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  • Dreamgiver Dreamgiver 
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    Status: Physician
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    Joined: 03/09/2017
    Earnest refinancing bonus

    If you give me your SSN and birthday I can look into this right now for you for free  😉

     

     

    in reply to: Lion Loans Scam #44656 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 893
    Joined: 03/09/2017

    I have the Littman Cardiology III, I use it every day (anesthesiologist), very happy with it. I have had it for 9 years.

    in reply to: stethoscope recommendation #44583 Reply
    Dreamgiver Dreamgiver 
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    Status: Physician
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    Joined: 03/09/2017

    Johanna, A friend of mine is very skeptical of the backdoor Roth. He thinks all it takes is an IRS bureaucrat who wants to advance his career and the IRS will come after everyone who contributed to a backdoor Roth with penalties and interest. I do not share his opinion. He even talked to his tax attorney and was told that the backdoor Roth does not pass the smell test. I am aware of the talks about this along the years. Anything I can tell him to appease his fears?

    in reply to: Don't give up on your backdoor Roth… #44363 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 893
    Joined: 03/09/2017

    Yes, you both get own occupation disability policies from one of the major companies. Group coverage is usually bottom of the line coverage, pretend you do not have it. I’d get up to the maximum they let you buy (usually $3500-4000/month for a resident).

    in reply to: Disability Insurance for Two Residents #44350 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
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    Joined: 03/09/2017

    Haha good for you! Depending on the month I work the equivalent of 1.5-2 FTEs. But I am young and hungry! I will slow down to 1.0 FTE in 5 years.

    in reply to: Going Part Time #44164 Reply
    Liked by Drsan1, Craigy, Zaphod
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 893
    Joined: 03/09/2017

    I tried doing it in the past and it did not work out for me. The reason was that the market was still somewhat depressed (2012), house was in a standard area, and the realtors hired by the buyers either would not come to show my house to their clients or would want their 3% cut anyway. Based on my limited experience, the way it would work is if you are in a highly desirable areas where houses go like hotcakes (like the houses sell in 1-2 days with multiple offers). Just my 2 cents.

    in reply to: Selling a home FSBO #44155 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 893
    Joined: 03/09/2017

    I’d compare it to your PSLF payments first of all. Not sure what your income is but student loan interest is not tax deductible for higher income households. Also, I’d do retirement contributions first and foremost since those are tax deferred. Basically with your plan you would not be taking advantage of tax deferment and will get rid of one of the few tax deductions. So Uncle Sam wins.

    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
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    Joined: 03/09/2017

    Had to do it several years ago to roll over my IRA from Raymond James to Vanguard. It was a major PITA since my bank does not do it.

    If I remember correctly Vanguard had a workaround.

    in reply to: medallian signature #44069 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
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    Joined: 03/09/2017

    I agree with you in theory. However, the risk of that might be that the head person becomes more of a dictator and the other partners loose interest and investment in what is going on and the group takes a dive. I guess it all depends on what kind of people you are dealing with.

    in reply to: Placing a Value on " On Call" responsibilities #43909 Reply
    Dreamgiver Dreamgiver 
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    Status: Physician
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    Joined: 03/09/2017

    I do not think his past should have anything to do with the current incident. I must say he played United really well though. They sure picked the wrong guy to mess with. Smart guy, he saw a chance and jumped on it, and United and the airport rent-a-cops fell for it big time.

    in reply to: Dr Dao and the United Airlines incident #43904 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
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    Joined: 03/09/2017

    One model I have often seen in several groups in my specialty (anesthesiology) is to have a rotating “president” who takes care of the admin stuff. No stipend for this, every partner is expected to do it, and it is one year at the time (best to stick with a heavily enforced rotating basis).

    in reply to: Placing a Value on " On Call" responsibilities #43848 Reply
    Dreamgiver Dreamgiver 
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    Joined: 03/09/2017

    Had this exact problem. Our solution was to max out my wife’s retirement contributions so now more than half her salary is tax deferred.

    in reply to: Preparing taxes via TT, owing 30K so far… #43548 Reply
    Liked by Craigy
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
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    Joined: 03/09/2017

    90% desktop, 10% mobile (mostly while on the throne)

    in reply to: Mobile? Desktop? #43319 Reply
    Dreamgiver Dreamgiver 
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    Joined: 03/09/2017

    you will get a rate in the 2-3% range if you go with a variable rate loan

    in reply to: Which option is better? (Loan repayment) #42937 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 893
    Joined: 03/09/2017

    Interestingly, I have been with StateFarm for the last 4 years and have had no issues with increasing premiums at all. I went with them after one of their customers totaled my car and they treated me very fairly.

    in reply to: Where do I start? #42772 Reply
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