Search found 1157 matches

by gasdoc
Tue Sep 19, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3098

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

As a doctor I disagree that good physicians are at city hospitals. I think for sure better facilities and greater acuity is at larger sites. But physician quality depends on the services-outpatient or ambulatory care vs surgical/ trauma. Many enterprising docs from prestigious locations choose smal...
by gasdoc
Tue Sep 19, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 30
Views: 1980

Re: Memory Foam Mattress Recomendations

Per Consumer Reports:

Highest rated mattress under $1000 from a store: Denver Mattress, Doctor's Choice mattress, $500

Highest rated mattress under $1000 from online source: Casper, The Casper mattress, $950

gasdoc
by gasdoc
Tue Sep 19, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 761

Re: Short term disability insurance

I would, if at all possible, self insure for STDI. GASDOC Let's say I offer $1 million payout for $1 a year - would you take it? My point is that, at least intuitively, there seems to be some threshold ratio of total benefit to annual cost, above which it would seem reasonable to pay for STDI. OP's...
by gasdoc
Mon Sep 18, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 761

Re: Short term disability insurance

I would, if at all possible, self insure for STDI.

GASDOC
by gasdoc
Mon Sep 18, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2415

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc crap now I wish my dad was a doc :D I have letters after my name and don't get 500/mos in general spending money. I bet your daughter is popular Actually, during her senior year in high school we made a deal with her that she coul...
by gasdoc
Sun Sep 17, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2415

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc Out of interest, are you monitoring what she is doing with that money? If she lives on campus with a meal plan, no car, that's a lot of $$ in discretionary spending, IMHO. Not saying it is wrong in your case, but wonder what the r...
by gasdoc
Sun Sep 17, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6578

Re: Physiological effects of Early Retirement in peak earning years.

it is hard to imagine just tuning off the lights on my career one day as a physician. After spending most of life studying to become one and working, it is terrifying to just let it go. With my career being so time consuming, I haven't developed as many friends and hobbies as I would like. I feel l...
by gasdoc
Sun Sep 17, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2415

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc Out of interest, are you monitoring what she is doing with that money? If she lives on campus with a meal plan, no car, that's a lot of $$ in discretionary spending, IMHO. Not saying it is wrong in your case, but wonder what the r...
by gasdoc
Sun Sep 17, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2415

Re: Pocket money allowance for college student

Maybe it would help to be more explicit about what this money might be needed for. I imagine students need to occasionally buy clothing, odds and ends for the dorm room, going out for a burger, pizza, and beer from time to time (Does your allowance intend to finance keggers six weekends a year?), b...
by gasdoc
Sun Sep 17, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 15541

Re: Do you have an umbrella policy?

Do plaintiff attorneys know how much of an umbrella you have in a malpractice case?

gasdoc
by gasdoc
Sun Sep 17, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6578

Re: Physiological effects of Early Retirement in peak earning years.

I see this psychological effect on a lot of my relatives. One brother who's a doctor has said he would retire at age 60, but now he is going to retire at 65. The other brother said he would retire at age 62 is now going to retire at age 65. My sister said she would retire at age 63 but now her new ...
by gasdoc
Sun Sep 17, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2415

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month.

gasdoc
by gasdoc
Sun Sep 17, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6578

Re: Physiological effects of Early Retirement in peak earning years.

... it is hard to imagine just tuning off the lights on my career one day as a physician. ... Any one have an opinion on this, particularly physicians? I'm not a physician but who says you have to "turn out the lights"? I do work in healthcare so I know that part-time opportunities exist at whateve...
by gasdoc
Sun Sep 17, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6578

Re: Physiological effects of Early Retirement in peak earning years.

it is hard to imagine just tuning off the lights on my career one day as a physician. After spending most of life studying to become one and working, it is terrifying to just let it go. With my career being so time consuming, I haven't developed as many friends and hobbies as I would like. I feel l...
by gasdoc
Sun Sep 17, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 22
Views: 1469

Re: point and shoot digital cameras

More information is needed. P&S cameras are becoming rare as phone have increased their photo capability so much - but only if you have a fairly sophisticated phone. I like my underwater Canon point & Shoot. I use it when I am boating or snorkeling or taking casual photo's in wet or otherwise unhea...
by gasdoc
Sun Sep 17, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 4786

Re: PayPal - Any Disadvantages?

Just had someone hack into my PayPal account, and order a $200 gift card from Toys-R-Us, via my linked Chase credit card. Chase has said they will reimburse the $200. I have not yet heard from PayPal, but I would think it would be on them rather than Chase. The worst thing for me is having to chang...
by gasdoc
Tue Sep 12, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3229

Re: Flood Insurance when not in flood plain?

During the recent hurricane, the golf courses flooded, coming just short of golf-side homes, like ours. Developers often designate golf courses as places for water run-off and drainage. In essence, often they are meant to take water and hold it for a little while and drain away over a few days. If ...
by gasdoc
Mon Sep 11, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12334

Re: Florida Hurricanes: When and where to go?

Our place in The Villages only had a few trees down and flooded golf courses. Thankfully.

Gasdoc
by gasdoc
Mon Sep 11, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3229

Re: Flood Insurance when not in flood plain?

We own a house in The Villages, FL. We are approx 100 feet above sea level. During the recent hurricane, the golf courses flooded, coming just short of golf-side homes, like ours. None of us have flood insurance, though we have hurricane insurance. We were lucky. It is possible to have local floodin...
by gasdoc
Fri Sep 08, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 1988

Re: Scanning Documents for Long Term Storage

Scanned files in three places:
1. Computer hard drive
2. External hard drive
3. "The cloud"

I merely scan it one time, and the data is stored in all three places.

gasdoc
by gasdoc
Thu Sep 07, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8300

Re: Protecting moms assets from nursing home expenses

I also believe this crosses the line, and should not be encouraged. The purpose of Medicaid (and ACA subsidies, for that matter), is to provide a safety net for those that are at or near the poverty level. I can't get past the ethics in this... If Mom has the money to pay for at least a part of her ...
by gasdoc
Mon Sep 04, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 59385

Re: Experience selling car to Carmax?

In 2010 we sold a 2005 Volvo XC-70. Carmax offered us $9k, the Volvo dealer $14K. Not sure you are comparing apples to apples when you sell to a regular dealer and you are buying a new car from them. We all know they move money around. You may have overpaid for the new car as a result of getting a ...
by gasdoc
Mon Sep 04, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Renting during residency
Replies: 12
Views: 1258

Re: Renting during residency

I rented the upstairs flat of a house that had an elderly retired lady downstairs. She appreciated the occasional company and I appreciated a quiet place with some room to stretch out. It worked out surprisingly well.

gasdoc
by gasdoc
Sun Sep 03, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 51
Views: 3741

Re: Dad as Investment Advisor for Kids

This response is a little late, but I think the ten page document may have been at least a part of the problem. Our 19 y/o DD came home from school last year, her last year of high school, concerned when she overheard one of her classmates bragging about his 401K and she didn't even know what a 401K...
by gasdoc
Thu Aug 31, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1198

Re: Which free software for new (late 2015) iMac

I have used MAC for many years, and have never used anti-viral software. I also only download software from the app store. They have lots to choose from.

gasdoc
by gasdoc
Thu Aug 31, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 33
Views: 2226

Re: How to deal with Amazon purchases with Mint.com??

All of my Amazon purchases go under the category, "household." Yes, it is arbitrary, a catch-all. I occasionally will get more detailed on a very large purchase that is for something other than "household."

gasdoc
by gasdoc
Thu Aug 31, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1346

Re: iPhone tempered glass...$6 vs $50?

I bought the Verizon version of the glass screen protector on a friend's recommendation, and surprisingly, did find that it worked better (easier to work on the screen) then anything I have ever purchased on my own from Amazon. I bought "The Defender" from Amazon and removed the screen protector tha...
by gasdoc
Thu Aug 31, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 61
Views: 6101

Re: How many "investment" accounts do you have?

RSLusc07 wrote:
Wed Aug 30, 2017 3:40 pm
58 different accounts for my parents, I just started helping them streamline it down.
Really? They were able to manage this????

gasdoc
by gasdoc
Thu Aug 31, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Quicken for Mac - Admiral Shares
Replies: 9
Views: 924

Re: Quicken for Mac - Admiral Shares

sorry, abuse368,
I use Quicken for MAC, but I really don't use much of its functionality, like I did when I was a Windows user. I pretty much only use it as a fancy checkbook, with the ability to track expenses and savings percent.

gasdoc
by gasdoc
Tue Aug 29, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: "Paid-up" whole life policy: keep or cash it in?
Replies: 7
Views: 1064

Re: "Paid-up" whole life policy: keep or cash it in?

Many years ago, when my first child was born, I bought a standard whole life insurance policy. The policy has long been "paid-up," such that its yearly dividend is more than its yearly premium. The excess dividend is used to buy more paid-up insurance and to increase the cash value of the policy. T...
by gasdoc
Tue Aug 29, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor or Pay Down Loans?
Replies: 20
Views: 1283

Re: Mega Backdoor or Pay Down Loans?

Considering there aren't large financial ramifications between your various options (aka they are all good), consider doing the following: first earn your freedom (option 1), then earn your retirement (max mega backdoor). +1. There is a lot more flexibility once you don't have those mandatory payme...
by gasdoc
Sat Aug 26, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 167
Views: 15743

Re: What should the savings be for an average professional

If anyone reading this needs a little pick-me-up. http://wealthometer.org/US/calculator2.html#ergebnis1 http://www.stackmeup.com/net-worth/average-net-worth.php http://www.globalrichlist.com/wealth I am the 3,389,513th richest person on earth. Kind of humbling. gasdoc I guess this makes your net wo...
by gasdoc
Sat Aug 26, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 167
Views: 15743

Re: What should the savings be for an average professional

I am the 3,389,513th richest person on earth. Kind of humbling.

gasdoc
by gasdoc
Thu Aug 24, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5601

Re: I did it and feel great about it (paid off mortgage)

I have been on the emotional seesaw for years about paying off the mortgage. Simple math tells all of us that it it best to keep a mortgage and invest. The emotional side of that equation tells us (me, at least) that being mortgage free is something that I really needed to experience. So I did it. ...
by gasdoc
Thu Aug 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: When have you achieved financial independence?
Replies: 27
Views: 4216

Re: When have you achieved financial independence?

We have just one kid- now age 19. I blame lifestyle creep on DD. As she got older, besides spending more money on education, sports, etc., she also started to influence our choice of vacations, cars, etc. A teenage girl can be very persuasive! Anyway, I know that's a copout, but there is some truth ...
by gasdoc
Thu Aug 24, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5601

Re: I did it and feel great about it (paid off mortgage)

Nice work!!!! Now what will you say when your colleagues talk about their mortgage payment? Nothing, of course.

gasdoc
by gasdoc
Thu Aug 24, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 167
Views: 15743

Re: What should the savings be for an average professional

It just dawned on me that one reason engineers do so well in retirement planning (wealth accumulation) is that their salaries start low, and progress relatively rapidly. Does that allow them to follow the advice of starting their lifestyle on the lower side, and increasing their savings rate as thei...
by gasdoc
Thu Aug 24, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4742

Re: Eclipse Traffic: predictions vs reality?

We traveled into mountains. 2.5 hours in, 5 hours to return home. I wouldn't recommend attending a mountain location for that reason.

gasdoc
by gasdoc
Tue Aug 22, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 3090

Re: Seal off rooms that are not used?

Thanks for the comments, everyone. This room probably makes up 10% of the total volume of the house. I don't know what kind of HVac system we have (variable or not). The room has its own return air ducts. (I think that answers all of the questions!) I was thinking about just reducing the airflow, bu...
by gasdoc
Tue Aug 22, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 5462

Re: Eclipse viewing

Did the same- in Murphy, NC.

gasdoc
by gasdoc
Sun Aug 20, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 3090

Re: Seal off rooms that are not used?

Mudpuppy and runner,
Thanks. Would having the HVAC guys come to the house help? I live in a "not so large" town, and am not sure there is a lot of high tech knowledge here, but I guess I can give it a try. They will be doing the pre-heating system checks in a month or two anyway.

gasdoc
by gasdoc
Sun Aug 20, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 3090

Re: Seal off rooms that are not used?

I found this article that seems to recommend against closing them: "Is It OK to Close Air Conditioner Vents in Unused Rooms?" http://www.greenbuildingadvisor.com/blogs/dept/building-science/it-ok-close-air-conditioner-vents-unused-rooms I'm surprised though, it's not intuitive. Thanks. I had read t...
by gasdoc
Sun Aug 20, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 3090

Seal off rooms that are not used?

Is it a good idea to seal off rooms that are not used much? DD just headed off to college, and she has a large bedroom, which is no longer used. On the internet, opinions vary. Some say do it to save money. Others say don't do it- that it can damage your HVAC system or cause increased pressure in th...
by gasdoc
Fri Aug 18, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9374

Re: When does renting make sense

According to Ken Rockwell: After selling my condo of 17 years, sure, I sold it at the top of California's recent real estate bubble for four times what I paid. But wait: unlike a financial investment, I had to pay mortgage interest, taxes, utilities, repairs, homeowner associations and loads of oth...
by gasdoc
Tue Aug 15, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 5996

Re: Where to buy glasses for eclipse viewing ?

Just got mine today from the only seller I could find on Amazon (an "alternate seller, I believe they called it. There was no email from Amazon saying the company was fraudulent. Everything is pitch black when I look through the glasses, at least in the house. All of the big box stores in may town a...
by gasdoc
Tue Aug 15, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5826

Re: Plan for making child pay for part of college

I think this whole thread would be more useful if there were more data, and less anecdotes and generalities. We worked closely with our DD during her high school years, helping her to narrow down her college choices to a short list. We made it clear to her that the list had to be acceptable to all o...
by gasdoc
Tue Aug 15, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2480

Re: ipad or tablet for hospital?

I spend a lot of time in the hospital. I would purchase whatever gadget I would prefer at home (except not a desktop) to use in the hospital. Since most hospitals are going to electronic medical records, they have to have good wifi or the docs and nurses couldn't get their work done efficiently. Our...
by gasdoc
Tue Aug 15, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5826

Re: Plan for making child pay for part of college

We didn't want to encourage our DD to work too much during school. She is interested in premed, which is academically very challenging. In addition, she has many hours of volunteering, research, and physician shadowing that is required. We decided to pay for all of her expenses at a private 4 year s...
by gasdoc
Mon Aug 14, 2017 5:25 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 822

Re: Paint vs. Stain on fiberglass door

I have stained a fiberglass door, and it looked great.

gasdoc
by gasdoc
Sun Aug 13, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 4786

Re: PayPal - Any Disadvantages?

I just updated my paypal account to make it more secure. I activated the following: "Set up a PayPal Security Key by entering a one-time pin that’s unique for each login. This gives you a second authentication factor whenever you log in to your account. That’s fancy talk for a super secure account!...