Search found 132 matches

by dwade1109
Sun Jun 05, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5639

Re: Real price for a new car

Not to sound like a total newbie, but when you negotiate the out the door cost with the dealer via email (after using edmunds or truecar) can you negotiate for monthly payments as well? Obviously having cash in hand is the best but I am wondering if this process also works if you want to set up a f...
by dwade1109
Sun Jun 05, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5639

Re: Real price for a new car

Not to sound like a total newbie, but when you negotiate the out the door cost with the dealer via email (after using edmunds or truecar) can you negotiate for monthly payments as well? Obviously having cash in hand is the best but I am wondering if this process also works if you want to set up a fi...
by dwade1109
Thu May 19, 2016 5:24 am
Forum: Personal Consumer Issues
Topic: Best moving option
Replies: 15
Views: 1526

Re: Best moving option

-How much stuff are you moving? -Do you want someone to do your packing or just the moving/loading/unloading? -When is you Florida place available? -How important is it to you to stay below a cost of $5000? -Ideally I want everything turnkey since I am being reimbursed -My florida place won't be av...
by dwade1109
Sat May 14, 2016 3:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 141
Views: 22642

Re: South Florida Local Chapter

Moving to Miami area, add me to the list!
by dwade1109
Sat May 14, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Best moving option
Replies: 15
Views: 1526

Best moving option

I am moving from Pennsylvania to Florida and am looking at moving options. I have a couple of mitigating circumstances which make this slightly more unusual than most: 1) I am covered up to moving expenses of $5000 (which includes me flying down, since I don't have a car) 2) My lease up here expires...
by dwade1109
Fri May 13, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 66
Views: 7353

Re: Complete Car Noob- Help Making First Vehicle Purchase

Not to hijack this thread but it seems the consensus regarding the Accord and the Camry is to buy new? Because they do not depreciate as much?
by dwade1109
Thu Apr 28, 2016 5:48 am
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 627

Re: Options for Two Months of Cash Flow?

The 60 day grace period is a great idea! Hopefully I can avoid rent, which is really the dagger :oops: (first month deposit, last month deposit, move-in fee etc)
by dwade1109
Wed Apr 27, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 627

Re: Options for Two Months of Cash Flow?

Exactly how much money do you need for the essentials? Could you live with family or friends for two months to cut down on expenses? I would try to avoid touching retirement funds. I would just live a bare bones lifestyle for two months. There seems to be lots of car offers with very low interest r...
by dwade1109
Wed Apr 27, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 627

Re: Options for Two Months of Cash Flow?

Can you have employer stop withholding state tax for PA? What $ amount do you expect to require for the 2 month period? My plan would be to charge items to the 0% APR card until you reach the $2k limit then use Savings and finally withdraw contributions from Roth. If you plan to save aggressively a...
by dwade1109
Wed Apr 27, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 627

Options for Two Months of Cash Flow?

Age: 28 State: PA till July, FL thereafter Income: 40k annually till July, 200k plus 15k bonus starting in September Assets: Roth: 85k 403b: 50k Savings: 5k I finish medical training end of July and start my first post-training job in September. Due to a recent family issue tapping emergency funds, ...
by dwade1109
Mon Feb 01, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1823

Re: Best place to travel July/August for 1-2 weeks?

Thanks for all the advice guys! I think at this point either China-Tibet or Australia make sense, again want to do something on the other side of the world if possible!
by dwade1109
Sun Jan 31, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1823

Re: Best place to travel July/August for 1-2 weeks?

Thanks for the tips everyone! I've been to Alaska. Same with Switzerland although I love it. Shame about Thailand and New Zealand. South Africa sounds awesome though! I do have 2 months off but I think my girlfriend might leave me if I spend 2 months straight traveling with my platonic female friend...
by dwade1109
Sun Jan 31, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1823

Best place to travel July/August for 1-2 weeks?

My friend and I are graduating medical fellowship and have july and August off before starting our new jobs. We always said we would take advantage of the time off to travel. Any recommendations for a 1-2 week trip? We want to try to do something that will be close to impossible to do in future with...
by dwade1109
Fri Nov 27, 2015 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6714

Re: MDs--Academics or Private Practice?

I'm not sure I'm going to stay there long-term....but on the other hand it gives me a little more flexibility personally and career-wise going forward. Does the academic job have a restrictive covenant? It does, but if I left I don't think I would want to stay in the same area anyway. Signed and ma...
by dwade1109
Mon Nov 23, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6714

Re: MDs--Academics or Private Practice?

Thanks for all the feedback guys. I'm single and unmarried and the academic job is in a better city for singles. I also love to teach and I will get a full dedicated teaching day each week. I'm not sure I'm going to stay there long-term....but on the other hand it gives me a little more flexibility ...
by dwade1109
Thu Nov 19, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6714

Re: MDs--Academics or Private Practice?

Well finally narrowed down to two tangible offers to discuss: 1) Academic job at my alma mater Pros: -Teaching and mentorship opportunities -<1 hour drive to my immediate family -warmer, larger city -academic enviroment, collaboration opportunities -~200k base pay plus potential annual raise dependi...
by dwade1109
Sun Oct 25, 2015 9:38 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1534

Re: Northeast Weekend Getaways for November

There can be quite a range of temperatures. One thing that hasn't been mentioned is that a given time different parts of the NE may have substantially different temperatures. It takes a day or two for a warm or cold front to move across the region. If you choose between say Niagara and the Berkshir...
by dwade1109
Mon Oct 19, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1534

Re: Northeast Weekend Getaways for November

All sound like great options! Cold would be below freezing; coming from Philadelphia cannot expect it to be too warm!
by dwade1109
Mon Oct 19, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1534

Northeast Weekend Getaways for November

Any ideas on good weekend getaways in the mid-atlantic northeast for early November? Taking the significant other on a surprise birthday trip. Things I have read about or thought of: -Berkshires -New Hampshire -Shenadoah Valley -Niagara Thinking something outdoorsy involving a bed and breakfast. Jus...
by dwade1109
Sun Sep 20, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6714

Re: MDs--Academics or Private Practice?

Thanks for all the replies everyone and I apologize for the delay. I am about to graduate as a fellowship-trained eye surgeon and have finished the majority of my job interviews. Basically I am looking at making 1/3 to 1/4 less in the academic setting than in the private one. It's all a lot of money...
by dwade1109
Sun May 17, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6714

MDs--Academics or Private Practice?

From a Boglehead perspective would appreciate thoughts on MDs going into academics versus private practice: Academics Pros: better hours in general, start at slightly higher salary, 'more fulfilling' intellectually, potentially more prestigious, opportunities to contribute to education and progressi...
by dwade1109
Fri Nov 21, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 11505

Re: Life purpose revisited

In my 20's, I am an insecure individual making my way through the world. High school was a terrible time, but college was somewhat better. As I get older, I feel that I grow into the person I was meant to be. I still have more questions than answers, but now I am less bother by the lack of answers....
by dwade1109
Sun Nov 09, 2014 9:07 pm
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 11505

Re: Life purpose revisited

Time flies. Three years ago I started this thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=84670 What followed was some of the most insightful and deeply personal experience I've encountered. So today, on my venerable 26th birthday, I'd like to revisit this topic. What makes you ti...
by dwade1109
Sun Nov 09, 2014 10:27 am
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 11505

Life purpose revisited

Time flies. Three years ago I started this thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=84670 What followed was some of the most insightful and deeply personal experience I've encountered. So today, on my venerable 26th birthday, I'd like to revisit this topic. What makes you tic...
by dwade1109
Sun Aug 03, 2014 12:35 pm
Forum: Personal Consumer Issues
Topic: Business School Loans
Replies: 8
Views: 1621

Re: Business School Loans

Hmmm these are all sobering replies. She did work for a year unpaid as an intern at a marketing firm but she is on the younger end, enrolling at 24. I think in the end I am happy to pull money out of my savings and pay for her school (family is family) but this is all starting to make me wonder whet...
by dwade1109
Sun Jul 27, 2014 10:34 am
Forum: Personal Consumer Issues
Topic: Business School Loans
Replies: 8
Views: 1621

Business School Loans

So I am trying to help my youngest sister navigate getting loans for business school. Unlike the rest of us (I am one of 6, 3 of whom have already gone to grad school) she neither is receiving scholarship money for grad school nor has worked and saved money before going back to school, so this is a ...
by dwade1109
Wed Jun 25, 2014 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of 403b-->Roth conversion
Replies: 3
Views: 301

Timing of 403b-->Roth conversion

Hello everyone! The last time I left my employer I had about 24k in a 403b. Upon leaving I transferred that to a Vanguard IRA and then over 3 years distributed 8k each year into my Roth (paying tax since I am in a low tax bracket). Now I am leaving my current employer at the end of this week. I have...
by dwade1109
Wed May 07, 2014 8:44 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Youth and Risk

Thanks guys. I guess I'm not that creative because I have no such dream :). I'm a tortoise not a hare!
by dwade1109
Thu May 01, 2014 9:59 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Start-Up Business Failure Rates

Dwade wrote: I am curious what people think. Foolhardy or appropriately aggressive? Dwade, you decide: Start-up Business Failure Rate: .......... FAILED Year 1.... 25 % Year 2.... 36 % Year 3.... 44 % Year 4.... 50 % Year 5.... 55 % Year 6.... 60 % Year 7.... 63 % Year 8.... 66 % Year 9.... 69 % Ye...
by dwade1109
Thu May 01, 2014 9:56 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Youth and Risk

The type of creative, outside the box, entrepreneurship investments suggested for you fall in the category of extremely high risk/extremely high reward. It is overwhelming likely that if you regularly invest in and hold TSM for 40 years you'll make a great deal of money. The same cannot be said for...
by dwade1109
Wed Apr 30, 2014 7:38 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Youth and Risk

I wasn't really swayed by his argument; I am busy enough with work that I just do not have time for a side venture or even owning property and renting it. That's the sort of thing that could easily become a money sink. I would have to cut way back in my work to do that and that is not something I a...
by dwade1109
Wed Apr 30, 2014 5:57 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Youth and Risk

A lot of truth in the responses, and nothing I necessarily disagree with. I wasn't really swayed by his argument; I am busy enough with work that I just do not have time for a side venture or even owning property and renting it. That's the sort of thing that could easily become a money sink. I would...
by dwade1109
Wed Apr 30, 2014 3:10 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Re: Youth and Risk

And pray tell, what did said I-banker uncle do when he was 25? When the preacher walks the walk, then it may pay to listen. When preachers preach but their actions fail to match their words, well we have a word for that - hypocrite. He got his masters in electrical engineering, worked for HP for a ...
by dwade1109
Wed Apr 30, 2014 3:05 pm
Forum: Investing - Theory, News & General
Topic: Youth and Risk
Replies: 23
Views: 2003

Youth and Risk

I got into a tremendous debate with my uncle, who is an I-Banker, the other day. The argument centered on how a person in the early stages of their career/life should manage saved money. At 25, single, and unmarried, I adhere to the Boglehead principles; I make more than I spend, I have automatic sy...
by dwade1109
Tue Apr 22, 2014 10:28 am
Forum: Personal Consumer Issues
Topic: Fix Car or get short term rental/lease
Replies: 5
Views: 567

Re: Fix Car or get short term rental/lease

It's a leaking radiator that needs repair...about 500 bucks to repair. Think I'm going to fix it, other options for 2.5 months don't make much sense.
by dwade1109
Mon Apr 21, 2014 8:18 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 27
Views: 3234

Re: Buenos Aires and Macchu Picchu?

Just got back from MP and had a wonderful experience. Thank you for all the wonderful advice :happy Congratulations with a wonderful experience. What were your highlights? Victoria Like the above poster said ice cream in Buenos Aires (I agree about Freddo) was ridiculously good. Overall food there ...
by dwade1109
Mon Apr 21, 2014 8:04 pm
Forum: Personal Consumer Issues
Topic: Fix Car or get short term rental/lease
Replies: 5
Views: 567

Fix Car or get short term rental/lease

So I'm in a bit of a pickle. I am moving from Florida at the end of June and the plan was to sell/junk my aging Mustang with repaired transmission, windows and everything else once I moved. I do not need a car where I am going. Unfortunately things do not go according to plan! Car starting hesitatin...
by dwade1109
Mon Apr 21, 2014 8:01 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 27
Views: 3234

Re: Buenos Aires and Macchu Picchu?

Just got back from MP and had a wonderful experience. Thank you for all the wonderful advice :happy
by dwade1109
Mon Apr 21, 2014 7:59 pm
Forum: Personal Consumer Issues
Topic: Cheapest tablet for Skype/video chat?
Replies: 6
Views: 2248

Re: Cheapest tablet for Skype/video chat?

Thanks for all the feedback. Got my mom the Kindle Fire and she LOVES it, ironically much more for reading books (she has given up paper books all together) given the backlight and larger print.
by dwade1109
Tue Mar 25, 2014 6:54 am
Forum: Personal Consumer Issues
Topic: Cheapest tablet for Skype/video chat?
Replies: 6
Views: 2248

Cheapest tablet for Skype/video chat?

Ease of use is also very important (for my elderly mom) Basically looking for a tablet that is a) wifi b) no data plan c) idiot proof and d) can video chat. Does not break bank but durable. I was leaning iPad because of how user friendly it is and our family's experience with apple but open to sugge...
by dwade1109
Fri Feb 14, 2014 2:45 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 27
Views: 3234

Buenos Aires and Macchu Picchu?

Any tips for must-see yet Boglehead-like cost-friendly tips for BA and Macchu Picchu :happy

Plane tickets and accomodations already set up.
by dwade1109
Fri Jan 31, 2014 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Timing of converting Rollover IRA to Roth IRA
Replies: 1
Views: 173

Timing of converting Rollover IRA to Roth IRA

Quick question for the brilliant minds here:

If I converted a rollover IRA (originally from a prior employer 403b) into a Roth IRA after January 1st of this year, may I count this on my 2013 taxes or am I now obliged to tack this on to my future taxes for 2014?

Thank you!

Josh
by dwade1109
Wed Dec 25, 2013 10:38 am
Forum: Personal Consumer Issues
Topic: Flying American
Replies: 11
Views: 1403

Re: Flying American

Merry Christmas all! Thank you for the replies, my company will not be paying for my travel, this is personal (long-distance relationship :happy ) and would involve flying about 12x a year.
by dwade1109
Wed Dec 25, 2013 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 15658

Re: Which Med school?

As a senior resident set to enter fellowship next year I would say take the deal at Wisconsin. Coming from a small private undergrad where I received a full ride I faced a similar dilemma: either full tuition at an Ivy League or 3/4 scholarship at my state school. I chose the latter and have no regr...
by dwade1109
Mon Dec 23, 2013 11:19 pm
Forum: Personal Consumer Issues
Topic: Flying American
Replies: 11
Views: 1403

Flying American

Any savvy pros have tips for how to maximize miles/credit rewards if planning to fly American only frequently (1-2x/month) for work?

Thanks in advance!
by dwade1109
Mon Dec 23, 2013 11:14 pm
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 8190

Re: NYC, Philly, Boston, or Chicago?

Just final update, heading to Philly next July! Very excited, will be looking for a place in the heart of Center City :)

Thanks for all the input!
by dwade1109
Sat Nov 02, 2013 7:22 pm
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 8190

Re: NYC, Philly, Boston, or Chicago?

So an update now that I am closer to decision-making time: My first choice as of right now is Philly, due to the strength of the program and the experience I had in Center City. After that my options are NYC, Boston, Atlanta, and suburban Detroit. All four are excellent training options with pros/co...
by dwade1109
Sat Jul 20, 2013 11:03 am
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 8190

Re: NYC, Philly, Boston, or Chicago?

Not knowing you, its rather difficult. New York is the height of culture and sophistication, not to mention global opportunities. As a young man, the giddy social life might appeal, with its low to high variety. The city's energy alone is worth the price of admission. The problem with New York City...
by dwade1109
Wed Jul 17, 2013 7:39 pm
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 8190

Re: NYC, Philly, Boston, or Chicago?

Yes!!! Girls in Boston are definitely more attractive than NYC girls from the times I went to Boston My wife agrees. Maybe thats why we dont live there? You're a single guy, this is important consideration. Boston without doubt has beautiful and well educated young women. NYC has by far the most st...
by dwade1109
Wed Jul 17, 2013 7:38 pm
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 8190

Re: NYC, Philly, Boston, or Chicago?

Are there outdoorsy things to do near Philly? For good hiking you have to go up to Rickett's Glen/Endless Mountains. Most of the other hiking isn't so great. PA is known as Rocksylvania on the Appalachian Trail and with good reason. However, there's one gem in the city, which is Wissohickon Park. I...

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