Search found 429 matches

by jayk238
Thu Sep 13, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3187

Re: How to help teenager fix silly mistakes in math?

Sometimes these types of issues can be due to underlying learning issues-dyslexia, thyroid, etc. no harm in getting tested so she can be treated instead of struggling all her life.
by jayk238
Wed Sep 12, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2570

Re: The Atlantic: 'Why is College In America So Expensive?'

As some have touched on the easy access to debt is a culprit.
But id say its the main one and to exclude it entirely in the article makes no sense. It reeks of agenda seeking.

Not really insightful
by jayk238
Tue Sep 11, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: First time Salary Negotiations
Replies: 23
Views: 2169

Re: First time Salary Negotiations

So I've been at the same employer for 10 years and I am in the process of receiving offers from multiple candidates. Current salary is a simple base + year-end bonus. From the sounds of it, the companies salary structure is a base salary + year-end bonus + a % of driven sales and because of that, I...
by jayk238
Tue Sep 11, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 4581

Re: I found this informative about the next possible crisis

The negativity is a little surprising. I too felt it was informative. Its helpful to know that the system is not rock solid. For an even better and more thought out presentation here is this article in the newyorker: https://www.newyorker.com/magazine/2018/09/17/the-real-cost-of-the-2008-financial-c...
by jayk238
Mon Sep 10, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 4581

I found this informative about the next possible crisis

https://www.bloomberg.com/graphics/2018 ... nd=premium

Via bloomberg.

I think it shows we have inherent risk that is way worse than your standard stock valuations etc. but at least its better than before. Then again, no where to go but up from that point.
by jayk238
Mon Sep 03, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

FiveK wrote:
Sun Sep 02, 2018 2:37 pm
jayk238 wrote:
Sun Sep 02, 2018 12:02 pm
I dont understand anything about backdoor.
After reading the backdoor Roth link provided earlier, what specific questions do you have?
I dont. The google links took me to a scheab calculator which helped. Thanks !
by jayk238
Mon Sep 03, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3150

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

. Whoever made that comparison has no idea what they’re talking about. It's in the Youtube video I posted the link to above. Towards the end if my memory serves me He says that they invest in plenty of small tech companies, it's a conglomerate like Berkshire. Re-read your statement. If you look clo...
by jayk238
Mon Sep 03, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Time required for outgoing wires from Ally Bank
Replies: 17
Views: 974

Re: Time required for outgoing wires from Ally Bank

Weve always taken 3 days to transfer. I think the same say or next day ally refers to is when it will be initiated.
by jayk238
Mon Sep 03, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3150

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

Lot of trolling this labor day.
Where is the popcorn.
This site is better than a movie!
by jayk238
Mon Sep 03, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3544

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

What happens when the music stops? 'When the music's over' (like a famous musician one said -incidentally if it had been Jim Morrison, whom I respect, who had beaten the market I'd have been much less shocked than in the case of the rapper in question) I think the market as a whole goes down, so if...
by jayk238
Mon Sep 03, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3544

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

There are hundreds of millions of investors out there. Many will beat the market. You just can't tell who or why beforehand, and they will have taken greater than normal risk. Take 3,654 investors, have each invest in a different single stock that compromise the holdings of VTI. Someone is going to...
by jayk238
Mon Sep 03, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3544

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

Rising tides lift all boats This is a naive question to ask. It has been answered ad naseum on this forum. Its the same as why does my medical colleague claim to pick biotech winners so well? The economy is doing well and all (i exaggerate!!) stocks good and crap will inevitably rise. What happens w...
by jayk238
Sun Sep 02, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Regardless of whether you do a back door ROTH or not, contribute to the ROTH this year. This gets the 5 year clock going for ROTH conversion. If you do it before Dec 31, you get to count 2018 as the first year of the 5 years. You can still make a ROTH IRA contribution for 2018 until April 15, 2019,...
by jayk238
Sun Sep 02, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Nate79 wrote:
Sun Sep 02, 2018 10:17 am
As others mentioned there is no income limitation for Roth thru the backdoor Roth method.
But arent there pitfalls and vulnerabilities to do that
by jayk238
Sun Sep 02, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 658

Re: Delay in deposits by empower for 401k?

You seem concerned about the timeliness of deposit without really saying why it's bothering you (other than it "should" take less time). Could it be you think you're somehow missing out on the "best" price? It's generally true that investing money sooner than later is better, but not always. Suppos...
by jayk238
Sun Sep 02, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

livesoft wrote:
Sun Sep 02, 2018 10:36 am
jayk238 wrote:
Sun Sep 02, 2018 10:33 am
Got it. So yea Im basically paying a 2k premium- I guess i really want the heated wheel lol
I liked the Limited-style roof rack over the Touring roof rack. Do you see the difference?
No and I am interested in using it now but I dont know the difference. Why is one better than the other
by jayk238
Sun Sep 02, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

Depends on what options you get with limited. Did you get power tilt sliding moonroof? LED steering responsive headlights, high beam assist, reverse automatic breaking. All of these are standard on the touring but are options on limited. Heated steering wheel is ONLY available on touring- which is ...
by jayk238
Sun Sep 02, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

you dont say where you are. or what option packages. truecar says avg is 39.5K. so sure. Touring model doesnt have true packages. Just the baubles like extra mats and other crap. Im out in the midwest. Truecar price isnt otd right? I have bought my last two cars through Costo; are you a member? I a...
by jayk238
Sun Sep 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

Wasn't the head unit just a software upgrade that all the 2018's can get for free? I haven't driven my Outback for even a full tank of gas, but the head unit has not had any problems that I have noticed. As for definition of OTD, the issue is that sales taxes are different in different locales. One...
by jayk238
Sun Sep 02, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

It depends on what you mean by OTD. Does that includes taxes, title, inspection, license, as well as all the other fees? The place to find out if this is a good price is https://www.subaruoutback.org/forums/138-gen-5-2015-2019/158858-msrp-invoice-purchase-price-thread-595.html I don't think it is a...
by jayk238
Sun Sep 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

Ive been emailing and texting a bunch of dealers in my area. Offered 2019 subaru touring for otd $38.3k Whats your view on this price. Any good? Can i do better? No other dealership nearby will match this or come close. Dont know if that means i need to look farther out. This quote is from a place ...
by jayk238
Sun Sep 02, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 658

Delay in deposits by empower for 401k?

From withdrawl on a friday from paycheck to deposit into my 401k by empower i have to wait till wednesday.
Is this normal? Seems like too much time.
Direct deposit too.
by jayk238
Sun Sep 02, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

Re: car buying-subaru outback touring good price?

PFInterest wrote:
Sun Sep 02, 2018 9:30 am
you dont say where you are. or what option packages.
truecar says avg is 39.5K. so sure.
Touring model doesnt have true packages. Just the baubles like extra mats and other crap.

Im out in the midwest.

Truecar price isnt otd right?
by jayk238
Sun Sep 02, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

There is no such thing as making too much for a Roth. You can do a backdoor Roth. The main disadvantage of a backdoor Roth is you have to find something else to humblebrag about. Sorry. Not trying to humblebrag. Net worth is negative 300k and im 32 years. Who knows where my profession is headed pay...
by jayk238
Sun Sep 02, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

Re: How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1371

How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipate...
by jayk238
Sun Sep 02, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 856

car buying-subaru outback touring good price?

Ive been emailing and texting a bunch of dealers in my area. Offered 2019 subaru touring for otd $38.3k Whats your view on this price. Any good? Can i do better? No other dealership nearby will match this or come close. Dont know if that means i need to look farther out. This quote is from a place 3...
by jayk238
Sun Aug 26, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1303

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

Sounds awful. I cant imagine what you are dealing with. Personally, if i would hire a lawyer expert in this field and take them to court.
by jayk238
Sat Aug 25, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5099

Re: Do you go for annual Medicare preventive tests and screening?

Since not wanting to take a statin was the reason I got fired from my last PCP... The idea that a physician would fire a patient over not wanting to take a drug is incomprehensible to me. Surely this is not common.... Right.. I suspect there is more to the full story! Well, you would have to ask th...
by jayk238
Sat Aug 25, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 8636

Re: Costco Kirkland Brand Liquor

Sorry but when they sell a macallan 18 next to a kirkland im always going for the macallan.
by jayk238
Fri Aug 24, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3007

Re: Healthcare Careers

I am a nurse. https://www.nationalnursesunited.org/press/nurses-top-gallup-poll-most-trusted-profession-16-years-running become a RN-BSN, go back to school for two years, and be a nurse practitioner. Correct me if I'm wrong, but doesn't an NP require a PhD program now? No this is not a phd. Though ...
by jayk238
Fri Aug 24, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3007

Re: Healthcare Careers

gasdoc wrote:
Fri Aug 24, 2018 6:37 pm
Though not exactly the answer to the question above, CRNA’s make $150K to $250K in our practice.

Gasdoc
250?
Seems insane that crnas can make more than doctors.
by jayk238
Fri Aug 24, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3007

Re: Healthcare Careers

What is the average np salary ?
What can a highly productive np make-ie higher end?
by jayk238
Wed Aug 22, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6592

Re: PCP Wants Full Charge Up Front

This is becoming more common. There are too many deadbeats out there who don't pay their bills. An ever increasing bad debt line can really hurt a private practice. I don't have a problem with it. Keep in mind, no one complains when the dentist makes you pay up front (which most have done for ever!...
by jayk238
Wed Aug 22, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6592

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

We have a health care charting system that patients access immediately and have everything available within their phones. They can call me anytime, message me any time and I can respond to them readily. Just out of curiosity, do you ever get frantic phone calls from patients because their BUN is "l...
by jayk238
Tue Aug 21, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6592

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

I work at a hospital system that does a tremendous job working for the patients IMO basically all the patient issues we have are discussed upfront regarding costs. Patients are told to call their insurance and discuss cost of the healthcare they are receiving. If they do not know what the cost is we...
by jayk238
Tue Aug 21, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6592

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Speaking of high deductible plans... you can't do the opposite which is get a price up front which drives me nuts. Go to doctor, find out weeks later what you owe for some procedure. It's f-ing nuts! If you want me to pre-pay $120, then that should be the max possible you owe and I'd be fine with t...
by jayk238
Tue Aug 21, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6592

Re: PCP Wants Full Charge Up Front

This is becoming more common. There are too many deadbeats out there who don't pay their bills. An ever increasing bad debt line can really hurt a private practice. I don't have a problem with it. Keep in mind, no one complains when the dentist makes you pay up front (which most have done for ever!...
by jayk238
Tue Aug 21, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: 403b rules and advice
Replies: 8
Views: 496

Re: 403b rules and advice

My 2 cents- Generally 457b are not protected assets. Meaning that the company owns all the money until you leave or retire. So if they merge bankrupt indebted they own and can use those assets. Whereas if its offered via government-ie academic institution then they are generally a good choice and of...
by jayk238
Sun Aug 19, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5099

Re: Do you go for annual Medicare preventive tests and screening?

Im so sorry u guys have to be so involved in this. I just started my practice but thankfully my employer is well aware of these inconsistencies and makes sure the patients and front staff both are aware of what is free and what isnt and how to set it up. I am very grateful for this because i had no ...
by jayk238
Sun Aug 19, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2507

Re: Info on Al-Farabi Kazakh National University

It sounds like a terrible plan. I am appealed at the methods westerners/americans (even first generation) invent to inject some "adventure" in their lives ending with no adventure but years of setbacks. How is destroying ones' best years in life in some no name university in a dictatorship next to ...
by jayk238
Sun Aug 19, 2018 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 34501

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

In the optival world you get what you pay for. The grinding and lens manufacturerss matter greatly and these are not easily automated. I tried warby parker and their lens quality w artefact and aberration are not good. I used sears for years ans delt same way. I now use an austrian brand thats sold ...
by jayk238
Sun Aug 19, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2507

Re: Info on Al-Farabi Kazakh National University

I cant believe there are people remotely supporting going to this country for an education. OP please dont so this. Please dont. Just say no.
by jayk238
Sat Aug 11, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: PSLF and FedLoan Reporting Accrued Interest
Replies: 2
Views: 247

Re: PSLF and FedLoan Reporting Accrued Interest

Good to know.
Im pretty sure this happened to me last year, I just assumed it was Business as usual

Not sure what else to do but pay it off quickly :/

My plan is to pay off within 3 years
by jayk238
Wed Aug 08, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4107

Re: radon mitigation exposure concern, are we at risk?

Thanks!

This is why i love this site.

Signal thru the noise.
by jayk238
Mon Aug 06, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4107

radon mitigation exposure concern, are we at risk?

We are renting a home and about say 50 yards from us is another home with a radon mitigation system- basically a PVC pipe that is about 16 to 20 feet above and venting out radon. Is this safe for us? Its a bit unnerving because the pipe opening is facing us but obviously its closest to them. What co...
by jayk238
Sat Aug 04, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1751

Re: Good biotech funds

Don’t have domain knowledge but I find CRSP facinating — the gene editing tech, not the company. As mentioned $IBB for established companies, $XBI if you want an oomph, $LABU for the fix. Disclosre: Short $XBI puts NR Crsp is losing interest amongst the texhnical intelligentsia. Its less useful.