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Re: Ditch car and commute to work in 250cc scooter in Raleig

No way.

Around here scooters and mopeds are called liquorcycles.
by Big Worm
Sat Jul 12, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 73
Views: 5330

Re: Cannot qualify for physician disability insurance.

The insurance companies play hardball in cases like this. Depending on your clinical situation, the insurance companies may or may not understand the position you are in. It doesn't matter though. You have been pegged as having excessive risk that they are not willing to shoulder (fair or not). If y...
by Big Worm
Sat Jul 05, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2364

Re: New Attending Physician Tomorrow Advice?

Keep you feet on the ground and keep reaching for the stars.

Be nice to everybody.

What is/was your residency/fellowship in?
by Big Worm
Mon Jun 30, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: New Attending Physician Tomorrow Advice?
Replies: 17
Views: 1964

Re: Suggestions for teaching new MDs about finance?

White Coat Investor is a great resource.
by Big Worm
Sat Jun 28, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Suggestions for teaching new MDs about finance?
Replies: 39
Views: 2675

Re: Contractor Messed up

ralph124cf wrote:1. Ask your wife.

2. Do what she says.

Ralph


+1
by Big Worm
Wed Jun 25, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2965

Re: Recommendations for 3 days in South Lake Tahoe

I have never been to Tahoe but I have had good luck on vrbo.com before.
by Big Worm
Wed Jun 25, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for 3 days in South Lake Tahoe
Replies: 9
Views: 772

Re: Reducing Expenses for Future Family

[/quote] A lot of that must be college. I can't imagine people are forking out $13,000 a year for one person's food, clothes, some extra driving, and misc. That gives them time to save and the kid to study hard enough to get scholarships.[/quote]

I pay over $2000 a month in childcare expenses.
by Big Worm
Mon Jun 23, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Expenses for Future Family
Replies: 77
Views: 3180

Re: Is Medical School Worth it Financially?

Read this:

The Deceptive Income of Physicians

http://benbrownmd.wordpress.com/
by Big Worm
Mon Jun 23, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5043

Re: Leasing mineral rights for oil exploration

Yes, get a lawyer and have her/him review the original seismic survey agreement. It may contain language on options for leasing, etc. No language in the seismic survey agreement about leasing stuff. Poking around the internet 100-400 dollars per net mineral acre and 20-25% royalties seem to be the ...
by Big Worm
Sun Jun 22, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1010

Re: Leasing mineral rights for oil exploration

Thanks for the replies. I only browsed the linked forum a little bit but it appears to have a lot of good information. By nature I am very leery of business propositions such as this one. There are a number of stories on that forum about people being swindled. Obviously lots of money can be involved...
by Big Worm
Sun Jun 22, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1010

Re: flipping real estate infomercial work?

good article.
by Big Worm
Fri Jun 20, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1580

Leasing mineral rights for oil exploration

I own a small amount of land that recently underwent seismic testing so that the possibility of drilling for oil could be explored. Apparently the seismic testing was favorable because I have been contacted by a representative of the drilling outfit asking me to sign a contract for oil and gas lease...
by Big Worm
Fri Jun 20, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1010

Re: Netflix vs Amazon Prime?

I have both.
by Big Worm
Sun May 25, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 2480

Re: Denied Free Retirement Plan

Vanguard is kind of weird. I have a Roth IRA with them that I can log in and view the performance and value of easily. I have 2 529's with them through my state. I have to log into the state 529 to track the funds though. I have some retirement accounts with an old employer that are Vanguard funds b...
by Big Worm
Sat May 24, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denied Free Retirement Plan [at Vanguard]
Replies: 31
Views: 3306

Re: HSA vs. PPO with a pregnant wife

I have an HSA and am probably very lucky because my employer puts a lump sum in at the beginning of the year and pays the monthly premiums. I have 2 kids and while everyone in my family is pretty healthy it is very easy to chew right through the funds. I probably would stick with the PPO if I were y...
by Big Worm
Sat May 24, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs. PPO with a pregnant wife
Replies: 28
Views: 1822

Re: Husband just lost job

cfs wrote:
Big Worm wrote:Who/what is DW? I see initials like this sometimes on this site and don't know what they mean.

Note, definitions (as used in this forum)

DW = Dear Wife

DH = Dear Husband


Thanks!
by Big Worm
Sat May 24, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6353

Re: Husband just lost job

Take heart - DW was fired for refusing to do something unethical and possibly unlawful. The job change was in fact the best thing that ever happened to her. She went from being unappreciated to being adored I do agree with the advice, if not the tone of some of the other posters but the importance ...
by Big Worm
Sat May 24, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6353

Re: Cash Advance on a credit card

I got a cash advance once for my wedding.

$5000. Zero fee, 0% interest for 6 months. I was just a little shorthanded at the time and knew I would have the money to pay it off within 6 months. I wouldn't have done it otherwise.
by Big Worm
Sat May 10, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1468

Re: Moving Advice: How do I make my move economical?

clubby wrote:I'm not sure I'd put a trailer hitch on my 195k mile econo box car already in need of repairs and try to pull a trailer 1000 miles with it. That seems like a recipe for disaster.


Agree but Hondas are usually pretty tough.
by Big Worm
Mon Apr 07, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 959

Re: Any way to auto save a draft?

Hate it when that happens. Sometimes I right click and copy beforehand.
by Big Worm
Mon Apr 07, 2014 1:30 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 1749

Re: Moving Advice: How do I make my move economical?

I have used uhaul a couple of times and it was always horrendous. One time I ran out of gas because the fuel gauge was inaccurate. Penske was light years better.
by Big Worm
Sun Apr 06, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 959

Re: New partner eligible for solo 401K?

What's wrong with a K-1?
by Big Worm
Fri Mar 28, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: New partner eligible for solo 401K?
Replies: 14
Views: 950

Re: Costco vs BJs vs Sams Club

I have all 3. If I had to choose 1 it would be Costco.

The only sales at the BJ's I go to is one on the way out and I just wave them off.
by Big Worm
Sun Mar 09, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 6159

Re: Tipping for take out

Sometimes leave some change or a few bucks. Depends on how ornery I am feeling.
by Big Worm
Fri Mar 07, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 5284

Re: The dealership wants my 2 year old car back?

Classic bait and switch.
by Big Worm
Thu Mar 06, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4659

Re: Why the love for target date funds?

I call it "Ronco investing". Set it and forget it!
by Big Worm
Sun Mar 02, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 4180

Re: Advice on selecting medical school

The best FINANCIAL move you can make is going to the cheapest US allopathic medical school to which you are accepted, then choosing a lucrative specialty (Derm, Rads, Ortho, etc) and going into private practice. Of course, there are more important things in life than maximizing income. Don't forget...
by Big Worm
Fri Feb 28, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 2044

Re: Advice on selecting medical school

Physician here. As long as it is halfway decent, go to the cheapest one. No bones about it.
by Big Worm
Thu Feb 27, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 2044

Re: Putting Your 401(k) on Autopilot

It's "deer in the headlights" :wink:

I balance my checkbook all the time.

I also have my entire Roth IRA in a Vanguard Target retirement fund. I subscribe to the Ronco method of retirement planning - "set it and forget it".
by Big Worm
Sat Feb 22, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Putting Your 401(k) on Autopilot
Replies: 9
Views: 1183

Re: BOA credit card breach

I got the same letter and my new card already. I'm almost positive it's because of the Target and related breaches. I suspect they're replacing all of their cards. It's just the way of the times. The Target breach was before Thanksgiving IIRC. What the heck took them so long? Although I like chargi...
by Big Worm
Thu Feb 20, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 2566

Re: BOA credit card breach

ajcp wrote:It's not really a boa breach right? It the place you used the card at.


I guess so. I wish they would tell me where it was.
by Big Worm
Wed Feb 19, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 2566

BOA credit card breach

Just got this email the other day: We have learned that your Bank of America® credit card information may have been compromised at an undisclosed merchant or service provider. This does not mean fraud has or will occur on your account, but we are taking precautionary steps to help protect your accou...
by Big Worm
Wed Feb 19, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 2566

Re: How to buy a new car?

I got a quote from the dealer associated with Costco (except they didn't have the color I wanted). I had another dealer who found the right color to match the price. I think I saved a couple of hundred bucks.
by Big Worm
Wed Feb 05, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2675

Re: Winter coats:

I have 2 Patagonias. Love them.
by Big Worm
Mon Feb 03, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 4214

Re: France with a 10 month old

My kids are 1 and 4. No airplane trips yet. Getting to the beach is a major production.
by Big Worm
Sat Feb 01, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: France with a 10 month old
Replies: 30
Views: 1960

Re: Best way to sign a credit card?

I don't sign them. Never had an issue.
by Big Worm
Wed Jan 22, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Best way to sign a credit card?
Replies: 72
Views: 6372

Re: What's your dream car?

1987 VW 16V Scirocco
Porsche 928S4
by Big Worm
Wed Jan 22, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 10898

Re: Thinking about buying a 2014 Acura RDX

The Acura is a nice car. We had an MDX for a while. We got rid of it because my wife was commuting at the time and the MDX didn't get very good gas mileage. The only problem we had with the car was with the A/C. It would completely go out on long road trips >3 hours or so. Otherwise mechanically the...
by Big Worm
Sun Jan 12, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 3965

Re: What did you do with unwanted baby gear?

Battered women's shelter.
by Big Worm
Sat Jan 04, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1276

Re: Which Med school?

Your daughter sounds incredibly bright. I am a physician and she sounds much smarter than I was at that age :? .

She sounds like she will do well wherever she goes. I would choose the cheapest route within reason, hands down.
by Big Worm
Sat Dec 28, 2013 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12590

Re: Europe with young kids - 6 and almost 3, bad idea ?

No way I would do this!

Of course going away for the weekend is an incredible production in my family with young kids.
by Big Worm
Sat Dec 28, 2013 11:15 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 2104

Re: Dying mothers last wish. (Ethical question)?

Seems kind of weird to me. Nobody really knows what their finances are like though.
by Big Worm
Mon Dec 16, 2013 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dying mothers last wish. (Ethical question)?
Replies: 22
Views: 3073

Re: Backdoor Roth Contribution - Pulling the Trigger Today!

I have an empty traditional IRA at Vanguard as well as a Roth.
by Big Worm
Wed Dec 11, 2013 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Contribution - Pulling the Trigger Today!
Replies: 50
Views: 3390

Re: Backdoor Roth Contribution - Pulling the Trigger Today!

I do it every year. On the advice of my accountant I leave the funds in a money market for a few weeks before I convert to the Roth.
by Big Worm
Wed Dec 11, 2013 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Contribution - Pulling the Trigger Today!
Replies: 50
Views: 3390

Re: N.Carolina 529 no longer state tax decuctible

I read this the other day and was pissed off. I thought the tax break was pulled all of a sudden. However the truth is that this has been planned all along. The tax break was set to expire next year when the plan was created.
by Big Worm
Mon Nov 25, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 18
Views: 1164

Re: Backdoor IRA Question

I don't know anything about a SIMPLE IRA but I do have a backdoor Roth in addition to my 401K.

I put $5000 in a traditional Vanguard IRA. I wait a few weeks and then roll it into my Roth. I don't really know if you need to wait versus doing it immediately but this is what my accountant advised.
by Big Worm
Fri Nov 15, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor IRA Question
Replies: 4
Views: 256

Re: Acura RDX or BMW X3?‏

I agree the NAV looks pretty good. It was just a bust for me. The upgrade they tried to sell me was something like $300 IIRC. I wouldn't buy the system if I did it all over again.
by Big Worm
Tue Nov 12, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 4108

Re: Acura RDX or BMW X3?‏

No way in the world I would ever pay for a navigation package in an Acura. We used to have an MDX. My wife commuted a lot and the thing got terrible gas mileage so we got rid of it. it was a decent car otherwise (except a weird AC problem nobody could figure out). The GPS was TERRIBLE though! Even t...
by Big Worm
Mon Nov 11, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 4108

Re: Water damaged gadgets

I partially resurrected a laptop from the dead with the rice trick once so I think it is worth a try.
by Big Worm
Mon Nov 11, 2013 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Water damaged gadgets
Replies: 5
Views: 381

Re: Which Med school?

Congratulations to your daughter. I am a physician but I will spare you all the moaning and groaning that many of us feel because of the downward death spiral of medicine. I strongly advise her to go to the cheapest medical school possible. STRONGLY. I went to an incredibly average medical school. I...
by Big Worm
Tue Oct 22, 2013 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 12590
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