Search Result

[jbmitt]

DW and I are similar ages to the OP with similar combined incomes and family units. She didn't do a fellowship, so we've had the benefit of a few more...

[jbmitt]

DW got loan payment assistance in excess of her student loan amounts. Initially, they made it seem like you would have to show proof of loans. In practice,...

[jbmitt]

Many insurers offer some sort of ‘inflation guard or protection’ so they’re adjusting the insured value. A good agent will run a replacement valuation...

[jbmitt]

I wasn’t familiar with Kitces. Thank you for sharing. I thought it was a comprehensive and researched article. Hopefully their other content is too....

[jbmitt]

Yep. We’ve also got the Costco card for Costco and gas station purchases.

I carry a couple of premium cards, but I typically pay for meals/travel/groceries...

[jbmitt]

Many adjacent municipalities have some sort of reciprocal agreement or offset for taxes paid. I was taxed at different rates where I lived and worked...

[jbmitt]

There is also a substantial cost to develop a medmal claim to take to trial and verdict. This is both for the plaintiff and defense.

If...

[jbmitt]

We’ve never used SOFI because they’ve never been as competitive as others on rate. Your experience is also another strike against them in my book.

[jbmitt]

We were just about to refi with them as well. I thought they were competitive on rates. I'll PM you

[jbmitt]

We used points accumulated via Chase to book United Polaris Class lay-flat seats from Denver to London. The actual redemption was much better than the...

[jbmitt]

Is LadyGeek the mod? I’ve taken issue with some of her moderation.

[jbmitt]

My wife and I have not co-signed on each other’s loans because I don’t think it’s appropriate that in the event of a tragedy the other one of us...

[jbmitt]

My background has been product development and claims for several of the largest insurers.

Amica has a very solid reputation and is better...

[jbmitt]

This is correct. When I was an adjuster, I unfortunately ran into this situation too often. There were lots of denials and upset neighbors.
...

[jbmitt]

I agree with this. I'm a member there too, and there are a number of dads in similar roles. After the last move, I didn't go back to work but pursued...

[jbmitt]

We've had an Ascent Touring for about 18 months. It's served us well. I know there have been some folks with issues related to squeaky brakes, transmissions,...

[jbmitt]

I'd encourage you to continue renting for a while. Finish your private, earn you instrument rating, learn the commercial maneuvers and then decide if...

[jbmitt]

I presume you’ve paid CarMax the fee to move the car from a different location but can still back out on the actual purchase?

You can afford...

[jbmitt]

The gap that you’re referring to is known as the attachment point. That’s where the umbrella policy attaches to the underlying policy.
...

[jbmitt]

We have a couple of Subarus. Newer Ascent and an older Impreza. The Impreza has had a few minor repairs but has been reliable.

The earlier...

[jbmitt]

This changes my opinion. I think this does give you significant leverage. How does your organization do compensation? The one size fits all approach...

[jbmitt]

I got in TurboTax. It prompted me. In looking at the link, I think 2020 is more favorable than 2019 for our own situation.

[jbmitt]

Another vote that they lost money on you. With benefits, overhead, staff, acquisition costs they’re still in the red on you.

Don’t overplay...

[jbmitt]

That’s good advice. For named perils - the burden of proof is on the customer to prove that the cause of loss is covered. For all risk - the burden...

[jbmitt]

It’s been a few years since I adjusted, but I recall that NY is a pure liability state - meaning you can collect for the percentage that you’re not...

[jbmitt]

DW is a younger attending, so our number used to be $500 or more and we’d discuss it he purchase ahead of time. More recently we’ve gotten away from...

[jbmitt]

We have a 2020 Ascent and have been happy with it. We purchased it after previously leasing a RDX. Consumer Reports was pretty critical of it. It’s...

[jbmitt]

Yes, this is correct. My wife and I recently did this. We each have a 529 with ourselves as the beneficiaries. The process of switching to our daughter...

[jbmitt]

That would be a difficult product for an insurer to underwrite without access to your speciality and medmal coverage. It would also be priced accordingly...

[jbmitt]

I don't have a post COVID data point, but I know that BankersTrust in Iowa and USBank offered them....

[jbmitt]

PenFed usually has good rates. We recently refinanced our car loan for a better rate. There were bonuses for the loan and checking/savings accounts....

[jbmitt]

I think you owe the non-refundable retainer back. Prior to accepting a new case, most attorneys do a conflicts check to ensure that they can take the...

[jbmitt]

Good to know, thank you. We refinanced a car loan to PenFed, so I'll took a look there. I've looked at Costco as well and their vendors have spammed...

[jbmitt]

I'm also curious about people's experiences as I begin the refinance process.

[jbmitt]

I'm not following what you think you can deduct as a partner and not as an associate. Commuting miles aren't deductible, I believe it's only if you are...

[jbmitt]

That sounds like an emotional response rather than a logical one. Your analysis doesn't include the *likely* savings in premiums on the HDHP as well...

[jbmitt]

I’d think there’s a benefit to the (soon to be) former practice knowing his tail is paid. If for some reason he didn’t obtain tail coverage, there’s...

[jbmitt]

Have you considered rolling over your residency 401k to your attending 401k? Does your plan allow for inservice distributions? If done this year, you...

[jbmitt]

The sales rep is selling the policy, where as a claim adjuster would be making the interpretations according to the policy. UM/UIM coverage through your...

[jbmitt]

Agreed. Sounds sketchy to me. Most liability policies will carry exclusions where there could be substantial gaps in coverage. If the partner is working...

[jbmitt]

Went the Tiffany route. The ring got bigger and more expensive because I waited too long. Something about the tastes of residents vs. attending physicians....

[jbmitt]

We’re in the market for just a coffee maker. The Moccamasters look cool, for someone who has never used one or had coffee from one, what separates...

[jbmitt]

I worked as an adjuster for a few years and saw that anything can be repaired. There are some damages that shouldn’t be repaired. I wouldn’t put my...

[jbmitt]

Very good point. DW is dealing with this....

[jbmitt]

I routinely pay our credit cards early if I’m in the app verifying purchases. It reduces that amount of the autopay and spreads the monthly statement...

[jbmitt]

Very cool to have been helped by a US senator or even receive personalized birthday cards.

Our state senator shares a property line with...

[jbmitt]

I served on a jury trial in June. I didn't make an effort to get out of it. Voir dire was one day and the trial and deliberations were a second day....

[jbmitt]

A homeowners/renters/umbrella policy would cover the liability portion of any accident involving your bike. A bike would not meet the definition of a...

[jbmitt]

Not a physician, but I worked for an organization where the true up was tied to employment on a certain date. That may or may not correspond with your...

[jbmitt]

Premises liability is a big deal too....

[jbmitt]

My only comment is for your wife to be cognizant of her residency classmates who cover for her during her maternity leave. My wife had 5 of her 8 classmates...

[jbmitt]

Have you considered having any of your items packed for you, loaded or unloaded, or any additional vehicles shipped?

We’ve made two big...

[jbmitt]

Good luck with the process.

My wife is an OB and is familiar with the REI component. We also have close family who has had 2 kids via IVF....

[jbmitt]

It’s a bad idea to lower your limits. You have earning potential as an attending physician - therefore in the eyes of a plaintiff attorney you’re...

[jbmitt]

Is it presumably a 15 year lease? I’d imagine that solar technologies will continue to get better and cheaper.
I agree that at a minimum, the...

[jbmitt]

Another vote for Costco or DiscountTire. I’ve purchased Bridgestone and Michelin tires from Costco on sale, the only brands they offer. DiscountTire...

[jbmitt]

Have you checked rentals through Costco travel? I’ve found them to be very competitive on price. Some rental companies will pick you up. Could you...

[jbmitt]

DW is an ob and in her 3rd trimester. She’s planning to work up until her due date, unless she delivers early. She’s taking weekend and night call...

[jbmitt]

Yes. I’m aware that the minor league teams are affiliates with separate ownership. However, many of the player and coaching decisions are dictated...

[jbmitt]

Sone guys make good money in the minors by being drafted high. Most make very little. This years draft has already been decimated and 1000s of players...

[jbmitt]

The players earned those while being underpaid during their seasons under team control and arbitration. The owners agreed to the salaries or the arbitration...

[jbmitt]

I side with the players. It does seem like a case of ownership privatizing the profits and socializing the losses. It doesn't seem like ownership negotiated...

[jbmitt]

Cincinnati is reputable. We’ve insured with them and they have a policy targeted towards HNW individuals. No personal claim experience with them....

[jbmitt]

As I recall, his wife is still a practicing physician. He’s been pretty open about her cancer treatment and caring for someone in the audience at one...

[jbmitt]

I’ve been happy with PenFed. I think their rates for new and refinance are comparable or better to any of the dealers I’ve worked with.

[jbmitt]

I'd want more details about the wreck and how it was repaired. The quality of repairs is all over the place. If it was done through a reputable body...

[jbmitt]

That isn't entirely true. Heuberger Subaru https://www.bestbuysubaru.com/ in Colorado Springs is well known as the #1 volume Subaru dealer in the country....

[jbmitt]

Is it a Subaru? I know they have 0% for 63 months. TrueCar gets a fair price without much hassle, you can generally do better. The dealer does pay...

[jbmitt]

Do you need umbrella insurance? Probably not. My wife didn't have it in residency. Is it a good idea to have it? Yes.

Having the car...

[jbmitt]

Exactly. Good, Fast, Cheap.. pick 2 of 3. To set-up a captive correctly and avoid problems down the road, there is a big upfront cost....

[jbmitt]

Yes our umbrella is endorsed with UM/UIM. It's not a significant cost. UM/UIM not only covers medical bills, but lost wages, pain & suffering. ...

[jbmitt]

I'd imagine that most state level politicians don't know much about insurance and it's spitballing to try and help their constituents. With how insurance...

[jbmitt]

Yes, it’s very common to involve an accountant in the claims handling. Another good example of a tornado being physical damage with the loss of utilities...

[jbmitt]

That stuff is all addressed. There are either specified causes of loss meaning only specific items are covered or all perils meaning everything is covered...

[jbmitt]

The policy is the contract. The litigation is over the definitions in the policy. I can assure you that the intent of most business interruption policies...

[jbmitt]

Utica is one of many regional insurers. AM Best usually publishes annual rating of both customer satisfaction and company strength as it relates to the...

[jbmitt]

My background is in large loss/complex insurance claims. Business Interruption or BI (not to be confused with Bodily Injury) has a place with most organizations....

[jbmitt]

Thats pretty accurate. DW is an OB, starting her 5th year as an attending and pays approximately $27/month per $1,000 of monthly benefit. We obtained...

[jbmitt]

I submitted applications for my wife. ~$90k remaining. I believe Laurel Road was quoting 5 year fixed at 3% and Splash 5 year fixed at 2.88%. We’ll...

[jbmitt]

I’d be most concerned that she apparently has little need for an emergency fund and would rather live at home and drive a leased luxury car. That’s...

[jbmitt]

I responded to your identical post on Bogleheads. There may be supplemental damages found on tear down not visible in the initial inspection and the rental...

[jbmitt]

Same. United has more frequent service at our local airport and non-stop service to a frequent destination. I still prefer Delta, but we often fly United....

[jbmitt]

I don’t believe that the Chase Amazon points are Ultimate Rewards points. There are separate Amazon redemptions. That’s why I asked the poster how...

[jbmitt]

I ran into similar problems with being ineligible for a Roth. I made the traditional IRA contribution followed by the Roth conversion the next day. ...

[jbmitt]

What sort of high value items? There are typically low sub limits related to computers, tools, antiques, furs, art, jewelry, fire arms and cash (among...

[jbmitt]

With the Delta AmEx you just have to have the card for bags. With United, you have to purchase tickets with the card.

I prefer the Delta...

[jbmitt]

Can you walk me through the process of transfer the Chase Amazon points to the Chase Sapphire Reserve? I’ve accumulated Amazon points, because using...

[jbmitt]

I’m a pilot but haven’t justified owning a plane. My wife is the physician and has several partners or partner’s spouses also connected with aviation....

[jbmitt]

Of course he told everyone he’s a lawyer... they usually do. If only he could treat himself and he wouldn’t have to fill out any forms.

[jbmitt]

I like it.

[jbmitt]

We’re in Billings... I’ve used local brokers PayneWest and Leavitt Great West. Both have had access to more premium property and casualty insurers.....

[jbmitt]

DW looked at and was offered at several private OB/GYN groups. Frankly, their financials all scared me. I'd want a good idea of what I was buying into...

[jbmitt]

My wife is an ob/gyn and her group does $750/12 hour shift for in-house weekend call. Her group does have some unpaid day calls included in their base...

[jbmitt]

Once they are entirely independent and self sufficient. Otherwise a savvy attorney is looking for negligent entrustment. Essentially that you knew better...

[jbmitt]

No. I speak as a former adjuster. A good plaintiff attorney will find a way to bring in the physician with ‘deep pockets’ as a target defendant....

[jbmitt]

I don’t believe it’s an error. It’s interest on the $6k. I’ve had a similar experience but don’t know whether there is anything to be concerned...

[jbmitt]

Thanks for posting this. I wondered about the additional text box when I logged in.

[jbmitt]

Umbrella policies geared towards high net worth folks typically can be endorsed to provide uninsured and underinsured coverage. It is a common area that...

[jbmitt]

It isn’t as clean when browsing on a phone, but it’s a start....

[jbmitt]

If you do chose to insure your jewelry, make sure you have it covered for "mysterious disappearance". Theft coverage applies only if you can...