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[afan]

If you are sure you will not buy for at least a year, you could consider CDs or Treasurys. They will produce a higher yield than cash and will not lose...

[afan]

You have identified something that does not affect your life and you are powerless to change.

You cannot control what big investors do....

[afan]

All I know about Fink is that he is the head of a large investment company. I do not know anything about his politics and don't care.

I brought...

[afan]

Who or what is the "big dog?"

Why should one care about its perspective?
How is this related to voting proxies?...

[afan]

As I indicated, I don't pay attention to individual proxy votes. I do not know what issues have come up. I certainly do not know how Vanguard may have...

[afan]

What is Larry Fink's "garbage?"

Whatever it may be, you can remove his ability to vote your shares by not buying into his funds....

[afan]

You are assuming that profits are a zero sum game. Since corporate earnings, on average, increase over time, clearly it is possible for all companies...

[afan]

Simple solution
Buy the stock(s)...

[afan]

I would point out that you are not "cash flowing" the work if you are borrowing to pay for it.

This is a straightforward NPV question...

[afan]

This would increase costs for investors. Notifying everyone who owned shares of every vote for every company the fund holds-thousands in the case of broad...

[afan]

That is an impressive saving figure. How did you do it?

By the time we have paid federal and state income taxes, SS and Medicare taxes and...

[afan]

We are in the same boat. RMDs will considerably exceed what we want to spend. But saving in tax deferred is more tax efficient than saving in taxable....

[afan]

My area used to be like that. No more.

Quite a few residents are now taking jobs without a fellowship. They are not going to big academic...

[afan]

The best arguments for permanent telerads are when you don't plan to live in the same place long term. Sure, the group could drop you, but you don't care...

[afan]

First, who is the insured? You, or your significant other?

Second, does whoever is insured need life insurance at all? Do you have kids?...

[afan]

You get far more job security by being a partner at an in-person group in a place where few people want to live. The health care in that area will always...

[afan]

There is really no one with whom to bargain. We pay out the money we make. The only way to pay Dr. X more is to pay Dr. Y less. If you do that then Y...

[afan]

Not exactly on point. If they bought a new policy now, they would have to pay current rates. This appears to be a level premium policy, with rates far...

[afan]

Surgeons are not shift workers unless you set up the coverage that way.

If you have a shift that starts at 7am and another that starts at...

[afan]

We are not talking about having people work all day and then doing routine cases overnight. The idea is to run shifts. Just as you do in the ICU and the...

[afan]

Books are great and with ebooks, they need not take up space. But you need to know their taste. Mystery novels might not even be read by someone who adores...

[afan]

Depends in part on your health. The higher the likelihood that you will die in the next 4 years, the more valuable the insurance would be. Paying for...

[afan]

The OP said that part of the appeal was making people in sports cars jealous when beating them off the line at a stoplight.

To the extent...

[afan]

Having mid levels do things they can do is the solution to LPs and similar procedures. My hospital will not allow it. Many services have them do it anyway...

[afan]

Zillow has trouble keeping up with rapidly changing markets.

A friend bought a house a year and a half ago while the local market was zooming...

[afan]

At the cost of the cars under consideration you can buy the car you want and have it painted any color you like.

And the obligatory "used...

[afan]

It is because they do not pay well.

If they paid more all the services would do them.

The best solution for a low paying procedure...

[afan]

Interesting idea.

Of course, you will need to convince those people to carry guns. There is a lot of overlap with pacifists. Many would refuse...

[afan]

Right. One vote does not count for much, but of course support politicians who pursue your goals. One should care not at all how the politicians themselves...

[afan]

If you want to have an impact, refusing to buy the stocks misses the point completely.
What you need to do is refuse to buy the products, directly...

[afan]

Not that practical. Sometimes you want your kid to be able to drive your car or for you to drive their's.

Umbrella is the solution. For...

[afan]

What Hank said.

If possible, have him revise the trust to make her a/the beneficiary. If there is no one else to serve as trustee, then you...

[afan]

This is just one of the many reasons i would not invest in one of these deals. But for those who choose them how do you estimate your taxes and pay by...

[afan]

They can pass on a good education, good prenatal care, good health care while growing up. All of these things have lasting socioeconomic value, no matter...

[afan]

Assumes no real growth in inherited assets over generations. Possible but hardly a hard barrier.


Ignores the high heritability of...

[afan]

Do not make your minor child a beneficiary of anything. It will only cause headaches. A minor cannot do anything with the money. A guardian would have...

[afan]

I would not have a problem but I tend to speak as if I am being recorded anyway.

It would be a great idea to record all patient interactions....

[afan]

I do not open the door for strangers who show unannounced. I ask through the locked door who they are and what they want. If they tell me they are selling...

[afan]

There was a big market for put warrants on the Japanese market. Some people made a lot of money...

Part of the debate about dividend yields...

[afan]

I think the market is still high by traditional valuation methods. However, I do not believe that valuations give signals that can be used to time the...

[afan]

If I do have some need to interact, say with the clerk in a checkout line, I find just repeating "no", with no engagement does work. You may...

[afan]

From the description, I suspect that many of the returns are not in cash. The XIRR function needs inputs. The challenge for something like this is what...

[afan]

Dying with $50M would put a smile on my face.

Meanwhile, I have no desire to spend all my money. I have no desire to spend as much as I can...

[afan]

If you have enough money you can pay for all of this to be provided at home. Or you can go into assisted living. Again the secret is having enough money...

[afan]

Those are good reasons for people to use advisers. They are not reasons to pay an AUM fee. If you need advice, hire someone to offer it and pay them for...

[afan]

AUM is popular with advisers for the same reason it is a poor choice for customers. 99.9999% of the time, there is nothing for the adviser to do. Yet...

[afan]

As auggie noted, you are interested in how long you keep the mortgage, rather than how long you stay in the house. During the long decline in interest...

[afan]

Less than 1%. Probably a lot less. Too little to include in a budget.

[afan]

Go to each reporting agency site. I think the freeze information is easy to find. It is free.

I would freeze, rather than lock. As noted...

[afan]

The taxes would depend on how the money is invested and whether the earnings are distributed to the beneficiary. At current dividend rates, you could...

[afan]

Yes. If your kids could revoke the trust, then they would get no protection. The beneficiary of a trust they can revoke is treated as the owner of the...

[afan]

From an estate tax POV, the best might be for your wife to disclaim, if the money would then go to the kids. Since there is no will, I would have an expert...

[afan]

Maybe it varies by field and region. Our malpractice is a flat fee per doc. No difference in the cost based on the number of RVUs they generate. Since...

[afan]

I never buy anything with a debit card. Much less protected than a credit card

As long as you do not overspend on the credit card there...

[afan]

Look at it as a net present value question.

This is more accurate and a sounder approach than thinking of it as insurance. As others noted,...

[afan]

Do you take off your shoes when you enter the building, as you apparently do with a house? Or do you keep them on in common areas and only remove them...

[afan]

Always in the morning. Sometimes in the evening as well...

[afan]

VNQ

[afan]

My solution to long flights in coach is not to take trips that involve long flights.

Reluctantly, I will do an occasional coast to coast...

[afan]

Well, no one is forcing you to wear white socks....

[afan]

Agree about the problems with making people remove their shoes. For some they are essential to pain control. And the safety issue should concern you if...

[afan]

Although the average weighted maturity is longer for the junk bond fund, the duration is under 6 years. Not a long term fund.

I would go...

[afan]

I have long had financial plans for an unexpected early end to my working career- savings, disability and life insurance. I do not have a life plan, since...

[afan]

You made three phone calls to try to get a 20% discount on TurboTax? What value do you put on your time?

And why in the world would people...

[afan]

No way I could willingly retire at that age. If forced to do so, I would not be liquidating assets. When I do retire, I plan to live on RMDs and Social...

[afan]

There is another way to preserve the system. Another possible solution would be benefit reductions, not just cutting inflation increases.

...

[afan]

You need to know the details about buying in. How much do you have to put up? What are the terms for getting your money out if you were to leave? ...

[afan]

The account would remain valuable. The last 6 months of contributions may not be that important.

Someone xould retire and use the HSA funds...

[afan]

An FLO might be good for you. If you want to take advantage of the high gift tax exclusion, you will want to give much more than the annual exclusion...

[afan]

Remember that many of the elite private high schools have admission processes and standards similar to the Ivies. In part, they send many of their graduates...

[afan]

You could probably get some free advice by calling your current malpractice carrier or broker. Ask whether there is any insurance needed or even available....

[afan]

I have never heard of trainees buying their own insurance on top of what the program provides.

Even when things go badly, as best I can tell,...

[afan]

I don't despise how FB operates. Evidently many people are willing to trade their privacy for the things the company offers. I am not, but each to their...

[afan]

Could be.

I suppose it might be easy if the kids either genuinely develop the same beliefs, or had enough of it at home to pretend.
...

[afan]

We budgeted for private school before our kids were born. Had we gone public, that money just would have gone to savings, so there was no sacrifice. We...

[afan]

https://www.cancer.gov/about-cancer/...lds-fact-sheet
even handed review of risks.

...

[afan]

Be careful about conflating a toxic atmosphere in one rotation, perhaps only one or a handful of people, with a toxic field. You may be right that an...

[afan]

Except that I would not pay $200 for any of those things. At least a meal, at much less than $200, provides me with food. There is a reason to pay for...

[afan]

As an investment, it is a negative expected value proposition.

As entertainment, I don't get it. A sporting event will play out exactly the...

[afan]

We are quickly finding that IR does not want to do these low RVU procedures either.

The degree to which things are set up by techs depends...

[afan]

I am not in primary care.

We have a shortage of PCPs at our place and this has long been the case. There are many physician extenders, NPs,...

[afan]

Chubb has a good amount of information about safes on their site. If you insure with them they will consult as to how expensive a safe to get, where...

[afan]

What is BFE?

Whatever it is, right now it is hard to find radiologists with no work to do. Telerad practices are picking up all the work...

[afan]

Reimbursements for all specialists get cut. Some of the cuts for radiology reflect increases in efficiency. Radiologists read a lot more cases now than...

[afan]

Turning down work not directly related to your research is great advice for any junior faculty member trying to build a research career.

...

[afan]

Most K awards expect 75% effort on the grant. You may be among the specialties that permit as little as 50%. But people who make it as investigators devote...

[afan]

Different perspective.
I have been at it for a long time and I am constantly learning new things.

We update our scanning protocols...

[afan]

We bought an inexpensive house that we liked, right out of training. Stayed there for 18 years until we changed jobs and had to move. By the time we left,...

[afan]

The company will be able to tell you your basis and hence how much, if any, will be taxable.
Whether you need LTC insurance or whether one should...

[afan]

I am not supporting or promoting anything. Just reporting facts.

Coddling... is full of examples of the off limits statements and consequences...

[afan]

Again with the ad hominem.

It really does not strengthen your argument.

Check out the president of MSU, fired over the Nassar...

[afan]

Google "tenured professor fired" and see how many examples you find. Happens all the time.
If you mean it that this surprises you, you...

[afan]

It is not only about the people who are applying to medical school.

You are assuming that the individuals who apply for positions are the...

[afan]

I will omit the customary retaliatory ad hominem.

I suspect you do not actually work in academia. It is not the free speech nirvana you seem...

[afan]

I don't see the point in looking at houses you would have no interest in buying. All you will learn is the market for things you don't want. Why not look...

[afan]

But I find the issues of diversity, quality of care given to minorities and access to higher education more interesting than the case of this one guy...

[afan]

But they did NOT take away his livelihood. He STILL WORKS THERE. Not only was he not physically attacked, he did NOT lose his job.

They...

[afan]

Again, he has the freedom to express his opinions that are contrary to the goals and policies of the institution.

He cannot express those...

[afan]

Again, not so dramatic. "Kicked out of the club" is just that. Still working, still practicing if a physician, still teaching and doing research...

[afan]

Maybe not so dramatic.

No burning. Just removed from leadership....