Search found 790 matches

by ram
Thu Apr 27, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 71
Views: 6328

Re: Helping adult children

Two of my parents' children became physicians and one a school teacher. All education costs for the children were paid by parents. The medical education costs were higher than the non medical education. All children were happy that parents paid for the education. There was no separate payment made ...
by ram
Thu Apr 27, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: If you pay a high AMT, would you take out $1M mortgage?
Replies: 38
Views: 2620

Re: If you pay a high AMT, would you take out $1M mortgage?

If you are in AMT region with potential significant future increases in income realize that you may tunnel through the AMT income range and come out on the other side with no AMT. In other words with still higher income your regular taxes will be high enough that AMT will not apply.
by ram
Thu Apr 27, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 71
Views: 6328

Re: Helping adult children

Two of my parents' children became physicians and one a school teacher. All education costs for the children were paid by parents. The medical education costs were higher than the non medical education. All children were happy that parents paid for the education. There was no separate payment made t...
by ram
Wed Apr 26, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1762

Re: Doctor bill question

In most states NP's require physician supervision. The extent of the supervision is variable in different states. It is reasonable to assume that you got the benefit of a MD's knowledge even though you did not meet face to face with him. At the very least it was available if required. Whether the ch...
by ram
Sun Apr 23, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 2545

Re: Are CCRCs a good deal?

A recent issue of consumers report has an article on it with tips about what you should review before making the decision.
by ram
Fri Apr 21, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: What To Do With My Car While in NYC
Replies: 32
Views: 2767

Re: What To Do With My Car While in NYC

My daughter will be in Boston for 1 year. I am going to keep "her" car for that year and she will get it back at the end of the year. It is actually my old car and legally still belongs to me. I will drive it periodically and maintain it and park it in the 3rd garage. The big issue is clea...
by ram
Fri Apr 21, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6665

Re: My Doctor says I am "unusual" (declining some blood tests)

I try to make sure all my doctors are provided any test results, no matter who requested. I have noticed a lot of gaps in getting records to your doctors, even when the lab people are asked specifically to send results to Drs X, Y, and Z. I might save myself one or two draws here and there. Usually...
by ram
Thu Apr 20, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2337

Re: Differential aggressiveness for ROTH vs 401K

I keep bonds, small cap value and REITS in tax deferred.
Roth: REITS and SCV (expected higher return)
401 K: Bonds (expected lower returns)
by ram
Thu Apr 20, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

2) Increasing the deductible from 5 K to 10 K would save me another $100. ( I am planning on opting for this) It would take you 50 years to recoup if you have a claim where you absorb the entire deductible difference. Good point. Will take that in consideration before making the final decision. Tha...
by ram
Thu Apr 20, 2017 12:49 am
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 3940

Re: Weight loss and investing

Is there any data to show that age, sex and race matched Bogleheads have better BMI than non bogleheads (general US population). Perhaps time for a new poll. If 'ability to make a plan and stick to it' is the common underlying principle then there presumably should be a correlation. What is the corr...
by ram
Wed Apr 19, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4817

Re: Visualizing the devastating impact of fees

Excellent work. Perhaps a similar document can me made to show the ratio of principal and interest for a 5%, 30 year mortgage paid in 5, 10, 15, 20, 25, 30 years. Then perhaps this data, mortgage interest data and Taylor Larimore's "buy a Toyota Corolla and save" data can all be posted tog...
by ram
Wed Apr 19, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

I emailed Amica about the discrepancy. Their reply : They can reduce the dwelling coverage limit to $405K (from 570 K) and still continue with the replacement cost policy. ( The platinum policy that I have can pay upto 130% of this amount for replacement) Their loss settlement is to rebuild the home...
by ram
Tue Apr 18, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9131

Re: Why would anyone want to buy bond funds?

Because on some days they can give you >100% per annum returns. :)
(Today's return on bonds BND was 0.36% x 365 = 131% p.a.)
by ram
Tue Apr 18, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 2639

Re: Doctor fees - Insured vs uninsured patients

I am an employed physician and have no authority over the amount that a patient is charged. It is anticipated that the proportion of employed physicians will increase. I am finding it tough to believe that first sentence. If an uninsured patient comes to a doctor's office seeking treatment for a fe...
by ram
Tue Apr 18, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 2639

Re: Doctor fees - Insured vs uninsured patients

My dentist gives me a 5% discount for fees paid before leaving the facility. After the procedure I walk out to the cashier's desk. She calls the dental assistant who tells what procedure was done and the cashier makes the bill in the next two minutes and I pay 95% of it and walk out. All my family m...
by ram
Mon Apr 17, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

Home Insurance Premium - How to decrease. Postby ram » Sun Apr 16, 2017 1:04 pm We raised deductibles on auto and home to save some premium $$$. Regardless of whether you choose to do this for your home, be mindful of whether your deductible is set as a flat dollar amount or a percentage of value. ...
by ram
Mon Apr 17, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

I am an Amica customer as well - have been for over 20 years. $1100 coverage on a house with 570k replacement value sounds cheap to me. I just got my renewal for this year, $1136 and my new replacement value is $331k. I have a $2500 deductible, the platinum coverage like you have (130% payout, repl...
by ram
Mon Apr 17, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

One factor folks frequently fail to mention with Homeowners is the Fire protection class where you live. (usually assigned by the Fire Rating Bureau). If you live a 1/4 mile from a manned fire station in an area with fire hydrants, you'll pay significantly less than someone who lives where there ar...
by ram
Mon Apr 17, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 2639

Re: Doctor fees - Insured vs uninsured patients

I am an employed physician and have no authority over the amount that a patient is charged. It is anticipated that the proportion of employed physicians will increase.
by ram
Sun Apr 16, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

The deductible is $5000 on a house which I think is worth 350 K (including the $30 K land). So the deductible is about 1.5% of what I think is the cost of the house and about 0.9% of what Amica thinks it should be insured for. I will look into what I can save by making the deductible 10K. I agree th...
by ram
Sun Apr 16, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

I have my home - auto- umbrella insurance with Amica. Over the last 8 years my home insurance rate has gone up from $650 to $1100/yr. (platinum coverage). They have estimated the dwelling and other structure cost to be 570K which I think is too much. I presume they are considering the replacement c...
by ram
Sun Apr 16, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10744

Re: Ordering a Weber grill this week

I planned on buying a new grill this year. Based on the info on this thread I bought a Weber genesis EP 310 grill yesterday. Last year model. Made in US. Stainless steel grates. No side burner. Cost 750 and Tax. Assembly, delivery and one propane replacement included. Bought from the local True Valu...
by ram
Sun Apr 16, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4440

Re: Is spending 15K to furnish home too much?

No. I think it can be much more.
by ram
Sun Apr 16, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Re: Home Insurance Premium - How to decrease.

I own it outright.
by ram
Sun Apr 16, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3690

Home Insurance Premium - How to decrease.

I have my home - auto- umbrella insurance with Amica. Over the last 8 years my home insurance rate has gone up from $650 to $1100/yr. (platinum coverage). They have estimated the dwelling and other structure cost to be 570K which I think is too much. I presume they are considering the replacement co...
by ram
Sat Apr 15, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3913

Re: Will - what is complicated?

It seems to me that, except for some unusual gross screwups, the heirs (and other interested parties) either would not know or could not document that the will did not conform to the stated desires and intents of the deceased. Suppose, for example, that the deceased had three children, bit only nam...
by ram
Thu Apr 13, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 30
Views: 3183

Re: 529/son got accepted to medical school whahoooo!

I am a physician with a daughter in med school. I have always kept all 529 monies in stocks and will continue to do so. Any deficits from market downturns will be funded by current income. Consider the following 2 situations: A) The 529 balance is 250 K and retirement fund balance is 2.5 million wit...
by ram
Wed Apr 12, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Efficient?
Replies: 5
Views: 521

Re: Efficient?

Yes..
by ram
Sun Apr 09, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to setup a will
Replies: 42
Views: 3580

Re: Best place to setup a will

An estate lawyer's office. (but not the cheapest)
by ram
Sat Apr 08, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 4969

Re: Vanguard Taking-In $2 Billion a Day in New Cash

The Wizard wrote:
ecotone wrote:About $800 in Q1 came from me.

Aha!
This explains it all!
:)


$800 per each two member unit x 150 million units ( couples) = 120 Billion. That exactly explains it. :)
by ram
Thu Apr 06, 2017 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 75
Views: 8420

Re: Roll Call for the Retirement Class of 2017!

I do not know if "we" qualify for entry to this class. Feel free to throw us out, if necessary. My wife and I decided to 'gradually' retire. As of a week ago she went down from full time to 90% (0.9 FTE, full time equivalent). This means she will get 23 additional vacation days/yr. I am st...
by ram
Thu Apr 06, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5368

Re: Help with college choice

I would recommend going to Vandy. That is what my son did 5 years ago when faced with a similar choice. I presume you have read that thread. I have PMed you also. My other child also preferred the cheaper state school Vs high cost school for BS. As pointed out by others about 18 yr old changing thei...
by ram
Wed Apr 05, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8465

Re: Buying expensive car, how to keep payments low?

How to keep payments low:
1. Negotiate lower intt rate
2. Make duration of loan longer.
3. Give bigger down payment.
4. Combination of above.
by ram
Wed Apr 05, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23546

Re: Low-earners- What is your profession?

My son makes 38-40K/yr teaching college level Chemistry and Biochemistry to MCAT (medical school entrance) students. He loves his job and volunteers for many enviornment protection causes. The small himalayan country of Bhutan has propogated 'Gross National Happiness'. https://en.wikipedia.org/wiki/...
by ram
Sun Mar 26, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Are earnings on traditional IRAs taxable?
Replies: 12
Views: 785

Re: Are earnings on traditional IRAs taxable?

Traditional IRA contributions can be : - Tax deductible (for most of the population) - Non tax deductible (for high earners). For those that had all tax deductible contribution (during their working years) When they withdraw it (during retirement) the withdrawals (also known as distributions) will b...
by ram
Sat Mar 25, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2690

Re: Advisor suggested this - Good idea?

When I was planning on buying a house I put all monies in CDs which matured at the time of the planned purchase. For such kind of money I want 100% safety and then I would look at the best available interest. ( usually internet bank.)
by ram
Mon Mar 20, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1185

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: 1030

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: 1993

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: 71
Views: 4720

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: 3480

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: 9869

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: 683

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: 420

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: 794

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: 3234

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: 1796

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: 38495

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: 4533

Re: Oh no! The Ohama Titanic Syndrome signal.

These days we can have the:
-Truth
-Refined truth
-Alternate truth
-Refined alternate truth

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