Search found 250 matches

by Erwin007
Sat Jan 19, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4678

Re: 11 days in Europe...Budget and logistical advice please

Hi, as a European who spends his time travelling to European cities for a living, I would be careful of spending so much time in Paris. You might end up disliking the place. 2 days max in Paris for a newcomer. Then I would use the train system from Paris and get to Amsterdam. From Amsterdam you can...
by Erwin007
Sat Jan 12, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

Go back and read my entire post where I separated institutional settings from private practices. Then get back to us once you are caught up. We are talking about different settings. These 2 settings are outlined in my post. I am talking about one and you are talking about the other. [OT comment rem...
by Erwin007
Sat Jan 12, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

Go back and read my entire post where I separated institutional settings from private practices. Then get back to us once you are caught up. We are talking about different settings. These 2 settings are outlined in my post. I am talking about one and you are talking about the other. [OT comment rem...
by Erwin007
Sat Jan 12, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by Erwin007
Fri Jan 11, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by Erwin007
Fri Jan 11, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

I believe (based on personal experience and talking with orthopedic doctors and PAs) that many knee problems are going to require an MRI for proper diagnosis. I don't know how common it is for a PCP to order knee MRIs, interpret them, and recommend surgery. An ortho diagnosed my hip problem, based ...
by Erwin007
Sat Jan 05, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4678

Re: 11 days in Europe...Budget and logistical advice please

Look into the Navigo weekly all zone pass for the Paris Metro. It is their commuter pass and is cheaper than their tourist pass. It works on the subway, bus and the commuter trains. We were able to take the express commuter trains an hour and a half, two hours outside of Paris as part of the Navigo...
by Erwin007
Tue Jan 01, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8106

Re: Saving at Costco

I also bought some King crab legs at Costco today for $22.99/lb. The frozen crab legs they have at Walmart may be cheaper but they are tiny and have very little meat per leg, so you end up paying for a lot of exoskeleton. Are you sure you aren’t comparing apples to oranges? Snow crab and King crab ...
by Erwin007
Tue Jan 01, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8106

Re: Saving at Costco

Well known by who?Their clothes are actually very good deals as well.You definitely save money at Costco vs most shopping options when you view it as a total shopping experience including the quality of their products. Yea there are people that go to many different places and buy only what is on sp...
by Erwin007
Thu Dec 13, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2693

Re: Should this doctor pay damages for malpractice?

White Coat Investor wrote:
Wed Dec 12, 2018 11:47 pm
In before the lock.
+1 locked thread.
by Erwin007
Sat Dec 08, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21000

Re: Best values at Costco? Honestly, a little disappointed...

We are frequent Costco shoppers. We are a family of 5 and so buying in bulk isn’t really a problem for us. We also have a chest freezer in our garage so freeze some things for later use. I find their fresh meat to be of much higher quality and better value than our local grocery stores. In the last ...
by Erwin007
Tue Nov 20, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5241

Re: Incompetent home inspector - what to do?

We recently sold a house to a buyer with VA lending, and had an incompetent inspector. I think incompetent home inspectors are a dime a dozen, and the rule rather than the exception in the home inspection world. The house we sold was 15 years old and had some typical cosmetic issues for a house that...
by Erwin007
Sat Oct 20, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6142

Re: Pull kids from school for vacations?

I'm curious how others feel about this. Did you pull your kids from school to go on amazing family vacations or was school too important and you planned all trips around the school schedule? Our message to our sons was always that learning was important, and that school was their #1 job. We schedul...
by Erwin007
Sat Oct 20, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6142

Re: Pull kids from school for vacations?

We have never and will not pull children from school for vacations. It detracts from the commitment to education and sends a message that vacation has a higher "family value" then education. The only time we have allowed an unexcused absence for a child was one day when a university under considera...
by Erwin007
Sat Oct 20, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6142

Re: Pull kids from school for vacations?

Our kids are just getting to the age where school is more difficult. Our oldest just started middle school this year, and the younger 2 are in elementary school still. In the last 2 school years (last September when oldest was still in elementary school) we have taken the kids out of school for a we...
by Erwin007
Sat Oct 13, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3292

Re: Reducing overall medical costs. Do we do anything?

The two things that most people could probably do to reduce medical costs the most are to not smoke and to be at their ideal body weight.
by Erwin007
Sat Sep 15, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2687

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by Erwin007
Fri Sep 14, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3261

Re: Pay off 3.125% 152k mortgage early?

Pay it off as fast as you can, Laser like focus. +1000...... You 're asking this question because you hate debt.....me too. We paid ours off early also......there is no better feeling than having zero debt.... Pay it off.......at WARP SPEED!!! :sharebeer The better feeling is having more money than...
by Erwin007
Fri Sep 14, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2687

Re: Paying down mortgage vs investing

Investing grows by compound interest, while the mortgage payment is simple interest. The mortgage payment also compounds. If you make an extra mortgage payment, you pay the same amount in the next month, but less of that payment is interest and more is principal. For a simple example, suppose you h...
by Erwin007
Fri Sep 14, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2687

Re: Paying down mortgage vs investing

Strive to become "debt free" Including mortgage. Once you get there, If being debt free doesn't suit you. Borrow money, :happy Except then you’ve lost out on years of compounding. The emotional decision may be to pay off the mortgage but the smart/better financial decision is to pay the minimum on ...
by Erwin007
Fri Sep 14, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2687

Re: Paying down mortgage vs investing

Investing grows by compound interest, while the mortgage payment is simple interest.

Invest the extra money.
by Erwin007
Thu Sep 13, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1496

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Maybe this is whey the ER residents at the hospital where I did my orthopedic surgery residency couldn’t reduce a simple distal radius or ankle fracture—they were too busy flipping home in their off time instead of learning how to be an ER doc. Seriously, this is a bad idea. I know ER residency is e...
by Erwin007
Wed Sep 12, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help me determine best course of action- Student Loan vs Backdoor Roth
Replies: 5
Views: 431

Re: Help me determine best course of action- Student Loan vs Backdoor Roth

Another vote for backdoor Roths. Can’t ever get that space back.
by Erwin007
Sun Sep 09, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12626

Re: Excessive Emergency Room Charges - Options?

On the other hand, our Kaiser "Urgent Care" 24x7 facility that is (in my estimation) able to handle 99% of things one might go to an ED for seems to have been able to control costs of delivering the services. You don't see the things people go for, not the really expensive visits that cause financi...
by Erwin007
Sun Sep 09, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical charge question
Replies: 3
Views: 473

Re: Medical charge question

This wasn’t a surgery charge. The bill, if you look at the CPT code, was likely for something like “closed treatment of radius fracture.” Closed treatment means no surgery was done, but the fracture was treated non-operatively. These codes usually have a 90 day global period so your future visits wo...
by Erwin007
Sat Sep 08, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3107

Re: Run Air Conditioner even if not needed?

If it’s an apartment, why does it matter?

If I lived in an apartment and didn’t need to run my A/C I wouldn’t. Why incur the extra expense?
by Erwin007
Thu Aug 09, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22276

Re: "Don't Obsess About Expense Ratios"

It is a fact that there is a strong pro-Vanguard sentiment in this forum, which makes perfect sense as John Bogle founded Vanguard. However, in recent years Schwab and Fidelity have been aggressively out-bogling Vanguard, at least in their big index funds. The new zero-ER Fidelity funds follow a br...
by Erwin007
Tue Aug 07, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5286

Re: Maui Hawaii Trip - How to save money?

I can't believe I'm writing this given how frugal I am, but don't cheap out on uninspiring food. Yes, you can get Safeway sandwiches or bake a frozen pizza in your condo just like you do at home, but why? There is so much good food there - things you've never tried or never eaten so fresh. When we ...
by Erwin007
Sun Aug 05, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: input on trip to Spokane, Coeur D'Alene
Replies: 25
Views: 1811

Re: input on trip to Spokane, Coeur D'Alene

Stayed in Coeur D’Alene last year for a family reunion. My family and I did the bike trail “Route of the Hiawatha.” It’s a fairly leisurely, mostly downhill bike ride through some beautiful scenery. There are some fairly high trellis bridges and a few train tunnels you need headlights to ride throug...
by Erwin007
Fri Jul 27, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: How to negotiate bills from hospital?
Replies: 22
Views: 1989

Re: How to negotiate bills from hospital?

usually if you wait like 6 months and don't pay they will send it to collections and collections will normally take like 50-75% of the balance and called it closed. It may hurt your credit, but maybe that isn't an issue. It's getting more difficult for "medical debt" to hurt one's credit. Increasin...
by Erwin007
Thu Jul 26, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Southwest Airlines - unused ticket - can I carry forward beyond 1 year?
Replies: 6
Views: 789

Re: Southwest Airlines - unused ticket - can I carry forward beyond 1 year?

After cancelling and waiting a while, we bought a ticket for one year in the future. Then I think we cancelled it and got another year in the future. Couldn't hurt to try. I just cancelled a United flight and have to pay a $125 fee to reschedule in the next year. I guess that's better than nothing....
by Erwin007
Thu Jul 19, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3398

Re: International Stocks in Taxable?

I dont like the complexity of additional tax forms either, dating back to before TurboTax. For the foreign tax credit, it gets calculated regularly and for AMT. I know TurboTax can do it now but it has a lot of problems with it. I particularly don't like the high percent of dividends that are not q...
by Erwin007
Thu Jul 19, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 81
Views: 13839

Re: I may have understood why it's so hard to save and invest

Albert Einstein said that compound interest is the most powerful force in the universe. IF you could continue to compound your net worth at 2% a month, you will have over 1.2 million dollars in 12 years. I would love to have my net worth compound at that rate. I hear this “quote” thrown around a lo...
by Erwin007
Wed Jul 18, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7574

Re: Families - What's your total annual credit card spend?

$73k last year. Everything possible goes on the card due to generous credit card rewards. Family of 5. Kids aged 11, 9, and 7. what is generous and which card? Costco Visa card. And we are executive members. 4% back on gas, 3% on travel and restaurants, 2% on everything at Costco (> 90% of our groc...
by Erwin007
Tue Jul 17, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7574

Re: Families - What's your total annual credit card spend?

$73k last year. Everything possible goes on the card due to generous credit card rewards. Family of 5. Kids aged 11, 9, and 7. what is generous and which card? Costco Visa card. And we are executive members. 4% back on gas, 3% on travel and restaurants, 2% on everything at Costco (> 90% of our groc...
by Erwin007
Mon Jul 16, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7574

Re: Families - What's your total annual credit card spend?

$73k last year. Everything possible goes on the card due to generous credit card rewards. Family of 5. Kids aged 11, 9, and 7.
by Erwin007
Sun Jul 01, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 12505

Re: Feel like I'm sinking money into international

I started investing in International in April 2015. My holdings (mid 5 digits) are now up 9% since that time. I’m happy with that return and not chasing performance. I had a reason why I started investing in International, as it appears you did at one time as well. If that has changed, may be time t...
by Erwin007
Sat Jun 30, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan refinancing
Replies: 1
Views: 320

Re: Student loan refinancing

17.5k in loans 7 different loans Average interest rate 3.95% through Fedloan $244 monthly payment 7 years till expected payoff Should I try to refinance? How would you go about this? I use some of my extra income to make additional payments. What are the highest rates on the loans? May be worth try...
by Erwin007
Sat Jun 30, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a time share/vacation rental in Mexico
Replies: 12
Views: 1372

Re: Selling a time share/vacation rental in Mexico

I just saw a week on sale at the exact same place on the TUG2 users group classified section for $2,000, for a 2 BR presidential suite. To give you an idea of what they are going for. ETA: saw a second one, presidential suite sleeps 8 at same place at Sunset for $2,250, and a 1 BR that sleeps 6 for ...
by Erwin007
Sat Jun 30, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 2250

Re: Anyone use T-mobile cell network?

Been with tmobile for almost 2 years. Coverage and signal strength is definitely less than ATT, Verizon. Cost of plan keeps us subscribing. Also, the international service is really convenient and reliable. It's the bonus that tips the scale. Interesting. Must be the area (obviously). We had Verizo...
by Erwin007
Tue Jun 19, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9577

Re: Which Supermarket are you?

Costco—majority of food here, basically all meat/fish, dairy, fruits/vegetables, bread, juices, cheeses, and bulk staples like flour, rice, sugar, etc. Winco—second most frequented for bulk items (spices, herbs, etc) and for regular items or ethnic type items not carried at Costco or for which Costc...
by Erwin007
Sat Jun 16, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 67
Views: 8136

Re: African Safari: Worth it or Hype?

People usually overrate their travel, since they had spent so much time and money. I have a unique way to judge if it's a hype or really worth it, check the revisiting ratio. More returning customers, the more worth it. The rule is also good for restaurant. What do you think? Probably not a great m...
by Erwin007
Sat Jun 16, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Good family portrait place
Replies: 5
Views: 449

Re: Good family portrait place

You’re barking up the wrong tree. I didn’t honestly think people still used those portrait places. Your best bet is to go to google and type in [your city] family photographer. Then look at the likely dozens of websites that pop up. See which style suits you and then contact a few to get prices. Man...
by Erwin007
Sun Jun 10, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7190

Re: Need advice on 1st international vacation

A recommendation I haven’t seen would be staying on the southern coast of Spain. We did that for a week after graduating from Med school and had a great time. I speak French but no Spanish and got around fine. Went to Gibraltar for a day, Ronda for a day (exceptional), and Benahavis for another day...
by Erwin007
Sun Jun 10, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7190

Re: Need advice on 1st international vacation

Consider an all inclusive resort in Cabo, etc. Everything you need will be contained within the resort and the customer interfacing employees will speak excellent English. The OP says they "love to sight-see, explore the local culture, and find nice places to eat". Somehow I doubt that an all inclu...
by Erwin007
Fri Jun 08, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Overfunding 529
Replies: 25
Views: 2650

Re: Overfunding 529

Foolish like a fox, isn't that the saying? I'll keep the six figures in gains from being taxed any day of the week. Remember that generations increase exponentially. 2 children, 4 grandchildren, 8 great-grandchildren. $1 million sounds like a lot for two kids, not so crazy for eight great-grandchil...
by Erwin007
Sat May 19, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1410

Re: Quadcopter Drone anybody? - for beginner

Another vote for the Syma X5. I got mine for around $40 on amazon and spent another $10 on rthe placement parts and some extra batteries, since they only last about 5 minutes. I’ve had hours of fun with it, and also find it fun to chase away the Canadian geese that like to eat our grass and poop in ...
by Erwin007
Tue May 01, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 4217

Re: Where to babymoon?

Wife is pregnant and expecting late August - so we're looking to take a small, 5day or so, vacation to relax prior to the babies arrival. Historically travel to exotic beaches every year as well as numerous places we've never been before... that's typically our jam. Open to wherever but ideally not...