Search found 10 matches

by ping1050
Thu Oct 11, 2018 10:49 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5021

Re: New West Michigan Bogleheads Chapter Established

Also interested. Live in Grand Haven
by ping1050
Mon Sep 03, 2018 6:40 pm
Forum: Personal Investments
Topic: To pay of mortgage or not to? Help
Replies: 19
Views: 1301

Re: To pay of mortgage or not to? Help

Ive got roughly Similar age and financial details to what you provided. I had a similar(less amount) windfall and wrestled with this. Our home rate was at 3.75% and we are in the 35% tax bracket. We split the difference. Put 40% into the house and 60% into a 529/taxable account. This was back in lat...
by ping1050
Mon Jul 09, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 6060

Re: Should I take a $60k paycut to work 4days/week

I'd say "go for it". Medicine will always be there. My wife (a primary care dr.) and I are in a somewhat similar situation. I'm a surgical sub-specialist working full time and she went to 3 days a week with the young kids (2 yr and 8 mo.) She says going part time was the best decision she's ever mad...
by ping1050
Sun Jun 24, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Podcasts on money management and investing basics
Replies: 22
Views: 1651

Re: Podcasts on money management and investing basics

Paul merriman
White coat investor (for the higher income professional)
Dough roller
Radical personal finance
Money for the rest of us
by ping1050
Sat Jun 23, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Small company effect is overstated due to flawed dataset
Replies: 12
Views: 1880

Re: Small company effect is overstated due to flawed dataset

I find it hard to believe that when calculating factor premium such as value and small, they would have overlooked this within the datat set. And using portfoliovisualizer during his stated timeframe. 1986 to present, there appears to be a significant premium for SCV. Would be interesting to hear Pa...
by ping1050
Thu Jun 21, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55078

Re: What is/ was your career and would you recommend it now?

Ophthalmologist-eye surgeon I work 8:00am-4:30pm Monday thru Friday. During these hours I do work my tail off and typically work thru lunch. The field is procedure based and we get quick, reliable, excellent results the vast majority of the time (cataract surgery/LASIK/eyelids). The pay is solid ~$3...
by ping1050
Sun May 27, 2018 6:12 am
Forum: Personal Investments
Topic: Fund choices in Nationwide 401k
Replies: 11
Views: 1215

Re: Fund choices in Nationwide 401k

I am in the same boat as you. Awful Nationwide 401k. My NW SP500 fund ONLY charges 0.57%, so that’s that I went with(plus a 0.35% admin fee). In your shoes, I agree with above. Go with the target date fund and forget it. Its the least bad option for sure. I actually had successfully negotiated/peste...
by ping1050
Mon Mar 26, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 7994

Re: Question for physicians-- is my taking call worth it?

Ophthalmologist here. I take call at several level 2 community hospitals in the midwest. Usually end up getting 2 consults a week and maybe one globe a year. Sounds like same payor mix as you (uninsured). We get paid a little under $500 a day for a week at a time regardless of how many patients we s...
by ping1050
Sun Jan 14, 2018 10:32 am
Forum: Personal Investments
Topic: Nationwide 401k plan
Replies: 2
Views: 623

Nationwide 401k plan

Longtime lurker here. Hoping to get some thoughts on how to approach a 'bad 401k'. Nationwide 401ks have been discussed here in the past, and I've read through those threads. I'm a 34 yr old doc with a doc. We max out our tax advantaged accounts each year (wife + my 401k, both our backdoor roth iras...
by ping1050
Thu Jul 17, 2014 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Conundrum
Replies: 22
Views: 2709

Re: Whole Life Conundrum

Have a situation similar to OP. Grandma purchased me a NW mutual Whole Life (Complife) policy back in 1991. I'm a recently graduated physician (30 year old) with around 300k in student debt at 6.8%. Details of the policy are as follows: Annual Premium $629 ...Net Death Benefit $259,000.... Net Cash ...