Search found 103 matches

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: 853

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: 1429

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: 1429

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: 1429

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: 16
Views: 1459

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: 16
Views: 1459

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: 16
Views: 1459

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: 16
Views: 1459

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: 16
Views: 1459

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: 4809

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: 2933

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: 2933

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: 775

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: 1067

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: 1067

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: 1067

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: 2468

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: 1496

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: 4892

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: 2400

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: 2400

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: 2400

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: 8655

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: 68037

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: 2425

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: 2425

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: 2425

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: 2425

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: 1806

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: 3877

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: 3877

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: 3877

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: 6105

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: 6105

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: 6105

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...
by katnok
Mon Apr 13, 2015 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 4459

Re: Graduating Medical Student- Rent vs. Buy in Residency

We rented during my residency, and had to move once but it was smooth. 5 yrs after residency, we are still renting and couldn't have been happier. The decision to rent was based on several factors. Didn't have money for down payment, was not sure if my employer and I were going to like each other or...
by katnok
Mon Mar 30, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 4361

Re: Improving English Language Proficiency- Please suggest B

OP here.

Thank you all for the great suggestions!

I have already purchased a few books based on initial recommendations, but will definitely look at other resources you guys suggested.
by katnok
Mon Mar 23, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 5149

Re: Urgent Care Centers - When should they be used?

Think twice about taking your child to a *general* Urgent Care center. They are often staffed by doctors, NPs and PAs who have limited experience working with children. My wife is a pediatrician, and she has come across many cases of incorrect medication doses, inappropriate management, etc. This i...
by katnok
Mon Mar 23, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 5149

Re: Urgent Care Centers - When should they be used?

A couple of thoughts related to UCs: I am not sure about Urgent Cares in cities, but in my small community (there are about 5 in a radius of 15 miles), ALL without exception provide poor quality of care. The providers, most of the time an NP or a PA, try to please the patients and give them whatever...
by katnok
Mon Mar 23, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 4361

Re: Improving English Language Proficiency- Please suggest B

Thank you for all the great suggestions! Epsilon delta - I love to read, and in fact, my English is as good as it is, mostly because of reading (read quite a few books by Sidney Sheldon while in college). The reason, why I also wanted a grammar book is there are times when I have to think about rule...
by katnok
Mon Mar 23, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 4361

Improving English Language Proficiency- Please suggest Books

Can you guys please suggest a few good books to improve my English language skills? Though my education was in English for the most part, my native language isn't. So, I spoke exclusively in my native language until about 18-20 yrs of age (I'm 37 now). I can communicate reasonably well both in writi...
by katnok
Mon Jan 19, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2489

Re: Will I be able to retire at 55?

Thank you all for the replies. 1. I agree that there are a lot of unknowns between now and my desired retirement age. However, we are ready to make some changes to our lifestyle if that's necessary. Fortunately, my wife is on the same page. 2. As far the kids expenses, though we would like to set as...
by katnok
Mon Jan 19, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Will I be able to retire at 55?
Replies: 13
Views: 2489

Will I be able to retire at 55?

My wife and I are 34 and 37 respectively, and we would like to be able to retire when I am 55. We have 2 young kids (3&5). Our financial goals: 1. Buy a house : Currently renting, will continue to do so for the next 3 yrs or so, when we would like to buy a house. Our budget for this is about 400...
by katnok
Wed Dec 31, 2014 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 4706

Re: Why donate to charity?

Short answer. You don't donate to save money (because you won't). You donate to give money. This from an above post explained it: Scenario 1: You do not donate to any charity. You: + $0.67 IRS: + $0.33 Charity: $0 Scenario 2: You donate the buck to charity. You: +$0.33 IRS: -$0.33 Charity: +$1.00 I...
by katnok
Sat Dec 27, 2014 10:30 am
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2591

Re: How to choose Fabric Sofas?

Thanks for all the replies! I didn't know there was so much to buying a sofa. Consumer Reports has done a number of reports over the years on how to buy a sofa. Here's a link to one: http://www.consumerreports.org/cro/home-garden/bed-bath/home-decoration/upholstered-furniture/size-up-furniture-like-...
by katnok
Thu Dec 25, 2014 12:25 pm
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2591

Re: How to choose Fabric Sofas?

TheTimeLord wrote:Definitely no looking at leather with kids that age.


That's exactly what we did 4 yrs ago, and now there are tears everywhere. So, no more leather furniture for us.
by katnok
Thu Dec 25, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 2591

How to choose Fabric Sofas?

We are looking for furniture for our living room, and zeroed in on fabric kind for sofa and love seat. My questions are: 1. Does having two young kids (3&5) at home have any bearing on the kind of sofa (fabric vs others) that you would choose? 2. How do I know the quality of the fabric? Are ther...
by katnok
Mon Dec 01, 2014 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1155

Re: Does contributing to 457b make sense in my situation?

Thanks for the replies. I will stay away from 457 at least for now.
by katnok
Sun Nov 30, 2014 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1155

Re: Does contributing to 457b make sense in my situation?

I am not worried about the funds in 457 being accessible to creditors as the odds of that situation arising are extremely low given my time horizon with this employer.
by katnok
Sat Nov 29, 2014 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1155

Does contributing to 457b make sense in my situation?

Hi all. My employer offers both 403b and 457b (non-governmental), but all these years I have maxed out the former but not contributed any to the latter.The reason for not contributing to 457 is that I may (not certain but quite likely) move from my current job in about 2-3 yrs. If the future employe...

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