Search found 481 matches

by ofckrupke
Thu Jul 19, 2018 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?
Replies: 10
Views: 1065

Re: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?

Hi ofckrupke, thanks for your input! OK, if I'm reading these numbers correctly, FSTVX and FTIPX have about 93.8% and 72.4% qualified dividends respectively. Vanguard's website says VTSAX and VTIAX have about 94.8% and 66.6% qualified dividends respectively. So FSTVX is slightly worse than VTSAX in...
by ofckrupke
Wed Jul 18, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?
Replies: 10
Views: 1065

Re: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?

This is probably a dumb question, but where do I get the corresponding numbers for Fidelity? It doesn't seem to show up on the Fidelity website, e.g. here: https://fundresearch.fidelity.com/mutual-funds/performance-and-risk/31635V653 . Links provided for most-recent-year QDI and FTC summary info fo...
by ofckrupke
Thu Jun 28, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: High yield and tax-free munis
Replies: 23
Views: 2404

Re: High yield and tax-free munis

logat2 wrote:
Thu Jun 28, 2018 6:57 pm
this is strange - fidelity is saying my account isn't an advisor account and VNYUX is not available for retail investors
VNYUX is for admiral shares, that aren't typically available in retail accounts outside Vanguard.
Try VNYTX (investor shares).
by ofckrupke
Thu Jun 28, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Recent widow: When to take Social Security?
Replies: 17
Views: 1382

Re: Recent widow: When to take Social Security?

And what about pre-tax retirement contributions? Think W-2 medicare-tax-subject earnings (box 5), because this is what SSA means by "earnings". Pre-tax cafeteria plan payroll deductions like employee's portion of health care insurance premiums, or HSA contributions, reduce this number; but generall...
by ofckrupke
Wed Jun 27, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Am I getting the run around?
Replies: 24
Views: 4198

Re: Am I getting the run around?

That said, my spouse's 401(k) plan changes next month to have superb fund offerings, so that she will not need to use the SDBA anymore. It is be interesting to see how much pain is involved in unwinding that account. When spouse made a draining transfer from Fido BrokerageLink account to the regula...
by ofckrupke
Wed Jun 27, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Why aren't my ETF dividends qualified?
Replies: 29
Views: 4941

Re: Why aren't my ETF dividends qualified?

The link to the PDF page was provided in past years at bogleheads.org when I was bitching about Fidelity reps consistently lying to me and telling me that the QDI info was not on their web site. Basically, the reps were not told it existed and were actually told it did not exist, so they had no clu...
by ofckrupke
Mon Jun 25, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 74
Views: 11374

Re: 2017 Relative Tax Efficiency

triceratop wrote:
Mon Jun 25, 2018 10:26 pm
LocusCoeruleus wrote:
Mon Jun 25, 2018 9:24 pm

Also what's the deal with picking a date of end of 2016 rather than end of 2017?
Please read the current thread in its entirety to find an answer to this question.
+1. From beginning, to end. :wink:
by ofckrupke
Mon Jun 25, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: using CDs and bonds to generate tax losses
Replies: 7
Views: 805

Re: using CDs and bonds to generate tax losses

Just a question (because I really don't know the answer)... Can a loss on CDs due to EWP be claimed as a capital loss? If so, do you determine LT or ST by how long you've owned the CD? Actually Line 30 on the Form 1040 is dedicated to this one purpose--claiming a penalty on early withdrawal. It's o...
by ofckrupke
Mon Jun 25, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: using CDs and bonds to generate tax losses
Replies: 7
Views: 805

Re: using CDs and bonds to generate tax losses

Can a loss on CDs due to EWP be claimed as a capital loss? If so, do you determine LT or ST by how long you've owned the CD? Only to the extent that the penalty invades/erodes the principal; failure to earn interest due to an EWP is not a capital loss. WRT short or long term: is there even another ...
by ofckrupke
Mon Jun 25, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Caps Gains Tax Strategy
Replies: 12
Views: 1104

Re: Caps Gains Tax Strategy

I have already sold the asset. I am just looking to offset or delay the cap gains by potentially creating a set of inverse positions (I don't have any loses to harvest). Positions inverse to what? You bought the thing, then you sold the thing for a gain ; boom done. There is now no position to inve...
by ofckrupke
Sun Jun 24, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account setup
Replies: 6
Views: 640

Re: Taxable account setup

OP here... as we are currently in pretty high tax bracket, are we missing a trick by not using ibonds at Treasury Direct for 1-3yr savings? Probably not. You'd be forfeiting the interest on the three months preceding redemption if held under 5 years; and since you probably expect to be in the same ...
by ofckrupke
Sat Jun 23, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: I need help selecting funds in new 403B
Replies: 7
Views: 542

Re: I need help selecting funds in new 403B

What is a brokage window? day trading platform? Also known as a Self Directed Brokerage Account (or SDBA). See https://www.bogleheads.org/wiki/Self_directed_brokerage_account . SDBA investments in 403b plans are limited to mutual funds under IRC section 403(b)(7). SDBAs in other flavors of retireme...
by ofckrupke
Sat Jun 23, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are you smarter than my CPA? (IRA issue)
Replies: 17
Views: 1899

Re: Are you smarter than my CPA? (IRA issue)

Also, the backdoor Roth has been around for many years. If your cpa can’t handle it, you need a new one. CPA was not provided complete information/documentation (specifically, a copy of a correctly completed 8606 for tax year 2016) to unambiguously interpret the several 1099s, even w/benefit of 201...
by ofckrupke
Thu Jun 21, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: I need help selecting funds in new 403B
Replies: 7
Views: 542

Re: I need help selecting funds in new 403B

I feel more comfortable with fidelity and I also prefer their 500 index fund FXAIX mainly because it is low-cost index. is this the best option for me? TIAA's web site is clunk, so it may have escaped notice that in the UT plan menu (besides Traditional Annuity in a liquid GSRA flavor) are institut...
by ofckrupke
Mon Jun 18, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Are the Fed and Treasury distorting the MBS market?
Replies: 16
Views: 1648

Re: Are the Fed and Treasury distorting the MBS market?

Could it be just the negative convexity with MBS coupled with rising rates that is causing the effect that you are seeing? :idea: Seems like that should produce the opposite effect. Fewer debtors executing calls/prepaying, so effective maturities and duration extend, so market prices of the MBS sho...
by ofckrupke
Sun Jun 17, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2356

Re: Making taxable account more tax efficient

If you want dividends that are exempt from CA income tax (and federal income tax), you'll need to choose from the CA money market fund, the CA intermediate-term fund, or the CA long-term bond fund. Additionally, any federal tax fund which contains more than 50% federal bonds will allow you to claim...
by ofckrupke
Sun Jun 17, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2356

Re: Making taxable account more tax efficient

My claim about VSBSX vs. VMLUX under 24%/93.% taxation relied on the former's CA-exempt percentages for 2017 from Vanguard (50.23% of the interest income from 60.76% exempt US gov't assets) and today's SEC yields and durations. I believe that short end muni spreads have narrowed even as the treasur...
by ofckrupke
Sun Jun 17, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2356

Re: Making taxable account more tax efficient

I bought into VMLUX because it was under the tax exempt category for Vanguard and it has no federal taxes due and is partially tax exempt for state based on the percentage of CA bonds it holds. What taxes are due for VSBSX? Is it exempt from state taxes but I have to pay federal? Exactly. Actually ...
by ofckrupke
Sat Jun 16, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Total Stock Market ETF Gains Showing as Short-Term?
Replies: 2
Views: 330

Re: Vanguard Taxable Total Stock Market ETF Gains Showing as Short-Term?

Yup, yup, yup...except that a year is still short term; a year and a day is long term. And actually for 2018 the thresholds between the different LTCG rates are close to but not exactly on regular tax bracket boundaries. But you've got the gist of it.
by ofckrupke
Sat Jun 16, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2356

Re: Making taxable account more tax efficient

If I don't, then someone else will point out that if your taxable account is at least twice the size of your necessary EF, you could hold that in the form of stock funds as well; then if you need to draw on the EF, exchange an equal or equal(tax-adjusted) amount of bonds for stocks in a tax advantag...
by ofckrupke
Sat Jun 16, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2356

Re: Making taxable account more tax efficient

I also currently have an unrealized loss of around $1,800 on my short term bond index. If I sell it can I deduct it against my dividends this year? I'm not planning on selling any stock for gains and I use standard deduction. Better than that (since most of the stock fund dividends will be qualifie...
by ofckrupke
Thu Jun 14, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA 403b - SRA to RCP
Replies: 5
Views: 453

Re: TIAA 403b - SRA to RCP

Has anybody else gone through this? [...] RC/RCP seem barely preferable to a poke in the eye with a sharp stick. Curious why you say that about RCP? Are you talking just Traditional in RCP or RCP in general? Since RCP is fully liquid, I'm not sure if the floor makes much difference to me. I'll just...
by ofckrupke
Wed Jun 13, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA 403b - SRA to RCP
Replies: 5
Views: 453

Re: TIAA 403b - SRA to RCP

Has anybody else gone through this? Have the option, though would involve rollover from ex-employers plan to current employer's that has made the RC/RCP switch. Since the 3% floor was for us Trad's main attraction, no way will we be doing this; if we give up the floor on the old money, it will be f...
by ofckrupke
Wed May 23, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9275

Re: US T bills - first time user

What does this mean "Tenders at high rate were alloted at 54.11%"? I saw it in the "Review order page". Tenders are the total amount of submitted applications to purchase those Treasury bills. As one “tenders” their resignation from a job, the word tender means “submissions” or “handed in”. In this...
by ofckrupke
Wed May 23, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9275

Re: US T bills - first time user

Does this mean I will only be able to purchase if there are aggregate purchases in this quantity? Or is there some other meaning? As per above, that's minimum quantity to get best available pricing. If you click on "depth of book" for a particular issue I think you will see a greater variety of off...
by ofckrupke
Sun May 20, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
Replies: 41
Views: 5061

Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory

Schwab allocates a part of your portfolio in cash, which creates a cash drag. This is their main way of revenue, it is poor value for customers. It's a pretty hefty percentage too from what I've read. I should also say that I'm looking to leverage VPAS to unwind my holdings with Wealthfront into a ...
by ofckrupke
Sat May 19, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1411

Re: Max Out 457B and 403B at Hospital/University?

could someone do mega backdoor 55k in a 457B and a 55k mega backdoor Roth in 403B No. There's no mega backdoor angle for 457b plans. 1) Combined employer (this is almost always zero) and employee contribution limit = $18.5k (2018 limit) per employer; 2) limit on 457 elective contributions per emplo...
by ofckrupke
Sat May 19, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12686

Re: New(ish) attending physicians in the Bay Area: Housing

Mine is a forgivable promissory note, which explains why the interest is not deductible. Your interest paid, charged at AFR and withheld at payroll but exactly offset by the taxable fringe benefit, is not deductible because the home is not pledged as security. The reason that nonzero interest needs...
by ofckrupke
Sat May 19, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22983

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Savings account interest is taxed as ordinary income, so it would fall under 47.2% rate, I believe. Ah, but it's ordinary investment (unearned) income, and like nonqualified dividend income, for you, at 49.7% marginal taxation. [A savings account is a taxable investment, so its interest income is i...
by ofckrupke
Sat May 19, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22983

Re: Vangaurd Municipal Money Market VMSXX 1.39%

At my current marginal tax bracket, the federal tax rate will be 33%, and the state tax rate is 11.3% (California), so total of 44.3%. That was 2017; there is no 33% bracket from 2018 to 2025. The only way to have had this 33%/11.3% combination in 2017 was to be single filing, with federal taxable ...
by ofckrupke
Sat May 19, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Treasury vs Tax Exempt Fund
Replies: 29
Views: 2659

Re: Intermediate Term Treasury vs Tax Exempt Fund

Is there a Treasury Fund in the 7 year duration range? Fidelity's Intermediate Treasury Index (premium class = FIBAX, $10k min) tracks a 5-10y index as opposed to Vanguard's which tracks a 3-10y index, and has a duration of 6.33y currently. That might not be close enough to 7, or Vanguard enough fo...
by ofckrupke
Fri May 18, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1411

Re: Max Out 457B and 403B at Hospital/University?

Does this new rule mean I can contribute 18k to both the VA and another 18k to the university 403b? It must be past Spirit Rider's bedtime so I'm going to pinch hit: No, it does not mean that. It means that if both employers sponsor 403bs that involve employer or mandatory employee contributions as...
by ofckrupke
Fri May 18, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1411

Re: Max Out 457B and 403B at Hospital/University?

You're fine. The 402(g) and 457(e) limits (both 18.5k in 2018) are always separate. There is categorically no situation in which an individuals elective deferrals to 457s (summed across all one's employers) are required to be combined with those for 403b plans (again summed across one's all employe...
by ofckrupke
Fri May 18, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Treasury vs Tax Exempt Fund
Replies: 29
Views: 2659

Re: Intermediate Term Treasury vs Tax Exempt Fund

You don't need a TD account to buy Treasuries. Just to pile on a little, TD seems useless for purchase of anything you may ever choose to sell prior to maturity (except for savings bonds for which it's called redemption) because in order to sell you'd have to first have them transferred to some oth...
by ofckrupke
Fri May 18, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Treasury vs Tax Exempt Fund
Replies: 29
Views: 2659

Re: Intermediate Term Treasury vs Tax Exempt Fund

Comparing intermediate funds - treasury and tax-exempt for 25% federal tax bracket and 9.3% CA tax. Intermediate Term Tax Exempt - VWITX - SEC yield = 2.44% - after tax yield is 2,44 * (1 - .093) = 2.19% Intermediate Treasury Fund - VFITX - SEC yield = 2.67% - after tax yield is 2.67 * (1 - .25) = ...
by ofckrupke
Fri May 18, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Treasury vs Tax Exempt Fund
Replies: 29
Views: 2659

Re: Intermediate Term Treasury vs Tax Exempt Fund

Long Term Tax Exempt - VCITX - SEC yield = 2.64% - after tax yield is 2,44 * (1 - .093) = 2.37% Long Treasury Fund - VUSTX - SEC yield = 2.94% - after tax yield is 2.67 * (1 - .25) = 2.20% VCITX is the california LT muni fund, so either you meant the national fund VWLTX/VWLUX or should review your ...
by ofckrupke
Fri May 18, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1411

Re: Max Out 457B and 403B at Hospital/University?

You're fine. The 402(g) and 457(e) limits (both 18.5k in 2018) are always separate. There is categorically no situation in which an individuals elective deferrals to 457s (summed across all one's employers) are required to be combined with those for 403b plans (again summed across one's all employer...
by ofckrupke
Thu May 17, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9849

Re: 2-year AA Munis at Vanguard and Fidelity Today

Difference in expected return between the two $10k investments over the 1.65 years is thirty bucks, after taxes. This argument is made all the time, and the answer is always the same. [...] Multiply this type of decision over many purchases compounded over many years, and 20-30 basis points of extr...
by ofckrupke
Thu May 17, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12686

Re: New(ish) attending physicians in the Bay Area: Housing

So to clarify, you would owe no payments until year 10 for the 175k loan and no payments for 30 years for the $450k loan? Correct :greedy :sharebeer :sharebeer :greedy Mostly true! You will pay taxes on the prevailing interest rate. Assume that you take 100k loan and prevailing rate is 2%, 2k will ...
by ofckrupke
Thu May 17, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9849

Re: 2-year AA Munis at Vanguard and Fidelity Today

Difference in expected return between the two $10k investments over the 1.65 years is thirty bucks, after taxes. Unless one of them defaults. I guess I should have included the emphasis in the original. Does the difference in expected return fully capture the default risk? That’s a question, not a ...
by ofckrupke
Thu May 17, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9849

Re: 2-year AA Munis at Vanguard and Fidelity Today

gmaynardkrebs wrote:
Thu May 17, 2018 7:14 pm
ofckrupke wrote:
Thu May 17, 2018 7:09 pm
Difference in expected return between the two $10k investments over the 1.65 years is thirty bucks, after taxes.
Unless one of them defaults.
I guess I should have included the emphasis in the original.
by ofckrupke
Thu May 17, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9849

Re: 2-year AA Munis at Vanguard and Fidelity Today

Difference in expected return between the two $10k investments over the 1.65 years is thirty bucks, after taxes.
by ofckrupke
Thu May 17, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax rate on first $100 of LTCG
Replies: 2
Views: 416

Re: Tax rate on first $100 of LTCG

What happens when your other income is $50,600 and you also have $100 of LTCG? $50,600 minus $12,000 standard deduction is $38,600. If the LTCG was normal income or STCG it would raise your taxable income to $38,700, still in the 12% bracket, so your gains would be taxed at 12%, but, it is LTCG and...
by ofckrupke
Thu May 17, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Allocation help
Replies: 10
Views: 405

Re: Allocation help

Yes. 120K all unrealized gains. I don't do dividend reinvestment as I use most of the income to pay expenses. My wife who was investment banker thinks I should leave it alone and just put the new money into VTI. She thinks some of is timing and it is too much work to do what I had planned. I am jus...
by ofckrupke
Wed May 16, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1498

Re: 2018 Yellowstone Trip advice needed

My advice: stay within the park any night you can. You are already doing a ton of driving to salt lake and back. You don’t want to spend the whole week in the car. +1. Also, dawn is the closest you will get to having some of the most popular sights to yourselves, after a quick snack/breakfast in th...
by ofckrupke
Wed May 16, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: VFITX For Entire Bond Allocation [Vanguard Intermediate Term Treasury]
Replies: 11
Views: 1355

Re: VFITX For Entire Bond Allocation [Vanguard Intermediate Term Treasury]

Thoughts? Why not the indexed near-equivalent VSIGX (admiral shares min $10k , 0.07%)? Right now the difference in SEC yield is 2.77-2.65% = 0.12%, just about equal to the ER difference, and the duration on the index fund is just a hair shorter at 5.1 years vs 5.2 for VFITX/VFIUX. (If you'd actuall...
by ofckrupke
Wed May 16, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6937

Re: Mortgage decision killing me

30y fixed. Getting the +15 year option on extended paydown for only 0.25% on the rate is generous (if these two offers really involve the same closing cost). [What whodidntante said.] Don't think that much of the ARMs. If you end up going for the 15y (or either of the variable loans) for whatever re...
by ofckrupke
Wed May 16, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1907

Re: Why can't you rollover a retirement account into another one that you no longer work at?

Some rules/restrictions are specific to the breed (403b,401k, etc) of retirement plan; these are usually based on statute or federal regulation. Other rules/restrictions are imposed by and specific to the particular employer's particular plan - and many these could be subject to revision at some poi...
by ofckrupke
Tue May 15, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12686

Re: New(ish) attending physicians in the Bay Area: Housing

Also, what the the tax implications on the 0% loan? Is that considered taxable income, taxed at your ~50% federal+state? IRC section 217 titled "Moving Expenses" is suspended until TCJA sunsets in 2025. But the sections of the code that establish criteria for "employee-relocation loans" and their r...
by ofckrupke
Mon May 14, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12686

Re: New(ish) attending physicians in the Bay Area: Housing

somekevinguy wrote:
Mon May 14, 2018 6:49 pm
Do you anticipate a purchase anytime in the next 1-3 years or likely to continue waiting?
Anticipation doesn't seem like the right word.
But yeah, that's probably the right time frame...though I suspect I thought the same a year ago.