Search found 604 matches

by jayk238
Tue Sep 10, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 68
Views: 7332

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

Simple but sobering. It also means that if you can eliminate or at least mitigate costs - looking at what you need to save vs. what you lose by giving it up - you can make some practical decisions. I'd rather use Mint and pay $45/month including taxes for 2 lines, even if the service isn't as relia...
by jayk238
Tue Sep 10, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 68
Views: 7332

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

I know that this is something very simple, but it still kind of amazes me. Perhaps it will help someone, especially someone who isn't a Boglehead and potentially already aware of such things, to see how much of an impact expenses in retirement make on their needed portfolio size. Assuming 4% portfo...
by jayk238
Fri Sep 06, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal Physician Jobs
Replies: 8
Views: 923

Re: Federal Physician Jobs

I'm a bit unclear on physician jobs with the federal government. The job listing would say something like salary is $130,000-240,000. Even at the maximum, it seems below market for this specialty. Is it possible for physicians to get higher salaries than the listed maximum, or is that a hard limit?...
by jayk238
Fri Sep 06, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal Physician Jobs
Replies: 8
Views: 923

Re: Federal Physician Jobs

Liability is the primary benefit.
by jayk238
Mon Aug 26, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9862

Re: The cost to talk to a doctor

Overseas MD access is inevitable. Corporations are excellent at nudging you that way. The can say - overnight Doctors only overseas - your language, only overseas - lower copay, only overseas - certain speciality, only overseas - lower wait time, only overseas. And finally, if you have no insurance...
by jayk238
Mon Aug 26, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121259

Re: What frugal thing did you do today?

Dropped my weight by 16 lbs over the past year. My bmi is < 25 now. Reduced my risk of heart disease diabetes and risk for falls fractures osteoporosis improved my mobility and general well being. What better way to be frugal than to eat less and reduce future healthcare costs?
by jayk238
Mon Aug 26, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication first? There have been plenty of instances in which a new drug has later been shown to not be any more effective than an old drug, but the newer drugs ...
by jayk238
Sun Aug 25, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

Im an internist and most often the comment i receive from patients is that i am more up to date and aware of recent therapies than experienced docs. Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication fi...
by jayk238
Sun Aug 25, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication first? There have been plenty of instances in which a new drug has later been shown to not be any more effective than an old drug, but the newer drugs ...
by jayk238
Sun Aug 25, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

Im an internist and most often the comment i receive from patients is that i am more up to date and aware of recent therapies than experienced docs. Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication fi...
by jayk238
Sat Aug 24, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

Im an internist and most often the comment i receive from patients is that i am more up to date and aware of recent therapies than experienced docs. Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication fi...
by jayk238
Sat Aug 24, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

A part of the "quality" of a Physician, in my opinion and experience, is how well or how poorly he/she communicates (both directions) with patients. I believe ( just my opinion and experience) this "communication" with patients is more important for Primary Care Physicians. I believe female Physici...
by jayk238
Sat Aug 24, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

I'm a new doc and I have to say, personally I generally advise my family members to seek someone with around 15 years experience, particularly if it's in a procedure based specialty. At 15 yrs a doc is young enough to be familiar with newer technologies but experienced enough to, well, know what th...
by jayk238
Fri Aug 23, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

I'm a new doc and I have to say, personally I generally advise my family members to seek someone with around 15 years experience, particularly if it's in a procedure based specialty. At 15 yrs a doc is young enough to be familiar with newer technologies but experienced enough to, well, know what th...
by jayk238
Fri Aug 23, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

I'm a new doc and I have to say, personally I generally advise my family members to seek someone with around 15 years experience, particularly if it's in a procedure based specialty. At 15 yrs a doc is young enough to be familiar with newer technologies but experienced enough to, well, know what th...
by jayk238
Fri Aug 23, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6278

Re: Physician quality and experience

I rely heavily on where the doc did residency for my choices. That really depends on what you rely on. If its based on name then often it doesnt necessarily translate into real clinical acumen. If its for a rare condition then maybe. If its about whether they are competent then the smaller programs...
by jayk238
Wed Aug 21, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17791

Re: White collars- How much is your work downtime?

Accountant here. I estimate my work downtime by about 50-60%. It has been like that through my whole career (a lot of employers - 19 years so far) with few exceptions/days. Is that normal? Or should I keep looking till I find an employer who can utilize more of my time? Wish i had that kind of time...
by jayk238
Sun Aug 18, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3299

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

Is it an unpleasant place to live/visit, again compared to the rest of Western Europe? Or is it because there is not much economic activity going on in that area? If the latter, I suppose it is a nice place to live if you don't need to work or if you can work remotely. Ive been to europe several ti...
by jayk238
Sun Aug 18, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 5962

Re: How to read (and retain)?

Theres too much of the quick learning fad in todays society. Im around your age and I experieNced it since was in Middle School when one of the classmates announced that studying for a test was tantamount to cheating because learning material should happen only in the classroom and quickly. Nothing ...
by jayk238
Wed Aug 14, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Going to switzerland in a month-any final advice?
Replies: 12
Views: 898

Re: Going to switzerland in a month-any final advice?

Grt2bOutdoors wrote:
Wed Aug 14, 2019 8:05 am
Are you into chocolate? Perhaps a side trip to Nestle chocolate factory?
Where?
by jayk238
Wed Aug 14, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Going to switzerland in a month-any final advice?
Replies: 12
Views: 898

Going to switzerland in a month-any final advice?

Our itinerary has been set. Wife planned us at strausburg france, basel, w day trips to geneva and lucern, Interlaken w trips to all the amazing hiking/mountain areas-4 days, laussane, w trips to gruyere montreaux etc. We will be doing the swiss travel pass. We did a cost analysis and it came out on...
by jayk238
Tue Aug 13, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18637

Re: Are you a "solo ager?"

... Hypothetically, if you are alone as you age and do become demented and on your own pass away sooner- what difference will this make ? Loss of cognitive ability is not loss of emotion, nor loss of the feeling of physical pain or pleasure. On a personal note, the idea of being dead does not bothe...
by jayk238
Tue Aug 13, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18637

Re: Are you a "solo ager?"

Hypothetically, if you are alone as you age and do become demented and on your own pass away sooner-what difference will this make? It's not the death. It's the dying. Death occurs and it is done. Dying can happen quickly or slowly. Dying can be peaceful or painful. I think most people are worried ...
by jayk238
Tue Aug 13, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18637

Re: Are you a "solo ager?"

There are tragic situations. However, there is a lot of marketing of “cognitive decline,” and as we age we’ll find relatives ( some disinterested but others with an agenda), medical professsionals, and financial advisors or would-be advisors seeking to pry control of assets away from the earners of...
by jayk238
Mon Aug 05, 2019 7:14 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8659

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Are we all seriously concerned about chasing .2- .24% points? Thats about 240 dollars in 100,000 invested!
by jayk238
Thu Aug 01, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9781

Re: Bloomberg: Forget Tech, Medicine Still Pays More

Doctors dont go into it for the money. Not one student classmate of mine goes into it thinking about the money. Yeah we do. I'd estimate that at least half my med school class was in it primarily for monetary purposes. I don't think there's anything wrong with that. There's nothing special about do...
by jayk238
Thu Aug 01, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9781

Re: Bloomberg: Forget Tech, Medicine Still Pays More

Most medical specialties make between 200-300k after many more years of education and training. A software engineer can hit 200k with just a bachelors. There is some major overestimation of tech salaries. Most software engineers never hit $200k, and certainly not with only a bachelor's degree. The ...
by jayk238
Wed Jul 31, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1533

Re: Travel German alpine and Swiss Alp. Please review

I have posted this on bimmerfest, but since there are so many well traveled folks here, I thought I might also get good feedback here. We will be doing a European Delivery for a BMW. We will pick up the car in Munich and drop it off in Zurich. Please review my initerary. We are most interested in s...
by jayk238
Fri Jul 26, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Where should I bank for an account only meant for expenses?
Replies: 10
Views: 785

Re: Where should I bank for an account only meant for expenses?

I want to open an account at NOT Schwab, Vanguard, or Fidelity, as I already have accounts with them and want to keep the statements separate for my expenses. My intention for this account is to deposit a monthly fixed amount and use that cash to pay for all my expenses that are not investment rela...
by jayk238
Sun Jul 21, 2019 8:25 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 20921

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Hello All I'm new to money market accounts and need your advice. I have the following questions. 1. How do I calculate the interest rate for money market account ? For example Vanguard prime money market fund (VMMXX) SEC yield 2.11% C Compound yield 2.13% ? 2. I have around $40,000 emergency fund i...
by jayk238
Mon Jul 15, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4798

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: 4455

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: 4455

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: 4455

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: 1017

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: 3143

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: 3143

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: 2113

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: 2113

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: 2113

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: 2113

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: 2113

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: 2113

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: 2441

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: 1813

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: 1345

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: 1152

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: 4907

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: 4907

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...