Search found 775 matches

by avenger
Fri Mar 16, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

I have no other holdings in my taxable account. I ended up selling a combination of lots with both short and long term gains that minimized my taxes for this year. I have no plans for selling equities from my taxable account at any point in the foreseeable future. At the same time I sold $90,000 wor...
by avenger
Thu Mar 15, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

I think what I am going to do is sell the shares that give me the overall least amount of taxes for 2018. I can’t predict the future. I can’t predict whether or not I will be able to harvest short term losses later this year. It is possible I might retire into a very low federal rate. I have no idea...
by avenger
Thu Mar 15, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

Thanks for the complete picture in your updated original post. It is much clearer. If you expect to sell the other of the two while you are in the same tax bracket with the Medicare 3.8% tax then I would sell the long term now as it is fully mature and will not be more tax advantaged in the future....
by avenger
Thu Mar 15, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

nolesrule wrote:
Thu Mar 15, 2018 11:48 am
rkhusky wrote:
Thu Mar 15, 2018 11:38 am
Doesn't the 3.8% also apply to short term cap gains?
Yes.
Great. I didn’t know that. So it would be 35+3.8=38.8%?
by avenger
Thu Mar 15, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

You are not looking at this correctly. The issue is the tax rate being paid not the total amount of taxes. The short term gains are taxed at your marginal rate (35%) and the long term gains are taxed at 15%. Clearly if you would pay $7000 in tax on the short term vs $17000 on the long term you are ...
by avenger
Thu Mar 15, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

You are not looking at this correctly. The issue is the tax rate being paid not the total amount of taxes. The short term gains are taxed at your marginal rate (35%) and the long term gains are taxed at 15%. Clearly if you would pay $7000 in tax on the short term vs $17000 on the long term you are ...
by avenger
Thu Mar 15, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Re: Selling investments - taxes

Raabe34 wrote:
Thu Mar 15, 2018 10:50 am
Capital gains rates, look them up and come back.


Not helpful. Long term cap gains rates are 15% for me. I can do math. I just want to make sure I’m not missing some other consideration.
by avenger
Thu Mar 15, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Selling investments - taxes
Replies: 21
Views: 1252

Selling investments - taxes

I need to liquidate some of my non-retirement taxable equities to raise cash for a home purchase. Usually the rule of thumb is to limit short-term gains in favor of long-term gains. Marginal rate is 35%. I am subject to the Medicare 3.8% tax and long term rate is 15%. I need $90,000 I can sell $90,0...
by avenger
Tue Jan 30, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Fund Classification
Replies: 11
Views: 1202

Re: Stable Value Fund Classification

I count mine as fixed income. No withdrawal restrictions.
by avenger
Tue Jan 16, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3576

Re: PTO policy after international business travel

Only your employer can answer that. You don’t know if you don’t ask.
by avenger
Sun Jan 14, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3701

Re: Any high-end skincare products worth it?

My dermatologist recommends Vanicream to wash my face. I like it because it isn’t harsh and doesn’t have added fragrance, which I (and my skin) abhor.
by avenger
Sun Jan 07, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest all right now? (1.4M, 34 yrs)
Replies: 22
Views: 4082

Re: Should I invest all right now? (1.4M, 34 yrs)

I recommend you do whatever your Investment Policy Statement says. If you don’t have one, I recommend writing one. Your question smells of market timing, which is generally frowned upon here. Come up with an asset allocation and stick with it.
by avenger
Sun Jan 07, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash e-fund + multiple sinking funds - How far do you go?
Replies: 12
Views: 1281

Re: Cash e-fund + multiple sinking funds - How far do you go?

I don’t do any of that. Mental accounting, if you will. I have one allocation for all needs. One caveat is that I have a large taxable account. Your mileage may vary.
by avenger
Sun Dec 31, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2138

Re: wireless earbuds for exercise - airpods or ??

Another vote for AirPods. Love them.
by avenger
Wed Dec 13, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3556

Re: Access to landlocked timber blocked by landowner

Talk to a real estate lawyer. These issues are going to be local.
by avenger
Tue Dec 12, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5551

Re: Best solution for digitizing documents?

ScannerPro creates searchable documents. Sure, as do some of its competitors, and the review I checked suggested that the OCR is pretty good. But phone scanning is not efficient enough unless you have a pretty small number of documents to scan. Depends. You can’t easily scan oddly shaped items usin...
by avenger
Tue Dec 12, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 4311

Re: Should I file taxes w/o her?

This is one of the reasons my partner and I of 10 years don’t marry.
by avenger
Tue Dec 12, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5551

Re: Best solution for digitizing documents?

ScannerPro creates searchable documents.
by avenger
Tue Dec 12, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5551

Re: Best solution for digitizing documents?

Scanner Pro by Readdle is an awesome app that can save to a bunch of places including dropbox, Gdrive etc. Try it out you will love it. No need to buy expensive scanners. Edit: My crisp response sounded like I work for them but no :-). So I am editing my response. I have been using that app for the...
by avenger
Tue Dec 12, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5551

Re: Best solution for digitizing documents?

Scanner Pro by Readdle is an awesome app that can save to a bunch of places including dropbox, Gdrive etc. Try it out you will love it. No need to buy expensive scanners. Edit: My crisp response sounded like I work for them but no :-). So I am editing my response. I have been using that app for the...
by avenger
Sun Dec 10, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3112

Re: What MPG App Do You Use To Track Fuel Usage ?

jadd806 wrote:
Sat Dec 09, 2017 5:43 pm

How do you know if somebody is a cyclist? Don't worry - they'll tell you.
This is the funniest thing I’ve read today. :P
by avenger
Sun Dec 10, 2017 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard MMF?
Replies: 13
Views: 2207

Re: Which Vanguard MMF?

In my brokerage account, I just use the Vanguard Federal Money Market Fund (Settlement fund). It's the fund all of my cash sloshes into and out of.
by avenger
Thu Nov 30, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 10315

Re: Can I afford a $1,400,000 house

Another guy (subspecialty surgeon here) recommending you wait on the house buy. You already have a mortgage. A mortgage on your brain. Pay that debt first.
by avenger
Tue Nov 28, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Headphones for iPhone
Replies: 10
Views: 1332

Re: Headphones for iPhone

I love the AirPods. Lightweight, they stay in your ear, and you don’t have to think about charging them as the case is the charger! They also charge quickly. They are pricey, however.
by avenger
Sat Nov 25, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2967

Re: Pay this off now or not?

I was in a similar situation. I paid off all of my debt. It feels good, but in my case I opened up the purse strings a bit once it was paid off. I’m not a spendthrift, but I don’t save as much as I did before. I felt somewhat more motivated to save when I had the debt. Just my anecdotal experience. ...
by avenger
Sun Nov 19, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 56
Views: 5875

Re: Tax Returns - How Long Do you Keep?

I also keep everything in PDF stored locally and in the cloud. I don’t have any paper. I plan on keeping indefinitely.
by avenger
Sat Nov 18, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 49
Views: 11553

Re: 35 yr-old doc needs some wisdom

... "Sure he makes great money, but what if he becomes burnt out in 5 years and needs to cut back to stay sane?" This is the question I ask daily. I don't want to be trapped in a job living a life of quiet desperation, compelled to see X number of patients or do Y number of procedures, just to pay ...
by avenger
Fri Nov 10, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 16
Views: 1612

Re: Should I invest my emergency fund?

On the other hand, if I think of $530k and $60k as one portfolio, going with a more conservative allocation for 60k would just skew my overall allocation towards more conservative so it won't be 72/28 any more. Bingo I think you're wasting your time. You have 600k in taxable accounts, only 10% of w...
by avenger
Wed Nov 01, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Paying debt vs compounding interest benefit
Replies: 8
Views: 992

Re: Paying debt vs compounding interest benefit

Unless you’re not telling about being PLSF-eligible in the imminent future, I would also strongly suggest you pay it off.
by avenger
Tue Oct 17, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Excess cash for car fund - Would you invest?
Replies: 12
Views: 852

Re: Excess cash for car fund - Would you invest?

I have an asset allocation for all goals (emergency fund, my next car, down payment on house, retirement). My taxable account is 3 times larger than my retirement account, however. So your mileage may vary.

I’m not sure I answered your question.
by avenger
Tue Oct 03, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7977

Re: So... What bond fund or bond-like instrument do you use?

All controllable fixed income is in a stable value fund in my 457. I’ll be running out of room shortly if we don’t buy a new house. In that case I’ll put it into intermediate term tax exempt in my non-retirement account.
by avenger
Sun Oct 01, 2017 5:20 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 4858

Re: Should I get a New Macbook Pro?

I bought the new MacBook Pro this year, replacing my 2012 MacBook Pro, citing some of the same issues as you. It really was just frustrating to have the spinning ball running all of the time, especially if I had multiple applications open. I really don't live on a budget, so it wasn't a hardship for...
by avenger
Sun Oct 01, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 22730

Re: What age did you become debt free and what opportunities did it create?

I became debt-free 3 months ago at the age of 37. Having completed my residency and making a great salary the last 6 years, I put an equal amount of money toward debt payoff and investing. Now, I am saving 45% of my gross salary and really watching the investment account balance skyrocket. I'm not c...
by avenger
Thu Aug 03, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 51852

Re: A poll: How much money do you need to retire?

37. Plan to retire (or slow down significantly) between 45 and 50 at 2.5 million. Bottom line is to reach financial independence.
by avenger
Sun Jul 30, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Advice on taxable account - yearly additions.
Replies: 7
Views: 1401

Re: Advice on taxable account - yearly additions.

GaryA505 wrote:Isn't the investment company required to keep some records on this now?
Beginning in 2012, yes. I started my taxable investing career in 2012, so I don’t keep track of anything personally.
by avenger
Sun Jul 30, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Should emergency funds be included in AA?
Replies: 45
Views: 3532

Re: Should emergency funds be included in AA?

I look at my portfolio holistically, and have one asset allocation for all goals, including emergency funds. Anything else really is just mental accounting and makes things more complicated than they need to be.

My caveat, however, is that I have a large taxable account...
by avenger
Thu Jul 20, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 7228

Re: Can real estate investing be relatively "hands off"?

When I was an accidental landlord, I didn't want to be bothered, so I hired a management company.

I feel like I had to manage the management company.

Sold that condo two weeks ago (thank goodness) and will never voluntarily become a landlord again.

I invest in real estate - VTSAX.
by avenger
Sat Jul 15, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 22136

Re: How are folks handling the unprecedented rise in the market ?

Although I am not particularly worried about the market high (most of the time the market is at an all time high), I know this bull market is long in the tooth. Therefore, I paid off about a healthy six-figure amount of debt in the last year, and am now debt free (asset allocation therefore became m...
by avenger
Thu Jul 13, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Cash vs bond
Replies: 9
Views: 1475

Re: Cash vs bond

I used to keep 50% of my FI in a bond fund, and 50% in my stable value fund (which now yields 3%). In an effort to simplify, I have chosen to go all-in with the SV fund for my fixed income needs. The contract is based on the credit worthiness of two companies and there are no restrictions. So I slee...
by avenger
Wed Jul 12, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 18104

Re: Anyone else gotten totally bored with investing?

Also bored.

Completely debt free (paid off $660k in 6 years), 3 fund portfolio on autopilot with no major financial changes on the horizon. Just going to let the boredom ride.
by avenger
Sat Jul 08, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 5179

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

I vest in a pension in 3 years, so I will use that. If I leave before that time, I would certainly consider annuitizing a portion of my portfolio at some point.
by avenger
Sat Jul 01, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 4170

Re: Stable value funds as interest rates rise

Mine went from 2.89% to 3.01% as of this morning.
by avenger
Thu Jun 15, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 7601

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

My rental is being sold next week, luckily I had 6 years without any major issues. Regardless, I will be very happy next week.
by avenger
Wed Jun 14, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 2820

Re: Multi-page scanner?

Fletch wrote:iPhone and Scanner Pro (by Readdle) app; more versitle with qualtity just as good as my MFP scanner which I rarely use anymore.
I second this recommendation. I have used Scanner Pro to scan literally thousands of pictures and documents. Really fast/efficient.
by avenger
Sun Jun 11, 2017 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to prepay a Navient loan payment?
Replies: 10
Views: 1814

Re: Is it safe to prepay a Navient loan payment?

Navient has detailed instructions on their website explaining how loan payments are applied, depending on what type of loan you have. I would look at those instructions.
by avenger
Sat Jun 10, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 6146

Re: Suit for residency interviews

Another vote for it doesn't really matter. I pay little to no attention to that when I'm interviewing a candidate.

On the flip side, the residency program director in our program thinks its appropriate to wear fishnet stockings when we're interviewing residents.

:shock:

Good luck!
by avenger
Sun Jun 04, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 12583

Re: I spend 6.1% of my Gross income on rent

I spend 5% of gross income on rent.