This is the fourth of a recurring series of quizzes to test your knowledge on physician personal finance and investing topics. Some people learn best by reading textbooks. Others like listening to lectures in a course format. This series of quizzes is designed for the physician or other high-income professional who learns best by doing questions.
Each quiz will have ten or so questions. To see the answer, click the “Show Answer” button under each question.
No actual CME can be earned with these quizzes, but hopefully you’ll learn something by answering the questions and reading the explanations. Good luck!
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The correct answer is D. In order to contribute to an HSA, you must be enrolled in a high-deductible health insurance plan. This means that individuals with high recurring medical costs might prefer to enroll in a traditional health insurance plan and forgo the ability to make HSA contributions. HSAs can be funded outside of payroll deduction, although you will not generally have to pay FICA taxes (Social Security / Medicare) on HSA contributions made through payroll deductions. HSA money can be spent at any time, even if you are not currently enrolled in a high-deductible health plan. HSA money can be withdrawn after the age of 65 without penalty, but this money will be taxed as ordinary income if it is not used for eligible medical expenses.
Related Post: Health Savings Accounts (HSA): The Basics
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The correct answer is B. The largest items in most physician’s budgets are home, car, and food (usually in that order). Since these three items can constitute 50% or more of a physician’s budget, it would be wise to look at these three budget line items very carefully.
Of course, for many young physicians, student loan payments may be even larger than their rent or mortgage payment.
Related Post: Do You Really Need To Cut The Starbucks Latte?
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The correct answer is C. According to the CDC life tables published in 2013, the life expectancy of a 65-year-old is 19.3 years (17.9 years for males and 20.5 years for females).
Related Post: YOLO: Financial Independence and the CDC Life Tables
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The correct answer is A. Money saved and invested early in your career will have more years to grow than money saved and invested later in your career.
Related Post: To Win the Savings Race, Don’t Pace Yourself
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The correct answer is D. International stocks compose 50% of the global economy, so an investor seeking diversification outside of U.S. stocks would be wise to allocate at least some money to international stocks. This is in spite of the fact that international stocks have had lower returns over the past decade and generally have higher volatility compared to U.S. stocks and are less tax-efficient.
Related Post: What Should Be Your International Stock Allocation?
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The correct answer is B. Total stock market index funds, such as VTSAX at Vanguard or FSTVX at Fidelity, invest in the total U.S. stock market, which includes large-cap, mid-cap, and small-cap stocks. They do not invest in international stocks. Unlike S&P 500 index funds, total stock market index funds often do not all track the exact same index. Over the past 15 years, total stock market index funds have outperformed the S&P 500; this is likely because it holds mid-cap and small-cap stocks, which generally have higher volatility and higher returns than large-cap stocks.
Related Post: Should You Invest in the S&P 500 or the Total Stock Market?
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The correct answer is B. Using historical data, the Trinity University researchers found that if you withdrew 4% of your starting retirement nest egg (invested in a 50/50 stock/bond portfolio) each year, your money would last 30 years greater than 95% of the time. This study is the basis for the common rule of thumb of aiming to save 25x your expected retirement spending.
Related Post: The Trinity University Study And The 4% Safe Withdrawal Rate (SWR)
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The correct answer is C. Using the future value function available in common spreadsheet applications, you can do simple investment projections. For this case, the answer is =FV(6%, 30, -60,000, -100,000, 0) = $5,317,840.
Related Post: Financial Calculations with the Future Value (FV) Spreadsheet Function
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The correct answer is D. To minimize taxes from portfolio rebalancing, it is best to rebalance your portfolio by adding money to underweighted asset classes. For example, if you desire an 80/20 stock/bond asset allocation and your portfolio is currently 85/15 stocks/bonds, then you should take the money saved from your next paycheck and buy bonds. Selling shares that have risen and buying shares that have fallen will also rebalance your portfolio, but may lead to a taxable event. It is not necessary to sell all your shares and buy them back in the appropriate percentages to rebalance your portfolio.
Related Post: Portfolio Rebalancing: Why, When, and How
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The correct answer is C. The individuals who are in most need of life insurance are those who have people (e.g. spouse, children) who need the individual’s current and future income. Of the listed answer choices, the married resident physician with a stay-at-home spouse and two children is the individual who would most need life insurance.
A single resident physician with no children does not have anyone who depends on their current or future income. A married attending physician with a working spouse and no children also does not have anyone who depends on the physician’s income – if the physician were to die, the working spouse would likely be able to live on his or her own income. If you are financially independent, then your dependents could likely live off of your retirement savings if you were to die unexpectedly.
This is not to say that the individuals in choices A, B, D, do not need life insurance, but to emphasize the primary considerations when deciding whether or not to buy life insurance.
Related Post: Introduction to Life Insurance For Physicians
What do you think? How’d you do on the quiz?
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ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.
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All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
asorehackcorp@gmail.com
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Investing in cryptocurrency has grown in popularity as a way for people to diversify their portfolios. But the popularity of digital currency also means a higher chance of fraud and theft. Numerous people have been duped by fraudulent investment firms, leaving them deeply in debt and hopelessly miserable. But if you fall prey to a cryptocurrency scam, CRYPTO RECOVERY WIZARD is a top cryptocurrency team that specializes in assisting companies and people in getting their stolen or lost cryptocurrency assets back. Their team of professionals tracks and traces stolen cryptocurrencies using state-of-the-art technology and industry experience, increasing clients’ chances of recovery.
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HOW I WAS ABLE TO RECOVER MY STOLEN CRYPTO ASSETS- CRYPTO RECOVERY WIZARD
Losing one’s Crypto currency can be a devastating thing to experience, the fact that it is almost impossible to recover a Stolen or lost Crypto coin hurts more than anything. When a person gets scammed of their money while investing in a crypto currency platform the only thing they can think of is how to report the company and get back their money. Most victims of the scam contact their wallet account provider, their bank or the law enforcement, a few end up hiring a lawyer to sue the company but after all these stress they still cant get their money back. Please everyone should be careful where they invest their money. Cryptocurrency has made many rich and at the same time made so many broke and desperate. Few weeks ago I was referred to the Crypto Recovery Wizard, and I was able to get back all my USDT coins that were Stolen through their services. If you want to recover your cryptocurrency that was stolen or lost I recommend that Crypto Recovery Wizard are reliable and trustworthy. You can contact them via Email: cryptorecoverywizard@gmail. com. They are one of the best Recovery companies in the world.
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I always bought the idea of investing in cryptocurrency but I didn’t go through the right process and I lost all my money to a fake cryptocurrency investment platform. I didn’t do enough research and I was scammed of my hard-earned money after falling victim to a cryptocurrency investment scam. I made all efforts to get back my money but to no success, I contacted the authorities as well but they couldn’t do anything to recover my funds until I was told about Crypto Recovery Wizard, a cryptocurrency recovery company that has helped other scam victims recover their funds. I contacted them immediately and provided all the necessary information needed to help them with their investigation. Crypto Recovery Wizard was able to recover my cryptocurrency funds and was able to track down those scammers. I’m truly grateful for their reliable and professional service. Crypto Recovery Wizard is the best approach if you want to recover your locked funds, and stolen cryptocurrencies.
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My name is Mrs., Donna Ono from Japan I have been married for the past 25 years but unfortunately my husband died 5 years ago, I am having throat cancer and according to the doctor I have less than 2 weeks left, i have no choice than to make this decision, my husband and I made a decision to open an orphanage home since we had no child, but unfortunately he died and right now I cannot carry out that project any more, this is why I want to choose you as my next of kin so that you can help me carry out my last wish on earth, if I don’t do this the bank top officials will confiscate the money because they know I am an orphan and a widow, I have prayed before making this decision please I beg you from my hear do not betray this last drop of trust left in me, my email address is em685768@gmail.com, contact me so I can give you more details on what next to do, peace and love from my heart..
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My name is Katalina Marco and I’m going to share with you all how I got scammed after falling victim to a cryptocurrency investment scam, I was introduced to this cryptocurrency scam by a guy I met on Instagram and after investing all my life savings, they swindled me off $180,000. It was the saddest moment of my life because I couldn’t believe what had happened, I was bankrupt and my credit was damaged. I reported to the authorities and there was nothing they could do to get these scammers or return my money. I thought all hope was lost and was going into depression until I came across an article online about Evil Hackers Recovery who could help me recover my funds, at first I thought it was impossible but I realized I had no other choice but to give it a try, to my surprise Evil Hackers Recovery was able to recover all my funds and upgrade my credit score, I wanted to put this out there for anyone who might be going through the same situation and have been swindled by this scammers, you can contact Evil Hackers Recovery to help you recover your stolen funds. Contact them at: recoveryevilhackers@ gmail.com
My name is Bartek James, I had the unfortunate experience of losing $137,000 of Bitcoin due to a scam. I was devastated and thought I would never see my funds again. That’s when I decided to reach out to Evil Hackers Recovery Company , and I am so grateful that I did. Their professionalism and expertise in recovering lost cryptocurrency funds were truly impressive. From the moment I contacted them, they provided excellent customer service and guided me through the entire recovery process. Their advanced tools and techniques gave me hope that my funds could be recovered. And sure enough, they delivered beyond my expectations. I was able to retrieve my lost Bitcoin, and words cannot express my relief and gratitude. I highly recommend Evil Hackers Recovery Company to anyone who has lost their cryptocurrency. Contact Evil Hackers company for the same problem on email address: recoveryevilhackers@ gmail.com
LEGIT AND FAST WAY TO RECOVER YOUR BITCOIN/CRYPTO 2024
I was scammed over ( $345,000 ) by someone I met online on a fake investment project. I started searching for help legally to recover my money and I came across a lot of Testimonies about ETHICREFINANCE Recovery Expects. I contacted them providing the necessary information’s and it took the experts about 27hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this help as many out there who are victims and have lost to these fake online investment scammers. I strongly recommend their professional services for assistance with swift and efficient recovery. They can reached through the link below.
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I was once lured into crypto currency investment platform that I came across on Instagram. I lost about $808,000 to this evil scheme after I invested and accumulated profits, I was denied withdrawals on the specified date. I wrote to the customer support but I was given 14days so the can revert back to me and i waited no feedback, I knew I had been scammed and I started to search for a way to recover my crypto.. I considered myself fortunate, that I stumbled upon a post on the internet web about a Recovery Expert GHOST CHAMPION HACKER . I would highly recommend GHOST CHAMPION HACKER A recovery agent to anyone who wants to recover their lost funds from any scam. They are the best in the recovery and hacking business and will do anything possible to help you get your money back. I never thought it would be possible to get back crypto once it is sent but I’m super happy and grateful for the services of GHOST CHAMPION HACKER. Kindly reach out to him if you need any help. E-MAIL: Ghostchampionwizard@gmail.com
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ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.
Let us show you the art of Ethical Hacking….!
EMERALD HACKS is a financial regulator, PRIVATE investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
emeraldhacks(.)org@gmail(.)com
Stay Safe out there !
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HOW I FOUND OUT MY WIFE WAS CHEATING THROUGH THE HELP OF SWIFT RECOVERY SERVICE
I was one of many men who never thought a day would come when my wife would cheat on me. I found out when my friend and I jokingly got a hacker called SWIFT RECOVERY FIRM to spy on our wives’ phones. There were no signs at all of her infidelity so I was 100% sure that I wouldn’t get anything suspicious in her phone. On the other hand, my friend had doubts based on his wife’s recent behaviour. We got a cyber company called SWIFT RECOVERY to do the job and they immediately sent us instructions which later gave us access to the women’s phones. The shock I felt when I checked her WhatsApp and messages is hard to describe. My wife is the sweetest and most caring woman on earth and there was no way I would ever imagine her hurting me in any way. But surprisingly, she had been sleeping with our son’s coach for what seemed like months. I ambushed her and her defence was that she got lonely because I no longer give her attention and affection but the truth is that I have been occupied with work since I am the breadwinner. I somehow understand her but at the same time I feel no emotion. I love my family and I don’t want us to go through the agony of divorce but i just have to for my own peace of mind. All thanks to SWIFT RECOVERY FIRM for their great and swift job well done. You can reach them through swiftrecoveryservice006@gmail.com or WhatsApp +1 (786) 684-0501
Spyhost Cyber Security Company , in fact, never disappoint. Few weeks ago, I did invest $320,000 in bitcoin with a phony company. A few days after I made the investment, I was shocked to discover on my dashboard that it had climbed to almost $420,000. Never knew my happiness was about to diminish as I attempted to withdraw the money and was turned down. I repeatedly emailed help, but they never got back to me. I decided not to let that get away from me and started thinking of methods to get back what was properly mine. On social media, I came across folks who had also been duped by a similar investment fraud and had successfully retrieved their money via Spyhost Cyber Security Company . The experts at Spyhost Cyber Security Company are excellent and their top notch hacking prowess was proven of which I am now a living testimony because all my invested funds were recovered within 48 hours. If you want to recover money/ lost digital assets from con artists, consider using Spyhost Cyber Security Company. For additional information about their services, reach out to them through the contact means below;
Email; Spyhost@cyberdude .com
Whatsapp: (571) 478-7636
ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.
Let us show you the art of Ethical Hacking….!
EMERALD HACKS is a financial regulator, PRIVATE investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
emeraldhacks(.)org@gmail(.)com
Stay Safe out there !)((;:/
I Have At Last Located A Trustworthy Cyber Expert Who Deals With Lost Bitcoin Troubles contact Lost Recovery Masters
I wanted to take a moment to express my utmost gratitude for the incredible service LOST RECOVERY MASTERS provided in helping me recover my lost cryptocurrency. When I first found myself in this unfortunate situation, I was feeling helpless and unsure of what to do. That’s when my friend recommended Lost Recovery Masters to me, and I couldn’t be more thankful for their suggestion. From the moment I reached out to Lost Recovery Masters, their team displayed professionalism, expertise, and genuine dedication to helping me. They patiently walked me through the entire recovery process, ensuring that I understood each step along the way. Their knowledge and guidance gave me the confidence that my lost cryptocurrency could be retrieved. I was truly amazed by the level of skill and precision Lost Recovery Masters exhibited throughout the process. Thank you once again for your exceptional service.
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Whatsapp: +44(7537)-(105921)
Email (Support@lostrecoverymasters.com)
WORKING WITH OPTIMISTIC HACKER GAIUS / RESTORING LOST CRYPTOCURRENCY
It is causing victims among people. I’m thrilled to tell you about my amazing experience working with OPTIMISTIC HACKER GAIUS, a recovery company. I put $155,000 into a fictitious venture. following being a victim. I didn’t know whether I would ever see my hard-earned money again, and I was devastated. I’m glad that OPTIMISTIC HACKER GAIUS, who assisted me in getting my Bitcoin back, was discovered on Google. How OPTIMISTIC HACKER GAIUS helped me get my lost cryptocurrency back is something I will never forget. I never would have thought it was possible to recover cryptocurrency. For anyone who is in a similar situation, I suggest OPTIMISTIC HACKER GAIUS. their everlasting dedication to the welfare of their clients and their unmatched proficiency in cryptocurrency recovery. You can get in contact with them using
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I didn’t know I could recover my scammed investment. Two months back, I made a trade with an online trading platform where we had to invest for about 3 weeks before getting out our profit. Things went well for a while, at first I was able to withdraw the first profit made. But about two weeks back I was blocked from accessing my account after I re-invested a few more dollars. I reached out to cryptorefunder360(at)gmail(dot)com and he was able to recover my scammed funds within a space of two week. You can reach out to him via email Cryptorefunder360(at)gmail(dot)com.
Seriózní a spolehlivá nabídka půjčky 24hodinová nebankovní půjčka. Potřebujete financování pro svůj domov, pro své podnikání, pro nákup auta, pro nákup motocyklu, pro zahájení vlastního podnikání, pro vaše osobní potřeby, o tom nepochybuji. Nabízím osobní půjčky od 30 000 do 10 000 000 Kč s roční úrokovou sazbou 2%. Bez ohledu na množství. V žádosti o půjčku uveďte přesnou částku, kterou chcete splatit, a datum splátky. Napište nám své osobní půjčky: pavlinasvetlikova9@gmail.com
Nabízíme flexibilní půjčky pro podnikatele až do výše 2 000 000 Kč přizpůsobené vašim individuálním potřebám, poskytované soukromým investorem. S výhodným úrokem a bez jakýchkoliv poplatků předem. Podmínkou je vlastnit nemovitost, zástava není nutná.
Naše služby zahrnují možnost konsolidace nevýhodných půjček a mikropůjček, vyplacení exekucí a poskytnutí hotovosti na cokoli, co potřebujete. Email: pavlinasvetlikova9@gmail.com
My name is Anderson Gate and I’m a professional photographer who invested in crypto trading and was conned of my hard-earned money by a crypto group. I lost $273,000 worth of Bitcoin to this scam. I was nearly losing my mind when I came across FIRMWALL Cyber Security, an ethical recovery company with professional white hat hackers who were able to assist me in the recovery of my crypto. I’m truly grateful for their service and I recommend their service to everyone who needs to recover their stolen crypto funds.
You can contact them via Email: Firmwallcyber@techie . Com
Telegram: @Firmwallcyber (+1 213 672 4092 )
URL-(https:// firmwallcyber.wixsite.com/firmwall)
In bitcoin investment schemes, scammers contact investors claiming to be seasoned “investment managers.” As part of the scheme, the so-called investment managers claim to have made millions investing in cryptocurrency and promise their victims that they will make money with investments. Soon after making deposits, victims are asked for more payment which they eventually are unable to withdraw or communicate with the investment managers. It is extremely difficult for police to recover funds once they have been transferred to these fake investment companies, therefore, crypto recovery services like SWIFT SPY ASSETS RECOVERY Contractors come in handy. Essentially, SWIFT SPY ASSETS RECOVERY began as a low key operation targeting fake exchange platforms that scam innocent naive investors. They would track down their identity and return the deposits to the victims anonymously. Recently, they created a channel through which victims can approach them to present their individual cases. If you have encountered such investment platforms or know a victim, contact them through email: (swiftrecoveryservice006 AT gmail .com) or WhatsApp number: +1 (786) 684‑0501. Or Telegram: SWIFT_HACKING. Visit their website at https://swiftspyassetsrecovery.com to get the help you need with finances and crypto.
THE ONLY TRUSTED AND RELIABLE RECOVERY AGENT!!!!!
I invested 32,000 Pounds, and later aggravated to 218,000 Pounds. I requested to place Withdrawal of my funds to be paid to my Bank account. But nothing happened I was subjected to pay more fee until I can get my funds on my account, i got in-touched with Hacker Judas here on this platform who had helped a lot of people similar problems concerning crypto, I followed all instructions and he legally got back my withheld funds, I got threatened by the company that if I don’t pay they will get my account frozen, But all thanks to Hacker Judas, I highly recommend him to anyone dealing with an unregulated broker company… contact him on his
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Jeanson James Ancheta wizard at email (jeansonjamesanchetawizard62@gmail.com) are helping bitcoin scam victims recover stolen crypto coins from rippers. I’m American but live in Australia and I invested the sum of $ 357,800 in Bitcoin with a cryptocurrency company I met online. After a couple of weeks, my initial investment had increased from $ 203,800 to $ 579,850. This felt so good as the investment grew rapidly in just a few weeks. When it was time to retire, my withdrawal request was denied, all effort to make withdrawal declined, then I realized I had been ripped off. Thanks to credible and reliable recovery agent Jeanson James Ancheta wizard.The hackers whom I learned are partners with chain lysis and audits of where your stolen funds end up helping me recover almost all lost Bitcoin. you contact them on email: (jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +49 (1521) 9265132, they will attend to you if you have such issue.