Search found 61 matches

by neuro84
Mon Aug 07, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4296

Re: Love your family car? Under $16,000? Please share!

I love my Mazda 5. Seats our family of 4 comfortably and doesn't drive like a van at all. Heck, it corners better than my Honda Civic.

It's been a great car for our family. My wife was hesitant about a van but I'm so glad we didn't go with a gas guzzling suv.
by neuro84
Mon Jul 31, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4966

Re: Philosophy major and future law student

Others have cited more objective data, so I'll just throw in my anecdote. I was a philosophy major who really, really enjoyed college. I was fortunate to travel globally with my philosophy professors, one of whom left an indelible mark on my life. As someone who works 80+ hour weeks now, I am so hap...
by neuro84
Sun Jul 23, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 1891

Re: Alternatives to Sansa Clip+ MP3 Player

I've enjoyed my Sansa Clip Jam, which I have owned for about a year now. It has played any MP3 file I put into it. I have not tried playing audiobooks, but I have converted my favorite podcasts to MP3 without any problems playing them. Battery life is good, price is right, and drag-and-drop file sto...
by neuro84
Tue Jan 03, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 8505

Re: Are Younger people funding 529 Plans?

I am 32 and we have a very small (< $1000) 529 set up for our 2yo daughter. It is basically a placeholder account for when we start earning more after I finish residency. We put about a hundred dollars a year into it, and relatives give token amounts at birthdays and Christmas. Right now, the IRAs t...
by neuro84
Sun Aug 14, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help my parents
Replies: 14
Views: 2023

Re: Help my parents

Anyhow OP, congrats to your dad for liking medicine enough to keep going! I am a family doc, and still enjoy medicine and my patients, but quality metrics and the idea that I am responsible for my patients behavior made me decide an earlier exit is desirable. Of course, Bogleheads advice on investi...
by neuro84
Sat Aug 13, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help my parents
Replies: 14
Views: 2023

Re: Help my parents

Regarding AA, I've linked them the wiki article on AA here. They're familiar with "age in bonds" as a theory and they feel this is too conservative for them, but I think they agree that 80/20 is a little too aggressive for a couple five years from retirement. They likely need an AA somewh...
by neuro84
Sat Aug 13, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help my parents
Replies: 14
Views: 2023

Re: Help my parents

His SS benefit, if he retires at 65, is about $2.8k/mo. This goes up to about $3.6k/mo if he pushes it off until 70. My mother's benefit is significantly smaller, about $400/mo at 65. Your mother will be eligible for a spousal benefit of half your father's PIA if she applies at her FRA, which is ei...
by neuro84
Sat Aug 13, 2016 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I backdoor Roth or just stick with taxable?
Replies: 17
Views: 2128

Re: Should I backdoor Roth or just stick with taxable?

My wife and I are two tax brackets below you and it was a very easy decision for us to go with option 2 last year (sans backdoor, just Roth conversion - her tIRA had about 20k in it, and we'll never be in such a low bracket again, after completing residency training). At the 28% bracket, you have to...
by neuro84
Sat Aug 13, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help my parents
Replies: 14
Views: 2023

Re: Help my parents

Thanks for the helpful posts! I agree you could simplify, and also reduce equity share. But it would help if you (they) clarified the likely date and ages at retirement. Also, in order to estimate needed income in retirement, it would help if you specified when they intend to file for Social Securit...
by neuro84
Sat Aug 13, 2016 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Help my parents
Replies: 14
Views: 2023

Help my parents

Hi Bogleheads, I am posting on behalf of my parents, who taught me to read, be aware of my privilege, and thoughtful about my life choices from a young age. I owe them all I have and will become. They bought me a copy of The Little Book of Common Sense Investing , which itself sent me to this forum,...
by neuro84
Tue Jun 28, 2016 3:01 am
Forum: Investing - Help with Personal Investments
Topic: Disability and Life Insurance- Military Resident
Replies: 11
Views: 762

Re: Disability and Life Insurance- Military Resident

You do need disability and (term) life insurance, but you should shop around more. The DI pricing is high, and the life insurance pricing is probably inaccurate because it's most likely not a level-term policy. I am a 32-yo medical resident (non-military) and I pay about $1600/yr for a $5k/mo benefi...
by neuro84
Thu May 19, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3450

Re: New Physician Looking for Advice

Good job recognizing the importance of savings. I think the majority of medical residents don't have any retirement savings. Congrats on developing this habit early - your later self will thank you for maxing that Roth space now, while you're still at the 12% bracket! Congrats also on finding a resi...
by neuro84
Sat Apr 23, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6370

Re: Physician Specialists Looking for career advice

As a resident, I'd like to thank all of the Boglehead physicians who took the time to post in this thread. I'm taught by doctors who chose to do academic medicine, and they've only ever known the employee model (and a very specific version of it - employed by a large academic healthcare system). As ...
by neuro84
Sun Apr 10, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for a down payment on a house
Replies: 7
Views: 1625

Re: Saving for a down payment on a house

I've been very happy with my Ally online savings account earning 1%.

Depending on your timeline, you could also consider a CD ladder.
by neuro84
Sun Mar 27, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Questions
Replies: 6
Views: 660

Re: Term Insurance Questions

I ran your numbers in the calculator here - m A 10-year level term policy for a healthy male born in 1960 (roughly equivalent to the one you have now, since it has about 10 years left) runs around $1200/yr. So that price is about right. Refer to above post regarding whether or not you actually need ...
by neuro84
Sun Mar 13, 2016 12:15 am
Forum: Investing - Help with Personal Investments
Topic: 25 year old...what to do next?
Replies: 14
Views: 1791

Re: 25 year old...what to do next?

Where do you bank, to have access to that 3.25% checking account? That's a pretty sweet deal. Way better than my online savings account at 1%.
by neuro84
Thu Feb 25, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: buy more shares of vtsax now or wait?
Replies: 8
Views: 1442

Re: buy more shares of vtsax now or wait?

I always buy as soon as the money is available. Time in the market > Timing the market.

I also agree with the above post. Pick a plan and stick with it. Less fiddling around, more investing stoicism.

Stay! The! Course!
by neuro84
Sun Feb 21, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 33226

Re: Don't understand nutrition and exercise

As per PJW's post - keep up on your vaccines! Seriously, I think your intake is fine. You need to prioritize healthy sleep, and you need to get more regular exercise. IMHO, it doesn't really matter what you do, as long as it gets your HR up to 75% of maximal (220 minus your age) and you can do it fo...
by neuro84
Sat Feb 13, 2016 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Is there life after AMEX COSTCO?
Replies: 2
Views: 972

Re: Is there life after AMEX COSTCO?

If that's the Blue Cash Everyday card, it's been around for awhile. Looks like they increased the signup spending bonus from $150 to $300. There's another version of the same card (Blue Cash Preferred) with twice the cashback at grocery stores (6%) and the gas station CB goes up to 3%, but it has an...
by neuro84
Tue Feb 02, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 4800

Re: Already filed taxes, didn't include small amount of interest income

Next year, I'll file in March! I'll do the 1040X after waiting a few weeks to make sure no more documents come sneaking along. I got a small federal refund and I owed a small amount of state. I'll send them both a check if the $20 changes the amount owed. I really appreciate the advice, Bogleheads. ...
by neuro84
Tue Feb 02, 2016 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 4800

Re: Already filed taxes, didn't include small amount of interest income

Thanks for the replies. No dead bodies, just a busy schedule and I'd rather not go through the headache of an audit.

I will look into filing an amendment. Sorry for asking something I probably should've figured out on my own!
by neuro84
Tue Feb 02, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 4800

Already filed taxes, didn't include small amount of interest income

Hi Bogleheads, In 2015, my wife and I gradually started incorporating some of the sound advice here, including starting an Emergency Fund at Ally Bank. I'm a medical resident and I had a lighter month in January, so I worked on getting all our taxes done early so that I wouldn't have them hanging ov...
by neuro84
Sat Jan 30, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 102
Views: 9081

Re: Public school or private school (with school data)

In choosing private schools, you may be moving your children into a relatively isolated sphere of society, where a large percentage of the child's acquaintances will go to similar schools, have similar careers, and live in similar affluent neighborhoods. I would certainly avoid putting a child into...
by neuro84
Sat Jan 23, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12004

Re: Stats on Americans 'cutting the cable' ?

I work at a University and I have to say I am yet to talk to someone under 30 who has ever paid for cable TV. The new term for these people are the " cord nevers". Rest assured the cable companies have strategies in place to ensure their revenue. Comcast, for one, has bought NBC so they h...
by neuro84
Sun Jan 10, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I increase stock%?
Replies: 7
Views: 1038

Re: Should I increase stock%?

A 5% drop is relatively modest compared to 2000 or 2008, for instance. Were you in the markets during those years? Did you feel the same way then? Even if you did, risk tolerance is only half the equation. The other half is need to take risk. As someone in a high-earning profession, you can sock awa...
by neuro84
Fri Jan 08, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Which of these horrible funds should my girlfriend choose for her 401k?
Replies: 20
Views: 1833

Re: Which of these horrible funds should my girlfriend choose for her 401k?

I'm not experienced enough to know the answer, but those do seem like really terrible options. I don't know how they get away with a 0.7% ER on the "cash equivalent" money market fund. What on earth are the fund managers even doing to deserve that 0.7%!? Can she talk to her employer about ...
by neuro84
Thu Dec 31, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Employer vs. Private Plan
Replies: 13
Views: 1237

Re: Disability Insurance - Employer vs. Private Plan

I don't know if there is an industry-wide standard for "catastrophic," but the two policies I was comparing phrased it this way: MetLife: A catastrophic disability means that due to injury or sickness, the insured has complete, irrecoverable and irreparable loss of: (i) the use of both han...
by neuro84
Tue Dec 29, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Employer vs. Private Plan
Replies: 13
Views: 1237

Re: Disability Insurance - Employer vs. Private Plan

I just went through the process of getting DI. If your employer could change in the next 30 years, I think it's very prudent to go with a private plan. The FIO riders are important, if you expect your income to increase in the future. And I would be sure to get a strict "own-occupation" de...
by neuro84
Tue Dec 15, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 44145

Re: OPM breach and credit freeze

1. Accept all OPM offers. If your identity is misused, you will be able to demonstrate that you took all prudent measures. ... 4. Freeze your credit at four major Credit Reporting Agencies (CRA), i.e., Equifax, Experian, Trans Union, and Innovis. For those of us who froze our credit before being ad...
by neuro84
Mon Dec 14, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Employer-sponsored vs separate disability insurance
Replies: 9
Views: 872

Re: Employer-sponsored vs separate disability insurance

I currently have two policies - 60% of income through my employer (which is not "own occupation" and paid with pre-tax dollars, so benefit would be taxable) and another one which pays 5k/mo even though I currently only make about 4k/mo. My case is somewhat unique in that I'm a resident phy...
by neuro84
Sun Dec 06, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Security freeze & Internet credit card transactions
Replies: 10
Views: 1110

Re: Security freeze & Internet credit card transactions

So a credit freeze does not impact credit card purchases made online, right? It hasn't affected any of my credit card purchases, online or offline. The only time it comes into play is during any transaction where the merchant would pull your credit. Eg, I was buying a new Google Fi phone and I had ...
by neuro84
Tue Dec 01, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: the business of marketing watches ?
Replies: 11
Views: 1815

Re: the business of marketing watches ?

We are inundated in cheap junk made overseas, mostly China and Asia but also Mexico and South America. Not just watches. Almost every brick and mortar store and catalogue and online operation predominantly sells this junk. So just accept it? Or actually look for more expensive quality products made...
by neuro84
Mon Nov 30, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Ins - Keep it?
Replies: 7
Views: 1416

Re: Long Term Care Ins - Keep it?

I would keep it. You are more likely than the average person to end up needing it. Even if your MS is well controlled now, "past performance is no indication of future returns" (Jack Bogle is not a Neurologist but the same principle could be applied).
by neuro84
Sun Nov 29, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 7308

Re: Project Fi experience?

One last note regarding GPS and data usage: The newest update of the Google Maps app has the ability to download maps and store them on your phone. I basically downloaded my entire home state and all the roads therein - this takes up about 1.5gb of data in my phone's memory. In return, whenever I'm ...
by neuro84
Sun Nov 29, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 7308

Re: Project Fi experience?

About a week ago, I switched my cell service from Republic Wireless to Google Fi. I believe RW was the closest to Fi in terms of overall plan design and pricing structure (cheap baseline service, firmware which prioritizes calling via WiFi, data over cell towers is charged per Gb and refunded if unu...
by neuro84
Fri Nov 13, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Grandpa, Father, Son Trip
Replies: 17
Views: 1703

Re: Grandpa, Father, Son Trip

Do you have some ancestral homeland you could all visit together? When I was 17, my dad (mid 40s at the time) took me on a trip with granddad (late 70s at the time). We went to Ireland to look for signs of our ancestors who had come over during the Potato Famine. We didn't find much in the way of an...
by neuro84
Wed Nov 11, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 7308

Re: Project Fi experience?

I'm writing this on a Nexus 6, LTE connected via Fi. I like it a lot. If your LTE data usage varies the ability to be credited for unused dats is another big plus besides those already mentioned. Other MVNOs don't offer this AFAIK. Republic Wireless also offers credit for unused data, with their ne...
by neuro84
Sat Oct 17, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Liable if I give 403b advice to colleagues?
Replies: 26
Views: 3095

Re: Liable if I give 403b advice to colleagues?

I'm not a lawyer, but if no money is exchanged, it seems there would be no fiduciary responsibility implied between you and your colleagues. And without such a relationship (without money changing hands), it seems to me that there'd be no grounds for a civil suit against you. Now, if you charged the...
by neuro84
Wed Oct 14, 2015 6:20 am
Forum: Personal Consumer Issues
Topic: [All weather car mats]
Replies: 59
Views: 4617

Re: All weather car mats

Our new used car didn't come with floormats. Based on the recommendations in this thread, I've decided to go with Weathertech mats. They have the laser-printed layout for our car.

Thanks again Bogleheads!
by neuro84
Sun Oct 04, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 29309

Re: ALLY Bank and the new tier announcement

Well, too bad. As someone who doesn't have a $25k emergency fund (yet) this will most likely affect me. At least I can depend on the good folks at bogleheads to direct me to the next best thing. Sounds like Discover Bank is going to be the way to go.
by neuro84
Sun Oct 04, 2015 9:11 am
Forum: Forum Issues and Administration
Topic: How did you find the bogleheads website??
Replies: 98
Views: 9026

Re: How did you find the bogleheads website??

I came to this place after reading Bogle's book, The Little Book of Common Sense Investing, given to me by my parents for Christmas one year. That was probably the best Christmas present I ever got.
by neuro84
Tue Sep 01, 2015 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth conversion
Replies: 6
Views: 385

Re: Question about Roth conversion

Archbish99, thanks for the heads-up. I had heard about recharacterization but did not know the practical use of this move. I'll go ahead and convert it all, and plan to recharacterize whatever amount pushes over the 25% bracket (if any).

Thanks everyone!
by neuro84
Tue Sep 01, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth conversion
Replies: 6
Views: 385

Re: Question about Roth conversion

Thank you very much. Shortly after I posted I realized this was probably something covered by the wiki, and it is:

http://www.bogleheads.org/wiki/Roth_IRA_conversion

Sorry for asking a redundant question! But thanks for the help.
by neuro84
Tue Sep 01, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth conversion
Replies: 6
Views: 385

Question about Roth conversion

Hi Bogleheads, I'm a resident (31yo) with a grad student wife (31yo), married filing joint. She had an old 403(b) which I rolled over into a traditional IRA with Vanguard this year. After the recent downturn, it has about $12,600 in it right now. I'm assuming we'll be higher than the 15% bracket for...
by neuro84
Sun Jul 12, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing med school loans
Replies: 4
Views: 823

Re: Refinancing med school loans

Thanks for all the helpful suggestions. I ran the numbers using Bankrate's loan calculator. There are some limitations of the calculator (can only add one extra large payment) but these were my parameters: 1) Keep current loan (9 years left, 5.14% apy) and payoff balance in full in March 2019: Total...
by neuro84
Fri Jul 10, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing med school loans
Replies: 4
Views: 823

Refinancing med school loans

Hi Bogleheads, I'm a medical resident and I've been going through the process of applying to refinance my (mid-5-figure) student debt through DRB. Currently the 10-year fixed rate on my loans (through the US Dept of Education) is 5.14%. The rates DRB has offered me are: 3.91% for variable-rate 10-ye...
by neuro84
Sat Jun 20, 2015 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Medical School Investing/Debt Management
Replies: 9
Views: 2244

Re: Medical School Investing/Debt Management

The financial adviser who talked to the med students thought invest not debt for a number of reasons. One, he thought the return would be better on investing; two, that way the money is accessible if we need it; three, 6.8% interest isn't that high, it just seems that way because interest rates eve...
by neuro84
Mon Jun 15, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 19843

Re: LastPass.com Breach

Great. I literally just started using this service 3 days ago, after a BH recommended it.

Thanks for sharing.
by neuro84
Thu Jun 11, 2015 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Resident [military physician - Portfolio help]
Replies: 16
Views: 2260

Re: Resident

Why are you filing separately? It rarely results in less tax. Gill OP mentioned that he is filing separately for reasons of calculating the Income-Based Repayment (IBR) stipulation in his wife's public-service loan forgiveness (PSLF) payment plan. Doing so results in a lower IBR, thus increasing th...
by neuro84
Thu Jun 11, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Resident [military physician - Portfolio help]
Replies: 16
Views: 2260

Re: Resident

I'm in residency, too. Congrats on finishing to you both! A couple thoughts off the bat - ... there is also a loan forgiveness program if she works for a non-profit organization for 10 years starting now. 1st thought - If you mean PSLF , her time in residency should count, too, assuming she worked f...