Search found 761 matches

by avenger
Wed Dec 13, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3123

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 Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3473

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: 3613

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 Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3473

Re: Best solution for digitizing documents?

ScannerPro creates searchable documents.
by avenger
Tue Dec 12, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3473

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 Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3473

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: 2387

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: 1589

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: 8621

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: 1198

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: 2535

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: 4533

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: 11016

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: 1355

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: 831

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: 660

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: 47
Views: 4588

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: 4231

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: 131
Views: 19053

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: 276
Views: 26502

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: 1201

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: 2927

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: 6284

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: 20046

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: 1249

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: 15799

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: 4721

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: 3550

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: 6571

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: 2185

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: 1447

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: 4898

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: 11579

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

I spend 5% of gross income on rent.
by avenger
Sun Jun 04, 2017 6:32 am
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3684

Re: Dealing with Impatience reaching financial goals

I used to be more this way, but the longer I invest and the more milestones that come and go, the less I think about it or even notice them. It may also be because I am thinking a lot more about life goals and milestones than simply financial or net worth goals/milestones lately. At the end of the ...
by avenger
Sun Jun 04, 2017 6:03 am
Forum: Investing - Help with Personal Investments
Topic: IPS Guidelines for Small to Large Windfalls?
Replies: 12
Views: 1152

Re: IPS Guidelines for Small to Large Windfalls?

Mine says to put all windfalls toward debt repayment. All of my debt is about to be paid off this month. Guess it's time to come up with a new IPS guideline for this category!
by avenger
Thu May 04, 2017 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you know exactly what % of income you spend?
Replies: 48
Views: 4263

Re: Do you know exactly what % of income you spend?

Of gross salary...

20% spending
50% saving
30% taxes
by avenger
Sun Apr 30, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8816

Re: Favorite Financial Indulgences

Just bought the new 15" MacBook Pro with every possible upgrade.
by avenger
Fri Apr 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7770

Re: My Doctor says I am "unusual" (declining some blood tests)

This is financial - not health/medical! Without going into the medical/health specifics, I regularly (usually annually, as recommended) see an Endocrinologist, who always orders speficic Thyroid tests related to my Thyroid situation/history. In recent years, I can see all of the blood tests (and re...
by avenger
Fri Apr 21, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7770

Re: My Doctor says I am "unusual" (declining some blood tests)

This is financial - not health/medical! Without going into the medical/health specifics, I regularly (usually annually, as recommended) see an Endocrinologist, who always orders speficic Thyroid tests related to my Thyroid situation/history. In recent years, I can see all of the blood tests (and re...
by avenger
Fri Mar 24, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 4181

Re: can't logon to vanguard account

You're not alone.
by avenger
Thu Mar 23, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio. Now considering 4
Replies: 6
Views: 758

Re: 3 Fund Portfolio. Now considering 4

Why complicate things? Has something changed?

Confession: I don't have a three fund portfolio. :mrgreen:
by avenger
Tue Mar 21, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4823

Re: Debating a weekend in Chicago (south side)

4) Wicker Park/Bucktown. These are the areas to the West of Old Town and Lincoln Park. There's a nightlife area around the intersection of North Ave/Damen Ave/Milwaukee Ave. There's also a blue line stop there (Damen). Fun area. Big Star is a great place to go early, get a table outside and eat tac...
by avenger
Sun Mar 19, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3657

Re: Where do you save for large purchases?

I have an overall portfolio allocation that accounts for all needs (retirement, long- and short-term, emergency) which is on the conservative side. My taxable account makes up the majority of my portfolio, so I have easy access to cash should I need it.
by avenger
Fri Mar 17, 2017 4:49 am
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2054

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Toons wrote:Most everything is available online, or
I scan it and save to Google drive. :happy
Very little paper.
This. I don't have any paper. Everything is online.
by avenger
Sun Mar 12, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3130
Views: 921716

Re: What Movie Have You Recently Watched?

Saw Logan last night. Was disappointed. Without all of the gratuitous violence, there really wasn't much of a story there.
by avenger
Sat Mar 11, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 21
Views: 2015

Re: Buy a house? But there's a student loan elephant in the room

Those student loan amounts take my breath away, but you're not screwed. After maxing out retirement accounts, I would throw every available penny at the debt, however. I would not buy a house until the student loan debt is gone.
by avenger
Thu Mar 09, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 13696

Re: Do you use lifestrategy/ asset allocation funds?

I am wondering if any one uses the vanguard life strategy fund, target date fund or other asset allocation fund. Mainly I want to know if you use it to avoid having to re-balance even though you could get a slightly lower cost and more customized allocation by buying individual funds? Any other rea...