Menu

Drop it into MD

Home Drop it into MD Replies Created

Drop it into MD
Message me
You have new message! Drop it into MD

Forum Replies Created

  • Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: personal capital #190054 Reply
    Liked by Tangler
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    Simple path to wealth seems right up your alley.

    in reply to: Best hands off investing option #190052 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: Any relatively low spenders out there? #190050 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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 😛

     

    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    I think PoF spends in that range.  Have you been reading his posts and using his spreadsheets?

    in reply to: Any relatively low spenders out there? #189312 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: Instacart #189267 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    I think that guy lost.

    in reply to: This is huge for those getting 199A #189157 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: Are Reits a sector of the market? #188989 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: Cryptocurrency. #188984 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018
    Splash Refinancing Bonus

    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.

    in reply to: Spouse Involvement #188982 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: Asset Allocation with Increasing Bond Exposure #188756 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    Good coffee and a clean bathroom.

    in reply to: Doctors lounge update #188506 Reply
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018
    Earnest refinancing bonus

    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.

    in reply to: Less than 1 day off for birth of child for resident #188505 Reply
    Liked by Hawkeye225, Kamban
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: What makes a good surgeon? #188504 Reply
    Liked by AZPT
    Drop it into MD Drop it into MD 
    Participant
    Status: Physician
    Posts: 440
    Joined: 09/20/2018

    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.

    in reply to: What makes a good surgeon? #188371 Reply
    Liked by AZPT
Notifications Mark all as read  |  Clear