Bogleheads.org

That being said, I will absolutely reach out to the financial aid office at HMS and see if they can reconsider my aid package. They emphasized during the financial aid talk that they do not give out merit scholarships, but it's worth a shot! You can try, but expect that they probably won't care. As...

Thanks for an alternate perspective. Go for the cheapest one is the traditional advise on this board and almost always works well. But this situation might be one where I would at least consider deviating from standard practice. She has had an opportunity to meet and talk with Dr Farmer and was ver...

Go to the cheapest med school available (that is in the US and is accredited). She has great applicant statistics. No one will care where she went to school after she has been practicing medicine for 1 year. As someone who took the other path of going to an expensive private school (Harvard Med in ...

I prefer Vanguard to Fidelity, but given the backdoor Roth IRA issue, I would choose Fidelity. Got it - that definitely makes sense. There's no need to "deal" with the current adviser unless he has some sort of contract that would allow blocking a move. Initiate transfers from the receivi...

Will she be presumably managing these investments going forward? If she doesn't have strong financial literacy and interest in active management of her portfolio, I don't think a tilted portfolio is a good idea. Better to move to a 3-fund solution or even target date portfolios. Target fund or 3 fu...

Dear BH community – Helping a good friend get control of her finances. Would love your collective wisdom and guidance on the following: Overview Emergency funds: 8 months Debt: $62k @ 2.63% Tax Filing Status: Single Tax Rate: 28% Federal; ~10% NYC tax State of Residence: NYC (Manhattan) Age: 35 Desi...

1710.53

Thanks a ton for the guidance - livesoft / Wagnerjb - Great points...in particular, I have not been donating shares, but that makes a ton of sense on a go forward basis. I checked in with a couple charities yesterday that I donate to and turns out they take shares (even though they don't make mentio...

All- Looking for some guidance on tax gain harvesting. I have approximately $100k in taxable unrealized gains in Vanguard ETFs from the past year (due largely to some TLH I did in 2010) and have been considering the idea of resetting my cost base before the LTCG rate goes up. Expected to be in the 3...

statsguy wrote:ek... I find ekphora an odd choice of username and wonder if you are Greek. If you are...

Θα έχετε καλές συμβουλές εδώ.

Καλή τύχη
Στατιστικά

You whould get good advice here.

Best of luck
Stats

Thanks Stats - not Greek, but a fan of the classics. Appreciate the note...

ek

When I initially bought VEA/VWO in late 2008 I hear you, I also ended up with a VEA/VWO combo in taxable due to tax loss harvesting. I would have preferred something like VEU, but that's just where the alternating left me. And I have semi-rebalanced by putting contributions into VEU while VWO has t...

You have to be mindful of expense ratios: move to NJ and keep an extra 4% of your income. heh - indeed. we do this assessment every year and continue to valuate the option to stay in nyc greater than 7% of our total earnings (which reflects our cost of living differences as well). Not to say this w...

An observation: it appears that you're relying on high expected future income to balance (or at least accept) the risk of "swinging for the fences" with your portfolio. This is fine, assuming the choice is a considered one, however before moving forward with additional investments, it may...

Given your tax bracket, muni bonds make a lot of sense. Sure, there's the current scare over munis... but they still make a lot of sense tax-wise. Another screwball option would be I-bonds. Sure, doing $5k paper and $5k electronic, (per person) isn't a huge amount of money, but it can build up if d...

All- Respectfully request a portfolio review… Overview High willingness to take risk – expect to contribute for many years Emergency funds > 6 months of expenses Debt: $90k @ 1.75% (Medical School); $10k @ 3% (Law School – currently being repaid by the federal government) Tax Filing Status: MFJ Tax ...

Interesting update - I think most of the "new" functionality is online now. My biggest disappointment (compared to other online brokerages) is the lack of real-time tax implications. Beyond the realized gains/losses tab/download, I don't see anything more in-depth (e.g., includes dividends...