28 karma · joined December 26, 2008
I'm going against my nature and meeting with a friend weekly to review queries for a SQL class we're both taking. Just talking with him and catching each other's mistakes has been worth as much as my O'Reilly book.
Self pay patients can be charged less if a standard sliding fee schedule is created by the practice. This is to make sure that discounts are applied uniformly across all self pay patients against some criteria (e.g. 10% discount for families at 400% of the federal poverty level). I'm sure there are other ways too, but they must be applied consistently.
I'm sorry that I'm just now hearing of the Revolution card. I use AmEx for no good reason at all, and a not insignificant number of merchants won't take it because its fees are so high. Of course, AmEx could also solve this problem by just reducing their percentage to 2% with the new technology.
When I realized that allowing this freedom could possibly encroach on my freedoms, it became a different issue. And I changed my mind.
http://www.cookingforengineers.com/ When I want to make something new and complicated, I go here first. Great layout, photos with every step, and no assumed prior knowledge.
http://www.cooksillustrated.com/ The magazine has more content than the website, but when I took the time to read a two page essay about how to make pork lo mein, down to what cuts of meat I could reasonably expect to find in an American grocery store, I was not disappointed. These are the same people who endorsed wadded up paper towels as the best turkey lifters after extensive testing.
Of course, for real recipe hacking, I go to the substitutions section of the Joy of Cooking to see what insanity I can dig up. My best to date is a non-dairy chocolate cake that used lots of mayonnaise, and I really want to experiment with flax seeds as an egg substitute.
I'm not a fan of index funds. At the risk of going against popular wisdom, I think it's better to put your money in a fund that is actually managed by a financial professional. Index funds follow the general market hell or high water, and even though their fees are generally lower since it doesn't take any brains to manage one, you'll never maximize your returns (or these days minimize your losses) with one. The key phrase to look for is 'no load mutual fund'. These funds will generally minimize fees at the time of your deposit and withdrawl. I've been happy with the Muhlenkamp Fund overall, of course they're in the gutter like everyone else at the moment.
The thing to remember is that the price of both gold and funds will fluctuate, and in either case you wouldn't be able to get at your money right away. I keep an HSBC high interest rate savings account for emergencies. There's enough money in there to pay my insurance deductibles if I crash my car into my house and both burn down. I contribute monthly to pay my semi-annual insurance premiums plus a little extra to give me that deductible buffer. It's probably around 2 months living expenses, which is within my risk tolerance, but you might want to sock away at least 3 months worth before investing the rest.