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Re: I have a perfect 850 FICO score?!

Gambler wrote:
DrPeppaPig wrote:According to Discover, my FiCO score is 865.


impossible since fico only goes up to 850.
trolling?


I stand corrected. My FICO score through Discover is 834. My FICO 8 score, provided by First Bankcard, is 865 out of 900.
by DrPeppaPig
Sun May 04, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have a perfect 850 FICO score?!
Replies: 27
Views: 4258

Re: I have a perfect 850 FICO score?!

According to Discover, my FiCO score is 865.
by DrPeppaPig
Thu May 01, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have a perfect 850 FICO score?!
Replies: 27
Views: 4258

Re: 1st time car buyer - complicated situation

You should be able to pick up an older RAV4 or CRV for around $5k. You'll probably be able to sell it for about the same when you finish residency.

I also like the idea of buying now. That way you can have your trusted mechanic check it out and you won't feel rushed.
by DrPeppaPig
Tue Mar 18, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: 1st time car buyer - complicated situation
Replies: 12
Views: 919

Re: What's your dream car?

Acura NSX
by DrPeppaPig
Mon Mar 17, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11399

Re: looking for car model recommendations

Check out a Pontiac Vibe. Great mileage, decent space, Toyota engine.
by DrPeppaPig
Mon Mar 17, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: looking for car model recommendations
Replies: 4
Views: 359

Re: $175k student loan is paid off!

That's great! Do you go crazy with the extra monthly spend, or do you go Bogle with it? Fantastic news! Where are you planning to divert the money from now on: retirement, 529, iBonds, mortgage? Do tell. We are opening a taxable account and might make some extra mortgage payments. We also hope to b...
by DrPeppaPig
Sat Mar 15, 2014 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: $175k student loan is paid off!
Replies: 21
Views: 1876

$175k student loan is paid off!

I just made the final payment and it feels great!

:beer :beer :beer
by DrPeppaPig
Fri Mar 14, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: $175k student loan is paid off!
Replies: 21
Views: 1876

Re: Hit a minor milestone today...

Congrats!

:sharebeer
by DrPeppaPig
Fri Mar 14, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a minor milestone today...
Replies: 21
Views: 2860

Re: What's a reasonable composite expense ratio?

I'm getting ready to ask a portfolio question so I recently ran a Portfolio Watch analysis. According to the report, my expense ratio is .12%. However, it's likely a little lower since two funds (S&P MidCap 400 index & S&P SmallCap 600 index) in my 401k don't have ticker symbols. Those t...
by DrPeppaPig
Fri Mar 14, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3375

Re: Amazon Prime Increase

We live in an area without many shopping options so we use Amazon quite a bit. I'm not happy with the increase but think Prime is still worth it.
by DrPeppaPig
Fri Mar 14, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9540

Re: Umbrella insurance with negative net worth

I bought a policy when I was in a similar position as you and recommend it. You'll likely have to increase your auto liability though.
by DrPeppaPig
Wed Apr 03, 2013 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance with negative net worth
Replies: 6
Views: 698

Re: Broke New Doctor Needs New Car! How?

P. 80, "best and worst used cars." Under $10,000, for "Small Cars," they like the Pontiac Vibe 2009; I had a 2004 Vibe and it was a great car. The gas mileage was great and there is a lot of cargo room with the back seat folded down. They also come in an AWD version which could ...
by DrPeppaPig
Mon Mar 18, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 4349

Re: New Doctor: Rent or Buy Home in Chicago?

Rent. Don't even think about buying. You'll be way too busy to want to deal with the issues of owning a home. My wife insisted we buy during residency and it was a huge mistake.
by DrPeppaPig
Sun Mar 17, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: New Doctor: Rent or Buy Home in Chicago?
Replies: 47
Views: 2853

Re: Your Home Equity / Net Worth Ratio?

1 - 20%
2 - No
by DrPeppaPig
Fri Mar 15, 2013 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 69
Views: 3117

Re: Portfolio Critique and Advice Request

Thank you Duckie and Occupier for the advice.

@Duckie, The 403b is with my current employer and can be rolled over when changing jobs, although that's not likely to happen anytime soon.
by DrPeppaPig
Fri Mar 15, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique and Advice Request
Replies: 4
Views: 569

Re: Broke New Doctor Needs New Car! How?

Congrats on graduating from med school. Now the real work begins!

You might want to look for a mid-90s Camry. Those things are bulletproof. We bought one at the start of residency and sold it for a few hundred less than we paid three years later.
by DrPeppaPig
Wed Mar 13, 2013 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 4349

Re: help with minivan decision please

We have a 2005 Sienna XLE with 102K (bought it in 2008 with 51K) and haven't had any issues. We also test drove an Odyssey and liked that as well. I'm sure you'd be satisfied with either. The main reason we went with a Sienna over the Odyssey was due to the location of the power sliding door button.
by DrPeppaPig
Wed Mar 13, 2013 2:33 pm
 
Forum: Personal Consumer Issues
Topic: help with minivan decision please
Replies: 47
Views: 3257

Portfolio Critique and Advice Request

My 403b and 457 recently changed a few investment options and I'm thinking changing some elections. I've read through many threads and based my current portfolio on others that I've seen on this forum but would appreciate any and all advice. I have pretty thick skin so fire away! Thanks, Dean Emerge...
by DrPeppaPig
Tue Mar 12, 2013 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique and Advice Request
Replies: 4
Views: 569

Re: Nissan Murano vs. Acura RDX vs. ??

The Acurazine website has a very nice RDX forum.
by DrPeppaPig
Tue Mar 12, 2013 12:13 am
 
Forum: Personal Consumer Issues
Topic: Nissan Murano vs. Acura RDX vs. ??
Replies: 35
Views: 5892

Re: Nissan Murano vs. Acura RDX vs. ??

The previous RDX had a turbo-4 that apparently got lousy mileage, so they switched to a V-6 for 2013 which uses Honda's system for shutting down some cylinders when cruising to improve mileage. We have a 2007 RDX and get around 15 mpg in town and 20 on the highway. There's not much cargo room but i...
by DrPeppaPig
Sun Mar 10, 2013 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Nissan Murano vs. Acura RDX vs. ??
Replies: 35
Views: 5892

Re: Where And How Do You Carry Your Cell Phone?

I have a HTC One X with a Steinheil Oleophobic screen protector and a Seidio ACTIVE case. I keep it in a Galaxy Note leather pouch in my front pants pocket or cargo pants/shorts side pocket. It's a little overkill but it looks brand new!
by DrPeppaPig
Sun Mar 10, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Where And How Do You Carry Your Cell Phone?
Replies: 61
Views: 3169

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