Search found 208 matches

by Big Worm
Mon Apr 12, 2021 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Plan
Replies: 32
Views: 1813

Re: Defined Benefit Pension Plan

be careful of costs and expenses. If I had to do it all over again would use an independent consultant, if such a thing exists. Realize you can't just pay yourself a pittance for a salary, it has to be reasonable - and the money you stash away each year depends on your age and actuarial assumptions....
by Big Worm
Sun Apr 11, 2021 7:36 pm
Forum: Personal Consumer Issues
Topic: Deck Replacement Options
Replies: 47
Views: 3671

Re: Deck Replacement Options

Trex is great. I lightly power wash it once a year after the spring pollen has settled. I used a big local company but it was a big project along with the deck. Of course the big company subbed out the deal but the crew we got was solid. I just couldn't stomach the hassle of dealing with getting loc...
by Big Worm
Thu Feb 18, 2021 6:03 pm
Forum: Personal Investments
Topic: Late start and digging myself out of a hole, appreciate input
Replies: 26
Views: 3410

Re: Late start and digging myself out of a hole, appreciate input

KidneyMD wrote: Fri Feb 05, 2021 4:58 pmI'm a pediatric, not adult nephrologist. Womp womp.
Medicine reimbursement is just so peverted sometimes. You went through a ton of training and are in a very cerebral specialty unfortunately your pay is not commensurate with this. Good job security I would imagine though.
by Big Worm
Tue Dec 01, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: YouTube TV just dropped Tennis Channel...
Replies: 50
Views: 4074

Re: YouTube TV just dropped Tennis Channel...

Thanks. Honestly I don’t know what has happened to the sport of Tennis over the years. Conners, McEnroe, Agassi, Chan, Borg, Williams sisters, and so many more. Now I am not sure of any pros. All the yelping and grunting and (whatever else you call that guttural garbage) turned me off. Watching wit...
by Big Worm
Tue Dec 01, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: YouTube TV just dropped Tennis Channel...
Replies: 50
Views: 4074

Re: YouTube TV just dropped Tennis Channel...

Thanks. Honestly I don’t know what has happened to the sport of Tennis over the years. Conners, McEnroe, Agassi, Chan, Borg, Williams sisters, and so many more. Now I am not sure of any pros. Many many tennis courts around us in parks and even the schools are gone. Replaced by other sports and beli...
by Big Worm
Mon Nov 23, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Bill
Replies: 83
Views: 6160

Re: Unexpected Medical Bill

If the anesthesiologist is an independent contractor or working at the surgicenter or hospital as part of a contracted group that has contracted with the hospital or surgicenter to provide anesthesia services, then anesthesia contracts with insurers will be separate from the contract with the hospi...
by Big Worm
Wed Sep 30, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Buying an elliptical machine - please recommend
Replies: 15
Views: 1336

Re: Buying an elliptical machine - please recommend

squirm wrote: Tue Sep 29, 2020 11:36 pm
Big Worm wrote: Tue Sep 29, 2020 8:48 pm Precor, no doubt.
Agree, and this is from someone who has used ellipticals for decades.
Same here.
by Big Worm
Wed Sep 23, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16374

Re: Physicians: Should I leave my job?

You would get better and more focused opinions posting at the White Coat Investor forum instead of the peanut gallery here chiming in to tell you that you are overpaid and ungrateful, etc. That being said, I agree that your interpretation of the wRVU scam is incorrect. You are not going to get imme...
by Big Worm
Wed Sep 23, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16374

Re: Physicians: Should I leave my job?

S4C5 wrote: Wed Sep 23, 2020 11:20 amthey aren't motivating me to produce by just paying me a flat salary.
And therein lies the problem of being an "just" an employee and the corporatization of medicine.
by Big Worm
Wed Sep 23, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16374

Re: Physicians: Should I leave my job?

But I also don't have a lot of sympathy for their complaints about compensation and dealing with insurance companies, because it's not at all out of line with what they signed up for. Not true for a lot of us. Many of us had no idea what specialty we would go into at the start of med school and com...
by Big Worm
Wed Sep 23, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16374

Re: Physicians: Should I leave my job?

OP needs therapy, not financial advice. If you're unhappy at 650k, and feel taken advantage of, then money is not your problem and the Bogleheads forum can't solve it. Kind of rough. OP is in BFE, single and unhappy. It's tough to go through all the school and training and then see someone else rea...
by Big Worm
Wed Sep 23, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16374

Re: Physicians: Should I leave my job?

I agree that you need to understand the economics better. The hospital might be "billing you out" at $12M but the amount they actually *receive* from third party insurers is typically a small fraction of what they bill. Typical bills have unrealistically high and inflated "sticker pr...
by Big Worm
Tue Sep 22, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dental practice billing
Replies: 37
Views: 3201

Re: Dental practice billing

You are being scammed.
by Big Worm
Fri Sep 11, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3688

Re: Neccesities for a Man Cave

runner3081 wrote: Fri Sep 11, 2020 4:32 pm Urinal
Nacho Cheese Dispenser
Winning.
by Big Worm
Tue Aug 25, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: looking to buy an ipad
Replies: 62
Views: 3863

Re: looking to buy an ipad

Verizon throttles me at 15 gb.

I have a hotspot and it is horrendous!
by Big Worm
Sat Aug 15, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chapter 7 Bankruptcy
Replies: 11
Views: 660

Re: Understanding Chapter 7 Bankruptcy

I know of one case where an individual declared bankruptcy five times! And now this individual lives in a beautiful, fully staffed historic mansion, has all his meals prepared for him, gets chauffeured wherever he wants, and flies exclusively in a dedicated, specially equipped 747. And he never has...
by Big Worm
Thu Jul 30, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 13047

Re: Middle of Nowhere Retirement

Virginia Tech is 45 minutes away and has a medical school Va Tech hospital is in Roanoke, not Blacksburg. I was referring to Virginia Tech the school and its med school being in Blacksburg. ... Blacksburg is a “big college town” that is 45 minutes away that is a research university and has a medica...
by Big Worm
Wed Jul 29, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 13047

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). Va Tech hospital is in Ro...
by Big Worm
Tue Jul 28, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 13047

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). Va Tech hospital is in Ro...
by Big Worm
Fri Jul 03, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10496

Re: Share your budget

I make money.

My wife spends it.
by Big Worm
Wed Jul 01, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 3167

Re: SUV, 2 row, 40k USD

What would you get? i liked the honda passport - but they say that the honda sensing is way off, and causes emergency braking on 2 lane roads with oncoming cars Highlander is very nice 2020 version - but oh so boring - Used cayenne for 45k 2017-8 CPO, is an option, but hard to get all the safety te...
by Big Worm
Mon Jun 29, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7889

Re: I'm Buying a Boat...

fatmike91 wrote: Mon Jun 29, 2020 7:25 am$24K for a 12 year old boat that is only 21' long??? Oh boy. That feels really expensive to me. Like crazy money.

I just sold my 23' Sea Ray for less than half that (and it was well equipped and well maintained).
What kind of Sea Ray was it? Sounds like whoever bought it got a steal!
by Big Worm
Sun Jun 28, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7889

Re: I'm Buying a Boat...

I have a 2003 Sea Ray bowrider that I have owned for the last 5 years. Great "starter" boat. Only maintenance is paying a guy to winterize it. I could probably do it myself but I just don't feel like fussing with it.
by Big Worm
Wed Jun 10, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: how much to tip painters
Replies: 66
Views: 5507

Re: how much to tip painters

Usually said by folks in their high paid white collar jobs who either never had, or don’t remember, what it was like to work a hard physical job for low pay. Every single one of my friends do trade work that's hard physically and they all make significantly more than me...even with a 6 figure white...
by Big Worm
Wed May 20, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: Care for outdoor patio set?
Replies: 10
Views: 705

Re: Care for outdoor patio set?

If you buy something of quality, there is no care. It will hold up. We also store ours inside during the winter due to snow. ??? Even if you have the best outside furniture in the world, cushions will go bad if you just leave them out. Pollen comes down so heavy in the spring that it might as well ...
by Big Worm
Tue May 19, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 6094

Re: Thinking of buying a boat during pandemic – am I CRAZY?

For gods sakes man get the boat! No offense but your post is trollish. Of course you can afford it. I would get a tricked out 24 foot Malibu if I were in your shoes!
by Big Worm
Fri May 01, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 4127

Re: PPP Loan ethics

Is the $15k salary per year? If so, you should already have an ethical issue. What is unethical about this? It's not unethical, it's illegal. IRS guidelines state that you have to pay yourself a reasonable salary. Which is why it's 15k monthly and not annually, which according to my accountant is r...
by Big Worm
Thu Apr 30, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 4127

Re: PPP Loan ethics

simplesimon wrote: Thu Apr 30, 2020 7:54 am
HoosierJim wrote: Thu Apr 30, 2020 5:11 am Is the $15k salary per year? If so, you should already have an ethical issue.
What is unethical about this?
It's not unethical, it's illegal. IRS guidelines state that you have to pay yourself a reasonable salary.
by Big Worm
Wed Apr 22, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6128

Re: Advice - Anesthesiologist threatening collections

If the group is a small private practice they may not really have any full-time employees except themselves. Ha! What physician do you know that is doing their own accounting and sending their own bills out? It is true they may have no other full-time employees, but so what? They surely are contrac...
by Big Worm
Tue Apr 21, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6128

Re: Advice - Anesthesiologist threatening collections

If the group is a small private practice they may not really have any full-time employees except themselves. Ha! What physician do you know that is doing their own accounting and sending their own bills out? It is true they may have no other full-time employees, but so what? They surely are contrac...
by Big Worm
Mon Apr 20, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6128

Re: Advice - Anesthesiologist threatening collections

It does seem silly, but put yourself in their shoes: They* have no income and need to lay-off / furlough all their staff. They need to pay office rent and other bills. *They means the accountants, the bookkeepers, nurses, techs, office staff, and everyone up to the top. The anesthesiologist may not...
by Big Worm
Thu Apr 09, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58307

Re: How to get Toilet Paper ? seriously.

Sam's club right before closing.
by Big Worm
Tue Mar 24, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Support for Teens/College Kids Who've Had Hours Cut
Replies: 28
Views: 1955

Re: Support for Teens/College Kids Who've Had Hours Cut

Brianmcg321 wrote: Tue Mar 24, 2020 5:18 pm For college kids, I would send them each $50 a week. That would give them plenty of spending money.
For a night at the bar!
by Big Worm
Sun Feb 02, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63330

Re: Books that changed your life

Ferrol Sams. When All the World Was Young.
by Big Worm
Wed Jan 22, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job - longish post
Replies: 29
Views: 1784

Re: Potential new job - longish post

Triple digit golfer wrote: Wed Jan 22, 2020 1:59 pm-No office. Not even a cubicle. Open concept in a strip mall type setting. 15 people sit on laptops in a tight space with zero privacy. One shared bathroom with one toilet in the warehouse.
Dealbreaker. No way!!!
by Big Worm
Wed Jan 22, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 3635

Re: Costco Optometrist vs Independent Office Eye dr

Just go to the guy at Costco.

If you are pretty healthy then an optometrist is fine.

Although after he dilated my eye s I went shopping in Costco and walked around looking like I was on drugs!
by Big Worm
Sat Jan 18, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 1040

Re: Medical Billing, out of network service

Could be anesthesiology, radiology, pathology. Could also be something really sneaky like surgeons "assistant" or some other nonsense.

Stinks when patients have to deal with this after they are assured that everything is "in network".

Not uncommon these days.
by Big Worm
Sat Jan 18, 2020 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Life advice for recent graduate
Replies: 67
Views: 5399

Re: Life advice for recent graduate

In all seriousness, be nice.
by Big Worm
Fri Jan 17, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Life advice for recent graduate
Replies: 67
Views: 5399

Re: Life advice for recent graduate

Buy low and sell high.
by Big Worm
Fri Jan 17, 2020 10:33 am
Forum: Personal Investments
Topic: HSA - Spend or Save?
Replies: 16
Views: 1004

Re: HSA - Spend or Save?

For a few years I would just charge medical expenses using the HSA card. This year I finally wised up and am paying OOP for medical expenses and invested the funds in Vanguard rather than a money market. I am maxing out everything else and I decided the triple benefit was too good to pass up!
by Big Worm
Fri Jan 17, 2020 9:32 am
Forum: Personal Investments
Topic: Interesting Potential Annuity Option
Replies: 10
Views: 898

Re: Interesting Potential Annuity Option

5 million dollar fee! You are a baller and a shot caller. Take the fee and the tax hit. Invest it wisely. Annuity sounds good but insurance companies exist to make money off of you and eventually you will get annoyed that they are taking your money. ps I have money tied up with insurance company/ret...
by Big Worm
Fri Jan 10, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 5083

Re: Medical Billing, is this typical?

None of this stuff was even remotely necessary, except maybe the bloodwork.

The quickest way to get the docs attention is let him know you are filing a complaint with the state medical board.

I don't know how NY is but in my state an investigator will crawl where the sun doesn't shine very quickly.
by Big Worm
Sun Jan 05, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Live in Miami. Should I join a boat club?
Replies: 29
Views: 2957

Re: Live in Miami. Should I join a boat club?

livesoft wrote: Sun Jan 05, 2020 10:18 amIt is best to use other people's boats.
I would consider anyone who asked to use my boat a freeloader and I would say no.
by Big Worm
Sun Jan 05, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5711

Re: Jumper cables

Get the one with the battery pack. Don't need another car to jump off.
by Big Worm
Sun Nov 10, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 4044

Re: Tale of 2 doctor job opportunities

Private practice. Avoid being an employee as long as you can.
by Big Worm
Wed Oct 23, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13982

Re: Ok to go without health insurance?

Back ground: Physician couple, self employed, family of 4, 2 adults( 46, 43) 2 kids ( 9,15), S corp. This year health insurance premium increase is almost 15%. Will cost ~16K with family deductible of 12 K to stay in PPO network. Cheapest Option ~ 13K with family deductible of 13.5K for restricted ...
by Big Worm
Tue Oct 22, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13982

Re: Ok to go without health insurance?

Back ground: Physician couple, self employed, family of 4, 2 adults( 46, 43) 2 kids ( 9,15), S corp. This year health insurance premium increase is almost 15%. Will cost ~16K with family deductible of 12 K to stay in PPO network. Cheapest Option ~ 13K with family deductible of 13.5K for restricted ...