Search found 1867 matches

by ram
Wed Aug 04, 2021 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: “Welcome to Medicare” preventive visit?
Replies: 20
Views: 1391

Re: “Welcome to Medicare” preventive visit?

Why not turn it around and tell the doc's office specifically, 'that I only want an appt for Welcome to Medicare exam/visit' so it is covered 100%. The local clinic encourages patients to do exactly what you said. The visit is then scheduled with a RN and it is of course free. As another poster sai...
by ram
Wed Aug 04, 2021 12:24 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 591
Views: 34320

Re: VG Removing Message Center

Da5id wrote: Fri Jul 30, 2021 1:41 pm As another point, I have Flagship and didn't see such a message.
Looks like they are monitoring this forum and read the recent thread that Flagship status gives you nothing.

From now looks like Flagship status gives you ability to secure message. :happy
by ram
Tue Aug 03, 2021 7:08 pm
Forum: Personal Consumer Issues
Topic: What FootWear Has The Softest Souls In The Heel Area?
Replies: 50
Views: 3011

Re: What FootWear Has The Softest Souls In The Heel Area?

I would go to a place that makes "diabetic shoes" and have them make shoes the way you want them. Expect to pay $300+. ( And even at that price all you will get is soft "soles" :happy )
Your doctor may be able to direct you to such a place (cobbler) in your area.
by ram
Tue Aug 03, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 8892

Re: Which 7 seater SUV?

It seems silly to buy a massive 7-seater with towing capacity if in fact you don't need that now or normally. Wasteful for your wife to be porpoising around alone in a massive barge 90% of the time. Get a 4-5 seater. When you need 7 seats once in a blue moon, rent a Suburban for all 7 or a small se...
by ram
Tue Aug 03, 2021 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance coding/billing for annual preventive physical
Replies: 46
Views: 2015

Re: Insurance coding/billing for annual preventive physical

You were billed appropriately. Your former doctor may be leaving money on the table.
by ram
Sun Aug 01, 2021 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Calling all doctors, kid wants to be a doctor!?
Replies: 72
Views: 8343

Re: Calling all doctors, kid wants to be a doctor!?

however she is a rising senior in high school. Less than 5% of premed students end up as physicians. How much does medical school cost? 25 to 55 K /yr tuition x 4 yrs. Living expenses extra. How long will my child be in school to become a GI specialist? Minimum 10 years after college. Ram MD
by ram
Sun Aug 01, 2021 8:49 pm
Forum: Personal Investments
Topic: Taxable account for high-income earners
Replies: 18
Views: 3040

Re: Taxable account for high-income earners

I do not know if your 457 plans are governmental or non governmental (unsafe). If they are non governmental how confident are you about the financial stability of your employers 25 to 30 years from now when you will likely retire. This is more of an issue if you both work for the same (non governmen...
by ram
Sun Aug 01, 2021 8:13 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 8892

Re: Which 7 seater SUV?

Update: Plan to wait till shortage resolves. We looked at Mercedes GLS and BMW X7 : Not impressed for the price point. Kia Telluride was good but we liked Lexus better. Dealer wanted 5K over MSRP. Liked both Lexus RX L ( last 2 seats are really cramped, the worst of the lot) and GX 460 (despite it b...
by ram
Wed Jul 28, 2021 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative careers for physician? Tech?
Replies: 38
Views: 4273

Re: Alternative careers for physician? Tech?

I know a few people who were licensed physicians in their country of origin, apparently could not get in medical residency in US but: - did a MBA and worked as a medical administrator. -did software degree and worked in medical informatics - worked as professors in non clinical subjects such as anat...
by ram
Mon Jul 26, 2021 9:12 pm
Forum: Personal Consumer Issues
Topic: medical records
Replies: 20
Views: 1464

Re: medical records

Do you typically have to pay for anything (media, etc.)? Medical facilities are allowed to charge a "reasonable" fee for this. At my institution it is 25 cents/ page ( $50 for 200 pages) Also, I wonder if a doctor would even be willing to review records that were not accessible by them in...
by ram
Sun Jul 25, 2021 12:00 pm
Forum: Personal Consumer Issues
Topic: Boglehead Tips for Long Flights
Replies: 76
Views: 8601

Re: Boglehead Tips for Long Flights

Fish/seafood is the easiest food to spoil and I avoid it on flights.
by ram
Sat Jul 24, 2021 8:40 am
Forum: Investing - Theory, News & General
Topic: Factoring social security into withdrawal rate
Replies: 12
Views: 1539

Re: Factoring social security into withdrawal rate

If one is planning to retire at 50 and aims for a $4m nest egg. And assuming s/he expects $7k monthly between SS and pension starting at age 71.. Rather than a 3.5% withdrawal rate starting at age 50, why not start at say 5% and then plan to reduce it once SS and pension kick in.. to 3% for example...
by ram
Sat Jul 24, 2021 8:24 am
Forum: Personal Investments
Topic: Where to put bridge funds until SS at 70?
Replies: 22
Views: 2361

Re: Where to put bridge funds until SS at 70?

I’m trying to think through whether to stash money we expect to consume within the next 5 years in cash/CDs/mm funds, leave them invested per our AA, Cyclist These do not have to be exclusive options. You can keep whatever is your AA AND keep cash in taxable account which will be part of the bond/c...
by ram
Thu Jul 22, 2021 6:38 pm
Forum: Personal Consumer Issues
Topic: :::Kitchen Appliance Recommendations:::
Replies: 29
Views: 1631

Re: :::Kitchen Appliance Recommendations:::

We use consumer report recommendations. That means we have different appliances from different companies. They are all in stainless steel and look reasonably matched. That's good enough for my wife and I.
by ram
Thu Jul 22, 2021 6:31 pm
Forum: Investing - Theory, News & General
Topic: 60/40 is Done - Now It's 70/20/5
Replies: 41
Views: 8322

Re: 60/40 is Done - Now It's 70/20/5

The last 5% is reserved for the advisor. :happy
by ram
Thu Jul 22, 2021 6:14 pm
Forum: Personal Consumer Issues
Topic: Where to spend a day at the beach by Orlando?
Replies: 10
Views: 1010

Re: Where to spend a day at the beach by Orlando?

Thanks for the replies! It sounds like Cocoa Beach is a good choice; any idea what time we need to be there to get a spot? Sunscreen recommendation is duly noted!! I believe there is a Hilton that you can park at that has umbrellas and loungers on the beach in Cocoa. Keep in mind that Cocoa is a ni...
by ram
Sun Jul 11, 2021 12:34 pm
Forum: Investing - Theory, News & General
Topic: INCREASING stocks over time?
Replies: 36
Views: 4412

Re: INCREASING stocks over time?

Not retired yet.
But my plan is:
Bread and butter money in bonds.
Scotch money in stocks.
by ram
Sat Jul 10, 2021 12:16 pm
Forum: Personal Consumer Issues
Topic: Tactics to get questions answered in a surgeon/doctor's office consult?
Replies: 44
Views: 4681

Re: Tactics to get questions answered in a surgeon/doctor's office consult?

A few ideas: 1. Write down the questions and hand them to the doctor when they walk in. Don't keep the paper and say, "I've got a few questions" then read it to them like the doctor is a kindergartener listening to a story. People can read faster than you can talk. Give them the questions...
by ram
Wed Jul 07, 2021 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: How did you arrive at your probable age of death?
Replies: 220
Views: 14573

Re: How did you arrive at your probable age of death?

For planning purposes I assume that I will die on my 100th birthday.
by ram
Wed Jul 07, 2021 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: How did you arrive at your probable age of death?
Replies: 220
Views: 14573

Re: How did you arrive at your probable age of death?

We currently have an AA target of 60% equities which most would feel too high a target for a couple with a joint age of 73. - Ron Ron, I think 60% equities is conservative for a couple with a "joint" age of 73. Based on your prior posts I think perhaps you wanted to say an "average&q...
by ram
Wed Jul 07, 2021 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Simpler: Fidelity Credit Card vs 4 Store/Specific Cards
Replies: 33
Views: 2273

Re: What's Simpler: Fidelity Credit Card vs 4 Store/Specific Cards

What's Simpler: Fidelity Credit Card vs 4 Store/Specific Cards.

Answer: 1 card.

The answer to what's more lucrative may be different.
by ram
Mon Jul 05, 2021 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing "No Surprises Act" enacted Dec 2020, takes effect January 2022
Replies: 34
Views: 3659

Re: Medical Billing "No Suprises Act" enacted Dec 2020, takes effect January 2022

Anesthesiologists essentially can not practice their craft outside the hospital. No patient independently goes to them. Therefore hospitals/ insurers will tend to keep very low rates for them and increase the rates for things that are directly beneficial to the hospital (room rent/ insurer's profit...
by ram
Mon Jul 05, 2021 2:54 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 8892

Re: Which 7 seater SUV?

zrail wrote: Mon Jul 05, 2021 1:50 pm I know the criteria is no minivans but I just want to point out that the new Pacifica Pinnacle is an incredible machine that hits every one of your points and has an AWD option. We have the hybrid FWD option and love it.
No minivans. Wife's criteria. We have had one for 15 years.
by ram
Mon Jul 05, 2021 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How did you arrive at your probable age of death?
Replies: 220
Views: 14573

Re: How did you arrive at your probable age of death?

For planning purposes:
I and my wife, who is a few years younger will both die on my 100th birthday. We will leave $0 to the kids.

The most likely outcome will be that we will die earlier with some funds left for the kids.
by ram
Mon Jul 05, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing "No Surprises Act" enacted Dec 2020, takes effect January 2022
Replies: 34
Views: 3659

Re: Medical Billing "No Suprises Act" enacted Dec 2020, takes effect January 2022

I agree that surprise billing is a problem for patients and and "reasonable" remedies are required. However I do not agree with this statement made in one of the prior posts: If you don't like the "in network" rates, then find somewhere else to practice your craft. Anesthesiologi...
by ram
Mon Jul 05, 2021 10:29 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 289
Views: 53918

Re: Is there a such thing as a blue collar Boglehead?

I've been a toolmaker since 1968 when I got out of high school. The highest taxable income I ever had was in the early 2000s at around $52 - 53,000. Less in earlier years and after, sometimes quite a bit less. That probably puts me in the lower middle class. Even today $52000 income for a male is i...
by ram
Thu Jul 01, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 8892

Re: Which 7 seater SUV?

Thank you everybody. The case for Telluride just became stronger. Just to clarify the vehicle will mostly be used by my wife and I ( >90% of miles), sometimes with 4 people and gear and very rarely by 7 people without any gear. As such I do not need a SUV that can carry 7 adults comfortable with all...
by ram
Wed Jun 30, 2021 11:43 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 8892

Which 7 seater SUV?

My wife wants to discard her minivan and buy a "nice" SUV. We live in an area with 5 months of snow. The new SUV will have winter tires. Our other vehicles are Lexus LS 460, 2012 and Toyota Avalon, 2006. Budget : 100K (SUV = 92 K, tax & insurance = 8K) Necessary attributes: -At least 6...
by ram
Wed Jun 30, 2021 9:05 pm
Forum: Personal Consumer Issues
Topic: Planning trip to Yellowstone?
Replies: 36
Views: 3899

Re: Planning trip to Yellowstone?

September: The time for the newly wed and the nearly dead because school is in session. Snow is possible. The first time one goes to Yellowstone, I think one should consider using a car to see the sights since the park is huge. Sure, there are short trails of about 0.5 mile or less on little out-an...
by ram
Wed Jun 30, 2021 9:01 pm
Forum: Personal Consumer Issues
Topic: Planning trip to Yellowstone?
Replies: 36
Views: 3899

Re: Planning trip to Yellowstone?

They have trails, but people go there to watch gorgeous geysers; Old Faithful being the most famous geyser. Geyser watching doesn't require hard-core hiking. If you're thinking of mountain hiking, Yellowstone isn't the place. If you can stay inside the park that'd be best (though more expensive). W...
by ram
Tue Jun 29, 2021 7:01 pm
Forum: Investing - Theory, News & General
Topic: Aging population
Replies: 30
Views: 3746

Re: Aging population

Consider working in healthcare.

https://www.bls.gov/ooh/healthcare/nurs ... ioners.htm

Four of the top 8 fastest growing jobs are in healthcare.
https://www.bls.gov/ooh/fastest-growing.htm
by ram
Sun Jun 27, 2021 1:23 pm
Forum: Personal Consumer Issues
Topic: Road Trip / Driving App Recommendations
Replies: 33
Views: 2424

Re: Road Trip / Driving App Recommendations

On a recent 5000 mile round trip from Wisconsin to San Francisco we found a combination of cell tower ( google/ apple maps) and satellite (Garmin) useful. An old paper map book was a backup but was never used.
by ram
Thu Jun 24, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment upsell
Replies: 39
Views: 3094

Re: Wheel alignment upsell

If somebody does not want to bother watching treadwear and does not want to save every cent is it reasonable to do an alignment every 40,000 to 50,000 miles (along with tire change)
by ram
Tue Jun 22, 2021 6:08 pm
Forum: Investing - Theory, News & General
Topic: Why do stocks always fall faster than they rise ?
Replies: 54
Views: 5138

Re: Why do stocks always fall faster than they rise ?

Fear spreads faster than optimism.
by ram
Mon Jun 21, 2021 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much property tax is too much?
Replies: 22
Views: 1756

Re: How much property tax is too much?

>= 3% of market value of property.

In my locality assessed value is about 90% of market value. So >=3.33% of assessed value for my area. Ours is about 2.3% of assessed value.
by ram
Sun Jun 20, 2021 3:10 pm
Forum: Personal Consumer Issues
Topic: Quick road trip salt lake to vegas early October
Replies: 21
Views: 1729

Re: Quick road trip salt lake to vegas early October

DoubleComma wrote: Sat Jun 19, 2021 7:18 pm Not a National Park, but Valley of Fire state park between Zion and Vegas is visually stunning. A fair amount to be seen from the road and trail head parking lots, of course a lot more can be seen from the trails but understand your limitation.
Agree.
by ram
Sat Jun 19, 2021 1:44 pm
Forum: Personal Consumer Issues
Topic: New gas stove - minimum requirements?
Replies: 18
Views: 1176

Re: New gas stove - minimum requirements?

We have a mismatch of kitchen appliances in terms of brands. But they are all stainless steel and to my eye they all seem to match. My wife has not complained either.
All appliance companies have had a stainless steel model whenever I looked. I am not sure about the other colors.
by ram
Sat Jun 19, 2021 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $650k house?
Replies: 28
Views: 3420

Re: Can we afford a $650k house?

TropikThunder wrote: Fri Jun 18, 2021 9:48 pm
ram wrote: Fri Jun 18, 2021 7:15 pm Yes.
If you are still anxious buy with cash after 10 months.

350 K ( from liquid investment)
300 K ( from 10 months of saving.)
And that $650k house will now cost $800k. :P
So what?
The stock market returns of the next 10 months are going to be the same as the last 10 months. :)
by ram
Fri Jun 18, 2021 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $650k house?
Replies: 28
Views: 3420

Re: Can we afford a $650k house?

Yes.
If you are still anxious buy with cash after 10 months.

350 K ( from liquid investment)
300 K ( from 10 months of saving.)
by ram
Fri Jun 18, 2021 6:25 pm
Forum: Personal Consumer Issues
Topic: Roofing: Liability insurance and Workers Comp insurance.
Replies: 7
Views: 758

Re: Roofing: Liability insurance and Workers Comp insurance.

After the roof is completed is a great time for new gutters. I have always gotten the best price from small independent gutter guys with their own gutter fabricating rig/truck. It is also a good time to think about moving or adding downspouts if needed. So it seems that there is nothing advantageou...
by ram
Fri Jun 18, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: Roofing: Liability insurance and Workers Comp insurance.
Replies: 7
Views: 758

Re: Roofing: Liability insurance and Workers Comp insurance.

Thanks everybody. Will check on the type of gutters
by ram
Thu Jun 17, 2021 11:33 pm
Forum: Personal Consumer Issues
Topic: Roofing: Liability insurance and Workers Comp insurance.
Replies: 7
Views: 758

Roofing: Liability insurance and Workers Comp insurance.

At my request the roofer has sent me two documents through his insurance agent. I am listed as the certificate holder and the roofer as the Insured. 1. Commercial general Insurance: Each occurrence; 1 million. Med Expenses : 5000 each person Damage to rented : 50K General aggregate : 2 Million Auto ...
by ram
Thu Jun 17, 2021 10:11 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 257
Views: 18558

Re: Vacations Plans?

Just returned from a 5000 mile round trip by road. Hotel prices $300 to 500 in California. $90 in Chamberlain, South Dakota.
Guaranteed rental car not available in San Francisco at any price. Hence the road trip.

viewtopic.php?t=349447
by ram
Thu Jun 17, 2021 9:49 pm
Forum: Personal Consumer Issues
Topic: Roadtrip: Wisconsin to San Francisco/Yosemite
Replies: 56
Views: 6005

Re: Roadtrip: Wisconsin to San Francisco/Yosemite

I recently returned from the approx 5000 mile round trip. It all went very well. No car trouble other than the car computer telling me that I needed an oil change. We had done an oil change with synthetic oil right before the trip but I suspect that due to the mountain driving the oil life was short...
by ram
Wed Jun 16, 2021 11:42 pm
Forum: Personal Investments
Topic: I'm being "invited" to "pre-register" for an IPO (Doximity)
Replies: 98
Views: 11401

Re: I'm being "invited" to "pre-register" for an IPO (Doximity)

I have participated in multiple IPOs and overall have made money. But certainly some investments resulted in major losses. One was a 100% loss. But different circumstances, different country and this was in the 1990's. I have not invested in any IPO since at least 2000. At that time in many cases th...
by ram
Thu May 27, 2021 8:29 pm
Forum: Personal Consumer Issues
Topic: Evaluating (comparing/choosing) hospitals
Replies: 35
Views: 3773

Re: Evaluating (comparing/choosing) hospitals

In the absence of any additional data I would pick a teaching hospital over a non teaching one. Also note that when you go to a hospital for an emergency you get to see the "doctor on call" for that specialty on that day, not necessarily the best doctor that they have on staff for that spe...
by ram
Wed May 26, 2021 11:36 pm
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 90
Views: 9276

Re: Hospital bill - worth haggling?

Somebody upstream claimed that health insurance companies hardly pay anything. From Healthcare.gov Insurance companies selling to large groups (usually more than 50 employees) must spend at least 85% of premiums on care and quality improvement. If your insurance company doesn’t meet these requiremen...
by ram
Wed May 26, 2021 11:09 pm
Forum: Personal Consumer Issues
Topic: Roadtrip: Wisconsin to San Francisco/Yosemite
Replies: 56
Views: 6005

Re: Roadtrip: Wisconsin to San Francisco/Yosemite

Tribonian wrote: Sat May 22, 2021 11:25 am Lake Tahoe is a very slight detour off I-80 from the Reno - SF leg and very beautiful though I am partial to the West and South Shore areas.
Reno cancelled. Lake Tahoe added for 4 th night stay.
by ram
Mon May 24, 2021 11:33 pm
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 90
Views: 9276

Re: Hospital bill - worth haggling?

Physician here. The bulk of the negotiation has been done on your behalf by your insurance company. If I say "dont bother to negotiate " at least some on this board will cry foul. So I will say that if you negotiate the chances of success with any significant amount is low. Think that you ...