Search found 463 matches

by PhysicianOnFIRE
Sun Dec 23, 2018 5:56 pm
Forum: Personal Investments
Topic: Selling fund after dividend date with TLH
Replies: 4
Views: 563

Re: Selling fund after dividend date with TLH

Based on what @mhalley shared, I would definitely get out of that fund even it were slightly positive. It's expensive and clearly tax-inefficient.

:beer
-PoF
by PhysicianOnFIRE
Sun Dec 23, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Does anybody not TLH due to slightly different returns?
Replies: 26
Views: 1206

Re: Does anybody not TLH due to slightly different returns?

That last rhetorical question has a ring of truth to it. Also, you're assuming no state or local income tax. You're also assuming TDG will never be in the 0% capital gains bracket ($78,750 of taxable income MFJ in 2019), will never donate appreciated assets, and will never pass on funds from a taxab...
by PhysicianOnFIRE
Sun Dec 23, 2018 5:49 pm
Forum: Personal Investments
Topic: Fidelity Tax Loss Harvesting Partners
Replies: 5
Views: 654

Re: Fidelity Tax Loss Harvesting Partners

I harvested losses in both today. I used the No Fee ZERO funds that follow proprietary indices by Fidelity. I consider that good enough to not be considered substantially identical FKSAX to FZROX. FTIHX to FZILX. I took screenshots throughout and will be publishing a tutorial on Christmas day. :beer...
by PhysicianOnFIRE
Sat Dec 22, 2018 11:15 pm
Forum: Personal Investments
Topic: Virgin TLH
Replies: 6
Views: 651

Re: Virgin TLH

Good morning, Livesoft-thank you for your prompt response. It sounds like SpecID is not retroactive. Could you please help me understand why you recommend against selling the VFIAX? Am I incorrect in thinking that I could cancel out the gains from that with the losses in VTSAX? Cheers- mc2 Specific...
by PhysicianOnFIRE
Sat Dec 22, 2018 10:46 pm
Forum: Personal Investments
Topic: confirm TLH steps
Replies: 30
Views: 1635

Re: confirm TLH steps

If the market rebounds in the next 30 days, any benefit gained from TLH could be more than offset by the opportunity cost of holding cash for a month. I recommend exchanging into a similar (but not substantially identical) fund immediately, so you don't take a minute out of the market. If you've alr...
by PhysicianOnFIRE
Sat Dec 22, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: TLH for VTIAX - 21K Loss [Tax Loss Harvesting for Vanguard Total Int'l]
Replies: 15
Views: 1286

Re: TLH for VTIAX - 21K Loss

Just to be sure, the tiny fractional dividend on 12/21 corrupts the whole thing and there's no point in trying TLH before the end of the year? Does the 12/21/18 VTIAX dividend count as a replacement purchase within 30 days before and after a sale? It's not a "replacement" in whole, but might be in ...
by PhysicianOnFIRE
Sat Dec 22, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to tax loss harvest?
Replies: 20
Views: 1966

Re: How to tax loss harvest?

I have not seen it mentioned in the article link from Physician on Fire site, but please be aware that IRAs, whether traditional or Roth, should be included when considering tax loss harvesting. Meaning you cannot be selling something in your taxable brokerage account to TLH, but buy the same funds...
by PhysicianOnFIRE
Wed Nov 28, 2018 5:51 pm
Forum: Personal Investments
Topic: Should I Quit Bothering with Backdoor Roth and/or IRA?
Replies: 20
Views: 2892

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

POF had a post about how backdoor Roth was not worth the hassle if you had to jump through some hoops to do it. He discusses how a backdoor saves a tax drag of about .5% on a very small portion of your portfolio. About $50-$100 a year. . If you’re married and doing this with $11,000 per year, the s...
by PhysicianOnFIRE
Mon Nov 19, 2018 5:34 pm
Forum: Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 41
Views: 6545

Re: Am I understanding this right about DAFs? If so...wow

Galaga, Your concept is correct but I'm not sure about your math. Make sure you're calculating your marginal investment tax correctly. You're probably not paying 20% capital gains tax on the entire amount, but you're probably subject to the 3.8% NIIT. Likewise, are you figuring in your state income...
by PhysicianOnFIRE
Tue Oct 30, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Bogleheads: The Physician on Fire website alerted me to this excellent step-by-step guide written by Vanguard about Tax-Loss Harvesting: Tax Loss Harvesting with Vanguard: A Step by Step Guide Best wishes. Taylor Very informative. It follows what I've tried to do. One question: is it truly possible...
by PhysicianOnFIRE
Sun Oct 28, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard thinks I have a wash sale. Do I?
Replies: 42
Views: 6954

Re: Vanguard thinks I have a wash sale. Do I?

I don't see any replacement shares purchased in any 61-day window. I'm guessing it's a computer algorithm that needs some fine-tuning. Your transactions look legit to me -- no wash sale.

:beer
-PoF
by PhysicianOnFIRE
Sun Oct 28, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Bogleheads: The Physician on Fire website alerted me to this excellent step-by-step guide written by Vanguard about Tax-Loss Harvesting: Tax Loss Harvesting with Vanguard: A Step by Step Guide Best wishes. Taylor Very informative. It follows what I've tried to do. One question: is it truly possible...
by PhysicianOnFIRE
Sun Oct 28, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Someone please help me with this. Are these exchanges allowable to trigger TLH (regardless AA): 1. Emerging Market Index -> FTSE All-World ex-US Index Admiral 2. Total International Index -> S&P 500 Index I wanted to exchange #2 to total US Index. But I plan to add more to that fund (Total US Index...
by PhysicianOnFIRE
Sat Oct 27, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Someone please help me with this. Are these exchanges allowable to trigger TLH (regardless AA): 1. Emerging Market Index -> FTSE All-World ex-US Index Admiral 2. Total International Index -> S&P 500 Index I wanted to exchange #2 to total US Index. But I plan to add more to that fund (Total US Index...
by PhysicianOnFIRE
Thu Oct 25, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

I'd like to sell VTIAX in my taxable account. I automatically reinvested dividends for VTIAX in my RothIRA on 9/25. 1) This means the earliest I can sell VTIAX in my taxable for TLH is 10/26, is that right? 2) Do you think VFWAX is "substantially unidentical" enough from VTIAX for TLH? 1) Not exact...
by PhysicianOnFIRE
Wed Oct 24, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 6216

Re: Playing with FIRE(Financial Independence) documentary trailer.

For those of you who don't know me yet, I've been retired from the military for over 16 years and I donate all of my writing revenue to military-friendly charities. FYI - Nords has assisted with, and is listed in, this wiki article: Military finances (Further reading) I can vouch for Nords. A highl...
by PhysicianOnFIRE
Mon Oct 22, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 6216

Re: Playing with FIRE(Financial Independence) documentary trailer.

JoMoney wrote: Mon Oct 22, 2018 2:01 pm I would likely watch, if it was cheap/included on a service I already use. Is it available anywhere? Do we know when/where it will be available?
Probably February, 2019. I'm hoping it will be on Netflix. :beer
by PhysicianOnFIRE
Mon Oct 22, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 6216

Re: Playing with FIRE(Financial Independence) documentary trailer.

I'm excited to see this film and I kicked in $100 to the Kickstarter. I just went to the kickstart page. According to the page they have a goal of $40,000 and have raised over $100,000 - so seems they have enough to do what they need to do. Yeah, I kicked in early on. FIRE gurus need a kickstarter ...
by PhysicianOnFIRE
Mon Oct 22, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 6216

Re: Playing with FIRE(Financial Independence) documentary trailer.

I'm excited to see this film and I kicked in $100 to the Kickstarter. I know a number of the people featured in the trailer, so my opinion is certainly biased. Do I personally expect to learn a lot? No. But I think the movie can reach a new audience that isn't reading blogs, participating in forums,...
by PhysicianOnFIRE
Mon Oct 22, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1857

Re: Sequoia or Land Cruiser

We've been researching large SUVs, wanting something that can pull a travel trailer. We narrowed it down to the Ford Expedition and Nissan Armada. We test drove both the other day and preferred the ride and standard features of the Nissan Armada, which was revamped in 2017 and is now very similar to...
by PhysicianOnFIRE
Sun Oct 21, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thank you for this excellent guide. Two questions: 1) Do online tax preparation sites like TurboTax and TaxAct make recording tax losses, and tax losses rolled over from previous years, easy? 2) You're lowering your cost basis, which means you'll pay more on taxes later on right? This is still a ne...
by PhysicianOnFIRE
Sun Oct 21, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

This thread is now in the wiki: Tax loss harvesting - Bogleheads (External links) PhysicianOnFIRE - Your blog posts only show publication dates on your home page. When I go to the actual blog link, the publication date is missing. Would it be possible to show the publication date (and author) under...
by PhysicianOnFIRE
Sat Oct 20, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thank you for this excellent guide. Two questions: 1) Do online tax preparation sites like TurboTax and TaxAct make recording tax losses, and tax losses rolled over from previous years, easy? 2) You're lowering your cost basis, which means you'll pay more on taxes later on right? This is still a ne...
by PhysicianOnFIRE
Sat Oct 20, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thank you for the feedback, Iceport. I changed 60 days to 61 and added the following paragraph to clarify that the purchase of a similar fund is not required (even if it is recommended). "Note: it is not required that you purchase a similar fund. You can also choose to allow that money to sit out of...
by PhysicianOnFIRE
Sat Oct 20, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 95
Views: 14423

Re: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thank you for sharing, Taylor. I credit the Bogleheads, specifically @livesoft and @emergdoc aka White Coat Investor, for teaching me the power of tax loss harvesting. I didn't have a taxable account in 2008 when huge opportunities were there, but I've found numerous opportunities with the seemingly...
by PhysicianOnFIRE
Sun Oct 14, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 21996

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

These conversations revolve around risk and how willing you are to accept some risk. If you have a very low risk tolerance, shoot for a withdrawal rate of 3% or less and invest more heavily in bonds. If you feel your tolerance for risk is higher, start with a withdrawal rate of 4% or higher and a hi...
by PhysicianOnFIRE
Thu Aug 09, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Regarding FIRE
Replies: 10
Views: 1243

Re: Regarding FIRE

25x spending is just a rough guideline based on the 4% rule. Everyone's situation will be different. You may plan to stay in your house, downsize to a smaller house or move to a lower cost of living area. You could have most of your money at the ready in a taxable account or all of it in a 401(k) wi...
by PhysicianOnFIRE
Wed Aug 08, 2018 8:55 pm
Forum: Personal Investments
Topic: Backdoor Roth or Taxable Accounts
Replies: 25
Views: 2244

Re: Backdoor Roth or Taxable Accounts

Do both. $5,500 each in a backdoor Roth. Use Vanguard. Google " Vanguard backdoor Roth " for step-by-step instructions. Then, start filling a taxable account with any monies left over. No need to wait on the conversion. Congress has blessed the backdoor as legit. I've converted the day after contrib...
by PhysicianOnFIRE
Mon Jul 30, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8645

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Here is a nice excel spreadsheet created by Physician on Fire that will let you know where you stand today. https://www.physicianonfire.com/calculators/ssa/ Does anyone know a way to download SSA's earning history and plug it into this spreadsheet so that 35+ years of data don't need to be retyped?...
by PhysicianOnFIRE
Sun Jul 22, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 44
Views: 7635

Re: Excel worksheet for calculating SS bend points

Alright, you motivated me to update the spreadsheet referenced above for 2018. And for my Boglehead friends, you can download directly without sharing your e-mail address. Click to download the spreadsheet . https://www.physicianonfire.com/wp-content/uploads/2018/07/PoF_SS_Calculator.png Feedback is...
by PhysicianOnFIRE
Sun Jul 22, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 44
Views: 7635

Re: Excel worksheet for calculating SS bend points

I was Googling and found https://www.physicianonfire.com/ssa2017/ I am not keen on signing up, so can I create that worksheet on my own? You can download and immediately unsubscribe as soon as you have the sheet (easiest for me). Alternatively, PM me and I'll send it to you. I plan to update it for...
by PhysicianOnFIRE
Wed Jul 18, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 19026

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...
by PhysicianOnFIRE
Wed Jul 18, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 19026

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets.

:beer
-PoF
by PhysicianOnFIRE
Wed Jun 27, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have any experience doing medical/legal work?
Replies: 2
Views: 397

Re: Does anyone have any experience doing medical/legal work?

I don't have any personal experience in the medicolegal field, but I'm sure you'll find some people in the Physician Side Gigs FB group that do. This topic comes up often there.

:beer
-PoF
by PhysicianOnFIRE
Mon Jun 11, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2408

Re: Pre 65 Retirees - Healthcare

If you're reasonably healthy and willing to live with the required attestation of faith and limitations, health sharing ministries can save you a lot of money. A number of self-employed physicians are using these plans instead of traditional health insurance. Also, catastrophic plans are available w...
by PhysicianOnFIRE
Sat Jun 09, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 5830

Re: $1M Question

Blackjack. Not investing, but it wouldn't take a year. Just a great five minutes (and a casino that would let you bet these amounts). $12k $24k $48k $96k $192k $384k $768k $1,536k If you win seven hands in a row, you're there. Roulette could give you the same outcome. Of course, the odds of winning ...
by PhysicianOnFIRE
Sat Jun 09, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 13043

Re: Why do we work?

The answer obviously depends on what stage you're at in your career in terms of both aspirations and retirement savings. Before financial independence, the answers are as obvious as those stated here in the thread: I'm hungry. I don't like sleeping on cardboard under an overpass, etc... The question...
by PhysicianOnFIRE
Tue May 29, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 35206

Re: The Side Hustle

I prefer the term "side gig." Sounds a little less back-alley. I started a website -- got the idea from reading Mr. Money Mustache and The White Coat Investor. I liked what both were saying, but they were miles apart in message, and I thought I could bridge that gap. With my profits, half goes to ch...
by PhysicianOnFIRE
Sun May 20, 2018 7:27 pm
Forum: Personal Investments
Topic: Young Doctor Couple - Starting Work, Starting to Invest
Replies: 31
Views: 3643

Re: Young Doctor Couple - Starting Work, Starting to Invest

Congratulations on graduating medical school! Bummer about the vesting schedule -- I'm guessing you're planning on extended fellowships if you don't expect to be around for four years, but won't be making attending money for 5-6 years. Or maybe I misread something. I'd still take advantage of as muc...
by PhysicianOnFIRE
Tue May 15, 2018 7:37 pm
Forum: US Chapters
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 16670

Re: Yes, I'm 89 all right! [Jack Bogle]

Great to hear from you, Jack, and here's to 89 more years! Or at least 8 or 9 good years.

Sorry to hear about your recent health issues; may you rise above them as you have before.

:beer
-Physician on FIRE
by PhysicianOnFIRE
Mon May 14, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: FINCON...other Boglehead-Type Groups
Replies: 5
Views: 1248

Re: FINCON...other Boglehead-Type Groups

I attended the first FINCON conference in 2011. There were a couple of hundred of us. The second conference was three times as large. Now it's huge - a couple of thousand attendees I understand. I'll be going to FINCON 2018 this Sept 26-29 in Orlando. Rick Ferri Glad to hear you'll be there, Rick. ...
by PhysicianOnFIRE
Sat Apr 21, 2018 7:32 pm
Forum: Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 1162

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

Thank you. I'd like to make note of this write-up: https://www.physicianonfire.com/tax-loss-harvesting-vanguard/ If I'd only found this as my first learning resource, I'd have saved myself quite a bit of confusion. HIGHLY recommended reading for beginners on the topic. Thanks for the write-up. I ad...
by PhysicianOnFIRE
Sun Apr 08, 2018 1:54 pm
Forum: Personal Investments
Topic: Asset allocation for a resident physician
Replies: 13
Views: 1221

Re: Asset allocation for a resident physician

Taking that feedback into account, how would something like this look? 60% S&P 500 index 20% Vanguard all world index 20% total bond market index I like this better. If I could tweak it, I'd go 40% each S&P 500 and All World or even tilt more to All World. The All World Fund is 52% US stocks and 46...
by PhysicianOnFIRE
Sun Apr 08, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: pay off student loans or wait?
Replies: 10
Views: 1443

Re: Physicians: pay off student loans or wait?

Some key information is missing. What interest rate are you paying? Who currently services your loans? Are you on an income-based repayment plan? Have you refinanced? Most often, loan repayment is just extra income, often given in the form of a loan that is gradually forgiven over time until you owe...
by PhysicianOnFIRE
Fri Mar 16, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 11096

Re: How does everyone here earn so much?

So, are those high salaries abnormal in reality but common here because this is a financial forum that happens to appeal to high earners? Pretty much -- no shortage of doctors, lawyers, and small business owners here. There are also many who haven't had those high salaries, but lived well below the...
by PhysicianOnFIRE
Wed Mar 14, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Selling business (website) considerations
Replies: 27
Views: 3107

Re: Selling business (website) considerations

The White Coat Investor and I attended a lecture at FinCon last year by Dan Green, current CEO of Growella, who sold his blog for 7-figures. The talk was about how to go about it. One of the things we learned, as WCI points out above, is that you're going to have a hard time counting the proceeds as...
by PhysicianOnFIRE
Tue Mar 13, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 400
Views: 87345

Re: Physician Retirement Savings

I stumbled upon this page after doing a search to look at how much I need to retire. Specifically, I seek knowledge from people who have actually retired. As a 44 year old Orthopedic Surgeon with a pretty general practice, I have some knowledge of human capabilities and physical possibilities durin...
by PhysicianOnFIRE
Mon Mar 12, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting interactive guide to early retirement & FI
Replies: 29
Views: 4841

Re: Interesting interactive guide to early retirement & FI

Came accross this link at POF. I'm having trouble parsing this much. What's POF? I am assuming you don't mean the dating app. As a married man who met his wife before internet dating was popular, I was utterly clueless as to the existence of another POF (plenty of fish) when I started using the han...
by PhysicianOnFIRE
Sun Mar 11, 2018 11:02 pm
Forum: Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2592

Re: PedalPub investment

From 5 years ago: According to the city of Minneapolis's Licenses and Consumer Services department, citizens lodged 38 complaints against pedal pubs in 2013, most of which had to do with "the driver's inability to maintain proper control of the passengers at all times while piloting the vehicle." T...