Search found 604 matches

by jayk238
Thu Feb 07, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3999

Re: Is General Practitioner [billing Medicare correctly?]

My general line when i see a new pt is- ‘my wife is a patient like you and doesnt like surprise charges, she doesnt mind being charged for services but wants to be told first so she told me i should inform you before hand as well. i want u to know that generally annual physicals are covered but dont...
by jayk238
Thu Feb 07, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3999

Re: Is General Practitioner Scamming Medicare

What a coincidence .... Today I got bill from annual physicial check (wellness check) for my spouse.(not a medicare one) There is a additional charge mentioned besised free well check covered by insurance. I called Billing first then they explained its a office visit dedutible I called the hospital...
by jayk238
Thu Feb 07, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: any experience delta one business class
Replies: 17
Views: 1467

Re: any experience delta one business class

Whether Delta One business on a 763 is a good idea really depends on the alternatives and your preferences. For me, a premium economy seat or a stop is not acceptable on a 9 hour flight if a non-stop with a lie-flat seat is available at a not insane price. The DL seat and overall experience is more...
by jayk238
Thu Feb 07, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: any experience delta one business class
Replies: 17
Views: 1467

Re: any experience delta one business class

hi, any experience with delta one business class? I know there are different ones based on plane type the one we are looking at is a 767 300 er. Wondering what your opinion is on this specific type- specifically in the past few years? Thanks How long is the flight? What are your other options for a...
by jayk238
Thu Feb 07, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: any experience delta one business class
Replies: 17
Views: 1467

Re: any experience delta one business class

767's have the oldest cabin. It is arranged in a straight 1-2-1, with your feet going under the side table of the passenger in front of you. This means the window seats alternate having seat close to the window and side table between seat and isle (giving you a little privacy) and side table near t...
by jayk238
Thu Feb 07, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8136

Re: How many hours do you work and what do you outsource

I work 36 hrs seeing pt and i spend another 10 hrs doing notes
by jayk238
Thu Feb 07, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: any experience delta one business class
Replies: 17
Views: 1467

Re: any experience delta one business class

I looked at both sites. Most are complaints from tall people (im 5 8) and they talk about the sest location as opposed to the experience from the lounge to the amenities to the comfort overall
by jayk238
Thu Feb 07, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: any experience delta one business class
Replies: 17
Views: 1467

any experience delta one business class

hi,

any experience with delta one business class? I know there are different ones based on plane type the one we are looking at is a 767 300 er. Wondering what your opinion is on this specific type- specifically in the past few years?

Thanks
by jayk238
Mon Feb 04, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 5274

Re: Those who do not fly coach, where do you buy your tickets?

We used the chase portal. Tickets were 2500 each
by jayk238
Mon Feb 04, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 4219

Re: The real dog food diet...

We use hill science for large puppies. Dry food. Pretty good brand and it was vet recommended.

We avoid grain free as there is growing evidence it leads to chf in large breeds
by jayk238
Sun Feb 03, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4140
Views: 1189014

Re: What Book Are You Currently Reading? Part VI

These truths by jill lepore. Cant put down american history and its 1000 pages long
by jayk238
Sun Feb 03, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1397

Re: Traveling to france may 11 days advice?

We stayed at Hotel St Louis en l'Isle which we loved. Small but charming. It is on Ile Saint Louis, obviously, and is a quiet area which was really nice, but also close to things. A couple of cafes right on the corner. Notre Dame right there. It's a mile, sorry 1.6 km, from the Louvre. We are booke...
by jayk238
Sun Feb 03, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1397

Re: Traveling to france may 11 days advice?

Have you travelled in Europe or internationally before? Pack light but not so light that you have nothing to dress up in. Learn a few key phrases in French. Making a small effort for these things will make a difference in how you are treated. Past 3 years i have had the privilege. Went to ireland g...
by jayk238
Sun Feb 03, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1397

Traveling to france may 11 days advice?

Traveling to paris in may for 11 days including flight time. Its a nonstop flight. Wondering any advice travel tips etc. so far following rick steve guide. We are not french speakers. Looking for advice on good hotels or cheap good ones, wish to be closest to city center wherever we go. Also looking...
by jayk238
Tue Jan 29, 2019 10:58 pm
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 14692

Re: High Earners Mostly Use Taxable Accounts?

$19K in the 401k + $6K in the IRA = $25K of tax-advantaged space per year. Over a 40-year career, that's $1M in today's dollars (limits are indexed for inflation), before accounting for a penny of growth. I'd say that's a lot. x2 + $7k/yr for HSA + 401k matches. We are currently putting ~$67k/yr in...
by jayk238
Mon Jan 28, 2019 12:44 pm
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 14692

Re: High Earners Mostly Use Taxable Accounts?

$19K in the 401k + $6K in the IRA = $25K of tax-advantaged space per year. Over a 40-year career, that's $1M in today's dollars (limits are indexed for inflation), before accounting for a penny of growth. I'd say that's a lot. x2 + $7k/yr for HSA + 401k matches. We are currently putting ~$67k/yr in...
by jayk238
Fri Jan 25, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47641

Re: What lifestyle creep made you happier?

OnTrack2020 wrote:
Wed Jan 23, 2019 8:52 pm
SiriusXM
Am thinking about Netflix
Not flying coach
We have sirius xm and are happy to let it go. With apple carplay i get everything i want already
by jayk238
Tue Jan 22, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1657

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

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase tota...
by jayk238
Tue Jan 22, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1657

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

dsmil wrote:
Tue Jan 22, 2019 10:59 am
It seems reasonable to me. I entered it into Aimloan.com and the only difference was that Aimloan's fee was $400 less.
Right and by going w chase i have the preferred card so i get 625 dollars cash back...
by jayk238
Tue Jan 22, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1657

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

Go to Bankrate.com and search for the best mortgage prices. My first house was financed through Chase. Since then I have learned a lot, and have figured out that the online companies are the least expensive by far. I recently used a company named Garden State Home Loans. Easy to work with and the l...
by jayk238
Tue Jan 22, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1657

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

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase tota...
by jayk238
Mon Jan 21, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1657

purchasing a home and wondering if we have a good deal

Buying thru Chase - have a hard time finding anyone that will finance 3 % 3% down home costs 251k rate is 4.375 with 900 in points cost PMI is 117 fees 995 to Chase + third party fees Not really wondering if its a smart buy, just wondering if the above is reasonable or if its too much to Chase total...
by jayk238
Sat Jan 19, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2319

Re: Curry Powder?

Hi all, My husband and I have been on a curry kick recently and I'm looking to buy some great curry powder. Our local grocery store's is pretty mild and tasteless and we don't have any specialty stores nearby. Anyone have a great curry powder they can recommend, preferably one I can order online? T...
by jayk238
Sun Jan 13, 2019 2:25 pm
Forum: Personal Investments
Topic: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.
Replies: 29
Views: 6110

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

Hi everyone! I've skimmed this a little bit and honestly it is SO overwhelming for me. As a bit of an introduction, [OT comment removed by admin LadyGeek] We used credit cards irresponsibly, tax refunds were for new TVs or other dumb stuff, and living paycheck-to-paycheck was an understatement. We ...
by jayk238
Fri Jan 11, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 4036

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

Hello! I am considering a change in employment, but could use some advice. Seeking financial advice from anyone in "the know" as well as physicians, NP/PA, or other medical professionals that have gone from private practice to federal or vice versa. I am a 45 yo working in an outpatient specialty m...
by jayk238
Fri Jan 11, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 24990

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

Do you really need a security system? I have two young kids and it gives peace of mind. The services is basic Get SimpliSafe. Upfront cost for the system, but skip the monitoring (someone breaking in will run when they hear the alarm). ROI is only a couple of months. Simplisafe sucks. I have simpli...
by jayk238
Thu Jan 10, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 24990

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

Do you really need a security system? I have two young kids and it gives peace of mind. The services is basic Get SimpliSafe. Upfront cost for the system, but skip the monitoring (someone breaking in will run when they hear the alarm). ROI is only a couple of months. Simplisafe sucks. I have simpli...
by jayk238
Thu Jan 10, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5575

Re: Diagnosing Knee Problems over the Phone - Medicare

Sounds like your spouse got a free consult. Great. I'll tell her to just ignore the pain and be thankful she still has legs. Dude. With all due respect there is a reason why we have pcps. She may have to wait till she sees one. Orthopedic surgeons do not want to do the work of a pcp. That means eva...
by jayk238
Wed Jan 09, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 15031

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

I tell you what. Wife and I thought we were living well above our means but somehow I managed to save 30k this year. I ‘only’ made 143 and yet have 12k in bank and 18 in 401. This after spending 20k in medical expenses. The thing is we blew our money as much as we could saying wed get it out if our ...
by jayk238
Wed Jan 09, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5575

Re: Diagnosing Knee Problems over the Phone - Medicare

I'm guessing the surgeon's thinking is they don't want to waste their time if your wife is not a candidate for surgery. And your wife likely isn't a candidate for surgery unless she's tried pain medications with management by a PCP and/or physical therapy. How would they know until they see her and...
by jayk238
Wed Jan 09, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5575

Re: Diagnosing Knee Problems over the Phone - Medicare

Sounds like your spouse got a free consult. Great. I'll tell her to just ignore the pain and be thankful she still has legs. Dude. With all due respect there is a reason why we have pcps. She may have to wait till she sees one. Orthopedic surgeons do not want to do the work of a pcp. That means eva...
by jayk238
Fri Jan 04, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 153
Views: 9309

Re: What Do You Spend The Most On Annually?

Nothing comes close to taxes.
Taxes: 60,000 a year -last year i paid 4000
Our personal budget 32k
rent w utilities 21k
Student loans 20k
Medical expenses 20k
Etc etc
by jayk238
Thu Jan 03, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 149
Views: 13800

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

Lot of messages here. Not sure if they discussed graduate degrees but that is an option. I would recommend applying to local programs for masters in engineering. I know it can be competitive for those but you can apply for state ones that are less competitive. Its important to realize improving the ...
by jayk238
Wed Jan 02, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9162

Re: Your ideal home size

The homes here range from 900-1700 on average. Interesting to see that the larger homes (save for a few) are not showing up here especially w the higher incomes. Wife and I lived in a 900 sqft home till recently and dont think we want a space that small again and its just two of us.
by jayk238
Tue Jan 01, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2757

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Tue Jan 01, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2757

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Tue Jan 01, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2757

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by jayk238
Mon Dec 31, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2757

Re: Furniture - Ethan Allen Sofa

If you know the specific names of the furniture items, you can wait for them to pop up on Craigslist. Easy way to save 50% at least on mainline items. Otherwise I would ask the reps when specific items go on sale. Good chance though if they went to the trouble of going to your home to create a cust...
by jayk238
Mon Dec 31, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2757

Re: Furniture - Ethan Allen Sofa

Hi, I am shopping for a new sofa and chair. My friend recommended Ethan Allen. I visited the store and the representative visit my home, measured my living room and created a few layouts. I selected a layout (sofa, chair, and table). Any idea how to get the best price? Would it cost less to wait un...
by jayk238
Sun Dec 30, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 15
Views: 2493

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

chubb has a good rep, dont havea nything with chubb....but your question seems to imply you wish to switch. We have Erie insurance, it has some of the best reviews, they are well regarded and I have only positive things to say. My car insurance, renters insurance is through them my inlaws home insur...
by jayk238
Thu Dec 27, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limit with new HRA
Replies: 3
Views: 468

Re: HSA contribution limit with new HRA

Unless the HRA is restricted to dental, vision, and post-deductible expenses, it is insurance which disqualifies you from contributing to an HSA. Therefore, your 2018 limit is 11/12 of the annual limit; contact your HSA provider if you have already gone over. And in 2019, you cannot contribute to a...
by jayk238
Thu Dec 27, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 37
Views: 3270

Re: Superautomatic espresso machines

Years ago I owned a DeLonghi superautomatic; it was fine but still a bit of a hassle to clean and maintain. In the morning sometimes you just want a cup with the least amount of fuss possible. Superautomatics also take up a lot of counter space. I replaced the DeLonghi with Nespresso, the coffee is...
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1230

Re: How do u get excess fica back?

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

As already noted tax software will deal with this automatically after you enter your W-2 figures.
Thx
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1230

Re: How do u get excess fica back?

What happened when you called the IRS and asked them? I find them very helpful when I speak to them. U mean the gutted irs during the shutdown? Endless wait time on the phone is what happens Thanks for helpful advice I've changed jobs multiple times over a 35+ year career and have been in this situ...
by jayk238
Thu Dec 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1230

Re: How do u get excess fica back?

When I switched employers a few years ago, I had excess FICA taken out. The tax software spotted it. The end result is that you will get a credit for the excess payment. There's nothing to do except fill out your tax return and let the software take care of it. Here's what TurboTax will do: Can I g...
by jayk238
Wed Dec 26, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1230

Re: How do u get excess fica back?

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

Thanks for helpful advice
by jayk238
Wed Dec 26, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: How do u get excess fica back?
Replies: 12
Views: 1230

How do u get excess fica back?

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

Ive never run into this before.

How do i get a refund for this.
by jayk238
Fri Dec 21, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21975

Re: Favorite Purchase of 2018?

Xbox x and nintendo switch Loved both. Makes gaming a lot more fun.xbox- I now have alexa and my tv running thru it so w no remote can start netflix. Also love the ease of starting a game -not more than a few seconds. Switch-i love portability and playing diablo at inlaws is awesome. Any tips on ge...
by jayk238
Thu Dec 20, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 3072

Re: Stoic philisopher of Rome: Epictetus

...it seems to me the Stoic principles might undermine legitimate emotional responses to the world and events. Isn't that part of the point to stoicism? Something happens. You're reaction or non-reaction is all that really matters (to you and perhaps to others). My point, which I'm not committed to...
by jayk238
Thu Dec 20, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 3072

Re: Stoic philisopher of Rome: Epictetus

Its irritatingly reductive philosophy. St what point does one’s own stoicism lead to faulty inaction that affects others. Who gets to decide when its acceptable to react in one situation but in another its overreaction. Sure ignoring news or finding a way to observe it without reacting strongly can...