Donating appreciated stock without using DAF?

[PreCancerDoctor]

Tandem road bike.

Decided we had used our Craigslist tandem enough to justify the larger purchase.

Then the pedals and the...

[PreCancerDoctor]

I don't think you can afford it
I do think it's weird for me to type that to a doctor earning 500K, but 26K is not enough wiggle room
...

[PreCancerDoctor]

There are a small number of hotels with a true 2-bedroom suite, meaning each bedroom has its own door. Little bit cheaper than 2 separate rooms. Usually...

[PreCancerDoctor]

@Objn: follow-up questions about your priorities:
I give you real credit for being open and honest. You're helping a lot of other readers.
...

[PreCancerDoctor]

Finally, it's my time to shine. I run a high-risk clinic.

It's not "just a blood test." With real respect to overworked PCPs and...

[PreCancerDoctor]

Limited info so far, but happy to speculate.

Are you solo? Would be difficult to create a new compensation model when you have partners on...

[PreCancerDoctor]

I'll play devil's advocate.

If you want to get (even more highly) paid, then I'll point out that if you earn 750K in an employed position,...

[PreCancerDoctor]

Schwinn IC4 bike with Peloton app on an iPad
heavy, well made, saves $1000

[PreCancerDoctor]

From someone a few years ahead of you:
If you delete the line “one year away from FI” and reread your OP, that may shift your perspective....

[PreCancerDoctor]

I would make the distinction between someone who is struggling to reach 25x expenses vs. someone who will likely save much more than that. If you're at...

[PreCancerDoctor]

I promise I'm trying to help, but this may come across as judgy.

Buying a house would make the next breakup (if it comes) more difficult,...

[PreCancerDoctor]

Spend $20 and have your white coat adjusted by a tailor.
It's funny how often you will see a doctor with expensive clothes and a baggy, billowing...

[PreCancerDoctor]

Is there a low-fee way to donate 5 figures of appreciated stock to a smaller charity that doesn't usually take stock?
Some kind of free intermediary?...

[PreCancerDoctor]

When we approached our FI number, I decided I didn’t want to feel like we would be forced to continue working if the market crashed. So shifted to include...

[PreCancerDoctor]

Would depend on how your current assets relative to financial independence number/how well you're doing overall, whether you plan on fully or partially...

[PreCancerDoctor]

Huge difference in lifestyles there.

1. 40K seems like a tiny difference. On the East Coast I might expect 1.5x or 2x for a hospitalist...

[PreCancerDoctor]

Just to mention, most of these colleagues and friends would qualify for cancer genetic testing based on modern criteria and technology.
So would...

[PreCancerDoctor]

You are a young person thinking like a young person. You are wise to seek counsel from some older and hopefully wiser folks here.

We lost...

[PreCancerDoctor]

I definitely vote sell and pay off

the fact that house #1 could rent for more than the OLD mortgage doesn't tell me if it could rent for...

[PreCancerDoctor]

I also liked the bond tent theory, however...

I don't think it applies once your portfolio passes 25-30x expenses. At that point the bonds...

[PreCancerDoctor]

Spouse has a Schwinn IC4. Solid, heavy, seems well-made. Peloton video subscription is way cheaper if you don’t have the Peloton brand bike. The new...

[PreCancerDoctor]

100% would do (at least for one of the states)
it's not that much money if the client is already an attending
several states are slow to provide...

[PreCancerDoctor]

Agree, planning way more than 25x expenses to support long retirement, to dampen the risk of a higher stock allocation (not 50/50), and to guard against...

[PreCancerDoctor]

Ages 42/40
current investments are 70% of FI goal (37x current post-tax expenses, fatFIRE), 75/25 and moving to 70/30
adding 10% of goal each...

[PreCancerDoctor]

Absolutely DO NOT pick a specialty just based on how much you THINK they make, or the average compensation from an internet search (which will have a...

[PreCancerDoctor]

Congratulations on being employable and almost employed!

A bit of perspective...the monetary difference is minimal
The two of you might...

[PreCancerDoctor]

Residence Inn SLC Cottonwood was nice

Hot tub, heavy hors d'oeuvres, free breakfast
Located in Salt Lake City just across the mountains...

[PreCancerDoctor]

The dead-eyed cynics among us would note that you don't grow and maintain a billion-dollar endowment by spending it to subsidize low-income students...

[PreCancerDoctor]

my parents and some scholarships paid for my very expensive education, and my wife covered her own costs - we have chosen to cover the costs of high-quality...

[PreCancerDoctor]

With young kids, I would vote for simplicity and just get a large new single 20-year policy rather than laddering multiple policies In my experience,...

[PreCancerDoctor]

If 100K is your number, I would suggest splitting the gifts for tax purposes Spouse: gives 15K this year You: give 75K this year, spread over 5 years T...

[PreCancerDoctor]

Dude, I have been researching this EXACT topic. Warning, long post ahead. My understanding is, you might expect 1% of the value of the property (purchase c...

[PreCancerDoctor]

Congratulations on the wedding and the job! You should know: you have made your peace with these debt numbers, because they're part of your life, but t...

[PreCancerDoctor]

I would query what he means by the kids "are set" for college. That money is not reflected in the summary.  University employee tuition benefit? 3 ki...

[PreCancerDoctor]

Respectfully, that's not the best fit for WCI. This song from Dee-1 is about about paying off student loans! https://www.youtube.com/watch?v=JqbXQa05Z6c   And the clean version...

[PreCancerDoctor]

Interesting.  I think the main concern is if you were ready/wanted/needed to retire early, the money would be locked up in these pretax accounts. 2...

[PreCancerDoctor]

Took lessons until I went to college I marked out the fingering for Journey's "Don't stop believin'" today 80's power chords...  ...

[PreCancerDoctor]

Should I be worried about altitude sickness?

We live 10 feet above sea level, and the slopes around SCL seem to be at 10,000 feet.

[PreCancerDoctor]

Very helpful - perhaps Saturday at Solitude to avoid some crowds and then Park City after that.

Keep the suggestions coming.

[PreCancerDoctor]

Now that you mention it, a little less crowded would be nice

[PreCancerDoctor]

We're used to riding the ice on the East Coast, but are thinking about heading west in February to see what real snow is like. 2 blue-slope snowboarder...

[PreCancerDoctor]

I think Upton Sinclair said it best - "It is difficult to get a man to understand something when his salary depends on his not understanding it." I...

[PreCancerDoctor]

@paigemart I worry that the content of these replies is getting lost in the tone of the replies. I see what you are trying to do, but I think the devil...

[PreCancerDoctor]

41 and 39 yo, probably < 10 years to FI but will not retire net worth 3M 30 year fixed rate mortgage, 4.5%, opened in 2011.  200K left on 600K.  fa...

[PreCancerDoctor]

Hi all, Have paused taxable investments for a few months (still maxing pretax/Roth) and diverted that money to the mortgage for the past 6 mo. Now ...

[PreCancerDoctor]

Good points, all.  I've been wrestling with this.  Still several years away from FI. @Zaphod: I take it you do not subscribe to the "mortgage as a negati...

[PreCancerDoctor]

Field: Hematology/Oncology Years in practice 6 Best part of job: So many.  Taking someone through adjuvant chemotherapy and curing their cancer.  Of...