Search found 753 matches

by ram
Mon Mar 20, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1036

Re: Malpractice Asset Protection

Read the NEJM article on malpractice ( about 5 yrs ago)
http://www.nejm.org/doi/full/10.1056/NEJMsa1012370
by ram
Sun Mar 19, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Career Dilemma - Seeking Input
Replies: 7
Views: 946

Re: Career Dilemma - Seeking Input

The conservative option here is #2.
If it does not work out consider the other options.
by ram
Sun Mar 19, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1705

Re: Quietest tire for 2017 Honda CRV?

wallygator wrote:Michelin

Agree. Based on my last 3 sets of tires.
by ram
Sun Mar 19, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 49
Views: 2477

Re: A SUV for towing a Travel Trailer

A friend who like me is biased towards Japanese (reliable) cars got a Lexus GX for his trailer and is happy with it. I recall from his research that the vast majority of SUV's fulfilling his criteria were larger American made SUV's. Like you cost was not a major concern for him, but he thought that ...
by ram
Sun Mar 19, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3165

Re: Medical treatment in US for non US citizen

Many hospitals in south Asia and southeast Asia have US trained physicians on staff and can provide most (but not all) healthcare available at tertiary care centers in US for 5 to 40% of the published US rate. (rack rate). Many US hospitals will give substantial discounts on published rates if paid ...
by ram
Sun Mar 19, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9035

Re: Anyone else taking less risk

I am a huge believer in market efficiency and I don't believe in market timing. That being said, for all of us with maybe less than 10 years to retirement, I think it makes sense to individualize the glidepath towards the retirement AA. Rather than formulaicly take say 1% out of equities per year, ...
by ram
Sun Mar 19, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 603

Re: U.S. medical billing system (duplicate originals)

I am a physician working in US. Physicians in US are used to tolerating insurance hassles. Your requirements seem trivial. If you/your son call the physicians office and explain the situation I do not think you would have a problem. If I were in your shoes I would pay for the good policy/ policies w...
by ram
Mon Mar 13, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and 529 Account Withdrawal. Need Help
Replies: 2
Views: 291

Turbo Tax and 529 Account Withdrawal. Need Help

I think turbo tax is not handling my 529 education account withdrawals appropriately and I need some advice about what I might be doing wrong. My daughter gets scholarship which covers all the tuition and about $500 more. Our income ( MFJ) exceeds the limits where we can take education deductions or...
by ram
Thu Mar 09, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Years Old, Financial Direction Help!
Replies: 13
Views: 687

Re: 21 Years Old, Financial Direction Help!

Hello everyone! I have one follow-up question: After hours of reading through my possibilities of investments for the Vanguard Roth IRA, I think I will go with: Total Stock Market Index fund 90% Total Bond Market Index fund 10% Would everyone here agree on this choice for me? Have any suggestions? ...
by ram
Wed Mar 08, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 3024

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

They have tried that for decades. The problem is that nobody can predict where someone will want to leave in 10 years. It turns out doctors don't want to live in the sticks any more than anyone else. You're asking a 21yo college kid where he wants to live and practice when he is 30, and you think h...
by ram
Wed Mar 08, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Car dilemma?
Replies: 25
Views: 1591

Re: Car dilemma?

About 2500 years ago Prince Siddharta sat under a Bodhi tree, meditated, attained enlightenment and became the "Buddha". Most people on this board will think that you too have attained enlightenment.
Post the same thing on a car forum and they will call you crazy.
by ram
Wed Mar 08, 2017 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 36453

Re: Physician Retirement Savings

I know a physician who is happy to work in California "after" she worked and saved for many years in a rural mid west practice. Her current salary does not support her current lifestyle. Her prior savings and current salary adequately support her lifestyle.
by ram
Wed Mar 08, 2017 12:59 am
Forum: Investing - Theory, News & General
Topic: Oh no! The Ohama Titanic Syndrome signal.
Replies: 24
Views: 4331

Re: Oh no! The Ohama Titanic Syndrome signal.

These days we can have the:
-Truth
-Refined truth
-Alternate truth
-Refined alternate truth
by ram
Wed Mar 08, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Should the money earmarked for certain expenses be part of net worth?
Replies: 52
Views: 3091

Re: Should the money earmarked for certain expenses be part of net worth?

"Net Worth" has a definition (mentioned above). So the answer to your question is - YES.

But I also track "How much do I have for my retirement"
I do not include the 529 Ac balances here.
by ram
Tue Mar 07, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 3024

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

I was wondering if those having trouble finding doctors who accept Medicare would mind posting their approximate locations so us oldsters who might be considering relocating will know which ones to avoid. I am a physician practicing in the rural midwest. A physician from our group retired and reloc...
by ram
Mon Mar 06, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4565

Re: What Car Should I Buy My Daughter as a Graduation Present

My daughter uses my old toyota avalon and is happy with it. It appears that she will be spending a year in either Baltimore or Boston and does not want to have the car in either of those cities. So check with your daughter first. Baltimore .... I may just watch too much TV (quite likely in the case...
by ram
Mon Mar 06, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4565

Re: What Car Should I Buy My Daughter as a Graduation Present

My daughter uses my old toyota avalon and is happy with it. It appears that she will be spending a year in either Baltimore or Boston and does not want to have the car in either of those cities. So check with your daughter first. She will appreciate the car if she is in Baltimore. She was planning ...
by ram
Mon Mar 06, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: A surprise raise
Replies: 10
Views: 1272

Re: A surprise raise

Many years ago I worked for a few years in Saudi Arabia. As a medical consultant I had negotiated a fairly good salary. I had all along assumed that I was negotiating the salary for 1 year according to the Gregorian calendar. (365days/year). When I received my first salary I realized that it was sal...
by ram
Mon Mar 06, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3340

Re: At what age did you drop life and disability insurance?

Life insurance dropped at age 51. ( except that provided free by employer) Disability: adequate amount provided by employer. So no plan to drop it ever. But would not have dropped even if I was paying. Reasons for dropping life: -House paid off -Kids in college/med school with adequately funded 529 ...
by ram
Sun Mar 05, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 36453

Re: Physician Retirement Savings

This has been an interesting thread. We are a 2 physician family in our early 50's. We recently came to the conclusion that we can slow down. Wife has gone down to 0.9 FTE (23 more days of vacation per year.) We are trying to recruit and as soon as I find a younger partner I will slow down as well. ...
by ram
Wed Mar 01, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4565

Re: What Car Should I Buy My Daughter as a Graduation Present

My daughter uses my old toyota avalon and is happy with it. It appears that she will be spending a year in either Baltimore or Boston and does not want to have the car in either of those cities. So check with your daughter first.
by ram
Tue Feb 28, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 3812

Re: Fidelity offers buy outs to reduce workforce

Can Fido transfer some of them to Vanguard.
by ram
Sun Feb 26, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Requesting guidance on a car purchase
Replies: 31
Views: 1653

Re: Requesting guidance on a car purchase

When we had our second child, we went to a Honda Odyssey and we were very happy with this decision. The extra space comes in handy a lot and now we have 5 kids. We actually have 2 Odyssey's now (2001 and 2007). The cargo space in the Pilot is much smaller (16 cubic feet compared to the Odyssey (32 ...
by ram
Sun Feb 26, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 3960

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

I live in a small town in the midwest. There is one McDonald and one Burger King. When I go out I eat what I can get. I am happy with the friday fish fry. Then I go to Chicago and I eat Thai and Indian and Lebanese because it is all available within a mile of where I stay. In the 90's the investment...
by ram
Sun Feb 26, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Disability Insurance
Replies: 43
Views: 2586

Re: Physician Disability Insurance

We are a 2 physician family. We "fully" funded the kids 529 accounts, paid off the mortgage etc. Then once the retirement bucket was about 2/3 full we dropped the insurance coverage other than the 400K/yr/ head (life) and 60% of income upto 180k/yr (disability) that our employer pays for. ...
by ram
Sun Feb 26, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 2800

Re: moving from landscaper/snow plower to diy in retirement

Didn't read all the replies but I wonder if you will end up like me. Buying the equipment and still outsourcing the job. (I am still working.)
by ram
Sat Feb 25, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: mom wants smart phone, are there classes on how to use?
Replies: 40
Views: 2316

Re: mom wants smart phone, are there classes on how to use?

When my kids were in in high school they were on the National Honors Society. They needed 20 hrs/yr of community service to maintain the membership and helping elderly people was a frequent way of getting those 20 hrs. They preferred teaching computer for 2 hrs rather than raking leaves. If a simila...
by ram
Sat Feb 25, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 159
Views: 10889

Re: What is your overall portfolio weighted expense ratio

The annual fees for my and wife's 401 K come to 2 basis points. Our employer used to pay this till a few years ago.
The weighted ER ( excluding above) is 7 basis points.
So total 2 + 7 = 9 bp (all inclusive weighted = 0.09%).
Advisory services (from the Bogleheads) = Priceless
by ram
Sat Feb 25, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1457

Re: Train Trip

We went from Seattle to Minneapolis after returning from an excellent Alaska cruise. (I believe it goes onward to Chicago). The train started 5 hrs late. We went through the Rockies in the dark whereas we had picked the train to specifically go through the daytime. Going through the Dakotas is borin...
by ram
Mon Feb 13, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: suggested auto liability levels?
Replies: 13
Views: 1162

Re: suggested auto liability levels?

When I was a physician in training I had an income somewhat less than a typical school teacher. I carried 300/ 100 insurance at that time.
by ram
Tue Feb 07, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Hotel Recommendations - Las Vegas
Replies: 20
Views: 2019

Re: Hotel Recommendations - Las Vegas

2 yrs ago we stayed at the Embassy suites which is 2 miles from the strip. There was monorail next to it but a cab was about 12 -15 dollars, which is what we used. We also had a rental car which we used to go to the Hoover dam and the valley of fire state park. We spent 2 of the 5 days in casinos an...
by ram
Thu Jan 19, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2181

Re: Miami -Florida Keys visit - Late January- Suggestions

Thank you everybody. Keep the suggestions coming. At this point we are planning to drive from Miami to Key West on friday afternoon. Our hotel at Key West is booked for Fri and Sat night. We will drive up to Key Largo on Sunday and stay there on Sunday night. This is about 1 hour south of Miami Int...
by ram
Thu Jan 19, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2181

Re: Miami -Florida Keys visit - Late January- Suggestions

Thank you everybody. Keep the suggestions coming. At this point we are planning to drive from Miami to Key West on friday afternoon. Our hotel at Key West is booked for Fri and Sat night. We will drive up to Key Largo on Sunday and stay there on Sunday night. This is about 1 hour south of Miami Intt...
by ram
Wed Jan 18, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing Retirement's Horizon - Advise Please
Replies: 18
Views: 2347

Re: Nearing Retirement's Horizon - Advise Please

Total Intt 10 to 15 % This seems a little high to me. Could you share a little more detail on why? I recall there was a study that showed that returns for a given level of risk were best when international was 20% to 50% of the stock allocation. I personally prefer the lower end of this range. Assu...
by ram
Mon Jan 16, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a house from a colleague
Replies: 37
Views: 3261

Re: Thoughts on buying a house from a colleague

I did this for my current house. I saw the house and told the colleague that I will pay 'X' for the house. You continue to find other buyers and sell at the best possible price. If you do not get anything better than X then contact me. I am not in a hurry. We continued to look at other houses. 6 wee...
by ram
Sat Jan 14, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 1898

Re: New vs. Used Car Purchase

My thoughts:
Reliable non luxury brands (Toyotas, Hondas): Buy new and keep for 10+ years. Buying 2 to 3 yr old does not give you much discount.

Reliable Luxury brands (Lexus) : Buy 3 yr old, perhaps a CPO. You get a good discount. Keep for 7+ years.
by ram
Sat Jan 14, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2376

Re: Recommendations for home paper shredder

My 'OfficeMax' branded shredder purchased for about $50-60 has been running well for the last 5 yrs. Shreds about 500-1000 pages /yr.
About 7 or 8 pages only at one go. The slot accepts more but then it gets stuck.
by ram
Sat Jan 14, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth. What to do with 68 cents
Replies: 8
Views: 733

Backdoor Roth. What to do with 68 cents

I usually invest $6500 in T-IRA in early January and convert it to Roth (backdoor) the next day. This year I put 6500 from my bank into the Prime money market account in TIRA on Jan 4. I then asked that my conventional mutual fund account be changed to TIRA Brokerage account. (my mistake). The money...
by ram
Sat Jan 14, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9991

Re: How much do you typically spend in a restaurant?

We live in rural midwest. (LCOL). Yesterday the fish fry buffet at our local golf club (currently under 2 feet of snow) was $14. And this is a fairly upscale place. A beer for me was $4. Wife had water. Included 5-6 types of fish, chicken, beef, soup, salad and an assortment of desserts. While revie...
by ram
Wed Jan 11, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2181

Miami -Florida Keys visit - Late January- Suggestions

I have to attend a conference at Miami from Mon to Friday in late January. I will be attending from 7 AM to 1 PM and will be free after that. My wife is accompanying me and will be free all the time. We are staying at a hotel which opens on to the beach. We would be free for vacationing from 1.00 pm...
by ram
Wed Jan 11, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing Retirement's Horizon - Advise Please
Replies: 18
Views: 2347

Re: Nearing Retirement's Horizon - Advise Please

Agree with David Jay. Stock : Bond = 50:50 should be satisfactory. 53% bond ( age-10) also OK. Recommend total Market stock rather than 500 index though 500 index is not bad either. Recommend 'Total Intt" rather than emerging market for the international allocation. Perhaps: Bonds 45% Cash 5%. ...
by ram
Tue Jan 10, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 675
Views: 18938

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2420
( 8% increase in 2017)
by ram
Sat Jan 07, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 31
Views: 3503

Re: Physician Long term Disability- Premium pre or post tax

I started the post a couple of years ago. I have been paying the premium post tax. The disability payment will therefore not be taxed. As the payment is capped at a much lower amount than what I earn I am more comfortable having the whole amount of disability ( in case it comes to that) rather than ...
by ram
Sun Nov 27, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare billing question
Replies: 16
Views: 2156

Re: Medicare billing question

Does the doctor have any liability in knowing if the claim / procedure is covered my Medicare? Thanks No. Insurance company rules are not part of medical school/residency curriculum. Physicians are required to do "X" hours of continuous medical education per year by their state boards ('x...
by ram
Sun Nov 27, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12360

Re: Anybody regretting holding on to your REITS?

I believe in market timing in REITS. I just bought some recently and this thread reassures me to buy some more. I use upto 10% (usually <5%) of my portfolio for over-weighing out of favor sectors. All REIT transactions are done in Roth accounts. More than 90% of the portfolio is invested according t...
by ram
Tue Nov 22, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23957

Re: Retreat to cash

Your plan of action for the next year is appropriate for your beliefs of the next year. Please give a thought to your plan in case of various scenarios 1 year from now. (Market up/ down/ steady). I do not share your beliefs. My best guess is the market will go up by 8% in next 12 months. That's my d...
by ram
Sun Nov 20, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6769

Re: Fountain Pens - Do you use one?

I liked my Sheaffer pen that I used in the early 1980's. Haven't used fountain pens recently.
by ram
Thu Nov 17, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9468

Re: Honda Cars

Good cars. I have a honda odyssey now ( 2006, 95 K miles) and had 2 accords before.
But I think Toyotas are slightly better. Had Camry and currently have Avalon.
by ram
Sat Nov 12, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6591

Re: Go part time number

We are a 2 physician family. We have >15x of annual spending at this time. My wife declined a higher paying promotion last year. I will be giving up my position as dept chair from Jan 1. My wife may go part time in the next few years. The general idea is to slow down rather than collect 35x or 40x o...

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