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  • Dreamgiver Dreamgiver 
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    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    All my accidents (so far) have been caused by the other driver. First thing you call your insurance
    Company and let them know you were in an accident, what happened. They will ask you if you want to file a claim. I personally have always gone through the other party’s insurance and never had any issues getting a fair settlement. This means I declined to file a claim with my company but can always change your mind later if You feel the other insurer is not being reasonable. Process is usually easy peasy and you might get a little morenthat your car was worth. If you feel your car is reparable, you can also buy it back from the insurance company and get it fixed yourself. Insirance will still cut you a check, just a little less than what it would otherwise be. Car
    Gets issued a salvage title. I have done this before when I knew car was otherwise in good shape and was easy to fix. Got 4 more years out of it, until I got hit again.

    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Nope. If you are an average test taker I see no reason. If taking tests has always been a major hurdle, then I’d splurge.

    in reply to: Do you take board review courses? #245593 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Out of my class of 16 in residency, 3 did a chronic pain fellowship. One does OR anesthesia only full time in PP, one does half and half at academic medical center, one does pain part time in PP. Just a couple of observations you might already be familiar with. If the goal is 50/50 pain/OR anesthesia, an academic medical center might be your only viable option. That will come with a lower salary. Strictly speaking about income, the pain folks who do well are those who built their own practice and employ other people. Many of them, not all, are block jockeys. That’s how you make money. Unfortunately, a comprehensive pain practice is much more than blocks. PT, psych, behavioral specialists and such are needed. They cost money and don’t really bring much money in. That is why, in general, academic centers tend to have better chronic pain centers. I know many folks who do OR anesthesia and make more than chronic pain folks. Yes, that comes with nights, holidays, weekends, high acuity, deaths, and such. Payor mix, group structure, geographical arbitrage all play a role in the economics.

    in reply to: Pain fellowship #245454 Reply
    Liked by akmd
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    How much would internal moonlighting pay compared to this other job?

    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    It doesn’t fit your future needs. I’d pass.

    in reply to: Thoughts on a house #244816 Reply
    Liked by CordMcNally
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    No round headlights=no Porsche. That is some crazy price. My dream remains a post-996 model 911

    in reply to: Porsche Taycan #244303 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017
    Splash Refinancing Bonus
    Or you can do what Cosmo Kramer did in Seinfeld…install a garbage disposal in the shower and prepare food as you bathe. Kill 2 birds with one stone! Now you are saving more than a couple cents a month…perhaps a whole quarter. 

    Click to expand…

    Not with all the water waste from the commando 3000.  That high pressure sure is nice though.

    Click to expand…

    I bet it’s a lot harder to find a Bosnian selling black market plumbing supplies now than it was in the 90s!

    in reply to: Anyone take cold showers? #243941 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Swap the radio for a decent aftermarket one (Alpine or Pioneer) with Apple play and the like and swap the speakers with plug and play Infiniti speakers. Even premium audio packages from most manufacturers tend to be expensive and lowish quality.

    in reply to: New SUV – thoughts? #243939 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    I have had VTSAX for a while…all it kicks out every year is qualified and ordinary dividends, nothing else. This is from the many 1099s from Vanguard.

    in reply to: capital gains in index funds #243742 Reply
    Liked by CordMcNally
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    If you plan on keeping the car for less than 100,000 miles, they will all do. If you want something for longer, take the Subaru and the Mazda off your list. The 4Runner is a body on frame truck, with a few minor modifications it is a solid off road machine. This means it’s built like a tank, weighs like one, drinks gas like one, and will last a really really long time, 3rd row is kinda an afterthought so it’s cramped. Highlander is a very reliable run of the mill SUV. The V6 is not great on gas but it is silky smooth with nice power. It has a decent 3rd row, optional AWD. 4Runners hold their value so unless you go >6yrs old and >100k miles, you won’t save much. Highlanders can offer a better value off lease or such.

    in reply to: New SUV – thoughts? #243740 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Or you can do what Cosmo Kramer did in Seinfeld…install a garbage disposal in the shower and prepare food as you bathe. Kill 2 birds with one stone! Now you are saving more than a couple cents a month…perhaps a whole quarter.

    in reply to: Anyone take cold showers? #243733 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    I tried to move the thermostats on the water heaters down to the ECO setting and the next morning I received a nasty text from my better half. So big fat no here. I have been looking into getting rid of the 2 60 gallon tanks in exchange for one big tankless but the big upfront cost makes the savings negligible unfortunately, even long term, not to mention that even 1 repair would put you into negative territory.

    in reply to: Anyone take cold showers? #243632 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    I’d get a newer to you used car. Unfortunately Subarus are well known in mechanics’ circles for the very issues you are experiencing.

    in reply to: Should I fix old car #243478 Reply
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Yes you are crazy. You are timing the market. Usually it does not work well. I have acquaintances who did this when Trump got elected…have lost hundreds of thousands so far and are still waiting for the drop.

    in reply to: Asset Allocation, New Taxable Account #243056 Reply
    Liked by Peds
    Dreamgiver Dreamgiver 
    Participant
    Status: Physician
    Posts: 890
    Joined: 03/09/2017

    Some people use a private practice psychiatrist/psychologist and cash in order to keep things private.

    in reply to: Antidepressants #243004 Reply
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