Search found 37 matches

by Natsdoc
Mon Aug 21, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Best internet provider in Boston?
Replies: 8
Views: 506

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: 6545

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: 2255

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: 2504

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 an...
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: 9253

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 m...
by Natsdoc
Thu Apr 06, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Transfer from actively managed investment
Replies: 9
Views: 814

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 t...
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: 3957

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: 1253

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: 1412

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: 3107

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...
by Natsdoc
Wed Mar 15, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Need help with inheritance
Replies: 11
Views: 1430

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: 2843

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-loan ... disability
by Natsdoc
Sun Feb 12, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 946

Re: Medium term savings goals

Recently married and have been converting my husband to the Boglehead ways. 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...
by Natsdoc
Wed Feb 08, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3247

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...
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: 3656

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: 15406

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: 3082

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: 1005

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: 2389

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: 2527

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: 1604

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: 1706

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...
by Natsdoc
Sat Jan 17, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 4038

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 ar...
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: 2226

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: 8274

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: 8274

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: 14201

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! 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 non-...
by Natsdoc
Sat Nov 15, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie we need help!
Replies: 15
Views: 1058

Re: Newbie we need help!

White Coat Investor has some really helpful resources for physicians at all levels of training: m 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 fantastic! Yes, you want to increase the amount of your eme...
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: 605

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: 960

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...
by Natsdoc
Tue Jul 08, 2014 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 3718

Re: Best way to start building wealth as a teenager

If you make a withdrawl from a Roth IRA it will count as income, which can decrease your eligibility for aid the following year.
by Natsdoc
Tue Jul 08, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA and priorities!
Replies: 9
Views: 1204

Re: Help with AA and priorities!

Thanks to all for the input - it's been very helpful. Will probably decrease 403b contributions slightly and keep same AA though not eliminate altogether and focus on the student loans.
by Natsdoc
Mon Jul 07, 2014 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA and priorities!
Replies: 9
Views: 1204

Re: Help with AA and priorities!

HurdyGurdy wrote:This one

Fixed Interest Option FB125 N/A

may be a Stable Value Fund. Do you know its return?


It is a stable value fund. The return is 2.2 %
by Natsdoc
Sun Jul 06, 2014 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA and priorities!
Replies: 9
Views: 1204

Help with AA and priorities!

Emergency funds: ~4 months in Ally Savings account Debt: No mortgage, no consumer debt. Student loans: 54600 @ 4.65% (weighted average) Breakdown as follows: 14,600 @ 6.3 % 8,300 @ 5% 26,600 @4.5 % 5,100 @ 2% Tax Filing Status: Single Tax Rate: 28% Federal, 9% State State of Residence: DC Age: 31 De...
by Natsdoc
Sat Jun 28, 2014 4:53 pm
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 4247

Re: favorite mid/low-priced Caribbean locale?

Haven't been to many places but USVI was easy and relatively cheap. Stayed in a small family owned resort in St Thomas outside Redhook, took the ferry to St John (Which had nicer beaches). No customs, exchange, clean water, use your cell phone. Liked it much better than the megaresorts of Punta Cana...
by Natsdoc
Sat Jun 28, 2014 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or not to HSA
Replies: 12
Views: 1777

Re: To HSA or not to HSA

Another thing to keep in mind as you try to estimate expenses - you need to confirm whether or not your HDHP preventive care without any contribution/copay (as most due under new ACA rules - but some older ones may still be grandfathered in) - if so the baby's well child checkups, and immunizations ...
by Natsdoc
Fri Jun 27, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Student loans- paid ahead status, pro-rating payments
Replies: 15
Views: 1720

Re: Student loans- paid ahead status, pro-rating payments

I have similar issues with my servicer (Sallie Mae) I have been sending in extra payments on my highest interest loans, along with written instruction to which sub-group loan to apply to, and to not advance my due date. This was all going well until they lost $1000 check I'd sent (applied it to some...