Search found 1078 matches

by ram
Sun Oct 21, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Health care prices in Wisconsin
Replies: 4
Views: 783

Re: Health care prices in Wisconsin

ram wrote:
Sat Oct 20, 2018 12:48 pm
Some readers may find the prices of common procedures done at a hospital in Wisconsin of some use. (I have no financial interest)
Added: The amount shown is what a 'hospital' charges/gets (not what a physician gets)
http://www.wipricepoint.org/top75.aspx?id=11076
by ram
Sat Oct 20, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5624

Re: Pull kids from school for vacations?

When our kids were in elementary school money was tight and we only took vacations when it was cheaper to do so. We did pull kids out of school for it. If I recall correctly the school allowed absences up to 10 days/year. I do not think it affected their academic performance adversely. They had to w...
by ram
Sat Oct 20, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health care prices in Wisconsin
Replies: 4
Views: 783

Health care prices in Wisconsin

Some readers may find the prices of common procedures done at a hospital in Wisconsin of some use. (I have no financial interest)
Added: The table shows amounts that the hospital charges/gets. (not what a physician gets)
http://www.wipricepoint.org/top75.aspx?id=11076
by ram
Fri Oct 19, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1524

Re: How important is registered mail for important documents?

The US government sent me my passport by regular mail (not registered).
by ram
Fri Oct 19, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5118

Re: Cross-country trip via Amtrak

At the end of our Alaska cruise 3 -4 yrs ago we traveled from Seattle to Minneapolis and the train was 26 hours late. I lost a days' worth of work and I will only travel by Amtrak again after I retire.
by ram
Wed Oct 17, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2858

Re: Reasonable cost for a forever home?

2.7 M= Very reasonable ( 3x annual combined salary).
4.5 M = acceptable (5x)
by ram
Sat Oct 13, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9649

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

At one point of time in my life I have worked 100+ hours a week. For about 4 years. Just curious, was that 100 hours spent at your place of employment? As in 24 hour shifts where you were sleeping some of the time? I ask because it just seems impossible to literally work 100+ hours per week. Not su...
by ram
Sat Oct 13, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9649

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I know some retired physicians doing one or two weekend calls per month. If you cover call from home from friday 5 pm to monday 8 am you can net >1000/ month. This entails being available to come to the ER/ hospital at short notice at any time and doing what needs to be done if called in and coverin...
by ram
Sat Oct 13, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9649

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

she was working 70-80 hours a week I’m always curious about how people manage to work this much on a week in, week out basis. Was that 5, 15 hour days so that she at least had weekends to recoup? Or more like 6, 12 hour days? I’d imagine 7, 10 hour days would be hard to keep up for long. At one poi...
by ram
Sat Oct 13, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4931

Re: Is it worth filing FAFSA even if you know you'll get nothing?

No. I have never filled a FAFSA for either of our 2 kids.
by ram
Sat Oct 13, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5396

Re: Weigh in on our Marital Argument =)-- HCOL edition

!. Stay put - 75% 2. Larger condo- 20% 3. Suburb- 5% My wife and I have lived in urban areas in 3 countries and in apartments from 700 sq feet to 1600 sq ft. We have 2 kids. Currently 4000 sq feet house (including finished basement) in mid west for the 2 of us. You simply have to decide what stuff t...
by ram
Thu Oct 11, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1516

Re: Can a Person Under 21 Rent a Hotel Room?

My children have done this since age 18. They had their CC at that age. If the young adult does not have one I would recommend he carry cash for the rent, taxes etc and an additional $50. Last year I booked a hotel room at one of the Hilton hotels on my points, added my daughter as the second person...
by ram
Thu Oct 11, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1231

Re: How important is it that dentist is member of ADA?

Most boglehead dentists would say that the annual membership fee is not worth it.

I would approach this question same as " How important is it that a retired person is a member of AARP"
by ram
Tue Oct 09, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

Tomato, See attached link about obesity in US. https://stateofobesity.org/adult-obesity/ If I wanted to bet I would bet on an increasing amount of obesity during my remaining lifespan. The best I anticipate will happen will be a flattening of the curve over the next 2 to 3 decades. However as the pr...
by ram
Tue Oct 09, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Medicare drug question - days or pills?
Replies: 18
Views: 829

Re: Medicare drug question - days or pills?

When a patient requires a drug at 75 mg/day and no such pills are available I write prescriptions in any of the following ways: - One pill of 50 and one pill of 25. This entails two copays for the patient. -Half a pill of 150 mg. Entails one copay. Some pills can be safely split. Pills split more un...
by ram
Tue Oct 09, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2277

Re: Child is HS senior: Should college fund have any equities?

I have always kept 100% equities in 529 plans. My daughter graduated from HS in 2010 ....and.....continues to be in "college" (med school). All money was 50:50 domestic: Intt going in. Coming out I withdrew whatever component was ahead in the stock market (mostly domestic stocks). Obviously I have b...
by ram
Tue Oct 09, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 23
Views: 2684

Re: Received IRS notice CP 2000 asking more tax. Need help.

I am the OP.
Received a letter from IRS stating "case closed".
Amount owed 0.00
Thanks to everybody who responded.
by ram
Sun Oct 07, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9628

Re: What is your annual cost for health insurance?

In the spirit of international investing, a UK poster chips in: 0 - no cost of health insurance taxes UK govt spends about £100 bn pa on healthcare, or about £1500 pa per person (public healthcare is c. 90% of all healthcare expenses). So for a household of 2, that would be £3k or say USD 4000. For...
by ram
Sun Oct 07, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9628

Re: What is your annual cost for health insurance?

Man, 20k premiums make me wonder if it is better just to take the risk, save $20k/year, and then pay the uninsured rates at hospitals. I don't have the numbers handy, but at somepoint you have to do the cost/benifit analysis. I'd be curious if someone actually had the numbers handy? I am not willin...
by ram
Sun Oct 07, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9628

Re: What is your annual cost for health insurance?

Total Cost = 22 K. Family plan. We are 2 + adult son below 26. PPO as son lives away from us. HDP. Deductible about 5,000/10,000 Employer = 16 K My portion = 6 K Would be 19K if HMO. In a couple of years there will be only 2 of us and then it will be HMO. I anticipate that my portion of the premium ...
by ram
Sat Oct 06, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 9019

Re: 20 countries where 200K in retirement savings will last you decades

I live in rural Wisconsin. A 900 sq ft apartment is available for $500- 600 rent. Groceries can be had for $200/person. Free library and senior center is available. Summers are very pleasant. However winters can be harsh. I suspect that cost of living will be similar elsewhere in the rural midwest. ...
by ram
Thu Oct 04, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3992

Re: Black suit with dark brown shoes?

no...
by ram
Thu Oct 04, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Fall Foliage
Replies: 29
Views: 2304

Re: Fall Foliage

by ram
Tue Oct 02, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Assisting aunt with sale of palm trees
Replies: 6
Views: 1064

Re: Assisting aunt with sale of palm trees

forgeblast wrote:
Tue Oct 02, 2018 10:48 am
I think 411 is the national dig before you call number.
I think he is looking for "call before you dig number" :)

( Added: It is 811)
by ram
Sat Sep 29, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 81
Views: 10126

Re: Downloadable Social Security Benefit Estimator (repost)

Thanks a lot for your prompt reply. No problems with interpretation of the graphs. Thanks a lot for the excellent work.
by ram
Sat Sep 29, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 81
Views: 10126

Re: Downloadable Social Security Benefit Estimator (repost)

Birthdate Jan 1, 1965.
Started working Jan 1 2005.
by ram
Sat Sep 29, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 81
Views: 10126

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Assuming that from day 1 to the last working day the annual salary of a professional is more than the social security wage base what is the minimum number of years ...
by ram
Sat Sep 29, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Water on Countertop in Basement
Replies: 15
Views: 1224

Re: Water on Countertop in Basement

Once I saw dried water marks on my ping pong table in the basement in the middle of the room with no obvious source around. I concluded it dropped from the ceiling. However it was surprising as it was very localized. After removing the ceiling tiles I saw the ice maker pipe there. The source of the ...
by ram
Sat Sep 29, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019
Replies: 17
Views: 1787

Re: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019

It is possible that lesser number of physicians will accept medicare patients starting Jan 1, 2019. The whole article needs a subscription but the gist is medicare is decreasing payments to physicians.
https://www.nejm.org/doi/pdf/10.1056/NEJMp1809742
by ram
Thu Sep 13, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 6004

Re: Lab test prices - exasperating!

It is my belief that neither health care consumers nor health care providers are happy with the current state of health care billing in our country. These are some of my experiences: I have received funding for medical research on multiple occasions (mostly from the federal government). Each study a...
by ram
Fri Sep 07, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40375

Re: Low-earners- What is your profession?

At one point our household was below the US median household income. (but above food stamp threshold). I was a medical resident at that time and wife was SAHM.
My daughter in her mid twenties has zero income despite 18 years of education. (medical student)
by ram
Fri Sep 07, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Removing Existing Satellite Systems
Replies: 23
Views: 3286

Re: Removing Existing Satellite Systems

Okay, I may leave the mounting plates. Incidentally, why would there be two dishes? Could they have been installed by two different satellite companies and the older one was abandoned? I haven't looked that closely at the cabling. Any insights on this? Also, I don't expect to move, but are existing...
by ram
Mon Aug 20, 2018 12:07 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6652

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

An increasing amount of primary care is now provided by non physicians. ( NP, PA). This is likely to increase in the future. Those patients that value primary care provided by physicians may want to accept inconveniences noted in this thread. Those that find such inconveniences unacceptable certainl...
by ram
Sun Aug 19, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Young dentist seeking advice
Replies: 5
Views: 735

Re: Young dentist seeking advice

How about joining an existing practice of 1 to 10 dentists as a co-owner/partner?
by ram
Fri Aug 17, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13738

Re: Teachers Who Have Net Worth of $1 million +

I teach medical students and medical residents and have a NW >1 M but as a physician I make more than the average high school teacher.
by ram
Mon Aug 13, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1822

Re: Key West Family Vacation - February

Glass bottom boat tour to see brightly colored fish on the corals. About 45 min out at sea.
by ram
Wed Aug 08, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15635

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. W...
by ram
Wed Aug 08, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15635

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. W...
by ram
Wed Aug 08, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15635

Re: Will you pay for your kids' college/graduate education?

MPH Harvard 12 months ..................80 K Interesting comparison. Does Harvard's 10% fee not apply to your situation or is that only for undergrad? https://college.harvard.edu/admissions/choosing-harvard/affordability [/quote] We are fortunate to have a good income and our children will not qual...
by ram
Tue Aug 07, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7363

Re: "Skin in the game"

I agree with the OP. Demonstrating that you are a good student is enough 'skin in the game'. I never did any job during my time as a student. The first money that I earned was as a medical resident. My daughter has done a few jobs as a tutor but all the money that she has earned during college will ...
by ram
Tue Aug 07, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15635

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. We...
by ram
Tue Aug 07, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15635

Re: Will you pay for your kids' college/graduate education?

When my daughter was trying to decide between going to a $70K a year undergrad and a $25K (with merit scholarships) I asked her to prove to me the more expensive school would provide $180,000 more value. I also explained that the $70K*4 would wipe out her 529 account (and then some) so this would b...
by ram
Sun Aug 05, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 7: Bonds during the financial crisis
Replies: 8
Views: 1137

Re: Matter/scatter, part 7: Bonds during the financial crisis

So nisiprius what are your thoughts on the following strategy: 1. For those that are >5 years away from retirement: Continue investing in corporate bonds. Even if they fall they will recover in the next 5 years. 2. For retired people and those nearing retirement keep bonds worth 1 to 2 years of exp...
by ram
Sun Aug 05, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3471

Re: US and UK Deep History: Safe Withdrawal Rates

Thanks Siamond. Excellent analysis.
by ram
Sat Aug 04, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 7: Bonds during the financial crisis
Replies: 8
Views: 1137

Re: Matter/scatter, part 7: Bonds during the financial crisis

So nisiprius what are your thoughts on the following strategy: 1. For those that are >5 years away from retirement: Continue investing in corporate bonds. Even if they fall they will recover in the next 5 years. 2. For retired people and those nearing retirement keep bonds worth 1 to 2 years of expe...
by ram
Sat Aug 04, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Audi A4 -- Does Anyone Have an Opinion About It?
Replies: 31
Views: 3051

Re: Audi A4 -- Does Anyone Have an Opinion About It?

I rented one for 4 days, 300 miles last year (Silvercar). Perhaps the sportiness of any car is wasted on me. I was not impressed. I prefer Lexus LS 460 (costlier, I think) and Toyota Avalon (cheaper, I think) to the Audi A4. I like quiet reliable cars. It was not a bad car, but just not worth the pr...
by ram
Wed Aug 01, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7096

Re: DW job in dangerous area

Last summer my daughter had a choice of attending Johns Hopkins or Harvard. We (parents) suggested and she agreed to go to Harvard mainly based on the relative safety of Boston/Cambridge vs Baltimore.
by ram
Sun Jul 29, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5573

Re: ACT test - got 34, try for 36?

I live in rural midwest and had to drive my son 30 miles away for the ACT test. I got lost and we reached there 15-20 minutes after the test had started. He got 35. Later he retook it and got 36. He had good scores on PSAT, SAT etc. He got full tuition scholarship at a private college worth about 16...
by ram
Sun Jul 29, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Dual language vs Traditional Public School
Replies: 23
Views: 1333

Re: Dual language vs Traditional Public School

I worked in 3 different countries while my children were 0 to 12 years of age. Both of them started learning 3 languages all at almost the same time. These are the 3 languages which both of us (parents) speak fluently. It is relatively easy to learn languages at young age. They always learned scienc...