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Re: $116k Med School Debt - Pay Off or PSLF?

Generally my opinion is to delay gov't student loans even if the interest rates are quite high, due to the flexibility of IBR and various forbearance options. But you have such a low debt burden compared to your income, plus I'm guessing jobs will be stable going forwards. So for you I'd echo the ot...
by countofmc
Thu Oct 30, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 17
Views: 492

Re: The safest 4 door sedan out there

Epsilon Delta wrote:How about a Rolls-Royce Phantom? Almost a ton heavier than the E class.


This has to be the winner
by countofmc
Wed Oct 29, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 60
Views: 2482

Re: The safest 4 door sedan out there

I am confused, is your question rhetorical? No I am not being rhetorical. I simply do not know where one might go to get the definitive answer to the question as to which is the safest car for 2014. And I am not sure that the website referenced has all the necessary credentials to answer the questi...
by countofmc
Wed Oct 29, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 60
Views: 2482

Re: The safest 4 door sedan out there

Also, looks like the NHTSA frontal crash test really did the Accord in. Which is strange, because it aced the offset tests from IIHS, and I also believe is one of the few (if not only) midsize sedans to get a Good rating on their small-overlap crash test or whatever it's called. http://www.iihs.org/...
by countofmc
Wed Oct 29, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 60
Views: 2482

Re: The safest 4 door sedan out there

I am confused, is your question rhetorical? You are using this website to suggest the Accord and Altima are not safe, and then ask which 4dr sedans ARE, but then the answer is staring you in the face if you go to the website - all 4 2015 models listed there are 4dr sedans. In 2014 it looks to be the...
by countofmc
Wed Oct 29, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 60
Views: 2482

Re: Possible Relocation to San Francisco - Advice?

Just stating the obvious- San Francisco is not the entire Bay Area. The interesting thing about the Bay Area is that the environment can change almost city to city, and even the weather! I live in Silicon Valley, and even here, you can get a different vibe in Palo Alto from say, Mountain View. I fee...
by countofmc
Wed Oct 29, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1448

Re: If holding cash, do you want a Great Depression?

Maybe? I guess the biggest threat would be a complete social breakdown so that even your cash becomes meaningless.

I think maybe another 2008-style financial crisis is what would be more in line with what you'd "want".
by countofmc
Mon Oct 27, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 3848

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by countofmc
Mon Oct 27, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10588

Re: Feeling rich to feeling poor overnight

Your first problem is you thought you were "rich" with an income of just about 6-figures in the San Fran bay area... baahahaha by all standards, that is bairly average in the area if not below. I think the last time I pulled out an "income equivalent" calculator just over 6-figu...
by countofmc
Mon Oct 27, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10588

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by countofmc
Mon Oct 27, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by countofmc
Mon Oct 27, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

I have reached the same conclusion but not because of the recall. My wife had paintc chipping on her newish honda. It was covered under warranty. Come to find out, they wouldn't pay for a rental car, and it would take a week to have it done. We paid for the rental and at the end of the week the car...
by countofmc
Mon Oct 27, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

fandango wrote:Before you Make a move to Toyota: remember the braking and surging problem that has been going on for years but has never been fully resolved.


Toyotas are still suffering from these issues?!
by countofmc
Sun Oct 26, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

For what it's worth, CLARK HOWARD says that you can get a Nissan leaf very cheaply, after tax credits etc. And that they are in good supply. Not a bad alternative to the Tesla if you are a "value player". I'm more of an "old-tech" guy, not sure if an electric is right for me. I ...
by countofmc
Sun Oct 26, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

I'm happy with my certified used Subaru Forester. I've received one recall notice about potential brake line corrosion; the dealership inspected my car and advised nothing's wrong. As an aside, my car developed an annoying rattle just out of the full 3 year warranty period. Subaru of America paid t...
by countofmc
Sun Oct 26, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

I'm happy with my certified used Subaru Forester. I've received one recall notice about potential brake line corrosion; the dealership inspected my car and advised nothing's wrong. As an aside, my car developed an annoying rattle just out of the full 3 year warranty period. Subaru of America paid t...
by countofmc
Sun Oct 26, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Several people seem to be indicating that their cars are subject to recall but cannot be fixed yet due to parts being unavailable. This seems highly problematic. So basically drivers are being asked to continue to drive cars that may have a serious safety issue? The issue is related to relative hum...
by countofmc
Sun Oct 26, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Feeling rich to feeling poor overnight

I live in the SF Bay Area. My opinion would be to avoid a longer commute if at all possible. I've lived and worked both in the city and also in Silicon Valley. I had coworkers that would commute from all over - San Jose to SF, SF to Silicon Valley, East Bay to Silicon Valley, vice-a-versa, and all s...
by countofmc
Sun Oct 26, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10588

Re: Done with Honda, not sure what next car should be?

I own a 2002 Honda CRV, and yes the exploding airbag is not a new problem. I entered my VIN on Honda website to check recalls and found that the driver airbag had been serviced in 2011 as the result of a recall that involved exactly the same problem as the current exploding passenger side airbag. I...
by countofmc
Sun Oct 26, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Did you read the NY Times article I linked in my OP? I'd love to hear your reaction to the article, as my primary concern regarding Honda is that they may have known about these airbag issues as early as 2004 (at least according to the reporting). I'm not too bothered (yet) by what's going on now i...
by countofmc
Sun Oct 26, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

For example, my reservations with Hyundai have nothing to do with the corporation and everything to do with the attitudes of the local dealership. As if the reviews weren't bad enough, they basically admitted to a local newspaper that their service department would not provide prompt warranty servi...
by countofmc
Sat Oct 25, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

c078342 wrote:We've owned VW products (now including Audi and Porsche) for 37 years. In my remembrance,they have been recalled 2 or 3 times, never for anything I considered serious. German cars are superior.


I may consider VW.
by countofmc
Sat Oct 25, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

A couple of points about the airbag recalls. First, be careful when comparing different company's responses. Honda has about 6 times as many affected vehicles as Toyota. Relative to market share it looks like BMW has by far the largest percentage of vehicles affected. IMHO this is mostly a matter o...
by countofmc
Sat Oct 25, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Maybe this is a cynical way of looking at things, but shouldn't a company that just went through a lot of litigation and criticism over a recall the best company to buy a car from. since they will be under strict scrutiny? Yea, you might be onto something. Toyota seems to be really quick with the r...
by countofmc
Sat Oct 25, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

I guess I'm just hoping there's a car company out there that (as sad as this sounds) might be an exception to the rule at this point. A company that may actually put quality/safety over profits, and has a company culture that may reflect these views. Ha! I don't think such a thing exists. I jumped ...
by countofmc
Sat Oct 25, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Cars are driven by people. The guiding principle behind everything we make at Volvo, therefore, is and must remain, safety ... http://en.wikipedia.org/wiki/Volvo_Cars#History Yep, Volvo actually came to mind, but then I found this: http://wheels.blogs.nytimes.com/2012/07/03/government-fines-volvo-1...
by countofmc
Sat Oct 25, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Personally I would not blame any particular brand. From what I have heard the problem is systemic to our economic system, and corporate/political agendas. Look at the length and severity of the GM ignition switch cover-up. Nobody wanted to take responsibility for their actions. GM is one of the lea...
by countofmc
Sat Oct 25, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Media has blown all recent recalls completely out of the water. Recalls happen with every brand and almost every model at some point. I've worked in the automotive industry for 15 years, when I started we had binders of paper recall notices for dealers to reference before everything was online,one ...
by countofmc
Sat Oct 25, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Re: Done with Honda, not sure what next car should be?

Not answering your question, but I'm intrigued that your dealership is able to repair this--my understanding that there was a kind of limbo here where they'd identified the likely problem airbags but didn't have repair parts disseminated yet. Maybe that's only a portion? When I checked on my Civic,...
by countofmc
Sat Oct 25, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Done with Honda, not sure what next car should be?

Frankly, I'm a brand loyalist. I will stick with a brand/company until they give me a reason not to. My wife and I recently purchased our 4th Honda. We also own a 2007 Accord that we found out is subject to the airbag recall: http://blog.caranddriver.com/massive-takata-airbag-recall-everything-you-n...
by countofmc
Sat Oct 25, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6896

Upgrading from Iphone 4s - 5s or 6?

I think it's time for me to upgrade. I have a 4s, and would like one of the newer phones to take advantage of some of the advances (like LTE) featured on the new Iphones. The $100 difference (w/ contract) is not a big deal, I actually prefer the smaller size of the 5s, since I keep my phone in my pa...
by countofmc
Sat Oct 18, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2273

Re: Anyone cancelling travel plans?

My only concern in your case, OP, is that this is a cruise. I think this Ebola scare will get much worse before it gets better, with more infections in the USA. So with fear increasing, I wouldn't necessarily be concerned you'd get Ebola, but I'd be concerned about unwarranted inconvenience. Novembe...
by countofmc
Sat Oct 18, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6317

Re: If those airline passengers get sick- airline stocks wil

Fliers get sick all the time either due to turbulence, or excessive alcohol consumption, or both. This is the reason for airlines providing paper bags at each seat. Now, every case of sickness will be second-guessed as an exotic disease starting with letter E. Cleaning up after every case of sickne...
by countofmc
Sat Oct 18, 2014 3:05 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1731

Re: If those airline passengers get sick- airline stocks wil

I think the nurse who flew was not showing any VISIBLE symptoms when she flew, just a fever. The guy that brought in ebola from Africa was sent back home from the hospital, and then went back when he started feeling REALLY sick, so I'm assuming he was showing some physical symptoms (vomiting, diarrh...
by countofmc
Sat Oct 18, 2014 3:03 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1731

Re: Ebola preparation

The US should bar flights from west African countries, but isn't. One would then fly to the US via another country. Victoria Maybe the other countries would bar those flights also. I think it's too late for that. The coordinated effort and money it would take for such an undertaking might be better...
by countofmc
Tue Oct 14, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

Re: Ebola preparation

I'm sorry, but I frankly think the various organizations like the CDC, WHO, etc that have spoken out about this just do not know as much about Ebola as they would like people to think. Exactly how contagious is this thing? Right now it seems like it's harder to get than Flu but easier to get than AI...
by countofmc
Tue Oct 14, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

Re: Ebola preparation

Gotta die of something at some point. I'm not really worried about it, there are worse ways to go. I'm sure there are worse ways to go, but lying in a hospital bed in a pool of your own vomit and fecal matter while literally bleeding to death and not being able to see your family sounds pretty darn...
by countofmc
Tue Oct 14, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

Re: Ebola preparation

>3) The disease completely escapes containment, spreads like wildfire, huge numbers of people die and modern civilization collapses. According to the newspapers Ebola was first identified in 1976. We have been hearing about it spreading in Africa for some time (a few years?). But the thing is- it h...
by countofmc
Tue Oct 14, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

Re: Ebola preparation

Can't change my life too much, until some kind of shelter in place is imposed. I'd probably try to stay out of hospitals and doctors' offices unless it was an absolute emergency. Try to avoid crowded places (malls, sporting events, etc). Try to avoid unnecessary travel by air. I'd stock up on bleach...
by countofmc
Tue Oct 14, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

Re: Hyundai vs. Toyota

Any reason you are not looking at the Accord? Interior room is very nice, and by eschewing the more popular "curvy" designs of cars these days in favor of a more "boxy" look, I feel like the car has very good visibility and also ergonomics. I have headroom to spare (although no s...
by countofmc
Sun Oct 05, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4698

Re: Should I buy a condo on the GROUND FLOOR?

I've been a condo/apartment dweller basically my whole life. Mostly on the ground on non-top floor for the most part, and now the top floor for the last 4 years. If I have any control over it, I'll never live in a non-top floor unit again. It's basically THE top priority over anything else when look...
by countofmc
Sat Oct 04, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5091

Re: How can I stop feeling depressed about my finances?

I've read a paper about the Facebook depression . People report on Facebook the best parts of their lives. When you read about the best parts of many people's lives, you tend to think that everybody has a better life than you do. Understanding how Facebook works does not help dealing with the Faceb...
by countofmc
Tue Sep 30, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14073

Re: How can I stop feeling depressed about my finances?

As others have pointed out, trying to outdo others or compare yourself to them is a black hole. Heck, some people consider the greatest accomplishment in life as "being remembered". But even that, how many will accomplish? Will people know or care who people like Bill Gates or Michael Jord...
by countofmc
Mon Sep 29, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14073

Re: How Long Should I Keep My Car?

A thought I've had recently is whether our paradigm about car ownership will change as the years go by, towards a more "disposable" model. Your average midsize car like a Camry or Accord have actually gone down in price when taking into account inflation, and you also get a lot more standa...
by countofmc
Mon Sep 29, 2014 3:03 am
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4101

Re: Car (new OR old) for mother & baby

Generally bigger is safer as long as you have stability control. Can't beat the laws of physics. So I'd stick to an SUV. Volvo XC60 seems really impressive with the safety equipment and the crash test results, but probably doesn't really fit your cost of ownership criteria. Among Japanese cars, the ...
by countofmc
Sun Sep 28, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1166

Re: Those under 35 with a child 5 or under: Costs of child?

livesoft wrote:Many daycares will give higher quality and more enriching care than a stay at home parent would.


I am afraid this is going to touch off a storm so I am going to exit my own thread, but thanks to all who shared their experiences, it was very helpful!
by countofmc
Sun Sep 28, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4439

Re: Those under 35 with a child 5 or under: Costs of child?

I'm 32. I wanted to hear the experiences of those around my age who have had children fairly recently. I wanted to narrow the responses because for general childcare cost info, there's plenty of threads. I also frankly was not interested in hearing about how much it cost 10-15 years ago to raise a ...
by countofmc
Sun Sep 28, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4439

Re: Those under 35 with a child 5 or under: Costs of child?

First many will say their daycare expenses are low or zero due to a spouse not working, this actually is the single most expensive daycare you can purchase because you give up your spouse's entire earning potential and your spouse incurs an employment gap. If your spouse is capable of earning 30K p...
by countofmc
Sun Sep 28, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4439

Re: Those under 35 with a child 5 or under: Costs of child?

I'm 32. I wanted to hear the experiences of those around my age who have had children fairly recently. I wanted to narrow the responses because for general childcare cost info, there's plenty of threads. I also frankly was not interested in hearing about how much it cost 10-15 years ago to raise a c...
by countofmc
Sun Sep 28, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4439

Re: How Long Should I Keep My Car?

From my personal experiences, I'd say around 4-6 years, 50-70000 miles is when I started getting some fairly large repair/ maintenance bills. And then things kind of leveled out, and I didn't have major problems after that. But I've only had two "old" cars (got rid of at 12 years 130,000 m...
by countofmc
Sun Sep 28, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4101
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