Personal Finance (Not Investing) • Re: Resident physician nearing the end and...
Welcome to the forum.Married to a MD.My concern would be burnout. I would not plan on moonlighting very much. And the commute would exacerbate that.What about call expectations?Also Id keep the...
View ArticleInvesting - Theory, News & General • Re: A Simple Bogleheads Retirement...
The Bureau of Labor Statistics has published the consumer price index for all urban consumers (CPI-U) for January 2024.We're interested to calculate an average CPI-U to associate with our forward test...
View ArticlePersonal Investments • Re: Heavy Value Tilt Away from Mag 7 stocks
In a lot of your post history, you state that what you're doing goes against Bogleheads philosophy, you're not a Boglehead, or you're doing trading that isn't a Boglehead technique. Why, then, do you...
View ArticlePersonal Finance (Not Investing) • Re: Can a employer-covered 401(k) charge...
If the plan requires your employer to pay all plan expenses, the onus is on your employer to pay the custodian and to instruct the custodian to reimburse all the participant accounts.Could there be...
View ArticlePersonal Investments • Re: Are we a good fit for Vanguard Personal Advisor,...
You are both 34. With a young kid. Enjoy life while you can. Save something for emergencies and retirement. But don't worry about it too much. As long as you are saving, you are probably fine.In your...
View ArticlePersonal Finance (Not Investing) • Re: High Salary (>$500,000) careers
Real estate private equity. I am a strong believer that you can make more in real estate per point of IQ / degree of hard work than you can in any other industry. It’s how people have gotten wealthy...
View ArticlePersonal Finance (Not Investing) • Re: SS benefits - apply online, BUT still...
A trip to the office was successful, but required about 2 hours of waiting because the line around the block was already really long 30 minutes before the office opened. Interaction with staff was...
View ArticlePersonal Finance (Not Investing) • Re: Foreign assets - IRS form 8938 and FBAR
Important note regarding the $10k FBAR threshold -- 1) If balance exceeds 10k at *any time of the year*, filing FBAR is required.2) The "balance" in (1) above is the sum total of ALL bank accounts,...
View ArticlePersonal Investments • Re: TIRA question (tax related)
Thank you both. Very helpful and informative responses!In fact box 13 of my wife's w2 shows nothing at all so I think that confirms we can contribute to both our TIRA's as long as we stay under her...
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Personal Finance (Not Investing) • Re: Quantifiable benefits of HELOC?
Debt is a tool. You can use it wisely or unwisely.Yes and I'm wondering if I need the tool in my toolbox at all.If it doesn't cost you anything to keep it open why wouldn't you want the additional...
View ArticlePersonal Investments • Re: Review of 3.5M portfolio and plan for retirement...
I would shift into dividend-focused ETFs, BDCs and CEFs and target a mixture that pays 5%-8% in dividends. This will generate around $110 of taxable income. Spend some and reinvest some.I am leaning...
View ArticlePersonal Consumer Issues • Re: [On-going Scams - Post them here]
FIL goes to his bank and thankfully told teller what money was for. Teller sent him over to talk to manager who saw the scam. Those bank folks are heroes in this story!Hope someone in your family at...
View ArticlePersonal Investments • Re: Retiring at 55 / Feedback requested
This won't impact any advice but I'm curious if yor healthcare expense is included in the $150k spend or incremental.Yes, incremental. Healthcare estimate is outside of our $150k spend.Statistics:...
View ArticleInvesting - Theory, News & General • Re: REITs vs Residential Real Estate
It sounds like wife and her sister have already decided not to sell the NYC apartments to take advantage of stepped up cost basis?Statistics: Posted by stan1 — Sun Feb 25, 2024 9:59 am
View ArticlePersonal Finance (Not Investing) • Re: [Using PayPal to pay bills and earn 5%...
...so I lost the one I really still used PayPal Bill Pay for. RIP PayPal Bill Pay.With the one remaining bill, I may still use PayPal, since paying that one directly with a credit card is also a...
View ArticlePersonal Consumer Issues • tipping shuttle driver ?
Booked a trip to Hawaii through Costco travel. Do I tip the shuttle driver that will take me from airport to hotel and then back to airport when I leave?Statistics: Posted by shell921 — Sun Feb 25,...
View ArticlePersonal Investments • Seeking practical advice on spending from a TIPS ladder
I've been wanting to establish a TIPS ladder to fund at least a portion of our baseline expenses in retirement but my spouse's resistance to the idea of having to manage anything more complex than our...
View ArticlePersonal Finance (Not Investing) • Re: Will SSA show me the actual calculations?
Thanks for reply.I assume your mention of "AnyPIA" refers to the SSA "Detailed Calculator" which must be downloaded/installed? I tried that and gave up. Maybe I should try again. . .The one in-person...
View ArticlePersonal Finance (Not Investing) • Re: Explanatory Statement for 2023 Return
Idea. Worst case, you could use FreeTaxUSA and mail your return(s). As a CYA, recall the advice is to use USPS and mail with "certified receipt" to prove you mailed by tax due date. I recall paying...
View ArticlePersonal Investments • Re: Rebalancing Roth IRA
Not really a fan of this Asset Allocation. Too much global exposure and too much real estate for my taste. But to each his own. I know everyone is different and your risk tolerance may be lower than...
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