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I posted my experience when I talked with them. What a waste of time. Sector weighting is ridiculous. Why not weight by state of origin. Or alphabetical. Or by coolest ticker. FUSEX would win that one.
Simple path to wealth seems right up your alley.
Jeez. Where are all the parents. Daycare is by far my largest expense. About 3-3.5k a month depending on schedule. Then mortgage 2.5k. That is a 15 year note. Then everything else on the CC about 3-4 k. Property taxes are another 15k a year. I also count the 1500 a month I put in the 529. It is saving to spend so spending. All comes out to lowish 6 figures.
Once I get daycare and the mortgage out of the way half of my spending goes with.
With the cap on SALT and the higher SD I am not going to Itemize this year. So maybe I should get a bigger house to save on taxes 😛February 8, 2019 at 12:09 pm MST in reply to: Will the New Tax changes + other stuff = slower home appreciation? #189313
I think PoF spends in that range. Have you been reading his posts and using his spreadsheets?
Walmart pickup. Shop with some clicks, swing by and call, they help load, drive away. Great when you’re with kids. Produce and meat I’d buy in person.Click to expand…
They also had the best commercial during the Superbowl in my opinion.
Keep in mind that if you are tilting to small and value you are most likely already overweighting real estate.
Vanguard’s small-cap value ETF is 12.6% real-estate, whereas the TSM is between 3.5-4%.Click to expand…
Good thing to think about because I hear a lot of people tilting that way.
I do not tilt. Unless you consider that i am tilting towards a national bias since I have 80% US and only 20% international.
I see tilting as another way of speculation. But it is a way that us indexers do not get up in arms about.
There is no reason to be so dismissive, condescending, and disrespectful.Click to expand…
If you think Peds is bad wait for FLP to come back.
Similar situation here. I was bitten by the DIY financial bug but I cannot get my wife interested at all. She allows me to make the decisions now and since she is naturally more frugal then I am everything has been working out well. However I would really like her to understand what I am doing because I think it is important. Just like informed consent. It is hard if the patient has a minimal idea what you are talking about but agrees because they trust you. It is a means to an end but it is much better if they truly understand.
Too complicated. I am 33. I put everything in VTSAX 80%and international 20%. I plan to add in bonds at 10% when I hit 40.
You can easily make the argument to have bonds now at our young age but I would do at least 10% otherwise it is needless complication with minimal benefit.
Good coffee and a clean bathroom.
Find a co-resident who is on outpatient who could cover you. This way when your coverage becomes an issue you are already prepared. Just have someone on the hook to trade weeks with. I am sure the other residents would not mind. I remember covering for issues like this all the time and they covered me when I needed it. My admin was cool as long as the work was getting done.February 6, 2019 at 6:17 am MST in reply to: Less than 1 day off for birth of child for resident #188505
As a “medical professional” we can submit a form to DMV directly. I do try to empower the family. The worst is when I get the phone call the morning of Dad’s appointment and their kid want to tell me how they are concerns but they do not want me to tell there father how I know he is having issues. I do strongly encourage family members to come to appointments to voice those opinions. But I do let them know there is an anonymous way to let DMV know as well.
I ask patients older then 75 if they are still driving and if they have any concerns about their driving. I get family members input as well since most people would not admit to it if they did. If I have real concerns our DMV will road test them.
It is not great but it sometimes opens up a door.