Search found 160 matches

by dwade1109
Sat Aug 17, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Where should we go for a week in November?
Replies: 18
Views: 1469

Re: Where should we go for a week in November?

Thanks everyone for the advice! We are hoping to go somewhere we have not been efore if possible; we have been extremely fortunate to have traveled quite a bit so we have been to hawaii, Peru, and Belize. Panama is a possibility. It seems people are split on whether the flight duration is worth it; ...
by dwade1109
Sat Aug 17, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Where should we go for a week in November?
Replies: 18
Views: 1469

Re: Where should we go for a week in November?

Thanks! The flight to Sydney is 15 hours and the flight to Auckland is 13 hours. They are both red eyes and in the past we have taken advantage of our relative youth to caffeinated and sightsee the first day off the red eye (in Europe for example). Hawaii is a great option that we both loved when we...
by dwade1109
Sat Aug 17, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Where should we go for a week in November?
Replies: 18
Views: 1469

Where should we go for a week in November?

My fiancé and I have one glorious week off at the same time (9 days is the most we can squeeze at this point y with our jobs and long distance). We will be flying from the west coast and can use sapphire points for the flight. Early November would you go to: Auckland, New Zealand Sydney Australia Or...
by dwade1109
Thu Mar 21, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2807

Re: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

Seems like an overwhelming response!

Now have to figure out if we can afford a house ...
by dwade1109
Wed Mar 20, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2807

Re: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

Yes we are physicians and for each of our specialties it’s pretty limited options in San Diego
by dwade1109
Wed Mar 20, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2807

Re: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

Thanks for all the replies. San Diego would be amazing on paper but job market is pretty terrible so we left it off of our list. I did not realize Sarasota traffic was bad. As a young couple in our 30s planning to start a family in the next couple of years this is a big decision! Outside of taxes is...
by dwade1109
Tue Mar 19, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2807

Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

My soon to be fiancée and I are currently in long distance coast to coast. We’ve narrowed done potential long term areas to warm locations and from there narrowed it down further based on our jobs and parents retirement living preferences to the following: Santa Barbara/Ventura Palm Beach County Sar...
by dwade1109
Sun Sep 16, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: First Week of January West Coast Travel Options
Replies: 8
Views: 688

First Week of January West Coast Travel Options

My girlfriend lives on the west coast and I was thinking of surprising her with a trip the first week of January to somewhere a) outside the continental U.S. if possible, b) easily accessible via non-stop flight from LAX, and c) not exorbitantly expensive (ideally flight prices <1k per person). I've...
by dwade1109
Fri Sep 14, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Review
Replies: 15
Views: 1454

Re: Credit Card Review

Thanks to everyone for your thoughts! I do not live near a Costco or drive a ton. I think the Chase Sapphire Reserve Card sounds brilliant and I appreciate the value of keeping a card open now. I am going to cancel Amex, call AAdvantage and see if I can do the step down to a non-annual fee card (I h...
by dwade1109
Thu Sep 13, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Review
Replies: 15
Views: 1454

Credit Card Review

Credit Score: Excellent (~800) Current Credits Cards: Chase Freedom No annual fee 1% cash back purchases, 5% rewards rotate every 3 months Citi Aadvantage Platinum Select $99 annual fee 2 miles for AA, Restaurant, and Gas Station Purchases 1 mile for all other purchases No foreign transaction fee Am...
by dwade1109
Sun Apr 22, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 1379

Re: Renting from potential in-laws?

All great advice thank you all. Matches my gut instincts.

Regarding not buying at all that is choice 3. If they independently decide to buy that’s fine with me, that’s their choice. They own real estate all over the country so I think they just see it as an opportunity/investment.
by dwade1109
Sun Apr 22, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 1379

Renting from potential in-laws?

Quick poll: would anyone ever rent from their in-laws? Summary: currently paying 2k/month rent in a nice area downtown. Girlfriend (going to propose in fall) lives in same building and is moving out to west coast. I will follow in 2 years for job reasons. Her unit was listed for 350k but now the rea...
by dwade1109
Tue Feb 13, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Smartphone or Similar Device Just for Pandora Music?
Replies: 4
Views: 604

Smartphone or Similar Device Just for Pandora Music?

My cousin is autistic and one of the things he greatly enjoys is going for walks or bike rides while listening to streaming pandora music on his iPhone 5 (my old one I donated to him). He has unlimited data through his family plan so that is not an issue. The phone is now dead. He does not really us...
by dwade1109
Mon Jan 01, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5050
Views: 1295956

Re: What Movie Have You Recently Watched?

Saw The Last Jedi, didn’t feel like it matched the hype and it dragged a little bit but the last 30 minutes made up for it in and had decent unexpected twists especially for a Star Wars movie. Saw Gleason last night. What a way to ring in the New Year. For anyone who has not seen it please make the ...
by dwade1109
Wed Nov 08, 2017 5:03 pm
Forum: Personal Investments
Topic: Do I need more diversification?
Replies: 11
Views: 927

Re: Do I need more diversification?

I am not sure how to multi-quote but to address some thoughts and questions above: 1) I would like to have about 100k in my emergency fund, also leaving room to make a down payment on a house in the next 5 years (assuming I get married :shock: ) 2) I will try and increase my bond percentage and keep...
by dwade1109
Wed Nov 08, 2017 5:00 pm
Forum: Personal Investments
Topic: Do I need more diversification?
Replies: 11
Views: 927

Re: Do I need more diversification?

What is a wash sale? I have never heard of this disadvantage in mirroring Roth and taxable investments. https://www.google.com/search?source=hp&ei=9R4DWv2jOsuZ0wLVgJzwCA&q=wash+sale&oq=wash+sale&gs_l=psy-ab.3..0i131k1j0l9.1734.6387.0.6559.15.12.2.0.0.0.141.1261.0j10.10.0....0...1.1.64.psy-ab..3.12....
by dwade1109
Wed Nov 08, 2017 10:10 am
Forum: Personal Investments
Topic: Do I need more diversification?
Replies: 11
Views: 927

Re: Do I need more diversification?

The two most tax-efficient funds/EFTs for a taxable account are a broad US stock fund (like Total Stock) and/or a broad foreign fund (like Total International). Do this: Taxable Total Stock Total International 403b Large Cap Total Bond Roth REIT Small Cap or Extended Market Fill any holes with 500 ...
by dwade1109
Wed Nov 08, 2017 8:52 am
Forum: Personal Investments
Topic: Do I need more diversification?
Replies: 11
Views: 927

Do I need more diversification?

Tax Filing Status: Single Tax Rate: 33% Federal, 0% State State of Residence: FL Age: 28 Annual Salary: 320 Desired Asset allocation: 90% stock/10% bond Desired International allocation: 20% of stocks Emergency funds: 30k Cash: 30k Debt: None Current Retirement Assets Total: ~210k Taxable None 403b ...
by dwade1109
Tue Jul 11, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 3132

Re: September short trip ideas

Thanks for all of the great thoughts! I should have been more specific about what we are looking to do: either something that offers cooler hikes (mountains), historic city tourism, or ideally a combination of the two. We are on a budget in the sense we are not looking for the most expensive vacatio...
by dwade1109
Sun Jul 09, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 3132

September short trip ideas

My girlfeiend and I somehow managed to carve out a week in mid September where both of our busy work schedules will allow us to take vacation. As a young couple without children and not trying to destroy the bank where would you travel from the US Southeast? Ideas we've had include Norway, Croatia, ...
by dwade1109
Thu Mar 23, 2017 4:49 pm
Forum: Personal Investments
Topic: Current Portfolio: Recharacterizing and Options for Rollover
Replies: 7
Views: 648

Re: Current Portfolio: Recharacterizing and Options for Rollover

You have a $60k rollover IRA that is in the way for what could possibly be years of back door Roth contributions. You also have an awesome 403b that you can roll the tIRA into (unless you have since learned differently). There is nothing to lose by rolling the rollover IRA into the 403b. So why are...
by dwade1109
Wed Mar 15, 2017 8:24 am
Forum: Personal Investments
Topic: Current Portfolio: Recharacterizing and Options for Rollover
Replies: 7
Views: 648

Re: Current Portfolio: Recharacterizing and Options for Rollover

Any additional thoughts on whether it is worth pursuing a Roth conversion to allow access to backdoor Roth contributions going forward? I have recharacterized and now am struggling with the decision of what to do with the rollover IRA money.

Many thanks,
Josh
by dwade1109
Mon Feb 13, 2017 8:14 pm
Forum: Personal Investments
Topic: Current Portfolio: Recharacterizing and Options for Rollover
Replies: 7
Views: 648

Re: Current Portfolio: Recharacterizing and Options for Rollover

With such a low interest rate, there is no financial reason to accelerate payments on the car. However, it suits you personally so there is no flaw in this approach as long as you can get a full $18k into the 403b. I can. I will just feel better psychologically to know the car is fully paid. There ...
by dwade1109
Mon Feb 13, 2017 3:16 pm
Forum: Personal Investments
Topic: Current Portfolio: Recharacterizing and Options for Rollover
Replies: 7
Views: 648

Re: Current Portfolio: Recharacterizing and Options for Rollover

If you manage to get $18k into your 403b in 2017, will that bring you back to the 25% bracket? What is the interest rate on the car loan? Do you have an old 401k? Or is that the 403b and you just put the wrong numbers down? No I would still be in 28 percent. 1.7 percent. 403b, my mistake! Editing o...
by dwade1109
Mon Feb 13, 2017 2:31 pm
Forum: Personal Investments
Topic: Current Portfolio: Recharacterizing and Options for Rollover
Replies: 7
Views: 648

Current Portfolio: Recharacterizing and Options for Rollover

Hello everyone! Emergency funds: 7k Debt: Car Loan on 2016 Honda Accord, 52 payments left of $452.19 each Tax Filing Status: Single Tax Rate: 25% Federal (going up to 33% for 2017), 0% State State of Residence: FL Age: 28 Annual Salary: 240k (was 50k for first half of 2016) Desired Asset allocation:...
by dwade1109
Tue Oct 11, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: MLK Vacation Ideas? [Martin Luthor King weekend]
Replies: 6
Views: 1461

Re: MLK Vacation Ideas?

Thanks for the tip! She loves diving, so narrowed it down to Cayman Islands (the luxurious choice) and Belize (the off-the-beaten path Bogleheads choice). Either way should be exciting! Anyone been to either? Yes. Been to both--and caymans, along with Cozumel, are the only destination that we have ...
by dwade1109
Mon Oct 10, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: MLK Vacation Ideas? [Martin Luthor King weekend]
Replies: 6
Views: 1461

Re: MLK Vacation Ideas?

Thanks for the tip!

She loves diving, so narrowed it down to Cayman Islands (the luxurious choice) and Belize (the off-the-beaten path Bogleheads choice). Either way should be exciting! Anyone been to either?
by dwade1109
Mon Oct 03, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: MLK Vacation Ideas? [Martin Luthor King weekend]
Replies: 6
Views: 1461

MLK Vacation Ideas? [Martin Luthor King weekend]

My girlfriend's birthday is coming up and I wanted to surprise her with a vacation somewhere for MLK Weekend (Thursday night through Monday night), especially since we will not have coordinating dates off for the holidays. Any ideas of cool, unique places to go from the Southeast? Ideas I had: Nicar...
by dwade1109
Sun Jun 05, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 7828

Re: Real price for a new car

Not to sound like a total newbie, but when you negotiate the out the door cost with the dealer via email (after using edmunds or truecar) can you negotiate for monthly payments as well? Obviously having cash in hand is the best but I am wondering if this process also works if you want to set up a f...
by dwade1109
Sun Jun 05, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 7828

Re: Real price for a new car

Not to sound like a total newbie, but when you negotiate the out the door cost with the dealer via email (after using edmunds or truecar) can you negotiate for monthly payments as well? Obviously having cash in hand is the best but I am wondering if this process also works if you want to set up a fi...
by dwade1109
Thu May 19, 2016 5:24 am
Forum: Personal Consumer Issues
Topic: Best moving option
Replies: 15
Views: 3846

Re: Best moving option

-How much stuff are you moving? -Do you want someone to do your packing or just the moving/loading/unloading? -When is you Florida place available? -How important is it to you to stay below a cost of $5000? -Ideally I want everything turnkey since I am being reimbursed -My florida place won't be av...
by dwade1109
Sat May 14, 2016 3:17 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 428
Views: 104395

Re: South Florida Local Chapter

Moving to Miami area, add me to the list!
by dwade1109
Sat May 14, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Best moving option
Replies: 15
Views: 3846

Best moving option

I am moving from Pennsylvania to Florida and am looking at moving options. I have a couple of mitigating circumstances which make this slightly more unusual than most: 1) I am covered up to moving expenses of $5000 (which includes me flying down, since I don't have a car) 2) My lease up here expires...
by dwade1109
Fri May 13, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 9667

Re: Complete Car Noob- Help Making First Vehicle Purchase

Not to hijack this thread but it seems the consensus regarding the Accord and the Camry is to buy new? Because they do not depreciate as much?
by dwade1109
Thu Apr 28, 2016 5:48 am
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 881

Re: Options for Two Months of Cash Flow?

The 60 day grace period is a great idea! Hopefully I can avoid rent, which is really the dagger :oops: (first month deposit, last month deposit, move-in fee etc)
by dwade1109
Wed Apr 27, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 881

Re: Options for Two Months of Cash Flow?

Exactly how much money do you need for the essentials? Could you live with family or friends for two months to cut down on expenses? I would try to avoid touching retirement funds. I would just live a bare bones lifestyle for two months. There seems to be lots of car offers with very low interest r...
by dwade1109
Wed Apr 27, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 881

Re: Options for Two Months of Cash Flow?

Can you have employer stop withholding state tax for PA? What $ amount do you expect to require for the 2 month period? My plan would be to charge items to the 0% APR card until you reach the $2k limit then use Savings and finally withdraw contributions from Roth. If you plan to save aggressively a...
by dwade1109
Wed Apr 27, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Options for Two Months of Cash Flow?
Replies: 6
Views: 881

Options for Two Months of Cash Flow?

Age: 28 State: PA till July, FL thereafter Income: 40k annually till July, 200k plus 15k bonus starting in September Assets: Roth: 85k 403b: 50k Savings: 5k I finish medical training end of July and start my first post-training job in September. Due to a recent family issue tapping emergency funds, ...
by dwade1109
Mon Feb 01, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 2879

Re: Best place to travel July/August for 1-2 weeks?

Thanks for all the advice guys! I think at this point either China-Tibet or Australia make sense, again want to do something on the other side of the world if possible!
by dwade1109
Sun Jan 31, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 2879

Re: Best place to travel July/August for 1-2 weeks?

Thanks for the tips everyone! I've been to Alaska. Same with Switzerland although I love it. Shame about Thailand and New Zealand. South Africa sounds awesome though! I do have 2 months off but I think my girlfriend might leave me if I spend 2 months straight traveling with my platonic female friend...
by dwade1109
Sun Jan 31, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 2879

Best place to travel July/August for 1-2 weeks?

My friend and I are graduating medical fellowship and have july and August off before starting our new jobs. We always said we would take advantage of the time off to travel. Any recommendations for a 1-2 week trip? We want to try to do something that will be close to impossible to do in future with...
by dwade1109
Fri Nov 27, 2015 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 8238

Re: MDs--Academics or Private Practice?

I'm not sure I'm going to stay there long-term....but on the other hand it gives me a little more flexibility personally and career-wise going forward. Does the academic job have a restrictive covenant? It does, but if I left I don't think I would want to stay in the same area anyway. Signed and ma...
by dwade1109
Mon Nov 23, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 8238

Re: MDs--Academics or Private Practice?

Thanks for all the feedback guys. I'm single and unmarried and the academic job is in a better city for singles. I also love to teach and I will get a full dedicated teaching day each week. I'm not sure I'm going to stay there long-term....but on the other hand it gives me a little more flexibility ...
by dwade1109
Thu Nov 19, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 8238

Re: MDs--Academics or Private Practice?

Well finally narrowed down to two tangible offers to discuss: 1) Academic job at my alma mater Pros: -Teaching and mentorship opportunities -<1 hour drive to my immediate family -warmer, larger city -academic enviroment, collaboration opportunities -~200k base pay plus potential annual raise dependi...
by dwade1109
Sun Oct 25, 2015 9:38 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1993

Re: Northeast Weekend Getaways for November

There can be quite a range of temperatures. One thing that hasn't been mentioned is that a given time different parts of the NE may have substantially different temperatures. It takes a day or two for a warm or cold front to move across the region. If you choose between say Niagara and the Berkshir...
by dwade1109
Mon Oct 19, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1993

Re: Northeast Weekend Getaways for November

All sound like great options! Cold would be below freezing; coming from Philadelphia cannot expect it to be too warm!
by dwade1109
Mon Oct 19, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Northeast Weekend Getaways for November
Replies: 12
Views: 1993

Northeast Weekend Getaways for November

Any ideas on good weekend getaways in the mid-atlantic northeast for early November? Taking the significant other on a surprise birthday trip. Things I have read about or thought of: -Berkshires -New Hampshire -Shenadoah Valley -Niagara Thinking something outdoorsy involving a bed and breakfast. Jus...
by dwade1109
Sun Sep 20, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 8238

Re: MDs--Academics or Private Practice?

Thanks for all the replies everyone and I apologize for the delay. I am about to graduate as a fellowship-trained eye surgeon and have finished the majority of my job interviews. Basically I am looking at making 1/3 to 1/4 less in the academic setting than in the private one. It's all a lot of money...
by dwade1109
Sun May 17, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 8238

MDs--Academics or Private Practice?

From a Boglehead perspective would appreciate thoughts on MDs going into academics versus private practice: Academics Pros: better hours in general, start at slightly higher salary, 'more fulfilling' intellectually, potentially more prestigious, opportunities to contribute to education and progressi...
by dwade1109
Fri Nov 21, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 12537

Re: Life purpose revisited

In my 20's, I am an insecure individual making my way through the world. High school was a terrible time, but college was somewhat better. As I get older, I feel that I grow into the person I was meant to be. I still have more questions than answers, but now I am less bother by the lack of answers....