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I have been mostly Bogle-headed since the mid- late 90’s, investing 85-90 % of my equity portfolio in the S&P 500. But, the 10-15% non indexed has...Last edited by Auric goldfinger; 05-14-2022, 11:56 AM.
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CPAs have been invaluable to me over the years, and I’ve usually thought the money was well spent. Exceptions have arisen when their fees either bumped...
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Twenty years hence you may sell for a loss. A big loss. It happens all the time. So what. Start enjoying the house for what it is- a place to raise a...
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I’m 66, just passed my full retirement age 3 months ago. I’m waiting til 70, but it is not clear cut, and likely a mistake for my circumstances. I...
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Fender Telecaster Player series ( had to grow up from my Squier, even though I’m not worthy)
Glock 17 gen 5 ( definitely not what I needed, I’m...
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Premium? Credit rating? New issue? I own 65 muni bonds, ladder 1-12 year. I’m seeing premiums shrink to almost nothing on many of my bonds , which equates...
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I’ve fought the ladder vs bond fund debate for a while now. At this point I’m glad to be all in intermediate ladder with actual bonds.. As my current...
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I’ve had State Farm auto since I started driving at age 16, 66 now. Combine with homeowners and 5 mil. Umbrella. 3 cars all at 300K. Drive safe and...
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Just after I retired, the physician who bought my practice said that he and I were named in a copyright suite based on pictures and verbiage on the practice...
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Bond ladder vs ETF
Here’s one for you bond gurus. I held all of my fixed income in VWIUX for many years before inheriting a laddered bond portfolio from my now deceased...
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$400 a month for services quoted to potentially keep you out of trouble until you are financially literate is cheap. It is not an automatic that joining...
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Vanguard tax efficiency in their total stock shares was in question in the 90s because of capital gains declared that were higher than the S&P 500...
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Affordability shouldn’t force your hand, nor should fear of missing out. I sound like a broken record on this site, but my old bones and experience...
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Skip the private schools and buy the house. 40-60k and non-negotiable? That’s what I paid for Stanford for my oldest son ( who went to public schoo...
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Typically takes a day to clear stock trades, longer with mutual funds. Can buy on margin if you can with brokerage and don’t want to be out of the ...
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Irrelevant in tax deferred. More tax efficient in taxable.
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I’ll tell you what I tell my 29 year old, super- techie wanna complicate/ over analyze son. S&P 500. That’s it. No mas.
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We were convinced that he was the next Andy Roddick, and needed “special “ nurturing for his tennis skills....
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My oldest child went to public schools in Lakeland, Florida ( not the best rated) throughout. Now 29. Almost perfect SATs. Played second position on tennis...
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I prefer my gold crowns. All molars done and proceeding to my incisors. A bit of an image thing for me.
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C’mon guys, I’ve worn Silhouette glasses that weigh like a few grams with progressive lenses for over 20 years. You never know they are on , no slippage....
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We were ripe for a painful correction for sometime now. Geopolitical or inflation triggers are very predictable. Stop watching business news, and certainly...
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I left a multspecialty clinic in Florida in 1999 with a two year , 50 mile as the crow flies non compete. I opened an office in that same city at 1 year,...
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Tech in the SF area is nuts. My oldest (29)was a director level in product development at VISA prior to being recruited for FACEBOOK last month. His VP...
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I second the trip option. When my oldest graduated we went to Amsterdam and then Paris. Many great adventures on the way. Bank the time
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Never bet on implied appreciation with real estate. That 2.5 million dollar mortgage could be for a 1.5 million dollar house in 10 years. Everything is...
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If life were measured by winners alone….Much different investment world than that of early Lynch, Buffett,or for that matter Gabelli, Rainwater, Heine...
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Based on consensus here, I better tell my kid to seek employment elsewhere. Possibly at an NGO...
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So let’s just assume that the previous posts are doctor group think( a category that is notoriously wrong in my opinion and experience). What if Facebook/...
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I sold my 2700 square foot building with all instruments, full OR and recovery room (and established staff) in 2015 for $500,000.(solo plastic surgeon)....
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I went with the Carrier 16 SEER, 3Ton. AC ,Evap coil, thermostat $6335. Installers were backed up by Home Depot referral, which pushed me that direct...
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You gents will be in my backyard. Just went hiking today at McDowell Sonoran. Beautiful, enjoy!
There is an outstanding pub about a half mile from...
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I read it before deleted. Heh, i have a house in Boulder county too. I buy land in Keenesburg, Colorado for the Wild Animal Sanctuary that doesn’t allow...
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You are a good moderator- agree with most of your recs. No criticism meant. ( I’m still suffering ptsd from LadyGeek slapping me down on G….heads)...
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I’m the poster child for what NOT to do if your goal is to avoid taxation beyond the estate tax limit. I just revised my estate documents this month,...
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You are being very kind with this correction. It is basic to understanding even the most bare bones estate plans...
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Watching the implosion of ARK is the plus side of this correction. Her trend line certainly isn’t positive....
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Down a little over 6% off of highs. Almost $3 million. This is a correction that is long overdue and has a long way to go. Tune out the news, stop doing...
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We need to have an old guys Tesla race. Drag strip, pink slips, just like the old days...
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Gosh you are absolutely correct! Based on your user name I should really be asking this on a dental site.
Thanks to the rest of you for great a...
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Which Airconditioner?
We need to replace the A.C.for our Colorado home before the summer starts. Narrowed it down to two reputable installers with good reps:
Carrier...
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Advantage plans amount to the ultimate HMO. No physician or hospital locally eligible for me. Nearest hospital in Denver. Good luck if you travel or...
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My current $9500+ that I pay for Medicare this year is still less than the $11000+ that I paid for my private BCBS when I was 64. My point with this post...
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My thoughts on tramadol extend to my labradoodle. After liver biopsy via an 8 inch lap incision!!, the vet prescribed only tramadol. That night, I slept...
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So, in 30 years of plastics, I performed just short of 2000 abdominoplasties. It’s a spectacular procedure for those massive weight loss, especially...
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I buy acres for the Wild Animal Sanctuary in Colorado each year and auto adopt animals incoming. Nature conservancy likewise for pledged land purchase....Last edited by Auric goldfinger; 01-08-2022, 11:25 AM.
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I did this at Bogleheads a few years ago ( before I was banned), so I just reviewed last year and currently:
1984 $11000 ( junior surgery resident,...
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Way too much pressure to win the race of the retirees. Stop and smell the roses,watch the hummingbirds, walk the dogs, talk to the dogs, give to charity,...
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The self-identity and tangentially self importance issues that are bandied about here as rationale to keep working have made me think. In my retirement...
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Cost of Medicare
Since I’ve seen multiple posts about social security recently, along with lots of misconceptions, I thought that I’d add Medicare to the confusion....
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I went through my entire career with all taxable in my wife’s name. Other than my IRA, she owned everything- even my medical building. Mostly a byproduct...
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I bought my first 10 K in 1993 when it opened down the street. I ain’t no genius, just lucky and like tools. Made up for the Enron, which I purchased...
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70 is the maximum age. Zero reason to defer beyond. I’m 66/2 months this week, which is my full retirement, but will defer until 70. I have analyzed...
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I’m just struggling with a motivation to buy international because of a decade of underperformance and current multiples vs S&P. Schwab gurus are...
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I own Sony shares outside of an ETF, and have owned various individual positions over the decades. I just looked up Sony and they are qualified.
...Last edited by Auric goldfinger; 12-20-2021, 01:22 PM.
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International ETF pays ordinary dividends
I own a small position in VEA in a taxable account. This is a Vanguard developed international ex. USA. I’ve gotten one 1099 and 4 quarters of dividends,all...
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Time and compounding are incredible antidotes to even the stupidest of mistakes.
I lost over 100K in investments in my first 2 years of practice...
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The best laid plans…
I’m 6 years done, nearly 7. Fascinating how many of my own plans, and those of fellow retired MDs change once actually...
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Lady Geek it was!
Permanent lifetime ban. And yes it had to do with health policy....
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Odd job sadly passed. He fights 007 in the heavens...
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Banned from Bogleheads
Just got an announcement that I’m banned from Bogleheads! Got into a p.. ing match with a moderator. Didn’t realize I was such BAAD man.
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The previous moderator has expressed perhaps the wisest advice/ interpretation that I have read on these forums. Commandant number 1
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Never apologize for a late start. It’s more about making the right moves and avoiding big mistakes for you going forward. I didn’t start practice...
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Thanks to all responses. Great advice for the most difficult family problem that we have...
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SSRIs, Wellbutrin with no improvement. BUT compliance is an issue. Appreciate the ketamine advice. Seems like those that offer it in house push it. He’s...
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TMS or Ketamine?
Questions for my psych friends.
My 26 y.o. With long-standing OCD, borderline personality.Now severe depression. Non-compliant with drugs secondary...
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i didn’t realize that Ferri was that conservative. I spoke with him about 6 months ago, but I didn’t follow through with his portfolio analysis- I...
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S&P 500 generates about 40% of profits outside of the U.S. The tandem movements of Internationals (lagging) has been obvious for decades. If you want...
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My 28 year old was a director in product development at VISA until next month when he starts at FB. The salaries/ bonuses/ stock are absurd. Apparently...
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That’s a terrible Tampa story. Florida is a combination of bad drivers and aggressive cyclists. I road biked with a group of 7 guys in the Tampa area....
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We live in Boulder for part of the year, so i wanted to get a versatile, snow rated tire. Since Colorado is snowless thus far, i have no experience. i...Last edited by Auric goldfinger; 11-27-2021, 10:10 PM.
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Tires are an ongoing issue for any Tesla owner. The weight of the cars and the extreme acceleration eat up tires. I’ve got a 2018 model S, 100D. I got...
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I have a Tesla model S, 100D. Also Honda Odyssey, Honda CRV. The Tesla is good in snow, but not adequate clearance if it became really nasty. Also range...
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Battery degradation is much closer to 1%|year. My 3 year old 100S started with 335 mile range. Now 328-29....
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Ive thought about your post a bit, and there are a few other issues. Im a father to 2 boys that are borderline personalities with OCD and depression....
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Start by taking insurance and get a billing consultant/ collector. You’re an unknown / unproven/ non- referred specialist. Why would I, as a potential...
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If hiking boots count, then $4-500/ year. New high or low I hikers every 6 months, 1-2 t-shirts and maybe 1 pants. All REI
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I’ve run the numbers on Roth conversions for my IRAs. To do any meaningful conversion, there would be a mid seven figure tax hit. I’m currently at...Last edited by Auric goldfinger; 11-20-2021, 11:41 AM.
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1% in todays world is usurious. Contact Rick Ferri or someone similar. Full plan for about $1K, revisit for about $400/hour. There is no room for 1% anywhere...
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RMDs are a bit of a curse as you get closer and closer. Now retired, I’m in the 15% marginal, but 7% effective rate because of my combined qualified...
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I quit 6 years ago at 59. Surgeon for almost 30 years. Aside from having sufficient $, a big issue is for me was cognitive decline. It takes soul searching...
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