Search found 1016 matches

by AndroAsc
Sun Feb 07, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2448

Re: How do you hire a lawyer to be "on retainer"?

It sounds like you're doing Manufactured Spending Extreme Edition. Sure....you can expect to have some SARs filled out on you. Are you concerned that something like this would happen? http://www.travelcodex.com/2016/02/i-was-detained-for-manufactured-spending/?utm_source=feedburner&utm_medium=f...
by AndroAsc
Sun Feb 07, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2448

Re: How do you hire a lawyer to be "on retainer"?

Ok, thanks guys. So it looks like I'll just need to brief a lawyer on the situation, pay the hourly rate, and then get their name card and put it in my wallet. I've been updating my knowledge on how lawyers are paid and another interesting option is the retainer fee (not "on retainer"). It...
by AndroAsc
Fri Feb 05, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2448

How do you hire a lawyer to be "on retainer"?

I start out pleading total ignorance about how contracts with lawyers are made, so I'm hoping that the more legally experienced here can help me with this. What I need is to have a lawyer "on retainer", but it's not really a retainer as I don't need the lawyer to do constant work. I just n...
by AndroAsc
Wed Jan 13, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 767

Re: Help with Newbie's asset allocation (Singapore)

Would you be able to name a London-domiciled exchange as an example? There are quite a few Reits in the local market but none are ETF. I personally have no more unit trusts as have liquidated all my "bad" investments. It is my partner who is heavily invested in them with his long time fin...
by AndroAsc
Tue Jan 12, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 767

Re: Help with Newbie's asset allocation (Singapore)

More specific advice to your questions. NO REITS. US taxation for non-resident alien are very bad @30%, so REITS go out of the window... you know that REITs have significant dividend payout right? They are almost bond like in terms of tax efficiency. STI ETF is good, that's the only thing worth buyi...
by AndroAsc
Tue Jan 12, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 767

Re: Help with Newbie's asset allocation (Singapore)

I used to live there. I'll throw you some advice from many years of research. You cannot get access to US mutual funds period. You need to reside (physically live) in the US to get access to it. Even US citizens living abroad had their mutual funds shut down, although it does seem dependent on which...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

For Capital Gains Distribution: ST losses are reported as interest and taxed as ordinary income. ST losses cannot be offset by ST/LT losses. LT losses are treated the same way as in capital gains. I assume this is a typo for: For Capital Gains Distribution: ST gains are reported as interest and tax...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

From this, can I generalize that ST losses are generally more "desirable"/"valuable" than LT losses? If yes, do you make it a point to monitor your fund in the first year to harvest short-term losses? Answers: Yes. Absolutely. I mention this all the time. There is also one more ...
by AndroAsc
Tue Jan 12, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

1. Capital gains can be realized by you when you sell shares, but they can also be passed on to you when the fund itself has to sell shares internally. The latter are called capital gain distributions . If all you hold in taxable are Vanguard stock index funds, you might never see a capital gain di...
by AndroAsc
Tue Jan 12, 2016 12:32 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Suppose I have $10K in carryover LT losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? Suppose I have $10K in ST carryover losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? First scenario is paying taxes on $5k ST gains, since $10k LT losses cancel...
by AndroAsc
Mon Jan 11, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Long term gains are taxed at 15%. Short term gains are taxed at your tax bracket when over 15%!tax bracket. I understand the different tax treatment for LT vs ST gains, but also wondering about any differences between LT vs ST losses. It seems that (according to Fool.com, Kiplinger and Turbotax - a...
by AndroAsc
Mon Jan 11, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

It seems that every source have a different answer: http://www.fool.com/personal-finance/taxes/reconcile-capital-gains-and-losses.aspx Fool.com pretty much says it doesn't matter whether it is short-term or long-term losses, as either can be used to offset either long or short-term gains, and either...
by AndroAsc
Mon Jan 11, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Ok, this is confusing https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Capital-Gains-and-Losses/INF12052.html Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term losses...
by AndroAsc
Mon Jan 11, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

I was looking at the wiki: https://www.bogleheads.org/wiki/Capital_gains_distribution Short-term capital gains distributions are made from realized gains on securities held for one year or less. Short-term gains are taxed at ordinary income tax rates Short-term gain distributions are included in a f...
by AndroAsc
Mon Jan 11, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1431

TLH: Does it matter if it is sold as short-term or long-term losses?

I know there is differences in taxation treatment for short-term vs long-term capital gains.

Is there any difference in treatment for TLH short-term vs long-term losses (loosely defined as whether Vanguard states it as "Long" or "Short") under the SpecificID interface)?
by AndroAsc
Mon Jan 11, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!
Replies: 4
Views: 248

Re: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!

I'd always prefer that my (investment) choices would be my responsibility and so would the consequences, so tracking the "vested basis" when first purchasing the fund make sense to me. Note that it could have gone the other way, where Emerging outperformed US, and I would have less vested ...
by AndroAsc
Mon Jan 11, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!
Replies: 4
Views: 248

Vanguard 401k: How is the unvested portion calculated/tracked? Please help!

I spent an hour over the phone with my Vanguard 401k, and I cannot get a straight answer. This is really infuriating for such a simple (in my opinion) question. I am trying to figure out how is the unvested portion of my 401k calculated. Hypothetical Scenario: Year 1: I have $10k in my 401k, 90% of ...
by AndroAsc
Sun Jan 10, 2016 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: post-TLH options
Replies: 8
Views: 435

Re: post-TLH options

2. Invest in a similar but not substantially fund (e.g. VEU) (advantage: no time out of the market; disadvantage: increased complexity of having a different fund in your portfolio, and you may never be able to get able to get back to the original fund ) I don't understand the last part (bolded). Co...
by AndroAsc
Sun Jan 10, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: post-TLH options
Replies: 8
Views: 435

Re: post-TLH options

2. Invest in a similar but not substantially fund (e.g. VEU) (advantage: no time out of the market; disadvantage: increased complexity of having a different fund in your portfolio, and you may never be able to get able to get back to the original fund ) I don't understand the last part (bolded). Co...
by AndroAsc
Sun Jan 10, 2016 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Question on timing TLH with moving assets from taxable to tax-deferred
Replies: 1
Views: 195

Question on timing TLH with moving assets from taxable to tax-deferred

I'd figure I start a separate thread, since this is on a slightly different topic. Over the next few years or so, I plan on "moving" my money from taxable to my tax-deferred accounts. This is because I can do a Mega Backdoor Roth (I THINK), and going forward all my savings will be directed...
by AndroAsc
Sun Jan 10, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

Re: How do I TLH (practical advice on Wash Sale)?

Your international looks good except for what you are doing with VWO (EEM) as noted below. I don't fully agree with not swapping VWO for EEM. VWO uses full replication and holds 3000+ stocks whereas EEM uses synthetic replication and holds less than 1000 stocks. Also EEM tracks MSCI index, whereas ...
by AndroAsc
Sun Jan 10, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

Re: How do I TLH (practical advice on Wash Sale)?

Alright, I amended the sequence of steps to include wash sales +/- 30 days from the time of transaction: 1) Buy $10k of Large-Cap only index in 401k. 2) Sell $10k Total US for TLH. $5k goes to some Large-Cap only index, another $5k goes to FTSE ex-US index. After >30 days, switch the $5k Large-Cap I...
by AndroAsc
Sun Jan 10, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

Re: How do I TLH (practical advice on Wash Sale)?

From the looks of things, it looks like it becomes very complicated if you are rebalancing with fresh money (accumulation phase) AND doing TLH AND "moving" money from taxable and tax-deferred, all at the same time. Practically, do you guys do all 3 together? Or do you split up the TLH from...
by AndroAsc
Sun Jan 10, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

Re: How do I TLH (practical advice on Wash Sale)?

Looks like it could be more complicated as apart from TLH, I am "switching" some money from taxable to my 401k Sample Scenario. Let's say my taxable has $10k Total US and $10k Total International. I have $10k cash in my 401k, and I want to maintain the 50:50 split between US:International....
by AndroAsc
Sun Jan 10, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

Re: How do I TLH (practical advice on Wash Sale)?

I am also concerned with the inefficiencies between bid-ask spread for ETF, so it would be preferable to exchange between mutual funds. Currently, I plan to TLH the following, and identified the corresponding products to TLH into: 1) Total US Stock Market Index (VTSAX) -> Large-Cap Index (VLCAX) 2) ...
by AndroAsc
Sun Jan 10, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 297

How do I TLH (practical advice on Wash Sale)?

This month might be a good month to do TLH. Looks like I can almost harvest 10% of my portfolio in terms of losses. I would like to "stay in the market" during this period, and I am aware of Wash Sale. Let's take VWO for example. If I sell all my VWO for TLH and immediately rebuy in EEM (t...
by AndroAsc
Thu Jan 07, 2016 6:46 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12956

Re: worst first four opening days in HISTORY for S&P 500

Seriously, it's just 5%. I don't even care, and most of you should not too. Anyway, how can this be the worst days, when during a real crash we see loss of 50-90% value?
by AndroAsc
Wed Jan 06, 2016 2:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 122
Views: 18117

Re: Seattle Chapter?

When are the regular meetups? It is on a Sat every quarter?
by AndroAsc
Wed Jan 06, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Personal Finance Club/Network at Work: Good idea?
Replies: 9
Views: 449

Re: Starting a Personal Finance Club/Network at Work: Good idea?

My subconscious was telling me it was a bad idea, which is why I probably posted here first.

Thanks for reminding me how many ways things can go wrong.
by AndroAsc
Wed Jan 06, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Personal Finance Club/Network at Work: Good idea?
Replies: 9
Views: 449

Starting a Personal Finance Club/Network at Work: Good idea?

The company I am working for has an infrastructure to setup clubs/networks (e.g. toastmaster network, basketball clubs, etc. that sort of thing). These clubs/networks are also employees-only. Obviously, there is nothing related to personal finance or investments. I was thinking of starting one, it w...
by AndroAsc
Wed Dec 30, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a CPA for my taxes (personal not business)?
Replies: 27
Views: 1807

Re: Do I need a CPA for my taxes (personal not business)?

not clear you need a CPA, a knowledgeable tax professional should be able to sort thru your 2014 issues and get the right forms done. So a CPA or an enrolled agent (who can practice before the IRS) should be able to help you out. You could also ask friends if they know someone local with solid skil...
by AndroAsc
Wed Dec 30, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a CPA for my taxes (personal not business)?
Replies: 27
Views: 1807

Do I need a CPA for my taxes (personal not business)?

I have not ever hired a CPA to do my taxes because they were fairly straightforward. But 2015 is a complicated year, and I also need to refile/follow up for 2014 taxes. In 2015: 1) I changed my residency from a non-resident alien to a resident alien. 2) I moved from one state to another 3) My income...
by AndroAsc
Sat Oct 31, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: Vacation with Parents, Is it Weird to Share a Room?
Replies: 63
Views: 6044

Vacation with Parents, Is it Weird to Share a Room?

I was thinking of treating my folks to a vacation in the Caribbean later this year. It's just going to be the 3 of us, me and my folks. As a frugal Boglehead, if I go with them on this vacation, that means I'll have to get my own room. That also doubles the cost, since I am paying for the entire tri...
by AndroAsc
Wed Oct 21, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Should Tax-Loss Harvesting be done together with Tax-Gain Harvesting?
Replies: 6
Views: 411

Should Tax-Loss Harvesting be done together with Tax-Gain Harvesting?

Tax-Loss Harvesting is really popular here in this forum, but the emphasis on Tax-Gain Harvesting seems to be in comparison non-existent. I ran across an article recently: http://www.madfientist.com/tax-gain-harvesting/ It's really a really random article, nothing too insightful, but then I got remi...
by AndroAsc
Mon Oct 19, 2015 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?
Replies: 17
Views: 942

Re: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?

Thanks, I forgot about deduction and exemption. So in this situation, because there is no way to "control" how I apply/use my tax losses, I will be better off doing tax gain harvesting in 2015, and then do tax loss harvesting in 2016 (assuming the market doesn't rebound during that time)?...
by AndroAsc
Mon Oct 19, 2015 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?
Replies: 17
Views: 942

Re: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?

You're running out of time in 2015 to max out 401k? Does the new job allow you to contribute to 401k right away and do they limit your contributions? You'd need to contribute at close to 100% to max out at 18K for 2015. Did you contribute to retirement plans at the old job. If you contributed to a ...
by AndroAsc
Mon Oct 19, 2015 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?
Replies: 17
Views: 942

Re: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?

Moving on and assuming that I will be in the 15% tax bracket, should I tax gain harvest or tax loss harvest? Why do you think you need to sell something? If you don't sell, it won't impact your taxes. Don't forget that the U.S. has a progressive tax system, in that after deductions and exemptions, ...
by AndroAsc
Mon Oct 19, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?
Replies: 17
Views: 942

Re: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?

Thanks, I forgot about deduction and exemption.

So in this situation, because there is no way to "control" how I apply/use my tax losses, I will be better off doing tax gain harvesting in 2015, and then do tax loss harvesting in 2016 (assuming the market doesn't rebound during that time)?
by AndroAsc
Mon Oct 19, 2015 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?
Replies: 17
Views: 942

Moving from 15% to 25% bracket, Should I tax loss or tax gain harvest?

Hi everyone, this is a not-too-simple scenario, appreciate any help and feedback. In the middle of this year, I moved to a new job, which technically puts my combined annual income into the 25% bracket, but I think I can reduce it down to the 15% bracket with maximum 401k contribution. Running the m...
by AndroAsc
Sun Oct 18, 2015 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a Wash Sale if I Rebuy in a 401k?
Replies: 4
Views: 625

Is it a Wash Sale if I Rebuy in a 401k?

I have more than half of my assets in taxable, and I am planning to move them slowly into a 401k. Is it considered a wash sale if I sell an asset in taxable and rebuy it in a 401k? A related question is is tax loss harvesting allowed if I sell an asset in taxable and rebuy it in a 401k (assuming it ...
by AndroAsc
Fri Oct 09, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: From a tax-perspective is non-deductible after-tax 401k the same as a taxable account?
Replies: 6
Views: 637

From a tax-perspective is non-deductible after-tax 401k the same as a taxable account?

I am having difficulty in understanding what is the difference between a taxable account and an after-tax 401k (not Roth, and not traditional/deductible). It seems that in both instruments, only the earnings are taxed. And so if you can contribute up to $50k to your 401k, with the $30k+ extra via af...
by AndroAsc
Fri Oct 09, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mega Backdoor Roth
Replies: 15
Views: 1321

Help with Mega Backdoor Roth

This is so exciting, I just realized that the new job I started this year has Mega Backdoor Roth! Correct me if I am wrong, but the 401k allows me to: a) Contribute after-tax money (not Roth) b) Perform in-service withdrawal from my 401k, taking from the after-tax money before pre-tax So, I can do a...
by AndroAsc
Sat Oct 03, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: It's illegal not to reply to a US Census Request? (Identity Theft Concerns...)
Replies: 27
Views: 1760

It's illegal not to reply to a US Census Request? (Identity Theft Concerns...)

So, I received a mailer from the US Census Bureau, with a big warning that not responding is "illegal". First, I was not aware that no responding to a US Census request is illegal. Is this a joke? Why should I be compelled to give up data that might be considered personal? Also, I have no ...
by AndroAsc
Wed Sep 30, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs traditional: My experience
Replies: 62
Views: 6017

Re: HDHP vs traditional: My experience

Do you need to maintain a HDHP to use HSA for qualified medical expenses? For example, in 10 years time, I am not on a HDHP, but I have a substantial HSA balance from my early years. Can I use that HSA to pay for my medical expenses if I am not on a HDHP at the time of the claim?
by AndroAsc
Wed Sep 30, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs traditional: My experience
Replies: 62
Views: 6017

Re: HDHP vs traditional: My experience

Not all HDHPs are a good deal, for every individual circumstance. That said, you should factor in the tax break of maxing out your HSA. Multiply $3,350 ind./$6,650 family by your top marginal tax burden (federal + state + payroll if through a "cafeteria plan"). I'm in the 25% bracket. So ...
by AndroAsc
Wed Sep 30, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs traditional: My experience
Replies: 62
Views: 6017

Re: HDHP vs traditional: My experience

Excuse my hijacking of this thread, but I am also in a similar situation. I don't understand how OP can conclude that HDHP is better when there is no premium savings! My HDHP has some premium savings, and I am not convinced. For my HDHP plan, my OOP is $3500 more than my traditional plan. My premium...
by AndroAsc
Wed Sep 30, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: HDHP/HSA vs Standard Health Care Plans
Replies: 5
Views: 628

HDHP/HSA vs Standard Health Care Plans

After years of musing over the lack of HDHP/HSA from my employer, now that they finally offer it, I find myself unwilling to pull the trigger. Grass is always on greener on the other side, eh? Here's the plan details. There is only 1 person on the plan. Current PPO Plan Deductible: $500 (in-network)...
by AndroAsc
Mon Aug 17, 2015 5:32 am
Forum: Personal Finance (Not Investing)
Topic: [Contributions to MyRA with existing Roth IRA]
Replies: 5
Views: 844

Re: [Contributions to MyRA with existing Roth IRA]

What happens when you contribute >$15k into MyRA over time? Does it get liquidated or can you keep the G fund?
by AndroAsc
Fri Aug 14, 2015 6:50 am
Forum: Personal Finance (Not Investing)
Topic: 5 Finance Myths Millennials Should Avoid
Replies: 32
Views: 5787

Re: 5 Finance Myths Millennials Should Avoid

I don't see how anything the article has written is bad. 1. I have lots of credit cards. I gain extra money from signing up a dozen new credit cards each year. My credit score is good. I don't overspend, I track my expenses like a hawk in Quicken. 2. I don't put money in the bank unless it's an emer...
by AndroAsc
Wed Aug 12, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9637

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

On your death bed you will want reflect on a satisfying career that led to some form of financial success. Seeking "top dollar" will not make you happy, even when achieved. I chose a public service field that is my passion. It will not make me rich instantly, but following the Boglehead p...

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