Search found 899 matches

by avenger
Tue Apr 13, 2021 6:12 pm
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 45
Views: 4640

Re: Emergency (oh my God fund)

My partner and I have about 20 years of expenses saved in about 80/20 allocation (if you combine the portfolios). I call that “oh my god” money. We are 41 and 53 years old.
by avenger
Sun Apr 11, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about the future
Replies: 57
Views: 6468

Re: Anxiety about the future

dogagility wrote: Sun Apr 11, 2021 5:50 am
Cyanide123 wrote: Sat Apr 10, 2021 8:04 pm How do I switch focus, remind myself that I am still blessed compared compared to most of the world...
No joking, I suggest you put some of your wealth into regular visits with a therapist.
As a fellow physician who has struggled with anxiety, I wholeheartedly agree with dogagility.
by avenger
Wed Mar 24, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10246

Re: Men's Cologne

People still wear cologne?
For those of us with aerosensivities, I implore you to stop.
by avenger
Mon Mar 15, 2021 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Consider locking your unused credit cards to avoid fraudulent charges
Replies: 12
Views: 1110

Re: Consider locking your unused credit cards to avoid fraudulent charges

I close any cards we don’t use.
I have 2 credit cards currently.
Close them if you don’t use them.
by avenger
Fri Feb 26, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12800

Re: How much do you spend nightly for hotels (leisure/vacation)?

Occasionally as low as $200/night, usually closer to $400/night, highest ever (special occasion- my 40th birthday in Bali) up to $800/night.
by avenger
Mon Feb 08, 2021 5:59 pm
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 41
Views: 8115

Re: I sold my boat today

And, contrary to the common saying, it wasn't one of the happiest days of my life. I was pretty sad. I'm going through a boat sale right now and I'm pretty sad without even signing it over yet. How are feeling about the sale 6 months later? Just curious if this will pass. :( We were fine. But we al...
by avenger
Mon Feb 08, 2021 10:58 am
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

I have used Stitch Fix.
I like it - quality is variable.
It’s expensive.
I’ll probably continue to use here and there for convenience.
by avenger
Sun Feb 07, 2021 8:12 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10055

Re: What are your staple healthy meals?

Baked salmon on a bed of micro greens with balsamic/oil dressing.
by avenger
Sun Feb 07, 2021 9:37 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9566

Re: Cash vs. Credit

Never cash.
by avenger
Wed Jan 27, 2021 4:40 pm
Forum: Investing - Theory, News & General
Topic: What Do You Consider a "Really Bad Day"?
Replies: 59
Views: 5001

Re: What Do You Consider a "Really Bad Day"?

Right now in my portfolio, a 20% drop would trigger rebalancing from bonds to stocks.

So I guess that’s my answer. An RBD for me is a 20% drop.
by avenger
Sun Jan 24, 2021 12:07 pm
Forum: Personal Investments
Topic: Still buying Bonds?
Replies: 68
Views: 7040

Re: Still buying Bonds?

Ive only bought bonds since March.
by avenger
Fri Jan 22, 2021 5:34 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25978

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

My partner and I have 4 million in our investment accounts.
I clean the house and my partner does most of the yard work. I do all the pool maintenance. We are 41 and 52.
by avenger
Sun Jan 10, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Physician Nonclinical Career Question
Replies: 3
Views: 618

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: 1110

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: 4407

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: 752

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: 1254

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: 3834

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: 89
Views: 8213

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: 2862

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: 14374

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: 1782

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: 2582

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: 5692

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: 1571

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: 2147

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: 1910

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: 6080

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: 4342

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: 85810

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: 2501

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: 1222

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: 337

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: 14308

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: 1472

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: 3097

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: 1156

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: 1215

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: 1989

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: 32
Views: 2713

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: 20590

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: 1333

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: 1333

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: 19622

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: 853

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: 1082

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: 1082

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: 18093

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: 4166

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...