(This article turned out to be way too long, so I broke it into three parts. Part 1: Pre-Cruise is the preplanning and the three days we spent in our embarkation city. Part 2: The Cruise is all about the ship and the cruise. Part 3: Post-Cruise is the three days we spent in the … Read more
I have owned, traded, and vacationed using my timeshare for more than 30 years and love it. I own a single week of timeshare in New Orleans and have yet to stay in the unit I own. My happy experience is contrary to what is found on social media. There is a reason for that. … Read more
An important aspect of productivity is the concept “Do It Now.” When one concludes that a particular thing should be done, the most cost-effective way to get it done is to do it now. But we often do not follow this ideal. Instead we procrastinate until not doing it becomes more painful than doing it. … Read more
A backdoor Roth IRA is a great additional retirement savings plan for high earning professionals. Since I get many questions on how to make a backdoor Roth IRA contribution, I thought it would be good to help set the record straight and explain the Backdoor Roth IRA rules and answer the common questions that confuse … Read more
This month I celebrate my 61st birthday. This birthday marks the first time I really considered the concept of my time on earth running low. Exactly how much time do I have left to do all the things I still have on my bucket list? Will I see my grandsons graduate from college? Will I … Read more
(Check out my latest appearance on The Changed Physician Podcast where we discuss finding the right job as a physician on the first try which will save you $175,000 and a lot of headaches.) For the last few winters we have taken an RV trip to warmer weather in January thru March. This year we … Read more
This month marks six years since I walked out of the hospital in Lebanon, Oregon, to the song 18 wheels and a dozen roses, by Kathy Mattea, after my final week of locum tenens work. I was reluctant about giving up surgery at age 54, wondering if we had enough passive income and retirement savings … Read more
(My wife and I will soon be enjoying our timeshare on a three week snow birding vacation in the Texas cities of San Antonio, Austin, and Galveston. If you live in or near any of these cities (Houston?) and would like to join us for a meet up, contact me, we’d love to meet you. … Read more
Certificates of Deposit (CDs) come in two basic types, those you buy directly from a bank or other lending institution and those available from brokerage firms. Essentially the brokerage firms are offering bank CDs that can be traded like a bond. Brokered CDs are a special class of CDs offered by a lending institution with … Read more
I have a routine that I undergo each December to be sure the year ends well financially. With the December 31st deadline approaching I don’t want to miss any of the things that must be completed before year-end. There are many things to consider and I don’t do everything that people talk about doing at … Read more
