Search found 901 matches

by jayk238
Fri Jun 16, 2023 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Re: Can I afford this home?

KFBR392 wrote: Fri Jun 09, 2023 12:42 pm Your choices aren't limited to "rent a tiny apartment" or "buy $1 million home." The best plan is paying off the debt and renting for a few years. You can rent a house with a yard if you feel that part is essential. You're not handy so any issues that pop up are the landlord's problem and you're not tied down to a property while you acclimate to a new city. With no debt and a high income, you should accumulate savings very fast.

Based on your comments it's unclear if your wife will return to lawyering in a few years or remain a stay-at-home mom? That could affect things too. If you buy a house you can probably make it work but it's not something I would do.
The average rental is 40k a year. Is that rlly worth it?
by jayk238
Fri Jun 09, 2023 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Re: Can I afford this home?

Doc I think you need to clean up your vehicle debt and student loans before you spend $1M on a new home. You have a great income but not much cash once you zero out the car debt (or sell it) and pay off the student loans in full. I'd rent for 2-3 years, become completely debt free and build up a nice 20-30%+ down payment and then buy your $1M home. I just built a new home myself for $1M and though it seemed extravagant I paid cash for it so I was fairly certain I could afford it. The 250 i would put in is 27%. Are you saying i should pay the student loans and car first? Why? Because you need to clean up the mess you made before you add more debt. A $1M house is not basic housing - it's a luxury purchase. Otherwise, you are borrowing on you...
by jayk238
Wed Jun 07, 2023 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Re: Can I afford this home?

You may want to take a hard look at your finances. According to your previous "Can we afford this home?" thread from Oct 2021 (https://www.bogleheads.org/forum/viewtopic.php?p=6275753), your net worth (excluding your home and including only your wife's student loan) was about $214k. Now your net worth (again, excluding your home and including only your wife's student loan) is about $230k. An increase of just $800/month. In January 2021 you said the student loan debt was down to $60k from $198k two years before (and implied you intended to pay it off in full by early 2024), but now you say the student loan debt is $140k?? Did you incur new student loan debt since 2021? If not, how is today's balance owed significantly higher than ...
by jayk238
Wed Jun 07, 2023 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Re: Can I afford this home?

AlaskaTeach wrote: Wed Jun 07, 2023 12:24 pm I saw I, I, I a bunch of times and was about to suggest as a single person you could do a lot worse things than to just take the profit and get out of debt.

I mean totally out of debt!

Then start over at 0.

Rent a small place, live way below your means, save like a crazy person for 3-4 years and assuming the raises you list, you could be a young millionaire! Then pay cash for a very nice place in 4 years.

But then I saw a very small "we" at the end of your post, so I must assume there is a princess/prince there to consider?
Lol. I got a wife. A 10 month old 2 100 lb dogs ea and 2 cats :) :) :)
by jayk238
Wed Jun 07, 2023 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Re: Can I afford this home?

HMSVictory wrote: Wed Jun 07, 2023 12:16 pm Doc I think you need to clean up your vehicle debt and student loans before you spend $1M on a new home.

You have a great income but not much cash once you zero out the car debt (or sell it) and pay off the student loans in full.

I'd rent for 2-3 years, become completely debt free and build up a nice 20-30%+ down payment and then buy your $1M home.

I just built a new home myself for $1M and though it seemed extravagant I paid cash for it so I was fairly certain I could afford it.
The 250 i would put in is 27%. Are you saying i should pay the student loans and car first? Why?
by jayk238
Wed Jun 07, 2023 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this home?
Replies: 35
Views: 4220

Can I afford this home?

Moving to new state. Vhcol area. I currently am moving from lcol. This is a upgrade or career booster. Salary is at 276k starting. There is a lot of upside. Could make anywhere from 350-450 within a year or two. I am in an outpt setting as a physician. The current home costs 200k mortgage. We sold -contract- for 380. I anticipate at least 150k take home. I have 100k in cash savings. 90k in checking. 10k bonds 20k in another online bank 20k stock 180k 401k 5 years at my current job (5 years out of residency) I have one car loan at 2% on 50k. 5 year. The other one is paid off. 140k student debt -i pay about 12k a year on this. (2.8%) interest. The home im looking at is 925k. I plan to put 100k cash plus the 150k on the sale of this house. Int...
by jayk238
Thu Jan 27, 2022 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a $1.3M house in Northern Virginia
Replies: 26
Views: 3886

Re: Purchasing a $1.3M house in Northern Virginia

Im in a similar position as a physician. My current guaranteed income is 250 -likely to be come 300. I currently make 330 likely to become 400. Nothing near what you do (but then my hours and stress as a pcp are a lot less).

Id recommend ONLY buying a home at your lowest anticipated income. If thats 200 or 300 then that should be your basis.
by jayk238
Mon Jan 24, 2022 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651057

Re: U.S. stocks in free fall

If a tree falls in a forest…

If the market falls and you dont sell…
by jayk238
Mon Jan 24, 2022 7:30 am
Forum: Personal Consumer Issues
Topic: Favorite Productivity "Systems," Apps, etc.
Replies: 30
Views: 3164

Re: Favorite Productivity "Systems," Apps, etc.

If its work related i get it done as soon as i can.

For non work stuff- the wife deals with it :)
by jayk238
Sat Jan 22, 2022 1:21 pm
Forum: Personal Consumer Issues
Topic: Aerospace Engineering as a college major
Replies: 82
Views: 7757

Re: Aerospace Engineering as a college major

You obviously dont understand the aerospace business. The only pilots that matter for flight design are the ones who are involved in testing. If youre a test pilot thats great but even they are far and few in between with engineering backgrounds. Better off going to. Top public school like penn state and purdue w an engineering degree. Did you get your law degree from a flight school? I think not. It is not a coincidence that many of the top aerospace engineering schools schools in the country also have flight programs. (Purudue, UND, Embry Riddle, etc.) Per Perdue's website: "Purdue offers a bachelor’s degree in professional flight that provides you with a larger perspective of the aviation industry. Your classes range from how an ai...
by jayk238
Sat Jan 22, 2022 11:29 am
Forum: Personal Consumer Issues
Topic: Aerospace Engineering as a college major
Replies: 82
Views: 7757

Re: Aerospace Engineering as a college major

I'd pick up professional pilot credentials as well as an aerospace engineering degree from a school like Embry Riddle or University of North Dakota. High demand profession, high barriers to entry, and high earning potential with a job you park at the gate and don't take home with you. Starting salary in the 70k range, easy six figures after a couple of years with captain upgrade, and seven figure potential. Most pilots fly around 80 hours a month. Definitely not. Two separate areas altogether. Its like saying drive uber while being a mech e. Yes flying pays more but the pilot needs to focus on piloting. They engineer learns and focuses on learning and doing engineering. Not much overlap. I disagree. There is an intersection of theory and p...
by jayk238
Sat Jan 22, 2022 11:28 am
Forum: Personal Consumer Issues
Topic: Aerospace Engineering as a college major
Replies: 82
Views: 7757

Re: Aerospace Engineering as a college major

I'd pick up professional pilot credentials as well as an aerospace engineering degree from a school like Embry Riddle or University of North Dakota. High demand profession, high barriers to entry, and high earning potential with a job you park at the gate and don't take home with you. Starting salary in the 70k range, easy six figures after a couple of years with captain upgrade, and seven figure potential. Most pilots fly around 80 hours a month. Definitely not. Two separate areas altogether. Its like saying drive uber while being a mech e. Yes flying pays more but the pilot needs to focus on piloting. They engineer learns and focuses on learning and doing engineering. Not much overlap. I disagree. There is an intersection of theory and p...
by jayk238
Sat Jan 22, 2022 9:41 am
Forum: Personal Consumer Issues
Topic: Aerospace Engineering as a college major
Replies: 82
Views: 7757

Re: Aerospace Engineering as a college major

Nephew is thinking about majoring in AE. He has been accepted at some of the big 10 schools in the Midwest, and waiting on results from the more selective schools in Boston, Pasadena, Bay Area, and Atlanta. I have reservations about AE as a college major, primarily because I believe opportunities are limited compared to, for example, electrical engineering or computer science. (This assumes, of course, he does not dislike EE or CS and he can be equally as good in either. I am certain he doesn't dislike EE or CS and he will be a better EE or CS major.) I talked to him about it a while back but, at the time, he seemed set on AE. I want to talk to him one last time and layout the pros and cons, just to make sure he has/had full information wh...
by jayk238
Sat Jan 22, 2022 9:38 am
Forum: Personal Consumer Issues
Topic: Aerospace Engineering as a college major
Replies: 82
Views: 7757

Re: Aerospace Engineering as a college major

Outer Marker wrote: Fri Jan 21, 2022 12:54 pm I'd pick up professional pilot credentials as well as an aerospace engineering degree from a school like Embry Riddle or University of North Dakota. High demand profession, high barriers to entry, and high earning potential with a job you park at the gate and don't take home with you. Starting salary in the 70k range, easy six figures after a couple of years with captain upgrade, and seven figure potential. Most pilots fly around 80 hours a month.
Definitely not. Two separate areas altogether. Its like saying drive uber while being a mech e.

Yes flying pays more but the pilot needs to focus on piloting. They engineer learns and focuses on learning and doing engineering. Not much overlap.
by jayk238
Tue Jan 11, 2022 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

If you ask any questions about anything medical during your physical exam, the visit is billed as a regular office visit, which is subject to a co-pay (in addition to the billing as a physical exam). Ridiculous and outrageous, yes. But that's what the law -- or loophole in the law -- provides. If you want to have a co-pay free physical exam, say nothing except pleasantries while being examined. Ridiculous. Outrageous. But, that's the way it works. Its not a loophole. Its not outrageous. If we dont do it this way its medicare fraud. UNDER billing is considered fraud. Believe it or not pple get in trouble for this. I didn't say it wasn't legal. I never suggested to commit fraud. The existing law in this case is outrageous and ridiculous. But...
by jayk238
Tue Jan 11, 2022 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

If you ask any questions about anything medical during your physical exam, the visit is billed as a regular office visit, which is subject to a co-pay (in addition to the billing as a physical exam). Ridiculous and outrageous, yes. But that's what the law -- or loophole in the law -- provides. If you want to have a co-pay free physical exam, say nothing except pleasantries while being examined. Ridiculous. Outrageous. But, that's the way it works. I used to be a civilian primary care. Now I work for the military. But annual visit was always only preventive visit. Which means keeping up with your screening tests, ordering appropriate labs and going over your medical history to see which problems need to be better addressed on following appo...
by jayk238
Tue Jan 11, 2022 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

chet96 wrote: Tue Jan 11, 2022 8:48 am
prioritarian wrote: Mon Jan 10, 2022 5:49 pm

It also helps to know what is and is not preventative care according to the law:

https://www.healthcare.gov/preventive-care-adults/

Every single one of my preventative care visits and all associated tests have been free since the ACA bill passed (the ACA law reformed patient rights for everyone who is insured).

Thanks for this. Does anyone know the limitations regarding cholesterol screening? I seem to remember calling, and hearing that only a Total Cholesterol test and not the "panel" is covered (where LDL, HDL, Triglycerides are broken out).
No. The lipid panel that shows ldl hdl etc is covered. The extended panel which shows vldl and other nonsense is useless and not covered.
by jayk238
Tue Jan 11, 2022 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

It also helps to know what is and is not preventative care according to the law: https://www.healthcare.gov/preventive-care-adults/ Every single one of my preventative care visits and all associated tests have been free since the ACA bill passed (the ACA law reformed patient rights for everyone who is insured). Thanks for this. Does anyone know the limitations regarding cholesterol screening? I seem to remember calling, and hearing that only a Total Cholesterol test and not the "panel" is covered (where LDL, HDL, Triglycerides are broken out). A lipid panel that measures all three is covered but specific tests which distinguish between subtypes are not. For diabetes screening, a (fasting) glucose test is covered but not an A1C. A...
by jayk238
Tue Jan 11, 2022 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

If you ask any questions about anything medical during your physical exam, the visit is billed as a regular office visit, which is subject to a co-pay (in addition to the billing as a physical exam). Ridiculous and outrageous, yes. But that's what the law -- or loophole in the law -- provides. If you want to have a co-pay free physical exam, say nothing except pleasantries while being examined. Ridiculous. Outrageous. But, that's the way it works. Its not a loophole. Its not outrageous. If we dont do it this way its medicare fraud. UNDER billing is considered fraud. Believe it or not pple get in trouble for this. I didn't say it wasn't legal. I never suggested to commit fraud. The existing law in this case is outrageous and ridiculous. But...
by jayk238
Mon Jan 10, 2022 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Annual medical visit - insurance (rant warning)
Replies: 82
Views: 8965

Re: Annual medical visit - insurance (rant warning)

samsoes wrote: Fri Jan 07, 2022 8:35 pm If you ask any questions about anything medical during your physical exam, the visit is billed as a regular office visit, which is subject to a co-pay (in addition to the billing as a physical exam). Ridiculous and outrageous, yes. But that's what the law -- or loophole in the law -- provides.

If you want to have a co-pay free physical exam, say nothing except pleasantries while being examined.
Ridiculous.
Outrageous.
But, that's the way it works.
Its not a loophole. Its not outrageous. If we dont do it this way its medicare fraud. UNDER billing is considered fraud. Believe it or not pple get in trouble for this.
by jayk238
Sun Jan 09, 2022 5:26 pm
Forum: Personal Consumer Issues
Topic: Bug/spy camera/tracker sweepers
Replies: 55
Views: 5234

Re: Bug/spy camera/tracker sweepers

So do you think a hand held device is better for the purpose? Wouldn’t a person have their cell phone with them anyway? So why not duel purpose. I think any scheme that doesn't involve turning off your phone and leaving it at home is bound to not accomplish what you want. You're solving the 1% problem, and ignoring the 99% problem. The problem of this thread is to sweep for bugs, spy cameras, and tracking devices. So for a random example: You move into a new apartment or house and want to make sure there's no spy cameras, or you want to find out where all the building cameras are, if any. Maybe turning off your phone or leaving it at home would cut down on interference, and then a separate hand held device would work better? You hire a pro...
by jayk238
Sun Jan 09, 2022 5:24 pm
Forum: Personal Consumer Issues
Topic: Bug/spy camera/tracker sweepers
Replies: 55
Views: 5234

Re: Bug/spy camera/tracker sweepers

Electronic sweepers for: Bugs Spy cameras Tracking devices Any experience with these? Would they be handy for moving into a new home, checking the car, using public restrooms, hotel stays, etc. I’ve seen them for $25 and up and wondering if a purchase would be worthwhile. My dad was like this. He had undiagnosed mental health issues. Dont go down this road. Get help. Not on bogleheads. What are you talking about? Paranoia? If someone is looking over their shoulder everywhere all the time would they need to sweep? And if they're imagining danger, would a sweeping device help them verify it?. Maybe for paranoia a sweeping device would actually benefit them by pointing out their delusions? Actually no. Because my dad decided that the guy he b...
by jayk238
Sun Jan 09, 2022 4:23 pm
Forum: Personal Consumer Issues
Topic: Bug/spy camera/tracker sweepers
Replies: 55
Views: 5234

Re: Bug/spy camera/tracker sweepers

tetractys wrote: Fri Jan 07, 2022 10:42 pm Electronic sweepers for:
Bugs
Spy cameras
Tracking devices

Any experience with these? Would they be handy for moving into a new home, checking the car, using public restrooms, hotel stays, etc.

I’ve seen them for $25 and up and wondering if a purchase would be worthwhile.
My dad was like this. He had undiagnosed mental health issues. Dont go down this road. Get help. Not on bogleheads.
by jayk238
Sat Jan 08, 2022 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $750K House?
Replies: 56
Views: 8307

Re: Can I afford a $750K House?

Wife and I are in Nashville,TN after a brief hiatus in another part of the country. We lived here for over a decade before - so we know the area well and are confident that this is where we want to be. Currently renting with a lease end date in late April - thus we are gearing up to purchase. My question to the board - is $750K too much house for us? And if $750K is too much, then what should our budget be? Relevant details below: Me: Age- 31 yrs old Profession - Head of Operations for a start-up (business fundamentals are solid, Series A in the Spring seems a lock, but investment/valuation TBD) Salary - $130K (will likely move to $150k after Series A based on conversations with CEO - but we can use $130K as a conservative figure) Bonus - ...
by jayk238
Fri Jan 07, 2022 6:16 am
Forum: Personal Consumer Issues
Topic: Experience/thoughts on Apple Fitness?
Replies: 12
Views: 1343

Re: Experience/thoughts on Apple Fitness?

I just got an Apple Watch recently (I LOVE it! -- way more useful than I ever imagined) and I'm now seeing advertisements for Apple Fitness, which I hadn't heard of before. Coincidently, I'm interested in developing a regular at-home fitness routine. I searched the forum and found only very few passing remarks. Have any Bogleheads tried Apple Fitness and would be willing to share their thoughts? Thanks! Its great for starting out. If you are a serious exerciser it is useless. I bought a concept 2 rower and tread mill 2021 february. I workout 6 days a week. At first the tread workouts seemed awesome. I used the videos 3 times a week and thought the data i recorded was great. After about 6 mo i realized that the variety they bragged about is...
by jayk238
Fri Jan 07, 2022 6:08 am
Forum: Personal Consumer Issues
Topic: Experience/thoughts on Apple Fitness?
Replies: 12
Views: 1343

Re: Experience/thoughts on Apple Fitness?

Just picked up a basic rower and spin bike at Costco and intend on using Fitness+ with them. I think they have a really good program if you're inside the Apple ecosystem. Some will say that Peloton is better but I think F+ is definitely good enough for the price. Plus you can buy any old equipment as long as you already have a watch and iPhone. Our plan is to install a TV on the wall with a spare AppleTV we have lying around. That said most TVs have Apple TV built in and can stream from a phone. You just don't get your stats on the screen unless it's with an actual AppleTV box. I'm not sure I'd buy a box just for that when the videos and music are really what it's all about. One more note about Peloton vs F+: Apple is way more "feel g...
by jayk238
Fri Jan 07, 2022 6:07 am
Forum: Personal Consumer Issues
Topic: Disney experience
Replies: 301
Views: 26008

Re: Disney experience

stan1 wrote: Tue Dec 28, 2021 1:12 pm
jayk238 wrote: Tue Dec 28, 2021 1:09 pm Whether its diagon alley on universal park or the star wars theme prk at disney, the videos we saw on youtube leave a lot to be desired. I havent been to either in 15 years.

Theres only so much of a simulcrum you can create.

For the real thing go to lake como or a train tour or river cruise in europe. For the same price but a better experience you can have a lot better value. If you want thrills local theme parks are better for the price.
How old are your kids? Maybe you have grandkids? Do the grandkids want to go to Disney[land/world] or Lake Como?
No kids…yet. One on the way. Im 35:)
by jayk238
Tue Dec 28, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: Disney experience
Replies: 301
Views: 26008

Re: Disney experience

Whether its diagon alley on universal park or the star wars theme prk at disney, the videos we saw on youtube leave a lot to be desired. I havent been to either in 15 years.

Theres only so much of a simulcrum you can create.

For the real thing go to lake como or a train tour or river cruise in europe. For the same price but a better experience you can have a lot better value. If you want thrills local theme parks are better for the price.
by jayk238
Sat Dec 11, 2021 2:04 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 122
Views: 14294

Re: Best nonstick pans?

Buy a steel pan. We own all clad. Lighter than matfor bourgett. The all clad is a small fortune but we are going strong several years. W proper care including seasoning no issues. Also, we use barkeeper scrub which takes care of any cleaning issues.
by jayk238
Mon Nov 29, 2021 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Very high earners ($400k+), how did you do it?
Replies: 563
Views: 63190

Re: Very high earners ($400k+), how did you do it?

Im a PCP

Not yet at 400. 3 years in tho ive been promoted from 255 to 346k now. Theres a good chance in another 3 years ill hit 400. Most of this is god willing, luck, and admin roles.

Oh and i work about 60+ hrs a week including wknds :)
by jayk238
Sun Nov 28, 2021 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Computer science as a college major
Replies: 146
Views: 10307

Re: Computer science as a college major

I have a PhD in computer science but I was absolutely delighted when my younger daughter picked math as her major rather than CS. Just my opinion based on my experience (moistly in CS research): programming can be picked up on your own at a later stage but there is no substitute for studying math when you are younger. Also, some of the most exciting parts of the computing field like quantum computing and machine learning are highly mathematical in nature. The problem with majoring in math is transferring that to jobs. While math majors can do a variety of tasks, there is no clearly defined path. The student has to be a bit creative to define her/his path to find a job. (Talking from my own experience.) I suspect it is easier now with all k...
by jayk238
Sun Nov 28, 2021 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Computer science as a college major
Replies: 146
Views: 10307

Re: Computer science as a college major

Personally i think the broadest or the most challenging foundation is what makes the field today remunerative.

Many cs majors did well because of how new it was.

Im not sure how useful it is today.

Id say applied mathematics, or engineering like computer and electrical, would be your best bet as a foundational tool.

Cs may limit him and lead to harder employment opportunities.

Of course if he can apply himself he can work anywhere w any degree. Even english.
by jayk238
Fri Nov 26, 2021 7:34 am
Forum: Personal Consumer Issues
Topic: OLED TV alternative
Replies: 78
Views: 8094

Re: OLED TV alternative

bubbadog wrote: Fri Nov 26, 2021 7:00 am
jayk238 wrote: Thu Nov 25, 2021 10:17 pm
invest4 wrote: Sun Nov 21, 2021 8:24 pm I would like the LG OLED (77 inch)...but yah, expensive and I can not bring myself to do so.

I looked into the TCL last year, but was turned off by the panel problems (lottery as to whether you get a good one or not). I have no idea if it has improved.
If u can u should do it. I went ahead with the plunge. Love every minute of it.
My kids liked our new 77 inch OLED so much, I couldn't always use it when I wanted. I ended up getting a second one. The picture quality is outstanding. LCD TVs really don't compare.
I agree. 👍
by jayk238
Thu Nov 25, 2021 10:17 pm
Forum: Personal Consumer Issues
Topic: OLED TV alternative
Replies: 78
Views: 8094

Re: OLED TV alternative

invest4 wrote: Sun Nov 21, 2021 8:24 pm I would like the LG OLED (77 inch)...but yah, expensive and I can not bring myself to do so.

I looked into the TCL last year, but was turned off by the panel problems (lottery as to whether you get a good one or not). I have no idea if it has improved.
If u can u should do it. I went ahead with the plunge. Love every minute of it.
by jayk238
Thu Nov 25, 2021 10:02 pm
Forum: Personal Consumer Issues
Topic: OLED TV alternative
Replies: 78
Views: 8094

Re: OLED TV alternative

invest4 wrote: Sun Nov 21, 2021 8:24 pm I would like the LG OLED (77 inch)...but yah, expensive and I can not bring myself to do so.

I looked into the TCL last year, but was turned off by the panel problems (lottery as to whether you get a good one or not). I have no idea if it has improved.
If u can u should do it. I went ahead with the plunge. Love every minute of it.
by jayk238
Wed Nov 17, 2021 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone spend extended time overseas - How do you handle the logistics and finances?
Replies: 40
Views: 3808

Re: Anyone spend extended time overseas - How do you handle the logistics and finances?

I plan on doing the same. Here's my plan: A) Healthcare: paying for a ACA plan for healthcare domestically, and a international travel plan while traveling. B) Housing and Car: I don't want the hassle of maintaining a residence or car in the US, so I will give up my residence and either sell the car or leave it with family. I do plan on maintaining domicile either in FL or SD. I will primarily AirBnB places overseas for 1-3 months at a time. C) Banking is where it's a little tricky. I am planning on doing a multi bank approach, primarily to have a plan if a bank raises a stink over me not being the US, a debit card is lost/stolen, etc. The bulk of my money will be in a IRAs at Vanguard with automatic monthly withdrawals. My brokerage accou...
by jayk238
Thu Nov 11, 2021 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Anyone spend extended time overseas - How do you handle the logistics and finances?
Replies: 40
Views: 3808

Re: Anyone spend extended time overseas - How do you handle the logistics and finances?

I plan on doing the same. Here's my plan: A) Healthcare: paying for a ACA plan for healthcare domestically, and a international travel plan while traveling. B) Housing and Car: I don't want the hassle of maintaining a residence or car in the US, so I will give up my residence and either sell the car or leave it with family. I do plan on maintaining domicile either in FL or SD. I will primarily AirBnB places overseas for 1-3 months at a time. C) Banking is where it's a little tricky. I am planning on doing a multi bank approach, primarily to have a plan if a bank raises a stink over me not being the US, a debit card is lost/stolen, etc. The bulk of my money will be in a IRAs at Vanguard with automatic monthly withdrawals. My brokerage accou...
by jayk238
Wed Oct 27, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Doctors - how to reduce hours without a huge impact on pay?
Replies: 28
Views: 4000

Re: Doctors - how to reduce hours without a huge impact on pay?

A friend finished residency recently and I see him working ridiculous hours. He is salaried primary care physician (IM), so he is not getting overtime pay. He enjoys the impact part of his job (he is saving lives quiet literally) but complains that the hour (documentation, etc.) is not sustainable and may burnout. Burnouts are very common in primary care. I suggested he reduces his hours but he indicated that he has a huge student debt. Q: What are some of the ways to earn as much money as possible by working less than 50 hours a week as a primary care physician? (No hospitalist. He likes to stay in primary care / out patient.) VA suggestion is a joke. Dont know what pay comprisons were made but last I checked the starting va wage was 180k...
by jayk238
Sat Oct 23, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: Auto Safety: Toyota vs Subaru
Replies: 54
Views: 5052

Re: Auto Safety: Toyota vs Subaru

Title says it all. Please understand that I recognize that not all information pertaining to this topic will be available, and I will have to make a best decision with all available info. Also, just to get ahead of any "YOLA, stop overthinking it" criticism, I participate in a number of mildly to moderately risky activities (when was the last time you deadlifted 315lbs? 8-) ), but only after understanding, mitigating, and then accepting the risks. Terrible time to buy a new car, I'm really just getting my plan together for when things calm down. Driving a 2005 Nissan Frontier with 180k miles, catalytic converter is slowing dying as a result of engine burning oil (qt/4k miles). Budget is preferably under 30k. Can afford more but n...
by jayk238
Sat Oct 23, 2021 7:19 pm
Forum: Personal Consumer Issues
Topic: Seen new Dune Movie? Your opinion??
Replies: 226
Views: 19267

Re: Seen new Dune Movie? Your opinion??

It was a wonderful experience.

Saw it on my large 77” oled tv w surround sound w dolby vision and atmos. A large part of it is experiencing the aw of it all.

The story and pacing was wonderful.

I hated the original.
by jayk238
Wed Oct 20, 2021 2:50 pm
Forum: Personal Consumer Issues
Topic: Airline changed flight - any way to get them to change it again for free?
Replies: 14
Views: 1340

Re: Airline changed flight - any way to get them to change it again for free?

I had a round trip ticket scheduled to depart in the afternoon. About a month after booking I was emailed that both flights were changed to first thing in the morning. It's not a deal breaker, but would much prefer flying later for the return flight. I believe the airline's policy is I can change it to a later time, but I have to pay the additional cost of the ticket which is now quite a bit more. I tried calling the airline hoping to sweet talk them into changing it for free, but was told the hold time was 2.5 hours so I hung up. Any recommendations for ways to handle this? I'll try talking to an agent at the airport on my departure flight to see what they recommend, but figured I'd post here too for advice. Thanks in advance. I havent he...
by jayk238
Wed Oct 20, 2021 10:09 am
Forum: Personal Consumer Issues
Topic: TV: Size vs. quality?
Replies: 108
Views: 11560

Re: TV: Size vs. quality?

At the same price point, which would you choose? For example, a 75 inch TCL 4-series (entry level) smart Roku TV is a little cheaper than a 55" TCL 6-series. Which is a better purchase? And for the price of a 50-55 inch OLED set you can get a huge entry level TV. I always thought with TVs that size really matters, assuming you have a large enough room. Opinions? You get what you pay for today. Oled is amazing. Personally a bigger deal than even 4k. I cant tell the difference between 1080 and 4k on my tv. Cheap oleds=poor panels and greater chance of failure. Id say go as big as you and your property can handle and get oled. The size matters. Had an old 65. Thought it would be enough but at costco w the 77 next to it decided on that. A...
by jayk238
Tue Oct 19, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: Finding New Primary Care Doc, Cost of Visit(s)?
Replies: 18
Views: 2716

Re: Finding New Primary Care Doc, Cost of Visit(s)?

My primary care doctor retired in 2017, so Covid was not a problem then. I got referrals for other PCPs and I did some research. It turned out the all the experienced and recommended doctors were not taking new patients. The only PCPs available were young doctors getting started or an occasional old one who did not look desirable. So, I chose one of the young PCPs. I guess he is OK, but I do not have the confidence in him that I had in my previous PCP. Most of the doctors in my area are employed by either of two hospital systems. I try to have all my MDs employed by one of the systems for record keeping/availability and hospital access. When my PCP retired, the hospital system sent a short list of suggested PCPs for me to consider. They we...
by jayk238
Tue Oct 19, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Finding New Primary Care Doc, Cost of Visit(s)?
Replies: 18
Views: 2716

Re: Finding New Primary Care Doc, Cost of Visit(s)?

My primary care doctor retired in 2017, so Covid was not a problem then. I got referrals for other PCPs and I did some research. It turned out the all the experienced and recommended doctors were not taking new patients. The only PCPs available were young doctors getting started or an occasional old one who did not look desirable. So, I chose one of the young PCPs. I guess he is OK, but I do not have the confidence in him that I had in my previous PCP. Most of the doctors in my area are employed by either of two hospital systems. I try to have all my MDs employed by one of the systems for record keeping/availability and hospital access. When my PCP retired, the hospital system sent a short list of suggested PCPs for me to consider. They we...
by jayk238
Tue Oct 19, 2021 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Poor annual performance review - what to do?
Replies: 110
Views: 12575

Re: Poor annual performance review - what to do?

Please provide your perspective on this. My boss gave me “lowest grade” for my performance this year. I was shocked/very pissed to learn this because I was the top performer for last 5 years and this year too, I pulled all the weights on behalf of the group (total of 5, including the boss). Our group is in scientific field, and we create and analyze the data and submit the report to our clients. The reports are in doc format. At the start of the year, due to staff shortage and high volume of work, my boss suggested that I can save/share the work in PPT format (He now denies that he said that; it was an oral communication and I don't have a proof). I have so far completed 25 projects (10 in doc format and 15 in PPT format); the team’s avera...
by jayk238
Sun Oct 17, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Ways of successful entrepreneurs
Replies: 48
Views: 4386

Re: Ways of successful entrepreneurs

Folks, It is very simple. If a person can get a job earning X in annual salary, there is very little incentive for the person to start a business earning X per year. The RISK and WORK does not justify the REWARD. Most people would not do it. The opportunity and reward has to be significantly greater than X. So, in general, entrepreneurs are those folks that faced discrimination, glass ceiling, limited job opportunity and so on. They cannot use the traditional career path in order to be successful. https://en.wikipedia.org/wiki/Masayoshi_Son Masa Son is a Korean Minority in Japan. He started SoftBank because he had limited job opportunity in Japan due to his Korean minority status. The simple fact is some folks do not have the same job oppo...
by jayk238
Sun Oct 17, 2021 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Ways of successful entrepreneurs
Replies: 48
Views: 4386

Re: Ways of successful entrepreneurs

White Coat Investor, I disagreed. I come from a multi-generation business family. 50% of my extended family is in one form of business or another. Family gathering tends to involve the latest business dealing that someone is involved in. If you are in this kind of family, you would be in business since you are born. KlangFool Klang, you somewhat disagreed with my notion of luck, but being born into a business family is certainly luck! Plus it has built in networking. vitaflo, I know that you do not mean it. But, please explain to me how is this equal to luck? A) I lost my father to lung cancer during childhood. My widowed mother had to run her small business and raised 6 kids on her own. B) The male of my community had a life expectancy of...
by jayk238
Fri Oct 15, 2021 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 28
Views: 2865

Re: Can we afford this home?

elle wrote: Fri Oct 15, 2021 9:27 am Yes you can afford.

Your student loan debt is pretty heavy though. I’d consider paying that off or at least enough to lower the payments by 1/2 so that you’re not completely tapped every month. Larger house = higher maintenance expenses. Kids = activity fees.
What is the value of paying off the debt?

I currently pay 700 a month. Her student loans are 1200 a month, our mortgage is 1900 a month. My monthly take home is 17000… after 401k taxes health insurance so we arent really tapped out
by jayk238
Fri Oct 15, 2021 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 28
Views: 2865

Re: Can we afford this home?

cabfranc wrote: Fri Oct 15, 2021 12:31 pm I do not think you should buy this house right now. I'm not sure how long you have been working but as others have pointed out you have little savings, a car loan, and credit card debt on a $350K/year salary. You should pay off the credit card debt and maybe the car loan immediately from your savings. I'm not sure if your money has been going to student loan payoffs. Yes, you have a high salary. Where are you getting the money for the downpayment? Pay off your debt (or at least more of it) and get a 20 percent down payment and then buy the house.
i should clarify its not credit card debt. Just balance.
by jayk238
Fri Oct 15, 2021 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 28
Views: 2865

Re: Can we afford this home?

I think you can afford it, but I'm not sure how that will fit in with your goal to retire at age 50. And costs are going up a only $13000 a year, but you are also going from a 15 year mortgage to a 30 year mortgage. Are you accounting for increased property taxes, potentially yard care, and other expenses that come with a larger house? For an example, I have been out of residency 12 years--have a net worth of 2.5 million with no student loan debt, no car loans, no credit card debt, and a mortagage at <2% interest rate (have 6 years left until payoff) and live in a house that is 2700 sq ft with 3 kids on a 0.2 acre lot. Our household income is slightly higher than yours, but until the last couple years we were paying a lot for childcare. Th...