Search found 251 matches

by catchup
Tue Oct 07, 2008 4:29 pm
Forum: Investing - Theory, News & General
Topic: Any Good Economic/Investment News?
Replies: 40
Views: 6736

We will have one more dependent to declare for our 2009 taxes! How's that for good investment news!
by catchup
Mon Sep 22, 2008 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for a SIMPLE IRA?
Replies: 17
Views: 2818

The accountant I informally spoke to advised me "just to be safe" to deposit my checks into a separate checking account and to run everything through that account. Seemed like a good idea. Problem is that I haven't done that so far this year, and I've been using those checks to fund our random cash ...
by catchup
Sun Sep 21, 2008 11:15 pm
Forum: Personal Investments
Topic: Should I pay off a 5.75% mortgage?
Replies: 72
Views: 12960

As a lay person with huge education and financial debt, I have struggled with how to apply Mr. Swensen's advice regarding debt.

If Swensen writes another book, I hope he'll devote a few pages to elaborating this concept in real life situations.
by catchup
Sun Sep 21, 2008 11:00 pm
Forum: Personal Investments
Topic: Bond allocation question
Replies: 22
Views: 4176

For what it's worth, David Swensen's example portfolio "recommends" 50% TIPs and 50% treasury bonds.
by catchup
Sun Sep 21, 2008 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for a SIMPLE IRA?
Replies: 17
Views: 2818

I'm not an expert, as you know, just a dumb surgeon. But I would think that having your TSP means you have another retirement plan, violating the precondition you specify for eligibility for a simple IRA. I talked with an accountant friend of mine (not my current accountant" who informally told me a...
by catchup
Sun Sep 21, 2008 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for a SIMPLE IRA?
Replies: 17
Views: 2818

What is your TSP?
by catchup
Thu Sep 18, 2008 10:50 pm
Forum: Forum Issues and Administration
Topic: should discussion of politics be allowed in this forum
Replies: 43
Views: 9384

I appreciate and agree with the no politics policy. I hear so many unreasonable opinions all day long, however, that I would love to know what some of the most fiscally reasonable people on earth (Bogleheads) are actually thinking. (Sigh)... I guess I'll never know.

catchup
by catchup
Sun Sep 14, 2008 10:56 am
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

One more thing,

I'm stuck with my Oppenheimer investment in my 403b for 18 months and have maxed out on my contribution for this year, so I am not going to solicit any more advice on that issue, for now.

Thank you, though.

Sincerely,

catchup
by catchup
Sun Sep 14, 2008 10:49 am
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

I want to update those who have helped me on my progress. We've decided to stick to 28% fixed income, 19% Reits, 10% EM, 14% developed foreign markets, and 29% domestic. To relieve some of the financial stress, risk, anxiety, etc. I have first increased the amount of money needed in my checking acco...
by catchup
Sun Sep 14, 2008 10:08 am
Forum: Investing - Theory, News & General
Topic: The 7 Habits of Highly Effective People
Replies: 24
Views: 7347

Thanks, Laura. I finally bit the bullet today. I transferred shares from em to all world ex-US to tax loss harvest $3000. I'll worry about next year next year. By transferring (a limited amount) into another foreign fund, especially one that has 20% EM, hopefully I can limit the damage to my overall...
by catchup
Sun Sep 14, 2008 8:11 am
Forum: Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 67
Views: 12581

Thank you, David, for your very thorough and thoughtful response. This is just the clarification I needed!

Steve
by catchup
Sat Sep 13, 2008 4:10 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 67
Views: 12581

Is there any advantage/disadvantage to tax loss harvesting before/after an expected distribution. If it is relevant, the three funds I hold in taxable accounts, all of which have losses since starting to invest in November, 2007, are total stock market, emerging markets, all-world ex-US-- vanguard, ...
by catchup
Sat Sep 06, 2008 9:39 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 67
Views: 12581

Livesoft, Thank you for your reply. I agree. Will start learning about EEM and ETF's, as you suggest. I think researching this area about which I am admittedly naive is a better option than just selling and parking it into a money market fund or avoiding the opportunity to tax loss harvest altogethe...
by catchup
Sat Sep 06, 2008 9:30 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 67
Views: 12581

Livesoft, Thank you for pointing out the concern about staying out of emerging markets for 31 days. I have finally settled on my asset allocation and am fine tuning my actual portfolio to match my planned allocations. It unnerves me to think about throwing all of the percentages off, selling low and...
by catchup
Wed Sep 03, 2008 1:45 pm
Forum: Investing - Theory, News & General
Topic: The 7 Habits of Highly Effective People
Replies: 24
Views: 7347

set it and forget it

Laura, Are "set it and forget it" and tax loss harvesting mutually excusive efforts? In the accumulation phase, tax loss harvesting can throw off the asset allocation for a short time, perhaps with some risk of missing out on a rise in value of the assets dumped. More to the point, it requires extra...
by catchup
Mon Jul 07, 2008 6:16 pm
Forum: Personal Consumer Issues
Topic: Civic or Focus For Next Car?
Replies: 57
Views: 13509

At the risk of sounding redundant, I recommend looking at the website informedforlife.org before buying any new car. It has some very interesting data on car safety, compiling the results of various crash testing agencies with the weight of the car, to rank the relative safety of the cars in questio...
by catchup
Fri Jul 04, 2008 9:16 am
Forum: Personal Investments
Topic: What % of Total Stock Market (US) is REIT?
Replies: 28
Views: 4347

Do people adjust their allocation to REITs accordingly or do they ignore the 2% for practical purposes?
by catchup
Mon Jun 30, 2008 3:29 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord Coupe VS 2008 Nissan Altima Coupe
Replies: 27
Views: 11025

Check out informedforlife.org for some valuable safety information. Seems to me that the 2009 Accura TSX is the safest 2009 car on the road, beat only by the (2008) Accura RL. Seems that it's based on the European Honda Accord.
by catchup
Sun Jun 08, 2008 6:13 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

No 401 k match.
Also the options are terrible, with ER's up to 2 %, mostly in the 1.3-2.6% range.

I put it in Oppenheimer since it most resembled a vanguard type allocation, such as TSM, for simplification, as opposed to American Funds Retirement 2050 with ER of 2% and all over the board.
by catchup
Sun Jun 08, 2008 6:11 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

The 529 contributions to the WV plan are new to us as well. I have a DFA allocation which is all equity, to include 5% EM. I may adjust it according to their age adjusted categories after this year. Laura and others were helpful in advising me about this on another thread. No load. We were almost to...
by catchup
Sun Jun 08, 2008 6:03 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Paul, The American funds funds are world funds. I have adjusted for those by using the Morningstar Instant x-ray. My allocation makes it easy. If domestic to foreign is less than 2:1, then I need more domestic (either reits or TSM). If it is greater than 2:1, I will need more all world ex.US and EM....
by catchup
Sun Jun 08, 2008 5:59 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Paul, It is gratifying to hear your opinion, mainly because it is different than grabiners. It therefore proves this is a valid question for this forum, and for me to be asking myself before throwing my money into one place all at once. Part of me wants to do just what you said and build to my asset...
by catchup
Sun Jun 08, 2008 2:39 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Emergency Funds: 40-50k, Money Market and checking enough for 3-6 months expenses, depending on how expenses are defined. Debt: $142,500 school loans 5 1/8%. (Paying down over next 5-8 years) Mortgage: 6 1/8 15 year mortgage, 90k equity, 250 debt. Home is on market due to a move. Tax filing status: ...
by catchup
Sun Jun 08, 2008 12:44 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

You are right, I am not a very experienced investor, which is why I have been trying to educate myself. The reason I have chosen the Swensen portfolio is that his arguments make sense to me, they are based on sound principles that are echoed throughout the lay and professional literature on personal...
by catchup
Sun Jun 08, 2008 9:15 am
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

ER Doc The debt I'm referring to is student loan debt from med school. It is no longer deductible due to my income bracket. The rate is 5.25 with a reduction for automatic payments to 5.125. I'm paying about 600 a month in interest + about 1700 per month in principle these days. this puts me in the ...
by catchup
Sun Jun 08, 2008 2:36 am
Forum: Personal Investments
Topic: Help. Fixed income allocation in the face of huge loans.
Replies: 3
Views: 1128

How do I delete the thread? I added this info to my previous post, per suggestion. Thanks.
by catchup
Sun Jun 08, 2008 2:34 am
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

I posted my desired allocation in the original post. However, I have huge loans. It doesn't seem to make sense to have a lot of money in TIPs/treasuries that are earning 2-3% yields, when my loan is at 5 1/8%. I am paying my loan off slowly, and socking away a substantial amount of money into saving...
by catchup
Sun Jun 08, 2008 2:23 am
Forum: Investing - Theory, News & General
Topic: Do you guys like Swenson's (Yale) recommendation?
Replies: 28
Views: 8084

Where did people get the idea to include energy as a separate asset class?

I like the idea. I'd like it even better if Swensen recommended it. For a non-expert like myself, I'm best off sticking to a strategy that an authority has demonstrated to be reasonable.
by catchup
Sat Jun 07, 2008 6:37 pm
Forum: Personal Investments
Topic: Help. Fixed income allocation in the face of huge loans.
Replies: 3
Views: 1128

Help. Fixed income allocation in the face of huge loans.

I am struggling with an asset allocation question: My desired asset allocation in 7-10 years is as follows: 29% domestic equity 14% foreign developed markets 10% EM 19% REITS 14% TIPS 14% Intermediate treasuries However, I have huge loans. It doesn't seem to make sense to have a lot of money in TIPs...
by catchup
Fri Jun 06, 2008 1:42 pm
Forum: Investing - Theory, News & General
Topic: Do you guys like Swenson's (Yale) recommendation?
Replies: 28
Views: 8084

There was a thread on this forum a while back talking about a talk in Sweden. There was a link to the talk. He didn't say what he would decrease. Personally, I am taking 1% from each of the other 5 asset classes and giving it to EM. I have just built up my position to 10%. What I am having trouble w...
by catchup
Fri Jun 06, 2008 1:00 pm
Forum: Investing - Theory, News & General
Topic: Do you guys like Swenson's (Yale) recommendation?
Replies: 28
Views: 8084

You may want to keep in mind that Swensen recently said during a talk that if he were writing his book today, he would recommend 10% EM.
by catchup
Thu May 29, 2008 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 39
Views: 7579

Thank you for all of your comments. I requested a new copy of my policy, so I can review the details and see how your comments pertain to the specifics of my policy.
by catchup
Sun May 11, 2008 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: When is it time to buy a new car?
Replies: 35
Views: 9309

Honda Pilot; Costco

Somebody asked me about my honda pilot and buying from costco. I started to post a reply, but was interrupted. If you see this, please message me again and I will try to reply. The original message, I think, is lost.

Thanks.
by catchup
Sun May 11, 2008 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 39
Views: 7579

Thanks, it's helpful to have those numbers for comparison: % of income that's being protected cost of insurance per x dollars of income. My position is close to Emergency Docs, since I am a physician myself. I am only protecting a fraction of my salary. However, a huge portion of my salary goes to s...
by catchup
Sun May 11, 2008 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 39
Views: 7579

Disability Insurance

I just received another bill for supplemental disability insurance. I seem to have two policies, both of which don't touch my salary and both of which would not be enough to live on, when combined. At the same time, I am trying very hard to pay off loans and a mortgage, and to catch up on my retirem...
by catchup
Mon Apr 28, 2008 11:42 am
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

will look into the simple too. thanks.
by catchup
Mon Apr 28, 2008 11:39 am
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Emergency Doc,

Since I don't know what tracking error is, I don't think it will bother me much.

catchup
by catchup
Sun Apr 27, 2008 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: When is it time to buy a new car?
Replies: 35
Views: 9309

For what it's worth, I drove a '97 Saturn SL with air conditioning, doormats, and a right-sided mirror, with only 70,000 miles and thought I was the smartest person in the country. Bought it for cash and never had a car payment. Then I took it for a four hour drive. When I got out of the car to put ...
by catchup
Sun Apr 27, 2008 5:03 pm
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

That's a great idea.
We just paid 4500 for our secondary insurance (which has been very lucrative). The problem with those accounts is I don't know how much to set aside each year. However, the secondary insurance should be predictable.

thanks.
by catchup
Sun Apr 27, 2008 2:59 pm
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

Thanks, Kenner, I will check out the solo 401k. I am aware of variable annuities thanks to the threads on this forum. I appreciate the idea.
by catchup
Sun Apr 27, 2008 2:57 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Thanks for everyone's input and reassurance. I am going to continue to work toward this target portfolio.
by catchup
Wed Apr 23, 2008 6:01 pm
Forum: Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11679

Updated Swensen-like Portfolio

I am still a bit hesitant to disclose my assets in the recommended format, but hopefully I can do this soon and get some more good advice... However, in the meantime, what do people think of the following asset allocation, as a target, all Vanguard. 29% Total stock market (U.S.) 19% REITS 14% Foreig...
by catchup
Wed Apr 23, 2008 5:38 pm
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

I have contacted my accountant, who feels there may be some good options for deferring additional income. We will be meeting soon. Thanks, everyone, for giving me a head start.

Catchup
by catchup
Wed Apr 23, 2008 6:33 am
Forum: Personal Investments
Topic: kids education saving account in Vanguard
Replies: 11
Views: 2818

...And if we're fortunate enough to have another healthy child, I will probably put new money into the age-based allocation for a 4-6 year old off the bat, as Laura suggested, even if he is a newborn.

Thanks for the good idea.
by catchup
Sun Apr 20, 2008 7:51 pm
Forum: Personal Investments
Topic: kids education saving account in Vanguard
Replies: 11
Views: 2818

Kellyfj, Thanks for your perspective. For a 2 year old, with potential younger siblings to come, with 4 years of college, and potentially graduate school, my time horizon for the 529 is at least 16-24 years, so 60/40 is a little too conservative for me. I'm more inclined to go with Laura's suggestion.
by catchup
Sun Apr 20, 2008 7:45 pm
Forum: Personal Investments
Topic: kids education saving account in Vanguard
Replies: 11
Views: 2818

Thanks, Mikenz, for sharing your perspective.
by catchup
Sun Apr 20, 2008 4:03 pm
Forum: Personal Investments
Topic: kids education saving account in Vanguard
Replies: 11
Views: 2818

Laura, Thank you for your reply. My son's 529 is off to a good start thanks to a health insurance windfall from his NICU stay. By his third birthday, we'll have 72k +/- capital gains/losses/interest in his 529 funds. Roughly half will be in the West Virginia plan. The other half is was put into a co...
by catchup
Sun Apr 20, 2008 1:33 pm
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

Thanks, I didn't appreciate the links when I read your message.
by catchup
Sun Apr 20, 2008 1:28 pm
Forum: Personal Investments
Topic: kids education saving account in Vanguard
Replies: 11
Views: 2818

Laura, On a related topic, do you think that a plan which starts out at 100% equities for a 0-3 year-old and gradually adds fixed income starting at age 4 is not conservative enough? This is the way my West Virginia smart 529 select plan, based on DFA funds, is set up, so I went with it. I know it d...
by catchup
Sun Apr 20, 2008 1:12 pm
Forum: Personal Investments
Topic: Tax-deferred savings options
Replies: 14
Views: 4178

Thank you Livesoft. Do I have to start a corporation in order to start a self-employed account? Can I be self-employed if I'm employed by another hospital? If I were to do this in 2009, for example, may I contribute 15,500 plus "employer contributions?" I will check with my accountant? What is the a...