Search found 886 matches

by avenger
Sun Jan 10, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Physician Nonclinical Career Question
Replies: 3
Views: 600

Re: Second Career Question re: Medical Director Appeals

I’m also curious to read replies in this thread...
by avenger
Fri Jan 08, 2021 6:05 am
Forum: Personal Investments
Topic: 401k stable value fund yielding 2%, is that realistic?
Replies: 11
Views: 1073

Re: 401k stable value fund yielding 2%, is that realistic?

Seems about right. Just checked my yield for the new quarter: 2.61%.
The entirety of my governmental 457 is in this stable value fund (~$260k).
by avenger
Sat Jan 02, 2021 9:21 am
Forum: Investing - Theory, News & General
Topic: New Years Financial Resolutions
Replies: 54
Views: 4195

Re: New Years Financial Resolutions

Continue living without a budget and putting away whatever else remains. Spending more on travel this year as we didn’t travel as much last year.

Same thing I’ve been doing for the last nearly 10 years.
by avenger
Thu Dec 31, 2020 6:12 am
Forum: Forum Issues and Administration
Topic: Auto saving drafts
Replies: 7
Views: 482

Re: Auto saving drafts

Some choose to write their post in another program such as word, notes. Then copy and paste the post into the browser.
by avenger
Mon Dec 28, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning and discarding tax documents
Replies: 15
Views: 1217

Re: Scanning and discarding tax documents

I went completely paperless about 6 years ago. No paper in my house.
by avenger
Wed Dec 23, 2020 5:34 am
Forum: Investing - Theory, News & General
Topic: 70/30 - 60/40 AA in accumulation stage
Replies: 41
Views: 3703

Re: 70/30 - 60/40 AA in accumulation stage

I’m 40. I’m currently 70/30. Planning early retirement in 10 years. Trying to decide if I should continue my glide path to 60/40 (1% per year) which was always the plan. I’m rethinking that plan, wanting to stay more aggressive. But that might be me being more greedy given equity valuations as of la...
by avenger
Sun Dec 20, 2020 10:27 am
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 79
Views: 6128

Re: Where are you storing your emergency fund money?

No emergency savings per se.
I have a 70/30 portfolio with a large component in non-retirement accounts.
My entire portfolio is my emergency fund.
I keep a couple months expenses in a checking account though.
by avenger
Sat Dec 19, 2020 7:28 am
Forum: Personal Investments
Topic: did you rebalance portfolio in the past month?
Replies: 48
Views: 2824

Re: did you rebalance portfolio in the past month?

I have been buying bonds in taxable every paycheck and my entire 457 contribution has been going to the stable value fund.
by avenger
Fri Dec 18, 2020 6:22 am
Forum: Investing - Theory, News & General
Topic: [Maxing out your IRA and other things to do on January 1st]
Replies: 172
Views: 14043

Re: So, who's maxing out their IRA on Jan 1st?

Always. Taxable portfolio has grown enough that the December distributions are mostly able to fund the IRA. The money sits in my settlement account for a few days before going to traditional IRA the first trading day of the year and then Roth the next day.
by avenger
Thu Dec 17, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for us to add?
Replies: 14
Views: 1654

Re: Best Credit Card for us to add?

We use the Alliant Credit Union 2.5% cash back on everything - this is our big lifter.
by avenger
Wed Dec 09, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Beacon
Replies: 17
Views: 2315

Re: Vanguard Beacon

It’s hard to say it’s any better.
It froze on me twice. I’m intrigued, but I’m not getting my hopes up.
by avenger
Mon Dec 07, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle credit cards you no longer use?
Replies: 85
Views: 5626

Re: How do you handle credit cards you no longer use?

Cancel.

I only have two cards. One for joint purchases with my partner, one for individual purchases.
by avenger
Mon Dec 07, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Working From Home (Physician Working in Industry versus Practicing)
Replies: 12
Views: 1544

Re: Working From Home (Physician Working in Industry versus Practicing)

Mid-career surgeon here.
I’d give it a solid consideration.
You can always go back to medicine after the first year if you don’t like it.
by avenger
Mon Dec 07, 2020 1:14 pm
Forum: Non-US Investing
Topic: What are you earning on your fixed income?
Replies: 11
Views: 2109

Re: What are you earning on your fixed income?

Stable value fund yielding 2.68%
by avenger
Mon Dec 07, 2020 7:11 am
Forum: Personal Investments
Topic: Total Bond vs Guaranteed 3% Account
Replies: 17
Views: 1871

Re: Total Bond vs Guaranteed 3% Account

I have all of my 457 invested in a stable value fund earning just under 3%.
I ran out of fixed income space there, so I’m buying vanguard intermediate term tax exempt in taxable.
by avenger
Sun Dec 06, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Saving $ on my coffee habit
Replies: 95
Views: 5927

Re: Saving $ on my coffee habit

I too fall victim to the Starbucks luxury occasionally.

But I buy a high quality espresso and make Americanos at home in my simple Krups espresso machine I’ve had for two decades.
by avenger
Sun Dec 06, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on gifts for the holidays?
Replies: 73
Views: 4280

Re: How much do you spend on gifts for the holidays?

About $1500 in total.
I support my mother with $1000/mo though.
I make $400k/yr.
by avenger
Sun Dec 06, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85238

Re: What lifestyle creep made you happier?

Amazon fresh.
Tipping the delivery driver so I’m helping someone out at the same time as grocery shopping in my pajamas.
by avenger
Sat Dec 05, 2020 7:37 am
Forum: Personal Investments
Topic: Bonds in taxable
Replies: 28
Views: 2415

Re: Bonds in taxable

BolderBoy wrote: Fri Dec 04, 2020 10:43 pm
nydoc wrote: Fri Dec 04, 2020 10:41 pmDoes anyone buy bonds in taxable account? If yes, which ones? All my bonds are in 401k.
Yes, Vanguard Intermediate Term Tax-Exempt.
Same. I have a high tax rate so this works for me.

My 457 is already completely filled with stable value fund.

In fact, it’s all I’m buying these days.
by avenger
Fri Dec 04, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: Best non-cotton undershirts that run long and stay tucked in?
Replies: 9
Views: 1201

Re: Best non-cotton undershirts that run long and stay tucked in?

Try tucking your shirt into your underwear, then tucking your collared shirt into the pants (above the underwear).
This is a hack I came up with a few years ago. I’ve never had an untucked undershirt since.
by avenger
Fri Dec 04, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Resident Physician
Replies: 4
Views: 327

Re: Disability Insurance - Resident Physician

Seems about right.
I’ve been out in practice about 9 years, and am paying ~$400/month for about $10k benefit, with all of your specifications for about $10k of benefit. My product is through the Standard.
by avenger
Wed Dec 02, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 14043

Re: Who's keeping Netflix now? (price increased to $13.99)

Seriously, we share subscriptions among family, Netflix is mine to pay for. Others pay for Disney, Hulu, ESPN, which I use occasionally. It’s the best money I spend each month. I'm surprised many others (at least on this thread) don't do this. Shared with my parents, brothers, and a sister, we all ...
by avenger
Wed Dec 02, 2020 6:12 am
Forum: Personal Consumer Issues
Topic: Another Digital Piano Thread
Replies: 18
Views: 1436

Re: Another Digital Piano Thread

I bought a Yamaha CLP-685 last year. I’ve been playing the piano for 36 years. It’s a close but not perfect approximation of a grand piano. It looks great and is compact too. I paid just north of $5000. But I’m a fairly serious piano player, taking weekly lessons from an area master. I haven’t yet e...
by avenger
Sun Nov 29, 2020 11:43 am
Forum: Personal Investments
Topic: Where do you keep cash for future car purchases?
Replies: 34
Views: 3037

Re: Where do you keep cash for future car purchases?

I have a 70/30 portfolio. I’ll just withdraw and maintain that allocation.
by avenger
Wed Nov 11, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a pre-made Thanksgiving dinner
Replies: 17
Views: 1130

Re: Recommendations for a pre-made Thanksgiving dinner

We have used Whole Foods a few times with excellent results.
by avenger
Wed Nov 11, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Mix or match bedroom furniture?
Replies: 18
Views: 1188

Re: Mix or match bedroom furniture?

Definitely no match.

We know what we like when we see it, but aren’t interior designers.

Hiring a good fee only designer was an incredible investment. We are very happy.
by avenger
Mon Nov 09, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Invest or pay CC debt?
Replies: 38
Views: 1977

Re: Invest or pay CC debt?

Not only do you need to pay off the credit card debt, you need to spend a lot of time reading here for a total mindset change. Good luck.
by avenger
Sun Nov 01, 2020 9:31 am
Forum: Personal Investments
Topic: Stable Value Fund as “bond” allocation
Replies: 26
Views: 1804

Re: Stable Value Fund as “bond” allocation

I do the same. Also have an SV field yielding nearly 3%. It accounts for about 2/3rds of my bond allocation.
by avenger
Sun Sep 20, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20510

Re: Your "at peace" moments.

Lounging in our backyard plunge pool (90 degrees) at 6 in the am with my homemade Americano on a brisk fall morning. Partner on pup on the patio.
by avenger
Sat Jul 25, 2020 10:53 am
Forum: Personal Investments
Topic: Substitute Stable Value for Total Bond Fund
Replies: 12
Views: 1291

Re: Substitute Stable Value for Total Bond Fund

dbr wrote: Sat Jul 25, 2020 10:30 am
avenger wrote: Sat Jul 25, 2020 10:27 am All of my fixed income allocation is in a governmental 457 stable value fund backed by two highly rated insurance companies, yielding 3%.
The difference is in what fraction of your net worth is allocated there.


What difference?

25% is the answer, however.
by avenger
Sat Jul 25, 2020 10:27 am
Forum: Personal Investments
Topic: Substitute Stable Value for Total Bond Fund
Replies: 12
Views: 1291

Re: Substitute Stable Value for Total Bond Fund

All of my fixed income allocation is in a governmental 457 stable value fund backed by two highly rated insurance companies, yielding 3%.
by avenger
Thu Jul 23, 2020 8:01 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 19559

Re: What is your game plan as market is reaching its previous all time high?

2/3rds of the time the stock market is at an all-time high.

What are you doing on all of those days?
by avenger
Mon Jul 20, 2020 8:31 am
Forum: Personal Investments
Topic: Asset Allocation for short term?
Replies: 10
Views: 809

Re: Asset Allocation for short term?

I have one asset allocation for all needs: emergency, car, retirement, etc. I’m 40 years old and have a 70/30 allocation, somewhat more conservative than I would have if I just was thinking of retirement.

Your mileage may vary.
by avenger
Thu Jul 16, 2020 5:42 am
Forum: Personal Investments
Topic: Using 457 for emergency funds
Replies: 22
Views: 1016

Re: Using 457 for emergency funds

They do tend to fluctuate, although much more slowly than your savings accounts.

I will leave the question re: yield up to someone much smarter than me. Yield and risk tend to go hand-in-hand, however.
by avenger
Wed Jul 15, 2020 8:27 pm
Forum: Personal Investments
Topic: Using 457 for emergency funds
Replies: 22
Views: 1016

Re: Using 457 for emergency funds

My entire governmental 457 is in a stable value find yielding about 3%. It contains 4 years worth of expenses in it. Spend some time learning more details about your stable value fund. You might find it is a good one. For example, mine is guaranteed by two different A-rated insurance companies. It m...
by avenger
Wed Jul 15, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 17908

Re: Gardening 2020

I created these hanging gardens with sweet potato vines to provide some foliage on our fence. Added a drip irrigation system and it’s looking great!


Wish I knew how to add a pic. :annoyed
by avenger
Tue Jul 14, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4133

Re: Car, Remodel or Pool?

Don’t query Bogleheads for a decision like this. They will tell you the right financial decision but only you can answer the correct personal decision. The two are not always the same. We are finishing $100,000 backyard project which includes an inground pool as we speak. We sold a boat a month befo...
by avenger
Wed Jul 08, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 20
Views: 4073

Re: I sold my boat today

We sold our boat the week before the country locked down in March. Just finishing putting in an inground pool and hoping to make just as many great memories.

Congratulations!
by avenger
Tue Jun 02, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5648

Re: Anyone booking flights for 2021 travel?

Just booked round trip nonstop to Puerto Vallarta for 80,000 chase sapphire points in February. We were in before the May 31st deadline with AA so we can cancel for vouchers without reason. We’re doing a 10 day trip with another couple.
by avenger
Mon Jun 01, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Probationary period for new job
Replies: 29
Views: 2241

Re: Probationary period for new job

Yup. I’m a physician in an employed practice and mine was 1 year when I started.
by avenger
Fri May 22, 2020 6:40 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4473

Re: COVID - 19 things to do

Indoor workouts - cardio and weight training with bands. Outdoor exercise - bike rides Piano practice - practicing with purpose much more, continuing lessons virtually with my piano teacher weekly. Delving into music theory in earnest. Art history - I cant take my courses at the school of the Art In...
by avenger
Fri May 22, 2020 6:31 am
Forum: Personal Consumer Issues
Topic: Hot Tub hard water
Replies: 8
Views: 675

Re: Hot Tub hard water

Join the Trouble Free Pool forum, get a proper test kit, and get your water in perfect balance. I don't have a hot tub, but many of the folks there do, and since starting to take control of my pool instead of buying whatever $$$ snake oil the pool store suggested, I've saved a TON of money and had ...
by avenger
Mon May 18, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 5018

Re: How did you determine your target savings rate?

I save what I don’t spend. Not the other way around. Your mileage may vary. So you spend first and only save what's left? I hope that works out well for you. It doesn't work out well at all for most who use that approach. Correct. I don’t have a budget. I do have a high income, however, and had sav...
by avenger
Mon May 18, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 5018

Re: How did you determine your target savings rate?

I save what I don’t spend. Not the other way around. Your mileage may vary. So you spend first and only save what's left? I hope that works out well for you. It doesn't work out well at all for most who use that approach. Correct. I don’t have a budget. I do have a high income, however, and had sav...
by avenger
Mon May 18, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 5018

Re: How did you determine your target savings rate?

I save what I don’t spend.
Not the other way around.
Your mileage may vary.
by avenger
Mon May 18, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5970

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Do it. Buyer’s market.

We got rid of ours right before the pandemic!

We made some of our favorite memories in the past decade on that boat.

We live in Chicago. Was always fun to take friends down the Chicago river downtown
by avenger
Sat May 16, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: [any downside to telling your parents your income?]
Replies: 32
Views: 2631

Re: [any downside to telling your parents your income?]

I think in general it’s probably a bad idea although each individual circumstance may vary. I support my mother financially to the tune of about $1000 per month. It’s already awkward having her see things I spend my money on. I can’t imagine telling her an exact figure or giving her more detail abou...
by avenger
Wed May 13, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16673

Re: Coronavirus Flight Cancel Thread

mc2 wrote: Wed May 13, 2020 1:09 pm I'm happy that you had good success and thanks for your prompting. I've called Cap One and gave up w/1 hour wait times. I'll try later today and report back.
Most CC companies allow you to dispute directly from the website.

My dispute took 3 minutes to do online.
by avenger
Wed May 13, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9982

Re: Turning 30. Living 30s without regrets

Hi group, I am turning 30 soon. When I was 22 and got my first job, I read a ton of what to do in my 20s that seems to have helped me a ton. Some things that have helped: - Maxed out my 401k every year. 401k is ~275k - Travelled as much as I could. Visited 10 countries in Europe. - Started an HSA a...
by avenger
Wed May 13, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16673

Re: Coronavirus Flight Cancel Thread

So you disputed the charge with your CC company? I have not, and I don't really know why. I am hoping that the LOT refund will arrive shortly, rather than waiting 90 days with the CC, and possibly avoiding filling out forms, submitting paperwork, etc. As far as I know, the payout amount would be th...