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DAK: I read your post, in your words, probably biased to the best light shining on you, and all I see is hollow whining. You told the the doc to get out of the room as soon as they stepped into the room and simultaneously state that there was a misdiagnosis, so you had expectations of that doc. Per...

The California "drywood termites" that tenting is used for are very different that the subterranean termites that most of the US gets. Tenting is not done for the subterranean's, they just poison them with traps set around the foundation - much cheaper. Did not know this-- interesting! Ou...

You can't withhold payment for a misdiagnosis. This makes it clear the FP did provide a service, even if it was poor service. If you feel the misdiagnosis rises to the level of medical malpractice, then pursue that with a lawyer. +1 This nails it on the head. The FP provided a service, even though ...

OK. How about the ER example? It's always there, available, on stand by. Yet, I don't pay the hospital a stand by fee to have it there. EDIT: now that I think about it - I am here available right now. On stand by. The key seems to be to have a billing mechanism that forces someone to pay for my &qu...

In California (and many other places), termites are endemic and part of life. Where I live, you can just count on getting your house tented about every 10 years. Out here it costs about $1000 bucks give or take to have your house tented. Local treatments really do not work. The life cycle of the ter...

$400 is way too much for someone to make when they are just on stand by, "just in case" something goes wrong before your doctor got there. Just to give you an example, I work in a brand new hospital that cost about $700 million to build. There's just a little overhead that comes with a ho...

Like it or not, if you are a patient in the hospital, someone needs to be responsible for your care. Period. You cannot pick and choose who is the admitting service. That isn't your decision. The OB service probably refused her, anyway! What you received isn't free. Nothing overt may have been done,...

Hi, I have a tax question-- my mother is purchasing a condo with 100% cash in Ohio and is considering listing my sister as a "co-owner" of the property so that upon her death "the property doesn't need to be probated". I'm not sure if she will be placed on the title or on some so...

Someone I know was in a similar situation. A paid advisor urged them to divest most of the single stock that made up almost all their savings and pay the taxes. They did. A year later that single stock lost most of its value. The tax hit of 15% looked a lot better than the loss that would have occu...

...research is ehhh just okay... Then you do not want and will not succeed in academics. As others have mentioned, you may be able to find a clinical setting in which your employer is a medical school or university hospital, but that is not "academics." Yes and no. Many universities have ...

There is a lot of information missing here, but I think the rental property should be considered into the overall plan. Is this property under water? Does he have a hefty emergency fund? Say he became disabled or injured and couldn't generate income-- could he cover the payments for the rental prope...

Taking a crack at a couple: 1. There are no tax implications for rolling a Roth (or other retirement account such as 403b, 457) from one institution to another when the account type stays the same (Roth -> Roth, 403b -> 403b; an "in kind" transfer). Tax implications generally occur when yo...

Your interest rate is pretty high. Pay off your debt ASAP.

I paid off my student loans which were ~100K over about 2 years and I've never regretted this for a second.

So, after reading this thread, I have learned that the OP should stuff her spouse with Big Macs and encourage him to drink and smoke as much as possible to reduce the long term financial burden on herself and society.

Based on your income allowing you to make a direct Roth contribution, I would probably roll the IRA out of the employer plan. You will probably get lower-cost options at a place like Vanguard.

The other question is: what is this "incentive" your previous employer is offering you to roll over your previous employer 401k?

If you're going to use this cash in the next 2-5 years, I would leave it right where it is. You can try to squeeze fractions of an interest rate by messing with other options, but it really isn't worth your while, IMO. Anything with a higher "return" will only come with more risk, and with...

I am looking for a place to move $300k+ with little knowledge on investing as a whole and feel like I've been burned once. Any suggestions? It is time to stop, read, learn, before knee-jerking into something else. Suggest reading the Wiki and some of the books suggested in there (Boglehead's Guide ...

I would get rid of the student loan debt. It seems like this has been your plan. Why stop now?

(Not everyone here will share this opinion.)

Thread locked or massive red pen in 3... 2... 1...

Rainbow Trout Ranch

Best family vacation I've ever taken. Spent a week at all-inclusive Colorado dude ranch. Amazing. Well worth the cost.

I'm not sure how this is a personal finance question

Investing a small inheritance in various Janus mutual funds right before the tech bubble burst. That still hurts, but it opened my eyes.

1. Going to medical school 2. Listening to my wife and not falling for whole life insurance pitch made to our entire med school class back when I was young and naive 3. Reading "Investing for Dummies" and John Bogle's "Common Sense" book (and others; "self-education") 4...

Thank you, I really appreciate your insight. You've obliviously have a lot of experience. I totally agree with what you've written. Our institution has better NIH results, typically acceptance running in the 15-18% acceptance rate. I'm on a F32 and have 2 other grants under my own name ($10k and $5...

I was recently accepted into the University of Toledo School of Medicine but will acquire the usual 220K debt upon graduation. I was also accepted into the MD/PHD program at SUNY- Stony Brook, NY with a full tuition and a stipend of 30K over a course of 8 years instead of the usual 4 years at Medic...

I would look at the likelihood of getting tenure in each position. For the position in which research is the primary activity-- if you are expected to generate extramural funding in order to obtain tenure which is most likely the case-- this is an extremely risky proposition at the current time. NIH...

You are absolutely NOT obligated to help out the parent in this situation for the following reasons: 1. Your parent has a bad track record of making financial decisions-- you are probably throwing good money after bad 2. You are being manipulated and guilted into helping 3. Your parents may have hel...

Since you presumably got a stepped-up basis, there will never be a better time to liquidate and diversify with no tax consequences. I'd follow your son's advice. +1 +2 +3 +4 .... There is harm in keeping the account: The fees will slowly go up and you will not be able to sell in the future because ...

I am a Penn Med graduate. I would choose Penn on a free ride over Harvard any day without regrets.

I had friends who went to Harvard. Penn/Harvard are pretty equivalent medical schools. If you work hard, you will get a top residency choice out of either place.

Having no debt is really a bonus.

I've bought at least 3 or 4 sets of tires at Costco. Never had a problem. Prices are very good.

I guess my question is, assuming house prices and interests will only go up, should we bite the bullet and just buy now, or should we suck it up for a couple more years and live in our smaller home while saving saving saving?? If you are meeting your retirement savings goals, 529 savings goals, hav...

I thought we were out of the Roth IRA limit for married filing jointly. Yes, you probably are. But there is the so-called "backdoor Roth" which is a (legal) loophole around the MAGI limitations. There is information about backdoor Roth on the Wiki. There may be tax implications if you hav...

Do you want to have a mortgage payment when you are 66 years old? You easily have the income to pay off this house in <15 years AND eliminate your student loan debt. I would probably go with the 15 year, but I hate debt more than the next person. There are a lot of people on this website who will/wo...

This is such a fundamental piece of knowledge that I would strongly question the competence of the accountant.

Finally, it's a shame that in 2013, women are being told they need to act like men to succeed. Can you imagine a racial minority being told to "act more white" and to put up with racist comments that they find offensive in order to get along with everyone else? I don't think anyone in her...

Another comment or two: I think working with others is a fact of life unless you run a solo business from your basement bunker; thus, "teams" are a fact of life. However, structure varies. I manage people under me. We are a team, but I can delegate. It comes down to the people you work wit...

I'm not addressing every aspect of your post, but I will make the following comments: 1. Would I stay at a job I hate for 6 more months to get a pension starting at age 80? You might not live to 80. You'll never get the next 6 months back, especially if you hate your job that much. If you had 6 mont...

OK. Here is the update after 3 months. Good news: My group has met its revenue target in March and in April. We are already on track to meet our May target. We are being encouraged to hire one more person. Meh news: I was not made the director. The colleague that I get along with the most was made ...

Cheers

Hoping to see you in a few years!

A ROTH Account is supposedly for a lifetime. One hopes that they can get a certain annualized yearly return over a course of, let's say, 30 years. That means if one hopes to get an annualized return of 7% (look at The STAR Fund as an example from its inception which is much higher return) then mone...

What I would love to ask everyone, is that I do honestly want to help my parents somehow. I could give them a loan to help pay for their down payment, but is there anything else? Your parents simply need to sell their current home if they want to buy another home and cannot get a loan to purchase t...

I would be concerned about the time deadline and pressure you're being put under to make this quick decision that there is a problem here.

To follow up, if you co-sign for the loan, you are legally responsible for the entire amount. Thus, if your parents cannot pay for some reason (say one has a health problem and needs 24-hour nursing home care, the renters don't pay, the renters trash the house and move out, your parents aren't up fr...

If the bank thinks it's a bad idea, why do you think it's a good idea? You parents should either forget the rental, buy a smaller house, or rent. Brian Couldn't agree more. I wouldn't put myself at risk for financial destruction by co-signing a loan in this scenario. No chance. I would tell my pare...

You have to think long-term. It doesn't matter what the 1 year return of your Roth is in making this decision, in my opinion. It may be 20%, it may be -10%, it may be 0%. Paying off the loan does have an immediate return of 7.25% on the money. This is a high-interest rate loan. Over the long term, i...

Munchkin Man,

For ink stains, I would highly recommend a product I have used called "AMODEX". This is highly effective on ink and many other difficult stains in my experience. I find it close to miraculous. I think you may find it quite satisfactory.

Cheers,
Zebrafish

A lot of good suggestions already.

One more-- we took an open air fire truck tour of the city. This was a memorable experience. A little goofy, but fun way to see the city.

You have an extremely NON-diversified portfolio if you are 100% in HealthCare sector. This is a large risk. Suggest looking at Wiki regarding determining asset allocation and reading about the 3-fund portfolio. Also, I highly suggest reading the Boglehead's Guide to Investing-- my local library had ...

Those are your half of the Social Security and Medicare tax (and it was less than half for Social Security because of the temporary tax cut). Your employer paid about $7000 Social Security and $2500 Medicare, so the total amount paid was about $16,500. These were not counted as tax payments towards...