Search found 214 matches

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: 23
Views: 1303

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: 10712

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: 267

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: 1245

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: 1766

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: 8378

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: 57
Views: 4653

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: 355

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: 6155

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: 6155

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: 2454

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: 1182

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: 3854

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...
by Erwin007
Thu Apr 26, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?
Replies: 10
Views: 1476

Re: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?

Just curious what your plan was for selling the house with a flat fee broker. It had to be more than get on the internet and ask random strangers to do a job that is usually paid at 3% of the cost of a home sale, right?
by Erwin007
Tue Apr 24, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30505

Re: How old are you and how much do you save for retirement a year

39 and wife is also 39. $18,500 in 403(b) employee contribution $18,500 in 457(b) $9,000 in 401(k) employer contribution $11,000 for backdoor Roths for me and the wife $6850 in HSA $18,500 in wife’s solo 401(k) ~ $40,000 in taxable account Total: ~$120,000 towards retirement/savings We got a late st...
by Erwin007
Fri Apr 20, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

:sharebeer To make this thread somewhat actionale, here is a book I read recently (from my local library) https://www.amazon.com/Your-Best-Health-Care-Prescriptions/dp/1501132865 Worth a read. The author is pretty down on HSAs, but (as this thread shows), for many people they aren't a great idea. I...
by Erwin007
Fri Apr 20, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

:sharebeer To make this thread somewhat actionale, here is a book I read recently (from my local library) https://www.amazon.com/Your-Best-Health-Care-Prescriptions/dp/1501132865 Worth a read. The author is pretty down on HSAs, but (as this thread shows), for many people they aren't a great idea. I...
by Erwin007
Thu Apr 19, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

My patients who ask for a cost estimate, which in my experience is way less than 5%, and probably closer to 1-2%, get provided a pre-printed sheet with the CPT code(s) I’m submitting to insurance for pre-authorization, as well as the estimated length of the procedure. The sheet has phone numbers fo...
by Erwin007
Thu Apr 19, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

UpsetRaptor wrote:
Thu Apr 19, 2018 11:22 pm
These medical bill threads are almost getting to be as bad as political threads.
They ought to just ban them outright.
by Erwin007
Thu Apr 19, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

...most of what you mentioned had nothing to do with the OP’s situation—an outpatient workup with a few tests for which the price could have been easily obtained before the tests. Nothing to do with balance billing or “drive-by-doctoring” (whatever that is). With all due respect, you don't know tha...
by Erwin007
Thu Apr 19, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I do it all the time. I’m a surgeon. As a public service, can you explain how? I would sincerely appreciate it, because the times I've tried, I've had no luck. Specifically, I could not get the surgeon or the hospital to provide the complete set of codes. I was told each of the providers -- the fac...
by Erwin007
Thu Apr 19, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You continue to miss the point that the patient can absolutely call their insurance company to get an amount they will be responsible for before any services are rendered. Seriously? Have you tried this with any major procedure, like a routine surgery? I have. It was impossible. Not to mention prob...
by Erwin007
Thu Apr 19, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

If you do not pay you go to collections. That simple. If you can bargain as a consumer then great. If you can't then you have 2 options. Pay or go to collections. But in fact, patients do have a third option, which is to call and negotiate the final price after the fact, which is exactly the advice...
by Erwin007
Thu Apr 19, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

if you expect them to pay Y, shouldn't the patient know what Y will be BEFORE any service? I am really starting to think the issue here is LACK OF READING prior replies before replying randomly with the same trite response. Read any of my posts I give the patient ALL the info. they need to call the...
by Erwin007
Thu Apr 19, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Take a minute (and others out there who keep saying the same thing over and over). If you ran the business of doing lets say an MRI and go into contract with, for example, BCBS and LEGALLY have to bill every patient of theirs the same way. You do what is expected of you taking on FULL Risk of not b...
by Erwin007
Thu Apr 19, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

if you expect them to pay Y, shouldn't the patient know what Y will be BEFORE any service? I am really starting to think the issue here is LACK OF READING prior replies before replying randomly with the same trite response. Read any of my posts I give the patient ALL the info. they need to call the...
by Erwin007
Wed Apr 18, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A raw nerve seems to have been struck among some docs here. Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. But you ARE told in advance that you might use your entire deductible EVERY YEAR. T...
by Erwin007
Wed Apr 18, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A raw nerve seems to have been struck among some docs here. Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. Imagine getting a bill for an airline flight a month after the fact for an outrageo...
by Erwin007
Wed Apr 18, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10833

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A lot of provider contracts with health insurers don't allow further discounting to people insured. Don't you get an insurance discount? Was it in network? You say a small portion was covered, yet you hadn't reached your deductible. We had to get a CT Scan last year. The bill was $2100 but the insu...
by Erwin007
Mon Apr 16, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 17553

Re: Can I retire at age 40?

This is great stuff. Currently we have been living off $120,000 and paying $25,000 for a family plan insurance that includes health. Dental. Vision I did check a little bit on Open market and was coming up with similar pricing albeit higher deductibles. That $120,000 included insurance so really li...
by Erwin007
Thu Apr 12, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4197

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Sorry about your accident and the injury. I have gone through this too and understand how hard it can be. First, I would drop the PCP. If a doctor refused to see me because of the way I was injured, its not a doctor I'd want to deal with. Second, it shouldn't matter to the doctor. If you are covere...
by Erwin007
Sun Apr 08, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: pay off student loans or wait?
Replies: 10
Views: 1196

Re: Physicians: pay off student loans or wait?

I agree with what neurosphere said above. I was given $75,000 for loan repayment at my first (and current) job before I started 3.5 years ago. This was a 3 year forgiveness period (a certain amount forgiven every month), so I am now free and clear. The other thing they don’t tell you is that is a co...
by Erwin007
Wed Mar 28, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6860

Re: Question for physicians-- is my taking call worth it?

I'm not a doctor, but to those of you saying it's not worth it, what if every <fill in type of specialist> in the area declined to take any calls from the county hospital? Shouldn't the poor have access to emergency care? I think it would be more fair if all the doctors of a specialty decided they ...
by Erwin007
Wed Mar 14, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Costco Travel hold time
Replies: 5
Views: 1141

Re: Costco Travel hold time

I have only called Costco travel one time a few months back when our flight itinerary changed quite a bit for our upcoming trip to Maui. When I called I was given the option to have them call me back instead of waiting on hold. Was that an option? It supposedly saved my place in line but I avoided h...
by Erwin007
Wed Feb 28, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Frightening letter from Experian
Replies: 9
Views: 2725

Re: Frightening letter from Experian

My experience with Experian has also been underwhelming. I was one of the “lucky” ones whose SSN was compromised and I signed up for the free credit monitoring. I had a few of their notices come across my email and called them and their reps were pretty unhelpful. As an aside, I would never call a n...
by Erwin007
Sat Feb 10, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Physician disability insurance
Replies: 8
Views: 699

Re: Physician disability insurance

I pay $650/month for $17k benefit, so about $7800 per year. Orthopedist/39/male. Seems reasonable to me.
by Erwin007
Wed Feb 07, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Advice for new Boglehead-where to focus extra money to correct past mistakes?
Replies: 26
Views: 2286

Re: Advice for new Boglehead-where to focus extra money to correct past mistakes?

AndMan - welcome It would be helpful if you put the full name (most of us do not have all the tickers memorized) and expense ratios and % of total funds. I suspect you'll get a better response. Re high yield savings, Ally (ally.com) is well regarded online bank with 1.35% regular savings and if you...
by Erwin007
Fri Jan 26, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I focus on paying down student loans during a Bear Market?
Replies: 14
Views: 1223

Re: Should I focus on paying down student loans during a Bear Market?

Yeah i don’t understand at all the idea of paying down loans more aggressively during a bear market. Mathematically the opposite would be what you want to do, unless you’re of the crowd that likes to buy high and sell low.
by Erwin007
Mon Jan 22, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2595

Re: Kauai Travel Tips

We're headed to Kauai in mid March. I have a 3 year old and a not quite 2 year old. We haven't traveled much with them yet, so hopefully this is a great adventure. I've heard kids love long flights. :shock: I can practically guarantee you will be getting the evil eye from every single person on the...
by Erwin007
Sun Jan 21, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 2150

Re: Disability Insurance - Physician

It’s another reason to be an employed physician, I’m 47 and have had a policy all along since finishing fellowship paid for by my employer My wife is a physician too so perhaps I don’t have as much need for a policy as one physician families IMO I would get one if my BMI is over 30 Because odds of ...
by Erwin007
Sun Jan 21, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

As others have said, the small fee really does not compensate the office for lost income. The major purpose is to regulate people by using the fee as a threat or as a punishment. If I break a law I expect to pay a fine. If I'm merely inconsiderate I do not expect pay a fee to be taught a lesson. An...
by Erwin007
Sun Jan 21, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 2150

Re: Disability Insurance - Physician

It’s another reason to be an employed physician, I’m 47 and have had a policy all along since finishing fellowship paid for by my employer My wife is a physician too so perhaps I don’t have as much need for a policy as one physician families IMO I would get one if my BMI is over 30 Because odds of ...
by Erwin007
Sun Jan 21, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

Those who advocate that a MD or Dentist's time is valuable and they should assess a cancel charge should consider wjy the same does not apply to restaurant reservations, car rental, hotel reservations, hair appts, oil changes. Isn't time valuable to every one. The failure of the above to be on time...
by Erwin007
Sun Jan 21, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

I agree with speaking to the practice manager about this, rather than the doctor, who likely has no input on this as has been mentioned above. You should get the time of the phone call made by your daughter (should be in the call log on her phone), the time of her appointment and what time the annou...
by Erwin007
Tue Jan 09, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7636

Re: Lowball offer on a home

I think if you want to make a lowball offer then you should do it. As long as you aren’t really attached to the house (which sounds like you might be), then who cares if they reject it? There will be more houses to offer on. What you can’t do is then come back with an increased offer after they’ve r...
by Erwin007
Sat Jan 06, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard site: can't pick destination fund for Roth conversion
Replies: 16
Views: 1248

Re: Vanguard site: can't pick destination fund for Roth conversion

I don’t have a brokerage account tIRA, but my wife does. On 1/2 I put $5,500 in each of our traditional IRAs. A couple of days later I logged into hers and there is a link that says “Convert to Roth IRA.” Doing this in her account merely put $5,500 into the prime money market fund in her Roth IRA, w...
by Erwin007
Sun Dec 31, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6496

Long Term House—Any Regrets on things you didn’t do?

As I’ve started looking towards the New Year and making goals and plans, I realized that we’ve been in our current home for 3.5 years. Aside from the 5 years we spent in our house in residency, this is the longest we’ve been in one house due to the nomadic schooling life we have lived. I don’t antic...
by Erwin007
Sat Dec 09, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 19148

Re: Save all this money, what do you splurge on?

We have a few. 1). We buy good food—fresh fruit and vegetables, high quality meat and fish, good imported cheese, etc.). We prepare most of our meals at home and so this makes a big difference for our enjoyment of life. We could certainly eat more cheaply, but don’t. 2). The rare times we do eat out...
by Erwin007
Mon Nov 20, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6898

Re: Drive it till it dies. It died.

Regarding the old car, maybe you can put an add on Craigslist and see if a Nissan enthusiast who wants to take on the transmission rebuild will want to buy it from you. Otherwise, your only option may be to call a junk yard and sell it for scrap. Why would you buy a newer version of a car that just...