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Utahdogowner

OK, thanks for your replies. I just wanted to make sure I wasn't being an idiot. This isn't in my personal investing statement or anything, and while I could probably be fine without draining the emergency fund, I also am very reluctant to find out. I will put all contributions on hold for now, hope...

Utahdogowner

I'm a primary care doc, so I haven't been hit like some of my colleagues that are specialists, but my volume is down to ~60%, our office is going through austerity measures, and we anticipate our take home pay (I'm an owner and am paid on production only) will be severely curtailed, and that we won'...

Utahdogowner

I am 16 years old and live in the midwest. I joined Bogleheads to get portfolio advice and lower the age of the median member. When I first registered, I thought it would be a one-time post-deal. I mean, I just wanted information on how to allocate my Roth best, but I was taken aback by the wisdom ...

Utahdogowner

I'm quarantined. So there's that. And I can't work when that happens. Sorry to hear that. Hope you stay well. Yeah, feel fine, only 2 days left of 14 days. Caught a bad case of cabin fever and am climbing the walls thinking about the lost revenue. In my case the quarantine is clearly appropriate, b...

Utahdogowner

I'm quarantined. So there's that. And I can't work when that happens.

Utahdogowner

What is the easiest way to check current positions as a percentage in order to evaluate for rebalancing? I have all accounts with fidelity. Do I need to do it in a separate spreadsheet?
Thanks

Utahdogowner

Her 401k at TD Ameritrade – advised fund (0.65% fee) – 4.9% Of the funds mentioned only three are worth keeping: iShares Core S&P 500 ETF (IVV) (0.04%) -- US large caps Vanguard FTSE All World Ex US ETF (VEU) (0.11%) -- International stocks Vanguard Total Bond Market ETF (BND) (0.05%) -- US bon...

Utahdogowner

Thanks for your thoughts. Until she picks up another job and has earned income, I don't know that it is avoidable as I don't have another place to park her 401k. It's in a managed option and I don't think we have any other choices if it's left in a 401k, actually. So that 50k in her 401k is just lo...

Utahdogowner

Her 401k at TD Ameritrade – advised fund (0.65% fee) – 4.9% iShares Core S&P 500 ETF (IVV) (0.04%) Vanguard Total Bond Market ETF (BND) (0.05%) PIMCO Income Fund Insti Class (PIMIX) (0.50%) Grandeur Peak International Stalwarts Fund Insti Class (GISYX) (1.02%) Vanguard FTSE Emerging Markets ETF...

Utahdogowner

It's been 2 years since I asked for a review and opinions on my investments, I am hoping to see if I've shifted off track at all. Income: 300-350k. Stable. Doubt to see growth. Emergency funds: three months of expenses, Ally Savings CD Debt: Mortgage, 143k, 3.85%, home ~400k value HELOC 84k (buildin...

Utahdogowner

I know it's a little socially taboo to say this, but frankly, spending money on a good psychologist/counselor has been one of my best financial moves, ever. I also find the $30 / 30 min workout with a personal trainer pays for itself well. Knowing myself, this helps me work harder while there and al...

Utahdogowner

In a large multi-specialty practice. In addition to the 9 paid days off, we're gifting FTE 200$ bonus, and our employed providers are getting $500 clinic wide and the partners at my specific group are matching that again. We also do a very small gift exchange - hang stockings and put candies etc in ...

Utahdogowner

You could, for ~1K, set up a trust that would hire your brother (and hers if you wanted) to be executors to use the money for things you would've wanted it to go towards - like setting up a college scholarship. Pay your brothers 1k a year to meet and pick recipients, give the recipient 50k, repeat. ...

Utahdogowner

i just got a used 2017 outback on carvana and was very happy with the entire process and service. on the other hand, i think buying a new car for these safety features is silly. i think rear ends are the most common collision and no safety feature is gonna stop another car from hitting you. if othe...

Utahdogowner

She should document everything that happens concurrently: the episode, the reporting, the follow-up, etc. Include names, places, dates and time of day. All the details. Best of luck to you both, she's courageous. Some patients come and want that documented in a medical record just as one more place...

Utahdogowner

It is broke, though, repeatedly. I've dropped ~5k into this car in the past 2-3years and have some warning lights on systems that are non-critical coming on and off at times. They create some level of anxiety even if I know they don't create an unsafe car (eg the pre-collision radar system turns on...

Utahdogowner

Olemiss540 wrote: ↑Thu Sep 19, 2019 6:55 pm How old are you? How long have you been practicing?

Under 40. Out of med school ~10 years.

Utahdogowner

Note that financing the car may require you to insure it with a lower deductible than you otherwise might, and/or to possibly add other insurance. It may still be a good idea to do it, but probably check and see in advance what other costs may be involved with financing the car. Good tip. Thanks!

Utahdogowner

I highly recommend that you get yourself out of debt and stay out of debt.

Appreciate your advice.

Utahdogowner

you are a car person though, to be clear if it ain't broke don't fix it. I always admired this one local cardiac surgeon we used to work with that would roll into our proctor training sessions in his 20 year old ford ranger, while all the out of town docs rolled up in town cars. or the intervention...

Utahdogowner

I'm emotionally done w/ a 12yo car I've been driving. Plan to get ~$13K for it. Don't commute far, not really a car person necessarily. Income ~275K. Debt: 130k 3.5% mortgage 110k on 2% HELOC that will switch to 0.5% above prime in 3-4 months after promo done. Took this to put full down payment on h...

Utahdogowner

anon_investor wrote: ↑Sun Aug 18, 2019 11:14 am Checkout the Ego brand ones from HD. They have good battery run time and cut well.

+1. I've liked mine. Esp for how quiet it is.

Utahdogowner

What is your diet like? Many work out, their metabolism increases and they eat more. Offsetting any gains from working out. You have a 2 phase problem: 1. Get to your goal weight (hard) 2. Stay at your goal weight (not as hard) I would tinker with your eating/diet to see what works to assist with #...

Utahdogowner

Greetings! Wife and I are about to have our first child birth next month and wanted to know what would be the best option? With our excellent insurance it's estimated* to be at maximum $5,000 out of pocket. Which option(s) seem best? We only have $6,000 in an emergency fund. #1 Pay cash. Deplete fu...

Utahdogowner

Has anyone used a personal trainer to work on balance issues as they age? 72 and thinking I need to work on balance. Obviously, there are all kinds of sites on internet with suggestions but have always found exercise proper technique is more than half the battle. Can a personal trainer help? All th...

Utahdogowner

Hi All, I plan to buy a SUV soon and would be buying a new car. I see that the price for trim levels varies drastically. Do you guys buy the highest trims ? Cars I am considering: 1. Hyundai Palisade 2. Subaru Accent 3. Honda Pilot I want to stay below 40k but see that Leather seats are available i...

Utahdogowner

Save enough to reach your goals spend the rest. We've tried to have a goal of maxing out tax-advantaged space as that is always a mantra of personal finance. As a physician-owner, that is 54k 401k + 12k Roth + 6k 529 (2 kids). >70k. I felt bad for a little while that we coudln't get much into taxab...

Utahdogowner

As a medical student I backpacked along the Garden Route of South Africa. There was a bus service (really a van w/ a trailer) that would pick you up and transfer you hostel to hostel very inexpensively. I also ended up renting a car. We found it very inexpensive and a ton of fun. We did safari's in ...

Utahdogowner

His comments were that every three or four years the safety feature improvements were significant enough to warrant rotating the car for personal use, and if it was for corporate use where corporate exposure could occur they rotated the cars every two years. Yeah, that's total nonsense. He is drivi...

Utahdogowner

I just replaced our main car which drove fine but was a 14-year-old Toyota 4Runner that my wife was driving our two children around in. I updated it to a new Subaru because they had the best safety features for an SUV the size we wanted, And I couldn't talk her into a minivan. Later I took care of a...

Utahdogowner

I'm so sorry for your situation. We had fertility issues, too. Not fun. I have a cousin who had worse fertility issues and had to end up w/ IVF. He hated the job, but worked for AmEx bc they are a NY based company and require coverage of IVF, so he saw it as an after-tax $20-30K bonus. After the kid...

Utahdogowner

jerryk68 wrote: ↑Fri Dec 14, 2018 5:29 pm Took a shower with my wife in an effort to save water but it turned into a very long shower. But we did save electricity by burning a candle.

What a good idea!

Utahdogowner

Congratulations!

I am filled with jealousy in a positive way.

Utahdogowner

Our local University sells their used but still very nice grand pianos every 2 or 3 years I'm. They open the cell up first to donors to their radio and TV programs as, so I get the letter occasionally. They seem like reasonable options to get a good and service Keanu, but I think you're probably loo...

Utahdogowner

Though the evil step mother or whoever seems to be the one that is vilified in a lot of these stories, it is really the fault of the deceased for not properly creating an estate plan to make sure their wishes are fulfilled. A trust that allocates x dollars per year (or the income or % of income fro...

Utahdogowner

Does one have to be at least 65 to get the insurance to pay for this vaccine? Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all. But my Part D underwriter lists Shingrix in their Tier 3 formulary Wow. Awesome. We haven't seen th...

Utahdogowner

HueyLD wrote: ↑Mon Aug 27, 2018 5:41 pm Does one have to be at least 65 to get the insurance to pay for this vaccine?

Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all.

Utahdogowner

We walked into "Shoplifters" thinking it would be lighthearted. It was about as lighthearted as a story of Japanese drifters kidnapping children in order to love them better could be. Which is not very much. But it was a great film.

Utahdogowner

What was your favorite product you purchased in 2018? Could be big or small items. Mine is probably an American Giant Hoodie that I have ended up wearing almost every day this fall and winter. Runner up: Kinco mittens. Cheap, but warm especially after waterproofing them. Tickets to see "Hamilt...

Utahdogowner

The best chain for you might be ExtendedStayAmerica since they have kitchenettes. There seems to be a number of them in the Disneyland area. I would guess that a regular hotel/motel with kitchenettes might work out better than a Airbnb since sometimes the descriptions of some Airbnb seem a little &...

Utahdogowner

I'm planning to take my wife and two children to Disneyland next month. because of soy allergies I will need a kitchen to cook basically all our meals for my son. I haven't really done southern California and Disneyland before. It's a 12-hour drive, and having talked with other people locally it's e...

Utahdogowner

Groundhogs, raccoons, and opossums got all of the cantaloupes. Five of those animals were caught using a trap. The groundhogs have tried eating peanut leaves. If I can get anything out of this year it would be some peanuts. Does anyone have any advice on how to keep these animals out without spendi...

Utahdogowner

this often has to do with high-deductible health plans. If you have a $20 copay but have not met your deductible, you are responsible for the full amount after any insurance discounts. Some doctors are not collecting any money besides the copay from patients on high-deductible plan because they dec...

Utahdogowner

Does anyone have any actual experience having to be "medically evacuated"? My former boss's wife (due to illness) had to be flown back from a winter vacation in Colorado to the Washington DC area - by air ambulance. In his case, his employer insurance covered it - but I recall the cot was...

Utahdogowner

We loved le BBQ in Austin.

Utahdogowner

+1 penzey's

Utahdogowner

I think the guy that Josh talked to that "inspired" the article was me. I know I broached this topic with him at the conference, but lots of people talked with him. I certainly wasn't thinking it was a national bubble, more local; we bought ~3y ago for 250k a 3200sq ft split level home tha...

Utahdogowner

Can't recall if it was Netflix or Prime, but saw that the BBC show, "The Night Manager" was streaming. It's a miniseries about a hotel manager and international intrigue that was among the best TV I've ever seen.

Utahdogowner

I just got done watching Bosch season 4 on Amazon Prime. This show is by far one of my top 10 shows of all time. High quality police detective drama. If you like this stuff I suggest you check it out. Season 4 was amazing. I couldn't agree more. Seems like no one else talks about it. We loved it, t...

Utahdogowner

My wife and I haven't been to a movie since "The Lord of the Rings" ended due to the behavior of the other moviegoers. My last movie was Rocky II (late 70's?). I'm serious. I'd rather nail my **** to a burning building, than go watch a movie in a theater. Man, you must really hate movies....

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