Search found 135 matches

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: 16286

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: 1192

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: 220
Views: 17347

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: 220
Views: 17347

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: 1175

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: 1175

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: 1175

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: 4056

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: 32
Views: 2282

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: 8542

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 b...
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: 8542

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 , 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...
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: 8542

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: 6252

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: 1641

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: 1641

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: 1641

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: 17521

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: 4910

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: 871

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: 871

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: 871

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: 871

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: 871

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: 290

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: 290

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: 11255

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: 1477

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: 1477

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: 277
Views: 45515

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: 4022

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: 2738

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: 2738

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: 978

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: 1661

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: 1661

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: 1661

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: 3120

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: 3120

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: 3120

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: 3120

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: 3120

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: 6427

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: 3906

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: 3906

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: 1133

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: 1353

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: 1353

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: 1353

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: 3463

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: 1756

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.