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Re: Emergency room consent

No, I think you missed the point. A hospital doesn't have multiple plastic surgeons on call. There is no "Blue Cross/Blue Shield Plastic Surgeon" and "Humana Plastic Surgeon" on call. We have one physician per specialty on call. Most hospitals do not even have plastic surgeons a...
by EmergDoc
Mon Sep 29, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 2895

Re: Emergency room consent

A free-standing ER is NOT an urgent care. The free-standing ER has the ability to care for an emergency and is staffed by a board certified emergency doctor. If you need to be admitted or operated on, you are transferred to another hospital. The free-standing ER is also governed by EMTALA, just like...
by EmergDoc
Mon Sep 29, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 2895

Re: Obese airline passenger

It also shows that under 5% of the population is 6'2 or taller, so maybe the airlines should move seats closer and charge exceptionally tall passengers a higher rate. Huh? :? double huh? Most obese people can lose weight through diet and/or exercise. What options are there for a tall person to get ...
by EmergDoc
Mon Sep 29, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4429

Re: anybody has done Whipple surgery

In before the lock.
by EmergDoc
Mon Sep 29, 2014 12:37 am
 
Forum: Personal Consumer Issues
Topic: anybody has done Whipple surgery
Replies: 6
Views: 965

Re: Emergency room consent

Is it correct under US law that if someone does not have medical insurance, that an emergency room can't turn them away? I believe it is and is one reason for the push for wider medical insurance, so that other people don't end up paying for their treatment. In any case, if you go to an emergency r...
by EmergDoc
Mon Sep 29, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 2895

Re: Author Advice - Advantages/Disadvantages of Co-author

Hello, I have an area of expertise (nothing to do with personal finance) which lends itself to writing a book for the general public. I met with a potential co-author today who loves my idea for a book. This individual has written six previous books, has an agent, has great writing skills and bring...
by EmergDoc
Sun Sep 28, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 950

Re: EmergDoc has Surpassed 10,000 posts!

That's good advice. I like that, DCA into your marriage. First time I've heard that.
by EmergDoc
Sat Sep 27, 2014 11:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 22
Views: 2057

Re: Read too many books... help untangle

Plenty of great portfolios out there. It's more important that you stick with what you pick than what you actually pick, as long as its reasonable.

http://whitecoatinvestor.com/150-portfo ... han-yours/
by EmergDoc
Sat Sep 27, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2297

Re: EmergDoc has Surpassed 10,000 posts!

Thanks everybody! I'm currently 18th on the list of all time posters. At one point I was 7th or 8th, but began posting here a little less in order to start The White Coat Investor. I hope I've given back at least as much as I've gotten from this fine group of people.
by EmergDoc
Sat Sep 27, 2014 11:06 am
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 22
Views: 2057

Re: Thank you Alex Frakt and Larry Auton!!

750,000 page views a day is a massive amount. That's 100 times what my site sees to put it in perspective. Bogleheads is the 4545th most popular site in the US. Google is number 1. CNN is # 20. My site is 23,050th.

Nice work everybody.
by EmergDoc
Sat Sep 27, 2014 11:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1072

Re: Answer to Most Physician/High Net Worth Questions:

I agree that 8 years is a long time to live like a resident. Personally, I lived a lifestyle about 1.5-2X what I had as a resident for 4 years, then moved into the lifestyle I intend to continue indefinitely. That was plenty for me. Someone with a lower income to debt ratio may need to be more aggre...
by EmergDoc
Sat Sep 27, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2227

Re: Rental Property - Still a Good Investment?

Ideally the rent would cover mortgage plus expenses. A good re investment can be cash flow neutral, especially in a place with expected appreciation, but negative cash flow is not good. This means that your money can be better invested elsewhere. I would be inclined to sell. While I agree positive ...
by EmergDoc
Fri Sep 26, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3473

Re: BIG ($180k) student debt!! Strategy needed.

Regarding the student debt: 1) If the debtor is interested in working for a 501(c)3, go for Public Service Loan Forgiveness. 2) If not, refinance that debt as low as 3% variable and 4-5% fixed with one of several companies, then pay it off aggressively. http://whitecoatinvestor.com/new-options-for-s...
by EmergDoc
Fri Sep 26, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: BIG ($180k) student debt!! Strategy needed.
Replies: 38
Views: 3578

Re: Let's hear your Dave Ramsey success stories

Anyway, I think I would be paying lots extra on my mortgage if the stupid thing wasn't so cheap. I figure after tax it's at about 1.6%, well under even our current very low inflation. It's hard for me to do something that seems mathematically dumb even if it will feel good to have it paid off. Emer...
by EmergDoc
Thu Sep 25, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4020

Re: POLL: Would you rather work half as long or half as ofte

Tax-wise, better to work half as often rather than half as long.
by EmergDoc
Thu Sep 25, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 62
Views: 3470

Re: Let's hear your Dave Ramsey success stories

mrpotatoheadsays wrote:My success story goes back a while when Dave Ramsey went by the name of Charles Givens. He had integrity then, and he didn't spend all his time trying to sell his eight different flavors of snake oil.


I think those are clearly two very separate people.
by EmergDoc
Thu Sep 25, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4020

Re: Let's hear your Dave Ramsey success stories

I'm always impressed when I see people pay off "30 year mortgages" (as though paying off a 30 year early is more impressive than a 15 year) in 19 months. But whenever I'm listening to Dave's show it's always someone with a $60-120K house. I'm not even sure where you buy one of those, but i...
by EmergDoc
Thu Sep 25, 2014 12:21 am
 
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 32
Views: 4020

Re: MDVip

Are you asking something?

MDVIP, for those who don't know, is a franchise type company that helps docs do concierge medicine, then takes 30% off the top as a franchise fee of sorts. Works for some docs, doesn't for others. Works for some patients, doesn't for others.
by EmergDoc
Wed Sep 24, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: MDVip [Concierge Medicine]
Replies: 4
Views: 440

Re: Dave Ramsey: The Legacy Journey

Nothing wrong with the class, but someone who reads Bogleheads regularly isn't going to learn much from it. I have a few minor beefs with Ramsey, but they're mostly on the investment side rather than the debt management side.

http://whitecoatinvestor.com/how-dave-r ... ou-astray/
by EmergDoc
Tue Sep 23, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5312

Re: We have a grocery problem... [Household budget]

We need some help and the first step is admitting we have a problem. :-( There are two of us in a household, no kids or pets. We are frugal with everything except groceries and food. We live in the Chicago area so somewhat HCOL. Looking at mint.com, we average over the last 12 months: - $230 a week...
by EmergDoc
Tue Sep 23, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10570

Re: Do you consider Dan Wiener to be a Boglehead?

I bet Dan thinks these threads are pretty funny, and then laughs all the way to the bank. No such thing as bad publicity really.
by EmergDoc
Tue Sep 23, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2072

Re: In a Serious Situation Need Financial Advice

You don't have an investing problem or even a spending problem. You have an income problem. Better job, more hours, more jobs etc are the solutions. Education might help.
by EmergDoc
Tue Sep 23, 2014 3:29 am
 
Forum: Personal Finance (Not Investing)
Topic: In a Serious Situation Need Financial Advice
Replies: 45
Views: 7218

Re: Are SPIA's fairly priced? - A quick and dirty analysis

5-12% sounds great to me. About what I would expect.

Obviously there has to be room in the price for the insurance company's expenses and profits. That's the price of insurance. If you need it, buy it. If you don't, well, it's obviously cheaper to self-insure.
by EmergDoc
Mon Sep 22, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3561

Re: Who holds your Solo 401k?

Mine is at Vanguard, but there are good reasons to go somewhere else:

http://whitecoatinvestor.com/where-to-o ... solo-401k/

Etrade, for instance, should get a mention on this thread.
by EmergDoc
Mon Sep 22, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 35
Views: 1908

Re: Professional gambler in unique investment situation

If I were to be unable to place any more value bets, I would not get a job and instead try to live from what I have. Are you allergic to work or something? You're 27 years old. What's so bad about getting a job for a decade or two? Surely there's something you like to do. Perhaps you could start a ...
by EmergDoc
Mon Sep 22, 2014 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Professional gambler in unique investment situation
Replies: 22
Views: 3269

Re: Need help protecting assets (marriage)

$100K? I guess I wouldn't get too worked up about it. It's not like you're 55, have 4 kids from a previous marriage and a net worth of $3 Million. We got married a little younger than you, but compared to what we have now, neither of us really had anything worth fighting over then. That said, a pren...
by EmergDoc
Mon Sep 22, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4519

Re: Sale of a home between boyfriend and girlfriend.

Yeah, I'd just add up all the money paid and split any home equity in proportion to that and walk away with an important lesson learned. She paid her portion of "the rent" upfront and with the roof. He paid his portion monthly.
by EmergDoc
Sun Sep 21, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5512

Re: Angry when stock market is down

If anything about your portfolio is making your angry you're doing it all wrong.
by EmergDoc
Fri Sep 12, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4159

Re: Neighborhood kid around 13 throwing rocks at my house

Teach him Karate. First he can paint your fence, then wax your car....
by EmergDoc
Fri Sep 12, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3129

Re: AARP Bulletin mentions Bogleheads Guide to Retirement Pl

He's now recommending 2.5% as a safe withdrawal rate. 1% is also a safe withdrawal rate. That was never the question. The question is what is a smart withdrawal rate. I mean, if I can just get a portfolio that keeps up with inflation (which seems awfully easy given TIPS yields) it seems like I'd ge...
by EmergDoc
Thu Sep 11, 2014 1:38 am
 
Forum: Investing - Theory, News & General
Topic: AARP Bulletin mentions Bogleheads Guide to Retirement Planni
Replies: 11
Views: 749

Re: Low Income Investor (Tax Concerns)

I wouldn't expect much of an effect on your taxes. The yield is 2%. 2% of $10K is $200. And in your tax bracket, the rate on capital gains and qualified dividends is 0%.
by EmergDoc
Thu Sep 11, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1864

Re: Tip for the Roofing Crew

I would have never thought to tip the guys working on my house. Roof, windows, plumber, HVAC....Never tipped any of them.
by EmergDoc
Wed Sep 10, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1292

Re: What's the riskiest Bogleheadish asset?

Frontier microcap value?
by EmergDoc
Tue Sep 09, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7098

Re: historical return of micro cap equities

I'd suggest reading bridgeway's annual and semiannualreports, focusing on BRSIX.

http://www.bridgeway.com/resources/literature/

John Montgomery knows more about microcaps than you and I ever will.
by EmergDoc
Tue Sep 09, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: historical return of micro cap equities
Replies: 6
Views: 511

Re: Colleague being fleeced by insurance agent / Ponzi Schem

Most doctors won't agree with this as they often think they are god-like. That reminds me of Alec Baldwin in Malice: http://www.youtube.com/watch?v=8g2dkDh4ov4 I have an M.D. from Harvard, I am board certified in cardio-thoracic medicine and trauma surgery, I have been awarded citations from seven ...
by EmergDoc
Tue Sep 09, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5254

Re: Colleague being fleeced by insurance agent / Ponzi Schem

I admit I am not familiar with all kinds of financial instruments. But stand by my statement about building blocks. I was referring to investing at its most basic level: using capital to obtain additional wealth created by others. If you want to (legally) get a piece of wealth created by company X,...
by EmergDoc
Tue Sep 09, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5254

Re: Colleague being fleeced by insurance agent / Ponzi Schem

I recently had a discussion with a colleague (physician) who was telling me about her investments and insurance. She was basically giving me advice and clearly pleased with her choices. Essentially she was telling me that she works with a State Farm agent who handles her investments and insurance, ...
by EmergDoc
Tue Sep 09, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5254

Re: "Why 97% of People Don't Use 529 College Savings Plans."

529s are a tax break for the rich. The poor get grants and need-based scholarships. The middle class gets some tax credits/deductions. That's why 97% of people don't use a 529. Only the 3% who are rich or plan to become that way use them. If you're not putting away >$2K per year for your kids to go ...
by EmergDoc
Tue Sep 09, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10551

Re: Rather macabre but necessary question

Sorry about your diagnosis. Seems like bucket list time to me. http://www.youtube.com/watch?v=D8axAKaObDo Remember that you're likely to be sicker (and will definitely be older) your last few years than you are now. If I were you I'd be scheduling adventurous trips I've always wanted to do with ever...
by EmergDoc
Tue Sep 09, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6164

Re: If no access to DFA, Small Value worth it?

Given that I need to hire an advisor to get DFA or Bridgeway funds, I would then need to add those costs in when determining if it is worth it.
by EmergDoc
Sun Sep 07, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 30
Views: 3977

Re: Whole of Life x2

30 years and 10 years? Probably ought to seriously consider just keeping them if the premiums are no big deal. If you wish to dump them, this post may help:

http://whitecoatinvestor.com/how-to-dum ... fe-policy/
by EmergDoc
Sun Sep 07, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole of Life x2
Replies: 13
Views: 1083

Re: MD/MBA Investing Opportunities

Ahhh... a bunch of negative nellies here. If your dream is 80% clinical and 20% investment related, I say go for it. But they're right in that you need to do clinical first, then pursue the investment stuff on the side. If it works out, cut back on the clinical work. If it doesn't, well, you've got ...
by EmergDoc
Sun Sep 07, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: MD/MBA Investing Opportunities
Replies: 23
Views: 2483

Re: Budget breakers

I really think the secret to budgeting is not having to budget. After years of doing a monthly budget we finally realized we were never even close to spending it all. Our income rise had been so much more severe than our expense rise, the only question was whether we were saving 20% or 50% of our in...
by EmergDoc
Sun Sep 07, 2014 2:09 am
 
Forum: Personal Consumer Issues
Topic: Budget breakers
Replies: 37
Views: 2785

Re: A 'really good book' you did NOT enjoy

War and Peace. I couldn't keep track of all the characters.
by EmergDoc
Sun Sep 07, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10975

Re: Market at a all time high ( Sept 2014) , time to cash ou

When I look at my Total Market Index Fund it is up 250%. I have been thinking if I should sell half. What are others doing, I am sure I am not alone? 840 posts and still asking this question? I can excuse the OP, but I expect those who have been here for years to have a reasonable plan and be follo...
by EmergDoc
Fri Sep 05, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3759

Re: america the beautiful national parks and lands pass

An update on the thread: I got in "free" to Teton National Park again. The booth was completely unmanned at 1 am for some reason. Nowhere to leave money except tape it to the window! Left at dusk, again no one at the booth. We arrived at Yosemite (Tioga Pass) at noon, and of course bought ...
by EmergDoc
Fri Sep 05, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 5656

Re: Schwab PCRA...Worth it?

I use it in my 401(k). I mostly buy Vanguard ETFs. The commissions plus my 401(k) plan fee ($200 a year) are much cheaper for my level of assets than paying the AUM 401(k) fee (0.3% or so) and using the Vanguard mutual funds in the 401(k).
by EmergDoc
Fri Sep 05, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab PCRA...Worth it?
Replies: 6
Views: 485

Re: Malpractice lawsuit from residency?

Yup, have "him" call the hospital and ask to talk to the risk management folks. They'll help "him" out. The letter is a "letter of intent" required in many states before filing suit. Responding to it (your lawyer, not you) firmly saying you've got a good case (and outli...
by EmergDoc
Tue Sep 02, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Malpractice lawsuit from residency?
Replies: 16
Views: 2578

Re: Physician Long term Disability- Premium pre or post tax

BruDude wrote:You're much better off paying tax on the value of the premium and getting the benefits tax free.


Only if you actually collect the benefits. If you don't (which is far more likely) you're better off vice versa.

I think this "truism" hasn't really been looked at carefully.
by EmergDoc
Mon Sep 01, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1216

Re: Physician Long term Disability- Premium pre or post tax

If I was offered pre-tax premiums, I'd take them. There's a 6/7 chance you won't ever get benefits, but the pre-tax premiums are guaranteed. Plus, those benefits will be much less taxed than your current income, since it'll be a lot less income. A bit of arbitrage there really. This assumes you can ...
by EmergDoc
Mon Sep 01, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1216
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