Search found 23 matches

by shantster
Sun Apr 16, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 7890

Re: Anyone else decided not to finish med school?

I'm a subspecialist working in the community, 7 years out post-fellowship. Quitting early in med school is the best time to quit! Far better than to soldier on, rack up hundreds of thousands in debt, and realize that quitting is no longer a financially viable option. The one wrinkle is that MS1 and...
by shantster
Sat Dec 10, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Protective & Carrying Cases for MacBook Air
Replies: 7
Views: 509

Re: Protective & Carrying Cases for MacBook Air

Agree with those suggesting incase. I always pick up a neoprene zip one from the Apple store when I've purchase computers. It's TSA x-ray safe so I will pull out my computer with this on it from my bag and send through the scanner by itself.
by shantster
Sun Aug 14, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re:debt vs savings
Replies: 15
Views: 1424

Re: Need advice re:debt vs savings

Agree - I would take the whole $100K extra per year and put to the student (and car) loans to get rid of them. That should take less than 3 years, at which point you'll have $100K extra per year to devote to additional savings. Your children are quite young and will still be young at time of debt pa...
by shantster
Sat Aug 06, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Which Debt to Pay Off First?
Replies: 19
Views: 1491

Re: Which Debt to Pay Off First?

Unless I'm missing something with Loan #2, paying $10K to pay it off seems like a no brainer. That's a free $30K in your pocket. Then would take the $2K remaining to put towards loan #1 to bring it to $15K. Take the extra $2K/month available plus the $400/month extra from paying off loan #2 to bring...
by shantster
Fri Jul 08, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 14290

Re: What's your asset allocation and why?

50% US stock, 25% international stock, 25% total bond index Why? 1. It's easy to remember and implement - tilting is too much mental work for me. 2. It fits my risk tolerance. I'm aggressively paying off student loans as well (started one year fellowship post-residency this month so it will get more...
by shantster
Thu Jun 02, 2016 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loans vs Maxing 401k
Replies: 35
Views: 3428

Re: Pay off Student Loans vs Maxing 401k

2016 will likely be the only year you are eligible for the student loan interest deduction. Be sure to make a voluntary $2,500 interest payment before the end of the year, even if your payment schedule doesn't start until next January. Only the 401k match beats a guaranteed 5.4% return. I believe y...
by shantster
Wed Jun 01, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 4669

Re: 3-Day Weekend: Monday vs. Friday?

Definitely Friday. The beer specials are far better on Thursdays than Sundays. :beer
by shantster
Sun Apr 17, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 4590

Re: Medical School preparation Pointers for a Sophomore Student

What is the difference between an osteopathic program, as compared to an MD program I'm currently a resident (MD) in a field that takes a number of DOs. Though I agree that the differences are narrowing, going the DO route puts you at a number of disadvantages. (these are as far as I remember with ...
by shantster
Wed Mar 30, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4990

Re: Bro Trip suggestions?

Asheville, NC? Lots of hiking and great breweries. Agree with Boulder (Denver area). Would look at Fort Collins as well on that same trip. I agree with Asheville. Also, there is whitewater rafting nearby. However, it gets really crowded when leaves turn in late October. Charlotte may be a good opti...
by shantster
Mon Mar 28, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4990

Re: Bro Trip suggestions?

Asheville, NC? Lots of hiking and great breweries.

Agree with Boulder (Denver area). Would look at Fort Collins as well on that same trip.
by shantster
Sat Jan 16, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointing refinance rate from DRB
Replies: 11
Views: 2275

Re: Disappointing refinance rate from DRB

Bumping up an old thread to get more feedback on the DRB rates. I have been looking into refinancing my medical student loans (~108K) during training (finishing fellowship in June 2017). I also was offered a rate above their advertised rates. Per their website and the information they sent me, the r...
by shantster
Tue Feb 24, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: An Easier Approach to Estimated Taxes
Replies: 5
Views: 991

Re: An Easier Approach to Estimated Taxes

There is a big benefit from paying your taxes by withholding from a W-2 job over using quarterly estimated tax payments. The benefit is that one can withhold more on job income in the last quarter and make it look like some of it was withheld in the first quarter. That can be helpful in avoiding a ...
by shantster
Sun Feb 22, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: An Easier Approach to Estimated Taxes
Replies: 5
Views: 991

An Easier Approach to Estimated Taxes

Hi all. I have my normal job that pays on a W-2 (listed as S-0 so that they withhold the max there) as well as a side business that is paid on a 1099, and I am finally at the point where I will need to start making estimated taxes for next year for my 1099 income. My income on the W-2 will be a litt...
by shantster
Fri Feb 06, 2015 10:32 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 7956

Re: What to buy sweetie for Valentine's Day

Sheets wouldn't do anything for me personally, well maybe Pratessi sheets. Maybe. Flowers are really especially nice if you know her favorite flower. For chocolate it should be something special. For a spa how about a Bliss certificate? They are all over NYC. I wouldn't want some randomn person com...
by shantster
Sat Sep 20, 2014 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 7719

Re: Sale of a home between boyfriend and girlfriend.

First, it does not appear that the house has been sold yet nor does it appear that there has been an offer; therefore, this is only a theoretical profit of $50k. I'd look at it from a different perspective. If it takes 6 months to sell, who will be footing the bill for the mortgage if they have alre...
by shantster
Sat Jul 19, 2014 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 48
Views: 5818

Re: Can't decide to keep 401k with previous employer or move

His OLD 401k ~$100K Pre Tax ~$40K Roth 401k (Roth contributions are from my earliest years of employment) His Roth IRA at Vanguard $4x,xxx (i may get shifted out of admiral shares on some of these, i've had some since before a change in allocations among 401k and roth ira a year or so ago) 11.9% VT...
by shantster
Wed Apr 10, 2013 5:30 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 6226

Re: Living in Pittsburgh

But the part of Regent Square, which IS a great neighborhood, that's outside Pgh is in Wilkinsburg and Swissvale (Woodland Hills Schools). Most Bogleheads would not accept the quality of those schools. Even the City of Pgh Schools, esp Taylor Allderdice High School (where Regent Sq city residents g...
by shantster
Wed Apr 10, 2013 3:37 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 6226

Re: Living in Pittsburgh

I'm surprised the thread has made it this far and no one has mentioned living in the Regent Square. I lived in Shadyside for 5 years but then moved to Regent Square upon graduating medical school and could not be happier with the decision. For what you pay for a decent (but still bread and butter) a...
by shantster
Wed Apr 10, 2013 3:24 pm
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 3818

Re: One night hotel stay in D.C.

DC is expensive. Hotels there don't often offer discounts because they don't have to; their rooms are full regardless of discounts. That being said, you should be able to find a good room for less than $400. Try the Grand Hyatt. It's a huge conference hotel, but I've had luck finding rooms there fo...
by shantster
Sun Aug 19, 2012 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Financial plans, girlfriend just out of grad school
Replies: 34
Views: 5670

Re: Financial plans, girlfriend just out of grad school

ug, its nearly impossible to ask advice around here without getting a life decision critique instead. sure, the financial picture would be rosier if she already had retirement savings, didn't have student loan debt, and had a high paying job but i forgot to run a credit check before we started dati...
by shantster
Sun Aug 19, 2012 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Poll: When did you 1st learn about a Roth IRA?
Replies: 54
Views: 7931

Re: Poll: When did you 1st learn about a Roth IRA?

I only learned about it last year, but I've been a perpetual student until this past May and used all money made for working to go towards school-related expenses. I opened an account right before the deadline for 2011 in April and put the minimum $1k in for a TargetFund and am working hard at putti...
by shantster
Fri Jul 20, 2012 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Federal student loan payment strategy
Replies: 7
Views: 1265

Re: Federal student loan payment strategy

I would contact the DOE Student Loans and get them to take the loan off deferment, if you can make the payments. If you can't do that, make sure you at least make the interest payments while the loans are deferred. Finding work at a "qualified non-profit" can reduce your loans to 10 years...