Recent content by OldShooter

Well, the first thing to know is that there is no standardization of concierge programs. When I was shopping, I ran into a couple that would not deal with insurance at all. Strictly patient-pay. Another thing is that Medicare has some strict rules to keep providers from billing patients...

We are in a concierge program. The office has three MDs, an RN, and an LPN. Our PCP is one of the MDs but get get shots and work administrivia from the RN or the LPN. Everyone is on a first-name basis. The concierge program is within a large health care organization (including several...

@W2R, next time you are shopping take a look at track balls. For example: Search Products & Information | Logitech United States or https://www.amazon.com/s?k=track+ball I have used these on and off over the years and liked them. Possibly a track ball would be less inclined to run away and...

I did exactly that last tax year, finishing up paying for a new lake home. Your reasons are logical but based on the implicit premise that equity risk ("non-risk-free investment return") is involved. If the goal is simply tactical/tax there is no reason this has to be true. In our case, the...

I dunno. I have always carried just one credit card and really do not remember any fraud issues, but of course that is only somewhat over 50 years. For lots of reasons I have never had anything like a "deck," but certainly the more cards you have the higher the probability of issues. I'm still...

Sorry to hear that, but your future probability of debit card problems and my future probability of problems remain the same: very low. It's a risk I am very comfortable taking, particularly with Schwab backing me up.

... and your point is ??

Good enough for me: "We offer you this simple guarantee: Schwab will cover losses in any of your Schwab accounts due to unauthorized activity.

So you have taken a statistically significant sample of all the restaurants in the world? In the US? How many restaurants? Really, it's a silly and indefensible statement.

WADR I think you need to organize your thinking and your priorities. For example you seem to put a high value on getting rid of the stock under any circumstances. But then you are concerned about getting value for the stock. You say you have the operating responsibility but if you get rid of...

And what actual facts cause you to believe this?

Considering the resources and expertise available at Schwab or Fido I wouldn't even pick up the phone to answer a call from a one man band at a CU.

Handling "cash" is not a big deal and in most cases is not optional. I say "cash" because handling checks is the same as cash. Re fries, they have to be ordered, received, counted, refrigerated, inventoried, and monitored for "use by" dates. All this before they go into the fryer. Then...

What state has this law?

Man plans. God laughs. It is good that you are thinking about this stuff and undoubtedly you will continue to do so. But to get into the weeds and details is almost certainly a waste of your time. You have 10 years of life changes ahead of you.