Forum Replies Created
I won’t comment on you AA or desire to change to bonds. But the tax consequences of selling in a UTMS depend on your basis and the amount. Tax GAIN harvesting often makes sense since the first couple thousand of gains in a UTMA are tax free. You can essentially harvest some gains tax free and increase the basis by rebuying. If you have a gain that exceeds the limits it’s taxed at estate/trust rates after the trump tax law and no longer taxes at parental rate, which is very nice.
You have a small amount of loans (in a relative sense) and a huge salary. Your post screams “crisis” and I see no such thing. If you’re making 500k year 1 you’re clearly in a very high paying field, especially if you jump to $750k in 2-3 years. If you live like a resident/fellow you can have those loans paid back fairly easily in 2 years. Stop kicking yourself for past mistakes and refinance/pay off the loans!August 15, 2019 at 1:34 pm MST in reply to: 5 years in PAYE and no plans for PSLF what is best option now… #239213
Just pay the $28. I know you want to stand on principle but it’s a nominal amount to potentially protect your credit.
If rates fall further (more negative) you sell the bonds for a higher price. Bonds are far more complex than simply looking at the yield. Few people are buying negative bonds to hold to maturity. The bund (as an example) is somewhere around -.6%. If you had bought that at -.2% you can sell it for a profit.
1 hour of detailed personal questions with a hefty fine for non-completion? Defenitely sounds like US government. Was it sent certified mail or regular mail? If regular I think I would just ignore it (but with the disclaimer that I haven’t received one – and it’s possible I would chicken out and actually do it). If certified mail, your ability to ignore drops precipitously.
I can (I guess) imaging him blending in with other residents for a while. But how can he date/marry someone without being exposed? Like how does he explain not getting paychecks? Did he pretend to go to work every day while married?
You are making me feel inadequate. Likely others too. When my wife delivered…her gift was a baby. Now x 3.
I’m very curious about @fatlittlepig’s numbers
I can’t handle the font.
I can’t imagine doing this. If no physicians agreed to do so, peer to peer would vanish. As it stands, some physicians are willing to accept nominal compensation to be a roadblock to patient care.
I would let term life insurance expire once FI, but might keep disibility insurance a bit longer. My thinking is, if dead, I would have no ongoing expenses. But, if disabled, my costs might go up depending on the severity beyond current FI spending levels.
In fairness to EMD, cloud computing and IT service sector funds could meet those historical 10 year returns. I’m a fidelity guy and just glancing at some sector funds, FBSOX is over 20% annualized for the past 10 years. I’m sure cloud computing would be even higher.
Not counting mortgage? 13k. 5k of that is childcare. Maybe more. Adding housing brings it to over 20.
Derm remains the one oasis in a desert of crap.August 2, 2019 at 1:26 pm MST in reply to: M4 debating specialty switch to EM, not sure I'm cut out for shift work #235851