Search found 831 matches

by jayk238
Sun Jul 11, 2021 6:52 pm
Forum: Personal Consumer Issues
Topic: Good (and affordable) Running Shoes for Concrete?
Replies: 38
Views: 3007

Re: Good (and affordable) Running Shoes for Concrete?

Hi all, I'm looking to get into a daily running routine. I live in a major downtown area and will therefore have to run on sidewalks (there are no parks/soft surfaces nearby unless I want to drive 20+min each way). I will only be doing short morning runs to ensure I'm staying active and healthy. Do...
by jayk238
Thu Jul 08, 2021 5:06 pm
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11241

Re: has dentistry changed, or is new dentist just a money grubber?

I think the hardest thing I learned in life was that teachers, police, doctors, dentists, firemen, etc... are all just people looking to make a buck. <<snipperroo>> Your comment is still nonsensical. "hasn't been solved" and "makes them the most money." Are still unfounded, just...
by jayk238
Thu Jul 08, 2021 12:21 pm
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11241

Re: has dentistry changed, or is new dentist just a money grubber?

I think the hardest thing I learned in life was that teachers, police, doctors, dentists, firemen, etc... are all just people looking to make a buck. If my kid went to school to be a dentist, I'd tell him to sell the crap out of Invis-line and White-Max and all that other crap too. Sounds like you ...
by jayk238
Thu Jul 08, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11241

Re: has dentistry changed, or is new dentist just a money grubber?

I think the hardest thing I learned in life was that teachers, police, doctors, dentists, firemen, etc... are all just people looking to make a buck. If my kid went to school to be a dentist, I'd tell him to sell the crap out of Invis-line and White-Max and all that other crap too. Sounds like you ...
by jayk238
Thu Jul 08, 2021 8:19 am
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11241

Re: has dentistry changed, or is new dentist just a money grubber?

I went to lousy dentists for years - with predictable results. Dentistry has moved along with medicine in general. One needs to weigh for oneself the value of procedures done for cosmetic reasons, but if one can keep a mouth of healthy teeth for a lifetime, well, given ongoing sustained maintenance...
by jayk238
Mon Jun 14, 2021 7:12 am
Forum: Personal Finance (Not Investing)
Topic: CSP new offer: 100,000 bonus points
Replies: 121
Views: 14032

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: 12439

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: 257
Views: 18462

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: 8724

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: 4276

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: 551
Views: 97853

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: 562

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: 562

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: 2558

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: 2558

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: 2210

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: 21362

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: 4164

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: 5564

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: 4164

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: 5564

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: 2130

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: 13951

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: 6589

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: 4244

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: 524

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: 1097

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: 60
Views: 5668

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: 60
Views: 5668

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: 60
Views: 5668

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: 60
Views: 5668

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: 4674

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: 53
Views: 4687

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: 53
Views: 4687

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: 3641

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: 3641

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: 3641

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: 3641

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: 1526

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: 3641

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: 3641

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: 3641

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: 5593

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: 53
Views: 4687

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: 257
Views: 18462

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: 3963

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: 966

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: 13468

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: 13468

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: 13468

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...