Search found 57 matches

by Natsdoc
Sun Jun 17, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review with a couple questions
Replies: 6
Views: 719

Re: Portfolio review with a couple questions

Do you have term life and disability in place for each of you? If not would look into that ASAP.
by Natsdoc
Thu May 10, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Funding the gap between separation of service and retirement?
Replies: 9
Views: 1105

Re: Funding the gap between separation of service and retirement?

Is your Defined Contribution Plan a 403(b)? Sometimes these are somewhat confusing variable annuity products. Lots of great info here: https://www.403bwise.com What funds are available? I assume with your defined benefit plan that you can separate from employment before 65 and then defer the pension...
by Natsdoc
Sun May 06, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6135

Re: Comparing 2 physician jobs

Personally, I would keep looking for another gig. I really don't like either option. I will warn you the same as EVERY young physician and that is DON'T put such a premium on $$$ and a discount on autonomy. In your field no matter where you go finances in the end will simply not matter in 10-20 yea...
by Natsdoc
Sat Apr 14, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Most efficient way to find an apartment rental in Washington DC
Replies: 7
Views: 839

Re: Most efficient way to find an apartment rental in Washington DC

Agree with condo over apartment - usually get a bit nicer place. Navy Yard has tons of new large apartment buildings however so may be easier to go that route as there is likely more availability but the big buildings are notorious for offering a teaser rate for the first year then bumping up the re...
by Natsdoc
Tue Apr 10, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: 36 yr old BH Newbie with substantial savings- Help!!!
Replies: 75
Views: 10587

Re: 36 yr old BH Newbie with substantial savings- Help!!!

[/quote] @Natsdoc I just read your reply post and I want to thank you so much for taking the time to break it down like this for me. This is extemely helpful and I am so grateful. I am going to take that advice and start by doing the back-door 2017 roth IRA for my wife. I already found out that I ca...
by Natsdoc
Mon Apr 09, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 36 yr old BH Newbie with substantial savings- Help!!!
Replies: 75
Views: 10587

Re: 36 yr old BH Newbie with substantial savings- Help!!!

Welcome. Glad you've seen the light. :) First of all - take a deep breath. Take some time to digest what you are learning here and figure out a plan. Don't do anything (like backdoor Roth IRAs) that you don't understand - yes the deadline is next week but if you miss the 2017 deadline we are talking...
by Natsdoc
Mon Apr 09, 2018 5:52 am
Forum: Investing - Help with Personal Investments
Topic: 6 yr Progress Update and Checkup
Replies: 8
Views: 1424

Re: 6 yr Progress Update and Checkup

If you can live off your pension + side business after age 40 until 55 you've won the game my friend! Probably not a bad idea to keep a taxable cushion but you can also withdraw Roth contributions if needed. I'd wait to buy until after you know where you'll be in 5 years unless you run one of those ...
by Natsdoc
Sat Apr 07, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5610

Re: [When is going out to a restaurant worth it to you?]

It's worth it to us to celebrate surviving another workweek and because we are usually too exhausted to cook on Friday and are tired of leftovers. We cook extra on the weekends and freeze for during the week.
by Natsdoc
Sat Apr 07, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2782

Re: !Please Advise on sensible housing for guy going through divorce!

Sorry to hear about a tough situation. We stayed in an extended stay during a move and it was fairly miserable. Uncomfortable mattress, couch and not a great cooking/eating setup. Not very child friendly either. Most apartment leases offer an early termination clause or can have one negotiated for 1...
by Natsdoc
Wed Mar 28, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: SE Washington DC job - where to live?
Replies: 55
Views: 3432

Re: SE Washington DC job - where to live?

Will add my 0.02 I lived in the Capitol Hill neighborhood and then Navy Yard for 5 years while working in Anacostia (not JBAB but an equivalent commute. I loved it. There is so much development in Navy Yard that it's on track to be one of the most densely populated neighborhoods in DC. I rented a co...
by Natsdoc
Tue Mar 20, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13228

Re: Need advice re: Liberal Arts Colleges...

I went to a non top-tier (non-top-20!) liberal arts college, almost 20 years ago now! I had a specific reason (religious affiliation) for wanting to go to this particular school, and loved my 4 years there. I did pre-med coursework, and went to med school, but my BA is in a social science, since I k...
by Natsdoc
Sun Mar 11, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs - out of luck with unspent (dependent care) FSA?
Replies: 14
Views: 1224

Re: Switching jobs - out of luck with unspent (dependent care) FSA?

Does maternity leave = unemployed? I would think that your wife is still employed, just on leave, unless she is resigning from her job.
Can you use it to prepay childcare expenses -some daycares may give a discount rate if you pay so many months up front.
by Natsdoc
Fri Mar 09, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3861

Re: MD-Phd (Harvard) vs MSTP (School X)

Congratulations to your son. Obviously he's accomplished so much already! My training is all clinical but after a few years in practice I did get a masters at Harvard after doing my clinical training elsewhere. It's a unique place and the opportunities through Harvard and MIT are really almost endle...
by Natsdoc
Sat Jan 27, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: College student co-op, pre-med
Replies: 39
Views: 1707

Re: College student co-op, pre-med

Went straight through from college through residency, and probably no amount of money or anything anyone random said on the internet could have deterred me from that path. Put any excess money in your Roth IRA - figure out how much of an "emergency fund" you need and keep that much in a money market...
by Natsdoc
Thu Jan 04, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 3068

Re: Airbnb - Guide a beginner

We've had only good experiences though only US/Canada Things to watch out for: - make sure you look for "whole house/apt" and not just 1 room (or sofa!) sharing with the owners -if it really seems "to good to be true" it probably is a scam - cleaning fees are separate and not included in the per nig...
by Natsdoc
Tue Jan 02, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on financial management for family member
Replies: 6
Views: 624

Re: Seeking advice on financial management for family member

You could also look into using some of the 401k to "recast" the mortgage to lower monthly payments but still the same interest rate and term. It will still leave her cash poor however would at least be something to consider.
by Natsdoc
Tue Jan 02, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on financial management for family member
Replies: 6
Views: 624

Re: Seeking advice on financial management for family member

Very sorry to hear about your father's illness and decline. I'm sure this is all overwhelming for your mother. A few questions/thoughts - Does she still have 3 cars (for which the loans were outstanding) - can she sell any of these? - Was the educational loan for your parents education or for you/yo...
by Natsdoc
Tue Nov 21, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 2147

Re: Newly built home. sell or rent?

Could you turn it into a vacation rental? A few companies are doing more full service management of these now so less hassle if you live out of state.
https://www.vacasa.com/property-management/
by Natsdoc
Mon Nov 13, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Getting a home mortgage without spouse?
Replies: 43
Views: 3237

Re: Getting a home mortgage without spouse?

When we bought I was in grad school and working part time. (About 20% of my usual salary) We applied for the mortgage jointly, and were preapproved. However, when it came time for underwriting they used only my husbands income/assets etc. Both of our names are on the mortgage and on the deed.
by Natsdoc
Sat Sep 23, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5550

Re: Asking for no wedding gifts

We had the same issue - we didn't want/need any gifts - we were a bit older and military family so try to keep our stuff to a minimum due to frequent moves. From the perspective of family though it's less about a gift to cover the admission to the cool wedding experience than it is celebrating your ...
by Natsdoc
Mon Aug 21, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Best internet provider in Boston?
Replies: 8
Views: 875

Re: Best internet provider in Boston?

Our building had service through Netblazer - a local company. Both service and support (setup and disconnect when we moved away) were excellent.
by Natsdoc
Wed Jun 21, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 8178

Re: Co-workers advising to buy house RIGHT NOW

I don't know if it is true or not but supposedly one of the big investors in the 1920's was able to avoid the stock market crash in 1929 when he sold all of his stocks after his shoe shine boy started talking about what a great time it was to buy stocks. It was Joe Kennedy. Much of the family money...
by Natsdoc
Thu Apr 20, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2502

Re: Starting from Ground Zero!!

Welcome! You can definitely do this on your own without hiring professional help! A couple of thoughts/suggestions on your questions: 1. (a) If we do a trustee-to-trustee transfer of the Roth IRA from Fidelity to Vanguard, there are zero tax implications, since she's already paid taxes on them. Is t...
by Natsdoc
Thu Apr 13, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 3239

Re: Trip Ideas - San Francisco & Northern CA

When my husband was stationed in the bay area we bought a copy of "60 hikes within 60 miles of San Francisco" - nice hiking guidebook and even if you don't use the particular hikes it's a great way to find some of the beaten path destinations. + 1 for Big Basin as well - we camped there and had a gr...
by Natsdoc
Mon Apr 10, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 10796

Re: Spending beyond my means, I think..is my budget out of whack?

To answer one of OPs original questions - I think this is a "blip" right now, and it will get better when the kids start school. Maybe you and your wife together could track spending for a few months (either by reviewing bank/cc statements for the last few months or tracking the next few months) to ...
by Natsdoc
Thu Apr 06, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Transfer from actively managed investment
Replies: 9
Views: 1042

Re: Transfer from actively managed investment

Recent experience - My husband moved his Roth IRA and a taxable account (each in a mishmash of high fee funds) to Vanguard in kind and Vanguard charged a $35 "commission" per fund in both accounts to sell the funds transferred over in kind. He had called and spoke to a Vanguard rep about the cost to...
by Natsdoc
Tue Apr 04, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 4641

Re: Boston apartment hunting advice/can I afford a studio?

We live in Cambridge and it's not cheap up here by any means. JP is a great area and that's a reasonable price on a studio. It will be a little tight but you should be able to afford it if you're careful, which it sounds like you can be. If you wait until fall you get into student moving season and ...
by Natsdoc
Tue Mar 21, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan for First Time Homebuyer
Replies: 32
Views: 1947

Re: TSP Loan for First Time Homebuyer

Are you a DOD employee or have a family member (including grandparents) that were in the military? If so would look at Navy Federal and/or USAA, as they have some 100% financing options without PMI.

Also - sounds like you may be living in my old apartment. :P
by Natsdoc
Tue Mar 21, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1740

Re: Wife going back to school. What financial steps should I take?

Congrats to your wife on her acceptance to a top program! I'm currently taking a year off for a master's program, and I find that going to grad school after working for a few years is very different than going straight out of college. It's much easier to treat it like a job, and to be much more effi...
by Natsdoc
Wed Mar 15, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 3566

Re: How to tackle fiancee's student loan debt

From a slightly different perspective - I was the one coming into marriage with the student loan debt, my husband didn't have any. I think the question of "should you pay fiancees loans/tuition bills" is different than "six month spending plan" To answer the latter question - you don't have that muc...
by Natsdoc
Wed Mar 15, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Need help with inheritance
Replies: 11
Views: 1640

Re: Need help with inheritance

Sorry for your loss. There's no need to make any immediate decisions about investing - take your time and do some reading and thinking. You've come to a great place to get advice on how to manage your dad's legacy responsibly. There are many smart people here who give sound advice and help you think...
by Natsdoc
Mon Mar 13, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Inherited 90K. New to Investing, single parent
Replies: 22
Views: 3154

Re: Inherited 90K. New to Investing, single parent

I don't think it's been suggested yet, but this (free!) booklet by William Bernstein is geared to the young investor: https://www.etf.com/docs/IfYouCan.pdf Also, some individuals who receive SSDI or are disabled may be eligible to have student loans discharged: https://studentaid.ed.gov/sa/repay-loa...
by Natsdoc
Sun Feb 12, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 1313

Re: Medium term savings goals

Recently married and have been converting my husband to the Boglehead ways. :wink: He has a taxable account that was invested via a financial "adviser" with a complicated mishmash of funds with high fees and lots of churn. We are waiting on the transfer to Vanguard to finalize and are planning on pu...
by Natsdoc
Wed Feb 08, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3960

Re: Napa/Sonoma Recommendations

My husband lived in the Bay Area for 2 years while we were dating, so we've done many day trips, and I've flown in before for a "girls getaway" Some thoughts: We love Sonoma, though if it's a once in a lifetime trip it's worth going to Napa for a 1/2 day or day, if for no other reason than to witnes...
by Natsdoc
Fri Feb 26, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's -- Soon to be surgery resident. First time investment help needed!
Replies: 32
Views: 3847

Re: Late 20's -- Soon to be surgery resident. First time investment help needed!

Congrats on being 3 steps ahead of your peers and discovering Bogleheads and White Coat Investor during medical school! Biggest regret of residency = not maxing out Roth IRA for the first 2 years. If you get into the habit of putting the first $458 of each monthly paycheck into a Roth IRA in July of...
by Natsdoc
Sat Feb 06, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 16313

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Congrats on finishing college without any debt, and congratulations on landing a good job right out of college! Being a young high income earner in a HCOLA area is hard because it seems like you have more money than you should know what to do with, but you really don't, as I learned the hard way whe...
by Natsdoc
Fri May 01, 2015 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Total beginner needs advice
Replies: 16
Views: 3218

Re: Total beginner needs advice

Do you have any IRA holdings currently? Instead of a phase-out IRA have you looked into a "backdoor" Roth IRA?
by Natsdoc
Sat Apr 25, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Plans after first 'real' job
Replies: 4
Views: 1041

Re: Plans after first 'real' job

As a new physician I think that just figuring out that you don't need someone to do this for you (for that exorbitant fee!) is the first big step. On that income if you keep living like a resident, max out backdoor Roth IRAs for you both and any tax deferred space you have available, and pay down th...
by Natsdoc
Sat Apr 04, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help For 20-Somethings
Replies: 11
Views: 2435

Re: Portfolio Help For 20-Somethings

I'm still fairly new and rather lurky, but I think overall you're doing quite well, and are light years ahead of where I was at 23! mbierly wrote: I think my plan for now will be: -move IRAs over to Vanguard -Stop contributing to my Roth 401(k) -Sell funds in my 401(k) so I only have a few funds at ...
by Natsdoc
Thu Mar 19, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 2738

Re: 32, New to investing, No retirement fund, Advice Please

If You Can, by William Bernstein is an excellent read for someone just starting out!

https://dl.dropboxusercontent.com/u/290 ... %20Can.pdf

Good Luck!
by Natsdoc
Sat Mar 14, 2015 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Early 30's active duty-new to investing seeking help-Updated
Replies: 10
Views: 1665

Re: Early 30's active duty-new to investing seeking help-Upd

Great work! I'm a newbie so I'd defer to others with more experience - you only list your investments - does your wife have any investments? If not or if she isn't working, are you contributing to a spousal Roth IRA? Would be another way to get more Roth IRA space. Also - thank you for your service!...
by Natsdoc
Fri Feb 20, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1787

Re: In our situation, how much would you put in your 2014 Ro

+ 1 for contributing max to your Roth and holding in a money market account as a second-line "emergency fund" in a money market account. I did it just a few weeks ago. Yes it was scary to see that much disappear from my savings account all at once but I know I can still get to it if I need it in the...
by Natsdoc
Sat Jan 17, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 4548

Re: Options for moving our pets across country

By the way, the "nicest" "pet friendly" motel we've found while driving around the country is La Quinta. If there are other nice ones, I'd like to know about them, as would others. Jim My sister and her golden retriever have always had wonderful stays at Kimpton hotels - they are boutique hotels us...
by Natsdoc
Sat Jan 03, 2015 10:03 am
Forum: Investing - Help with Personal Investments
Topic: College Funding: Roth TSP vs 529 (Older Military Couple)
Replies: 23
Views: 2623

Re: College Funding: Roth TSP vs 529 (Older Military Couple)

Are either or both of you eligible for any GI bill benefits that can be transferred to your children?
by Natsdoc
Sun Dec 07, 2014 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 8768

Re: Navient / Sallie Mae misallocating my loan payments...ag

Thanks all - glad to hear I'm not alone! campy2010 - sorry if I wasn't clear. I do understand that the regular payment has to be applied to each loan every month, via the monthly auto-debit. I don't make extra payments through their website, I send them directly from my bank, (usually a day or two a...
by Natsdoc
Fri Dec 05, 2014 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 8768

Navient / Sallie Mae misallocating my loan payments...again.

I am working on aggressively paying off my medical student loans, however Sallie Mae and Navient (Sallie Mae spin-off for student loan servicing) seem to try to thwart this goal at every turn! I've been holding of on refinancing through SoFi or DRB as I've heard mixed reviews, and though it appears ...
by Natsdoc
Fri Nov 28, 2014 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 14569

Re: Life changing decision... advice needed!

You're makimg > 300K as a general pediatrician and like your job?!?! Yes, by all means do the fellowship, and please let me know where I can send my CV to fill your vacancy! 8-) I'm a little concerned when you say you are doing the ER fellowship to get more exposure to critical care. ER is a lot of ...
by Natsdoc
Sat Nov 15, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie we need help!
Replies: 15
Views: 1128

Re: Newbie we need help!

White Coat Investor has some really helpful resources for physicians at all levels of training: http://whitecoatinvestor.com/new-to-the-blog-start-here/ It's a fantastic resource! You guys are overall doing great for a young family in residency. Having $600 for financial goals after expenses is fant...
by Natsdoc
Tue Aug 05, 2014 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Un-matched 403(b) vs. Roth IRA
Replies: 6
Views: 753

Re: Un-matched 403(b) vs. Roth IRA

I'd max the Roth now while she is in the lower tax bracket. Keep in mind that you have until April 15, 2015 to contribute for 2014, so if you contribute $700/month from August-March you can reach your 2014 contribution of $5500, then use contributions from April-December to fund 2015, with a little ...
by Natsdoc
Sun Jul 27, 2014 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae to DRB refinance - wrong allocation
Replies: 6
Views: 1027

Re: Sallie Mae to DRB refinance - wrong allocation

When I send extra payments to Sallie Mae I send instructions on allocation specifying how the payments should be applied. They will not do it over the phone, and will tell you to send written instructions. I was sending in written instructions with my check, but at least one was lost (and applied to...