Search found 62 matches

by Balefire
Mon Dec 31, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 9054

Re: How to afford a sports car?

There are plenty of used dream cars within the affordable realm less than 20k and some less than 10k.

C5z06
986 Porsche boxster
996 Porsche 911
Mazda RX8
Mazda Miata
by Balefire
Mon Dec 31, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Low maintenance yard - new home and HOA
Replies: 27
Views: 2183

Re: Low maintenance yard - new home and HOA

cheese_breath wrote:
Mon Dec 31, 2018 5:38 pm
Rocks and artificial turf.
+1
by Balefire
Tue Dec 18, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5936

Re: Kid schooling - not learning much academically. Looking for suggestions.

Agree with isabelle77. You won't really know how talented or gifted your kids are until after puberty. If you want to support them, supplementing their non challenging school load with your own is what we did throughout our kids grade school. You could consider moving to a better school district. We...
by Balefire
Wed Nov 28, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Leasing a Honda Clarity (all electric) good idea or not?
Replies: 5
Views: 628

Re: Leasing a Honda Clarity (all electric) good idea or not?

The clarity EV gets 89 miles range. The clarity hybrid gets 47 miles range. It is a large sedan EV which is bigger than the i3, Nissan leaf, Chevy bolt. The 199 lease is a good deal on a full size sedan. A boglehead however would get a used BMW i3 or Nissan leaf which can be had for very cheap, less...
by Balefire
Wed Nov 21, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort with 9 year old?
Replies: 16
Views: 2108

Re: All inclusive resort with 9 year old?

We recently took our kids age 10 and 11 to Hard Rock in Punta Cana Dominican Republic. Food was above average but not great, esp given my wife's celiac disease. However the kids loved it. We recently also took our kids on a Disney Cruise. They loved that too. The food was better on the Disney cruise...
by Balefire
Sat Nov 17, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3307

Re: Any space heaters that automatically maintain a temperature in a room!

I have the Dyson AM09 that I got on black Friday last year.
Best space heater ever.
And the temperature is programmable.
by Balefire
Mon Nov 12, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1977

Re: 20th Anniversary vacation ideas wanted

Boracay in the Philippines just reopened.
And everyone speaks English.
by Balefire
Sun Nov 11, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2059

Re: Best city car

Electric is ideal for short trips.
Although I'm a fan of Tesla, the Nissan Leaf is the most economical and boglehead like electric car.
by Balefire
Wed Nov 07, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7667

Re: Never thought of living in Bay Area but just got a call from Tesla

Just visited my brother and best friend in the Bay area.
Both are transplants from a similar HCOL area, Chicago.

Both are happy and have no plans to leave despite enormous family pressure to do so.

California is beautiful. If you get paid enough to afford it, I think it is certainly worth a look
by Balefire
Wed Nov 07, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5176

Re: Moving to NYC without a job

Easier to get a new job if you have a job.
And I don't mean working for Uber or Starbucks.
by Balefire
Mon Oct 22, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5452

Re: Car Dealer told us car was Certified, but it isnt

Part of the CPO process is inspecting the brakes and replacing them if wear is >50%: https://www.cstatic-images.com/image/upload/v1479143413/cpo/inspections/mazda-inspection.pdf Yes, the brake pads must be within that specification AT THE TIME OF PURCHASE! The OP has been driving the car around for...
by Balefire
Sun Oct 21, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1435

Re: 2 rental car reservations?

Turo.
Get exactly the car you want.
Even get the car delivered if you want.
I haven't used a regular car rental in years.
by Balefire
Tue Oct 16, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help me fix my life insurance situation...
Replies: 12
Views: 1333

Re: Help me fix my life insurance situation...

Also vote no life insurance.
Your kids are old enough to figure life out
by Balefire
Mon Oct 08, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness PSLF not so good
Replies: 1
Views: 463

Public Service Loan Forgiveness PSLF not so good

PSLF predictably approves less than 1%...

https://www.forbes.com/sites/camilomald ... rship/amp/

On the contrary, the NIH Loan Repayment Program LRP worked for me and funds better than 1% but requires real time and committment to research
by Balefire
Sat Oct 06, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 929

Re: pre med then med school factors

That is probably the most negative point of view possible for physicians. A more balanced outlook would include Daily gratification from helping individuals Daily gratification of technical success if procedure physician Daily gratification of working with a team (RNs, assistant to, etc) to accompli...
by Balefire
Sun Sep 23, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1979

Re: Mom needs hip revision: how can I fight on her behalf?

Each state has one or more academic referral center. I would find out which one has the most renowned surgeon for your problem.

Mayo doesn't always have the best surgeons for every problem LoL
by Balefire
Sun Sep 23, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7122

Re: Don't trust Tripadvisor reviews

I've done several reviews for TA.
Seems kinda obvious when it is a fake review.
No criticism.
Even great hotels have flaws and should be noted on review.

I have bought an adapter on Amazon with great reviews that was clearly terrible. That has been the exception thankfully.
by Balefire
Sun Sep 23, 2018 1:10 pm
Forum: Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6550

Re: Emotional Investor - I'm a mess and need help!

You are probably a prototypical OCD physician.
Find a new hobby to be OCD about.
Put all your funds in an all in one and don't look back
by Balefire
Wed Sep 19, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26196

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: 2656

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: 33
Views: 3613

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: 2656

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: 1802

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: 4262

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: 3232

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: 2680

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: 19328

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
Replies: 50
Views: 3511

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: 2822

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: 370
Views: 51386

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: Personal Investments
Topic: Advice on Financial Plan: PGY4 Orthopaedic / PGY4 ENT Residents
Replies: 11
Views: 855

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: 12368

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: 1521

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: 3996

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: 2893

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: 4386

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: 3172

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: 2388

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: 45
Views: 5427

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: 3968

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: 1408

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: 1868

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: 12368

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: 9139

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: 3984

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: 9139

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: 3403

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: Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1634

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: 2980

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