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[artemis]

That's why it's important to develop the habit of putting any pay raise or windfall primarily into savings, while keeping a small amount as "fun...

[artemis]

Some people, like me, don't have a place to plug it in to charge. But my condo is trying to solve that problem, so my next vehicle will probably be electric...

[artemis]

I think that's the answer. Find something you REALLY want to do and do it. Then cross your fingers. If the worst does happen, at least you didn't waste...

[artemis]

This is especially true for malpractice insurance and health insurance. The costs of those don't decline with fewer hours worked, which people who want...

[artemis]

You're very fortunate in your timing, as the markets are down and may be falling further in the future. You may not even end up with any gains to pay...

[artemis]

I think there's a lot of variation across specialties and across practices when it comes to how easy it is to cut back on hours. But of course the option...

[artemis]

I think that depends on how much control they have over their workplace/work environment (unless they are willing to completely change careers)....

[artemis]

No, you've got it right. An index fund is just that: a fund that follows a specific index. Both mutual funds and ETFs can be index funds. But not all...

[artemis]

And it is an even bigger benefit for Joe & Jane Average than for most of us on this board. The bank taking some time to return $500 or $1,000 to...

[artemis]

Can you describe what you find so attractive about psychiatry? That might help us figure out if your expectations for what a career in that field is like...

[artemis]

EVERYONE needs a fallback plan, since there's no guarantee of admission. "If at first you don't succeed, try, try again," isn't bad advice,...

[artemis]

No, they do not. The issue isn't chip-related, it's that someone who manages to compromise your debit card is pulling money DIRECTLY OUT OF YOUR PERSONAL...

[artemis]

Cutting back to just a couple of cards won't affect your credit score too badly (especially if you keep your oldest card). And an easy way to keep reserve...

[artemis]

Xraygoggles is right. Most fields of medicine are primarily about working with people. Understanding science is important, but having strong people skills...

[artemis]

Don’t go debit card only! Debit cards do not have the same level of legal protections as credit cards. And when a debit card is compromised, it is not...

[artemis]

Indexed ETFs are the way to go if you want to do tax loss harvesting on a regular basis, because they trade much faster than mutual funds do (mutual funds...

[artemis]

MaxPower, Pinwheel like a fabulous option!

[artemis]

I second everything Spiritrider has said, and will add that it’s worth trying to see if your current employer can be convinced to switch from Voya to...

[artemis]

No one knows the answer to that question yet, unfortunately. That is why you're not hearing much discussion about it; it's hard to have an informed discussion...

[artemis]

In my not-so-humble opinion, under age 16 is too young (and waiting until age 18 would be better). Smartphones take all the downsides of the internet...

[artemis]

I think that depends on how much hassle you're willing to go through in order to save a few thousand dollars in taxes. Everyone's pain threshold is different....

[artemis]

I suspect what you're seeing there is the test cross-reacting to antigens from another coronavirus. The antigen tests aren't as specific as the PCR ...

[artemis]

And it's not just politics, either. It's the conspiracy theorists, and the alternative medicine/anti-vaccine brigades, and the racists, and the misogynists,...

[artemis]

Bots and trolls are the bane of online discourse. And so far no one has found a completely satisfactory way to control them....

[artemis]

Right now international travel is a big hassle (since you still have to have a negative COVID test within 24 hours of your return flight in order to get...

[artemis]

Frankly, given your kids ages that sounds like a much more relaxing vacation than a trip requiring actual travel. Toddlers and long trips (especially...

[artemis]

I think that is an excellent compromise (and I predict that after sharing an Airstream with three toddlers for a month, the OP's hubby will be MUCH less...

[artemis]

That usually means that none of the choices are bad (although in the long run some might work out better than others)....

[artemis]

And even if real estate prices fall long-term, so what? The OP and spouse love the house and the neighborhood, the school district is good, the commute...

[artemis]

At the end of July, a week at the Nebraska Star Party. At the end of August, a trip to mainland Portugal (followed by a trip to the Azores in Octobe...

[artemis]

How about just putting it all in a taxable account and keeping it there indefinitely? Most physicians need a taxable account sooner or later, as they...

[artemis]

What makes it even odder is that there are actually liveaboards which specifically cater to snorkelers. So if you only want to snorkel, why sign up for...

[artemis]

Everyone who buys a house feels buyer’s remorse at some point. And it’s understandable, because even the cheapest house is an expensive purchase....

[artemis]

You might see if Chase will approve you for the Chase Freedom Unlimited card; it's a bit easier to qualify for than the Chase Sapphire Preferred or Reserve...

[artemis]

Clearly in her case it wasn't - but in order to make that call, we all have to know in advance not only our personal expiration date but our case of death....

[artemis]

Does buying new snorkeling gear count? I'm picking up a new set of fins and some dive skins. Not expensive, but worth the cost!

[artemis]

If we ever come up with an answer to that question, and a way to stimulate chondrocytes to grow and divide (without turning into chondrosarcoma), we will...

[artemis]

Death by 1000 paper cuts. This sort of nonsense is why if I have to choose between going through credentialing at another institution or retiring, I will...

[artemis]

You’ll get no argument from me there!

I think it is easy to forget that for most of history the physically disabled were “out of sight,...

[artemis]

You seem to think I am anti-exercise. I am not. But osteoarthritis is an excessive wear injury. The joint cartilage is wearing away, and it will not regrow....

[artemis]

There’s so much variation between individuals that it is hard to give a good guesstimate, but from what I have seen for most people the transition appears...

[artemis]

Availability is a problem in many areas, unfortunately.

Since people can self test at home, I think for epidemiological purposes testing...

[artemis]

Weight-bearing exercises make osteoarthritis worse, not better. And not everybody with mobility problems is dealing with a joint issue. Balance issues...

[artemis]

Your money has not vanished. You bought X number of shares, and still have X number of shares. And the odds favor that in 20 years those shares will be...

[artemis]

India is very dependent on Russian oil and gas, and much of their military equipment comes from Russia. Their experiences under British colonialism led...

[artemis]

That’s a good solution if there is a bathroom on the first floor. Some houses, though (like the one I grew up in), don’t have a first floor bathroom....

[artemis]

What’s frustrating about my friend’s situation is that apart from this one issue her parents are doing extremely well. They aren’t even close to...

[artemis]

Of course. We need to be careful what we say anywhere online. This is a lower profile website than many, but low profile is not the same as no profil...

[artemis]

One thing to remember is that it is a lot easier to move at age 60 and then it is to move at age 80 (especially if you have been living in the house for...

[artemis]

You make an important point: disability (either temporary or permanent) can happen at any age. I wound up on crutches in a knee-immobilizing brace for...

[artemis]

It also makes it clear that we (as a world) are going to have to figure out how to keep nukes out of the hands of totalitarian governments. The ONLY...

[artemis]

And that is the reason not to have them in your house when you are older. In your house they are nothing but a hazard. Use the Stairmaster in the gym...

[artemis]

Quick answer: No....

[artemis]

I think it's going to be a while off; right now we have a lot of people who recovered from the original Omicron variant quite recently, and that appears...

[artemis]

Just bumping this thread to announce that for the first time in nearly two years, my hospital doesn't have a single COVID patient admitted! *does happy...

[artemis]

Also, be sure you know what the withdrawal options are prior to retirement, not just at retirement. They may be different. It's not uncommon for employees...

[artemis]

Yes, he's written about it several times. Here's one of those posts: https://www.physicianonfire.com/doctor-loan/...

[artemis]

In that case, you might ask yourselves if there is any point in upgrading at all. 6-7 years will go by quickly, and you might appreciate the smaller...

[artemis]

You might lose $20k in transaction costs - but believe me, that is a lot less than you will lose if you build a million-dollar home in an area that doesn't...

[artemis]

I agree, that is a very worthwhile change, and one that benefits average (as opposed to wealthy) people. Anything that can help young people start saving...

[artemis]

The good news is that YOU don’t have to do it unless you really want to. You (and your siblings) CAN refuse the role of executor and leave settling...

[artemis]

if you can convince your parents to do just one thing, convince them to keep all of their financial records in one place that is easily accessible. As...

[artemis]

Unless you want to do some tax loss harvesting, what is the point of looking when the market is down? You just scare yourself, and a lot of the younger...

[artemis]

You are correct, so trade away!...

[artemis]

I miss the days when I was young enough to actually believe that all those terrible things mentioned in the waivers could never actually happen to ME....

[artemis]

I think anyone can request a PIN now (and it's past time for that!), but in my case a PIN is mandatory because someone tried to file under my name last...

[artemis]

And I am still waiting for the IRS to send me my PIN number - but that is OK, because I am also waiting for my CPA to tell me my forms are ready to be...

[artemis]

I watch the news - when I am working out on a treadmill at the gym and that's what is playing on the TV. Like everybody else I know, I get my news mostly...

[artemis]

And if you travel to Nebraska, be sure to stop at the SAC Museum! https://www.sacmuseum.org/...

[artemis]

I think most of them can make arrangements for vegetarians; you just have to let them know about your needs in advance....

[artemis]

Do it! That will give both of you memories that will last a lifetime. You won't regret it....

[artemis]

If you are interested in Europe, Rick Steves tours are very active, fairly small groups, and focused on education as opposed to shopping. For a wider...

[artemis]

Just remember she’ll owe taxes on the conversion. That’s not a reason in itself do not do the conversion, but you do want to know what the tax bill...

[artemis]

Assuming it's not killed in the future, you can do a backdoor Roth easily enough at any of the major brokerages. Megabackdoor Roth (again, assuming...

[artemis]

CharityVest looks promising, but unfortunately they can't accept mutual fund shares yet, and I am still on the old mutual fund platform at Vanguard and...

[artemis]

I'm bumping this old thread to point out two articles posted on HumbleDollar which offers a possible alternative for those who want some emerging market...

[artemis]

I'm still putting money in the market, and still taking advantage of opportunities to slowly tax-loss harvest my way out of Vanguard Total International...

[artemis]

It's a sound plan, but there is always the possibility that stocks go down and do NOT come back up (at least not for a very long time). Japan in the...

[artemis]

I agree with you, and have sent money as well....

[artemis]

I'd call it a happy accident, as it makes Putin's long-term plans crystal clear - no matter what he says, it's clear he never intended to just stop with...

[artemis]

Did you intentionally pick that asset allocation, or did you drift into it over time? Just curious. I drifted away from my intended asset allocation...

[artemis]

Yes, absolutely, but do each Roth conversion as soon as you can after making the IRA contribution, because you want to avoid making any gains in the interval...

[artemis]

Tax-loss harvesting is always optional - but when you have shares that for some reason you no longer wish to hold, it can be a handy way to get rid of...

[artemis]

Well, no tax loss harvesting for me today. My Small Cap fund has only one lot with a long-term capital loss, and it's only down by about a dollar. I'll...

[artemis]

OK, Millennial!

(In case the silly face didn't make it clear, this is intended as a joke!)...

[artemis]

Yes, I am picking up more Vanguard S&P 500 Index and Vanguard Developed Markets International Index shares today. I may do some tax loss harvesting...

[artemis]

CNN is reporting that Russian troops have set a building on fire at a nuclear power plant in Ukraine. It's not clear if the fire involves the actual...

[artemis]

Well, if the Ukrainians can keep working out they will be too strong for the Russians to beat. So the gym is clearly critical infrastructure!
...

[artemis]

What Larry Ragman said. Choose the option called "specific lot" or "Specific ID;" that will show you the purchase price, short-term...

[artemis]

It's fine to go with 100% stock allocation if you are many years from retirement and have the intestinal fortitude to ride out the market swings. (Some...

[artemis]

Well we wouldn't want our brave American "patriots" paying more at the gas pump, especially before midterm elections. (It disgusts me to admit...

[artemis]

Yes. The big problem is that what is good for Russia in the long term is not good for Putin. He wants to hang on to power and keep the money flowing...

[artemis]

Keep pushing. By law, an employer stands in the role of a fiduciary when it comes to employer-sponsored retirement accounts. Your employer is failing...

[artemis]

The more important question is what can you do about your employer's terrible 401k. In the long run, that matters far more than any IRA does, because...

[artemis]

The sweetener would be the EU and NATO memberships for what would be left of Ukraine. NATO membership, in particular, would make Ukraine untouchable...

[artemis]

Someone on another site suggested that a deal might include allowing Russia to keep a few Ukrainian territories that border on it and which have a Russian-speaking...

[artemis]

Right now they are frenemies. Their short-term interests are aligned in that both want to see Western countries weakened on the international stage....

[artemis]

But as a non-US company, it is not an S&P 500 company or a US small cap company, and that means it won’t be represented in my other holdings. And...

[artemis]

Any number higher than 0% is too high for me when it comes to those two countries.



Indirect support is tough to avoid, but...

[artemis]

I have to echo everyone else. Pick an amount you can afford to invest every month, and toss the money in monthly on the same date, regardless of what...