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[StarTrekDoc]

This is the treadmill you're on and road to burnout if not careful.

You're only a few years out and have 20+ years ahead of you. ...

[StarTrekDoc]

They do that at Kaiser, right?...

[StarTrekDoc]

Start dropping non face-to-face billing; we have. Either that or have the CEO make an appointment/video visit to review if any E/M involved which sounds...

[StarTrekDoc]

OP there's no wrong answer. Just save dollars. The questions that make a difference.

Does your crystal ball anticipate RMD issue during...

[StarTrekDoc]

Moms/Pops office? Not an issue. I was barely 10 yo when my aunt put me in the cashier's checkout of their bodega in Brooklyn -

We matched...

[StarTrekDoc]

Welcome!

Sounds like you'll have plenty of funds coming online with student loans in the rear mirror.

?: She going back to...

[StarTrekDoc]

I see most of these nonop physicians embedded in surgeon groups be structured as an salaried employee for the group with proper incentives for productivity....

[StarTrekDoc]

Really depends on your system which usually has a much higher threshold than private practice...

[StarTrekDoc]

Are you buying new house or refinancing?

If refi- just go get best rates and look at all junk fees to make sure clean offer.
...

[StarTrekDoc]

If we ALL did this, yes. However, unfortunately burritos is 2 SD outside the norm. Large scale adoption biking to work even in SoCal is a pipedream....

[StarTrekDoc]

Some posts makes one think this.

OTOH quite a few docs do have similar opinions in many of his threads so I'm not so certain it's coming...

[StarTrekDoc]

People have short term memories. The sustained low rates since 2010s have spoiled the current new housing buyers. No one remembers the 70s....

[StarTrekDoc]

This is what we have. A taxable mortgage fund that's separate accounting to the retirement fund. It's a bit more conservative and at moments notice...

[StarTrekDoc]

It's both $ and everything else.

Yes we need a grid. Power companies clearly want more of the pie by not crediting appropriately and...

[StarTrekDoc]

Absolutely true. Swap resources!

Yes, the ROI is 3-5 years depending on size of rooftop and battery. That's on a system that's warrantied...

[StarTrekDoc]

Cause energy companies want to charge transmission fees and get tons of dollars there. Over half the cost is transmission, not generation.
...

[StarTrekDoc]

Rooftop solar really helps. Add ev to v2l for evening support. Residential homes will be mostly covered. Then rest of grid to support balance load,...

[StarTrekDoc]

House of god.....oldie but goodie. That's dating yourself 😁

[StarTrekDoc]

We too relocated to our frequent vacation destination . The question you maybe wanting is sell your vacation home after two years and reap the primary...

[StarTrekDoc]

I do believe a bellwether would be Las Vegas. Lake Mead is dangerously close to shutting down Hoover dam and watch LV real estate prices - first condos...

[StarTrekDoc]

Yes. ...

[StarTrekDoc]

Lower Colorado river basin at the very least....

[StarTrekDoc]

Ha; no doubt; real big snakes

What used to be thought crazy, is now annual roundup to mitigate invasive. No longer is it gators in pools...

[StarTrekDoc]

Someone mentioned pac nw. Thats reasonable for many along with water rich TN valley area.

I like Socal coastal and as desertification occurs,...

[StarTrekDoc]

More to it.

Woman ownership was a rarity -- hence Chris Steak house initially.

Heck, anything outside of anglo-saxon male's...

[StarTrekDoc]

Soonish....which timeline though is uncertain....

[StarTrekDoc]

Most reasonable people is wind solar and hydro and thermal.

clean ..above and throw in nuclear.

FF. Coal, lol, natural gas...

[StarTrekDoc]

If Texas has both a negative energy pricing and grid failure risks....that's on Texas poor handling on their sole state energy policy and...

[StarTrekDoc]

None that I see unfortunately. Both sides of the aisle only getting more polarized by letting their extreme view driving unrealistic conversations. ...

[StarTrekDoc]

Practical folk make practical decisions.
Flip the base: Hydro, solar and wind AND nuclear for the base load.
Modernize grid to allow for...

[StarTrekDoc]

For us, the USA, we are blessed to have abundancy of rich resources and lots of land. What we lack is political fortitude to gather together to make...

[StarTrekDoc]

I wouldn't mistake poor planning and sleeping with the enemy to ability to leverage clean energy and renewables to provide national security AND a future...

[StarTrekDoc]

the business will know what the copay requirements are since they have the contract. One collects the copay at time of service.

The contention...

[StarTrekDoc]

When we reached our ISP goals for real state holdings, we started paying down those mortgages and now completely income generating machines. That happened...

[StarTrekDoc]

Depends on the cashflow timing and rising rates. HELOC is a floating line of credit; if you're doing a one-time improvement and cashflow to 10-20 years;...

[StarTrekDoc]

I know you're not naive and know trying to accomplish by showing something that's palpable and undisputable and directly linked to the same tailpipe emissions...

[StarTrekDoc]

One travels with the other. So you saying no co2 reduction occurred or going to take road that we don't know that?...

[StarTrekDoc]

Takes longer to stink up the place and make it FOS though. The impact of ICE vehicles is not insignificant.

Remember that 2 week pause back...

[StarTrekDoc]

Something we can replace rather easily and have control over ourselves, yes. Conversion from ice to ev. Just like we transitioned from regular to unleaded....

[StarTrekDoc]

For large cash infusions at this time, if you're in the. Acculumation phase, would start identifying rental properties. To leverage buy.

...

[StarTrekDoc]

Consumption simply won't go away. So that means developing something better or more efficient than current fossil fuel burn. Ice cars is certainly...

[StarTrekDoc]

We have several deactivated ones already. Wouldn't be a bad idea but still nuclear remains toxic in public eye at the moment...

[StarTrekDoc]

Yes parts of central valley California is again barren due to lack of senior water rights and the ground water table diving low. Parts of sinking several...

[StarTrekDoc]

I would stay away from ut,nv,az. IMHO.

[StarTrekDoc]

Think about this -- ibonds will do better than paying off the mortgage at the moment.

Stocks at a 20% discount already. Housing market here...

[StarTrekDoc]

It was much more than that too.......

[StarTrekDoc]

About 50% of our clinic remains covid virgins 🤪🤩😍

[StarTrekDoc]

Find a fund ETF that's lower than the current one. More shares!

[StarTrekDoc]

Gads -- so bitcoin is: say a 50 character string that's unique and of public record attached to that unique string --- There's some type of ledger...

[StarTrekDoc]

That's probably a reason for the 0.75 increase today and probably next month to get ahead of the Oct/Nov timeline....

[StarTrekDoc]

Biggest changes with the partimers -- either near retirement or dual income families -- that simply hung it up. That, combined with normal attrition,...

[StarTrekDoc]

Kamban hit it on the nose. Cash flow and AR are primary issues to any business. The smaller the entity, more important is to keep first going and latter...

[StarTrekDoc]

Bond fund gains upon sale wiuld be the same too, not just ETFs.

If your ISP calls for bonds and you're in high taxableb state, do it. ...

[StarTrekDoc]

Never owned any crypto. So tell me how cold storage is any different from owning physical gold in a vault?

One reason I never bought gold...

[StarTrekDoc]

What rate? Prime? 10 yr 30 yr? or Mortgage rates: 15 yr v 30yr fixed?

30yr fixed was ~8% back in 2000 when we started our house journ...

[StarTrekDoc]

Yes, that's the creme brulee chaser...

[StarTrekDoc]

So is it the hospitals responsibility.to have a service to accomplish this medical coverage adequately? If so, the hospit is failing.

Don't...

[StarTrekDoc]

Glad to see. Curious question then, unless you're heading up a committee or something to prompt such an inquiry....

[StarTrekDoc]

Don't know if midlife crisis or Kaiser pissing on you or specific dept.

Know this, unless there is a residency program in place, hospitalists...

[StarTrekDoc]

Medicare would disagree with that management 🤪...

[StarTrekDoc]

Other than a large carbon footprint, I'm good with it.. Yolo, with my crestor of course...

[StarTrekDoc]

Welcome to forum.

I do that...take my crestor with my Ruth Chris steak 🤩😍...

[StarTrekDoc]

We negotiated either or option (pension or straight contribution) to reflect the spectrum of residents we had from three years to seven+ years. This was...

[StarTrekDoc]

Daughter mentioned $8 gas in the SF Bay area.

For us, not an issue; going up to Disneyland today (with the EV).

For...

[StarTrekDoc]

Medicare didn't anticipate the costs of all the procedures we do after 65.

The number of joints and stents along with needless surveillance...

[StarTrekDoc]

We left the comforts of Bay Area with 2siblings, 2 sets of grandparents and 4 cousins for San Diego.

Both sets of Grandparents ended following...

[StarTrekDoc]

The average citizen doesn't, and that's the trouble. Politicians and talking heads of all sorts throwing 'science' all around vs simply do what pharma...

[StarTrekDoc]

Politics, not science. don't mix the two; it's unhealthy -- many unvaxd learned that the hard way in 2021.

Use points -- same cost ...

[StarTrekDoc]

Saved me $200

[StarTrekDoc]

Absolutely. Hospitals LOVE to lament that teaching residents is an expensive endeavor -- it's not. It's actually quite profitable.

Power...

[StarTrekDoc]

I do believe it's on the scale of most here saying they have experienced real hunger and food scarcity for their family in providing the next meal and...

[StarTrekDoc]

I'm pretty sure we know what type of racism we are talking about and experience.

Just to remotely point out benign systemic racism folk face...

[StarTrekDoc]

Whatever helps one sleep at night -- that's the answer IMHO. Life too short (yikes!) to worry about it. Live long and prosper though. Expired policies...

[StarTrekDoc]

https://www.cbpp.org/research/federa...tax-dollars-go

...

[StarTrekDoc]

If you need Term Life insurance payout to balance this. are you technically FI? Perhaps Lean FI; but if you die, really does that matter if lean FI...

[StarTrekDoc]

As an Asian male with a college daughter in california schools, am keenly aware of the overrepresentation issue and that's a whole different subject matter...

[StarTrekDoc]

Exactly. Back then Congress was at least functional and no such thing as an Omnibus bill -- WTF is that? single budget bill - crazy.

Another...

[StarTrekDoc]

True; some of this can and will expand by osmosis. At that same time, I've been at this for 25 years and we were 50/50 women class at that time. 25...

[StarTrekDoc]

Generally true. It levels the huge playing field of large company vs 'the little guy'.

Industry barons of yesterday and today show what...

[StarTrekDoc]

Great points MPMD and Larry Ragman

Too much of a good thing can be bad. Everything in moderation, right?

I'm all for leveraged...

[StarTrekDoc]

Sorry to hear.

-Coinfection is coming back again much like early 2020 since folk are mingling a lot more and not isolating even when sick....

[StarTrekDoc]

To each their own.

Like Savedfpdoc said, some folk are more transactional. Kaiser it is then....

[StarTrekDoc]

The resident unions I've seen and watched all have had very positive responses and outcomes. Of course I'm biased as was a union rep during residency...

[StarTrekDoc]

I didn't realize which party is cutting these insane pork barrel as I see it both were. All I knew it was $5+T spend and always thought of that as US...

[StarTrekDoc]

Those connections do provide an underpinning for future more indepth conversations. Sure, not necessarily essential; but also allows context in situations...

[StarTrekDoc]

Different levels of Autopilot. What are you asking about?

Our Y has basic - works like supercruise. awesome highway driving. ...

[StarTrekDoc]

Level 1- 110V - 1.2kh charge per hour usually. That roughly translates to 3-4miles an hour depending on your vehicle and driving habits.
Level...

[StarTrekDoc]

Exactly.
For properly run systems, salaried can be quite effective, and Kaiser is a good reflection of that. Higher throughput schedule that's...

[StarTrekDoc]

For those not invested in their patient's well being perhaps or for those not invested, not properly incentivized to doing the right, proper things....

[StarTrekDoc]

Nice to see FI near retirement articles. Finding the balance post FI and post retirement is part of my anxiety too and striking the right glidepath....

[StarTrekDoc]

yes, I do. It's passing the buck since we didn't account for a decrease spend to balance the cuts. We did creative accounting as usual....something...

[StarTrekDoc]

I would say that our economy from covid didn't need that huge of a preventative injection. The first bill, sure, not an opponent to throw a lifeline....

[StarTrekDoc]

QUOTE=Turf Doc;n337658]

Are you against tax cuts (and TCJA for ex) because kids and grandkids have to pay for it?
[/QUOTE]
Yes....

[StarTrekDoc]

Yeah, just SUV options - ID4 more in the Niro crowd in space and dollars; but an option....

[StarTrekDoc]

Yeah they did a pretty good job on the styling and maximized the backyard space. The photos really expanded the views nicely without distorting it....

[StarTrekDoc]

I'm all for fiscal conservatism and favor it (we're a Financial Forum after all, right!?!). Said all along that our kids and grandkids are going to paying...

[StarTrekDoc]

Id.4 is another option....

[StarTrekDoc]

You mean in an rvu production model. If your were salaried, would it be so transactional?...

[StarTrekDoc]

Okay got FSD yesterday despite having a driving score of 92

And it drives like a newly permitted teen - of course!

Reminds...

[StarTrekDoc]

Patient choice and system policies drive a lot of how we see patients than the physician.

Like almost all sectors of work -- 80% of things...