Search found 367 matches

by jayk238
Sun Jul 15, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

Re: How much furniture spending is ok?

Too much is when: you need to stop making reasonable contributions to your retirement plan; when you can't pay down existing (presumably student?) debt at a reasonable rate; or worst- if you start carrying a balance on credit cards. Other than that- make whatever tradeoffs you want between the new ...
by jayk238
Sun Jul 15, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

Re: How much furniture spending is ok?

Whatever will make your wife happy, within reason. I agree. I tried to push back earlier and she gave me fits so I felt that this was a reasonable compromise- she wanted 1k in overstuffed chaise and chairs and I said, instead, we should buy outdoor furniture (since I would enjoy it as well) and she...
by jayk238
Sun Jul 15, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

Re: How much furniture spending is ok?

For a rental? I'd spend a lot less than if I owned a home and had expectation to stay there for 10 or more years. A few furniture pieces like a favorite chair or a bed frame are easily movable but when you start getting into dressers, sofas, and dining tables it's easy to find that you want a parti...
by jayk238
Sun Jul 15, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

Re: How much furniture spending is ok?

Nate79 wrote:
Sun Jul 15, 2018 6:15 pm
Depends on what that debt is.
you mean where its allocated? 300k is entirely student debt.

If its amount, its listed in the OP
by jayk238
Sun Jul 15, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

Re: How much furniture spending is ok?

Kitchen table Kitchen chairs Bed Furniture that accompanies bed Sofa Sitting chairs Maybe a desk if required, work from home, etc. Then stop spending money on furniture. And stop comparing the Joneses with yourself. Do you know what their personal finance situation is? No. Sorry, wasn't trying to c...
by jayk238
Sun Jul 15, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 35
Views: 1974

How much furniture spending is ok?

Income 255k Stable Debt 300k Rent is 1550 One car 39k 2800 sqft home. How much is too much for furniture? Our old place was only 890 sqft so we had very litte furniture Since moving here we have spent 3k Anticipate further 1k spending Beyond this 4k dont plan to buy more rest of the year or even nex...
by jayk238
Tue Jul 10, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: water quality issues at rental?
Replies: 2
Views: 295

water quality issues at rental?

We moved into a rental home recently . Home likely built after 1990s. The last time someone rented this place was in 2017 January. I was wondering if I need to worry about water quality due to pipes and other issues related to the home- foundation etc. We are aware that the water from the source may...
by jayk238
Sun Jul 01, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 342
Views: 30548

Re: What is/ was your career and would you recommend it now?

Doctor. I hate it. Not medicine itself but how we are judged and treated in society. If i could get guaranteed job security as a librarian for the rest of my life w enough income to be around 5060 k in lcol area that would be my preference. That said im stuck w this job and am actively seeking to ad...
by jayk238
Thu Jun 28, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: movers damaged furniture- what happens usually?
Replies: 3
Views: 642

movers damaged furniture- what happens usually?

We had a move done by my employer and the contract said they are insured to cover the value of the items damaged. From what I understand they will reimburse the current value of what is damaged not what we originally paid. Some of the furniture is antique and not readily valued- I mean we bought the...
by jayk238
Thu Jun 28, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 24
Views: 4614

Re: Proton Mail

what more updates do you need. Protonmail is an effective service. I use it for my financials which are the most important. I dont use it for anything else. Frankly, from a purely security perspective gmail is very good. But if you dont like the idea of google scanning your messages then protonmail ...
by jayk238
Wed Jun 27, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 6859

Re: CNBC: Social Security buying power has slipped by a third for retirees

Im confused because my inlaws are hauling in about 3100 a month which was more than I took in after taxes as a resident. My wife and I lived comfortably. My MIL has significant health issues requiring lots of meds costing about 10k a year and still they seem fine. I agree that inflation has eaten aw...
by jayk238
Wed Jun 27, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 44
Views: 3970

Re: MBA Options

When I was in college recruiters told me unless your MBA is in a top 10 and even then a top 5 your ROI was not good. Getting a job that would justify the expense wouldnt be worth it I was told. This was in 2008. The same holds today. None of those schools are worth the expense (tuition + expenses+ l...
by jayk238
Fri Jun 22, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

In his original post, the OP wrote that he was "worried about making friends for wife". Like Celia, I wondered what sort of adult would need someone to make friends on their behalf, and my first thought was someone who was not fluent in English. After reading the rest of his post, I thought it was ...
by jayk238
Fri Jun 22, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

have you thought about learning Bridge? Should find people in that age range, and bridge players are extremely interesting/successful/intelligent. It's the best mind sport in the world, and you can find local clubs wherever you go. Also, it's a sport so you can play socially or competitively depend...
by jayk238
Fri Jun 22, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Moving to a new city 6 hours away. Worried about making friends for wife. I am half man half monk. Can do without others because I have wife but she is not like this. She loves things like bocce, and indoor heated pool swimming. she found those two activities here. They tend to be an older crowd wh...
by jayk238
Fri Jun 22, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Absolutely no ulterior motives. I find the idea of dating for my wife so comically stupid as to become unoffensive despite the awfulness of it.
by jayk238
Fri Jun 22, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

How about you don't try to look deeper into the purpose of the thread and just take it for face value? OP is looking for advice, no need to read further into it and try to make judgments. I might add that each explanation you give isn't helping. It is a part of the Bogleheads culture, and its value...
by jayk238
Wed Jun 20, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2441

Re: Need new Cable Modem + Router - Please recommend

Apparently certain cable providers like spectrum provide free modems instead of charging a monthly fee so you can ask. I use google wifi router and love it so far. I would recommend you get a modem based on your speeds. Docsis 3.0 is good for up to 300 mbps if you want gigabit you need a docsis 3.1....
by jayk238
Wed Jun 20, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?
Replies: 9
Views: 690

Re: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?

2 years, short term goals? High Yield Savings, Money Market, Prime Money Market, CD's, CD ladder, etc, etc. 1 Security of Principal 2 Liquidity Concurrently, pay down those loans. j I think I will do this. Thanks I did not consider your high income. "Taylor's" suggestion for Short Term Tax Exempt i...
by jayk238
Wed Jun 20, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?
Replies: 9
Views: 690

Re: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?

Sandtrap wrote:
Tue Jun 19, 2018 12:25 pm
2 years, short term goals?

High Yield Savings, Money Market, Prime Money Market, CD's, CD ladder, etc, etc.
1 Security of Principal
2 Liquidity

Concurrently, pay down those loans.

j
I think I will do this. Thanks
by jayk238
Wed Jun 20, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?
Replies: 9
Views: 690

Re: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?

Can you tell me what percentage bonds vs savings and what bond fund? [/i] I see little difference in a high-quality short-term bond fund or other fixed-income SAVINGS mentioned by Sandtrap. I would use one or the other for simplicity (Read my Simplicity link below). Considering your high income, I ...
by jayk238
Tue Jun 19, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?
Replies: 9
Views: 690

Re: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?

Taylor Larimore wrote:
Tue Jun 19, 2018 12:36 pm
jayk238:

Money you may need in two years should not be invested in risky stocks.

I'll suggest a good-quality, short-term bond fund in addition to Sandtrap's excellent suggestions.

Best wishes.
Taylor
Ok thanks. Can you tell me what percentage bonds vs savings and what bond fund?
by jayk238
Tue Jun 19, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?
Replies: 9
Views: 690

Short term goals - 2 years- should i invest 80/20 bonds weighted or in savings?

Starting new job in about 3 wks. I will receive lumpsum 20k bonus (if i leave in 2 years have to pay back). In addition Goal is to max out everything I can from my income -235k. Anticipate about 25 k available in taxable account -EXCLUDING the 20k bonus and after maxxing whatever i can. What should ...
by jayk238
Mon Jun 18, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? ... This is a very rude post. Passive aggressive, condescending, where to begin? I'm not going to dignify it with a proper response. I'm sorry but the original post came across to me as if you needed to make all the decisions for your wi...
by jayk238
Mon Jun 18, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

For adults, friends come easily and naturally through church and through kids. The lack of kids definitely puts a crimp in things. Making friends may take a little more effort on her part. If you are "dog people", I think a dog is a great way to meet people. A good percentage of the people I know h...
by jayk238
Mon Jun 18, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? (This sounds like you are looking for playdates for her.) Is there some reason she can't find friends on her own? Does she speak English? Is she allowed to leave the house? Can she read? Happy wife = happy life. Lord forbid she then want...
by jayk238
Mon Jun 18, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? (This sounds like you are looking for playdates for her.) Is there some reason she can't find friends on her own? Does she speak English? Is she allowed to leave the house? Can she read? Can't she find out who organizes classes/meetings ...
by jayk238
Mon Jun 18, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

I swear making new friends as an adult is one of the most difficult things to do. Everyone is so busy with their kids and jobs that they don't spend as much time doing hobbies that they truly enjoy. The reason making friends in college is easy is because developing a good friendship requires repeat...
by jayk238
Mon Jun 18, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Go to any art galleries and drop your name and telephone number there - if there are openings/events, you will be on the guest list. Business chambers/chambers of commerce - always holding interesting luncheons. Royal Geographic Society - regular talks by interesting folk. Call a local PR agency an...
by jayk238
Mon Jun 18, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Since you mentioned Catholicism, how about your new parish church? Maybe even talk with the pastor about groups that your wife might find interesting. Also, I agree with the dog-walking. We don't have a dog, but we love chatting with our neighbors who are out walking their dogs. The kids get to pla...
by jayk238
Mon Jun 18, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Factor this into your choice of new housing. I don't think it is the size of the city that matters as much as the choice of neighborhood. I find it is much easier to meet people in a walkable neighborhood with small-scale stores/restaurants/cafes, etc. It's easier for the kind of impromptu socializ...
by jayk238
Mon Jun 18, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

In addition to friends, OP should also have some concern for your DW's health. OP's initial post praises the "2 amazing heated pools (90+ temp)" where he lives now. If the pools are really 90+, they are way too hot. Bacteria, algae and other organisms thrive under warm water conditions, and a pool ...
by jayk238
Mon Jun 18, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

$200,000 for 10 years of vacations is too much, even on your salary. An exotic trip to Africa, Australia, the Far East here and there is fine, but not as a routine. Definitely do enjoy life and travel if you desire. Also, extrapolating to other aspects of your life, make sure you don't have to spen...
by jayk238
Mon Jun 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

I disagree. I am very diligent w getting deals and it looks like weve done a better job. For the past three european trips we managed to score tickets bw 500-600 you just have to look at the right airports and drive to them. If you want convenience from some midsize hub then yeah irs going to be to...
by jayk238
Mon Jun 18, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

$200,000 for 10 years of vacations is too much, even on your salary. An exotic trip to Africa, Australia, the Far East here and there is fine, but not as a routine. Definitely do enjoy life and travel if you desire. Also, extrapolating to other aspects of your life, make sure you don't have to spen...
by jayk238
Mon Jun 18, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

$200,000 for 10 years of vacations is too much, even on your salary. An exotic trip to Africa, Australia, the Far East here and there is fine, but not as a routine. Definitely do enjoy life and travel if you desire. Also, extrapolating to other aspects of your life, make sure you don't have to spen...
by jayk238
Mon Jun 18, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

$200,000 for 10 years of vacations is too much, even on your salary. An exotic trip to Africa, Australia, the Far East here and there is fine, but not as a routine. Definitely do enjoy life and travel if you desire. Also, extrapolating to other aspects of your life, make sure you don't have to spen...
by jayk238
Sun Jun 17, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

I'm guessing you and your wife are in your 30s and don't have kids? I unfortunately have no solutions, but can report that my child-free spouse is having similar issues in a new geographic area. It can be very difficult to make friends as an adult in your 30s when it seems literally everyone you me...
by jayk238
Sun Jun 17, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

Does you wife work outside the home? Meeting people there will help - for the socialization. Crafting groups? Photography? Gardening club. Volunteer at the library. If there are lakes around, there may be sailing groups. Nature center volunteer? Birding? No She doesnt work. Which doesnt help. She i...
by jayk238
Sun Jun 17, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

I meet many people walking my dog. Great conversations of all kinds almost every single day. My advice -- wait for it -- Get a dog! Added: But if you get a dog, be a good citizen and clean up after it and don't let it pee on someone's grass unless they approve. ;) yep! Dog is already in the works
by jayk238
Sun Jun 17, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by jayk238
Sun Jun 17, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8387

how to make friends in new location?

Moving to a new city 6 hours away. Worried about making friends for wife. I am half man half monk. Can do without others because I have wife but she is not like this. She loves things like bocce, and indoor heated pool swimming. she found those two activities here. They tend to be an older crowd whi...
by jayk238
Sun Jun 17, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3446

Re: How to calculate "fun money" per year?

Is there a percentage to use? Not really. The percentage to look at is percentage to long-term savings. When I was in my 20s, salary was modest and expenses were comparatively high. As years went on, I increased percentage to long-term investments most years until eventually I maxed out. But I did ...
by jayk238
Sun Jun 17, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3446

Re: How to calculate "fun money" per year?

Is there a percentage to use
by jayk238
Sun Jun 17, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6942

Re: can we afford to spend $20K on travel annually

$200,000 for 10 years of vacations is too much, even on your salary. An exotic trip to Africa, Australia, the Far East here and there is fine, but not as a routine. Definitely do enjoy life and travel if you desire. Also, extrapolating to other aspects of your life, make sure you don't have to spen...
by jayk238
Sat Jun 16, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5378

Re: What are your hobbies?

I have zero hobbies now. But I have many pending :) We do travel though. And I recently started using my Rebel DSLR for travel photos which I LOVE investing and reading about it here pending: Golf travel photography learning foreign languages becoming a father at some point reading books skiing biki...
by jayk238
Sat Jun 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1537

Re: Functional Medicine/ managing the costs

I think we should take a step back and understand that functional medicine can help patients. There are a lot of patients that we get that standard medicine just doesn't help. But its important to go to a reputed center that has doctors trained in this. A lot of it by them is basically hand holding...
by jayk238
Sat Jun 16, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with smart home and home security? What to buy and how?
Replies: 5
Views: 697

Anyone familiar with smart home and home security? What to buy and how?

Im moving to a new rental and its fairly large- its a home 2800 sqft. Our current is 890 for comparison. new job and everything in a few weeks. I recently bought a new router (after the hacking fiasco) and went with google. I plan to buy a nest, a google home device, nest CO monitor and a basic home...
by jayk238
Sat Jun 16, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1537

Re: Functional Medicine/ managing the costs

I think we should take a step back and understand that functional medicine can help patients. There are a lot of patients that we get that standard medicine just doesn't help. But its important to go to a reputed center that has doctors trained in this. A lot of it by them is basically hand holding,...
by jayk238
Sat Jun 16, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1537

Re: Functional Medicine/ managing the costs

Be very careful about functional medicine.

I would recommend it only if you could go to a well regarded center. Cleveland Clinic, UPMC, Chicago, etc.

Its generally not covered by insurance.