Search found 369 matches

by folkher0
Sat Feb 20, 2021 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's OBGYN will only refer her to one location.
Replies: 53
Views: 4575

Re: Wife's OBGYN will only refer her to one location.

I think the physician has a conflict of interest and isn't putting our considerations first. What are our options? Is our request unreasonable? If so, help me understand from the physician's point of view. Thank you for your time. Your request is reasonable. I doubt any decent doctor would object t...
by folkher0
Sun Jan 31, 2021 11:07 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4054
Views: 195392

Re: [GameStop GME trading mega-thread]

Sadly the idea that deep research in stocks can generate alpha continues to persist even after significant data shows otherwise. Active funds, who do this for a living do not consistently outperform their benchmarks. I read a lot of the WSB thread. It's sad. People FOMO, YOLO, putting their little ...
by folkher0
Sun Jan 03, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: One time water issue in basement
Replies: 44
Views: 2997

Re: One time water issue in basement

I think a sump pump, possibly with a French drain may be in your future. The storms of a few weeks ago were significant, but not historic. This scenario will happen again. When you have a sump, be sure to pay attention to its behavior in bad weather. It’s not a set it and forget it device. Learn whe...
by folkher0
Sun Dec 27, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: Subaru Outback Battery Problems - Dealer Response?
Replies: 26
Views: 2474

Re: Subaru Outback Battery Problems - Dealer Response?

2018 outback. Had numerous issues with dead batteries, weird electrical behavior, etc. the dealer swapped out the Head unit at least twice. They repeatedly tested the battery and told me it was fine. I had enough. I told them how disappointed I was with the product. In late 2019 I was nearing the en...
by folkher0
Wed Nov 25, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Gift for departing physician
Replies: 47
Views: 3951

Re: Gift for departing physician

I had a patient who was a phenomenal baker. Every time she came to clinic she would bring tons of treats. The entire staff marked the calendar when she was scheduled to see us. We were never let down. She brightened everyone around her and made routine days into something special. These are the type...
by folkher0
Tue Oct 13, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Starter Home vs. Forever Home
Replies: 60
Views: 5534

Re: Starter Home vs. Forever Home

FWIW, renting is not at all cheap or easy in the NYC area right now. We have been renters but our landlord will no longer renew our lease. If you have kids and you want to provide them with some stability the rental market around here feels quite unstable. Hence our decision to buy. And renting is s...
by folkher0
Tue Oct 13, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Starter Home vs. Forever Home
Replies: 60
Views: 5534

Re: Starter Home vs. Forever Home

Is this greater NYC? Might be helpful to add a little more info It is! :) Won’t say which area we are looking (NJ, Westchester, Long Island, or CT) but the same concept applies. Basically anywhere within a 30 minute train ride to Penn Station or Grand Central is essentially still city living (Plus ...
by folkher0
Tue Oct 13, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Starter Home vs. Forever Home
Replies: 60
Views: 5534

Re: Starter Home vs. Forever Home

Is this greater NYC? Might be helpful to add a little more info It is! :) Won’t say which area we are looking (NJ, Westchester, Long Island, or CT) but the same concept applies. Basically anywhere within a 30 minute train ride to Penn Station or Grand Central is essentially still city living (Plus ...
by folkher0
Sun Oct 11, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: How to introduce legos to my almost 5 year old boy?
Replies: 34
Views: 3625

Re: How to introduce legos to my almost 5 year old boy?

My 5 year old kid loves the themed sets. Batman. Star Wars, etc. he builds them, we sometimes help. Within a few days the model is destroyed, and he’s making his own new models out of the pieces. It’s great. The pieces eventually end up all over the floor. I usually step on them when I’m getting rea...
by folkher0
Tue Oct 06, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Travel to NYC for less than 14 days?
Replies: 42
Views: 2485

Re: Travel to NYC for less than 14 days?

I'm not sure why anyone would want to go to NYC now. She's taking a risk of getting sick or infecting others. She's potentially breaking the law. There's a lot happening there now that doesn't make it worth the trip. I have friends and family that have left the city. Those that could sell their apa...
by folkher0
Tue Oct 06, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Travel to NYC for less than 14 days?
Replies: 42
Views: 2485

Re: Travel to NYC for less than 14 days?

Please don’t come to New York unless you are willing to follow the rules. Please.

Please.
by folkher0
Thu Sep 24, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16279

Re: Physicians: Should I leave my job?

OP is offended that the wRVU accounting period isn't really the Jan-Dec calendar year, but in practice is more like October-September. Is this practice the norm, or is his hospital unique here? If anything, this sounds like a misunderstanding, and the resulting disappointment is "poisoning the...
by folkher0
Tue Sep 22, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16279

Re: Physicians: Should I leave my job?

I'm 36 years old and finished residency a little over a year ago and took the highest paying job I could find. I graduated with no debt as I had a side business that earned me around 100k/year throughout medical school and residency. I've done well in terms of making money from work, but not in ter...
by folkher0
Fri Sep 18, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 400
Views: 88146

Re: Physician Retirement Savings

I’ll be honest, I am a bit envious of all this wealth I am seeing, but then I think what I would need to do to get there as well and am completely turned off. I guess I will have to accept not living in $1million+ house or flying first class everywhere and that’s okay with us. Who knows maybe 10 ye...
by folkher0
Thu Sep 03, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3642

Re: Lead paint and house offer accepted

Lead in dust can be present in older houses and not as obvious as chipped paint. Aheavy truck rolls by and causes your old windows to vibrate. Dust particles are created and agitated. Think of a toddler crawling across a floor putting their hands on the floor and in their mouth. It’s not just about...
by folkher0
Sun Aug 30, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3642

Re: Lead paint and house offer accepted

I think the typical time there is lead/asbestos exposure is during home remodeling. The contractor crew may have to treat the house as if it had lead by draping furniture/floors and wearing face masks so they don't inhale it. If they do observe it, there may have to be a work order added to get rid...
by folkher0
Fri Aug 28, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3642

Re: Lead paint and house offer accepted

If you're on Bogleheads asking about this, chances are you're a good enough parent that you'll notice if your kids are eating paint. Lead paint is exceedingly common. I am not saying it isn't a hazard, but if you're diligent about making sure it's maintained and not being messed with, you don't hav...
by folkher0
Sat Aug 22, 2020 10:59 am
Forum: Personal Investments
Topic: Just received IRS CP2000 for 2018: Not sure what to do
Replies: 10
Views: 1645

Re: Just received IRS CP200 for 2018: Not sure what to do

Sounds like the way to go is to give them a call, which I wasn't looking forward to based on all the horror stories I've heard about Vanguard customer service. But it can't be worse than the IRS, right? My experience calling the IRS was very positive. I was pleasantly surprised at how knowledgeable...
by folkher0
Thu Aug 20, 2020 9:13 pm
Forum: Personal Investments
Topic: Just received IRS CP2000 for 2018: Not sure what to do
Replies: 10
Views: 1645

Re: Just received IRS CP200 for 2018: Not sure what to do

I would call the IRS and explain the situation. The letter they sent should have a phone number on it. I have found that them to be incredibly helpful and in my case the issue was easily resolved by faxing them the required forms.
by folkher0
Wed Aug 19, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4831

Re: Approach to "News" Consumption

In the US, the PBS NewsHour is the only televised news source I watch. I find it to be a good one hour recap on national and international news. I avoid the 24 hour networks. For print media find and support your local paper. I avoid the opinion pages. I read it to stay up to date on local issues. F...
by folkher0
Sat Jul 11, 2020 8:59 am
Forum: Personal Investments
Topic: Mid 40's and just starting out (or over)
Replies: 16
Views: 2501

Re: Mid 40's and just starting out (or over)

First of all, given the fact that you went to cash in March, I suspect it’s gonna be hard to ride out a 90/10 allocation. But honestly, given the relatively low amount you have saved, your asset allocation is less important at this point than your saving rate. You seem to have a reasonable income, b...
by folkher0
Sat Jun 20, 2020 11:43 am
Forum: Personal Investments
Topic: Hard to stay the course...
Replies: 38
Views: 4896

Re: Hard to stay the course...

How did you feel about bonds in 2018? You know, when they were down so much? Or the end of 2016 when they dropped relatively significantly relatively quickly? If you cannot remember those things, then in the future you won't remember anything about bonds that is happening now. I was 100% stocks unt...
by folkher0
Fri Jun 19, 2020 1:32 pm
Forum: Personal Investments
Topic: Hard to stay the course...
Replies: 38
Views: 4896

Re: Hard to stay the course...

How did you feel about bonds in 2018? You know, when they were down so much? Or the end of 2016 when they dropped relatively significantly relatively quickly? If you cannot remember those things, then in the future you won't remember anything about bonds that is happening now. I was 100% stocks unt...
by folkher0
Thu Jun 18, 2020 11:33 am
Forum: Personal Investments
Topic: Down Payment Savings Method
Replies: 31
Views: 2158

Re: Down Payment Savings Method

Does my logic make sense here? I was interested to see how the forum would view this idea. Thanks in advance. Your logic is flawed. I think you are confounding the expected returns of the investment vehicle (in this case REIT) with the value of home purchase. They may not correlate. They are both “...
by folkher0
Thu Jun 11, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Allow me to elaborate. Those cheap Chinese surgical masks are not really knock offs. They work and what we have been using at work in the hospital. Early batches of masks our hospital acquired were such masks. The boxes had Chinese writing on them and were a bit stiffer than the usual masks we used...
by folkher0
Thu Jun 04, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Industrial use respiratory protection for toxic and hazardous fumes and poisonous materials has also been in short supply and availability. Professionals needing them for daily work to protect their health are having a tough time. Not quite on topic for virus and medical matters.(Not going there on...
by folkher0
Wed Jun 03, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Industrial use respiratory protection for toxic and hazardous fumes and poisonous materials has also been in short supply and availability. Professionals needing them for daily work to protect their health are having a tough time. Not quite on topic for virus and medical matters.(Not going there on...
by folkher0
Tue Jun 02, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Here's what one study says about homemade face masks. An improvised face mask should be viewed as the last possible alternative if a supply of commercial face masks is not available, irrespective of the disease against which it may be required for protection. Improvised homemade face masks may be u...
by folkher0
Mon Jun 01, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Cruise wrote: Mon Jun 01, 2020 11:44 am
Didn't you post yesterday that you were done with this thread? :)
And yet I'm back. Sorry to disappoint you. I keep hoping this thread will die or be closed, but it keeps going.
by folkher0
Mon Jun 01, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

It's somewhat surprising and disappointing to me that seemingly no improved solutions have emerged after this much time. Or at least more consistent messages regarding mask usage. Even in this thead we have seemingly experienced people with completely different opinions. That’s the problem. No good...
by folkher0
Mon Jun 01, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

It's somewhat surprising and disappointing to me that seemingly no improved solutions have emerged after this much time. Or at least more consistent messages regarding mask usage. Even in this thread we have seemingly experienced people with completely different opinions. The general consensus amon...
by folkher0
Sun May 31, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Here's what one study says about homemade face masks. An improvised face mask should be viewed as the last possible alternative if a supply of commercial face masks is not available, irrespective of the disease against which it may be required for protection. Improvised homemade face masks may be u...
by folkher0
Sun May 31, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Unfortunately you seem to have missed the point of my post. I am a physician and know what a fit test failure feels like but that doesn't mean it is better or equivalent to fail a fit test with a N95 mask vs a cloth mask (a cloth mask would always fail the fit test). The truth is that no one knows ...
by folkher0
Sun May 31, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Unfortunately you seem to have missed the point of my post. I am a physician and know what a fit test failure feels like but that doesn't mean it is better or equivalent to fail a fit test with a N95 mask vs a cloth mask (a cloth mask would always fail the fit test). The truth is that no one knows ...
by folkher0
Sun May 31, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Unfortunately people have lost faith in the CDC and 50ish percent of the population have lost faith in our government. 11+ years ago the other 50ish percent have lost faith in our government. People get their information from places like this, facebook, and other internet sources. Right or wrong, i...
by folkher0
Sun May 31, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

The public activity that causes me the most anxiety is putting my hand on a metal gas pump. I owned a diesel vehicle for 10 years so got in the habit of using one glove on right hand to refuel. In my state all the parts on the pump you would touch have plastic covers. Seems like this would be a goo...
by folkher0
Sun May 31, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Low risk is getting gas, being at work where compliance is mandatory and people actually care, drive through food or pharmacy, etc. Our local credit union was doing a very good job, probably because most clients who show up in person are over 70, I’d put them in the low risk category. High risk/exp...
by folkher0
Sun May 31, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

Medically, N95 is about 50x better than a homemade mask. Since legitimate N95 are almost impossible to obtain, a surgical mask would be your next best bet. An N95 that is not fit tested is not much better than a surgical mask and has the potential to be worse. Can you point me to any peer reviewed ...
by folkher0
Sat May 30, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

What about eye protection (for the average person)? Sunglasses or ski goggles at the store? Not sure if this was discussed up-thread but I read about a US virologist (who had traveled globally pre-COVID) and was hospitalized was quite sure he had contracted the virus through his eye membrane on a f...
by folkher0
Sat May 30, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

ThankYouJack wrote: Sat May 30, 2020 10:16 pm
Thanks for the info. It's a small event for my kids that they've been working on for months and precautions / social distancing will be in place. We don't have to go, but I plan to so I'm there to support them.
Understand. Take care.
by folkher0
Sat May 30, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13451

Re: Face mask recommendations

I need to get some face masks for a public outdoor event coming up soon. We’ve been using a headband and painter mask for the rare outings but am looking for something better. Any recommendations? I guess it’s time for the weekly mask thread. Honestly, for non health care use, just about anything t...
by folkher0
Sat May 30, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 30
Views: 2672

Re: New iPhone SE?? has anyone bought and used one?

Mine arrived yesterday. Upgraded from 6s. First impressions: it’s fine. The experience is basically the same as the 6s with better battery, lighter and better camera. If you’re really into phones, this will probably not light you up. If you want something small, cheap and Apple that will get updates...
by folkher0
Sat May 30, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to be a new ophthalmology attending.... Successful job hunting?
Replies: 11
Views: 1511

Re: Preparing to be a new ophthalmology attending.... Successful job hunting?

It’s great that you want to help your child with a job search, but honestly, the search for the first job in specialty practice medicine is largely based on one’s personal network, including: 1. Reputation of training programs 2. Mentors who identify unadvertised positions byword of mouth 3. Academi...
by folkher0
Tue May 19, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3744

Re: Sources for N95 masks

If you abandon the N95 plan, look at some of the best cloth masks with a filter pocket and filter. I have seen some research showing that the best of these can be better at protecting the wearer than a surgical mask. +1. +2 BusinessInsider.com (link below) wrote about an independent lab’s testing o...
by folkher0
Tue May 19, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3744

Re: Sources for N95 masks

In my opinion you will not derive much additional benefit over a standard surgical mask from wearing an N95 unless you: 1. Fit test the particular brand/style mask you are wearing 2. Know how to wear it properly 3. Don’t remove it for the duration of the exposure Unless you do those things, you are...
by folkher0
Tue May 19, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3744

Re: Sources for N95 masks

In my opinion you will not derive much additional benefit over a standard surgical mask from wearing an N95 unless you: 1. Fit test the particular brand/style mask you are wearing 2. Know how to wear it properly 3. Don’t remove it for the duration of the exposure Unless you do those things, you are...
by folkher0
Mon May 18, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3744

Re: Sources for N95 masks

In my opinion you will not derive much additional benefit over a standard surgical mask from wearing an N95 unless you: 1. Fit test the particular brand/style mask you are wearing 2. Know how to wear it properly 3. Don’t remove it for the duration of the exposure Unless you do those things, you are ...
by folkher0
Thu May 14, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12479

Re: Dentist Billed insurance for D1999 (unspecified preventive procedure, by report) - PPE?

(Grabs a bowl of popcorn, puts legs on coffee table)

Here we go again. I can’t wait to read this thread (again).
by folkher0
Thu May 14, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12479

Re: Dentist charges $10 for PPE

Dentist here. I haven't read past the first few responses. We are charging $25 starting soon for procedures (not consults). There is no profit in this, it's just covering the costs calculated for increased costs in PPE. As our costs increase, this gets passed on to the customer. We used to wear lev...
by folkher0
Wed May 13, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12479

Re: Dentist charges $10 for PPE

Lots of variables here but many good points have been made. We call our patients to confirm appointments and let them know our new process and that there will be a $10 PPE fee. Our patients have been happy to pay it. I believe our staff does a great job of informing everyone what the cost is for an...