Search found 1093 matches

by ram
Fri Dec 14, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 28
Views: 3475

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. Good to hear ram. I am sure you are relieved to have this sorted. Our inquiry is still outstanding. After supplying the details proving that the amounts billed by the university were i...
by ram
Sun Dec 09, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6606

Re: are pre-fabricated homes a bad investment?

I live in rural Wisconsin and this company builds prefab houses.
http://www.stratfordhomes.com/

Typically people own their land. The home is not movable once built. To my non expert eye these houses look decent.
by ram
Sat Dec 08, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for children’s money.
Replies: 17
Views: 1279

Re: Best place for children’s money.

My kids kept this money with "Bank of Dad" which promised a lifetime 5% rate of interest calculated annually. My daughter who has been depositing money in the account since about age 8 just collected a lump sum of about $7500 in her 4th year of med school. She is using that money to travel across th...
by ram
Sat Dec 08, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 3972

Re: Stressed/Job loss/Retirement possible?

You are in a much better position than what you might think. 3.3% withdrawal of 3M is 100k which should be sustainable for 40 years. A low stress job for at least one of you with a good insurance will be helpful. That way the other person can look for a somewhat better paying job that may not have i...
by ram
Sat Dec 01, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP versus regular health plan
Replies: 12
Views: 1275

Re: HDHP versus regular health plan

See what Nisiprius wrote above. I am not as smart as he is. So this is the way I made my decision to go the HDHP way: When my parents had an extra $1000 they would put it in a CD and take a "steady" 5% return. When I have an extra $1000 I put it in my 65/35 Vanguard brokerage account with the "hope"...
by ram
Fri Nov 30, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1967

Re: United HealthCare

Like most health insurance companies I suspect United has multiple plans. Just like Toyota makes multiple vehicles. I like their Camry and Highlander but not their truck. I suspect your satisfaction or lack of it as a patient will depend on whether your employer has their Cadillac plan or Chevy plan...
by ram
Wed Nov 28, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7429

Re: Employeer taking vacation days on public holidays - is this legal or normal?

This is bizarre. I've never heard of this before. I don't think the issue here is whether or not employers are required to provide paid holidays. Rather, the issue is selectively granting a paid holiday to some employees and not others based on arbitrary, unrelated criteria. IANAL but I think you m...
by ram
Tue Nov 27, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 3744

Re: Car advice - new attending - what to buy?

Another attending here. I prefer reliable, non flashy, boring cars. Over the years these have been :
Accord, Camry, Accord, Honda Odyssey van, Avalon, and Lexus LS 460. Satisfied with all of them. At your income I would buy a new car especially if you are looking for a non luxury brand.
by ram
Sat Nov 24, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5450

Re: New TV Recommendations Please?

https://www.costco.com/Samsung-75%22-Class-(74.5%22-Diag.)-4K-UHD-LED-LCD-TV.product.100412573.html I have ordered this 75" TV but not yet received it. 99.9% of the time only 1 or 2 people see the TV from sitting in front of it (not an angle) in our house. For about 1600 I could get a 55" OLED or a ...
by ram
Thu Nov 22, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13887

Re: Physician Credentials: Offshore vs. American Medical Schools

This reminds me... I used to read physician job postings in medical journals (and elsewhere), and many used to say they wanted someone "board certified or board eligible". My understanding was board eligible meant all training completed, but just hadn't (yet?) taken the boards, or perhaps hadn't pa...
by ram
Thu Nov 22, 2018 4:00 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13887

Re: Physician Credentials: Offshore vs. American Medical Schools

There is no clear cut evidence to show that US medical graduates are better or worse than foreign medical graduates. Location/reputation of residency/fellowship program is much more important than the location of the medical school. US citizens that graduated from Caribbean schools typically means t...
by ram
Tue Nov 06, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ophthalmologist - Cornea Specialty... Best type of practice??
Replies: 8
Views: 1049

Re: Ophthalmologist - Cornea Specialty... Best type of practice??

Usually you pick one of the two:
Income
or
Quality of life.
by ram
Wed Oct 31, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2706

Re: Luxury Sedans for around $25k used with lower miles? AWD?

My 2012 Lexus LS 460 AWD, 65 K miles will satisfy most of your requirements and I think a similar car should be available for about 25 K. I would strongly recommend it.
I got it 3 yrs ago at 40K miles for $40K
by ram
Wed Oct 31, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3628

Re: The most you ever paid for a prescription

Many times each day I write prescriptions that are $500/ mo. A couple of drugs I prescribe about once a week cost 1400-1500/mo. My patients with the best insurance plans typically pay $50/mo for these. Many of the costly drugs that I prescribe have much cheaper alternatives that are somewhat less ef...
by ram
Wed Oct 31, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Just a sincere Thank You!
Replies: 4
Views: 875

Re: Just a sincere Thank You!

Congrats. You got a treat on Halloween.
by ram
Sun Oct 21, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Health care prices in Wisconsin
Replies: 4
Views: 845

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: 6091

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: 845

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: 1644

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: 5692

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: 2938

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: 9961

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: 9961

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: 9961

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: 5184

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: 102
Views: 10568

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: 1581

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: 1289

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: 4697

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: 868

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: 2345

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: 28
Views: 3475

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: 10110

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: 10110

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: 10110

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: 9273

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: 4122

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: 2362

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: 1083

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: 86
Views: 11377

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: 86
Views: 11377

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: 86
Views: 11377

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: 1250

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: 1834

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: 6097

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: 40902

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: 3464

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: 6756

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: 749

Re: Young dentist seeking advice

How about joining an existing practice of 1 to 10 dentists as a co-owner/partner?