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Re: Help me find a good slow cooker

Zojhirushi. I assume you mean Zojirushi, but I can't find one that meets the OP's needs. They do have a non-electric slow cooker; you heat the inner pot with the food on the stove and then put it in the insulated outer pot, close it, and walk away. Clearly, there is no timer or programming. Stainle...
by ram
Sun Apr 20, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 27
Views: 1348

Re: practicing medicine in Texas...

DireWolf wrote:Texas has the most common sense malpractice reform in the country. I would consider practicing there for this reason alone.

+1 ( I am not from texas)
by ram
Thu Apr 17, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 38
Views: 2526

Re: Help me find a good slow cooker

Zojirushi ( rice cooker). ( Edit - I did not understand the difference between a rice cooker and a slow cooker. But my wife certainly likes their rice cooker very much.)
by ram
Thu Apr 17, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 27
Views: 1348

Re: Buying new binoculars

Gatorman and everyone else.
Thanks for the guidance. I will look at some image stabilizing bonocs also. Plan to go to the store in the next 4-6 weeks.
by ram
Sun Mar 16, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying new binoculars
Replies: 14
Views: 1040

Buying new binoculars

We are going on a 14 day land plus cruise trip to Alaska in June and needed to buy a new pair of Binoculars. We hope to spend about $300 on it. Our current pair was bought about 10 yrs ago for <$50 for our then teenage kids. I was looking at a prior thread ( http://www.bogleheads.org/forum/viewtopic...
by ram
Sat Mar 15, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Buying new binoculars
Replies: 14
Views: 1040

Re: Trinity Study

I am wondering if somebody would be interested in doing this study. Might even make a decent publication- The aim of the study would be to reach conclusions such as - Start with a 4% withdrawal from yrs 1 to 10 of retirement - AND IF- 1. At the beginning of year 11 your portfolio is at >= 110% of in...
by ram
Wed Feb 05, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: Trinity Study
Replies: 20
Views: 1935

Re: Which turbo tax product - free flagship options

$177 is his self employment tax (social security@12.4% and Medicare @2.9%). SE Taxes are not the same as income taxes. Huey and Grabiner, Thanks. I get it. Actually part of the tutoring was as an employee of an internet based tutoring company and we will wait and see if he gets a W2 from them. -Ram
by ram
Mon Jan 27, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 983

Re: Which turbo tax product - free flagship options

On my son's income of 1250 from tutoring and babysitting the federal income tax came at at 177. This was business tax. We put the income under business (consulting etc). He has no W2 or 1099 Misc (no one source of income exceeded $600) and turbotax did not show any where to put 'wages' without a W2....
by ram
Sun Jan 26, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 983

Re: college related advice for 11th grader

I had a few questions I was hoping savvy Bogleheads might have answers to. My son is in the intense junior year of high school and I am trying to help maneuver an optimum pathway for the next two years by gathering information. Some are minor curiosity questions and others are important how to do i...
by ram
Fri Jan 17, 2014 1:16 am
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 105
Views: 5504

Re: college related advice for 11th grader

One other point worth considering: no matter how convinced he is now that STEM is what will interest him in college, I have seen others decide to change their majors and interests (as a result of burn-out or too competitive in extremely selective Universities) so consider as you narrow your choices...
by ram
Fri Jan 17, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 105
Views: 5504

Re: High Earners - What's Your Profession?

Retired physician. RMD is twice what I earned when working. LarryG Larry, That's commendable. As livesoft mentioned there are many physicians on this forum. Perhaps some advice from you about how you achieved it in the form of a new thread "Advice for young(er) physicians" would be approp...
by ram
Sun Jan 12, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22765

Re: Which turbo tax product - free flagship options

IIRC, in lieu of downloading, you can also order a CD from Intuit, compliment of Vanguard. I think the desktop version (download or CD) is easier to use than the online version. YMMV. Thanks Huey. That sounds reassuring. I am not a very technologically savvy guy and doing taxes is always somewhat a...
by ram
Sat Jan 11, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 983

Re: Which turbo tax product - free flagship options

Have never done download before. Is it any extra work. (I wold prefer to spend $50 rather than do 1 hr of extra tax work) If you are still using dial-up, it might take an hour, but I doubt it. In any case, just start the download, go grab a brew, watch the game, and come back after an hour. A one h...
by ram
Sat Jan 11, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 983

Which turbo tax product - free flagship options

Till last year as a family we have filed only a single tax return - married filing jointly. For the last many yrs we have used turbotax online option and are satisfied with it. For 2013 for the first time in their lives our 21 and 19 yr old children earned about $1500 and 3000. This income was from ...
by ram
Sat Jan 11, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 983

Re: Backdoor Roth IRA- Any changes for 2014?

Thanks mhc.

Doctev - Regarding converting existing TIRA to Roth the only significant thing I am aware of is the associated substantial tax bill. It is generally recommended that one should do it if one can pay the taxes from money outside of the TIRA. There are many 2 or 3 yr old threads about it.
by ram
Wed Jan 08, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA- Any changes for 2014?
Replies: 5
Views: 515

Backdoor Roth IRA- Any changes for 2014?

Are there any changes in rules for backdoor Roth IRA this year. Or is everything same as last year. I do not have any amount in Traditional IRA at present.
My plan is to simply put $5500 in Prime Money market in TIRA and change it the next day to Roth IRA.
by ram
Wed Jan 08, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA- Any changes for 2014?
Replies: 5
Views: 515

Re: road noise in your car

Toyota Avalon less noisy than Honda Odyssey.
Honda Odyssey with new michelin tires less noisy than with prior original tires.
Back country roads at 55 mph less noisy than highway at 65 mph.
by ram
Sun Jan 05, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: road noise in your car
Replies: 27
Views: 1968

Re: Attending/Resident Physician Couple - Porfolio Review

- You are doing great.
- No need for the 1% REITS
-I do not like TIPS for young people. Others here may disagree with me.
-Emerging markets- I over weigh them but haven't found it very useful. Things may change.
- Umbrella. OK for now. Increase it later. I keep it at 1.5 times my net worth.
by ram
Wed Jan 01, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Attending/Resident Physician Couple - Porfolio Review
Replies: 14
Views: 1849

Support the Boglehead site

Happy new year to everybody. 2013 was a good year for all investors. I just mailed a check for 0.05% of my investment returns for 2013.
by ram
Wed Jan 01, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Support the Boglehead site
Replies: 3
Views: 520

Re: What was your 2013 return?

20 - 22 %. Do not track more specifically . 88% stock, 12% bonds at present , but stocks exceeded 90% most of the year.
by ram
Wed Jan 01, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8531

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2070 ( 12% increase)
by ram
Wed Jan 01, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10645

Re: Fidelity HSA- $48/year

RAM, it is a good deal because you will avoid FICA tax. That will more than offset the fee if you have to pay it. mhc, Employees who earned more than $120,150 did not save the 6.2% SS tax by contributing $6450 to HSA thru the payroll (in 2013). Their balance of $113,700 was subject to all of the SS...
by ram
Wed Jan 01, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity HSA- $48/year
Replies: 15
Views: 1382

Re: Fidelity HSA- $48/year

Since I have a couple of accounts at Fidelity I was curious about this. I already have an HSA at HSABank where there are no fees if one keeps about $5,000 in the bank account paying 0.3% interest or more. If one leaves $4,925 in the bank account, the amounts above this can be invested at TDAmeritra...
by ram
Wed Jan 01, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity HSA- $48/year
Replies: 15
Views: 1382

Fidelity HSA- $48/year

As of today my employer is offering a HSA with Fidelity. Our 401K s and 457s are with Fidelity and employer will transfer money pretax to the HSA account. This saves the medicare tax (and SS tax for those with income below the SS limit). I went through the 27 page information and all I could see was...
by ram
Wed Jan 01, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity HSA- $48/year
Replies: 15
Views: 1382

Re: Which Med school?

As always I am happy to hear all opinions. Whereas some people think that Wash U, Harvard, Hopkins and Northwestern education may be better, virtually nobody seems to think that it is $200,000 better. (and this includes MDs who have attended some of these prestigious schools)
Will keep you posted.
by ram
Sat Dec 28, 2013 12:33 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

Thank you all for your input. Will keep you posted.
by ram
Thu Dec 26, 2013 1:01 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

UW Madison med school grad here. I would say if they are offering her the full tuition, take it in a heartbeat. Though there are likely more prestigious schools, I can't recall any negatives arising from UW, and over the years UW has placed its students into just about every residency there is, hig...
by ram
Thu Dec 26, 2013 1:00 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

Ram, First congratulations to your daughter on a great achievement. It looks like she will have several more acceptances coming in. Most of the advice here has been pro-state school. This is very sound logic especially given the new scholarship offer. Let me offer an alternative scenario. Have your...
by ram
Thu Dec 26, 2013 12:51 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

As a senior resident set to enter fellowship next year I would say take the deal at Wisconsin. Coming from a small private undergrad where I received a full ride I faced a similar dilemma: either full tuition at an Ivy League or 3/4 scholarship at my state school. I chose the latter and have no reg...
by ram
Thu Dec 26, 2013 12:35 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

As a young physician in fellowship, I would suggest the cheapest option. You learn the exact same information from the exact same text books at every school in the nation. Everyone takes the same board exams(USMLE). I would so much prefer not to have loans. Karpems, I completely agree with you. I h...
by ram
Thu Dec 26, 2013 12:25 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

Congratulations and Happy Holidays! All great schools-I would put UChicago well above middle tier private school (top 10 nationally for research oriented med schools). UWisconsin /Madison is of course very well regarded, with slightly more emphasis on primary care, and more graduates seem to match ...
by ram
Thu Dec 26, 2013 12:17 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

There is some value in attending a "big name" private school - i.e. Mayo, Harvard, etc. Whether that added value is "worth it" for the cost is a different question, and largely depends on individual goals. However, there will be no added value at all in attending a "middle ...
by ram
Thu Dec 26, 2013 12:09 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

Now she has one more decision to make. UW Madison is offering her full tuition scholarship for four years. She only needs to pay for room, board, car etc (anticipated cost $70,000 over four years). She has been accepted at Northwestern, Chicago. (No scholarship, anticipated cost 280,000). I asked he...
by ram
Wed Dec 25, 2013 12:22 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: 2014 Boglehead Predictions Thread

1. Intt stocks will do better than US stocks.
2.EM will do better than total Intt.
by ram
Wed Dec 25, 2013 12:04 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 53
Views: 4430

Re: One cent over on HSA, now what?

If it was me I wouldn't worry about it. Why are you using HSA Bank? Isn't the rate of return very low in addition to being fee after fee? . Because it gives an extra $0.01 :D I pay a $5.50 monthly fee ( 3.00 + 2.50). I leave about $100 in cash in the savings ac to cover the fee for a year. The 6350...
by ram
Sat Nov 30, 2013 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: One cent over on HSA, now what?
Replies: 16
Views: 1668

Re: One cent over on HSA, now what?

livesoft wrote:I was over by less than a dollar and there have been no tax consequences. Everything rounded to the lower whole dollar amount when I filed with TurboTax. No harm, no foul. Move along, nothing to see here.

That is reassuring. I have the extra penny issue also.
by ram
Sat Nov 30, 2013 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: One cent over on HSA, now what?
Replies: 16
Views: 1668

Re: should my nephew apply to a top-tier university?

This is something we wrestled with last year. Our son had almost identical SAT scores as the OP along with an 800 on the writing section. We did all the net price calculators and never got close to a response showing any aid. Following livesoft's theory my son applied to and was accepted to a top f...
by ram
Thu Nov 28, 2013 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11268

Re: should my nephew apply to a top-tier university?

I am going to repeat myself and mention again, in this same thread (because I think it's so important for students and their parents to be aware of this), that truly top students who fall inbetween low-income and my-parents-can-spare-$250000-no-problem should look at the top tier schools that offer...
by ram
Tue Nov 26, 2013 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11268

Re: International health insurance for 8-wk Canada trip?

My employer (> 5000 employees) provides travelgard insurance when travelling outside US on work or leisure. I have never used it. Others have had good experiences.
by ram
Fri Nov 22, 2013 12:42 am
 
Forum: Personal Consumer Issues
Topic: International health insurance for 8-wk Canada trip?
Replies: 18
Views: 1283

Re: 'Phi Kappa Phi' membership. Worth it?

Thanks Puppymama. She elected not to join and has acceptances from 3 med schools at this time.
by ram
Mon Nov 18, 2013 7:09 pm
 
Forum: Personal Consumer Issues
Topic: 'Phi Kappa Phi' membership. Worth it?
Replies: 27
Views: 6924

Re: Do Bogleheads have a number?

I have a number and I'm only 24, although it's more aspirational than informational at this point. $1.33 in 2013 dollars in case you're wondering. I figure we can easily live off $40k after a house is paid for; planning for an early retirement & 3% SWR. Mlipps, We would all like to know how you...
by ram
Sun Nov 10, 2013 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11123

Re: Poll: How conservative/aggressive is your AA for your ag

Longer training, shorter working life. This means that my "investment age" is lower than my 'chronological age' during most of my working life. I am therefore more aggressive than my chronological age should suggest. (I have answered this poll based on chronological age) However I think th...
by ram
Sun Nov 03, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 5893

Re: A Social Security "working couple bonus?"

Nisiprius,
The couple with equitable income will be paying into SS double of what the couple with the inequitable income. Would that not affect the calculations.
by ram
Sun Oct 27, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: A Social Security "working couple bonus?"
Replies: 18
Views: 1681

Re: Rebalance and Pay The Piper (Tax Man)?

The fact that you can live on 2% savings suggests that you have a higher than usual 'ability' to be aggressive in your stock: bond allocation. As such I would wait till 2014.
by ram
Sun Oct 27, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and Pay The Piper (Tax Man)?
Replies: 47
Views: 2026

Re: Wisconsin Bogleheads Meeting- Green Bay- November 3rd

May I suggest door county or on some of the lakes during the warmer months for 2014 and later. On a saturday so that people can stay 1 or 2 nites if desired as a vacation in addition to the meeting.
by ram
Thu Oct 24, 2013 10:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin Bogleheads Meeting- Green Bay- Future Meeting
Replies: 6
Views: 717

Re: Why can Auto Insurers give Educational Discounts ?

My now-husband and I's insurance went down by 50% went we got married in May. Tell me how that one makes sense. I have driven motor cycles all my life. I became a safer driver once I was married and more so when my first child was born. The number of motor cycle miles/year dwindled substantially as...
by ram
Thu Oct 24, 2013 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why can Auto Insurers give Educational Discounts ?
Replies: 31
Views: 1336

Re: Net Worth Survey 2014

I would include a "I refuse to answer" option where pertinent. When doing statistical analysis you can then remove these responses from the denominator.
by ram
Thu Oct 24, 2013 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014
Replies: 58
Views: 8335

Re: Which Med school?

She has been accepted at Case Western, Cleveland. She has interviewed at Vanderbilt, Emory and John Hopkins and their decision is awaited.
by ram
Thu Oct 24, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669

Re: Which Med school?

First off, congratulations Ram! I'm sure your daughter will see many more acceptances in the weeks to come. I was lucky enough to graduate from a med school where my late father was faculty, and was honored to actually receive my degree from him. You must be very proud! I do have a question about a...
by ram
Mon Oct 21, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10669
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