Search found 116 matches

by Spooky
Tue Nov 03, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP during pregnancy?
Replies: 29
Views: 1912

Re: HDHP during pregnancy?

You should run the numbers for yourself--I did this the year I was pregnant, and the HDHP was always superior due to difference on premium expenses and the tax deduction from the HSA.
by Spooky
Thu Sep 17, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2734

Re: Books or Courses on leadership that helped your career

I loved Turn the Ship Around! by L. David Marquet.
I'm not sure it's particularly helped my career, but it has helped me understand why some things don't work in my organization. And how they could be fixed if people above me were more interested.
by Spooky
Fri Aug 28, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone created a business just to be able to have a Solo 401k?
Replies: 12
Views: 1753

Re: Has anyone created a business just to be able to have a Solo 401k?

Get a few things at a thrift store that you can flip on eBay. Voila! You’ve got a business.
by Spooky
Wed Jul 15, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1476

Re: Book recommendations on leadership and management

Turn The Ship Around! by L David Marquet, a navy submarine captain. A lot of it is about getting staff to think for themselves, and not just do a job rotely, which is important in my profession.
by Spooky
Wed Jul 15, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Non slip bathroom flooring
Replies: 21
Views: 1200

Re: Non slip bathroom flooring

If you have small tiles, the grout lines provide some friction: Example: https://www.lowes.com/pd/Satori-Hudson-Brilliant-White-and-Black-10-in-x-12-in-Matte-Porcelain-Hexagon-Mosaic-Wall-Tile/1001038618?cm_mmc=shp-_-c-_-prd-_-flr-_-google-_-lia-_-230-_-walltile-_-1001038618-_-0&store_code=2619&...
by Spooky
Thu Feb 27, 2020 1:04 am
Forum: Personal Consumer Issues
Topic: bought a used laptop on eBay at great price but feel guilty
Replies: 38
Views: 4394

Re: bought a used laptop on eBay at great price but feel guilty

I've sold stuff on ebay I couldn't give away on craigslist--i.e. a tractor-feed printer. $80. So maybe there is someone out there who feels it is worth more, but I was super happy to get $80 and the printer did not go to a landfill. If the seller is okay with it, that's fine.
by Spooky
Thu Feb 13, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5843

Re: Toy overload alternatives for grandparents

Climate change is real, and create more and more mountains of junky toys has an environmental cost. Go to a goodwill outlet near you and see how many donated toys are going to end up in a landfill fairly quickly.
by Spooky
Mon Jan 27, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Benefits of buying things secondhand?
Replies: 93
Views: 7552

Re: Benefits of buying things secondhand?

I love buying second hand. The vast majority of our clothes come from the Goodwill Outlet, so $1.29/pound. Kids books at $0.39. If I need more specific items of clothing, then I look at eBay, swap.com, schoola. I don't have a watch, but do get shoes used--usually ebay or poshmark for me. I get my ki...
by Spooky
Wed Jan 08, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: Help me choose a pulmonologist
Replies: 50
Views: 4169

Re: Help me choose a pulmonologist

I would not get on a plane to the Mayo Clinic, for something that might be nothing. Lots of people have CT scan findings that are nothing. It might be reasonable for the OP to talk with his PCP about this lung finding. PCP can also talk to the radiologist who read the scan about whether they think i...
by Spooky
Thu Jan 02, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Dental Office Submits Claim Late and Have Threaten to Report Me to Collection Agency
Replies: 24
Views: 2258

Re: Dental Office Submits Claim Late and Have Threaten to Report Me to Collection Agency

Isn't the preventive coverage separate from treatment of problem coverage--if visit number #2 was an emergency, I would assume there was some sort of symptom or problem.
Also I think the timeliness of billing is something that the dentist and insurance company have covered in their contract.
by Spooky
Mon Dec 30, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby Hospital Stay Straddling New Year - Insurance Impact?
Replies: 7
Views: 638

Re: New Baby Hospital Stay Straddling New Year - Insurance Impact?

There are several players at work here. The provider billing for the delivery would generally bill based on the date of admission for delivery, which is a global fee, so it shouldn't matter for the mother's billing. The doctor for the baby will bill based on daily visits. So if the baby's doctor see...
by Spooky
Wed Dec 11, 2019 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Tips on medical practice partnership buy-in?
Replies: 55
Views: 3001

Re: Tips on medical practice partnership buy-in?

Please get a lawyer, and ask a lot of "what if" questions. I find it hard to believe the practice does not have a lawyer. So if you buy in, and you all get an equal share of AR, what if one partner decides to work half-time? Or not take call? Does the practice have an accountant who can gi...
by Spooky
Sun Nov 10, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 4010

Re: Tale of 2 doctor job opportunities

Private practice can seem great, and everyone cites autonomy. But sometimes when you joint a group, all the office staff have had years of training to make senior partners happy, and have no interest in making any changes. Also with regards to "splitting everything." I have had the experie...
by Spooky
Wed Oct 23, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 12137

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Why did you choose an iPhone?: My husband, who is a software developer, suggested I get an iPhone, although he has only had androids himself. He likes things he can "hack."- Maybe this is a sign he thinks I am technologically slow. How often do you upgrade/ Why did you upgrade? : When the ...
by Spooky
Wed Mar 20, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: First Job Offer Out Of College - No Medical Insurance
Replies: 16
Views: 1574

Re: First Job Offer Out Of College - No Medical Insurance

I am a part-owner of a small company with about 15 employees and we provide health insurance. It is not some overwhelming task to do this.
by Spooky
Thu Oct 11, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluating dual HDHP coverage
Replies: 9
Views: 930

Re: Help evaluating dual HDHP coverage

I don't see where the OP posted what the family deductible would be for her HDHP plan. Quote from publication 969: " Family plans that don’t meet the high deductible rules. There are some family plans that have deductibles for both the family as a whole and for individual family members. Under ...
by Spooky
Thu Sep 13, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3799

Re: How to determine quality of a finished new construction home

I would also look at ventilation. There are calculators online to figure out how much soffit and roof ventilation is optimal. It makes a big difference in keeping your house cool in the summer. We just redid the roof ventilation on our 1964 house, and it's not hard, but I think it tells you somethin...
by Spooky
Sat Jun 02, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 21741

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

I got scholarships for my undergraduate degree from a community foundation and from the university. The community foundation scholarship was mostly based on academics and the university scholarship more based on music skills. We did not have any significant financial need. I went to the flagship sta...
by Spooky
Wed May 30, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 6602

Re: Fitting three young kids in the car...

I can put 3 kids in the back of a Prius. We have the Diono radians, but you could probably do it with other seats as well.

Check out this site:

http://thecarseatlady.com/fitting3across/
by Spooky
Wed May 23, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 2451

Re: Babymoon - Hawaii Recommendations/Expected Costs

A babymoon sounds great, but remember if you are travelling past the point of viability, ~23 weeks, if something significant happens like premature rupture of membranes, you may be stuck there until the baby is born, and if premature, through the NICU stay. This is not common, but I have known multi...
by Spooky
Tue May 08, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 81
Views: 9472

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Good luck to you OP. Just for a data point, I have a similar income. We spent $13k on my "new" car which was used. It is a mid-size sedan, but can fit 3 car seats across the back seat. Would check into narrow car seats if you are planning more than one child, as it can make most cars doabl...
by Spooky
Mon Mar 05, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 11440

Re: wild caught sockeye salmon

I would not be surprised that wild fish had worms. I don't think that it has anything to do with Costco. Fish have parasites. People had worms for most of human history.
by Spooky
Sat Dec 16, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plans
Replies: 11
Views: 1645

Re: 529 Plans

If your income is too high for an ESA, you can contribute to a UTMA then transfer into ESA. Or have someone else contribute.

Unfortunately the contribution limits are relatively low, and their future is uncertain.
by Spooky
Tue Dec 05, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 94
Views: 6511

Re: Running Linux vs Other OS?

You can set up your machine to run both, with a partition. I am not sure about the details of how to do, as my husband did it for me, but then you can use both.
by Spooky
Mon Nov 13, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Do we need disability insurance
Replies: 59
Views: 9926

Re: Do we need disability insurance

Yes, your premium does seem high. My occupation would be classified as 4M by Principal. I pay $2700 per year for $7000/month coverage. I don't have the catastrophic or COLA riders or future increase though. I started the policy when I was 38.
by Spooky
Thu Aug 10, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 8616

Re: Oregon road trip help

I would check the fire situation around Crater Lake--part of the Rim Drive was closed recently, so get good information before you go. Portland has a lot of great sites. I think very interesting to walk in the downtown and near downtown areas--Washington Park, the Rose Garden, the Pittock mansion. O...
by Spooky
Thu Aug 10, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 10994

Re: Struggling with Justifying an Expensive Car Purchase

I would think about a different car seat.
by Spooky
Mon May 08, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 3277

Re: Cord Blood Banking

This may vary from company to company, but my understanding is that, even if you have a reason to need that blood later--if it was somehow contaminated in the collection process, and thus unusable--you will not get a refund.
by Spooky
Wed Feb 22, 2017 11:53 am
Forum: Personal Investments
Topic: MyRA for Vacation Savings - Rollover Issue?
Replies: 12
Views: 1275

Re: MyRA for Vacation Savings - Rollover Issue?

This all sounds do-able, although potentially some hassle to make $24 (or a little less since you would have made $10 from an online savings account). https://myra.gov/get-answers/contributions-and-withdrawals/#tab-eight According to the website it seem that the scenario you describe should work. I ...
by Spooky
Mon Jan 23, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 45
Views: 4913

Re: When/If a degree is useful for software developers?

Thank you for all the responses. I think my gut feeling was that for him to have more potential employment options, a move to a bigger city may be more helpful than a degree. But in the meantime maybe we can find a way for him to network prior to that, and we can explore options for a degree if it w...
by Spooky
Fri Jan 20, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 45
Views: 4913

When/If a degree is useful for software developers?

My husband is 44 and has been working in IT, software development his entire career. He went to college for mechanical engineering and wasn't a great student and left without a degree. We moved to a rural area two years ago, and he continued to work remotely for his previous employer until the compa...
by Spooky
Thu Jan 19, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 7871

Re: Medical Billing Disagreement - Stark Law

I don't think this is a really a Stark Law issue. I think some office staff just use this as jargon. I think the billing is more related to contracted agreements with insurance companies. The doctor charges a certain amount for a service, and then gets contracts with insurance companies that may pay...
by Spooky
Sun Jan 08, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Doctors and retirement
Replies: 67
Views: 10184

Re: Doctors and retirement

I would submit that the expectation for doctors to support family is higher than that of the general population. I certainly consider the lack of retirement planning of certain family members in my retirement planning. I don't intend to be making cash payments, but I may need to consider having a 4 ...
by Spooky
Wed Jan 04, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 26
Views: 2617

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

1) You are very lucky to have any coverage for IVF. Not to say that you don't have a valid complaint, but just for some perspective. If you have already argued with the doctor's office and lab, I would try the insurance company next. But, what I think will happen is that they will say ultimately it ...
by Spooky
Fri Dec 30, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity loan for kitchen improvement?
Replies: 19
Views: 2063

Re: Home equity loan for kitchen improvement?

Agree with above. I think it is very difficult to get your money back out of a kitchen remodel. Some sprucing up--painting or changing knobs or a new light fixture can be a good idea. How bad is it?
by Spooky
Thu Dec 29, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 17816

Re: I'll never save a 20% down payment. Rent for life?

Back to the wife working, with an RN she does not have to do 12 hour nights at the hospital. What about a phone advice nurse position? An evening or weekend clinic job. Or sick kid nanny? When my kids are sick, my husband has to stay home with them. There are lots of times when kids can't go to dayc...
by Spooky
Tue Nov 01, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 11906

Re: Healthcare costs and self funding

Most people do get something before they have to pay their entire deductible. Yearly GYN exam for women, screening Pap smears Well child exams and vaccines for kids. Screening colonoscopy Screening mammograms Contraception I know this is probably little consolation to the OP, but at least it's somet...
by Spooky
Thu Oct 06, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 633

Re: Advice about a trustee-directed 401k

There are about 15-20 employees, so it may be that no one was particularly interested when it was set up. I am going to get more information about the expense ratios when I can. The amount of slice and dice just seems too much, and two of the funds listed "annual turnover of greater than 100%.&...
by Spooky
Wed Oct 05, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 633

Re: Advice about a trustee-directed 401k

Thanks for bringing me back to earth. I was very worried. I will look into the expense ratios further. I was really concerned about how many stock funds there. There are many that are <2% of the total plan assets, and I was concerned that someone is making money off excessive slice and dice. And the...
by Spooky
Tue Oct 04, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 633

Advice about a trustee-directed 401k

I have changed jobs and became eligible for the 401k. After I signed up, I waited to hear about when I could make my selections for funds. After that never came, I started a series of e-mails. Eventually after multiple weeks, I learned that the 401k is trustee directed, so it seems all the investmen...
by Spooky
Fri Sep 30, 2016 5:15 pm
Forum: Personal Investments
Topic: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 21791

Re: Beginner's guide to not getting con'd by Chase

1.25% to manage funds is bad enough, but people are paying 1.25% to have their checking account "managed"?
by Spooky
Fri Aug 26, 2016 9:43 am
Forum: Personal Investments
Topic: Should I invest ANYTHING right now?
Replies: 27
Views: 4332

Re: Should I invest ANYTHING right now?

I would vote for investing in a Roth now. Over the long term, it may not make a huge difference, but why not maximize all the tax deferred space you can? Also you can get the contribution back without penalty if an emergency came up. I would consider keeping around $40k for emergency fund, although ...
by Spooky
Wed Aug 10, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: College bubble - any good articles or books on this?
Replies: 57
Views: 6375

Re: College bubble - any good articles or books on this?

Sorry if this is off topic, but can someone explain how the AMA is limiting the number of medical schools? My understanding is that the AMA is essentially a lobbying group. Here is an article about to how to start a medical school. http://c.ymcdn.com/sites/www.txosteo.org/resource/resmgr/imported/St...
by Spooky
Mon Jun 13, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How to best afford IVF [In Vitro Fertilization]
Replies: 55
Views: 8555

Re: How to best afford IVF

I would check and make sure that the cost you were quoted per cycle includes medications. $7k per cycle actually seems very low. They may be quoting the costs that you would pay the clinic, and then you would be ordering medications on your own. I think the best way to afford IVF for you will be to ...
by Spooky
Thu Jun 09, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: physician disability insurance as a resident
Replies: 16
Views: 2508

Re: physician disability insurance as a resident

You may want to get some different quotes and see what other companies have to offer. I am paying about $2500/year for $7k/month benefit. It is own specialty, and I am in a surgical specialty. I can't remember all the riders off-hand. The company was Principal. The policy started when I was about 38...
by Spooky
Mon May 02, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Privia Medical Group
Replies: 56
Views: 7163

Re: Privia Medical Group

Then get authorization for additional charges before they occur. My dentist does this. Contractors to this. My mechanic does this. And the subcontracted lab/pathology fees should be built-in to the fee you charge for the service. When my dentist had to re-build a crown, the fee the lab charged to m...
by Spooky
Sat Mar 05, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 6279

Re: Meaning of term "Board Certified Physician"?

Board eligible, in my experience, is usually used for physicians who have completed residency but have not yet completed board exams. It takes at least a year before one is even eligible to complete board exams. This may differ between specialties.
by Spooky
Mon Jan 25, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 43
Views: 4941

Re: Trip to Oregon

Other places on the way to Crater Lake: Steamboat Inn, which is about 30 minutes east of Roseburg on the North Umpqua River to the north entrance of Crater Lake. Had a reputation for great food in the past, but I have moved away and thus not sure what it might be like now. http://www.thesteamboatinn...
by Spooky
Wed Jul 08, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 9831

Re: If you wouldn't buy it, then you should sell it

But most people buy what they want or need in the first place. That is why SUV's exist. But MM, like other anti-SUV zealots, can't fathom this: "Not many people realize the staggering effects of a poor vehicle choice, which is the reason SUVs exist in the first place." Seriously? EVERYONE...
by Spooky
Fri May 15, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 267
Views: 52645

Re: Aren't we overdoing electronic auto safety features?

I think you would want to include serious injuries in your calculations.