Search found 32 matches

by Dicast
Mon Nov 27, 2017 5:21 am
Forum: Personal Investments
Topic: Electronic Fidelity Solo 401k contributions?
Replies: 4
Views: 529

Re: Electronic Fidelity Solo 401k contributions?

I believe you can also make a business cash management account, electronically fund this account and then use it to transfer money to your solo 401k.
by Dicast
Sat Jan 14, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 4793

Re: Stay in paid-off starter house vs. dream house+work a few more years

One thing to consider is that with extra space you may see the family less during your at home times. When there is ample space to spread out, finding everyone in the same place occurs less often. The older the children get, the more likely they are to hole away somewhere else. Project the differenc...
by Dicast
Fri Jan 06, 2017 9:00 am
Forum: Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 5013

Re: How will the market perform in 2017?

The bull will run for another year. I haven't seen enough "Why not 100% stocks?" threads yet. I'm overall 80/20 and I don't see why I'd change that now. I was thinking of starting a thread about using trend following as a replacement for bonds. Might that trigger the downturn? Following trends to t...
by Dicast
Thu Jan 05, 2017 5:52 pm
Forum: Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 5013

Re: How will the market perform in 2017?

The bull will run for another year. I haven't seen enough "Why not 100% stocks?" threads yet. I'm overall 80/20 and I don't see why I'd change that now.
by Dicast
Mon Dec 19, 2016 9:29 am
Forum: Personal Investments
Topic: Financial help for a new doc
Replies: 31
Views: 3329

Re: Financial help for a new doc

It looks like neurosphere has you covered here. I agree with Shackleton that the use of the word "may" does give plenty of room for the gov't to do what ever they want. I'm generally hopeful though that those already in a qualifying repayment plan will be able to proceed through PSLF. If I were just...
by Dicast
Sun Dec 18, 2016 4:11 pm
Forum: Personal Investments
Topic: Financial help for a new doc
Replies: 31
Views: 3329

Re: Financial help for a new doc

The comparison of a 10 year 6% sofi refinance vs PSLF may not be quite the comparison you need. A 5 year refinance has rates as low as 3.375% fixed and lower for variable last I looked. You'll probably still be ahead with PSLF. There is quite a bit of debate as to whether PSLF will be around to forg...
by Dicast
Sun Dec 18, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Winter car safety kit?
Replies: 46
Views: 4160

Re: Winter car safety kit?

I think there are lots of good suggestions. A good leatherman type tool, window break/seat belt cutter tool, floor jack, ratchet set, tire pump are my starting set year around. I think it all depends on how remote you are expecting to be, how cold the area is. I'd scrap regular blankets and just go ...
by Dicast
Mon Nov 28, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Time to buy a vehicle - New vs Used Math Sanity Check
Replies: 24
Views: 4867

Re: Time to buy a vehicle - New vs Used Math Sanity Check

I would go with the new vehicle. Depending on your average mileage you may get an extra 2 years out of the new car if you hit 15k miles per year. 2 years for $3700 would be a pretty cheap deal to me (given the narrow options you have given).
by Dicast
Sun Nov 20, 2016 12:33 am
Forum: Personal Consumer Issues
Topic: Michelin Premier AS, anyone have them?
Replies: 13
Views: 2932

Re: Michelin Premier AS, anyone have them?

2012 Hyundai Genesis 3.8 I've put about 20k miles on these tires. Very quiet. I've only ever spun a tire on an oil slick. No experience on snow/ice but plenty of rain without any issues. Noise is only a factor on very certain patches of highway, mostly on diagonal/cross grain concrete but I can't re...
by Dicast
Thu Nov 17, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 115066

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I wear a t-shirt that says "trust me I'm a doctor". You didn't pick yours up at a thrift store, by any chance, did you? I wouldn't purchase a shirt that says "trust me I'm a doctor" and nothing I own says "Dr." on it except my white coat, badge and stethoscope. A family member gave the shirt to me ...
by Dicast
Thu Nov 17, 2016 12:15 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 115066

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I think you misjudge modern day physicians. The physicians who build the rep of being poor with money and extravagant lifestyles are from the golden era of medicine decades ago, when it was really a good time to be in medicine. Those guys could blow threw cash and didn't care cause they had extreme...
by Dicast
Wed Nov 16, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 15434

Re: Cannot get myself to spend my savings

Break the ice buy taking a 1st class plane trip to an all inclusive resort with some family or friends. Make sure you indulge yourself to all of the "free" stuff you get while on the trip.
by Dicast
Thu Sep 22, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 51775

Re: The Bogleheads' "100 Things Worth Every Penny" List

Sonicare toothbrush
Saddleback leather bag for work (4 years old and still looks new with daily use)
by Dicast
Sun Sep 11, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 6520

Re: 2006 mazda miata for daughter, 42k miles, $10k?

I'd add the additional con that giving a teenager a convertible of any type is a dangerous endeavor. Even good kids do stupid things when they have the available options. I probably wouldn't buy it for her.
by Dicast
Mon Aug 29, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 77
Views: 7556

Re: Good School District or Private School?

My wife and I had this same discussion about a year ago. We settled on buying a more expensive house in a nice school district. You can always sell your house when the children are out of school. You cannot sell your child's education for anything. $20k a year for 10 years with just one child is alr...
by Dicast
Wed Aug 17, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 8521

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

Almost all hospitals have an email, phone number or contact for filing complaints with the administration of the hospital. Most of the time this information should be included with your discharge paperwork. It might only be a couple of lines and you can probably find it on the hospital website under...
by Dicast
Mon Aug 15, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 8745

Re: buying used car smarter than buying new?

One problem with getting a lower purchase price on used cars seems to be that the "best" used cars tend to be the most popular models, and that tends to drive up the price. If only you could find a great used car - that was very unpopular. I suspect that with ratings and feedback all over the onlin...
by Dicast
Mon Aug 15, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 8745

Re: buying used car smarter than buying new?

I think the frequency that you switch to another vehicle is probably more important than whether you buy used or new. A low mileage used SUV for 30% off seems like a good deal. I bought my car used because it had depreciated 50% at 3 years old with 40k miles on it. Bought my wife's car new because t...
by Dicast
Sun Aug 14, 2016 8:00 pm
Forum: Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 10828

Re: new chapter of life started - want to save and grow money

I think you are going to need significant budgeting to realize your goals. Try http://www.youneedabudget.com to get yourself started. I've heard lots of good things about the budgeting software. The most mint.com will do for you is track your spending. You need a budget will make you accountable for...
by Dicast
Thu May 19, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Making an Outdoor Grill Last
Replies: 39
Views: 6273

Re: Making an Outdoor Grill Last

I'm not sure that the cover matters much. I haven't had one on my Weber for the last 2 years and it hasn't seen any new rust to the grill grates. I did however have a cover on it for the 2 years prior...during which time my cooking grates did have significant rust requiring replacement. I would like...
by Dicast
Wed May 18, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 312
Views: 74759

Re: Physician Retirement Savings

It's hard to find reliable information on physician's average retirement savings. Here's mine if it helps. I've been out for about 4 years. Made around 200k for 2 years, now around 400k for about the last 1.5. My wife is finally finishing a fellowship (we started residency at the same time) so she'...
by Dicast
Wed May 18, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 3866

Re: Elliptical trainer

We bought a NordicTrack model, similar to the SpaceSaver model currently for sale. It is about 7 years old and we've put millions of strides on it. It squeeks a fair amount (probably since year 2) no matter how many times I take it apart, grease the appropriate components and put it back together. W...
by Dicast
Tue May 17, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 75
Views: 9371

Re: Emergency Preparedness

I've thought about this in the past. I agree with most of what has been said already. I'd like everyone to consider http://www.solarcooker-at-cantinawest.com/parabolic_solar_cooker_solar_burner.html as a potential solution to cooking without fuel. I don't have any experience but it seems like a good...
by Dicast
Tue May 17, 2016 6:25 pm
Forum: Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 5169

Re: My friend wants to invest money; please review my advice for her

I agree with the others above. I think the goal for why she is investing needs to be investigated more. Is this to bump up the savings to buy a house, buy a car or long term retirement planning? I think at a salary of $20k per year, spending that $40k on an educational/certificate/job training pursu...
by Dicast
Tue May 17, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 35812

Re: 15 vs 30 yr mortgage

I think in a situation where retirement is 15 years out, a 15 year loan would be my choice. If you subscribe to the idea of reducing risk as you approach retirement then I'd say the benefit of investing the difference of payments over years 0-15 of the 30 year loan probably would not outweigh the ri...
by Dicast
Sun May 15, 2016 7:05 pm
Forum: Personal Investments
Topic: Pay off student Loans or invest??
Replies: 12
Views: 1446

Re: Pay off student Loans or invest??

Why not refinance? It sounds as if you already have significant income at the moment. I would recommend checking out SOFI, DRB, Common Bond. I think SOFI is as low as 3.5% for 5 years right now. You might be able to save a significant amount of money in interest if you are not pursing loan forgivene...
by Dicast
Mon Jan 25, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to move from SEP IRA at Vanguard to Solo 401k?
Replies: 3
Views: 609

How to move from SEP IRA at Vanguard to Solo 401k?

I currently have a SEP-IRA at Vanguard with about ~120k in it. When I initially set up the plan, I chose the SEP for simplicity. I figured at that time I would just take any “extra” money after I maxed the SEP and use it to pay down student loans. At this point I’m starting to regret not starting a ...
by Dicast
Wed Jan 06, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Help me loosen the purse strings: need an intervention
Replies: 36
Views: 4877

Re: Help me loosen the purse strings: need an intervention

My wife and I went through a similar dinner table issue. We went through the first 7 years of our marriage eating at a small breakfast nook sized table. She would often talk about how she didn't like it. I would reply that it was solid wood and sturdy enough to last for years. Finally it started tak...
by Dicast
Sun Jan 03, 2016 11:47 am
Forum: Personal Investments
Topic: Can you max 2 different 403b accounts?
Replies: 5
Views: 826

Re: Can you max 2 different 403b accounts?

Thanks for the replies. This has made me realize that my wife will not be vested for matching at her current job and if it is a combined 18K a across all accounts we should probably just wait and max the new one instead. She has a pretty nice pay rate so we should be able to max the 457 at the new j...
by Dicast
Sat Jan 02, 2016 12:53 pm
Forum: Personal Investments
Topic: Can you max 2 different 403b accounts?
Replies: 5
Views: 826

Can you max 2 different 403b accounts?

My wife will be switching jobs from one 403b employer to another this summer. The first is a county run non-profit and the second is a University system. We can dedicate the majority of her pay to maxing out the $18k limit prior to switching jobs. If we do this, can the next job also have an additio...
by Dicast
Sun Dec 20, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 15367

Re: I would like to play the Boglehead car game too

I'm a doctor myself and make around $400k a year. I had a 15 year old Explorer up until about a year ago. Reliability was suffering and I put on about 80 miles per day so I decided to get a different vehicle. Was able to find a used 2012 Hyundai Genesis for $19k including all taxes and fees. I never...