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Healthcare in Russia was fairly good in the Soviet-era as Russa has the 2nd-highest per-capita ratio of physicians to citizens in the world. As blackacre describes, healthcare is socialized and (technically) free to all citizens. However, it is also widely recognized that since the collapse of...

Emergency care is indeed extremely expensive and even though you felt that you were just waiting there for no apparent reason, the bills probably reflect an "observation stay" during which time your wife was probably on a cardiac monitor. ED physicians also tend to "shotgun" problems meaning...

Your question is difficult to answer because it is not specific. How do you judge school district quality? Top scores on standardized tests? Parental involvement? Most student satisfaction? Best placement of students into top tier colleges? Also, do you mean public schools, private, religious...

stng: Aperion is a well-respected brand; IMO, ceiling or in-wall speakers almost always involve compromises, but if you must for aesthetic reasons, I don't think you could go wrong with that company. ice weasel: While what you say is true to some degree, amplification and processing has...

"any suggestions on five in ceiling speakers?" Don't do it?

Adcom is soild stuff and shows you have good taste in audio gear eff. bitserv's point is exactly the same as mine. In terms of trying to maximize audio quality, it pays to invest a disproportionate amount into speakers (and sub if you're not buying full-range speakers). not only are...

rickhunter: There is no absolute reason you can't get by on a $200 receiver, it just depends on your needs. In terms of bang for the buck, in my opinion the most $$ should be put into speakers. Your source (DVD/HD-DVD/Blue-Ray/CD) should be second, receiver/amplifiers third, and...

There are some caveats with the HK AVR146 you should know about before you buy it. First, the HDMI connection doesn't process audio, it only passes it through. In other words, you will need to connect another digital cable from your source to the receiver. If you don't mind doing that, the HK...

Yeah, HK is honest about their power ratings, as is Denon (mostly). Onkyo, not as much, and needless to say, poo-poo on Sony.

If $200 is your budget limit, there isn't much choice if you must have HDMI switching. Sony is the lowest priced option, although refurbed Harmon Kardons (see HK 146 at HK's website <a href="http://www.harmanaudio.com/search_browse/product_detail.asp?urlMaterialNumber=AVR%20146">here</a>) are...

26 hours a week. I don't see many "emergency" patients.

I'm giving another vote of confidence to Wawanesa... prices lower than anyone out there except maybe Mercury (and only by a little), great customer service by web reputation and by personal experience, and easy online payments. Have used them for my four cars for about 10 years and they didn't...

I think those numbers are reasonable and I do agree that condo asking prices are still 15-25% too high. Pricing on SFR are even more out-of-whack, maybe 20-35% too high. Course, no one can predict with certainty how low prices will drop in the next couple of years.

Um, guessing my occupation would be too easy. And, as to (one of) the cars I drive, someone here already did so correctly, with only a few clues.

"I too had the assumption that the majority of the readers on this forum were older, but perhaps I'm wrong. Either way, I think everyone who contributes to this community (bearish or not) should deserve props." Strange, I assumed the opposite, that since the majority of readers on the...

"When I think of the breakeven price, I like to think of it in terms of how much is coming out of a paycheck and going toward housing. The principal you are paying down on a 30 year note is a forced savings account as you have noted, but it is part of your monthly payment coming out of your...

Well, they are *assumptions*. HOA is kinda variable. I pay only $70/mo on my 5-yr-old SFR, but our community doesn't have all of the amenities of most Irvine Ranch communities (i.e. we have parks and outdoor BBQs but no community pool, gym, or tennis courts). Northpark homes have HOA of around...

Yes, and how much do think that condo is selling for now? More than $160k I'd venture to guess.

I know IR has cited 160x rent as a "reasonable" multiplier to figure out the value of a property but am unclear on how he got to that number. I was curious as to what I would find reasonable so I'm going to go over a hypothetical scenario. What is the "breakeven" point between renting and...

It is not difficult even to buy an exotic car for $1600/month if you're willing to get one with a few thousand miles on it and is a couple years old. It is with the automobile equivalent of an exotic loan... 120 month term.