Common Sense Investing yesterday and am 60 pages into The Bogleheads' Guide to Investing.
by eilros
Thu May 29, 2008 12:11 pm
Forum: Personal Investments
Topic: Portfolio makeover almost complete - some tweaking?
Replies: 5
Views: 1778

What is the advantage of using ETFs instead of mutual funds when setting up a portfolio such as this one?