Search found 168 matches

by Zeppcoustic
Sat Jan 09, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: tax home/medical fellowship deductions
Replies: 4
Views: 447

Re: tax home/medical fellowship deductions

^ Thanks. I have read that WCI post with replies. My situation is more complicated in that I will be looking for a job in a new state (State C) after my fellowship, as opposed to returning to state where I was previously working as a resident.
by Zeppcoustic
Fri Jan 08, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: tax home/medical fellowship deductions
Replies: 4
Views: 447

tax home/medical fellowship deductions

My wife and I are doctors in training. Check out this scenario and let me know what you think; couldn't find a similar case from White Coat Investor postings. We have been living in State A for years (current tax home). In July I move to State B for fellowship training. My wife moves to State C for ...
by Zeppcoustic
Thu Dec 31, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: backdoor Roths to be safe if close to $194k for 2016?
Replies: 7
Views: 821

Re: backdoor Roths to be safe if close to $194k for 2016?

Thanks. Wait, 403b contributions are deducted for our MAGI? Did not realize that. We have no HSA contributions. Moonlighting income is W-2 Traditional 403b contributions reduce AGI and MAGI. Roth 403b contributions do not reduce AGI/MAGI. I imagine lots of docs in training who expect to earn very h...
by Zeppcoustic
Wed Dec 30, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor Roths to be safe if close to $194k for 2016?
Replies: 7
Views: 821

Re: backdoor Roths to be safe if close to $194k for 2016?

The Roth IRA limits are based on MAGI not gross income. MAGI for Roth IRA purposes starts with AGI then makes modifications. If 193K is your anticipated gross income things like Traditional 401k/403b will reduce your AGI. Say you each max out Traditional 401k/403b for 18K each. This will give you A...
by Zeppcoustic
Wed Dec 30, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor Roths to be safe if close to $194k for 2016?
Replies: 7
Views: 821

Re: backdoor Roths to be safe if close to $194k for 2016?

The Roth IRA limits are based on MAGI not gross income. MAGI for Roth IRA purposes starts with AGI then makes modifications. If 193K is your anticipated gross income, things like Traditional 401k/403b will reduce your AGI. Say you each max out Traditional 401k/403b for 18K each. This will give you ...
by Zeppcoustic
Wed Dec 30, 2015 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor Roths to be safe if close to $194k for 2016?
Replies: 7
Views: 821

backdoor Roths to be safe if close to $194k for 2016?

Good afternoon, We are resident docs. My wife will work as an attending for last 3 months of 2016. I will be a resident for 6mo, then a fellow for 6mo. I estimate our income to be around $193,000 next year. This is a roughish estimate as I will continue to moonlight in my residency program for the n...
by Zeppcoustic
Tue Dec 29, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Travel Perks
Replies: 11
Views: 1052

Re: Credit Card Travel Perks

Are the miles you on your card for that sign up OK with the airlines even though you cancel the card for the second year? Have you cashed them in and had any problems? Move them to another card with same bank, or transfer them to a FF/hotel/whatever program first. Then you are good. You risk forfei...
by Zeppcoustic
Tue Dec 29, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Travel Perks
Replies: 11
Views: 1052

Re: Credit Card Travel Perks

^ agree. Unless you have a really thin profile it should not be a problem.
by Zeppcoustic
Tue Dec 29, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Travel Perks
Replies: 11
Views: 1052

Re: Credit Card Travel Perks

Prestige has Admirals Club access if you are flying American. Also gives you Priority Pass lounge access wordwide.

Don't forget the free 3 rounds of golf annually, if you play. This alone makes the annual fee moot. This includes TPCs and other great tracks around the world
by Zeppcoustic
Sun Dec 13, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

I think you have to imagine what mundane daily life will be like and weigh less the possibilities of hiking, hanging out in bars, etc. You know you will be working really hard and will just want to collapse at home at the end of the day. Top priorites are the variety of take-out food places nearby,...
by Zeppcoustic
Sun Dec 13, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

^^ Agree that the Ripley's is a garish blight next to the Alamo sight. Was pretty surprised to see that.
by Zeppcoustic
Sun Dec 13, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

I've worked in San Antonio for over three years, on a military base. Overall I love it. Here's my take: Military: this city is all about it for better and (mostly) worse. Because of the bases it adds a young, transient, and aggressive element that is not ideal. Areas around the bases are often low ...
by Zeppcoustic
Sat Dec 12, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

^ Thanks for thoughtful reply.
by Zeppcoustic
Sat Dec 12, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

As a general rule, outdoorsy exercisey people don't live in Texas or West Virginia. They're well known to be fatty states. The weirdest thing I noticed when I moved from the Intermountain West to the East Coast was that nobody had bike/ski racks on top of their cars. Nobody. After a few months, I r...
by Zeppcoustic
Fri Dec 11, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

Point being, depending on what you are into most cities have something for everyone. Maybe posting in a thread like this to disparage places people call home is not the best use of time? I agree. Many of the posts have been helpful recently however. We have the San Antonio contract pretty much done...
by Zeppcoustic
Fri Dec 11, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

You might want to check property taxes in San Antonio. Texas property taxes are some of the highest in the country. Don't be fooled by the "no state tax" slogans. All in all. I lived in San Antonio. And San Antonio is the only place I would live in Texas. I also lived in DFW for 26 years....
by Zeppcoustic
Fri Dec 11, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

Being close to parents - half day drive - can be important. I'd give that a lot of consideration. My experience is that outdoor exercise and yard work need to be finished by 10 am during many months of the year in the warmer parts of the country. I hear you. My parents will probably be leaving NJ p...
by Zeppcoustic
Thu Dec 10, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

Thanks to all who took the time to reply! I feel we will be happy in either location. Some very helpful insights.
by Zeppcoustic
Thu Dec 10, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

My wife practices a surgical subspecialty where there were only so many places hiring for the upcoming year. These two places were the best jobs for her, and she has good leverage in negotiating because she fills a much-needed niche in their centers. Also both have good options for me and have been ...
by Zeppcoustic
Thu Dec 10, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

I have been to and have physician friends at both places. I would suspect life would be much slower paced in WV. Weather more comparable to home base in WV. I personally think that the daily commute is more important than occasional commute to the regional airport. I work in a rural area and my reg...
by Zeppcoustic
Wed Dec 09, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

Everybody tells me that San Antonio has the Alamo. Ah yes, I remember that. I have friends who live there. A couple years ago, one of them told me that the daily high didn't go below 90F for 7 months. That was all the motivation I needed to stay where I am. I hear you. It was pretty hot when we int...
by Zeppcoustic
Wed Dec 09, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

San Antonio vs. Morgantown, WV for 2 docs

Just wanted to pool the collective forum for thoughts/experiences/recommendations. I know it is a personal decision and it's tough to advise but we are pretty torn. Offers are really close and we are negotiating with the hospital admins now. Something you offer might be helpful and/or spark somethin...
by Zeppcoustic
Wed Jul 22, 2015 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Re: young docs: 403b conversions and backdoor Roths

Thanks guys. Interesting Alan S, did not realize that. I plan to just do the TIRA>>Roth conversion; VG website link sort of funneled me down that route anyway. All pretax contribs to my wife's 403b.
by Zeppcoustic
Wed Jul 22, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Update>> young docs: 403b conversions and backdoor Roths

So I'm planning to convert my wife's 403b to her Roth at Vanguard. Just talked to a VG rep who told me there is no direct 403b>>Roth IRA pipeline. Rather, it is 403b>>Traditional IRA>>Roth IRA. He said the TIRA will hang around with a $0 balance for a couple years for tax accounting purposes. Are th...
by Zeppcoustic
Fri Jul 10, 2015 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Re: young docs: 403b conversions and backdoor Roths

zeppcoustic, I will share my experience with you: -upon leaving my fellowship I rolled my 403b into my new employers 403b. Thankfully, I have VTSMX and VBTLX (institutional ratios) in my 403b, as well as the whole line of target date and risk based vnaguard funds. I am glad I moved from TIAA-Cref (...
by Zeppcoustic
Fri Jul 10, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Re: young docs: 403b conversions and backdoor Roths

I wouldn't convert yet, do you know where you'll work in the next 3-5 years? if at an organization which allows you to roll in an old 403b, you can sequester the pretax money and do a backdoor Roth then. We converted $20,000 in gains at the 33% bracket when we were 37 years old. That opened up, hop...
by Zeppcoustic
Fri Jul 10, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Re: young docs: 403b conversions and backdoor Roths

I am planning to max my 403b this year.

Torn on the conversion in 2016. I like the idea of just dumping the whole balance into my Roth for simplicity sake, having one less account and website to deal with, etc. On the other hand, converting at 33%.....painful.
by Zeppcoustic
Thu Jul 09, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

Re: young docs: 403b conversions and backdoor Roths

Thanks for replies Jim and sharpjm. A family member paid off our med school loans. We are repaying a modest monthly amount at 3.4% currently. Plan to pay off the rest in two years when we are both attendings. If I decide not to convert my 403b, would you leave it with my existing 403b custodian? I h...
by Zeppcoustic
Thu Jul 09, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: young docs: 403b conversions and backdoor Roths
Replies: 15
Views: 1384

young docs: 403b conversions and backdoor Roths

Good afternoon. I am finishing my residency in NY in June 2016 and starting new job/fellowship in July. My wife is a year ahead; she just started her fellowship now and will be an attending in July 2016. We are moving to SC then. We have both maxed our Roths this year. Our income for 2015 should be ...
by Zeppcoustic
Sat Dec 06, 2014 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10518

Re: Am I being cheap?

Louis Winthorpe III wrote:
livesoft wrote:If she wants a ring, make her go buy it for herself.


Bizarre.


Indeed
by Zeppcoustic
Sat Dec 06, 2014 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10518

Re: Am I being cheap?

This is a no-brainer. Buy her a nice enough ring to make her proud to show it off. You can afford it. It will be on her finger all the time for (hopefully) the rest of your lives. Be stingy when it comes to cars, houses, etc. Crap that costs way more than a piece of jewelry and really matters finan...
by Zeppcoustic
Sat Dec 06, 2014 7:17 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 8529

Re: Why So Many Used Prius for Sale?

Any 1st generation Prius owners out there? My 2002 Prius has 144,000 miles. Averaging about 44-45 mpg these days. Recently switched to a harder tire (Michelin Defender) from the OEM Bridgestones in an effort to approve tire longevity. Slight mpg hit but the tires are definitely wearing better.
by Zeppcoustic
Sat Dec 06, 2014 7:14 pm
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1948

Re: Selling your old cell phone for cash

eBay worked very well for me in selling my iPhone 4
by Zeppcoustic
Sat Dec 06, 2014 7:12 pm
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 7324

Re: Who Paid for the wedding?

Expectations do not equal reality in many circumstances, certainly in wedding funding. Open communication is key, albeit can be difficult depending on the families' relationship.
by Zeppcoustic
Sat Dec 06, 2014 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10518

Re: Am I being cheap?

This is a no-brainer. Buy her a nice enough ring to make her proud to show it off. You can afford it. It will be on her finger all the time for (hopefully) the rest of your lives. Be stingy when it comes to cars, houses, etc. Crap that costs way more than a piece of jewelry and really matters finan...
by Zeppcoustic
Fri Oct 03, 2014 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio sanity check please
Replies: 8
Views: 1050

Re: Portfolio sanity check please

Plan sounds reasonable to me
by Zeppcoustic
Fri May 02, 2014 1:00 pm
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 10356

Re: Good scotch recommendations, where to buy

Great post. All the solid recommendations have been made. It really comes down to taste. What do you like? Smoky/peaty/sweet/smooth/citrus notes/etc? So many great whiskeys of the world to enjoy. Of course, American bourbons. Japan has been making a nice product for a while. One of my favorites is t...
by Zeppcoustic
Sat Apr 26, 2014 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 728

Re: 403b pre vs post-tax contribs for young doc

No loan issues. Is only point of after-tax "non-Roth" contribs to allow extra savings over the 17.5k limit? Not seeing the benefit otherwise. Seems best plan might be to do in-plan conversions if I can. Move as much as possible to my Roth without major change in tax brackets. I'm able to s...
by Zeppcoustic
Fri Apr 25, 2014 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 728

Re: 403b pre vs post-tax contribs for young doc

What is the difference between Roth and non-Roth after tax contributions? I thought they were one and the same. My plan allows up to 10% after-tax contribution. Good point about the tax bracket change. When I finish residency my wife will already be an attending and we'll be in a higher bracket. I'l...
by Zeppcoustic
Fri Apr 25, 2014 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403b pre vs post-tax contribs for young doc
Replies: 7
Views: 728

403b pre vs post-tax contribs for young doc

Forgive me I know this has been discussed in prior threads; I am trying to review those. Appreciate any input: I am maxing my 403b at work via the pretax route. I have two years of residency left. Upon the end of it, I was planning to do a 403 > Roth conversion and pay the taxes all at once. Figure ...
by Zeppcoustic
Mon Jan 27, 2014 6:05 pm
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 1556

Re: buying latex mattress online

Thanks for all the replies!

Polystallion- Glad this thread helped you out. Let me know how you like your mattress, I may order one next.
by Zeppcoustic
Mon Jan 27, 2014 6:56 am
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 1556

buying latex mattress online

Hi guys- Have perused several of the previous posts here on mattresses and found the info very helpful. Has anyone bought a latex mattress from Foam Factory? Their prices are over 50% less than other sites like Flobeds, Foam Sweet Foam, and others who sell latex mattresses. Price difference between ...
by Zeppcoustic
Mon May 13, 2013 1:23 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 11340

Re: Books that have actually changed your life, in a way.

God Is Not Great by Christopher Hitchens
by Zeppcoustic
Thu May 09, 2013 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Resident: When Should I Get Disability Insurance
Replies: 80
Views: 4551

Re: Medical Resident: When Should I Get Disability Insurance

Definitely get it. It should be affordable. I pay $51 a month to Guardian for a $4k monthly benefit after discounts. I am a radiology resident, class 4M.
by Zeppcoustic
Sun Feb 03, 2013 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Financing medical school. Age 34, some savings.
Replies: 63
Views: 6104

Re: Financing medical school. Age 34, some savings.

zebrafish wrote:Username: hematochezia

Occupation: head and neck surgeon

:shock:


LOL.
by Zeppcoustic
Thu Jan 31, 2013 3:02 pm
Forum: Personal Consumer Issues
Topic: Super Bowl pools
Replies: 17
Views: 1977

Super Bowl pools

Any participants out there?

Our department does the standard 100 box grid at $5/box.
by Zeppcoustic
Fri Dec 28, 2012 3:37 pm
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6414

Re: Need Bourbon Advice

Has anyone tried the Pappy Van Winkle 20 year-old or 23 year-old?
by Zeppcoustic
Wed Dec 26, 2012 6:02 pm
Forum: Personal Consumer Issues
Topic: best wrinkle-free shirts
Replies: 39
Views: 7674

Re: best wrinkle-free shirts

madef88 wrote:Brooks Brothers Semi-Annual Sale starts today and ends January 3. FYI.


Thanks for the heads up! Just re-upped.
by Zeppcoustic
Sun Dec 02, 2012 9:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1338008

Re: What Book Are You Currently Reading? Part V

Lonesome Dove by Larry McMurtry
by Zeppcoustic
Tue Nov 06, 2012 6:27 pm
Forum: Personal Consumer Issues
Topic: honeymoon recommendation
Replies: 30
Views: 1712

Re: honeymoon recommendation

Professor Emeritus wrote: Zeppcoustic wrote:So many options..wow.
Couldn't help but laugh reading some of the replies mentioning polar bears and cruises...golf is a necessity! :oops:

I



for a Honeymoon ??? sounds very kinky!!


Lol

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