Search found 174 matches

by goosecat
Fri Jan 01, 2010 10:49 am
Forum: Personal Consumer Issues
Topic: 2010 BOGLEHEAD CONTEST REGISTRATION
Replies: 284
Views: 31947

1313.13
by goosecat
Mon Aug 31, 2009 10:03 am
Forum: Investing - Theory, News & General
Topic: How does ING Direct do it?
Replies: 86
Views: 16776

Gekko wrote:thanks for the replies. is there any catch? who else here uses ING Direct?
No catch. I've used INGDirect for years.
by goosecat
Sun Aug 30, 2009 9:00 am
Forum: Personal Consumer Issues
Topic: Pension spiking in CA
Replies: 27
Views: 3109

Pensions should be eliminated from the government. There is a reason private industries don't do pensions anymore - it ridiculously overcompensates their employees and would drive the company to at best uncompetitiveness and at worst bankrupcy.
by goosecat
Thu Aug 27, 2009 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Crazy for buying a short sale house?
Replies: 15
Views: 3619

I contacted a title company and they said there is no reason for them to be involved until the offer has been approved. I received a generic copy of the Purchase and Sale Agreement. Wow, there is a lot of legalese. I'm going to want to have a real estate attorney review it prior to submitting the of...
by goosecat
Tue Aug 25, 2009 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy for buying a short sale house?
Replies: 15
Views: 3619

Thanks dpardpar and giacolet for your specific advice. I will contact a title company and then submit an offer. I will definitely get a real estate attorney to review everything before finalized.
by goosecat
Sat Aug 22, 2009 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Crazy for buying a short sale house?
Replies: 15
Views: 3619

Crazy for buying a short sale house?

Anybody have any advice or experience in buying a short sale? I'm interested in a property that is in good condition. The owner owes significantly more on her loan than the current market price. I'm not sure how many liens are on the property but I will find this out. I know short sales can take mon...
by goosecat
Thu Aug 13, 2009 12:15 am
Forum: Personal Consumer Issues
Topic: I love coffee
Replies: 94
Views: 11955

Roast my own coffee. It's fantastic.
by goosecat
Fri Jul 24, 2009 7:24 am
Forum: Personal Finance (Not Investing)
Topic: # of Doctors to Increase Under Healthcare Reform
Replies: 63
Views: 8529

There is great misinformation amongst the public regarding PA's and NP's. Myth: PA's/NP's are assisting a doctor. Fact: PA's/NP's ARE the doctor. I've worked at many urgent care and primary care offices and there has never been direct supervision by an MD (or DO). They are acting in complete autonom...
by goosecat
Sun Jul 12, 2009 12:32 am
Forum: Personal Consumer Issues
Topic: Question for physicians- taking the job home
Replies: 24
Views: 4060

Save as much money as possible and live a low-expense lifestyle. The closer you get to being financially independent, the less stuff at work will bother you. Once you are FI, it'll relieve a lot of stress knowing you can walk at any time.
by goosecat
Fri Jul 10, 2009 9:43 pm
Forum: Personal Consumer Issues
Topic: Easy Money Physicians Overlook
Replies: 95
Views: 16989

This coding strategy works great when the patient has low or no deductible because the patient isn't cost sensitive. However, more and more patients are on high deductible plans so they will be paying out of pocket for many visits until their deductible is met. The higher the cost of the visit, the ...
by goosecat
Thu Jul 02, 2009 2:38 pm
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 24169

Goosecat wrote: It's also amazing how much free care is given to people with nice cars, multiple kids running around, more than enough money for alcohol, cigarettes, junk food, entertainment, etc. My wife, an OBGYN, tells of similar stories. She sees some patients with medicaid and the office staff...
by goosecat
Thu Jul 02, 2009 10:12 am
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 24169

This is my perspective of current America, and I am pessimistic. Are only stupid people breeding? The underbelly of America is significantly overrepresented in ER's because their care is free - either through government programs or written off by the hospital as "charity" when they decline to pay. ...
by goosecat
Thu Jul 02, 2009 2:58 am
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 24169

Great to hear everybody's thoughts and advice. I'm a few years out of residency and haven't been sued yet but I fear it every day. It has certainly affected the way I practice and is a large factor in my desire for early retirement. It's stunning how much malpractice insurance costs especially tail ...
by goosecat
Fri Apr 10, 2009 10:13 pm
Forum: Personal Consumer Issues
Topic: How to find a good dentist?
Replies: 5
Views: 1231

How to find a good dentist?

Any recs on how to find a good general dentist? I will be paying cash. Getting a referral from a trusted friend or family member would be nice but let's say this isn't an option.
by goosecat
Tue Apr 07, 2009 11:31 am
Forum: Investing - Help with Personal Investments
Topic: I bought VSS; spread has been consistently very small
Replies: 25
Views: 6258

I came to the same conclusions when I followed VSS for a couple hours before placing my trade yesterday. The spread is being set presumably by Vanguard who is offering a set amount of shares at the bid and ask price separated by 6 cents. I don't know exactly how the start of an ETF works but I assum...
by goosecat
Tue Mar 31, 2009 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Any Doctors who have changed careers?
Replies: 38
Views: 7197

The current doc I have does the unnecessary testing thing and constantly makes me come in for ANY prescription, which is utterly ridiculous (I get sinus infections fairly frequently and don't need to be seen for the antibiotic script... Your doctor doesn't get paid unless a patient is actually seen...
by goosecat
Tue Mar 24, 2009 2:06 pm
Forum: Investing - Theory, News & General
Topic: What if there is nobody willing to buy your ETF shares?
Replies: 10
Views: 1731

Re: What if there is nobody willing to buy your ETF shares?

Also, I think with Vanguard ETF's, I thought I recall reading if you own past a certain limit (A Creation Unit, which seems to be 100K shares), you can redeem directly from the fund under some conditions. Interesting. If you don't own a creation unit, then you have no rights to the underlying stock...
by goosecat
Tue Mar 24, 2009 8:34 am
Forum: Investing - Theory, News & General
Topic: What if there is nobody willing to buy your ETF shares?
Replies: 10
Views: 1731

What if there is nobody willing to buy your ETF shares?

With mutual funds, you are guaranteed to be able to liquidate your shares at the end of the trading day at NAV. With ETF's, as far as I know, you need to have a buyer in order to liquidate your shares. In an extreme scenario, what if there are no buyers for a long time? Is there any fallback way to ...
by goosecat
Mon Jan 26, 2009 11:46 am
Forum: Investing - Theory, News & General
Topic: GOT ANY PEARLS OF WISDOM FOR BOGLEHEADS BOOK?
Replies: 210
Views: 35062

Money is a means, not an end.
by goosecat
Mon Oct 06, 2008 4:38 pm
Forum: Personal Consumer Issues
Topic: Home Theater systems
Replies: 35
Views: 8474

Thanks so much Boris and goosecat, I already have the speakers and a reciever. Budget is about $4000+ because I know more than half will go to the projector alone. Steve Your projector need not cost that much. The projector I would recommend for most people is the Panasonic AX200u which goes for on...
by goosecat
Mon Oct 06, 2008 7:54 am
Forum: Personal Consumer Issues
Topic: Home Theater systems
Replies: 35
Views: 8474

http://www.Projectorcentral.com is a great place to start for reviews and intro articles.

http://www.Projectorreviews.com is useful also.

If you really want to delve into things, go to the avsforum.com projector sections.
by goosecat
Tue Sep 23, 2008 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Age 59, have $400K, spend $2,500/month, need advice!
Replies: 41
Views: 11026

Just curious, how are you going to pay for health care before Medicare kicks in?
by goosecat
Wed Sep 17, 2008 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: I think I found the best HSA option
Replies: 14
Views: 3764

HSA Admin actually looks pretty good... they seem to mainly have one annual fee and thats it so thats not bad! I dont know if thye have more though. and they let you invest in good mutual funds... it seems promising... im checking them out more In addition to the annual fee, they have a quarterly e...
by goosecat
Tue Sep 16, 2008 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: I think I found the best HSA option
Replies: 14
Views: 3764

Have you looked into HSAadministrators.com? Low fees and lots of Vanguard admiral funds to choose from.
by goosecat
Mon May 05, 2008 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: New Car Negotiation Process Has Begun!
Replies: 50
Views: 10726

Re: negotiation

Not always true! Even a year later this part of the whole car buying experience still makes me shake my head and laugh. The largest dealer in my area refused to even give me an initial quote over e-mail and just wanted me to come in. I e-mail back just asking for him to just give me an initial quot...
by goosecat
Mon Apr 07, 2008 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Gym/Fitness
Replies: 45
Views: 14571

Rubbing flaxseed oil works great.


-Barry Bonds
by goosecat
Fri Mar 21, 2008 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

Re: so many double negatives

goosecat, just an aside, you have so many double negatives in your question that I just can't get head around what you're asking!! :wink: I am going to take up drinking. I totally agree. I was trying to figure out some other way to write it but I couldn't. In the future, I promise I won't stop igno...
by goosecat
Fri Mar 21, 2008 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

I happen to agree that it is stealing but am unsure of the best way to address the large scale issue. What if there was an easy way to garnish someone's wages to pay for their debt? Plenty of people in massive debt are still spending money on luxuries (which is how they got into their problem in th...
by goosecat
Fri Mar 21, 2008 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

The likely distinction is intent. Larceny is clearly an intentional crime. With respect to credit cards, failure to pay presumably was not the intent at the time the items were charged to the card. Theoretically, I suppose if a prosecutor could prove intent at the time of use of the credit card, he...
by goosecat
Fri Mar 21, 2008 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

What penalty do you suggest for the crime? Debtor's prison? The same penalty as if the goods/services were stolen. Better quadruple the number of prison beds we have! Or we could just cut people's hands off? Don't they do this somewhere in the world? According to your argument, we should simply mak...
by goosecat
Fri Mar 21, 2008 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

EmergDoc wrote:What penalty do you suggest for the crime? Debtor's prison?
The same penalty as if the goods/services were stolen.
by goosecat
Fri Mar 21, 2008 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Why isn't it illegal to not pay off your credit card?
Replies: 40
Views: 6891

Why isn't it illegal to not pay off your credit card?

Isn't the failure to pay your credit card / doctor's bill / mortgage the same as stealing? If so, why isn't it prosecuted the same way? If I go into a store and walk out with a TV without paying, they call the cops and put me in jail. But if I charge a TV with my credit card and simply don't pay the...
by goosecat
Sun Mar 09, 2008 12:24 pm
Forum: Investing - Theory, News & General
Topic: Surging costs of groceries hit home
Replies: 49
Views: 7768

Drewnowski concluded that the rules of the food game in America are organized in such a way that if you are eating on a budget, the most rational economic strategy is to eat badly — and get fat. This is not a starving 3rd world country in a famine where people need to maximize their calorie consump...
by goosecat
Sun Mar 09, 2008 12:20 pm
Forum: Investing - Theory, News & General
Topic: Surging costs of groceries hit home
Replies: 49
Views: 7768

VictoriaF wrote: I don't buy junk food, and therefore, I don't have the exact prices. But I think a large bag of supermarket candy is cheaper than a pound of apples.
Next time you are at the grocery store, check out the prices of the chips, soda, and candy. You may be surprised at what you find.
by goosecat
Sun Mar 09, 2008 12:16 pm
Forum: Investing - Theory, News & General
Topic: Surging costs of groceries hit home
Replies: 49
Views: 7768

Drewnowski concluded that the rules of the food game in America are organized in such a way that if you are eating on a budget, the most rational economic strategy is to eat badly — and get fat. This is not a starving 3rd world country in a famine where people need to maximize their calorie consump...
by goosecat
Sun Mar 09, 2008 11:59 am
Forum: Investing - Theory, News & General
Topic: Surging costs of groceries hit home
Replies: 49
Views: 7768

Given the typical American waistline, cutting back on groceries would be a good thing. Unfortunately, cuts in the consumption of vegetables and fruits will lead to the increased consumption of chips and cheap chocolate--at the net gain to the waistline. If you think the cost of fruits/veggies is hi...
by goosecat
Sun Mar 09, 2008 10:42 am
Forum: Investing - Theory, News & General
Topic: Surging costs of groceries hit home
Replies: 49
Views: 7768

Given the typical American waistline, cutting back on groceries would be a good thing.
by goosecat
Mon Mar 03, 2008 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: I want a vanguard t-shirt
Replies: 9
Views: 3604

Vanguard should be PAYING us to wear their tshirts. :lol:
by goosecat
Sat Mar 01, 2008 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting; Getting VG to upgrade to specific ID
Replies: 35
Views: 7497

Count me in. It's ridiculous that vanguard has no specific ID system when all it would take is a simple software/website upgrade. It might be a pain for them to enter all historical lots but at worst they could just allow those interested to do it manually. I'm hoping the new CEO believes in specifi...
by goosecat
Wed Feb 20, 2008 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Stanford endowment up 22%; Families making <$100k pay 0
Replies: 41
Views: 8210

Reading the hypothetical examples shows that Stanford takes into account net worth and home equity. So basically, people who save money will have to pay more tuition than people who don't. Sounds like government programs. There's no perfect system but it's lame that someone with a net worth of $500k...
by goosecat
Sat Feb 16, 2008 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Blu-ray HD DVD Players
Replies: 30
Views: 9789

PS3 FTW. The cheapest because it is subsidized by the gaming division. The best because firmware updates automatically.

You can also stream music, pics, and video from your networked home computer.

You can download HD movie trailers if you're into that.

And it can play games.
by goosecat
Fri Feb 15, 2008 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Ergonomic Chairs
Replies: 14
Views: 6440

I shopped around a lot for a comfy office chair recently and found the Ergohuman to be the most comfortable in comparison with herman miller Aeron & Mirra, Steelcase Leap, and Humanscale Freedom. It is also the best priced. I haven't sat in it for hours upon days though so I can't make a definitive ...
by goosecat
Wed Feb 13, 2008 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Congressional Hearings on Baseball
Replies: 28
Views: 4521

I'm not sure why Congress needs to focus on specific individuals like Clemens but there is a clear reason why they should be discussing steroids in general. It is drug use that if uncontrolled can potentially adversely affect the general population similar to meth, heroin, etc. There is medical deba...
by goosecat
Sun Feb 10, 2008 11:46 am
Forum: Personal Finance (Not Investing)
Topic: On demand hot water
Replies: 24
Views: 5609

If my current tank heater breaks, I will strongly consider an on-demand water heater. The big advantage seems to be an unlimited supply of hot water. The main disadvantage is if you need a very large volume of hot water at one time (kitchen sink, 2 showers) and the weather is cold, you might not hav...
by goosecat
Sat Feb 09, 2008 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will you cancel your landline phone?
Replies: 51
Views: 11673

Re: What do you do about faxes if you pitch the land line?

gweinstn wrote:If you ditch the land line, how do you send and receive faxes?

gweinstn.
I rarely fax but when I need to, I use fax1.com. Works great. You just upload a pdf.

To receive faxes, I use the free efax.com service. I haven't gotten a fax in years though. Most people use email.
by goosecat
Wed Jan 23, 2008 12:47 pm
Forum: Investing - Theory, News & General
Topic: How's that 100% equity allocation working out for ya?
Replies: 182
Views: 43768

http://homepage.mac.com/j.norstad/finance/risk-and-time.gif I've seen this graph before used to demonstrate the risk of stocks but I don't think it is useful unless you compare it to alternate investment possibilities (like the other major player - bonds). Just because there is an extremely large r...
by goosecat
Fri Jan 18, 2008 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities- Academics vs. Athletics
Replies: 44
Views: 7359

The problem is when the U spends a lot of money and doesn't win. Then it's a poor return on investment. That's a good point. If the football/basketball program is losing money net, then there is a potential problem if a college keeps throwing a lot of money at them. I think that all Div 1A football...
by goosecat
Fri Jan 18, 2008 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities- Academics vs. Athletics
Replies: 44
Views: 7359

Think of it as an investment. College football and basketball programs bring in far more money than they expend. That money can then be used to fund other aspects of the college including academics if desired. Even if they don't spend a dime of the profit on academics, it's not like they are taking ...
by goosecat
Wed Jan 16, 2008 1:35 am
Forum: Investing - Help with Personal Investments
Topic: SCZ - Low volume / trading at a premium
Replies: 26
Views: 4383

How do you find out the NAV during the trading day?
by goosecat
Mon Jan 14, 2008 7:55 pm
Forum: Investing - Theory, News & General
Topic: Gee....the affluent don't buy lottery tickets?
Replies: 70
Views: 12460

SPAWNTILYOUDIE wrote:The lottery is not a tax on the poor, it is a tax on the stupid.

If a lottery takes resources away from the stupid, maybe it will be more difficult for them to be prolific procreators.
I like stupid people. They make me look smart in comparison.