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mega317

sruliz wrote: ↑
Thu Jun 21, 2018 12:38 am
Long term. He wouldn't need the money for at least 10-15 years. Thanks.

Are you sure? There is no chance within 10-15 years he'll buy a car, engagement ring, house, fund a backpacking trip? College and grad school are covered?

mega317

Another thing that works for me is to talk about what I've read. Unfortunately for my wife that means she often gets cliff notes versions of books she's not particularly interested in! But she loves me enough to listen for a minute or two.

mega317

I can't imagine putting up with the most inconsequential thing for 19 years if I hated it, much less a job. Get out one way or another. It's not your problem how they replace you, although you could help transition to the new person.

mega317

I guess the other option would be to increase my Total Bond Index in the Fidelity account and not own any bonds in this one. Yep. Rearrange your accounts so you only have to use the best options in this 457. What type of account is at Fidelity? If taxable, you need to do a little more thinking abou...

mega317

Our oldest is in an immersion preschool, and we're both pediatricians. In my opinion it's mostly a novelty. It's wonderful to learn another language and learn about other cultures, but that can happen in plenty of other ways. We're actually moving him to an English-only class. Not to say there is an...

mega317

Alexa9 wrote: ↑
Fri Jun 08, 2018 10:48 pm
2. Put some exercise music on

This is common and good advice. But I prefer audiobooks. I feel they take more attention and so distract me from the fire in my lungs and muscles.

mega317

Why would you want to do that?!

mega317

You have many questions to answer for yourself before deciding on mutual funds vs ETFs. What are your goals? What is your risk tolerance? It's not clear from your post but you seem to not really have a plan.

mega317

My opinion is that most people can learn all they need from 1-2 books and a few hours on this website. Learn about the asset classes, risk tolerance, and expenses--then you're most of the way there. we are looking to have to do something with some of this money in the coming weeks. Why? The typical ...

mega317

...Here's a chart of VBTLX over the past 2 years. On the far right is the 'peak' where you bought it, followed by the downturn. In context, the past week should look a lot less scary... Ok but put that in greater context--it is less than a 5% decline. US stocks have dropped more than that twice thi...

mega317

A few thoughts in addition to the above: 1. How much house are you looking to buy in 2-3 years? Keep that down payment in cash or similar. 2. Why $500 per month? If you decide you want to keep the emergency fund of 60k and move the rest in to other investments, it will take 23 years at that rate. 3....

mega317

aj76er wrote: ↑
Mon Jun 04, 2018 10:05 am
So I'm just wondering if bonds show up here just before the day of auction?

Should show up the day of the announcement, which in your case is the 7th.

mega317

Are they truly equivalent? Same holdings? There isn't much guidance from the IRS on what substantially identical means but they do say something like mutual funds from different companies are not.

mega317

The way I see it, I have one portfolio. I need to manage asset allocation, tax efficiency, and ability to meet expenses across that portfolio. I would love to be 100% stock in taxable but the account isn't large enough to tolerate a crash and still cover some anticipated short term expenses. So I ha...

mega317

It's not clear to me why renting is foolish. You can't afford a house and your time there is finite. I also question some of your expenses. I would be interested to see how you come up with 8 grand for a baby without daycare. Why do you need awd SUV? Why do you need space to accommodate a failed bus...

mega317

To very narrowly answer your question-- the right mix of stocks and investment grade bonds will perform about the same as a high yield bond fund, so its basically six vs half dozen. More generally, I suggest you invest your emergency fund using the methods discussed on threads in early February.

mega317

gcc32 wrote: ↑
Wed May 30, 2018 3:48 pm
I would rather not try to use assets to cover my lifestyle.

This deserves more discussion. Why? Is your goal to leave the whole thing to heirs? That changes things dramatically.

mega317

You are very lucky. You can do literally anything you want to do. Go to med school, law school, both, whatever you want. I admire your desire to do something. Don't get stuck on "specific career path", "guaranteed income", "maybe low 6 figures", "now or never", "traditional job", "normal work experi...

mega317

Well the part of your question about timing the market can't be answered. No one knows what will happen to the NAV between now and November so can't say when to take the loss in those terms. If you feel a short term bond fund is more appropriate for you(r long-term plans, not market timing) then I'd...

mega317

I will guess not many people on this forum have it. What benefits are you hoping for?

mega317

I would not hold taxable bonds in a taxable account, and if you start off with a target date fund in taxable it might be hard to unwind later. Live like a resident for a while and save way more while also maintaining a simple life while you get your footing as an attending. How in the world does a s...

mega317

Some pay high tax even on qualified dividends (20% plus high state rate plus ACA) while munis might be free. One of the most respected members here often mentions that.

mega317

Thanks. But would a 1.8% 3 moths CD be better than cash? Depends on your needs. Definitely not if you need the money within 3 months. Also 1.8% is worse than many savings accounts. Although I wouldn't open a new bank account to hold some money for 3 months. Also a treasury maturing in 3 months woul...

mega317

I have bonds in taxable. My taxable account is less than double what I would feel comfortable with in an emergency plus some upcoming expenses.

mega317

5% insured? Haha.

You need to accept the fact that yields are low and you can't have it all in terms of returns, safety, insurance, liquidity, whatever. There are lots of ways to get fancy with an emergency fund but you'd be talking about fractions of a percent on a relatively small sum.

mega317

Your idea is fine but I have a few comments: 1. How do you know the timeline that precisely? What if the housing market crashes this year, and you could have afforded something for 140k but you can't buy it because stocks also crash you only have 110k? What if you end up with different housing needs...

mega317

What's the context of your question? We don't frequently see discussions on obscure, non-Googleable products. The first three google hits are this post. The other four are in other languages. Is this a part of your passive strategy?

mega317

3 suggestions 1. Add "British expat" in the title of your thread to get the most helpful eyeballs 2. Add the names of the funds, not just the tickers 3. Add more information to fit your post to this format https://www.bogleheads.org/forum/viewtopic.php?t=6212 Very hard to say if you're on the right ...

mega317

I think we're getting off track here. OP's question was should he delay a year or not.

mega317

Yes you are running a real risk of needing to find another way to pay for the car. If you already owned the car would you borrow the money to buy the stock for a few years, even if someone gave you $400 for your trouble?

mega317

You want to help people get their expenses under 1%, and then you plan to charge even your family 1%? OP: there are threads like this one periodically, you should search for some to read many posts that further support the comments already made in this one. In the end, a job is a job and you only sh...

mega317

I gotta say, with the salaries so close, it may be that the most financially sound decision is to never attend law school. But more important than numbers is what you want to do in life. If the answer requires law school, then I don't think there's much difference when you start.

mega317

hmw wrote: ↑
Wed May 23, 2018 8:32 pm
watching money grow in a saving account is like watch paint dry.

I would worry that watching stocks soar could give the illusion of easy money, and watching them tank could scare him off. I prefer savings to investing as a first lesson for children.

mega317

In my opinion, 5 years is not enough time to be taking equity risk. I think many people wouldn't even want intermediate-term bond risk. I don't know what those tickers are but in general bonds are not correlated to stocks meaning your last question is not answerable. Can you give us some more inform...

mega317

raixx017, if you scroll down from your screenshot do you have the option to buy the 7-year? That's all that's available right now. The auctions are on a schedule and you can only buy after they're announced. I believe tomorrow you will be able to buy 4-, 13-, and 26-weeks.

mega317

Well if your one and only concern is limiting the total expense of a catastrophe, then Oxford is the way to go. But then why are you asking the question? If you run "most likely" scenarios it may end up more expensive due to higher premiums, maybe prescriptions or ER or mental health or something el...

mega317

WhiteMaxima wrote: ↑
Wed May 23, 2018 6:05 pm
5 Year CD 2.5% interest.

You would have to put in a little effort to find a 5 year CD that low.

mega317

Welcome to the forum. I think you pretty much have it figured. A. Roll into an IRA, affect future back door Roth. What's your filing status and AGI? B. Roll into new plan. How do the investment choices compare to the current plan? C. Leave it where it is. What are the investment choices? PS be caref...

mega317

Congrats! Obviously the answer is going to be based on how much and what type of health care you consume, and even if we had that information you haven't given us enough to decide. What are the copays, for example.

mega317

Welcome to the forum. I am having a hard time understanding your question. " I want to keep the $200k untouched for 5 years" seems in direct conflict with "deplete these funds moderately over a 5 year period". Maybe if you told us the goal for the money? In general the answer for 5 years or less is ...

mega317

The timing of the procedure doesn't matter (once you're covered by the HDHP). You can take the money from the HSA now or later, just keep receipts.

mega317

What's the fixed income fund? What is your tax bracket? In general I would prefer stocks in taxable and fixed income in tax-deferred, but I can think of reasons to do the opposite.
You'll get better advice if you post like this: viewtopic.php?t=6212

mega317

What municipal bond fund did you have in mind? Vanguard's long-term tax exempt fund is only yielding 2.84%, and you'd have to pay state tax if that's relevant for you. And it could lose 10% or more.

mega317

My general feeling is that liquidity has value which is worth paying for in certain cases, and yours might be one of those cases. But you are going to have a hard time coming out ahead on this deal, and there is a reason for that. I would keep the difference in something low-risk and short-duration ...

mega317

But I still think it's illogical to use a strict percentage when buying a $300 vs. $30 bottle of wine at a restaurant. Sure it's illogical. The whole system is illogical and I don't recall reading one post in any tipping thread that argues otherwise. But it is also illogical to stiff people who are...

mega317

We always seem to be anticipating profit margin reversion I didn't understand a word of that but I'd like to point out that your post is the only one in the searchable history of this forum with the exact phrase "profit margin reversion" and there are only a handful that seem to talk about reversio...

mega317

I think you need to define the goals for these accounts. For example, is it possible the 10 year old will use this money for something like a school trip in the next few years?

What bonds are at 0.75%? I think you can do better.

mega317

RollTide31457 wrote: ↑
Tue May 22, 2018 1:44 pm
Usually only add a tip if adequate service is provided - drinks are refilled promptly without asking, food is delivered as ordered and in a prompt manner, seating assignments are comfortable and not unnecessarily crowded, etc.

Like, if you have to ask for more water you tip $0.00?

mega317

You all might be right about my comment on selling the replacement shares in the ira. I have never had to do this but I assumed, probably incorrectly, that you can just document your transactions. I do realize vanguard won't do spec ID

mega317

It might help to model your yearly income/taxes. You might be able to roughly find the point where converting a certain amount will keep you in low-ish brackets in conversion years while also reducing RMDs enough to stay in low-ish brackets later.

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