Would you ever waive a home inspection?

[hebel]

I'd wait, not for financial reasons but because of the relationship situation. Especially if spouse is going to be a high earner. Why not just wait until...

[hebel]

Based on your wish list, with my experience living there before, I would take Virginia off your list.

Also, although this may be a little...

[hebel]

Sure, probably not as difficult as you think. It's not like refinancing a mortgage....

[hebel]

How does the VA pension work. You get some portion of a pension after only 5 years? Do you have to be fully retired to get it, or could you leave the...

[hebel]

I recently bought speakers for music, not movies. I wanted to pay the least amount of money to get "club" level audio:

- speakers...

[hebel]

It may not be the most lucrative, but the "easiest" in my opinion would be outpatient cash psych....

[hebel]

Are you married?...

[hebel]

I'm a psychiatrist too, who became an attending July 2020. I rented the first year and just closed on a house this past month. After recently living through...

[hebel]

If you became an attending in July 2021, it's very possible that you will get a refund next year if you are W-2 since you will be "overtaxed"...

[hebel]

Inflation could lead to increases in home prices too. I wouldn't assume inflation = interest rates rise = housing price crash.

Some people,...

[hebel]

e brushes and water picks are my go-to. Makes a huge difference....

[hebel]

In my opinion, the responsibility was ultimately on the employer and neurologists who left to have a plan for those patients once they left. If you were...

[hebel]

New attending here...

From some of the replies, it isn't normal to fill controlled meds for another doctor in your group if they are on vacation?...

[hebel]

Anyone know of any non-profit companies?

[hebel]

I keep things like passports, SS cards, birth certificates, etc in a fireproof document bag....

[hebel]

Check out the work of the late french philosopher René Girard, particularly his work on mimetic desire and the scapegoat mechanism....

[hebel]

I'd recommend giving this a quick read to see the usual options when it comes to the TITLE:

https://www.whitecoatinvestor.com/tenants-by...

[hebel]

I'd have a discussion with your real estate attorney about your specific situation, as there are some differences depending on what state you're in....

[hebel]

Used to lift using primarily following a bro split or PPL.

Since recently hitting my 30's, I've really been focusing more on mobility/longevity....

[hebel]

Holding on to a reliable car as long as possible is probably cost-wise, the best way to go. Where I run into trouble is if I factor in my time. The cost...

[hebel]

You view getting a physician mortgage loan as crippling?

[hebel]

I agree. In a way this program actually is working as intended...for example I'm employed in a very rural county and am deferring opening up a cash private...

[hebel]

Psych:

- 30 minute follow-up slots.
- 60-90 minutes for new intakes....

[hebel]

I was very worried until I saw your income. As long as that debt didn't develop due to habits you aren't going to be able to break, then I don't see why...

[hebel]

Yes, I used the Form 990 prior to job negotiations. It helps to get an idea of the highest paid employees, which often includes other docs. Sometimes...

[hebel]

Quick Update:

Ended up having our offer accepted in a 5+ multi-bid situation without having to waive the inspection contingency, although...

[hebel]

I'd check out the subreddit called frugal male fashion. Link below:

https://www.reddit.com/r/frugalmalefashion/...

[hebel]

These warranty companies don't do an inspection before agreeing to cover your house?...

[hebel]

The housing market is obviously a seller's one right now, which is leading people to unfortunately waive home inspections with their offers. I hate that...

[hebel]

Another update: got a haircut yesterday, and the barber and his 17 year old client were discussing their experiences day trading crypto over the past...

[hebel]

I've been employed by a hospital system for about a year, and i've witnessed similar (but not as bad) issues with support staff. Maybe I'm naive, but...

[hebel]

Nurses and techs at the hospital were talking about their crypto buys during my latest hospital shift last week. ETH and Bitcoin will likely be around...

[hebel]

I'm in a similar situation and apart from the immediate tax benefit and lower AGI for PSLF, am just using it as a sort of efund for the next few years...

[hebel]

Anybody have an answer for this? Sorry for the urgency, but I'm in talks with banks over the next few days....

[hebel]

About to apply for pre-approval and was wondering what to report for my monthly loan payment amount: my payment amount for this next year or what it will...

[hebel]

What kind of employer benefits help with closing costs?...

[hebel]

Thank you, scenario 1 does apply to me (made 2020 contributions and conversion in January 2021). I'm planning on continuing to do bd conversions for both...

[hebel]

New attending with stay at home spouse. I made about 190k last year (was a resident for half the year) and my wife had no earned income.

...

[hebel]

This is also a state wide initiative being pushed by NY, including for outpatient:

https://www.google.com/url?sa=t&source=web&rc...

[hebel]

I think the glaring issue with this job is the pay. You seem frustrated at the lack of new patients, but I would say that actually you've been able to...

[hebel]

Am I reading this right? You have a 250 patient panel which you started building in late 2020 and currently only have a few follow-ups "trickling...

[hebel]

Good to hear. I also reached out to a realtor friend, who had a similar take to this forum. I think my plan to demonstrate "financial strength"...

[hebel]

Currently looking at various loan options. Speaking with a few realtors and mortgage brokers, the consensus seems to be that in a multiple bid situation...

[hebel]

Doesn't seem crazy to me. Post mortgage, the remainder of your salary is still about as much as my entire salary. Barring a big cut in income, you seem...

[hebel]

I'm currently renting. Unfortunately, my landlord put our home up for sale and we have to be out of here by the summer. That timeline also makes the building...

[hebel]

That could be part of it. Anecdotally, we would have built this year, but couldn't stomach the mark up in materials costs and potential delays from supply...

[hebel]

So for current renters, would you say this is a hot real estate market that is obvious to time (so keep renting till an inevitable crash). OR, should...

[hebel]

I agree with most of this, with a small caveat for point 3. If your residency has a 403b (or any similar retirement plan) that they match, I'd prioritize...

[hebel]

Just as an update for anyone with this issue in the future: got a hold of vanguard eventually and it was actually some kind of system error/glitch which...

[hebel]

Twice a year I pay a guy to do a crazy good interior and exterior detail of my cars. It looks so good, and takes away any desire to upgrade the cars....

[hebel]

I used a down pillow for years, but recently went to using no pillow at all. I used to get recurrent neck aches, but that's stopped since ditching any...

[hebel]

I don't remember unfortunately. My account hx shows my money depositing into the IRA on 1/22 and me doing the conversion on 1/25, so that should have...

[hebel]

I just gave up speaking with Vanguard after being on hold for 67 minutes (is the wait always that bad?) so thought I'd ask here before calling again....

[hebel]

What do you specifically click on in vanguard to get the account overviews and AA breakdowns?...

[hebel]

What's the tax rate for the distribution? I'm not getting consistent answers from online searches...I see some sites saying 20% and others saying it's...

[hebel]

I actually think I need to change my AA, since it's all stocks right now. Was going to move most of the 457 to bonds and move some money out of some of...

[hebel]

Current retirement accounts are 403b, non-governmental 457, and bdroth for me and my spouse.

The 457 is non-governmental, which I'm maxing...

[hebel]

A lot of these people are making the decision to take out loans to pay for college at the age of 17 or 18. At that age we don't even think people possess...

[hebel]

I agree, if I were single I would go for a nice apartment or condo and save. Honestly very hard to predict where you could end up after marriage.
...

[hebel]

I often used Sly Dial, which basically let's you call them and have it go straight to voicemail. So if you have permission to leave messages, I will leave...

[hebel]

I see what you mean, I appreciate the break-down....

[hebel]

So you would say this is more physician-specific advice rather than a general rule of thumb for the high income earning public?...

[hebel]

I participate in another personal finance forum, and was surprised to get a lot of negative feedback for saying high income earners should try to keep...

[hebel]

I'd appreciate some perspective from more experienced members of this forum. This past year has been a pretty great year for a lot of investors, and I...

[hebel]

Wow, really impressive guys! Here's some of my much less exciting highlights from someone at a different stage as an attending of ~6 months:
...

[hebel]

Yeah, I plugged in some numbers online with geico and another company just to compare auto insurance (they actually let you adjust very specific numbers)....

[hebel]

I would very carefully weigh the potential tax/cash benefits of something like having a company car against the potential liability you...

[hebel]

I currently do not have an IRA account. I want to contribute the max amount to a bd roth in 2020, but plan to open a trad IRA to do the bd roth conversion...

[hebel]

No, my question is do "I" contribute to the 457 in addition to my employers contributions. I definitely will continue to max out the 403b and...

[hebel]

Yeah, it's a 457b and the contract has specific wording related to what you're talking about. And it's 100%, up to a certain percentage of my salary....

[hebel]

No, my 403b contribution is matched by my employer...but the employer match is deposited into the 457 instead of the 403b. So I pay $750 per paycheck...

[hebel]

I'm absolutely sure! Had a good convo with my benefits department today. I decided to to ahead and fully fund the 457. Thanks again all for the input...

[hebel]

They put the 403(b) match funds into the 457 plan....

[hebel]

Thank you for the responses, I appreciate the input a lot.

Lordosis, my employer match is put into the 457. So the match + me maxing the...

[hebel]

I have access to a 457 (b) plan in addition to my 403 (b). It's through a non-profit, but non-governmental unfortunately. Historically, non-transferability...

[hebel]

Depending on your personal and family mental health history, I don't think opting out of the mental health benefits in general is a bad idea. I purposefully...