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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 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax repercussions of five separate 529 accounts.
Replies: 9
Views: 857

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 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6868

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 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9786

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 7:43 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8339

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 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1699

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
Fri Sep 26, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Binoculars appropriate for a 6-year-old?
Replies: 11
Views: 945

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 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 1520

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 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3669

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 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2881

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 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4319

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 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5823

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 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7430

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
Sun Sep 07, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: "Student loan debt: How much is too much?"
Replies: 6
Views: 1105

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 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1268

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 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1268

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 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5126

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 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1268

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 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5634

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 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

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 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

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 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

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 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

Re: Transfer of assets to child. Tax strategy

Thanks. I changed it to 2014 as the 2013 tax time is over. I will read the tax rules as you suggest. I think I may have made a significant mistake about the age thing. If age has nothing to do with dependency then I may simply have to wait till 2018 when she starts earning 45K per year and will be c...
by ram
Sat Jul 19, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

Re: Transfer of assets to child. Tax strategy

Will she be married by then ( 12-31-2014)? - No. Will she still be your dependent?- Yes Otherwise, it is end of the year for Form 8615. When Form 8615 must be filed. Form 8615 must be filed for a child if ALL of the following statements are true. 1. The child's unearned income was more than $2,000....
by ram
Sat Jul 19, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

Transfer of assets to child. Tax strategy

When my daughter graduated from high school in 2010 I had promised her $250,000 for her education. If she needed more she would take a loan and if she needed less the balance would be hers. For undergrad she attended the flagship in state school (UW, Madison) on partial scholarship instead of Johns ...
by ram
Sat Jul 19, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1170

Re: Wisconsin - Madison Meetings - Master Thread

I cant make it today, but will try in the future.
by ram
Sat Jul 19, 2014 10:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 41
Views: 2951

Re: SAT preparation

My son used Princeton and college board books and no other courses. Got a 36 on ACT, 2300+ on SAT and is getting a full tuition scholarship at Vanderbilt Univ at present.
by ram
Sat Jul 12, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 30
Views: 2578

Re: Which Med school?

Shocking to me that she was accepted to schools like Northwestern and Vanderbilt (excellent schools), and not even offered interviews at schools like Tufts and Tulane which I would not consider to be as selective. Any thoughts? Was her application too good for those schools? Many posters recommende...
by ram
Mon Jul 07, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 13172

Re: Which Med school?

EmergDoc wrote:I'm amazed at how involved you were in the process. I don't think my parents could have told you which schools I interviewed at.

Whereas I know where she was accepted at, the list 1 - 20 is a cut-paste job from the Email she sent me and her younger brother who cleared MCAT last week.
by ram
Sun Jul 06, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 13172

Re: Which Med school?

My daughter will be joining Univ of Wisconsin, Madison med school next month. As mentioned before she will be getting full tuition scholarship, which amounts to about $100,000 over four years (in state rate). I would like to thank all of you who gave excellent advise which helped her make the decisi...
by ram
Sun Jul 06, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Med school?
Replies: 152
Views: 13172

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: 29
Views: 2343

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: 56
Views: 14196

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: 29
Views: 2343

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: 1277

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: 1277

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: 2087

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: 1118

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: 1118
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