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It might or it might not be a breach of contract. That’d be a question for a lawyer, but you’d have to pursue legal action to get anything done (or at least bring it to attention but i doubt anything would be done about it). If you’re not compensated or it’s too much, the best course of action would be to leave.
The premium will save $480 and the hsa tax savings will save roughly $2800 in that year alone, so if you can manage under that much in healthcare, the hdhp is still the best choice. Most preventative stuff is covered anyways.September 18, 2019 at 3:34 am MST in reply to: How much is an HSA worth when choosing Health Insurance plan? #246845Liked by ENT Doc
You can buy the car. You’re in a good financial position. I’d see how much difference the same van a couple years older costs, but Hondas and Toyotas tend to keep their value, so maybe not a lot less.
Still max the 401k and use what good funds are available. You’ll need to re balance across all your (and spouse’s, if applicable) accounts to reach a reasonable allocation most likely.
My guess is that the John Hancock fund itself is 0.83% net ER, but in the retirement account, a portion has been waived, hence 0.34%. But I’m not certain.
Well, you changed jobs, so there may be some moving expenses. Still probably have the K-1 but no delay from new tax law. I’ll go with a nice cool $2000.September 9, 2019 at 8:05 pm MST in reply to: Guess how much I will pay for tax preparation for 2019 (in 2020) #245002
It depends on your expenses now and in the future. Also your salaries play a big role, which you haven’t disclosed. Since you’re in a HCOL area, that seems light. But your salaries may be such that you don’t need any for her (but i doubt that’s the case).
Yep, just keep on going with the federal loans for pslf and throw all your money at the private ones. Ask them to recount.
It sounds like you need to vote on a new board. If you start grumbling to others, they may have the same concerns over direction. We have a similar setup and at times i feel like this happens in our group. Not to this extreme. You just have to overcome people’s inertia to change. A change of leadership from time to time can be very beneficial.September 4, 2019 at 7:05 pm MST in reply to: Private Practice Conundrum – in seek of some sick wisdom #243810
No because I’m not a psychopath
I see a 0% chance a bill like that would get passed anytime in the next 5 years. For all financial planning, I always consider the laws that are currently in place and not on any potential legislation, especially bills that are just a twinkle in one politician’s eye.
I have a hard time believing the closing costs of a mortgage will outweigh any interest deduction over a short time frame versus just a student loan refinance. I doubt you would get tax benefits from either scenario.August 30, 2019 at 3:24 pm MST in reply to: First mortgage to pay off student loans? Wise or dumb? #242783Liked by SLC OB
Could you not refinance your students loans for a lower rate than even the mortgage? Or at least comparable? My student loan rate is lower than my mortgage, but my balance is low and my income higher.August 30, 2019 at 10:49 am MST in reply to: First mortgage to pay off student loans? Wise or dumb? #242732
I’m in path, so while i can’t comment on specific clinic issues, we are the king of efficiency in medicine. When looking at turnaround/turnover of rooms, you need to break it down by steps via a workflow analysis. Clinic workflow generally goes registration, intake/vitals/rooming, physician visit, discharge, and room turnover. You may have more or fewer steps. You need to time these and see where any inefficiencies are. You may find something as stupid as moving the scale saves a minute per patient. Are half your patients showing up late? Do the patients have stacks of paperwork they could finish in the room? Maybe the nurse is too busy picking up trash in one room to go get another patient. All of these little things can add up, such as 3-4 minutes per patient and 50-100 minutes per day. Remember, the pursuit of efficiency has no end, so it’s more like a death march.