Search found 487 matches

by jayk238
Tue Jan 22, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1420

Re: purchasing a home and wondering if we have a good deal

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase tota...
by jayk238
Tue Jan 22, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1420

Re: purchasing a home and wondering if we have a good deal

dsmil wrote:
Tue Jan 22, 2019 10:59 am
It seems reasonable to me. I entered it into Aimloan.com and the only difference was that Aimloan's fee was $400 less.
Right and by going w chase i have the preferred card so i get 625 dollars cash back...
by jayk238
Tue Jan 22, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1420

Re: purchasing a home and wondering if we have a good deal

Go to Bankrate.com and search for the best mortgage prices. My first house was financed through Chase. Since then I have learned a lot, and have figured out that the online companies are the least expensive by far. I recently used a company named Garden State Home Loans. Easy to work with and the l...
by jayk238
Tue Jan 22, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1420

Re: purchasing a home and wondering if we have a good deal

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase tota...
by jayk238
Mon Jan 21, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1420

purchasing a home and wondering if we have a good deal

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase total...
by jayk238
Sat Jan 19, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2032

Re: Curry Powder?

Hi all, My husband and I have been on a curry kick recently and I'm looking to buy some great curry powder. Our local grocery store's is pretty mild and tasteless and we don't have any specialty stores nearby. Anyone have a great curry powder they can recommend, preferably one I can order online? T...
by jayk238
Sun Jan 13, 2019 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.
Replies: 29
Views: 5521

Re: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.

Hi everyone! I've skimmed this a little bit and honestly it is SO overwhelming for me. As a bit of an introduction, [OT comment removed by admin LadyGeek] We used credit cards irresponsibly, tax refunds were for new TVs or other dumb stuff, and living paycheck-to-paycheck was an understatement. We ...
by jayk238
Fri Jan 11, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3626

Re: Stay in private practice medical or take VA job offer?

Hello! I am considering a change in employment, but could use some advice. Seeking financial advice from anyone in "the know" as well as physicians, NP/PA, or other medical professionals that have gone from private practice to federal or vice versa. I am a 45 yo working in an outpatient specialty m...
by jayk238
Fri Jan 11, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20289

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Do you really need a security system? I have two young kids and it gives peace of mind. The services is basic Get SimpliSafe. Upfront cost for the system, but skip the monitoring (someone breaking in will run when they hear the alarm). ROI is only a couple of months. Simplisafe sucks. I have simpli...
by jayk238
Thu Jan 10, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20289

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Do you really need a security system? I have two young kids and it gives peace of mind. The services is basic Get SimpliSafe. Upfront cost for the system, but skip the monitoring (someone breaking in will run when they hear the alarm). ROI is only a couple of months. Simplisafe sucks. I have simpli...
by jayk238
Thu Jan 10, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

Sounds like your spouse got a free consult. Great. I'll tell her to just ignore the pain and be thankful she still has legs. Dude. With all due respect there is a reason why we have pcps. She may have to wait till she sees one. Orthopedic surgeons do not want to do the work of a pcp. That means eva...
by jayk238
Wed Jan 09, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13976

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

I tell you what. Wife and I thought we were living well above our means but somehow I managed to save 30k this year. I ‘only’ made 143 and yet have 12k in bank and 18 in 401. This after spending 20k in medical expenses. The thing is we blew our money as much as we could saying wed get it out if our ...
by jayk238
Wed Jan 09, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

I'm guessing the surgeon's thinking is they don't want to waste their time if your wife is not a candidate for surgery. And your wife likely isn't a candidate for surgery unless she's tried pain medications with management by a PCP and/or physical therapy. How would they know until they see her and...
by jayk238
Wed Jan 09, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

Sounds like your spouse got a free consult. Great. I'll tell her to just ignore the pain and be thankful she still has legs. Dude. With all due respect there is a reason why we have pcps. She may have to wait till she sees one. Orthopedic surgeons do not want to do the work of a pcp. That means eva...
by jayk238
Fri Jan 04, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8260

Re: What Do You Spend The Most On Annually?

Nothing comes close to taxes.
Taxes: 60,000 a year -last year i paid 4000
Our personal budget 32k
rent w utilities 21k
Student loans 20k
Medical expenses 20k
Etc etc
by jayk238
Thu Jan 03, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 10879

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

Lot of messages here. Not sure if they discussed graduate degrees but that is an option. I would recommend applying to local programs for masters in engineering. I know it can be competitive for those but you can apply for state ones that are less competitive. Its important to realize improving the ...
by jayk238
Wed Jan 02, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8300

Re: Your ideal home size

The homes here range from 900-1700 on average. Interesting to see that the larger homes (save for a few) are not showing up here especially w the higher incomes. Wife and I lived in a 900 sqft home till recently and dont think we want a space that small again and its just two of us.
by jayk238
Tue Jan 01, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2512

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Tue Jan 01, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2512

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Tue Jan 01, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2512

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Mon Dec 31, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2512

Re: Furniture - Ethan Allen Sofa

If you know the specific names of the furniture items, you can wait for them to pop up on Craigslist. Easy way to save 50% at least on mainline items. Otherwise I would ask the reps when specific items go on sale. Good chance though if they went to the trouble of going to your home to create a cust...
by jayk238
Mon Dec 31, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2512

Re: Furniture - Ethan Allen Sofa

Hi, I am shopping for a new sofa and chair. My friend recommended Ethan Allen. I visited the store and the representative visit my home, measured my living room and created a few layouts. I selected a layout (sofa, chair, and table). Any idea how to get the best price? Would it cost less to wait un...
by jayk238
Sun Dec 30, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 15
Views: 2033

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

chubb has a good rep, dont havea nything with chubb....but your question seems to imply you wish to switch. We have Erie insurance, it has some of the best reviews, they are well regarded and I have only positive things to say. My car insurance, renters insurance is through them my inlaws home insur...
by jayk238
Thu Dec 27, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limit with new HRA
Replies: 3
Views: 452

Re: HSA contribution limit with new HRA

Unless the HRA is restricted to dental, vision, and post-deductible expenses, it is insurance which disqualifies you from contributing to an HSA. Therefore, your 2018 limit is 11/12 of the annual limit; contact your HSA provider if you have already gone over. And in 2019, you cannot contribute to a...
by jayk238
Thu Dec 27, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2353

Re: Superautomatic espresso machines

Years ago I owned a DeLonghi superautomatic; it was fine but still a bit of a hassle to clean and maintain. In the morning sometimes you just want a cup with the least amount of fuss possible. Superautomatics also take up a lot of counter space. I replaced the DeLonghi with Nespresso, the coffee is...
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1182

Re: How do u get excess fica back?

dodecahedron wrote:
Wed Dec 26, 2018 5:44 am
See Schedule 5, line 72.

As already noted tax software will deal with this automatically after you enter your W-2 figures.
Thx
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1182

Re: How do u get excess fica back?

What happened when you called the IRS and asked them? I find them very helpful when I speak to them. U mean the gutted irs during the shutdown? Endless wait time on the phone is what happens Thanks for helpful advice I've changed jobs multiple times over a 35+ year career and have been in this situ...
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1182

Re: How do u get excess fica back?

When I switched employers a few years ago, I had excess FICA taken out. The tax software spotted it. The end result is that you will get a credit for the excess payment. There's nothing to do except fill out your tax return and let the software take care of it. Here's what TurboTax will do: Can I g...
by jayk238
Wed Dec 26, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1182

Re: How do u get excess fica back?

AlohaJoe wrote:
Wed Dec 26, 2018 1:19 am
What happened when you called the IRS and asked them? I find them very helpful when I speak to them.
U mean the gutted irs during the shutdown? Endless wait time on the phone is what happens

Thanks for helpful advice
by jayk238
Wed Dec 26, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1182

How do u get excess fica back?

I have had two employers in two separate states and have overpayed in my estimates by 2600 dollars in FICA.

Ive never run into this before.

How do i get a refund for this.
by jayk238
Fri Dec 21, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19522

Re: Favorite Purchase of 2018?

Xbox x and nintendo switch Loved both. Makes gaming a lot more fun.xbox- I now have alexa and my tv running thru it so w no remote can start netflix. Also love the ease of starting a game -not more than a few seconds. Switch-i love portability and playing diablo at inlaws is awesome. Any tips on ge...
by jayk238
Thu Dec 20, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2796

Re: Stoic philisopher of Rome: Epictetus

...it seems to me the Stoic principles might undermine legitimate emotional responses to the world and events. Isn't that part of the point to stoicism? Something happens. You're reaction or non-reaction is all that really matters (to you and perhaps to others). My point, which I'm not committed to...
by jayk238
Thu Dec 20, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2796

Re: Stoic philisopher of Rome: Epictetus

Its irritatingly reductive philosophy. St what point does one’s own stoicism lead to faulty inaction that affects others. Who gets to decide when its acceptable to react in one situation but in another its overreaction. Sure ignoring news or finding a way to observe it without reacting strongly can...
by jayk238
Thu Dec 20, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2796

Re: Stoic philisopher of Rome: Epictetus

Its irritatingly reductive philosophy. St what point does one’s own stoicism lead to faulty inaction that affects others. Who gets to decide when its acceptable to react in one situation but in another its overreaction. Sure ignoring news or finding a way to observe it without reacting strongly can ...
by jayk238
Thu Dec 20, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2796

Re: Stoic philisopher of Rome: Epictetus

...it seems to me the Stoic principles might undermine legitimate emotional responses to the world and events. Isn't that part of the point to stoicism? Something happens. You're reaction or non-reaction is all that really matters (to you and perhaps to others). A band you like posts something in t...
by jayk238
Thu Dec 20, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19522

Re: Favorite Purchase of 2018?

I have a lot more than one but they all make a difference My subaru 2019 3.6 touring. I cant imagine ever getting another car even luxury unless its a larger suv or sports car. My iphone xs for each I thought it was a unnecessary upgrade but i love it now. The facial recognition is super easy and th...
by jayk238
Tue Dec 18, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 33
Views: 2377

Re: Omega watch expenses

I really struggled wearing watches. I mean whats the point of telling time w smartwatches so even my fancy citizen id forget to wear.
Now i have a apple watch and cant let go of it. I use it constantly.
Its nothing like a rolex i know.
But it gets the job done and then some!
by jayk238
Tue Dec 18, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 688

Re: Buying home-good idea in this case?

Has anything changed since this thread about getting settled in new location? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=251958&p=3979381#top Have you read White Coat Investor? I wouldn't be comfortable taking on more debt. I have read his book and pretty much every relevant blog post. H...
by jayk238
Tue Dec 18, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 688

Re: Buying home-good idea in this case?

Just find a better rental. You are not in a position to take on more debt and you don't have enough of an emergency fund yet, let alone enough for a downpayment/closing costs/reserves for home maintenance/etc. Havent found a better rental even though we looked. Most other homes for rent are owned b...
by jayk238
Tue Dec 18, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 688

Buying home-good idea in this case?

Income 255 started in july Stable sort of. I mean if i leave its my choice so for sure ill have another job lined up. Currently renting as we just moved and started new job. But wife hates dealing w landlord and wants to move asap. Contract is for 5 years but i can leave w no fault in 2 Student Debt...
by jayk238
Tue Dec 18, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2691

Re: Tips for a cold bedroom above a garage?

dknightd wrote:
Tue Dec 18, 2018 5:51 pm
Golf maniac wrote:
Tue Dec 18, 2018 5:15 pm
Insulation needed, above, below, and any external walls.
+1
This. Just had inspection on home to buy and this was the inspectors advice.
by jayk238
Tue Dec 18, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1989

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Generally your insurance should kick in should they not help. At least thats what mine does.
by jayk238
Sun Dec 16, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2605

Re: Annoyingly Expensive HP Ink Cartridges

I have an epson that works great. It was the first one that was truly plug and play even setting up wifi was a breeze. Plus it has airprint so no installing software. The printer uses liquid ink which comes in bottles. The i k is pretty cheap the ink comes in packs of 4 for 40 total. Pretty cheap an...
by jayk238
Sat Dec 15, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Bonds stocks commodities etc all declining. What to do?
Replies: 7
Views: 812

Bonds stocks commodities etc all declining. What to do?

This is the great fear people have been clamorong about. What happens when theres little to invest in?

If this is so do we run for the hills and keep cash only or is this a blip. Nytimes says this hasnt happened in decades. So that includes the last financial crisis.
by jayk238
Sun Dec 02, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2583

Re: Affordable Furniture for first adult apartment

You should buy stickley :D Jk. Ikea works but really time consuming and if you are buys not worth the time. I have a lot of ikea furniture. I also have from wayfare and overstock two plsces where you can get cheap stuff too. Walmart is the ultimate in cheapness. We are now slowly switching piece by ...
by jayk238
Sun Dec 02, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5304

Re: Do you get a year end bonus?

My bonus is 60k a year. Its nothing compared to pharm reps -200-800 for the management types, big law, big 4 A, or wall street -million plus for partners
by jayk238
Fri Nov 30, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating price on cosmetic surgery
Replies: 24
Views: 2385

Re: Negotiating price on cosmetic surgery

It appears that cosmetic surgery is such a lucrative money making business. So, why aren’t more doctors cosmetic surgeons? There must be a catch. The ability to become one is incredibly hard. Plastics is the hardest residency to land and maybe one medical student out of an entire class gets it a year
by jayk238
Wed Nov 21, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 14002

Re: Physician Credentials: Offshore vs. American Medical Schools

I am one of those no name doctors who trained at a small community hospital in a rural town. Lol. I dont know too many UCSF internists in my area or any for that matter. Most are probably at ucsf or some major city too busy teaching residents and students instead of day to day practice. Id rather yo...
by jayk238
Mon Nov 05, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3555

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

Generally speaking people who retire from medical practice are not legally liable as long as they didnt retire with a pending case or knowledge of a case or complication.