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Re: Should I pay off my sisters student loans?

WOW! The judgmental nature of these attacks (yes, that's what some of them are!) on the sister. She went to law school. She had loans. They are relatively high in total, but not anything that would be stunningly unbelievable, especially not for a high-priced law school. And then she has the "ne...
by ResearchMed
Tue Sep 30, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 48
Views: 2978

Re: Oatmeal suggestions

It does take quite a while to cook, so just start it early. Trust me on this. Get a Zojirushi rice cooker. It also makes great rice, but apropos of this thread, you put in the oatmeal and water, select porridge on the menu, dial in what time you'd like it to be ready, and go to sleep. In my cooker,...
by ResearchMed
Tue Sep 30, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 87
Views: 2647

Re: Oatmeal suggestions

I buy organic oats in bulk at Whole Foods. Each morning I cook a third cup of oats and add dried cranberries, walnuts, cinnamon, sugar and milk. Although I have to admit that with all of the positive feedback on steel cut oats I am going to give those a try when I run out of my current supply. We h...
by ResearchMed
Tue Sep 30, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 87
Views: 2647

Re: How can I stop feeling depressed about my finances?

I hadn't heard of the Facebook depression issue (don't use Facebook, pay as little attention to it as possible, which sometimes takes effort). However, for many years (decades), I would occasionally mention something similar, but in a more personalized context: It seems in this society (maybe all so...
by ResearchMed
Tue Sep 30, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5924

Re: Oatmeal suggestions

Use steel cut oatmeal. Once you've had that, the faster-cooking types will taste/feel like mush. (And if you prefer that texture, fine, but most people don't.) It does take a bit longer to cook, but it is SO good. I've been known to cook extra, and - assuming we don't gobble up it, still hungry or n...
by ResearchMed
Tue Sep 30, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 87
Views: 2647

Re: How can I stop feeling depressed about my finances?

If you want to write and edit and yet make crazy good money, you should consider corporate communications. Yes, you'll have to work to break into the field. Probably by paying your dues in another field of writing first: journalism, publishing, technical writing, advertising. Have you considered te...
by ResearchMed
Mon Sep 29, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5924

Re: How can I stop feeling depressed about my finances?

@Semiotic, Have you thought about editing as a career? I graduated into the Regan recession with a BA in English and have spent nearly my entire career editing engineering reports. Never been out of a job except for when I wanted to be. Those STEM people may make more money than I do but they still...
by ResearchMed
Mon Sep 29, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5924

Re: Emergency room consent

...A ER with[out?] an ER doc isn't worth much but an ER doc without an ER is also limited... In our area, there seems to be a lot of competition heating up for "urgent care" facilities, and a new one that opened up brags/claims that "Every patient will be seen by a board-certified em...
by ResearchMed
Mon Sep 29, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3071

Re: Fidelity BrokerageLink 401K question

What we can see by entering the mutual fund symbol and the clicking on " research " shows the initial minimum. There is a little superscript, and at the very bottom of the page among all of the notes, the number has text showing that within some employer plans the minimum might be less for...
by ResearchMed
Mon Sep 29, 2014 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity BrokerageLink 401K question
Replies: 6
Views: 379

Re: Anybody manage a rental property long distance?

If there was no one at all at the open house, are you comfortable that it is priced right?

Another consideration about keeping it "for sale", aside from the fact that there are no mortgage payments to make is: What could you be doing with the money from a sale?

RM
by ResearchMed
Sat Sep 27, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 840

Re: Why do people buy annuities?

For those who are visually oriented here's a graph of survival probabilities cribbed from Wade Pfau's blogsite (Safe Withdrawal Rates and Life Expectancy, Part 2). http://www3.grips.ac.jp/~wpfau/images/F5.jpg (It may not exactly correspond to your situation but broad inferences may nonetheless be d...
by ResearchMed
Sat Sep 27, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3820

Re: Answer to Most Physician/High Income Job Questions:

I certainly agree about umbrella insurance. Does anybody know if umbrella insurance will pick up if malpractice insurance is limit is exceeded? Ralph I do know. The answer is absolutely not. The policy (at least my policy) specifically excludes business/professional activities. Mitch We have a pers...
by ResearchMed
Sat Sep 27, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2252

Re: operating cost of this forum

The "Operating Costs" are only considering the "out of pocket actual money to pay bills to non-BH vendors", and do NOT include any "staffing time", correct? I've wondered about ALL THE TIME that is put in to make this Forum run so smoothly. And sure enough, there's Lady...
by ResearchMed
Sat Sep 27, 2014 2:45 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 5224

Re: Can I be held personally liable for things done at work?

As an aside, one of the companies I consulted for refused to do business (hardware or software) that involved medical or airplanes - things where there were obvious life-threatening consequences of failure. [Not sure if they were thinking along the lines of automobiles; this was quite some time ago,...
by ResearchMed
Sat Sep 27, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be held personally liable for things done at work?
Replies: 16
Views: 2062

Re: Can I be held personally liable for things done at work?

This is an interesting question. Even if your company has liability insurance that specifically covers you, that still doesn't stop someone from filing a suit someday. Do you have regular umbrella insurance, in case an auto accident has disastrous outcomes for someone? Or for a slip and fall in your...
by ResearchMed
Sat Sep 27, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be held personally liable for things done at work?
Replies: 16
Views: 2062

Re: Treadmills [vs. Ellipticals]

We spent a fair amount of time in a local "showroom" of gym equipment before deciding. We ended up getting 1 treadmill and 1 elliptical. We had to deal with a slightly low-ceiling in the lower level family/media/exercise room, so that was a definite consideration: How high from the floor w...
by ResearchMed
Sat Sep 27, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3297

Re: Disappointed in Vanguard customer service

I prefer no music when on hold... +1. I like to do something else (post on BH?) while on hold and music ends up being very distracting. Yes, music - especially loud music of a type one hates - is not just distracting, but can be exceedingly annoying. But an occasional quiet "beep"? SOMETH...
by ResearchMed
Sat Sep 27, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 32
Views: 3547

Re: Thank you Alex Frakt and Larry Auton!!

Yes, thank you both VERY much.

And also thanks to the other members of the BH community.

We have learned a great deal here.

RM
by ResearchMed
Fri Sep 26, 2014 7:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1081

IVASCYN to replace Gross at PIMCO

Ivascyn will replace Gross.

RM
by ResearchMed
Fri Sep 26, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8089

Bill Gross moving from PIMCO to Janus, Monday

This just in.

Wonder how (if?) it affects the SEC inquiry into Total Return ETF.

RM
by ResearchMed
Fri Sep 26, 2014 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8089

Re: Unexpected Emergency

Dental costs can sometimes fall under medical insurance, especially if surgery is needed, for example, because of being hit by a car, or a medical condition which affects the teeth/gums/jaw. Yes, do check with both the dental billing office (someone senior/experienced if there is more than one pers...
by ResearchMed
Fri Sep 26, 2014 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3217

Re: We're all going to die!!!

And this is the WORST DAY SINCE JULY!!!!!!!!!!!

Let's see... using my abacus and counting on fingers and toes... that is TWO MONTHS AGO!

OMG!

RM
by ResearchMed
Thu Sep 25, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4719

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

Interesting as I am considering this option now. I was going to continue to work my tail off to retire in my mid to late 40's, but then realized I have nothing I am running to and actually like what I do. My wife is 5 years younger and loves what she does so no chance on her retiring early with me....
by ResearchMed
Thu Sep 25, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 3860

Re: Question about medicare, myself, and spouse

Are you still employed and do you currently have health insurance through that employer (you and/or spouse)?

If so, it might depend upon what their terms are about what to do when one reaches 65.

RM
by ResearchMed
Thu Sep 25, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 681

Re: Time to go back to cash and ditch the Credit Card?

There are too many perks to using credit cards (debit cards have some, but too many risks). We use the points for upgraded or overseas airtravel or last-minute travel when the fares would be sky-high. We also count upon - and have used - the backup that charge cards provide, if the purchase isn't as...
by ResearchMed
Thu Sep 25, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3160

Re: Jack and Jill Bathroom a problem?

saladdin wrote:Ok, I give. What is a j&j bathroom? In my 40 years that term has never been used in my area.


It's a bathroom that is between two bedrooms and shared by them. Typically, it is "captive" in that there are only two doors, one from each bedroom.

RM
by ResearchMed
Thu Sep 25, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1788

Re: Jack and Jill Bathroom a problem?

There is another bathroom on the same (second?) floor? Then it seems you have the option of changing the Jack and Jill bathroom to a regular "family bathroom" with just an entry from the hall. Just close off the two "side doors" that go directly to the bedrooms. Or just lock one ...
by ResearchMed
Wed Sep 24, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1788

Re: The Paradox of Skill: Greater skill leads to more luck

Wait: "Greater skill leads to more luck" or "luck can have a larger effect when comparing those with skill"?

RM
by ResearchMed
Wed Sep 24, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Paradox of Skill: Greater skill leads to more luck
Replies: 11
Views: 1228

Re: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?

Isn't this for their "Total Return Fund" ETF? Isn't there a mutual fund class of this? Wouldn't the same problem apply? Or did it just involve during-the-day fluctuations? RM No. PIMCO has a venerable and extremely successful mutual fund named "PIMCO Total Return," PTTRX, and a ...
by ResearchMed
Wed Sep 24, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1528

Re: Does the McClellan Oscillator hold any merit?

You all sure "McClellan Oscillator" isn't a figure skating term?

:twisted:

RM
by ResearchMed
Wed Sep 24, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Does the McClellan Oscillator hold any merit?
Replies: 15
Views: 1068

Re: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?

Isn't this for their "Total Return Fund" ETF?

Isn't there a mutual fund class of this?
Wouldn't the same problem apply?
Or did it just involve during-the-day fluctuations?

RM
by ResearchMed
Wed Sep 24, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1528

Re: how to prevent medical expense catastrophe?

Yes the surgery was pre-authorized and approved. The codes I submitted after the surgery were the exact same as the codes that were pre-authorized. For this type of surgery, I think most are paid but I don't know actual percentage since I only hear about the denials. One of my friends is a surgical...
by ResearchMed
Wed Sep 24, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

Re: Take Social Security at FRA, or Early, or Delayed?

From a recent Motely Fool article: Why Taking Benefits at 62 Is Smarter Than You Think If you expect to live past 77, then you should wait until full retirement age to begin collecting benefits, as it's at this point when the gain from waiting overtakes the cumulative cost -- see "A" in t...
by ResearchMed
Wed Sep 24, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 49
Views: 2686

Re: how to prevent medical expense catastrophe?

I recently removed half a guy's jaw for a tumor and reconstructed it in an 8 hour surgery. Was the procedure pre-certified/pre-approved and were all the insurance company requirements followed and approved? Was the procedure different than what was pre-approved?What portion of your pre-approvals ar...
by ResearchMed
Wed Sep 24, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

Re: how to prevent medical expense catastrophe?

Right. I'd be happy to buy ACTUAL health insurance, i.e., catastrophic-only, with a deductible of $10k or so. I would imagine that the costs of such insurance would be pretty low, especially if underwriting were allowed to price the risk correctly. And who would get to decide what's a medical catas...
by ResearchMed
Wed Sep 24, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

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

One last thing: Vanguard and John Bogle did sue Dan Wierner: for appropriating the Vanguard name in huge type: http://www.nytimes.com/1993/03/21/business/wall-street-mutual-funds-that-cry-foul-copy.html I'm curious: What was the outcome? That little blurb from 1993 didn't include anything other tha...
by ResearchMed
Tue Sep 23, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: Take Social Security at FRA, or Early, or Delayed?

You might want to consider filing and suspending as soon as you reach your FRA. (I hope I've got the proper terminology for that process!) If you later "wish you had started taking SS earlier", and did NOT do this, you can, I understand, "go back" 12 months, and get your benefits...
by ResearchMed
Tue Sep 23, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 49
Views: 2686

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

In addition to technical analysis could do rattraders. Hedge fund rats by Tyler Cowen on September 23, 2014 at 2:00 am in Economics, Education | Permalink Why should trading be the province of humans only?: One project is Michael Marcovici’s Rat Trader. The book describes the training of laboratory...
by ResearchMed
Tue Sep 23, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3215

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

He doesn't have a "hot hands portfolio".

None of his four portfolios use his separate "hot hands" suggestion, as far as I can tell.

RM
by ResearchMed
Tue Sep 23, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: Any Experts in Reading Medicare Summary Notices?

These are the quarterly statements from Medicare for pt B expenses. In March the statement showed a $4K+ expense denied for a procedure performed as an outpatient. The denial code A meant: "This service cannot be paid when provided in this location/facility." In September, the same charge...
by ResearchMed
Tue Sep 23, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Experts in Reading Medicare Summary Notices?
Replies: 9
Views: 725

Re: Consulting fees: non working travel time

FWIW, my first time serving as an "expert" witness I learned something the hard way. Please consider googling yourself and ask your client's attorney to run a Lexis Nexus search and forward results. You need to see what the opposite side's attorney will see. ^ This is what I meant about t...
by ResearchMed
Tue Sep 23, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 30
Views: 1623

Re: how to prevent medical expense catastrophe?

Doing away with ALL "insurance" would leave an awful lot of us exposed for the costs of heart bypass surgery, an extended cancer treatment, extended recovery from a serious concussion, etc. My wife got a form of arthritis in her late 20s. She went through various moderate medical treatmen...
by ResearchMed
Tue Sep 23, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

Re: Dan Wiener

Well, are you a " Vanguard investor" or a " Boglehead investor?" Dan Wiener's specialty is shifting, switching, and market timing within Vanguard's actively managed mutual funds. He promotes a theory called "hot hands" which assumes some degree of momentum or persisten...
by ResearchMed
Tue Sep 23, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 18
Views: 2273

Re: how to prevent medical expense catastrophe?

Since there are several doctors reading and writing in this thread, I would like to ask: would it be better to eliminate insurance entirely? I have said for years that we need to return to paying our providers directly for service. The only reason many of us have health insurance at all is that hea...
by ResearchMed
Tue Sep 23, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

Re: how to prevent medical expense catastrophe?

Since there are several doctors reading and writing in this thread, I would like to ask: would it be better to eliminate insurance entirely? I have said for years that we need to return to paying our providers directly for service. The only reason many of us have health insurance at all is that hea...
by ResearchMed
Tue Sep 23, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7519

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

"abandoned baby: A very rare Japanese candlestick top or bottom reversal signal. It is comprised of a doji star that gaps away (including shadows) from the prior and following sessions' candlesticks. This is the same as a Western island top or bottom in which the island session is also a doji....
by ResearchMed
Mon Sep 22, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3215

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

"abandoned baby: A very rare Japanese candlestick top or bottom reversal signal. It is comprised of a doji star that gaps away (including shadows) from the prior and following sessions' candlesticks. This is the same as a Western island top or bottom in which the island session is also a doji....
by ResearchMed
Mon Sep 22, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3215

Re: Biggest discretionary expense in retirement?

Travel, while we can, definitely. We are just getting started, and we've got a lot of catching up to do :D We just hope that we'll be able to get to most of the places we want to go/see, before travel gets too difficult, especially the places where one needs to be at least a bit active. We recently ...
by ResearchMed
Mon Sep 22, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2915

Re: Consulting fees: non working travel time

... And since I'm being asked, I'd be dumb to not take advantage of it... Even if this does hurt a bit my 'do the right thing meter'... :o Your high standards on the 'do the right thing meter' might have suggested you as a consultant in the first place or may do so later ... ...my experience is tha...
by ResearchMed
Mon Sep 22, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 30
Views: 1623

Re: Consulting fees: non working travel time

RM, you're asking a lot of good questions... This will help me ask questions on my own in a day or two... :D My guess is a couple of trips from the east coast to the west coast. No clue where the trial will occur (if it does), but this will likely be another trip. Frankly, I don't expect that many ...
by ResearchMed
Mon Sep 22, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 30
Views: 1623
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