Search found 1263 matches

by obgraham
Wed Feb 06, 2013 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Asset protection strategy for taxable account.
Replies: 4
Views: 625

Re: Asset protection strategy for taxable account.

How about this: Just carry enough liability insurance, and your personal umbrella.

Although they often threaten, plaintiff's lawyers almost never sue beyond your insurance limits. It bites the hand that feeds them.
by obgraham
Tue Feb 05, 2013 6:55 pm
Forum: Personal Investments
Topic: Critique a 31 year old new doctor's plan
Replies: 56
Views: 6914

Re: Critique a 31 year old new doctor's plan

I'll have to have a look at EmergDoc's websites. Sounds similar to advice I've given young docs for a number of years, and which I in turn learned from the prior generation of docs. In short, nothing changes in the financial world of docs, just the numbers! It's always a mystery, but docs will piddl...
by obgraham
Mon Feb 04, 2013 12:07 am
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 50634

Re: What's your usual retirement day like ?

Earlier in this thread I had a little fun mocking myself in retirement. Reality is this: I spent my whole working life as a physician, doing the things I was trained to do. I was fortunate enough in my line of work to deal with thousands of folks having their babies, and I truly enjoyed it. In my of...
by obgraham
Sat Feb 02, 2013 3:42 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 50634

Re: What's your usual retirement day like ?

0800 Get up. Ablutions. Read online paper. 0900 Plan rest of day 0930 Revise plan 1000 Nap 1200 Lunch 100 Wander aimlessly, then waste more time on internet 500 What's for dinner? 600 Eat 730 Jeopardy 800 Do stuff I planned to but never got around to 1100 zzzzzz Repeat as necessary. No time for bein...
by obgraham
Thu Jan 31, 2013 6:22 pm
Forum: Investing - Theory, News & General
Topic: How should retirees make withdrawals?
Replies: 18
Views: 2412

Re: How should retirees make withdrawals?

Most everything I have is in IRAs. So I reinvest all my dividends and cap gains in the fund they are from. Right now my AA is S:40, B:40, Cash:20. I withdraw from the cash sector. Every 6-12 months I reallocate, and that replenishes the cash sector. Works for me. I know many don't keep anything in c...
by obgraham
Thu Jan 31, 2013 6:11 pm
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 21587

Re: How much to spend on a new washer & dryer

Valuethinker: That has not been my experience with Bosch in Europe Bosch appliances in the US are what you might call a "niche" product. For a starter they run three times the price of standard (formerly) US brands, so they appeal to a different buyer. Though I've no experience with them, I do have ...
by obgraham
Thu Jan 31, 2013 6:01 pm
Forum: Personal Consumer Issues
Topic: I've trained my wife well. (What stories do you have?)
Replies: 12
Views: 2426

Re: I've trained my wife well. (What stories do you have?)

Wives are definitely not trainable. Mine's been nattering about my same bad habits for 48 years.

(However, I'll admit that could mean that husbands are not trainable.)
by obgraham
Wed Jan 30, 2013 11:14 am
Forum: Personal Consumer Issues
Topic: Do I need a passport for Mexico
Replies: 38
Views: 7170

Re: Do I need a passport for Mexico

HueyLDWhy do doctors, dentists, etc. go out of the country to do volunteer medical work? We have a large % of uninsured people right here in the U.S.of A. and many desperately need help, especially for dental work. Is it because of liability concerns? Not Jeri, but as a physician I've done a number...
by obgraham
Tue Jan 29, 2013 10:46 pm
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 21587

Re: How much to spend on a new washer & dryer

The current washers and dryers, IMHO last nowhere nearly as long as they used to. Three years is all you can expect. And according to several repairmen I've talked to, the price you pay has nothing to do with longevity, nor does the brand name (most are built in just a few factories, none in the US ...
by obgraham
Tue Jan 29, 2013 7:31 pm
Forum: Personal Consumer Issues
Topic: Do I need a passport for Mexico
Replies: 38
Views: 7170

Re: Do I need a passport for Mexico

Getting back into the US will be difficult without a passport.

But you should get one anyway, because then I'll show you a bunch of other agencies that do overseas medical mission work -- I've been on about 15 of them. Dentists are in great demand.
by obgraham
Tue Jan 29, 2013 12:19 pm
Forum: Personal Consumer Issues
Topic: Scanning 35mm Slides and Color Negatives
Replies: 24
Views: 5219

Re: Scanning 35mm Slides and Color Negatives

As I stated above, I'm one of the "scan 'em yourself" crowd. But a question here for the "send 'em out" folks: Slides vary a whole lot in how they have survived the years in storage, especially Ektachromes. Some need color restoration, or contrast/brigjhtness adjusting. Many are best left as they ar...
by obgraham
Mon Jan 28, 2013 7:54 pm
Forum: Personal Consumer Issues
Topic: Do you use a branchless online bank, and why?
Replies: 37
Views: 3727

Re: Do you use a branchless online bank, and why?

Been using ING, now becoming Cap One, for 9 years. Always happy. 99% of my banking goes there. Not enough cash in there to worry about the rate or chase rates to another bank. I gave up on the big bank that has part of USA in its name because one hand never seemed to know what the other hand was doi...
by obgraham
Mon Jan 28, 2013 7:42 pm
Forum: Personal Consumer Issues
Topic: Scanning 35mm Slides and Color Negatives
Replies: 24
Views: 5219

Re: Scanning 35mm Slides and Color Negatives

I agree with Clearwater, but not fully. I use the Epson V500, found it to be an excellent scanner for slides, negs, prints. I'm on my second one, the first cra***ed out at 7000 scans. I in fact am just coming up on 10,000 scans -- 2/3 slides, others prints and negs. It is indeed a tedious task, but ...