Search found 1067 matches

by Lieutenant.Columbo
Mon Feb 19, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 18
Views: 966

Re: Opening a taxable account in Vanguard Joint vs a Trust account

peppered077 wrote:
Mon Feb 19, 2018 5:09 pm
...a Vanguard brokerage account with Joint Tenants by Entirety (for asset protection...
ehem...The Bleak Future of Tenancy by the Entireties Holdings as an Asset Protection Tool
by Lieutenant.Columbo
Sat Feb 10, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1249
Views: 186132

Re: QSPIX - thoughts on interesting fund

stlutz wrote:
Sat Feb 10, 2018 8:13 pm
Swedroe naming a portfolio after himself
but on Dec 24 2013...
larryswedroe wrote:On December 23, 2011, Ron Lieber, financial columnist for the New York Times, wrote an article entitled "Taking a Chance on the Larry Portfolio" - and the "Larry Portfolio" (LP) was born.
by Lieutenant.Columbo
Sat Feb 03, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9325

Re: How risky is Med school student loan debt?

General Surgery with sub specialization will pay you well. I do bariatric and endocrine surgery, all elective cases, rare emergencies and pay is good. You can aim for 500-600K at about 5 years of private practice. is bariatric and endocrine surgery one or two sub-specialties? do you know of any oth...
by Lieutenant.Columbo
Sat Jan 20, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1762

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

DrGoogle2017 wrote:
Sat Jan 20, 2018 3:39 pm
What are the safe and good internal airlines within Europe?
Vueling
by Lieutenant.Columbo
Sat Jan 20, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1762

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

ITA Matrix was purchased by Google a few years ago. Thank you for this info. Does this make Google the best flight-search resource? Is the matrix data what one is accessing when simultaneously looking at multiple dates for the same itinerary? If you fly Norwegian Air, make sure you book on the Norw...
by Lieutenant.Columbo
Sat Jan 20, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1762

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Check out Norwegian Air. Last I looked it was something like $129 one way from LA. +1 - we (self and DW) booked our summer vacation (first 2 weeks of June) last month with Norwegian. LAX to ROME - total $540 for both and then back PRAGUE to LAX - total $681 for both - tickets are no frill - no chec...
by Lieutenant.Columbo
Sat Jan 20, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1762

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

I think you are better off using sign up bonuses from credit cards to knock the cost down. Then you can take a flight on a premium airline, with more flexibility. Doctor of Credit maintains a list of offers. So far I've had more points and miles than I can use, though I also travel a lot for work. ...
by Lieutenant.Columbo
Sat Jan 20, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1296

Re: Which tax software for 2017?

Thank you FBN2014 and Vulcan.
by Lieutenant.Columbo
Sat Jan 20, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1296

Re: Which tax software for 2017?

Vulcan wrote:
Sat Jan 20, 2018 9:41 am
I've been very pleased with Credit Karma's tax offering last year and plan to use it going forward. It is completely free, including state filing, no strings attached.
does Credit Karma help filing taxes for taxable investments and backdoor IRA? thank you
by Lieutenant.Columbo
Sat Jan 20, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 20
Views: 2290

Re: Contacting store after urgent care visit?

OnTrack2020 wrote:
Fri Jan 19, 2018 4:21 pm
would not expect them to pay the bill--to correct the problem of the splinters on the bench, yes, but not to pay the bill. That's what you have insurance for.
isn't this what the STORE has insurance for?
by Lieutenant.Columbo
Sat Jan 20, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1296

Re: Which tax software for 2017?

TT is definitely the best for trust tax returns. do you mean for a trust the grantors of which are no longer serving? or for a trust the successor trustee of which is already in office? I thought the first scenario did not require different tax filing procedures compared to before putting assets in...
by Lieutenant.Columbo
Sat Jan 20, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 18
Views: 966

Re: Opening a taxable account in Vanguard Joint vs a Trust account

rhodnius wrote:
Sat Jan 20, 2018 9:08 am
Our lawyer told us to fund the trust by designating the trust as the beneficiary in our retirement accounts
is the trust the primary or the secondary beneficiary of your retirement accounts? thank you
by Lieutenant.Columbo
Tue Jan 16, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1762

Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

We'd like to spend 2 weeks in Europe in 2018. It doesn't really matter when. We'll decide based on flight cost and overall flight duration. We know where we'd depart the US from and where we'd depart back from Europe. How/Where can I search for the best 2-week trip flights while not entering any dat...
by Lieutenant.Columbo
Wed Jan 10, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4233

Re: Living Trust - Will

how to address the issue of claims from spouses reaching through to assets passed on to child beneficiares though. If anyone has advice how best to go about this that would be appreciated! :D I learnt in this recent Topic that in order for a trust Not to terminate when beneficiary's age reaches the...
by Lieutenant.Columbo
Mon Jan 08, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4233

Re: Living Trust - Will

Thank you for this valuable insight. Do you have any thoughts on whether the successor trustee and the MPOA agent should or not be the same person? Would you name as successor trustee someone you trust 100% but who, while not in debt, is not (and is not likely to become) financially savvy? If 100% ...
by Lieutenant.Columbo
Mon Jan 08, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7076

Re: Lowball offer on a home

itstoomuch wrote:
Mon Jan 08, 2018 9:14 pm
We also bought a condo in August at 22% above ask :happy .
why would you pay 22% more than they asked for the condo? :wink:
by Lieutenant.Columbo
Sat Jan 06, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4233

Re: Living Trust - Will

... I've spoken to Vanguard about this and what happens in fact after my passing is that my accounts will be retitled in the name of the trust. It's for this very reason I reversed my earlier decision to give my trusted executor current account login/password information because it's a needless exe...
by Lieutenant.Columbo
Sat Jan 06, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4233

Re: Living Trust - Will

... my main account lists my trust as the beneficiary, so that my executor can establish an account from which to pay final expenses after which distributing proceeds to beneficiaries (I am aware of the tax downsides of naming a trust as beneficiary). 2015, would you have achieved the same goal by ...
by Lieutenant.Columbo
Sat Jan 06, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing a Trustee/Vanguard trust services?
Replies: 19
Views: 11410

Re: Choosing a Trustee/Vanguard trust services?

bumping thread to ask about Vanguard as trustee I bumped this to the top, to see if anyone else has had experience using Vanguard as trustee, and could update this thread. Small Law Survivor, were able to figure out if Vanguard was a good trustee choice for your case? Would you please any informatio...
by Lieutenant.Columbo
Sat Jan 06, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4233

Re: Living Trust - Will

... my main account lists my trust as the beneficiary, so that my executor can establish an account from which to pay final expenses after which distributing proceeds to beneficiaries (I am aware of the tax downsides of naming a trust as beneficiary). 2015, would you have achieved the same goal by ...
by Lieutenant.Columbo
Sat Jan 06, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Eight Very Basic Questions About Mutual/Index Funds
Replies: 21
Views: 2864

Re: Eight Very Basic Questions About Mutual/Index Funds

thank you lack_ey, alex_686 and grabiner for your replies
by Lieutenant.Columbo
Fri Jan 05, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Eight Very Basic Questions About Mutual/Index Funds
Replies: 21
Views: 2864

Three More Very Basic Questions About Mutual/Index Funds

Editing OP to add three super basic questions: 6. do big Small Value funds like VSIAX with over $29.6 billion in assets eventually hold all/most of the shares of the companies it invests in, since those companies have low capitalization? 7. do big Small Value funds like VSIAX with over $29.6 billion...
by Lieutenant.Columbo
Mon Jan 01, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1172

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

eye.surgeon wrote:
Mon Jan 01, 2018 7:19 pm
Your dealer will have an exact match touch up paint for your car or you can buy them on amazon.

Wash weekly, the goal is to get the salt off, wax perhaps 2-3 times a year.
thank you
by Lieutenant.Columbo
Mon Jan 01, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1172

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

Frequent washing and waxing will make a big difference. Use touch up paint to fill in any paint chips as exposed metal will rust rapidly. Paint chips on plastic bumpers obviously don't matter. any touch up paint brand you'd recommend? how often would you say is often for wash & wax in an close-to-o...
by Lieutenant.Columbo
Mon Jan 01, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1172

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

MO - there is almost nothing you can do to stop salt vapor corrosion. :( (or clean out your own garage)? I do not have a garage. I wonder if frequent car washes and waxing would help. The pre-BH Columbo in me would be totally against frequent car wax/wash, but I may actually wash/wash among other m...
by Lieutenant.Columbo
Mon Jan 01, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1172

Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

My car sleeps ocean front, outdoors (let's call it 1ST Street), about 300 ft (90 m) from ocean itself. I know the ocean/salt air will kill it. Just a matter of how soon. If you live or used to live by the ocean and did not have a garage, any tips for preventing/slowing down car deterioration under t...
by Lieutenant.Columbo
Mon Jan 01, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 48
Views: 3509

Re: Retirement accounts and physician SCorps

...My understanding is the pass-through S-distributions have to be limited in order to not reduce reasonable W-2 wages of a physician. For example, if a physician has $500,000 of compensation, you cannot classify that compensation as $100,000 of W-2 and $400,000 of S-distributions... goodenyou, Ass...
by Lieutenant.Columbo
Sat Dec 30, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: How to determine ‘reasonable compensation’
Replies: 9
Views: 1005

Re: How to determine ‘reasonable compensation’

We are switching to S-Corp starting Jan 1 2018. My biz partner and I will be W2 employees and have to specify our base salary. I’ve talked with two CPA’s and cannot get a straight answer. Surely there must be a way to calculate 'reasonable compensation’ based on relevant factors of your industry / ...
by Lieutenant.Columbo
Fri Dec 29, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managed Vol Strategies Work
Replies: 24
Views: 2347

Re: Larry Swedroe: Managed Vol Strategies Work

...how some of the various funds that are discussed in these articles/threads performed this year (thorough 12/28): QSPRX (AQR Style Premia): 12.32% AQMRX (AQR Managed Futures): -.86% AVRPX (Stone Ridge Variance): 10.58% LENDX (P2P lending): 6.38% SRRIX: (Reinsurance): -11.45% PCRIX (Pimco Commodit...
by Lieutenant.Columbo
Fri Dec 29, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 48
Views: 3509

Re: Retirement accounts and physician SCorps and Tax Reform

Self-employed refers to a sole-proprietor or partner paying SE tax. An S-Corp shareholder-employee paying FICA is not self-employed. I would definitely consult with a professional before taking such a significant act such as dissolving an S-Corp. There really hasn't been much time to fully understa...
by Lieutenant.Columbo
Wed Dec 27, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 48
Views: 3509

Re: Retirement accounts and physician SCorps and Tax Reform

What I find most interesting about all of this is the LLC loophole which is rarely talked about. S-corp thus far had the advantage of corporate income not being subject to SE tax. However as reasonable compensation is always higher than SS limit, the tax break was only in not paying Medicare taxes ...
by Lieutenant.Columbo
Tue Dec 26, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 201
Views: 103089

Re: How to pay ZERO taxes in retirement with 6-figure expenses

it's been awhile since there was an update to this thread started about 6 years ago. I have used H&RBlock to do our 2017 return. I am amazed at how things work out even though my spouse is working full-time. I am also amazed at how the tax calculators being used to compare the 2017 to the new 2018 ...
by Lieutenant.Columbo
Sun Dec 24, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: HDHP and HSA vs PPO
Replies: 15
Views: 1399

Re: HDHP and HSA vs PPO

I am seriously considering switching from a PPO to a HDHP with HSA. The PPO costs ~$5k/year and still has high deductibles outside of the annual preventive visit. The HDHP is ~$500/year and you get a $1000 company contribution to HSA. The benefits look to be the same as the PPO above the deductible...
by Lieutenant.Columbo
Sun Dec 24, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 7511

Re: Saving for the crash

DrGoogle2017 wrote:
Fri Dec 22, 2017 7:36 pm
What crash? I think bonds are more risky right now, I’m actually increasing my AA. We are a long term bull like the 80s...
DrGoogle2017 wrote:
Fri Dec 22, 2017 7:36 pm
...However, I tilt toward international, only lately...
DrGoogle2017 wrote:
Fri Dec 22, 2017 7:36 pm
...While since August, I titled toward US equities.
are these examples of "chasing returns" strategy?
by Lieutenant.Columbo
Sun Dec 17, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 198
Views: 26628

Re: My Favorite Alternative Funds

Alternative Risk Premia Fund (QRPIX) - Invest long and short across four different asset groups: Stocks & Industries, Equity Indices, Fixed Income and Currencies based on six investment styles: Value, Momentum, Carry, Defensive, Trend and Volatility . Style Premia Alternative Fund (QSPIX) - Invest ...
by Lieutenant.Columbo
Sat Dec 16, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 198
Views: 26628

Re: My Favorite Alternative Funds

Alternative Risk Premia Fund (QRPIX) - Invest long and short across four different asset groups: Stocks & Industries, Equity Indices, Fixed Income and Currencies based on six investment styles: Value, Momentum, Carry, Defensive, Trend and Volatility . Style Premia Alternative Fund (QSPIX) - Invest ...
by Lieutenant.Columbo
Sat Dec 16, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9622

Re: Terrible negotiation - need help with words to use [Buying a car]

1) Shop 3 dealerships and ask them to email you their best offer for the exact model and features you want. 2) Go into the dealership on the last day of the month about 60 minutes before closing. i bought a 1 year old car this way using the "blue book" and was able to purchase at the lowest of the ...
by Lieutenant.Columbo
Fri Dec 15, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Advice for Used Car Buying
Replies: 29
Views: 3616

Re: Advice for Used Car Buying

bumping topic: We need to replace a 15 year old minivan in the next 6 months and plan to once again buy a 2-4 year old car in cash and drive it until it dies. We have in mind 2 different replacement models (Mazda CX-9 and Nissan Rogue with 3rd row) based upon research, rides, etc and don't feel part...
by Lieutenant.Columbo
Fri Dec 15, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Documents Required
Replies: 8
Views: 1276

Re: Legal Documents Required

Are you asking about a testamentary trust for the inheritance of an adult? This is what I was asking. Say Grantor #1 creates a living trust for the benefit of her daughter, with language so that the successor trustee takes over control of trust assets for the benefit of Grantor #1 in case of incapa...
by Lieutenant.Columbo
Thu Dec 14, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Documents Required
Replies: 8
Views: 1276

Re: Legal Documents Required

bumping August topic: ...a trust to protect the survivors from creditors, bad marriages, and even themselves. That does not need to be created now, it can be created by the will upon death (testamentary trust). Minors cannot inherit in their own name, so a trust will be mandatory, however the surviv...
by Lieutenant.Columbo
Thu Dec 14, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66466

Re: My New Car Buying Tips

most of these tips also apply to dealership used-car buying, right?
by Lieutenant.Columbo
Thu Dec 14, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: your inheritance for young kids
Replies: 33
Views: 5507

Re: your inheritance for young kids

A lawyer who specializes in estates and trust will typically also have an LLM in tax. An LLM is an additional law degree post JD. LLM and CPA are entirely different things. The field of estate and trusts is very tax intensive and has to take into account current and future tax laws. Generally: [......
by Lieutenant.Columbo
Wed Dec 13, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: your inheritance for young kids
Replies: 33
Views: 5507

Re: your inheritance for young kids

what's the intent of the law requiring that trust beneficiary acting as trustee have a co-trustee in order for the trust to protect beneficiary from spouse+creditors?

I mean, why would the Law not like/allow/grant trust spousal+creditor protection if beneficiary were sole successor trustee? :?:
by Lieutenant.Columbo
Tue Dec 12, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: your inheritance for young kids
Replies: 33
Views: 5507

Re: your inheritance for young kids

... Made-up example: Say the trust beneficiary now acting as Sole trustee takes $30K from the trust and... 1. ...uses $10K for her own school tuition. 2. ...takes $10K for personal expenses (food, furniture/travel/language lessons/etc) 3. ...uses $10K for beneficiary's child's school tuition. Is th...
by Lieutenant.Columbo
Mon Dec 11, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: your inheritance for young kids
Replies: 33
Views: 5507

Re: your inheritance for young kids

we wouldn't mandate distribution at age 35. That would throw the assets into the beneficiary's estate for estate tax purposes, and expose the assets to the beneficiary's potential creditors, including spouses. We would have the client instead give the beneficiary effective control over the trust at...
by Lieutenant.Columbo
Sun Dec 10, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: your inheritance for young kids
Replies: 33
Views: 5507

Re: your inheritance for young kids

we wouldn't mandate distribution at age 35. That would throw the assets into the beneficiary's estate for estate tax purposes, and expose the assets to the beneficiary's potential creditors, including spouses. We would have the client instead give the beneficiary effective control over the trust at...
by Lieutenant.Columbo
Fri Dec 08, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Variable annuities Yes/No
Replies: 50
Views: 5774

Re: Variable annuities Yes/No

As with all things, it depends. The industry has made some changes to the commissions charged for these annuities as some insurers offer annuity products where there is no up-front commission but, rather an advisory-like fee each year of 1% or so. I would guess that most annuities are still sold wh...
by Lieutenant.Columbo
Mon Dec 04, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Variable annuities Yes/No
Replies: 50
Views: 5774

Re: Variable annuities Yes/No

In general, VA products are complicated which leads many products being sold without full comprehension of the buyer. For this reason alone, I would stay away from them. Also, not exactly in the insurer's wheel house right now given how low interest rates. Looks like your NWM broker is trying to br...
by Lieutenant.Columbo
Sun Dec 03, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10105

Re: Any retired boglehead doctors out there?

I'm a surgical subspecialist. My job is 4 days a week. This is what all my partners work as well. Not really "semi-retirement", but not working 5 days a week is absolutely key. I also mainly do work in the office (including procedures), and rarely do anything at a hospital, which I think is a huge ...
by Lieutenant.Columbo
Sun Dec 03, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10105

Re: Any retired boglehead doctors out there?

I'm a surgical subspecialist. My job is 4 days a week. This is what all my partners work as well. Not really "semi-retirement", but not working 5 days a week is absolutely key. I also mainly do work in the office (including procedures), and rarely do anything at a hospital, which I think is a huge ...