Search found 921 matches

by awval999
Wed Jan 18, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 27
Views: 2081

Re: Does pharmacy school ranking matter?

Hospital pharmacist here on the residency committee. 1. Exclude any school that has opened after the year 2000. 2. Of the remainder pick the school that will allow your son to graduate with the least amount of student loans. Make sure he realizes that retail pharmacy is soul crushing and the only wa...
by awval999
Fri Jan 13, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 2799

Re: what local pharmacy?

I'm a pharmacist, albeit a hospital pharmacist. But familiar with how community pharmacy is ran. It's all different and very dependent on market. You can have a very well ran Walgreens in one district and one that's a dumpster fire in the other. You can have a very well trained pharmacist in one and...
by awval999
Thu Jan 12, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9095

Re: How much do you typically spend in a restaurant?

Husband/wife no children yet. Typically $55 including tip. 90% range $45-$60 including tip. Average eat out once or twice a week. Let's say 6 times/month. Nearly always on Thurs/Fri/Sat night. Typically two (occasionally I'll get a 2nd drink for a total of 3) alcoholic drinks and two entrees OR two ...
by awval999
Sat Jan 07, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3014

Re: Bedroom is colder than rest of house. Radiator heating question.

I think you're really overthinking this. Spending thousands to fix a heating issue in one room?

Get a silent electric radiator heater. They are safe. No forced air fan that keeps you up while you sleep.
by awval999
Thu Dec 29, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a married child with first home
Replies: 56
Views: 3928

Re: Helping a married child with first home

I think what would be needed would be some sort of post-nuptial agreement between your daughter and her husband. Let's say house is $1 million. You give $300,000 to the daughter for downpayment, etc. The post-nuptial agreement would say something along the lines of, upon divorce, the family home's e...
by awval999
Thu Dec 29, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Benefit of Getting More $$ even at Highest Tax Bracket (Special Situation)
Replies: 5
Views: 402

Re: Benefit of Getting More $$ even at Highest Tax Bracket (Special Situation)

I have heard this too, and generally it is not rational. You still come out ahead. But someone might just decide that the extra dollars are not worth the cost of missing out on relaxing for a bit or taking a vacation . It's this. I stop picking up OT when I max out my 15% MFJ taxable income bracket.
by awval999
Tue Dec 27, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12598

Re: I'll never save a 20% down payment. Rent for life?

It is what it is. Since you took the time to write this post I am sure you don't plan on raising your two children in a two bedroom apartment. I personally wouldn't tap retirement saving to increase your downpayment. If you have the 5% already then I would just take a higher interest rate (LPMI inst...
by awval999
Mon Dec 26, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Will index funds suffer if U.S. has Japan-like recession?
Replies: 10
Views: 805

Re: Will index funds suffer if U.S. has Japan-like recession?

Yes, index funds will suffer is the US has a Japan-like recession.

And we cannot assume that the US stock market will continue to rise over the future.
by awval999
Tue Dec 20, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Cutting the cord in NYC, but I love my channels
Replies: 18
Views: 879

Re: Cutting the cord in NYC, but I love my channels

I think this whole cord cutting thing in overblown. $135/month? For all that entertainment? Sounds like a deal to me.
by awval999
Tue Dec 13, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Lender-paid PMI or borrower paid-mortgage insurance?
Replies: 6
Views: 438

Re: Lender-paid PMI or borrower paid-mortgage insurance?

I had a very similar offer 2 years ago.

I went with LPMI.

I didn't do you your math--- but when I did my math, it would take like 15 years for the regular PMI to make it worth it, by paying only the normal payments.
by awval999
Wed Dec 07, 2016 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?
Replies: 15
Views: 1026

Re: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?

There's no need to transfer---

You can book nights back to back.

For example, 3 nights out of your account. And then 3 subsequent nights out of her account. Just tell them at check in. They won't make you change rooms or anything.
by awval999
Mon Nov 28, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3367

Re: Disputing fat hospital bill?

Are you sure this isn't just your deductible or co-insurance portion? Typically how medical insurance works is that they charge some asinine amount, the insurance company says no, here are our negotiated rates, and then you pay the co-insurance. Example: Hospital bills $28513, Insurance company says...
by awval999
Sun Nov 20, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Michelin Premier AS, anyone have them?
Replies: 13
Views: 1216

Re: Michelin Premier AS, anyone have them?

I have them on my 2012 Honda Civic.

I purchased them a regional tire shop.

They are fine. They are tires. But they worked well last winter so I have no complaints.
by awval999
Sun Nov 06, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Add/Remove Options
Replies: 19
Views: 1326

Re: Car Insurance - Add/Remove Options

You have no where near enough coverage. Specifically, your property damage is too low, your liability is too low and your un/under-insured motorist coverage is too low. You're being penny wise pound foolish with your liability limits. If you want to lower the premium just drop full coverage or raise...
by awval999
Mon Oct 31, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 27
Views: 1770

Re: Another Repair or Replace Car Thread

$60/tires?

Not for anything I'd recommend the OP drive on.

I would personally get a new car. 200,000 is enough. I wouldn't want to keep throwing money into something like that.
by awval999
Wed Oct 26, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: How Much Home Can I Afford
Replies: 13
Views: 1216

Re: How Much Home Can I Afford

Yes of course you can afford a $250k house; however, I don't know if moving a family of 4 into a condo makes sense. Unless you're talking about a 3 bed townhouse or something like that.
by awval999
Sun Oct 23, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Decision time for young healthcare couple on $ use?
Replies: 6
Views: 688

Re: Decision time for young healthcare couple on $ use?

I'd use the money for something fun. Use it for something 20 months from now when you're done with your residency. I'm sure you and your wife have sacrificed so much throughout residency. In the grand scheme of things, when you have your attending salary, $18k will be a months salary. So I vote for ...
by awval999
Thu Oct 06, 2016 6:43 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5616

Re: Johnnie Walker Blue worth the cost?

Would the groomsmen appreciate it? If I were given this as a gift, I would dump the contents and put the bottle into the glass recycling bin. Nobody in my house drinks alcohol and we certainly don't need it around with a teenager in the house. You probably could give it away you know. It costs like...
by awval999
Fri Aug 19, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Large amount of home equity - tempting to cash out and FIRE?
Replies: 57
Views: 4727

Re: Large amount of home equity - tempting to cash out and FIRE?

$2.6 million is not really a lot of money with limited social security credits, no pensions, a long retirement period, and a family to support no matter where you live. Just to put some perspective on that comment: $2.6 million dollars is more than most households will earn in their entire lifetime.
by awval999
Fri Aug 12, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 5755

Re: Payoff Debt at Sacrifice of Leisure?

To the OP; realize a lot of this argument and different opinions is generational differences between the posters. You will have to decide what to end up doing; but I will just say this: Simply she can use 100% of her income on repaying her loans. You pays for everything else. This is what my wife an...
by awval999
Fri Aug 12, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 5755

Re: Payoff Debt at Sacrifice of Leisure?

I don't know your age; but since we're talking about student loans I assume you're late 20s / early 30's like me. My spouse and I have similar incomes (much different net worth due to your house value). Just let her use her income towards the loans. I wouldn't co-mingle your premartial assets to pay...
by awval999
Fri Aug 12, 2016 7:13 am
Forum: Investing - Theory, News & General
Topic: Gain/Loss and Change Where's my Magic 12%
Replies: 4
Views: 627

Re: Gain/Loss and Change Where's my Magic 12%

You are literally looking at one day of returns.

The stock market has historically returned ~8% year over year over a long period of time.
by awval999
Mon Aug 08, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 7191

Re: new potential tenants negotiating on rent

As a former tenant; I would say a landlord that would balk as some of you are doing at a simple negotiation isn't someone I'd want to rent from because they'd be trying to blame me for everything that goes wrong in their house. Hot water tank out? Oh, you broke that. Roof leaks? Oh, you broke that. ...
by awval999
Wed Aug 03, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6387

Re: Points/Miles Schemes - Waste of time or worth it?

I have several colleagues who spend an inordinate amount of time scouring the internet for ways to double, triple, and more their points-du-jour, be it American Airlines Miles, or Chase Sapphire points, what have you. While I think selecting a few credit cards to maximize cash-back is a totally rea...
by awval999
Sat Jul 16, 2016 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Student loan refi
Replies: 1
Views: 263

Re: Student loan refi

I think 3% fixed is an outstanding rate. Since you pay AMT you must have a high income. Only you can decide if you want to get rid of the monthly payment to increase cash flow and/or be done with the "thorn" in your side. For many people getting rid of debt is "freeing" experienc...
by awval999
Wed Jul 13, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5782

Re: Do you tip Uber drivers?

When we know we're going to be using Uber we try to have some 1$ bills to tip them. Usually 2-3$ depending on the fare. I've tipped 5$ for airport routes when they help with baggage and all that.
by awval999
Mon Jul 04, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 3597

Re: How to negotiate result of big item home inspection

It is not reasonable.

If they work. They work.
by awval999
Fri Jul 01, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: citi double cash CC, any signup bonuses out there
Replies: 1
Views: 277

Re: citi double cash CC, any signup bonuses out there

There are no public sign up bonuses; only the occasional "direct mail" individual offers.
by awval999
Fri Jul 01, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 26180

Re: Where were you financially when you were at 30?

The hardest thing for new posters to understand; is that this forum is composed of the creme of the crop savers. Literally, the 1% of savers. Just like a bodybuilding forum is composed of the most devout and diligent workout-a-holics, or the gardening forums is composed of gardeners with the nicest ...
by awval999
Wed Jun 29, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 26180

Re: Where were you financially when you were at 30?

me (30): married student loan remaining: $58k car loan remaining: $2k mortgage: $180k (house value ~$215k) income: $115k, stable, will only receive COA adjustments savings: cash ($4k) + roth ($6k) + 403b ($120k) Have dialed back 403b contributions (still getting up to the match) and going crazy on t...
by awval999
Sun Jun 26, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company
Replies: 34
Views: 3810

Re: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company

There should be a local cable company that has a monopoly on your area.
by awval999
Thu Jun 23, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4886

Re: College and beyond without a credit card?

I didn't have a personal credit card until I came to the USA at age 27. I quickly realized that in the USA a credit score is something that you are going to need and a credit card was the best way to get started. Also credit cards provide better consumer protection than debit cards. Starting off as...
by awval999
Sun Jun 19, 2016 7:24 am
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4886

Re: College and beyond without a credit card?

Just add her an authorized user of one of your credit cards. This will help her credit score, which is what I imagine you are worried about. Tell her to use it only in an emergency. Done. I successfully managed to use a credit card in college. It's not that hard. Young adults need to learn personal ...
by awval999
Wed Jun 15, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace Vehicle?
Replies: 20
Views: 1630

Re: Repair or Replace Vehicle?

It you replace it then you will be start out almost $5,000 ahead between what you could sell it for and not having to pay for the repairs. A big part of the decision depends on what you could replace it with. It would be good to look to see what your options are for replacing it. If I remember righ...
by awval999
Mon Jun 13, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 8170

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

I guess what I was trying to say in summary is that financial security is only a small part of life, it ensures that our basic needs are met which is important. But sometimes it seems like to me this becomes our only goal in life and we overlook more important things/experiences that move us toward...
by awval999
Fri Jun 03, 2016 7:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 962
Views: 120257

Re: What's Your Credit Card Rewards Strategy?

Say he spent $100,000 and had 100,000 SPG points and parlayed those into a stay at a really nice hotel during peak season....sure he could get $6k worth of stays. Whether it's actually worth $6k if you aren't willing to outlay the $6k in cash otherwise is another thing. This is an interesting take,...
by awval999
Fri May 27, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 962
Views: 120257

Re: What's Your Credit Card Rewards Strategy?

Chase Ink [Plus] - Phone, Internet, office stores This one has peaked my interest. Even with the $95 AF, if I use the card to simply pay our cable/phone/internet bill monthly, the card will more than pay for itself. So I would probably just keep it, set it up to autopay that bill, and occasionally ...
by awval999
Thu May 26, 2016 6:13 am
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 5842

Re: How much do you spend on trips/vacations?

By far travelling is our largest discretionary expense (myself 30, DW 28).
by awval999
Sat May 21, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?
Replies: 56
Views: 4417

Re: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?

I'm sorry. I just completely disagree with the majority of this board. 20% is just as arbitrary as 10% or as 50%. Making sure the monthly payment is reasonable an you're not overbuying the house is more important that what you put down. I bought my house with 5% down (from a 403b loan no less). Equi...
by awval999
Fri May 13, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Picture...too many?
Replies: 15
Views: 2706

Re: Credit Card Picture...too many?

And the entire premise of the OP is hilarious to myself and many of the CC reward chasers on the forum.

I mean, like I have 13 credit cards, my wife 10. And I'll keep applying until they cut me off.
by awval999
Thu May 12, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Picture...too many?
Replies: 15
Views: 2706

Re: Credit Card Picture...too many?

You can product convert a Slate to a Freedom Unlimited. You won't get the bonus.
by awval999
Sat May 07, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Frequent Flyer Miles - taxable?
Replies: 21
Views: 2577

Re: Frequent Flyer Miles - taxable?

It's my understanding that, when it comes to potential tax consequences of frequent flyer miles, there's a difference between miles that are simply given in exchange for opening an account/credit card...and those that are awarded as a result of miles flown or purchases made. My question: If you rec...
by awval999
Mon Apr 25, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the "waiting game"
Replies: 32
Views: 4993

Re: Dealing with the "waiting game"

Money shouldn't be your purpose in life. It's just a part of being responsible to plan for being financially independent when you may be unable to work. If you get your financial plan set and are depressed because you can't press the fast forward button so that you're instantly old but have no need...
by awval999
Sun Apr 24, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Down payment or paydown student loan?
Replies: 4
Views: 424

Re: Down payment or paydown student loan?

You can buy a house with less than 20% down. My wife and I bought a house with 5% down (from a 403b loan no less). You can do both. Student loan debt is toxic. It needs to be paid down and quickly. But if you see yourself staying in a place for at least 7-10 years, and the price of a mortgage+taxes+...
by awval999
Sun Apr 24, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: late 30s, what career or new degree
Replies: 24
Views: 3632

Re: late 30s, what career or new degree

... I've come to realize sales/business is not what I want to do. I can do it, but I don't have any passion for it. I want to start again and do something I can enjoy for the rest of my life.... Great if you can do this without disadvantaging your family. But with a family including two small kids ...
by awval999
Sat Apr 23, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 9295

Re: Relocating to a tax free state with good weather need advice

Getting back to the original question though, I'd still love a suggestion of one town or city in an income tax free state with twelve months of "nice" weather (temperate and sunny) as it would avoid the hassle and expense of two residences. I haven't found it yet. Because it doesn't exist...
by awval999
Wed Apr 20, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 6311

Re: A Month in Manhattan

Has anyone done a nice food walking tour in NYC? I'm going in July, and would like to book one. Also, I'll be there over July 4th. Where do New Yorkers see fireworks? Not to hijack the thread... Foods of NY. http://www.foodsofny.com/ It's TripAdvisor #1 We do one every year on our trip to the City....
by awval999
Fri Apr 08, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2794

Re: Stay in city or move out to suburbs?

There should be a middle ground. That's what we chose.

Rented first in the center city. Then rented in the exurbs. Ended up choosing in an inner-ring suburb with great walkability. Fast commute to work. Great schools. Again we paid a premium in price per sq ft. But it is what it is.

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