Search found 399 matches

by getthatmarshmallow
Sun Oct 27, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

I recently had to visit urgent care due to flu-like symptoms causing bad wheezing. The visit itself was very quick and efficient, which was fine by me, but the bill has arrived and it's for a 'doctor's visit -- long.' I saw the doctor for maybe five or ten minutes. (Looked in ears, throat, coughed,...
by getthatmarshmallow
Sun Oct 27, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

I recently had to visit urgent care due to flu-like symptoms causing bad wheezing. The visit itself was very quick and efficient, which was fine by me, but the bill has arrived and it's for a 'doctor's visit -- long.' I saw the doctor for maybe five or ten minutes. (Looked in ears, throat, coughed,...
by getthatmarshmallow
Sun Oct 27, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15097

Re: I no longer plan on retiring early

I think interest in FIRE in the USA is tied to our long hours and poor vacation policies. When I stopped working weekends and on-call, my interest in FIRE decreased a lot. I'm sure I'm giving up some salary, but work life balance is worth more. I think you're right. As an academic, the long summers...
by getthatmarshmallow
Fri Oct 25, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1311

Re: Where do you buy eyeglass frames online?

I like Zenni. I have a strong prescription and the 1.74 index lenses are worth the premium. Last pair ran me about $95 for nicer frames and the pricier lenses.
by getthatmarshmallow
Thu Oct 24, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6036

Re: What do Bogleheads think about House Hacking?

It's not a new thing - although the term is new to me. It's becoming more common or at least more talked about for millennials and I think it makes sense. For a single person it's not strange to have a roommate; having a roommate when you also own the property makes a lot of sense. It wouldn't be r...
by getthatmarshmallow
Wed Oct 23, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

I don't know how billing works. I'll just say that once, I stopped in at a doctor's office about twenty minutes after closing time because I'd left something of mine in an exam room. The door was open, nobody was at the front desk, so I wondered into the interior, and there were doctors busy as bee...
by getthatmarshmallow
Tue Oct 22, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

5 or 10 minutes sounds like a long office visit. You can probably double the amount of time he/she spent with you to get a total time involved in "patient care" that includes reviewing prior records, nursing notes, and documenting everything. Thanks, that's helpful. I don't doubt there's a lot of p...
by getthatmarshmallow
Tue Oct 22, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Urgent Care Billing Question: what's a "long" doctor's visit?

I recently had to visit urgent care due to flu-like symptoms causing bad wheezing. The visit itself was very quick and efficient, which was fine by me, but the bill has arrived and it's for a 'doctor's visit -- long.' I saw the doctor for maybe five or ten minutes. (Looked in ears, throat, coughed, ...
by getthatmarshmallow
Tue Oct 22, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11543

Re: Ok to go without health insurance?

Medical bankruptcies ruin people. $16k is nothing for you. This should be an easy call.
by getthatmarshmallow
Tue Oct 22, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5457

Re: Home buying advice: Build new or buy used?

Depends on your personal preference. We're DIYers, and our 1958 rambler has been perfect for us. The previous owners had upgraded the windows. We've done the kitchen, new furnace, and a water heater, and moved some walls in the basement. The only thing I want is a master bath and that will probably ...
by getthatmarshmallow
Tue Oct 22, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6036

Re: What do Bogleheads think about House Hacking?

It's not a new thing - although the term is new to me. It's becoming more common or at least more talked about for millennials and I think it makes sense. For a single person it's not strange to have a roommate; having a roommate when you also own the property makes a lot of sense. It wouldn't be ri...
by getthatmarshmallow
Mon Oct 21, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10293

Re: What percent of net worth should a persons house be?

I don't find the question of net worth helpful with respect to housing, because for us its primary function is somewhere to live. Our equity in the house is also around 40% of our networth. We did not buy too much house, but we've benefitted from a hot market. It makes more sense for me to consider ...
by getthatmarshmallow
Sun Oct 20, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3106

Re: SAT/ACT prep courses worth the money?

Familiarity with the course material does increase scores. Whether one needs paid-for test prep, especially if the student is motivated, is a separate question. I took it once in 10th grade and did moderately well (13-something back in ye olde days) as part of some program for accelerated kids. My d...
by getthatmarshmallow
Sun Oct 20, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6047

Re: Can you claim financial independence with kids still in school

Oh boy, this is indeed an eye popping discussion. I used to think American way was all supposed to be about getting independence and living life your way. That meant when you are young working hard, earn and spend your own dime, getting yourself up by the bootstraps, and go where you wish to go. Ha...
by getthatmarshmallow
Sun Oct 20, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6047

Re: Can you claim financial independence with kids still in school

If it were me, I'd sit down and figure out what I intended to support. College? House down payment? Include that as part of your FIRE calc but don't keep working for "just in cases" as there's no end to that.
by getthatmarshmallow
Sun Oct 20, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: $2,467 is a minimum emergency fund
Replies: 36
Views: 7722

Re: $2,467 is a minimum emergency fund

Neat read. Of course the research isn't meant to say "how big of an emergency fund should you have" but "what's the number that's worked for low income households.". Not going to change my plans.
by getthatmarshmallow
Wed Oct 16, 2019 3:52 pm
Forum: Personal Investments
Topic: Withdrawing 529 $ without penalty [what counts as a "scholarship"]
Replies: 8
Views: 1149

Re: Withdrawing 529 $ without penalty [what counts as a "scholarship"]

Thanks all. Digging a little deeper, it appears that any "tax-free educational assistance" may count toward penalty-free withdraws from 529 plans. According to Fidelity: "Examples include Pell grants, tax-free scholarships and fellowships, tuition discounts, the Veteran's Educational Assistance Pro...
by getthatmarshmallow
Tue Oct 15, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5271

Re: Should I invest in a ski in / ski out condo?

It doesn't sound like an investment to me, but: friends who have AirBnBs in ski country found to their surprise that their best season was summer. If you use your condo in the winter and Airbnb it for mountain bikers in the summer, maybe it makes sense for you. Most likely not, but something to cons...
by getthatmarshmallow
Tue Oct 15, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7685

Re: When is private (elementary) school worth it?

Didn't read all the replies. Your kid is probably gifted, and if so, the degree of giftedness he has will determine whether he will be able to thrive in a regular classroom. Having him tutor other students is inappropriate. It does nothing to challenge his mind, and it isn't his role to teach his p...
by getthatmarshmallow
Mon Oct 14, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 5820

Re: poor Boglehead sending my kids to college

I wouldn't be too dismissive of the state universities, especially if your kids' talents lead them toward engineering (typical SLACs don't have engineering programs.) I'm about a decade behind you but our plan is either a) kids can go where I work for basically pocket change or b) we'll pay for in-s...
by getthatmarshmallow
Sun Oct 13, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 1957

Re: How to prevent shoe creases?

I’m finding myself replacing shoes 2-3 times a year due to creases which look unprofessional. Is there a way to prevent creases, short of not bending over to pick anything up? Are more expensive shoes less prone to creasing? Trying to figure out the most economical way to wear leather shoes. As oth...
by getthatmarshmallow
Sat Oct 12, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Need help !!! US or Canadian universities?
Replies: 56
Views: 3439

Re: Need help !!! US or Canadian universities?

I don't think you should pay any of his education expenses. You are not in a position to do so. Reasonably priced loans and recently priced colleges and crappy part-time jobs abound. Community college start is also a way to cut costs. Maybe help him get established in the new town and act as a safe...
by getthatmarshmallow
Sat Oct 12, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7685

Re: When is private (elementary) school worth it?

Oh, on the talking/distraction point: my kid is the same way and we're considering it to be an early life lesson. Sometimes things are boring and we need to learn to deal with that.
by getthatmarshmallow
Sat Oct 12, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7685

Re: When is private (elementary) school worth it?

Can't speak directly to public vs. private, but my first grader is in the magnet gifted program for the district and it seems to be a good fit with respect to boredom. They do all the work for the curriculum in three days per week and get extra science and foreign language training. Kiddo is still b...
by getthatmarshmallow
Fri Oct 11, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 413
Views: 65443

Re: Good Modern Science Fiction

The Fall of Hyperion , by Dan Simmons. Book #2 of the "Hyperion Cantos" series picks up where the first book left off. I'm still enjoying the writing style; the plot holds my interest. Things are taking shape and I have no idea what's going to happen next. The final books in the series aren't quite...
by getthatmarshmallow
Fri Oct 11, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 413
Views: 65443

Re: Good Modern Science Fiction

The Fall of Hyperion , by Dan Simmons. Book #2 of the "Hyperion Cantos" series picks up where the first book left off. I'm still enjoying the writing style; the plot holds my interest. Things are taking shape and I have no idea what's going to happen next. The final books in the series aren't quite...
by getthatmarshmallow
Tue Oct 08, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7700

Re: Should I sell or keep my 5 year old depreciated Tesla

With respect, being a Boglehead doesn't entail owning a cheap car, but rather not buying cars needlessly,n o ? When it comes time to replace it, then think about being frugal, but for now the cheapest option is to hang onto the functioning, depreciating asset.
by getthatmarshmallow
Mon Oct 07, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 4558

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

re: PowMo - what's the best way to get there assuming we stay in PC? i presume renting a car? If you are staying in Park City, don't mess with Powder Mountain. Ski Park City or Deer Valley. I tend to agree, unless you're in SLC, which makes the trip mo. You'd need a car, and drive there or take the...
by getthatmarshmallow
Mon Oct 07, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 4558

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

i have been a couple times. it is incredibly convenient. been to Colorado as well. not nearly as convenient. at any rate, just want confirmation as well as recommendations of mountains. been to Park City/The Canyons, Snowbird and Brighton. would love to hit Powder Mountain but that seems far (about...
by getthatmarshmallow
Mon Oct 07, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8253

Re: Wedding Finances-Today

Twelve years ago we spent around $8000. 75 guests, reception with an open bar. My parents paid for the reception and I did the rest, including a $90 floor sample eBay find for the wedding gown and the invitations, pre-Cana classes and so forth. Spendy, but cashflowed it as a grad student and no regr...
by getthatmarshmallow
Mon Oct 07, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 4558

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

No. Utah is terrible. Expensive, awful inversions, mean locals, bad food, lousy accomodations, no snow, bitterly cold temperatures, lifts that break down all the time, expensive, inconvenient parking, too many snowboarders, and yetis. Stay away. This only applies to Alta/Snowbird. Interesting, I've...
by getthatmarshmallow
Sun Oct 06, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 14244

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

willthrill81 wrote:
Sat Oct 05, 2019 11:45 pm
CurlyDave wrote:
Sat Oct 05, 2019 1:00 am
And the other issue is how does one account for an employer match to a 401(k)?
It's part of your compensation and should be 'counted' as 'your' savings, which it is by any reckoning.
Agreed.
by getthatmarshmallow
Sat Oct 05, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62092

Re: Losing a job in your 50's...

You are being wise to pay close attention to the demographics as it will dictate your staffing, funding, etc... as the numbers rise and fall throughout the cycles. I was certainly aware of it, but most in our department thought we were immune to faculty cuts due to the high demand for our national ...
by getthatmarshmallow
Tue Oct 01, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4122

Re: Suggestions for good leather shoe?

A chukka boot would be good like https://bananarepublic.gap.com/browse/product.do?pid=493159002&cid=1032806&pcid=1032806&grid=pds_5_10_1&irgwc=1&clickid=W%3AxVsuVt0xyJRXuwUx0Mo3c3UknxsEy0eXo%3A0w0&ap=6&tid=braff4025845&siteID=brafcid383276&ak_t=C7E1F89B9E26A1643A4288DBBC0B287C17D5855CFF400000700B92...
by getthatmarshmallow
Mon Sep 30, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6512

Re: Do you know what your partner spends money on?

Yes, but it's not really a big deal. We agree on the big savings and long term goals, and the rest is just noise.
by getthatmarshmallow
Sun Sep 29, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 4558

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

i have been a couple times. it is incredibly convenient. been to Colorado as well. not nearly as convenient. at any rate, just want confirmation as well as recommendations of mountains. been to Park City/The Canyons, Snowbird and Brighton. would love to hit Powder Mountain but that seems far (about...
by getthatmarshmallow
Sat Sep 28, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9232

Re: Beyond Meat Burger? Do you like?

I didn't care much for it, but if you think of what it's meant to replace, it's comparable to Taco Bell ground beef. That's barely food in my book so the bar isnt high. The Impossible creator has said that the point isn't to be healthier, but to offer an alternative to beef that appeals to meat eate...
by getthatmarshmallow
Thu Sep 26, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20098

Re: financially clueless senior MIL who thinks she’s rich

It's not clear the extent to which she's been presented with the arguments. Regardless, having $400k in assets plus a pension doesn't make her bulletproof, but she's not wrong to think that she's in good shape. Maybe approach it from that angle?
by getthatmarshmallow
Thu Sep 26, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 109
Views: 18308

Re: Success stories of NOT buying more/too much house

It's too early to count us as a success, but we bought eight years ago in a LCOL area that's rapidly becoming a MCOL area. House is 2200 sq including the basement which is 95% finished and very usable. Lists at 1100 tho. Buying this house has turned out to be the best decision I made. We can afford ...
by getthatmarshmallow
Tue Sep 24, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9490

Re: Physical activity suggestions for a non athletic youth

BMI isn't perfect, but it's not a horrible screen. If you are freakishly jacked, you're obviously doing something to get there, and the two hours you spent powerlifting every day isn't going to come as a surprise. Regardless, the OPs kid is not, as a sedentary eleven year old, likely to be an outlie...
by getthatmarshmallow
Tue Sep 24, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9490

Re: Physical activity suggestions for a non athletic youth

I wanted to third or fourth the suggestions for strength training. I was an active but unathletic kid, and from what I remember about middle school, one of the frustrating things was that so many kids had what seemed like lots more natural athletic talent. Whether they were talented or not I can't s...
by getthatmarshmallow
Mon Sep 23, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9490

Re: Physical activity suggestions for a non athletic youth

Ah, missed the activity thing. Sounds like you have diet on point, but also keep in mind it's really common for kids his age to get wide before they get tall. Diet should be healthy, but he may very well grow into his weight.
by getthatmarshmallow
Mon Sep 23, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9490

Re: Physical activity suggestions for a non athletic youth

Is he active, but not sporty? Are you trying to get him into sports? Or are you thinking that he also needs to be active? These are different questions. My kid has loved the camaraderie of swimming lessons. Individual time in a half hour lesson isn't much, but watching other kids, cannonballs, and g...
by getthatmarshmallow
Fri Sep 20, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11587

Re: How do you spend money to gain time? (young family)

I think we should be wary of a false dichotomy between "must outsource respirators because it's impossible to breathe when there are kids" and "I save time by practicing intermittent clothing". One tip I would give is that a lot of chores are just about the discipline to start them and multithread t...
by getthatmarshmallow
Wed Sep 18, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29422

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

OP - well done! You are an inspiration for those willing to apply a smart and sensible approach to household budgeting and money management. Realizing good opportunities may be luck to some but it's also part of smart money management and takes work. As for improvements to your situation, you live ...
by getthatmarshmallow
Tue Sep 17, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11587

Re: How do you spend money to gain time? (young family)

I'll say I didn't have a lot of luck with grocery pick-up. I'd set the pick-up time, and then wait 45 minutes in the parking lot while they found someone to wheel out the order. As it takes me about 45 minutes to shop, all this meant was that I traded shopping with a two-year-old for a two-year-old...
by getthatmarshmallow
Tue Sep 17, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11587

Re: How do you spend money to gain time? (young family)

I'm just realizing how much time (and money) we save by not having a yard. As we consider moving to a SFH home, a large lot/yard is actually a negative. You're not wrong. I'm guessing you're in a condo now? I like having our yard and garage -- spouse is handy and fixing and making things is one of ...
by getthatmarshmallow
Tue Sep 17, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11587

Re: How do you spend money to gain time? (young family)

First off: you'll be out of the woods in two years, unless you have another kid. 4 and 1 is tough. 6 and 3 is pretty amazing. Second, we prioritized time over income: spouse works from home. He's in tech, and likely could see a salary increase if he were willing to take on a 3-hour commute. But bein...
by getthatmarshmallow
Tue Sep 17, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29422

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I'm confused. Is it impossible for someone to live on $115K in the Bay Area because it's no more than poverty wages, or is it a fabulously high salary undreamed of by the average joe that school teachers shouldn't be making? :twisted:
by getthatmarshmallow
Mon Sep 16, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: What does “Stay the Course” mean exactly?
Replies: 35
Views: 3150

Re: What does “Stay the Course” mean exactly?

Whenever this topic comes up I always think of Dana Carvey's George Bush impersonation... A thousand points of light.... I read "stay the course" as "ignore short term noise because it's irrelevant to your long term plans.". Of course distinguishing short term noise from a real reason to change pla...