Search found 604 matches

by jayk238
Thu Dec 20, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 3070

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 ...
by jayk238
Thu Dec 20, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 3070

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). A band you like posts something in t...
by jayk238
Thu Dec 20, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21964

Re: Favorite Purchase of 2018?

I have a lot more than one but they all make a difference My subaru 2019 3.6 touring. I cant imagine ever getting another car even luxury unless its a larger suv or sports car. My iphone xs for each I thought it was a unnecessary upgrade but i love it now. The facial recognition is super easy and th...
by jayk238
Tue Dec 18, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 38
Views: 3127

Re: Omega watch expenses

I really struggled wearing watches. I mean whats the point of telling time w smartwatches so even my fancy citizen id forget to wear.
Now i have a apple watch and cant let go of it. I use it constantly.
Its nothing like a rolex i know.
But it gets the job done and then some!
by jayk238
Tue Dec 18, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 713

Re: Buying home-good idea in this case?

Has anything changed since this thread about getting settled in new location? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=251958&p=3979381#top Have you read White Coat Investor? I wouldn't be comfortable taking on more debt. I have read his book and pretty much every relevant blog post. H...
by jayk238
Tue Dec 18, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 713

Re: Buying home-good idea in this case?

Just find a better rental. You are not in a position to take on more debt and you don't have enough of an emergency fund yet, let alone enough for a downpayment/closing costs/reserves for home maintenance/etc. Havent found a better rental even though we looked. Most other homes for rent are owned b...
by jayk238
Tue Dec 18, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying home-good idea in this case?
Replies: 9
Views: 713

Buying home-good idea in this case?

Income 255 started in july Stable sort of. I mean if i leave its my choice so for sure ill have another job lined up. Currently renting as we just moved and started new job. But wife hates dealing w landlord and wants to move asap. Contract is for 5 years but i can leave w no fault in 2 Student Debt...
by jayk238
Tue Dec 18, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2986

Re: Tips for a cold bedroom above a garage?

dknightd wrote:
Tue Dec 18, 2018 5:51 pm
Golf maniac wrote:
Tue Dec 18, 2018 5:15 pm
Insulation needed, above, below, and any external walls.
+1
This. Just had inspection on home to buy and this was the inspectors advice.
by jayk238
Tue Dec 18, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2237

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Generally your insurance should kick in should they not help. At least thats what mine does.
by jayk238
Sun Dec 16, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2921

Re: Annoyingly Expensive HP Ink Cartridges

I have an epson that works great. It was the first one that was truly plug and play even setting up wifi was a breeze. Plus it has airprint so no installing software. The printer uses liquid ink which comes in bottles. The i k is pretty cheap the ink comes in packs of 4 for 40 total. Pretty cheap an...
by jayk238
Sat Dec 15, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Bonds stocks commodities etc all declining. What to do?
Replies: 7
Views: 858

Bonds stocks commodities etc all declining. What to do?

This is the great fear people have been clamorong about. What happens when theres little to invest in?

If this is so do we run for the hills and keep cash only or is this a blip. Nytimes says this hasnt happened in decades. So that includes the last financial crisis.
by jayk238
Sun Dec 02, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2804

Re: Affordable Furniture for first adult apartment

You should buy stickley :D Jk. Ikea works but really time consuming and if you are buys not worth the time. I have a lot of ikea furniture. I also have from wayfare and overstock two plsces where you can get cheap stuff too. Walmart is the ultimate in cheapness. We are now slowly switching piece by ...
by jayk238
Sun Dec 02, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5744

Re: Do you get a year end bonus?

My bonus is 60k a year. Its nothing compared to pharm reps -200-800 for the management types, big law, big 4 A, or wall street -million plus for partners
by jayk238
Fri Nov 30, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating price on cosmetic surgery
Replies: 24
Views: 2600

Re: Negotiating price on cosmetic surgery

It appears that cosmetic surgery is such a lucrative money making business. So, why aren’t more doctors cosmetic surgeons? There must be a catch. The ability to become one is incredibly hard. Plastics is the hardest residency to land and maybe one medical student out of an entire class gets it a year
by jayk238
Wed Nov 21, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 14917

Re: Physician Credentials: Offshore vs. American Medical Schools

I am one of those no name doctors who trained at a small community hospital in a rural town. Lol. I dont know too many UCSF internists in my area or any for that matter. Most are probably at ucsf or some major city too busy teaching residents and students instead of day to day practice. Id rather yo...
by jayk238
Mon Nov 05, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3954

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

Generally speaking people who retire from medical practice are not legally liable as long as they didnt retire with a pending case or knowledge of a case or complication.
by jayk238
Tue Oct 30, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 56
Views: 13142

Re: 2019 Subaru Outback 2.5 vs 3.6

I am looking to get a 2019 Subaru Outback, and the main question I have concerns which engine size (2.5 vs 3.6) best fits my use case. For my daily driving that consists of urban highway and some surface streets (no snow), the 2.5 engine seems more than adequate. However, I often take trips through...
by jayk238
Tue Oct 30, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4950

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. Yes and No. The top end of Canadian Goose Down, with their TEI5 rating for -22F and below, truly is best in class. The to...
by jayk238
Tue Oct 30, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4950

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. This is untrue. None of those brands are cheap. If you are not into outdoors then its probably true. North face is the ni...
by jayk238
Sat Oct 27, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6132

Re: "consultation fee": standard for preventative colonoscopy?

Sorry if this is inappropriate...?? I am not sure???/ I read that a single FIT stool test detects about 73 percent of colorectal cancers. But because you use FIT every year, 10 screenings over 10 years make it just as good as one colonoscopy every 10 years. The newest stool test is called Cologuard...
by jayk238
Sat Oct 27, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 6132

Re: "consultation fee": standard for preventative colonoscopy?

If ther are concerns about over testing and over visiting with the doctor then tort reform is essential in your state. Our state has pretty rigorous tort laws that protect physicians. Im talking about all sorts of frivolous lawsuits I hear from made up stories by plaintiffs about how they stubbed th...
by jayk238
Thu Oct 11, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7993

My life saved by New subaru. Almost died.

I hope this story meets criteria. I recently purchased subaru outback w all bells whistles. I asked for advice here and appreciate it. Yesterday i was driving high way and pulled up to crest of a small hill. The road is a part of the city. I was driving early am to shoot an Ad for tv. Almost to the ...
by jayk238
Mon Oct 08, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6870

Re: Subaru: Crosstrek or Outback?

Just a note: The Subaru Outback (and probably the Crosstek) does NOT have those parking assist sensors on the front bumper. That is, you will not get any beeps as you get too close to the car/wall/structure close to the front of the car. My other thought is just go test drive the cars yourself and ...
by jayk238
Sat Sep 29, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Income Limits on IRA, 401k, and HSA Max Out?
Replies: 11
Views: 1686

Re: Income Limits on IRA, 401k, and HSA Max Out?

Hi all. I'm about to start a job where my salary is $180K. My plan was to max out all my retirement accounts –– $19K for 401k, $6K for IRA, and $3.5K for HSA -- when I starting earning this high salary. But someone told me that I might not be able to max out both my 401k and IRA (for a total of $25...
by jayk238
Thu Sep 13, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3800

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

Sometimes these types of issues can be due to underlying learning issues-dyslexia, thyroid, etc. no harm in getting tested so she can be treated instead of struggling all her life.
by jayk238
Wed Sep 12, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2926

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

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

Not really insightful
by jayk238
Tue Sep 11, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: First time Salary Negotiations
Replies: 25
Views: 2870

Re: First time Salary Negotiations

So I've been at the same employer for 10 years and I am in the process of receiving offers from multiple candidates. Current salary is a simple base + year-end bonus. From the sounds of it, the companies salary structure is a base salary + year-end bonus + a % of driven sales and because of that, I...
by jayk238
Tue Sep 11, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 5015

Re: I found this informative about the next possible crisis

The negativity is a little surprising. I too felt it was informative. Its helpful to know that the system is not rock solid. For an even better and more thought out presentation here is this article in the newyorker: https://www.newyorker.com/magazine/2018/09/17/the-real-cost-of-the-2008-financial-c...
by jayk238
Mon Sep 10, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 5015

I found this informative about the next possible crisis

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

Via bloomberg.

I think it shows we have inherent risk that is way worse than your standard stock valuations etc. but at least its better than before. Then again, no where to go but up from that point.
by jayk238
Mon Sep 03, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1490

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

FiveK wrote:
Sun Sep 02, 2018 2:37 pm
jayk238 wrote:
Sun Sep 02, 2018 12:02 pm
I dont understand anything about backdoor.
After reading the backdoor Roth link provided earlier, what specific questions do you have?
I dont. The google links took me to a scheab calculator which helped. Thanks !
by jayk238
Mon Sep 03, 2018 5:44 pm
Forum: Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3654

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

. Whoever made that comparison has no idea what they’re talking about. It's in the Youtube video I posted the link to above. Towards the end if my memory serves me He says that they invest in plenty of small tech companies, it's a conglomerate like Berkshire. Re-read your statement. If you look clo...
by jayk238
Mon Sep 03, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Time required for outgoing wires from Ally Bank
Replies: 19
Views: 5724

Re: Time required for outgoing wires from Ally Bank

Weve always taken 3 days to transfer. I think the same say or next day ally refers to is when it will be initiated.
by jayk238
Mon Sep 03, 2018 2:43 pm
Forum: Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3654

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

Lot of trolling this labor day.
Where is the popcorn.
This site is better than a movie!
by jayk238
Mon Sep 03, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3898

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

What happens when the music stops? 'When the music's over' (like a famous musician one said -incidentally if it had been Jim Morrison, whom I respect, who had beaten the market I'd have been much less shocked than in the case of the rapper in question) I think the market as a whole goes down, so if...
by jayk238
Mon Sep 03, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3898

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

There are hundreds of millions of investors out there. Many will beat the market. You just can't tell who or why beforehand, and they will have taken greater than normal risk. Take 3,654 investors, have each invest in a different single stock that compromise the holdings of VTI. Someone is going to...
by jayk238
Mon Sep 03, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3898

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

Rising tides lift all boats This is a naive question to ask. It has been answered ad naseum on this forum. Its the same as why does my medical colleague claim to pick biotech winners so well? The economy is doing well and all (i exaggerate!!) stocks good and crap will inevitably rise. What happens w...
by jayk238
Sun Sep 02, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1490

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

Regardless of whether you do a back door ROTH or not, contribute to the ROTH this year. This gets the 5 year clock going for ROTH conversion. If you do it before Dec 31, you get to count 2018 as the first year of the 5 years. You can still make a ROTH IRA contribution for 2018 until April 15, 2019,...
by jayk238
Sun Sep 02, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1490

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

Nate79 wrote:
Sun Sep 02, 2018 10:17 am
As others mentioned there is no income limitation for Roth thru the backdoor Roth method.
But arent there pitfalls and vulnerabilities to do that
by jayk238
Sun Sep 02, 2018 11:34 am
Forum: Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 776

Re: Delay in deposits by empower for 401k?

You seem concerned about the timeliness of deposit without really saying why it's bothering you (other than it "should" take less time). Could it be you think you're somehow missing out on the "best" price? It's generally true that investing money sooner than later is better, but not always. Suppos...
by jayk238
Sun Sep 02, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

livesoft wrote:
Sun Sep 02, 2018 10:36 am
jayk238 wrote:
Sun Sep 02, 2018 10:33 am
Got it. So yea Im basically paying a 2k premium- I guess i really want the heated wheel lol
I liked the Limited-style roof rack over the Touring roof rack. Do you see the difference?
No and I am interested in using it now but I dont know the difference. Why is one better than the other
by jayk238
Sun Sep 02, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

Depends on what options you get with limited. Did you get power tilt sliding moonroof? LED steering responsive headlights, high beam assist, reverse automatic breaking. All of these are standard on the touring but are options on limited. Heated steering wheel is ONLY available on touring- which is ...
by jayk238
Sun Sep 02, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

you dont say where you are. or what option packages. truecar says avg is 39.5K. so sure. Touring model doesnt have true packages. Just the baubles like extra mats and other crap. Im out in the midwest. Truecar price isnt otd right? I have bought my last two cars through Costo; are you a member? I a...
by jayk238
Sun Sep 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

Wasn't the head unit just a software upgrade that all the 2018's can get for free? I haven't driven my Outback for even a full tank of gas, but the head unit has not had any problems that I have noticed. As for definition of OTD, the issue is that sales taxes are different in different locales. One...
by jayk238
Sun Sep 02, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

It depends on what you mean by OTD. Does that includes taxes, title, inspection, license, as well as all the other fees? The place to find out if this is a good price is https://www.subaruoutback.org/forums/138-gen-5-2015-2019/158858-msrp-invoice-purchase-price-thread-595.html I don't think it is a...
by jayk238
Sun Sep 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1490

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

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

Ive been emailing and texting a bunch of dealers in my area. Offered 2019 subaru touring for otd $38.3k Whats your view on this price. Any good? Can i do better? No other dealership nearby will match this or come close. Dont know if that means i need to look farther out. This quote is from a place ...
by jayk238
Sun Sep 02, 2018 9:36 am
Forum: Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 776

Delay in deposits by empower for 401k?

From withdrawl on a friday from paycheck to deposit into my 401k by empower i have to wait till wednesday.
Is this normal? Seems like too much time.
Direct deposit too.
by jayk238
Sun Sep 02, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1490

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

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by jayk238
Sun Sep 02, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 1171

Re: car buying-subaru outback touring good price?

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

Im out in the midwest.

Truecar price isnt otd right?