Search found 68 matches

by Kemosabi
Tue Mar 30, 2021 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: 200k Where do I put it for 12 months
Replies: 23
Views: 3106

Re: 200k Where do I put it for 12 months

Based on their web site, the East Boston Business Interest Checking Account earns a whopping .05%! :moneybag

https://www.ebsb.com/business/banking/c ... t-checking
by Kemosabi
Mon Mar 29, 2021 7:22 am
Forum: Personal Finance (Not Investing)
Topic: 200k Where do I put it for 12 months
Replies: 23
Views: 3106

Re: 200k Where do I put it for 12 months

What bank is paying 2% checking now? Please, do share
by Kemosabi
Sun Mar 07, 2021 9:02 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 1156
Views: 152006

Re: What is your age and asset allocation ?

58 and still working. Have reached ‘critical mass’ and can afford to stop working. AA currently 70/30 though have leaned towards 60/40. With fixed income yield insignificant, comfortable with higher equity percentage.
by Kemosabi
Thu Mar 04, 2021 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 1217
Views: 224010

Re: High Earners - What's Your Profession?

Orthopedic surgeon. Addicted to Bogleheads
by Kemosabi
Mon Mar 16, 2020 8:34 am
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 10327

Re: Who is continuing to buy as planned?

I almost never try to time the market, except in these type situations.I have shifted about 6% MMF into equities after the market tanked 10%. Sank another 2% into equities from fixed income when it was 20% down. As long as I have some dry powder, will do the same if/when it drops 30%. Purchases split between FTSE ex US and small cap value. In addition, continuing to dollar cost average monthly as before. Overall allocation a bit off, but close to desired.
by Kemosabi
Thu Aug 15, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 9359

Re: Use Vanguard MM Prime for cash rather than local bank?

It would be great if there was no minimum for check writing for VG MM accounts. The need for a bank would be eliminated
by Kemosabi
Mon Aug 12, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3909

Re: Checking credit card statements

Always check your statements. The challenge is getting your spouse to do the same, as she (he) may be the one doing most of the purchasing :D
by Kemosabi
Thu Aug 08, 2019 9:07 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 7385

Re: thoughts on international funds

And when VEU outperforms, the same questions will come up discussing dropping VTI. Stay the course.
by Kemosabi
Sun Jan 18, 2015 9:08 am
Forum: Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 24064

Re: Should I Declare Victory and Pack It In?

[Personally identifiable information removed by admin LadyGeek, see below.], you don't have nearly enough. How much of your savings is accessible now and how much is in tax advantaged? Doing [(removed) --admin LadyGeek] would make it possible but otherwise I think it will be tight. I'm tired too and have the same temptations. Good luck!
by Kemosabi
Thu Nov 06, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 121
Views: 24478

Re: Career Advice for an Unhappy Young Doctor?

It is definitely NOT worth the money, prestige, or respect one may receive being a physician if you hate your job. Depending on the field you are in, the hours may be terrible, the stress is huge, liability risk never goes away, and reimbursements for all fields continue to plummet. Like anything else, it becomes a job and you must enjoy what you do. Otherwise you may look back on your life and feel it has been a waste, despite the perceived benefits of being a doctor.
by Kemosabi
Sun Nov 02, 2014 9:24 am
Forum: Personal Consumer Issues
Topic: Home phone [service provider]
Replies: 15
Views: 1693

Re: Home phone

What about 'Magic Jack'?
by Kemosabi
Sun Apr 01, 2012 4:45 pm
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 12617

Re: [POLL] How many miles on your car?

BMW X3 (non boglehead car) 92,000 miles. Plan to drive it until it dies (hopefully well in excess of 200,000 miles).
by Kemosabi
Sun Mar 18, 2012 6:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1566094

Re: What Book Are You Currently Reading? Part V

Just finished Jack Welch's autobiography 'From the Gut'. Interesting, I never met Jack but grew up with his kids in Pittsfield, Mass.
by Kemosabi
Sat Oct 22, 2011 8:54 pm
Forum: Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 73621

Re: What is your age and AA?

48 years old.

Around 65% equities and 35% bonds and a little cash. Nearly all index funds and ETFs. But the percentages you choose and risks you are willing to take should reflect the actual size of your portfolio.
by Kemosabi
Fri Jun 17, 2011 5:34 pm
Forum: Personal Consumer Issues
Topic: how many Bogleheads are divorced vs still married?
Replies: 98
Views: 13208

Seventeen years. Time does fly.
by Kemosabi
Sun Mar 27, 2011 3:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 403091

Deception, by Jonathan Kellerman.
by Kemosabi
Sun Feb 27, 2011 7:44 am
Forum: Personal Consumer Issues
Topic: NY Yankeees, John Sterling and Suzyn Waldman - WHY???
Replies: 24
Views: 3665

How could anyone leave out the famous NY Mets trio announcers Ralph Kiner, Lindsay Nelson, and Bob Murphy?
by Kemosabi
Sat Feb 19, 2011 6:12 am
Forum: Personal Consumer Issues
Topic: "Where were" you on March 9, 2009?
Replies: 91
Views: 10696

I listened to my physician colleague lament and plan to sell everything to cash, while I declared a huge buying opportunity and rebalanced.
by Kemosabi
Wed Jan 26, 2011 7:42 pm
Forum: Personal Investments
Topic: Any interest in Japan?
Replies: 3
Views: 1023

Any interest in Japan?

Japan has been down for over 2 decades. Any interest in increasing their Japanese component of their international portion of their portfolio? ETFs JPP or ITF? The Japan portion of the Vanguard international ETF is just over 13%

http://www.smartmoney.com/investing/sto ... -tempting/
by Kemosabi
Fri Jan 14, 2011 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Calling all MDs! Help with first contract...
Replies: 16
Views: 3480

Also, with the help of a lawyer, compare your contract with the other partners' contracts to make sure it is consistent. Find out if there is any type of 'buy in' for shares of the ancillaries (labs, xray, therapy, etc), accounts receivables, or buildings that may be owned by the group. Ask recently made partners if there were any surprises after they completed their two years as an employee. Good luck!
by Kemosabi
Thu Dec 23, 2010 5:48 pm
Forum: Investing - Theory, News & General
Topic: What's Your Allocation to High Yield Bonds?
Replies: 80
Views: 11591

10% of my bonds, 3.5% of total.
by Kemosabi
Tue Nov 30, 2010 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Total International Admiral available
Replies: 76
Views: 10602

I'm in. Thanks for the heads up.
by Kemosabi
Wed Nov 24, 2010 4:28 pm
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 98
Views: 12703

Vanguard Total Bond Index (tax def) (27.5%)
Int Tax Exempt Muni (55%)
Long Term TE Muni (7.5%)
TRowe Price Tax Exempt High Yield (10%)

about 35% overall allocation fixed
by Kemosabi
Sun Nov 07, 2010 9:32 pm
Forum: Investing - Theory, News & General
Topic: Poll: How many trades did you have in October 2010?
Replies: 73
Views: 6600

New money going in to maintain AA. No timing.
by Kemosabi
Sat Nov 06, 2010 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability Insurance
Replies: 5
Views: 1143

Also, make sure you pay your premiums in post-tax dollars. Otherwise your payments will be taxable.
by Kemosabi
Sun Oct 17, 2010 11:10 am
Forum: Personal Investments
Topic: What's your fixed income portfolio look like?
Replies: 68
Views: 10723

TRP Tax Exempt High Yield
Vanguard Intermediate Tax Exempt
Vanguard Long Term Tax Exempt
Vanguard High Yield Corporate
Vanguard Total Bond Index


Any strong feelings for diversifying with a global/international bond fund?
by Kemosabi
Sun Oct 03, 2010 8:45 am
Forum: Personal Consumer Issues
Topic: Where do the Bogleheads live?
Replies: 87
Views: 13172

Interesting.
by Kemosabi
Sat Sep 25, 2010 9:25 pm
Forum: Investing - Theory, News & General
Topic: What Do You Do with Your Play Money?
Replies: 28
Views: 4894

I'm not really into gambling.
by Kemosabi
Sat Sep 25, 2010 9:21 pm
Forum: US Chapters
Topic: Why Did You Choose Your Username and Avatar?
Replies: 377
Views: 19941

My doggie.
by Kemosabi
Tue Jul 13, 2010 6:38 pm
Forum: Personal Consumer Issues
Topic: Disney at Thanksgiving?
Replies: 15
Views: 2962

I did WDW Thanksgiving holiday weekend with my wife and 6 year old and another family with a young child about ten years ago. Although it was full, it was worth it and enjoyable. No regrets. The other option is to take your kid out of school and visit during non holiday time.
by Kemosabi
Sun Apr 25, 2010 8:58 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What percentage of your portfolio is in stocks?
Replies: 47
Views: 8742

I'm about 70% stocks, not counting equity in home. Trying to harvest some losses and get it down to 65%.
by Kemosabi
Sun Jan 31, 2010 8:48 am
Forum: US Chapters
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 91338

Count me in. Orthopedic surgeon, 16th year in private practice. Agree with all stated concerns, especially the incredible reality that most intelligent physician colleagues have very little investing knowledge or desire to learn.
by Kemosabi
Sun Dec 13, 2009 1:39 pm
Forum: Personal Consumer Issues
Topic: Unnoticed ambiguity: "Eastern Shore"
Replies: 52
Views: 7689

Born and raised in Jersey, the correct terminology is going 'Down the Shore', not 'down to the shore'. Just listen to some Springsteen songs.
by Kemosabi
Sun Oct 25, 2009 6:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312018

Currently reading John Grisham's The Associate
by Kemosabi
Tue Sep 15, 2009 10:45 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312018

The Lexus and the Olive Tree. Interesting pre-9/11 thoughts and the early rise of the internet.
by Kemosabi
Sat Aug 29, 2009 4:31 pm
Forum: Personal Consumer Issues
Topic: Been to Atlantis Resort, Nassau??
Replies: 12
Views: 3074

Atlantis

We've been there twice. It's great, but a bit pricey. It has expanded quite a bit in recent years, adding many more water park rides, dolphin encounters (you used to have to do an off site excursion for this), many more upscale restaurants, and more deluxe rooms. The Royal Towers is one of the best places to stay at the resort as well. Tons of pools, great beach, and plenty of activities for all.
by Kemosabi
Sun Apr 12, 2009 8:41 pm
Forum: Personal Consumer Issues
Topic: Poll for Docs: Do you wear a white coat?
Replies: 46
Views: 8437

As an orthopedic surgeon, I used to wear one, but stopped about two years ago. It frequently gets too hot wearing it and gets pretty uncomfortable. For casting, injections, dressing changes, and minor procedures in the office, I just roll up my sleeves and put on gloves when necessary.
by Kemosabi
Sun Mar 01, 2009 9:05 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation today?
Replies: 67
Views: 13620

46 years old

65% equities (of this 25% international)
33% bonds
2% cash

desired allocation 70/30

Have added new money to attempt to rebalance, but with the market drop so drastic, it hasn't quite made it back to desired AA. I did some TLH as well. Looking forward to the eventual massive rebound.
:shock:
by Kemosabi
Sat Feb 21, 2009 12:49 pm
Forum: Investing - Theory, News & General
Topic: Be greedy when others are fearful...
Replies: 59
Views: 11797

Buying now? Heck yeah! Buying VTI and VEU with cash as it accumulates to rebalance when the Dow falls below 7500. A six year low is as close to a fire sale as one can get. Asset allocation remains unchanged, and not selling any fixed income to buy equities, just cash. It's NOT different this time. The blood is on the street and the ducks are quacking! I know it's easier to buy at 10 or 12,000, but now is the time to start adding stocks.
by Kemosabi
Sat Dec 27, 2008 6:29 pm
Forum: Personal Consumer Issues
Topic: Best medical specialist - possible bone loss?
Replies: 36
Views: 6933

If you are experiencing pain secondary to your osteoporosis, you should consider an evaluation by an orthopedist, as you may be developing an impending pathologic fracture. Otherwise, you primary care physician, endocrinologist, or rheumatologist should suffice. Good luck.
by Kemosabi
Fri Dec 19, 2008 10:38 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312018

The Gatehouse by Nelson Demille
by Kemosabi
Fri Dec 12, 2008 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians...Disability Insurance
Replies: 23
Views: 6633

I use the Life Insurance Company of Boston and NY, administered through Charles Sellers &Co. This is endorsed by the local medical society (Dutchess County NY) and offers specialty specific insurance (ortho). Anybody have any experience with them?
by Kemosabi
Thu Dec 11, 2008 10:27 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 312018

Compulsion by Jonathan Kellerman
by Kemosabi
Sun Dec 07, 2008 8:21 am
Forum: Personal Investments
Topic: Paying Off the Mortgage Rules !!!!!!!
Replies: 85
Views: 17773

I agree about the bird in hand, but, a mortgage rate at 4.75% fixed is nothing to sneeze at, it gives the only significant tax deduction on interest paid, and the money invested should do better long term invested in diversified index funds (in theory) than 4.75%. Emphasis on the 'long term'. The question is, when does one reach diminishing returns for not paying off the remaining balance on the mortgage (under 100K of principle remaining)?
by Kemosabi
Fri Dec 05, 2008 9:14 pm
Forum: Personal Investments
Topic: Rebalance
Replies: 15
Views: 2909

It all depends on your total balance. 70/30 stocks to bonds will work if the bond amount is high enough that you can live off those dividends, or your 4% drawdown on principle per year is tolerable. Otherwise your allocation should be much more conservative. But hey, if that 30% fixed income is a very high number, you probably have achieved 'critical mass' and don't have to worry about it.
by Kemosabi
Mon Nov 24, 2008 7:26 pm
Forum: Investing - Theory, News & General
Topic: What is your current Age and Asset Allocation?
Replies: 106
Views: 20967

Just turned 46, wife, teenage daughter, 3 year old dog.

cash 1%
bonds 33%
US equities 45%
international 21%

Frequently rebalancing on the market lows (Dow 8000) to try to get back to my desired allocation of 70/30 stocks/bonds. Committed now to wait until after 1/1/09 until next rebalancing, regardless of market values. I'm done trying to time the market!
by Kemosabi
Tue Nov 18, 2008 8:29 am
Forum: Investing - Theory, News & General
Topic: Rebalancing Vs Not Rebalancing
Replies: 26
Views: 5131

The question is not whether or not to rebalance (you should rebalance to your desired asset allocation), it is when to rebalance. If your set plan is to evaluate your portfolio and rebalance accordingly annually, biannually, or quarterly, so be it. Stick to it. Just because your allocation may deviate from your desired percentages on a daily basis does not mean you have to rebalance every time it is out of whack. Otherwise, you are market timing.

That being said, I find it incredibly difficult to resist rebalancing frequently when the market bottoms out as often as it has been and potentially missing a great buying opportunity.
by Kemosabi
Wed Nov 12, 2008 10:08 pm
Forum: Personal Investments
Topic: ARRRGGHHH! Re-balancing blues...
Replies: 13
Views: 3059

I was going to wait until my semi-annual rebalancing date (12/31) but stocks dropped sooo low in October, that on the two low dates, I added to my equities with some dry powder, as well as did some tax loss harvesting. I keep telling myself that the sky is not falling and this time it is not different, and these are bargain prices.
by Kemosabi
Mon Nov 10, 2008 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Vanguard's Direct Deposit Service?
Replies: 11
Views: 3613

My paycheck gets direct deposit into my NY Tax Exempt MM account. From there, I will write checks greater than $250 and periodically transfer funds into my local checking account for ATM use and online bill pay for smaller checks (HSBC). That way I maximize tax exempt interest earned as soon as the money is dumped into my Vanguard account, rather than waiting for the money to be transferred to Vanguard from checking.
by Kemosabi
Mon Nov 10, 2008 9:02 pm
Forum: Personal Investments
Topic: Even More Tax Loss Harvesting
Replies: 6
Views: 1725

Well, I spoke to VBS this morning and they stated the settlement date for mutual fund sales is three days after the sale, while for the sales and purchases of stocks andETFs is the next day. I sold the mutual funds as planned (to be transacted 4PM today) and bought the ETFs midmorning. To avoid market timing I should have waited until the day's closing, but I did the purchase at the time of the fund sale. The tax loss is realized and will hopefully used to offset some major gains (and 3K in income per year) in the very near future.