Search found 85 matches

by Picasso
Tue Oct 20, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: do doctors/hospitals HATE Medicare Advantage (as payers)
Replies: 42
Views: 3109

Re: do doctors/hospitals HATE Medicare Advantage (as payers)

I'm on regular Medicare with a supplemental. I'd love to switch to a lower cost Medicare Advantage plan, but something doesn't add up: * MA shows a much lower monthly premium. * MA promises more services. * The same insurance companies sell Medicare supplemental and Advantage plans. * The insurance...
by Picasso
Sat Oct 17, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 356
Views: 20578

Re: Items that are worth the money for the quality

framus wrote: Sat Oct 17, 2020 1:57 pm Apple everything
Patagonia clothing
Rivendell Bicycles
I’ve been Rivendell-curious for a few years now so it’s nice to see it recommended here. I’ll buy that Atlantis one day.
by Picasso
Fri Oct 16, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 356
Views: 20578

Re: Items that are worth the money for the quality

Alden cordovan shoes
Le Creuset
Barbour jackets
by Picasso
Tue Oct 13, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting a new car to our daughter - gift tax?
Replies: 24
Views: 3292

Re: Gifting a new car to our daughter - gift tax?

Just a data point: my parents gifted me a $35k used car when I left college and they paid no gift tax. They paid for car and put my name on the title. As simple as that.

PS. I still drive that car! Its be hugely helpful in my ability to save and I am very grateful to them for the gift.
by Picasso
Sun Oct 11, 2020 7:33 am
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 94
Views: 8653

Re: "Nice" furniture recommendations

I like the look of Thomas Moser pieces and all made in Maine. They claim that it will last for generations.

https://www.thosmoser.com/
by Picasso
Thu Oct 01, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 53
Views: 2967

Re: Trail sneakers

I used my ON trail running shoes today for a trail walk and love them.

https://www.on-running.com/en-us/produc ... reen-white
by Picasso
Wed Sep 23, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7457

Re: Why buy medical insurance ?

The plan I work at sees more $1M+ claims than you would imagine. Self-insuring is not something I would consider with the expansion of gene therapy and specialty pharma costs.
by Picasso
Mon Sep 21, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6616

Re: In-network provider refusing service if we use insurance

Let us know what insurance company says - as others have said, the provider relations and contracting teams will want to know this is happening.
by Picasso
Sun Sep 20, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 160
Views: 26292

Re: Trader Joe's Fans - good value?

Kale Cashew Pesto - its not very oily, which is great, and we eat 2x/wk reliably on a mixture of Banza chickpea pasta, green beans and fingerling potatoes.
by Picasso
Sat Sep 19, 2020 11:22 pm
Forum: Personal Consumer Issues
Topic: Not allowed to do testing/imaging outside hospital network
Replies: 22
Views: 1916

Re: Not allowed to do testing/imaging outside hospital network

This kind of thing can happen with HMO style plans especially when the plan is run by the clinic/hospital system. When the provider can provide all medical care, including labs, scans, primary care, specialist care, surgery etc., they are most efficient when everything stays within the system. When...
by Picasso
Wed Sep 16, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13166

Re: Grocery store didn't tell me Shingrix was $160

While I certainly understand your frustration, its a consumers responsibility to understand your own insurance plan design, who is in your network (provider and Rx), and the member cost shares.
by Picasso
Tue Sep 15, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 9443

Re: Should I buy a new rice cooker from Zojirushi?

I post this in the hopes that someone may be aware of or have run a controlled experiment of which I am unaware. Is this a late night farce or a serious inquiry? I don’t mean to be rude, but I cannot imagine a scenario outside a product development lab where a controlled experiment with any proven ...
by Picasso
Tue Sep 08, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3878

Re: Buying Fine Art - advice needed.....

If you want to buy something that actually has some merit, why not this study for Flaming June that I wish I could afford.

https://www.gallery19c.com/artworks/9371/
by Picasso
Tue Sep 08, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3878

Re: Buying Fine Art - advice needed.....

Just looked up Previous sales by this artist in Invaluable art sales database. Looks like recent auction sales for portraits are between £2000-3000. Just another data point.
by Picasso
Sun Aug 30, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7438

Re: So, I was playing Pickleball and Amazon sent me an offer

TomatoTomahto wrote: Sun Aug 30, 2020 2:39 pm
TxAg wrote: Sun Aug 30, 2020 2:28 pm It wasn't a coincidence.
Surveillance Capitalism.
https://www.amazon.com/Age-Surveillance ... /ref=nodl_
Upvote this book.
by Picasso
Fri Aug 28, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Drug Not on Formulary - Options?
Replies: 11
Views: 916

Re: Drug Not on Formulary - Options?

Is this a specialty medication?

Have you investigated whether there are any biosimilars on formulary? Not generics, but compounds that act the same way that may be less expensive.
by Picasso
Mon Aug 24, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How bad is my health insurance/help choosing plan
Replies: 5
Views: 593

Re: How bad is my health insurance/help choosing plan

Concurs with above posters - I design benefit plans and these options are pretty standard. Not gold-plated, but certainly not terrible.
by Picasso
Mon Aug 24, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Best Earbuds with Microphone
Replies: 40
Views: 2400

Re: Best Earbuds with Microphone

Apple AirPod Pros all day
by Picasso
Wed Jul 29, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22904

Re: Books that changed your life

Stop-Time by Frank Conroy

That book showed me what excellent writing was. David Foster Wallace also cites it as the book that made him want to be a writer.
by Picasso
Wed Jul 29, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: How many washings will a dress shirt endure?
Replies: 13
Views: 854

Re: How many washings will a dress shirt endure?

David Mercer guarantees his shirts for 150 washings, claiming that to be twice as durable as Brooks Brothers.

http://www.ivy-style.com/how-we-roll-me ... xford.html
by Picasso
Mon Jul 27, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Beach House in New England
Replies: 44
Views: 4260

Re: Buying Beach House in New England

My parents have a $1M vacation home on an island off the cape that they own outright. It’s very far inland from the ocean and nowhere close to an ocean view. Their annual expense for the property is ~15k.

Just a data point.
by Picasso
Sat Jul 25, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: Insurance for daughter arriving from London
Replies: 10
Views: 1097

Re: Insurance for daughter arriving from London

I'm about to start some fairly serious medical procedures. My 28-year-old daughter who lives in London is flying in this weekend to be here and help us. This deeply touched my heart, and we are trying to work out the details. One of them is that she's over 26, so no longer on our policy, and the NH...
by Picasso
Wed Jul 15, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Ancient/slow ipad 2
Replies: 22
Views: 1210

Re: Ancient/slow ipad 2

Buy a new ipad
by Picasso
Sat Jul 11, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 168
Views: 10378

Re: Who is your favorite fiction author and what is your favorite book of theirs?

If I had to narrow it down, it would either be William Faulkner's As I Lay Dying or Vladimir Nabokov's Lolita . I think the two books are actually very similar in how they both tell horrific and repugnant stories in such a way that the reader doesn't really catch on, and so becomes complicit. Excel...
by Picasso
Wed Jul 08, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 5071

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

2009 Lexus RX with 165,xxx miles. We’ll be purchasing another RX in 1-2 years as our second vehicle. I can’t imagine a more reliable and useful vehicle. We have a 2004 Rx330 bought new with 165K miles. Not one problem to date (hopefully I didn't jinx myself).... That's great! We put a new transmiss...
by Picasso
Mon Jul 06, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 5071

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

2009 Lexus RX with 165,xxx miles. We’ll be purchasing another RX in 1-2 years as our second vehicle.

I can’t imagine a more reliable and useful vehicle.
by Picasso
Thu Jul 02, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 51
Views: 3167

Re: Help choosing federal health insurance

I work in the industry. BCBS Federal Employee Program (FEP) is the gold standard - the insurance product everyone wishes they had.
by Picasso
Sun Jun 28, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: Wirecard and the Boglehead Philosophy
Replies: 25
Views: 2170

Re: Wirecard and the Boglehead Philosophy

TomatoTomahto wrote: Sun Jun 28, 2020 1:24 pm
Cheez-It Guy wrote: Sun Jun 28, 2020 11:00 am
bck63 wrote: Sun Jun 28, 2020 10:50 am If, say, Facebook disappeared off the face of the earth today, . . .
If only we could be so lucky!
I deleted my FB account some time ago. It fell off the face of my universe.
Me neither. That company is a plague.
by Picasso
Tue Jun 23, 2020 8:23 am
Forum: Personal Investments
Topic: Fun Money in Health Stocks
Replies: 11
Views: 1230

Re: Fun Money in Health Stocks

annu wrote: Sun May 24, 2020 9:42 pm
...as due to tele medicine, things will change quite a bit.
Agree completely - we are seeing an appx. 4000% increase in telehealth utilization since March. Will consumers stick with the technology post-Covid? Only time will tell.
by Picasso
Tue Jun 09, 2020 9:57 pm
Forum: Personal Investments
Topic: percentage of portfolio in Roth?
Replies: 72
Views: 3634

Re: percentage of portfolio in Roth?

I’m at ~85% as I am expecting to be in a higher tax bracket when I retire.
by Picasso
Tue Jun 09, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Can I salvage this suitcase?
Replies: 38
Views: 2489

Re: Can I salvage this suitcase?

Is this for real? Just buy another suitcase.
by Picasso
Mon Jun 08, 2020 10:27 pm
Forum: Personal Investments
Topic: Investing for a Waterfront Home
Replies: 17
Views: 1966

Re: Investing for a Waterfront Home

I think if you know what you want with a plan to save for it, you should go for it. I like the idea of using equity returns over that time horizon to boost savings. I also have a long-term plan to purchase waterfront property for retirement though am planning to save for it over the course of 3-4 de...
by Picasso
Sat Jun 06, 2020 10:20 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21408

Re: Markets back near all time highs - how are you feeling and path forward ?

gwe67 wrote: Fri Jun 05, 2020 7:50 pm I was asleep for a few months. What did I miss?
Did you see that guy who was on a long meditation retreat until recently and emerged to Covid and the current social unrest? Crazy.
by Picasso
Fri Jun 05, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job yesterday
Replies: 68
Views: 11949

Re: Lost my job yesterday

If staying in an area with limited opportunities is important, you could consider a work from home pharmacy job. I know someone who has been doing this for an insurance company. Does not like it as much as her previous University based job but worth it to her for the lifestyle reasons. This is an e...
by Picasso
Tue Jun 02, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me stop losing my mind over California HSA?
Replies: 30
Views: 2254

Re: Help me stop losing my mind over California HSA?

mega317 wrote: Tue Jun 02, 2020 4:44 pm Two things I missed. 1. Welcome to the forum.

2.
TinKnightRisesAgain wrote: Tue Jun 02, 2020 1:10 pm The pandora's box of learning about California's HSA tax status might be the worst thing that has happened to me this year.
Really?! Have you seen the news?
+1
by Picasso
Tue Jun 02, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Question about Medicare/Health Insurance for my Mom
Replies: 14
Views: 814

Re: Question about Medicare/Health Insurance for my Mom

Use plan compare and do research. Also, highly recommend that you contact drug company for rebates/coupons offered, which can bring your out of pocket cost down by thousands in some instances.
by Picasso
Tue Jun 02, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: Avoiding pessimism in investing framework
Replies: 11
Views: 657

Re: Avoiding pessimism in investing framework

I feel like I know what you are asking here and I agree on the risks, but I don’t know when we will turn or if we are in a decades-long decline now.

Someone on this forum recently recommended a Why Nations Fail by Daron Acemoglu and James Robinson. I am reading now and highly recommend.
by Picasso
Sat May 30, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 325492

Re: Best watch for around $5,000?

This thread reminded me of an article from The New Yorker: Robert Mueller, Style Icon - https://www.newyorker.com/culture/on-and-off-the-avenue/robert-mueller-style-icon “Mueller’s strong tendency toward foulard ties, with their navy or burgundy fields graced by suave geometries of small patterns, d...
by Picasso
Sat May 30, 2020 7:18 am
Forum: Personal Investments
Topic: Recommend a China-focused, risk-seeking fund
Replies: 31
Views: 2020

Re: Recommend a China-focused, risk-seeking fund

jajlrajrf wrote: Fri May 29, 2020 8:00 pm
HEDGEFUNDIGE[/quote wrote:Lol. I guess the thread title was intended to be a statement not a question
Nah, the suggestions in the thread actually helped me crystallize my thinking on what sectors I'm interested in, so it was legit helpful.
Which fund(s) did you decide to invest in and why? I’m curious.
by Picasso
Fri May 29, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5764

Re: 1:1 salary and stock jobs?

Thank you! I’m looking forward to researching all of these options
by Picasso
Fri May 29, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: Lifelong New Yorker relocating to Philly for FIRE?
Replies: 39
Views: 3273

Re: Lifelong New Yorker relocating to Philly for FIRE?

I grew up in Philadelphia and my parents still live there. To reiterate what others have said, a nice condo or townhouse in a good area of the city will cost way more than 300k. Townhomes in Rittenhouse square are multiple millions.
by Picasso
Thu May 28, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5764

Re: 1:1 salary and stock jobs?

I think the next question I have is: coming from a background in healthcare product development, how do I position myself to get one of these jobs at a tech company?
by Picasso
Thu May 28, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Mens Wrinkle Cream
Replies: 18
Views: 1464

Re: Mens Wrinkle Cream

mouses wrote: Thu May 28, 2020 6:32 pm It's not clear to me that any of that type of stuff works, for males or females. And plastic surgery just results in a Oh look that person had plastic surgery don't they look bizarre appearance.
Like they are in a wind tunnel!
by Picasso
Thu May 28, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5764

Re: 1:1 salary and stock jobs?

I mean, I also know 30 yr olds pulling down 500k in big law, but they are the exception rather than the rule.

Also, finance jobs are all over the place from what I understand: 70k-1M+ by 30 yrs old.
by Picasso
Thu May 28, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5764

Re: 1:1 salary and stock jobs?

Just interviewed somebody today with 8 years of experience since college, currently manages a small team of data analysts. No MBA or masters of any kind. She’s making $200k base + $150k RSUs per year. You just don’t see these kind of numbers for comparable roles in any other industry... That’s true...
by Picasso
Tue May 26, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 114
Views: 8381

Re: Car shopping PHEV / ICE / or all electric?

Why not just buy the beemer you are leasing? BMW residuals are inflated to keep the lease payments low. It's hard to imagine a scenario where buying a BMW at lease end makes financial sense. It would be wiser to buy a different, similar car for market value instead. BMW = Bring Money Withya I thoug...
by Picasso
Tue May 26, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's or Father's Insurance for Newborn
Replies: 19
Views: 1052

Re: Mother's or Father's Insurance for Newborn

That scenario may be a custom feature of a very high-end plan design, but I’ve never seen it.

For what it’s worth, I’d put Child 1 on the mother’s PPO. ER visits for children are common and would be less expensive to you.
by Picasso
Tue May 26, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's or Father's Insurance for Newborn
Replies: 19
Views: 1052

Re: Mother's or Father's Insurance for Newborn

One more: federal insurance regulations require that the mother’s health insurance cover a newborn for up to 30 days, after which the child will need to be listed as an individual on whichever plan you choose. I believe the visits for that child that are not post-natal care as dictated by your insur...
by Picasso
Tue May 26, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's or Father's Insurance for Newborn
Replies: 19
Views: 1052

Re: Mother's or Father's Insurance for Newborn

I work in the industry and was just researching a portion of this for our plan today. On our HDHP plan design, for pregnancy, the pre-natal visits (excluding lab and imaging), delivery, and post-natal visits are billed as a single bundled charge after the hospital visit for delivery itself. This app...
by Picasso
Tue May 26, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5764

1:1 salary and stock jobs?

I sometimes see posts where people (I’m presuming in tech) have positions that pay close to 1:1 salary and stock (e.g. $150k salary and $100-150k stock). What types of positions are these and at what types of companies? The cash compensation portion indicates to me that most of are not senior or exe...