Search found 171 matches

by Big Worm
Wed Jan 22, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job - longish post
Replies: 29
Views: 1537

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: 2659

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: 17
Views: 701

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: 4319

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: 4319

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: 643

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: 793

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: 4614

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: 2666

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

livesoft wrote:
Sun Jan 05, 2020 10:18 am
It 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: 5148

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: 3834

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: 12937

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: 12937

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
Fri Oct 18, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5830

Re: Should I take the job in OKC or Orlando?

Streptococcus wrote:
Thu Oct 17, 2019 8:29 am
I was offered a position in a private practice where I probably won't become a partner. And this is the significant negative.
This is a deal-breaker. There is no substitute for being an owner of a practice. Millenials may be OK with being an employee, but I am not.
by Big Worm
Fri Oct 18, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 8509

Re: When is private (elementary) school worth it?

The homeschooled kids I have contact with are not as well adjusted socially as the kids who go to school :| .
by Big Worm
Wed Sep 18, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4562

Re: Best Leaf Blower?

I keep an electric blower in my golf cart. I use it to blow the leaves out of my line before I putt (Oct-Dec). Otherwise they aren't much good for anything other than a toy for a small child to "help Dad in the yard". If you have work that needs done, gasoline is the answer. I have an electric blow...
by Big Worm
Mon Sep 16, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4562

Re: Best Leaf Blower?

Husqvarna backpack blower, no question.
by Big Worm
Wed Aug 07, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: wifi router, too many options!
Replies: 41
Views: 3134

Re: wifi router, too many options!

amplifi mesh and don't think twice
by Big Worm
Wed Apr 24, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4504

Re: Wifi extenders vs Mesh network

Mesh all the way.

I got amplifi and it is amazing.
by Big Worm
Fri Apr 12, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a rental house for ex-wife
Replies: 29
Views: 2874

Re: Purchasing a rental house for ex-wife

8foot7 wrote:
Thu Apr 11, 2019 6:21 pm
being two minutes from her on a golf cart would be like being two minutes from the event horizon of a black hole. All sanity bends toward the speed of light, forever surrounding us but forever unreachable as we twist and contort into sheer nothingness.
Whoa.
by Big Worm
Fri Mar 22, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 40
Views: 2759

Re: WiFi Extender

Amplifi mesh router and 3 nodes gives incredible coverage in my house.

Had linksys and other extenders before. Will never go back.
by Big Worm
Fri Nov 30, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 2216

Re: United HealthCare

Widely known as one of the worst in the industry. Business model depends mostly on denying claims and lowballing everyone. A google search will yield plenty of results.
by Big Worm
Fri Oct 12, 2018 8:36 am
Forum: Personal Investments
Topic: Trust fund help
Replies: 9
Views: 1472

Re: Trust fund help

Wondering if anyone has some thoughts on this. I am about to pull the trigger. Thanks.
by Big Worm
Thu Oct 11, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 8024

Re: My life saved by New subaru. Almost died.

I don't get it either :-(
by Big Worm
Sun Oct 07, 2018 12:37 pm
Forum: Personal Investments
Topic: Trust fund help
Replies: 9
Views: 1472

Re: Trust fund help

Update: Thought about moving the trust fund assets to a local financial planner type guy but just couldn't stomach the thought of all those fees. Rolled everything over to Vanguard without too much problem. Sold the individual stocks. Kept everything else so now the portfolio is as follows: VOO VANG...
by Big Worm
Mon May 07, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 28459

Re: most compelling TV character ever

Eric Cartman.
by Big Worm
Tue Jul 11, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 24134

Re: Costco vs. other wholesale clubs

engineer1969 wrote:
Big Worm wrote:
thebogledude wrote:I like that Costco has no coupons, this tells me that their prices are close to what they pay.
I get coupons in the mail from Costco every month.

I am a member of Sam's, BJ's and Costco. I like Costco the best.
No coupon required at the register.
So why do they send them out?
by Big Worm
Tue Jul 11, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 24134

Re: Costco vs. other wholesale clubs

thebogledude wrote:I like that Costco has no coupons, this tells me that their prices are close to what they pay.
I get coupons in the mail from Costco every month.

I am a member of Sam's, BJ's and Costco. I like Costco the best.
by Big Worm
Sun Apr 02, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 6740

Re: What to see in Philly?

Forget all the touristy cheesesteak places.

Dalessandro's in Roxborough is the best by far!

Although Chubby's is pretty good and is right across the street and has fries.
by Big Worm
Sun Apr 02, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2841

Re: Second car for larger family - ideas/suggestions?

I think the station wagon is an underrated vehicle for toting, and could provide your brood lots of good memories down the road. Either that, or no one will want to ride with you, and your problem is solved. I think it's possible to fit around 13 people in this one, but the configuration of the bac...
by Big Worm
Sat Mar 25, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Question for Docs/Surgeons/ARNPs
Replies: 23
Views: 3799

Re: Question for Docs/Surgeons/ARNPs

spammagnet wrote:
Big Worm wrote:Sadly, it's not the doctor's lounge anymore. It's the "provider's lounge" which is just one more reason that healthcare and being a physician is in the crapper compared to what it used to be.
Gotta eat with the riff-raff?
I always get mine to go.
by Big Worm
Wed Mar 15, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Question for Docs/Surgeons/ARNPs
Replies: 23
Views: 3799

Re: Question for Docs/Surgeons/ARNPs

Litfury wrote:I oftentimes eat lunch with them in the "doctor's lounge" at our hospital as well.
Sadly, it's not the doctor's lounge anymore. It's the "provider's lounge" which is just one more reason that healthcare and being a physician is in the crapper compared to what it used to be.
by Big Worm
Wed Feb 22, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9997

Re: 1.3 million dollars in debt

I still want to know what exactly the "massive" tax writeoff entails and who gave the advice that it should be a writeoff to begin with.
by Big Worm
Mon Feb 20, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9997

Re: 1.3 million dollars in debt

Hey everyone, I've been a lurker for a couple of months and finally worked up enough courage to post my pretty ridiculous situation. Any tips would be greatly appreciated. I'm 28 years old and graduated school in May of 2015 with 380K in debt. I'm fortunate enough to have landed a pretty good assoc...
by Big Worm
Sun Feb 19, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9997

Re: 1.3 million dollars in debt

[/quote] Its a medical practice. Most of which is supplies, depreciation, and goodwill.[/quote]

What kind of medical practice?

Is A/R used in calculating your buy-in?

Are you writing the buy-in off on the advice of an accountant?
by Big Worm
Sat Feb 18, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9997

Re: 1.3 million dollars in debt

Slayer37 wrote:I have some massive tax writeoffs in 2017 due to the buy-in and I'm unsure where I should put the extra money as I know it's for this year ONLY.
How is your buy-in calculated and what exactly are you writing off?
by Big Worm
Wed Feb 15, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 6916

Re: Retire in my 30s?!

What is the business?
by Big Worm
Tue Feb 14, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Physician contract restrictive covenant
Replies: 23
Views: 2473

Re: Physician contract restrictive covenant

DW has a contract for a specialty with a group and the restrictive covenant states a non-compete in all surrounding county areas for 2 years post separation with a double 6 figure payoff. We feel this is excessive given DW will only be working out of one site in one county. Pushed back requesting r...
by Big Worm
Mon Feb 06, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: low cost one person DB plan
Replies: 35
Views: 5233

Re: low cost one person DB plan

My assumption was that nobody really takes the annuity when they retire. Instead, they just roll over the lump sum into an IRA.
by Big Worm
Sun Feb 05, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Full time physician as S-Corp PLUS physician moonlighting
Replies: 32
Views: 4008

Re: Full time physician as S-Corp PLUS physician moonlighting

$270K as salary and the rest as K1 will fly through an IRS audit if there ever is one :wink:
by Big Worm
Sat Feb 04, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Full time physician as S-Corp PLUS physician moonlighting
Replies: 32
Views: 4008

Re: Full time physician as S-Corp PLUS physician moonlighting

It just wouldn't make any logical sense for someone to have $750,000 in gross proceeds, as an individual, and then have a salary of $265,000. "Reasonable" can vary a great deal. Disagree 100%. There are plenty of jobs out there that advertise for a salary of this amount. The $265,000 figure is like...
by Big Worm
Sat Feb 04, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Full time physician as S-Corp PLUS physician moonlighting
Replies: 32
Views: 4008

Re: Full time physician as S-Corp PLUS physician moonlighting

Why are you working full time for a place and not a partner there? The group that I work for does not offer partnership tracks. It is unfortunate that there are groups out there that take advantage of others. If you are working full-time, then you deserve the courtesy of being able to share in the ...
by Big Worm
Tue Jan 31, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Full time physician as S-Corp PLUS physician moonlighting
Replies: 32
Views: 4008

Re: Full time physician as S-Corp PLUS physician moonlighting

Hello, I am a physician, and I contract out with an anesthesia group to provide full-time anesthesia services. In return, that group pays my S-corp (PA, professional association) a lump sum for my contracted services. I take a little over half of that sum as salary and the rest as distribution/K-1 ...
by Big Worm
Mon Jan 30, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 8570

Re: Please tell me if I can afford this Porsche

No offense, but do you really need someone else to tell you that you can afford a Porsche when you have a million dollars a year coming in? Leaving aside questions of extreme frugality. . . Ever since I was a boy, I've wanted a Porsche. Now I can afford one with relative ease. Background: -- 30 year...
by Big Worm
Sat Dec 10, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 529
Views: 137536

Re: My New Car Buying Tips

I used Costco. Easy-peasy. I couldn't stomach dealing with all that haggling and the time and effort it takes. I was very disappointed in Costco. I signed up but only got a call from the local dealers I had already contacted without much luck. They all wanted me to come in and negotiate. I put in a...
by Big Worm
Fri Dec 09, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 529
Views: 137536

Re: My New Car Buying Tips

I used Costco. Easy-peasy. I couldn't stomach dealing with all that haggling and the time and effort it takes.
by Big Worm
Thu Aug 11, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: VW TDI Buyback - Now or in Two Years?
Replies: 2
Views: 489

Re: VW TDI Buyback - Now or in Two Years?

selling, no question.