Search found 680 matches

by ram
Sun Sep 25, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 178
Views: 69489

Re: A time to EVALUATE your jitters

We like our work 80% of the time. But a few years ago the number was more like 90%. Slowing the pace may get it back up there. At least that is the hope.
by ram
Sun Sep 25, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 178
Views: 69489

Re: A time to EVALUATE your jitters

Nisiprius, Somehow I had missed reading this thread till today but agree with many others that it is an excellent post. I recall being apprehensive in 2008-2009 but continued to invest in stocks right through the downturn. I do not recall the 2011 dip at all but when I looked at my records I had mai...
by ram
Fri Sep 23, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 4902

Re: Cities like New Orleans?

I did not read all the replies. But I lived in New Awlins for a few years before Katrina. The best city in US for good food by a wide margin. It really is difficult to find bad food in New Orleans. Somebody is always partying. Mardi gras parades are fun, even the ones in the suburbs. Block parties w...
by ram
Wed Sep 21, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Amtrak trip
Replies: 13
Views: 1656

Re: Amtrak trip

In Jun 2014 our Amtrak train from Seattle to Minneapolis was 16 hours late. The track is owned by somebody else (Warren Buffets company) and the freight trains carrying oil boom related construction material were given precedence over passenger trains on the single track in the Dakotas. We had run o...
by ram
Sun Sep 18, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 1933

Re: avalon hybrid

I drove a Avalon 2006(non hybrid) for many years. My daughter is now using it. 150 K miles. Broke one set of springs when driving through a ditch filled with slush. ($1200). Otherwise routine maintenance. Excellent car. Very comfortable on long rides. I seriously looked at another 2 yrs ago when it ...
by ram
Sun Sep 18, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]
Replies: 50
Views: 2440

Re: Help Me Analyze Finances Of Dental Practice I Might Buy Into [USA]

Looks like having free time is more important to you than having ( potentially) a little more money. If I was in such a situation I would consider the following options (in order of preference): 1. Working for $X/ hour. (you are a long term locums). Negotiate any extra for call if relevant. 2.Workin...
by ram
Sun Sep 11, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: Trip to Norway - Aurora vs. Fjords
Replies: 18
Views: 1709

Re: Trip to Norway - Aurora vs. Fjords

Northern lights were seen from the banks of lake Superior (US side) a few days ago.
by ram
Sun Sep 11, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Early Career Physician- Student Loans and Buying a Home?
Replies: 1
Views: 353

Re: Help: Early Career Physician- Student Loans and Buying a Home?

0.25 % even on a decreasing loan balance of about 100K is a fair amount of money and so I would pay annually (Av balance 50K x 0.25% x 5yrs = $625). Assuming you pay all your debts in a timely manner your credit score should be fine (say >780/850). If you really are worried about reaching a credit s...
by ram
Sat Sep 03, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to compare a mega corp job offer to a startup's
Replies: 31
Views: 2574

Re: How to compare a mega corp job offer to a startup's

In my healthcare company physicians are allowed to do outside consulting on their own time. The payment goes to the company and 70% of it is passed on to the employee. In other words my company assumes that benefits are $30 for every $70 i.e. 43% By this measure you should ask for 143% of current sa...
by ram
Sat Sep 03, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Drawing down Roth savings for college
Replies: 16
Views: 1180

Re: Drawing down Roth savings for college

30 K/yr assuming you are single should be enough. Not counting tuition my daughter in medical school lives on 18K per year. She is covered under my medical insurance. (Add about 2K for university insurance) Her car is covered under the family car insurance (say 1K) Her cell phone is on the family pl...
by ram
Fri Sep 02, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3177

Re: Favorite Vegan Products

Fruits, Vegetables, Basmati rice (costco), black eyed beans, black gram (kala chana), kabuli chana, alfonso mango pulp (available in Indian groceries), Lara bar (amazon.com- some of these can be relatively unhealthy), coconut water, coconut milk (costco), dried mango slices, coconut and dates rolls,...
by ram
Wed Aug 31, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 54
Views: 3146

Re: WSJ $99 for 6 months -- worth it?

I use the otherwise unused airline miles for it and do not have the time to read more than 99 % of it. Next time I am planning to not even use the airline miles.
by ram
Mon Aug 29, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: Which physician job offer would you go for and why?
Replies: 38
Views: 3805

Re: Which physician job offer would you go for and why?

Additional useful information will be - What specialty. That will explain the intensity of call. (At the University job will he be working will fellows or only with residents) When taking call with fellows the intensity declines considerably. In other words is this friend fellowship trained and is t...
by ram
Sat Aug 13, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Confession~ I timed the market today
Replies: 31
Views: 3420

Re: Confession~ I timed the market today

I do something like this every year as part of a planned strategy with the 529 accounts. All of the 529 accounts are invested in 100% stocks. Usually I make a single annual withdrawal at a time that I think is the market peak for the year. I did that this year a few days ago when S & P was at 21...
by ram
Sat Aug 13, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2323

Re: College major...medical

Is there a HOSA ( Health Occupation Students of America) http://www.hosa.org/ chapter at his school. Both my children participated in it during high school. The local hospital/ clinic may want to support it if the school starts a chapter. Most healthcare companies have shortages of professional staf...
by ram
Mon Aug 08, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Loan/Investing Advice
Replies: 16
Views: 1524

Re: New Physician Loan/Investing Advice

In the next 18 months you will make about 500K. Taxes = 150 K. Spending = 150 K. (about twice the residency level spending) Savings = 200K. Of this 200K 401 Ks for 2 people for 2 yrs = 72 K ( 18x 4) IRAs .............................= 22 K ( 5.5 x4) Student loan and intt .........= 56 K Current car ...
by ram
Fri Jul 29, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Insure Home for less than replacement value
Replies: 15
Views: 956

Re: Insure Home for less than replacement value

Remember that land is not covered and you are wasting money if you are forced to purchase a limit higher than the structure replacement cost due to misclassification or perhaps due to a high mortgage balance. I realize that in most instances land is not lost. But there were instances on the west co...
by ram
Sun Jul 17, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4185

Re: Electric Scooter?

Honda metropolitans are commonly driven in my town where speed limits are 25-35 mph. They are also very common with students at University of Wisc, Madison and my daughter used it there for some time and was happy with its performance. The 49 cc engine will struggle to go uphill at 25 mph with a 200...
by ram
Mon Jul 11, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Re: Investing in Bonds in Taxable Account

I don't expect to spend anything from the taxable account. My heirs will appreciate the fact that I keep all equities there - and in the Roth. Most of my bonds are in my traditional IRA. If equities have better returns than bonds in the future my heirs will benefit from a stepped up basis of the eq...
by ram
Mon Jul 11, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Re: Investing in Bonds in Taxable Account

http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable. I recently read the above article by While Coat Investor that advises about keeping bonds in taxable account for high earners. I am in the 39% federal tax bracket. Currently all my bonds are in the tax deferred space and predominantly...
by ram
Sun Jul 10, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Re: Investing in Bonds in Taxable Account

http://whitecoatinvestor.com/asset-loca ... in-taxable. I recently read the above article by While Coat Investor that advises about keeping bonds in taxable account for high earners. I am in the 39% federal tax bracket. Currently all my bonds are in the tax deferred space and predominantly in Vangu...
by ram
Sun Jul 10, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Re: Investing in Bonds in Taxable Account

WCI did not discuss bonds in a 401(k) versus taxable. He discussed bonds in a Roth versus bonds in taxable. He brushed off discussing bonds in tax-deferred like a 401(k) with what I think was an unsatisfactory answer. Nevertheless, I see no problem with tax-exempt muni bond funds in taxable if tax-...
by ram
Sun Jul 10, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Re: Investing in Bonds in Taxable Account

Here's the Math. Feel free to point out any mistakes. Data: Wisconsin state highest tax rate = 7% or 0.07 (approx) Intermediate Term Tax Exempt returns= 4.48% ( annualized, over a 10 yr duration.) Total Bond returns = 5.0 % Stock returns =8 % (assumed) Initial Investment = 200 K, 100 K each in Bonds...
by ram
Sat Jul 09, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds in Taxable Account
Replies: 26
Views: 1926

Investing in Bonds in Taxable Account

http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable. I recently read the above article by While Coat Investor that advises about keeping bonds in taxable account for high earners. I am in the 39% federal tax bracket. Currently all my bonds are in the tax deferred space and predominantly ...
by ram
Sat Jul 09, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2551

Re: Due diligence before becoming a shareholder in a medical practice

Are you an employee at present who is being 'elevated' to a shareholder. Or will you be joining as a shareholder. If that is the case then you may want to ask if you can be an employee for a year or two before considering the shareholder position. Most people should be agreeable to it. Actually that...
by ram
Thu Jul 07, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 198
Views: 7721

Re: Picking College and College Scholarships

viewtopic.php?t=93996
The bogleheads were a great help when we had similar decisions to make.
viewtopic.php?t=43726
by ram
Sun Jul 03, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bmo Harris $500 bonus
Replies: 7
Views: 1268

Re: Bmo Harris $500 bonus

I got the same offer and am considering it.

Am I correct in assuming that I will have to pay income tax on it at my marginal rate. That makes it much less attractive.
by ram
Sun Jul 03, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Moving Seattle -> Madison?
Replies: 33
Views: 2173

Re: Moving Seattle -> Madison?

I live in the "up north" portion of Wisconsin. If you have doubts about coming to Madison then you certainly do not want to be anywhere near the "up north" portion. For non wisconsinites the state is divided into 3 parts. Milwaukee, Madison and "up north". For somebody ...
by ram
Sun Jul 03, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vti as high yield looooong term cd
Replies: 16
Views: 1524

Re: Vti as high yield looooong term cd

Bad idea. Unless you have at least twice the money that you really need in retirement.
If so then half of it can be lost to market forces or go to children/charity.
by ram
Fri Jun 24, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12730

Re: Do You See it Now?

I got my 2 weeks of salary today. Stocks were on sale. So I bought some.
by ram
Wed Jun 22, 2016 12:47 am
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7558

Re: General Negotiating Tips

Last year I purchased a used Lexus from a dealer. The price was negotiated and I went to the manager's office to sign paperwork. He wanted to sell me the usual useless stuff. He started with "key insurance" . "A new key costs $500. The key insurance is only $300. You save $200." ...
by ram
Sun Jun 19, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7899

Re: Why You Shouldn't Do International Stocks?

Because lately they have been performing poorly. No additional reason is needed. :)
by ram
Sat Jun 18, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: College costs - Grandparents want to pay - Need help
Replies: 18
Views: 1919

Re: College costs - Grandparents want to pay - Need help

I keep 100% of the balance in 529 in stocks (even when the kids are in college). I can pay college tuition from current salary but use 529 plan for tax benefits. If the withdrawal for paying tuition occurs when stocks are doing well, then no further action is needed. If it occurs when stocks are dow...
by ram
Fri Jun 17, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Blood glucose meter and blood pressure meter
Replies: 26
Views: 1783

Re: Blood glucose meter and blood pressure meter

sawhorse wrote:
ram wrote:You may also try calling the manufacturer and ask for a free meter. The money is made on the "stripes" side of the business.



Are there any meters that have reusable test strips or no test strips?

No.
by ram
Thu Jun 16, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my non-gov 457?
Replies: 15
Views: 911

Re: What to do with my non-gov 457?

Take it over 2 or 3 yrs with the hope that it does not bump you up in the next higher bracket. When it does it will hopefully be a modest amount on which you pay the higher marginal tax rate. I do not like the hassle of keeping a fairly modest amount for 20 yrs for the associated paperwork.
by ram
Thu Jun 16, 2016 2:49 am
Forum: Personal Consumer Issues
Topic: Blood glucose meter and blood pressure meter
Replies: 26
Views: 1783

Re: Blood glucose meter and blood pressure meter

Your doctor may have free samples of different kinds of meters. If you have undergone "diabetes education" ask the educator (typically an RN)about the pros and cons of different meters. If you have not had diabetes education, check if your insurance covers it and you may benefit from it. I...
by ram
Thu Jun 16, 2016 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto Lawsuit Statistics [Purchasing umbrella insurance]
Replies: 52
Views: 5322

Re: Auto Lawsuit Statistics [Purchasing umbrella insurance]

I have no data on the incidence of payouts for umbrella insurance.
But data similar to the one in the attached article regarding physician malpractice insurance would be useful.
http://www.nejm.org/doi/full/10.1056/NE ... #t=article
by ram
Sat Jun 11, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area
Replies: 27
Views: 1236

Re: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area

I have 2 such holes in my yard and saw a baby squirrel popping out of one yesterday. Rabbits have made larger holes in the past. Within reason I share my yard with these animals.
by ram
Tue Jun 07, 2016 10:13 pm
Forum: Personal Consumer Issues
Topic: Nuts & Bolts - hardware question
Replies: 40
Views: 2661

Re: Nuts & Bolts - hardware question

When I know exactly what I want I go to the big box store.(cheaper). When I have general idea but need some help I go to ACE hardware (more knowledgeable staff).
by ram
Tue Jun 07, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 20
Views: 1926

Re: Visiting Napa Valley, CA

Thank you all for the excellent suggestions. We had a good time in Napa. We liked the V sattui deli more than their wines. We also liked their grape juice. We brought home 2 bottles of their Moscato which both the women liked. The desserts and Gelato at Dean and DeLucas across the winery were also g...
by ram
Tue Jun 07, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Good age to add minor as AU [Authorized User] on parent's CC
Replies: 20
Views: 1389

Re: Good age to add minor as AU on parent's CC

Both of our kids became AU as soon as they became high school seniors. They made their mistakes while at home for the first year of use and have been fairly responsible users as college students.
by ram
Wed Jun 01, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5739

Re: Real price for a new car

Negotiating for price while physically at the dealer is always a mistake. Your leverage is maximized while on the phone or via email. Of course the dealer knows this and hates it when the customer is smart enough to refuse to come in until they have a firm written offer with drive out price (total ...
by ram
Tue May 31, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 9041

Re: Would you pay 6x face value to see Hamilton on Broadway?

No . I have never paid 2X for a show and that would be my upper limit. On our last Vegas visit we short listed the shows that we would be OK with attending and then bought tickets preferably for those that could be got for 0.7 to 0.8 X (tickets sold within 24 hrs of the show). We bought the best sea...
by ram
Sat May 14, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2016 annual report
Replies: 21
Views: 2089

Re: Bogleheads® Wiki 2016 annual report

Thank you to everybody who has contributed to this work.
by ram
Thu May 12, 2016 9:29 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 7105

Re: Gifted math program for 1st grade

Both our children (now in med school and college) benefited from GT programs at their elementary school and later did 14 to 15 AP courses in high school.
by ram
Thu May 12, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27855

Re: Costco AMEX Transition - Costco has no answers

I got a letter from Fido that the new card will come in July. The 2% rewards stay.
by ram
Thu May 05, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Grad School Funding
Replies: 10
Views: 879

Re: Grad School Funding

How about putting the maximum amount that your state will let you deduct taxes on in a 529 account. ( some states do allow this). Invest this year and next.

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