Search found 24 matches

by Dmanse02
Wed Jun 07, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Tip Toeing through Summertime 0% auto financing...
Replies: 14
Views: 1392

Re: Tip Toeing through Summertime 0% auto financing...

Another consideration:
Typically your lien holder will require full coverage on your vehicle as opposed to liability only, so you may be looking at higher insurance costs for as long as you keep the loan.
by Dmanse02
Thu May 11, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Choosing the right tax filing status (MFS vs MFJ) with giant student loan debt
Replies: 26
Views: 1929

Re: Choosing the right tax filing status (MFS vs MFJ) with giant student loan debt

We are in a similar situation as you. I am currently under the PAYE program for student loans. We initially did MFS for a couple years and switched to MFJ this year. We came to the simple conclusion that we could pay more towards our loans (MFJ) or pay the tax man more (MFS). Then, it was an easy de...
by Dmanse02
Mon May 01, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Term Life and Disability Insurance Recommendations
Replies: 8
Views: 617

Re: Term Life and Disability Insurance Recommendations

I did not know the farm family had DI - mine is through Guardian. However, I have been through 2 rounds of looking at term life insurance (when we married and again when we had children), and both times, farm family offered the best rates for me. And just like a previous poster said, they will likel...
by Dmanse02
Mon Apr 24, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3806

Re: Zero-Turn Mowers

I haven't seen it mentioned, but what is the consensus for Poulan Pro Mowers? I was looking into potentially buying the PP19A42 model
by Dmanse02
Fri Apr 21, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 4
Views: 641

Re: Student Loan Refinancing

We applied to many loan servicers in a similar situation as you describe. We ultimately used darian rowan bank for a loan amount in mid 6 figures and continue to be pleased with the results. The application process is a hassle, but was worth it for the lower interest rate. They did not ask for any c...
by Dmanse02
Sun Apr 16, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Conflicting Expense Ratios
Replies: 4
Views: 385

Conflicting Expense Ratios

We are deciding what to do with wife's 401k savings as she changes jobs. It is currently invested in AROIX (American Century Investments One Choice 2045 Portfolio Investor Class) with Wells Fargo. In researching, I see different expense ratios listed - 0.2% or 0.97%. What gives? If it's 0.2%, I am i...
by Dmanse02
Sun Apr 16, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Return on Assets and Equity
Replies: 1
Views: 204

Return on Assets and Equity

Hello all, Looking for some guidance and education. Using the Morningstar x-ray tool, I notice that it provides some stats such as 'return on assets' and 'return on equity' towards the bottom of the page. It also provides the data as 'relative to the S&P 500.' I have at least a minimal understan...
by Dmanse02
Fri Jan 13, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1888

Re: 65k Cash. 25 y/o. Best place to put this?

Congrats on getting into medical school. It is a long and exciting road. Also, you did very well to save that much $ prior to medical school - far above majority of your peers. I am a recent graduate myself and wanted to weigh in. If you plan on taking out loans for med school, the federal governmen...
by Dmanse02
Thu Jun 09, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple DI policies [Disability Insurance]
Replies: 2
Views: 412

Re: Multiple DI policies [Disability Insurance]

Thank you for the response. Glad to know that 2 DI policies will pay simultaneously. I may go forward with paying for 2 policies.
by Dmanse02
Tue Jun 07, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple DI policies [Disability Insurance]
Replies: 2
Views: 412

Multiple DI policies [Disability Insurance]

Does anyone subscribe to multiple DI policies? Or better yet, made claims on multiple DI policies? And how did it work out? (Outside of employer offered policies) I am curious if it is worth having multiple policies or too complicated and a hassle. I typically like to keep things simple The reason w...
by Dmanse02
Thu May 12, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone explain to me how Term life is a better choice than WLI.
Replies: 69
Views: 7350

Re: Can someone explain to me how Term life is a better choice than WLI.

I also have a question for the crowd in regards to WLI. I had this food for thought: In retirement when one is living off investment accounts, the WLI product gives an option to withdraw money during a down market and pay back once the market recovers. Doesn't this protect from a sequence of returns...
by Dmanse02
Mon Jan 11, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Young Attending 401k choices / Student Loan decision
Replies: 33
Views: 2773

Re: Young Attending 401k choices / Student Loan decision

If you decide to go for PSLF and can muster it, max your 401k to reduce your AGI and thus your PAYE payments. This will lower your overall repayment and help maximize forgiveness. If you must choose a 401k to max out, i would choose yours for this reason. However, it becomes more complicated based o...
by Dmanse02
Mon Dec 14, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation
Replies: 23
Views: 5142

Re: Physician Compensation

Thank you all for the replies as they have been very helpful. To clarify, I am looking to join a hospital-owned outpatient practice likely in a suburban/rural setting. It is much more beneficial for my wife to be in private practice with her career path, and I thought one of us should have a corpora...
by Dmanse02
Sat Dec 12, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation
Replies: 23
Views: 5142

Physician Compensation

Hello all, I am a graduating resident currently looking at a few prospective career opportunities. I have seen at least a few physicians posting and wanted to gather more advice/information. Soon to be out of residency, I am curious what compensation is reasonable in comparison to published data fro...
by Dmanse02
Fri Oct 30, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3938

Re: Hawaii vacation questions

My wife and I traveled to both honolulu and maui in spring 2014. There are packages to travel to multiple islands if you dont want to have to choose between them. We booked our vacation thru AAA, which was well worth saving myself the time and hastle. I dont know if I could have even saved myself mu...
by Dmanse02
Wed May 13, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Savings for child
Replies: 1
Views: 466

Savings for child

I have the intention of opening a Roth IRA and investing in a total stock market index fund for my son with the thought that is the best "savings" account option that can be used for education, house, and retirement. However, he has to have earned income, and he is an infant. I do not own ...
by Dmanse02
Sat Apr 25, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2810

Re: Pharmacy School Loan Advice

Being in the medical field, I keep myself up to date on medicine as much as possible. I try to be an optimist, but all the profits seem to be migrating towards the business men and women in the corporations, and not to the people responsible for patient care (although we are increasingly more respon...
by Dmanse02
Tue Apr 14, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dental School Loan Repayment Strategy Advice
Replies: 14
Views: 2586

Re: Dental School Loan Repayment Strategy Advice

Have you looked into refinancing all or part of your loans at lower interest rates? DRB, SoFi, commonbond are places that are willing to risk refinancing large, professional student loans. If you have a good credit score, you could save several thousands over the life of the loans, especially the la...
by Dmanse02
Mon Feb 23, 2015 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: small value funds
Replies: 3
Views: 545

small value funds

Hello all, I wanted to gather some investing advice. I am aware of the simple 3 fund portfolio and intend to follow the Bogleheads theories. I have read that, over time, small value stocks tend to outperform large growth stocks, which is where the Vanguard 3 fund portfolio and target retirement fund...
by Dmanse02
Mon Feb 23, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Calculator
Replies: 4
Views: 1031

Re: Portfolio Calculator

Thank you all for your help. Those resources will certainly be utilized
by Dmanse02
Thu Feb 19, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Calculator
Replies: 4
Views: 1031

Portfolio Calculator

Hello all, I'm new to finance and investing in general, but have been buffing my knowledge over the past couple years. Thanks to all who contribute their knowledge to this forum, and sorry if this is a beginner question. My wife and I have finally graduated and starting our careers. We are using our...
by Dmanse02
Tue Feb 17, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for a medical resident (before start date)
Replies: 18
Views: 1833

Re: Mortgage for a medical resident (before start date)

I won't add to the buying vs. renting argument but regarding being able to obtain a mortgage - I am a 2nd year resident and was able to obtain a "physician" mortgage backed by contracts alone through Republic Bank, which is regional in the midwest (I don't see where your residencies are lo...
by Dmanse02
Sat Dec 20, 2014 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 41
Views: 5729

Re: Car purchase: Buy or Finance

Hi tiff, I am in a similar situation and currently looking for a car. If you are willing to share, I am curious who is offering those good financing options. My credit score is not quite as high as yours, but I think I could qualify for similar terms. As for my two cents - with a rate that low, I wo...

Go to advanced search