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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 30, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3133

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 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3664

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 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3664

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 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3133

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 Mar 23, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3133

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 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2339

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
Mon Jan 19, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2339

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
Wed Dec 31, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 4185

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
Sat Dec 27, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 1982

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 12:25 pm
 
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 1982

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
Thu Dec 25, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 1982

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
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: 990

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
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: 990

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 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: 990

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
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: 357

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 5:45 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 15284

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
Tue Apr 08, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13117

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
Sat Mar 29, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 37265

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 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 680

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
Wed Mar 26, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 680

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 10:51 am
 
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 542

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 9:57 am
 
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 542

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
Thu Mar 13, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Please help: Whats out tax filing status?
Replies: 4
Views: 542

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
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: 4161

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
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: 6614

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 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6614

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 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6614

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 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6614

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 Feb 10, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6614

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
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: 270

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
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: 270

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
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: 967

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 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 967

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 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 967

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 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 967

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 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I a resident or non-resident alien for a 529 plan?
Replies: 11
Views: 967

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 20, 2013 5:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 9716

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...
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: 7657

Interest on Security Deposit of a Rental Home

We rented a town home through a property management company a little over 3 yrs ago. At the time of signing the lease, we paid one months rent ( about $1000) as security deposit. After 3 yrs of renting, we moved to a different town home. The reason for this move is, we returned signed lease agreemen...
by katnok
Sat Sep 28, 2013 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Interest on Security Deposit of a Rental Home
Replies: 1
Views: 216

Re: Wife needs advice on finding entry level IT job

Thank you so much for all the advice I have received so far. I will pass it on to my wife. 1. I have already talked to the IT guy working for my employer (healthcare), who promised to let me know if he came across a suitable position. 2. As some of you suggested, we have been looking at the job list...
by katnok
Sun Jun 30, 2013 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2606

Re: Wife needs advice on finding entry level IT job

Thank you, TorpedoBook! Never thought about user groups. Will definitely look at them. She is interested in .NET. We have been looking at the job listings of the companies around here. They do have jobs, but pretty much all of them require at least a couple of years experience. Any thoughts about vo...
by katnok
Sun Jun 30, 2013 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2606

Wife needs advice on finding entry level IT job

My wife has just graduated with a masters in Comp Science , and is now looking for an entry level job in IT . She doesn't have any experience in IT other than the projects she did as part of her masters. Her (our) situation is a little complicated in that she is looking for employment within 50 mile...
by katnok
Sun Jun 30, 2013 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2606

Re: Hung out to dry.. Any advice on poor customer service?

I think you should have contacted the hospital rather than Health Port about your $60 because it was their delay that prompted you to order your records. Health Port simply charged for the services they provided. Whether $60 is too much (I think it probably is, but I do not know how big your medical...
by katnok
Thu Jun 20, 2013 8:22 am
 
Forum: Personal Consumer Issues
Topic: Hung out to dry.. Any advice on poor customer service?
Replies: 4
Views: 899

Re: Should I contribute to Taxable account instead of my 40

Even at this point, I am not sure I totally understand how these smallcap, midcap and large cap funds fit into my retirement goals. This is basic info you need to understand what you are doing. The stock market is divided into large, midsize, and smaller companies. The "cap" comes from &q...
by katnok
Sun Mar 24, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

I would use the index funds in the 403b/457 and hold bonds in your Roths and international stocks in your taxable account. Typical recommendation for your age would be something like 45% domestic stock, 20% international stock, 35% bonds. $17,500 in your 403b and $11,000 in your Roths every year wo...
by katnok
Sun Mar 24, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

I'm a little confused about your back door Roths because I understood your earlier post to say you are already doing them. . Sorry for the confusion. What I meant in my earlier post was, even after contributing to Roths we would still have money left over as we move forward. We invested most of our...
by katnok
Sun Mar 24, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

These are better than 1.65%: 3. Principal global investors Large cap S&P 500 index R1 fund ------------------------------------ PLPIX – 1.04 4. Principal Global Investors Midcap S&P 400 Index R1 Fund ------------------------------------- PMSSX – 1.05 6. Principal Global Investors Small Cap ...
by katnok
Sun Mar 24, 2013 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

To be in the 28% bracket your gross income must be over about $190,000, and your MAGI must be over about $170,000. This means that when your wife starts work your MAGI will likely be above the limit for direct Roth IRA contributions. For this reason your wife should probably contribute to a Roth IR...
by katnok
Sun Mar 24, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

Me:35, Spouse:32 (Wife is a student and is not making any money at this point) Currently I max out my 403b. No employer match . Entire contribution is invested in Target Retirement Fund 2040 with an ER of 1.65 . Other available options have ERs mostly between 1.6 - 1.97. Before you do any taxable i...
by katnok
Sun Mar 24, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014

Re: Should I contribute to Taxable account instead of my 40

rr2 wrote:Is there any possibility to request better options in your 403b plan? I am fortunate enough to have a 403b with TIAA CREF. The costs are below .5% for most options.

I did but that fell on deaf ears.
by katnok
Sun Mar 24, 2013 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to Taxable account instead of my 403b?
Replies: 25
Views: 1014
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