Search found 574 matches

by jayk238
Mon Jul 15, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 36
Views: 2726

Re: New Subaru Outback Engine Offering for 2020

I personally have nothing against it in concept. You will still get a lot of hp at 260. The idea of a smaller volume turbocharge is nothing new and has been done by porsche for a long time. Of course its a different beast entirely! If there are any concerns its that this is a new platform. What miti...
by jayk238
Fri Jul 12, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3543

Re: How to obtain contracted rates for medical procedures?

What? Are you saying that within your single network you can see different providers of the same type ie cardiologists etc and they charge different prices each? This is hard to believe. I work for a medical facility which has many different geographic locations. Medicare pays 10% more for the exac...
by jayk238
Tue Jul 09, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3543

Re: How to obtain contracted rates for medical procedures?

3. Doesnt matter who it is. If its in network and the same tier then its the same price. Cant really shop This is not true, at least not in all places. Some providers affiliated with larger health networks, such as those mentioned in the OP, are able to receive higher rates from the same insurance ...
by jayk238
Tue Jul 09, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3543

Re: How to obtain contracted rates for medical procedures?

Scenario: I have an HDHP with a high deductible ($8k) I'm not going to meet I have an expensive, but ordinary and low-risk specialist vsiit coming up and am trying to shop around (within my PPO's network) for the best rate. Cost is in the thousands, but definitely nowhere near meeting the deductibl...
by jayk238
Fri Jul 05, 2019 7:51 am
Forum: Personal Investments
Topic: American in Denmark, just sold NY house... how should I invest?
Replies: 11
Views: 910

Re: American in Denmark, just sold NY house... how should I invest?

My wife and I are US citizens, now living and both working in Denmark. So far, my wife and I have separate finances, and just use a shared account for shared expenses like food and rent. I just sold my rental property in the US in time to avoid capital gains tax and to avoid further double taxation...
by jayk238
Thu Jul 04, 2019 3:37 pm
Forum: Non-US Investing
Topic: FIRE to Sweden from Switzerland on 1M euro?
Replies: 24
Views: 2909

Re: FIRE to Sweden from Switzerland on 1M euro?

Can you tell me a few things? Your col right now in sw? Your expected col in sweden? Your current income? What do you do and why do you want to retire? In switzerland vs sweden what is free and what is an expense healthcare pension etc ? COL in Switzerland is ~$100K/year, decreasing to $80K with ki...
by jayk238
Thu Jul 04, 2019 1:20 pm
Forum: Non-US Investing
Topic: FIRE to Sweden from Switzerland on 1M euro?
Replies: 24
Views: 2909

Re: FIRE to Sweden from Switzerland on 1M euro?

We live in Switzerland (HCOL) and are thinking about retiring to Sweden (LCOL). We have a young family and 1M Euro in taxable accounts. We should be able to safely withdraw close to the median income in LCOL areas of Sweden (e.g. Lund) from our portfolio if we invest in a tax-efficient "ISK" accoun...
by jayk238
Mon Jul 01, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

Get up into the mountains and out of Interlaken. We spent five nights in Wengen, up the mountain from Lauterbrunen and loved it. The views are amazing. From there we did a number of surprisingly gentle but gorgeous hikes, explored the lakes around Interlaken, explored the waterfalls, and just soake...
by jayk238
Mon Jul 01, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

Get up into the mountains and out of Interlaken. We spent five nights in Wengen, up the mountain from Lauterbrunen and loved it. The views are amazing. From there we did a number of surprisingly gentle but gorgeous hikes, explored the lakes around Interlaken, explored the waterfalls, and just soake...
by jayk238
Sat Jun 29, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

I worked in Basel back in 2007.....suggest a day trip to Colmar Fr, just under an hour via Fr train. Alternatively, you could plan a stop over on the way between Strasbourg & Basel. Try the ice cream at MÖVENPICK. A chain all over, with a location in Basel. BTW are you sure the Swiss travel pass is...
by jayk238
Sat Jun 29, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

DW and I took a trip to Switzerland a couple years ago. If you get the time, try to take a trip to Brienz, a charming small town on the edge of Lake Brienz. The view of the lake is breathtaking, and there a pretty neat wood carver's shop in the town. The other portion of Switzerland that we really ...
by jayk238
Sat Jun 29, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

Excellent question. The transportation in Switzerland looks incredible, well covered and reasonable price. However, the “card” options are worthy of Boglehead calculation! Right now I’m looking at adding a Jungfrau Pass to a Swiss Travel Pass, just for convenience. Wait what? Are you me? Jokes asid...
by jayk238
Sat Jun 29, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Going to switzerland this september-advice?

Planning on strausburg fr- basel- Interlaken- luzern-Lausanne. We wanted to see zurich, lugano etc but decided not enough time. Our trip is 10 days plus an extra day for flught in and another day for flight out We will be getting the swiss travel pass. Any suggestions on what to do? Where to go abov...
by jayk238
Sat Jun 29, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Suggestions regarding towns/cities to retire (in 48 states)
Replies: 17
Views: 2226

Re: Suggestions regarding towns/cities to retire (in 48 states)

A lot of these southern states dont sound inviting when considering the heat. I live in a traditionally mild climate and our spring/summer temps have already hit 90. If youre into hiking, are in your 50s or so would you really want to hike or enjoy the outdoors in sweltering heat? I often wonder if ...
by jayk238
Tue Jun 25, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1620

Re: Going to Ireland in July

We will be vacationing in Ireland for 8 days in July. We have a 8-year old. I have read some chapters from Rick Steve's book and Fodor's. We will be flying in and out of Dublin. Planning to stay in Dublin for 3 nights/2 full days before driving to the Southwest part of Ireland in a rental car. This...
by jayk238
Sat Jun 22, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1244

Re: One Medical as Primary Care Provider

I'm curious if anyone is using One Medical as a primary care provider. They are a tech focused concierge service with a $199/year fee which gets same day or next day appointments, greater effort to stay on schedule for appointments, website, and video medicine. I like my current internist but it ta...
by jayk238
Sat Jun 22, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Paris hotel recommendations for young family
Replies: 13
Views: 981

Re: Paris hotel recommendations for young family

We are looking at staying in Paris for 3-4 nights. Does anyone have family friendly hotel recommendations? We will have our 5 year old and 3 year old with us. Location to sites and transportation is very important. I was just in paris in april/may. I saw your last response. But it also depends on y...
by jayk238
Fri Jun 21, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

The 4 pCi/L EPA action limit is arbitrary. This is equivalent to something like 200 chest x-rays per year. Unless you believe this is all hype, there is no proven safe level for ionizing radiation - it is a statistical "game." I would rather minimize any exposure above the unavoidable background. A...
by jayk238
Mon Jun 17, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

The 4 pCi/L EPA action limit is arbitrary. This is equivalent to something like 200 chest x-rays per year. Unless you believe this is all hype, there is no proven safe level for ionizing radiation - it is a statistical "game." I would rather minimize any exposure above the unavoidable background. A...
by jayk238
Fri May 31, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 38285

Re: For those who earn $500k+ per year. How'd you do that?

How exactly does one work a 100 hr week on a regular basis?.. How much time per day is the commute, getting ready for work, eating, going to bathroom per day? No kids/time with kids? Take a dog for a walk? Any exercise time? Edit: forgot sleeping... This may be considered a financial success, but i...
by jayk238
Fri May 31, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 38285

Re: For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story? Im 33 and ma...
by jayk238
Thu May 16, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6763

Re: Do you reward yourself for achieving a financial goal?

With retirement savings of 410K and only our mortgage as debt, I feel it would be crazy at this point in my life to buy something like a Rolex. I could certainly see us going out for a Ruth's Chris dinner at 500K retirement savings or something like that, maybe just to acknowledge sticking on budge...
by jayk238
Thu May 16, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6763

Re: Do you reward yourself for achieving a financial goal?

you left out a zero from my perspective maybe buy something) at 2,500,000. Usually it might be a starbucks coffee nice car (1-2 years old, preowned) at 5,000,000 if needed and old car is ready to be turned in, not as a reward though at 250,000 or 500,000 not really on the radar for me, thats just m...
by jayk238
Thu May 16, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2864

Re: Impossible Burger At Home

I’ve become a big fan of “The Impossible Burger” at a local upscale hamburger “joint”. It’s not clear if they are REALLY healthier than a real beef burger, (am I trading the red meat risks for something else, known or unknown?), but I’ve convinced myself that they are 😀. But the health aspect isn’t...
by jayk238
Thu May 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2864

Re: Impossible Burger At Home

I’ve become a big fan of “The Impossible Burger” at a local upscale hamburger “joint”. It’s not clear if they are REALLY healthier than a real beef burger, (am I trading the red meat risks for something else, known or unknown?), but I’ve convinced myself that they are 😀. But the health aspect isn’t...
by jayk238
Tue May 14, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 1826

Re: Fair price for new Subaru Outback?

I am finalizing a purchase of a new 2019 Subaru Outback. It is a Premium 2.5i with manufacturing configuration 13 and the popular package option #2. MSRP was $31,287, Invoice was $29,218, and final price (prior to taxes, license, and fees) was $26,468. Titles and fees are $550. Is this a good price...
by jayk238
Fri May 10, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 404
Views: 101862

How many reached +3 million in <20 years and how?

[Merged -- mod oldcomputerguy] Excluding business owners, sales of business, stock windfalls (ie ipos etc), inheritance > 500k, lottery etc, other large sudden amounts received. Essentially this includes anyone who earned income as partner, salary or stock over time and was able to reach 3 million....
by jayk238
Mon May 06, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: College credit for HS courses or not?
Replies: 49
Views: 2291

Re: College credit for HS courses or not?

My son and a several friends will be taking advanced classes in math (eg., MultiVariable, Differential Equations, Linear Algebra, etc.) and computer science during high school and I was wondering if anyone had specific experience or can explain the pros/cons of obtaining college credit for these cl...
by jayk238
Sat May 04, 2019 5:17 am
Forum: Investing - Theory, News & General
Topic: Housing market bubble
Replies: 27
Views: 6131

Re: Housing market bubble

https://www.bloomberg.com/opinion/articles/2019-04-25/young-people-can-t-buy-homes-until-baby-boomer-homeowners-move-on?srnd=premium I made this same exact argument months ago and the topic was closed for whatever reason. I argue, again, population changes make real estate a dangerous investment fo...
by jayk238
Thu Apr 25, 2019 9:01 am
Forum: Investing - Theory, News & General
Topic: Housing market bubble
Replies: 27
Views: 6131

Housing market bubble

https://www.bloomberg.com/opinion/articles/2019-04-25/young-people-can-t-buy-homes-until-baby-boomer-homeowners-move-on?srnd=premium I made this same exact argument months ago and the topic was closed for whatever reason. I argue, again, population changes make real estate a dangerous investment for...
by jayk238
Tue Apr 23, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Re: Traveling to paris and amboise next week

baconavocado wrote:
Mon Apr 22, 2019 10:01 pm
I'll second Chenonceau and the weekend farmer's market in Amboise.
Worth skipping paris to stay extra in?
by jayk238
Tue Apr 23, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4708

Re: At what age did you buy your first first class airplane ticket?

I am 33 and am traveling business class in 2 days to paris. Paid full price at 2500. Economy was 1100 Nonstop flight I hate coach. I hate it so much i almost dont travel. If this takes care of that Im fine with it. The key is that i go to europe refreshed because the first few days after coach are m...
by jayk238
Mon Apr 22, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Re: Traveling to paris and amboise next week

I won’t comment on Paris because there are simply too many things to do and see there. Rick Steves’ Paris guide might be a good starting point. I'm headed to France week after next. A friend just pointed out that Rick Steves has a free app of audio tours for Europe. Download the app and then read t...
by jayk238
Sun Apr 21, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Re: Traveling to paris and amboise next week

I won’t comment on Paris because there are simply too many things to do and see there. Rick Steves’ Paris guide might be a good starting point. I'm headed to France week after next. A friend just pointed out that Rick Steves has a free app of audio tours for Europe. Download the app and then read t...
by jayk238
Sun Apr 21, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Re: Traveling to paris and amboise next week

Check out: www.experienceloire.com This website has a lot of information about the towns & villages & chateauxs of the Loire Valley. Go to "Towns & Villages" and "Places to Visit" for a good overview of all the chateauxs. I went last Fall & stayed 3 nights in Chinon (50 miles west of Amboise), 3 ni...
by jayk238
Sun Apr 21, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Re: Traveling to paris and amboise next week

I won’t comment on Paris because there are simply too many things to do and see there. Rick Steves’ Paris guide might be a good starting point. With regard to the Loire, I have made two trips. One about 18 years ago by bike with Rad Reisen. It was an amazing trip but the biking cut into castle time...
by jayk238
Sat Apr 20, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1340

Traveling to paris and amboise next week

Any recommendations on what to do regarding paris on saturday?
Things to do in first arrondisemont? Our hotel is here. Im aware of the obvious stuff museums opera etc-looking for restaurants etc.
places to go in loire staying in amboise
by jayk238
Sun Apr 14, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Best 48-52" TV for ~$500? Costco?
Replies: 14
Views: 943

Re: Best 48-52" TV for ~$500? Costco?

Bob Sacamano wrote:
Sun Apr 14, 2019 4:37 pm
the Costco TCL's are silly cheap. anything else i should look into?

thanks!
If u have the money splurge for a lg oled. If not then wait if you already have one. We have a samsung 60 in lcd hdtv and have owned it for the past 4 years w no issues. Id rather get that than a tcl
by jayk238
Sun Apr 14, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9785

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by jayk238
Sun Apr 14, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2249

Re: Walking shoes

Need some recommendations for good walking shoes, we are headed to Europe on a viking cruise, plan to do a ton of walking (cobblestone streets, etc) and want good shoes or low hiking sneakers. Please help, thanks If you plumb the depths of this website you will find countless recommendations. My pe...
by jayk238
Sun Apr 14, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 3201

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

Thanks to Physiorol (and all the great responses) for the post linked below about IEOR at Berkeley vis-à-vis UC Davis CS. We are in a similar position and request feedback for our case which is as follows: https://www.bogleheads.org/forum/viewtopic.php?t=277672 Son has been accepted into IEOR at Be...
by jayk238
Fri Apr 12, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8442

Re: Are Airport Lounges Worth the Money?

I have an Amex Platinum that comes with lounge access. $550/year, but I get $200 of airline credit, lounge access, and a 100,000 bonus mile sign up offer. If I renew it after this year it will be because of the lounges. I have been in great lounges and also just ok ones. In Johannesburg I was able ...
by jayk238
Fri Apr 12, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1425

Re: Another lawn mower thread:

There is a current thread focusing on electric or battery operated lawn mowers. We are moving from a large yard where I cut with a riding mower to one with a lot approximately 100 X 175 feet, too small for a riding mower. We want a gasoline powered mower but are not certain whether to get one that ...
by jayk238
Fri Apr 12, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1425

Re: Another lawn mower thread:

Recommendations: 1. Buy the cheapest gas mower and a rake. 2. Buy the cheapest gas mower and install mulching blades. 3. Buy the second cheapest gas mower with mulching blades already installed. There is a place for cheap mowers i guess esp if money is tight. I was using a cheap snapper which wasnt...
by jayk238
Thu Mar 28, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 20148

Re: Bogleheads with $100K+ MSRP cars?

I have two, a Tesla and a Range Rover. My justification is I spend less on cars as a % of my income than 95% of Americans. So let's test the logic of your statement. It's generally accepted that 95% of Americans (in the USA) own cars. By your statement, you "spend less on cars as a % of my income t...
by jayk238
Tue Mar 26, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3986

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

https://www.samuelhubbard.com/bucks?color=Navy+Nubuck https://dimg.dillards.com/is/image/DillardsZoom/main/samuel-hubbard-mens-bucks-casual-shoes/05192188_zi_navy.jpg I found these shoes extremely comfortable and easy to wear with no issues. I go to dinner in them and walk for hours in stores etc. ...
by jayk238
Mon Mar 25, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 32
Views: 2379

Re: Has anyone used Heal? [Doctor housecall app]

Later I Googled the doctor and learned he is a Fellow in Gastronenterology at UCSF. Definitely higher quality than what I would have received at my local urgent care. Still scratching my head at how this could be sustainable. Many fellows make less than $60,000/year. Fellows are "post graduate year...
by jayk238
Sun Mar 24, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5547

Re: Where do you find high paying jobs?

The way I read it, simply we are not personality based ie dince we all train and go thru the same process essentially you can replace one w the other. Its all about the training and not the persons innate ability. Thats why we all pretty much make the same per his claim. This is not true of course....
by jayk238
Sun Mar 24, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5547

Re: Where do you find high paying jobs?

There are some professions that are not personality based , most everyone makes the same money there e.g doctors . Others are personality and skill based like engineering . An engineer can make 30k to 30M a year. X years experience as an engineer doesn't guarantee you promotions, raises or a partic...