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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 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job offering me a new schedule...
Replies: 8
Views: 881

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
Sat Feb 28, 2015 3:23 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 170
Views: 12081

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
Fri Feb 27, 2015 1:09 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5075

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 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young physician seeking to simplify a windfall portfolio
Replies: 3
Views: 1210

Re: 10 Interesting facts about the S&P500

10 to 20 % of the initial list is my guess.
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: 3547

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
Wed Feb 25, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8803

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
Thu Feb 12, 2015 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6379

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 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6379

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 11, 2015 9:11 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4647

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 Feb 04, 2015 11:49 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9005

Re: Hawaii Visit (Maui). Need advice

Thanks for all the advice. I am there now and enjoying it. More details upon return.
by ram
Wed Jan 28, 2015 2:03 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2559

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
Sun Jan 25, 2015 12:45 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2559

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
Sat Jan 24, 2015 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2559

Re: Adjusted Livesoft Income (ALI)

What about disability payments. This would be tax free if the premiums were taxed.
by ram
Tue Jan 20, 2015 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 36
Views: 4009

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
Sun Jan 11, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: marriott point value
Replies: 4
Views: 909

Re: Finance My Son's Law School

Deleted.
(After I noticed that OP wanted it closed)
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: 4496

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
Fri Dec 19, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 151
Views: 23180

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: 1979

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: 5814

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: 1812

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: 4825

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: 4070

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: 3268

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: 5239

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: 5239

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: 5239

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: 3709

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: 3709

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: 3865

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: 5982

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: 1169

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: 4587

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: 901

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: 14145

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: 10721

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: 12976

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: 1958

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: 4887

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: 1036

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: 4887

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: 1641

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: 4887

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: 4887

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: 4887

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: 4887

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: 4887

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: 4887

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: 3790

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: 4887
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