Search found 34 matches

by psychodoc
Sun Aug 04, 2019 11:57 am
Forum: Personal Investments
Topic: Can I keep my DFA funds when I fire my advisor?
Replies: 7
Views: 655

Re: Can I keep my DFA funds when I fire my advisor?

You should still be able to reinvest dividends as well
by psychodoc
Wed Jul 05, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 4850

Re: When Did You Start Investing Your Own Money?

interesting thread and kudos to OP for early start...the answers are a good reminder of Taylor's oft repeated "many roads to dublin" mantra. for me, opened roth ira age 18, but i like to measure it in other ways: -one week after working first night shift out of high school, or -six days after realis...
by psychodoc
Sat Jun 24, 2017 6:26 pm
Forum: Personal Investments
Topic: Howdy! Seeking some [401k] advice please
Replies: 7
Views: 1151

Re: Howdy! Seeking some advice please

welcome, some thoughts: 1. agree with jimb, assuming you can do both max 401k and roth ira every year, then do traditional 401k to the max, unless you are expecting a large pension 2. there is nothing inherently wrong with your fund selections, but not much obvious structure to it either. for instan...
by psychodoc
Sat Mar 18, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 5912

Re: 15% International Small-Cap vs 30% Total International

Yes 50% VSIAX 50% VFSVX My profession disallows me to own brokerage accounts, so I have mutual fund accounts with VG. Once Vanguard rolls out an ISV fund, I will swap out into that. It may be years though. They don't even have a large-cap international value fund that is an index fund (get rid of V...
by psychodoc
Sat Mar 04, 2017 4:59 pm
Forum: Personal Investments
Topic: Making a big bet and borrowing from 401K
Replies: 31
Views: 3921

Re: Making a big bet and borrowing from 401K

the thread title certainly gathered attention: What came to mind for me, in contrast to several divorce-inclined posts, was the movie 'inception.' the last shot suggested a willingness to give up 'all' he could have in the hopes of a 'who' he could spend it with. As others have noted, this probably ...
by psychodoc
Sat Apr 16, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 10659

Re: Postnuptial agreement for Physician

Careful, given your ability to admit being wrong and willingness to loosen narcissism, you will lose credibility by posting that you are a physician!
by psychodoc
Thu Apr 14, 2016 6:26 pm
Forum: Personal Investments
Topic: $30k in cash. What should I do with it?
Replies: 4
Views: 1090

Re: $30k in cash. What should I do with it?

1. Yes

2. Probably not
by psychodoc
Thu Apr 14, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a SS filing no-brainer?
Replies: 11
Views: 1519

Re: Is this a SS filing no-brainer?

definitely not a no-brainer, as your wife's benefit will most likely NOT be be half of your spousal benefit at your age of 70 due to the reduction rules for those that file early. see here: https://www.ssa.gov/oact/quickcalc/spouse.html may still be a good gamble should her longevity be a question m...
by psychodoc
Mon Apr 04, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Non-traditional routes to teacher certification
Replies: 28
Views: 3556

Re: Non-traditional routes to teacher certification

May want to check out troops to teachers program as well, though don't know many specifics
by psychodoc
Sun Mar 27, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: [Recommend book(s) on] Critical thinking, suggestion please?
Replies: 42
Views: 4394

Re: [Recommend book(s) on] Critical thinking, suggestion please?

Sweet Reason: A Field Guide to Modern Logic is another option
by psychodoc
Sat Mar 19, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 16234

Re: Early Retirees - What triggered you to retire?

not yet retired myself.

however, what would trigger me, if i were you, was your post, which clearly demonstrated where you are at (able, but not willing, to retire).

good luck, and congrats on putting yourself in such an enviable position!
by psychodoc
Mon Mar 14, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Audiobooks performed by the author
Replies: 12
Views: 1487

Re: Audiobooks performed by the author

On killing by Dave Grossman
by psychodoc
Tue Mar 01, 2016 10:49 am
Forum: Personal Investments
Topic: In need of advice........please!
Replies: 15
Views: 1650

Re: In need of advice........please!

the only answer to your question anyone will be able to give you is: "I have no idea." but you will get several different suggestions that would help you decide to do with your investments: 1) give more information in your post, such as current streams of passive income, anticipated expenses, and lo...
by psychodoc
Mon Feb 15, 2016 5:25 pm
Forum: Personal Investments
Topic: Portfolio Advice - early 30's couple
Replies: 2
Views: 689

Re: Portfolio Advice - early 30's couple

must be a sleep holiday, but will throw out a few thoughts to your questions: 1) a-don't know how to count it, because it is not clear how it will be 'retrieved' or how flexible it is. for instance, if you can control how much you put in, then you may be able to count it as a flexible portion of a b...
by psychodoc
Tue Jan 26, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 13051

Re: perfectly happy with cable

its not terrible, but: 200/mo (your cable) *12 = $2400 vs. 99/yr (amazon, would buy anyway) + 10 /mo (netflix)*12 + 65/mo (cable internet) *12 + 20/mo (sling tv) *12 + 8/mo (hulu) + many free apps with oddball movies, etc = $1335 miss some sports, but in most areas many are free over the air or incl...
by psychodoc
Tue Jan 19, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do retirees care about their credit score?
Replies: 35
Views: 3534

Re: Do retirees care about their credit score?

Not sure about retirees, but even 20 years away from retirement, I couldn't care less what my credit score is. Don't know how much of an impact it has on insurance rates, but without doing anything that would signal a problem (like late payments, default, etc), I'll bet it would be hard to get a sco...
by psychodoc
Sun Oct 25, 2015 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 33753

Re: Age when you started to max out your retirement accounts?

roth ira since age 18

didn't have access to 401k until age 24, but couldn't max that for another 8 years, now max since 32. spouse with only ira access, however
by psychodoc
Tue Aug 04, 2015 6:54 pm
Forum: Forum Issues and Administration
Topic: [deleted] [SUGGESTION: Include basic stats (age, net worth, asset allocation)... when they post]
Replies: 27
Views: 2606

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

agree with everyone but OP, for 3 concise reasons: 1) privacy. 2) unverifiable. 3) investing expertise is not necessarily tied to those pieces of information. rich elderly people with any particular asset allocation will not tell you if that is right for you, especially as their portfolio gets more ...
by psychodoc
Mon Jul 13, 2015 9:05 pm
Forum: Personal Investments
Topic: Portfolio review---retired one year
Replies: 6
Views: 1659

Re: Portfolio review---retired one year

though i am not experienced at your stage of investing, i will give it a shot given no answers to date: 1. your allocation is feasible for the long term. However, i am assuming without verifying that you are approximately 50:50 with the international percentage as you stated, and that you have the a...
by psychodoc
Sat Jun 20, 2015 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Happy Father's Day
Replies: 6
Views: 1398

Re: Happy Father's Day

1. you usually have a higher earning potential (and less aches and pains) if you work with your mind and not your body

2. make sure that when you buy something, the amount you pay for it does not exceed its value
by psychodoc
Sun Apr 19, 2015 9:16 am
Forum: Personal Investments
Topic: Total Retirement 2045 + Small Cap Value?
Replies: 3
Views: 692

Re: Total Retirement 2045 + Small Cap Value?

welcome first time poster, there is nothing inherently wrong with that. just be sure you know what you are holding and why you are carrying that much tilt domestically. estimating without calculating, if you were 80/20 target retirement/small value, you would have about 8% bonds, 28% foreign stock, ...
by psychodoc
Sun Mar 22, 2015 1:53 pm
Forum: Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 8893

Re: Military TSP and/or IRA?

Yes, for the following reasons: 1) TSP would add up to $18000 of tax advantaged space (more if you deploy to non-taxable zone) 2) access to G fund 3) if you are following 3-fund, the options in the tsp will allow for simplicity across accounts, since C, S, and I match up closely (sans international ...
by psychodoc
Tue Jan 20, 2015 7:50 am
Forum: Personal Investments
Topic: Portfolio review
Replies: 5
Views: 789

Re: Portfolio review

welcome, looks like a great start. -you don't mention access to 401k or equivalent, but would take advantage when/if one is available to you -although somewhat unconventional (most prefer to place all bonds in tax-advantaged), mirroring your tax-sheltered and taxable accounts gives you some withdraw...
by psychodoc
Fri Jan 16, 2015 7:16 am
Forum: Personal Investments
Topic: New investment plan feedback
Replies: 4
Views: 808

Re: New investment plan feedback

Others here are more sage, but without a reply to date, here are some initial thoughts: - Emergency fund is almost assuredly sufficient, but ensuring it is 6 months worth of expenses is more important than the amount. - not sure the reason for that tiny, high rate debt other than potentially revolvi...
by psychodoc
Tue Apr 01, 2014 2:18 pm
Forum: Personal Investments
Topic: Personal Investment Portfolio Review
Replies: 7
Views: 1042

Re: Personal Investment Portfolio Review

Few takers so far, I will give a stab, tho opinions will vary. Answers to your questions: 1. I would pay off the 6.8% loan rather than contribute to roth this year. True, you can never get the roth space back, but your emergency fund is already borderline and your debts seem to have the capacity to ...
by psychodoc
Sat Mar 15, 2014 8:44 pm
Forum: Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 5757

Re: What's a reasonable composite expense ratio?

24.8 bp, though moderately tilted towards small, value, and (for most, anyway) international
by psychodoc
Sun Mar 09, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: games for basement Game Room - suggestions
Replies: 18
Views: 2788

Re: games for basement Game Room - suggestions

Pool table with removable ping pong panels for the top. Room is big enough still for card table and flat screen. 4 yo is a little young for it now, but ur house will be popular in a few years. Lock the liquor tho.
by psychodoc
Tue Feb 25, 2014 4:36 pm
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3089

Re: Six Fund Portfolio

As already mentioned and may be a little light on international (little less than 15% of stocks) as proposed
by psychodoc
Sat Feb 15, 2014 6:00 pm
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 3039

Re: Reasons why you're choosing your tax software this year

taxslayer

free for active duty military (federal and state), easy to use
by psychodoc
Wed Jan 29, 2014 5:03 pm
Forum: Personal Investments
Topic: Vanguard VTI vs VTSAX - why different 5yr returns?
Replies: 25
Views: 5548

Re: Vanguard VTI vs VTSAX - why different 5yr returns?

don't know for sure but could be three factors not considered: 1) not reinvested dividents for vti (suspect this is the case, as that is a mighty round number of shares after being held for 5+ years) 2) one taxable while other is deferred (tho this shouldn't make a difference unless your broker hold...
by psychodoc
Sat Jan 25, 2014 6:51 pm
Forum: US Chapters
Topic: Taylor's 90th Birthday
Replies: 272
Views: 35282

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

happy birthday taylor. posting on the old forum about 15 years ago i got sound, sage, and friendly replies from two people: taylor and mel. i have enjoyed reading their bits ever since, on old forum and new. thanks for your interest in helping others, and here's hoping you get something you want on ...
by psychodoc
Sun Sep 16, 2012 10:15 am
Forum: Investing - Theory, News & General
Topic: Comparison of small-cap value ETFs
Replies: 69
Views: 22007

Re: Comparison of small-cap value ETFs

any thoughts on jkl ?
by psychodoc
Sun Jun 15, 2008 11:53 pm
Forum: Investing - Theory, News & General
Topic: Let's not panic on inflation either
Replies: 23
Views: 4732

yes, but

the total amount of dollars that people can spend does not change that much. for many reasons that i wouldn't dare try explaining the cost of food and energy in this country did not dramatically change from the seventies until now.....what does that mean, the nominal cost of these staples go up, and...
by psychodoc
Fri Jun 13, 2008 1:54 am
Forum: Personal Investments
Topic: 20yr old on active duty requesting portfolio advice
Replies: 24
Views: 4572

consider

couple thoughts, mostly investing related (in addition or ammendment to Emergdoc's) 1) difficult to know now, but IF you think you will be spending a career or at least two terms (8+) in the military, i would consider trying to change the difficulty of managing your porfolio by investing in TSP L204...