Search found 4160 matches

by neurosphere
Thu Jun 17, 2021 7:01 am
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

There is some confusion upthread regarding the lockup period, if any. All the documentation I have seen (primary the FAQ linked through my personal email) says there is no lockup period. I am waiting for the prelim prospectus to be loaded into the website portal to confirm; if I get impatient I wil...
by neurosphere
Wed Jun 16, 2021 6:30 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

So when will you sell if you participate? This thread is making me want to participate at least to some degree whereas before I would have avoided as it is an individual stock and I otherwise hold none. Still not sure what I’ll do. I do enjoy the Doximity Dialer and hipaa compliant fax (the latter ...
by neurosphere
Wed Jun 16, 2021 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dad wants Wife to live in house left to me and sister after he passes
Replies: 78
Views: 8664

Re: Dad wants Wife to live in house left to me and sister after he passes

Here's an actual example of a will... Is it even possible for a will to grant one party the right to live in a property, and legal title to the property to another party? Along with the terms of who pays for a new roof, etc? I thought this required a trust. Sorry, what I posted was relevant portion...
by neurosphere
Wed Jun 16, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dad wants Wife to live in house left to me and sister after he passes
Replies: 78
Views: 8664

Re: Dad wants Wife to live in house left to me and sister after he passes

Here's an actual example of a will with a similar situation. It doesn't have the "and in no way can her good for nothing son ever live in the house!" clause, but stipulates she has to live alone except if she needs full-time live-in care. If son is living in the house ALSO at that time, I ...
by neurosphere
Wed Jun 16, 2021 7:13 am
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

You should also make sure there is no lock up or hold period. Sometime DSPs will have a 90 or 180 day lockup for participants and then you’re stuck in it. The prospectus says there is no lockup period for shares being offered in this manner: FAQ I see the following in your link “ Any shares acquire...
by neurosphere
Tue Jun 15, 2021 8:16 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

You should also make sure there is no lock up or hold period. Sometime DSPs will have a 90 or 180 day lockup for participants and then you’re stuck in it. The prospectus says there is no lockup period for shares being offered in this manner: FAQ I see the following in your link “ Any shares acquire...
by neurosphere
Tue Jun 15, 2021 4:34 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

You should also make sure there is no lock up or hold period. Sometime DSPs will have a 90 or 180 day lockup for participants and then you’re stuck in it. The prospectus says there is no lockup period for shares being offered in this manner: FAQ Are you going to participate? I am thinking of buying...
by neurosphere
Tue Jun 15, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Loans for Medical school
Replies: 22
Views: 2045

Re: Loans for Medical school

Now, let s look at the math of earnings and medical school costs. The PhD commonly takes 4 years, if a student pushes it. The first 4 years of a doctor s practice, he/she commonly earns at least 200,000 a year, average annual compensation. So a relatively low earner will give up 800,000 dollars in ...
by neurosphere
Tue Jun 15, 2021 12:46 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

Dmslax45 wrote: Mon Jun 07, 2021 10:02 pm You should also make sure there is no lock up or hold period. Sometime DSPs will have a 90 or 180 day lockup for participants and then you’re stuck in it.
The prospectus says there is no lockup period for shares being offered in this manner:

FAQ
by neurosphere
Tue Jun 15, 2021 12:39 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

I registered through doximity and just got an email from fidelity. How will it work after I register through fidelity? Will they allocate a certain number of shares which I am obligated to pay or do I get to choose how many shares I get at the IPO price? They will provide instructions via email to ...
by neurosphere
Tue Jun 15, 2021 12:19 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth with a catch
Replies: 19
Views: 1358

Re: Mega Backdoor Roth with a catch

[NOTE: I only spent a minute skimming this thread, so apologies if this statement/question is ignorant of already posted facts.] What do you mean by the "taxable amount" was $500. Did you receive a 1099-R for this transaction? Did you get some other statement? Who/how determined the taxabl...
by neurosphere
Mon Jun 14, 2021 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I look for a new job or call it done?
Replies: 56
Views: 7175

Re: Should I look for a new job or call it done?

yes, 2% including everything. Mwahahahaha... You can not only quit forever at this very moment, you can tell them how much you hate your job and everything that sucks about it in extreme excruciating detail. You can call out everyone you've ever wanted to call out. Burn those bridges. Burn them to ...
by neurosphere
Mon Jun 14, 2021 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Loans for Medical school
Replies: 22
Views: 2045

Re: Loans for Medical school

Borrowing for college = not good, period. Borrowing for medical school seems even worse. If one does not pass their boards, etc. then it's even even larger debt load and a bigger gamble. Have your child look at MD/PhD programs which can use "OPM" to pay their way through the program. More...
by neurosphere
Mon Jun 14, 2021 11:51 am
Forum: Personal Investments
Topic: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand
Replies: 22
Views: 1501

Re: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand

A different point of view is that return from TLH is highly risky in the sense that the result is highly variable depending on market and individual circumstances. The costs to the account are risk free in the sense of being certain and constant. To pay a risk free penalty for a risky benefit the b...
by neurosphere
Mon Jun 14, 2021 11:50 am
Forum: Personal Investments
Topic: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand
Replies: 22
Views: 1501

Re: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand

One has to make a lot of assumptions to quantify the benefits of TLH. One would have to look at all the underlying assumptions made by the advisor in order to determine whether they are reasonable. I suspect the assumptions are cherry picked to provide the maximum TLH benefit. But I do feel that the...
by neurosphere
Mon Jun 14, 2021 11:28 am
Forum: Personal Investments
Topic: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand
Replies: 22
Views: 1501

Re: "Tax Loss Harvesting" in a Financial Advisor pitch: help me understand

After reading https://www.bogleheads.org/wiki/Tax_loss_harvesting I'd like to know "in practice, how much does TLH tend to improve returns ?" That's the wrong question. The question is, suppose there is indeed a benefit to TLH...is this something I can do myself or should I pay someone el...
by neurosphere
Fri Jun 11, 2021 4:57 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

FYI: I'm a physician who is registered with Doximity. I initially registered so I can use their Dialer so my personal cell number is not revealed to my patients when I call them; they get my office number. I've used the dialer may five times in the last five years. I've logged onto their social med...
by neurosphere
Fri Jun 11, 2021 4:37 pm
Forum: Personal Investments
Topic: Backdoor Roth confused and frustrated
Replies: 18
Views: 1598

Re: Backdoor Roth confused and frustrated

When recommending this process to people I usually say "you should put money into a Roth IRA via an indirect or 2-step method which is colloquially referred to by many as the "backdoor" method of funding a Roth IRA". It's a mouthful but it doesn't leave much room for confusion. :D
by neurosphere
Fri Jun 11, 2021 1:30 pm
Forum: Investing - Theory, News & General
Topic: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?
Replies: 61
Views: 8309

Re: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?

I started out with 50% of bonds in TIPS 20 years ago, likely as a consequence of when I started investing and the conventional wisdom at that time. Despite all the talk of TIPS not being that great (anymore?) during accumulation I held onto that allocation, thinking it had been 15+ years so just sti...
by neurosphere
Fri Jun 11, 2021 12:13 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

I've followed doximity for years (wife is also MD) - they've pivoted away from their original concept of MD social network, and I think they're making more money in the telemedicine services platform (software that enables tele visits) . Yes, my snide post notwithstanding, Doximity is doing more te...
by neurosphere
Fri Jun 11, 2021 12:10 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

Ok, literally as an educational experience, I just pre-registered for the option buy $5000 in shares. They are going to let me know later if I registered in time, relative to others, to participate. Good for you. Everyone should take a flyer at least once in their lives. From reading the thread it ...
by neurosphere
Thu Jun 10, 2021 8:53 pm
Forum: Investing - Theory, News & General
Topic: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?
Replies: 61
Views: 8309

Re: Bogleheads’ Guide To Investing - Sample Portfolios

How hard is it to say "All Treasury issues, except I Bonds, currently have negative real rates"? It’s not a question of being “hard”. It’s a question of understanding that words mean what people accept them to mean, and people accept the word “Treasuries” to refer specifically to marketab...
by neurosphere
Thu Jun 10, 2021 8:48 pm
Forum: Investing - Theory, News & General
Topic: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?
Replies: 61
Views: 8309

Re: Bogleheads’ Guide To Investing - Sample Portfolios

I'm just being factual on a forum that prides itself on providing correct information . The statements that were made were factually incorrect and needed clarification. "Silly" is providing incorrect information if you know better. Nothing silly about saying that all Treasuries except I B...
by neurosphere
Thu Jun 10, 2021 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k Name Error/Business name error
Replies: 2
Views: 293

Re: Solo 401k Name Error/Business name error

Nothing prevents Steve's Books and Gifts from opening another location selling goldfish and lumber under the same name. The name of the business doesn't need to be what you are actually getting paid for. Certain states require you to prove you are licenced if you use a word like "MD" in th...
by neurosphere
Wed Jun 09, 2021 10:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard updates individual 401k plan documents
Replies: 11
Views: 937

Re: Vanguard updates individual 401k plan documents

I received the updated plan documents in the mail. However, I terminated my plan on June 30 2020 (before this plan restatement cycle even began) and filed Form 5500 a few months later. The balance was rolled over into a Roth IRA. My account still shows up on the Vanguard Small Business website, whi...
by neurosphere
Tue Jun 08, 2021 10:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard updates individual 401k plan documents
Replies: 11
Views: 937

Re: Vanguard updates individual 401k plan documents

A couple people have reported on some of the specifics with respect to plan documents on this thread (towards the bottom): https://www.bogleheads.org/forum/viewtopic.php?t=339757 Overall, I good development and had this feature been available in 2014, my 401k would have been with Vanguard and not Fi...
by neurosphere
Tue Jun 08, 2021 6:41 am
Forum: Personal Investments
Topic: Total bond index is better than MUNI in taxable?
Replies: 7
Views: 1318

Re: Total bond index is better than MUNI in taxable?

CA and NY do not give any tax-exemption for either fund, as those states require a fund to have half its holdings exempt from state tax. This question is probably better left for another thread (and in fact, I'm certain the answer is in other threads, and I'm certain I've asked this question before...
by neurosphere
Mon Jun 07, 2021 8:59 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

tigerdoc93 wrote: Mon Jun 07, 2021 8:55 pm I’m going to participate mostly out of curiosity but also to learn more about the IPO process.
We will learn together! For the record, I'm considering this 100% casino +/- tuition money. :mrgreen:
by neurosphere
Mon Jun 07, 2021 8:57 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

Ok, literally as an educational experience, I just pre-registered for the option buy $5000 in shares. They are going to let me know later if I registered in time, relative to others, to participate.
by neurosphere
Mon Jun 07, 2021 8:50 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

If I were you I would subscribe, with the understanding that you would likely have the opportunity to flip for a profit on the opening day. Thanks for the helpful links! Regarding your comment about flipping for a profit on the opening day...does that mean that, in general, others buying into the I...
by neurosphere
Mon Jun 07, 2021 8:23 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 67
Views: 6702

I'm being "invited" to "pre-register" for an IPO (Doximity)

tl;dr: I'm a part-time physician and a medicine related company (Doximity) is going public. It's like a "facebook" for physicians. I don't necessarily intend to participate, but I'd love some education about this aspect of how companies go public. Now, I received this email recently (boldi...
by neurosphere
Sun Jun 06, 2021 5:49 pm
Forum: Personal Investments
Topic: Total bond index is better than MUNI in taxable?
Replies: 7
Views: 1318

Re: Total bond index is better than MUNI in taxable?

I have 20K to invest in taxable for bond according to my IPS. Since I may need it in 6 years, I do not want to follow the approach discussed in https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account Previous I typically bought "Vanguard Intermediate-Term Tax-Exempt Fund...
by neurosphere
Sat Jun 05, 2021 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage: All-In-One Checking Account Return?
Replies: 71
Views: 6237

Re: VanguardAdvantage: All-In-One Checking Account Return?

I have to stay with Vanguard in some form because I can't find better state-specific municipal bond mutual funds anywhere else. Also, back when money market funds paid interest (many many centuries ago), no one paid more than Vanguard, especially for state-specific money market funds. So regardless,...
by neurosphere
Fri Jun 04, 2021 11:56 am
Forum: Personal Investments
Topic: Where should we hold Long Term Treasuries? (EDV)
Replies: 8
Views: 839

Re: Where should we hold Long Term Treasuries? (EDV)

I hold EDV in tax-protected space because it distributes short-term and long-term capital gains: https://investor.vanguard.com/etf/profile/distributions/edv I hold it in taxable because I'm predicting that over my long-term investing horizon rates will rise and TLH will more than offset those distr...
by neurosphere
Wed Jun 02, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disadvantages of Limited Partner in LLC
Replies: 9
Views: 975

Re: Disadvantages of Limited Partner in LLC

Some LLCs have a "tax distribution" clause, that requires the LLC to distribute at least enough cash to each member to cover that member's tax liability. There are both upsides and downsides to such a clause. I'm a limited partner in an LLC which has a distribution clause. However, the ge...
by neurosphere
Wed Jun 02, 2021 11:23 am
Forum: Personal Consumer Issues
Topic: Google voice is dropping calls. Anyone else?
Replies: 13
Views: 1659

Re: Google voice is dropping calls. Anyone else?

Old thread, but my google search on the same problem led me here. Have been using Google Voice for what seems like a decade. At home, on my samsung galaxy 8+, calling over google voice using wifi, I'm getting regular drops and also what people tell me is a "sine wave" in-and-out of my voic...
by neurosphere
Tue Jun 01, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Home WiFi options for non-tech elderly parents living overseas in big home?
Replies: 36
Views: 2525

Re: Home WiFi options for non-tech elderly parents living overseas in big home?

small update. My brother managed to help my parents get wifi from the downstairs corner dsl router to the upstairs. Turns out he had previously purchased a unidirectional antenna and he attached to a conventional wifi router upstairs placed it flat on the floor under the upstairs bed pointing down. ...
by neurosphere
Mon May 31, 2021 8:53 am
Forum: US Chapters
Topic: Where is dm200?
Replies: 15
Views: 2962

Re: Where is dm200?

Is it possible that someone has a life outside this forum? Perhaps a relaxing vacation away from everything? :shock: I understand the individual words you are using, but can't comprehend the order in which you placed them. "Life outside this forum"?!? :confused :D It is unusual though for...
by neurosphere
Mon May 31, 2021 8:23 am
Forum: US Chapters
Topic: Where is dm200?
Replies: 15
Views: 2962

Re: Where is dm200?

still nothing... :(
by neurosphere
Sun May 30, 2021 8:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA money, use it or save it for later
Replies: 94
Views: 8632

Re: HSA money, use it or save it for later

I had been filing receipts and waiting until I helped my wife handle a couple of estates (family members). Seeing the amount of paperwork to deal with I decided to not leave this administrative burden for her to deal with if I croaked or became incapacitated. I blew out the backlog of claims and th...
by neurosphere
Fri May 28, 2021 3:23 pm
Forum: Personal Investments
Topic: Solo 401k vs. regular 401k (1099 + w2 employee).
Replies: 6
Views: 463

Re: Solo 401k vs. regular 401k (1099 + w2 employee).

Why not just immediately rollover to a rollover IRA and essentially pay zero fees, and THEN decide to either roll into your existing employer or into a new solo 401k? Just keep the rollover IRA until you have a very good reason to get rid of it (backdoor Roth). Yes, there is some risk you one day ma...
by neurosphere
Fri May 28, 2021 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitting and ROTH IRA contributions
Replies: 19
Views: 895

Re: Babysitting and ROTH IRA contributions

You meant 1099 form? it could be w-2 as well, but I concur and would file a 1040 federal tax return as the $300 would be below the tax threshold. Here is a free 1040 Excel shareware, from Glenn Reeves you could use to file https://sites.google.com/view/incometaxspreadsheet/home/download babysitting...
by neurosphere
Fri May 28, 2021 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitting and ROTH IRA contributions
Replies: 19
Views: 895

Re: Babysitting and ROTH IRA contributions

I haven't had to look this up to confirm, but my understanding is that if she earns $500 in profits (or whatever) in her job she can contribute that full amount to an IRA. I think its limited to net profit after adjustment for 1/2 of any SE tax. ah, yes, that's probably correct. That's clearly what...
by neurosphere
Fri May 28, 2021 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitting and ROTH IRA contributions
Replies: 19
Views: 895

Re: Babysitting and ROTH IRA contributions

What Soon2BXProgrammer is pointing out is two things: 1) Babysitters are household employees and payments are reported on a W2, not a 1099 2) The W2 threshold for household employees is higher than 1099 contractors 3) There is no 3, but I have a question I'm about to look up, which is where/how does...
by neurosphere
Fri May 28, 2021 11:58 am
Forum: Investing - Theory, News & General
Topic: Today I learned why VOO has that ticker
Replies: 28
Views: 3792

Re: Today I learned why VOO has that ticker

Please tell us about VIOV :-) lol. SP600 (i.e. small cap) Value VI=6 add an "OO" for "600" add V for value to get VIOOV, but "00ps"! Can't have 5 characters so delete one of them to get VIOV So V is both a roman numeral and a letter at the same time in this one. Not su...
by neurosphere
Fri May 28, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Babysitting and ROTH IRA contributions
Replies: 19
Views: 895

Re: Babysitting and ROTH IRA contributions

First off, one must have compensation in order to contribute to an IRA, and have at least as much compensation as the contribution. If she never reports the compensation, the IRS will consider her ineligible for the contribution. [Although, I see RickBoglehead posted just before me so perhaps she do...
by neurosphere
Wed May 26, 2021 6:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard votes on Exxon board members
Replies: 104
Views: 5279

Re: Vanguard votes on Exxon board members

I heartily second tcw's point: "it turns out that investing in a fossil fuel company may actually be more effective in achieving environmental goals." Exactly! Shunning stocks that one considers bad actors, at equilibrium, simply lowers their prices, increasing returns to those who are wi...
by neurosphere
Wed May 26, 2021 6:33 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 293
Views: 44833

Re: 2021 I Bonds: what's your plan?

Bama12 wrote: Wed May 26, 2021 5:54 pm No Plans...

I don't want another account.
But, I would love another $10,000 in I-bonds! :wink:
by neurosphere
Wed May 26, 2021 6:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard votes on Exxon board members
Replies: 104
Views: 5279

Re: Vanguard votes on Exxon board members

Votes on my behalf as a shareholder should focus 100% on increasing the share value. I am perfectly fine having Fidelity or Vanguard do this for me as long as that’s the stated goal. Wells fargo has indexed funds. WF is a for-profit company with their own shareholders. Should they vote their shares...
by neurosphere
Wed May 26, 2021 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard votes on Exxon board members
Replies: 104
Views: 5279

Re: Vanguard votes on Exxon board members

One could argue that a company's leadership has a huge incentive to maximize short term profits. For example, an individual in leadership might be 70 and planning to retire. Or 50, and planning to quit. One could argue that pension funds have a longer term view. Or perhaps those invested in a Target...