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by katnok
Thu May 21, 2015 5:51 am
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1642

Re: A trip to Disney World - What are the best days during Christmas time?

OP here. Thanks for your suggestions. Wow. I didn't expect to hear an unanimous ‘no'. The reason why we even thought of going around Christmas time was to avoid the crowds and hot weather during summer months. Though we can visit at other times of the year, we have a kid in school, and were not real...
by katnok
Wed May 20, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1642

Re: A trip to Disney World - What are the best days during Christmas time?

OP here.
Thank you for your suggestions.

I Just edited my original post to clarify the Disney we are planning to go to. We would like to go to Disney world in Orlando.

Thank you.
by katnok
Wed May 20, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1642

Re: A trip to Disney - What are the best days during Christmas time?

Will the fact that we will be staying at a resort inside the Disney make a difference?
by katnok
Wed May 20, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1642

A trip to Disney World - What are the best days during Christmas time?

Dear Bogleheads, We are planning a trip to Disney (Orlando) for a week towards the end of Dec 2015. What are the best 7 days between Dec 22 and Jan 2 as far as the Flight tickets, crowd and any special events are concerned? Not concerned about hotel as its kind of taken care of already. I would appr...
by katnok
Mon May 11, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1310

Re: New car, lease or buy?

My own experience with leasing: In 2011, we were in the market to buy a minivan. For a reason that I don't think is important to mention here, I had to go for leasing. So, we leased it and then bought it after the lease was over. 2-yr lease 2011 Odyssey EX-L Price: approx 34k Residual value after 2y...
by katnok
Thu Apr 23, 2015 5:48 am
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2946

Re: Physicians: What's your vacation policy?

Because vacation is something that's written in the contract, shouldn't there be a mutual agreement to change it?
by katnok
Wed Apr 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2946

Re: Physicians: What's your vacation policy?

staythecourse wrote:How about just asking why they are making this decision?

We did, and were told this is how it is for non-physicians and they want to make it uniform across the organization. A follow up question from us was why it had to be the same for everyone, and the response was that it was board's decision.
by katnok
Wed Apr 22, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 2946

Physicians: What's your vacation policy?

My employer is proposing changes to the way vacation works. Currently we get 4 weeks of vacation, which we do not have to "accrue", but that's going to change soon. The way its going to work is, we accrue vacation based on the numbers of hours worked. So, for example, if you want to take a...
by katnok
Wed Apr 22, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4640

Re: Is 2007 Accord 60K mile service worth $300?

OP here. Sorry, I couldn't respond sooner. Thanks all for the great discussion. Unfortunately, I am not a DIY guy. Particularly, I don't want to mess with something like a car (As a kid, I did mess with radios and such though). I found a Honda dealer that's going to do this 60K "B" mainten...
by katnok
Mon Apr 13, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4640

Re: Is 2007 Accord 60K mile service worth $300?

Here is what they are going to do: 1. Change the engine oil and oil filter 2. Rotate the tires. 3. Inspect the front and rear brakes. 4. Check all fluid levels and conditions. 5. Check brake lines and hoses, cooling system hoses and connections and fuel line hoses. 6. Replace spark plugs. 7. Replace...
by katnok
Mon Apr 13, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4640

Is 2007 Accord 60K mile service worth $300?

My 2007 Accord, which has 60K miles, is due for 'B' maintenance. So, I called a few Honda dealerships, and the cheapest quote I received was $300 + Taxes. Honestly, I do not know if this is worth the money. I have never had regular servicing done anywhere other than at Honda, but do not remember any...
by katnok
Mon Apr 13, 2015 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 3321

Re: Graduating Medical Student- Rent vs. Buy in Residency

We rented during my residency, and had to move once but it was smooth. 5 yrs after residency, we are still renting and couldn't have been happier. The decision to rent was based on several factors. Didn't have money for down payment, was not sure if my employer and I were going to like each other or...
by katnok
Mon Mar 30, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3675

Re: Improving English Language Proficiency- Please suggest B

OP here.

Thank you all for the great suggestions!

I have already purchased a few books based on initial recommendations, but will definitely look at other resources you guys suggested.
by katnok
Mon Mar 23, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4058

Re: Urgent Care Centers - When should they be used?

Think twice about taking your child to a *general* Urgent Care center. They are often staffed by doctors, NPs and PAs who have limited experience working with children. My wife is a pediatrician, and she has come across many cases of incorrect medication doses, inappropriate management, etc. This i...
by katnok
Mon Mar 23, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4058

Re: Urgent Care Centers - When should they be used?

A couple of thoughts related to UCs: I am not sure about Urgent Cares in cities, but in my small community (there are about 5 in a radius of 15 miles), ALL without exception provide poor quality of care. The providers, most of the time an NP or a PA, try to please the patients and give them whatever...
by katnok
Mon Mar 23, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3675

Re: Improving English Language Proficiency- Please suggest B

Thank you for all the great suggestions! Epsilon delta - I love to read, and in fact, my English is as good as it is, mostly because of reading (read quite a few books by Sidney Sheldon while in college). The reason, why I also wanted a grammar book is there are times when I have to think about rule...
by katnok
Mon Mar 23, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3675

Improving English Language Proficiency- Please suggest Books

Can you guys please suggest a few good books to improve my English language skills? Though my education was in English for the most part, my native language isn't. So, I spoke exclusively in my native language until about 18-20 yrs of age (I'm 37 now). I can communicate reasonably well both in writi...
by katnok
Mon Jan 19, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2368

Re: Will I be able to retire at 55?

Thank you all for the replies. 1. I agree that there are a lot of unknowns between now and my desired retirement age. However, we are ready to make some changes to our lifestyle if that's necessary. Fortunately, my wife is on the same page. 2. As far the kids expenses, though we would like to set as...
by katnok
Mon Jan 19, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2368

Will I be able to retire at 55?

My wife and I are 34 and 37 respectively, and we would like to be able to retire when I am 55. We have 2 young kids (3&5). Our financial goals: 1. Buy a house : Currently renting, will continue to do so for the next 3 yrs or so, when we would like to buy a house. Our budget for this is about 400...
by katnok
Wed Dec 31, 2014 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 4263

Re: Why donate to charity?

Short answer. You don't donate to save money (because you won't). You donate to give money. This from an above post explained it: Scenario 1: You do not donate to any charity. You: + $0.67 IRS: + $0.33 Charity: $0 Scenario 2: You donate the buck to charity. You: +$0.33 IRS: -$0.33 Charity: +$1.00 I...
by katnok
Sat Dec 27, 2014 10:30 am
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2069

Re: How to choose Fabric Sofas?

Thanks for all the replies! I didn't know there was so much to buying a sofa. Consumer Reports has done a number of reports over the years on how to buy a sofa. Here's a link to one: http://www.consumerreports.org/cro/home-garden/bed-bath/home-decoration/upholstered-furniture/size-up-furniture-like-...
by katnok
Thu Dec 25, 2014 12:25 pm
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2069

Re: How to choose Fabric Sofas?

TheTimeLord wrote:Definitely no looking at leather with kids that age.


That's exactly what we did 4 yrs ago, and now there are tears everywhere. So, no more leather furniture for us.
by katnok
Thu Dec 25, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2069

How to choose Fabric Sofas?

We are looking for furniture for our living room, and zeroed in on fabric kind for sofa and love seat. My questions are: 1. Does having two young kids (3&5) at home have any bearing on the kind of sofa (fabric vs others) that you would choose? 2. How do I know the quality of the fabric? Are ther...
by katnok
Mon Dec 01, 2014 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1031

Re: Does contributing to 457b make sense in my situation?

Thanks for the replies. I will stay away from 457 at least for now.
by katnok
Sun Nov 30, 2014 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1031

Re: Does contributing to 457b make sense in my situation?

I am not worried about the funds in 457 being accessible to creditors as the odds of that situation arising are extremely low given my time horizon with this employer.
by katnok
Sat Nov 29, 2014 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1031

Does contributing to 457b make sense in my situation?

Hi all. My employer offers both 403b and 457b (non-governmental), but all these years I have maxed out the former but not contributed any to the latter.The reason for not contributing to 457 is that I may (not certain but quite likely) move from my current job in about 2-3 yrs. If the future employe...
by katnok
Sat May 10, 2014 5:12 pm
Forum: Investing - Theory, News & General
Topic: What are all the fees associated with 403b accounts?
Replies: 1
Views: 367

What are all the fees associated with 403b accounts?

At the beginning of the year, my employer changed our 403b provider, which at the time seemed awesome because average ERs of the funds went down from 1.65% to 0.35%. However, after the first quarter, I noticed some fees (0.9% of my acc balance) charged to my account. So, I promptly called the provid...
by katnok
Tue Apr 08, 2014 5:45 pm
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 15639

Re: First Trip to India

If you have any Indian friends here in the US, their friends or family back home might be able to assist you with getting around without much hassle.
by katnok
Tue Apr 08, 2014 7:19 am
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13184

Re: Why Americans are Retiring Overseas

I am not sure if I will retire outside the US, but if I do that will be India (home country), and the most likely reason would be healthcare. Why would healthcare be an issue? I am in that field, and I believe that there is a large influx (and this is only going to get worse) of incompetent and dish...
by katnok
Sat Mar 29, 2014 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 37971

Re: What age did you reach 100K networth?

100k @ 33.5

200k @ 35

300k @ 36

Going forward, we hope to save ~ 75-80k/yr (excluding 20k/yr that we plan to put into 529s).
by katnok
Wed Mar 26, 2014 4:57 pm
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 696

Re: Where do you buy organic nuts

Thank you for your suggestions.

Will certainly check them out at Trader Joe's or Whole Foods.

How about nuts.com? Anyone bought nuts there?
by katnok
Wed Mar 26, 2014 3:42 pm
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 696

Where do you buy organic nuts

Like many of you, we eat nuts (Almonds, Pistachios, Walnuts and Hazelnuts) daily, which we usually buy at Costco. However, my wife would like to buy organic nuts, and has been thinking about buying them online at Amazon or nuts.com. I am a little skeptical about the quality of the nuts bought online...
by katnok
Thu Mar 13, 2014 10:51 am
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 562

Re: Please help: Whats out tax filing status?

Thank you, montesquieu. Your links were quite helpful. I just got off the phone (after being on for more than 1.5 hr) with IRS. The lady was trying to help, but guess what. The info on the IRS website was more helpful than the lady on the phone. Finally, we are going to file as MFJ just like we did ...
by katnok
Thu Mar 13, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 562

Re: Please help: Whats out tax filing status?

Thank you, HueyLD. I did go through that page, but our situation is slightly different in that my wife WAS on a different visa (and different filing status) at the beginning of the year.
by katnok
Thu Mar 13, 2014 9:28 am
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 562

Please help: Whats out tax filing status?

My wife and I have been in the US for almost 7 years. While my visa status has been H1b throughout, my wife's changed from H4 (dependent) when we first came to the US, to F1 (student) in March 2013 . We had no issues filing our taxes as MFJ for the tax years 2007-2012 as were were considered "r...
by katnok
Mon Feb 24, 2014 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 4182

Re: How to Convert Someone That Doesn't Want to Be Converted

I think it is quite difficult for uninitiated individuals to see the benefits of Bogleheads philosophy when you first talk to them about it. While I am not a complete Boglehead yet, I am getting closer, and it has taken well over a couple of years to achieve this change. It was by pure chance that I...
by katnok
Tue Feb 11, 2014 7:26 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6823

Re: Raising kids in a small town vs. big city/suburbs

Thanks to everyone for your experiences, opinions and suggestions.

I guess I can make the following generalizations from the replies:

1. Majority do not see growing up in a small town as a drawback
2. Parents/parenting and schools are more important than the size of your town or city.
by katnok
Mon Feb 10, 2014 8:42 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6823

Re: Raising kids in a small town vs. big city/suburbs

[quote="livesoft"]Let me add that my parents/family moved around while we were growing up. I graduated from a suburban high school with 700 students per grade that I later learned was in the top 100 in the nation per US News&WR although I was clueless at the time. My parents moved afte...
by katnok
Mon Feb 10, 2014 8:39 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6823

Re: Raising kids in a small town vs. big city/suburbs

You need to give more details about this small town i.e. schools, economics of the town, percentage with college degrees, activities for kids from pre-school thru high school, crime rate... I do not know all the details as we have been living here for about 3 years, but I can say that its schools a...
by katnok
Mon Feb 10, 2014 8:25 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6823

Re: Raising kids in a small town vs. big city/suburbs

Crimsontide wrote:I think you need to define your idea of success in life first. Do you mean strictly in a financial sense or their development as complete human beings and good citizens?


Financial success is important but it is not everything. We would like them to develop into well rounded human beings too.
by katnok
Mon Feb 10, 2014 8:03 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6823

Raising kids in a small town vs. big city/suburbs

We are a couple in our early to mid 30's with 2 young kids (2&4) living in a small town (about 20k pop). Just like every other parent, we would like our kids to achieve the best academically, professionally and personally as well as they are able to. This led us to the question of whether it wou...
by katnok
Mon Nov 25, 2013 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan change from "Principal" to "The Standard"
Replies: 3
Views: 283

Re: 403b plan change from "Principal" to "The Standard"

Ged wrote:Ask them why they aren't using a lower fee provider for these plans.


We already did, and the answer to that question is this move from Principal to the Standard.

What are the possible hidden fees? How do I find out those fees if they are not in the plan booklet?
by katnok
Thu Nov 14, 2013 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan change from "Principal" to "The Standard"
Replies: 3
Views: 283

403b plan change from "Principal" to "The Standard"

My employer is going to move our 403b and 457b plans from Principal to The Standard. While I am excited about the availability of Vanguard funds with low ERs, I am also concerned about plan administrative fees, which according to the guide we received today would range from 0.85 - 1.75% based on the...
by katnok
Mon Oct 21, 2013 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 1054

Re: Am I a resident or non-resident alien for a 529 plan?

Update:
Called the customer service of Utah plan, and they told me that I am a resident alien for the purpose of opening a 529. So, the problem has been solved.
Thank you all for trying to help me.
by katnok
Sun Oct 20, 2013 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 1054

Re: Am I a resident or non-resident alien for a 529 plan?

I found a 529 application form from Scholarshare 529 plan ( http://www.csustan.edu/hr/Apps-Forms-Policies-Procedures/Documents/Scholarshare_Application.pdf ) and it asks two questions regarding residency: Thanks for the above link, HueyLD. This makes it a bit clearer that I might be able to open a ...
by katnok
Sun Oct 20, 2013 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 1054

Re: Am I a resident or non-resident alien for a 529 plan?

I will give them a call sometime this coming week.
Thank you, sscritic and Spirit Rider.
by katnok
Sun Oct 20, 2013 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 1054

Re: Am I a resident or non-resident alien for a 529 plan?

One answer from google and the web: If you are on work visa in USA you are a resident alien and not a Non- Resident Alien. Dont confuse resident alien with green card. You can do any kind of passive investing within the law if you are a resident alien meaning you reside in US and have a lawful job....
by katnok
Sun Oct 20, 2013 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 1054

Am I a resident or non-resident alien for a 529 plan?

I am trying to set up a 529 plan for one of my kids (US citizens). After reading here and elsewhere, I have decided to open a Utah 529 plan, but seems like I have already hit a roadblock. One of the questions in the process asks "Are you a US Citizen/Resident Alien". I couldn't proceed any...
by katnok
Sun Oct 20, 2013 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 9915

Re: Just hit the million mark net worth today

Yogesh, congratulations from a fellow Indian immigrant!
Yours is an extraordinary achievement.
Feel proud of yourself!
by katnok
Sun Oct 13, 2013 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Why are so many physicians unhappy with their careers?
Replies: 110
Views: 7728

Re: Why are so many physicians unhappy with their careers?

Physician here. There are too many reasons to discuss them all... I can mention a few. 1. Lack of respect. It's funny to see some people on here mention that physicians are well-respected... maybe 30 years ago... that ship has long sailed. Patients are often rude and threatening. Administrators tal...

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