Search found 6 matches

by skis4hire
Fri Oct 25, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15158

Re: I no longer plan on retiring early

Congrats! To me this is the "FI" portion of FIRE.
Gain financial independence and then you can work on your terms.
From what I've seen, the MD profession will easily allow you to do this part time work which is a huge benefit not always available in other businesses.
by skis4hire
Wed Oct 16, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3858

Re: HVAC fan ON or auto?

If your ductwork is all within the insulated building envelope then I would consider running the fan more often - always on may be a little extreme. It sounds like the issue you're facing is due to your house not being insulated and/or air sealed to modern standards, which would not be unusual for a...
by skis4hire
Tue Oct 08, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: How to connect various old hard drives
Replies: 7
Views: 1029

Re: How to connect various old hard drives

If you're just wanting to discard the drives there are ways of wiping the data (large magnet) or rendering the drive inoperable (literally just take it apart with a screwdriver). If the drive is really old and you want to get data off it - assume the drive will only power-on once and then die. So be...
by skis4hire
Tue Oct 08, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7805

Re: Should I sell or keep my 5 year old depreciated Tesla

a new Accord or equivalent wouldn't save me anything at this point The frugal way to view car ownership is to only replace your car if replacing it is cheaper than keeping it. Luckily for you, a 5 year old Tesla is just starting its usable life, you should assume it will be good to 15+ years and 20...
by skis4hire
Sun May 19, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1775

Re: Best credit union for mortgage?

I would make two points, writing this assuming 1st time home buyer. 1.) Ask yourself what rate premium you are willing to pay for a higher chance that your mortgage won't be sold. I suspect few if any CU/bank will put it in writing that they won't sell or transfer your servicing. In 15/30 years, a l...
by skis4hire
Thu Oct 11, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4801

Re: New Car: No Collision/Comprehensive?

I think the main thing is to shop around. I've found vastly different prices between carriers, and also between markets with the same carrier. I had Geico, and when I moved to another state, their new quote increased by 2-3x. I found I could roughly match my old rate by switching to Progressive. I'v...