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Re: Documentaries to recommend?

The Lottery of Birth Available on Amazon Prime and Hulu (http://www.hulu.com/watch/567185) From imdb: THE LOTTERY OF BIRTH is the first in a three-part documentary series entitled 'Creating Freedom' exploring the relationship between freedom, power and control in Western democracies. The series draw...
by gatorking
Thu Dec 11, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 91
Views: 7750

Re: HDHP: In-network vs self-pay

pancake19 wrote:I think what I am hearing from you is for in-network doctors they should charge me the insurance-negotiated rate even though I am going to pay 100% of that. This should/can then be compared to out of network doctors' no-insurance rate. Is that correct?

Yes.
by gatorking
Tue Dec 09, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP: In-network vs self-pay
Replies: 6
Views: 502

Re: How much homework is too much?

My child's elementary school teachers insisted that children spend no more than half hour on homework (even if it meant leaving it incomplete) and a minimum of 20 min reading.
by gatorking
Tue Dec 02, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How much homework is too much?
Replies: 14
Views: 1378

Re: Favorite nonfiction books

You could read through "What Book are you currently reading? Parts I though VI" for more recommendations.
viewtopic.php?f=11&t=147398&newpost=2271229

The first post has links to parts I through V.
by gatorking
Tue Nov 25, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9718

Re: Vegan Raw Food Diet

I would recommend adding sprouted beans to your diet. You could eat them raw or lightly steamed, if that is raw enough for you.
Most of all, I recommend being truthful to yourself about how you feel on any diet.
Good luck.
by gatorking
Tue Nov 25, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 33
Views: 3917

Re: Why I will fund retirement with TIPs ladder no matter wh

Those that save still have more than those who didn't, and are more practiced at LBTM . Apologies, but I sometimes suffer from Acronym Decoding Disorder. :) "LBTM" stands for . . . what? I'm guessing here: Living Below Their Means Beyond doesn't seem to fit the context of the sentence. :h...
by gatorking
Sat Nov 22, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 55
Views: 4935

Re: Life purpose revisited

Some of the lectures from Havard’s famous Positive Psychology 1504 are on youtube: https://www.youtube.com/watch?v=IwUecXRvnS0 And if you don't care for Positive Psychology I recommend The Antidote: Happiness for People Who Can't Stand Positive Thinking by Oliver Burkeman http://www.amazon.com/Anti...
by gatorking
Sat Nov 22, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 8982

Re: The mathematics of recouping loss

The graph doesn't care about compounding. It takes 62 consecutive 1% declines to get from 100 to 50 (50% loss) and 62 consecutive 1% increases to get from 50 to 100 (100% increase). I get 70 1% increases to get to 2 and 69 1% decreases to get to 0.5. Yes, you are correct. I was counting on memory a...
by gatorking
Fri Nov 21, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: The mathematics of recouping loss
Replies: 11
Views: 1266

Re: The mathematics of recouping loss

The graph doesn't care about compounding. It takes 62 consecutive 1% declines to get from 100 to 50 (50% loss) and 62 consecutive 1% increases to get from 50 to 100 (100% increase).
by gatorking
Fri Nov 21, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: The mathematics of recouping loss
Replies: 11
Views: 1266

Re: Assisted Living

I recommend http://atulgawande.com/book/being-mortal/
Not all assisted living facilities are created equally.
by gatorking
Tue Nov 11, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2253

Re: Food Frugality: Where do you draw the line?

Frugal doesn't mean miserly or stingy. From the Frugal Gourmet - "People criticize me for enjoying good food when I use the word frugal. Frugal doesn't mean cheap. It means you don't waste your money. They haven't read my books. They don't know the meaning of the word." http://en.wikipedia...
by gatorking
Tue Nov 11, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7650

Re: Should I (physician) get an MBA?

There was an article in The Atlantic on this just a couple of days ago.

http://www.theatlantic.com/education/ar ... ee/380683/
by gatorking
Thu Oct 02, 2014 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3783

Re: Gas Water Heater Upgrade worth the $$$

I have a fairly new electric water heater and a gas line piped to the location. It isn't worth it for me to trash the electric water heater and replace it with a gas heater. This is essentially the same situation you are in.
by gatorking
Sat Sep 27, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 2053

Re: USC vs. Columbia

Are you planning to become a teacher or an administrator? At what level?
by gatorking
Mon May 19, 2014 6:53 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1105

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

Instead of staying in Tusayan, I recommend driving to Flagstaff and staying there. If you choose to do this, you might want to stop in at Mother Road Brewing Co. http://www.motherroadbeer.com/?=verify
by gatorking
Mon Apr 07, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1385

Re: Laid off today... TODO list?

1. Activate family health plan on my wife's side (she works, but we were using my plan so far) You might have to wait until their open enrollment period. Between now and then you may have to take COBRA. This should count as a change in status, so you should be able to enroll in your wife's plan.
by gatorking
Wed Apr 02, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 12733

Re: Accept Job Offer from Company that Filed for Bankruptcy?

I say go for it. For some reason, I'm reminded of this episode of Star Trek: http://en.wikipedia.org/wiki/Tapestry_% ... eration%29
by gatorking
Wed Apr 02, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Accept Job Offer from Company that Filed for Bankruptcy?
Replies: 29
Views: 2706

Re: GPS with "favor interstates" option?

Try using the Waze app on a smartphone.
by gatorking
Wed Apr 02, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1677

Re: Two cent check from Vanguard

Use it to give people advice. :D
by gatorking
Tue Mar 18, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 2007

Re: Genetic Testing

From 23andMe: At this time, we have suspended our health-related genetic tests to comply with the U.S. Food and Drug Administration’s directive to discontinue new consumer access during our regulatory review process. In the future, you may be able to receive health-related results, dependent upon FD...
by gatorking
Mon Mar 17, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Genetic Testing
Replies: 10
Views: 1205

Re: Vested RSU's - I didn't sell them, now what

Ask yourself - if I had $XXXX in cash would I use it to buy my company stock? If the answer is No, sell the stock.
by gatorking
Sat Mar 15, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vested RSU's - I didn't sell them, now what
Replies: 16
Views: 1382

Re: Alternatives to paying full real estate commissions?

I've heard good things about Redfin.
by gatorking
Tue Mar 11, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to paying full real estate commissions?
Replies: 31
Views: 3005

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1455

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1455

Yet another 4% article

From Marketwatch: Now, J.P. Morgan is entering the fray with an alternative to the 4% rule of its own. ... The bank’s “Dynamic Withdrawal Strategy” adjusts both withdrawal rates and a portfolio’s investment allocations annually, in response to changes in both the markets and a retiree’s personal cir...
by gatorking
Tue Mar 04, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1455

Re: How much is a fair hourly fee?

Rick, By throwing out a number you have caused "anchoring", so I suggest that your responses are biased by this. http://en.wikipedia.org/wiki/Anchoring "In another study by Tversky and Kahneman, participants observed a roulette wheel that was predetermined to stop on either 10 or 65. ...
by gatorking
Mon Mar 03, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5190

Re: apple 4 or 5

- Apple works very hard on "planned obsolescence". Go with the latest version.
- A friend of mine upgrades his iPhone every 2 years. He has always made money on the cost of the phone by selling the unlocked 2 yr old phone for more than he paid for it.
by gatorking
Sat Feb 08, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: apple 4 or 5
Replies: 17
Views: 1214

Re: Any less expensive sources for Lipitor?

Ask your doctor why Lipitor. Can't Lovastatin do the job (on the $4 menu at Walmart)?
by gatorking
Fri Feb 07, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3566

Exercising stock options and wash sales

I received my Fidelity tax form today and was surprised to see losses disallowed due to wash sales. The situation is as follows On 12/2 exercised options cost basis $4000 and sale price $3975 for loss of $25 which by the way is the commission. The exercise and sell price are identical. On 12/13 exer...
by gatorking
Thu Feb 06, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exercising stock options and wash sales
Replies: 1
Views: 293

Re: Amazon Prime Auto Renewal

Change your payment method to a credit card that will expire before your Prime membership ends. Or call the credit card company and say you lost it, they will send you a card with a new number.
by gatorking
Wed Feb 05, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Auto Renewal
Replies: 7
Views: 3045

Re: Winter coats:

One detail that I consider important is the quality of the zipper- how easy is it to zip up with gloves on; does it tend to get caught in the fabric around it; does it open from the bottom (for long parkas, coats). The better the zipper, the more faith I have in the overall quality of the jacket/coa...
by gatorking
Wed Feb 05, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 4941

Re: 22 multiple rule

The obvious first answer is that it all depends on your annual expenses. But since most people have no clue what they spend each year (they likely would underestimate their annual budget), it's easier for the press to deal in multiples of annual salary, because nearly everyone knows what their annu...
by gatorking
Sun Feb 02, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: 22 multiple rule
Replies: 42
Views: 4450

Re: Joined the "Two Comma Club" Today

LFKB wrote: ... today I joined the two comma club today when my year end bonus hit my account.

LFKB wrote: Thanks. We're about 10% over now ...

That's one heck of a bonus!!
by gatorking
Fri Jan 31, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4640

Re: Best Comfort and Best Workout Clothes

Andyrunner wrote:Glad to hear I'm not the only serious runner sporting the target brand clothes!

Its a treat for me to go buy an expensive running top/bottom.


Are these labeled "C9 by Champion"?
by gatorking
Mon Jan 20, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 3755

Re: Stressless Recliners

Search for "zero gravity chairs".
Look for a "relax the back" store.
by gatorking
Thu Dec 26, 2013 10:00 am
 
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 22
Views: 4540

Re: What Book Are You Currently Reading? Part V

Mastermind: How to Think Like Sherlock Holmes - Maria Konnikova
Link to a review:
http://www.brainpickings.org/index.php/ ... -konnikova

Highly recommended.
by gatorking
Thu Dec 19, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234366

Re: Buying snow tires

When I lived in an area where I used snow tires I always got an extra set of the metal tire rims so that they could be easily and inexpensively changed each spring and fall. You should also plan on how you will move and store the four tires that are not on the car at any given time. If you have a c...
by gatorking
Sun Dec 15, 2013 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 4228

Re: Buying snow tires

I got a set of Blizzaks mounted on rims from Tire rack this year. I also chose to skip the tire pressure sensors. Had them delivered to my door and installed them myself. A breaker bar and a hydraulic floor jack make the job easier.
by gatorking
Sun Dec 15, 2013 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 4228

Re: dependent care and new job

No. At least not with my wife's dca - they are super strict about the dates. Would be worth contacting your hr department or the company that manages the dca directly though just incase it's different. Thanks for the reply. Is this an IRS rule? I could not find anything on the IRS website describin...
by gatorking
Mon Dec 09, 2013 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: dependent care and new job
Replies: 4
Views: 288

dependent care and new job

I started a new job on Nov 1st. Can contributions to dependent care FSA during Nov and Dec be used to pay for dependent care expenses incurred during the summer?
Thanks.
by gatorking
Mon Dec 09, 2013 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: dependent care and new job
Replies: 4
Views: 288

Re: Wine for daily consumption?

Corbett Canyon, Bota or Big House - all in a box.
by gatorking
Tue Dec 03, 2013 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5872

Re: Medical bills -- getting the discount without insurance

The reason you see so many differences in billing for the same thing by different providers is that is is also ILLEGAL to negotiate payment with an insurer by asking the guy down the street what he gets paid. That is collusion. Collusion has such evil undertones. HR people prefer to use "bench...
by gatorking
Mon Nov 25, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Medical bills -- getting the discount without insurance
Replies: 19
Views: 1523

Re: Promotion but will no longer receive equity - Need Opini

Moving into higher ranks usually means replacement of RSUs by Stock Options. Are you sure you are getting neither?
by gatorking
Sun Nov 24, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Promotion but will no longer receive equity - Need Opinions
Replies: 9
Views: 901

Re: google does math

sscritic wrote:You didn't limit the number of rocks per kid. Let the rocks pick the kids, not the other way around.


Good point!!
by gatorking
Fri Nov 22, 2013 11:37 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4200

Re: google does math

I think the correct answer is 24.
You can pick 3 rocks out of 4 in 4 ways.
You can distribute 3 rocks among 3 girls in 6 different ways.
Answer = 4x6 = 24.
by gatorking
Fri Nov 22, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4200
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