Search found 7 matches

by mudphudder
Thu Sep 06, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2436

Re: Phone Calls from Windows saying computer has Malware

It's spam.

I get these phone calls and I only have Macs.
by mudphudder
Fri Mar 09, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 5144

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

As a current MSTP'er myself, go with the MSTP. UCSF is a peer institution to Harvard and would set your child up to go onto residency/fellowship at any institution they want (including harvard). This would be a hard choice if your child had an acceptance to a lower ranked MSTP but in this case, it's...
by mudphudder
Thu Feb 01, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 158
Views: 14420

Re: How risky is Med school student loan debt?

It is not very risky for students who attend American MD programs or well established American DO programs. For those who attend an off-shore medical school in the Caribbean or elsewhere it is very risky. The average medical student debt is ~170,000K although higher amounts are not unheard of. That ...
by mudphudder
Mon Nov 06, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 2772

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

I'm a current MD-PhD fellow. The scholarship portion, which covers tuition and fees, is not taxable as income. The stipend which is for living expenses is taxable but is not "earned" income in most situations. This means that she will owe federal, state and possibly local income taxes but NOT FICA t...
by mudphudder
Sat Apr 16, 2016 9:22 pm
Forum: Personal Investments
Topic: Should I buy a vanguard target fund in a non-tax advantaged account?
Replies: 5
Views: 1209

Re: Should I buy a vanguard target fund in a non-tax advantaged account?

A target date 2055 fund is almost all stocks so the small bond exposures really is not that significant. If you are starting out with $5,000 the target date fund might really only own $500 in bonds so that is not worth worrying about. A lot of people, including John Bogle, think it is OK to skip in...
by mudphudder
Tue Apr 12, 2016 11:08 pm
Forum: Personal Investments
Topic: Should I buy a vanguard target fund in a non-tax advantaged account?
Replies: 5
Views: 1209

Should I buy a vanguard target fund in a non-tax advantaged account?

Hi everyone,I've been reading this blog for a while but this is my first time posting. I'm a 23 year old graduate student (read as- paid a stipend, ineligible for IRA or similar accounts) and have come to the point where I've built up enough of a safety cushion that I'm looking to seriously invest i...
by mudphudder
Wed Mar 16, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: Betterment Market Timing Simulator
Replies: 1
Views: 549

Re: Betterment Market Timing Simulator

I beat the buy and hold portfolio by 20%... Must. Resist. urge. to market time. Pretty gimmicky way to promote a product though and I'm sure that many people don't believe the results since they only give you 5 word headlines to base your decision on. Everyone wants to believe they're smarter than e...