Allergies - what’s your best?

[DCdoc]

Cross-posting here and reddit to get more responses? But the overall opinion both here and reddit is that this is a psychological issue and not financial....

[DCdoc]

"head to head ERs lower with state funds."

You seem to be mistaken or confused. All 529s are state-sponsored. Nevada uses Vanguard....

[DCdoc]

Market-timer ...

[DCdoc]

"This job tilt toward lifestyle over income."

Wow man. That's a pretty amazing salary (600k) for a lifestyle gig. I'm choosing...

[DCdoc]

Fair point. After having taken some time off the forum, the layout confused me. I sorted by "most recent" and was oblivious to the "beginners...

[DCdoc]

I'm using NTSX which is a leveraged 60/40 fund at 1.5X to achieve 90/60 allocation. This is roughly 60% of overall portfolio. Using leverage has allowed...

[DCdoc]

That's a steep multiple and not a particularly lucrative practice. Can't a new grad in pscyh walk into an employed job and make 300k right off the bat?...

[DCdoc]

Can she qualify as a real estate professional? This would allow you to deduct passive paper W2 losses not normally allowed, and could significantly reduce...

[DCdoc]

I spread it out amongst multiple exchanges and multiple stablecoins (except tether which I think is a house of cards) to diversify location and reduce...

[DCdoc]

I’m not a crypto-head, but I put in 6 figures into stable coins to stake for 10% returns and have been happy so far....

[DCdoc]

it’s directly on the website


https://studentaid.gov/announcements...limited-waiver...

[DCdoc]

Well it clearly says only payments made after October 1, 2017 count. You can’t reasonably expect to have payments count years before PSLF was even...

[DCdoc]

A cardiology fellow and medical resident both in NY, and a pgy6 surgical resident in Detroit have reportedly died. I pray for their families and other...

[DCdoc]

I can’t give you a good answer. I rotate through many hospitals. Some patients should clearly have been intubated earlier based on vitals signs and...

[DCdoc]

Serious answer. 11 codes in 9 hours of work. In the majority of these cases the code is ended a few minutes after intubation. We aren’t doing elective...

[DCdoc]

I often discuss finance here but rarely personal info. I’ll make an exception. I’m an anesthesiologist in the tri-state area. I’m roughly 10-15...

[DCdoc]

Small sidebar. It’s so cold here. Waiting the 10 minutes for my ICE to heat up while driving, to get hot air, is painful. Do Tesla’s heat up immediately?...

[DCdoc]

I’m not trying to be snarky, but did you have any conversations re: partnership before taking the job? At this point, he has the upper hand since you’re...

[DCdoc]

We bought a 3rd car for the nanny to drive. That way it’s under our insurance. But, a big part of that is she has a sedan, and 3 car seats wouldn’t...

[DCdoc]

I just finished Quiet: the power of introverts in a world that can’t stop talking and highly recommend it for those, like myself, who are naturally...

[DCdoc]

My wife took my last name but she says that was mainly because it was a huge upgrade over her last name and she truly thought it would benefit her pr...

[DCdoc]

Confusing statements by OP agreed. Not intentional I’m sure but simply a poor grasp of the situation and incorrect terminology. I think OP meant they...

[DCdoc]

OP contributed $6000 to a traditional IRA, waited a bit, it grew to $6002. Converted it into a Roth. Mistakenly thought this was an over contribution....

[DCdoc]

I think if you now understand the difference between contribution limit and how a conversion isn’t the same thing (no limit) and re-read the comments...

[DCdoc]

Your contribution is $6000. Your conversion is $6002. You contributed $6000 into a traditional IRA. It’s fine to conVERT $6002 into the Roth. That doesn’t...

[DCdoc]

it is as simple as I wrote. You aren’t understanding and adding unecessary complexity to a common and simple “problem.” My correct answer isn’t...

[DCdoc]

Be patient and pay bills on time.

[DCdoc]

This question has been asked 1000 times. $6000 limit is contribution. There is no conversion limit. You’ll owe tax on $2 gain. No biggie. Stop...

[DCdoc]

I had a college friend renting a place in NYC a couple years after college. In finance, nice apartment, good income. He had a party at his place. I...

[DCdoc]

Age? Income? Yearly spending? Kids? Without details at best you’ll get generic answers similar to a yahoo finance article. And that’s fine if that’s...

[DCdoc]

Mortgage would be slightly under 1.5X income. No-brainer that you can afford it. I sense some anxiety in you about buying the house, which is normal and...

[DCdoc]

I'm fairly sure this is just being done to generate likes and fill up your reputation bar

[DCdoc]

If this were Survivor we could vote one of them out and solve the issue.

[DCdoc]

It’s an invitation for an audit. Legit but you need to do genuine due diligence on the company you choose.

[DCdoc]

Any recommendations on a digital picture frame? Something high enough quality that the pictures look good.

[DCdoc]

A nap...

[DCdoc]

I would imagine the revenue generated by the “regulars” from the forum based on ads is very low (unless you are paid per view). If the payment model...

[DCdoc]

Did you have SS withheld those years?

[DCdoc]

Please like this post to fill my bars.

edit: I tried “liking” my own post (FLP style) to see if I could boost my own bars, and you...

[DCdoc]

You take home $400k after taxes. You spend $60 and save $110k? Where is the other $220k going? If that’s for a down payment, once you have enough...

[DCdoc]

Cybertruck. This is the thread that keeps on giving. Not sure any F150 people are going to change over to drive a triangle on wheels. It looks remarkably...

[DCdoc]

Chores aren't earned income. The answer to every question you asked is "no." We would all love Roths for our kids, but it needs to be a real...

[DCdoc]

I would likely buy 6 of the $1 burgers, for the same price as the chicken sandwich. I don't know how to score that. I guess I'm not cheap, but simply...

[DCdoc]

I look forward to the FLP post in 3 years about the up charge for dentures.

[DCdoc]

Hatton Is just spam posting now out of bitterness their post count reset?

Issue resolved...

[DCdoc]

You paid yourself $87k and did the rest as pass-through? How did you choose that number? That’s really really low. Probably too low to justify as reasonable...

[DCdoc]

Seeing recent posts is tough. I haven’t figured it out yet. I don’t want to scroll through every single sub forum separately to see all recent new...

[DCdoc]

With the stock market improvement, and the forum down, I reached a point in my life (for the first time) where I thought I was doing pretty well financially....

[DCdoc]

Fatlittlepig is struggling to “like” his own posts.


Issue resolved. That's a feature, not a bug.

[DCdoc]

You’ll likely be worse off shifting $700k to a bad 401k fund than you’ll benefit by doing “measly” 6k yearly ROTHs, especially if you’re older...

[DCdoc]

I’m back from exile! I couldn’t log in for the past 4-6 weeks. Glad to be back!

[DCdoc]

Some Specialites are easier to work park time. ED as an example. That might allow a person to reduce FTE equivalent to achieve a better work life balance,...

[DCdoc]

The advisor could be right. But unlikely to overcome the .8% fee. That being said, I do somewhat agree with what he told you and I include smaller cap...

[DCdoc]

My medical school is now free. I graduated 15 years ago. I’m still paying off my loans. I do give money to my undergrad school but that’s sort...

[DCdoc]

You know the size of the refund (or amount owed) is not your tax rate, right? The tax law generally led to less taxes being withheld each paycheck. ...

[DCdoc]

Seems like you’re timing the marriage well to reduce taxes. In the future, if you can have kids 12/31 as well, you’ll be winning the tax game.

[DCdoc]

Just pay off your loans. Use 1099 money for it. You have 8 years left? That’s a long, long time to count of the government to bail you out. If...

[DCdoc]

Do you max your current W2 401k to 56k?

[DCdoc]

Psych Is super hot right now. Job market is crazy. There’s much greener pastures where you can easily double your current income. Run Forrest Run.

[DCdoc]

We gave up on FIRE dreams for the kids. I wanted to stop at 50, as they were leaving for college. Instead I decided to take a large pay cut to stop...

[DCdoc]

Forever home is a marketing tool from realtors....

[DCdoc]

I can imagine a lot of problems far worse than making a lot of money during retirement.

[DCdoc]

What about your 401k? Are you maxing that? Only having $6k in there is low. Did you just start as an attending? Can you max it out at $19,000 for 2019?...

[DCdoc]

Do you need to withdraw the money?  If not, save it for grandkids and it’ll have another 20+ years to grow tax free.

[DCdoc]

This is me of the most confusing/unclear questions I’ve read.  You’re not going to get the helpful answers you seek because of how you have written...

[DCdoc]

What is the reason why you want to create a LLC? There are legitimate reasons, but too often I hear people say they are doing it for tax advantages,...

[DCdoc]

Did you Inform them of the error or ignore it (knowing it was wrong) hoping they wouldn’t realize it?  If you knew it was wrong and didn’t tell them,...

[DCdoc]

Guy I know (not me): “I wasn’t smart enough to get into vet school so I became a neurosurgeon.”

[DCdoc]

I’m a man. So I silently resent my wife for spending relatively small amounts on a ton of stuff that I think we don’t need, but “I think we can...

[DCdoc]

Do you have kids? In your shoes I would sell the entire amount and superfund a 529. I suspect her parents would be thrilled at the idea their money will...

[DCdoc]

Unfunded pension funds which made excessively generous promises based on unrealistic assumptions coupled with increasing lifespan will increasingly take...

[DCdoc]

What’s your housing situation? Renting? HCOL or LCOL? Married? Kids? If not, this is the time to crush the loans. We splurged before kids, and...

[DCdoc]

How much does your wife make?

[DCdoc]

The insurance actuaries know more than you, and I mean that respectfully. So if you die of cancer instead of getting shot, your heirs get less? I don’t...

[DCdoc]

What is that? I know what the abbreviation is but how is that better than term life plus own-occ disibilty which most of us do? I can’t imagibe it...

[DCdoc]

Don’t do anything immediately. You need a plan. How much in equities? How much in bonds? How much international? Once you decide you AA (asset...

[DCdoc]

You need an overall plan, an IPS. Then the sum total of your investments should mirror that plan with different funds placed in the most efficient vehicles...

[DCdoc]

My tri bike was 5 figures and has no motor ?

[DCdoc]

During internship we got food coupons which gave food. The coupons were only good for $5 and we only got 1 per call (every 3rd day). So we photocopied...

[DCdoc]

Where is it located?

[DCdoc]

I’ll give you advice in a week when I finish reading your post.

[DCdoc]

The forum issues are making it harder for @FLP to “like” his own posts.

[DCdoc]

Anesthesiologist:
Patient: allergy to oxygen causing a rash.

Can anyone beat that?

[DCdoc]

“Based on” not equal to. That gives them a lot of leeway....

[DCdoc]

I’m guessing the capris you are fond of will work well on the bike - won’t get caught in the chain.

[DCdoc]

Hit refresh after the forum titles load

[DCdoc]

Did you read the documents for the SPD in advance? What you describe isn’t uncommon. If you didn’t read them, and this was in the SPD then I agree...

[DCdoc]

I can’t imagibe them cutting your health insurance because of pregnancy in any scenario.

[DCdoc]

You’re doing great

[DCdoc]

Aside from logging in, which I’m struggling with, it isn’t showing me new comments on threads unless I refresh after opening a particular thread.

[DCdoc]

You should have done that years ago. Congrats on a better lifestyle!

[DCdoc]

What field? Some fields (specialized?) will wait for the right applicant. Other fields like ED/anesthesia are more plug n play where if they have an...

[DCdoc]

We did sure payroll. No issues. The hardest part was getting tax ID numbers which they didn’t help with. But it was otherwise fine. I think it’s...

[DCdoc]

I’m sure you are aware that not having taxes withheld and paying under the table is illegal. I, personally, would rather pay a nanny more to offset...

[DCdoc]

There are model S’s with over 400,000 miles. They can go forever. I would buy a used S over a new 3, but I like luxury and tech. Either is a good...

[DCdoc]

I’m not a podiatrist. But in anesthesia I work with several. Some work in ortho groups, essentially functioning as foot/ankle orthopedic surgeons with...

[DCdoc]

Roll it over into you new/future job’s plans assuming they have good find options. Otherwise keep it where it is, or open up a solo 401k and roll into...

[DCdoc]

Can you invest all the money now and then (re) save for the down payment in the next couple years?

[DCdoc]

Single guy with no kids wanting a hybrid minivan? ?♀️

[DCdoc]

Did you ask about call frequency? Does it match what they told you while interviewing?