Search found 488 matches

Return to advanced search

Re: Expensive med. test not covered by insurance

CFTY Gene Com Varients $700 [$4045] Molecular Pathology Interp $24 [$81] Thyroxine; Free $8 [$92] FMR1 Gene Detection $954 [$0] Mopath Procedure Level 2 $2550 [$850] This is somewhat helpful. CFTR genotyping should cost maybe ~$200-400; $700 is expensive, $4045 is ridiculous FMR1 Gene detection sho...
by zebrafish
Wed Apr 09, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3856

Re: Expensive med. test not covered by insurance

Deleted based on information provided later...
by zebrafish
Wed Apr 09, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3856

Re: Expensive med. test not covered by insurance

Deleted based on information provided later...
by zebrafish
Wed Apr 09, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3856

Re: Expensive med. test not covered by insurance

Deleted based on information provided later...
by zebrafish
Wed Apr 09, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3856

Re: Expensive med. test not covered by insurance

Doctors, what would you do in a situation like this? Would you alert a patient if a group of tests could potentially cost them thousands out of pocket? Does your office call their insurance if there is a concern about coverage? I order DNA tests costing in the range of $500 to $6000+ almost every d...
by zebrafish
Tue Apr 08, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3856

Re: Bogleheads/Paul Merriman

Paul Merriman has a great podcast for someone who is just learning about indexing and investing. He is one of the "good guys". In the pure indexing vs. slice/dice/small cap value debate, Paul Merriman is in the latter category. His advice is generally Bogle-esque. Essentially, if you belie...
by zebrafish
Thu Apr 03, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3123

Re: Earthquake insurance in California

We carry it because: 1. Earthquakes happen here. 2. Our home is a substantial asset as well as a place to live where we choose to live. 3. We can't afford to rebuild it without using investment and retirement money that we want to live on, not put into our home. 4. We don't want to take out another...
by zebrafish
Tue Apr 01, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1435

Re: how to best support cancer research?

I don't think you can go wrong with the American Cancer Society. Both my spouse and I have received funding and done some ad hoc reviewing for them. This is a very good organization which is funding very important basic science and clinical research that will help discover new cancer treatments. Con...
by zebrafish
Sun Mar 23, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: how to best support cancer research?
Replies: 9
Views: 744

Re: Seeking advice on Fund Choices, AA, IRA Custodian, etc.

4. Up until a few years ago, wife was contributing to traditional 401k, but then started contributing to Roth 401k. When we look up the 401k online, it indicates it is a Roth 401k. We need to better understand how this is split, also on the to-do list. Currently, 100% of your contributions appear t...
by zebrafish
Wed Mar 12, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on Fund Choices, AA, IRA Custodian, etc.
Replies: 10
Views: 549

Re: Seeking advice on Fund Choices, AA, IRA Custodian, etc.

1. What is the best strategy to simplify the investments in order to achieve the three/four fund portfolio allocation? One strategy you might consider: 1) Sell all your Roth investments and consolidate them into single money market fund (still within each Roth) 2) Transfer the Roth(s) to Vanguard (...
by zebrafish
Wed Mar 12, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on Fund Choices, AA, IRA Custodian, etc.
Replies: 10
Views: 549

Re: Tipping for a haircut at Great Clips

I drop a 20 for haircut w/o shampoo.

C'mon people! These people are working hard for their money. Spare a couple bucks, already.
by zebrafish
Tue Mar 11, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: Any Subaru owners out there?

2009 Outback Wagon. It is the first Subaru I have owned.
A fantastic Car. Currently at 150,000k miles, taking a beating, and still going strong.
It has tons of room for tall people. I'm over 6 feet, and I have several inches of clearance.
I'd definitely buy another.
by zebrafish
Sat Mar 08, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4039

Re: Student loans and investing

What is the rationale to try to pay it all off now versus paying minimum and paying it off quickly once I am finished with residency? Well, I think you could make the argument that you fund a Roth now. But the rest of the money you have-- a guaranteed ~7% return on every dollar you put on the debt ...
by zebrafish
Tue Mar 04, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans and investing
Replies: 3
Views: 385

Re: Move to California means what $ ?

I'll chime in that the 10% state income tax is a real kick in the gut.
by zebrafish
Tue Mar 04, 2014 1:16 am
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4337

Re: Student loans and investing

You may need some cash towards the end of residency to move/relocate. You need an emergency fund. Your student loans have very high interest rate. Some here will tell you that you should do a Roth, because you'll never get that Roth space back in the future. I see the validity of this point. Persona...
by zebrafish
Tue Mar 04, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loans and investing
Replies: 3
Views: 385

Re: HELP! Medical costs

The level of service (III) may have to do with the number of history elements, physical exam elements, review of medical data, etc. documented by the M.D. This may have little to do with your subjective view of "severity" I would say $1400 for an ED visit, exam, irrigation, and wound closu...
by zebrafish
Thu Feb 27, 2014 1:10 am
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2832

Re: Genetic testing: financial implications

1) I assume a positive test result could preclude me from buying life insurance. See, e.g., http://www.sciencedaily.com/releases/20 ... 102109.htm If so, should I buy life insurance prior to getting tested? If I subsequently test negative, I can presumably cancel my coverage. Yes, it is recommended...
by zebrafish
Fri Feb 21, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: Genetic testing: financial implications
Replies: 11
Views: 976

Re: Job Offer Negotiation / Interview Snafu

I agree about waiting until after the offer. I always wonder about people who ask this question-- why are they asking this? Are they just going to come here and slack? I'm not sure that is a snafu, actually. Post-offer, you can probably get this type of information. But I think you have to be carefu...
by zebrafish
Wed Feb 19, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 15004

Re: Choosing between sub-par 401k funds & Roth IRA

I'm confused. If your 401k is half of your total retirement, and your desired large cap component is 50% of the total portfolio, why can't you invest all of your 401k in Spartan 500? Then the roth gets split up into the rest of the desired assets and allocations. But, I suppose by the end of the yea...
by zebrafish
Mon Feb 10, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between sub-par 401k funds & Roth IRA
Replies: 17
Views: 670

Re: Cord Blood? [Donating newborn cord blood to charity]

I don't see any reason now to bank cord blood. Expense is very high, and risk is very, very low for using it in current medical paradigm (if the donor needed a bone marrow transplant for some reason). In the future, we may use stem cells much more for "routine" medicine; however, for this ...
by zebrafish
Sun Feb 09, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Cord Blood? [Donating newborn cord blood to charity]
Replies: 16
Views: 1535

Re: Withdrawal Roth IRA to pay down student loans

There is no way I would cash out a retirement fund and pay a 10% penalty to pay off a student loan. Your income is pretty good. Get aggressive and use cash flow to pay down the debt.
by zebrafish
Fri Jan 31, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Roth IRA to pay down student loans
Replies: 9
Views: 489

Re: Resources for learning management techniques

It sounds like the OP has some good ideas about how to build the team back up. I think the advice about putting yourself in the other person's shoes is very helpful, and I agree that most people are not toxic jerks (though I have seen a couple), but rational human beings. I constantly battle this in...
by zebrafish
Fri Jan 31, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Resources for learning management techniques
Replies: 37
Views: 1940

Re: Resources for learning management techniques

Fallible wrote:Could not agree more on a mentor and for all the reasons you mention. I would add that there also are downsides to be aware of and the OP could google for those.


A good mentor can really be a win-win. Properly chosen, you can get good advice, and generally the mentor helps advance your career.
by zebrafish
Wed Jan 29, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Resources for learning management techniques
Replies: 37
Views: 1940

Re: Investing vs. Paying High Interest Student Loans

The student loan interest rate is high. It is not clear how much: 1) you can save per year towards down payment/debt payment, and 2) you plan to borrow when you purchase a home Both of these kind of factor into the equation. You have a good income. Why can't you pay down the student loans AND save e...
by zebrafish
Tue Jan 28, 2014 12:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing vs. Paying High Interest Student Loans
Replies: 7
Views: 542

Re: Resources for learning management techniques

I'm thinking I need to have a "put my foot down" sort of chat with the problem employee. He is still trying to bypass me for things he would have ran past our boss, such as schedule change requests, travel reimbursements, and so on. I was thinking something along the lines of "If you...
by zebrafish
Mon Jan 27, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Resources for learning management techniques
Replies: 37
Views: 1940

Re: Resources for learning management techniques

I'm not sure it is a lack of leadership/managerial training on your part. It sounds like your coworker is a selfish bitter jerk, and both you and he know you don't have a lot of power to make that person behave. No amount of "training" can overcome this problem in certain circumstances. If...
by zebrafish
Sun Jan 26, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Resources for learning management techniques
Replies: 37
Views: 1940

Re: Please help with 401K fund selection

Another option would be to choose 100% Wellington in the 401k and keep the Roth in LifeStrategy Growth.

Wellington is very near the desired asset allocation (75/25 vs 80/20) and it would be simpler approach. Wellington isn't purely index, but it has a lot of supporters in the Boglehead community.
by zebrafish
Sun Jan 26, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401K fund selection
Replies: 11
Views: 408

Re: Please help with 401K fund selection

I would invest to get the maximum employer match. One long-term option is to allocate the entire 401k contribution into the "Principal Global Large Cap S&P 500 Index 0.31" which is a low-cost index option, and then balance out the rest of the portfolio with funds in the Roth to create ...
by zebrafish
Sun Jan 26, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401K fund selection
Replies: 11
Views: 408

Re: If trading is a losing game, how do you explain prop fir

Insider trading, that's how I explain it Ding, ding, ding. + infinity There was a great episode of Frontline on PBS about this recently ("To Catch A Trader"). It did several things: 1) made me sick about how (some, but probably most) Wall Street traders, active mutual funds, and hedge fun...
by zebrafish
Sun Jan 26, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: If trading is a losing game, how do you explain prop firms?
Replies: 38
Views: 2946

Re: Only debt left is upside-down mortgage: What next?

My logic currently is that the money that goes into my Roth can always be used in the event I need to get out of my house abruptly within in the next 2 years, and be better served there than it would be in my money market account. I've also toyed with the idea of putting all $1700 "extra"...
by zebrafish
Tue Jan 21, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only debt left is upside-down mortgage: What next?
Replies: 24
Views: 2166

Re: Truck/Car Envy....How do You Deal with It?

I agree that life is short. I'm not disparaging those who are into cars, but I came to the personal realization that: 1) Vehicles immediately depreciate 2) A vehicle is a tool-- it gets you from A to B 3) Someone will always have a nicer car than you 4) Most people do not own their nice cars 5) I'd ...
by zebrafish
Tue Jan 21, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4419

Re: Only debt left is upside-down mortgage: What next?

It seems like you are looking for a job and that if you got another good job offer, that you would move if you could. Right now, it sounds like you can move by making less optimal financial moves (raiding a Roth, etc) Thus, I would probably use extra money to pay down the mortgage (or boosting your ...
by zebrafish
Tue Jan 21, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only debt left is upside-down mortgage: What next?
Replies: 24
Views: 2166

Re: Term life with medical history - best way to ensure cove

How about apply, answer the questions posed honestly, and see what quotes are provided?
by zebrafish
Mon Jan 20, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life with medical history - best way to ensure coverage
Replies: 12
Views: 568

Re: Seeking Advice - Job Change, Move, House, Kids

tibbitts wrote:Is there only one set of grandparents? You don't want to move to where one set of grandparents live, unless the other set lives there too, barring extraordinary circumstances.


It depends very heavily on the grandparent(s) and how they get along with you and the spouse in-law 8-)
by zebrafish
Sun Jan 19, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice - Job Change, Move, House, Kids
Replies: 19
Views: 689

Re: Seeking Advice - Job Change, Move, House, Kids

We (dual income) moved from a high COLA to a low COLA based on an out-of-the-blue job offer I received. We already had a toddler at the time. The move was absolutely trivial except for the usual mover snafus. Even so, it was not painful at all. It was more like going on vacation. If you have profes...
by zebrafish
Sun Jan 19, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice - Job Change, Move, House, Kids
Replies: 19
Views: 689

Re: Seeking Advice - Job Change, Move, House, Kids

I can also say that, depending on your line of work, it can be difficult to find the "perfect" job for two people moving to the same city at the same time. Are you freaking out too much about the expense side of it? Yes. Can you execute a long-distance move with an infant? Yes. Is it more ...
by zebrafish
Sun Jan 19, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice - Job Change, Move, House, Kids
Replies: 19
Views: 689

Re: Seeking Advice - Job Change, Move, House, Kids

1. Difficult to make a decision about a job where you haven't even interviewed; if it is a really good opportunity, I might take it. If your goal is to get to the midwest, this might be a great opportunity. Get all the information, then make a decision. 2. Kids do more than decrease your savings rat...
by zebrafish
Sun Jan 19, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice - Job Change, Move, House, Kids
Replies: 19
Views: 689

Re: Buried in Student Loans

I have 2-3 years before I graduate and odds are I won't stay at my first job for long enough to make sense to buy. I could see it being 10 years before we are stationary enough to buy, and by then maybe we can have a 50% down payment built up or the like I'm not sure what your plans are after schoo...
by zebrafish
Sat Jan 18, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buried in Student Loans
Replies: 20
Views: 2343

Re: POLL: Investing vs. pay down mortgage feelings

What if I've taken my extra money and split it among taxable investments and paying down mortgage.
It doesn't really fit into the poll answers....
by zebrafish
Sat Jan 18, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3834

Re: Medical specialty, longer residencies worth it?

Comment removed :)

Best of luck!
by zebrafish
Fri Jan 17, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 5719

Re: Spousal IRA contribution

I think this plan is ok.
by zebrafish
Fri Jan 10, 2014 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Spousal IRA contribution
Replies: 9
Views: 726

Re: Over Roth Income Limits - Where to put the money?

I see no reason why you cannot contribute to a backdoor Roth. See link provided by poster above.
by zebrafish
Thu Jan 09, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Over Roth Income Limits - Where to put the money?
Replies: 13
Views: 1125

Re: Help with sibling's school loans

There is no magic here. As Dave Ramsey (the get-out-of-debt master himself) says, your sibling needs to go "scorched earth" if they want to get out of debt. I would think the sibling could afford more than $400 per month. I wouldn't worry about the "number" of loans. I'm not sure...
by zebrafish
Thu Jan 09, 2014 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with sibling's school loans
Replies: 40
Views: 2070

Re: Am I blowing an opportunity? [To buy a home]

If I were in your shoes, there is no way I'd buy a piece of real estate. Being a remote landlord can be that "big mistake" that you are trying to avoid. I'd simply invest the money you save and buy property when you're ready to live somewhere long-term.
by zebrafish
Wed Jan 08, 2014 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I blowing an opportunity? [To buy a home]
Replies: 11
Views: 1748

Re: 28 yo in academia - limited options, advice on portfolio

With an 80 year old broker your husband should quickly work to get the cost basis information on all of those stocks from him before he retires. I think this is extremely important. If your broker drops dead tomorrow, who knows what kind of record keeping he has or what type of contingency planning...
by zebrafish
Tue Jan 07, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 28 yo in academia - limited options, advice on portfolio pls
Replies: 10
Views: 1082

Re: Auto Loan and Credit Card Balances

Um, you're netting about $35 bucks by not paying off the credit card now versus keeping the balance until October.

So by not paying off the credit card, you can go to Starbucks and have a latte every month-- but only once per month until October. Enjoy!
by zebrafish
Tue Jan 07, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Loan and Credit Card Balances
Replies: 6
Views: 360

Re: Settle Real Estate argument - what would you do?

Whoa ! It seems to me that a lot of folks here are overlooking that with a normal amortized mortgage you’re also gaining equity in the form of reduced debt, which is increasing your net worth using OPM (Other Peoples’ Money). That's a big factor in this case with such a low-rate and short time rema...
by zebrafish
Sun Jan 05, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Settle Real Estate argument - what would you do?
Replies: 22
Views: 2085

Re: The Funniest Movie Ever

Would add a darkhorse: "Lars and the Real Girl"
by zebrafish
Sat Jan 04, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Portfolio Advice-To pay down or not to pay down

If there is any way your wife can work even part time that can significantly speed up payment of those debts.

Could the wife farm with the tractor? :wink:
by zebrafish
Sat Jan 04, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice-To pay down or not to pay down
Replies: 7
Views: 599

Re: Settle Real Estate argument - what would you do?

I guess the flip side to this coin is refinancing into a 15 or 30 year mortgage-- if you could do this and reverse the cash flow to the positive side, this might make sense. At least, more sense than sitting in the current situation... But I would not sit and pay to have a rental property if I didn'...
by zebrafish
Sat Jan 04, 2014 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Settle Real Estate argument - what would you do?
Replies: 22
Views: 2085
Next

Return to advanced search