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[LIFO]

Agree with Kamban above. There's a lot you can do with family without living next to them. My wife was first generation to US and grew up with all of...

[LIFO]

You can always trade your time for more money. You cannot buy more time....

[LIFO]

Live in SoCal here. In the past 12 months, my house has made more money than I have. That's obviously not sustainable long term but helps explain the...

[LIFO]

1. You seem to be really good at investing your money. Why dramatically change asset allocation now?
2. Living next to the beach has other tradeoffs...

[LIFO]

The price of a home (or any real estate) is broken into two things.  The land and the improvements (the building).  The land is the only thing that...

[LIFO]

Haven't seen this link posted yet: https://www.whitecoatinvestor.com/double-your-income-primary-care-physician/ Definitely worth the read for you.  If you're to a point where you enjoy your work but are ...

[LIFO]

Typing while talking is a huge contributor to note bloat.  I firmly believe you cannot consistently write a concise HPI while you're listening to the...

[LIFO]

Narcan

[LIFO]

I'd take a cool older Porsche but not many of those available for 25k.  Otherwise, buying a good sports sedan as your primary vehicle would get you 90%...

[LIFO]

Best way to mitigate risk is to buy the house you want to stay in for the foreseeable future.  Buying a starter home exposes you to market risk if you...

[LIFO]

Get off the treadmill and reassess.  Here's an uniformed idea from someone random on the internet:  You should quit your job.  Move near your husband's...

[LIFO]

StarTrekDoc wrote: Lordosis wrote: If you spend lavishly and bank on Medicaid for long term care the facility you will be stuck at is punishment enough. Click to expand… +1.  I can safely say that th...

[LIFO]

Lots of interesting philosophical and ethical questions worth debating.  The big monetary/policy question is being missed.  If there is an entire generation...

[LIFO]

Reading this thread just makes it very clear how valuable fielding a competing offer is.  The egos and toxic maneuvering just goes away when you say...

[LIFO]

Scopemonkey wrote: LIFO wrote: The truth of the matter is that one can learn anything they want with a library card and a youtube account.  All you really need is a syllabus and som...

[LIFO]

The truth of the matter is that one can learn anything they want with a library card and a youtube account.  All you really need is a syllabus and someone...

[LIFO]

My wife wants to murder me if I spend the afternoon on the couch.  I dream of FIRE but in reality the RE would go over like a lead balloon.

[LIFO]

Don't know if it works.  But I'm not going to poo-poo on it either.  The stuff that's shilled by the pharmaceutical reps for anxiety/depression/pain...

[LIFO]

Any rhyme or reason for the 148 stocks?  If you've eliminated the churn (by firing the advisor) and have broad sector diversity you may not need to sell...

[LIFO]

At your age, you aren't going to keep a compact SUV for 10 years.  You will want something bigger in less than 5 years - likely 3.  If you're buying...

[LIFO]

You drive over 30k miles per year?  Holy moly.  Yeah, you would get murdered on mileage fees if you did that.  You can generally lease up to 15k miles...

[LIFO]

Contrarian opinion: Educate yourself and then invest however you see fit.  If you make your own decisions you will constantly evaluate what works and...

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[LIFO]

New job, new location, new country?  Stay flexible and lease. Lots of lease support out there these days (at least in the US).  You could probably get...

[LIFO]

If you go to the bank and apply for a loan, they will let you know how much they are willing to lend you.  Once you have that number, you can go house...

[LIFO]

You actually don't own most of your investments. Even if you buy individual equities, your broker entity owns them and your brokerage is listed as the...

[LIFO]

"I don't think there's too much to worry about but I am going to send you for some tests. If it's all negative, I'll send it on to your PCP for her review. ...

[LIFO]

From what I've seen, management does not want the hospitalist team to drive change.  Attitude is generally "Be quiet. Do your work. You're replaceable." ...

[LIFO]

nephron wrote: Thank you, the survey results were interesting although limiting.   Having an ‘n’ above 300 seems impressive for a forum informal survey.   The household income ...

[LIFO]

You aren't missing anything.  A lifetime of disciplined earning, spending, and investing has benefits.  Enjoy them however you see fit. As far as f...

[LIFO]

Just a hint of practical advise: If you have been assigned Navient as your loan servicer, you can apply to enroll in PSLF to have your servicer switched...

[LIFO]

Rock solid diversified company with a fortress balance sheet and a deep bench of skilled investor leadership.  Buy more.    ...

[LIFO]

It looks like a lot of cash flow is coming from rental income.  What does your RE proforma look like?  Do you account for replacement reserves in that...

[LIFO]

You're gonna have to fill in some gaps because something is missing in your story.  From what I understand, you're a procedure guy but the procedures...

[LIFO]

Is the Sienna AWD?  What is wrong with the rear dif?  What were your symptoms? The Sienna is a FWD biased car.  If the rear-dif is going out and you...

[LIFO]

ENT Doc wrote: Wulfman wrote: This amounts to about the same as a 4.5% rate of return compounded annually had I just invested that $1000 (not factoring taxes).  Click to expand… This is the...

[LIFO]

I don't like to buy the indexes when the market is expensive.  As the market as a whole gets more and more fragile (ie expensive), I have a much easier...

[LIFO]

I've struggled with this as well, especially for muni bond funds.  There are some high performing bond funds with high expense ratios.  Not sure if...

[LIFO]

Perhaps someone more informed can chime in here: ECT has been a cornerstone of treatment resistant depression because it generally works - although ...

[LIFO]

Sorry to hear you are going through this.  I am not advocating a litigious approach but isn't adultery a crime under military law?

[LIFO]

I own a fair amount of BRK.  It's my largest holding.  I have a few reasons why I hold it versus indexes.  Not sure if they are really just rationalizations...

[LIFO]

Option #1: Apply for PSLF and get loans transitioned over to myfedloans.   Make minimum REPAYE payments.  Do not consolidate.  If you have excess...

[LIFO]

Kamban wrote: Zaphod wrote: Trader Joes sells good cheeses for very reasonable prices. Brie can get spendy, but so very good.  Click to expand… Since this is a cheese crowd let me ask this que...

[LIFO]

"But in terms of business mistakes that I've seen over a long lifetime, I would say that trying to minimize taxes too much is one of the great standard...

[LIFO]

"My Equity Holdings (currently about half websites, half real estate): 84.84%" How much of this is WCI website?  Amazing work on your part but also no...

[LIFO]

For you: - Cash out retirement accounts and pay down credit card debt.   This is counter to almost all advice out there but I think its the right m...

[LIFO]

Things I would tell my 22 year old self: Think smart then work hard.  The order of operations in that is not to be overlooked. Take care of yourself....

[LIFO]

  familydocPA wrote: LIFO wrote: FM sees a lot of single problem patients. Click to expand… Lol… I don’t think I’ve seen a “single problem” patient in years Click to expand... Form...

[LIFO]

Tell them you want $75/wRVU and that you will build out your practice to suit your workflow.  The $30/wRVU is an insult to the medical profession and...

[LIFO]

I also know a few people who hit it big time when they were younger.  The excitement fades and you still have to fill your days with something that revs...

[LIFO]

Sounds like your typical major city hospital trying to get the cheapest labor possible.  There is a lot there that is concerning for sustainability and...

[LIFO]

Vagabond MD wrote: wonka31 wrote: Vagabond, Eddie Lampert disagrees. Click to expand… That’s Sears in the 2000’s. In the early 1900’s, Sears was revolutionizing the shopping experience, much in the way that Amazon has in th...

[LIFO]

Walmart.com has upped their game and worth checking out for those who don't want to pay for prime.  Free shipping on orders >$35. We use prime a bun...

[LIFO]

Interesting perspective:  Total market (as measured by the Wilshire) has lost approximately 5 trillion in the past 3 months.  That is the size of the...

[LIFO]

The short version is that for any non professional finance type, buy and hold indexes or no load mutual fund is the only sure fire way to not get fleeced. ...

[LIFO]

If you're in the market for a new car and are flexible on what car you want, leasing can make a lot of sense.  Leases can get far more subsidy support...

[LIFO]

Kamban wrote: I don’t know what you can get for $200 lease     Click to expand... Then they obviously must not exist......

[LIFO]

Selling options is not smart. Learn from this guy (can fast forward to about minute 6): https://www.youtube.com/watch?v=VNYNMM0hXXY...

[LIFO]

MPMD wrote: This all makes sense for a new grad who has decided not to live like a resident and basically wants a new car. If you are committed to driving a late model car right out of re...

[LIFO]

As a new attending, I will advocate for a lease that is properly negotiated.  You need reliable transportation now. With a lease you get: Limited risk -...

[LIFO]

When thinking of money in these matters, think of how money can empower you to live a more fulfilling life.  Working solely for money at the expense...

[LIFO]

Interesting question.  I'm guessing the wishes of anyone who would gift gold are for you to hold onto it in case of financial (or run of the mill regular)...

[LIFO]

Jim, allow me to educate you.  You see, if a company goes to the bond market and issues a lot of debt at a low interest rate and then through the magic...

[LIFO]

Nice work.  Unfortunately, you now have more to lose than you stand to gain.  That creates a very difficult psychological situation for someone who...

[LIFO]

We use it.  Because of progressive tax system, its more beneficial to a high earners than low earners.

[LIFO]

There is a lot of danger in these movements.  If we have the financial independence to work when we want, we can demand more pay and better work conditions. ...

[LIFO]

I would challenge the assertion that primary care is easy.  Maintaining a working knowledge of all organ systems, treatments, and therapies is difficult. ...

[LIFO]

Just watched part 1 of the Facebook special on Frontline.  Admittedly, I am a skeptic that Facebook can sway elections and manipulate people to act in...

[LIFO]

jfoxcpacfp wrote: LIFO wrote: Some people online were commenting about getting ads for things that came up in a conversation within earshot of a computer micro...

[LIFO]

FB also owns WhatsApp and Instagram which have a younger user base.  These platforms are not as well monetized as facebook. I bought some (admittedly...

[LIFO]

The nature of compounding is such that the goal of dying with zero dollars is exceedingly difficult.  Once your expenses are met, your savings can reach...

[LIFO]

So what happens if we get inflation that is caused by something wholly different than loose monetary policy?  If products increase in price by 10% because...

[LIFO]

CM wrote: For the next 72 hours he can plan all of the wonderful things he will do with the money. This for the bargain price of $2. A Frappuccino is more than $5 and doesn’t last ...

[LIFO]

Glad to hear you are no longer hostage. It sounds like it was a bad situation.  Any thought to using your FI freedom to effect change from within the...

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[LIFO]

If you find no way of getting that last 16k, I would start a gofundme page. If you can clearly prove who you are and how you ended up here, I think the...

[LIFO]

Can someone who is at or getting near PSLF clarify the issue with eligible loans?  Sure, that information is available now but its my recollection that...

[LIFO]

"Even relatively safe investments entail some probability, however small, of downside risk. The deleterious effects of such improbable events can best...

[LIFO]

When the chief accounting officer quits after one month on the job, that's a stock I don't want to own.

[LIFO]

CFEonline wrote: Thanks for your comments I appreciate the input! LIFO wrote: This means they are exceptionally reliant on access to the debt market and are very sensitive to interest rates.  The upside ...

[LIFO]

Put your car on Turo.  You can turn it into an income stream.  If you don't have time for that, sell it.  Even if you can go 6 months without a car,...

[LIFO]

I am a bit of a contrarian.  So take my opinion with a grain of salt. I Like your total stock, small cap, REIT exposure, and no bonds decision.  Internati...

[LIFO]

Seeing and experiencing are two different things.  If you want to see the sites and move on, you could definitely do both.  If you want to experience...

[LIFO]

High starting salaries, guarantees, signing bonuses are usually just loans.  They don't come without the golden handcuffs.  Read the fine print. P...

[LIFO]

Drop Out Club is another one.  They have a forum that is worth sifting through for some perspective.  I would not recommend looking for non-clinical...

[LIFO]

Not a big fan of LED.  Too harsh, motion blur, frame rate issues, etc.  OLED looks great but still way too expensive.  I still really like the look...

[LIFO]

This may be obvious, but you also need to check for portability.  My understanding is that most employer groups plans are not portable. So if you lose...

[LIFO]

Similarly, I'm curious about what the thought process is for people who are high earners but also heavily in debt - with regard to giving.  I'm of the...

[LIFO]

I would question the assertion that cardiology pays significantly more than critical care.  It can, but that doesn't mean it does.  If you do interventional...

[LIFO]

Here is an example of a good journalistic debate: https://theintercept.com/2018/07/16/a-spirited-substantive-debate-on-the-trumpputin-summit-russia-and-us-politics/ So rare, I felt the need to share....

[LIFO]

Take a deep breath.  You won't know squat the first couple of months.  You're expected to not know things in the beginning so utilize it and ask all...

[LIFO]

Unadulterated sycophancy.

[LIFO]

bean1970 wrote: I’m quickly becoming disenfranchised from some of the groups. Someone posted something about buying a stock…since I have nearly all stocks, between my husband and we ...

[LIFO]

Hank wrote: Roentgen wrote: Would like to hear what everyone else thought went to pot with The Economist.   Click to expand… The Economist has been opposed to the Second...

[LIFO]

Vagabond MD wrote: Now that the White Coat Investor Facebook Group is in full swing, along with the Physicians on Fire and Doctor Money Matters groups, my Facebook feed is filled ...

[LIFO]

I will say that I think a good way to keep an eye on the "true" state of affairs is to consume a lot of business news and keeping a close eye on fixed...

[LIFO]

Among an educated group of people who have some familiarity with evidence based practices and the scientific method used to draw conclusions, I am very...

[LIFO]

Dreamgiver wrote: I agree with Cosmo. I am sure they will put you on a payment plan if you ask and you might even get a bigger discount if you offer to pay cash now. Can try asking fo...

[LIFO]

If you go with option #2 and it doesn't work out, you live to tell the story.  If you can pound the pavement and live light for a few years, it will...

[LIFO]

Transaction costs on cars are significant (destination, registration, sales tax, title, etc) so I would think twice about swapping for something new unless...