Search found 1249 matches

by gasdoc
Tue Dec 12, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 981

Re: HDHP with HSA vs PPO breakeven point

Many of us here on Bogleheads use our HSA's as an investment vehicle. Money goes in tax free, grows tax free, and is taken out tax free many years later when it is used for medical expenses. No other investment vehicle has these advantages. To make this work, you must have the financial resources to...
by gasdoc
Mon Dec 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2066

Re: December 22 - Jan 1 vacation

A very challenging problem. We have often travelled to cold places over Christmas break. Most of our travels to Canada have been during this time period. Expect plenty of snow and cold, but no crowds. Since we live in the southeast, we don't feel the need to travel to a warm place in the winter. Als...
by gasdoc
Sun Dec 10, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10556

Re: Do people still use AAA?

We use AAA for the hotel discounts, which are significant. It also keeps me from belonging to AARP (similar discounts) which I don't like because of their politics. We've used them for emergency tire blows and battery jumps (DD actually had them replace her battery one time).

gasdoc
by gasdoc
Wed Nov 29, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5477

Re: When to tell the SO about my financial situation?

Rule 1: The only reliable way to keep all your friends & relatives from knowing all about your financial situation is not to tell anybody about it. If you are married you have to tell your wife and hope she will get on board with Rule 1. IMO, very risky to tell your SO until you are married, or at ...
by gasdoc
Wed Nov 29, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1123

Re: Car Rental

Often, there is a price discount for a non-cancellable reservation. Do you smart Bogleheads ever pay for a non-cancellable reservation? gasdoc I would only do that if I were traveling to some extremely remote area with limited car rental stock. Some parts of Alaska might fit that description, but I...
by gasdoc
Wed Nov 29, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1123

Re: Car Rental

Often, there is a price discount for a non-cancellable reservation. Do you smart Bogleheads ever pay for a non-cancellable reservation?

gasdoc
by gasdoc
Wed Nov 29, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9501

Re: Any retired boglehead doctors out there?

I am a subspecialty surgeon and in my early 40’s. I work pretty hard, and takes a lot of call. Plan to retire at 55. I don’t want to work at the current pace for the next 10 years. But I will have a hard time finding a position that will let me work part time. I have never met a surgeon who worked ...
by gasdoc
Mon Nov 27, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9501

Re: Any retired boglehead doctors out there?

I am an anesthesiologist (shocked, I know). I would like to retire by age 62 (will be 57 soon), but found it beneficial in the meantime to increase my vacation time to 6 weeks per year and I have also started "selling" my weekend call to hungrier, younger partners. You know what- I'll be damned if I...
by gasdoc
Wed Nov 22, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4223

Re: Public or Montessori Private School

The Montessori school will nourish your child’s “I can do it” nature. As far as the competitive part, every child needs to be able to work with others. The part of Montessori that involves one child helping another is usually an older child teaching a younger child- good for both.

Gasdoc
by gasdoc
Wed Nov 22, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 1853

Re: Paying cash for medical care - best practice?

Why not just go to the doc you want to see, and just pay the “out of network” copay? That is the reason they make this option available. I agree that the negotiated fees are usually better than the “self pay discount.” It doesn’t hurt to check both once you receive the bill. In my experience, which ...
by gasdoc
Sun Nov 19, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment - Choosing HSA vs PPO - expecting baby
Replies: 21
Views: 1180

Re: Open enrollment - Choosing HSA vs PPO - expecting baby

I would choose the HSA if you don’t expect to need to use the money in the HSA. This would be the case if 1) you don’t expect any significant medical problems or 2) you can pay the expected medical expenses with other cash available. It’s a real advantage to be able to save/invest the HSA money. If ...
by gasdoc
Tue Nov 14, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3708

Re: Borrowing from parents - what interest rate?

Do you really want your parents to look at you funny every time you go on vacation or buy an expensive item for your home, wondering why you are spending money when you still owe them money? I wouldn't do the deal.

gasdoc
by gasdoc
Tue Nov 14, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 49
Views: 11006

Re: 35 yr-old doc needs some wisdom

House and Car are the big ticket items. As a single person, I wouldn't buy a house or condo- I would lease/rent, and just get what I need. As for cars, I also like luxury imports, but I stick to 2-3 year old versions from CarMax, and keep them until they are 10 years old or 100K miles. I like my Inf...
by gasdoc
Tue Nov 14, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

I've tried meditation once or twice out of curiosity. What kept me from going further is that some of the common "tools" of meditation -- saying "OM", focusing on one's breathing and looking at a mandala -- are not things that provide a positive feeling in me. In particular, I have a specific disli...
by gasdoc
Tue Nov 14, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

I've tried meditation once or twice out of curiosity. What kept me from going further is that some of the common "tools" of meditation -- saying "OM", focusing on one's breathing and looking at a mandala -- are not things that provide a positive feeling in me. In particular, I have a specific disli...
by gasdoc
Tue Nov 14, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

I pray, but do not meditate. I view the two as polar opposites. Since discussion of religion or anything spiritual isn't appropriate on a financial forum, I can't elaborate. Longtermgrowth, I will just respectfully disagree with that statement. They can be very compatible. The American Medication I...
by gasdoc
Mon Nov 13, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 28
Views: 2183

Re: What backup service to use?

Carbonite has saved me a few times. No problems thus far. It works seamlessly in the background, as does my external hard drive. I do both.

gasdoc
by gasdoc
Mon Nov 13, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

Yes, but not as often as I should. My wife teaches yoga, and I've done yoga for 20 years. Now, I mostly do a 30 minute daily stretching routine mixed with some yoga poses. When doing this, I'll often listen to a dharma talk from Gil Fronsdal (Insight Meditation Center). He has a lot of free talks o...
by gasdoc
Mon Nov 13, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5998

Re: Costco for tires and car insurance?

OP, I live in your city and have first-hand experience with both Costco and DT in the past month. The prices vary back and forth depending on current sale deals, but the tie-breaker is which employee you deal with. For example, I had DT mount my new Blizzaks on some take-off rims I bought unused at...
by gasdoc
Mon Nov 13, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

“How much time per day? Have you noticed any benefits?” I meditate about 5 days a week, ~30 minutes each time. I am able to pull myself back from ruminating while driving a couple times each drive. Occasionally when playing with the kids. I am more aware of when I am getting stressed out. When I no...
by gasdoc
Mon Nov 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5998

Re: Costco for tires and car insurance?

Kaufman Tire sponsors NFL football teams in our area of the country- the Southeast. They run a promo where they discount their tires $30 for each quarter that the team scores, but only for one day, the day after the game. Our NFL team scored in all four quarters (unusual), so 4 tires were discounted...
by gasdoc
Mon Nov 13, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

Although I’d been made aware of it for a long time, I only recently (~May 2017) truly began doing it. Stress was savaging me. I expect to start yoga someday. My Stroke of Insight by Jill Bolte Taylor was illuminating. The American Meditation Insight promotes their programs for those that are experi...
by gasdoc
Mon Nov 13, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

No. I read the Bible (every day) and spend time in prayer. I do take time to consider the meaning of what I have read - sometimes using commentaries. goldendad, It sounds like it would not be much of a reach to go from time in prayer to adding time for exclusive attention to a focal point, whether ...
by gasdoc
Sun Nov 12, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

Thanks, everyone for the comments. I am reading them all.

gasdoc
by gasdoc
Sun Nov 12, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2385

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few w...
by gasdoc
Sat Nov 11, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

J295 wrote:
Sat Nov 11, 2017 5:35 pm
Yes. One of many prayer forms in the Catholic tradition.
Or you can do a short prayer in the beginning of the meditation....

gasdoc
by gasdoc
Sat Nov 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

Yoga, yes, twice a week. I have ankylosing spondylitis, and yoga is a necessity. There's simply nothing better for fighting the stiffness in my back and neck. I have a hard time with meditation though. My mind tends to wander even during the brief rest time at the end of yoga class. So I just let i...
by gasdoc
Sat Nov 11, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

OP, Be mindful and aware while doing a routine. For example, while taking a daily walk, instead of wearing a headphone and shut yourself off, feel and aware of your movement. Be mindful of your surrounding. Ditto on cycling and so on. Integrate mindfulness and focus on what you are doing at the mom...
by gasdoc
Sat Nov 11, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

BV3273 wrote:
Sat Nov 11, 2017 12:32 pm
Want to start but not sure where to start. I'm going to try that headspace app.
I liked the book, "The Mind Illuminated," for getting started. At the very beginning, I worked through a couple of free, guided internet resources.

gasdoc
by gasdoc
Sat Nov 11, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Re: Do you meditate?

I go to Yoga at my health club as I think its likely good for me. Today the teacher was reminding us to breathe, breathe, breathe. I think that this is good as well as some of the poses. Breathing is part of the practice of meditation. Focus on the base of the nose, and notice the cool air going in...
by gasdoc
Sat Nov 11, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7844

Do you meditate?

My wife and I recently attended a conference titled, "The Heart and Science of Yoga," done by Leonard Perlmutter and the American Meditation Institute. During the week, we were introduced to the practice and science behind meditation, easy and gentle yoga, healthy and mindful eating, etc. The course...
by gasdoc
Sat Nov 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2385

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few w...
by gasdoc
Wed Nov 08, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2375

Re: When is a good time to rebalance?

I have essentially a 4 fund portfolio (US stocks and bonds and international stocks and bonds). I rebalance whenever my asset allocation is off by more than 5%. I do not do any investing in REITs or other specialized stocks or funds. I understand these other investments, but prefer to follow Vanguar...
by gasdoc
Wed Nov 08, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 511

Re: Do hospitals provide maternity package?

I can't answer the question directly, but I can tell you that should you decide to use the insurance, you can call the hospital to ask for the "self pay" price. In my experience, they usually will give it to you when you are paying cash because of a high deductible. That way, the charges will count ...
by gasdoc
Wed Nov 08, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2385

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few we...
by gasdoc
Tue Nov 07, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4878

Re: Poll-How much do you have in your HSA?

NYCguy wrote:
Mon Nov 06, 2017 10:01 pm
$105k - 2010.
How?

gasdoc
by gasdoc
Tue Nov 07, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4878

Re: Poll-How much do you have in your HSA?

My first access to an HSA was 2009, when I became self-employed. $55K. TSM index.

gasdoc
by gasdoc
Mon Nov 06, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

MarkNYC, thanks for clarifying. We have renters in the unit about 150 days per year. Therefore, we have 15 days available to us without having to pro-rate the expenses. gasdoc No, that's not correct. Please re-read rule #1 listed above. Any personal use causes expenses to be prorated. The 14 day/10...
by gasdoc
Sun Nov 05, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. I believe this is stated incorrectly. Code Sec 280A provides the rules relating to personal use of a rental property, which indicates: 1. If the owne...
by gasdoc
Fri Nov 03, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. I believe this is stated incorrectly. Code Sec 280A provides the rules relating to personal use of a rental property, which indicates: 1. If the owne...
by gasdoc
Fri Nov 03, 2017 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

If you rent a dwelling unit to others that you also use as a residence, limitations may apply to the rental expenses you can deduct. You're considered to use a dwelling unit as a residence if you use it for personal purposes during the tax year for more than the greater of : 1.14 days, or 2.10% of ...
by gasdoc
Thu Nov 02, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

The “14 day limit” only applies if your vacation rental business qualifies as a schedule E business. Not a Schedule C business. What’s the difference? It’s average length of stay. If your average guest length of stay is 7 days or less, the IRS considers your business a hospitality type business and...
by gasdoc
Wed Nov 01, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. Meaning if you AirBnb the place all year except the one month you use it, but you have gaps between guests and only net 200 rented nights, then all y...
by gasdoc
Wed Nov 01, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Limit Owner Use of Rental Home to Two Weeks?

We own a home in a retirement community in Florida for the purpose of pre-buying a retirement home. We currently visit the home ourselves for two weeks per year, and rent it out for the remainder of the year.I am vaguely aware that the owner of a rental unit can use the home for two weeks of the yea...
by gasdoc
Wed Nov 01, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4114

Re: Inexpensive house or condo as home base (MKE?)

Of the two choices, I would go with the condo because of its low maintenance costs. As an owner of second homes, I am familiar with the costs of maintaining an unoccupied home. Personally, I would rent or lease the "home base," perhaps on a yearly basis. At the end of the year, you can release or wa...
by gasdoc
Wed Nov 01, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 4722

Re: Pet insurance?

Self insure when you can. Insurance is not a substitute for a budget and an emergency fund. I am in the "no pet insurance" camp.

gasdoc
by gasdoc
Sat Oct 07, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1578

Re: Combining spouses separate accounts into one joint account. Any downsides?

When we got married, we spoke to an attorney about this. He recommended separate accounts, except for a joint checking account, for the following reasons: 1. If one of us was sued for anything, the other's accounts would be not be threatened. 2. If one of us decided to make some hare-brained invest...
by gasdoc
Sat Oct 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 804

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. gasdoc Of the three, which do you have actual accounts with (like log in credentials)? The reason I ask is because it seems Equifax & Experian don't require any...
by gasdoc
Sat Oct 07, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 804

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

We (myself, wife, and new adult daughter), have had security freezes with the big three companies for many years (ten?). It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. Usually, I will ask the company I am doi...