Search found 36 matches

by sam101
Fri Mar 17, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

... Getting back to the thread : OP, have you considered contacting your Congressman's/woman's office? I have heard of cases where a Congressman has interceded on behalf of a constituent's crisis with a family member outside the country needing emergency medical treatment in the U.S. Speeding up th...
by sam101
Fri Mar 17, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

jim234 wrote:ACA / Medicaid requires US legal residency (citizen or green card). For someone to fly in and out is a case of fraud.


Agree
by sam101
Fri Mar 17, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

I think the first step is to verify that the treatment is definitely not available outside the USA. I.e. if the treatment is out of the initial experimental phase. These days roll outs of new treatments can happen very fast, especially in countries with less intense reviews of clinical trials than ...
by sam101
Fri Mar 17, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

Is your niece a greencard holder? I ask because my non-US citizen mother-in-law has U.S. health Insurance through the ACA but she had to have a greencard in order to apply. It is also not free. I pay the full premium which has risen 275% in four years and is now a little over $1000/month. One avenu...
by sam101
Thu Mar 16, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

Is she seeing specialists in her own country? Have they referred her to the best specialist for her condition in her own country? Can that doctor treat her or is he/she so knowledgeable about that condition that he/she knows who the best doctors for it in the world are? I would first exhaust all th...
by sam101
Thu Mar 16, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

Who is paying for this "free" healthcare? The rest of us? This sounds like Medicaid. I had a patient step off the plane from another country and find their way to my hospital. Within about 3 days, she had a Medicaid card. I removed her cancer and after almost 2 weeks in the hospital she w...
by sam101
Thu Mar 16, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Re: Medical treatment in US for non US citizen

Thank you so much for your quick reply. Though I am US citizen but my niece is not a US citizens and I did not see Mayoclinic is offering any financial support to non US citizens. BTW, she can be either treated in Boston or Mayoclinic. I was googling and someone was sort of in similar situation and ...
by sam101
Thu Mar 16, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3488

Medical treatment in US for non US citizen

Hi All, I am based in US and my niece is living outside US. Unfortunately she has been diagnosed with rare type of disease and can be treated most likely in US. The total expenses are around $350,000 for someone with no insurance. This amount is something I can't pay off entire my life. I would appr...
by sam101
Thu Jan 02, 2014 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Suggestion for 2014
Replies: 2
Views: 452

Re: Need Portfolio Suggestion for 2014

Thank you Laura! I have Roth IRA ( 401 K Retirement account with Fidelity) and here are my holdings: FIDELITY CONTRAFUND ------------30% SPARTAN EXTENDED MKT INDEX FID ADV CLASS----------20% SPARTAN INTL INDEX FID ADV CLASS-------------------20% SPRTN TOTAL MKT INDX FID ADVANTAGE CLASS----------30% ...
by sam101
Wed Jan 01, 2014 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Suggestion for 2014
Replies: 2
Views: 452

Need Portfolio Suggestion for 2014

Happy new year to all !!! Two years ago I was advised here that I should put my non retirement into following funds. Right now I have 100K in these funds (20%, 30% and 50%). Vanguard FTSE All-World ex-US Index Fund Admiral VMGRX Vanguard Mid-Cap Growth Fund VTWSX Vanguard Total World Stock Index Fun...
by sam101
Sun Feb 19, 2012 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to IRA
Replies: 9
Views: 702

Re: 401k to IRA

with vanguard i have after taxes account. can i combine these two accounts?
by sam101
Sun Feb 19, 2012 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to IRA
Replies: 9
Views: 702

Re: 401k to IRA

Thank you! currently i have following fidelity funds: FIDELITY CONTRAFUND FSEMX SPRTN EXT MKT INDEX INVESTOR CLASS FSIIX SPARTAN INTL INDEX INVESTOR CLASS FSTMX SPRTN TOTAL MKT INDX INVESTOR CLASS out side the401k , I do have vanguard mutual funds. as for as my annual income is concerned i am making...
by sam101
Sat Feb 18, 2012 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to IRA
Replies: 9
Views: 702

401k to IRA

Hi Experts,
I recently changed job and my new employer does not offer 401K plan and I want to switch 401k to IRA account with Fidelity. I have around 100k and am 43yrs old. Ca you please suggest what fundsI should I invest in. Will appreciate it.

Thanks,
Sam
by sam101
Mon Jul 11, 2011 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: New Lender Provided wrong Information before closing
Replies: 0
Views: 354

New Lender Provided wrong Information before closing

I had 30 year FHA loan and applied for refinance with new lender. My rate lock was expiring on June 30th and new lender dragged and cleared loan on June 29 though all documentation was provded to them on June 10. I was emailed HUD-1 statement on June 30th and closing was on the same day at 6:00PM. W...
by sam101
Tue Jul 05, 2011 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401K to IRA
Replies: 3
Views: 443

Thanks !!! Now I have to work on asset allocation...
by sam101
Tue Jul 05, 2011 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401K to IRA
Replies: 3
Views: 443

Rolling over 401K to IRA

I have old employers 401K with Fildeilty and lately I opened IRA account with fidelity and rolled over all amount toIRA account. Can someone please recommend moderate / aggressive funds where I should invest in.


Thanks
Sam
by sam101
Sun Jul 18, 2010 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my house?
Replies: 0
Views: 421

Should I refinance my house?

I took the FHA loan last year (September 2009) @ 5.25% with 0.25% point buy down. Now my home value is appreciated around 15%. I was thinking to refinance to conventional loan and at least get rid of PMI insurance. Please advise whether refinancing is a good idea at this point. BTW, I plan to stay i...
by sam101
Mon Aug 24, 2009 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Appliances
Replies: 56
Views: 12258

Kitchen Appliances

I am looking and shopping for Stainless Steel Refrigerator, Gas Range, Microwave and Dish washer. There are so many brands and models , I am confused which one to pick.Is it good idea to buy all these from one vendor? If someone has lately purchased, Please share your experience .
by sam101
Thu Aug 13, 2009 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Title Company
Replies: 12
Views: 1819

Do they assign closing/ settlement agent and how reliable are they?
by sam101
Thu Aug 13, 2009 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Title Company
Replies: 12
Views: 1819

Real Estate Title Company

I am first time home buyer (Home located in Virginia) and have been getting different quotes from title companies. Can someone please refer me to a reputable company? In addition can I uy title insurance separatly online? Please advise
by sam101
Tue Aug 11, 2009 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - Should I lock in?
Replies: 15
Views: 2334

for FHA loan with 3.5 % down and 0 point 5.37% and 5.83 APR
by sam101
Tue Aug 11, 2009 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - Should I lock in?
Replies: 15
Views: 2334

Mortgage - Should I lock in?

I have ratified contract and am waiting on locking in my rate. Since yesterday rates has started falling again. Should I go ahead and lock in my rates tomorrow or wait few more days? Please advise
by sam101
Sun Aug 09, 2009 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How to use Seller Subsidy
Replies: 6
Views: 2011

Instead of paying discount points , can i pay more towards pre paids?For example instaed of paying 6 month paroperty tax , I will pay 12 months.
by sam101
Sun Aug 09, 2009 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to use Seller Subsidy
Replies: 6
Views: 2011

Instead of paying discount points , can i pay more towards pre paids?For example instaed of paying 6 month paroperty tax , I will pay 12 months.
by sam101
Sat Aug 08, 2009 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to use Seller Subsidy
Replies: 6
Views: 2011

How to use Seller Subsidy

I am purchasing a home and seller is paying 3% at settlement. My closing costs are coming up around $7000 and loan officer is advising me to buy 1 discount point as I can not use remaining of 3% for down payment or anything else. Can smeone please let me know I can use remaining of these funds for s...
by sam101
Fri Aug 07, 2009 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: FHA vs Conventional Loan
Replies: 0
Views: 672

FHA vs Conventional Loan

I am buying REO property and am getting ratified contract tomorrow. Today interest rates have gone up and am not sure it will dip little next week. Here is my situation, my fico score is around 800 , making 6 figures, home price is 350k, no debts. I can pay 10 % down. Can someone suggest me whether ...
by sam101
Wed May 27, 2009 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

Well I would like it that way, investor assigns the contract to me but I do not think Investor will be buying this idea. It will work where the profit is around 10k but in my case it looks like investor is making around 50k. So for I could not find any lender who is ready to finance me. Your thought...
by sam101
Tue May 19, 2009 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

How he going money if he finance me? Can you please elaborate this?
by sam101
Mon May 18, 2009 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

I agree with you. Banks should be hold responsible for selling properties to these so called investors for a low price although they know the fair market value of these properties. Banks do not care as long as they are bailed out with tax payer money. Even if I do not buy this property , investor is...
by sam101
Mon May 18, 2009 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

Thanks! I know FHA wont do it as they require 90 days before property can be flipped but for conventional loan, it all depends on the lender whether they are following anti flipping guidlines or not. Since there is no law which states "double closing or babck to back closings" is illegal. ...
by sam101
Sun May 17, 2009 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

Thanks ,I have sent email to him.Any idea how much they charge for settlement/closings. Will the attorney take care of everything like title search, title insurance etc...Just curious
by sam101
Sun May 17, 2009 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

The property is in Ashburn, Virginia (20147)
by sam101
Sun May 17, 2009 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Real Estate Attorney in Virginia
Replies: 17
Views: 3076

Looking For Real Estate Attorney in Virginia

I am about to buy a property in Virginia with no buyer's agent. This is a double closings where Investor has approved short sale and closing with bank first and then flipping it to me on the same day. I was thinking instead of using Title company I will use the services of Attorney. I am looking for...
by sam101
Sat Apr 11, 2009 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds
Replies: 10
Views: 2444

Okay. I will certainly go through these books however I need some help right now with choosing fund allocation.I am 35 and have a good job,paying 130k and have 401k with Fidelity with aggressive portfolio.I am planning to buy a home in couple of months and have set aside around 50K for down payment ...
by sam101
Sat Apr 11, 2009 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds
Replies: 10
Views: 2444

Thank you all! Well this is taxable account . I am trying to move money from my CD's to mutual funds. In addition am interested in investing some money in technology stocks as well where I can take risk upto certain extent.My long term financial goals are where my money must work harder than ever. M...
by sam101
Fri Apr 10, 2009 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds
Replies: 10
Views: 2444

Vanguard Funds

I am new to mutual fund world and have been reading posts on this forum for quite some time.I have around 20K and would like to invest in vanguard mutual funds. I am thinking to invest this money in following funds: VINEX,VTSMX and VGENX Please let me know if I am on the right path.Will appreciate y...

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