Search found 1219 matches

by ram
Sun Jun 23, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1133

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: 1334

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.
by ram
Sun Jun 23, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home, etc?
Replies: 11
Views: 721

Re: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home, etc?

Ikea furniture is good enough for my basement, kids bedroom and guest bedroom. For the main floor and master bedroom I have furniture from "real" furniture stores or custom made or Costco. Among these the pieces from Costco are the most cost effective. But Costco has limited choices and I have never...
by ram
Sat Jun 22, 2019 1:15 pm
Forum: Personal Investments
Topic: Resident Physician
Replies: 27
Views: 3678

Re: Resident Physician

Can someone explain what is meant by tax efficient accounts vs taxable accounts? Also, what is meant by putting assets in a tax efficient manner? Tax efficient = 401K, 403B, 457, Roth. Taxable accounts = not tax efficient. Put bonds in tax efficient and stocks in taxable account. (general advice, b...
by ram
Wed Jun 12, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5437

Re: Job opportunity - KSA/Bahrain

I have worked in Saudi Arabia for 3 years. Recommend you go there alone and bring your wife and kids after 6 to 12 months after knowing the situation. My wife and kids stayed with me about 50% of the times while I was there. At a park 2 blocks from my house there were alternate days designated "Male...
by ram
Sat Jun 08, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 55
Views: 4083

Re: Things to do in Maine

https://www.google.com/travel/hotels/Ogunquit/entity/CgoI3-Dey5bC_qtZEAE?g2lb=4208993%2C4223281%2C4242898%2C4251619%2C4252106%2C4253230%2C4254308%2C4258168%2C4260007 We spent 3 nights at Beachmere Inn in Ogunquit last year. Recommend it . Nice big beach, will be good for the young and the old at low...
by ram
Sat Jun 08, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6086

Re: Suggestions on fraudulent medical bill

I have only heard one side of the story and so I wont comment on this particular instance. However for clinic follow up visits I frequently (and legitimately) bill level 2, level 3 and level 4 without coming within 5 feet of the patient. I do speak with the patient but an exam requiring touching the...
by ram
Sat Jun 08, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3105

Re: Refrigerator Advice

I bought LG LFXS 30766S standard depth, french door, lower freezer, stainless steel model 2 months ago. Meets all your wife's criteria and 1/3 of yours. (energy efficient). We find the door in door more useful than we thought at the time of buying. Reliability and longevity: yet to be decided. But a...
by ram
Sat Jun 08, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 130
Views: 19070

Re: Cash - Throw it all on the table!!!

Normally 30 days worth of expenses. We have 2 good reliable salaries. If you take into consideration the zero interest 30 day credit offered by credit cards then essentially we keep a zero cash balance. We have about 200 to 500 in paper bills in the house (upper end of the range in summer for farmer...
by ram
Sat Jun 08, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3081

Re: Gift for niece who is graduating as a Physician Assistant.

Littman's stethoscope.Classic or cardiology depending on your budget. Avoid the electronic one. Good option even if she already has one. Will be appreciated if she is currently using a cheaper one. https://www.amazon.com/slp/littmann-stethoscope/dwz3r7mwy8wg62u I would avoid giving any electronic "b...
by ram
Wed Jun 05, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 10
Views: 985

Re: Recommendations for 2 way radio.

What is the purpose of the 2 way radio? The group will have many cellphones and most of the times hopefully at least one cell phone in each group will work. But the group will have many people who have no experience of hiking in NPs. I think a two way radio with about 2 miles + radius should work. ...
by ram
Wed Jun 05, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 10
Views: 985

Re: Recommendations for 2 way radio.

Thank you everybody. I learned a lot of new things from stufunds post. I will buy a set of FRS radios and see how it goes. Will let you know about the experience after the trip.
by ram
Tue Jun 04, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 10
Views: 985

Recommendations for 2 way radio.

My wife and a few friends are going to yellow stone NP for a week. They will be in 2 groups in 2 cars. When we had visited a few years ago cell phones frequently did not work. She is looking for a couple of 2 way radios with a decent range. Would prefer rugged waterproof ones. What are the advantage...
by ram
Sun Jun 02, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 37363

Re: For those who earn $500k+ per year. How'd you do that?

How exactly does one work a 100 hr week on a regular basis? 100/7 = 14.28 hrs/day if working 7 days per week 100/6 = 16.7 hrs/day if working 6 days per week 100/5 = 20 hrs/day if working 5 days per week How much time per day is the commute, getting ready for work, eating, going to bathroom per day?...
by ram
Sat Jun 01, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: WA resident, purchased vehicle from CA
Replies: 6
Views: 637

Re: WA resident, purchased vehicle from CA

I bought a used car in an adjoining state and for $10 I got temporary / 30 day licence plates for that state. (Printed on paper and taped to back window from inside).
Within 30 days I went to the DMV in my state, paid the sales tax and registered the car with usual licence plates.
by ram
Mon May 27, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14671

Re: just a general comment about "too conservative" investors here

Grt2bOutdoors wrote:
Fri May 24, 2019 7:22 am
ram wrote:
Thu May 23, 2019 11:06 pm
20% bonds
40% Large cap domestic
20% Small cap domestic
20% Total international
(Total market is not available cheaply to her in the 401K).
Looks good to me, the allocation. I’d suggest keeping it at 80/20 until 40 and then re-evaluate.
Thanks Grt2boutdoors.
by ram
Mon May 27, 2019 12:24 pm
Forum: Personal Investments
Topic: Is this a good long-term portfolio?
Replies: 37
Views: 3061

Re: Is this a good long-term portfolio?

Your proposed AA is much more risky than the average on this board, perhaps in the top 5% risky group on this board. But that does not make it a bad portfolio. Realize though that if it does not do well then you may have to work an extra 5 to 10 years beyond your planned 15 years to FI. That is exac...
by ram
Sun May 26, 2019 6:00 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2364

Re: Retiredjg at 36,000 posts!

Thanks a lot retired jg
by ram
Thu May 23, 2019 11:06 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14671

Re: just a general comment about "too conservative" investors here

I respect everything that Valuethinker writes and he is one of the posters whose posts I seek out. I also consider the Boglehead forum as a bible of investing. Having said that I think that the forum as a whole is too conservative. Last week I had a investment conversation with my daughter who is in...
by ram
Wed May 22, 2019 10:28 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8692

Re: $400,000 gift to stepdaughter

Thanks Prahasaurus. So with that said, does anyone have thoughts about investing the money long term in a permanent 65% stock/35% fixed income allocation? Initially I plan to invest $325,000 in Vanguard LifeStrategy Growth Fund (VASGX), and $75,000 (or 5 years’ worth of payout) in Vanguard Prime Ma...
by ram
Sun May 19, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17977

Re: High net worth, elite private or “good” public

Private. (You said money is not an issue.) The way I would look at it is to send the kids to the best available school. Public or private is inconsequential under the circumstances. This is from someone whose kids attended public school. My daughter was the state topper in high school and son had a ...
by ram
Sun May 19, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2928

Re: Crazy to Sell a Newer Car for an Older Car?

I did not read all replies. But sometimes parents give their kids a safe reliable car so that they can sleep better at night. You may sell this car, buy a clunker and invest the difference but you may be spoiling their sleep in the process.
by ram
Sat May 11, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3095

Re: Best month to visit London?

England is hosting the cricket world cup from May 30 to July 14 with important matches in London. https://en.wikipedia.org/wiki/2019_Cricket_World_Cup
by ram
Sun May 05, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 11575

Re: College Expenses

I paid the full "advertised rate" at Harvard for my daughter.
My son attended Vanderbilt University on full tuition scholarship (merit based). I only paid for room and board. This turned out to be cheaper than the instate premier school.
by ram
Sun Apr 28, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16509

Re: Man’s life savings stolen from hijacked cellphone number

I am getting a yubikey for my Vanguard account. I never use a cell phone for logging on to financial accounts and typically use only 2 computers one at home and one at work. Which Yubikey is recommended. Is this one ok. https://www.amazon.com/Yubico-Security-Key-USB-Authentication/dp/B07BYSB7FK/ref...
by ram
Sun Apr 28, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: Why an 0.57 "low correlation" represents only an 11% volatility reduction
Replies: 56
Views: 3468

Re: Why an 0.57 "low correlation" represents only an 11% volatility reduction

Nisiprius, Thanks for your excellent assessment. I agree with you that 32 basis point improvement in returns is not much. I also agree that 'stuff happens' and the stuff that happens can easily have a magnitude of 32 basis points. My question is regarding the "direction" of change when stuff happens...
by ram
Sun Apr 28, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16509

Re: Man’s life savings stolen from hijacked cellphone number

I am getting a yubikey for my Vanguard account. I never use a cell phone for logging on to financial accounts and typically use only 2 computers one at home and one at work. Which Yubikey is recommended. Is this one ok. https://www.amazon.com/Yubico-Security-Key-USB-Authentication/dp/B07BYSB7FK/ref=...
by ram
Tue Apr 23, 2019 8:59 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12341

Re: Call the Top!

3200.00
by ram
Fri Apr 19, 2019 8:34 pm
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9447

Re: Thinking about selling stocks near all time highs

I am also thinking of selling. I had over corrected (market timed) in December 2018. At that time I had planned to get back to the usual AA when the stocks reached their respective new all time highs. Once the 500 index climbs 1% more I will start selling the 500 index funds. The small caps will lik...
by ram
Mon Apr 15, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9669

Re: Luxury car recommendations?

Thanks much for your responses so far! Let me clarify a few common questions. It may sound crazy but I'm considering to spend a bit more on cars because I'm fortunate in a position to be able to, not because I really care about cars :-) So I'm looking for some amenity like leather seats, quieter ru...
by ram
Sun Apr 14, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 91
Views: 7619

Re: Which College? 3 years or 4 years?

I highly recommend that students who can go ahead and complete their degree requirements in 3 years. As for friends from HS, almost all will change after a semester at college. He will have mostly new friends. And they are not gonna be the normal freshman. They are gonna be the freshmen in sophomor...
by ram
Sun Apr 14, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 91
Views: 7619

Re: Which College? 3 years or 4 years?

Maybe the OP (ram) would like to tell us how his son did at Vanderbilt and whether he did end up going to medical school. :happy My son did very well at Vanderbilt for the initial 3 years before he dropped out of college. He finished the necessary premed courses in 2 years and gave the MCAT (medica...
by ram
Sun Apr 14, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Recommendations for counter depth 70" tall, 36"wide fridge
Replies: 8
Views: 695

Re: Recommendations for counter depth 70" tall, 36"wide fridge

I bought LG LFXS 30766S standard depth, french door, lower freezer model. It has a door in door which seems to be more useful than what I thought. Icemaker is small but adequate for our needs. Cant comment on reliability yet but good per consumer reports. Last fridge lasted >10 yrs with the ice make...
by ram
Sun Apr 14, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 4922

Re: French Door Refrigerator Recommendations?

I bought LG LFXS 30766S standard depth, french door, lower freezer model 2 weeks ago. It has a door in door which seems to be more useful than what I thought. Icemaker is small. Cant comment on reliability yet but good per consumer reports. Last fridge lasted >10 yrs with the ice maker shut off (wat...
by ram
Sun Apr 14, 2019 12:03 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 7285

Re: If you have plenty of money, why not 100% stocks in retirement?

Once a person has "plenty of money" asset allocation does not matter. Anywhere from 100/0 to 0/100 is fine. In fact I would propose that the definition of 'plenty of retirement money' should be a number that allows 100% success at 4% withdrawal for 30 years at any asset allocation ratio. (using the ...
by ram
Wed Apr 10, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of 0% Long Term Capital Gains tax rate
Replies: 9
Views: 1305

Re: Best use of 0% Long Term Capital Gains tax rate

kaneohe wrote:
Tue Apr 09, 2019 11:16 pm
see p. C1 here https://www.irs.gov/pub/irs-pdf/p4012.pdf

too old to be qualifying child and earns too much to be qualifying relative so not a dependent.
Thanks
by ram
Tue Apr 09, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of 0% Long Term Capital Gains tax rate
Replies: 9
Views: 1305

Re: Best use of 0% Long Term Capital Gains tax rate

I believe the 0% rate for 2019 tops out at $39,375, not $38,600 (the upper limit in 2018). Here is a great explainer (the numbers are different now than when this was written): https://www.kitces.com/blog/understanding-the-mechanics-of-the-0-long-term-capital-gains-tax-rate-how-to-harvest-capital-g...
by ram
Tue Apr 09, 2019 8:17 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2646

Re: Resident Doctor... trying to maximize income

1. Focus on developing your human capital as a physician/surgeon during your residency/fellowship and first 3-5 years as junior staff. This will provide you with a potential lifetime cash flow to meet your goals. 2. Learn to live below your means and save aggressively (20%+) as best you can. There ...
by ram
Sun Apr 07, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of 0% Long Term Capital Gains tax rate
Replies: 9
Views: 1305

Best use of 0% Long Term Capital Gains tax rate

My wife and I are in a high tax bracket and so we avoid capital gains in our taxable account. For the first 6 months of this year my daughter will be a medical student with zero income. For the last 6 months of this year she will be a medical resident with an annual salary of about 60,000 or about 3...
by ram
Tue Mar 26, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Recommendations for counter depth 70" tall, 36"wide fridge
Replies: 8
Views: 695

Re: Need recommendations for counter depth 70" tall fridge

michaeljc70 wrote:
Tue Mar 26, 2019 3:03 pm
What is the width?
Width 36"
by ram
Tue Mar 26, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Recommendations for counter depth 70" tall, 36"wide fridge
Replies: 8
Views: 695

Recommendations for counter depth 70" tall, 36"wide fridge

We live in a rural area with few stores. Prefer models that do not need parts shipped from overseas and take many weeks.
With or without icemaker are both fine. Costco is too far away for such heavy things. Thanks.
by ram
Fri Mar 22, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Thinking of renting an Audi through Silvercar in Orlando
Replies: 6
Views: 823

Re: Thinking of renting an Audi through Silvercar in Orlando

I rented it in Miami thru the Chase sapphire reserve card. Got a 30% off. Keep your cell phone charged at all times. That is your car key. Good service. A guy waiting for you in a hotel parking lot with the car. Declined all insurance as I had coverage from my usual car insurance and CC.
by ram
Tue Mar 19, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1447

Re: Toyota Sienna minivan for road trips

Honda odyssey has served us very well for road trips. For two people and a suitcase we prefer Avalon or Lexus 460 (quieter) but for 3 or more people or tent camping for 2 people we prefer odyssey (more cargo space, very good second row captains chairs)
by ram
Sun Mar 17, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7822

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Buy it. My wife loved it when our kids were small.
by ram
Thu Mar 07, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop and settle at one place?
Replies: 34
Views: 4399

Re: When to stop and settle at one place?

We 'settled down' when the oldest entered high school.
by ram
Wed Mar 06, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1346

Re: Anybody have a vehicle with ventilated driver's seat?

My Lexus LS 460 has it and it is useful. I live in the snowbelt and even in summers it is not very hot. I will use different settings when on a longer drive. I guess if I was in Texas in summer I would only use the highest setting.
by ram
Tue Mar 05, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 31121

Re: [2018 tax return - How does it compare to previous years?]

Every year till 2017 I made some cash charitable donations and additional $300 to 1000 worth donations of household goods to goodwill. In 2017 I set up a donor advised fund and all cash donations during 2018 have come out of that fund. I have donated about $400 worth household goods to Goodwill in 2...