Search found 566 matches

by ram
Tue Aug 11, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6237

Re: Your First Job

Age 22 as medical intern.
by ram
Sun Aug 02, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1256

Re: Inside Passage Cruise

Did the same trip last June. We did not carry gloves or caps. But we live in Wisconsin are are exposed to -20 temps. The senior citizens from Florida required far more cold gear than us. Light jackets were enough. Note that we went in June which can be colder.
R
by ram
Sun Aug 02, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13579

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

http://www.economist.com/blogs/graphicdetail/2013/03/daily-chart-5 The US spends 7% of household income on food. Assuming a household median income of 50,000 that will be 3500/yr or 300 /month. Now I realize that this board does not represent average US income. So presumably 1000/ mo groceries would...
by ram
Sun Aug 02, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 1649

Re: Can executor take value of personal time?

Emily estimates the price of the house "as is" from a disinterested 3rd party. Then a) buys nancy out ( half of above value), improves the house and sells it. b) makes a deal with nancy to pay her 50% of the above value and 10% of the increase in value from the efforts of Emily. Emily and ...
by ram
Sat Jul 18, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 5064

Re: Recommendations for gas grill

I bought the Consumer Report recommended Charbroil. My friend got Weber. I like his better ( about 50 % more).
by ram
Sat Jul 11, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 4060

Re: An email to my employer I almost sent, but then deleted

I asked my employer for a " plain vanilla bond fund with low ER" Suggested Vanguard Total bond fund. Now we have it at the institutional ER which I believe is .04 %
by ram
Mon Jul 06, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1564

Re: VTIAX anomaly on Vanguard's website

I noticed it too. It is not ex dividend today. Yahoo and google are showing it down 1.6%. Vanguard itself is showing VEU down by about 1.6%. So that 5.8% decrease must be a mistake.
by ram
Sun Jun 28, 2015 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3080

Re: Discover card 2X cash back

New customer. Got it. Thx.
by ram
Sun Jun 28, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 9985

Re: What credit should you get? (Ask me anything)

Our family of 4 currently has 11 credit cards. Our annual expenses on credit cards are about 60,000. Both of us have credit ratings between 780 to 810 out of 850. Our two college age kids need at least one Visa/ Mastercard . Our annual credit card expenses: Restaurants including workplace and colleg...
by ram
Sun Jun 28, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 4215

Re: Las Vegas visit ( first time)

Sorry for the delayed response. We had a good time at Las Vegas. We used many of the suggestions in the thread and would like to thank you all. We went to many of the casinos on the strip but as planned did not play much there (a few slot machines). Played blackjack for the first time. Went to golde...
by ram
Sun Jun 28, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: While you've been waiting for interest rates to go UP ...
Replies: 12
Views: 2466

Re: While you've been waiting for interest rates to go UP ...

I am one of the person that abandoned total bonds and moved to 'stable value' fund. This paid 1.2 to 1.5 %. So I presumably lost about 1% in interest during that time period. A benefit of this was that I could frequently flip back and forth to buy stocks when they were cheaper using the stable value...
by ram
Sun Jun 28, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 3975

Re: 2014 Lexus ES350

[quote= While they are very similar the Avalon just screams "old man car". :wink:[/quote]

My daughter who is in medical school and in her early twenties is far happier driving her 'old man's Avalon' than what she could buy for the sale price of a 9 yr old Avalon ( 2006 model)
by ram
Sun Jun 28, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5735

Re: Smart phone data usage

Thanks for the input so far. I do have wifi at home so it sounds as though that will help keeping the phone data under control. I am retired so don’t have an employer to help or hinder in the process. I do not expect to stream music or video all that much except for the cute dogs and cats on utube....
by ram
Sat Jun 27, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 3408

Re: Home cleaning services

$20/hr. A partial hour is rounded up to the next full hour. No tips except at holiday time. Low cost midwest area. The lady does much more than cleaning. Laundry, folding laundry, ironing clothes, cutting vegetables and fruits, help my wife with garden work, etc. Frequency as required. About 4 half ...
by ram
Mon Jun 22, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1964

Re: Best Slat Wall / Pegboard Systems for Garage Storage

http://www.rubbermaid.com/en-US/shop-pr ... k-tool-kit
I have this rubbermaid system. About $125. 30 min to install. I am happy.
by ram
Sat Jun 20, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Medical School Investing/Debt Management
Replies: 9
Views: 1877

Re: Medical School Investing/Debt Management

Asset allocation 'at this time' is relatively unimportant. Whether 3000 ( 10%) or 6000 is in bonds or international is not going to make much of a difference. Whether you pay $300 /yr ( 1% ER) or $30 ( 0.1 ER) is also not very important at this time. Clearly attacking the debt as soon as you two sta...
by ram
Fri Jun 19, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Financial/student loan advice for public health dentist
Replies: 6
Views: 850

Re: Financial/student loan advice for public health dentist

Would you be willing to do public health dentistry in another part of the country if the difference in pay can eliminate the student debt within 3 yrs.
by ram
Sun Jun 14, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 4035

Re: Unwise to keep funds at one bank?

I like to have a account at a local brick and mortar bank/ CU though it may not be where I keep most of my money.
by ram
Tue Jun 09, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 3126

Re: Airline flight booking

My family flies international regularly. We typically look at Kayak, find the lowest price and then book on the website of the airline that has the cheapest flight. Note that the same flight booked from different country may have different baggage limits and the cheaper ticket may mean additional ba...
by ram
Tue Jun 09, 2015 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting job vs Salaried jobs.
Replies: 33
Views: 3253

Re: Independent Contracting job vs Salaried jobs.

My employer a large healthcare corporation sometimes "loans" me to another healthcare corporation. This is done for purposes of medical research. Typically it is for a fixed %age of time say 10% of the time ( 4 hrs/wk). If I recall correctly the last time this happened my employer billed t...
by ram
Tue May 19, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 4215

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: 38
Views: 4215

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: 3329

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: 1939

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: 279

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: 15072

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: 3673

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: 10774

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: 10774

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: 10774

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: 10774

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: 2182

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: 518

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: 2182

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: 780

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: 780

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: 901

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: 5275

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: 2375

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: 3754

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: 7231

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: 4025

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: 901

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: 901

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: 1239

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: 23955

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: 6121

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: 1403

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...

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