Search found 251 matches

by catchup
Sun Jul 11, 2010 4:15 pm
Forum: Personal Investments
Topic: Where to park 75k for unknown duration?
Replies: 20
Views: 3960

Where to park 75k for unknown duration?

I'm looking for suggestions on where to put 75,000 dollars that may or may not be used in the short term, with a completely undetermined time frame. Would like to have access to it if we need it (down payment, grad school for wife), but we might not actually need it and could ultimately invest it in...
by catchup
Fri Jul 09, 2010 5:25 pm
Forum: Personal Investments
Topic: Lease question
Replies: 14
Views: 2190

Put a down payment on my Subaru for a purchase at 2.9% financing for 63 months. Although I'm committeed to buying 100% of the car with a purchase, the financing is probably cheaper than with a lease so we'll likely pay less money to the bank. This also gives us a fair amount of flexibility to pay of...
by catchup
Wed Jul 07, 2010 1:42 pm
Forum: Personal Investments
Topic: Lease question
Replies: 14
Views: 2190

Ok, so with those figures, I pay a total of 34438.32 on the balloon loan scenario, which is less than what I would pay with the conventional loan. That's why I think lease/buy is comparable to buying with conventional financing, if the car is kept a long time. The variables include the amount that c...
by catchup
Tue Jul 06, 2010 5:02 pm
Forum: Personal Investments
Topic: Lease question
Replies: 14
Views: 2190

Lease question

We are currently getting ready to lease a Subaru legacy. The negotiated cost of the car will be in the ballpark of 30,000. Residual value will be in the range of 60%. My question is the following: Is it of benefit to us to put money down on the car in the form of a capitalized cost reduction? In oth...
by catchup
Mon May 31, 2010 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: ARG! Can I reduce my car expense?
Replies: 84
Views: 10498

I would find out if these costs are at all tax deductible. Perhaps if you received any income as a self-employed contracter or something?
by catchup
Wed Apr 28, 2010 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

Truth be told, I'm not that much of a car enthusiast. If I drove the 2.5 GT, the 4 cylinder, and the 6 cylinder, I probably wouldn't be able to identify which I was driving, without some education. That said, is the 6 cylinder the way to go, or the GT. Some of the trims also have CVT. My priorities ...
by catchup
Tue Apr 27, 2010 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

I may not be able to eliminate the need to respond to pages and phone calls while driving. I can try to minimize the safety hazards by purchasing a system that will allow me to keep my hands on the wheel and eyes on the road as much as possible.
by catchup
Tue Apr 27, 2010 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

Thanks for the info on comfort. Another reason for getting rid of the Saturn was that I got out of the car after a four hour drive and I could not move! Also felt that driving while in discomfort was a bit of a hazard, and contributed to driver fatigue.
by catchup
Tue Apr 27, 2010 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

nerverknow,

I agree, the Subaru's seem like great alternatives. Might be leaning toward sedan, therefore Legacy is on the radar.
by catchup
Tue Apr 27, 2010 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

Tramper Al, Why not consider some of the SUV's, crossovers, and wagons for yourself. We love our Honda Pilot, though safe and safer alternatives are rapidly expanding since we leased ours three years ago. I use informedforlife.org to try to put weight and crash test ratings in perspective. You may f...
by catchup
Tue Apr 27, 2010 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

deleted, as above
by catchup
Tue Apr 27, 2010 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

deleted
by catchup
Tue Apr 27, 2010 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

wjo, thanks for the tips.
by catchup
Tue Apr 27, 2010 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

gammapoint, It is hard to keep a car for a long time, especially now that the technology is improving and changing so fast. We've kept the Sonoma 10 years, even though we needed something different for the last 5 years, and our other recently sold car was a '97 Saturn SL, also with nothing but A/C, ...
by catchup
Tue Apr 27, 2010 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

Strafe,
I'm not sure I like the rear-wheel drive option for snow and ice, before the roads have been treated. That's what makes the cadillac cts undesireable at the affordable trim levels. Thanks for the suggestion, though.
by catchup
Tue Apr 27, 2010 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Volvo S80 vs. Subaru Legacy
Replies: 32
Views: 5228

Volvo S80 vs. Subaru Legacy

I am on the horns of a dilemma. We need to replace a 2000 GMC Sonoma truck that predates our marriage and two children with a safer, heavier, child-friendly vehicle. Safety is the number one priority. Keeping my wife happy is number 2. Being financially wise is number 3. We want a car that is heavy,...
by catchup
Fri Apr 16, 2010 1:40 pm
Forum: Personal Investments
Topic: When can we stop saving for retirement? (But not retire)
Replies: 74
Views: 12819

I agree, it all depends on what you want. If you have three kids at Harvard, your annual expenditures could be substantially higher than 75,000/ year for tuition alone. If you buy a home and your investments all drop in value by 35% rather than go up by 6-8% annually, for example, then you might be ...
by catchup
Fri Jan 15, 2010 8:48 am
Forum: Personal Investments
Topic: Modified David Swensen Portfolio
Replies: 12
Views: 3762

I did see that you have 15% TIPs. In that regard, you're starting off in a better place than I think I did. You're also figuring all of this out at an early age, obviously to your advantage. Sorry, I did jumble the all-world ex-us and all world ex us small cap when I read through your post quickly. ...
by catchup
Thu Jan 14, 2010 8:22 pm
Forum: Personal Investments
Topic: Modified David Swensen Portfolio
Replies: 12
Views: 3762

I was in a very similar situation 2 years ago when I decided to use a "modified" Swensen portfolio. I had come to almost the exact same conclusion as you about keeping the cash as a large proportion of fixed income, to be eventually reduced as I purchased TIPS and Intermediate Treasuries. One reason...
by catchup
Fri Nov 27, 2009 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Fair setup/arrangement for paying for kids college?
Replies: 103
Views: 12845

Have you received any legal advice regarding this issue? If I were you, I would want to help out as much as I could, and I would also be angry if ex is taking advantage of that. In a sense, you are going to be subsidizing her children's educations, since they are going to be able to divert their fun...
by catchup
Wed Nov 25, 2009 3:35 am
Forum: Investing - Theory, News & General
Topic: New Forbes.com column: "THE BOGLEHEADS' VIEW"
Replies: 97
Views: 14360

livesoft wrote:Hmmm, I see ulterior motives. This is a way for Forbes to piggyback off the Bogleheads brand.

Eventually Forbes buys out Bogleheads and things get transformed. I like it.
The Bogleheads are going to be famous! Finally, the fifteen minutes I've been waiting for my whole life.....Yes!
by catchup
Mon Nov 09, 2009 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Maintain old car or buy new car?
Replies: 58
Views: 12731

I seem to remember Consumer Reports doing an article about those who keep their cars 15 years or 125000 miles. Probably arbitrary, but the article seemed to imply that the frugal consumer will hit these numbers. My concern remains safety. My wife's old 2000 GMC Sonoma runs, and we don't owe payments...
by catchup
Sat Nov 07, 2009 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do major home improvements make sense as good investments?
Replies: 17
Views: 3680

Our real estate agent sent out something a couple of years ago which seemed to indicate that the value of the home rose by a large fraction, but not the entire amount of the money invested in major home improvements. My general memory/impression of the data.
by catchup
Fri Nov 06, 2009 1:24 pm
Forum: Personal Investments
Topic: Swensen Portfolio - international funds
Replies: 10
Views: 2173

Thanks for the reply, something definitely to consider...
by catchup
Fri Nov 06, 2009 12:53 pm
Forum: Personal Investments
Topic: Swensen Portfolio - international funds
Replies: 10
Views: 2173

I wrote off the ETF's because Swensen wrote they're not good for small amounts, I guess due to trading fees.
by catchup
Fri Nov 06, 2009 12:50 pm
Forum: Personal Investments
Topic: Question on transitioning portfolio to Swensen lazy port
Replies: 8
Views: 1811

I don't see any reason why you can't play with the percentages to get your exact desired allocation. The only issue is that your s and p fund is the only good option you have in your 401k. I have to compromise by using active funds in my 403b with high fees, I just run it through morningstar x ray t...
by catchup
Fri Nov 06, 2009 12:41 pm
Forum: Personal Investments
Topic: Swensen Portfolio - international funds
Replies: 10
Views: 2173

Yes, I think it's worth the fees. It's a small price to pay relative to the amount of dollars you are risking and doesn't substantially change the risk benefit ratio. You may want to try to avoid buying and selling in and out of the fund (churning) and rebalance with new money preferentially if you ...
by catchup
Thu Nov 05, 2009 10:19 am
Forum: Personal Investments
Topic: David Swensen - Unconventional Success Lazy Portfolio
Replies: 24
Views: 7074

Great information. Email him again and ask him more questions!
by catchup
Wed Nov 04, 2009 2:38 pm
Forum: Personal Investments
Topic: David Swensen - Unconventional Success Lazy Portfolio
Replies: 24
Views: 7074

I would read the book and his recent interviews so you can decide for yourself. For practical purposes, I have followed his model portfolio and advice to a T, although issues still arise depending on individual circumstances (for example, trying to figure out if it is better to own low interest trea...
by catchup
Fri Sep 25, 2009 4:32 pm
Forum: Investing - Theory, News & General
Topic: Help on Scary personal finance subjects
Replies: 72
Views: 11949

Maybe you could use that list of America's top fears and turn it toward finance, i.e. 1. Snakes: Bernie Madoff, Sanford, etc. 2. Speaking in public: public disclosure, exposure of finances such as a tax audit... 3. Heights: The higher you climb, the harder you fall, housing bubbles, dot com booms......
by catchup
Sun Aug 30, 2009 9:04 am
Forum: Personal Consumer Issues
Topic: 5 Years in Seattle: Rent or buy home?
Replies: 61
Views: 7379

I would not consider this as a pure investment question. Owning a house may not prove to be a wise investment. It is a place to live. If he wishes to undertake the various responsibilities of home ownership, including the hassle of potentially having to try to sell it, in order to live in a particul...
by catchup
Tue Aug 25, 2009 8:08 pm
Forum: Personal Investments
Topic: Vanguard variable annuity - ever recommend?
Replies: 24
Views: 4433

I personally would consider it if I am out of tax-advanataged space and need to purchase funds (e.g. REITs) to fulfill my asset allocation plan. The pros and cons I think have been nicely stated, perhaps by yourself, previously.
by catchup
Mon Aug 24, 2009 11:44 am
Forum: Personal Investments
Topic: surgical resident in need of portfolio advice
Replies: 21
Views: 3479

Hello. Congratulations on your career achievements and upcoming wedding. You have done well to find this forum. For what it's worth, I too am a surgeon. You're in a good spot right now. Here's my two cents. 1) Read or at least peruse a couple of books at the earliest opportunity. I happen to like th...
by catchup
Tue Aug 18, 2009 6:27 am
Forum: Personal Investments
Topic: Another college savings thread
Replies: 0
Views: 553

Another college savings thread

I, like others, grapple with the question of how much to save for college. Part of the difficulty stems from not knowing how much will be needed, based on inflation of costs, market returns, financial aid/scholarships, child potential, and future assets and income. I would like to be able to pay for...
by catchup
Tue Aug 18, 2009 6:11 am
Forum: Personal Investments
Topic: Need Urgent Help with Home Sale/Lease Negotiations
Replies: 14
Views: 2053

To all the naysayers,

You were right. Once we hired (and paid) for legal services and requested a credit and background check, the buyer turned sour grapes and withdrew her offer. House is still on the market.

Thanks for your valuable input.
by catchup
Sat Aug 15, 2009 12:43 pm
Forum: Personal Consumer Issues
Topic: Getting married next year but have a few concerns
Replies: 47
Views: 7128

For what it's worth, when I met my wife I was in a deep financial hole, mostly due to working 120 hours a week, being perpetually exhausted, and not being able to fill out student loan deferment forms on time, etc. I wasn't any good at making budgets, and had generally made some mistakes. I had 180,...
by catchup
Sat Aug 15, 2009 12:00 pm
Forum: Personal Consumer Issues
Topic: Starting a zoo from scratch -- your suggestions
Replies: 20
Views: 3609

There is a wonderful zoo in Wheeling, West Virginia started by Sam Good, called the Good Zoo. He started it in memory of his son, who died with brain cancer around the age of 7. He loved going to Oglebay Park. Mr. Good, and the Good Zoo would be a wonderful contact for you. He has told me the story ...
by catchup
Fri Aug 14, 2009 7:12 am
Forum: Investing - Theory, News & General
Topic: Ivy endowment from Kiplinder's
Replies: 5
Views: 1505

If I were to adapt the Swensen's institutional strategy for the average investor, I would probably turn to Swensen to see how he would adapt his strategy. Lo and behold, he's thought of that as well... The big differences between what Swensen has recommended for individuals are: 1) more funds, there...
by catchup
Tue Aug 11, 2009 8:20 pm
Forum: Personal Investments
Topic: David Swensen - TIPS
Replies: 86
Views: 12986

Thanks so much for your replies. Think I'll keep it simple and continue to fund the Vanguard TIPs and treasury bond funds as needed to maintain my asset allocations. When I have more at stake and want to step it up a level in terms of sophistication and potential returns, I'll know where to turn for...
by catchup
Tue Aug 11, 2009 8:14 pm
Forum: Personal Investments
Topic: Need Urgent Help with Home Sale/Lease Negotiations
Replies: 14
Views: 2053

Thanks for everyone's help. I appreciate especially the advice not to rush into anything, to get a lawyer and to consider the many fine points of such an arrangement. One thing we have going for us is that we have a good relationship with our real estate agent, and although she is representing buyer...
by catchup
Mon Aug 10, 2009 8:01 pm
Forum: Personal Investments
Topic: David Swensen - TIPS
Replies: 86
Views: 12986

So back to the original question and the original answer, (much of the discussion was above my head), do most people agree that Vanguard TIPs fund at an appropriate allocation is reasonable (at least for small contributions to a small portfolio) as an alternative to Swensen's recent recommendation o...
by catchup
Mon Aug 10, 2009 7:37 pm
Forum: Personal Investments
Topic: Need Urgent Help with Home Sale/Lease Negotiations
Replies: 14
Views: 2053

Need Urgent Help with Home Sale/Lease Negotiations

Hello. Don't have much time to act. We're trying to buy 48 hrs to go over the fine print of our offer, so I thought I'd also use this to get opinions from Bogleheads. Bought a house 3 years ago for 340,000 (mortgage) minus 20,000 cash toward essential maintenance work on the house. We paid 320 net, ...
by catchup
Sun Jul 05, 2009 8:36 pm
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 25157

post deleted by author
by catchup
Wed Jul 01, 2009 4:44 pm
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 25157

post deleted by author
by catchup
Wed Jun 17, 2009 7:41 pm
Forum: Personal Consumer Issues
Topic: 180 day letter
Replies: 2
Views: 1207

180 day letter

deleted by author
by catchup
Tue Jun 02, 2009 8:27 am
Forum: Investing - Theory, News & General
Topic: Swensen Recommends TIPS to Hedge ‘Substantial Inflation’
Replies: 40
Views: 9531

Is it possible to buy new issue tips and put them in an IRA account? I haven't followed the debate about new issue tips vs. tips funds, but it appears I may need some education. Or is it "dancing on the head of a pin?"
by catchup
Sun May 31, 2009 3:05 pm
Forum: Investing - Theory, News & General
Topic: Wealthtrack video with David Swensen 5/22 now available
Replies: 16
Views: 3874

Has anyone watched part 2 of the interview? I just subscribed to the free newsletter that supposedly grants access to the second half. Can't find a login for subscribers, though.
by catchup
Mon May 18, 2009 2:17 pm
Forum: Investing - Theory, News & General
Topic: Tight-Fisted Investing/Rick Ferri in WSJ
Replies: 82
Views: 19635

Regarding changes in asset allocation plans: Swensen has said that he evaluates the Yale asset allocation yearly at the same time each year. That doesn't mean that he makes any changes, but they do review their allocations. Within their set allocations, they also look for opportunities throughout th...
by catchup
Mon May 18, 2009 1:58 pm
Forum: Investing - Theory, News & General
Topic: Investing in ONLY LT Treasury Bonds?
Replies: 44
Views: 6681

According to my memory: The issue of duration of treasuries as recommended by Swensen was addressed elsewhere in this forum. Someone directly asked Swensen, and he replied that a mix of short and long term treasuries to approximate the duration of the Lehman bond index would be appropriate. Someone ...
by catchup
Fri May 08, 2009 4:52 pm
Forum: Personal Investments
Topic: Age-based 529 about to change
Replies: 8
Views: 1891

I have a WV 529 plan for my 3-year old, it is complicated by the fact that I also have an American Funds based plan that predated my Boglehead exposure. Anyway, here is how I am dealing with the WV plan. I chose a 100% stock allocation initially to correspond to the age-based suggestion, but I wante...