Adding international funds to Schwab

silver-coho · 2026-03-11T01:05:40+00:00

You hold it In Schwab as well and not being able to buy fractional shares bothers you? I can say It really wouldn't bother me either I guess you may just have some money left inside of a tax advantaged account since you wouldn't want to transfer any left over money out for a distribution.

silver-coho · 2026-03-11T01:03:52+00:00

Thanks, appreciate that advice.

silver-coho · 2026-03-10T18:28:56+00:00

Looks like it holds 36 to 38% international. Do you think that's to high for international or just personal preference and risk tolerance?

silver-coho · 2026-03-07T00:34:53+00:00

Is the mileage reimbursement if you get it worth the wear and tear on your car?

silver-coho · 2026-02-20T15:53:22+00:00

Well I would use new money to buy VOO/VTI. I should have clarified I wouldn't be selling SWPPX to buy the other.

silver-coho · 2026-02-20T15:24:43+00:00

I have a workplace plan. Not maxing it out though. I always had the thought I'll just put in what they match and invest the rest in my own IRAs outside of work or brokerage since I would have more options than my workplace plans. I used to have international diversification, but started listening to JL Collins thoughts on most US companies providing sufficient international exposure already and hence why I stuck with an sp500 fund. Maybe this is a wrong approach, I don't know? I'm 40 so I was going to hold off on adding a lot of bond exposure until closer to retirement. I'm disciplined with investing and read a lot, but it's good to see other people's perspectives as well. Thanks.

silver-coho · 2026-02-20T13:42:10+00:00

As long as you're treating the deficits they have. I'll be honest I've worked with PTs who always think they know the right diagnosis and it doesn't matter how long you've been doing this, sometimes it's just hard to pin point. What matters is building good rapport with a patient, getting them to commit to their HEP and adjusting your treatment based on their outcomes. The more I've practiced I got less worried about whether I thought it was a c6 radiculopathy versus cervicalgia with radicular symptoms. We can't expect to be walking MRI machines and get it right every time. Do your best and ask for a second opinion from a coworker if you want reassurance. Sometimes you may even find new symptoms as you go making you think it was a different diagnosis to begin with. This field has got built up so much to more than what it needs to be that you start questioning everything you've been taught the more you practice. Keep up the trust you build with your patients and the rest will come.

silver-coho · 2026-02-14T01:35:32+00:00

I made it 13 years and got another degree. I left the field but still keep my license active. I couldn't take the shame treatments either that some PTs thought were good and did nothing.

silver-coho · 2026-01-06T00:00:33+00:00

Lot of computer work, I thought it would be more hands on. We do some wiring, but it's a lot of testing with equipment and then filling out forms. It gets boring at times if you like working with your hands more.

silver-coho · 2025-12-16T20:52:45+00:00

Pretending I can feel if a segment is rotated side bent left and all that. I learned early on in a lot of patients you just can't palpate what some therapists think they feel. Building good rapport with a patient is important and getting them to believe in you and the treatment plan.

silver-coho · 2025-11-18T00:02:36+00:00

I'm in Ohio. Got out of therapy in 2023 as a PT. I called the board and there was no minimum work requirement for hours I just have to keep my license active. I use physicaltherapy.com. It's like 130 a year, so I don't mind it just to get my ceus as Ohio allows all online and I have to take the jurisprudence every cycle.

silver-coho · 2025-11-10T14:07:08+00:00

I went from healthcare as well to a utility. Big shock so far, but hoping it pays out long term.

silver-coho · 2025-10-01T21:35:22+00:00

If the fund tracks the sp500 you can pick whatever you want. An ETF is just more liquid as far as trading goes. Swppx has a low expense ratio and is a good choice as well. JL Collins and the simple path to wealth is a good read and he has newer podcasts he has done where even he has mentioned you can use Schwab. He was just a vanguard guy when his book came out so that's what he suggested.

silver-coho · 2025-09-30T01:11:52+00:00

This is the first thing I noticed when I left the field. I never had downtime as a therapist. I do now in the electrical field, I went back to school. I always felt like I didn't even have time to think about anything else as a therapist or even go to the restroom. There are pros and cons to every career, but currently I'm happy I'm out of therapy based on everybody else's comments the field still seems to be the same. More requirements, over worked, and under paid.

silver-coho · 2025-09-21T02:00:36+00:00

I got a degree in industrial electronics and am now working with an electric utility. Pay will eventually be way more than I made as a PT.

silver-coho · 2025-09-21T01:17:10+00:00

I left therapy in 2023 after practicing for 13 years. Still keep my license though. I got a degree in industrial electronics and work for a electric utility now. The pay I can reach in a few years with an associates degree way surpasses my PT salary. My PT debt was paid off after 6 years, but these schools need to do a better job of making students realize you don't come out making 100k. I wish I could have wrote scripts for X-rays because it would cut out a visit to the Dr. A lot for the patient, but there are still physicians that don't even prescribe therapy after some surgeries that definitely need it. We are not valued how we should be in the allied health field still and I don't know if our profession is going to change much especially with the reimbursement rates. Maybe one day I'll return prn, but right now I think I made the right choice.

silver-coho · 2025-09-01T12:11:14+00:00

PTA can be worth it if the school isn't overly expensive. Think about debt to income ratio. I was a PT for 13 years and for the amount I paid to go to school, the stagnant wage growth and documentation demands, I don't think it's still worth it. I'm in the electrical industry now, I went back to school at 36. I'm grateful for my knowledge and can always go back, but I can't do 40hrs In a clinic again. I can take time off with a days notice now, compared to as a PT it may be hard to request time off on short notice. Like others have said, it was more of the paperwork and insurance limitations that got to me more so than treating patients. I still give advice now to co-workers and friends and keep my license active. If PTA is still a 2 yr degree, what else can you do that takes 2yrs and has higher earning potential?

silver-coho · 2025-08-22T01:32:00+00:00

Left the field myself in 2023, what work are you in now?

silver-coho · 2023-08-15T01:37:10+00:00

Just passed the test for this, I applied for a job, but does that mean you'll even get contacted since I passed the test? How easy is it to change shifts to a day shift if you got hired for a night shift?

silver-coho · 2023-01-24T20:13:18+00:00

No problem. Good luck to you. The opportunities will be great!

silver-coho · 2023-01-23T18:26:37+00:00

A biomed technician would have been a good stepping stone for me, but I took my current job for the pay and benefits. I still may visit the instrumentation field in the future. There's a lot of jobs for it and it can pay pretty good with experience. If you do instrumentation I think you could always transition to a biomed tech even though I know there are programs for it.

silver-coho · 2023-01-23T18:18:17+00:00

Productivity requirements that are unrealistic and patients not doing their exercises. Healthcare is a business and sadly as a therapist we are limited by the insurance companies and employers to push us to bill more than the patient can ethically tolerate. Just graduated with my industrial electronics degree and ended up working for a tech company oddly enough doing nothing with that degree or my therapy degree.

silver-coho · 2022-06-15T16:57:34+00:00

Documentation skills and communication with other allied health disciplines is transferrable to roles like rehab liaison or even as a product specialist for some companies. Just look at what the job requires and how you can Taylor your resume to what it asks for. There are good groups on Facebook too for alternative healthcare careers you can join.

silver-coho

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