No surprises for college but we had done a lot of research.
Our surprise came when our child graduated and was offered a job out of state. Moving expenses, deposits for apartment and utilities, furnishings, clothes for job, etc all added up.
We were so focused on college expenses, we forgot to think about what happens after college.
Search found 257 matches
- Tue Sep 01, 2020 1:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: College Costs and Cash Flow
- Replies: 9
- Views: 1152
- Thu Aug 20, 2020 3:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did any inheritance make positive effect on your life?
- Replies: 229
- Views: 23090
Re: Did any inheritance make positive effect on your life?
I grew up in poverty and never received anything from family. In fact, I will be responsible for helping my parents financially. The repercussions of growing up the way I did (for me) mean dealing with ongoing anxiety and needing therapy. I wouldn't wish growing up in poverty on anyone and I strive to give my children the things I did not have.
For the people on here who have said that receiving a low to mid-level seven figure inheritance didn't change their lives - you have blown my mind. A gift of a few thousand dollars in my twenties would have been life changing for me.
For the people on here who have said that receiving a low to mid-level seven figure inheritance didn't change their lives - you have blown my mind. A gift of a few thousand dollars in my twenties would have been life changing for me.
- Thu Aug 20, 2020 3:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I entitled to bring in my own real estate agent after a showing by the listing agent?
- Replies: 39
- Views: 5421
Re: Am I entitled to bring in my own real estate agent after a showing by the listing agent?
If I call the listing agent for a house just to see it, am I entitled to later bring in another agent to represent me if I want to make an offer? Can the listing agent insist they want to be the only agent involved? Also, more specifically, if a listing agent shows me a house, could I, for example, bring in Redfin later to re-show the house and represent me if I made an offer? Thank you. Could you elaborate on why you think it would matter to listing agent? The price is the price is the price, bring whoever you want , including relatives, friends, grandma, etc. if you want to make an offer then make an offer, it is not like you are getting a lower price because you with with/without another agent.. Because if you live in a state where the ...
- Tue Aug 18, 2020 6:58 pm
- Forum: Investing - Theory, News & General
- Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
- Replies: 419
- Views: 32554
Re: Financial Samurai says safe withdrawal rate is .5 percent?
I looked in personal investments but didn’t see anything. Thank You.
- Tue Aug 18, 2020 6:55 pm
- Forum: Investing - Theory, News & General
- Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
- Replies: 419
- Views: 32554
Financial Samurai says safe withdrawal rate is .5 percent?
[Thread merged into here, see below. --admin LadyGeek]
Bogleheads,
Is there anything to this or is it just click bait? Wondering if I should plan differently and save more.
https://www.financialsamurai.com/proper ... awal-rate/
Bogleheads,
Is there anything to this or is it just click bait? Wondering if I should plan differently and save more.
https://www.financialsamurai.com/proper ... awal-rate/
- Mon Aug 17, 2020 8:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: College costs for 4 kids -- is my plan unrealistic?
- Replies: 31
- Views: 3243
Re: College costs for 4 kids -- is my plan unrealistic?
If the high school or a club has rowing (crew), that's one of the easiest and most lucrative scholarships to achieve. This is absurd. I am very well informed about high school, college, and masters rowing. For young men, scholarships are almost unheard of. And for young women, it is very hard to obtain a meaningful scholarship that makes it worth getting up at 4:00 am and working out twice a day until you have blood coming from the callouses on your hands. This comment shows no respect for the level that Division 1 athletes are competing at. Edited to add: I can't tell you how many mis-informed parents I have seen sign their daughters (and a few sons) up for rowing thinking it was their meal ticket to paying for college. I can count on one...
- Mon Aug 10, 2020 10:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Large windfall - impact on financial plan
- Replies: 29
- Views: 4123
Re: Large windfall - impact on financial plan
Not expecting salaries to go up but in 2 years daycare goes away for two children which will be a major boost to savings. Right now we plan to both work for 5-10 more years so we get at least 5 years with no daycare costs. Hoping that is enough to then drop to on income or just retire. Even when the kids are in school you will still need to pay for things like after school care, summer care, school holiday care, and figuring out how to care for a kid with a cold, etc. Don't expect to free up a lot of that day care money. Going to have to echo Watty's insight here. I have daycare costs as well, but I'm baking those into my expenses going forward even after they're out. Ultimately the money you're getting is great, but my sense is that retir...
- Sat Aug 01, 2020 9:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Custom Home Thoughts
- Replies: 103
- Views: 9569
Re: Custom Home Thoughts
In many cultures, multigenerational living IS the norm. It has nothing to do with good or bad parenting.123 wrote: ↑Sat Aug 01, 2020 8:39 pm By the time it's done and ready to move in (say 2 years) you will be on the verge of downsizing with the kids near leaving the nest.
Of course if you and your spouse haven't been good parents the kids won't leave and may even add to the household with spouses, grandkids, etc. If that happens a "compound" may very will be needed.
- Sat Jul 04, 2020 6:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: College in fall
- Replies: 549
- Views: 57815
Re: College in fall
That's a financial risk I would not take. Approximately $24,000 for what will most likely be online learning for most of the year is too expensive for a WSU degree, IMO. If it was an elite school, I might feel differently. I have to think this will take a toll on enrollment. I may be missing something, but I just don’t see how this is even a conversation. I know that many parents and students might be concerned about losing a coveted spot at a flagship school like WSU if they attend elsewhere in the interim, but it just makes zero sense to me to take online classes there. In these times, I’m encouraging young people to look at CLEP and DSST testing for credit, and online classes from a plethora of fine institutions at lower cost. In WA, th...
- Sat Jul 04, 2020 6:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: College in fall
- Replies: 549
- Views: 57815
Re: College in fall
A friend's son is going to Washington State University in the fall. Freshman will be in single units. She says they are required to sign a contract that families will pay for the full year of housing and meals even if the school shuts down the campus. Has anyone else heard of this happening at other schools? Yes, it's happened at many. It seems a bit draconian to some, but the universities have fixed expenses that must be satisfied. If students and parents want to at least attempt to have the face-to-face interaction, that's seemingly the price that must be paid. Given the uptick nationwide in cases, it seems inevitable to me that many, perhaps most, of the universities that are currently 'planning' on face-to-face classes will revert back...
- Sat Jul 04, 2020 4:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: College in fall
- Replies: 549
- Views: 57815
Re: College in fall
A friend's son is going to Washington State University in the fall. Freshman will be in single units. She says they are required to sign a contract that families will pay for the full year of housing and meals even if the school shuts down the campus. Has anyone else heard of this happening at other schools? Yes, it's happened at many. It seems a bit draconian to some, but the universities have fixed expenses that must be satisfied. If students and parents want to at least attempt to have the face-to-face interaction, that's seemingly the price that must be paid. Given the uptick nationwide in cases, it seems inevitable to me that many, perhaps most, of the universities that are currently 'planning' on face-to-face classes will revert back...
- Sat Jul 04, 2020 3:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: College in fall
- Replies: 549
- Views: 57815
Re: College in fall
A friend's son is going to Washington State University in the fall. Freshman will be in single units. She says they are required to sign a contract that families will pay for the full year of housing and meals even if the school shuts down the campus.
Has anyone else heard of this happening at other schools?
Has anyone else heard of this happening at other schools?
- Tue Jun 30, 2020 8:50 pm
- Forum: Personal Consumer Issues
- Topic: Landlord expectations: Rats in the yard
- Replies: 80
- Views: 8044
Re: Landlord expectations: Rats in the yard
If you don't get rid of the food source, new rats will just move in once the others have been trapped or poisoned.
- Tue Jun 16, 2020 8:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Parents in a tough situation for retirement
- Replies: 117
- Views: 15706
Re: Parents in a tough situation for retirement
I got a text from my brother saying we needed a family meeting to discuss my parents retirement coming up in a few years. He mentioned they were in a tough spot for retirement and wanted us to all agree on a plan. I don't really want to be a part of any of it let alone dragged into it financially. I had set up a retirement account for my father years ago but he withdrew it all and wiped out all of the retirement assets over starting a failing business in 2018 against my advice that it would impact his retirement... and now the time is nearing. I'd never want that responsibility for me to fund my parents retirement so I'm trying to avoid that conversation with my family. It tends to be my family vs me (father, mother, brother) when it comes...
- Mon Jun 15, 2020 12:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Can we afford this mortgage
- Replies: 24
- Views: 2525
Re: Can we afford this mortgage
I’m confused.
Is your house a $900k house with a $700k cash out refi or a $2.5 million house that’s close to being paid off?
And why the cash out?
Is your house a $900k house with a $700k cash out refi or a $2.5 million house that’s close to being paid off?
And why the cash out?
- Sat Jun 06, 2020 3:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Advice for going out on our own and becoming our own boss
- Replies: 10
- Views: 1402
Re: Advice for going out on our own and becoming our own boss
That thread is very helpful. Thank you!ICMoney wrote: ↑Sat Jun 06, 2020 7:05 amAs a sole proprietor, I use a solo 401k that allows mega backdoor Roth. I wrote about my experience here if it is helpful: viewtopic.php?f=1&t=302493&p=4992829#p4992829Regattamom wrote: ↑Sat Jun 06, 2020 1:14 am
Information about retirement accounts for sole proprietors would be helpful if anyone has advice. I’ve been reading up on it, but came away confused.
Thanks.
Best, ICM
- Sat Jun 06, 2020 1:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Advice for going out on our own and becoming our own boss
- Replies: 10
- Views: 1402
Re: Advice for going out on our own and becoming our own boss
Thanks for the replies.
Regarding healthcare, I will look into the issue of out-of-network coverage. We are fortunate that our county has a lot of plans to choose from.
Information about retirement accounts for sole proprietors would be helpful if anyone has advice. I’ve been reading up on it, but came away confused.
Thanks.
Regarding healthcare, I will look into the issue of out-of-network coverage. We are fortunate that our county has a lot of plans to choose from.
Information about retirement accounts for sole proprietors would be helpful if anyone has advice. I’ve been reading up on it, but came away confused.
Thanks.
- Fri Jun 05, 2020 7:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Advice for going out on our own and becoming our own boss
- Replies: 10
- Views: 1402
Re: Advice for going out on our own and becoming our own boss
Thoughts: 1. How many years of living expenses do you have saved until business net income is enough to replace prior employment earnings? We don't need to replace prior earnings as we make more than we spend. We would not leave without having a contract(s) in place to cover 75 percent of our expenses. We have savings that would keep us afloat for years if we didn't get more contracts. 2. Health insurance. Have you checked on ACA rates? Just beginning. 3. You do not need an LLC at all or right away. DBA Sole Proprietor. Thank you 4. Compartmentalize. Keep all business and personal accounts and money separate. 5. Start up expenses are deductible. 6. Do you have clients in place already? We would before we jump. 7. If clients are from prior e...
- Fri Jun 05, 2020 6:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Advice for going out on our own and becoming our own boss
- Replies: 10
- Views: 1402
Advice for going out on our own and becoming our own boss
My DH and I are looking for advice on what to expect if he leaves employer and we start our own consulting business.
What options are available to us for retirement accounts?
Benefits of forming an LLC?
Any books that are helpful?
Tips on shopping for health insurance?
We are just starting to research so any advice will be helpful.
Thank you
What options are available to us for retirement accounts?
Benefits of forming an LLC?
Any books that are helpful?
Tips on shopping for health insurance?
We are just starting to research so any advice will be helpful.
Thank you
- Thu Apr 02, 2020 3:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Are your personal expenses down during stay home and shelter?
- Replies: 180
- Views: 15999
Re: Are your personal expenses down during stay home and shelter?
I have to ask, because $500/week for dining out is something I can’t even imagine, why? I don’t mean to be negative or harsh as obviously it’s affordable for you and by all means spend your money how you choose, I just can’t imagine that $26,000 yearly in food could easily be halved and saved in regular times. I didn't dare ask this. Thanks for asking. Not to mention the health effects of eating out that much. Add the alcohol in. Yikes. I guess you don't care about a long retirement if you eat $500 out per week. How would you know what the OP cares about or even eats, for that matter? While I don't spend that much eating out, I do know that you can eat high quality, healthy food at fine dining establishments. And if you are in a VHCOL area...
- Wed Apr 01, 2020 10:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: College choice dilemma
- Replies: 167
- Views: 11468
Re: College choice dilemma
Vanderbilt.
But to previous posters, the OP said son got full tuition to Vanderbilt, not full ride. Room and board and other expenses would still need to be paid at Vanderbilt if it’s truly only full tuition.
But to previous posters, the OP said son got full tuition to Vanderbilt, not full ride. Room and board and other expenses would still need to be paid at Vanderbilt if it’s truly only full tuition.
- Sun Mar 29, 2020 2:18 am
- Forum: Investing - Theory, News & General
- Topic: The end of cruise ships [cruise line stock prices]
- Replies: 248
- Views: 29675
Re: The end of cruise ships
The odds of a shutdown of the Alaska cruise season this summer seem high. Do you have any basis for this comment? The last time I checked, Alaska was part of the US, so I can't understand why shutting down the Alaska cruises would be any different than banning all domestic airline flights. What am I missing here? The British Columbia health minister has called for closing BC ports to cruises. Seattle is restricting public gatherings of more than 250 people, which would be a defacto port closure ( and first two port stops of the season cancelled). The cruises all have to stop in both countries. Those Alaskan port towns don't have resources to deal with a major outbreak. Several smaller west coast ports have closed to cruise ships (Santa Bar...
- Wed Mar 04, 2020 11:33 am
- Forum: Personal Consumer Issues
- Topic: Coronavirus: Why Are People Buying Water?
- Replies: 61
- Views: 5329
Re: Coronavirus: Why Are People Buying Water?
I think partly it's because people are also revisiting emergency supplies at a time like this. Where I live, you should have emergency water on hand for earthquake preparedness. And if you have to leave your home, you can't use the water in your water heater.
- Mon Mar 02, 2020 4:57 pm
- Forum: Investing - Theory, News & General
- Topic: Coronavirus and the market
- Replies: 4089
- Views: 397203
Re: Coronavirus and the market
SeaTac airport was eerily empty at noon today.Corsair wrote: ↑Mon Mar 02, 2020 4:52 pm Seattle now says 6 have died (+2 from this morning)...
"At a news conference in downtown Seattle, County Executive Dow Constantine said he had signed an emergency declaration and is in the final stages of buying a motel where patients can recover in isolation. The motel should be available later this week."
https://www.seattletimes.com/seattle-ne ... -5-deaths/
Close to home; hope everyone stays safe.
- Sat Feb 29, 2020 9:18 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
Re: [Why aren't forum members following the "Stay the course" approach?]
Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor. It's apparent to me now that my assumptions of the Boglehead forum were not correct. Wow. "... the Boglehead forum IS CORRECT"? Everything else is... WRONG? Not everyone drinks the same Kool Aid. And not everyone is in the same financial/age/philosphical circumstances. As one example, there are those who cannot strictly "follow THE Boglehead philosophy for religious reasons. For them, some OTHER philosophy is "correct". Ditto for other philosophies/strategies. Does OP *never* read or try to understand anything that is at all "different"? Never? One might learn useful things from broadening one's horizo...
- Sat Feb 29, 2020 9:06 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
Re: [Why aren't forum members following the "Stay the course" approach?]
Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor. It's apparent to me now that my assumptions of the Boglehead forum were not correct. Wow. "... the Boglehead forum IS CORRECT"? Everything else is... WRONG? Not everyone drinks the same Kool Aid. And not everyone is in the same financial/age/philosphical circumstances. As one example, there are those who cannot strictly "follow THE Boglehead philosophy for religious reasons. For them, some OTHER philosophy is "correct". Ditto for other philosophies/strategies. Does OP *never* read or try to understand anything that is at all "different"? Never? One might learn useful things from broadening one's horizo...
- Sat Feb 29, 2020 8:26 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
Re: [Why aren't forum members following the "Stay the course" approach?]
Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor.
It's apparent to me now that my assumptions of the Boglehead forum were not correct.
It's apparent to me now that my assumptions of the Boglehead forum were not correct.
- Sat Feb 29, 2020 8:18 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
- Sat Feb 29, 2020 7:49 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
Re: Disappointed in forum members
Would you prefer a different word? Let me think...
- Sat Feb 29, 2020 7:37 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
Re: Disappointed in forum members
I've read the post.7eight9 wrote: ↑Sat Feb 29, 2020 7:21 pm Staying the course sounds all well and good. Until you see your net worth evaporating and retirement going out the window.
When that is the case it might be useful to remember Taylor Larimore's thread "Maximum Tolerable Loss" -- Not just a fear factor where he outlined when one should get out of the equity market.
viewtopic.php?t=30085
I'm not saying we are at that point necessarily now but there is no obligation to stick around in equities when it will cause you economic harm.
But the money I need for retirement would not be in equities if it could not stand the drop. That's how I determined our asset allocation. I guess I'm conservative.
- Sat Feb 29, 2020 7:07 pm
- Forum: Investing - Theory, News & General
- Topic: [Why aren't forum members following the "Stay the course" approach?]
- Replies: 379
- Views: 33831
[Why aren't forum members following the "Stay the course" approach?]
[Title was "Disappointed in forum members" --admin LadyGeek] I expected more from the members on this forum. So many people asking about selling now and buying back in later and lots of people are agreeing it's a good idea. What happened to the Boglehead philosophy? Why be here if you don't believe in it? And I wonder if it makes new people second guess their choices or disregard the data we have available to us. I have not been a member for very long, but I believe in the Boglehead philosophy. I am staying the course, continuing with our plan and not looking at my balances. My asset allocation will remain the same. It can be hard to stay the course, and I thought this forum would be a good place for that kind of reinforcement. T...
- Thu Feb 27, 2020 9:07 pm
- Forum: Personal Investments
- Topic: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.
- Replies: 17
- Views: 2064
Re: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.
No, this does not seem excessive. What amount were you expecting to be withheld?
- Sat Feb 15, 2020 4:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I crazy to consider quitting my job?
- Replies: 128
- Views: 16577
Re: Am I crazy to consider quitting my job?
My perspective: There is NOTHING more important than loving parents raising their children and teaching the family values that are important to the parents. That means if you can spend time with them showing you care, you value their activities by being there, you are there for the bumps and bruises of daily life, and you can still provide for their physical needs of food, shelter, and some fun social interaction - go for it. The memories and values you provide and teach to your children cannot be replaced by day care workers or baby sitters. My very best wishes for your family. I'm somewhat biased on this topic as my wife only worked for a couple of years when our kids were pre-k age. My wife being there for them was truly a blessing that...
- Wed Feb 05, 2020 10:15 am
- Forum: Personal Finance (Not Investing)
- Topic: Can we afford to build this house?
- Replies: 38
- Views: 5285
Re: Can we afford to build this house?
Looking back at your post from a little over a year ago:
Why did your target cost for a new home go from $1.5 - $1.7 million to $2.7 million in one year? That's a huge jump.
Why did your target cost for a new home go from $1.5 - $1.7 million to $2.7 million in one year? That's a huge jump.
- Wed Jan 29, 2020 6:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Sanity check on home purchase
- Replies: 13
- Views: 1860
Re: Sanity check on home purchase
Betterment of the family situation means different things to different people. It's not always about the . Surely, you understand this?
- Sun Jan 12, 2020 6:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need ideas on what to do with deferred income to reduce EFC for college
- Replies: 29
- Views: 1875
Re: Need ideas on what to do with deferred income to reduce EFC for college
The issue I am running into is if colleges lower costs with "aid" that could already include the loans to $20k (roughly) and I can only afford $15k, what do I do? Get a home equity line of credit to pay the rest? Stop retirement savings? (someone suggested that higher up and that would free up money) Get a second job? (Something I am considering because once she moves to college, I am essentially an empty nester with no family nearby, what else am I going to do with my time), etc. To the last poster, you understood correctly. There is $25k in a 529 and I can afford $15k a year (it will be tight for me, but I can spare it). I didn't know about the tax credit. Thanks for the tip. But can't you afford more than $15k? You currently h...
- Sun Jan 12, 2020 4:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need ideas on what to do with deferred income to reduce EFC for college
- Replies: 29
- Views: 1875
Re: Need ideas on what to do with deferred income to reduce EFC for college
The issue I am running into is if colleges lower costs with "aid" that could already include the loans to $20k (roughly) and I can only afford $15k, what do I do? Get a home equity line of credit to pay the rest? Stop retirement savings? (someone suggested that higher up and that would free up money) Get a second job? (Something I am considering because once she moves to college, I am essentially an empty nester with no family nearby, what else am I going to do with my time), etc. To the last poster, you understood correctly. There is $25k in a 529 and I can afford $15k a year (it will be tight for me, but I can spare it). I didn't know about the tax credit. Thanks for the tip. But can't you afford more than $15k? You currently h...
- Sun Jan 12, 2020 12:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need ideas on what to do with deferred income to reduce EFC for college
- Replies: 29
- Views: 1875
Re: Need ideas on what to do with deferred income to reduce EFC for college
I don't think OP is trying to eliminate the income, just defer it. I understand the math, but I think the OP is creating other issues by jumping through all these hoops.
OP - Take the raise from your boss, accept the money from mom and see what schools offer your daughter. It will all be fine in the end even if your daughter has to take on some loans.
OP - Take the raise from your boss, accept the money from mom and see what schools offer your daughter. It will all be fine in the end even if your daughter has to take on some loans.
- Fri Jan 03, 2020 8:16 am
- Forum: Personal Finance (Not Investing)
- Topic: Getting married, spouse low/no-income. What to do?
- Replies: 15
- Views: 3335
Re: Getting married, spouse low/no-income. What to do?
+1
And before this gets into a debate over whether it's better to have/be a SAHP, I would say that you and your wife should do what is best for your family. Drown out the noise because it can get ugly.
- Thu Jan 02, 2020 7:23 pm
- Forum: Personal Consumer Issues
- Topic: Help me choose a pulmonologist
- Replies: 50
- Views: 4748
Re: Help me choose a pulmonologist
Luckily, I found the exceptions and I am hopeful OP does, too. Also, I would add that it isn't always how much time is spent, but whether you are heard and understood. Great staff also makes a huge difference and knowledge of current studies and resources.sambb wrote: ↑Thu Jan 02, 2020 7:16 pm Ironically - good doctors have large referrals and take a long time to get in, and may spend only a brief time with you. On the other hand, an empty waiting room and a doc that spends 1 hour with you might seem great, but you have to wonder why they are so empty. Of course there are exceptions. Goo dluck.
- Thu Jan 02, 2020 7:11 pm
- Forum: Personal Consumer Issues
- Topic: Help me choose a pulmonologist
- Replies: 50
- Views: 4748
Re: Help me choose a pulmonologist
I have found the specialists that I see through Facebook support groups dedicated to the health issue I have. I found this to be a much better way than reviews online. People in the group who have seen the doctors are available to answer your questions. Most Facebook support groups are closed or have a closed option to help with protecting privacy.
Even if you are dealing with a GI issue but looking for a pulmonologist, a GI support group will most likely have people who have also seen pulmonologists.
I am very happy with my team of doctors now. Good luck to you.
Even if you are dealing with a GI issue but looking for a pulmonologist, a GI support group will most likely have people who have also seen pulmonologists.
I am very happy with my team of doctors now. Good luck to you.
- Wed Jan 01, 2020 7:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: EFC of 59K?! That is more than my net pay
- Replies: 231
- Views: 16844
Re: EFC of 59K?! That is more than my net pay
Thank you, all. Good questions, - Yes, we are a single wage family - All of our savings have gone into 401K, Roth IRAs and the remainder into paying off the family home. So excluding the family home and retirement savings, we only have about 30k in assets (checking + savings accounts) - We saved around 110$ into 529k accounts - about 55k each for the two kids You are all probably right - the other parents must be cutting back or stopping retirement savings (401K and Roth) and cutting into other areas to send their kids to these 60k+ schools. So, in essence they are investing in their children instead of their financial health in retirement. I guess that is a personal choice and one that I have to think about. PS: Don't worry about blasting...
- Tue Dec 03, 2019 11:21 am
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
- Tue Dec 03, 2019 10:11 am
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
College applications and acceptance can be highly variable and more of an art then science. They attempt to apply scientific principles and best practices based upon past experiences. Times change and so does what society places and emphasis as “important”. Today’s valuable skill may be obsolete or oversupplied. Education is an investment. I have always viewed my education as the best investment I can make and the thing I have the most direct control and best suited to assess its value. I was nothing special and still remain nothing special. I was a completely average student my entire life but graded above average. My life experiences although seemingly unique and “special” in my personal statements throughout my career were once again in...
- Sun Dec 01, 2019 6:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
As noted, it’s likely much more perception than reality that English majors are struggling in the job market. A liberal arts degree is about teaching one to see the bigger picture, to make connections others have difficulty seeing, and additionally, about teaching one to have the interest and capacity to continue to teach themselves for the rest of their life. It’s not remotely the same thing as taking a class in something you enjoy. Perhaps it is just a coincidence. OK that's funny. This does not concern me at all. My oldest is almost three years out of college with a BA and is doing very well. Just bought a house with 20 percent down, and has been identified to be on the "executive track." My husband has a BA from a state schoo...
- Sun Dec 01, 2019 6:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
Why not major in something in demand and minor or take classes in something you enjoy? Heck, you could take art history or literature classes at the local community college after you graduate. I like having a high paying job and being in high demand field. Majoring in English or history is great but how great will it be to struggle financially assuming you don’t go on to grad school? As noted, it’s likely much more perception than reality that English majors are struggling in the job market. A liberal arts degree is about teaching one to see the bigger picture, to make connections others have difficulty seeing, and additionally, about teaching one to have the interest and capacity to continue to teach themselves for the rest of their life....
- Sun Dec 01, 2019 4:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
I am just wondering why someone would choose an expensive mid tier private school and pay so much more? Going to a highly-rated small college (a few thousand students (or less)) is really an ideal atmosphere for a lot of kids. Colleges (as opposed to universities) don't have graduate programs and the focus is on teaching undergraduates in (usually) small classes. The campus is usually small, there is usually one dining hall and you know most everyone. For a lot of kids, that's nirvana. Why someone would go to a large mid-tier private university, I couldn't say--but I'm sure there are good reasons. There aren’t a lot of those though. You could think you are getting a good private education and then find you are attending a whackadoo school ...
- Sun Dec 01, 2019 4:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
"I was just poking a little fun. But, now I am curious what you agree with. And what you think I don't understand. Do you agree that students should "pursue their passion" rather than getting "job training"? That seems a reasonable position to take. Do you think someone goes to study the viola at Julliard without a passion for it? If one has a passion for medicine, are they likely to go to Julliard to study the viola? Both of those seem quite unlikely to me. So, then giving up that "passion" for medical school sure seems like pursuing "job training" training. If one believes in pursuing their passion, then why view this as a "cool", rather than a sad outcome? As for whether I "hear...
- Sun Dec 01, 2019 3:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: High income and college costs question
- Replies: 317
- Views: 19100
Re: High income and college costs question
Cowdogman, I hear what you are saying. Even if marcopolo doesn't or won't.
And for what it's worth, I also agree with Cowdogman. Maybe it's because I have herding dogs.
- Sun Dec 01, 2019 3:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: How not to feel poor...
- Replies: 78
- Views: 14632
Re: How not to feel poor...
Your wife is ready to enjoy her life with you and her grown children. You are lucky to be healthy and in a marriage where your spouse wants to spend time with you and have fun together. If you won't do it for yourself, do it for her. You can afford some trips.