Search found 1267 matches

by ram
Sun Sep 22, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 23
Views: 1761

Re: Traveling to Riyadh for Business

Thanks to all who have replied. I'm male, so that makes things easier for me in Saudi Arabia. That said, I may be traveling with female colleagues. How do I safely navigate that? What business are you in that allows female employees to travel to KSA? I highly recommend not taking female colleagues ...
by ram
Sun Sep 22, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 23
Views: 1761

Re: Traveling to Riyadh for Business

I have worked in middle east many years ago. Do not take any alcohol with you. (Tobacco is fine). If you are a non Muslim do not take any artifact associated with any religion (Example : a cross) There is no law against it but for males it is probably best not to wear shorts in public. (For females...
by ram
Sun Sep 22, 2019 4:49 pm
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 60
Views: 9803

Re: retiring abroad with savings worth 200k...

There are countries where 1000$ is nowhere close to poverty but provide frugal but decent living for a family of 2 and pretty good living for one person. You would live in a nice city with very low dangerous crime and go to the opera, theater and philharmonic and spend your evenings drinking beer w...
by ram
Sun Sep 22, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 13
Views: 1145

Re: Quiz: How Well Do You Know Social Security

I tied. (not yet retired)
by ram
Sun Sep 22, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 23
Views: 1761

Re: Traveling to Riyadh for Business

I have worked in middle east many years ago. Do not take any alcohol with you. (Tobacco is fine). If you are a non Muslim do not take any artifact associated with any religion (Example : a cross) There is no law against it but for males it is probably best not to wear shorts in public. (For females ...
by ram
Sun Sep 22, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Have you copyrighted a poem?
Replies: 16
Views: 898

Re: Have you coyrighted a poem?

123 wrote:
Mon Sep 16, 2019 3:03 pm
Roses are red,
violets are blue,
copyright begins when you tangibly record your work,
there is nothing more now that you need to do
Roses are red.
Violets are blue.
Have I just stolen some copyrighted material.
I have no clue.
by ram
Sun Sep 22, 2019 12:47 pm
Forum: Personal Investments
Topic: I am being asked to retire. Am I ready?
Replies: 56
Views: 5126

Re: I am being asked to retire. Am I ready?

Yes. You are financially ready. Look into the other aspects of readiness. You have $ 4 M (not counting SS) Take 3% of it out every year and adjust it each year for inflation and you should have more than enough till age 100. 3% = 120K/yr in year 1. Think about where you will spend the extra 2K. You ...
by ram
Fri Sep 20, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 140
Views: 6634

Re: How hard is it to get into college?

Have her sit for an ACT test and you will have a realistic idea of where she can go based on the scores. It would be reasonable to assume that scores will improve as she advances to jr/ sr year. My son gave the ACT test in the 7th grade and his score was better than the average of the middle 50% stu...
by ram
Fri Sep 20, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7274

Re: How to handle "split-the-bill" group lunches?

How about one food bill and one alcohol bill split by the appropriate denominator.
by ram
Tue Sep 17, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 3759

Re: International Medical emergency story

Hello Bogleheads, I was shocked that the doctors are independent contract workers in Canada, and this is the way they behave unfortunately, They wouldn’t perform any medical procedure unless they were 100% sure they were going to get paid. T.V.I.B 1) A foreigner got prompt appropriate emergency hea...
by ram
Sun Sep 15, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Two Chase Sapphire Reserve Cards or one CSR + 1 other
Replies: 12
Views: 1275

Re: Two Chase Sapphire Reserve Cards or one CSR + 1 other

I agree with just one CSR. That's what my wife and I do --- a CSR in my name, and I just pay for all travel and dining. A Freedom Unlimited in my name and she has a free add-on card for the same account. Only minor downside I can think of is if she wants to travel or eat out without me, we don't ge...
by ram
Sun Sep 15, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Two Chase Sapphire Reserve Cards or one CSR + 1 other
Replies: 12
Views: 1275

Re: Two Chase Sapphire Reserve Cards or one CSR + 1 other

HornedToad wrote:
Sun Sep 15, 2019 1:31 pm
You can also request a replacement CSR if you want and give it to your wife to use as well so you both have one that just go to the same account.
Thanks. Can you get a free replacement or do you mean $75 add on member.
by ram
Sun Sep 15, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Two Chase Sapphire Reserve Cards or one CSR + 1 other
Replies: 12
Views: 1275

Two Chase Sapphire Reserve Cards or one CSR + 1 other

Like many others on this board I agree that Chase Sapphire Reserve (CSR) is a good travel credit card. My wife and I both have one each. This means a net cost of $150/year x 2 for our family. (or $125 x 2 if adjusted for Global entry card fee). We will always have at least one CSR between the two of...
by ram
Fri Sep 13, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4270

Re: Best Dog Car?

I have no dogs. But one of my 3 vehicles is a Honda odyssey and these days it is seldom that it carries more than 2 humans. I have removed the middle row captains chairs and the 3rd row folds flat. That opens up a lot of free space.
by ram
Thu Sep 12, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Hospital/Doctor Release Form
Replies: 27
Views: 1919

Re: Hospital/Doctor Release Form

To provide lower cost health care to patients the hospital has to decrease its cost. The above is one of the methods to do so.
by ram
Wed Sep 04, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 3791

Re: Pre-paid Funeral Expenses

1. Dont know.
2. No.
by ram
Sun Sep 01, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 167
Views: 9519

Re: How Have You Planned for Sequence of Return Risk (SOR)?

If you retired in 2009 or shortly afterward it is entirely possible your retirement has benefited hugely from sequence of returns risk. It has, that is, if you planned for it by carrying a large allocation to US stocks. Perhaps it is time to introduce a new term: Sequence Of Return reward (SORr). T...
by ram
Sun Sep 01, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for after getting high income
Replies: 46
Views: 6063

Re: Advice for after getting high income

We are older than than you couple. I now pay for lawn care and so I can spend more time on this forum. My wife pays for a maid for kitchen help, laundry, cleaning and so has more time to watch TV and gardening. She has also cut back on her work hours and thus purchased more time for herself.
by ram
Thu Aug 29, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18266

Re: Merits of a Selective School

How does a family making $250k get a full ride to state? Inquiring minds want to know! In all honesty, this seems a rather contrived example. Many schools would give significant merit aid to an applicant with a 4.0 and a 1500 on the SATs. Can you point to "many"? For instance, the UC's won't. My so...
by ram
Thu Aug 29, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Elderly prescription refills when homebound
Replies: 8
Views: 634

Re: Elderly prescription refills when homebound

The pharmacy part is easy.
The doctor part will be tougher. In "some" areas of the country doctors make house calls.
Concierge medicine may need to be part of that commitment.
by ram
Wed Aug 28, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2585

Re: Maui Honeymoon Daily Spending Budget

$100/head/day for food.
$12 to 15 for a typical alcoholic beverage.
$150 to 1000 /head for excursions. Helicopter tours are costly.
Agree with suggestions above to save money.
by ram
Sun Aug 25, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6026

Re: Physician quality and experience

In most professions 10 years after college would be considered 'experienced' Specialist physicians have that much experience on day 1 of the job. ( 4 years of med school, 3 yrs residency and usually 3 yrs fellowship) For primary care it would be 4 years on medical school and 3 years of 80 hours/ wee...
by ram
Sun Aug 25, 2019 12:09 pm
Forum: Personal Investments
Topic: Help
Replies: 12
Views: 776

Re: Help

Consider Vanguard Wellesly as your single fund for the $900 K. It has 38% stocks and with 400K in CDs gives you 26% stocks which is near the lowest recommended portion of stocks. It has less ups and downs than other funds.
by ram
Sun Aug 25, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9423

Re: The cost to talk to a doctor

With my previous employer based health insurance, if I wanted to talk to a doctor it would generally cost a $45 copay. My employer now uses a high deductible health plan (HDHP) with a deductible of $12,000. When I called to ask what it would cost to talk to my doctor, they said it depends on what's...
by ram
Thu Aug 22, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18266

Re: Merits of a Selective School

b) 4.0 GPA 1500 SATS parental income of 250k. Gets 0 dollars to go to Harvard, gets full ride to state school A goes to Harvard. B goes to state school. Are you measuring the effects of going to Harvard versus State school or are you measuring the fact effects of being raised in an upper middle cla...
by ram
Wed Aug 21, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 18266

Re: Selective Colleges

Psteinx, Very good observations and I agree with most of them. One point about AP credits. With significant amount of these credits one can get sophomore or junior standing on day 1 of your college and that helps to get in the classes of your choice which in turn helps in graduating within 4 years. ...
by ram
Mon Aug 19, 2019 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Value of continuing education later in career
Replies: 13
Views: 1004

Re: Value of continuing education later in career

For many people with professional licenses, one cannot renew their license without proving they took some CE courses and got credit. If they don't, then they lose their license and they are out of a job. So there's lots of value in CE. True. My state needs 32 hours of CME /2 years to maintain my me...
by ram
Mon Aug 19, 2019 11:04 pm
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2564

Re: How much does your employer 401k plan charge?

5000+ employees.
Fidelity.
$38/year.
Availability of Total (US) Market and Total bonds at <5 basis points.
by ram
Mon Aug 05, 2019 8:02 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12717

Re: Buy During This Dip?

Hopefully. When the dip reaches -10%.
by ram
Sun Aug 04, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 2949

Re: Medicare vs Eye Docs

If the eyelids are drooping enough to obstruct vision then it is not cosmetic surgery and insurance 'should' pay. Optometrist will be of no use for the droopy eyelid. You will need an opthalmologist preferably with additional qualification in orbital surgery or oculoplasty. Best to call and ask. The...
by ram
Sun Aug 04, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 4021

Re: "Duty Free" shops at Airports

I buy scotch at duty free airports but I compare prices before I buy and frequently Costco prices are lower than at duty free shops. But the choices at Costco are much less.
by ram
Sun Aug 04, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Is this mortgage calculation wrong by bank?
Replies: 13
Views: 866

Re: Is this mortgage calculation wrong by bank?

Do you have a variable interest rate mortgage and did the rate reset between July and August?
by ram
Mon Jul 29, 2019 6:30 pm
Forum: Non-US Investing
Topic: Will India need cost basis for IRA and Roth at distribution
Replies: 6
Views: 620

Re: Will India need cost basis for IRA and Roth at distribution

I do not know the answer but if I were in your shoes I would ask an accountant in India, preferably someone specializing in people with overseas accounts. One would be more likely to find such a person at a large accounting firm in a major city.
by ram
Mon Jul 29, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: [Niagara Falls in September]
Replies: 12
Views: 522

Re: Niagra Falls Sept

I prefer staying on the Canadian side and spending more time on that side.
by ram
Thu Jul 18, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 7314

Re: Is good, quality luggage worth the price?

Starfish wrote:
Mon Nov 26, 2018 3:27 pm
What are the companies making good quality luggage? Thank you.
Briggs and Riley.
Tumi.
Costlier lines of Travelpro.
Eagle creek.
by ram
Tue Jul 16, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6059

Re: College cost prediction and savings for 5, 3, and newborn

Health care expenses in US ( (top line in graph) have stabilized at about 16% of GDP the last few years after many years of relentless increase. https://www.google.com/search?nfpr=1&tbm=isch&q=Flattening+of+health+care+cost+increases&spell=1&sa=X&ved=0ahUKEwjyuof9y7rjAhWXX80KHfP8CfQQBQg9KAA&biw=1920...
by ram
Mon Jul 15, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2635

Re: Should I knowingly buy a fake antique?

He has it.
You want it.
The price is right.
Go ahead. Buy it.
by ram
Sat Jul 13, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4892

Re: "Objective" Importance of Keeping Your Physicians?

I'll give one "objective" reason, although I suspect it will raise as many questions as it answers. I think you get less unnecessary testing and defensive medicine while you are staying with one doctor. I've had four primary care doctors in thirty years. The first change was because my employer cha...
by ram
Tue Jul 09, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4049

Re: How to obtain contracted rates for medical procedures?

What? Are you saying that within your single network you can see different providers of the same type ie cardiologists etc and they charge different prices each? This is hard to believe. I work for a medical facility which has many different geographic locations. Medicare pays 10% more for the exac...
by ram
Sun Jul 07, 2019 4:55 pm
Forum: Personal Investments
Topic: Under age 50 and have a stock allocation less than 50%?
Replies: 25
Views: 2684

Re: Under age 50 and have a stock allocation less than 50%?

You state that you are risk averse. You have an appropriate stock: bond allocation for your risk averse status. Nothing wrong with this.

You trying to do what the investment gurus suggest for an average person and then bailing when stocks go down would be a worse situation than the current status.
by ram
Sun Jul 07, 2019 4:20 pm
Forum: Personal Investments
Topic: 6M retirement asset allocation and tax advice
Replies: 21
Views: 3532

Re: 6M retirement asset allocation and tax advice

Just my opinion, others will have a more complicated method. Put $3M in Fixed income in tax deferred. Put everything else in a mix of Total Stock or Total World Stock or Total International Stock depending on your preferences. Easy Peasy. ETA: I see you have $2M in tax deferred space. Fill it with ...
by ram
Thu Jul 04, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8226

Re: Big Hospital Bill - Anyway to negociate ?

Have you looked at how much you saved on insurance premium by taking the HDHP. If it is more than 6000 you are already ahead.
HDHP plans are not for everybody. For those that prefer a more uniform monthly payment the traditional low deductible plans are more appropriate.
by ram
Tue Jul 02, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7579

Re: Healthcare Nightmare after wife's surgery

If the assistant participated in her surgery, then his/her name should have been on the consent unless he/she was urgently consulted due to something that was found in the OR. Without the name being on the consent, I would say that he/she wasn't authorized to be in the OR and shouldn't be authorize...
by ram
Mon Jul 01, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 1909

Re: SF Bay area: high school and college apps

1. Seems college apps heavily way where on the class bell curve u rank. E.g. UC's (and some private colleges) only consider the top 12% of high school class, or top 9% ? Seen both numbers, dont fully understand. A quick internet search reveals that only 80% of high school students graduate high sch...
by ram
Mon Jul 01, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5279

Re: Frontier or Spirit Airlines

Last year frontier cancelled my flight on both outbound and inbound and "automatically" rebooked me on another flight such that travelling time was extended by 2 days and time at destination declined from 5 days to 3 days. There were 12 to 20 hours between connections. The Email they sent me was: Cl...
by ram
Mon Jul 01, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2273

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

When a service may be required but there is no guarantee that it will be required you need somebody to be "on call". Hospitals deal with this situation all the time by having physicians on call. I assume that there would be some nannies willing to take call for the appropriate price and the higher "...
by ram
Mon Jul 01, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7579

Re: Healthcare Nightmare after wife's surgery

If the assistant participated in her surgery, then his/her name should have been on the consent unless he/she was urgently consulted due to something that was found in the OR. Without the name being on the consent, I would say that he/she wasn't authorized to be in the OR and shouldn't be authorize...
by ram
Sun Jun 23, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1304

Re: One Medical as Primary Care Provider

I do not know anything about One medical but assume that it is a 'for profit' company. There is decent money to be made by providing healthcare to commercially insures relatively healthy people. I assume that the extra $199 is supporting the electronic infrastructure and does not add any extra remun...
by ram
Sun Jun 23, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Daughter: Vanguard, Fidelity, or Something Else
Replies: 20
Views: 1666

Re: Helping Daughter: Vanguard, Fidelity, or Something Else

My daughter whose situation roughly corresponds to your daughter's is going to keep her University's credit union account and use Vanguard for investment. These are linked. She will need to pay for ATM use but plans on keeping it to a minimum.