Search found 711 matches

by Xrayman69
Sat Apr 03, 2021 11:33 am
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12439

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

Purchase equities and bond funds at the beginning of each month, on the last day of each trading week and for the 529 plan on the 15th of every month based upon AA. DLC is my comfort level to minimize temptation to “time”. We don’t time the market by pulling into cash or getting “more conservative” ...
by Xrayman69
Mon Mar 29, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2307

Re: What to do with 20 year old Bosch Dishwasher

inbox788 wrote: Mon Mar 29, 2021 1:17 pm The only maintenance I might do is what I do with the washing machine. Occasionally run a cleaning cycle with bleach or vinegar.
Where do you put and how much bleach or vinegar during this cleaning cycle?
by Xrayman69
Sun Mar 28, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 2.5 mil house with 5 mil net worth, too much?
Replies: 74
Views: 8464

Re: 2.5 mil house with 5 mil net worth, too much?

Need some more clarification: 1. 2 kids to enter collgee. In 4 years or 10 years? 2. Is this where you and spouse p,an to live without the kids, Ie forever home? Our home value is probably similar to what you are looking at now. We purchased our “dream and forever home” in our late 30s, during the d...
by Xrayman69
Sat Mar 27, 2021 12:32 pm
Forum: Personal Investments
Topic: What is the best bond fund in taxable account for someone in 24% tax bracket?
Replies: 38
Views: 3891

Re: What is the best bond fund in taxable account for someone in 24% tax bracket?

When changing or selling bond funds, does the dividend or interest get a prorated payout on date of sale or will it be forgone?
by Xrayman69
Mon Mar 22, 2021 6:03 pm
Forum: Investing - Theory, News & General
Topic: BRK B shares, good for taxable account after taking an RMD and not needing the money for expenses?
Replies: 16
Views: 1801

Re: BRK B shares, good for taxable account after taking an RMD and not needing the money for expenses?

it may prove useful to think in terms of tax saving per 100k: 1. At 1.5% dividend and assuming a 24% federal tax rate your dividend tax bill with total stock market will be $360. 2. Are you willing to chance BRK future performance will cover the $360 drag of the total market? Maybe it actually does...
by Xrayman69
Sun Mar 21, 2021 6:18 pm
Forum: Personal Investments
Topic: TLH and bond fund
Replies: 4
Views: 497

Re: TLH and bond fund

Just use the other general intermediate-term bond index fund that Vanguard has. :) But one might also ask: What's a bond fund like this doing in your taxable account in the first place? :twisted: This resource is/was used for placement of funds directed for large purchase items such as car, home re...
by Xrayman69
Sat Mar 20, 2021 7:40 pm
Forum: Personal Investments
Topic: TLH and bond fund
Replies: 4
Views: 497

TLH and bond fund

Any good bond fund to jump into for potential TLH opportunity to pair with VBTLX (vanguard total bond market index admiral shares) with a vanguard account ?
by Xrayman69
Sat Mar 20, 2021 9:50 am
Forum: Personal Investments
Topic: Fisher is Contacting Me?
Replies: 24
Views: 2321

Re: Fisher is Contacting Me?

Ken Fisher's net worth is 5.5B. Wonder why?? High AUM fees? :twisted: “We do better when you do better”. 😂 They don’t tell you is that - you are fine without them taking a cut of your investment gains. What happens when the market is lower, the certainly will still charge a fee and thus continue to...
by Xrayman69
Tue Mar 16, 2021 3:42 pm
Forum: Personal Investments
Topic: How much do you weigh your homes value in your retirement portfolio?
Replies: 106
Views: 8326

Re: How much do you weigh your homes value in your retirement portfolio?

Don’t count or consider part of retirement. Must have a place to shelter. If not this home then would need something else. No intention or desire to downsize as lot location is desirable and would be a large tax hit if sold due to appreciation. Will be part of our estate planning for the kid and hop...
by Xrayman69
Tue Mar 16, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: High earners, about how much tax do you pay?
Replies: 79
Views: 9353

Re: High earners, about how much tax do you pay?

Typically 24-27% effective tax rate regardless of administrations over the past 4 presidents. AMT kicks in as a W2 comp and thus the floor for effective rate. Minimal capital gains as we don’t typically sell shares in taxable accounts (except for TLH) and dividends or interest is about 10K added per...
by Xrayman69
Sun Mar 14, 2021 12:53 pm
Forum: Personal Investments
Topic: Why Bonds
Replies: 44
Views: 3190

Re: Why Bonds

I’m invested in VG bond fund(s) as part of my AA. Does it matter in the long view, let’s say 10-15 years, if the NAV on any given day or month decreases in reaction to bond yields. If NAV goes down in reaction to rising rates, do I not benefit from the higher yield when it makes the interest payment...
by Xrayman69
Sun Mar 07, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Coast to retirement jobs late 40s medicine
Replies: 37
Views: 4106

Re: Coast to retirement jobs late 40s medicine

If your specialty and health care system truly is understaffed in your area, then going part time and pro-rated compensation should be feasible. Your part time such as 70-80% effort is as productive as someone new at 100% effort due to your institutional experience. New providers and the on boarding...
by Xrayman69
Fri Mar 05, 2021 8:29 pm
Forum: Personal Investments
Topic: Selling Property, $600-750k Capital Gain, tax help?
Replies: 19
Views: 2380

Re: Selling Property, $600-750k Capital Gain, tax help?

Live in it for 2 years then sell as a primary home.
by Xrayman69
Tue Mar 02, 2021 4:37 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi TV - complexity and savings
Replies: 65
Views: 5413

Re: Wi-Fi TV - complexity and savings

We have century link cable in our seattle home. The “box” is not hard wired but receives signal by wifi. 4 TVs have “box’s” and work seamlessly. The wifi speeds in home is at least 100Mbps. The smart TVs have apps that can connect via wifi (YouTube, prime, Netflix, Disney +, HBO max .....) also sea...
by Xrayman69
Sun Feb 28, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Soon to be attending physician
Replies: 28
Views: 3685

Re: Soon to be attending physician

Don't pass up tax deferred space but then everything else should be going toward debt. Can buy new car when all debt gone, you are saving 20% for retirement and can pay cash. Live like a resident this year and next then I bet you'll be able to loosen up. +1 This. Once this opportunity passes it’s g...
by Xrayman69
Tue Feb 16, 2021 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Retire now (45 yrs old) or keep working for the kids?
Replies: 67
Views: 5863

Re: Retire now (45 yrs old) or keep working for the kids?

OP, develop a glide path to “retirement”. I no longer “work a full time” schedule. It’s probably 70-80% of full time. The pandemic era evolution has been fully embraced. 70-80% compensation remains more than enough and work life balance has been very satisfying. There are periods where I will be “wo...
by Xrayman69
Sun Feb 07, 2021 4:31 pm
Forum: Personal Investments
Topic: Should I invest in 401k with no employer match?
Replies: 36
Views: 2106

Re: Should I invest in 401k with no employer match?

Probably a stupid question but I just want to ask - who knows what my life would be like by the time I am 60 yo. Maybe, I'm even dead. Isn't your 20s and 30s the best time to "enjoy your life". What good it would be to keep on saving money for the future? The greatest risk is NOT having e...
by Xrayman69
Sun Feb 07, 2021 10:45 am
Forum: Personal Investments
Topic: Should I invest in 401k with no employer match?
Replies: 36
Views: 2106

Re: Should I invest in 401k with no employer match?

OP, I would say yes and use the 401K regardless of company match. The federal and state government will give you an instant 20-37% up front “match”. In addition it can be used as a diversification account to compliment your taxable accounts. You can rebalance your overall collective accounts within ...
by Xrayman69
Sun Feb 07, 2021 10:30 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9562

Re: Cash vs. Credit

I remember when vendors (specifically gas stations) charged 2-3% more when paying with CC or stores and restaurants charging an extra amount if spending less than a certain amount. This practices seems to have completely gone away. I can only assume that the inflation price for the incorporation tha...
by Xrayman69
Sat Feb 06, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9562

Re: Cash vs. Credit

Cash to pay for recurring home service assistants, hair dresser and tipping.
by Xrayman69
Sat Feb 06, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5470

Re: What's your Yearly Costco Spend?

Approximately 500/month therefore 6K for routine recurring purchases and fill gas tank x 2 once per month


This does not include one off large item purchases (computer, TVs etc.) or seasonal stuff (Xmas decorations, summer deck a d pool furniture)
by Xrayman69
Fri Jan 29, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: 9 Investors Make 16B on GameStop Squeeze
Replies: 7
Views: 1745

Re: 9 Investors Make 16B on GameStop Squeeze

I believe that large institutional firms like VG, Blackrock, fidelity etc that hold stocks in their portfolios such as game-stop are able to make money as the middle man. When investors are playing shorts they “borrow” the stock from firms willing and able to loan the stock for a specified duration ...
by Xrayman69
Wed Jan 20, 2021 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I paydown 1% interest family loan?
Replies: 39
Views: 2064

Re: Should I paydown 1% interest family loan?

It's family. If you have the means, pay the loan off. This shouldn't be a decision about maximizing your returns. +1 You may also want to get enough life insurance so it can be paid off if something happens to you. +1000. I consider the family loan to be the highest priority from a personal standpo...
by Xrayman69
Sun Jan 17, 2021 3:26 pm
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3196

Re: Universal theme parks Orlando: premium experience

Thegame14 wrote: Sun Jan 17, 2021 1:10 pm
Xrayman69 wrote: Sat Jan 16, 2021 12:11 pm Family Considering going to Orlando in mid February and/or mid April (midwinter break and spring break for the kid’s school schedule). Kid interested in the Harry Potter experiences at both of the universal studio theme parks.
February or April 2022? 2023?
2022
by Xrayman69
Sun Jan 17, 2021 11:11 am
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3196

Re: Universal theme parks Orlando: premium experience

Get a guide for the day. 10 person limit and it was like $2k for the day. They know where everything is and escort you around the park, let you skip all the lines and kids can ride the same ride over and over. Not cheap, but you can cram 4 days of park time into a single day. It will be our family ...
by Xrayman69
Sun Jan 17, 2021 10:53 am
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3196

Re: Universal theme parks Orlando: premium experience

Family Considering going to Orlando in mid February and/or mid April (midwinter break and spring break for the kid’s school schedule). Kid interested in the Harry Potter experiences at both of the universal studio theme parks. Any suggestions on premium experiences. Time and experience higher prior...
by Xrayman69
Sat Jan 16, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3196

Re: Universal theme parks Orlando: premium experience

saw above poster linked you to Uni offerings. All the parks have versions of VIP tours - personal tours with a guide that give you front of line access and allow you to shape the day however you want, go on whatever attractions you choose, etc. Don't forget to factor in a 10-20% tip for the guide, ...
by Xrayman69
Sat Jan 16, 2021 12:11 pm
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3196

Universal theme parks Orlando: premium experience

Family Considering going to Orlando in mid February and/or mid April (midwinter break and spring break for the kid’s school schedule). Kid interested in the Harry Potter experiences at both of the universal studio theme parks. Any suggestions on premium experiences. Time and experience higher priori...
by Xrayman69
Fri Jan 15, 2021 10:19 am
Forum: Personal Finance (Not Investing)
Topic: 529 annual withdrawal for private school tuition
Replies: 5
Views: 648

Re: 529 annual withdrawal for private school tuition

Does that apply for the entire year? Could make another tuition payment in spring or early summer? Yes, you could make another tuition payment later this year to match up with the 529 distribution taken in January 2021. Does the withdrawal have to occur only after the tuition payment in the same ca...
by Xrayman69
Thu Jan 14, 2021 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: 529 annual withdrawal for private school tuition
Replies: 5
Views: 648

Re: 529 annual withdrawal for private school tuition

I believe you have to make withdrawals from your 529 in the same calendar year as you incur the corresponding expenses. So if you paid tuition in 2020, you cannot get reimbursed for that from your 529 in 2021 without paying taxes+penalties. Does that apply for the entire year? Could make another tu...
by Xrayman69
Wed Jan 13, 2021 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: 529 annual withdrawal for private school tuition
Replies: 5
Views: 648

529 annual withdrawal for private school tuition

The limits for private elementary school tuition is 10K annually. If tuition payment is made in December 2020 and request is made for reimbursement from 529 is made in January2021 does the 10K limit count for 2020 and thus an additional 10K remains eligible for 2021 or does is count for the 2021 lim...
by Xrayman69
Wed Jan 13, 2021 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29053

Re: Got a job offer for $840k/yr. Should I come out of retirement?

Respectfully decline the opportunity and express gratitude for their interest. It’s just not enough to make a difference and it’s not life changing, decline not only the offer but the job outright. You don’t enjoy it. Even at 1M a year decline. If someone else offered you 1M to get a root canal 5 da...
by Xrayman69
Tue Jan 12, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39307

Re: What kind of car do Bogleheads like to drive?

2011 sedan maybe 5K driven a year (bought new). No intention of getting rid of this car. Kept in winter home. 2016 German SUV bought new. 10K driven a year, kid to school, kid to activities, family car. 2016 German sports car bought new. 5K driven a year. My garage toy. Wash, wax, drive for the week...
by Xrayman69
Tue Jan 12, 2021 5:08 pm
Forum: Personal Investments
Topic: When to transition away from Target Date fund
Replies: 35
Views: 4271

Re: When to transition away from Target Date fund

1st time posting. 43 years old. Portfolio finally reached a million. Everything is in tax sheltered within a Fidelity target date index fund. Should I now transition to a 3 fund to save on costs or stick with what has worked. I like the idea of not worrying about rebalancing or the temptation to ma...
by Xrayman69
Sun Jan 10, 2021 10:19 am
Forum: Investing - Theory, News & General
Topic: If a stock doesn't pay dividends and never splits, can it compound?
Replies: 56
Views: 3116

Re: If a stock doesn't pay dividends and never splits, can it compound?

Compound interest (known mathematical guaranteed rate of growth) and increased stock price (variable factors that contribute and not guaranteed ) are both PASSIVE means for increasing wealth.
by Xrayman69
Sat Jan 09, 2021 11:09 pm
Forum: Investing - Theory, News & General
Topic: If a stock doesn't pay dividends and never splits, can it compound?
Replies: 56
Views: 3116

Re: If a stock doesn't pay dividends and never splits, can it compound?

Capital appreciation in the price of the stock. Ie BRK-A (Berkshire) Could you explain a bit more in depth? Berkshire Hathaway stock never split or paid a dividend. The stock price just kept going up. Current price is $352,039. Sure, but ultimately if you bought the stock at $1000 dollars a share a...
by Xrayman69
Sat Jan 09, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: If a stock doesn't pay dividends and never splits, can it compound?
Replies: 56
Views: 3116

Re: If a stock doesn't pay dividends and never splits, can it compound?

Capital appreciation in the price of the stock. Ie BRK-A (Berkshire)
by Xrayman69
Sun Jan 03, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Thoughts on iPhone 12? (replacing iPhone 6)
Replies: 62
Views: 4890

Re: Thoughts on iPhone 12? (replacing iPhone 6)

OP, if you don’t need the highest end apple camera as part of your phone then could consider a prior model than iPhone12. Just upgraded to iphone12 Pro for myself and DW from (8S and XS) respectively. Gave the kid the XS (from prior iPhone8). My experience as noted is that the 12pro has no functiona...
by Xrayman69
Fri Jan 01, 2021 7:12 pm
Forum: Personal Investments
Topic: Stocks or bonds in Roth account?
Replies: 26
Views: 1082

Re: Stocks or bonds in Roth account?

My preference 100% equities in ROTh as the increased basis will not be taxed when withdrawing In my pre-tax Accounts bonds to the extent whatever makes up my AA. The rest is equities. When withdrawing from pre-tax accounts in the future the increases will be taxed as income ( highest tax rate) Taxab...
by Xrayman69
Fri Jan 01, 2021 6:37 pm
Forum: Investing - Theory, News & General
Topic: Official Registration For The 2021 Boglehead Contest
Replies: 638
Views: 15538

Re: Official Registration For The 2021 Boglehead Contest

3542 is my guess.

The market may be looking that 2022 does not have as good of an outlook and thus pulls back in late part of the year (October or November).
by Xrayman69
Mon Dec 28, 2020 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Physician: Take partnership vs relocate?
Replies: 21
Views: 2543

Re: Physician: Take partnership vs relocate?

OP clearly has been pondering this situation for some time. Someone up post mentions OP describes what they don’t like but limited description of what they want SPECIFICALLY. OP, Stop think about your DREAM situation then use this as the ideal. You will not likely be able to get everything on the id...
by Xrayman69
Mon Dec 28, 2020 12:14 am
Forum: Non-US Investing
Topic: I want 15% yearly ROI. How to go about it? [Croatia]
Replies: 135
Views: 10852

Re: I want 15% yearly ROI. How to go about it?

15% average Yearly ROI is not impossible but rather an outlier. To the OP, I have no solid real idea or knowledge to provide you as an investor to achieve this goal. It is a goal, but to achieve this over an extended period of time (let’s say 30 years) would be a historical outlier. A few have done ...
by Xrayman69
Sat Dec 26, 2020 5:26 pm
Forum: Personal Investments
Topic: 400K CD maturing within weeks, how to invest it?
Replies: 43
Views: 5141

Re: 400K CD maturing within weeks, how to invest it?

All into VBLTX (vanguard total bond fund) then subsequently convert a certain % into total stock or S&P equivalent based upon a investment plan.
by Xrayman69
Sat Dec 26, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Alaska Flight costs (maybe flights generally)
Replies: 27
Views: 2348

Re: Alaska Flight costs (maybe flights generally)

The major airlines flight schedules are likely only placeholders this far out. The major carriers currently likely only have solid flight schedules out 2-3 months. As result those placeholders are listed at premium prices. Unfortunately solidifying flights this far our would be unreliable and potent...
by Xrayman69
Thu Dec 24, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Best way to watch football playoffs
Replies: 8
Views: 721

Re: Best way to watch football playoffs

Another option would be sling for $30 combined with OTA or, if you're in a service area, Locast for $5 donation Unfortunately I don't have good OTA reception or Locast in my area. You should be able to stream some of the NFL playoff games for free on the NFL app. Thanks, looks like all the NFL play...
by Xrayman69
Tue Dec 22, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Craiglist post response
Replies: 60
Views: 4254

Re: Craiglist post response

I got one like this before - I knew it was a scam from day 1; however, a few days after I sold the car, I get a cashier's check in the mail from the scammer saying that he'd be at my house that day to pick up the car. My heart nearly fell out of my chest. The cashier's check was perfectly done ----...
by Xrayman69
Tue Dec 22, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Craiglist post response
Replies: 60
Views: 4254

Re: Craiglist post response

We know it's a scam, but there's no reason to not have some fun. Your response: Make up things for every question. The scammer will FedEx you a cashier's check. Maybe tell them to make the check out for $900,000,000.26 It cost him money to FedEx it. He'll blow up your email when he gets a delivery ...
by Xrayman69
Tue Dec 22, 2020 8:00 pm
Forum: Personal Investments
Topic: Should my child keep leftover 529 funds for investment?
Replies: 24
Views: 1556

Re: Should my child keep leftover 529 funds for investment?

My five year old daughter will most likely have in excess of $500,000 in 529 funds to work with by the time that she is 18. Someday I do not want her to view that money as merely being a ticket to go to a high priced status school to get a superfulous degree of some kind. I want her to be value con...
by Xrayman69
Sun Dec 20, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Time vs Money, Is it worth the extra effort?
Replies: 15
Views: 1936

Re: Time vs Money, Is it worth the extra effort?

Your health will take a toll is a critical statement. You ostensibly make more money with locums as this is only cash compensation without the need for benefits and retirement contribution as does your main job. I would not risk my main job and my reputation by not being as available or present and ...
by Xrayman69
Sat Dec 19, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi TV - complexity and savings
Replies: 65
Views: 5413

Re: Wi-Fi TV - complexity and savings

We have century link cable in our seattle home. The “box” is not hard wired but receives signal by wifi. 4 TVs have “box’s” and work seamlessly. The wifi speeds in home is at least 100Mbps. The smart TVs have apps that can connect via wifi (YouTube, prime, Netflix, Disney +, HBO max .....) also seam...