Search found 602 matches

by ram
Fri Feb 12, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 38
Views: 2056

Re: Relocating for a job--lots of life changes

Unless your fiancee has strong objection to it-move.
This is from somebody who has moved for jobs to 3 different countries some of which are 10,000 miles apart. These things are best done at a young age.
by ram
Thu Feb 11, 2016 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 22
Views: 2476

Re: Should I change Asset Allocation to a more conservative mix

I reviewed this thread again today. As many pointed out in the replies markets can go down and they have. In March 2015 after considering all opinions I had elected to "stay the course". In retrospect 'as of today' that was a bad decision. However it may still turn out to be a satisfactory...
by ram
Thu Feb 11, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 22
Views: 2476

Re: Should I change Asset Allocation to a more conservative

If it were me, I wouldn't pay capital gains tax to be more conservative, but if I wanted to reduce risk faster, I would start redirecting stock dividends and all my fresh savings to bonds. If you're much closer to the retirement nest egg you think will do, perhaps also consider changing your 1% gli...
by ram
Sun Feb 07, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 75
Views: 9406

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Saw this today. I got exact same response from some of the dealerships but not this one . Of note I had seen a private party LS earlier that day and had a bill from a mechanic that I had evaluated it paying my own money. They knew I was serious. I told them that is what I would pay or else I was goi...
by ram
Sat Feb 06, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 3415

Re: Advice for parents with Perfectionist Child?

My kids are now in med school and college but did all the above stuff in school. Their attitude especially son's was always enjoy the free trip and and 'official' non attendance of school and if they win that's good too. They enjoyed their school trips to Alaska, Washington DC, Orlando, California f...
by ram
Thu Feb 04, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 10078

Re: How to get a 200k+/year job?

I am a physician working in 'middle of nowhere'. We are trying to recruit a partner and will gladly pay >200K. The job will be very steady. We were begging my senior partner to stay on longer. He retired at 65 as he had 'more than enough'. The required educational qualifications require typically 14...
by ram
Sat Jan 30, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 4627

Re: Vanguard introducing 0.01% expense ratio funds

I hope somebody from Vanguard reads this thread. In the last 5 years more people are moving from active funds to indexing. In the last 2 decades the top 5% of the population is getting much richer than the lower 95%. This would mean that there would be quite a few people with 2 to 10 million of inve...
by ram
Mon Jan 25, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9777

Re: Is Nitrogen better than air?

Is nitrogen better than air:
- Certainly not for breathing. :D
- And marginally if at all for tire inflation.
by ram
Sat Jan 23, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: High income earners and retirement budget?.
Replies: 37
Views: 4277

Re: High income earners and retirement budget?.

No. Over the last decade our expenses can be categorized as - 1) Mortgage - now gone. 2) College education - now gone as 529 plans are adequately funded. 3) Retirement savings- not applicable once retired. 4) Taxes- Will be lower in retirement. 5) Other. Only the 4) and 5) are relevant in retirement...
by ram
Sun Jan 10, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k contribution
Replies: 13
Views: 1350

Re: Employer 401k contribution

The firm will now match $0.30 for every dollar on the first 3% of employee's contribution. . I suspect this may actually be - The firm will now match $0.30 for every dollar on the first 3% of employee's SALARY. If that is true, then: Lets say your annual salary is 600,000. You save 3% of it = 18,00...
by ram
Sun Jan 10, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: International stock investment: Index Vs active
Replies: 2
Views: 529

International stock investment: Index Vs active

My investment portfolio exceeds a million. My investment policy statement states: 1. Amongst stocks 66.6 % (+/- 3.3 % ) in domestic stocks. ( This is all currently invested in vanguard index funds) 2. And ------------ 33.3 % ( +/- 3.3 % ) in International. 3. Amongst International 30 % in Emerging m...
by ram
Tue Dec 29, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k contribution
Replies: 13
Views: 1350

Re: Employer 401k contribution

The firm will now match $0.30 for every dollar on the first 3% of employee's contribution. . I suspect this may actually be - The firm will now match $0.30 for every dollar on the first 3% of employee's SALARY. If that is true, then: Lets say your annual salary is 600,000. You save 3% of it = 18,00...
by ram
Mon Dec 21, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Disputing medical bill from doctor
Replies: 14
Views: 1576

Re: Disputing medical bill from doctor

All patients are entitled to a copy of their medical record. Ask for a copy for the applicable dates. You may have to pay $0.25 per page.
It is extremely unlikely that he will create a fraudulent record. If there is no record simply point it out.
by ram
Sat Dec 19, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned about 457(b) plan - advice needed!
Replies: 18
Views: 1114

Re: Concerned about 457(b) plan - advice needed!

I invest in a private 457 ac. The question simply boils down to : return of my money Vs return on my money. I will never put more than 10% of my net worth in 457 B account. If I lose it I wont starve. Also a few things different than you are - I am much older, i.e. more nearer retirement and so I si...
by ram
Fri Dec 18, 2015 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 4131

Re: Large Stock Market Decline Today - What's going on?

There was no blood on the street this year, but just some oozing plasma from time to time and that was enough for me to buy.
I have a few thousand dollars in cash to deploy and hopefully the market will keep going down on Monday.
by ram
Fri Dec 18, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9606

Re: I would like to play the Boglehead car game too

My rule of thumb is no more than 3 months of salary for a "new" car. This works fine for doctors. At the lower end of doctors salary of 144 K this would mean a pretty decent car such as a high end Camry, Accord or even an Avalon (36 K car). At the OP's salary it would be an approx 75 K car...
by ram
Thu Dec 17, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle-what can we really afford?
Replies: 42
Views: 3646

Re: Seattle-what can we really afford?

My budget for a house is < 3 times annual salary. But it is easy for me to say that as i live in a low COL area. Where as your stated budget is not ideal, it is not outrageous either.
by ram
Sun Dec 13, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 94
Views: 5061

Re: Paying Kids For Good Grades -- do you do it?

We did it for both our kids from 2nd to 5th grade. At that point they did not have the option to pick classes. We gave for each A on their monthly exam. They both had excellent college admission exam scores. We did not do a double blind randomized controlled trial and so I can not attest to causatio...
by ram
Wed Dec 09, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: Boglehead approach to low cost car ownership
Replies: 45
Views: 3707

Re: Boglehead approach to low cost car ownership

Your cost/mile for the cars that you have elected to buy is satisfactory and perhaps better than average. If you received money from third parties when accidents occurred because of no fault of yours then make sure you deduct those dollars from your cost.
by ram
Wed Dec 09, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5875

Re: San Antonio vs. Morgantown, WV for 2 docs

I have been to and have physician friends at both places. I would suspect life would be much slower paced in WV. Weather more comparable to home base in WV. I personally think that the daily commute is more important than occasional commute to the regional airport. I work in a rural area and my regi...
by ram
Sun Nov 15, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Genetic Testing for Job Application
Replies: 29
Views: 3424

Re: Genetic Testing for Job Application

As part of my job I examine patients that have been treated with radio active isotopes. My wife and I are done with having children and the amount of exposure to me is not relevant. But I do work with trainee physicians who are in child bearing age. I am not allowed to ask any co workers if they are...
by ram
Tue Nov 10, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP - Family Deductible / OOP clarification needed
Replies: 25
Views: 2609

Re: HDHP - Family Deductible / OOP clarification needed

The health insurance that I have is only sold in my state. So what I say may not be widely applicable. But the health insurance company has fairly straight forward rules. - It has 3 types of policies based on number of individuals. These are - Member only. - Member + spouse - Family (defined as memb...
by ram
Tue Oct 20, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Rental Van Fees
Replies: 24
Views: 1461

Re: Rental Van Fees

Check VUSA ( Visit USA) airtickets. This was a few yrs ago but many of my overseas visitors have used them. Only foreign nationals are eligible. The deal is you buy a round trip ticket to USA from a foreign destination. Then all within USA airline travel is $99 per one way trip (sometimes $49). This...
by ram
Sat Oct 17, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card for teenage daughter - best option?
Replies: 46
Views: 3188

Re: Credit card for teenage daughter - best option?

I have an AmEx Blue Cash Preferred, which just so happens to offer good cashback amounts on gas and groceries. A quick bit of Googling indicates that AmEx allows you to add an authorized user and specify a lower spending limit for their card. Adding someone with no credit history as an authorized u...
by ram
Wed Oct 14, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Job Salary Question
Replies: 7
Views: 2599

Re: Job Salary Question

In my healthcare company benefits amount to about 15% of total compensation for the employees in the topmost decile and upto 45% for the lower paid employees. We provide decent family health insurance for all employees and the same options are available to the highest and lowest earning employee.
by ram
Sat Oct 10, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111461

Re: What are you up YTD? [Year To Date]

About 0% to +0.5 %.
My IPS allows some market timing. (+/- 10%).

On Jan 1, I was 85/15%. About 78/22% in May.
I was selling stocks in May and have been buying for the last 2 months. Currently 88/ 12% (within the IPS allowance)
by ram
Fri Oct 09, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5013

Re: SUV recommendation

For me reliability was most important and so I recently got a Lexus LS 460 sedan after comparing with other non Japanese competitors.
by ram
Tue Oct 06, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Health and how you live your life
Replies: 15
Views: 1697

Re: Health and how you live your life

http://www.ssa.gov/oact/STATS/table4c6.html The probability of death is < 1% per year till age 64, 1% at age 65 and exceeds 1% per year after age 65. Perhaps spending at least 3% (but < 5%) of net worth per year starting at age 65 in addition to the SS payment and pension (if any) is a reasonable op...
by ram
Mon Sep 21, 2015 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Building kid's credit history
Replies: 23
Views: 2055

Re: Building kid's credit history

I gave both kids a 'authorized user' CC in their senior high school year. The mistakes that they made in the first year of use were corrected and they have mostly used the CC responsibly in college now for 5 and 3 yrs. The older one is now getting letters for pre approved reward cards.
by ram
Sun Sep 20, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 6751

Re: Family Car Recommendations

I have narrowed down my choices to the Honda Accord or Honda CR-V. However I am not sure whether or not I need AWD for added safety. I know on the Honda Accord I can't get AWD, but the CR-V has it as an option. I spoke to someone who drives a lot in Snowy Canada and they claim that an AWD is a must...
by ram
Tue Sep 15, 2015 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 75
Views: 9406

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Update: I bought a Lexus LS 460, 2012 model CPO with 41000 miles. It had just completed a 3 yr lease. It was listed at 46 K and I got it for 40,200 (40,000 and 200 documentation fee, plus tax and plates). I have been using it now for the last 3-4 weeks and we both like it. Paid cash. There was no tr...
by ram
Mon Sep 14, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 17999

Re: Am I being too stingy for a high-income household?

The two of us have a similar income as the two of you, but wife and I both earn approx same. We lived fairly frugally for many years and then realized that we are doing quite well and so started spending more. Currently we are ok with spending upto 60% of our post tax income and saving >= 40% of it....
by ram
Wed Sep 09, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: How much is reasonable to pay for medical tests
Replies: 30
Views: 2094

Re: How much is reasonable to pay for medical tests

In my car if the brakes fail I get them repaired. If the radio fails I let it go. Ask the doctor the consequences of not doing it and if cheaper alternate options are available.
by ram
Tue Sep 08, 2015 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33335

Re: Question for the Bogleheads Millionaires

I do not understand why one has to do all of the above. Given time (and the associated inflation) the average American will become a millionaire. If you do not believe me just ask the average Zimbabwean. :D
by ram
Mon Sep 07, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 6751

Re: Family Car Recommendations

I have had multiple Toyota Camrys and Honda Accords over the years and these are excellent choices. The CRV will be my next choice. I frequently ride in it with my coworker when we travel to a site 2 hrs away. The main reason I would buy it over the above 2 sedans would be for the 4 wheel drive. Tho...
by ram
Tue Aug 11, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 7463

Re: Your First Job

Age 22 as medical intern.
by ram
Sun Aug 02, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1331

Re: Inside Passage Cruise

Did the same trip last June. We did not carry gloves or caps. But we live in Wisconsin are are exposed to -20 temps. The senior citizens from Florida required far more cold gear than us. Light jackets were enough. Note that we went in June which can be colder.
R
by ram
Sun Aug 02, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 14905

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

http://www.economist.com/blogs/graphicdetail/2013/03/daily-chart-5 The US spends 7% of household income on food. Assuming a household median income of 50,000 that will be 3500/yr or 300 /month. Now I realize that this board does not represent average US income. So presumably 1000/ mo groceries would...
by ram
Sun Aug 02, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 1749

Re: Can executor take value of personal time?

Emily estimates the price of the house "as is" from a disinterested 3rd party. Then a) buys nancy out ( half of above value), improves the house and sells it. b) makes a deal with nancy to pay her 50% of the above value and 10% of the increase in value from the efforts of Emily. Emily and ...
by ram
Sat Jul 18, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 5558

Re: Recommendations for gas grill

I bought the Consumer Report recommended Charbroil. My friend got Weber. I like his better ( about 50 % more).
by ram
Sat Jul 11, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 4175

Re: An email to my employer I almost sent, but then deleted

I asked my employer for a " plain vanilla bond fund with low ER" Suggested Vanguard Total bond fund. Now we have it at the institutional ER which I believe is .04 %
by ram
Mon Jul 06, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1690

Re: VTIAX anomaly on Vanguard's website

I noticed it too. It is not ex dividend today. Yahoo and google are showing it down 1.6%. Vanguard itself is showing VEU down by about 1.6%. So that 5.8% decrease must be a mistake.
by ram
Sun Jun 28, 2015 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3601

Re: Discover card 2X cash back

New customer. Got it. Thx.
by ram
Sun Jun 28, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 19435

Re: What credit should you get? (Ask me anything)

Our family of 4 currently has 11 credit cards. Our annual expenses on credit cards are about 60,000. Both of us have credit ratings between 780 to 810 out of 850. Our two college age kids need at least one Visa/ Mastercard . Our annual credit card expenses: Restaurants including workplace and colleg...
by ram
Sun Jun 28, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 4506

Re: Las Vegas visit ( first time)

Sorry for the delayed response. We had a good time at Las Vegas. We used many of the suggestions in the thread and would like to thank you all. We went to many of the casinos on the strip but as planned did not play much there (a few slot machines). Played blackjack for the first time. Went to golde...
by ram
Sun Jun 28, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: While you've been waiting for interest rates to go UP ...
Replies: 12
Views: 2524

Re: While you've been waiting for interest rates to go UP ...

I am one of the person that abandoned total bonds and moved to 'stable value' fund. This paid 1.2 to 1.5 %. So I presumably lost about 1% in interest during that time period. A benefit of this was that I could frequently flip back and forth to buy stocks when they were cheaper using the stable value...
by ram
Sun Jun 28, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 4330

Re: 2014 Lexus ES350

[quote= While they are very similar the Avalon just screams "old man car". :wink:[/quote]

My daughter who is in medical school and in her early twenties is far happier driving her 'old man's Avalon' than what she could buy for the sale price of a 9 yr old Avalon ( 2006 model)
by ram
Sun Jun 28, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 57
Views: 6568

Re: Smart phone data usage

Thanks for the input so far. I do have wifi at home so it sounds as though that will help keeping the phone data under control. I am retired so don’t have an employer to help or hinder in the process. I do not expect to stream music or video all that much except for the cute dogs and cats on utube....
by ram
Sat Jun 27, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 3528

Re: Home cleaning services

$20/hr. A partial hour is rounded up to the next full hour. No tips except at holiday time. Low cost midwest area. The lady does much more than cleaning. Laundry, folding laundry, ironing clothes, cutting vegetables and fruits, help my wife with garden work, etc. Frequency as required. About 4 half ...

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