Search found 147 matches

by Allixi
Sun Jun 10, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 5993

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

My intent was not to harass, instead I was being tongue in cheek about GA. You got lucky, whether it be through inheritance or through a business that someone thought was valuable enough to pay you handsomely for it. Luck is an important factor in obtaining the money, you may not be as lucky the ne...
by Allixi
Mon Jun 04, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3700

Re: Can a physician work in tech while practicing as well?

I know a guy who works full time doing informatics for Wolters Kluwer, and a few PRN shifts as a hospitalist.
by Allixi
Sun May 13, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 8346

Re: What do you buy in Asian food stores?

I thought this post looked familiar! Stuff I typically buy at Asian markets: Korean ramen - more expensive, but less greasy than Chinese and more flavorful than Japanese ramen. Add some dry noodles and vegetables of your own. Various greens - A-choy, bok choy, gailan, canola leaves, pea sprouts - yo...
by Allixi
Sun Apr 22, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3683

Re: Traveling to Asia-need advice

Check the CDC website for travel advisories. I know malaria is still endemic in some parts of China so he may need to prepare some medications, if not vaccinations.
by Allixi
Sat Apr 21, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 1769

Re: Visiting Chicago - Foodie suggestions?

I was going to suggest Ruxbin, but it looks like they closed last September :(
by Allixi
Fri Apr 20, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5102

Re: Factor in evaluating Physicians

There was one time (years ago) when I was a medical student, that I saw a family physician harangue about the insurance company substituting a cholesterol medication. He called it "tantamount to practicing medicine without a license". I thought, at the time, that he was just old and stubborn, but th...
by Allixi
Fri Apr 20, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5102

Re: Factor in evaluating Physicians

BTW, does anyone know what "promotional speaking/other" really means? 1210 It means exactly that - going to a hospital, office group, or medical school and giving a Powerpoint lecture about some drug, device, or treatment. Sometimes these are hosted at a local restaurant. I've been to one - food wa...
by Allixi
Thu Apr 19, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5102

Re: Factor in evaluating Physicians

P.s. It is funny how everything thinks doctors are rich, but can be bought by a free $5 sandwich. It is sad how much mistrust there is between doctor and patient in today's world. No one is to blame, but just sad. It's actually still a pretty good relationship in the US. Try going to China to get a...
by Allixi
Wed Apr 18, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15891

Re: Is Los Angeles a good place long term to live financially?

I love this thread and hope it never dies; it is truly a breath of fresh air, as the forum topic can be a little stale at times. OP, have you ever lived in LA? Surely someone of your resources could find a way to spend a few months there and see for yourself? Some aspects of the city, both good (wea...
by Allixi
Sun Apr 15, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2378

Re: Yellow Stone time needed

You could do it, but I don't think it would be a very fun trip. It takes 4.5 - 6 hours to drive from Salt Lake City to the park, without traffic, bathroom breaks, or stopping for food. I'm planning an August trip to Yellowstone as we speak, and almost all lodging within the park are completely booke...
by Allixi
Tue Apr 03, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Physcian specialty question - not advice
Replies: 12
Views: 1611

Re: Physcian specialty question - not advice

Depends on the setting too. In a large urban/academic center, surgeons are so hyperspecialized you could probably find an actual left ear surgeon vs right ear surgeon :wink: . In a rural area a general surgeon could be doing cases ranging from vascular to plastic and oncologic (cancer) surgery. Some...
by Allixi
Wed Mar 28, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9415

Re: Not going to be buying chicken for a while...

How long has this been going on? I never cook chicken breast, and pretty much only eat them at cafeterias/Boston Market, and they are invariably dry, tough, and tasteless. Oddly enough, this doesn't seem to happen with those whole rotisserie chickens you can buy for $5 at Costco or Walmart. Maybe it...
by Allixi
Thu Mar 22, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 8040

Re: How can I start investing when equities and real estate are this much high?

Keep waiting, there will be a 30% “correction” eventually; it may take a month, a year, or decade(s).

As long as you don’t mind losing out on all the gains until then.

Also keep in mind that 30% drop could actually be the start of a 50% (or more) drop, I hope you’re mentally ready for that too.
by Allixi
Sun Mar 18, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 8104

Re: Incredibly sleazy Northwestern Mutual cold caller

This seems like a Bogleheadian version of scambaiting
I'm impressed you remembered the conversation in such detail though :D , did you record it on your phone?
by Allixi
Sat Mar 10, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Stay in federal employment vs leave for private practice
Replies: 30
Views: 2696

Re: Stay in federal employment vs leave for private practice

Is the 50-60% salary raise pretax? Depending on your marginal tax rate and retirement account options, that may only be 30-40% or less. An extra hour/day of commuting would be a dealbreaker for me. In a 10-hour workday, that's essentially a 10% pay cut per hour! I don't care much for my higher-level...
by Allixi
Fri Mar 09, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 74280

Re: Netflix, Your Current Favorite Show

Yiewsley wrote:
Mon Feb 26, 2018 11:07 pm
On Acorn TV (via Amazon Prime but you can get it standalone: The Detectorists
Detectorists seasons 1 and 2 are on Netflix also

I really enjoyed the first season - perfectly executed British village comedy. However, that theme song is wearisome for binge viewing...
by Allixi
Mon Feb 05, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Can/should we buy this much house?
Replies: 9
Views: 1445

Re: Can/should we buy this much house?

To paraphrase the Matrix Reloaded, "this is the nth time we've had this question asked, we've become exceedingly efficient at it." I don't see any information about the commutes. Is one half an hour longer than the other? That'd make a great deal of difference to me. Yes you can afford it, but you m...
by Allixi
Mon Feb 05, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 10452

Re: How risky is Med school student loan debt?

I see lots of posts from Docs on this site with mounds of student loans, and following that mounds of income. How many people end up saddled with 150k+ debt but miss out on the high income jobs afterwards? Depends on where you go to medical school. If you go to a U.S. MD school, essentially zero, p...
by Allixi
Sat Feb 03, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 10452

Re: How risky is Med school student loan debt?

As others have said, as long as a medical student matches in to a categorical residency and completes it, things will be generally OK. You can't always control your level of debt. Med school is getting more competitive all the time. Maybe you're only accepted to one or two schools that costs 60K a y...
by Allixi
Thu Feb 01, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 74280

Re: Netflix, Your Current Favorite Show

Recent watches: Black MIrror season 4 - probably the best series on Netflix. Often great, always interesting iZombie - episodes are very formulaic when binged, but surprisingly smart and non-cliche'd writing Dark - felt too much like Stranger Things at the beginning, got interesting towards the midd...
by Allixi
Wed Jan 31, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 10452

Re: How risky is Med school student loan debt?

It happens, not as often as with law students. It might just be kind of a sad situation: http://notadoctorjustamd.blogspot.com/2015/03/not-doctor-just-m.html?m=1 Or truly tragic: https://www.thestar.com/news/canada/2017/06/17/tragic-case-of-robert-chu-shows-plight-of-canadian-medical-school-grads.html
by Allixi
Thu Nov 30, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5670

Re: failing at hobbies and leisure

Agree that the first year out when you aren't presenting to anyone is scary. You will read alot about your job. Depends on the specialty. OP might become a hospitalist, who is just a glorified resident. My last year of residency, I wished I could round on my own without the attendings. What will in...
by Allixi
Sun Oct 22, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 6109

Re: Paying for medical school for son?

Massive debt is one of the factors pushing med school graduates towards high-salary specialties. This probably makes healthcare in general more expensive for everybody. It may be that your son would have really enjoyed being a primary care/family doctor, but with 400K of debt is forced to become a s...
by Allixi
Tue Oct 03, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 3370

Re: Help with private investment opportunity

We are longtime friends with one of the main founders, and he is doing it as a favor. This is a good reason not to invest. If the investment fails, you may lose the friend as well as the money. It is also much harder to objectively view the investment. I think the risk of that is fairly low. OP sho...
by Allixi
Sun Sep 24, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please help physician newbie to investing with intention
Replies: 10
Views: 1474

Re: Please help physician newbie to investing with intention

155K salary is really low for a (presumably) full-time position. I think your situation will improve automatically as your salary and savings rate increases. I also concur with just paying off the student loans. No reason to keep them around. 5K a month in discretionary spending seems high for a sin...
by Allixi
Sun Sep 24, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 10018

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

If availability at all hours, quick response to questions/concerns, or having long chitchatty conversations are important to you, then look for a direct primary care or concierge/boutique practice.

That matters much more than a PCP's level of training or expertise.
by Allixi
Fri Aug 11, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 5585

Re: Toyota Camry Repair Priorities

~$800 for parts ($190/strut x 4) and ~$550 for labor, plus a few miscellaneous items plus tax.

This is from a shop that has very good reputation/reviews.

I haven't noticed any bad shaking or difficulty steering thus far.
by Allixi
Fri Aug 11, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 5585

Re: Toyota Camry Repair Priorities

I'm in a similar boat - 2001 Camry, 123,800 miles. Got an oil change last week and the auto shop told me the struts are worn and should be replaced.

Estimate (parts and labor) for replacement and various other services - $1500! :shock:
by Allixi
Wed Jul 12, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Wisdom Teeth Removal: Any experience?
Replies: 17
Views: 1309

Re: Wisdom Teeth Removal: Any experience?

What is it like to get your wisdom teeth removed? 1. Does the procedure hurt? 2. Did you just get local anaesthetic? 3. Were there side or after-effects? 4. How old were you at the time? 5. Any tips if you have this done? 6. What if they are not impacted? Thanks. 1. There was more drilling, which w...
by Allixi
Wed Nov 09, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 3411

Re: Considering a 10% down vs. doctor's mortgage

Ok, time for an update. First of all, let me say that I pretty much posted this topic in a fit of panic. I LOST MY HEAD, PLAIN AND SIMPLE. I currently make 205K as a base salary. With various bonuses the average is probably 240K, and with some extra shifts (can't really moonlight per se) it could be...
by Allixi
Sun Nov 06, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 3411

Re: Considering a 10% down vs. doctor's mortgage

Well, thank you all for your responses. I figured it would be like announcing I'm about to go commit a crime :D I've read plenty of these types of topics on this forum; it is a new and interesting experience putting one up yourself. I think the hardest part is getting my family to believe that we ju...
by Allixi
Sun Nov 06, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 3411

Re: Considering a 10% down vs. doctor's mortgage

No she's not pregnant now. Moving while pregnant would be a hassle but not forbidden AFAIK. There is a cultural quirk that involves having another caregover move in/nearby for 1-2 months peripartum, which I don't think is necessary but I probably can't overrule. No need to discuss that here on this ...
by Allixi
Sun Nov 06, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 3411

Considering a 10% down vs. doctor's mortgage

Hey all, I'm planning to buy a house in the next year. I'm not especially enthusiastic about the process, but the wife and family are pushing me pretty hard. We currently live in a condo I bought 3 years ago that's in a good location and works well for the two of us, but would be too small if we had...
by Allixi
Thu Oct 27, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: classy way to tell colleague's "I'm leaving for the money"
Replies: 22
Views: 3160

Re: classy way to tell colleague's "I'm leaving for the money"

I say honesty is the best policy, just say you're going to make a lot more money. People can usually detect BS of that sort:

Image
by Allixi
Wed Oct 12, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Risk Tolerance: Dealing With It
Replies: 46
Views: 4403

Re: Risk Tolerance: Dealing With It

Can you perfectly control your behavior with enough rational thinking? Maybe, we'd all like to think so, but I think everybody on this board can acknowledge we're not 100% rational beings. Adjusting your AA is probably tinkering with the psychological aspect of investing in order to avoid even bigge...
by Allixi
Tue Oct 11, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 6253

Re: Is this ER bill normal (medical billing)

I'm not a medical biller, but wouldn't the encounter only cover the technical fees, and not the professional fees, which the OP is concerned about? OP, you could probably google "emergency professional fee levels" and find out more info than you ever wanted I get the impression OP is miffed that he...
by Allixi
Tue Oct 11, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 9109

Re: What podcasts do you listen to?

Revisionist History
This American Life
Planet Money
Pardon the Interruption
The Diane Rehm Show (only every few episodes, mostly the Friday news roundups)
by Allixi
Tue Oct 11, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 6253

Re: Is this ER bill normal (medical billing)

I don't know about the ED, but in medicine you typically bill for encounters, not based on time spent. The only exception I know of is in the ICU. When I do a complete admission and discharge on a pt, the billing software tells me it's billed for ~$385. ED billing amount is typically 2-5x higher bec...
by Allixi
Mon Oct 10, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wait to refinance until I switch jobs?
Replies: 3
Views: 651

Re: Wait to refinance until I switch jobs?

Some lenders want to see a pay stub, and not just an offer letter in order to give you the lowest rate, so you wouldn't be able to move beyond that point.

But I don't think there's any harm in starting applications now.
by Allixi
Mon Oct 10, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: My tax situation, looking for advice or for someone to take a look at it
Replies: 40
Views: 4109

Re: My tax situation, looking for advice or for someone to take a look at it

Did you take the standard deduction or did you itemize? What is "tax deductible healthcare"? I assume it's health insurance premiums/deductibles and not a Health Savings Account (HSA), in which case you can only deduct the amount that exceeds 10% of your AGI, not the whole $6200. At any rate, I thin...
by Allixi
Sat Oct 08, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Physician in need of help
Replies: 27
Views: 4130

Re: Physician in need of help

My specific questions are: 1. At my current income bracket, is it worth doing a backdoor Roth? 2. I was also looking into opening a Vanguard solo 401k as well but there is no brokerage option for buying EFTs or Admiral shares. Do you think I should just stick with my solo 401k with Fidelity and inv...
by Allixi
Sat Oct 01, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check-Up for Graduating Medical Resident
Replies: 3
Views: 371

Re: Portfolio Check-Up for Graduating Medical Resident

I can tell you've been through WCI's website already, sounds like you're doing all the right things already. :D You can try to refinance your loans again (not your wife's since she's aiming for PSLF) after you start your attending job. Surely you can get a rate lower than 4%, you can even use WCI's ...
by Allixi
Sat Oct 01, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 15477

Re: Beginner's guide to not getting con'd by Chase

I'm genuinely curious what sort of churning activity requires a CPC account? Do they turn a blind eye to manufactured spend? Ignore 5/24? Waive annual fees? Let you collect signup bonuses more than once every 2 years? They can't cancel your existing cards, I assume you already have the quadfecta and...
by Allixi
Fri Sep 30, 2016 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 15477

Re: Beginner's guide to not getting con'd by Chase

I find it hard to believe you met all the spending requirements organically as a truly frugal person. How much did the manufactured spend cost you? How about the amount of time it consumed? Do you even have an idea? Points/miles are DISCOUNTS, not cash money. Every week when I receive the coupon boo...
by Allixi
Fri Sep 30, 2016 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 7464

Re: A broker's response to 3 Fund Portfolio

1) Ask your broker to send you a listing of the portfolio and show hypothetical growth of a $10,000 portfolio over 5 years 2) Go to http://www.schwab.com/public/schwab/investing/accounts_products/investment/mutual_funds , find a fund that has outperformed it over 5 years 3) Ask him to give you his m...
by Allixi
Fri Sep 30, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 15477

Re: Beginner's guide to not getting con'd by Chase

I think you have seriously misplaced priorities here. Playing for Points and Miles is fine and all, but you gain at most maybe a COUPLE thousand dollars a year (admittedly tax free), while prudent investing adds up to HUNDREDS of thousands over time. If you've already been approved for Chase cards (...
by Allixi
Fri Sep 30, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Advice
Replies: 34
Views: 2606

Re: 403B Advice

Generally speaking, you should max out any 401k or 403b, as long as: 1) it doesn't compromise your emergency fund 2) you don't have high-interest credit card debt or loans you could be paying off instead This is especially true if there is any matching contributions by your employer. There's nothing...
by Allixi
Fri Sep 30, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: MMM Lecture at the WD Summit [Mr. Money Mustache]
Replies: 58
Views: 8292

Re: MMM Lecture at the WD Summit [Mr. Money Mustache]

Of course MMM uses exaggerations and hyperbolic language. It's a motivational tool, and it's more fun to read. Do you begrudge personal trainers or drill sergeants for using the same approach? There are plenty of other finance blogs (including fellow Bogleheads WCI and TFB) who advocate for a more b...
by Allixi
Thu Sep 29, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: FBIOX is killing me. [Fidelity Select Biotechnology]
Replies: 48
Views: 5658

Re: FBIOX is killing me.

You've already bought high, do you want to sell low to lock in your loss? Theoretically, you should be selling FCNTX to buy more FBIOX. It might sound crazy, but we'd tell you to do the same thing with a Three-Fund Portfolio. Sell your (relative) winners and buy into (relative) losers - that's rebal...
by Allixi
Thu Sep 29, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: MMM Lecture at the WD Summit [Mr. Money Mustache]
Replies: 58
Views: 8292

Re: MMM Lecture at the WD Summit [Mr. Money Mustache]

With MMM i get the feeling its easier to be poor with a lot of money in the bank... Yep. Like its easier being ugly if you have a beautiful girlfriend. It's also easier being ugly with a lot of money in the bank too :wink: I think it does undermine MMM's message once you find out he makes $400K/yea...