iPod replacement for exercising

[StateOfMyHead]

You are probably right. Mostly cheapness and also an aversion to additional, unnecessary technology haunting me. Ideally wanted to continue with the small,...

[StateOfMyHead]

Congratulations! I'd also probably go with the ARM. You can always refi....

[StateOfMyHead]

Hilarious!...

[StateOfMyHead]

Problem solved, I will buy a used one on ebay.
CordMcNally I will re-try the arm band thing in the meantime. Thanks all. You guys/gals know eve...

[StateOfMyHead]

I can't really explain it. It feels bulky, annoying. Weighs me down on my 9 minute miles, lol....

[StateOfMyHead]

I don't like dragging the phone with me. I've tried in my pocket, the arm band thing and it just irritates me. Emergencies have crossed my mind but I...

[StateOfMyHead]

Any suggestions to replace my old iPod shuffle? I know I am behind the times but until recently it worked great when I run. I want something that sounds...

[StateOfMyHead]

If were ever in the position to have >10 yrs in cash I wouldn't care what the market is doing. You have won the game kind sir....

[StateOfMyHead]

Actually that about sums it up. I worded it awkwardly in hopes of getting more than the usual superficial answers to continue to DCA, which I do, and...

[StateOfMyHead]

I'm not well versed on the history or current market in Japan but the graphs from then as compared to now aren't looking too spiffy....

[StateOfMyHead]

You make good points and I agree that prices are what someone is willing to pay but the what someone is willing to pay changes particularly in the housing...

[StateOfMyHead]

Perhaps I blinked. To me that was a brief plunge before the market climbed to the stratosphere for what reasons I will never understand....

[StateOfMyHead]

The "things" you refer to are likely the key. It strikes me as odd that you were fine establishing your life and starting a family in the hometown...

[StateOfMyHead]

Are you planning to retire at 70 or is that just when you will start drawing from your stock market funds? I go back and forth trying to decide if my...

[StateOfMyHead]

Like the consensus notes I will always continue to DCA as there is no sure way to know what will happen in the short term but most surely the market...

[StateOfMyHead]

I was certain there would be a crash in 2020 that never came and while I think there is a buying opportunity now I have to wonder if the market is still...

[StateOfMyHead]

Really?...

[StateOfMyHead]

How do you guys feel about soliciting patient reviews? I've seen some that are clearly pushing it based on the large numbers and responses written as...

[StateOfMyHead]

Like physicians? I have seen more than a few excellent docs who didn't know when it was time....

[StateOfMyHead]

Your post is timely for me at just past mid 50s and someone who wants to wrap up my end of life situation to avoid the Christmas eve ED boarding for a...

[StateOfMyHead]

Some don’t feel they can afford to take chances later in life due to not having any wiggle room although at 60 I’d say this person has time. He took...

[StateOfMyHead]

This...

[StateOfMyHead]

20% real estate/REIT index fund and 10% bonds...

[StateOfMyHead]

I have no problem tipping generously at a full service restaurant when I’m getting carryout but I am tired of the requests for tips at places like Dunkin...

[StateOfMyHead]

I will not be a fat retiree, 3 mil +/- so its not that I don't need the money but I plan to be sit tight with 70% in stocks until 5 years into retirement...

[StateOfMyHead]

If the physician has opted out of Medicare which is not location dependent then patients are able to go to a boutique practice and pay cash. I try to...

[StateOfMyHead]

Ah makes sense. I was thinking about out of network boutique practices that don’t bill insurance at all but the doc might still round at hospital or...

[StateOfMyHead]

I also don't understand why Medicare wouldn't be happy people were paying for their own out of network services. Saves them money right?...

[StateOfMyHead]

My understanding is you have to totally opt out of Medicare or not take their patients or risk having to pay back any fees collected at an out of network...

[StateOfMyHead]

Absolutely and it sounded to me like OPs husband is trying to avoid being the average Joe. It also didn’t sound like they have kids they are uprooting...

[StateOfMyHead]

Perhaps I think your advice is "terrible" but instead of sharing that unnecessary tidbit I simply added my opinion and experience with real...

[StateOfMyHead]

I don’t believe buying low and selling high with real estate should be compared to timing the stock market. That said I don’t delude myself that I...

[StateOfMyHead]

Thanks Jim. Timely for me as I tend to think I should pick stocks which actually worked out ok and reinforces my delusion and have panic sold when the...

[StateOfMyHead]

Hi and welcome! One of my close friends is a vet and you will find many animal people here. Sounds like you will net around $450k from sale of current...

[StateOfMyHead]

Josh is generally one of my favorites since Jim started bringing in others to write. I suspect the disconnect here is because he is not a physician and...

[StateOfMyHead]

Appreciate the update. Disappointing on many levels....

[StateOfMyHead]

That is hilarious and not as I recall but my experience was in early 80s not 90s. The bank required similar documentation but without some of the extremes...

[StateOfMyHead]

Probably not as it was only a small segment that were going no-doc, technically low-doc, due to the hefty down payment required to get the proof of income...

[StateOfMyHead]

Approximately how many years is considered "the long term" with regard to total stock market index fund?...

[StateOfMyHead]

Because I was self employed my first mortgage was a No-Doc loan, anyone remember them? The rate was 7.5% for 15 years through a little neighborhood bank....

[StateOfMyHead]

Rates are still fairly reasonable for a fixed long term loan from what I’ve seen over the past 30 years. Americans are largely unwilling to delay gratification....

[StateOfMyHead]

She got COVID so how much of "everything right" did she do?
I wonder if there was a connection, she gets COVID and two months later dead?...

[StateOfMyHead]

Thank you for sharing this valuable insight especially the caution to resist pulling the trigger too early which is where I was leaning. One of my hospitals...

[StateOfMyHead]

Same thing I think. I don’t really get the appeal of those without the higher level of care options
....

[StateOfMyHead]

Have you considered a CCRC?
I have no interest in protecting inheritance and a strong aversion to presenting to the ED on a holiday weekend to start...

[StateOfMyHead]

I agree and remember both .com frenzy and housing bubble. Despite trying I am not able to understand the concept of crypto which further exasperates my...

[StateOfMyHead]

Agree with those who noted it has the potential to be tight. Also worth considering as those of us with decades into a career have experienced the atmosphere...

[StateOfMyHead]

If I understand correctly your limit is $10,000 per year so you can buy for whoever including self but can't exceed that amount....

[StateOfMyHead]

Ha, this cracked me up. I stopped mid sentence and thought wait I thought burritos was a dude....

[StateOfMyHead]

I'm currently in this situation and until they are willing to access the data that is in the system and less than 1 year old I will not be assisting at...

[StateOfMyHead]

This is unfortunate and not uncommon from what I have heard/seen with friends, colleagues of my generation who take what is offered. I was hoping the...

[StateOfMyHead]

I probably would put something in I-bond depending on your portfolio due to guaranteed 4.5% over the next year and re-evaluate at that point? I like the...

[StateOfMyHead]

We are not fat FI but if not for a need for health insurance or my aversion to tighten the belt we could stop now. This offers the luxury of tapping out...

[StateOfMyHead]

Yeahnoo do not ever ask the wife something you think will result in the look. I didn't realize you were in the sit on the bench at the mall holding her...

[StateOfMyHead]

Why can't wife fly business and everyone else coach? I'd imagine there will be plenty of family togetherness on the vacation once you arrive....

[StateOfMyHead]

The problem with waiting until you need to make a change, particularly when older and it is a matter of when not if, is that it often happens acutely....

[StateOfMyHead]

Skiing! Although I really miss the great pens the most....

[StateOfMyHead]

I'm sure working in ED has jaded me but I find it sad that so many lack the insight earlier in life to accept that at a certain point if we live long...

[StateOfMyHead]

It is OP's patient the minute they take on their care, via an office mate which is lousy but OP's patient none the less....

[StateOfMyHead]

It has been really nice for the past month but it looks like Europe is a mess so I guess only a matter of time before we are slammed again.

[StateOfMyHead]

Write another 30 days, document risks v benefits due to vulnerable patient that mother understands this is the last refill, need for antipsychotic protocol...

[StateOfMyHead]

Loved this article, look forward to the community comments. I looked around the new-build I finally treated myself to after living in fixer-uppers and...

[StateOfMyHead]

I got fooled once by his Tesla tale.

[StateOfMyHead]

For my own clarification REIT funds are best placed in tax advantaged plans correct?...

[StateOfMyHead]

Welcome! I’m generally leery of condos so may not have the best advice with that bias. It wouldn’t offer an impressive return which isn’t a deal...

[StateOfMyHead]

Yeah I'm sure but that really isn't the kind of thing I'd recommend offering up....

[StateOfMyHead]

If considering the likes I'm not feeling a true "consensus" that supports what the OP appears to have been seeking. The good news with high...

[StateOfMyHead]

If I read correctly there will be a move involved and maybe a new job for you? I'd be hesitant to buy under those circumstances regardless of the housing...

[StateOfMyHead]

If they aren’t on RVU and you both saw the patient I would take over the note and bill....

[StateOfMyHead]

It depends on the specialty but generally they know there aren’t many or any options to jump ship so those who are rooted in the area are a captive...

[StateOfMyHead]

As far as I know if your financing change doesn’t cost the seller more money or extend the agreed upon closing date I believe you can go with whoever....

[StateOfMyHead]

I screwed up your poll, sorry. I generally put 20% down, and voted for the amount I finance, doh!
For purchases I stay within an hour of my principal...

[StateOfMyHead]

I stay well informed of local contracts which btw are significantly higher than any of the wage estimator websites or surveys I have seen with my solid...

[StateOfMyHead]

I appreciate your line of thinking because things are overpriced right now and I feel it is wise to view your residence as an investment. In this example...

[StateOfMyHead]

I’m still not certain if VA loans are difficult but if they are that would be something VA should consider because as much as I would love to support...

[StateOfMyHead]

I haven’t experienced this before but I would imagine it is customary to have verified funds. In this instance there are also two realtors involved...

[StateOfMyHead]

Welp thought I'd add an update. It had 5 showings in 3 days and got two offers. VA offer was full price, attempting to contract as sight unseen but with...

[StateOfMyHead]

I didn’t know this but it doesn’t surprise me. What does surprise me is the lack of protective measures in a state with a significant percentage...

[StateOfMyHead]

I don’t know if they have changed in recent years but the $300 one I got from my dentist was thick, bulky and stuck to my teeth so tight it felt like...

[StateOfMyHead]

Thank you. I was thinking the same thing about govt loans and no preference except for the highest net with shortest time to close....

[StateOfMyHead]

Any recent experiences dealing with VA loan as a seller? My property is getting multiple contracts so I’m trying to weigh the pros and cons. I don’t...

[StateOfMyHead]

My primary residence is sacred. I’m all for taking chances and leveraging things I’m willing to walk away from but my home is not one of those th...

[StateOfMyHead]

Best news ever!...

[StateOfMyHead]

Over the past 5? years I am repeatedly amazed at the requests for coverage from residents who are moonlighting. They send cringe worthy group emails with...

[StateOfMyHead]

I keep reading stocks are on sale. Are they? Or are they just lower than they have been in the recent past which also happens to have been a highly unusual...

[StateOfMyHead]

Excellent topic and well written article although a missed opportunity to utilize the insight from a person of color as the author....

[StateOfMyHead]

I also consider that in the area where I have rentals the prices are so inflated right now that the rental income over the next few years would be a wash...

[StateOfMyHead]

For us the preference to be in a natural setting away from other resorts, urban area was second only to adults-only.

[StateOfMyHead]

If the contract is signed why can’t you refuse to accept the sellers request to change settlement date?

[StateOfMyHead]

We do too and have tried others in that area which were nice but the VIM is our favorite. It is reasonably priced with Southwest Vacations when they have...

[StateOfMyHead]

Ha! Literally lol'd, thanks man....

[StateOfMyHead]

Yeah me too, until this thread made me paranoid....

[StateOfMyHead]

Yes, I found him pleasant to talk to, efficient and knowledgeable....

[StateOfMyHead]

If you are interested in being a landlord it sounds like a great idea provided you have considered cost of wear/tear and these duplexs are relatively...

[StateOfMyHead]

Small solo practice so I use quickbooks....

[StateOfMyHead]

New accountant this year anticipating $750-900 which was the previous range. I perceive mine to be more complicated than I can handle with multiple W2s,...

[StateOfMyHead]

A) ^^This!
B) No in fact they did not and the two "covid psych" units in the state have closed so they board or after a few days are...

[StateOfMyHead]

One in the ED last week, asymptomatic screening test for psych admission....

[StateOfMyHead]

This is perhaps my favorite of all times. It tells a story, our story, with data. As others have noted Jim remains a large part of the draw so I especially...

[StateOfMyHead]

The thing about rent vs buying is if the person considering buying would purchase a sensible investment such as something below their means maybe ugly...