Search found 23 matches

Return to advanced search

Re: Do you see profit or ponzi?

Run, Forrest, run!!! A relative of mine invested in one of these private investment funds. Another relative actually steered him there, vouching for the honesty and integrity of the fund manager. After several years, the fund declared bankruptcy, and my relative had lost his principle of 6 figures. ...
by seionage
Thu Jun 19, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 100
Views: 7941

Re: practicing medicine in Texas...

Hi FRx. I'm a doc living in Dallas. I went to med school in Houston and did my residency & fellowship in Dallas. Other big Texas cities to consider besides Austin include Dallas, Houston, San Antonio, and Fort Worth. I'm originally from Dallas and have always been comfortable here, and that's wh...
by seionage
Thu Apr 17, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 56
Views: 14104

Re: Id stolen should I go with a credit freeze?

I have a credit freeze with all 3 agencies. When I applied for a home loan, I paid $10 to each agency to temporarily lift the freeze for 30 days. After the 30 days, the freeze automatically reinstated. It's a minor inconvenience to go through the temporary lift, but I very rarely apply for credit ca...
by seionage
Thu Jul 18, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Id stolen should I go with a credit freeze?
Replies: 9
Views: 1094

Re: Id stolen should I go with a credit freeze?

shmidds wrote:I hope they didn't get your ego too.


shmidds, that was too funny. Good one.
by seionage
Thu Jul 18, 2013 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Id stolen should I go with a credit freeze?
Replies: 9
Views: 1094

Re: How to file for divorce?

No one here can predict the likely outcome, all the facts are not known, hence the suggestion for a speedy meeting with a local attorney specializing in such matters. Attorneys can be expensive. I saved a ton of money on my own by finding him through a local divorce counselor who referred me. I was...
by seionage
Fri May 17, 2013 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

Re: How to file for divorce?

imgritz wrote:I suggest simple things like marriage counseling, church counseling or a self-help course from landmark education. I have seen all three save a marriage.


Thanks, imgritz
by seionage
Fri May 17, 2013 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

Re: How to file for divorce?

state of Oregon webpage http://courts.oregon.gov/ojd/osca/cpsd/courtimprovement/familylaw/pages/FL_Divorce.aspx which leads to http://courts.oregon.gov/OJD/OSCA/cpsd/courtimprovement/familylaw/pages/flpacket1.aspx#B since your sister would be the petitioner with children all the best Thanks, ieee488
by seionage
Fri May 17, 2013 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

Re: How to file for divorce?

The most likely outcome is joint custody and she will end up paying substantial alimony for several years and child support for many years to Mr. NoJob to bankroll his separate household. He will claim he sacrificed his career and future earnings potential to raise the kids. In many states these pa...
by seionage
Fri May 17, 2013 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

Re: How to file for divorce?

Thank you for all the suggestions. For what it's worth, my intentions are not to be my sister's lawyer; as I have no training in jurisprudence, it would be asinine for me to even consider that. I was only asking for possible resources/services that may be available to my sister, as barefootgirl was ...
by seionage
Fri May 17, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

How to file for divorce?

I need general advice on how to file for a divorce, for my younger sister (let's call her Jane). Here's the situation: She & her husband (let's call him John) have been married since 2002, live in Oregon, and have an 11 year old daughter and 8 year old son. Since 2001, her husband has not held a...
by seionage
Fri May 17, 2013 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2777

Re: Are HSAs protected from creditors?

Thanks, bottle cap spiritrider
by seionage
Tue May 07, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are HSAs protected from creditors?
Replies: 4
Views: 600

Are HSAs protected from creditors?

Good morning, Bogleheads.

This year, I started using my HSA as a stealth IRA, and just recently, I started wondering if HSAs were protected from creditors the way 401Ks and IRAs (depending on your state) are. Does anyone know or have experience with this?

Thanks.
by seionage
Tue May 07, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Are HSAs protected from creditors?
Replies: 4
Views: 600

Re: Should I convert to a Roth IRA?

Thanks for all the great advice, guys!
by seionage
Sat Jan 26, 2013 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert to a Roth IRA?
Replies: 8
Views: 988

Re: Should I convert to a Roth IRA?

My plan is to roll over my tIRA to my TSP (my military retirement account). Then, I'll set up a back door Roth IRA. Hopefully, this will be a good plan in the long run.
by seionage
Sat Jan 26, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert to a Roth IRA?
Replies: 8
Views: 988

Should I convert to a Roth IRA?

I'm a physician in the mid-stage of my career (age 45 and been in practice since 1999). I contribute the maximum to my group's available tax-deductible plans (401k and HSA) every year. Can I assume that, when I retire, I will actually be in a lower tax bracket than I am in now? If the answer is &quo...
by seionage
Wed Jan 23, 2013 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert to a Roth IRA?
Replies: 8
Views: 988

Re: 403b & 457 transfer to IRA after job termination

curiousg, You can hire a financial adviser to review your assets and make recommendations over a few meetings/consultations. You really don't need an adviser to manage your assets. Also, make sure you go to whitecoatinvestor.com, not whitecoat.com. It discusses what to look for in an adviser and wha...
by seionage
Mon Jan 21, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b & 457 transfer to IRA after job termination
Replies: 21
Views: 2599

Re: 403b & 457 transfer to IRA after job termination

As far as what to look for in a financial planner, please go to whitecoatinvestor.com It's a fantastic financial site geared towards physicians (but also very good for anyone who is investing). Emergdoc (also a Boglehead) runs the site. Click on the "Investing" tab to go to the section on ...
by seionage
Mon Jan 21, 2013 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b & 457 transfer to IRA after job termination
Replies: 21
Views: 2599

Re: Are Bogleheads having less fun?

I've run a full marathon and finished a 100 mile bike race. I do judo and Brazilian jiu-jitsu and consistently train with/against guys who are 80 lbs. heavier. At the age of 41, I joined the Navy and then served a year in Afghanistan, on a team embedded with the Afghan Army. We were hit by a suicide...
by seionage
Sat Jan 19, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Are Bogleheads having less fun?
Replies: 70
Views: 5543

Re: 403b & 457 transfer to IRA after job termination

One thing to consider: Depending on the state you live in, an IRA may not be fully protected from creditors in a civil lawsuit. 403's and 401's, on the other hand, are protected 100% by federal law. As a physician, like myself, you need to be vigilant about asset protection. So, before rolling your ...
by seionage
Fri Jan 18, 2013 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 403b & 457 transfer to IRA after job termination
Replies: 21
Views: 2599

Re: tIRA rollover to TSP prior to back door Roth IRA convers

Thanks, Brian. I love the low costs of the TSP funds and that they're index funds. They're great for military personnel and for those separated from the military.
by seionage
Mon Dec 17, 2012 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA rollover to TSP prior to back door Roth IRA conversion
Replies: 7
Views: 753

Re: tIRA rollover to TSP prior to back door Roth IRA convers

Thanks, retiredjg. That TSP 60 form looks like what I need. Now, as far as the rollover and conversion year, ... As you said, I probably cannot complete the rollover of my tIRA to the TSP this year. So, if I contribute to a non-deductible tIRA this month, for 2012, then complete the rollover and the...
by seionage
Sun Dec 16, 2012 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA rollover to TSP prior to back door Roth IRA conversion
Replies: 7
Views: 753

Re: tIRA rollover to TSP prior to back door Roth IRA convers

Thanks for the great info, Alan S. Rolling over my tIRA to the TSP sounds like my best option. I'll get moving on the back door Roth IRA soon. I believe my state (Texas) fully protects IRAs from all creditors.
by seionage
Sun Dec 16, 2012 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA rollover to TSP prior to back door Roth IRA conversion
Replies: 7
Views: 753

tIRA rollover to TSP prior to back door Roth IRA conversion

This is my first time on the Forum, so I hope I'm posting this correctly. :happy I have $150,000 in a tIRA, and I would like to set up a back door Roth IRA this year, while avoiding any possible taxes. Before setting up a non-deductible tIRA and converting to the Roth IRA, I understand that I have t...
by seionage
Sun Dec 16, 2012 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA rollover to TSP prior to back door Roth IRA conversion
Replies: 7
Views: 753

Return to advanced search