Search found 667 matches

by LowER
Sun Feb 26, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 62
Views: 5463

Re: Credit card: Cash versus Flight Miles

Wow! Overwhelming responses. Thanks so much to everyone. Great input. Lots to ponder.
by LowER
Thu Feb 23, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 62
Views: 5463

Credit card: Cash versus Flight Miles

I recently got the travel bug and I've read some threads on how to use/churn cads but I don't think that I've ever seen anyone ask the question about whether, dollar for dollar, is someone better off using a cash back card (like AMEX Blue Preferred) and then using the cash to fly or whether using a ...
by LowER
Fri Jul 22, 2016 1:01 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 19068

Re: How many folks choose to give inheritance to their children in unequal portions?

I'll be dead at that point. Why/how/when would I care? If I had a disabled child, my answer would not be same, but to what degree? Lots of considerations there....
by LowER
Sun Jul 10, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 3046

Re: Due diligence before becoming a shareholder in a medical practice

Gemini wrote: The latest "new" partner - I spoke with him and he has the same issues as me : no clear understanding of how compensation works, why the overhead is high and why he is getting paid little. I Edit: I just re-read that and it makes the place look bad, but it really isn't. The ...
by LowER
Sun Jul 03, 2016 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 107
Views: 11365

Re: Handling "drive-by" doctoring bills following surgery?

I experienced this first hand with a surgery I had and also live in Colorado. I had surgery in October 2013 and bills I had never seen were sent to me from a provider I had never met in September 2014. I was livid and insurance was refusing to pay anything because I had not met my out-of-network de...
by LowER
Wed Jun 22, 2016 12:32 am
Forum: Personal Consumer Issues
Topic: Where to find data on medical procedure complications
Replies: 8
Views: 964

Re: Where to find data on medical procedure complications

And what do those numbers really mean? Some docs routinely take on high risk patients; their "success" numbers will be lower. Are they really not as good? The global metrics in medicine are horribly flawed. They might be better, given the context(s). If you don't trust your doctor, go else...
by LowER
Sat May 21, 2016 12:16 am
Forum: Personal Consumer Issues
Topic: Books on efficiency in medicine?
Replies: 11
Views: 1261

Re: Books on efficiency in medicine?

"How To Be A Rock Star Doctor:The Complete Guide to Taking Back Control of Your Life and Your Profession"

Very good, especially if primary care or early in career or burnt out.
by LowER
Sat May 14, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 43635

Re: Physician Retirement Savings

Very eye opening to me how many MDs are trying to retire earlier than most (50ish). I'd love to hear from MDs who retired early what was the incentive. The hours? The call? Most of my partners and the doctors I talk to in between surgeries in the doctors' lounge want out because the changes happeni...
by LowER
Thu May 12, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 43635

Re: Physician Retirement Savings

Why not define your own path numerically/statistically, and not by some ethereal norm established by anonymous physicians who are notoriously not great at preparing for their own financial futures? (Though this site may attract lots of outliers). The plural of anecdote is not data. OTOH, I completel...
by LowER
Fri May 06, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Bad option?
Replies: 13
Views: 2193

Re: Northwestern Mutual Bad option?

Hello, I am pretty new to financial planning and was recently referred by a friend to use Northwestern Mutual as my financial planner. They have been super nice and responsive. I have since opened a 500k insurance policy 420k of it term and 80k of it whole life. I have also started a disability pla...
by LowER
Thu May 05, 2016 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Bad option?
Replies: 13
Views: 2193

Re: Northwestern Mutual Bad option?

I am not trying to be snarky, at all. Please search this site for many dozens of poor souls trying to emancipate themselves from NWM. You might find a few replies by me that nearly mirror your experience with a very nice and charming and well dressed NWM salesman and absolutely horrific fees, for me...
by LowER
Wed May 04, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 3696

Re: Considering buying my own modem

Some modems won't support home land lines. I bought one that does not so my comcast landline is inert, which ironically saves me money and we don't miss the land line, but it would be nice, maybe, occasionally. Just something to be aware of.
by LowER
Sun May 01, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9929

Re: How to Bogleheads TRAVEL?

When I travel for business, most of those choices are dictated by the place I am going and who is sponsoring the trip. Travel that is not for business is strictly limited. I go only short distances from home and I drive, or walk. If it is far enough away that I need to take an airplane or book a ho...
by LowER
Sat Apr 23, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 6207

Re: Physician Specialists Looking for career advice

There are lots of physicians who profit immensely by eating their young. As stated above, expect to get screwed, and also expect that you will likely not be in that same position in 3 years so don't buy the castle, the sports car, and club membership until you've been around a few years. I've seen t...
by LowER
Tue Apr 19, 2016 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 129
Views: 20877

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

I bought on the low (pure luck) for now anyways. This may temporarily be one of my better investment adventures. Then again, it might not be. I do enjoy the gains but one of my goals is to not sell anything until I retire while reallocating from purchases alone. This approach feels important in my t...
by LowER
Mon Apr 18, 2016 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 4178

Re: Medical School preparation Pointers for a Sophomore Student

So there's a whole lot to know here. I'm finishing up residency, about to start fellowship. She needs to understand what she is getting herself into. She's about to work harder than any of her colleagues for the next 10-15 years through training, then continuing to work hard for the rest of her lif...
by LowER
Sat Apr 16, 2016 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 44
Views: 7692

Re: Now i get it - mortgage payoff

I wish that my emotional need for paying my mortgage early was backed by math and stats. I don't think that it is. Oddly, I get immense immediate gratification in the delayed gratification of paying it off early and that motivates the heck out of me, taking extra shifts, selling back vacation time n...
by LowER
Thu Apr 14, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4539

Re: Meeting with a Fidelity Financial planner, is it useful?

Yes, useful to me. No cost, and I like having a face-to-face with the folks who are my most direct representatives at FD. I appreciate having a second set of eyes looking at my portfolio on a yearly basis. +1 My Fido account is through my employer so no AUM and pretty darn good investment choices. ...
by LowER
Thu Apr 07, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 10058

Re: I'm Addicted

The more I read = the more I read. It always comes back to the good old boring 3 fund portfolio. A few tilts with nominal dollars have resulted in a few more dollars, for now. In essence, the marginal benefit for me for reading hundreds, probably thousands, of more hours has resulted in minimal marg...
by LowER
Mon Apr 04, 2016 12:55 am
Forum: Personal Finance (Not Investing)
Topic: When is it ok to splurge?
Replies: 83
Views: 9320

Re: When is it ok to splurge?

What type of boat do you want? Blow boat, power, sea, fresh? Will it fit in your garage? Are you handy enough to do required maintenance? Is it a brand that sells for less but is high maintenance or the opposite? Do you intend to buy new? How much is your post-tax income compared to the price of the...
by LowER
Thu Mar 31, 2016 12:05 am
Forum: Personal Consumer Issues
Topic: xfinity solar ??????
Replies: 3
Views: 516

xfinity solar ??????

I got an email from Comcast re: xfinity solar today.

Anyone else get similar?

Any thoughts?
by LowER
Tue Mar 29, 2016 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 1731

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

Please please please go to firecalc.com and run your numbers, and concentrate on changing the numbers for ER for your accounts. It shouldn't take more than an hour or so and you will see, without hyperbole, just math and stats, how much that advisor is actually going to cost you over the long haul. ...
by LowER
Mon Mar 28, 2016 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Re-thinking Umbrella Insurance - just up Auto/Home Instead
Replies: 80
Views: 7080

Re: Re-thinking Umbrella Insurance - just up Auto/Home Instead

IANAL: My takeaway from these anecdotes and more so from observations as a long-ago court employee: Your interests may not align with the interests of the insurance company, and if a lot is potentially on the line, you may be best served by having your own lawyer even when you believe that your insu...
by LowER
Tue Mar 22, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub
Replies: 6
Views: 667

Re: Jetted Tub

8 years personal use with tub installed when home built in early 2000s. No issues with use every month or 2. No special maintenance. Maybe just lucky.
by LowER
Tue Mar 22, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Completing specialized surveys for a side revenue stream
Replies: 6
Views: 1074

Re: Completing specialized surveys for a side revenue stream

Sometimes the Sunshine Act will apply to these.
by LowER
Tue Mar 15, 2016 12:57 am
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 6466

Re: Late Starters

.....
by LowER
Fri Mar 11, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Brother undercharged himself as family trustee
Replies: 26
Views: 3801

Re: Brother undercharged himself as family trustee

DTSC wrote:Can I just say that I'm extremely impressed by the fact that your brother undercharged the estate and also that the other siblings appreciated his doing so. Your parents must have done something right.


+100
by LowER
Fri Mar 04, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 8513

Re: Cast Iron Frying Pans

A well-seasoned cast iron (not enameled) skillet is the penultimate for many dishes - think 60+ year old well seasoned skillets. There is no substitute. Imagine eggs sliding around like air hockey pucks. I have Staub, entire Demeyere Pro line set, high-end All-Clad and Mauviel, etc., (very frugal mo...
by LowER
Fri Feb 19, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Saving
Replies: 68
Views: 6007

Re: Engagement Ring Saving

Isn't there a study showing an inverse relationship between engagement/wedding ring cost and marriage longevity, or was that cost of wedding?
by LowER
Wed Feb 10, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 3872

Re: Sell truck and buy SUV?

So, do I sell the Tundra and buy a larger SUV? Then whatever hauling I needs to do, I either manage with the SUV or rent the truck from the big-box store. Wait until you find the right SUV, then sell the truck. Don't expect to get as much as your heart will tell you it is worth - 12 year old trucks...
by LowER
Tue Jan 26, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: I think MacBook Air has a "bug"
Replies: 32
Views: 2963

Re: I think MacBook Air has a "bug"

Same problems on a new macbook pro. My nephew installed Ad Block Plus over the holidays and problems are gone.

He worked on my 8 year old Mac Pro as well. We ended up erasing and re-intalling the OS and it works great again, even with hundreds of gigs of pictures and music.

Good luck
by LowER
Thu Jan 07, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 20511

Re: Tough Frugal Decisions

If you make frugality a game and a challenge and a lifestyle, there are fewer tough decisions.
by LowER
Tue Jan 05, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 12438

Re: Savings % Target 2016?

.....
by LowER
Sun Jan 03, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 12438

Re: Savings % Target 2016?

jbourne99 wrote:I don't really have a target but:
2015 - 93% of gross income
2016 - will probably be around 94%


Holy MMM Batman! How how have you done this?
by LowER
Sun Jan 03, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 12438

Re: Savings % Target 2016?

......
by LowER
Sun Jan 03, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: More Edward Jones questions...
Replies: 13
Views: 1440

Re: More Edward Jones questions...

Welcome to Bogleheads! :sharebeer 1. Immediately stop sending EJ money. 2. Move the money you have with them somewhere else - Vanguard is a good choice, as is Fidelity Investments. 3. Consider the load and fees you have already paid EJ as financial education tuition - we've all been in your situati...
by LowER
Sun Jan 03, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 27
Views: 5289

Re: Stunning Increase In Homeowner's Ins Premium

I'm with the Hartford presently (switched to them 2 years ago from State Farm). Last year's Hartford insurance premium was $1043. This year they are quoting me $1650 (58% increase). Nothing has changed in my coverage, no claims, nothing. I called and the nice agent said that she could see no reason...
by LowER
Fri Jan 01, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Scary Consumer Warnings on New Towels
Replies: 19
Views: 2807

Re: Scary Consumer Warnings on New Towels

I'm a professional chemist. I know about dyes, cotton, peroxides, etc. I wash my towels in hot water. And I wash my white T-shirts with my dark blue towels. My T-shirts stay white. How about yours? My wife turned all my brand new white underwear a nasty grey color by washing them with new navy blue...

Go to advanced search