Search found 118 matches

by katnok
Thu Jul 28, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 35
Views: 2214

Re: Convince me not to go to grad school

Moving is not an option since my wife is locked into a contract for the next 3 years and we are only a year into our mortgage. What does your wife do? I don't think a 3-year contract necessarily means she can not leave for 3 years. She might be able to leave with an adequate period of notice (60-12...
by katnok
Fri Jul 22, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 715

Re: Floor Lamp Recommendations?

Honestly, there is very little to say without an incredible amount of more information, not the least being what your design inclinations are. The preexisting style of the house matters too, to some extent, but more so the type of furniture you already have. Floor lamps can be modern, transitional,...
by katnok
Fri Jul 22, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 715

Re: Floor Lamp Recommendations?

Honestly, there is very little to say without an incredible amount of more information, not the least being what your design inclinations are. The preexisting style of the house matters too, to some extent, but more so the type of furniture you already have. Floor lamps can be modern, transitional,...
by katnok
Fri Jul 22, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 715

Re: Floor Lamp Recommendations?

123,

They do not have a store where I live (PA), but I checked their site and they ship to all 48 contiguous states.

Thank you.
by katnok
Fri Jul 22, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 715

Re: Floor Lamp Recommendations?

Thanks, apex84.
I checked out Ikea link you provided and they look nice. Will plan on checking them in the store as well.
by katnok
Fri Jul 22, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 715

Floor Lamp Recommendations?

We are in the process of closing on a house that doesn't have ceiling lights in the living room or bed rooms. During the day, there is going to be plenty of natural light because of the number of windows everywhere. We prefer that at least the living room is well illuminated at night. Please make re...
by katnok
Fri Jul 01, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage with a different lender while the 1st one is pending
Replies: 2
Views: 256

Re: Applying for mortgage with a different lender while the 1st one is pending

Orca, I'm not worried about getting $500 back, but wondering if there are going to be any additional fees, charges that I'm not aware of that the lender may charge, if I withdraw it at this stage.
by katnok
Fri Jul 01, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage with a different lender while the 1st one is pending
Replies: 2
Views: 256

Applying for mortgage with a different lender while the 1st one is pending

Dear bogleheads, I have applied for mortgage with lender "A" 3 days ago, and submitted all the documents electronically. So far, they have not done anything other than collecting all the documents and pulling credit report. Appraisal has not been done yet. They said, now they are going to ...
by katnok
Sun Jun 19, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 8315

Re: Dr. Charges Facilities fee of $300 - what should I do?

You are wrong. Many times the doctor is an employee of a healthcare system and does NONE of the billing. In this case the doctor probably gets nothing from the facility fee and could care less if the patient even pays the bill. He or she probably signs the back of the checks and not the front of ch...
by katnok
Wed May 25, 2016 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 403(b) fees
Replies: 17
Views: 1026

Re: Trying to understand my 403(b) fees

Thank you, njboater74 and know36.
by katnok
Wed May 25, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 403(b) fees
Replies: 17
Views: 1026

Re: Trying to understand my 403(b) fees

Looking at your list of funds available in your Voya 403b, I think you are contributing to a Voya annuity 403b. Know36, I'm asking because I don't know. How can you tell that they are annuities? If they are, isn't that made obvious in the prospectus one receives at the time of signing up for the pl...
by katnok
Sun May 15, 2016 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23913

Re: Physician Retirement Savings

The amounts saved my many MDs here is not typical. For one, most MDs are primary care which typically make under 200k. Next, they are posting here on bogleheads which says a lot. Third, I am not sure the indebted divorced 45 y/o Cardiologist with a vacation home is going to post saying how he has a...
by katnok
Wed May 04, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 26
Views: 3601

Re: Sue your employer over 401k

In my case, we do have low cost options (Vanguard), but this benefit is offset by the fact that we pay close to 1% in asset management fees + advisory fees. Recently, I met with a rep from the company that manages our plan, and she made it clear to me that my employer bears pretty much no cost becau...
by katnok
Tue May 03, 2016 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Early Financial Independence
Replies: 28
Views: 2383

Re: Portfolio Help for Early Financial Independence

You are paying 25% + 6.25% = 31.25% on the $225. Why are you doing that? If you put the $225 into the Trad. 401K, you will save 31.25% tax. STOP putting extra payment into your mortgage. KlangFool KlangFool, Correct me if I am wrong, but I do not think 401k/403b contributions are state tax deductib...
by katnok
Tue May 03, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Early Financial Independence
Replies: 28
Views: 2383

Re: Portfolio Help for Early Financial Independence

You are paying 25% + 6.25% = 31.25% on the $225. Why are you doing that? If you put the $225 into the Trad. 401K, you will save 31.25% tax. STOP putting extra payment into your mortgage. KlangFool KlangFool, Correct me if I am wrong, but I do not think 401k/403b contributions are state tax deductib...
by katnok
Sun Mar 20, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any government hospitals in NewYork for low cost treatment?
Replies: 6
Views: 908

Re: Are there any government hospitals in NewYork for low cost treatment?

OP, because you asked why something as simple as sore throat would cost $120, I am going to try to answer that: While most sore throats are simple, not everyone with a sore throat has a simple diagnosis. Sometimes, you may have a relatively significant or serious underlying diagnosis. For example, i...
by katnok
Tue Mar 01, 2016 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our first home - Should I sign a buyer contract?
Replies: 13
Views: 1514

Re: Buying our first home - Should I sign a buyer contract?

OP here. Thanks for the replies!

After going through the replies, and some from the previous posts by others in a similar situation, I have just gone ahead and signed a contract specific for the house we are going to make an offer on.

Thanks again!
by katnok
Mon Feb 29, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our first home - Should I sign a buyer contract?
Replies: 13
Views: 1514

Re: Buying our first home - Should I sign a buyer contract?

Thank you. Initially, the agent wanted me to sign a contract that would require us to buy any house through him until contract ends (on a specific date). However, I have asked, and the agent agreed to make it specific to this particular house. As I said, this being our first house, I wanted to educa...
by katnok
Mon Feb 29, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our first home - Should I sign a buyer contract?
Replies: 13
Views: 1514

Buying our first home - Should I sign a buyer contract?

We are in the market for our first ever house, so our knowledge is limited as far as the buying process is concerned. We wanted to make an offer on a particular house through an agent who is working with us. To make the offer, the agent wanted us to sign a Buyer Agency Contract. The agent stated tha...
by katnok
Sun Feb 14, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2631

Re: Cell Phone plan for 2 - Recommendations?

Thank you, bloom2708!

I just checked, and my Note 3 works with Cricket Wireless.
Never heard of Ringplus before, so I checked it out as well. Wow, they do have a free plan! This should work quite well for mother-in-law, who rarely uses her phone.
by katnok
Sun Feb 14, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2631

Re: Cell Phone plan for 2 - Recommendations?

Thank you.

I did check out Cricket Wireless. My wife's iphone 6 is allowed as a BYOD, but not my Samsung Note 3 (Verizon). Unless I want to buy one of their phones, I can not use my phone on their network.
by katnok
Sun Feb 14, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2631

Re: Cell Phone plan for 2 - Recommendations?

Thanks, Toons.

Let me provide some additional requirements (not strict, though):

1. Preferably AT&T or one of the MVNOs that uses the network
2. Plans that offer a discount for additional lines
3. Plans that allow BYOD

Thanks!
by katnok
Sun Feb 14, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2631

Re: Cell Phone plan for 2 - Recommendations?

I'm sorry, my original post did not come out the way I wanted it to.

My usage: 500-1000 minutes/mo, 200-300 texts/mo and 500-1000mb data/mo

Spouse: 500-1000 minutes/mo, 300-400 texts/mo and 300-500mb data/mo


Than you
by katnok
Sun Feb 14, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2631

Cell Phone plan for 2 - Recommendations?

My current Verizon contract is going to end next month. My wife is currently with Pageplus cellular, $29.95/mo plan. Going forward, I would like to get a prepaid or no-contract plan that makes the most financial sense for my situation. My usage Spouse Minutes: 500-1000/mo 500-1000/mo Texts: 200-300/...
by katnok
Fri Feb 12, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5209

Re: Best Car for Family of 5?

We have an 8yr old Accord and a 4 yr old Odyssey, but I prefer to drive Odyssey. May be its the model, but the ride is more comfortable in the Odyssey (EX-L). Even with 2 children, I feel a minivan is a better practical choice over an SUV or those with a non-functional 3rd row. PS: Yes, I'm a man, a...
by katnok
Mon Jan 04, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: How do you keep your young kids busy/occupied?
Replies: 37
Views: 3229

Re: How do you keep your young kids busy/occupied?

Thank you all for your replies! We have done what some of you have done/recommended, such as play doh (they spoiled the carpet), legos, watching Peppa pig (which I think is good for them), puzzles etc. For some reason, they don't like cars, so never bought hot wheels. Will consider getting Lincoln l...
by katnok
Sun Jan 03, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: How do you keep your young kids busy/occupied?
Replies: 37
Views: 3229

How do you keep your young kids busy/occupied?

We have 2 girls, 4&6, who we struggle to keep busy or occupied on weekends and holidays. 6 year old is in 1st grade, and the other one in preschool. We try to engage them in household chores, but there aren't many things that are appropriate for them. They like to color, but not for too long. Wa...
by katnok
Tue Dec 15, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Term Life Insurance (Term4sale alternatives?)
Replies: 9
Views: 847

Re: Getting Term Life Insurance (Term4sale alternatives?)

I got my 20 yr term through term4sale, and my experience has been positive. In fact, I have recommended them to several others that were looking to buy term insurance.
by katnok
Fri Dec 11, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in 3-6 months: Can we get current interest rates locked for 6months?
Replies: 10
Views: 1159

Re: Buying a house in 3-6 months: Can we get current interest rates locked for 6months?

I will check with lenders to see if I can get a longer rate lock period.

Thank you.
by katnok
Thu Dec 10, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in 3-6 months: Can we get current interest rates locked for 6months?
Replies: 10
Views: 1159

Re: Buying a house in 3-6 months: Can we get current interest rates locked for 6months?

Thanks for your replies.
No, I do not have a contract. In fact, we haven't even started looking at the houses (other than on Zillow).
As for the extra money to keep the rate locked for a longer period, how much is it likely to be? If it matters, our budget for the house is 350k-400k.
by katnok
Thu Dec 10, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in 3-6 months: Can we get current interest rates locked for 6months?
Replies: 10
Views: 1159

Buying a house in 3-6 months: Can we get current interest rates locked for 6months?

We are planning on buying (or building) a house in the next 3-6 months. As most of you are aware, there is a good chance interest rates are going to go up. My credit score and history are excellent, so I am very confident that we would qualify for the best interest rate. My question is, given our ti...
by katnok
Tue Oct 27, 2015 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto Medical Foundation ripoff - how to handle?
Replies: 36
Views: 2702

Re: Palo Alto Medical Foundation ripoff - how to handle?

In medicine, procedures in general cost a lot more money that what most patients think should cost. However, there is a level of skill involved in every procedure, and its not fair to put a value simply on the amount of the time it took to complete a procedure. Keep in mind that there have been many...
by katnok
Thu Oct 08, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Household income increasing 2 fold, investment ??
Replies: 21
Views: 1592

Re: Household income increasing 2 fold, investment ??

My guess is you are from India, and likely you are on a visa. Are you?

If not, please ignore the rest of the reply.

If yes, are you planning on retiring in the US or will you be going back at some point in time? This will be important in making investment decisions.
by katnok
Thu Sep 24, 2015 8:40 pm
Forum: Personal Consumer Issues
Topic: medical billing: crime or just mistakes?
Replies: 48
Views: 5148

Re: medical billing: crime or just mistakes?

Here's another example of how insurance companies not want to pay... One of the Medicaid insurances that we accept denies ALL claims for 'inpatient coverage' stating the patient's condition doesn't meet the criteria for inpatient coverage, but would cover only for observation status DESPITE meeting ...
by katnok
Mon Jul 20, 2015 6:20 am
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2505

Re: Replacing wireless router - advice needed

OP here. Thank you very much for the suggestions!

Will try the recommendations sometime this week and see if I can get this sorted out.
by katnok
Sat Jul 18, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2505

Re: Replacing wireless router - advice needed

The Motorola modem is pretty solid. So you can't go wrong with that. Just make sure you get DOCSIS 3.0 Thank you. My current modem/router combo is Motorola surfboard sbg6580 that I bought about 3 yrs ago. Modem is still good, but wifi has been quite slow lately. Definitely go separates. Your modem ...
by katnok
Sat Jul 18, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2505

Replacing wireless router - advice needed

My ISP is comcast, and I use my own Modem/Router combo. Recently, the internet speed has been pretty slow, so I called the ISP. Speed test showed that the speed is pretty good when laptop is connected to the modem/router using a LAN cable, but very slow on wifi. Comcast determined that the issue is ...
by katnok
Mon Jun 22, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8992

Re: Should my husband become a nurse?

I know many nurses and a few doctors do it for the money and stable career. I'm sure there are many, but there has to be something in them where they like it to a point. I think the medical field can be horrible if it is not the right fit for your personality. +1. Also, as a physician, I have known...
by katnok
Mon Jun 15, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 70540

Re: Share your networth progression

2007 (age 30) - 12k (salary- 42k) 2010 (age 33) 20k (salary bumped to 190k) 2015 (age 38) 700k (salary ~ 190k) Married. Single income. 2 kids, one in preschool and the other in private school (approx 14k/yr for both). Renting. No debt except for auto loan Over the past 5 years, we have saved ~ 90k/y...
by katnok
Thu May 21, 2015 5:51 am
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 2580

Re: A trip to Disney World - What are the best days during Christmas time?

OP here. Thanks for your suggestions. Wow. I didn't expect to hear an unanimous ‘no'. The reason why we even thought of going around Christmas time was to avoid the crowds and hot weather during summer months. Though we can visit at other times of the year, we have a kid in school, and were not real...
by katnok
Wed May 20, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 2580

Re: A trip to Disney World - What are the best days during Christmas time?

OP here.
Thank you for your suggestions.

I Just edited my original post to clarify the Disney we are planning to go to. We would like to go to Disney world in Orlando.

Thank you.
by katnok
Wed May 20, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 2580

Re: A trip to Disney - What are the best days during Christmas time?

Will the fact that we will be staying at a resort inside the Disney make a difference?
by katnok
Wed May 20, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 2580

A trip to Disney World - What are the best days during Christmas time?

Dear Bogleheads, We are planning a trip to Disney (Orlando) for a week towards the end of Dec 2015. What are the best 7 days between Dec 22 and Jan 2 as far as the Flight tickets, crowd and any special events are concerned? Not concerned about hotel as its kind of taken care of already. I would appr...
by katnok
Mon May 11, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1959

Re: New car, lease or buy?

My own experience with leasing: In 2011, we were in the market to buy a minivan. For a reason that I don't think is important to mention here, I had to go for leasing. So, we leased it and then bought it after the lease was over. 2-yr lease 2011 Odyssey EX-L Price: approx 34k Residual value after 2y...
by katnok
Thu Apr 23, 2015 5:48 am
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 4469

Re: Physicians: What's your vacation policy?

Because vacation is something that's written in the contract, shouldn't there be a mutual agreement to change it?
by katnok
Wed Apr 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 4469

Re: Physicians: What's your vacation policy?

staythecourse wrote:How about just asking why they are making this decision?

We did, and were told this is how it is for non-physicians and they want to make it uniform across the organization. A follow up question from us was why it had to be the same for everyone, and the response was that it was board's decision.
by katnok
Wed Apr 22, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 4469

Physicians: What's your vacation policy?

My employer is proposing changes to the way vacation works. Currently we get 4 weeks of vacation, which we do not have to "accrue", but that's going to change soon. The way its going to work is, we accrue vacation based on the numbers of hours worked. So, for example, if you want to take a...
by katnok
Wed Apr 22, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 6592

Re: Is 2007 Accord 60K mile service worth $300?

OP here. Sorry, I couldn't respond sooner. Thanks all for the great discussion. Unfortunately, I am not a DIY guy. Particularly, I don't want to mess with something like a car (As a kid, I did mess with radios and such though). I found a Honda dealer that's going to do this 60K "B" mainten...
by katnok
Mon Apr 13, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 6592

Re: Is 2007 Accord 60K mile service worth $300?

Here is what they are going to do: 1. Change the engine oil and oil filter 2. Rotate the tires. 3. Inspect the front and rear brakes. 4. Check all fluid levels and conditions. 5. Check brake lines and hoses, cooling system hoses and connections and fuel line hoses. 6. Replace spark plugs. 7. Replace...
by katnok
Mon Apr 13, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 6592

Is 2007 Accord 60K mile service worth $300?

My 2007 Accord, which has 60K miles, is due for 'B' maintenance. So, I called a few Honda dealerships, and the cheapest quote I received was $300 + Taxes. Honestly, I do not know if this is worth the money. I have never had regular servicing done anywhere other than at Honda, but do not remember any...

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