Discounts for Health Care Workers White Coat Investor
50% off on select items on thenorthface.com and at The North Face owned retail stores in the United States. 10% discount on non-clearance items at outlet stores. Helly Hansen. 50% off. ASICS. 40% off. Adidas. 30% off. Boden. 20% off plus free shipping on orders over $49. Merrell. 20% off footwear, accessories, and clothing. Nike. 20% off
Actived: 1 days ago
The Story of The White Coat Investor Part 2 White Coat
For the next 4 days, it can be purchased for 10% off by clicking here and entering coupon code “WCI” at checkout.] This is part 2 of a three part series where I tell our “origin story.” If you missed part 1, I suggest you read that first. We left off yesterday at the end of medical school, where we'll pick up the story again… Residency
$5 off book Amazon
I just got $5 off WCI Financial Boot Camp book on Amazon. It was a coupon code that flashed as I was paying and didn't appear to have strings attached. Hopefully I won't find out that I have signed up for a copy of this book to be automatically shipped to me q month.
How to Get Discounts On Your Physician Disability
So if an agent can sell a woman a unisex policy instead of a gender-specific policy, that “discount” can be worth 15-30% off. Bob Bhayani said this about unisex rates: Discounts vary from company to company; they can range from 10% to 30% on gender distinct rates and nowadays, in few cases, unisex rates.
Why I Don't Go For 0% Financing Deals (Anymore) White
A typical “0% financing” deal on a new car is really only a 0% financing deal for the best of the best. You know, 800+ credit scores etc. Maybe that's you and maybe it isn't, but it's critical to realize that the vast majority of people who go in there to get that 0% deal come out with 1%, 2%, or even 5% financing, not 0% financing.
Inheriting a 401(k), IRA or HSA White Coat Investor
The coupon code is “5,000 SALE”. And the reason why we're using that code is because we've sold 5,000 courses. So, we're celebrating that by giving a discount on the course, it's a $50 discount. That's 5000 cents off the course if you buy it between …
When Is a Warranty a Good Deal
Frequently on fatwallet.com and slickdeals.net in the hotdeals forum there are coupons for significant percents off. This company also seems to have a good track record with the fatwallet and slickdeal community and if anyone is going to game the system, it will be folks from there. While i enjoy finding a good deal, some of the lengths those
5 Questions to Answer Before Buying Individual Munis
There are thousands of different issuers, coupons, maturities, and call structures. While regulations mostly ensure you will never get totally ripped off when buying and selling munis (I’m defining “getting ripped off” as being charged more than 5% of true market value), it’s …
22 Things Dave Ramsey Gets Wrong (and Right)
Then we have regular expenses which we keep very low. We don’t keep up with the Jones, we use coupons, our family of four spends under $400 a month on groceries, etc. If we took our emergency fund and paid off the medical loans, we’d still be 70k in debt and be in trouble for 90 days before DI kicked in.
WTF Millionaire Next Door
As recommended, I've been trying to read more financial books. I'm about halfway through Millionaire Next Door and. I just can't even with this book. Was it originally written in the 1950s or something? It thinks that for me to get wealthy I'm supposed to spend my days clipping coupons while my husband toils away at his job. All of the millionaires profiled are men. The only women profiled
How and Why I Retired At 53
However, I still live off of a salary > 90% of americans and have some money left over for vacations, toys, hobbies, etc. We as physicians can definitely retire early if we want to. We make more money than the vast majority of americans, but many physicians feel the need to spend too much money for whatever reason.
Fire Your Financial Advisor Course UPGRADE Plus CME Option
Instead of having to pay the regular price of $799, between now and February 22nd, you get all this for just $699, a discount of $100 (use coupon code WELLNESS100). As usual, there is no risk to you. You still get a 1 week, no questions asked, 100% money-back guarantee so long as you have not taken more than 25% of the course.
Yes, Residents Can Save For Retirement
That extra million dollars will produce an additional $40,000 a year for the rest of my retired life, if withdrawn at the recommended 4% per year. I traded a few thousand dollars a year during my five years of residency to have $40,000 a year during my possibly 30 years of retirement. That’s an extra $1,200,000 of retirement income.
9 Ways To Increase Your Investing Return
For example, let's assume you improve your investment return from 5% real (after-inflation) to 7% real. Assuming you're saving $50K a year over 30 years, that means you end up with 45% more money—$5.1M versus $3.5M. Or, alternatively, you could end up with the same money, but retire 4 1/2 years earlier. Or, you could save 32% less ($34,000 a
I never imagined I would consider an AmEx Platinum Card
My younger, quite financially disciplined self carried only no fee credit cards and we always paid them off every month. I tended to prefer to cash back cards as I value simplicity. These days we have reached FI but I am still working. So we often look for ways to splurge and have fun. Our biggest splurge has been on some
How frugal are you. Teach me thy way.
1. Use coupons if they are for something we genuinely use. 2. We never buy from a bookstore. There is the library which has up to date and amazing books, videos, eBooks, magazines.. 3. We always shop around for the best gas prices. 4. I grew up with parents who were always making us kids aware of turning off lights.
How Much Car Can You Afford
But any of our courses, they are 10% off through the 12th and you can go check them out. Just go to whitecoatinvestor.teachable.com and use coupon code WCI JULY 10. That's how you get the discount – WCI JULY 10. Dr. Jim Dahle: All right, today, we're going to talk about cars.
Travel Hacking 101: How to Travel the World for Free
1) Cents per point. To calculate you take the cost of the flight or hotel stay divided by the points redemption. For example, if you could pay $2,000 for a flight or redeem for 60,000 miles, your cents per point would equate to 3.33x. That is a very good redemption. I …
WCI Online Courses White Coat Investor
It also offers 10+ hours of CME or Dental CE Credit, so you can use your CME funds to pay for it or at least write it off as a business expense. No risk here. It comes with a 1 week, no-questions-asked 100% money back guarantee if you have watched less than 10% of the course. Enroll in Continuing Financial Education 2020 Today! WCICON18
A Budget Without Payments White Coat Investor
General Peds with sahd hubby. Married 21 years. We are 45&46. House paid off in 7 months. Vacation condo paid off in 12 months. Student loans paid off since 2003. Cars paid off. Never had credit card debt. 2 kids in private middle school. A ton of savings- so close to financial freedom. It can be done on a pediatrician salary.
An Appropriate Amount of Investing Risk
One of the best ways to lower the amount of risk you need to take is to save more money. Saving more of your income now has a double positive effect on your portfolio: Not only does it grow faster but the amount of income it needs to provide you to maintain your pre-retirement lifestyle is also lowered. Consider an investor who makes $200,000
The Best Credit Card For Gas
Another 5% gas card is the Sallie Mae 5% gas up to 250 bucks per month, 5% off groceries up to 250 bucks per month, 5% off books up to 750 bucks per month, and one percent limited on anything . Since my car runs electricity and gasoline, I really don’t buy much gasoline anymore unles I go on a superlong trip.
Taking Surveys To Make Money
When I was a resident, one of the junior residents asked me if I was interested in making $125 for 45 minutes of work. He had received an invitation to complete an online survey, which would have paid him $250 to answer various marketing research questions regarding various prostate cancer treatments. Thinking he could make $125 for doing
Solo401K: Which Vendor if want to do MBD Roth
Discount Solo 401K ($250 set up fee after $325 coupon code and then $125 per year) Solo 401K By Nabers Group ($399 set up and $99 per year) MySolo401K ($425 set up and $125 per year) Rocket Dollar ($360 set up and $180 per year or for "Gold Service" $600 set up and $360 per year) Am I missing any other companies that I should be consider? Thank
The Hidden Costs of a Dual Income Household White Coat
If this applies to you, you can whack another 10%, or $4200 off that salary. 3) Childcare costs. I've got three kids, only one in school all day. So childcare costs for two in my state would average $11,640. I'm going to knock 1/4 off of that since a teacher …
What's the Best Age to Take Social Security
To calculate combined income: take adjusted gross income + half of social security benefits + nontaxable interest (such as municipal bond coupons). Most high-income earners should assume they will have up to 85% of their social security taxed, as is the case for both SS62 and SS70.
Investing in Bonds -- Back to Basics White Coat Investor
To advertise a higher yield. High-yield bond funds do a similar “trick.”. They pay a high yield, say 8%, but then the value of the investment goes down by 2 or 3% a year due to defaults of the underlying bonds. The yield might be 8% a year, but the total return may only be only 5% a year. Investing in bonds should be this easy.
For example, if your marginal rate was 28% + 5% = 33% total, and a taxable bond fund yielded 5% and a tax-free bond fund yielded 3.8%, then you would be better off with the tax-free fund (3.35% vs 3.8%). If your marginal rate was 15%, then you’d be better off with the taxable bond fund (4.25% vs 3.8%). Hope that helps.
The Wrong Way to Think About Debt White Coat Investor
You must tax-adjust both numbers before making a comparison. Consider a doc with a 40% marginal tax rate earning 3% on a CD while carrying a non-deductible debt at 2%. After-tax, paying off the debt gives you a return of 2%. After-tax, that CD gives you a return of 1.8%. That doc is looking kind of dumb now.
The SEC and Wealthfront
No one gets rich off of coupons. Activity trap. Comment. Post Cancel. DCdoc. Member. Join Date: Jun 2016; Posts: 645; Share Tweet #7. 04-13-2019, 01:38 AM. That was me. A 90 page 1099. And I didn’t realize the complexity it would add to my taxes until March so I have at least 1 more similarly complex tax return. The TLH wasn’t even that big
Financial Survival As A Resident
Yes, an attending can probably manage to pay back $20,000-30,000 borrowed as a resident. But I have found that those who cannot live on a resident budget are the same people most likely to rapidly grow into an attending budget. “Residency” or “physician” loans generally carry high-interest rates. Credit cards, even with 15 month 0%
Maximum Student Loan Debt to Salary Ratio White Coat
That’s $24K. So, $120K-$34K-$24K= $62K. Now, let’s assume this family of four lives relatively frugally on a resident’s salary, $40K. That leaves $22K with which to actually pay down the debt, save for retirement, and save for college. Just for fun, we’ll say half of it, $11K, goes to debt pay off …
Why You Should Avoid Bond ETFs
By contrast, Ford has a range of bonds of varying issue dates, coupons, and maturities. Since there are so many more individual bonds than stocks, the bonds can be highly illiquid. During a financial disturbance, when liquidity becomes even thinner and most corporate bonds trade only “by appointment,” the AP mechanism fails, often at
Captive Insurance Companies for Physicians
Tony has a 23 page ebook on the subject which he his giving to WCI readers for free (use coupon code HJ56C) or if you prefer, a video. “Good afternoon Tony. I have about 20 minutes to spare,” said my personal cardiologist, as I entered his office one afternoon recently.
Debunking The Myths Of Whole Life Insurance
Debunking the Myths of Whole Life Insurance. There are more than 400,000 insurance agents in this country, and almost all of them would love to sell you a whole life insurance policy . If you buy a policy with premiums of $40,000 per year, the commission would typically be somewhere between $20,000 and $44,000 for that agent.
We lived like paupers during my training (doing my own repairs on my beater car, going out to restaurants twice/month on coupons, etc.) so we could max out our Roth space every year while we were in the 15% bracket. So, we put about $29k/year into our IRAs/403b during training and put as much as we could after that towards loans.
How frugal are you. Teach me thy way.
No coupons, no haggling except we do shop around for big purchases, rarely Black Friday sales because we usually aren’t looking to make big purchases. We do have a grocery list if we go shopping so we can avoid impulse buys. We wash and dry ziplock bags as long as it’s not too ripped up.
The Most Important Year Of Your Financial Life
According to the most recent Daniel Sterns survey, the average emergency physician makes about $326,000 a year. An academic doc or a new graduate on a partnership track may make significantly less, perhaps around $200,000. But compared to the $45,000 she made in her last year of residency, she might as well be Scrooge McDuck, swimming around in
Financial Independence on a Low Income White Coat Investor
#7 We Paid Off Student Loans. She started a career as a college educator, with a modest salary but excellent benefits including a pension plan. In the first two years of our careers, we paid off her $18,000 in student loans. #8 We Didn't Move Around. We chose jobs that fit us well and we both maintain a passion for our careers.
Helping Your Parents Financially White Coat Investor
(Showing thrifty people their financial advisor is ripping them off is amazingly motivating, BTW.) They have been very happy with the results, especially since the change (from a 90/10 to a 50/50 portfolio) was made shortly before the 2008 financial debacle.
Why You Should Avoid Individual Municipal Bonds
Risk may pay off with equity, but not with bonds. In fact, the author makes a convincing case for CDs. Since CDs cannot be bought by institutional investors, there are plenty of opportunities for higher rates than can be achieved by highest-quality corporate bonds or treasuries, with essentially no risk if FDIC insured.
Teaching kids finance/saving
Try using coupons at the grocery store as a way to teach your kids about saving money. Our kids split any money we saved at the grocery store when we had a coupon for something we would normally purchase. They became adept at finding the coupons and quickly learned about double coupon …
Investments Come In Many Forms
Category: Blog, Scholarship. [Editor's Note: Here at WCI we are pleased to announce our grand prize winner of the 2016 WCI Scholarship, Joshua Fullmer, an OMS3 at the Campbell University School of Osteopathic Medicine. Grand prize this year is good for 60% of the cash raised for the scholarship, or about $15,600.
Thrifty Doctors White Coat Investor
Thrifty. Frugal. Cheap. Similar meanings with different connotations. One, a lost virtue. Another, an insult. I find that I tend to swing rapidly between being ultra-frugal and being a spendthrift (although my wife would say I spend far more time on the left side of that pendulum). I like to think of it as spending my money on those things I value most, but deep down I know there isn't always
Top 16 Reasons It Sucks To Have A Low Income White Coat
5) Social Security Tax Doesn't Go Away. Unlike a high earner, you pay 6.2% (12.4% if self-employed) on ALL your income. The effect of the payroll tax is a flattening of the tax curve. I experienced this while moonlighting in the military on a taxable income well under $100K.
WCI Scholarship Week 2019! White Coat Investor
WCI Scholarship Week 2019! October 06, 2019 MST. Category: Blog, Scholarship. It's WCI Scholarship Week again! This is the time here at The White Coat Investor where we give away a bunch of money and prizes to a bunch of deserving professional students. Many people (not me) have been hard at work for the last month, sending out essays, judging