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The Importance of Your Children having a Job
Issue #475, June 16, 2017

The Problem with Medical Student Debt is—the Med Schools
Issue #474, June 12, 2017

Critters and Varmints in your Home and Yard
Issue #473A, June 07, 2017

Leveraged ETFs
Issue #472, May 29, 2017

Leasing a Vehicle: Don’t!
Issue #471, May 22, 2017

Escheat
Issue #470, May 15, 2017

More on Buying Jewelry
Issue #469, May 08, 2017

Buying Jewelry: Gold, Diamonds and Pearls
Issue #468, April 30, 2017

Thomas Sowell: Part III of III
Issue #467, April 24, 2017

Thomas Sowell: Pat II of III
Issue #466, April 17, 2017

Live Close to Where You Work
Issue #465, April 10, 2017

Medtronic in Hospital Management
Issue #Interim Bulletin #464A, April 07, 2017

Thomas Sowell: Part I of II
Issue #464, April 03, 2017

A Political Contribution a an Investment: Part II of II
Issue #463, March 27, 2017

A Political Contribution as an Investment: Part I of II
Issue #462, March 20, 2017

Buffett Selling Vacation Home
Issue #461, March 13, 2017

Advanced Placement (AP) ourses
Issue #460, March 06, 2017

The Importance of a Credit History
Issue #459A, March 02, 2017

A Credit Card Scam
Issue #459, February 27, 2017

The Electronic Health Reord
Issue #458, February 20, 2017

Contracts
Issue #457, February 13, 2017

Platinum and Palladium
Issue #456, February 06, 2017

Economic Outlook for 2017: Part II of II
Issue #455A, February 02, 2017

Economic Outlook for 2017: Part I of II
Issue #455, January 30, 2017

A Story From Vegas
Issue #454A, January 25, 2017

Land Donation Deals and the IRS
Issue #454, January 23, 2017

The Theory of Gambler’s Ruin
Issue #453, January 16, 2017

Student Loans: But Wait, There’s More!
Issue #452, January 13, 2017

A Second Home
Issue #Interim Bulletin #451A, January 04, 2017

The Consumer Confidence Index
Issue #451, January 02, 2017

Social Security
Issue #450, December 26, 2016

My Outlook for 2017: Part II of II
Issue #449, December 19, 2016

My Outlook for 2017: The Market
Issue #448, December 12, 2016

Medicine in 20 Years
Issue #447, December 05, 2016

Higher Interest Rates
Issue #446, November 28, 2016

Trump and the Markets: The Bad and Ugly
Issue #445A, November 23, 2016

Trump and the Markets: The Good
Issue #445, November 21, 2016

Negative Trends: The Suits aren’t Makin’ Steel
Issue #444, November 16, 2016

The New DOJ Fiduciary Rule
Issue #443, November 07, 2016

Barron’s Conference, Part IV of IV
Issue #442, October 31, 2016

Barron’s Conference, Part III of IV
Issue #Interim Bulletin #441A, October 26, 2016

Barron’s Conference, Part II of IV
Issue #441, October 24, 2016

Barron’s Conference, Part I of IV
Issue #440, October 20, 2016

This Newsletter
Issue #439A, October 12, 2016

Memoirs of US Grant: Vol II
Issue #439, October 10, 2016

More Points on Collecting, Investing and the Economy
Issue #Interim Bulletin #438A, October 05, 2016

Personal Memoirs of US Grant
Issue #438, October 03, 2016

Ideas for a High School Part-Time Job
Issue #Interim Bulletin #437A, September 29, 2016

Collecting, Investing, and the Economy
Issue #437, September 26, 2016

Free College
Issue #436A, September 22, 2016

A Military Commitment to Pay for Med School
Issue #436, September 19, 2016

When a CD isn’t a CD
Issue #435, September 12, 2016

I Made a Mistake
Issue #Interim Bulletin #434A, September 07, 2016

What is Your Spare Time Worth?
Issue #434, September 05, 2016

Credit Cards and Bonus/Loyalty Points
Issue #433, August 29, 2016

The Write-off of Student Loans
Issue #Interim Bulletin #432A, August 25, 2016

412 Retirement Plans
Issue #432, August 22, 2016

Join the Club
Issue #Interim Bulletin #431A, August 18, 2016

The Case for Precious Metals and Hard Assets
Issue #431, August 15, 2016

When the US went off the Silver Standard
Issue #430, August 08, 2016

Why NOT to Open a Restaurant
Issue #429, August 01, 2016

Some Tips on Life Insurance
Issue #428, July 25, 2016

More Observations on Negative Interest Rates
Issue #427, July 18, 2016

Embezzlement
Issue #426, July 11, 2016

Is a PhD Worth It? Part II of II
Issue #425, July 04, 2016

Is a PhD Worth It? Part I of II
Issue #424, June 27, 2016

Avoid Part-time real Estate Agents
Issue #423, June 20, 2016

The VIX
Issue #422, June 13, 2016

The Problem with Auction Reserves
Issue #421, June 06, 2016

Make Full Use of Your Capital Investments
Issue #420, May 30, 2016

The Fed’s Announcement
Issue #419, May 23, 2016

Quit While You’re Ahead: A True Story
Issue #418, May 16, 2016

The Precious Metals
Issue #417, May 09, 2016

Negative Secular Trends: Part Ii of II
Issue #416, May 02, 2016

Negative Secular Trends: Part I of II
Issue #415, April 25, 2016

Not Winning is not the same as not Losing
Issue #414, April 19, 2016

Behavioral Economics: Part II: Weaknesses
Issue #413, April 11, 2016

Behavioral Economics: Part I: Valid Points
Issue #412, April 04, 2016

The Most Important Books I’ve Read
Issue #411, March 28, 2016

Secret to Success: Take Risks and do Things Differently
Issue #410, March 21, 2016

The Over-Priced Food Presentation Hustle
Issue #409, March 14, 2016

The War on Cash
Issue #408, March 07, 2016

Precious Metals: Don’t Jump in Yet
Issue #407, February 29, 2016

The Bear is Growling
Issue #406, February 22, 2016

The Importance of Showing Respect
Issue #405, February 15, 2016

The 80-20 Rule of Thumb Pareto Principle
Issue #404, February 08, 2016

Some Tips on Commercial Real Estate
Issue #403, February 01, 2016

Economic Outlook for 2016
Issue #402, January 25, 2016

Selling Short: Part II of II
Issue #401, January 18, 2016

Short-Selling. Part I. How it Works
Issue #400, January 11, 2016

Who Can You Trust, and How to Spot a Con Man
Issue #399, January 04, 2016

Outlook for 2016: Part II of II
Issue #398, December 28, 2015

My Outlook for 2016, Part I of II
Issue #397, December 21, 2015

Want to Live a Long Time?
Issue #396, December 14, 2015

Some Tips on Retirement
Issue #395, December 04, 2015

Negative Interest Rates
Issue #394, November 30, 2015

What if the US Dollar Breaks to New Highs
Issue #393, November 23, 2015

How to Decrease Student Debt by 25%
Issue #392, November 16, 2015

The Importance of Buying Life Insurance when you are Young
Issue #391, November 09, 2015

Barron’s Conference, Part II of II
Issue #390, November 02, 2015

THE PHYSICIAN INVESTOR NEWSLETTER

HELPING PHYSICIANS ATTAIN FINANCIAL SECURITY
By Robert M. Doroghazi, M.D., F.A.C.C.

Critters and Varmints in your Home and Yard

Issue #473A, June 07, 2017

    This isn’t worthy of a full newsletter, but you are sure to run across these issues sometime, and it could affect your pocketbook, or even your health.
    Last week, for the 3rd time in the 30 years, there was a bat in the house.
    1) Immediately close ALL doors, and as quickly as possible isolate them in one room.
    2) Bats go up high. They will cling to crown moldings, tops of door frames, curtains.
    3) When everything is secure, wait until next morning when they are sleeping, find them and dispatch them.
    4) Every time I’ve had a bat, they got in around the top of the chimney. I’d seen some squirrels around the chimney, and sure enough, they had put a hole in the screen.
    5) Call a pest control company, because if you have a bat in your home, it’s possible they have a colony in your attic. Let them handle that. They will then give you an estimate of $1,000 or more to “bat-proof” your house. That is a complete hustle. Just say “no thanks”. It is impossible to “bat-proof” a house. I’ve read that bats can squeeze through cracks less than ½ inch.
    6) There are devices that plug into light sockets that emit ultra-sonic waves. Put one or several in your attic. They are effective in keeping bats out.
    7) Unfortunately, there is as high as a 5% chance that a bat that gets into your home is rabid. Call animal control, and they will examine the body. This is the scary part: If a bat is in a room with a child or baby who’s not yet old enough to speak or defend themselves, it must be presumed they have been bitten. They will probably require rabies shots.
    Squirrels: they are a royal PIA. It seems they do hundreds of dollars of damage to my roof every year. In my experience, the grey squirrels, although about 1/3 smaller than red (fox) squirrels, are much more aggressive and destructive.
    Varmints in your garden or flower bed. Bunnies don’t eat much, and are easily encouraged not to come back. Groundhogs eat much more, but are easy to trap. It’s the deer that cause the real problem. They eat a lot, easily hundreds of dollars of produce in a good sized garden or orchard, and are nocturnal. Bottom line: if they eat it, you can’t. C’est lui ou moi (French, it’s him or me). After years of Diane urging me, I finally put an electric fence around my garden. Just 2 days later, there were fresh deer feces in my yard, so I know Bambi had been there during the night, and the garden was intact. I hate to sound sadistic, but it made my day.
    Possums must be the dumbest mammal for their size in the US, and don’t do any damage. Neither do raccoons, but beware, because they are smart. You don’t want them hanging around. We had a momma and 4 baby skunks under our front porch shortly after we moved in. We called a private pest control company. Quote of the day: “Lady, we don’t do skunks”. The Conservation Dept. loaned us a Have-a-Heart trap. Bait: cat food. After catching 2 of the babies, momma split with the other two, and we had the hole filled in.
    Feral cats are arguably the most invasive species in the US. They are the #1 killer of birds. Animal control can trap them. 
    The one animal I would not tolerate in my yard is a coyote. They are vicious, cunning, aggressive and big, easily getting to 40 or 50 pounds. They can, and will gladly, take one of your pets.
    If you own land with a lake, beavers can be terribly destructive. The sound of running water turns on their “beaverness” (see below). They want to plug it up, so they can have their pond. The problem is that with all man-made ponds and lakes, there is an over-flow pipe. If it gets plugged up by the beavers, the water could overflow and destroy the dam, costing you tens or hundreds of thousands of dollars to replace it. In Missouri, it is recognized that beavers are so destructive that they can be taken 365 days a year on your land. You can even dynamite their lodge, although a permit is required for the dynamite.
    Here are the 2 points I want to make.
    1) Bambi and Thumper and Rocky and Bullwinkle and all the other animals can do whatever they want in the forest, but they can cause a lot of damage to your home and property and vegetation. Use any lawful means to protect what you have worked so hard for.
    2) Please be careful. Any wild animal that loses its fear of humans could be rabid.
                                                                  RMD
    I have coined the term “beaverness: the act of being and the behavior of a beaver”. A neologism is a new word. As I remember from my psychiatry rotation as a 3td year med student in 1974/5, neologism can be associated with schizophrenia. Mark Twain is noted for neologisms. Hopefully I’m somewhere in between.
    An easy way to make a neologism is to use a noun as a verb. I was a treating physician expert witness for the defense in a medical malpractice case. The plaintiff pointed at the physician she was suing and said “He medical mal-practiced me”. By the way, we won the case. 
    Every year in the first weekend of June Columbia has Art in the Park, where hundreds of artists from the Midwest come to display their work. One was “The Two Belmont Sisters”. RMD: “do you have a brother named Dion?” Young lady: “No”. RMD: “Have you ever heard of Dion and the Belmonts”? Young lady: “No”.
    As we were walking away, I said to Diane “I thought I was being really clever”. Diane “She’s young enough, I doubt if her mother ever heard of Dion and the Belmonts”. Go to YouTube and watch “Dion & The Belmonts I Wonder Why 1958”.   

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