Search found 228 matches

by SleepKing
Mon Aug 17, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old with 50+ years to invest looking for advice
Replies: 31
Views: 3021

Re: 23 year old with 50+ years to invest looking for advice

If you are 100% sure you won't touch the funds for 50+ years.... go 100% equities. No brainer there. If you are worried that you MIGHT need the funds at some point during those 50 years.....perhaps you should rethink it (or deliberately save in another manner outside your IRA): -Loss of job -Loss of...
by SleepKing
Wed Aug 12, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Pay off Student Loan or Invest in Taxable
Replies: 11
Views: 1168

Re: Pay off Student Loan or Invest in Taxable

It's 8k of debt at low rate. Pay and get it off your books forever; a mental victory! I agree with the other posters, doesn't really matter financially given the terms of that debt.
by SleepKing
Tue Aug 11, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 5817

Re: Anyone not own a Smartphone

I did not get one until my job required it. Now i'm glad I have it. I can stream music in my car. get directions without using my tedious car navigation. text all the time for work and pleasure. if i get overwhelmed i just turn it off. iphone.
by SleepKing
Mon Aug 10, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 171
Views: 20977

Re: Buying a Rolex Watch

windaar wrote:One reason that fine watches will be around for a while is that, besides a wedding ring, the wristwatch is the only piece of jewelry that a gentleman wears.


Very true quote!
by SleepKing
Wed Aug 05, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 171
Views: 20977

Re: Buying a Rolex Watch

I consider myself to know something about watches and agree with the other posters: do not ever view a watch as an investment. In that price range you will be disappointed with your 'returns'. The watches that have appreciation potential are highly limited, highly collectable, and way-way-way out of...
by SleepKing
Sat Aug 01, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3833

Re: real estate in NYC

Yes, the "move from nyc" comments are obvious, but really dont help you. It sounds like you are worried mostly about two things: where the nyc real estate market is going and cost of education/child care. The answer to the first is no one knows. The second is to secure your childrens futur...
by SleepKing
Wed Jul 29, 2015 6:56 am
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 43
Views: 6168

Re: Major home renovation your thoughts

2. Home automation. Doesn't sound like much but I want to open and close my blinds throughout the house without walking around to twenty windows. Other elements of automation haven't been sold to me, I don't know what I would want, technology changes so quickly. We looked into this recently. Got qu...
by SleepKing
Tue Jul 28, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 7231

Re: FWD vs AWD (Vehicle)

I drove a FWD Camry in Juneau AK for 5 years without the slightest problem and Juneau has MUCH worse snow and ice driving than what you describe. I just put on 4 studded snow tires all winter and was good to go. I saw a lot more heavy 4x4 SUVs in the ditches around Juneau than small FWD economy car...
by SleepKing
Tue Jul 21, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Should we use 457?
Replies: 12
Views: 1678

Re: Should we use 457?

There really is no place to put a non-governmental 457b except another non-governmental 457b. It can't go into IRA or into a 401k or 403b. It can't go into a governmental 457b. So the likelihood of moving it is small. This means your employer has to remain solvent not only while you work there, but...
by SleepKing
Mon Jul 20, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is this unethical behavior by employer (job question)
Replies: 14
Views: 2138

Re: Is this unethical behavior by employer (job question)

Does this seem like unethical/outrageous behavior? Based on your statement, I'd say yes to both...but also reinforce it is perfectly legal unless there is specific language in the contract citing notification periods, etc... Personally, if my institution blindsided me/group (we are all employed) at...
by SleepKing
Sun Jul 19, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 3258

Re: Baby on the way - help with term life insurance

We did 30 year term for me and my wife. 1.5 mil me and 750k wife. Did 30yr because it cost use $200 more a year than the 20 year. Plus, we can always cancel policy when we dont need it. We are the youngest and healthiest we ever were yesterday, according to insurance company! Some of my collegues di...
by SleepKing
Sat Jul 18, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 8047

Re: Recommendations for gas grill

Weber +1

We got the genesis/entry level 8 yrs ago and have replaced the cooking surface once and flavorizer bars twice. Great products.
by SleepKing
Sat Jul 18, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Advising father in law on investing
Replies: 7
Views: 1042

Re: Advising father in law on investing

David Jay wrote:One fund: Vanguard Lifestrategy conservative or moderate


+1
by SleepKing
Sat Jul 18, 2015 7:19 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 8468

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Happy wife = happy life. In reality, i agree counseling may be appropriate with wife if you see major disagree job vs. city affecting relationship. Do not underestimate the power of an unbiased 3rd party helping you work through these major, and they are major, life events. Regarding the house, it h...
by SleepKing
Fri Jul 17, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2781

Re: Home landscaping dilemma

Hi Confusedinaz, If you can afford the money and want quality, and you think the bid is legit, I would pay it. +1 If you have the cash, go for it. IMHO, cutting corners on a custom project is a losing proposition; you will lose significant satisfaction while not achieving significant savings. Best, ...
by SleepKing
Fri Jul 17, 2015 7:01 am
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 4527

Re: What to do with bill received for prior homeowner

I thought you generally just put 1st class mail back for your carrier to pick up, with the words "Not at this Address". I toss the junk, but have done that a couple times when 1st class mail, even though it's been over 3 years now. Never really thought about what actually happens to it, b...
by SleepKing
Sun Jul 12, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 2850

Re: House Layout: Where to put Dining Table?

Id hire a professional designer and pay them an hourly rate to help you plan layout, as you are debating purpose of multiple spaces. Well worth the fee to have a trained set of eyes.

Sleepy
by SleepKing
Fri Jul 10, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1772

Re: young docs: 403b conversions and backdoor Roths

zeppcoustic, I will share my experience with you: -upon leaving my fellowship I rolled my 403b into my new employers 403b. Thankfully, I have VTSMX and VBTLX (institutional ratios) in my 403b, as well as the whole line of target date and risk based vnaguard funds. I am glad I moved from TIAA-Cref (w...
by SleepKing
Wed Jun 24, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 15283

Re: MacBook Pro Worth the money?

We just went through the debate of replacing wife's Toshiba laptop with PC vs. Mac. Wife was sick of slow starts and anti-virus software on PC. Also, wanted a 'pretty' computer, more aesthetically pleasing. She does not have need to run powerful statistical programs or PC based applications anymore....
by SleepKing
Thu Jun 18, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 5996

Re: New to Golf

If you are truly picking up a set of clubs for the first time i would recommend like others and buy used from a friend or used at golf store. Personally, i feel the clubs on ebay and craigslist carry a high rate of counterfeit potential. If you wind up liking and picking the game up, you will probab...
by SleepKing
Sat Jun 13, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Office for MAC/iPad/iphone
Replies: 9
Views: 1466

Re: Office for MAC/iPad/iphone

Thanks all for your replies, I've considered and looked into them all. I've tried the Office demos for ipad and they work ok, just seems cumbersome to me with the touch screen keypad compared to keyboard. I'd love to get the university edition, unfortunately I'm not at an academic (.edu) institution...
by SleepKing
Sat Jun 13, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 4128

Re: Which is a best place to start learning yoga?

Judge and say what you want, but I quit lifting heavy weights (squats, deadlifts, bench, etc...) a few years ago and was struggling to find a reasonable fitness program. I tried some pure Yoga DVDs, P9-X, etc... and it wasn't for me. I simply don't have time or schedule to attend regular studio/fitn...
by SleepKing
Thu Jun 11, 2015 4:57 pm
Forum: Personal Consumer Issues
Topic: Office for MAC/iPad/iphone
Replies: 9
Views: 1466

Office for MAC/iPad/iphone

Hello forum, Hoping some of you can provide insight on the following: Currently have iMAC with MS Office '11 installed. Heading to conference where I am expected to work (create word documents, ppt, etc...) for about 2-3 hours after conference per day. I do not have laptop. Only have recent iPad wit...
by SleepKing
Thu Jun 11, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Resident [military physician - Portfolio help]
Replies: 16
Views: 2291

Re: Resident

Dear Sarty24, Tremendous CONGTRATULATIONS on starting your last year. There is light at the end of the tunnel! I think you two are well onto the correct path and are well ahead of the curve on financial planning. Good work. On to your questions: 1. Should I be paying down loans differently? Should I...
by SleepKing
Wed Jun 03, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall for children's college
Replies: 15
Views: 1996

Re: Investing a windfall for children's college

Flynnola, If you have made up your mind about using those funds only for children's education, then that is the first step. There are many rules regarding contributions, roll-over/transfer of 529 beneficiary, and limits on 529 plans. Make sure to fully understand these and the possible scenario's wi...
by SleepKing
Tue Jun 02, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Young doc- students loans vs starting Roth IRA?
Replies: 20
Views: 2264

Re: Young doc- students loans vs starting Roth IRA?

Dochand, Congrats on (almost) being done with training. I agree with a good specialty choice too. In my later years of training I similarly discovered WhiteCoat investor (you know he's on the forum as Emergdoc, right?) and read 4 pillars and bogleheads too. If your rotation is really slow, start on ...
by SleepKing
Sun May 31, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Help getting started growing my nest egg
Replies: 8
Views: 1533

Re: Help getting started growing my nest egg

Dear FItoBFree, Welcome to the forum! Simply excellent work on your savings rate and debt elimination! You and your spouse should be very, very proud of this. As to getting started on investing, aside from the excellent topics and advice on this forum, you should do some selective reading. Might I s...
by SleepKing
Sat May 30, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Seeking ~10 fund recs for taxable account. Low correlation desired.
Replies: 12
Views: 1712

Re: Seeking ~10 fund recs for taxable account. Low correlation desired.

Taximization, I agree with the other Bogleheads on the following points: -Individual stocks across different sectors will give you the most volatility and minimize correlation -Selecting from individual stocks will allow you the ability to select appropriate companies to minimize yield/nonqualified ...
by SleepKing
Mon May 25, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Home Remodel: Lowe's or Other Local Contractors?
Replies: 19
Views: 5215

Re: Home Remodel: Lowe's or Other Local Contractors?

We have used Home Depot for large carpet installs twice. Things went fine, but I'll echo that it is all subs. There is no 'Home Depot' or 'Lowe's' install team and you get whomever they call. I do think you have recourse on workmanship purchased through them, as you can complain and go to a large co...
by SleepKing
Thu May 21, 2015 3:23 pm
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 2430

Re: How 529 college savers invest.

Dear gkaplan,

Money we put in:
50% Vanguard Growth Index Portfolio
50% Vanguard Wellington

Money others give us for kids college/529:
60% Vanguard Moderate Growth Index Portfolio
40% Vanguard Wellington

Our children are less that 5 years old.

Best,
Sleepy
by SleepKing
Thu May 21, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review (28 years old today!)
Replies: 22
Views: 2026

Re: Portfolio Review (28 years old today!)

Dear ajacobs6, Many on the forum might have better input if you post using the typical Boglehead style format. Personally, I would not execute such a portfolio/AA for the following reasons: - Too complex with too many total funds, twenty-three (23) by my count. - Costs could be lower. - Too much wei...
by SleepKing
Tue May 19, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: How do I get best deal on trade in?
Replies: 14
Views: 2524

Re: How do I get best deal on trade in?

What does a leased vehicle have to do with trade-in value? The value is already set unless you're planning on buying it and immediately trading it in because the value is higher than the agree upon price at time of the original lease. Yes, JoeJohnson, This is the first time we've 'traded-in' a leas...
by SleepKing
Tue May 19, 2015 6:24 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 5409

Re: Questioning a Dentist?

Dear Andyrunner, I would do the following: - Ask for a follow up appointment with the dentist in question and ask them to compare current x-rays to your old x-rays to better explain the damage and evidence for the needed procedures. They are a professional and, personally, I feel deserve the right t...
by SleepKing
Sun May 17, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 7244

Re: MDs--Academics or Private Practice?

Academics Pros: better hours in general, start at slightly higher salary, 'more fulfilling' intellectually, potentially more prestigious, opportunities to contribute to education and progression in field, having residents/fellows to ease call burdens Cons: less flexibility, minimal upward progressi...
by SleepKing
Sun May 17, 2015 7:45 am
Forum: Personal Consumer Issues
Topic: How do I get best deal on trade in?
Replies: 14
Views: 2524

Re: How do I get best deal on trade in?

Very timely thread, as we are turning over my wife's lease and purchasing a mini-van. We printed out the kelly blue book value of the vehicle in the 2 most likely 'condition categories' and will take that in to negotiate the terms. Of not, the 'range' of trade in value they give for each condition i...
by SleepKing
Wed May 13, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 113
Views: 17061

Re: Selling home - unexpected competition

Consider raising your price to $839,000. How will that help? Won't it drive every buyer to the cheaper alternative? Cheaper is not always better. You are two blocks apart. You could have 'location' benefits: less road noise/traffic driving by, better views, on a cul de sac, more private lot, etc......
by SleepKing
Wed May 13, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Finally broke up with advisor (who plugged Vanguard)!
Replies: 5
Views: 1878

Finally broke up with advisor (who plugged Vanguard)!

We finally pulled the plug on our 1% AUM financial advisor, along with additional average expense ratio of 1.1%. A tremendous thank your to the forum for discussing so many insightful topics that helped affirm our plan over the past months. Special shout out to EmergDoc, who we started following dur...
by SleepKing
Wed May 13, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 4708

Re: Can a toilet alone in a room be considered a bathroom?

My parents have a similar toilet in the basement and refer to it as 'the basement bathroom', but they it is not an 'offical ' bathroom for real-estate purposes. In regards to listing it and having it reflect positively on the house prices, I'd consult a realtor. Perhaps a plumbing inspection is need...
by SleepKing
Sun May 10, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Selling condo should I replace carpeting?
Replies: 15
Views: 2345

Re: Selling condo should I replace carpeting?

island wrote:Clean it very well and offer a flooring allowance.


+1

Sleepy
by SleepKing
Sat May 09, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Seeking input on vehicle purchase
Replies: 19
Views: 2564

Re: Seeking input on vehicle purchase

Other than improved safety, features that would be appreciated would be: 1) Good performance in snow/ice. 2) Good reliability. 3) Good mileage. (The idea of getting a new vehicle with worse mileage than our 7 year old vehicle seems kind of lame.*) 4) Higher ground clearance than the Fit. (This one ...
by SleepKing
Wed May 06, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Extra cash - what would you do?
Replies: 5
Views: 1124

Re: Extra cash - what would you do?

jimday1982, I really feel all the choices are reasonable and you and family should prioritize and make a decision. BUT, since you asked, here's my take: -You did not mention any emergency savings. I'd get 6 months worth of cash in that before anything else. - Do you know your 'real rate' on the mort...
by SleepKing
Tue May 05, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 3770

Re: Looking to Retire in Cleveland

Don't get me wrong, I understand what you see in Ann Arbor. It's a great town, and I enjoyed the time I spent there. But it's not where I want to retire. Yes! My family was in A2 for 5 years and had a similar experience. While we enjoyed our time and experience there, I 100% agree A2 is definitely ...
by SleepKing
Tue May 05, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 5723

Re: How To Find The Best Doctor

johnep wrote: A good starting point is your primary care physician if you have one. That has usually been successful for me. I agree with your point that nurses are a good choice if you know some. Our community has several lists of top doctors published annually. Most of these lists are supposedly ...
by SleepKing
Wed Apr 29, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: High yield bond funds advice????????
Replies: 18
Views: 2432

Re: High yield bond funds advice????????

Dear NJT, Over the past year I asked myself (and the board) a similar question about High Yield Bond funds while re-designing a Boglehead portfolio. Bonds are for safety. High-Yield bonds act more like risky stocks than good quality bonds. For example, JPMorgans High-Yield Fund (OHYFX) plunged -22% ...
by SleepKing
Sat Apr 25, 2015 7:44 am
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 8524

Re: Best Classical Music Box Sets?

I bought this years ago in college because I wanted music while I studied. Converted them to digital files. Still listen to these weekly, but have vastly expanded my collection since then. Works out to ~$2 per CD and an hour to convert them to your favorite digital file type. Covers all the major co...
by SleepKing
Sat Apr 25, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Car Advice Needed
Replies: 10
Views: 1701

Re: Car Advice Needed

Do you have sufficient $$$ in your bank account to buy another used car right now ? If so, I suggest you pay off the car and drop collision. Paying $1K per year additionally for collision coverage doesn't make sense. Not sure what your liability coverage is - if you only have minimum, please bump i...
by SleepKing
Fri Apr 24, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: 29 y/o Financial Situation/Portfolio Suggestions
Replies: 6
Views: 1326

Re: 29 y/o Financial Situation/Portfolio Suggestions

Is my financial situation for my age ok? I know I don’t make much, but I definitely live within my means and don't consider myself struggling like a lot of my friends, but of course, grass is always greener when I hear about others my age (and younger) making 2x what I do in finance/tech industries...
by SleepKing
Fri Apr 24, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2967

Re: My PC is driving me nuts.

Just wish I could clean up my PC so it would work more efficiently, but don't know how to do that. Seems once the "updates" start rolling in, it's just a matter of time before performance goes to hell. Been there and done that. If all you want is to browse the internet and do simple MS of...
by SleepKing
Fri Apr 24, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 5642

Re: Who still have Cable TV?

I missed watching the Twins, Wild, T-Wolves and NFL games on ESPN and NFL Network. +1 Only reason we do cable is for 'live sports' on local cable sports networks. To me and my family it is worth it. Does anyone have a reliable way to pick up local cable sports networks other than cable/satellite?
by SleepKing
Thu Apr 23, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 9033

Re: Physicians: What's your vacation policy?

We have 10 weeks paid vacation/CME/administrative time. No accrual, no carry over. Use it or lose it. -We average 4-6 24h calls per month -We average 4-6 24h back up calls per month - I am on the cardiac team and either 'double cover' cardiac with primary call or back up call frequently. There are i...