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Re: Expensive hobbies and possessions? (B/c you can...)

Mountain biking (doesn't have to be expensive but...) and espresso equipment (and other coffee brew methods). They're worth every penny to me though!
by AnesBH
Mon Mar 31, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9185

Re: How do I back-door Roth IRA?

I just found out that Vanguard held out ~$350 in state taxes during our back door Roth conversions January 2013. I'm making the calls today to straighten it out....

Edit: turns out it was my error :oops:
by AnesBH
Mon Mar 31, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I back-door Roth IRA?
Replies: 15
Views: 937

Re: Do you love your job? What do you do?

Anesthesiologist- I love my job! Hours are great, coworkers/atmosphere fun and efficient, great pay (the opportunity for extra work is abundant in my area as well), 9 weeks vacation, our PP group maxes out our retirement plans/HSA, etc. You'll get no complaints from me! Hi. I'm curious. Do you have...
by AnesBH
Fri Mar 21, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10085

Re: Do you love your job? What do you do?

Anesthesiologist- I love my job! Hours are great, coworkers/atmosphere fun and efficient, great pay (the opportunity for extra work is abundant in my area as well), 9 weeks vacation, our PP group maxes out our retirement plans/HSA, etc. You'll get no complaints from me!
by AnesBH
Fri Mar 21, 2014 6:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10085

Re: Advice on selecting medical school

ace1400 wrote: In reference to one of the comments above, Princeton doesn't have a medical school.


My mistake- The ENT I was referring to earned his undergrad at Princeton, his MD at Duke University.
by AnesBH
Sat Mar 01, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 1793

Re: Advice on selecting medical school

I reflect what others have written- choose the cheapest and don't look back. I work private practice with Caribbean trained MD's, several DO's, docs from Harvard, Princeton, state schools, etc, etc- no one cares about that only whether they're competent or not (which certainly doesn't depend on thei...
by AnesBH
Sat Mar 01, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 1793

Re: Should I Pay Off My Mortgage ?

It's amazing how this board is so excited about 3% Penfed CD's but everyone says don't pay extra on a 3% mortgage that if you paid extra has around the same duration and return. I have a 10 year 3% mortgage with around 8 years left as well, taking standard deduction so I'm going to pay down earn 3%...
by AnesBH
Tue Jan 21, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Off My Mortgage ?
Replies: 9
Views: 1062

Re: Can we retire early? How much will we need?

If I had to guess, we'd like to have $150K - 200K (in today's dollars) annually to do the things we want to do. Maybe this is high, but I want to retire wealthy. My guess is retiring at a younger age like this, we'd want to withdraw closer to 3% annually vs. 4%? So with that being said, how would I...
by AnesBH
Mon Dec 23, 2013 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Can we retire early? How much will we need?
Replies: 39
Views: 3228

Re: out of residency since 07 - please advise

I'm interested in learning a little more about cash balance plans as well. Hopefully someone will chime in and address the CB question the OP presented. Anyone?
by AnesBH
Sat Dec 21, 2013 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: out of residency since 07 - please advise
Replies: 20
Views: 2121

Re: Should I be reimbursing med expenses with HSA money?

We pay with after tax money but our health related expenses are next to nothing at this point in our lives (fortunately). We keep the minimum in our HSA Bank acct to avoid the fees and the rest (~$22k) we have in (no fee) VBR at TD Ameritrade. The triple tax advantage with HSA's as of now is too app...
by AnesBH
Tue Nov 26, 2013 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I be reimbursing med expenses with HSA money?
Replies: 10
Views: 685

Re: What home gym equipment do you have?

Our home gym...

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by AnesBH
Thu May 02, 2013 7:16 am
 
Forum: Personal Consumer Issues
Topic: What home gym equipment do you have?
Replies: 68
Views: 4904

Re: any suggestions on a ccw [Concealed Carry Weapon]

Seecamp makes a finely built pocket .380- the Rolex of CCW imo but some will want a larger caliber. For them a Rohrbaugh 9mm might be a good choice. This PDF might help... https://docs.google.com/viewer?a=v&pid=explorer&chrome=true&srcid=0B22wLsyYEkTOMDU4MjJlNTktOTRlZi00NTJkLWE0MGMtZmEwN...
by AnesBH
Thu Apr 25, 2013 6:56 am
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 6043

Re: Are these retirement fees reasonable?

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...
by AnesBH
Wed Mar 20, 2013 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Are these retirement fees reasonable?
Replies: 7
Views: 613

Re: Are these retirement fees reasonable?

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...
by AnesBH
Wed Mar 20, 2013 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Are these retirement fees reasonable?
Replies: 7
Views: 613

Are these retirement fees reasonable?

I recently moved my retirement funds into a Schwab PCRA I learned was available to me through our retirement fund. I was under the impression I would save some administration fees in addition to the ER savings using ETF's since all my money is self directed now. This is not the case however. I notic...
by AnesBH
Wed Mar 20, 2013 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Are these retirement fees reasonable?
Replies: 7
Views: 613

Re: Is Med School still a good financial investment?

My son asked me this question out of the blue when he was 10: "mom, how did you choose your career?" I immediately recognized this was one of those big life questions and thought quickly and carefully. After a few seconds pause, I answered...."well, son, there were 3 factors that wen...
by AnesBH
Sun Mar 03, 2013 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 7654

Re: Health Savings Account

I believe most who are eligible on the board probably have one- mine is through HSA Bank. There's a good discussion on the wiki site.
by AnesBH
Sun Mar 03, 2013 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 13
Views: 1497

Re: That Extravagant Thing You Do

It was foolish in hindsite but we love traveling and mountain biking so it's a perfect fit...

Image
by AnesBH
Tue Jan 15, 2013 9:26 pm
 
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 196
Views: 34020

Re: Financing medical school. Age 34, some savings.

At 34 years of age, you have accumulated a significant amount of savings, specifically $394,500! Congratulations![b] Why on earth would you jeopardize your financial future to even consider medical school now? If you go the medical school (4 years) and spend $160000 for the privilege , you still ha...
by AnesBH
Thu Jan 10, 2013 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Financing medical school. Age 34, some savings.
Replies: 63
Views: 5631

Re: Help with Schwab investing; Newbie...

I adjusted my suggestion in hopes that it helps. The cash remains where it is (my wife had the same response when I suggested a similar idea to her for our portfolio, so it didn't happen for us, either). You would make single, lump sum purchases of 3 International ETFS in the Schwab employer-sponso...
by AnesBH
Sat Jan 05, 2013 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Almost every brokerage has a no-transaction-fee list of mutual funds. That is probably what that refers to. However, it is my understanding that Vanguard is not on anybody's no-fee list (other than at Vanguard). TD Ameritrade has 32 ETFs from Vanguard commission-free. I saw that too when I moved my...
by AnesBH
Sun Dec 30, 2012 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...
by AnesBH
Sun Dec 30, 2012 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Some thoughts to mull over: Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 20% of stocks <--For simplicity, this is 23%, but only 15% of equity contributions would go here. Current total portfolio: Mid six-figures Taxable (14%) 14% Vanguard Total International St...
by AnesBH
Sun Dec 30, 2012 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

I am unable to move my retirement funds out of Schwab and I'd like to use the vanguard funds for simplicity. I think I can have access to the vanguard funds at schwab without transaction fees (I'll call Monday to find out). Sorry - I was scanning and missed the part about the PCRA. Nevertheless, th...
by AnesBH
Sun Dec 30, 2012 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...
by AnesBH
Sun Dec 30, 2012 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

I researched the Schwab funds and they look similar but either certain fees were higher or they werent rated as good, etc. If I can get the vanguard funds thru Schwab that's what I'm probably going to do. Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but...
by AnesBH
Sun Dec 30, 2012 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but investor share ER's should I just go with the ETF's? Paying transaction fees pretty much flies in the face of low cost investing. You can get Vanguard mutual funds at Vanguard without any transaction fees...
by AnesBH
Sun Dec 30, 2012 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

I really have to think my questions through so I can get them all in with a single post... :oops: Anyway, I assume the 401k, Pension and Safe Harbor are technically separate accounts with separate amounts of contributions, but they all have access to Schwabs PRCA. If so, will you let us know roughl...
by AnesBH
Sun Dec 30, 2012 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Cash as above plus collectables ~34% :confused I think Cash and collectibles should be in different piles. Also, collectibles may be a useful investment, but I think it goes beyond the scope of this forum. I don't even know how I'd begin to recommend allocation, contribution and rebalancing practic...
by AnesBH
Sun Dec 30, 2012 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Debt: $275,000 in a 10 yr home mortgage at 3% (recent refi from 4.3% but rolled $115k of student loan debt in to be able to deduct that interest ). Some of it at least. It depends on how much your old mortgage was. Any secured debt you use to refinance home acquisition debt is treated as home acqui...
by AnesBH
Sun Dec 30, 2012 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Your wife doesn't need to earn 5500 to contribute 5500 to an IRA. She can use your earnings. Assuming you file jointly. Thanks for reassurance on this- I got to thinking about that last night and re-read about this in the wiki and realized I still could max hers out because of mine. I'll correct my...
by AnesBH
Sun Dec 30, 2012 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Re: Help with Schwab investing; Newbie...

Welcome to forum, You don't want target fund in taxable http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement Schwab has funds for index (3) fund portfolio " With Schwab, investors can construct a three-fund portfolio using: [footnotes 1] Schwab Total Stock Market Index (SW...
by AnesBH
Sun Dec 30, 2012 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

Help with Schwab investing; Newbie...

Hello all! Firstly a sincere thanks. I've been lurking for a while...(blah, blah, so on and so forth) and have learned so very much from all of you and I really appreciate it. A little background- I finished school and training in 2006 and up until now all I've been doing is reducing debt but I am b...
by AnesBH
Sat Dec 29, 2012 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab investing; Newbie...
Replies: 35
Views: 1660

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