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Paul Volker understood inflation, maybe Jay Powell could look at a history book.

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Robin Hood would be proud.

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When I went to the dentist , one time they asked if I wanted the cavity assistant (a dental assistant to fill my cavity) , the dentist was passing these...

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I had this problem with Vanguard I have an Index 500 fund in IRA and also a regular brokerage account , the autoinvest was on in the brokerage account,...

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I am in primary care, half of what I do is for free.

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#11 Joined the wrong practice which I initially thought was going to be my permanent long term position....

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Yes, if you have the same funds in regular account and retirement account and have auto-reinvest on, it might trigger a wash sale. Make sure their were...

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Suppose I just order my own labs, so I don’t waste the PCPs time (and mine since I don’t want to go to an appt). I have legit icd10 codes. Any reason...

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Does it matter ?

I split contributions to Roth401k and employer match has to go regular pretax. The way things are going , my retirement...

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If a patient wants me to order bw with no exam and no follow up appoint , then the lab slip gets no ICD10 code...

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The best way , I have found to address this with randomly elevated chol, sugars and other free care.

I have my MA , call them, " Dr....

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I have lived my entire life in the NE , never had 4 wheel / all wheel drive. The amount of times , that it snows so much and the roads aren't plowed that...

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Since you are employed, if you get paid by the RVU , it really doesn't matter how many time she comes in. Difficult behavior stops or at least stops...

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I really feel for you, 99% of my patient encounters are positive. We have a web site that pretty much says it all.

If I dont like them or...

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Like above, I just want to invest and not really care about ESG silliness, but SS, Vanguard and Black rock are the three largest stock holders in the...

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Did you turn off auto invest dividends? VTSAX had a distribution 6/21, did you buy more shares with it?

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You can discharge any patient , as long is it is not for race or sexual orientation. You may want to make sure you do it the right way and that she has...

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I would DCA, makes me sleep better. I try not to time the market, but... I have no fear of missing out of any spectacular market run up any time soon...

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I get these issues in reverse from the hospital. A patient gets admitted for a psych reason, usually suicide attempt , they get referred to OP Psych,...

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Are you a doctor? If so, make you own decisions and stick with them, but don't expect a 4 star rating.

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Last year we saved almost 70% of our income. Not because we planned it that way, We just did not have anything else to spend the money on. As you get...

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It is a speculative "thing". It is not an asset , it is not a bond, it is not a commodity , it is not a contract (put), it is a currency that...

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You would be better off with a well stuffed mattress than crypto. Like above , buy a target date fund for like 2080 and should should be fine.

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This is what I did , I saved extra money in a taxable account though my career. It was several million dollars, one day there was a good day in the market...

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"Best bet is secured fixed debt right now beating inflation."

How does this work , if you don't sell your house to live off the...

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When the market is going up above your interest rate, I can see the value of investing over paying down debt. But when the market is down over debt ,...

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Most GI in my area will scope the patient if I send notes of work up and exam. What is the purpose of going to a PA/NP to do a consult for a colonoscopy...

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"well that's a good question?"

How about a good answer.

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Total Return = (Ending Price - price paid) + dividends / price paid

VTI - DIVIDEND YIELD = 1.56%

The only thing you missed is...

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I think you are right in general with the exception of reinvestment of dividends. The real question for most is when is that time the right time. Most...

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Over reacting , probably.

Bad medicine , quite likely.

Forget about it and move on, there are a lot more important things...

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Your luckily day, BTC is down again , go on a shopping spree

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Did you decide on an EMR?

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You should check with an accountant , the 1099 route may be a bigger financial mistake than expected.

You are going to get paid the same...

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I really find it hard to believe that people did not expect eventually there was going to be a downturn in the market and/or recession....

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How do people access their accounts when Coinbse implodes?

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It depends who is going to do your in-house billing.

I used a billing service, they were great with sending bills, but no follow up. Primary...

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What is the price of bitcoin you need in order to be profitable?

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The principles are the same , the numbers and percentages are just different

- emergency fund
- retirement savings - tax advantaged...

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If the money somehow different because there is a different label on the account ? If you have $50 and your spouse has $50, your family has $100. But...

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Real estate prices are inversely related to mortgage rates, but there are too many other factors involved to predict prices in individual markets, especially...

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I do a lot of chart reviews , most epic notes are a joke, pages of meaningless , copied garbage , regurgitated word for word, with each visit. Sometimes,...

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I moved my money into tulip bulbs. What could go wrong?

maybe some one might eat one

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If you dont know what are fair price is, how can you determine if it is a good investment ?

It does not work well as a store of value, because...

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So what actually is a good stable bitcoin price in USD ?

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Most assets will mean revert to their fundamentals over time, the problem with Bitcoin, no one knows what that is, it is is $10 usd or $100,000 usd.

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Trying to predict when the market will rebound is a fools game. Maybe it will recover in 6-12 month or 6-12 years.

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If it costs $35k to mine a bitcoin, why would someone do it for a loss? Unless you really think is is going to go above 35k.

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When I moved at 18 , my family doctor gave me my entire medical history (birth to 18) on one 4x6 index card.

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Transfer everything if so desired to Fidelity as you mentioned. Transfer in kind. Then work on simplifying your accounts afterwords. You don’t have...

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If you had to go out and buy a new policy today would you? If the answer is no, because you are FI , then you don't need insurance.

If you...

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So who actually pays for the increase , is it the patient ? Is it the insurance? Is it the government ? Does it come from the attendings salary ? Or is...

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6% is still too high

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Personally i like making more money over less money so something that helps me do that is a win

It is not really a win win, you actually...

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Max out your tax deferred option along with saving extra money in a taxable , account , when the taxable account is sufficient , pay off the mortgage....

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When you go to kindergarten parents night you will be sitting next to a bunch of young twenty somethings and will be the old parent, but , feel blessed...

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I am not discounting that consultations or discussions with other docs in the same practice would be valuable, I wish I had the opportunity when I first...

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The UTMA provides a convenient way for children to save and invest without carrying the tax burden. The Internal Revenue Service (IRS) allows for an exclusion...

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If you are all employed "equals" under the system , then you pointing out this physicians misgivings may not be appropriate. If you feel the...

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Why would a split be a disaster ? It doesn’t change fundamentals, it just makes it easier for the undercapitalized day trader to get In on the act...

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This might come in handy.

But, I would pick something off the registry if she has one, rather than books, if you want to...

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High Yield Bonds, tend to do poorly in the part of the economic cycle looking forward. I would not consider them a stable investment for safe money, they...

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I dont know anything about that health plan in particular, but the one thing I learned through the years being in the doctor business. Buy a health plan...

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3 years ago my daughter who was certified , could not find a life guard job, All the good ones were taken by Feb for Memorial day start, now our local...

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My state can't hire enough lifeguards. Neither can New York (which is also generous and corrupt). Half the pools are closed.

Where did all...

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It is supply and demand. For every buyer there has to be a seller and for every seller there has to be a buyer. If there are lot of sellers wanting to...

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21k is a bargain, considering the cost of litigation. There are good reasons to read and understand contractual obligations in regards to decision ma...

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How does someone not buying a stock, decrease the value of the company ? There are 4 billion people in the world, if someone doesn't want to buy a good...

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This is one of the two issues, that keeps me from retiring, logic tells me I have more than enough money. Spending down , everything that I save my entire...

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I'm glad I still own XOM, since it makes me happy every time I go to the pump knowing the skyrocketing oil prices are benefiting shareholders, and since...

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Until the day BItcoin is monetized, it is all speculation. Once it is monetized, it won’t be speculative. I dont know enough about it, and also in the...

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Might have been a good salvage job, but not for some of us who owned the stock.

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Anyone one remember Worldcom ? The leader in the fiber industry, the one hit wonder that was going to revolutionize the world. Many disruptor companies...

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I would VTI etf. It should limit your taxable distributions along the way. You need to think forward a little. I bought index 500 fund, now the account...

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How much revenue per sale of each car and how many cars do they have to sell per year to justify their valuation ?

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Make sure that your malpractice covers this business venture. Your regular W2 may not cover you for a side job. Especially telemedicine , if you are "practicing"...

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Passive loss

when you have to put money into your "investment" on a regular basis not to keep it afloat. Like having a rental property...

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I got burned with paying 25k on tail coverage a few years ago....

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So if you are employed by this group in 2022, leave in 2023, the claim is filed in 2024 after your employment is terminated, are you covered ?
...

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Further, the professional liability insurance provided by the Practice to the Physician shall include coverage for all acts within the scope of the Physician’s...

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Sell your house , pay off your loans and be done with it. And if you still have the same girlfriend , after all is said and done, move in with her.

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For me the answer is yes and no, but for the most part, I end up dumping the losers and keeping the long term winners. My stock trading account is taxable...

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We actually need a national energy policy. Creating a hodgepodge of wind and solar, shutting down nuclear. Soon we will all be driving Telsas , but will...

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If you want good long term employees, you will need to have benefits that correspond to benefits in other offices and similar pay scale for the job types....

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1. you didn't lose your taxes, you just donated money to pay for your fair share , if it makes you feel better , you pay taxes to the government, the...

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New York (CNN Business)The stock market selloff has left the Dow Jones Industrial Average on track for its longest weekly losing streak in nearly a century....

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I can buy and sell funds, etfs , stocks , all with 1 click, never had any issues.

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You should get a 1099 at the end of the year. If you are W2 otherwise , just figure it out at the end of the year. You could always send some money to...

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In all reality, your day to day life will probably be the same. Go to work, play with the kids , soccer practice ...

The question is whether...

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I think if you call this a depression , it is more of a mental state of depression, not necessarily and "economic" depression. The definition...

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The way I look at TIPS , are a conservative way to protect the value of your money over the term of the bond. At maturity you will get back your money...

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Looking at MGMA 2021 data, the median wRVU pays $53, and the hospital proposed 80% of $53= $42 instead because I am not employed through the hospital...

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I usually just walk around with airpods on, but no music , usually works. If they still persist I I act like I cant hear them.

I have gone...

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The problem is , if you a good accumulator you will end up with a large taxable account. And trying to avoid taxes, although a great ambition might not...

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Continue for another 20 years and you will spend most of your day , talking about grandkids , politics and life. I hear more gossip than the local hairdressor...

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I would say. I also had one older doc tell me, every January 1st give yourself a late Christmas present and send discharges to the 10 most troubling...

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My wife supported me during medical and residency. She did not expect to get paid back for it. We consider ourselves equal in our marriage including savings...

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If you want to retire in 10-15 years and live the same, you should have about $33 million saved up , assuming a 3% withdraw rate

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The closer you get to retirement the more you think about this. In 2007 , I did not even seem to notice that we went through such a bad time, I had a...

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They could be cheaper for the next 10 years, might need the money in the interum