Search found 152 matches

by katnok
Mon May 07, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7872

Re: What career for smartest kid in the class?

And to the complaints about PA and NP providing services, do you realize that when your bank offshore their IT work to India, experienced people are laid off and replaced by a never ending rotation of recent college grads. Don’t be surprised when your bank/fund website is down, your ira rollover is...
by katnok
Sun May 06, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7872

Re: What career for smartest kid in the class?

And to the complaints about PA and NP providing services, do you realize that when your bank offshore their IT work to India, experienced people are laid off and replaced by a never ending rotation of recent college grads. Don’t be surprised when your bank/fund website is down, your ira rollover is...
by katnok
Sun May 06, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7872

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peo...
by katnok
Sun May 06, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7872

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peop...
by katnok
Sat Apr 28, 2018 3:00 am
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3181

Re: How stressful is buying a home?

jaj2276 wrote:
Fri Apr 27, 2018 3:14 pm
Buying a home isn't stressful. Owning a home is. Home ownership sucks.
Absolutely. I hate being a home owner, but tolerating it for the family.
by katnok
Sat Apr 21, 2018 4:24 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4906

Re: Factor in evaluating Physicians

4th year med student here, graduating next month-- My experience during 3rd/4th year rotations, in many private practice offices, is that most physicians are incredibly annoyed by Drug Reps. They come around 2-4 times/month wanting to show your their brochures, or even just to get a signature to pr...
by katnok
Sat Mar 31, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 101
Views: 13103

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

OldSport: I know exactly what you are going through. I just bought a 2018 Accord Touring with all the bells and whistles, and I'm happy with everything except the seat comfort. This is our 3rd Accord over the past 16 years, and I never thought I would be complaining about the seats. For me, it's jus...
by katnok
Mon Jan 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Thanks everyone.

We found a parking spot. Got here just about 9. There were still a good number of empty spots on the top of garage 2.
by katnok
Sun Jan 07, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

tiredguy wrote:
Sun Jan 07, 2018 8:43 pm
Is parking in Gaithersburg and taking the MARC in an option?
Unfortunately, not. We won't get there on time to catch the last train.
by katnok
Sun Jan 07, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

You should probably be fine but not 100% guaranteed. If it is all booked up, head down 270 a bit more and get off and park at Twinbrook. See here: https://ggwash.org/view/38790/which-metro-parking-lots-fill-up-and-which-dont Yes, considered this option as well, but likely we may face the same probl...
by katnok
Sun Jan 07, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Nearing_Destination wrote:
Sun Jan 07, 2018 7:09 pm
about the same likelihood as the M25 being clear all the way to Heathrow....


hey, Livesoft, how likely is that?
I'm familiar with M25. Last time I drove on this motorway was 11 years ago. Traffic was terrible. I guess it's worse now.
by katnok
Sun Jan 07, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Jcraz13 wrote:
Sun Jan 07, 2018 7:03 pm
Whatever the parking situation, stay the course ! :sharebeer
That's a good one.

In fact, staying the course (i.e. driving down all the way to downtown) is what we are going to do, if we run out of luck.
by katnok
Sun Jan 07, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1535

Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

We have a day trip planned from Hagerstown, MD area to downtown DC tomorrow (1/8/18). Planning on driving to Shady Grove Metro station, MD, then take the metro to downtown.

What are the chances of finding parking at Shady Grove Metro Station around 8.30-9am?

Thank you.
by katnok
Sat Jan 06, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I buy a one B/B apt in Bay Area? Help needed, please.
Replies: 18
Views: 1707

Re: Shall I buy a one B/B apt in Bay Area? Help needed, please.

Times are different. I would not purchase a property while on h-1b. There are just too many unknowns. +1 Completely agree. Right now, those who are on H1b have no idea what their future holds as there is speculation that there will not be visa extensions beyond 6 years (even if you are in line for ...
by katnok
Sat Nov 18, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 529 or not 529?
Replies: 21
Views: 2202

Re: 529 or not 529?

loklav wrote:
Sat Nov 18, 2017 6:48 pm

- we are not yet US citizen, so she could potentially go study in a different country

She does not have to be a citizen. As long as she is a permanent resident, she should be fine.

What's her current status? H4 or a legal permanent resident?
by katnok
Mon Nov 13, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Contribution limit for 2018
Replies: 2
Views: 957

Re: 529 Contribution limit for 2018

Thank you, chadnudj.

I live in PA, which allows the full amount to be deducted from state taxes.
by katnok
Mon Nov 13, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Contribution limit for 2018
Replies: 2
Views: 957

529 Contribution limit for 2018

I see that annual gift tax exclusion for 2018 is $15,000.
Based on this, is it correct to assume that I can contribute upto $15,000 to a 529 account in 2018?

Thank you.
by katnok
Fri Aug 11, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 20659

Re: Life at crossroads. What would you do ?

OP's reluctance to move to a LCOL is not uncommon, at least not among educated immigrant community. Having lived in this country for a little over 10 years, and with a good number of friends and family members working in Tech industry, my observation is that folks living in HCOL areas such as Bay Ar...
by katnok
Thu Aug 10, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1513

Re: Portfolio Review

Frenchy, Are you in primary care, such as Pediatrics? $175k/yr is on the lower side, even for primary care. Primary care salaries have gone up considerably in recent years, and definitely there are jobs that pay you well above (in the range of 225-250k) that plus take care of part of your loans (PSL...
by katnok
Sat Jul 01, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 24215

Re: Buying house - Very important decision

Given the size of the house, it's nearly certain that you will be spending at least 20k, if not more on furniture and related items. We bought a new house last year that has 24 windows altogether. We furnished all except 6 with Levlor blinds, which cost us 2k, and my wife wants the furnish the rest ...
by katnok
Thu Jun 29, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 24215

Re: Buying house - Very important decision

prettybogle, Do not rush to buy a house. As a single income (~200k/yr) family with 2 kids, we rented for 6 years before buying a house. Finally, we bought one last year after my wife also started working taking our HHI to 300K/year. We saved a lot while renting, taking our net worth from nearly zero...
by katnok
Thu May 11, 2017 5:09 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1427

Re: Do we need a separate water filtration system?

lthenderson wrote: I would be shocked if it cost more than $200 total so I would recommend getting other quotes for a water filtration system. $1000 sounds high to me.
I checked online, and there are some that are in $200-400 range, but not sure if they require professional installation.
by katnok
Thu May 11, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1427

Re: Do we need a separate water filtration system?

Are you on a well? If not then it's probably not needed. If you are, get your water tested. We have a reverse osmosis, we're in a well, the water can get pretty smelly without it. No, we are not, but the source is a well (or wells) owned and operated by the township. Will get the water tested, but ...
by katnok
Wed May 10, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1427

Do we need a separate water filtration system?

Where we live, the water is hard (about 10 grains per gallon), so we got a water softer installed about 6 months ago. The installer also recommended an under sink water filter for drinking water. Estimated cost is about $1000 for a system with a capacity of 3 gallons. It filters about 100 gallons/da...
by katnok
Fri Mar 17, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 4904

Re: Medical treatment in US for non US citizen

sam101,

How old is your niece? And if you do not mind sharing, what's her diagnosis?

This information might be helpful to check to see if the cost you mentioned is reasonable (if you are going to pay from your pocket), and also if she necessarily needs to be treated in the US.
by katnok
Fri Jan 27, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 46
Views: 5388

Re: Warning: Max out 401k early - lose some of the match

Krick, That's exactly hpw our 403b works. No true-up. Contribution rate has to be a whole percentage point. And we can not do a dollar amount. I brought it up with our HR, but was told they were not going to change any of that. What I do is, contribute the minimum to get the maximum match until some...
by katnok
Sun Oct 09, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 9200

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

OP here. After reading all the replies, I have decided to go ahead and test drive one (Probably Acura) sometime next year. Neither I nor my wife care for the "status" aspect of driving a luxury car. I just wanted to see if they offered additional comforts and driving pleasure (apart from better safe...
by katnok
Fri Oct 07, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 9200

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

Thank you. 1. No, I'm not contemplating buying a luxury car just because I can afford one, but I have had the "itch" for a while :D, so will pull the plug only if it adds value. 2. I have thought about test driving, but I'm not sure if it gives a good idea about what its like to drive longer distanc...
by katnok
Fri Oct 07, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 9200

Luxury Cars - Am I missing out on creature comforts by not driving one?

First off, I have never driven a luxury car, hence this post. Currently, we drive a 2007 Accord and 2011 Odyssey. There are no issues with them. I/we believe we can afford a luxury vehicle (such as Acura/Lexus), but I'm not willing to buy one unless they offer so much more than what our current cars...
by katnok
Thu Aug 18, 2016 4:29 am
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 6850

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

I'm also interested in knowing the instructions.
Can you please post the exact instructions and weight of your child on the day of the discharge?
by katnok
Sun Aug 14, 2016 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 2031

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

Actually it seems shockingly unfair if NRA's can contribute to IRAs for several reasons: 1) NRAs don't pay taxes on global income like citizens do, so they would be eligible for ROTH contributions even when their total global income would push a citizen into ineligibility This is not correct. As I ...
by katnok
Sat Aug 13, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 2031

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

I'm an NRA (but a resident alien for tax purposes) as well, but had no trouble opening an IRA and Roth with Vanguard 3 years ago. I doubt that they changed the rules since I opened my accounts. But that was three years ago. The account opening form used to ask two questions, one about your citizens...
by katnok
Sat Aug 13, 2016 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 2031

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

I'm an NRA (but a resident alien for tax purposes) as well, but had no trouble opening an IRA and Roth with Vanguard 3 years ago.

I doubt that they changed the rules since I opened my accounts.
by katnok
Sat Aug 13, 2016 5:33 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 20296

Re: Best Crossover SUV to purchase

Varick, I think you are confused by what you can afford to spend on your new car (doesn't necessarily mean brand new) and what your friends would like you to drive. There seems to be a bit of peer pressure. About 5 years ago, when I was looking for a car with a 3rd row, I had many suggestions coming...
by katnok
Thu Jul 28, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 50
Views: 5389

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: 958

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: 958

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: 958

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: 958

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: 958

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: 313

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: 313

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 work on un...
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: 12358

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: 1649

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: 1649

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: 310
Views: 63719

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: 4288

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: 2946

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: 2946

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: 1020

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...