Search found 54 matches

by jhwkr542
Wed Jan 15, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3030

Re: cheap-o rental car chains

Rented with sixt once. Off site and the car reaked of smoke. But it was cheaper and we drove a luxury suv. A smelly one.
by jhwkr542
Sat Dec 21, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: New tax law re: 529 and student loans
Replies: 3
Views: 632

Re: New tax law re: 529 and student loans

This is my thinking as well for my wife's loans. The caveats are that they're limited to $10k lifetime, so it won't be a huge help. I don't know if private student loans qualify either. If they clarify it and say they don't count for our situations, then you can change the beneficiary. On a small am...
by jhwkr542
Mon Oct 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4289

Re: BCBS wont pay lab bill...

Pathologist here. Unfortunately, you'll have to deal with the insurance company and the lab. Was this a pcr panel like biofire? These are newer, so insurance may not cover them but they're not experimental. If it were truly experimental, you wouldn't have been billed. A stool culture would take seve...
by jhwkr542
Tue Jul 23, 2019 3:36 pm
Forum: Personal Investments
Topic: Can we afford $600k home?
Replies: 98
Views: 7326

Re: Can we afford $600k home?

You'd be house poor. It's not crazy in HCOL areas, but you can get a pretty good house for half that in most other areas (depending on location of the house in these areas).
by jhwkr542
Tue Jul 16, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: 457(b)
Replies: 29
Views: 2474

Re: 457(b)

Agree, you're looking at the max employee contribution of $19k for this year. I've never heard of an employer contributing to a 457b, so you'll have up to this limit and that's pretty much the max that will ever go in there. Nor have I heard of after-tax employee contributions being put in there.
by jhwkr542
Sun Jul 14, 2019 1:40 pm
Forum: Personal Investments
Topic: Should I keep my entire 401k and Roth IRA in bonds/REITs?
Replies: 11
Views: 875

Re: Should I keep my entire 401k and Roth IRA in bonds/REITs?

I think putting bonds/REITs in a tax sheltered account is a smart move. The elephant in the room is the student loan debt. Re-financing to a lower rate doesn't beat out everything? No 501c3 work available to try PSLF?
by jhwkr542
Sat Jul 13, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 5647

Re: "Objective" Importance of Keeping Your Physicians?

There's something to be said about continuity. It really makes it easier on your doctor if they already know you. If you come in with an acute complaint, knowing your past medical history is extremely valuable. It also helps having access to past medical records. You'd be amazed at how many patients...
by jhwkr542
Sat Jun 29, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report
Replies: 20
Views: 2411

Re: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report

And the zen master said, "We'll see."
by jhwkr542
Sun Jun 23, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account (Tips for newbie)
Replies: 15
Views: 1200

Re: HSA account (Tips for newbie)

I'd pay with the checking account and then only tap into the HSA if you needed the money. Keep the receipt and you can reimburse yourself whenever you want for it. If you don't need the cash, then you can leave it invested.
by jhwkr542
Sat Apr 27, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2691

Re: How Much to Tip Wedding Officiant

We did not tip our wedding officiant. When you consider how much folks spend on just about all other aspects of a wedding (our son got married last year), why be cheap with the person officiating? Our son and his wife, for example, spent $1,000 on the wedding cake! Because we paid them to be there....
by jhwkr542
Sat Apr 27, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2691

Re: How Much to Tip Wedding Officiant

We did not tip our wedding officiant.
by jhwkr542
Wed Mar 27, 2019 8:59 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth - Has anything changed in 2019?
Replies: 8
Views: 939

Re: Backdoor Roth - Has anything changed in 2019?

No, no change. If anything, they actually stated it's ok, so we don't have to worry about the step doctrine.
by jhwkr542
Wed Mar 27, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Potty Training regression with 4 year old
Replies: 28
Views: 1269

Re: Potty Training regression with 4 year old

If the child really is unaware of their going, scheduled potty time might be in order. Especially if positive reinforcement has failed.
by jhwkr542
Thu Mar 14, 2019 9:42 am
Forum: Personal Investments
Topic: Should we pay down 4% loan more quickly or invest in bonds?
Replies: 42
Views: 3445

Re: Should we pay down 4% loan more quickly or invest in bonds?

The real mistake in this post is taking 15 years to pay off $300k in loans with a $300k salary.
by jhwkr542
Sat Dec 15, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 6011

Re: How much do you pay for internet only?

$60/mo for the first year, about to go up to $80/month. Unfortunately, no competition in the area
by jhwkr542
Tue Dec 04, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1360

Re: New TV and a black screen

I'd probably try getting Comcast to come out to see if they can troubleshoot first. I'm skeptical it's the TV because you DO get picture sometimes. I'm guessing it's the cable box having issues with your TV.
by jhwkr542
Mon Dec 03, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1360

Re: New TV and a black screen

Do you have a computer with HDMI + Audio Output, a streaming stick, an antenna with a Coaxial plugin? Do you have another TV or monitor with speakers? The problem could be any combination of these or more factors: Comcast signal Comcast box Cable (unlikely) Signal converter on TV (Does not apply fo...
by jhwkr542
Mon Dec 03, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1360

Re: New TV and a black screen

I'd be a little more skeptical of the Comcast box. Those things tend to break down a little more than TVs. Do you have any other monitor to troubleshoot? I'd try to get another HDMI cable and a small computer monitor (if you have one or borrow one) and see if you're getting the same issues by replac...
by jhwkr542
Mon Nov 05, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Medical Career License/Certification suggestions please
Replies: 11
Views: 1162

Re: Medical Career License/Certification suggestions please

You mentioned reactive mimics, how do you know they aren't malignant? For Japanese characters, there are many similar but slightly different characters -- so many combinations that have different reading in different contexts. He can distinguish them extremely quickly and accurately. That's the pro...
by jhwkr542
Sun Nov 04, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Medical Career License/Certification suggestions please
Replies: 11
Views: 1162

Re: Medical Career License/Certification suggestions please

As a pathologist, I work pretty closely in all 3 of these fields. All have pretty high demand currently and I see that in the future as well. MLTs have the highest turnover, but that's probably because of the night/weekend shifts that get filled, and then those people move on to get better shifts/pa...
by jhwkr542
Thu Nov 01, 2018 10:21 am
Forum: Personal Investments
Topic: 401k has high fees
Replies: 15
Views: 1301

Re: 401k has high fees

Do you have access to a self-directed brokerage account?

Sometimes, it may be best to hold your nose, take the tax break/match, and invest in the least worst fund.
by jhwkr542
Tue Oct 30, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: First Major Medical Expenses under HDHP
Replies: 31
Views: 3341

Re: First Major Medical Expenses under HDHP

Look at it this way, use your emergency fund dollars and keep the receipt, if a real emergency comes up, you still have the option to use the HSA dollars at any time in the future. It doesn't work the other way around. +1. Just build the EF back up over time. You can withdraw from the HSA at anytim...
by jhwkr542
Tue Oct 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 10316

Re: Girlfriend's Student Loans

She absolute needs to consider loan forgiveness. Do her loans qualify? If not, try to consolidate. Does she work for a non-profit 501(c)3? Chances are pretty good if she's a teacher. Has she been making income-based repayments (IBR, PAYE, RePAYE)? If so, then certify them. I'm of the mindset that th...
by jhwkr542
Tue Oct 23, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advise on term vs whole life
Replies: 31
Views: 2588

Re: Advise on term vs whole life

With 173 posts to date, this might be eye-opening for your friend.

https://www.whitecoatinvestor.com/forum ... -the-week/
by jhwkr542
Thu Oct 18, 2018 3:46 pm
Forum: Personal Investments
Topic: What the heck to do with $2M windfall
Replies: 22
Views: 4864

Re: What the heck to do with $2M windfall

A lot of this will depend on the rest of your financial situation, which you haven't provided. Huge credit card debt? Then that's a no-brainer. But I'm going to assume you otherwise have no glaring debts (except maybe a low interest mortgage). How old are you? What's the money for? How much do you n...
by jhwkr542
Tue Oct 16, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 2079

Re: Job Offer – bonus details provided after acceptance

The lack of details of the bonus is a red flag to me. No acceptance (as meaningless as it may be) until they divulge the details. It doesn't mean you have to completely back out. Just keep pressing them and say you won't accept until you know what it'll be.
by jhwkr542
Sat Oct 13, 2018 7:53 am
Forum: Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1969

Re: Home Depot Stock

How much of a tax hit are we talking? Any chance he'll be able to take out without paying capital gains taxes soon?
by jhwkr542
Sat Oct 06, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 1028

Re: pre med then med school factors

I am asking this question to learn about this topic. Is pre med then med school a good option? factors: 4 years of college, 4 of medical school, 3-5 4 of internship/residency, 3-5 1 of fellowship lots of competitive exams (1 highly competitive exam in med school, minimum competency ever since) mild...
by jhwkr542
Mon Oct 01, 2018 11:43 pm
Forum: Personal Investments
Topic: New Dual Physican Couple
Replies: 60
Views: 6408

Re: New Dual Physican Couple

Please, please, please ignore some of the above commenters. Do not forgo tax deferred space to pay down those debts. You refinance those student loans that aren't pslf eligible/weren't paid on during residency to a fixed rate around 4%. You max out your tax deferred space, which includes 403b/401k/4...
by jhwkr542
Mon Oct 01, 2018 11:31 pm
Forum: Personal Investments
Topic: Financial Plan for 25 year old
Replies: 9
Views: 1195

Re: Financial Plan for 25 year old

Yes, you can have 403b, cbp, and 457b. Before you start contributing to the 457b, you need to determine if it's a "good" 457b. Is it governmental or non governmental? Governmental is better but non governmental can be good. If non governmental, how stable is the institution? That money would be expo...
by jhwkr542
Mon Oct 01, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cut back on 401k contribution to build HSA?
Replies: 11
Views: 950

Re: Cut back on 401k contribution to build HSA?

Personally, I'd vote for HSA over unmatched 401k contributions. If you keep your receipts, you'll find small one-time medical expenses will start to add up, so you can always withdraw a portion penalty free. In retirement, you're likely to use that on qualified medical expenses at some point.
by jhwkr542
Wed Sep 26, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4522

Re: Which type of Primary Care Physician?

As a fellow MD, I think either will be fine as a primary care physician. You'll want to find the physician you trust and get along with best, regardless of board certification. There will be good internists and bad internists, and good family docs and bad family docs. For the typical patient, most a...
by jhwkr542
Sun Sep 23, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 2106

Re: Mom needs hip revision: how can I fight on her behalf?

To me, that doesn't sound like getting blown off. If anything, it may be more of a standard letter to say it could be a while. Mayo wouldn't just dismiss her like that. I'd recommend two possibilities: either call Mayo and try to get a better timeline or see if your original surgeon can make a refer...
by jhwkr542
Mon Aug 20, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1814

Re: Car alarm '98 Camry ?

Not sure if this is related at all but I had a similar alarm in a 1999 Nissan Altima. But my alarm would randomly sound for no reason when I had locked it with the key fob. It wouldn't sound if I didn't lock it. The issue was a fuse that had gone bad I believe. Instead of fixing it, I just had it un...
by jhwkr542
Fri Aug 10, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 44
Views: 7086

Re: Should I accept a large cash gift from my mother?

If the choices are you invest it or she invest it, there are more advantages to her investing it.
by jhwkr542
Thu Aug 02, 2018 10:16 pm
Forum: Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 7715

Re: Time to invest in Fidelity's new zero fee funds?

My biggest concern with these funds is that Fidelity may decide to raise costs in the future, so if you have gains already, you're either paying taxes on the gains to get your money out or you're paying more in fees to Fidelity. Since vanguard investors are its owners, they have an incentive to keep...
by jhwkr542
Fri Jun 08, 2018 3:57 pm
Forum: Personal Investments
Topic: 401k plan: adding after tax contributions for Mega-backdoor Roth
Replies: 6
Views: 560

Re: 401k plan: adding after tax contributions for Mega-backdoor Roth

We are currently looking into our plan design in a single physician specialty group with about 20 docs and 100 employees. We discussed this topic but feel that compliance testing would be an issue. We currently have a safe harbor 401k with profit sharing. We are getting an analysis for a cash balanc...
by jhwkr542
Sun Jun 03, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Switch between physicians in the same practice?
Replies: 40
Views: 3674

Re: Switch between physicians in the same practice?

I agree, ignore online reviews. Also, could you clarify the reason you ended up seeing Dr. Substitute? Who is doing your surgery? If it's routine for that specialty, there's usually not a huge difference in outcomes between two surgeons. Younger physicians, while being less experienced, also tend to...
by jhwkr542
Thu May 31, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5975

Re: Splurging on the NBA finals

Not to rain on your parade, or be partisan, but I don't think the series is going to be very competitive. Probably 5 games, maybe a sweep. Plus, I find I can see a game WAY better on TV (with the commentary, closeups, replays). Probably all the more reason to go to game 1! Spend money on experience...
by jhwkr542
Thu May 31, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Does my business quality for the 20% pass through deduction?
Replies: 5
Views: 941

Re: Does my business quality for the 20% pass through deduction?

It all depends. You're in a specified service business, so you're subject to phase-out at higher limits ($157.5k taxable income for single, $315k for married). Here's a good link:

https://www.kitces.com/blog/pass-throug ... bi-limits/
by jhwkr542
Wed May 30, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401k (3)21 Plan Advisor [Searching for fiduciary plan advisor]
Replies: 4
Views: 473

Re: 401k (3)21 Plan Advisor [Searching for fiduciary plan advisor]

Of our 100+ employees/owners, there are 0 people using the SDBA option. YMMV
by jhwkr542
Wed May 30, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 6386

Re: Fitting three young kids in the car...

We have a 4 yo, 3 yo, and 18 mos. little girls. We fit them all in the back of our Toyota Highlander and Acura MDX. 4 yo sits in the middle in a Diono forward-facing seat. Infant and toddler car seats on the outside, rear-facing. The 4 yo either climbs under the rear-facing seats or through the fron...
by jhwkr542
Tue May 29, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: 401k (3)21 Plan Advisor [Searching for fiduciary plan advisor]
Replies: 4
Views: 473

Re: 401k (3)21 Plan Advisor [Searching for fiduciary plan advisor]

I'm in a very similar situation and am currently working with a 3(21) to redo our 401k and its fund lineup, and they are also pro-active management. Since he is not 3(38), we have final say on the choice of funds, and I will not allow active funds in our 401k. The others on the finance committee wit...
by jhwkr542
Sun May 06, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 8042

Re: Comparing 2 physician jobs

Go with where you'd prefer to live and work and ignore the money. You'll be good financially in either place. There's no way your SO could work two hours away, so would they be ok not working? To me, I'd vote CA based on what you provided. Having a lot of money in a small town doesn't appeal to me u...
by jhwkr542
Sun Oct 22, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 9423

Re: Paying for medical school for son?

Lots of misinformation that I'd like to add clear up (coming from a recent grad whose peds wife is pursuing PSLF about to finish year 6). Here are the general terms of the program: 1. You have to make 10 years' qualified payments. What makes a payment 'qualified'? 2a. The 10 years have to be spent w...
by jhwkr542
Thu Oct 12, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 6398

Re: SUV options with 3 little kids

Both Acura MDX and Toyota Highlander work for us. We put all the kids in the 2nd row, ages 4, 2, 10 mos. 4 and 2 year old seats are fixed. We load the 10 mo old already strapped in her car seat. 4 year old climbs in the middle seat and faces forward. The other 2 are rear facing on the sides. It work...
by jhwkr542
Mon Jan 09, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 25286

Re: Best Financial Moves You've Made

Probably best to divide this into two categories: maximizing earnings and minimizing spending/maxing savings (offense and defense, if you will). First category: 1. Going to medical school and picking a good paying field 2. Landing a good job in said field Second category: 1. Finding WCI and boglehea...