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Strange Things in the Precious Metals
Issue #531, July 17, 2018

Buying Years of Retirement
Issue #530, July 09, 2018

Rent-A-Kid for Retirement
Issue #529, July 02, 2018

The Dark Side of Student Loans
Issue #528, June 25, 2018

The Cost of Out-sourcing Convenience
Issue #527, June 18, 2018

Social Security: 66 or 70?
Issue #526, June 11, 2018

Student Loans: There’s (Unfortunately) a Lot More!
Issue #525, June 04, 2018

Co-signing a Note
Issue #524A, May 31, 2018

The Knight Frank Luxury Index and Collectables
Issue #524, May 28, 2018

The Importance of Diversification: The Myth of Diversification
Issue #523, May 21, 2018

How to Save Thousands on Your Food Bill
Issue #522, May 14, 2018

MoviePass and Other Things
Issue #521A, May 10, 2018

Degree Inflation, Long Training Periods, and “Certification”  Part III
Issue #521, May 07, 2018

Degree Inflation, Long Training Periods, and Certification” Part II of III
Issue #520, April 30, 2018

Follow-up on Several Things
Issue #519A, April 25, 2018

Degree Inflation, Long Training Periods, and “Certification”: Part I of II
Issue #519, April 23, 2018

The Kids Birthday Party Hustle
Issue #518A, April 18, 2018

A Pension Question: Part II of II
Issue #518, April 16, 2018

A Physician is an Executive
Issue #517A, April 11, 2018

A Pension Question: Part I of II
Issue #517, April 09, 2018

Is the Correction Over?
Issue #516A, April 05, 2018

Used Car Dealers, Student Loans, the Chinese, and Uncle George’s Rule
Issue #516, April 02, 2018

Starter Homes
Issue #515, March 26, 2018

Redecorating: Beware!
Issue #514, March 19, 2018

NASDAQ Closes at Record High
Issue #513, March 12, 2018

A 40% Chance
Issue #512, March 05, 2018

Several Things
Issue #511, February 27, 2018

Human Capital, Education and Wealth
Issue #510, February 19, 2018

Another Stock Market Update
Issue #509A, February 18, 2018

Some Thoughts on Savings
Issue #509, February 12, 2018

A Stock Market Upfate
Issue #508S, February 10, 2018

Who Can You Trust? Part II of II
Issue #508, February 05, 2018

The Christmas Decoration Pre-worn Jeans Hustle
Issue #Interim Bulletin #507A, February 03, 2018

2018 Outlook for Financial Markets
Issue #507, January 29, 2018

Who Can You Trust? Part I of II
Issue #506, January 22, 2018

Life Insurance Settlements
Issue #505, January 15, 2018

Commodities and Buying the Breakout
Issue #504, January 08, 2018

Buffett Wins His Bet
Issue #503A, January 04, 2018

Practice Real Estate and Free Agency
Issue #503, January 01, 2018

Outlook for 2018: Part III: Stocks and Bonds
Issue #502, December 25, 2017

My Outlook for 2018: Part Ii: Precious Metals
Issue #501A, December 21, 2017

Outlook for 2018: Hard Assets: Part I of III
Issue #501, December 18, 2017

More Thoughts on Bitcoin
Issue #500A, December 14, 2017

Fees and Good Relations with Bankers
Issue #500, December 11, 2017

Salvator Mundi
Issue #499A, December 07, 2017

Should You Rent or Own a Home?
Issue #499, December 04, 2017

A Gift Subscription
Issue #Interim Bulletin #498A, December 02, 2017

Stocks vs Real Estate: Asset Allocation: Part II of II
Issue #498, November 27, 2017

When Good Enough is Fine
Issue #497A, November 22, 2017

Stocks vs Real Estate: Asset Allocation. Part I of II
Issue #497, November 20, 2017

The Saudi Arrests and the Perils of Foreign Investing
Issue #496, November 13, 2017

Gambling and Las Vegas
Issue #495, November 06, 2017

Some Tips on Auto Insurance
Issue #494, October 31, 2017

Bitcoin and the Digital (Crypto) Currencies
Issue #493, October 23, 2017

The Coming Bear Market: Part II How to Prepare
Issue #492, October 16, 2017

Some Observations on Cemeteries
Issue #Interim Bulletin #491A, October 12, 2017

The Coming Bear Market: Part I: The Myth of Buy and Hold Forever
Issue #491, October 09, 2017

The Market makes New Highs
Issue #490, October 02, 2017

The Importance of a New High
Issue #489, September 25, 2017

A Little Insurance: Wealth, War and Wisdom
Issue #488, September 18, 2017

Some Observations
Issue #487, September 11, 2017

How to be Successful in Your Career
Issue #486A, September 07, 2017

How NOT to Buy a Home
Issue #486, September 04, 2017

This Week in the Market
Issue #485, August 28, 2017

Is the “Trump Bump” Running Out of Gas?
Issue #484, August 21, 2017

Gold is on the Move
Issue #483, August 14, 2017

The Importance of Estimation
Issue #482, August 07, 2017

Buying Art and Collecting: Part II of II
Issue #481, July 31, 2017

Buying Art and Collecting in General, Part I of II
Issue #480, July 24, 2017

Physicians need to be More Forceful: Follow-up
Issue #479, July 17, 2017

Physicians need to be More Forceful
Issue #478, July 10, 2017

Your First “Real” Investment
Issue #477, July 03, 2017

Leasing a Watch: Don’t
Issue #476, June 26, 2017

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

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

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


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.
    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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