Search found 1800 matches

by DrGoogle2017
Sat Jan 19, 2019 1:41 am
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

I think that might be a problem for some of my nephews and nieces. All biology major. But my friend’s kid was major in Math.
So avoid that major if you can.
by DrGoogle2017
Fri Jan 18, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

I grew up in a house that’s built in the late 50s, a bit smaller than 1500 sqft, I don’t want to live in the kind of house. My husband has friends in both Palo Alto and Menlo Park, their properties didn’t go up that much more than ours, maybe the Palo Alto went up a bit more but it’s bigger than 17...
by DrGoogle2017
Fri Jan 18, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

I just looked at Redfin, there’s tons of condo or house South San Jose for $800K or less. It’s not cheap.
by DrGoogle2017
Fri Jan 18, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 105
Views: 9182

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I was tempted to rent a yurt at Yosemite recently, but the cost was not cheap and I was think it needs to be closed to a place so I can get breakfast easily and it wasn’t, so scratch that idea. I don't think any of this is AirBnb's fault. I didn’t say it was. I thought it’s a yurt, should be cheap ...
by DrGoogle2017
Fri Jan 18, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

I grew up in a house that’s built in the late 50s, a bit smaller than 1500 sqft, I don’t want to live in the kind of house. My husband has friends in both Palo Alto and Menlo Park, their properties didn’t go up that much more than ours, maybe the Palo Alto went up a bit more but it’s bigger than 170...
by DrGoogle2017
Fri Jan 18, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 105
Views: 9182

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I was tempted to rent a yurt at Yosemite recently, but the cost was not cheap and I was think it needs to be closed to a place so I can get breakfast easily and it wasn’t, so scratch that idea. I don't think any of this is AirBnb's fault. I didn’t say it was. I thought it’s a yurt, should be cheap ...
by DrGoogle2017
Fri Jan 18, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1783

Re: Importance of college summer internships??

furnace wrote:
Fri Jan 18, 2019 10:22 pm
Summer internships? Only if they are paid and interesting. Otherwise a job as a supermarket cashier is just fine.
Exactly, too many scams with unpaid internships.
by DrGoogle2017
Fri Jan 18, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1783

Re: Importance of college summer internships??

I wouldn’t do anything non-paid internships, my oldest child did that for a few terms, in the end the jobs she worked on campus was better lead to her real job. She did call those old supervisors and they were of no help. She had some real meanful internships. So my advice is if it’s meaningful, the...
by DrGoogle2017
Fri Jan 18, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 105
Views: 9182

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I was tempted to rent a yurt at Yosemite recently, but the cost was not cheap and I was thinking it needs to be closed to a place so I can get breakfast easily and it wasn’t, so scratch that idea.
by DrGoogle2017
Fri Jan 18, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medical cost, but despite having high MCAT and high GPA from UCLA, they were offered expensive choices like WashU, well known medical school but private and expensive school. They be...
by DrGoogle2017
Fri Jan 18, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 105
Views: 9182

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I don’t book on Airbnb even for one week stay, I prefer hotels. Plus some of the Airbnbs have very strict cancellation policy, I always prefer to book my hotels with options to cancel. So you never use Airbnb? Or you use it only for long stays? I prefer Airbnb to hotels, but it becomes a good deal ...
by DrGoogle2017
Fri Jan 18, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

I could buy in Palo Alto when I was there, the problem was you have to live in a delapidated 35-year old home, 1700 sqft, 3 bedroom. My ex-coworker bought there, but I refused to live in such condition. I rather put up with a little bit more commute. Plus I had jobs all over the Bay Area, there isn...
by DrGoogle2017
Fri Jan 18, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

Where you do your residency is far more important than where you go to medical school, so don't take out half a million dollars in student loans. Wiser advice you'll never get. Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medic...
by DrGoogle2017
Fri Jan 18, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

Where you do your residency is far more important than where you go to medical school, so don't take out half a million dollars in student loans. Wiser advice you'll never get. Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medic...
by DrGoogle2017
Fri Jan 18, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

Where you do your residency is far more important than where you go to medical school, so don't take out half a million dollars in student loans. Wiser advice you'll never get. Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medic...
by DrGoogle2017
Fri Jan 18, 2019 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: overcontributed 401k
Replies: 14
Views: 734

Re: overcontributed 401k

Bighead100, The very fact that your employer didn’t automatically stop your excess 401k deferrals, and put them in the After Tax bucket, tells us that your plan allows for situations where after tax contributions are permitted in your plan. Given that, any HR software worth its salt must be anticip...
by DrGoogle2017
Fri Jan 18, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2009

Re: Curry Powder?

I just made some curry powder, so pungent and strong, they are old spices so I just threw in lots of them without measurement. My husband said it’s the best lamb currry he had. I just try to get rid of my spices. Haha, that’s the secret.
by DrGoogle2017
Fri Jan 18, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

People need to worry when doctors can't even afford to be nearby.Docs who finish training in their early thirties, with $200-300k student loan debt, no savings, and now a salary of say 250-350K at Kaiser or PA Med Foundation may find that they are in the same boat-living in a tiny condo, providing ...
by DrGoogle2017
Fri Jan 18, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

No one is suggesting that she wait years for a price drop. Most are suggesting that the OP wait until the rest of her life is settled before putting so many eggs in the homeownership basket. Houses here are ridiculously expensive and the "Bay Area" is a massive place from a professional standpoint....
by DrGoogle2017
Fri Jan 18, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11090

Re: Have I Now Become Out of Touch Financially? Aging question...

What? Who has that? To be a BH means to be smart about time. The only reason to gather money is to buy time. Why would somebody waste precious time and life with such a menial and useless task? It is very nonBH. My sister used to date a guy that kept track of gas prices, he’s an accountant. Perhaps...
by DrGoogle2017
Fri Jan 18, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 105
Views: 9182

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I don’t book on Airbnb even for one week stay, I prefer hotels. Plus some of the Airbnbs have very strict cancellation policy, I always prefer to book my hotels with options to cancel.
by DrGoogle2017
Fri Jan 18, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11090

Re: Have I Now Become Out of Touch Financially? Aging question...

I have recently come to learn that my soon to be ex-brother-in-law (he is divorcing my sister-in-law), who has been earning $400K-$500K per year since before the start of this decade, has been living paycheck to paycheck. Worse than that, they were actually living in credit card debt all year, payi...
by DrGoogle2017
Fri Jan 18, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Child Turning 18 in a few weeks
Replies: 17
Views: 1212

Re: Child Turning 18 in a few weeks

I didn’t sign any form to access my kids grade either, my kids sent them to me so we can get discount on car insurance. Plus they told me when I asked.
by DrGoogle2017
Fri Jan 18, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11090

Re: Have I Now Become Out of Touch Financially? Aging question...

Crazy things people say online. My ex-coworker just bought a third house in Santa Barbara after she retired and is busy remodeling it, that despite all these I uninhabitable nonsense.
by DrGoogle2017
Fri Jan 18, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Child Turning 18 in a few weeks
Replies: 17
Views: 1212

Re: Child Turning 18 in a few weeks

We did nothing for normal kids. But I don’t think 18 is the age to celebrate yet. Some kids take a while to mature. We see signs that the 23 is maturing faster than last year. But she’s not where her sister is at 28 yet. My kid, the last one, decided what vaccines she should have earlier than 18. I ...
by DrGoogle2017
Fri Jan 18, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 2888

Re: How do you keep a calendar?

I’m in the camp what’s a calendar.
by DrGoogle2017
Fri Jan 18, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399962

Re: What are you up YTD? [Year To Date]

Up about 5%, I’m afraid of Feb too.
by DrGoogle2017
Fri Jan 18, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

Actually prices in NYC is even worse, and it doesn’t have the nice weather either. That argument doesn’t seem to hold. The expensive areas stay expensive for a reason.
by DrGoogle2017
Fri Jan 18, 2019 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 59
Views: 4107

Re: Should I increase my stock allocation to 90% stocks?

You can actually reduce your lifetime portfolio risk by increasing your stock allocation now (to 100%) and decreasing it in your 50s and 60s. Ben Mathew, Come on. OP is 30 years old with 280K. She is saving 140K per year. Her annual expense is 26K. So, why would she work until the 50s and 60s? Age ...
by DrGoogle2017
Fri Jan 18, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6770

Re: Should I buy a house in the Bay area or give up?

You only worked for two years, why are you in a hurry? Give up about what? You can wait a few more years and then decide.
by DrGoogle2017
Thu Jan 17, 2019 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 59
Views: 4107

Re: Should I increase my stock allocation to 90% stocks?

I thought her savings was kind of light for somebody who is 30. Different lens perhaps because my 20 something already has 6-figure saving, after only one year of working.
by DrGoogle2017
Thu Jan 17, 2019 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 59
Views: 4107

Re: Should I increase my stock allocation to 90% stocks?

I would do 100% stocks at your age, but also increase your emergency fund. The same advice I give my kids. I told them recession is coming so make sure they have a larger than normal emergency fund. One did increase her EF to six months. One just laid off one her employees in Oct, she said he was no...
by DrGoogle2017
Thu Jan 17, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5881

Re: Furloughed Fed Employee - How to make best use of time

Great idea about driving for Uber, but wonder will the government check. The idea that agencies will perform some sort of post-shutdown "scan and sweep" for things like Uber driving when their employees were locked out and not being paid made me chuckle. Not now, but maybe when they reopen and chec...
by DrGoogle2017
Thu Jan 17, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS to lower 2018 safe harbor withholding threshold to 85% [2018 only]
Replies: 22
Views: 2655

Re: IRS waiving under-withholding penalty for more people in 2018

Darn it, this is the year that I overpaid my tax by a large amount.
by DrGoogle2017
Thu Jan 17, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11090

Re: Have I Now Become Out of Touch Financially? Aging question...

My neighborhood has a lot of flashy cars, mostly rich Chinese kids who parents stole money from somebody in China. Opentop Rolls Royce, Ferrari, and Lamborghini are very common sighting. I’m never impressed with them, you can tell they don’t know how to drive those cars. But even living in VHCOL, I ...
by DrGoogle2017
Thu Jan 17, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 78
Views: 8996

Re: Who's flying?

We flew out of Maui yesterday, no problem. We even got there later than the normal 2 hours before boarding time.
by DrGoogle2017
Thu Jan 17, 2019 3:24 am
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 87
Views: 2936

Re: Are mega back door Roth contributions considered contributions?

From my experience, the after tax money that was contributed to my 401k was returned to me, but the earnings of that money was still part of the taxable 401k. So they didn’t release any earnings when I transferred my money from my 401k to Rollover IRA. I received no additional paper regarding it, th...
by DrGoogle2017
Thu Jan 17, 2019 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Using Medicare while having employer insurance
Replies: 4
Views: 449

Re: Using Medicare while having employer insurance

You don’t have to go on Medicare if you’re still employed. However, I did know somebody at work who signed up for Medicare Part A while he was still employed. I think the person from Medicare is wrong, they often do, same as the people who work at SS. Here is what I’ve found. https://www.medicare.go...
by DrGoogle2017
Thu Jan 17, 2019 3:05 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 30
Views: 2566

Re: Hawaii vacation, any recommendations?

Just got back from a wonderful 7 days in Maui, there are a lot more golf courses in Maui. If you like golfing, I would pick Maui. Plus whales watching here in Maui is just spectacular in Jan/Feb. But 7 days is all I want, I start to miss home cooked meals after that.
by DrGoogle2017
Thu Jan 17, 2019 3:03 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43639

Re: John Bogle has died at age 89

Very sad news indeed. Just found this out since I’ve been traveling all day.
by DrGoogle2017
Wed Jan 16, 2019 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: 37% marginal tax rate --> does Roth 401k make sense?
Replies: 33
Views: 2176

Re: 37% marginal tax rate --> does Roth 401k make sense?

Please be aware that Roth 401k and Roth IRA are not bound to the exact same rule. Read up on it is my suggestion.
by DrGoogle2017
Wed Jan 16, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: TIRA Roth Conversion and Backdoor Roth IRA in the same year possible?
Replies: 31
Views: 1195

Re: Mega Roth Conversion and Backdoor Roth IRA in the same year possible?

Take a look at form 8606, see if there’s date for conversion. If not it’s best to wait until the following year. You can contribute for 2019 in 2020 for Roth IRA.
by DrGoogle2017
Wed Jan 16, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 30
Views: 2566

Re: Hawaii vacation, any recommendations?

I found more high end restaurants in Maui, the food is better than Waikiki. Some Islands you can get rainy weather for days. Not my way to spend my vacation. We were in Poipu in late April and early May time frame, it was rainy and depressing.
by DrGoogle2017
Wed Jan 16, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3101

Re: Any admission pointers from pre- med/ med students?

I have 3 nephews and nieces who are/were med students. I notice the same thing with other friend’s kids. High GPA and high MCAT are no longer the only criteria. So you may want to expand in other areas to strengthen your application. Two kids we know who graduated from UCLA with 3.90 and above didn’...
by DrGoogle2017
Wed Jan 16, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2353

Re: Swimming, do you? Advice sought.

I swim regularly, nobody taught me how to swim, so I don’t have great techniques either, but I did check out a book on swimming and has been floating for years. It’s such a boring exercise that while swimming, I can go through a mental list of what I should do for the day.
by DrGoogle2017
Wed Jan 16, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 87
Views: 2936

Re: Are mega back door Roth contributions considered contributions?

OP here. Thank you all for the discussion. I think I have a handle on it. Key Takeaway (and what they didn't tell me ~20 years ago when first opened my Roth IRA): Maintain detailed records of all your Roth IRA contributions and conversions. They may come in very handy if you decide to retire early ...
by DrGoogle2017
Wed Jan 16, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Are mega back door Roth contributions considered contributions?
Replies: 87
Views: 2936

Re: Are mega back door Roth contributions considered contributions?

Celia, thank you for bringing in the correct terminology to this discussion. :happy I think what investor997 is missing is that each "conversion contribution" or "rollover contribution" can have both a taxable and a non-taxable component. These are treated differently when it comes to the 5 tax yea...
by DrGoogle2017
Wed Jan 16, 2019 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1321

Re: IRMAA/Beginning SS

I’m having one heck of a time with my IRMAA “Life Changing Event” appeal. Filed the paperwork with a local rural SSA office. No decision received in 4 months. Visited again, agent could not find where they had received it and commented “We really don’t do many of these, and not sure how to do them....