Search found 44 matches

by Balefire
Wed Sep 19, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 203
Views: 12330

Re: What is your single most expensive mistake?

Lost some investing in stocks in the early 2000s listening to my business friends. $ Bought house in HCOL in recent peak economy six years ago. Spent lots of money updating and maintaining home. Now selling home at a loss to upgrade to new house in same HCOL. $$$ More than 75k in anticipated losses....
by Balefire
Sun Sep 16, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2383

Re: Solar Install w/ SolarCity

pondering wrote:
Sat Sep 15, 2018 9:34 pm
Is there anything I can put on my roof that would tell me my generating capacity that doesn't cost a lot of money?
https://www.google.com/get/sunroof#p=0
by Balefire
Sat Sep 15, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 28
Views: 2808

Re: Single Family Homes in Chicago?

South loop?
None of my friends in the city would recommend living there if you have kids.
Hinsdale, Western springs, Clarendon hills are some other close suburbs choices within short reach of downtown via train with excellent public schools for kids
by Balefire
Sat Sep 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2383

Re: Solar Install w/ SolarCity

Where do you live?
What's the approximate 1st floor SQ footage of your house?
Why is the generator deducted from the cost?


Considering putting Tesla solar panels when I build my next house so thanks for the math example
by Balefire
Sat Sep 01, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Contemplating trading in a 2-year old car with <25k miles...
Replies: 23
Views: 1711

Re: Contemplating trading in a 2-year old car with <25k miles...

The car is a mistake. You probably drive it every day. You shouldn't suffer. I just checked cars.com. Comparable 2017 Forester with high mileage are selling for 19k and up. So the Subaru guaranteed trade in at 21k is a very good one, esp considering you reduce your sales tax. I say go ahead and get ...
by Balefire
Wed Aug 22, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4088

Re: relationship issues - advise needed

Read or listen to the five love languages by Gary Chapman. A lot cheaper than a counselor
by Balefire
Mon Aug 13, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3084

Re: Should I Do This? [borrow from relative to pay off loan]

I have been in the other shoes (as a lender) several times with family members. Most of the time the outcome is good and they pay me back ... The scenario is a win for the lendee and a possible win or lose for the lender... Few tidbits 1) the lender has to treat it like a gift psychologically. If th...
by Balefire
Fri Aug 10, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2543

Re: Buying used car - advice requested

Nissan leaf will not make a 40 mile trip safely in the winter. Winter weather loses 25 to 50 % range. Battery severely erodes over time. Hyundai and Kia have traditionally not been known for good quality more than 100,000 miles. Buy the newest you can afford. Consider a base Mazda 3. I purchased a 2...
by Balefire
Wed Aug 08, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 66
Views: 15755

Re: Anyone else decided not to finish med school?

Husband of my colleague finished med school, but never did residency and joined pharma instead. He is doing very well but to this day has regret about not doing residency. He is 8 years out and feels there is no going back now... My cousin finished med school and family practice residency. And she n...
by Balefire
Mon Aug 06, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 3180

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

I have replaced my tires on both my Tesla without issue at my local Firestone. Maintenance plan is optional and I never took it. Never thought I needed it. I have had some fender benders on both my Tesla. Never had any issue getting them fixed in 1 week. My 2 cents. I think Tesla is cheaper to opera...
by Balefire
Thu Aug 02, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 19
Views: 2613

Re: "Personal Capital" program

I like seeing everything at a glance with this app.
Convenient.
My wife loves it too.
I rarely get called about the advisor. Less than once a year.
Every other month or so I have to update the passwords even though they don't change.
That's about the only hassle.
by Balefire
Wed Aug 01, 2018 5:17 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 46624

Re: MoviePass-Too good to be true, but it's legit.

I just cancelled.
Ridiculous terms of service.
Made it impossible to see any good movies this weekend
This stock is headed for bankruptcy.
by Balefire
Fri Jul 20, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Financial Plan: PGY4 Orthopaedic / PGY4 ENT Residents
Replies: 11
Views: 796

Re: Advice on Financial Plan: PGY4 Orthopaedic / PGY4 ENT Residents

I wish I found this site during residency... My short advice is beyond the usu boglehead philosophy 1. Live like a resident for as long as possible. Even if it is just a few years. I wish I did this in hindsight as an attending. 2. Avoid a VHCOL area if possible. 3. Practice is more important for ha...
by Balefire
Mon Jul 16, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10492

Re: Peloton spin bike worth the high cost?

I have it. Bought 4 or 5 months ago. No regrets. Has a variety of methods for motivation. At home. No driving. Live classes at super early and super late hours. Multiple competitive ways for ranking. Community. Music. Instructors. In the winter it was used everyday. In the summer it's used 3x per we...
by Balefire
Sat Jul 14, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 13
Views: 1440

Re: Choosing a Used Car Model

Mazda CX9.
3 rows.
AWD option
More luxury than Honda pilot and Toyota Highlander.
Drives like a car.
I've owned two and both were bulletproof reliable.

There's no harm in test driving.
That's what convinced my wife to get it.
by Balefire
Sat Jul 07, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3762

Re: Anyone Tried Costco Travel Packages?

I have used Costco several times for travel.
If there are promotions, the rates are often cheaper than DIY. But that is not always the case
by Balefire
Wed Jul 04, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2664

Re: Surface Pro(2017) vs 10.5" iPad Pro

I've had a surface 1, 2, 3, and now use a SP4. Had a variety of iPads and Android tablets which have not been used since I have a surface. For light browsing, my family and I all just use our phones. Tablets like the iPad are a dinosaur that will be soon forgotten. The surface is a truly all purpose...
by Balefire
Wed Jul 04, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4240

Re: Tire experts? Can I trust a patched tire?

Did you drive 10 miles on the highway after the nail?
How did you know their was a problem? Tpms?

If highway driven with low pressure the sidewalls can be permanently damaged.
However any reputable tire shop will inspect for this prior to patching.
by Balefire
Tue Jul 03, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3054

Re: How Not to be a Slave to my Wood Deck?

I have been repainting my wood decks every year or every other year. My next house will not have a wood deck
by Balefire
Tue Jun 26, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2288

Re: Reason for Airlines horrible ticket policy

I fly SWA for many of the same reasons. And I rarely check bags and rarely change or cancel flights. Mostly for principle. I use the frequent flier SWA card as my primary card even though this is probably not a boglehead move. Southwest cannot make London because they have a policy of only flying 73...
by Balefire
Sun Jun 24, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4339

Re: Looking for Mazda CX-9 Feedback

I had a 2008 cx9 and I currently still have a 2011 cx9 which I gave to my parents. Very happy with both. Never any issues. Just maintenance. Mazda in general is more performance oriented compared to Toyota. I am a big Mazda enthusiast overall and have owned several others including a Miata, rx8, and...
by Balefire
Sun Jun 24, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3783

Re: Front load washer gross moldy gasket

That's why I switched to top loader. Newer isn't always better
by Balefire
Thu Jun 21, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Anyone use a WiFi enhancement product?
Replies: 14
Views: 1301

Re: Anyone use a WiFi enhancement product?

I too have up on extenders.
Switched to mesh system.
Very happy
by Balefire
Sun Jun 10, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1781

Re: House sale by owner - Problems & Pitfalls?

I did FSBO in 2013. Two showings in three months. No offers I then gave up and used a discount broker. Same price. Same pictures. 20 showings in one week. Offer in 1 week I'm listing my current house with a discount broker. I'm pretty sure in most areas realtors discriminate against both FSBO and re...
by Balefire
Tue May 29, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10492

Re: Peloton spin bike worth the high cost?

Happy with my peloton cycle. Got rid of our gym membership that I never used since I work too much. I use it if It's raining outside It's freezing outside My legs need a break from running I feel competitive and just wanna do really well on the leaderboard I wanna take a live class My running workou...
by Balefire
Mon May 28, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7945

Re: Tesla Autopilot, worth it?

Both the Tesla model S and the model X are the safest cars in their class respectively.
One of the many reasons we got both.
Their are also articles of accidents with Tesla vs other cars.
Usu Tesla occupants are hardly scathed while the same is not true of regular ICE cars
by Balefire
Mon May 28, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3705

Re: Cruise ships for multi-generational family

Disney. You won’t scratch the surface of things to do onboard. For any age group. Agree. We recently did the Disney cruise with my parents, her parents, and my kids. Every one loved it. Would do again except paying for everyone was certainly not boglehead recommended Disney cruises are more expensi...
by Balefire
Sun May 27, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7945

Re: Tesla Autopilot, worth it?

I'm very happy with my autopilot. Highly recommend. Useful when I'm sleepy. Useful on long trips. Useful on the highway. Useful in traffic. Not useful in town. Not useful if construction Not useful if highway not clearly marked I wouldn't pay for the fully autonomous upgrade since my gut says their ...
by Balefire
Sat May 26, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 3106

Re: Near commercial level treadmill

Peloton Tread?
I've been happy with the Peloton cycle so far
by Balefire
Fri May 18, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1517

Re: Max Out 457B and 403B at Hospital/University?

You're fine. The 402(g) and 457(e) limits (both 18.5k in 2018) are always separate. There is categorically no situation in which an individuals elective deferrals to 457s (summed across all one's employers) are required to be combined with those for 403b plans (again summed across one's all employe...
by Balefire
Wed May 16, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2864

Re: Am I working with the wrong realtor?

Redfin.
Used them.
Happy with them.
If you know the area, save yourself some money and use redfin
by Balefire
Mon May 07, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2073

Re: Another Car Keep/Buy Question

Ive leased a few times. Agree with above. The most fiscally responsible thing is to complete the lease before buying it out or trading it in. If you are really unhappy and would like to splurge and transform it from a mommy mobile, consider getting a new set of wheels and tires that are bigger. When...
by Balefire
Mon May 07, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109343

Re: To take or not to take delivery of Tesla 3

Do you have any experience using the i3 with kids and car seats? That's our biggest concern at this point. The early i3 had difficulty with maintaining speeds on mountains. Make sure you do a thorough test drive with a full car on a hill before committing. My wife hated the interior too, but I didn...
by Balefire
Mon May 07, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109343

Re: To take or not to take delivery of Tesla 3

I have a Tesla Model X and previously owned a Model S. Needless to say, I'm a big fan boi. I wouldn't recommend purchasing a Model 3 right now. It is too expensive for a 310 mile version with AWD. There are also issues of quality control for any car within the first several months after production. ...
by Balefire
Mon May 07, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 2966

Re: New car for my wife

I'm a big fan of Mazda and Ive bought several for my family. No reliability issues at all. Just routine maintenance. They have for the past several years had the highest MPG average for automakers without having any electric or hybrid cars. Their Grand Touring level of luxury is as good as any Lexus...
by Balefire
Sun May 06, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 9212

Re: What career for smartest kid in the class?

Calvin Coolidge Read more at: https://www.brainyquote.com/quotes/calvin_coolidge_414555 KlangFool Thanks for quote. Never heard it before but agree with it. My kids do very well in school. I encourage them to pursue whatever dream they have including medicine. Hopefully their talent and hard work i...
by Balefire
Sun May 06, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6637

Re: Comparing 2 physician jobs

YOLO.
There is more to life than money.
I'd pick a job where you will be happiest.
Both of those offers you will do fine financially in the long run
by Balefire
Tue Apr 10, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 5175

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the...
by Balefire
Tue Apr 10, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2685

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

We did our first cruise.
It was Disney.
It was very fun.
Children 10 and 11yo.
Water parks
Theater
Movies
Pools
Slides
Food
Games
No end to fun
by Balefire
Mon Mar 19, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: TV that is flush to wall
Replies: 17
Views: 2297

Re: TV that is flush to wall

The Samsung Q7 may also fit the bill at a significantly lower cost than the new Wallpaper model
by Balefire
Mon Aug 07, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2995

Re: Advise on house selling

I've bought two houses without a realtor but have yet to sell one without using a realtor though not from lack of trying. It is a lot of work doing an adequate amount of advertising. The vast majority of the people don't understand buying a house privately and thought I was trying to scam them some...
by Balefire
Tue May 09, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 40
Views: 5750

Re: Accidental landlord turning to for sale by owner

Tried FSBO for 3 months in 2013.
Used all the regular FSBO avenues.
Only two showings.

Then used a discount broker.
4.5%
Like 20 showings.
House sold in 1 week.

Wise choice using a broker
by Balefire
Thu May 04, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 5115

Re: Car Warranty Lies

Agreed, minor life lesson. But this forum has reshaped my financial life for the better so all is well. Now just to find the best deal (assuming I opt for one) on a cheaper plan with adequate coverage. Bought an extended car warranty before on my first Porsche. Never used it. Never bought one since...