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Re: Career Advice for an Unhappy Young Doctor?

Friend of mine was a cardiologist. Gave it up and went to work for one of the major health insurance companies. Never looked back. Has all kinds of perks, excellent salary, etc. etc. It's working for the 'other' side. You're using your expertise to see if something should be allowed or not allowed. ...
by ripete
Sun Nov 09, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13259

Re: Brother involved with golddigger

Wow. Many, many interesting responses here, and so much wisdom in them. Sadly, in affairs of the heart, the one who's closest usually wins. So, for all the logical things that could or might or should be done, it may simply be gut wrenching time as your kin goes down this path which you view as fill...
by ripete
Sat Nov 08, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8219

Re: Where to with Cash?

I have to laugh. Many years ago, when I first started working in my chosen profession, I had the honor of working with a man who had emigrated from Canada. He'd lived on a farm, and in fact, had a working farm in upstate NY, in addition to his professional endeavors. One day, I had a question, and h...
by ripete
Sun Nov 02, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to with Cash?
Replies: 34
Views: 2765

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

I'm just going to repeat what others have said, because I feel the more you hear it, the more you might believe it to be true. 1)Don't be envious of those with more. It can lead to a lot of negativity. Rather, think of where you've been, where you are now, and where you might hope to be. 2)Don't tak...
by ripete
Sat Oct 04, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14524

Re: Age 30, should I buy 30 year term?

Well, I'm going to buck the trend here. You say you can buy $2,000,000 worth of life insurance, level term, for 30 years, for $118.00 per month. You say there's a probablity of marriage at some point in the future with children. You say one can never predict the future. I would jump all over this. Y...
by ripete
Sat Oct 04, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age 30, should I buy 30 year term?
Replies: 10
Views: 929

Re: Question about medicare, myself, and spouse

OK, here are some details. 1) I will be working at least until 66 2) I currently pay 100% of my health care insurance premium 3) I live in NY 4) I am 99% certain that, upon ending work at 66, there will be no further insurance offered to me. We have an insurance broker who gets us a group rate, but ...
by ripete
Thu Sep 25, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 835

Question about medicare, myself, and spouse

Could someone please explain the options that will become available when I reach Medicare age? My spouse is a little over 4 years younger than I am, which means she's not eligible for medicare for that period of time. Are you better off just keeping regular insurance for the two of you, or is it bet...
by ripete
Thu Sep 25, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 835

Re: The Roosevelts, PBS special

It was interesting to me how both TR and FDR had challenges similar to what we see today. We tend to think that we live in a new era...and yeah I guess it is. But history does seem to rhyme. My thoughts exactly, as I was watching. eerie how similar the times, choices, public opinions, politics, etc...
by ripete
Sat Sep 20, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8675

Re: Rather macabre but necessary question

I can only tell you this. I worked with a fella who had quite a bit of money, was pretty conservative, and retired at 65. Shortly thereafter, he was diagnosed with colon cancer. He was very optimistic in the beginning, but he would tell us that 'golden years...b/s!". He said travel while you ca...
by ripete
Sat Sep 20, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6518

Re: Buying a home with aluminum wiring?

Don't know if it's a code violation, but it's something that you should definitely have an electrician talk to you about before you purchase. If you've already laid down the deposit, then ask how much it would cost to bring up to specs. That was the standard at the time.
by ripete
Tue Aug 19, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 5102

Re: I Hit My Number Today!

Thank you, Homer!
by ripete
Sat Jul 05, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3402

Re: I Hit My Number Today!

I have to admit, I'm fascinated by the term of 'hitting one's number'. It seems oddly reminiscent of playing the casinos at Vegas more than having attained a lifetime's goal. That being said, this has also been termed 'critical mass', if I am correct, by Bob Brinker (Bob Brinker Markettimer). Ionly ...
by ripete
Fri Jul 04, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3402

Re: Suggestions for teaching new MDs about finance?

I don't recall the title, but I read a book by Jane Bryant Quinn decades ago. I used it as a template for making financial decisions. Also, I was fortunate to come into contact with three different modes of investing in my first job. One was in favor of Vanguard, a second was in favor of zero coupon...
by ripete
Sat Jun 28, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Suggestions for teaching new MDs about finance?
Replies: 39
Views: 2811

Re: Is Medical School Worth it Financially?

I have not read all the posts. Far from it, I read about two. However, one of those posts hit the nail on the head. Not everything in the world is measured in money. There are all kinds of things, like job satisfaction, interpersonal relationships, a sense of helping out, etc. etc. A friend of mine ...
by ripete
Mon Jun 23, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5508

Re: Made the $5 million club, but...

Firstly, congratulations upon reaching that milestone at what really is a young age. Now, a small word from me. Take it or leave it. It's just a thought, really. You mention how you like watching your net worth continue to grow. Well, that's natural enough, as we all tend to think that more, bigger,...
by ripete
Mon Jun 16, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7296

Re: How to deny having a stroke?

The fact that you live in these United States and are privvy to an excellent health care system should not be a benefit that you ignore. Minimizing things is all too common in human nature. We all do it. We all deny. To have been diagnosed, as opposed to unknowlingly walking around with it, is truly...
by ripete
Sun Jun 08, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: How to deny having a stroke?
Replies: 13
Views: 1807

Re: Stock Market to Plunge? What a friend said.

This thread reminds me of a small encounter I had at the bank in September of 2008. I was going to one of the multiple ATM's at the bank, when a lady, for no apparent reason, decided to take me into her confidence. "I'm getting my money out of my investments," she exclaimed. This came duri...
by ripete
Tue May 13, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6222

Re: HELOC to pay off student loans?

In answer to your question about going 'sour', I'm referring to taking the money and investing it in the stock market instead of using it to pay down debt. Some people will tell you to take out 75,000 HELOC (for example), pay back 50,000 of your student loan (made up the numbers) and use the differe...
by ripete
Wed Apr 30, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC to pay off student loans?
Replies: 33
Views: 5423

Re: HELOC to pay off student loans?

Regarding the point made about using the HELOC money to invest (presumably earning a higher return than the % interest of the HELOC), I have only one thing to say: DON'T DO IT! It is gambling, pure and simple, with money that really isn't yours in the first place. You are hoping that everything will...
by ripete
Mon Apr 28, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC to pay off student loans?
Replies: 33
Views: 5423

Re: I'm having a baby! College savings questions

It's like anything else. It'll be a life milestone. But you don't have to panic now. Really. Think of it this way: if you didn't have enough for a home downpayment, do you think you'd be on the street? No! You'd rent. You'd figure something out until you were financially able to do that thing. And y...
by ripete
Mon Apr 28, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm having a baby! College savings questions
Replies: 14
Views: 3687

Re: Presentation for Retiring Physicians

I think you would want to lay out some of the following: 1) estate plans (if not already done), to include options of trusts (both revocable and irrevocable, the advantages and disadvantages of each) 2) current and future allocation of assets, readjustments or lack thereof for the newly and soon to ...
by ripete
Sat Apr 19, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 807

Re: All-inclusive resort vacation for $2K??

We love Cancun area. We usually book via cheapcaribbean.com Very reasonable. Soup to nuts. Stayed last time Valentin Imperial Maya 5 nights airfare all inclusive approx 3400 (even less if you don't want to insure yourself with trip cancellation for 'any reason') Also, May is trending toward lower fa...
by ripete
Tue Apr 15, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2609

Re: Social Security benefits question

Once again, the knowledge base displayed on these boards is staggering.
by ripete
Sun Apr 06, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits question
Replies: 8
Views: 509

Re: Social Security benefits question

Thank you so very much for explaining this to me. Much appreciated. What, though, are 'bend points' and could you possibly explain why those zeroes could be advantageous?
by ripete
Sun Apr 06, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits question
Replies: 8
Views: 509

Social Security benefits question

I read today that Social Security uses a 35 year period of your highest working income to determine what your benefits will be. Two part question: If you work less than 35 years, do they only consider the number of years you worked, i.e. 28 years, OR do they add in 7 years at zero dollars per year t...
by ripete
Sun Apr 06, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits question
Replies: 8
Views: 509

Re: Options for the medical grad but no residency

Wow. Awful lot of comments here, and I may be repeating someone else's. I can understand completely, as your wife is a new mom, herdesire to not do a residency at this time. I can only say(I'm the husband), that mom may always find something that will preclude her from making a total commitment to s...
by ripete
Sun Mar 23, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9428

Re: Time for a new car?

Firstly, you need a new car. Congratulations, you got a lot of mileage out of a car that's 14 years old! It's time! It's time! Now, as far as the choice to buy or lease, here are my thoughts, based on personal experience. I had a Sentra, drove it 108,500 miles, stick shift, had it for about 9 years,...
by ripete
Sun Mar 02, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 26
Views: 1327

Re: Filling in a backyard pool/input wanted on cost-benefit

When we moved into our house (over 20 years ago), it was a fixer upper. One of the more disgusting parts of the house was a totally deteriorated backyard, which was really completely made up of a pool. The deck was broken and deteriorated, and the pool water itself was dirt brown with summer type li...
by ripete
Wed Feb 26, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filling in a backyard pool/input wanted on cost-benefit
Replies: 22
Views: 1968

Re: Can't install Adobe Flash Player

Been there, done that. They uninstalled the latest verson of IE 11 and reinstalled earlier versions. They uninstalled and re-intalled adobe flash player. We ran the gamut. Just use google chrome. This must be something in IE 11 that corrupts the registry key and can't be corrected.
by ripete
Sun Jan 12, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Can't install Adobe Flash Player
Replies: 10
Views: 890

Re: PenFed Visa card for Gas program changing, now with a fe

No, I'm at 3%, but I have none of the other products listed.
by ripete
Sun Jan 12, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 30361

Re: Can't install Adobe Flash Player

Had the same exact problem. Have McAfee Techmaster. They spent hours with me trying to correct the problem, even sending up to one of their 'senior techs'. Bottom line. I was told they would have to restore the computer to factory presets. I declined. P.S. This problem is only with internet explorer...
by ripete
Sun Jan 12, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Can't install Adobe Flash Player
Replies: 10
Views: 890

Re: The Funniest Movie Ever

Ron, right there with you bro. "It's a Mad, Mad, Mad, Mad World" Maybe not the funniest ever, but it's right up there. But there are so, so many funny movies, from so many genres. Dr. Strangelove , M*A*S*H, Bananas(lots of Woody Allen movies), National Lampoon's Animal House, The Odd Coupl...
by ripete
Fri Jan 03, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15422

Re: road noise in your car

A lot of it has to do with the road surface. There is a highway near home that has had (to date) one side repaved with tar. The other side is (I believe) a concrete surface. Driving on the tar side is heaven whereas driving on the other side requires you turn up the volume on the radio. Tires can he...
by ripete
Sun Dec 29, 2013 9:31 am
 
Forum: Personal Consumer Issues
Topic: road noise in your car
Replies: 27
Views: 2206

Re: It Was A Very Good Year

Thanks for the link to that youtube recording studio of Sinatra. How good was that! First time I heard that song, I was younger than the title, now, older than Frank was when he recorded it. Gives you pause. Gives you pause.
by ripete
Wed Dec 25, 2013 3:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: It Was A Very Good Year
Replies: 15
Views: 3192

Re: What kind of Life Insurance do I need at age 57,please h

Firstly, I agree with the posted answer already give. To elaborate, however, let's think this through a bit. The purpose of life insurance should be to provide for your loved ones should you have an untimely demise. That being said, the number I've heard quoted is 7 times yearly income. This, howeve...
by ripete
Mon Dec 16, 2013 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: What kind of Life Insurance do I need at age 57,please help
Replies: 10
Views: 1038

Re: Opinions on NML disability insurance - Feedback apprecia

As a fellow physician, be careful that your disability specifies your own subspecialty. You are a pediatrician. You don't want them to say that you may not be able to function as a pediatrician, but you can function, for example, as a radiologist. "Physician" in and of itself, is too broad...
by ripete
Sun Dec 01, 2013 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on NML disability insurance - Feedback appreciated
Replies: 3
Views: 293

Re: Questions regarding larger portfolios

To echo the comment already posted. You have already won the game. It's time to step away from the table. You could place it in US Treasuries, in bank deposits, and gold, and also buy a really big mattress. Congratulations on your success. I think if you're in the low to mid 8 figures, you shouldn't...
by ripete
Wed Dec 26, 2012 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions regarding larger portfolios
Replies: 10
Views: 1410

Re: 45 and wondering if I should stop investing altogether?

Forgive me. I haven't read all the posts here, so I may be repeating others' advice. Firstly, it sounds as if you are simply a bit burned out by day trading. Getting up at the wee hours on a consistent basis is no way to run your life. It's not good for you, nor for you wife and children, in the lon...
by ripete
Sun Jun 17, 2012 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 45 and wondering if I should stop investing altogether?
Replies: 67
Views: 7853

Re: Applying to Medical School

I have to echo a lot of the sentiment here. I know of people who have gone to state schools and have done quite well. On the other hand, I know of some who have gone to the 'best' schools and haven't fared as well. Of course, I do agree with the sentiment expressed on this thread that if you have th...
by ripete
Mon Jun 04, 2012 5:25 am
 
Forum: Personal Consumer Issues
Topic: Applying to Medical School
Replies: 34
Views: 2434

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