Search found 175 matches

by uberdoc
Sun Apr 26, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Where has the all good foil gone?
Replies: 20
Views: 1984

Re: Where has the all good foil gone?

Everything is being produced cheap meeting minimum acceptable quality. Hopefully covid will show us the value of making durable items for long term use.
by uberdoc
Sun Apr 26, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Hi, I am a hospital employed surgeon in NYC with 4 years in practice. The way this current pandemic is unfolding, I am thinking about moving to some other less dense location primarily for the health of my family and myself. Getting a new job will not be that difficult but my total compensation wil...
by uberdoc
Sun Apr 26, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

I’m surprised so many think the pandemic shouldn’t be a reason to move. I’m in financial services and cannot imagine moving to NYC at this time. NYC has suffered a net loss of residents in recent years and now the city is going to suffer more, while taking a huge revenue hit. It would take a seven ...
by uberdoc
Sun Apr 26, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Not university academic. Community hospital based residency program.
by uberdoc
Sun Apr 26, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

I did my training in NYC and now work with the surgeons who trained me. I am not going to find similar group of supportive people again. Also, as an early career physician, my compensation is almost at the top percentile. Otherwise, I do not have much allure for NYC as such. Everything is so expens...
by uberdoc
Sun Apr 26, 2020 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Prior to the pandemic we were planning to buy a house in nearby suburb of NYC. Career wise we have formulated many other plans and I do not think I have peaked in my working career yet. Beyond the attractions of NYC I am seriously concerned about financial viability of the city and its impact on my ...
by uberdoc
Sat Apr 25, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Hi, I am a hospital employed surgeon in NYC with 4 years in practice. The way this current pandemic is unfolding, I am thinking about moving to some other less dense location primarily for the health of my family and myself. Getting a new job will not be that difficult but my total compensation wil...
by uberdoc
Sat Apr 25, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Thank you everyone for your detailed responses. Overall, my professional situation is certainly unique and comfortable at this moment. I liked the response- do not run from adversity but aim to go towards something. Also, there is another ongoing thread about cuts in physician compensation so defini...
by uberdoc
Fri Apr 24, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

You should also think deeply about your reasons for wanting to move, and whether the grass will actually be greener. I've lived in several places (Michigan, California, Massachusetts, Tidewater Virginia, Northern Virginia, and now Georgia), and so far none of them are "the best" place to live. Ever...
by uberdoc
Fri Apr 24, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

I have no special attachment to NYC. Although we would like to live in educated suburb like setting with diversity and excellent schools. I am exploring nearby states like Delaware, NE PA etc for part time practice just to test the waters.
by uberdoc
Fri Apr 24, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

The specialty I work in is labor intensive and would like to have a patient population which is not obese. This literally breaks our back. So that excludes quite a few locations. Forgive my non-medical ignorance, but you mention in another post that you do bariatric and endocrine surgery, all elect...
by uberdoc
Thu Apr 23, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

With education debt and then mortgage payments, the professional class seems to be kept on the brink of ruin until close to middle age. It's not a great way to live.
Exactly. This constant need to earn high to keep up with high necessary expenses is very uncomfortable way to live.
by uberdoc
Thu Apr 23, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Bwlonge wrote:
Thu Apr 23, 2020 9:13 pm
Where do you think you'll look to move to? I live in an area I have a hunch people from NYC will move to to get out of the city.
Want to decide first if moving out of NYC will be a good move or not.
by uberdoc
Thu Apr 23, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

ARoseByAnyOtherName wrote:
Thu Apr 23, 2020 9:12 pm
Regarding less dense, is your hospital near a train station that would enable an easy commute if you move out of the city?
Train runs under the hospital but plan is to avoid train and other densely crowded areas.
by uberdoc
Thu Apr 23, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

harrychan wrote:
Thu Apr 23, 2020 9:11 pm
uberdoc wrote:
Thu Apr 23, 2020 9:07 pm
Considering family ties SOCAL will be great but the state is so anti-physician, it wont be a wise move.
Not a physician but know quite a few. I've never heard anyone say California is anti-physician. Is it because it is litigious?
Very low pay...tons of regulations.
by uberdoc
Thu Apr 23, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

are you sure your comp would go down? i have heard from doctors that pay can be more outside of NYC, in places such as Texas. Im not sure what specialties though. Basic pay outside NYC is higher for my specialty but ancillary and additional income that I receive will be gone. So total compensation ...
by uberdoc
Thu Apr 23, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

Considering family ties SOCAL will be great but the state is so anti-physician, it wont be a wise move.
by uberdoc
Thu Apr 23, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

The specialty I work in is labor intensive and would like to have a patient population which is not obese. This literally breaks our back. So that excludes quite a few locations.
by uberdoc
Thu Apr 23, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Re: Moving out of NYC due to pandemic

I did my training in NYC and now work with the surgeons who trained me. I am not going to find similar group of supportive people again. Also, as an early career physician, my compensation is almost at the top percentile. Otherwise, I do not have much allure for NYC as such. Everything is so expensi...
by uberdoc
Thu Apr 23, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12987

Moving out of NYC due to pandemic

Hi, I am a hospital employed surgeon in NYC with 4 years in practice. The way this current pandemic is unfolding, I am thinking about moving to some other less dense location primarily for the health of my family and myself. Getting a new job will not be that difficult but my total compensation will...
by uberdoc
Sun Apr 19, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: $1M home purchase - can we afford it?
Replies: 74
Views: 6975

Re: $1M home purchase - can we afford it?

You are asking this on Bogleheads forum so I expect you must have calculated these expenses also: Income tax 529 for kids Life insurance premiums Long term disability premium Umbrella and auto insurance Maxing out 401K and Roth, taxable investments if you do it EF health insurance After all these, i...
by uberdoc
Fri Apr 03, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How will this end and financial implications?
Replies: 2
Views: 398

How will this end and financial implications?

Hi,
There are many threads related to ongoing pandemic and resulting financial and societal turmoil. I am interested in knowing how business and society will return to work once pandemic starts improving? Will there be permanent changes in our behavior and how society functions?
Thank you.
by uberdoc
Tue Mar 17, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: TLH partner for VTI and SPY?
Replies: 1
Views: 140

Re: TLH partner for VTI and SPY?

I have used VTI, VV, VOO and ITOT interchangeably for TLH.
by uberdoc
Mon Mar 16, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Re: Current situation and housing market

Update: Seller accepted our offer. Uncertain what to do next? Although my job is kind of secure, who knows what holds in future?
by uberdoc
Sat Mar 14, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Re: Current situation and housing market

Slim chances unless I go the news media and declare myself corona positive after visiting that house. :)
by uberdoc
Sat Mar 14, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Re: Current situation and housing market

There is a spectacular house above my price range. I offered a price for that house within my limits. I did not ask for a specific coronavirus discount. Let's see what happens. I can wait a few more weeks for sure.
by uberdoc
Sat Mar 14, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Re: Current situation and housing market

Bankrate has put a banner on its website: You may find that advertised mortgage rates are higher than expected right now. Market factors have caused a surge in applications, which has exceeded lenders’ capacity levels and therefore impacted displayed rates. Submit your email and we'll let you know w...
by uberdoc
Sat Mar 14, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Re: Current situation and housing market

Thanks. What about delays in closing due to impending slowdown? Also, lenders have artificially increases mortgage rates to discourage new applications. How do I plan for that?
by uberdoc
Sat Mar 14, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Current situation and housing market
Replies: 18
Views: 1869

Current situation and housing market

Hi,
I am about to put offer on a house. What do you all think about the impact of coronavirus on the housing market? Should I wait a little bit before putting an offer? Should I ask for a price cut?
Thanks.
by uberdoc
Fri Mar 13, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund vs ETF
Replies: 2
Views: 189

Mutual fund vs ETF

Hi,
I always thought mutual funds and their ETF versions are exactly the same things. However, there was a clear difference in trading price between total US bond MF and its ETF counterpart. Can similar thing happen to total US stock MF and ETF? Is it better to keep MF then?
Thanks.
by uberdoc
Tue Mar 03, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fed rate cut and mortgage rates
Replies: 17
Views: 2294

Re: Fed rate cut and mortgage rates

I spoke to wells fargo earlier today. They are at 3.125% for 30 years fixed with 120 days lock. I asked if they would lower the rate in case rates go down after locking it in. They agreed but didn't guarantee it. I will ask them to agree for it in writing.
by uberdoc
Tue Mar 03, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fed rate cut and mortgage rates
Replies: 17
Views: 2294

Fed rate cut and mortgage rates

Hi,
We have an accepted offer for buying a home and will sign the contract within a week. When can I expect the fed rate cut to reflect in lower mortgage rates? Should I lock in the rate now or wait some more?
Thanks.
by uberdoc
Wed Jan 22, 2020 9:44 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27076

Re: Sad news: LadyGeek's husband has passed

So sorry for your loss.
by uberdoc
Wed Nov 20, 2019 8:35 pm
Forum: Personal Investments
Topic: transferring cash between vanguard accounts
Replies: 6
Views: 678

Re: transferring cash between vanguard accounts

I have transferred shares between my account and my son's account, so cash/funds should be no problem. But I don't think that is what you really are asking about. It took an 11-page form and a signature guarantee as well. Wouldn't it be nice if one could easily call up Vanguard and get an answer th...
by uberdoc
Wed Nov 20, 2019 8:28 pm
Forum: Personal Investments
Topic: transferring cash between vanguard accounts
Replies: 6
Views: 678

transferring cash between vanguard accounts

Hi,

Is there a way to transfer funds/cash between vanguard accounts of two different owners without going through a regular bank? Is it possible to link these two vanguard accounts directly?

Thanks.
by uberdoc
Mon Nov 18, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders in NY
Replies: 5
Views: 556

Re: Mortgage lenders in NY

I think there won’t be much difference in mortgage rates between online and local banks. If that is the case will prefer local banks.
by uberdoc
Mon Nov 18, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders in NY
Replies: 5
Views: 556

Mortgage lenders in NY

Hi, I am in process of purchasing a home in NY. I have narrowed down to a few mortgage lenders. They all have rates almost similar to each other for zero lender's fee and no point for a jumbo loan with 20% down. Will anyone be able to share their experience with these: Garden state home loans Seboni...
by uberdoc
Thu Nov 14, 2019 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Steering Committee & Bogleheads
Replies: 3
Views: 676

Re: Vanguard Steering Committee & Bogleheads

Hey Vanguard! Its your owner here. You have not reported to me for sometime. Not good.
by uberdoc
Wed Nov 13, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: adult child moving back
Replies: 43
Views: 8379

Re: adult child moving back

Our daughters flew the co-op when they started college. The one who went out of area for college came back during the summer breaks, and worked and also took some classes over the break. She lived with us during the summer. Helped DW alot. And, last year a daughter and family moved in with us when ...
by uberdoc
Sun Nov 10, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 11429

Re: Seller's agent not letting us use a buyer's agent

I just got Redfin as buyer's agent. No locked in etc..They will also refund around .75% of their commission. This scam is exactly like AUM model of FAs. I hope this ends soon.
by uberdoc
Tue Nov 05, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella and long term disability insurance
Replies: 9
Views: 826

Re: Umbrella and long term disability insurance

I am planning to reduce umbrella coverage for now to $1 million.
by uberdoc
Mon Nov 04, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella and long term disability insurance
Replies: 9
Views: 826

Re: Umbrella and long term disability insurance

Thanks for your inputs. called GEICO. It was actually $978 annually. Still a little high. Not sure how to reduce it.
by uberdoc
Mon Nov 04, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella and long term disability insurance
Replies: 9
Views: 826

Re: Umbrella and long term disability insurance

No trampoline..no teenagers. I think its just the Brooklyn. I will reduce it to $1 million for now and move to suburbs asap.
by uberdoc
Mon Nov 04, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella and long term disability insurance
Replies: 9
Views: 826

Umbrella and long term disability insurance

Hi, We moved to a new location and now our umbrella policy premium for $3 million coverage went up to $978 annual. Earlier it was $600. I am also paying $600 per month for LTD policy as a surgeon. Is reducing umbrella coverage or just eliminating it reasonable? I am tired of paying for so many diffe...
by uberdoc
Sat Nov 02, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 3005

Re: how does Personal Umbrella Insurance work?

Once I dropped a water bottle from departure level to the arrival hall at an airport. Luckily it did not hit anyone. I think umbrella will cover you for any damages resulting from situations like these.
by uberdoc
Sat Sep 21, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: A gentle alternative to HEDGEFUNDIE's excellent adventure with 2-Year Treasury Futures
Replies: 123
Views: 15444

Re: A gentle alternative to HEDGEFUNDIE's excellent adventure with 2-Year Treasury Futures

Y’all getting rich quick using 3x leverage, factor, momentum and all clever tricks making me feel a dumb with a three fund portfolio. It’s depressing watching money pass by.
by uberdoc
Sat Aug 31, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to make SWIFT payment inexpensively
Replies: 10
Views: 776

Re: How to make SWIFT payment inexpensively

Use transferwise. Banks make a killing with these by changing the exchange rate. You can compare both and then decide.
by uberdoc
Wed Aug 28, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14304

Re: out of network emergency visits. Huge bill!!!

Balance billing protection does not mean much when one is in er with perforated appendicitis and no surgeon available on call because Medicare pays $200 for an appendectomy done at 1am.
by uberdoc
Wed Aug 28, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14304

Re: out of network emergency visits. Huge bill!!!

That’s what I am trying to say. Either they pay what’s acceptable to you or they can get someone else. I take $150/hr for ER surgical calls. For anything less than that I am not willing to get my sleep disturbed at 2 AM.
by uberdoc
Wed Aug 28, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14304

Re: out of network emergency visits. Huge bill!!!

Don’t take any ER calls where you will be the one billing for the consult. Public and politicians do not want to see physicians charging what we see as fair for our years of training and hard work. Heck they don’t want to pay even at par with what plumbers charge for night work. Just ask the hospita...