Search found 1347 matches

by rjbraun
Fri May 17, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 27
Views: 3254

Re: Arc'teryx - Anyone else here splurge?

Ha, just purchased my first Arc'teryx jacket this morning. Used my REI 20% off members coupon (good from today through May 27) to buy at 60% discount (was already marked down by half). I figured this would be a good way to check out Arc'teryx quality. As chance would have it, I am wearing a Mountain...
by rjbraun
Wed May 08, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4184

Re: wedding gift value

How did you find out the meal was $180? This question always lingers in my head when I hear "cover your plate". I've probably been to over 100 weddings in my life, I have never once known beforehand (or after) the cost. Nobody asked the cost of mine before they attended. How exactly do people come ...
by rjbraun
Fri May 03, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Private Sector Job or Stay with State Job
Replies: 13
Views: 1518

Re: Private Sector Job or Stay with State Job

If OP's spouse is already vested and can receive retiree health insurance benefits, including for OP, as spouse, that would help to reduce OP's retirement risk. OP may want to check whether retiree insurance will terminate in the event spouse predeceases OP. Also, as OP notes that Company A can be v...
by rjbraun
Thu May 02, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1543

Re: Areas similar to Jungfrau region in terms of transportation

In addition to Switzerland, we've traveled reasonably extensively around Italy, solely by train. I think southern Italy might not be so conducive to train travel; Naples was fine, but I hear that Sicily's public transport might not be so reliable. We also traveled through a number of areas of Japan,...
by rjbraun
Thu May 02, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5483

Re: Giving two week's notice before stock options vest

I’ve worked in tech for 20 years. I’ve worked at tech companies as well as traditional (ie insurance, distribution, etc.). My thoughts: 1)I don’t know where you live or how experienced you are, but I assume you are making at least $100,000 per year. That amount of money is not going to have a huge ...
by rjbraun
Thu May 02, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: China/Tibet Visa Weirdness
Replies: 12
Views: 2282

Re: China/Tibet Visa Weirdness

Apparently there are some unusual specifications around obtaining a visa for China when Tibet is on your itinerary. Before going for our visa, I had read that some travelers advise that one not include Tibet on one's visa request, but I'm not comfortable lying (plus, my travel has us flying into Lh...
by rjbraun
Fri Apr 26, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: 10 minutes worth $300K?
Replies: 61
Views: 8387

Re: 10 minutes worth $300K?

If one town (presumably Town #1?) results in greater likelihood of you getting a seat on the commuter train / subway, and that's something that you value, that could be a consideration in your decision.
by rjbraun
Sat Apr 20, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer, pension vs diy retirement
Replies: 17
Views: 1096

Re: New job offer, pension vs diy retirement

If the state job comes with retiree health insurance that could be a significant differentiator, assuming the state is in good shape and the other job lacks retiree insurance
by rjbraun
Sat Apr 20, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Sell Home Now or Wait? Relocating with Spouse
Replies: 14
Views: 1048

Re: Sell Home Now or Wait? Relocating with Spouse

What are your new employer's relocation terms? I would check that they will cover relocation expenses tied to a move potentially coming a year or so after you started new job. Otherwise I don't have much input between options 1 and 2, other than to keep things simple even if it costs a little extra ...
by rjbraun
Sat Apr 20, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Sell Home Now or Wait? Relocating with Spouse
Replies: 14
Views: 1048

Re: Sell Home Now or Wait? Relocating with Spouse

I don't follow. Partner is expecting a promotion in June 2019 and wants to stay in Baltimore till March/April of 2020, is that correct? OP says March/April 2019, but that doesn't make sense to me Anyway, if you want to try to sell the house before your partner is actually ready to vacate, I would th...
by rjbraun
Thu Apr 18, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 77
Views: 5047

Re: When did you start spending more and saving less?

Can you list some spend you might do now (while working) that you might do if you saved less? An extra 1 to 3 trips/vacations? Easier when retired New car? - Buy based on need Membership (Golf, gym) - No time yet if not retired Eat out more - maybe this is a place to experiment? Cons: Unhealthy pos...
by rjbraun
Thu Apr 18, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3471

Re: leaving state job / pension. ..... bad idea?

As someone on the other side, getting a state pension and in the private sector now...STAY PUT....your in-demand skills today will be outsourced to India soon. (alot of our IT is). It gives me great peace of mind to know I have a very stable pension. Yes, do I make more here in the private sector? ...
by rjbraun
Thu Apr 18, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3471

Re: leaving state job / pension. ..... bad idea?

Problem is I started maxed out at 82k and now make 112k per year; those increases have been cost of living adjustments only; no merit pay or bonuses or anything like that. I feel like I'm missing out on making more $$ in the private sector. The work here has been piling on, additional duties assign...
by rjbraun
Sun Apr 14, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3821

Re: Newbie international traveler

Notify credit card companies and banks in advance of your travel dates and destinations. Otherwise, you run the risk of your activity getting declined. Try to use ATMs during normal business hours. That should make things a bit easier (still, not great), if the machine doesn't return your card. Try ...
by rjbraun
Sat Apr 13, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4290

Re: How to avoid throwing money at problems?

I think it is time to start throwing money at problems. Because you make $350k per year, you can afford that option. Kenkat, You are assuming that OP did not spend most of his household income on the house. That may or may not be true. KlangFool That $350k per year is with bonuses . Otherwise OP ha...
by rjbraun
Thu Apr 11, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: One-more-year - am I done or not?
Replies: 50
Views: 7404

Re: One-more-year - am I done or not?

Budget: 90K - based on Quicken last 2 years, rolling 12 month periods (excluding income taxes and health insurance premiums) 65K - "down year" budget cutting easy stuff - vacations, dining, entertainment, pause sinking fund 40K - slash to minimum budget, wife loses job and I can't find one, major m...
by rjbraun
Thu Apr 11, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a rental house for ex-wife
Replies: 29
Views: 2630

Re: Purchasing a rental house for ex-wife

The house, without a doubt, will appreciate in 13 years (time left for child support). That will be my profit. The $30,000 I put in is not "lost money", it is like putting it in a savings account (this is the part I have trouble wrapping my head around, because I'm used to looking at my Fidelity ac...
by rjbraun
Wed Apr 10, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8244

Re: Are Airport Lounges Worth the Money?

A basic lounge is worth about $30 to $40 per person per flight for me for drinks alone. Really? The free alcohol selection at a basic domestic lounge is typically what you'd find at a low end college bar during happy hour. It's there, but tends to be the bottom of the barrel. Independent lounges, e...
by rjbraun
Wed Apr 10, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8244

Re: Are Airport Lounges Worth the Money?

Probably not worth the money, but it depends on how much traveling you do and to where. I suppose if you regularly flew the same routes and loved the lounges in those airports, it could be worth it. When I flew business class for work it was nice to have lounge access. In those cases, though, I thin...
by rjbraun
Wed Apr 10, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

I can confirm this is done at my university hospital as well. This is standard practice to ferret out donations for the university endowment. It might seem in poor taste but the researchers don't generate any clinical revenue and increasingly sparse NIH funds leaves some of them without funding for...
by rjbraun
Wed Apr 10, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Sorry, didn't read the other replies, but where in the letter did it ask for financial backing? I'm a doc and how I read it is please join one of our research projects as a research subject. Did I miss the financial solicitation part of your opening poster on this thread? Good luck. Sorry, my OP pr...
by rjbraun
Tue Apr 09, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Have others ever received anything like this from their doctors? Is this common? I don't believe I've ever received anything like this before. I've never heard of such a thing. If it happened to me, I'd find a new doctor. I want my physicians to focus on treating me, not hitting me up for funding. ...
by rjbraun
Tue Apr 09, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Did we ever figure out if the doctor was aware this was being sent out in his/her name? What makes you think the doctor is actually involved in this? Well, the letter is on her letterhead and her signature is at the bottom of the letter. Granted, that doesn't mean she is aware that the university m...
by rjbraun
Tue Apr 09, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17681

Re: Bogleheads, why wont anyone hire me?

<snip> ... and after 4 years of applying to over 200 jobs along the east coast, I am part of a statistic that is working a job that didnt require a degree. <snip> A lot of good advice already by others. How did you apply for the over 200 jobs? Are these online job applications or through people you...
by rjbraun
Tue Apr 09, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Sorry, didn't read the other replies, but where in the letter did it ask for financial backing? I'm a doc and how I read it is please join one of our research projects as a research subject. Did I miss the financial solicitation part of your opening poster on this thread? Good luck. Sorry, my OP pr...
by rjbraun
Tue Apr 09, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

I just happened to see this thread. I am sorry I am posting a bit late. I have experience with this issue both as a patient and as an employee at a research medical center. First, about the letter that provides a lot of info about your physician and her research but never comes right out and asks f...
by rjbraun
Tue Apr 09, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Update here from OP: I got another solicitation by mail this week. Same institution, but this time from a dean / professor of the medical center. One-pager (with donation card and envelope), closing with "Just as you rely on us, we rely on your generosity to remain a global leader in scientific rese...
by rjbraun
Sat Apr 06, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1202

Re: Help me plan 3 days in Vancouver

Wow, thank you all! This was a big help. So far I pieced together this general itinerary. Any thoughts or feedback? VANCOUVER Sunday - Explore Stanley Park (Coal Harbour, totem poles, Brockton Point Lighthous, Prospect Point and Siwash Rock) - Explore Gastown and Yaletown 7:15 pm - Dinner at Blue W...
by rjbraun
Fri Apr 05, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Where to live during kitchen renovation?
Replies: 45
Views: 2727

Re: Where to live during kitchen renovation?

I have read many but not all of the replies, but I would definitely say OP needs to be in close enough proximity to be able to check in on the renovation, daily . I say this as someone who has combined two apartments and, yes, lived in one of the apartments throughout the entire process. The renovat...
by rjbraun
Wed Apr 03, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1202

Re: Help me plan 3 days in Vancouver

We spent a wonderful week in Vancouver last June. We also stayed at the Fairmont Pacific Rim and splurged (using points) for a harbor view room on the Gold Floor. It was a great experience. If you want a leisurely pace I would almost budget a full day for Stanley Park. You could walk to English Bay ...
by rjbraun
Fri Mar 15, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 54
Views: 3259

Re: 2 days in New York City

For free if you're nearby, main branch of the NY Public Library (5th Ave & 42nd St) beautifully restored building. And behind the library on 6th Ave is lovely Bryant Park. +1. Also, a free docent-led tour of the library (first-come, first-served, as noted in the schedule available via the link belo...
by rjbraun
Mon Mar 11, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Yes, I too noticed the other day that the dentist office checking up on my parent’s visit that day did not have caller id. Didn’t realize that was common, thanks for the heads-up on that! If you mean it shows a number but not in your phone book, I add those to my phone books as Incom doctorsname so...
by rjbraun
Mon Mar 11, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Not sure if this would be helpful, but it looks like the Amazon Echo Connect (https://www.amazon.com/Echo-Connect-requires-compatible-Alexa-enabled/dp/B076ZRFP6Y) allows you to use your Amazon Echo to make & receive calls from your landline. Doesn't solve the answering machine problem, but potentia...
by rjbraun
Mon Mar 11, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

* I hope your parents don't have their name on their outgoing message. We just received a "phone book". Most of the pages are yellow page ads. However, I would bet money that most of the white pages tend to be older landline customers and thus subject to elderly scams. If I were a phone scammer - t...
by rjbraun
Mon Mar 11, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I don't see a problem with letting the answering machine answer the phone and recording a message. We never answer the phone even if it is ringing 2 feet from us. We have no problem listening to messages if/when we want to. Sure, it took a different mindset to ignore the ringing phone while we were...
by rjbraun
Mon Mar 11, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I don't see a problem with letting the answering machine answer the phone and recording a message. We never answer the phone even if it is ringing 2 feet from us. We have no problem listening to messages if/when we want to. Sure, it took a different mindset to ignore the ringing phone while we were...
by rjbraun
Mon Mar 11, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

One of the biggest challenges as people age is the telephone. First, they have a tendency to leap up when the phone rings and rush to answer it. The concept of having a machine pick up, and that the caller has no urgent information, is lost on them - and was 10 years ago and 20 years ago - that's t...
by rjbraun
Mon Mar 11, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Trying to find an answering machine for my elderly parents. The current one only allows four rings before starting to play the greeting and asking the caller to leave a message. That’s typically not enough time for them to get to the phone. Something like 8 rings, or even more, would be nice. How d...
by rjbraun
Mon Mar 11, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Often there is a setting where you can change the number of rings before it answers - within limits. Check the owner's manual With my old answering machine there was a gizmo on the side that let you do this, between 4 rings or 8 rings. Yes, that is exactly the type of feature that I am looking for....
by rjbraun
Mon Mar 11, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I guess you mean listening to a recorded message and then picking up the phone to speak to the caller (aka “screening calls” to decide if you want to actually speak to the caller)? Or, maybe you mean hearing the message and then calling the caller back. I mean listening to messages and calling back...
by rjbraun
Sat Mar 09, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I was looking at Krown Phone Strobe Flasher at Amazon before I got hearing aids. Our AT&T phones also have an answering machine that picks up after several rings, ~6-8. Haven't hooked up the newer Panasonic answering machine yet nor used the Voice Mail that comes with voice, video, and internet bun...
by rjbraun
Sat Mar 09, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I don't see a problem with letting the answering machine answer the phone and recording a message. We never answer the phone even if it is ringing 2 feet from us. We have no problem listening to messages if/when we want to. Sure, it took a different mindset to ignore the ringing phone while we were...
by rjbraun
Sat Mar 09, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

How many people do you think will hang up before the 8th ring? Fair question. Well, if it’s spam callers, that would be just as well if they hang up. If it’s someone who really wants to get through to them, either a family member or, say, a medical office (that should know they are calling someone ...
by rjbraun
Sat Mar 09, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

I know some Panasonic systems can be set for 2, 4 or 7 rings. I have one of those Panasonic systems and have it set to 7 rings: https://shop.panasonic.com/cordless-corded-telephones/cordless-telephones/KX-TGE445B.html#start=1 file:///home/chronos/u-e71b4d684c0a6886856cba07b3eb9808b0854e51/Downloads...
by rjbraun
Sat Mar 09, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Have you considered getting them something like a central phone unit plus a couple of remote cordless phones that sit in a charger, so there are more phones around their house? +1 when we had a landline and a multi story townhome, we used a Panasonic cordless phone system that came with one main st...
by rjbraun
Sat Mar 09, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

prudent wrote:
Sat Mar 09, 2019 9:43 pm
I know some Panasonic systems can be set for 2, 4 or 7 rings.
Thanks. I will look into Panasonic models. As you wrote “systems” I assume that you are referring to a cordless phone system with a control base, as opposed to a standalone answering machine “box”.
by rjbraun
Sat Mar 09, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Have you considered getting them something like a central phone unit plus a couple of remote cordless phones that sit in a charger, so there are more phones around their house? Then, even IF you found a unit that allowed more rings, your parents wouldn't be needing to rush to get to "the" phone? Mi...
by rjbraun
Sat Mar 09, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Re: Home answering machine that only kicks in after many rings?

Often there is a setting where you can change the number of rings before it answers - within limits. Check the owner's manual Yes. My parents’ machine has a limit of 4 rings.That’s also what I’ve always seen: 2, 4, or TS (“Toll Saver”). These machines are a throwback to another era, almost before c...
by rjbraun
Sat Mar 09, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1889

Home answering machine that only kicks in after many rings?

Trying to find an answering machine for my elderly parents. The current one only allows four rings before starting to play the greeting and asking the caller to leave a message. That’s typically not enough time for them to get to the phone. Something like 8 rings, or even more, would be nice. How do...
by rjbraun
Sat Mar 02, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8197

Re: Financial solicitation by my doctor

Most hospitals send these out and the docs know nothing about it. Well, in my case the doctor signed the letter so I'm assuming she knew on some level. So, the letter is personalized to me and, on closer inspection, my doctor's signature actually looks original. The ink is black, so it's a little h...