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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
Thu Dec 11, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: any studies of real-world retirement outcomes?
Replies: 20
Views: 1854

Re: Have you ever been let go?

No. Over 2 decades in the work force ( medical field)
by ram
Tue Dec 09, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5444

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
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: 1698

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 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4608

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
Sun Nov 30, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 3948

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
Wed Nov 26, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 33
Views: 3226

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 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 4937

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.)...
by ram
Tue Nov 25, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 4937

Buying a Computer. Need recommendations.

At home I sit at my desk in the evening and have traditionally used a desktop computer. About 3 years ago my college age daughter broke the screen of her then 1 year old Lenevo think pad laptop computer and since then this laptop attached to a external monitor has been my 'desktop'. At 4 yrs old it ...
by ram
Mon Nov 24, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 4937

Re: Job advice - academic physician career move?

I always thought that one had to make at least 20% more when switching jobs unless the current job was poisonous. Typically physicians get only one significant raise during a lifetime. This is when they move from their training (resident /fellow) salary to an attending's ( real doc) salary. This is...
by ram
Tue Nov 04, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 3320

Re: Job advice - academic physician career move?

I would think of this situation as ' worth considering' but not a very strong indication to move. Personally I wont give very much importance to rank #1 Vs rank # 100. The situation regarding parents is a significant negative issue. Both of us are physicians. In your wife's case 'they will work with...
by ram
Tue Nov 04, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 3320

Re: Ashley Furniture

Moderate quality at a moderate price. I never buy at their full price. There are frequent specials. I am comparing for brand new furniture purchase only ( Craigslist excluded).
by ram
Mon Nov 03, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3428

Re: Livesoft - Thank you

My thanks to Livesoft too. In long threads I look for some specific posters and his name is near the top of that list.
by ram
Mon Nov 03, 2014 9:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5716

Re: Self Employed Healthcare and Infertility

I have no information about how to find insurance that covers infertility. However if you do not find such an insurance product, yet wish to pursue infertility evaluation you may consider the following. Some patients go to a physician to evaluate some symptoms (say menstrual irregularity) that can b...
by ram
Sun Nov 02, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employed Healthcare and Infertility
Replies: 9
Views: 1108

Re: Checking monthly - may not even notice the October "cras

What crash. October was a good month. :D
by ram
Fri Oct 31, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4443

Re: Tax repercussions of five separate 529 accounts.

Ask the relatives to give you a check with the amount filled and signed.
You fill the 'Pay to' line and send it off with the paper deposit slip. The money does not go through your account.
by ram
Tue Oct 28, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax repercussions of five separate 529 accounts.
Replies: 9
Views: 889

Re: Career Advice for an Unhappy Young Doctor?

An internist working 2 days a week (technically 16 hrs) can make 50 K a year, which is the median family income. An undesirable job becomes much more tolerable if you have to work only 16-20 hrs a week. Assuming that she is OK with seeing patients but not seeing 40 each day she can slow down to 50% ...
by ram
Tue Oct 28, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13551

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! I'm looking to move to a town in which to put down roots and raise a family. I've finally come to the conclusion that life is too short not to live in a place you find beautiful. So, below are some criteria I'm looking for, and I look forward to any recommendations you migh...
by ram
Tue Oct 14, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10283

Re: What have you done to cut costs this year?

Encouraged both kids to maintain/get college scholarships. That's a 60,000 + saving per year.
by ram
Sun Oct 12, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12380

Re: Medical Tourism - recent article

I hope I can maintain medical insurance so that this will not be necessary. The article did not discuss the most legitimate (and troubling) reason for medical tourism- lack of good medical insurance. I am insured but by choice have a high deductible plan. Yet my family does get medical care oversea...
by ram
Sun Oct 05, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1896

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

This weekend I drove a Hyundai genesis AWD 2015. It is nicely built, is sporty, is relatively cheap, but it is a noisy car for this segment. It is noisier than my 2006 toyota avalon. I have eliminated it, I drove a 2011 and a 2013 Lexus RX and they were good cars and are under consideration. But I l...
by ram
Thu Sep 25, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Binoculars appropriate for a 6-year-old?

Perhaps - Eagle Optics Kingbird 6.5x32 Binocular. ($95)

I got 2 binoculars at about $250 each from them a few months ago and these were very good. Havent used the one mentioned above but that seemed the nearest to your requirements as seen at their website.
by ram
Thu Sep 25, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Binoculars appropriate for a 6-year-old?
Replies: 11
Views: 1001

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

htdrag,
I assume that you are talking about the McGrath Lexus dealerships (downtown chicago (division st) and Westmont). There is also an Arlington Lexus, Palatine and Lexus of highland park. Any thoughts on any one being better than other. Thx.
by ram
Fri Sep 19, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Home/Auto insurance: Amica or Travelers?

Amica, excellent service. Would be willing to pay 10% more for the peace of mind. I had an accident where the police ruled that the other guy was to blame. His insurance was giving me problems. Called Amica and they paid me the repair cost minus deductible and I thought that the matter was closed. A...
by ram
Wed Sep 17, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 1558

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I got lots of help from livesoft when I bought a 2012 RX CPO in August 2014. The sticker price was $37,700 but out the door (not counting taxes, license, registration, etc.) was $32,500 with 20k miles but got some minor scratches; also I did not get the navigation package nor the parking assist fea...
by ram
Wed Sep 17, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Just to reiterate, if you get the lexus (which i absolutely recommend over the HONDA PILOT :oops: ), maintenance costs do not have to be high. 1. Do as livesoft suggests and refuse the recommended service (5K service, 10K service, etc...) and ask for exactly what you want done. And negotiate it dow...
by ram
Wed Sep 17, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

livesoft wrote:
ram wrote:I read the linked thread and will start with the 15% off.

I missed the above until now. If you start at 15% off, you will end up higher. You might wish to start at 20% off.

Will start at 20% off and try to get at least 15% off.
R
by ram
Wed Sep 17, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I would go for the pre-owned Lexus 460 of the choices you gave. However, if buying a new car I would take a long hard look at the new Hyundai Genesis. Hyundai is poised to do to Lexus what Lexus did to the Germans. This car is getting great reviews, has a long warranty, and should be cheaper to mai...
by ram
Wed Sep 17, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

strafe wrote:The LS460 is rear wheel drive but will be just fine in the bad weather if you use winter tires. Ground clearance not much worse than the RX.

Also available as AWD.
by ram
Wed Sep 17, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

We bought a 2009 RX350 as CPO from a dealer in early 2012. We paid about $4k below asking price. Best vehicle we've ever owned. Normal maintenance so far (oil changes, tire rotations and a front end alignment.) all done by a small local independent shop. Actually haven't been back to the dealer abo...
by ram
Mon Sep 15, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: DINK 200K household income - ways to reduce taxable inco

Alright, I have to put in my standard retort that the cost of kids is highly exaggerated by many people. One doesn't have to spend much money on their kids if they don't want to. Agree with above based on the experience of raising 2 kids now in college. At one time our family of 4 (two kids) surviv...
by ram
Sun Sep 14, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3727

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Maintenance costs on a Lexus do not have to be sky high. Two things that I have done are (a) decline suggested service and (b) negotiate rates and services to a lower price. I can say that my 2001 had no service (including no oil changes) for years 11-12 of its life and it is still going strong. My...
by ram
Sun Sep 14, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Where you live, who is going to do the maintenance on a Lexus? As I recall, the warranty for Lexus is 4 years, so you might have a little left on a 2011 but it will need to go to a Lexus dealer for warranty service I imagine. Also, another poster mentioned the sky high maintenance costs on Lexus, w...
by ram
Sun Sep 14, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I had a thread on negotiating for a luxury SUV: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=137219 I think the asking price is a joke at Lexus dealers, so try to negotiate to 15% below the internet-posted price. In our area Lexus has 0% financing, so do your research because 0.9% sound...
by ram
Sun Sep 14, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Like you, we have owned a number of Honda and Toyota products well past their warranty period with no expensive maintenance surprises, unlike previous Volkswagen or Audi products. I live in the Midwest as well, and currently drive a 2011 ES 350, but we have fewer months of winter and less snow than...
by ram
Sun Sep 14, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Car Advice: When to Replace?

When we were younger and money was tight we bought a used 2 door Camry when a 4 door sedan would have been ideal. A used coupe is a buyers market and should serve your current needs. A young woman whose first delivery resulted in twins was the seller in our case.
by ram
Sun Sep 14, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2932

Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Over the years we have used many Toyota Camrys and Honda Accords and have been very satisfied with them. Our current vehicles are Honda Odyssey 2006 (65K miles) and Toyota Avalon 2006 (currently 130 K miles, bought in 2008 at 100K miles). We are very happy with the Avalon and the only real issue wit...
by ram
Sun Sep 14, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4534

Re: Clean, quiet, safe and cheap. Is there such a travel pla

I live in such a place. The 'cheap' will be cheap as in a rural midwest town. Will be more costly than many parts of rural Asia. Summer weather is excellent. Five months of snow. Also check out door county , Wisconsin on the banks of lake Michigan. This is crowded by rural midwest standards but noth...
by ram
Sat Sep 13, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5915

Re: If you had an extra $100,000

About 3 months ago an extra 100 K did fall in our lap. Daughter got a scholarship over 4 years for an amount slightly larger than 100K. Nothing has changed. I will be buying a new car as planned and I might spend $5000 more on it than otherwise planned.
by ram
Sun Sep 07, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7593

Re: "Student loan debt: How much is too much?"

I am inclined to believe that a loan more than your first year income after securing the degree is perhaps too much. Certainly loans > 1.5 times the first yr income are too much. Trainee physicians (Residents) that I work with are now having loans of 250 K and 300 K and that is influencing their cho...
by ram
Sat Sep 06, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Student loan debt: How much is too much?"
Replies: 6
Views: 1130

Re: Physician Long term Disability- Premium pre or post tax

Doctor, Which is a higher dose to you: 100 mg or 1.5 mg/kg? You can't answer until you know the weight. What is the premium and tax you will pay now. Is it a nickel or a million dollars or somewhere in between? I get your point. I am still waiting for all the details. But as the average adult patie...
by ram
Mon Sep 01, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1375

Re: Physician Long term Disability- Premium pre or post tax

Thank you everybody for the advice. I plan to pay post tax. Apparently it is taking longer than expected for the employer to set this up.
by ram
Mon Sep 01, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1375

Re: Ideas for thanking a doctor

My employer has a strict policy that a physician can accept gifts only upto $100 per year from all sources. In practical terms it means I only accept homemade jams, home baked bread and scarves knitted by the patients themselves only. I return event tickets, restaurant cards etc. Handwritten thank y...
by ram
Sat Aug 30, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5573

Physician Long term Disability- Premium pre or post tax

As of Oct 1, 2014 my employer, a large healthcare company is changing the physician long term disability product. The change was to decrease the cost of it to the corporation. The current policy pays 66.7% of current income upto a maximum of 15,000/ month. The new policy will pay 60% of current inco...
by ram
Sun Aug 10, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1375

Re: Memory foam mattresses - any insight?

Very happy with our tempurpedic. Paid less than $3000 (queen). For a small fraction of my net worth 30% of my life on this earth became much more comfortable.
by ram
Sat Jul 19, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 67
Views: 6581

Re: Transfer of assets to child. Tax strategy

Note: that $2000 figure people throw around? Its for kids with no jobs, no earnings. I don't know how much "essentially no money" is. If she makes $1000 one year, the $2000 isn't $2000. Lets say she makes $0 during the 4 yrs of med school. She was doing some babysitting and tutoring durin...
by ram
Sat Jul 19, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1187

Re: Transfer of assets to child. Tax strategy

Why make such a simple issue more difficult? Just give her the money and subtract it from your 10million dollar estate exemption. If you expect more then 10 million in estate in the future you will have bigger issues of estate planning then worrying about tax on a simple 120k. Good luck. Fair enough.
by ram
Sat Jul 19, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1187

Re: Transfer of assets to child. Tax strategy

The biggest challenge I see is your daughter will have an interesting Traditional vs. Roth decision to make during residency. At current tax brackets in 2013 (filing single/standard deduction) she is in the 15% tax bracket up to $46250 and capital gains are taxed at 0%. So most of the capital gains...
by ram
Sat Jul 19, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1187

Re: Transfer of assets to child. Tax strategy

If there are no tax advantages of transferring before age 24 I can always wait till then. There are advantages for her, but not for you. If she gets the money sooner, the gains belong to her. If you keep the money, then you get the gains, but you give the same amount, so really it costs you less. L...
by ram
Sat Jul 19, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1187
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