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  • Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    Former California medical business owner here. While this can be done on your own, I don’t think the $500 is that bad to make sure the paperwork is done right.  The laws regarding corporate structure and filing in California are byzantine and not getting any better.

    in reply to: S-Corp "maintenance annual fee?" #248473 Reply
    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    I use Hiya too, and NomoRobo for my home land line.  It cuts down a lot on them.

    in reply to: Robo calls #245307 Reply
    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    I am with FRB personally as are the accounts for my businesses.  Service is absolutely stellar.  Only comparison I can make is when I was a county employee we had a sizable credit union which was this good.  The trick would be finding one with good e-services and apps.

    in reply to: Banks Similar to First Republic Bank? #196844 Reply
    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    We’re with FRB.  My wife is a psychologist and refi’d her student loans in November, we got 10% requirement for deposit.

    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    I have 2 businesses with EF and they are fantastic.  Low costs, great customer service.  We’ve compared to other plans but all have been more expensive.

    in reply to: 401k plan for small business #179356 Reply
    Avatar nwdpath 
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    Posts: 22
    Joined: 05/10/2017

    I think it is more a matter of life balance (intellectual stimulation/money/generosity with your gifts).  Your skill with kids and putting them at ease is a huge benefit to your patients and people in general.  Good karma! People probably love you and as a dentist that’s rare!  Can’t put a price on that.  I still remember the name of my pediatric dentist all these years later.  And I say that as someone who works in pathology who comes from a long line of crabby dentists with poor bedside manner.

     

     

    in reply to: Golden Handcuffs #136238 Reply
    Liked by dentoid
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    Sacramento housing is MUCH more reasonable than the Bay Area, so if there is any way you can target that, you will be in a better position I would say, as a transplant from the Midwest myself.  I have lived in Sacramento and the Bay Area and honestly Sacramento is a more “sane” place to live, for many reasons, but also financially 🙂 Naturally, I am insane, so I lived in the Bay Area.

    in reply to: Moving from PA to CA ? #118164 Reply
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    I get this is a difficult experience, but I think you will be OK.  I work in California, and I think you would be able to find work out here as long as you haven’t lied about anything during this ordeal.  We have hired doctors who had “stupid” stuff in their history but as long as they were forthcoming about it and willing to answer questions (this requires humility and patience), their background check is usually approved.

    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    I’ve done truecar a few times as well (for personal and corporate vehicles) and have yet to have a bad experience.

    in reply to: Buying Cars by Email: Any Recommended Strategies? #112691 Reply
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    I have worked with both Fidelity and Vanguard– I’d say Fidelity has better customer service and Vanguard has better funds.  I have my accounts at Fidelity and buy some of Vanguards funds there.  Weird, I know.

    Click to expand…

    Yeah, esp since they charge like $75 a trade for anything starting with V.

     

    Click to expand…

    For mutual funds, yes there is that draconian $75 charge. I buy ETFs to avoid that (standard trade fees apply, and aren’t free like Ishares).  I wish ITOT was closer to VTI 🙂

    in reply to: Thoughts on Fidelity #112414 Reply
    Avatar nwdpath 
    Participant
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    Posts: 22
    Joined: 05/10/2017

    I have worked with both Fidelity and Vanguard– I’d say Fidelity has better customer service and Vanguard has better funds.  I have my accounts at Fidelity and buy some of Vanguards funds there.  Weird, I know.

    in reply to: Thoughts on Fidelity #112075 Reply
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    I have 2m in coverage and its $350/yr.

    in reply to: How much umbrella insurance do you carry? #100121 Reply
    Avatar nwdpath 
    Participant
    Status: Retired
    Posts: 22
    Joined: 05/10/2017

    I just looked at plans last year for me and my wife– really spent time sifting through the options.  I decided that the plans offered right now just aren’t good enough to invest in.  My sense is the industry is in trouble just as described in the WSJ article.  We opted to just self insure which for us meant kick more in to our taxable account and be done with it.  My hope is that the industry will work itself out, probably with the hybrid products.

    in reply to: Long Term Care Insurance article in WSJ. Thoughts? #98256 Reply
    Liked by hatton1
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    I own a practice that is involved in some medicolegal consulting.  I have to say largely it is not easy money and depends on your patience for lawyers.

    in reply to: Anyone moonlight as an Expert Witness? #88124 Reply
    Avatar nwdpath 
    Participant
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    Joined: 05/10/2017

    I live in Oakland and rent.  I love where I live and will stay here for a few years at least.  I don’t think I could sleep at night buying something over 2m, even being able to afford it. Its hard to imagine seeing people come in and offer 20-40% over asking on fairly unimpressive houses only to tear them down– lots of crazy stuff like that going on in Oakland specifically.

    in reply to: help figuring out housing/life the bay area #81854 Reply
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