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What does "ER" mean to you?
Old 11-15-2015, 09:44 PM   #1
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What does "ER" mean to you?

So, on the wall in my local bar, I see this:

http://i.imgur.com/IG2ate7.jpg

Awesome!

Then I see this:

http://i.imgur.com/Uv5WxpK.jpg

I think Carmon and Dave are in this together, and it's not about the "ER" that I was thinking at first. This place has 72 taps, by the way, so even I could put two and two together to get a four letter word.
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Old 11-15-2015, 11:32 PM   #2
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ER to me means I can retire before I die.

At the moment, I may be terminally unemployed but it remains to be seen if I am retired.

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Old 11-16-2015, 09:03 AM   #3
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I didn't put the images in the OP correctly...


Then I noticed the neighboring plate:
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Old 11-16-2015, 09:35 AM   #4
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right this minute it means "Emergency Room", because that's where I spent Saturday (and about $3-4K). I am fine now, but slightly poorer. I am sure the memory will fade and ER will mean ...well, enjoying life.
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Old 11-16-2015, 10:04 AM   #5
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I tried to look it up with google and wandered thru lots of beer making sites. They are trying to make craft beer as fussy as wine. Not really that cranky about it. We just got two new craft breweries in town and that is great.
This am I look at it and it looks like they are just spelling be er! on two adjoining taps. maybe
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Old 11-16-2015, 10:16 AM   #6
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right this minute it means "Emergency Room", because that's where I spent Saturday (and about $3-4K). I am fine now, but slightly poorer. I am sure the memory will fade and ER will mean ...well, enjoying life.
May I ask why $3-4k poorer? Does your insurance cover most of it?
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Old 11-16-2015, 10:21 AM   #7
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You got it lemming. Glad you're enjoying your new local breweries. This is just a beer bar (Flying Saucer) where, if you try 200 different beers, you get one of these plates hung on the wall there. My plate says "BEER GAMIFIED!" because this "loyalty program" made selecting a beer kind of game-like.
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Old 11-16-2015, 10:56 AM   #8
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right this minute it means "Emergency Room", because that's where I spent Saturday (and about $3-4K). I am fine now, but slightly poorer. I am sure the memory will fade and ER will mean ...well, enjoying life.
Glad to hear you're doing better!

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May I ask why $3-4k poorer? Does your insurance cover most of it?
Possibly an HSA-compatible HDHP?

Right now, ER means expense ratio as I analyze available fund options for my 457 plan and how they mesh with my desired relatively hands-off investing policy. Apparently, low-cost ETFs are a no-go since I tinker too much if given the chance. Having an IPS doesn't help since I just rewrite the IPS whenever I read about and play with backtesting various lazy portfolios (Coffeehouse, FundAdvice Ultimate Buy & Hold, etc).
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Old 11-16-2015, 11:00 AM   #9
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Right now, ER means expense ratio as I analyze available fund options for my 457 plan and how they mesh with my desired relatively hands-off investing policy. Apparently, low-cost ETFs are a no-go since I tinker too much if given the chance. Having an IPS doesn't help since I just rewrite the IPS whenever I read about and play with backtesting various lazy portfolios (Coffeehouse, FundAdvice Ultimate Buy & Hold, etc).
Perhaps you need a "unclemick hormonal portfolio", then put the rest in a target fund or "pssst, Wellesley".
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Old 11-16-2015, 11:28 AM   #10
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You got it lemming. Glad you're enjoying your new local breweries. This is just a beer bar (Flying Saucer) where, if you try 200 different beers, you get one of these plates hung on the wall there. My plate says "BEER GAMIFIED!" because this "loyalty program" made selecting a beer kind of game-like.
It would be hard to figure it out unless you knew the plate awardees. My DW and I have one hanging in a bar in San Antonio. Only a select few folks know what our plates mean. Of all the awards I have been presented to me in life, that's one that I REALLY had to earn!
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Old 11-16-2015, 01:39 PM   #11
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Perhaps you need a "unclemick hormonal portfolio", then put the rest in a target fund or "pssst, Wellesley".
Nah, I don't need the hormonal portfolio. I just need to be as hands off as possible and going all in with balanced mutual funds with automatic investing (target risk or target date will work) instead of doing manual orders for ETFs will be sufficient to accomplish that.

Caveat, the plan is on Schwab so there's a $50 purchase fee for Wellesley or Vanguard Target Retirement 2040 VFORX. Also, Vanguard funds are not available for automatic investing (and really, at $50 a pop, they're not practical for monthly investing of $1500). However, the Schwab Target 2040 SWERX fund has a 0.78% ER so keeping that will be more expensive over the long term.

Right now, my plan is to use SWERX as a placeholder for monthly contributions and then first business day of January, move the funds from SWERX to VFORX.
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Old 11-16-2015, 03:06 PM   #12
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May I ask why $3-4k poorer? Does your insurance cover most of it?
Nope. $6300 or so deductible and max OOP

Quote:
Possibly an HSA-compatible HDHP?
Yup.

I took a chance on getting myself (60) a bronze HSA plan that cost $0 after credits (in fact, I passed some $ over to SWMBO who got a silver plan) based on my past history of basically needing nothing other than one doc visit for meds or something (no chronic condition, no drug). I passed out trying to get my old Gravely walkbehind started. Wife and daughter (who is in med track in HS) both swore I was having a heart attack ( I didn't think so, really) and eventually wore me down in my weakened state and they called 911 and got I the full treatment. They did blood tests, CT scan and couldn't find anything so I was home in about 6 hours, somewhat PO'd. Still waiting to see what the negotiated rates are but it will be more than dinner at Mc Donalds.

But, you know what? I will probably make the same choice again in a few days as to get a silver plan will cost me $2K in premiums with a $2300 max OOP. I still feel lucky (well, maybe not as much, but I don't feel like giving away $2K for sure)
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Old 11-18-2015, 12:52 PM   #13
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Nope. $6300 or so deductible and max OOP
Ok, that makes sense. I am looking into which plan to sign up and likely go with the Silver plan to avoid something like what you went through.
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Old 11-18-2015, 03:44 PM   #14
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ER has to be used in context.....

There is usually a long wait at the ER.

Life has been great since I ERd.

Ya gotta love those low ERs at Vanguard.
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Old 11-18-2015, 07:17 PM   #15
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In the IT world, we assign a namespace to identifiers to disambiguate...health care, career planning, investments.
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Old 11-19-2015, 12:29 PM   #16
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Name space is in the address bar...

Unless your on phone app. Lol.
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