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Re: Portfolio sanity check please

Plan sounds reasonable to me
by Zeppcoustic
Fri Oct 03, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio sanity check please
Replies: 8
Views: 907

Re: Good scotch recommendations, where to buy

Great post. All the solid recommendations have been made. It really comes down to taste. What do you like? Smoky/peaty/sweet/smooth/citrus notes/etc? So many great whiskeys of the world to enjoy. Of course, American bourbons. Japan has been making a nice product for a while. One of my favorites is t...
by Zeppcoustic
Fri May 02, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9784

Re: 403b pre vs post-tax contribs for young doc

No loan issues. Is only point of after-tax "non-Roth" contribs to allow extra savings over the 17.5k limit? Not seeing the benefit otherwise. Seems best plan might be to do in-plan conversions if I can. Move as much as possible to my Roth without major change in tax brackets. I'm able to s...
by Zeppcoustic
Sat Apr 26, 2014 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 662

Re: 403b pre vs post-tax contribs for young doc

What is the difference between Roth and non-Roth after tax contributions? I thought they were one and the same. My plan allows up to 10% after-tax contribution. Good point about the tax bracket change. When I finish residency my wife will already be an attending and we'll be in a higher bracket. I'l...
by Zeppcoustic
Fri Apr 25, 2014 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 662

403b pre vs post-tax contribs for young doc

Forgive me I know this has been discussed in prior threads; I am trying to review those. Appreciate any input: I am maxing my 403b at work via the pretax route. I have two years of residency left. Upon the end of it, I was planning to do a 403 > Roth conversion and pay the taxes all at once. Figure ...
by Zeppcoustic
Fri Apr 25, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 662

Re: buying latex mattress online

Thanks for all the replies!

Polystallion- Glad this thread helped you out. Let me know how you like your mattress, I may order one next.
by Zeppcoustic
Mon Jan 27, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 1083

buying latex mattress online

Hi guys- Have perused several of the previous posts here on mattresses and found the info very helpful. Has anyone bought a latex mattress from Foam Factory? Their prices are over 50% less than other sites like Flobeds, Foam Sweet Foam, and others who sell latex mattresses. Price difference between ...
by Zeppcoustic
Mon Jan 27, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 1083

Re: Books that have actually changed your life, in a way.

God Is Not Great by Christopher Hitchens
by Zeppcoustic
Mon May 13, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 10259

Re: Medical Resident: When Should I Get Disability Insurance

Definitely get it. It should be affordable. I pay $51 a month to Guardian for a $4k monthly benefit after discounts. I am a radiology resident, class 4M.
by Zeppcoustic
Thu May 09, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Resident: When Should I Get Disability Insurance
Replies: 80
Views: 3652

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

zebrafish wrote:Username: hematochezia

Occupation: head and neck surgeon

:shock:


LOL.
by Zeppcoustic
Sun Feb 03, 2013 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financing medical school. Age 34, some savings.
Replies: 63
Views: 5750

Super Bowl pools

Any participants out there?

Our department does the standard 100 box grid at $5/box.
by Zeppcoustic
Thu Jan 31, 2013 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Super Bowl pools
Replies: 17
Views: 1677

Re: Need Bourbon Advice

Has anyone tried the Pappy Van Winkle 20 year-old or 23 year-old?
by Zeppcoustic
Fri Dec 28, 2012 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6180

Re: best wrinkle-free shirts

madef88 wrote:Brooks Brothers Semi-Annual Sale starts today and ends January 3. FYI.


Thanks for the heads up! Just re-upped.
by Zeppcoustic
Wed Dec 26, 2012 7:02 pm
 
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 6985

Re: What Book Are You Currently Reading? Part V

Lonesome Dove by Larry McMurtry
by Zeppcoustic
Sun Dec 02, 2012 10:38 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1194623

Re: honeymoon recommendation

Professor Emeritus wrote: Zeppcoustic wrote:So many options..wow.
Couldn't help but laugh reading some of the replies mentioning polar bears and cruises...golf is a necessity! :oops:

I



for a Honeymoon ??? sounds very kinky!!


Lol
by Zeppcoustic
Tue Nov 06, 2012 7:27 pm
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1653

Re: honeymoon recommendation

So many options..wow. Thanks for all the great advice guys!! Couldn't help but laugh reading some of the replies mentioning polar bears and cruises...golf is a necessity! :oops: I am spending some time of tripadviser. Right now, we are looking at: Sandals Emerald Bay Great Exuma Bahamas Four Seasons...
by Zeppcoustic
Tue Nov 06, 2012 5:12 pm
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1653

Re: honeymoon recommendation

We are reticent to go as far away as Hawaii if we only have a little more than a week. Isn't that like an 18 hour flight each way?
by Zeppcoustic
Mon Nov 05, 2012 2:51 pm
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1653

Re: honeymoon recommendation

orlandoguy wrote:Four Seasons Nevis would seem to meet all requirements.


Checked out website, looks promising! Thanks
by Zeppcoustic
Mon Nov 05, 2012 1:02 pm
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1653

honeymoon recommendation

Hi all. Could use some insight in planning our honeymoon. Planning for March 2013 or later. We are in late 20s, resident docs, looking to relax on the trip 8-) Duration: 7-8 nights Budget: Flexible: $6000? Location: Probably Caribbean, due to duration we can take off. Don't really want to spend more...
by Zeppcoustic
Mon Nov 05, 2012 12:54 pm
 
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1653

Re: newly-wed young docs: baby portfolio review

We each have solid individual DI policies with Guardian. We are able to save a good amount of our income and live below our means as residents, which isn't easy for the majority of resident docs.

She will probably open a Roth and hold VTHRX soon.

Thanks for insights. :o
by Zeppcoustic
Sat Oct 27, 2012 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: newly-wed young docs: baby portfolio review
Replies: 13
Views: 1414

Re: newly-wed young docs: baby portfolio review

Thanks for replies! We are leaning towards Roth for her.
by Zeppcoustic
Sat Oct 27, 2012 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: newly-wed young docs: baby portfolio review
Replies: 13
Views: 1414

Re: newly-wed young docs: baby portfolio review

Thanks for replies. I am familiar with White Coat Investor and have read that article you mentioned. While excellent generalized advice, it did not answer my question about the IRA in our circumstance.
by Zeppcoustic
Fri Oct 26, 2012 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: newly-wed young docs: baby portfolio review
Replies: 13
Views: 1414

newly-wed young docs: baby portfolio review

Hi all. I got married a couple of weeks ago. I had hoped to get your insights on our current financial plan. We are both resident docs (radiology and ENT surgery). I think we are in good shape thus far. My main questions pertain to how we should approach our student debt. A family member is offering...
by Zeppcoustic
Fri Oct 26, 2012 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: newly-wed young docs: baby portfolio review
Replies: 13
Views: 1414

Re: Student Loan Forgiveness Program for physicians

Thanks for reply. Right now I see no solid reason why residents with a ton of debt wouldn't do this. It seems like a pretty big loophole, and I know a bunch of smart people planning to take advantage. Especially with the forgiven amount not being taxable.
by Zeppcoustic
Fri Sep 28, 2012 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness Program for physicians
Replies: 14
Views: 1943

Re: Student Loan Forgiveness Program for physicians

Edoc- I have read your posts, thanks. Still don't see any potential catch. Can't believe the government should shut down the program and not have people grandfathered in. Outcry would be enormous among public sector employees part of the program.
by Zeppcoustic
Fri Sep 28, 2012 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness Program for physicians
Replies: 14
Views: 1943

Student Loan Forgiveness Program for physicians

A couple of my resident colleagues are planning to do this and asked me about it today. They have about $500k in debt each. To my knowledge, you make 120 qualified loan payments (income-based repayment) under the auspices of working under a non-profit hospital (which pretty much all teaching hospita...
by Zeppcoustic
Fri Sep 28, 2012 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness Program for physicians
Replies: 14
Views: 1943

Re: One hit wonder (Albums)

This thread is amazing.
by Zeppcoustic
Tue Sep 18, 2012 10:37 pm
 
Forum: Personal Consumer Issues
Topic: One hit wonder (Albums)
Replies: 68
Views: 2619

Re: advice re cancelling cable, WiFi option

Multiple good points. I've had Time Warner for the past 15 months after I negotiated a lower than advertised rate for Internet and cable. After 12 months, they said my "promotion" had ended and they raised my rates for both. I'm just tired of dealing with them. I rent the third floor of a ...
by Zeppcoustic
Tue Sep 11, 2012 2:03 pm
 
Forum: Personal Consumer Issues
Topic: advice re cancelling cable, WiFi option
Replies: 20
Views: 2151

Re: advice re cancelling cable, WiFi option

Cool will look into this.
by Zeppcoustic
Mon Sep 10, 2012 7:39 pm
 
Forum: Personal Consumer Issues
Topic: advice re cancelling cable, WiFi option
Replies: 20
Views: 2151

advice re cancelling cable, WiFi option

Virtual friends, I am finally cutting the cord with cable. Time Warner has been lackluster here in NYC for years. I am turning in my equipment by next week. Major priorities are watching sports on the major networks (esp football) and high-speed internet. We have AppleTV and Netflix now. I'm enterta...
by Zeppcoustic
Mon Sep 10, 2012 6:30 pm
 
Forum: Personal Consumer Issues
Topic: advice re cancelling cable, WiFi option
Replies: 20
Views: 2151

your thoughts: best tablet PC for $500

My fiancee will soon be credited with $500 from her employer to purchase a tablet for "educational pursuits."

What do you recommend? Her main use will be for reading. Samsung Galaxy seems to be highly rated, along with iPads.

Thank you for input.
by Zeppcoustic
Sun Jul 08, 2012 6:00 pm
 
Forum: Personal Consumer Issues
Topic: your thoughts: best tablet PC for $500
Replies: 4
Views: 763

update: best wrinkle-free shirts

Per majority advice on this thread, I went for the Brooks Brothers shirts. Went to the store to try on a few, decided 16.5/34 Slim Fit was perfect for me. I ordered 5 shirts online which came to around $275 after 40% discount and shipping, which was a splurge for me clothing-wise. So far I'm very pl...
by Zeppcoustic
Thu Jun 28, 2012 2:43 pm
 
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 6985

Re: best wrinkle-free shirts

Just saw this on Slickdeals, think I will swing by this weekend. Brooks Brothers is pleased to announce our Semi-Annual Sale, beginning Monday, June 18 and continuing through Tuesday, July 3, 2012. During this event, you will enjoy savings of up to 40%*. As a longstanding tradition, this event provi...
by Zeppcoustic
Tue Jun 19, 2012 11:04 pm
 
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 6985

Re: best wrinkle-free shirts

Cool. I will try the water spraying thing.

Thanks for insights.
by Zeppcoustic
Tue Jun 19, 2012 3:38 pm
 
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 6985

best wrinkle-free shirts

I wear a shirt sans tie and chinos about 50 % of the time at work. I hate ironing dress shirts and I hate paying $1.85 to launder them.

What brands do you guys like? I have a few wrinkle-free shirts (forget brand) but they still seem to get some wrinkles.
by Zeppcoustic
Tue Jun 19, 2012 2:44 pm
 
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 6985

Re: help with calculator for atypical loan

Loan was for $64,400.

I owe about $59,000.

It will be completely paid off by 2016/2017.
by Zeppcoustic
Thu Jun 14, 2012 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with calculator for atypical loan
Replies: 6
Views: 286

Re: help with calculator for atypical loan

Sounds good. Had hoped for a plug-and play type calculator but figured I might have to do some calculations.
by Zeppcoustic
Thu Jun 14, 2012 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with calculator for atypical loan
Replies: 6
Views: 286

help with calculator for atypical loan

Good afternoon. A family member gave me a loan to pay back med school debt. It is openended, with no term. I am paying about $400/month. Some months I pay more, some less. The interest rate is 3.4%. I will pay back the remaining balance the first year I'm out of residency. Any ideas for a calculator...
by Zeppcoustic
Thu Jun 14, 2012 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with calculator for atypical loan
Replies: 6
Views: 286

Re: Books that have actually changed your life, in a way.

God Is Not Great: How Religion Poisons Everything

Christopher Hitchens
by Zeppcoustic
Wed Jun 13, 2012 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 10259

Re: What is your favorite TV show?

The Wire
by Zeppcoustic
Tue Jun 12, 2012 2:36 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143127

Re: Pulled a muscle in yoga class

A dense (black, not the blue or white) foam roller can work wonders for myofascial pains/strains/stretching/etc. I like the black jFit 36inch roller. Check it out on Amazon.
by Zeppcoustic
Thu Jun 07, 2012 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Pulled a muscle in yoga class
Replies: 10
Views: 1245

Re: Help a young investor build a portfolio

Bob's not my name wrote:
sjb wrote:My current holdings are 5 figures (soon to be 6 figures)
retiredjg wrote:You apparently have $500k to $700k
?


lol
by Zeppcoustic
Tue Jun 05, 2012 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a young investor build a portfolio
Replies: 13
Views: 985

Re: Carl Sagan

mephistophles wrote:Suggest that you go to Youtube and put in Carl Sagan and watch his Cosmos videos. Then read his "Varieties of Scientific Experience."


+1. Cosmos is awesome. Still remember looking forward to watching them in college astronomy classes.
by Zeppcoustic
Thu Apr 26, 2012 9:42 am
 
Forum: Personal Consumer Issues
Topic: Carl Sagan
Replies: 47
Views: 3162

Re: advice re auto financing post PenFed rejectn

campy2010 wrote:Call PenFed and ask the reason for the denial. They may have pulled her credit report, saw her debt to income ratio, and sent a denial. If you talk to a person and explain the situation, and she might get a different answer. Credit union #2 will likely do the same thing and she will have wasted a hard pull on her credit report for no reason. At minimum, before she applies for a loan at credit union #2, she should ask them if her medical school debt will be a problem before she lets them run her credit.
mike143 wrote: I agree with calling for the reason if its not apparent on the letter they sent.


Update: she called PenFed the other night and explained her situation. They referred her to a senior loan administrator and approved the loan immediately. Very easy. Thanks for the advice!
by Zeppcoustic
Thu Apr 26, 2012 9:35 am
 
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 923

Re: How is it possible to save and get out of debt?

ltux, I had a similar dream. Starting in high school, my dream was to own a Carrera 4S in Platinum Silver Metallic (or maybe Dark Blue Metallic). My family and friends all know about it. This dream persisted through college and medical school. Then after I started educating myself on personal financ...
by Zeppcoustic
Wed Apr 25, 2012 12:36 pm
 
Forum: Personal Consumer Issues
Topic: How is it possible to save and get out of debt?
Replies: 83
Views: 5152

Re: advice re auto financing post PenFed rejectn

Call PenFed and ask the reason for the denial. They may have pulled her credit report, saw her debt to income ratio, and sent a denial. If you talk to a person and explain the situation, and she might get a different answer. Credit union #2 will likely do the same thing and she will have wasted a h...
by Zeppcoustic
Fri Apr 20, 2012 7:33 pm
 
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 923

Re: advice re auto financing post PenFed rejectn

The residual is $12k. What is the car actually worth in the open market, $14k or $10k? Did she ask for $6k or 12k? I assume 50% down on a car vs 0% down on a car is similar to 50% down on a house vs 0% down on a house. There are different risks involved. The private party KBB is ~ $15,000. She need...
by Zeppcoustic
Fri Apr 20, 2012 1:12 pm
 
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 923

Re: advice re auto financing post PenFed rejectn

Thanks for insights. We live in NYC. Not really interested in appeal, she is crazy busy at work. Don't have the reasons for rejection in front of me. I don't believe her hospital has a credit union, but I'll look around.
by Zeppcoustic
Fri Apr 20, 2012 1:07 pm
 
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 923

Re: Looking into buying a flatscreen tv

I will tell you to buy a size bigger than you think you will need. I got a 46" Samsung LCD in 2010; love it and all, but wish I went with the 55". You will never wish you went for smaller TV. Never. Spot on. I'm in same situation as awval. HD enables you to have a much closer viewing dist...
by Zeppcoustic
Fri Apr 20, 2012 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Looking into buying a flatscreen tv
Replies: 62
Views: 3523

advice re auto financing post PenFed rejectn

Good morning. My fiancee is reaching end of her 2010 Honda Civic lease in June. She wants to buy the car for residual ~ $12k. She just opened a PenFed account for purpose of securing a used auto loan. To our surprise, she was not approved for loan. She has a FICO >700 and has about $125k of med scho...
by Zeppcoustic
Fri Apr 20, 2012 12:02 pm
 
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 923
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