Search found 77 matches

by SevenBridgesRoad
Fri Dec 07, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: What's Your Personal Inflation Rate?
Replies: 38
Views: 2434

Re: What's Your Personal Inflation Rate?

But, bring this back to what I think the OP was exploring. (I’m speculating that the title of the post may not be precisely what he was after.) The standard response to anyone stating they are allocating a large percentage of cash is ‘you’ll lose to inflation...you need more equities because of inf...
by SevenBridgesRoad
Fri Dec 07, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

Are you sure they aren't bureaucrats? They might be. But they are also homeowners. And that is the main point: some here are discussing the HOA as if it’s some alien creature. Or a distant corporation. Something which they have no connection to. That’s conveniently wrong. The HOA is in fact the hom...
by SevenBridgesRoad
Fri Dec 07, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

[/quote] michaeljc70 Yes, but I think a lot of people just want to live there and many that run for the board are power hungry or busybodies. It attracts them. That is my experience. [/quote] Of course. That’s always what happens when normal reasonable people ‘just want to live their lives and be le...
by SevenBridgesRoad
Fri Dec 07, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1706

Re: Finally some price transparency in cost for Medicare procedures

Always ask your Doctor for the surgery center option vs the hospital if you need special tests or small surgeries. It is much cheaper. The cost will be half or less. I also use Lab Corp for blood tests and a special MRI scan place for those tests and a special clinic for colon tests. All these plac...
by SevenBridgesRoad
Fri Dec 07, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

Are you sure they aren't bureaucrats? They might be. But they are also homeowners. And that is the main point: some here are discussing the HOA as if it’s some alien creature. Or a distant corporation. Something which they have no connection to. That’s conveniently wrong. The HOA is in fact the hom...
by SevenBridgesRoad
Fri Dec 07, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: What's Your Personal Inflation Rate?
Replies: 38
Views: 2434

Re: What's Your Personal Inflation Rate?

Further, I don’t think he’s after a discussion of definitions. Guessing. I could be wrong.
by SevenBridgesRoad
Fri Dec 07, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: What's Your Personal Inflation Rate?
Replies: 38
Views: 2434

Re: What's Your Personal Inflation Rate?

But, bring this back to what I think the OP was exploring. (I’m speculating that the title of the post may not be precisely what he was after.) The standard response to anyone stating they are allocating a large percentage of cash is ‘you’ll lose to inflation...you need more equities because of infl...
by SevenBridgesRoad
Thu Dec 06, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1706

Re: Finally some price transparency in cost for Medicare procedures

Is the medical billing industry a big business? If so, I can understand why they deliberately try to make it harder and harder and maybe even lobby against efforts to simplify it. No, the medical billing industry is just a small part of the bigger goal: the drive to computerize/digitalization all t...
by SevenBridgesRoad
Wed Dec 05, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1706

Re: Finally some price transparency in cost for Medicare procedures

And that’s just CPT codes. You can’t stop there. To get third party payment, the medical practice must also use very specific ICD 10 codes for the diagnosis. Computers match the procedure codes with the diagnostic codes, looking for reasons to reject the claim. So to get a truly accurate pre-procedu...
by SevenBridgesRoad
Wed Dec 05, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

As will satisfy most bureaucrats, I filled out entire form neatly and completely. But only the relevant, needed info was accurate.....Even though we're a small association (79 units), nobody questioned my Lambo or my wife's DeLorean . Priceless, DetroitRick! (and thanks for the belly laugh you just...
by SevenBridgesRoad
Wed Dec 05, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

As will satisfy most bureaucrats, I filled out entire form neatly and completely. But only the relevant, needed info was accurate.....Even though we're a small association (79 units), nobody questioned my Lambo or my wife's DeLorean . Priceless, DetroitRick! (and thanks for the belly laugh you just...
by SevenBridgesRoad
Wed Dec 05, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7363

Re: Is this normal for an HOA?

I'd ignore it, and I would guess a lot of residents will do the same. If you feel obligated to reply somehow, I'd just fill out the bare minimum you're willing to provide (basically email and/or phone number) and ignore the rest. That form oversteps any reasonable legitimate needs. Contact the HOA ...
by SevenBridgesRoad
Tue Dec 04, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10766

Re: Retirement itch- when did you get it?

Cleverusername wrote:
Tue Dec 04, 2018 3:29 am
Distressing in hearing so many people have other streams of income such as a pension etc!

Ironically, this thread has me thinking I need to work even longer, possibly elsewhere. Uggh.
No pension here. No rent house income either. It can be done. :happy
by SevenBridgesRoad
Mon Dec 03, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1706

Re: Finally some price transparency in cost for Medicare procedures

Procedure names and codes are extremely complicated. Codes are not complicated. They are CPT codes. Just find the 5 digit code for the procedure. That being said though the complicated part comes form all the additional codes that are added. For example, diagnostic colonoscopy is likely one code an...
by SevenBridgesRoad
Mon Dec 03, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10766

Re: Retirement itch- when did you get it?

And we're also at about 40-50X expenses now. So we're set. Now I need to decide if I want to stick around one more year, to hit my original goal, or do it earlier. What, 40-50x?! One more year seriously? Review your tag line quote and retire today, :happy. Just sayin’. I appreciate your point. On t...
by SevenBridgesRoad
Mon Dec 03, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10766

Re: Retirement itch- when did you get it?

bhsince87 wrote:
Mon Dec 03, 2018 6:28 pm
And we're also at about 40-50X expenses now.

So we're set. Now I need to decide if I want to stick around one more year, to hit my original goal, or do it earlier.
What, 40-50x?! One more year seriously? Review your tag line quote and retire today, :happy. Just sayin’.
by SevenBridgesRoad
Mon Dec 03, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10766

Re: Retirement itch- when did you get it?

I can blame it on Tim Urban at Wait But Why. A practicing physician for ten years and then a physician executive for more than 20 years, I knew I was in my last role when I accepted the job as CEO of a large multi specialty group in financial and cultural trouble. Hardest thing I’ve ever done, by fa...
by SevenBridgesRoad
Thu Nov 29, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1706

Re: Finally some price transparency in cost for Medicare procedures

It’s a start, a primitive start. Procedure names and codes are extremely complicated. The average patient won’t be able to use this tool to their benefit without a lot of help. Hopefully the Amazon/BkH/JPM entry will dramatically disrupt and simplify this for consumers. Price and quality transparenc...
by SevenBridgesRoad
Thu Nov 29, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 148
Views: 8483

Re: How did YOU choose your career?

I think many people have winding careers and not much of a plan especially at the beginning. There's nothing wrong with that at all. I was a voracious learner as a kid but had no "calling". Most of the time I wanted to be an author, but veterinarian was a close second. Today I'm a business systems ...
by SevenBridgesRoad
Tue Nov 13, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3451

Re: Enjoying Your Work

Two resources to consider, in addition to the good advice given by Bogleheads: Web site: https://waitbutwhy.com/2018/04/picking-career.html. (From WaitButWhy, by a smart and interesting man named Tim Urban) Book: What Color is Your Parachute? (This is a classic and seems to have stood the test of ti...
by SevenBridgesRoad
Thu Nov 08, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1604

Re: Social Security as a percentage of portfolio

I just wanted to chime in that longevity seems to be, rather surprisingly, not very heritable. That is, the age to which your parents lived has less predictive value about your life expectancy than one might think. Please provide data for your statement above. This recent review notes that although...
by SevenBridgesRoad
Thu Nov 08, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ~200k cash. 27-28y/o. Want to go to grad school/medical school. Want to invest in real estate right now.
Replies: 19
Views: 2422

Re: Inherited ~200k cash. 27-28y/o. Want to go to grad school/medical school. Want to invest in real estate right now.

...I want to go to grad school/medical school. I am not sure whether I want to pursue grad school in finance, business, medicine or a combination...I am a college graduate...I am self-employed right now as well making 80-90k but I plan to just go full-time 100% into grad school/medical school.... I...
by SevenBridgesRoad
Sun Nov 04, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4893

Re: Beer - Strong German Style Lagers

kenoryan wrote:
Wed Oct 24, 2018 9:49 pm
Deschutes
Hair of the dog
Ten barrel
Rogue

Awesome beers. My favorite was the brandy barrel stout at deschutes.
Crux
Sunriver Brewing
Kobold
Worthy
Cascade Lakes
Monkess

The list goes on...and on...
by SevenBridgesRoad
Sun Nov 04, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2412

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

The New York Times, Washington Post, and Wall Street Journal come to $55.98/mo. I think the NYT crossword is another $25/year or so. It begs the question about ‘staying informed’ and what that really means, and why. This is a good point. Sometimes in fits of honesty I wonder whether the real reason...
by SevenBridgesRoad
Fri Nov 02, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2412

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

It begs the question about ‘staying informed’ and what that really means, and why. Most journalism is meant to be sensational, always has authors’ bias, and even WSJ is not immune (although better than most). And if you practice any form of staying mostly within your circle of control, there’s reall...
by SevenBridgesRoad
Fri Nov 02, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4230

Re: Extreme credit card debt

It’s interesting to see the two camps in the responses, isn’t it? I’m solidly in the Repay Your Own Debt camp. Another idea that may or may not be possible in your situation: family assistance. I helped two different relatives get out of debt faster by paying off their very-high interest debt in a s...
by SevenBridgesRoad
Wed Oct 31, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4902

Re: 2019 Subaru Outback 2.5 vs 3.6

Everyone is different. And these two engines/tech packages are different. You'll need to decide your hierarchy of needs. Is MPG your #1 priority? The larger engine isn't what you need then. But there are always trade-offs anytime you choose a priority. We have a 2018 Outback 3.6 Limited. Love it. Ou...
by SevenBridgesRoad
Fri Oct 26, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19438

Re: New retirees: so whatdayathink ?

Very new retiree. Just three weeks into retirement. Decided last year it was time to do other things with my life. 62, so FI but not RE. Context: enjoyed my career and left on a positive note. Wife already retired (she was RE). Total random thoughts on first three weeks: I’m really going to like thi...
by SevenBridgesRoad
Wed Oct 24, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4893

Re: Beer - Strong German Style Lagers

(you might want to come over here to “beervanna” (oregon.... Portland or Bend) and have a ** wide ** selection of styles (and ABV) to choose from... not likely to disappoint.). we prefer porters!! (we’ve been to bavaria... tried the beers, got the steins (pewter!!)... but really wasn’t as impressed...
by SevenBridgesRoad
Mon Oct 22, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: Do you use any economic "theory" in your approach to investing?
Replies: 12
Views: 912

Re: Do you use any economic "theory" in your approach to investing?

Yes! Exactly!!

You, therefore, do have a theory, an "economic theory in your approach to investing".

And there is a lot of data to validate your theory. I happen to agree with your theory and it's validity.
by SevenBridgesRoad
Mon Oct 22, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 57
Views: 6674

Re: Empty nester downsizing - any advice?

The biggest obstacle to downsizing is the clutter you have accumulated. You should immediately attack and eliminate the clutter so that you can take advantage of a good downsizing opportunity that comes along. Putting things in storage is not a reasonable solution. This. Know from experience. Elimi...
by SevenBridgesRoad
Mon Oct 22, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2300

Re: Route-66 trip recommendations

I can recommend one section of Historic Rt 66, based on personal experience, between Albuquerque and Santa Fe. It's also known as the Turquoise Highway. The highlight of the (already scenic) drive was the little artsy town known as Madrid (emphasis on the first syllable, not like the capital of Spa...
by SevenBridgesRoad
Mon Oct 22, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4893

Re: Beer - Strong German Style Lagers

You've obviously tapped into (good metaphor!) a topic for which many Bogleheads find a passion: :sharebeer You probably weren't counting on these responses exactly. No worries. Simply enjoy some of the recommendations. If you get more interested, here are the "official" styles of beer: https://s3-us...
by SevenBridgesRoad
Mon Oct 22, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Do you use any economic "theory" in your approach to investing?
Replies: 12
Views: 912

Re: Do you use any economic "theory" in your approach to investing?

Let's get grounded in a definition. "Theory" definition: a supposition or a system of ideas intended to explain something, especially one based on general principles independent of the thing to be explained. From your writings (posts), I think you have a theory (i.e. "a system of ideas...based on ge...
by SevenBridgesRoad
Sun Oct 21, 2018 1:41 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4893

Re: Beer - Strong German Style Lagers

No Pils, no ale, no Marzen. I want Lager. BTW, you mention Pils and Marzen...both Pils and Marzen ARE lagers. Lagers are a class of beers and involve a certain kind of yeast and lower temperatures, and a "lagering" phase. Ales use another kind of yeast with higher fermentation temps and no lagering...
by SevenBridgesRoad
Sun Oct 21, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4893

Re: Beer - Strong German Style Lagers

Depends on where you live in the US, but many local small craft brewers do a nice job on German lagers. Try it fresh in local craft brewpubs. Or, you can learn to home brew! Its actually a great hobby. You can start small and simple, and still make excellent beer. Then you can grow as crazy as you w...
by SevenBridgesRoad
Sat Oct 20, 2018 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 914

Re: Fund Choice Questioning

Beensabu, the OP uses the moniker “mr. jelly”. The OP made 14 (or so) references to himself with “I” or “my” and no references to “we, us, our”. So, why do you make numerous references to the OP as “they”. I’m no grammarian but this seems to be a new trend, using they when he or she should be used....
by SevenBridgesRoad
Fri Oct 19, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9310

Re: Set it and forget it

"Nobody buys a farm based on whether they think it's going to rain next year; they buy it because they think it's a good investment over 10 or 20 years." Warren Buffett "Don't just do something, stand there!" Jack Bogle You'll be a better investor when you forget about your investments, providing y...
by SevenBridgesRoad
Thu Oct 18, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 330
Views: 47260

Re: Good Modern Science Fiction

Many of these are already named by others, but repetition tells us something. ("Wool" trilogy is mentioned a lot for good reason.) These vary from easier-to-read SF (sometimes you need some pure fun! Scalzi, Martha Wells, others) to more challenging (such as Robinson, well worth it). Many of these a...
by SevenBridgesRoad
Tue Oct 16, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 3070

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

You are a good son for trying to steer your father in a better direction. You're getting some good ideas here. A couple of additional thoughts: 1) I get concerned whenever we essentially talk people into doing something. Your dad considers stocks as gambling. You may be able to talk him into buying ...
by SevenBridgesRoad
Sat Oct 13, 2018 1:55 am
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3539

Re: Lost Power for 24 hours - what food to toss?

Liability and fear mongering. The reason why you have food poisoning so easily is exactly over protection (probably we can add here asthma and allergies too). Agree 100%. We have been literally eating soil, mixed with excrement, raw muscle meat, raw organs, etc. for millions of years. People honest...
by SevenBridgesRoad
Thu Oct 11, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8433
Views: 1661222

Re: U.S. stocks in freefall

bighatnohorse wrote:
Thu Oct 11, 2018 6:18 pm
I just check our annuities. . .no change. . . still kicking out the same old percentage.
+1 8-)
by SevenBridgesRoad
Thu Oct 11, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1284

Re: How important is it that dentist is member of ADA?

Not important. The ADA is a trade association, not a certifying body in a position to determine quality of a dentist. Other factors are far more important. Think about what you want from your dentist and go about your search just as your are (asking friends, etc.) Reasons a dentist might not join th...
by SevenBridgesRoad
Wed Oct 10, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2300

Re: Route-66 trip recommendations

Europeans: don't fall for it! There are much better road trips in the US! I grew up in a "Route 66 town" in Oklahoma. Okay, we have a cool, old concrete Blue Whale on the Route. But that's about it. See Chicago and Lake Michigan! See Santa Fe and Taos! See Boston! See Colorado Springs, Denver and As...
by SevenBridgesRoad
Mon Oct 08, 2018 12:19 am
Forum: Forum Issues and Administration
Topic: 10 years - thank you forum admins and posters
Replies: 4
Views: 720

Re: 10 years - thank you forum admins and posters

I likewise credit this forum as one of four "voices" which helped me get my act together, plan, and actually retire two weeks ago, comfortably and safety at age 61. The four: 1) The book "Die Broke": changed my thinking about debt, paying cash, spending inheritance while still alive, and annuities a...
by SevenBridgesRoad
Sun Oct 07, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11046

Re: Alan Roth doesn't like single premium annuities

I agree...the initial reaction surprised me too. But enough folks weighed in (myself, HomerJ, the Doobies, others) to say annuities are just alright with me. OK, maybe not the Doobies... 8-)
by SevenBridgesRoad
Sun Oct 07, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 48
Views: 4876

Re: "Retirement age uncertainty increases the savings needed for success"

I'm average then. Just made it. Retired two weeks ago at...61. 62nd birthday next week.
by SevenBridgesRoad
Sat Oct 06, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11046

Re: Alan Roth doesn't like single premium annuities

HomerJ wrote:
Fri Oct 05, 2018 10:51 pm
Dottie57 wrote:
Fri Oct 05, 2018 5:38 pm
SPIA is a longevity insurance. It can give a floor to provide for needed expenses. To help with inflation buy annuities a different times of life. 70, 80, 85. Don’t spend all of the money on annuities.
Yes, that's a good way to use it too..

Basically create yourself a pension.
+1
by SevenBridgesRoad
Sat Oct 06, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11046

Re: Alan Roth doesn't like single premium annuities

Apparently everyone hates annuities. Some guy named Ken Fisher hates them. And now Alan Roth hates them too. SPIAs can be part of Plan A. Nobody should chuck all their savings into a SPIA, but they can make sense as part of a plan. Annuities have at least three advantages: 1) Lifetime Income: It is ...