Search found 826 matches

by jayk238
Mon Jun 14, 2021 7:12 am
Forum: Personal Finance (Not Investing)
Topic: CSP new offer: 100,000 bonus points
Replies: 86
Views: 7460

Re: CSP new offer: 100,000 bonus points

This is an excellent offer. Most likely the best ever offered for Sapphire. A no brainer if you like travel rewards. I've always wondered how these actually work. Like, let's say I normally buy plane tickets through Orbitz or Travelocity, or direct from the airline if they are not on those sites. T...
by jayk238
Mon Jun 07, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: A few thoughts on inflation
Replies: 150
Views: 11771

Re: A few thoughts on inflation

What did you do to defend against inflation for the past ten years? Why should that change now?
by jayk238
Tue Jun 01, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 217
Views: 16627

Re: What are your travel plans in 2021 and beyond?

https://m.dw.com/en/coronavirus-digest-us-warns-against-travel-to-80-of-world/a-57258994 Hot off the presses. Just in-the recommendations are sensationalized but serious enough to give us pause. We were hoping for a travel corridor bw us and uk. Not sure if we can go even though not on the warn lis...
by jayk238
Mon May 24, 2021 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent Insurance for Doc Making 1.2 million/year
Replies: 94
Views: 8301

Re: Permanent Insurance for Doc Making 1.2 million/year

Hello, I'm younger physician, in my mid 30's. Recently started making about 1.1 to 1.2 million per year as a surgeon. Maxing out all retirement accounts, backdoor Roths, HSA, and saving in my taxable accounts. Paid off my mortgage. Contributing to 529 plan and will open another 529 for my second ch...
by jayk238
Sun May 23, 2021 7:12 pm
Forum: Personal Consumer Issues
Topic: Tucson versus Sedona
Replies: 33
Views: 4014

Re: Tucson versus Sedona

sycamore wrote: Sat May 22, 2021 8:01 pm I thought this thread was about Kia Sedona minivan versus the Hyundai Tucson SUV :)
Me too!! In fact i was about to say this

What about going to tucson in a sedona or sedona in a tucson? Mind blown!
by jayk238
Fri May 21, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 541
Views: 95063

Re: Good Modern Science Fiction

No body mentioned andy weir. He just came out with project hail mary and i love it so far. He did the martian book…

I also got into the bob series. Pretty out there. Check it out.
by jayk238
Tue May 18, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Air Pods Max
Replies: 6
Views: 534

Re: Air Pods Max

Anyone tried out the new Apple headphones? At $549 they look pretty pricey but most things Apple are worth it...any users? Theres no way they are better than established manufacturers selling their products at a fraction. Seeing as how apple has 50% margins i suspect you can get the same or better ...
by jayk238
Tue May 18, 2021 8:50 am
Forum: Personal Consumer Issues
Topic: Air Pods Max
Replies: 6
Views: 534

Re: Air Pods Max

Anyone tried out the new Apple headphones? At $549 they look pretty pricey but most things Apple are worth it...any users? Theres no way they are better than established manufacturers selling their products at a fraction. Seeing as how apple has 50% margins i suspect you can get the same or better ...
by jayk238
Sun May 16, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: Eyeglasses--Plastic Vs. Polycarbonate Lenses
Replies: 28
Views: 2430

Re: Eyeglasses--Plastic Vs. Polycarbonate Lenses

Specify your type of "plastic", almost all lenses are plastic when at eye doc the options 99.999999% of the time are 'plastic' or 'polycarbonate' (my experience). They don't give you a 316 page PDF with the chemical breakdown of either lens explaining which type of plastic it is. Maybe at...
by jayk238
Sun May 16, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Eyeglasses--Plastic Vs. Polycarbonate Lenses
Replies: 28
Views: 2430

Re: Eyeglasses--Plastic Vs. Polycarbonate Lenses

I’m a retired dispensing optician. I prefer CR-39 plastic over polycarbonate because of the superior optical quality and greater scratch resistance. Consider adding a high quality anti-reflection coating as well. This will allow you to avoid most of the annoying light reflections while driving at n...
by jayk238
Thu May 13, 2021 4:53 pm
Forum: Personal Consumer Issues
Topic: Summer Couples Vacation Spots
Replies: 24
Views: 2113

Re: Summer Couples Vacation Spots

How about portland maine?

We are planning to go to kennebunkport and portland this year.

Usually we go to europe twice a year but cant this time.

Our plan is to travel to maine sometime in august september. Cant go wrong there with the milder temps.
by jayk238
Thu May 06, 2021 11:46 am
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 247
Views: 20818

Re: So what kind of raise did you guys get for 2021?

Cpadave wrote: Wed Dec 30, 2020 9:39 am Was is better then expected? Did employers use the economy or lower general inflation as reason to lower the your expected raise?
14k raise
by jayk238
Tue May 04, 2021 4:09 pm
Forum: Personal Consumer Issues
Topic: Home Carbonation
Replies: 45
Views: 3979

Re: Home Carbonation

We use soda stream. We do like it. We bought one machine 2 years ago and it is going strong. You pay monthly for co2 cartridge. You need to do a cost analysis. For us we paid for perrier water which is very expensive prior to this. If you are fine w regular water then its not worth it. My generic s...
by jayk238
Tue May 04, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Questions for Wall Street Journal Subscribers
Replies: 69
Views: 5288

Re: Questions for Wall Street Journal Subscribers

I'm coming to the end of my spectacular "12 weeks for $12" promotion of the Wall Street Journal and am contemplating forking over the $45 a month to continue. For those of you who subscribe: why do you continue to subscribe? I'm curious to know some of the reasons you enjoy reading this i...
by jayk238
Tue May 04, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: Home Carbonation
Replies: 45
Views: 3979

Re: Home Carbonation

Do you enjoy your home carbonation machine? Soda Stream, Soda Sense or the like? Any tips for use? I love the mineral water Topo Chico because to me, it tastes much better than seltzer. Hard to explain and esoteric maybe, but the bubbles seem to have a softer, "smaller" flavor...smoother ...
by jayk238
Mon May 03, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: Questions for Wall Street Journal Subscribers
Replies: 69
Views: 5288

Re: Questions for Wall Street Journal Subscribers

I'm coming to the end of my spectacular "12 weeks for $12" promotion of the Wall Street Journal and am contemplating forking over the $45 a month to continue. For those of you who subscribe: why do you continue to subscribe? I'm curious to know some of the reasons you enjoy reading this i...
by jayk238
Fri Apr 30, 2021 8:27 pm
Forum: Personal Investments
Topic: Job offer with major increase in salary
Replies: 17
Views: 2065

Re: Job offer with major increase in salary

Hello Bogleheads. Looking for advice on what to do with a major increase in salary. I'm 32, and a software engineer and a few years ago I discovered the salary potential of working remotely for silicon valley in a low cost of living area. Last year, I took a jump to SV and got a 50% bump in pay. To...
by jayk238
Wed Apr 28, 2021 6:31 am
Forum: Personal Consumer Issues
Topic: Lexus or Tesla?
Replies: 193
Views: 13462

Re: Lexus or Tesla?

We are hoping to buy a new car soon which will be either an electric vehicle or a hybrid. I am quite keen on Teslas as I really like Elon Musk, DW is a bit more keen on Lexus. I've never given too much importance to cars and I don't know much about them, but it's very likely to be my last car consi...
by jayk238
Tue Apr 27, 2021 6:12 pm
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6199

Re: Apple watch for 10 year old?

Our kids are getting to the age where they are roaming the neighborhood more, need rides home, or just want to keep in touch. My oldest (12) has a cell phone, but that is even a challenge for him because he doesn't keep it on him all the time. We've done the Gizmo in the past and it's OK, but it's ...
by jayk238
Tue Apr 27, 2021 2:54 pm
Forum: Personal Consumer Issues
Topic: Cities/towns to live in with low cost of living and no car?
Replies: 39
Views: 4064

Re: Cities/towns to live in with low cost of living and no car?

Any recommendations? I can't drive due to medical issues (disabled) Looking to reduce my cost of living (currently in NYC) - would rent or maybe buy a small home under $300k ideally (just me living on my own) Some possibilities I came across are St. Louis, Tucson, New Orleans, Minneapolis, and Port...
by jayk238
Tue Apr 27, 2021 9:26 am
Forum: Non-US Investing
Topic: Belgium : 30% capital gains tax on synthetical bond ETF's?
Replies: 1
Views: 518

Re: Belgium : 30% capital gains tax on synthetical bond ETF's?

In america i was not aware a distinction was made. If bought and sold mark to market by year end it was treated as ordinary income and if held beyond that then capital gains. But i could be wrong.
by jayk238
Sun Apr 25, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: Where can US citizens travel to right now?
Replies: 8
Views: 1085

Re: Where can US citizens travel to right now?

So I'm a US citizen that is mainly abroad all year. I recently came back to the US like I do few times a year for a short while before going back. Where I go to, there are pretty much little restrictions to now... but I know certain parts of South America like say Costa Rica... i heard you can't go...
by jayk238
Sun Apr 25, 2021 5:02 pm
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 4061

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak...
by jayk238
Sun Apr 25, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 4061

Re: Room & Board for everything

Totally forgot about stainless steel option. Wow, those look nice. Some cost more than our living room furniture. Not ours. Our living room and dining room furniture is from Room & Board. Well, except for the original vintage Bertoia chair (https://www.knoll.com/shop/classics/harry-bertoia-coll...
by jayk238
Sun Apr 25, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 4061

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak...
by jayk238
Sun Apr 25, 2021 8:56 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 4061

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak...
by jayk238
Sat Apr 24, 2021 9:20 am
Forum: Personal Consumer Issues
Topic: Low sodium restaurant foods
Replies: 66
Views: 4443

Re: Low sodium restaurant foods

I'll be eating out less than I did before the pandemic, but I don't think I can avoid it completely. What am I supposed to eat when I travel? Dinner will be the biggest challenge. So others have given solutions on what to avoid. But of course its harder to implement such as with travel etc. The iss...
by jayk238
Sat Apr 24, 2021 12:37 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds/Headphones Recommendations?
Replies: 59
Views: 4385

Re: Wireless Earbuds/Headphones Recommendations?

So I been out of the loop... and had no idea there are cordless earphones and headphones the last few years. I only know about the airpods which i heard cost a lot and not much besides that. On amazon, i see a ton of cordless earphones and headphones that seem to be decently priced. If it matters, ...
by jayk238
Sat Apr 24, 2021 12:32 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds/Headphones Recommendations?
Replies: 59
Views: 4385

Re: Wireless Earbuds/Headphones Recommendations?

Lmao, this is the typical type of poster present on audio forums and why those places are so awful even for those who enjoy audio. Presents opinion as fact, then creates an ad hominem against those who do the same. Yes, the water is very clear. Would you say this something other than opinion presen...
by jayk238
Fri Apr 23, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

No i will never understand paying for exclusivity or snobbery. I certainly love high quality service. I pay what I want -upwards of $$$$ for expensive hotels and restaurants because of my appreciation for service! Good day. Bingo! You've nailed it (but sort of "for the other side"). You w...
by jayk238
Fri Apr 23, 2021 2:13 pm
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

No i will never understand paying for exclusivity or snobbery. I certainly love high quality service. I pay what I want -upwards of $$$$ for expensive hotels and restaurants because of my appreciation for service! Good day. Bingo! You've nailed it (but sort of "for the other side"). You w...
by jayk238
Fri Apr 23, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

We have been on Oceania, Carnival, American Cruise Lines in the US, Princess, Fathom, Holland and a couple others not memorable enough to mention. We have also been on Viking about ten times. I have a cruise reserved for this December, three for 2022 and one for 2023... they are all on Viking. We h...
by jayk238
Fri Apr 23, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

We went on the Norwegian for my wife and I and loved it. You should be aware that most of what you want to see is not at the ports (unlike a river cruise) as a result there is a huge gap in transportation time from cruise to location. For example in Italy they dont stop at rome. They stop at a smal...
by jayk238
Fri Apr 23, 2021 10:48 am
Forum: Personal Consumer Issues
Topic: Superautomatic Coffee Machine: Jura or other?
Replies: 10
Views: 1471

Re: Superautomatic Coffee Machine: Jura or other?

Thanks to this forum, I learned about super automatic coffee machines, and took the plunge a few years ago with a Phillips Saeco. The machine needs repair or replacement, so I'm interested in experience to guide me on which direction to take. Assumptions: a. Presume I will end up with a superautoma...
by jayk238
Fri Apr 23, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

We are looking at going on a Mediterranean Cruise with friends in September 2022. They have picked out a 12 night Viking Cruise on the Viking Sea in a Category DV4-Deluxe Veranda at a cost of $8600 per person including economy air fare from the Midwest U.S. This is double of what I have seen for si...
by jayk238
Fri Apr 23, 2021 8:30 am
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

We are looking at going on a Mediterranean Cruise with friends in September 2022. They have picked out a 12 night Viking Cruise on the Viking Sea in a Category DV4-Deluxe Veranda at a cost of $8600 per person including economy air fare from the Midwest U.S. This is double of what I have seen for si...
by jayk238
Fri Apr 23, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3498

Re: Mediterranean Cruise Opinions

We are looking at going on a Mediterranean Cruise with friends in September 2022. They have picked out a 12 night Viking Cruise on the Viking Sea in a Category DV4-Deluxe Veranda at a cost of $8600 per person including economy air fare from the Midwest U.S. This is double of what I have seen for si...
by jayk238
Thu Apr 22, 2021 2:33 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 82
Views: 5348

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

Excellent ideas, everyone...thanks! You didnt mention how long. For a 7-10 day vacation 10 is on the low end and 15 is probably closer to what u need to pay for the 3 of you if you go to the vail, breckenridge type places everyone here is suggesting. Park city can approach that too. Snowmass/alta a...
by jayk238
Wed Apr 21, 2021 6:33 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds/Headphones Recommendations?
Replies: 59
Views: 4385

Re: Wireless Earbuds/Headphones Recommendations?

Depends on so many things. Budget? Etc?

I mean it seems air pods are too much?

I use over the ear bose quiet comfort
And airpods pro 2
I love both which are great

Need to know what u use it for , how -over the ear, completely wireless etc?
by jayk238
Tue Apr 20, 2021 8:33 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 217
Views: 16627

Re: What are your travel plans in 2021 and beyond?

https://m.dw.com/en/coronavirus-digest-us-warns-against-travel-to-80-of-world/a-57258994 Hot off the presses. Just in-the recommendations are sensationalized but serious enough to give us pause. We were hoping for a travel corridor bw us and uk. Not sure if we can go even though not on the warn list.
by jayk238
Sun Apr 18, 2021 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: 150K income limit
Replies: 21
Views: 3903

Re: 150K income limit

It seems like there has been a $150K MFJ, limit on all of these stimulus plans, and at new job plus wife's job plus current rate of side hustle, we would make something like $180-190K, so I am putting 10,500 in Childcare FSA, 1,000 in FSA, 7.5% goes into my PERS, I am maxing out my DCP at $19,500, ...
by jayk238
Sun Apr 18, 2021 2:03 pm
Forum: Personal Consumer Issues
Topic: Cost of a 4 seasons room build in midwest?
Replies: 5
Views: 957

Cost of a 4 seasons room build in midwest?

What would the cost of a 12x12 4 seasons room on a existing asphalt patio cost? We want as many windows as possible. The siding is linoleum
by jayk238
Sun Apr 18, 2021 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 138
Views: 13165

Re: Any happy lawyers out there?

Hello, all. I have a first-world problem to share with the Bogleheads. I'm in my mid-late 20s with a couple years of high school teaching under my belt. I do not lack for money and (with any luck) likely never will. I live below my means, and I want for nothing material. I do not have a family of m...
by jayk238
Sun Apr 18, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 138
Views: 13165

Re: Any happy lawyers out there?

Hello, all. I have a first-world problem to share with the Bogleheads. I'm in my mid-late 20s with a couple years of high school teaching under my belt. I do not lack for money and (with any luck) likely never will. I live below my means, and I want for nothing material. I do not have a family of m...
by jayk238
Sat Apr 17, 2021 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 138
Views: 13165

Re: Any happy lawyers out there?

Hello, all. I have a first-world problem to share with the Bogleheads. I'm in my mid-late 20s with a couple years of high school teaching under my belt. I do not lack for money and (with any luck) likely never will. I live below my means, and I want for nothing material. I do not have a family of m...
by jayk238
Sat Apr 17, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver Replacement Head Replacements?
Replies: 16
Views: 1266

Re: Electric Shaver Replacement Head Replacements?

Not long ago I bought a new electric razor for shaving. Philips Norelco Shaver 3500 S3212/82 https://www.amazon.com/Philips-Norelco-Shaver-S3212-82/dp/B0842YHKL3/ref=sr_1_1?crid=33KVOV9QZEARQ&dchild=1&keywords=norelco+3500&qid=1615701148&sprefix=norelco+3%2Caps%2C398&sr=8-1 It w...
by jayk238
Fri Apr 16, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5681

Re: can I get boglehead approval for a 70K truck?

I would seriously not investing in a single stock, esp Tesla which is a car company. We are shifting to the age of bicycles and transit, look at Paris' transformation recently, it is an attractive model for livability. Discussions about federal highway/transit ratio going from 80:20 to 50:50. We ow...
by jayk238
Fri Apr 16, 2021 9:06 am
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5681

Re: can I get boglehead approval for a 70K truck?

OP, I note that you used the word "gamble" in describing your investments three times already in this thread. I guess that I'm fine with you buying a Toyota right now. But I'd wait on making a final commitment to the cyber truck until you can legitimately say that you've stopped "gam...
by jayk238
Mon Apr 12, 2021 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18886

Re: Any expats retired in europe? How much needed to retire?

This is a free seminar on IRA/Roth/Pension tax treatment for US Expats, just showed up in my mailbox today. https://www.eventbrite.com/e/iras-and-other-retirement-plans-for-american-expats-tickets-147792359927 And here is a list of all their upcoming seminars, with several for Expats in France http...
by jayk238
Sat Apr 10, 2021 11:22 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21959

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Good Morning, Everyone has their "thing" that they enjoy to spend money on so if cars are your "thing" then please don't be offended. I have no problem dropping $500 on a round of golf at Whistling Straits or spending $200 on a meal every now and then. With that being said I am ...