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by ram
Tue May 19, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 28
Views: 1904

Re: Las Vegas visit ( first time)

Thank you all for the excellent suggestions. Will ley you know what i did upon return.
by ram
Mon May 18, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 28
Views: 1904

Las Vegas visit ( first time)

We am going to be in Las Vegas for 5 days ( from Wed, May 20). I will be attending a conference from 7 am to 12 noon and will be free the rest of the time. Wife will be a full time tourist. I am staying at the Embassy suites, convention center. I have no interest in gambling. Would like to attend so...
by ram
Sun May 03, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2881

Re: How To Find The Best Doctor

I am a physician and know which of the other 400 MDs that practice in the same building would be appropriate for my family. Generally the best physicians will have the least availability. So sometimes it is better to pick an 'acceptable' MD with an earlier appt slot than wait for the best. At other ...
by ram
Sun May 03, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

I do.
For tax reduction.
I restrict the total amount in 457 b to < 10% of my assets.
by ram
Sun Mar 29, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax: Standard Vs AMT- Corelation
Replies: 1
Views: 251

Income Tax: Standard Vs AMT- Corelation

http://thefinancebuff.com/amt-tax-brackets.html After paying AMT for many years I was surprised that we did not have to pay it this year. Our salary income has been in the same ball park (slightly more) this year. I have not had any mortgage payments for the last many years and charitable donations ...
by ram
Sun Mar 29, 2015 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 14485

Re: Smartest Financial Move You Ever Made

Got a good education. Married a well educated woman. The money followed and was invested according to the principles espoused on this board.
by ram
Fri Mar 27, 2015 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3418

Re: Son graduating college-what to do?

Pay for-
Medical insurance till he gets a job that gives decent health insurance (This may be many months or even years.)
Cell phone.
A suit and a pair of good shoes for interview (if needed in his field).
Not too much more.
by ram
Thu Mar 26, 2015 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 9436

Re: Why 529 plan makes any sense??

The money that I earn is used in the following order: 1. For food, clothing and shelter today. 2. Fund 401K upto the match. 3. Fund Roth IRA or backdoor Roth. 4. Fund balance of the 401K. 5. Fund HSA (as stealth IRA) 6. Fund 529 ac to the extent of the state tax exemption. 7. Fund 457 B plan. (My 4...
by ram
Thu Mar 26, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 9436

Re: Why 529 plan makes any sense??

The money that I earn is used in the following order: 1. For food, clothing and shelter today. 2. Fund 401K upto the match. 3. Fund Roth IRA or backdoor Roth. 4. Fund balance of the 401K. Ram, Most Bogleheads prioritize #4 above #3 because they are in a higher tax bracket now than they expect to be...
by ram
Wed Mar 25, 2015 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 9436

Re: Why 529 plan makes any sense??

Why not taxable before 457b? Private sector 457b seems like it has too many downsides. When I have $ 100 to save my options are : - Save $100 in 457 plan OR - Pay $39 tax and save $61 in taxable account. I anticipate to be in a much lower tax bracket during retirement. The pre test probability of m...
by ram
Wed Mar 25, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 9436

Re: Why 529 plan makes any sense??

The money that I earn is used in the following order: 1. For food, clothing and shelter today. 2. Fund 401K upto the match. 3. Fund HSA (as stealth IRA) [ Edit - moved up from level 5. Reason = It has more tax advantages than Roth] 4. Fund balance of the 401K. [ Edit -moved up above Roth. More appro...
by ram
Mon Mar 16, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 20
Views: 2082

Re: Should I change Asset Allocation to a more conservative

Thank you all for your insight. For clarification more than 50% of the savings are in tax deferred acs and the changes in asset allocation if any will all be made within the tax deferred accounts. It would be reasonable to say that there is no consensus among the intelligent crowd on this board and ...
by ram
Sun Mar 15, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Multiple IRAs under one account?
Replies: 6
Views: 430

Re: Vanguard - Multiple IRAs under one account?

I have also done what Iowa says. My level is such that I see her IRA's but she does the transactions. You can call , tell what you want and they will sent her papers to sign.
by ram
Sun Mar 15, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 20
Views: 2082

Should I change Asset Allocation to a more conservative mix

http://blog.aarp.org/2015/03/09/six-lessons-from-the-six-year-old-bull-market/ I was reading the article by Alan Roth posted by Taylor. This line made me pause to think. " Consider taking some risk off the table" Over the last 6 years we have done well. A few years ago I had made a table o...
by ram
Sun Mar 15, 2015 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for TLH
Replies: 7
Views: 701

Re: Looking for advice for TLH

A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: Buy substantially identical stock or securities, Acquire substantially identical stock or securities in a fully taxable trade, or Acquire a contract or option to buy substantiall...
by ram
Sun Mar 15, 2015 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for TLH
Replies: 7
Views: 701

Re: Looking for advice for TLH

i 1. I need to have funds that lost value in order to be able to do TLH. Is that correct? 2. Should I turn off automatic reinvestment on all the funds in taxable? 3. If not, can I redirect all dividends to one specific fund which I may not use for TLH. In that case, which fund would that be? 4. I a...
by ram
Sun Mar 15, 2015 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - GWX to VSS
Replies: 8
Views: 769

Re: Tax Loss Harvesting - GWX to VSS

Thanks livesoft and Rox.
Yes the dividend was received in 2014 and the stock will be sold in 2015.
I will look out for the dividend payment of VSS in Mar and make the transaction in early April.
by ram
Thu Mar 12, 2015 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4845

Re: How much house can we afford by Boglehead standards?

- You dont have to buy a house costing 5 times the cash you have, even though your bank will be happy to give you the 80%. - Buying a house costing 3 times the combined salary is acceptable, though buying only upto 2.5 times is desirable. - If 170 K buys you a basic house then 120% of that (205 K) s...
by ram
Wed Mar 11, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: non-compete question
Replies: 23
Views: 2225

Re: non-compete question

My employer routinely uses 2 years and 25 miles in its non compete clause and goes behind violators.
by ram
Sat Mar 07, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 3372

Re: Ethnobotany as career choice

I cant answer your question directly but - Yes, the vast majority of 'premed ' on day 1 of college are not on premed track by yr 2 or 3. (Based on info provided by yr 3 and yr 4 premeds that rotate with me)
by ram
Sat Mar 07, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6668

Re: interest rate increase looming. what you gonna do ?

Well at least I will give a different answer to the O.P. But first let me clarify. I am one of those that deviated from the preachings on this board and sold my usual 'Vanguard Total Bond' a few years ago and have been patiently waiting for intt rates to go higher. I am currently sitting in stable v...
by ram
Sat Mar 07, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: At age 27, how much should I have saved up for retirement?
Replies: 30
Views: 3763

Re: At age 27, how much should I have saved up for retiremen

$0 should be fine. Especially if you spent a long time in getting advanced degrees. In my line of work (medicine) people are typically digging the hole deeper at this stage and are about -250,000 by age 29 or 30.
Building human capital or having completing building it is most important at that age.
by ram
Sat Mar 07, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - GWX to VSS
Replies: 8
Views: 769

Re: Tax Loss Harvesting - GWX to VSS

I have now held the shares for about 80 days. I believe that should take care of the 60 day limit to make dividends ( ? capital gains) "qualified" and also the vanguard limit for internet trading. I'm not qualified to answer your tax questions, but as far as ETF's go, there is no explicit...
by ram
Sat Mar 07, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - GWX to VSS
Replies: 8
Views: 769

Tax Loss Harvesting - GWX to VSS

In mid december 2014 I sold about 15000 worth of VSS (Vanguard All World Ex US small cap) and bought equal amount (500 shares) of GWX. (SPDR Intt Small Cap ETF). This was done for tax loss harvesting and that transaction is satisfactorily completed. Shortly after buying GWX it gave off long term cap...
by ram
Sat Feb 28, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job offering me a new schedule...
Replies: 8
Views: 1044

Re: Job offering me a new schedule...

Single and no family responsibilities are a good time to try out things. The knowledge gained will be useful when you are no longer single and kid-free. At our large medical campus different hospitalists prefer different shifts. -Those who moved from outpatient to inpatient setting prefer the 7am - ...
by ram
Sat Feb 28, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 22108

Re: What are Costco's best deals?

boroc7 wrote:I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads...

Why would you 'pass out' reading Bogleheads? :D

Also their 18 yr old scotch is a good deal with cost comparable to brand name 12 yr old scotch.
by ram
Fri Feb 27, 2015 1:09 am
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5756

Re: Strange Billing Practice by Medical Provider

Somebody earlier in the thread said they like to hear the suppliers views to make an informed decision. Consider the following : Circa 2000. Doctors bill = $100. Insurance responsibility = $95 Patient responsibility = $5. Doctor's profit margin if everybody paid in full = 10%. If insurance paid all ...
by ram
Wed Feb 25, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Young physician seeking to simplify a windfall portfolio
Replies: 3
Views: 1325

Re: Young physician seeking to simplify a windfall portfolio

The desired AA seems satisfactory. Though simplicity is typically recommended on this board there will be a steep price to pay in terms of taxes in your case and so a compromise between simplicity and saving taxes is desirable. Perhaps selling individual stocks but holding on to the MFs might be rea...
by ram
Wed Feb 25, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: 10 Interesting facts about the S&P500
Replies: 28
Views: 3876

Re: 10 Interesting facts about the S&P500

10 to 20 % of the initial list is my guess.
by ram
Wed Feb 25, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10232

Re: physicians [Frustrated, considering early retirement]

There are no jobs that pay well and are devoid of headaches. I walk out the door every morning with the understanding that if I make 4 times the average family income then I should expect 4 times the headaches of the average job. Unlike most jobs we have job security. For my full time medical resear...
by ram
Thu Feb 12, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 7246

Re: College savings costs / number

You need to go to a college that is inferior (at least in terms of general reputation) to the one where you might get admitted if you want to save on college costs. Not always. I can't find it now, but someone ran the numbers, and for most families making less than $150k, often the least expensive ...
by ram
Wed Feb 11, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 7246

Re: College savings costs / number

You need to go to a college that is inferior (at least in terms of general reputation) to the one where you might get admitted if you want to save on college costs.[Added later: for most people on this board with good income and good savings and therefore no chance of getting need based aid] My daug...
by ram
Wed Feb 11, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 5091

Re: What age did you become financially independent of paren

At 23 when I joined residency. My parents paid for my med school.
by ram
Wed Feb 04, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9695

Re: How much is a safe car worth?

http://www-nrd.nhtsa.dot.gov/Pubs/810853.pd Lets say my family consists of 4 people : Parents age 30 each and 2 kids age 5 each. Lets assume that each one of us is destined to die at age 80. Total life expectancy for the family = 250 years. ( 50+50+75+75) In the U S healthcare literature spending of...
by ram
Wed Jan 28, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2708

Re: Hawaii Visit (Maui). Need advice

Thanks for all the advice. I am there now and enjoying it. More details upon return.
by ram
Sun Jan 25, 2015 12:45 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2708

Re: Hawaii Visit (Maui). Need advice

I am staying at the northwest end of the island ( Napili) adjacent to Ritz Carlton Kapalua which is the conference site. Wife will have the car. Yes we both like horse riding. Cold is no problem for us . We live in -20 temperature region.
by ram
Sat Jan 24, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2708

Hawaii Visit (Maui). Need advice

From tomorrow we are visiting Maui for 5-6 days. Our airline, hotel ( Napili point, kapalua, ) and car are booked. I am looking for advice for activities, eating places etc. Wife and I are going and we in our late 40's , early 50's and in good health. I will be attending a conference for 4-5 days fr...
by ram
Tue Jan 20, 2015 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 40
Views: 6385

Re: Adjusted Livesoft Income (ALI)

What about disability payments. This would be tax free if the premiums were taxed.
by ram
Sun Jan 11, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: marriott point value
Replies: 4
Views: 950

Re: marriott point value

A marriott point is at best worth 1.2 cents. Thus 25000 pts are worth $300. You will spend $ 300 ( 90 x3 + tax) in actual dollars to get $300 in points. Not a good deal. On the other hand if you are certainly going to use the points and would otherwise pay $15/ day of your own money to rent the $90 ...
by ram
Mon Jan 05, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4644

Re: Finance My Son's Law School

Deleted.
(After I noticed that OP wanted it closed)
by ram
Fri Dec 19, 2014 10:21 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 151
Views: 23835

Re: [Why did my fund suddenly drop in value?]

As expected my funds are down today. In my taxable account the dividents get deposited to my linked bank account. However I do not see any payment at Vanguard site or my bank. I assume things will catch up in a couple of days.
by ram
Thu Dec 11, 2014 11:19 pm
Forum: Investing - Theory, News & General
Topic: any studies of real-world retirement outcomes?
Replies: 20
Views: 2057

Re: any studies of real-world retirement outcomes?

And then drop dead at 58 and while laying in the casket say "darn it I should have went for the good stuff". I'm pretty sure it's not possible to have this sequence happen. But I suppose one of these days, someone might come back from the dead to give us this message. :P Think again- http...
by ram
Tue Dec 09, 2014 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 6083

Re: Have you ever been let go?

No. Over 2 decades in the work force ( medical field)
by ram
Fri Dec 05, 2014 9:36 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1914

Re: Poll: Do you ask questions at company 401(k) meetings?

Yes . Routinely. I have already decided what question I am going to ask at the next meeting. Our company uses a Oct to Sept accounting year and we got the annual newsletter last week. At the next year's meeting I am going to quote from this newsletter: " This year was a tough year for active fu...
by ram
Sun Nov 30, 2014 5:28 pm
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 5025

Re: Would you move/stay for better school district?

We have sent our kids to the best schools that we could and where possible we have preferred jobs in areas with better school options. Many years ago both our kids were testing at 98 or 99 th percentile in grade school in New York state in English and Math and I had to move to New Orleans. We based ...
by ram
Sun Nov 30, 2014 3:18 pm
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 4334

Re: POLL: Attitude Towards Risk

I would take the sure 240. Only 4 % more ($10) for risk of losing 96% of the potential pot. No . Not good enough. A certain loss of 750. Or a possible extra loss of only 33% more. Versus a 25% loss of Not losing 100% of the 750. I will take that gamble. (the assumption is that the potential extra lo...
by ram
Wed Nov 26, 2014 11:17 pm
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 33
Views: 3380

Re: SAT preparation

Congrats to you and your daughter.
This is a good score to apply to Harvard, Yale, Stanford etc. But these universities do not give merit based scholarships. If you are interested in these then Duke, Vanderbilt, Rice etc will give merit based scholarships to such excellent students.
by ram
Tue Nov 25, 2014 7:01 pm
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5435

Re: Buying a Computer. Need recommendations.

It may need nothing more than a good cleaning/tune up. Google "my computer is slow" "my computer is slowing down, how to speed it up" etc. I wont throw away the old set up. It will become the backup computer on another floor. I will let my son handle the cleanup when he comes ho...
by ram
Tue Nov 25, 2014 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5435

Re: Buying a Computer. Need recommendations.

Zecht, 1. How much money do you want to spend?- Upto $1000. Preferably below $700. 2. Will you ever want portability or a touchscreen?- Portability is worth no more than $100. Do not need touchscreen. 3. Are you already invested in a particular ecosystem (e.g. Apple, MS, FireTV, Roku, Android, etc.)...

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