Search found 122 matches

by darkhorse
Sun Dec 08, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Career paths & prospects in field of therapy?
Replies: 20
Views: 1122

Re: Career paths & prospects in field of therapy?

You should encourage her She is choosing a career that has at minimum above average pay and if successful, you can run your own practice and make top dollars In addition, and perhaps more importantly, she would learn skills that would allow her to take good care of her emotional health and cultivate...
by darkhorse
Sat Dec 07, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2369

Re: New passport how long to obtain?

I am planning to apply for a new passport. My old one expired about 20 years ago so I don't think I can renew it. I may need the passport in 4 to 8 weeks. Travel plans are still up in the air. I'm not sure if I should go through the normal process or pay the $60 expedited fee. Can anyone who has ap...
by darkhorse
Sun Nov 17, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 9
Views: 741

Re: Should I refinance?

Yes I think you could benefit significantly from refinance.
Make sure current mortgage does not have any early payment penalities
by darkhorse
Sat Nov 09, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3892

Re: Tale of 2 doctor job opportunities

I would lean towards option 2 given stability

3 doc pp is just too small. If one of the doc can't or decides not to work; if weekend arrangement between 2 pp group doesn't work in future or hospital decides to go with on house/employed physician model. Too many variables beyond your control.
by darkhorse
Sat Nov 09, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: You Tube Question
Replies: 6
Views: 1317

Re: You Tube Question

Only way that I know of, is buy YouTube premium

However if the video are not music, it does allow screen in screen mode on Android
by darkhorse
Thu Sep 12, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: medical (drug company) speaking and taxes
Replies: 14
Views: 896

Re: Advice needed: medical (drug company) speaking and taxes

Thank you all for thoughtful discussion!
Ended up holding extra through w2 job, unlikely that speaking program is going to continue for the product next year.
by darkhorse
Wed Apr 10, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Help: Help with quick tax related questions (1099 and child tax credit)
Replies: 2
Views: 266

Tax Help: Help with quick tax related questions (1099 and child tax credit)

Fellow bogleheads, I will appreciate your thoughts or insight on questions I have prior to finalizing taxes. This is the first year I am dealing with some of these and did not foresee it may need some help form a knowledgeable individual or professional. 1) we paid for daycare for our older kid that...
by darkhorse
Mon Apr 01, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1798

Re: Best car seat for air travel

We use these. They are awesome! The double as a backpack for the child, and have storage for treats and toys. Then you set them up as a booster seat. The kids love them, we (the parents) don't have to carry them, and therefore we aren't lugging extra junk with us on trips. They are not "approved" i...
by darkhorse
Mon Apr 01, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1798

Re: Best car seat for air travel

We just flew to Maui with our 19 month old. We used the Cosco Scenera from Walmart. She wouldn't sit in it on the outbound flight, but we were still able to store it in an overhead bin. It is easily transportable and is easy to quickly install in a rental car. We paired it with this luggage cart fo...
by darkhorse
Mon Apr 01, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1798

Re: Best car seat for air travel

Whatever seat you get, get something like this, and some tie down straps: https://www.harborfreight.com/150-lb-capacity-foldable-hand-truck-61867.html Makes moving through the airport so much easier. Thank you! Will be certainly getting it Do you typically get m gate check in this with rest of car ...
by darkhorse
Mon Apr 01, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1798

Re: Best car seat for air travel

We use these. They are awesome! The double as a backpack for the child, and have storage for treats and toys. Then you set them up as a booster seat. The kids love them, we (the parents) don't have to carry them, and therefore we aren't lugging extra junk with us on trips. They are not "approved" i...
by darkhorse
Thu Feb 28, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: medical (drug company) speaking and taxes
Replies: 14
Views: 896

Re: Advice needed: medical (drug company) speaking and taxes

Dear fellow bogleheads I anticipate around 6k income 1099 doing medical drug company speaker program. This is in addition to my W-2 job. I have two questions 1. Do I need to pay quarterly estimated tax for this 2. Travel, accommodations is provided for. What kind of deduction I could claim? One tho...
by darkhorse
Thu Feb 28, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: medical (drug company) speaking and taxes
Replies: 14
Views: 896

Re: Advice needed: medical (drug company) speaking and taxes

Thank you!

So if I get a laptop, use it for business purposes only, it should be sufficient to deduct it correct?

I essentially need to use it to review slides/presentation that pharma company made and then in turn present it to my peers.

Everything else is paid for so trying to minimize tax owed.
by darkhorse
Thu Feb 28, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: medical (drug company) speaking and taxes
Replies: 14
Views: 896

Advice needed: medical (drug company) speaking and taxes

Dear fellow bogleheads I anticipate around 6k income 1099 doing medical drug company speaker program. This is in addition to my W-2 job. I have two questions 1. Do I need to pay quarterly estimated tax for this 2. Travel, accommodations is provided for. What kind of deduction I could claim? One thou...
by darkhorse
Wed Feb 06, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Carvana
Replies: 42
Views: 4670

Re: Carvana

Friend bought BMW last month and traded in his old car.
Flawless process, he was very happy
by darkhorse
Sun Feb 03, 2019 11:44 am
Forum: Personal Investments
Topic: Backdoor ROTH with small existing traditional IRA question
Replies: 6
Views: 388

Re: Backdoor ROTH with small existing traditional IRA question

rhinopylon wrote:
Sun Feb 03, 2019 10:08 am
That's a great idea. I hadn't even considered converting the amount first. I agree, that will keep the transactions cleaner. Thank you
1. Transfer IRA to 401k if allowed

Or

2. Just convert all, it's small amount
by darkhorse
Thu Jan 31, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 10669

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

Never handle an accident involving vehicles with humans inside them outside of insurance. Those humans could always come back later (before the statute of limitations runs out, which can be years in the future) and blame you for medical injury that occurred during the accident. They will do this re...
by darkhorse
Thu Jan 31, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Really need help with new computer purchase!
Replies: 89
Views: 4487

Re: Really need help with new computer purchase!

RickBoglehead wrote:
Thu Jan 31, 2019 7:17 pm
I would strongly recommend you look at Costco. Reasons:

1) 2 year warranty PLUS 2 more years with your Costco Visa.

2) Costco Concierge support for years. Critical for someone like you.

+1
by darkhorse
Thu Jan 31, 2019 7:01 pm
Forum: Personal Investments
Topic: Taxable Account Roll Over
Replies: 8
Views: 462

Re: Taxable Account Roll Over

Transfer in kind to the same fund (if available at the other brokerage) should be ok.
by darkhorse
Thu Jan 31, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Asset protection question
Replies: 9
Views: 1121

Re: Physician Asset protection question

If you are worried that 3 million umbrella will not be enough, please get more. That's more effective than trying to 'hide' house
by darkhorse
Thu Jan 10, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help me evaluate Job offer (Physician)
Replies: 13
Views: 2209

Re: Help me evaluate Job offer (Physician)

Darkhorse, Seems to me the question you are asking? Should I continue to work as an employee of a system or go into private practice. A six person group maybe sustainable depending on location, specialty and age of the partners (recruitment issues). Working for a system has its downside but in gene...
by darkhorse
Thu Jan 10, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help me evaluate Job offer (Physician)
Replies: 13
Views: 2209

Re: Help me evaluate Job offer (Physician)

Not a doc, but quick thought. If you are 90% percentile in productivity at current position, why do you believe you will be middle of the road in your next (productivity based position)? If I knew I was highly productive, I would probably fight for a productivity based pay scale. This opportunity o...
by darkhorse
Thu Jan 10, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help me evaluate Job offer (Physician)
Replies: 13
Views: 2209

Help me evaluate Job offer (Physician)

Hello fellow bogleheads, I have been facing intense dilemma over my job situation. Part of me wants to just stick with my current job. Unclear if it is due to loss aversion or easier schedule on day to day basis. However, there are distinct advantages (and disadvantages) with new offer and will appr...
by darkhorse
Mon Nov 26, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Private mortgage and estate planning
Replies: 9
Views: 728

Re: Private mortgage and estate planning

Interesting question, I don't see how it could be a problem if all kids are well informed and understands beforehand rather than later.

No clue about IRS,b perhaps more experienced member can chime in
by darkhorse
Tue Nov 20, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 26644

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Keep AAA if you can.

Not only Geico reports it that other insurance company will have access to in determining rate, a friend of mine showed jump in premium after using road sale services twice.
by darkhorse
Tue Nov 20, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 26644

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Please keep in mind if you have: Chase Sapphire Reserve AMEX Premier Rewards Gold Card AMEX Platinum Citi Prestige You already have roadside assistance via your membership fee. I’ve used my Chase card’s roadside assistance twice and never had an issue. Is it complementary with Chase? I recall CSR c...
by darkhorse
Mon Nov 19, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Audible sale many titles 5 bucks
Replies: 1
Views: 474

Audible sale many titles 5 bucks

Dear fellow bogleheads Audible has sell going on that's worth checking. Many titles in different category for 5 bucks. Audible's Annual Treat Yourself Sale Some books worth noting Intelligent investor Make your bed 10x rule Random walk down walstreet Enjoy :sharebeer :sharebeer PS not sure if link i...
by darkhorse
Thu Nov 01, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 11083

Re: Spouse Diagnosed Non-curable Cancer -- what now?

I am very sorry about the diagnosis There is no best way but here's how I would approach it 1. Obtain second opinion about diagnosis, treatment plan, possible clinical trials and most importantly prognosis at bigger center such as MD Anderson 2. Reflect on prioritizing from happiness perspective. if...
by darkhorse
Sun Oct 28, 2018 10:12 am
Forum: Personal Investments
Topic: Reverse roll over IRAs for backdoor roth IRA
Replies: 7
Views: 508

Re: Reverse roll over IRAs for backdoor roth IRA

You don't need to roll over Roth IRA every year back to 401k for purpose of backdoor

It can just stay in roth
by darkhorse
Wed Oct 24, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6215

Re: "consultation fee": standard for preventative colonoscopy?

I am not very familiar but I can see why doctor doing the procedure would want to make sure risk/benefits
by darkhorse
Sun Oct 21, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Gift Tax
Replies: 10
Views: 631

Re: 529 Gift Tax

U r correct, it’s per person and not combined as long as u open account n contribute accordingly
by darkhorse
Sat Oct 20, 2018 10:48 am
Forum: Personal Investments
Topic: 33 Years Old - Check up and Competing Priorities
Replies: 7
Views: 1326

Re: 33 Years Old - Check up and Competing Priorities

Congrats on being where you are

I think you are on track to be comfortable with both options and choice could be whatever will make you happier as financially you are in a strong position.
by darkhorse
Fri Aug 17, 2018 8:55 pm
Forum: Personal Investments
Topic: Help needed:Correct way for 529
Replies: 7
Views: 870

Re: Help needed:Correct way for 529

Thank you, I mistakenly thought 14k could be limit. I appreciate insights.
by darkhorse
Fri Aug 17, 2018 11:55 am
Forum: Personal Investments
Topic: Help needed:Correct way for 529
Replies: 7
Views: 870

Re: Help needed:Correct way for 529

Thank you guys, that helps.

I intend to just keep beneficiary separate for each kid got now to see how much i ve got each of them.

Does limit apply per kid or total?

Thank you
by darkhorse
Fri Aug 17, 2018 1:41 am
Forum: Personal Investments
Topic: Help needed:Correct way for 529
Replies: 7
Views: 870

Help needed:Correct way for 529

Dear fellow bogleheads, I ve narrowed down to NY 529 plan. I would like to do monthly contribution to 529 plan for each of my 3 kida. I already ve 2 set up with kids name 1 year ago and I ve been makimg monthly contributions. While I was about to open third one, it got me thinking should I just open...
by darkhorse
Wed Apr 25, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 3753

Help! Nephew is asking for college advice (undergrad choices)

Fellow bogleheads, I have interesting conundrum at hand and this forum is best thing I know to ask for reliable advice.<br/> I have a nephew who is looking to make final choices Background: Neither I nor my sister/brother in law had education in US. Plus I do not have background in engineering. Alth...
by darkhorse
Wed Apr 18, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1936

Re: Buy rental property out of state !

Other option is real estate crowd funding
by darkhorse
Fri Apr 13, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: PURE insurance for high net worth families. Has anyone heard of them?
Replies: 3
Views: 983

Re: PURE insurance for high net worth families. Has anyone heard of them?

Never heard of it but interested in learning

Although i don't meet net worth threshold they are looking good, interested to see what am i missing out :)
by darkhorse
Wed Jan 31, 2018 9:04 pm
Forum: Personal Investments
Topic: Trouble call: Forgot to convert nondeductible IRA to roth for 2017
Replies: 7
Views: 971

Re: Trouble call: Forgot to convert nondeductible IRA to roth for 2017

What's the best way to handle it as it pertains to 8606 and roth conversion for 2018 Form 8606 filed with 2017 taxes: Part I Line 1 -- 5,500 Line 2 -- 0 (because in 2016 you converted everything) Line 3 -- 5,500 Line 14 -- 5,500 (this goes on line 2 next year) Form 8606 filed with 2018 taxes: Part ...
by darkhorse
Wed Jan 31, 2018 9:03 pm
Forum: Personal Investments
Topic: Trouble call: Forgot to convert nondeductible IRA to roth for 2017
Replies: 7
Views: 971

Re: Trouble call: Forgot to convert nondeductible IRA to roth for 2017

The $5500 basis from 2017's 8606 line 14 will carry forward to line 2 on your 2018 8606 form. Your 2018 8606 shows $5500 in line 1 (2018 ND contribution) and $5500 from prior years on line 2, giving you total basis of 11K. Convert the entire TIRA (approx 11K + earnings) and it will consume the 11K ...
by darkhorse
Wed Jan 31, 2018 11:34 am
Forum: Personal Investments
Topic: Trouble call: Forgot to convert nondeductible IRA to roth for 2017
Replies: 7
Views: 971

Trouble call: Forgot to convert nondeductible IRA to roth for 2017

Dear fellow bogleheads, Really need your help I contributed 5500 as nondeductible tIRA money market in 2017 :happy I forgot to do roth conversion prior to dec 31st :oops: 1) I have no other money in tIRA except 5500 plus some interest from money market 2) I did roth conversion in timely manner for 2...
by darkhorse
Wed Dec 27, 2017 11:17 pm
Forum: Personal Investments
Topic: Delayed Back door roth quick help needed
Replies: 5
Views: 574

Re: Delayed Back door roth quick help needed

Thank you both.
Really appreciate it
by darkhorse
Wed Dec 27, 2017 11:16 pm
Forum: Personal Investments
Topic: 529 parent vs kids name
Replies: 2
Views: 539

529 parent vs kids name

Dear fellow bogleheads

I am planning to open 529 for toddler.

Not knowing what rules might be for financial aid purposes in future, based on current rules, is it beneficial to open it in just my name with self as beneficiary vs kid as beneficiary

Many thanks

Darkhorse
by darkhorse
Wed Dec 27, 2017 11:09 pm
Forum: Personal Investments
Topic: Delayed Back door roth quick help needed
Replies: 5
Views: 574

Delayed Back door roth quick help needed

Dear fellow bogleheads I will really appreciate fact check I contributed 5500 to nondeductible ira It has been sitting there for a while in money market and new balance is slightly higher 5515 I was planning to call Vanguard and ask them to do 100 percent conversion to roth Question 1. During call, ...
by darkhorse
Tue Dec 12, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Prices paid for 2018 Honda Odyssey EX-L
Replies: 10
Views: 2955

Re: Prices paid for 2018 Honda Odyssey EX-L

I m interested as well.
by darkhorse
Tue Dec 12, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 1805

Re: HDHP with HSA vs PPO breakeven point

Someone told me rule of thumb

At extremes (rare use vs maxing rxpense), hdhp is favorable.

In the middle, calculation may be helpful
by darkhorse
Wed Oct 11, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Major home maintenance vs return on investment
Replies: 7
Views: 1297

Re: Major home maintenance vs return on investment

If I were you, i would act on it now
If and when you sell, inspection will reveal it and you will ve to fix it
Plus it will likely get bigger problem with time
by darkhorse
Mon Jul 24, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Rust proofing patio furniture and fence
Replies: 5
Views: 894

Rust proofing patio furniture and fence

Dear Boglehead New home owner here. We recently bought patio bench which is metal. We really like its color but would like to apply clear coat of something that will prevent rust. Similarly, I was also looking for something to apply over fence and gate that will prolong life. I did visit lowe's yest...
by darkhorse
Tue Jul 04, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: New job - assigned wrong (non-HSA) health insurance
Replies: 3
Views: 678

Re: New job - assigned wrong (non-HSA) health insurance

My understanding is your hsa contribution maximum is prorated based on how many month in a year you had eligible health insurance plan.
by darkhorse
Mon Jun 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 47
Views: 16658

Re: Recommendation of Security Cameras for Exterior of House

I ve a related question I need guidance on how to mount sokar security light on outside. I recently got it from Costco n has screw to mount. However, solar panel probably needs to be mounted on roof Do i drill a hole on roof , that just sounds scary thing to do Than you for any suggestion, i m new h...