Search found 29 matches

by diydocwifejd
Tue Dec 01, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: New physician - pay off loans early or buy a house?
Replies: 32
Views: 2957

Re: New physician - pay off loans early or buy a house?

Hi! My husband and I were in your shoes a little over three years ago. He's an academic surgeon subspecialist, and I'm a corporate lawyer. We started out making ~$650k/year and are now at about $800k/year. Based on your income, you can do a combination of things. I would suggest focusing on maxing t...
by diydocwifejd
Tue Nov 24, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 25
Views: 2021

Re: What Outlets in preparation for electric cars?

Random Poster wrote: Tue Nov 24, 2020 5:19 pm
diydocwifejd wrote: Tue Nov 24, 2020 5:03 pm Correct two 220v on each side
Curious why you’d need/want two outlets on each side.

Wouldn’t just one outlet on each side be enough?
I meant one on each side, typo!
by diydocwifejd
Tue Nov 24, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 25
Views: 2021

Re: What Outlets in preparation for electric cars?

Correct two 220v on each side
by diydocwifejd
Wed Nov 18, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: What is a High Earner bracket
Replies: 119
Views: 8488

Re: What is a High Earner bracket

The IRS definition for what constitutes a highly compensated employee (HCE) is $130k or more per year.
by diydocwifejd
Mon Nov 16, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Patio Heaters:
Replies: 19
Views: 1258

Re: Patio Heaters:

We had an electrician install two ceiling mounted 6000 watt, 60" bromic heaters when we moved into our house. The covered patio is about 150 sq ft. It does a good job heating, but only until temperatures get to maybe 45 degrees or so. I think any heater will only get you through fall...
by diydocwifejd
Sat Nov 14, 2020 10:40 am
Forum: Personal Investments
Topic: How to judge the year financially
Replies: 33
Views: 3312

Re: How to judge the year financially

I set financial goals every year. There are always things to clean up/improve/gain efficiencies on. It could also be with respect to gaining new knowledge -- reading books/articles/etc. My problem is that I'm super goal oriented, so it's hard to turn that part of my brain off. For example, this year...
by diydocwifejd
Thu Nov 12, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: FedEx Shipping Issue - Lost or Just Delayed?
Replies: 4
Views: 446

Re: FedEx Shipping Issue - Lost or Just Delayed?

No it was not SmartPost thank goodness. I've had really good experience with FedEx and UPS recently -- this is the first time I've had a severe delay like this, and of course it happens with the most expensive (and unique) thing I've ever had mailed to me.
by diydocwifejd
Thu Nov 12, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: FedEx Shipping Issue - Lost or Just Delayed?
Replies: 4
Views: 446

FedEx Shipping Issue - Lost or Just Delayed?

Has anyone had an issue with a FedEx ground shipment being "stuck" In Transit at a distribution center? Specifically Memphis? I have a very expensive, very large package that was supposed to be delivered to me on Tuesday. It has been sitting in Memphis since 11/7. The estimated delivery da...
by diydocwifejd
Mon Nov 09, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1324
Views: 175092

Re: How much money do you want to retire?

Age 33. Houesehold income in high six figures. $7M by age 55 (will likely hit that number by 50).
by diydocwifejd
Sun Sep 27, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Home Inventory App
Replies: 6
Views: 743

Re: Home Inventory App

The purpose is for insurable items (trying to get my ducks in a row in case of theft, house fire, flooding, etc.) -- which would generally be everything except perishables, sentimental items, and cleaning supplies.
by diydocwifejd
Sun Sep 27, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Home Inventory App
Replies: 6
Views: 743

Home Inventory App

Does anyone have a good home inventory app to recommend? Paid or otherwise? My goal of 2020 is to finalize a home inventory list. My ideal app would be able to have a barcode scanner, easily input information and attach multiple photos, warranty information, receipts, etc. and would be able to expor...
by diydocwifejd
Thu Sep 10, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 5026

Re: How to stop judging how other people spend/invest

I keep my nose out of other's business. If I am asked directly for advise, I stick to describing how I do things and why I do them, I never focus on how THEY do things or comment on THEIR methods. This keeps me from making assumptions on other's situations, while also keeping others from being defe...
by diydocwifejd
Thu Sep 10, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6954

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

My brother in-law is an annuity salesman for a big insurance company but he sells the products to financial advisors. He's making a killing. A huge house, luxury cars and a beautiful neighborhood. I keep my mouth shut even though I despise those products and I know he's a theif. I won't risk a tain...
by diydocwifejd
Thu Sep 10, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6954

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

Now I'm in a quandry -- I'd like to follow up with him to explain what a horrible reputation NWM has and that what he's doing isn't personal finance. Please explain to me about this horrible reputation. I think they usually place at or near the top as far as customer satisfaction is concerned. I sa...
by diydocwifejd
Thu Sep 10, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 5026

Re: How to stop judging how other people spend/invest

I have struggled with this in the past as well, I had a hard time stopping myself from judging others who were making what I considered to be poor financial decisions. At some point I came to the realization that everyone has the right to spend or manage their money as they see fit as much as I do,...
by diydocwifejd
Thu Sep 10, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 5026

Re: How to stop judging how other people spend/invest

I don't know the OP's age, but maybe the OP is not old enough to see that the world is composed of all kinds of people and they are not like me nor you. Sorry, I just judged you. :twisted: Ha I'm 33 :D But I'm starting to realize I have this nasty habit of imposing my world view on others. Just try...
by diydocwifejd
Thu Sep 10, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 5026

Re: How to stop judging how other people spend/invest

Throughout my adult life since marriage we were always pretty frugal. Smaller homes, kept cars forever, no CC debt, maximizing retirement funding, etc. I watched many friends and family spend on big homes, new cars, vacations, etc. I would only provide advice if asked and allow them to make a choic...
by diydocwifejd
Thu Sep 10, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6954

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

I'd like to follow up with him to explain what a horrible reputation NWM has and that what he's doing isn't personal finance. Horrible is news to me. They like to push whole life and annuities, so BHs have no use for them. But I never heard they were any scammier than anyone else in that business. ...
by diydocwifejd
Thu Sep 10, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6954

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

Leave it alone. Hope you don't hear from him again for a long time (if ever.) Just be glad you didn't marry him :D ---- I deal with people selling financial services I don't want by telling them I already have "a guy who handles my money". That "the guy" is a figment of my imagi...
by diydocwifejd
Thu Sep 10, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 5026

How to stop judging how other people spend/invest

All, Now that I've been implementing a Dave Ramsey/BogleHead/Index Only/Cash Only/No Debt lifestyle, I have a hard time with judging how others (family, friends, etc.) spend their money. I know it's not my money/doesn't affect me rationally, but when a friend casually mentions how they are going to ...
by diydocwifejd
Thu Sep 10, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6954

Old friend joined Northwestern Mutual -- how to politely explain they're awful

A friend from high school randomly contacted me out of the blue now that he's "passionate about personal finance" and joined northwestern mutual. I am a true boglehead/Dave Ramsey follower (have been learning about indexing, term life, etc. for about 4 years now), so I knew not to buy anyt...
by diydocwifejd
Fri Jul 31, 2020 10:34 am
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 98
Views: 9009

Re: Poor service at Vanguard making me re-think my decision

I'm very pleased with Fidelity, to the point that I have transferred all my assets there. My Fidelity rep resolves any problems I may have quickly, efficiently, and with no hassle. Five years ago my wife and I formed a Revocable Trust for estate planning purposes. Our lawyer transferred our home in...
by diydocwifejd
Thu Jul 30, 2020 8:41 am
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 98
Views: 9009

Re: Poor service at Vanguard making me re-think my decision

I am with you 100%. Vanguard's "customer service" if you want to call it that, is sub-par for other providers. Customer service only available during business hours M-F (doesn't work when my husband is a surgeon and is generally unavailable business hours). Lots of their documentation has ...
by diydocwifejd
Fri Jul 24, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Screened in porch - Yay or Nay
Replies: 41
Views: 3319

Re: Screened in porch - Yay or Nay

So we live in the deep south (hot, humid, mosquitoes galore) and having a screened porch (or one that could be screened in by us) was an essential when looking for homes. We found a great house and ended up adding Phantom motorized screens. They can go up/down because we didn't want a permanent scre...
by diydocwifejd
Thu Jul 09, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8183
Views: 571477

Re: Refinance Mega Thread

Quick question. My current mortgage includes an escrow. My loan estimate for my refi only includes closing costs of $3700 (which she originally wanted to include in loan balance - I prefer to just pay those cash at closing) and prepaid interest, but not escrow. I've asked the loan officer whether th...
by diydocwifejd
Thu Apr 30, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Oursourcing is amazing
Replies: 1
Views: 715

Oursourcing is amazing

We finished paying off all of our student loans last month. We just have mortgage and PSLF loans (will be forgiven summer 2021). We decided to outsource lawn care & tree trimming, and I've never been happier.
by diydocwifejd
Sun Apr 19, 2020 10:37 pm
Forum: Personal Investments
Topic: Help on Investing In Taxable
Replies: 9
Views: 926

Re: Help on Investing In Taxable

Be sure to convert the balance in His traditional IRA to His Roth IRA before December 31 to avoid pro-rated taxes on his Roth conversion (step 2 of the backdoor Roth). That would avoid pro-rated taxes - but at the expense of making it 100% taxable. You bring up a good point though, so.... diydocwif...
by diydocwifejd
Sun Apr 19, 2020 10:35 pm
Forum: Personal Investments
Topic: Help on Investing In Taxable
Replies: 9
Views: 926

Re: Help on Investing In Taxable

HomeStretch wrote: Sun Apr 19, 2020 10:31 pm OP - is the balance in his traditional IRA from a deductible or nondeductible IRA contribution?
Nondeductible. I think he just rolled over a tiny balance from an old IRA recently. Planning to convert to roth before the end of the calendar year.
by diydocwifejd
Sun Apr 19, 2020 6:18 pm
Forum: Personal Investments
Topic: Help on Investing In Taxable
Replies: 9
Views: 926

Help on Investing In Taxable

Emergency funds: None. But we have $40,000 in a checking account right now earmarked for a replacement vehicle to be purchased this summer. We plan to build up and keep $50,000 (5 months of expenses) in a high yield savings account as an emergency fund. Debt: $305,000 PSLF-eligible US Dept of Educa...