Search found 894 matches

by avenger
Tue Jan 24, 2017 3:04 pm
Forum: Personal Investments
Topic: Bond Funds in Taxable (33% marginal tax rate)
Replies: 5
Views: 1103

Re: Bond Funds in Taxable (33% marginal tax rate)

Thank you for the responses. Intemediate term tax exempt it is!
by avenger
Sat Jan 21, 2017 6:45 am
Forum: Personal Investments
Topic: Bond Funds in Taxable (33% marginal tax rate)
Replies: 5
Views: 1103

Bond Funds in Taxable (33% marginal tax rate)

Fellow Bogleheads, I have to pick your brains. I will soon have all of my debt paid off. I have spent the last few years putting an equal amount of money into debt payoff and investing in my taxable account. I will have to change my current plan to keep my desired asset allocation. Within my 457, I ...
by avenger
Sat Jan 14, 2017 2:24 pm
Forum: Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 2434

Re: 65k Cash. 25 y/o. Best place to put this?

Have you been accepted to medical school? It sounds like you haven't even been accepted yet, and you're thinking about buying a house? I would argue that no medical student should buy a house, let alone a resident. You're entering a period of your life where you might be moving multiple times in a ...
by avenger
Sat Jan 14, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11917

Re: Where do you keep your emergency fund?

No emergency fund per se here. Have a large taxable acccount invested solely in equities (for now) and place my cash needs inside my 457. Have about 1 year of spending needs in a stable value fund. Can always do as is described in the wiki if need be: https://www.bogleheads.org/wiki/Placing_cash_ne...
by avenger
Sat Jan 14, 2017 7:04 am
Forum: Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 2434

Re: 65k Cash. 25 y/o. Best place to put this?

Have you been accepted to medical school? It sounds like you haven't even been accepted yet, and you're thinking about buying a house? I would argue that no medical student should buy a house, let alone a resident. You're entering a period of your life where you might be moving multiple times in a d...
by avenger
Sat Jan 14, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11917

Re: Where do you keep your emergency fund?

No emergency fund per se here. Have a large taxable acccount invested solely in equities (for now) and place my cash needs inside my 457. Have about 1 year of spending needs in a stable value fund. Can always do as is described in the wiki if need be: https://www.bogleheads.org/wiki/Placing_cash_ne...
by avenger
Thu Jan 12, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11917

Re: Where do you keep your emergency fund?

No emergency fund per se here. Have a large taxable acccount invested solely in equities (for now) and place my cash needs inside my 457. Have about 1 year of spending needs in a stable value fund. Can always do as is described in the wiki if need be: https://www.bogleheads.org/wiki/Placing_cash_nee...
by avenger
Wed Jan 11, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 4826

Re: Shutterbugs - How do you organize your digital photos?

I use iCloud. So simple. Apple organizes by date, location, people. I don't really have to do anything. On all of my devices, in the cloud, on my hard drive, backed up to my external drive.
by avenger
Tue Jan 10, 2017 5:45 am
Forum: Personal Investments
Topic: Factoring Pension
Replies: 13
Views: 2271

Re: Factoring Pension

I have a pension that I will become vested in in 4.5 years. Until then, it has an actual dollar value, with contributions receiving a 3% annual return. If I leave my employer before I vest, I get that money back. Currently, I count it as part of my fixed income allocation. If you look at other posts...
by avenger
Fri Jan 06, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 40111

Re: Annual Vacation Budget

We've spent $45k over the last 5 years. Two of us.
by avenger
Thu Dec 22, 2016 12:51 pm
Forum: Personal Investments
Topic: Pre-pay mortgage vs Taxable?
Replies: 54
Views: 6064

Re: Pre-pay mortgage vs Taxable?

I decided to do a little bit of both. I put 25% of my gross income toward retirement (most of that is in a taxable account), give Uncle Sam about 30% effective tax rate, spend about 25%, and use about 30% toward debt payment. Been doing that for three years. That way I don't commit too strongly to e...
by avenger
Thu Dec 22, 2016 5:14 am
Forum: Investing - Theory, News & General
Topic: Stable Value Funds in Portfolio
Replies: 45
Views: 8844

Re: Stable Value Funds in Portfolio

I use the stable value fund in my 457 yielding 2.9%. I put about half of my fixed income allocation into it. In my mind, it also serves as a cash allocation - my cash needs are inside my 457. I can sell taxable equities, then buy equities in my 457 with the stable value fund without changing my asse...
by avenger
Thu Dec 15, 2016 7:02 pm
Forum: Personal Investments
Topic: anyone else moving into bond funds
Replies: 30
Views: 4262

Re: anyone else moving into bond funds

I rebalanced yesterday, which is slightly sooner than I usually rebalance. I usually rebalance on January 3rd when I fund my Roth IRA via the back door method.
by avenger
Wed Dec 14, 2016 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 9711

Re: Current Market rally

Less than 3 years to go until retirement, so I decided this week was as good a time a time as any to rebalance some toward a more conservative allocation. Have no idea whether it will turn out to be good or bad timing on that. I re-allocated within my government TSP, so no tax trigger, regardless. ...
by avenger
Tue Dec 13, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 20961

Re: How old is your vehicle?

3.5 years old, about to turn 30k miles on the odometer. :D
by avenger
Sun Dec 04, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 27
Views: 3230

Re: How do you save copies of your tax forms and supporting docs?

Everything is electronic (not just taxes). iCloud Drive.
by avenger
Tue Nov 15, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: Adding 5%+ ... Rebalance or Proportional
Replies: 12
Views: 2845

Re: Adding 5%+ ... Rebalance or Proportional

I second livesoft's recommendation.
by avenger
Tue Nov 15, 2016 1:14 pm
Forum: Personal Investments
Topic: VTIAX vanguard international index fund
Replies: 23
Views: 6021

Re: VTIAX vanguard international index fund

I like it! 30% of my equities are in it. Low cost, diversified, tax-efficient. Those were my requirements.
by avenger
Sun Nov 13, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or sweep to settlement account
Replies: 38
Views: 6680

Re: Reinvest dividends or sweep to settlement account

At this point I reinvest the dividends... Others may use dividends to rebalance, but my ongoing contributions so far-outweigh the dividends, that it really doesn't have too big of an impact at this point.
by avenger
Mon Nov 07, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 35193

Re: How to retire early (in your 30s or 40s)?

I am planning to retire from medicine at 45 (8 years away). I probably would do something else at that point, but only because I wanted to, not because I had to.
by avenger
Sun Nov 06, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Another vote for count yourself lucky. My out of pocket premiums have gone up 400% in the last 5 years, 100% in the last year. Is this for an employer plan, or individually purchased? Employer. Very large employer, so I'm dumbfounded. Several possibilities. First, I doubt the total premiums (per in...
by avenger
Sun Nov 06, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Grave marker for pet dog
Replies: 10
Views: 2175

Re: Grave marker for pet dog

I don't have any suggestions for you, but I responded to give you my condolences. It's amazing how important pets can be. My heart goes out to you and wishes you and your family healing.
by avenger
Sun Nov 06, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

dm200 wrote:
avenger wrote:Another vote for count yourself lucky. My out of pocket premiums have gone up 400% in the last 5 years, 100% in the last year.
Is this for an employer plan, or individually purchased?
Employer. Very large employer, so I'm dumbfounded.
by avenger
Sun Nov 06, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Another vote for count yourself lucky. My out of pocket premiums have gone up 400% in the last 5 years, 100% in the last year.
by avenger
Sun Nov 06, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Calculation of savings/spending rates (e.g. "surplus"/"deficit")
Replies: 8
Views: 1527

Re: Calculation of savings/spending rates (e.g. "surplus"/"deficit")

I also do not have a budget. And I don't think that understanding what your savings rate is to be very helpful. Ultimately I spend what I want to spend (I dont spend a lot relative to my income), pay off debt and save with the rest, and have projected when I am going to have enough money to retire b...
by avenger
Sat Nov 05, 2016 3:05 am
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 7748

Re: Doubting Your Portfolio Tilts

I understand all of the research on small-caps outperforming large caps over the long-term (especially small-cap value). I know many here tilt their portfolio away from the market-cap weights. But I am not 100% convinced that small-caps will continue to outperform in the future. Say I'm 80% or 90% ...
by avenger
Fri Nov 04, 2016 5:37 am
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 35193

Re: How to retire early (in your 30s or 40s)?

It just depends on if you have access to a mega back door Roth or are self employed such as a physician. In these two situations that I can think of off the top of my head you could easily be putting back around 50k a year in tax deferred accounts or more. 50k a year over 10 years at a hypothetical...
by avenger
Tue Oct 25, 2016 4:10 pm
Forum: Personal Investments
Topic: How to balance Tax Efficiency and Risk when Retiring Early
Replies: 22
Views: 3205

Re: How to balance Tax Efficiency and Risk when Retiring Early

https://www.bogleheads.org/wiki/Placing ... ed_account

That link will answer your question.

Replace "emergency fund" or "buying a new house" examples with "money I want to spend in retirement."
by avenger
Tue Oct 25, 2016 1:06 pm
Forum: Personal Investments
Topic: stable value funds
Replies: 7
Views: 1628

Re: stable value funds

datamonkee wrote:you guys are awesome. Thanks!
My stable value fund is backed by two separate insurance companies and is paying 3%. So I felt it was a good subsittte for a bond fund.

I put half of my fixed income allocation into this fund, the other half being in total bond market index.
by avenger
Thu Oct 13, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Life short-Buy the Boat
Replies: 17
Views: 3722

Re: Life short-Buy the Boat

Why on earth would anybody choose to live on a boat when they have the assets to live a normal life? Why on earth would anybody choose to live a normal life when they have the assets to live on a boat? This! Retiring on a boat is something my partner and I talk about not infrequently. Our current 3...
by avenger
Tue Oct 11, 2016 5:19 pm
Forum: Personal Investments
Topic: Third year medical student, where to begin
Replies: 29
Views: 2882

Re: Third year medical student, where to begin

Climbers0506, Welcome to the forum! I'm a physician, myself. You're definitely on the right track. Lurk around and you'll learn just about everything you'll need to know. Fin twit is good too- assuming you follow the right people. It's pretty simple. Start saving as soon as you can. Save as much as...
by avenger
Wed Sep 14, 2016 2:16 am
Forum: Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 8669

Re: I am going to stop tilting. Sanity check.

I had a tilt to small caps and bailed for the same reasons you're stating.

Keep it simple.
by avenger
Mon Sep 12, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 45
Views: 8285

Re: What shape is your net worth curve?

Straight line. I have a high income, am somewhat early in accumulation, and am saving/paying off debt at a rate of 50% of my gross income.
by avenger
Fri Sep 09, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: How do taxes work for rental income
Replies: 26
Views: 5620

Re: How do taxes work for rental income

Why would depreciation be disallowed? I believe depreciation can always be taken. It's all the other deductions that some might not get to take over a certain income level. I could also be wrong though. :happy High income. My depreciation on my investment condo is disallowed at my income level. How...
by avenger
Thu Sep 08, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do taxes work for rental income
Replies: 26
Views: 5620

Re: How do taxes work for rental income

Longer term, there is also depreciation recapture when you sell the property. Essentially, your cost basis for the property is reduced by the depreciation you have taken, thus increasing your capital gain when you eventually sell the property. And the recapture is 25% at this time I think... not si...
by avenger
Tue Aug 30, 2016 5:27 am
Forum: Personal Investments
Topic: how fast to max out your 401(k) 18K in a given year?
Replies: 36
Views: 4629

Re: how fast to max out your 401(k) 18K in a given year?

If you will be adding additional cash to your taxable account, it doesn't make sense to front load the 401k, as you'll only be front loading the tax advantaged account. It also may produce a headache for your payroll department. Be careful doing that if you get a match, as you might not get the full...
by avenger
Sat Aug 27, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 4552

Re: *Tech Questions* How do you keep track of your life?

Maybe Mike is right, but having every photo I own in digital format is great. They are also in chronological order on my iDevices with time stamps. It's actually fun at parties to break out my iPad and go back to 1980 to look at old pictures, rather than pull out some physical photo album. Also, I h...
by avenger
Sat Aug 27, 2016 1:42 pm
Forum: Personal Investments
Topic: Do you count your emergency fund?
Replies: 45
Views: 5229

Re: Do you count your emergency fund?

Money is money. I look at my whole portfolio as one. That being said, my AA is less aggressive to account for this.

Edit to add: P.S. - I have a large taxable account.
by avenger
Sat Aug 27, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 4552

Re: *Tech Questions* How do you keep track of your life?

My guess is that this will be the generation of lost photos and memories. Digital does not keep well. We have a few family photos from over 100 years ago and they are precious keepsakes. I suggest that you have about 1 photo per person per year professionally printed on archival photo stock. Label ...
by avenger
Sat Aug 27, 2016 6:04 am
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 4552

Re: *Tech Questions* How do you keep track of your life?

The Apple ecosystem handeles all of my photos. Every photo in my possession is available across all of my devices and from the iCloud website, including all of the ones I have scanned.
by avenger
Thu Aug 25, 2016 2:18 am
Forum: Personal Investments
Topic: Managing AA with target date funds... or not?
Replies: 18
Views: 1772

Re: Managing AA with target date funds... or not?

I do exactly this. There is no suitable bond index fund in my 457. Because I wanted Vanguard's Total Bond Market Indes and Total International Bond Market Index, I use one of their Lifecycle funds in my 457.
by avenger
Wed Aug 24, 2016 5:20 am
Forum: Personal Investments
Topic: Bond Choice / Stable Value in 401k
Replies: 20
Views: 2516

Re: Bond Choice / Stable Value in 401k

whodidntante wrote:What is the yield of the stable value fund? Expenses don't matter for those types of funds.
Actually expenses do matter. The higher the expenses, the more risk the fund needs to take on to achieve its yield.
by avenger
Fri Aug 19, 2016 4:39 am
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 78
Views: 7705

Re: What does the BH community do with their pets when they travel?

My brother lives nearby and he takes our dog when we leave town.

My partner and I return the favor when he does the same.
by avenger
Sat Jul 30, 2016 9:03 am
Forum: Personal Investments
Topic: Retirement vs Non-Retirement Asset Allocations
Replies: 17
Views: 1942

Re: Retirement vs Non-Retirement Asset Allocations

We never put our money in separate pots or asset allocations for separate goals. We always have had one big pile of money and one overall asset allocation. Consider this: If you are saving for a car and your stock index funds in your taxable account go way up, then buy the car sooner. If they go do...
by avenger
Thu Jul 21, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 40475

Re: Concierge medicine Worth It????

...As a result, he is retiring but has had a hard time finding someone to replace him. Many of his colleagues are either not taking new patients or retiring early. So we're starting over and this makes the concierge option appealing- if we could afford it ( we can't). We'd love to see a doctor who ...
by avenger
Thu Jul 07, 2016 8:28 pm
Forum: Personal Investments
Topic: Should I fill taxable with International?
Replies: 9
Views: 1968

Re: Should I fill taxable with International?

I won't do the math for you, but I will tell you what I did. I realized it didn't make much difference for me. I opted to keep somewhat equal amounts of international and domestic equities in my IRA to allow for rebalancing. In taxable, I found it made no difference to hold domestic or international...
by avenger
Sun Jun 26, 2016 10:12 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 18010

Re: What did you learn from the post-Brexit bloodbath?

I'm chuckling a little bit that Bogleheads are referring to Brexit in the past tense.

I think it remains to be seen what the full impact will be. I'm guessing the impact will be more than one day of market activity.
by avenger
Tue Jun 21, 2016 7:55 am
Forum: Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 8246

Re: How do you change your AA over time?

I'm age-10 in fixed income, so at 36 I'm 26% fixed income. I rebalance at the beginning of the year when I contribute to my Roth IRA and use that as an opportunity to increase by FI allocation by 1%.
by avenger
Sun Jun 12, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit -- use in Asset Allocation or even keep track of?
Replies: 43
Views: 4111

Re: Defined Benefit -- use in Asset Allocation or even keep track of?

Hello all, I have a pension that takes a set % of each paycheck and gives me an annual 5% compounded daily. All of the myriad buy-back, unvested, early retirement etc options are not the issue here, though. Some time ago I must've had a brainfart and I've been periodically updating this account as ...