Search found 780 matches

by jayk238
Fri Apr 16, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 96
Views: 4928

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: 96
Views: 4928

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: 18401

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: 281
Views: 20525

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 ...
by jayk238
Tue Mar 30, 2021 8:19 am
Forum: Investing - Theory, News & General
Topic: Nate Silver sums up trying to beat the market very well
Replies: 105
Views: 14309

Re: Nate Silver sums up trying to beat the market very well

the reality is if he doesnt 'know the margin' then he does not know the data either. You cant have one or the other. you need both. That is a fair criticism. It could be applied to all political pollsters and poll analysts (he is not a pollster, rather an analyst) that I have read....maybe there ar...
by jayk238
Sun Mar 28, 2021 10:46 pm
Forum: Investing - Theory, News & General
Topic: Nate Silver sums up trying to beat the market very well
Replies: 105
Views: 14309

Re: Nate Silver sums up trying to beat the market very well

"It is hard to tell how many investors beat the stock market in the long run, because the data is very noisy, but we know that most cannot relative to their level of risk, since trading produces no net excess return but entails transaction costs, so unless you have inside information, you are ...
by jayk238
Sun Mar 21, 2021 9:21 pm
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4332

Re: Dog DNA Test

I'm a skeptic, but change my mind. What test is best? We just adopted a 3 month old Heinz 57. Reports say the mom looked like a Shepherd of sorts, but the dad went out for cigarettes and never came back. If i had that kind of money laying around i would Give the money instead to a shelter. More inf...
by jayk238
Sun Mar 21, 2021 9:00 pm
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4332

Re: Dog DNA Test

I'm a skeptic, but change my mind. What test is best? We just adopted a 3 month old Heinz 57. Reports say the mom looked like a Shepherd of sorts, but the dad went out for cigarettes and never came back. If i had that kind of money laying around i would Give the money instead to a shelter. More inf...
by jayk238
Sat Mar 20, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: Mercedes GLE vs Volvo XC90
Replies: 13
Views: 1504

Re: Mercedes GLE vs Volvo XC90

Volvo XC90 cars and engines for US export are built in Sweden and the cars are designed in Sweden with many Swedish parts. My sense is the Geely ownership has actually strengthened Volvo’s independence and uniqueness vs when they were owned by Ford previously and were forced to build on Ford platfo...
by jayk238
Sat Mar 20, 2021 4:45 pm
Forum: Investing - Theory, News & General
Topic: Long-term risks for VT? [Vanguard Total World Stock]
Replies: 24
Views: 2469

Re: Long-term risks for VT? [Vanguard Total World Stock]

Could you imagine a time when hundreds of millions die from a virus, millions more soldiers die fighting a war from brutal dictator and then many more are unconscionably massacred? And then to cap it off millions are shucked into poverty and then a few nukes are dropped on a country? Imagine what th...
by jayk238
Sat Mar 20, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Mercedes GLE vs Volvo XC90
Replies: 13
Views: 1504

Re: Mercedes GLE vs Volvo XC90

Volvo XC90 cars and engines for US export are built in Sweden and the cars are designed in Sweden with many Swedish parts. My sense is the Geely ownership has actually strengthened Volvo’s independence and uniqueness vs when they were owned by Ford previously and were forced to build on Ford platfo...
by jayk238
Sat Mar 20, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: Mercedes GLE vs Volvo XC90
Replies: 13
Views: 1504

Re: Mercedes GLE vs Volvo XC90

Mercedes is building junk these days while it focuses on its cash cow commercial truck division. Volvo isn't Volvo, it's Geely... a Chinese vehicle filled with low-quality Chinese parts. Given the options, you will lose less money and have less headaches with the Volvo. But, in either case, have an...
by jayk238
Tue Mar 16, 2021 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best loans for Med School
Replies: 8
Views: 1035

Re: Best loans for Med School

Hi Bogleheads, I have searched on the forum but most search returns are for refinancing vs. initial loans... My oldest will be starting Med School in the fall and will need to take out loans for most of it (we are unfortunately not in the position to help too much, but maybe at some point along the...
by jayk238
Tue Mar 16, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: High earners, about how much tax do you pay?
Replies: 79
Views: 9370

Re: High earners, about how much tax do you pay?

255. Single income 60k taxes. We find that when two of us work its better in terms of taxes than one. Even better is if one of us would work for the state-more tax advantaged accounts, cheaper health plans etc. so that is what spouse is trying to do. If she can contribute to a 401k get a pension etc...
by jayk238
Sat Mar 13, 2021 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wife just crashed her car into mine. Tips on handling insurance?
Replies: 55
Views: 6816

Re: Wife just crashed her car into mine. Tips on handling insurance?

Call the police and get an accident report.

You never know if the other party will refuse to pay or act like its not their fault 😆
by jayk238
Sat Mar 13, 2021 11:31 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36941

Re: Are we in a housing bubble?

Oh, we're in a bubble. We need more space, so instead of buying a new home, we're building..even with expensive lumber etc, it's going to be much cheaper... where is this? because we were thinking of building and everywhere we went they told us it was at least double the price of an existing home a...
by jayk238
Fri Mar 12, 2021 12:54 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36941

Re: Are we in a housing bubble?

Oh, we're in a bubble. We need more space, so instead of buying a new home, we're building..even with expensive lumber etc, it's going to be much cheaper... where is this? because we were thinking of building and everywhere we went they told us it was at least double the price of an existing home a...
by jayk238
Wed Mar 10, 2021 11:36 pm
Forum: Investing - Theory, News & General
Topic: How has U.S outperformed International?
Replies: 133
Views: 10423

Re: How has U.S outperformed International?

At the detriment of its poorer citizen. US is a business-friendlier country. I keep reading about the costs for Americans to file taxes, their high property owning costs etc so I don’t think it’s more business-friendly. For me it comes down to oodles of venture capital, allowing companies to remain...
by jayk238
Sun Mar 07, 2021 5:29 pm
Forum: Personal Consumer Issues
Topic: Let's play chess
Replies: 151
Views: 11999

Re: Let's play chess

Anyone hear of the chess-steps method?


I ordered my copy and plan to learn with it. Surprised more people havent mentioned it. I saw serawins mentioned but steps method is the go to in european learning.
by jayk238
Tue Mar 02, 2021 1:30 pm
Forum: Investing - Theory, News & General
Topic: Thanks to the Bogleheads, I am now (barely) FI
Replies: 26
Views: 4930

Re: Thanks to the Bogleheads, I am now (barely) FI

This February was the first month where my expenses were below 1/3% of my portfolio. Extrapolated to a year, that's the famous 4% rule. I'm 37 years old. Swedish. Seven years ago, at age 30, I started my investing journey. I read about investing for the first time. Before this, I didn't really know...
by jayk238
Mon Mar 01, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $2.5M first home?
Replies: 185
Views: 14700

Re: Can we afford a $2.5M first home?

OP, What might be missing are any contributions to your taxable account. How much do you add to taxable annually? Bear Since Aug 2019, we have saved $340k in addition to maxing out our tax-advantaged accounts. $110k of that we put in our taxable “retirement” account because we didn’t think we would...
by jayk238
Sun Feb 28, 2021 2:20 pm
Forum: Non-US Investing
Topic: Mid-30s Male India -- Seeking FIRE life in about 10 years
Replies: 9
Views: 1809

Re: Mid-30s Male India -- Seeking FIRE life in about 10 years

...70% FAANG... This is the biggest risk to your financial future. I would dial it way back, hopefully down to 10% - 15%, but I know zealots and "true believers" would have a hard time with less than 25%, until it knocks them for a loop like the dot-com bust in around 2000. We told you so...
by jayk238
Sun Feb 28, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: Airport lounges
Replies: 24
Views: 3160

Re: Airport lounges

we have priority pass which we find redundant because we only fly business international now. The times we have used priority pass we have been underwhelmed as the food options outside of the lounge we got anyway were mediocre. The one time we found it useful was when we traveled economy internation...
by jayk238
Sat Feb 27, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Soon to be attending physician
Replies: 28
Views: 3693

Re: Soon to be attending physician

I am old, not sure I can adequately relate to the financial problems of young physicians, but here goes. The trend of the past 15 years has been to entice or force more and more doctors into employed positions in integrated groups. More and more formerly independent groups large and small have been...
by jayk238
Sat Feb 27, 2021 9:14 pm
Forum: Investing - Theory, News & General
Topic: Nate Silver sums up trying to beat the market very well
Replies: 105
Views: 14309

Re: Nate Silver sums up trying to beat the market very well

"It is hard to tell how many investors beat the stock market in the long run, because the data is very noisy, but we know that most cannot relative to their level of risk, since trading produces no net excess return but entails transaction costs, so unless you have inside information, you are ...
by jayk238
Sat Feb 27, 2021 8:19 pm
Forum: Personal Consumer Issues
Topic: Stressless brand office chair - discounts
Replies: 3
Views: 490

Re: Stressless brand office chair - discounts

I heard the stressless office chairs are the very best for sitting 8-10 hrs a day for office work. But the price seems to be very steep at $2700 per chair, but it looks like they last 20-25 years. Also did you find any alternatives to this chair at $1000+ price range? Any suggestions on when is the...
by jayk238
Sat Feb 27, 2021 8:05 pm
Forum: Investing - Theory, News & General
Topic: Nate Silver sums up trying to beat the market very well
Replies: 105
Views: 14309

Re: Nate Silver sums up trying to beat the market very well

"It is hard to tell how many investors beat the stock market in the long run, because the data is very noisy, but we know that most cannot relative to their level of risk, since trading produces no net excess return but entails transaction costs, so unless you have inside information, you are ...
by jayk238
Sat Feb 27, 2021 8:03 pm
Forum: Personal Consumer Issues
Topic: Choosing Healthcare/Telehealth platforms
Replies: 1
Views: 277

Re: Choosing Healthcare/Telehealth platforms

I am curious how others choose their healthcare providers. I am seeking to become a better informed consumer of healthcare services, after a few negative experiences. I am familiar with going with recommendations from friends/family and current providers and I suppose there are even rating services...
by jayk238
Sat Feb 27, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Early Mortgage Payoff
Replies: 22
Views: 1855

Re: Early Mortgage Payoff

I don’t have enough to pay it off in one lump sum. I’m just trying to pay it off in maybe 4 years instead of 6. I would just use the income from work and put in extra money towards the principal each month to pay down the mortgage. I maximize all my retirement accounts and anything extra I put into...
by jayk238
Sat Feb 27, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3436

Re: Mark’s Financial Computer Security Methods

- i guess antivirus/malware software is a given? - i use a vpn when out of our house to prevent man in the middle attacks I dont use any software. I have a mac which has its own. I know I know theres an argument to use it -but I cant see why malwarebytes or other software would make a difference. t...
by jayk238
Sat Feb 27, 2021 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

I'm not retired yet, but have already bought in France, researched the issues and know a lot of people already there. All bets are off after 15 years, so take this with a grain of salt. Many countries like France, Italy, Portugal and Spain have programs or policies that do encourage retirees. To re...
by jayk238
Sat Feb 27, 2021 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

Obviously the answer is "it depends." It's like asking, "How much needed to retire in the USA?" Alabama? San Francisco? Obviously very different cost structures. In general, however, it's cheap in Europe if you are smart about location. People complain about EU taxes, but from m...
by jayk238
Sat Feb 27, 2021 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

I do not need the Visa program. I hold both EU and US passport. I was referring to OP Me2.. If you have money, I don't see why residence in europe would be a problem Today, yes....in 15-20 years maybe not. I have been living abroad in various countries for the past 20 years. And 20 years ago I coul...
by jayk238
Sat Feb 27, 2021 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

Have you considered immigration process? Obtaining residency (or eventually citizenship) is not an easy task. Even if one of you is an EU citizen, bringing the spouse can be next to impossible in some countries. I think this is the first hurdle you need to clear. (I am a dual citizen, having lived ...
by jayk238
Sat Feb 27, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

What is your plan for getting permanent residency or citizenship, that will allow you to stay year round in any of the countries you mention? Is one of you an EU citizen? Will you obtain citizenship by ancestry? Will you get a job there first, and obtain residency that way? Will you qualify for a d...
by jayk238
Sat Feb 27, 2021 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

Comparative medical costs: https://data.oecd.org/healthres/health-spending.htm Interesting that if you look at out of pocket costs (costs to the consumer) the costs are actually not exorbitanty high in the USA compared to others. I havent actually looked at what this means and am unsure of its sign...
by jayk238
Sat Feb 27, 2021 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

Of course, this VAT pays for part of the European cradle-to-grave welfare state. If you become a resident, you will probably qualify for universal health care, so you probably won't have to declare personal bankruptcy if you have an unexpected medical procedure. It's interesting to review the actua...
by jayk238
Sat Feb 27, 2021 11:44 am
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3436

Re: Mark’s Financial Computer Security Methods

gips wrote: Sat Feb 27, 2021 5:04 am - i guess antivirus/malware software is a given?
- i use a vpn when out of our house to prevent man in the middle attacks
I dont use any software. I have a mac which has its own. I know I know theres an argument to use it -but I cant see why malwarebytes or other software would make a difference.
by jayk238
Sat Feb 27, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3436

Re: Mark’s Financial Computer Security Methods

I'm not a tech guy by any means but there are a few major flaws here that to me are not resolved and render most of this meaningless. I mean no offense! I've spent some time thinking about my response to your comments. Everything else you stated has some important validity, but 'render most of this...
by jayk238
Wed Feb 24, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3436

Re: Mark’s Financial Computer Security Methods

This is a list of the security measures I take regarding my computer financial records. My purpose for the list is: • Educating others regarding good security techniques • Educating myself regarding improvements I should make • Create an easy list for regular auditing my security situation This is ...
by jayk238
Tue Feb 23, 2021 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

lthenderson wrote: Tue Feb 23, 2021 10:06 am No idea on any of your questions but if you are looking to retire in France, I would read "A Year In Provence" by Peter Mayle if you already haven't. He also wrote "My 25 Years in Provence".
We did read it! Few years back when we went to visit. Thank you!
by jayk238
Tue Feb 23, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18401

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

Just curious how much needed to retire in europe. We are relativey young. Wish to retire 15-20 years from now. Hope to retire for 40 years or so. Our countries of desire are france germany italy maybe northern europe. We speak only english but am confident i can learn multiple. If i were to work it ...
by jayk238
Sat Feb 20, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7104

Re: Retiring to Vermont/New Hampshire area

I'd look around Portland Maine area. Portland has turned into a really cool, small city. Lots of nice restaurants and pubs. Youthful energy and universities. Good hospitals and medical facilities. Excellent access to all kinds of transportation. Mountains, ocean, lakes and forest all nearby. Its pr...
by jayk238
Thu Feb 18, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: Headset upgrade to avoid breath/wind sound
Replies: 12
Views: 951

Re: Headset upgrade to avoid breath/wind sound

You need to lower expectations. At your price point you will struggle to have everything you ask for. The bose quiet comfort bluetooth will provide everything you ask. However as a noise cancelling i dont recommend for meetings. You cant hear others and have noise cancelling on. Most good noise can...
by jayk238
Thu Feb 18, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Headset upgrade to avoid breath/wind sound
Replies: 12
Views: 951

Re: Headset upgrade to avoid breath/wind sound

I'm struggling to find a headset that works for me. I record a lot of video tutorials on my computer (and have a lot of zoom meetings). I've used wired earbuds for a long time, but the microphone will move too close to my mouth when recording, and I get a "wind" sound (like blowing into a...
by jayk238
Thu Feb 18, 2021 9:03 am
Forum: Personal Investments
Topic: Nvidia and AMD: Regret and Luck vs. Skill
Replies: 43
Views: 3247

Re: Nvidia and AMD: Regret and Luck vs. Skill

Hey guys. Back in around March 2019 I was building my first PC and looking for parts. After researching, I realized that Nvidia and AMD had superior products in terms of GPU and CPU technology. I was about to invest in them at that time, but decided to stick to index funds. Since then, these stocks...
by jayk238
Wed Feb 17, 2021 5:55 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

Buy a uniform (shirt, jeans, etc) and wear the same clothes everyday. No stress, no energy wasted on another decision. I like to dress nice for me. Just don’t know how. So this is actually energy saver. 😀Otherwise I have to go to a mall and browse all kinds of stuff and pick things that would be mo...
by jayk238
Wed Feb 17, 2021 10:47 am
Forum: Personal Consumer Issues
Topic: Ski Socks
Replies: 23
Views: 1123

Re: Ski Socks

BogleFed wrote: Wed Feb 17, 2021 10:29 am Taking the family on our first ski trip next week. What are the best socks to wear under ski boots? I initially thought wool for warmth and wicking, but I read elsewhere thin socks made of synthetic material. Suggestions?
For skiing we use wool. The best is icebreaker. I would go w those.
by jayk238
Tue Feb 16, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 23031

Re: Vitamix Worth It?

On the Worth Every Penny thread https://www.bogleheads.org/forum/viewtopic.php?f=11&t=199812 it seems that a number of people swear by their Vitamix. OK I'll bite. What's so great about it. I have a much cheaper Ninja and use it only a couple of times a month. Why is the Vitamix such a daily ne...
by jayk238
Tue Feb 16, 2021 3:04 pm
Forum: Investing - Theory, News & General
Topic: The premise of the "emergency fund" is flawed
Replies: 559
Views: 33080

Re: The premise of the "emergency fund" is flawed

This post applies to investors who are not 100% equities, although I think even 100% equity investors don't necessarily need an emergency fund once their portfolio is large enough. The entire premise of the "emergency fund" is greatly flawed. A separate emergency fund that one will deplet...