Search found 234 matches

by fasteddie911
Mon Jul 08, 2019 10:22 am
Forum: Personal Investments
Topic: Should we invest in an island home?
Replies: 25
Views: 4093

Re: Should we invest in an island home?

I think it's a bit risky buying a home with plans/hope of using it in the future. A lot can change in 5-10yrs, on your end or in Kauai. I had family that used to live there. Kauai itself has changed a bit in the past 10-20yrs, who knows what it'll look like in the future. The effects of tourism, glo...
by fasteddie911
Mon Jul 01, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 4730

Re: HCOL vs LCOL Dilemma

I've spent time in both areas and know folks who live in both. SoCal is the easy answer by far. With the 250k trim on your salary, how much better financial position will you really be in? I ran the numbers quickly in my head and I actually don't see how it'll be a financial advantage to move, it'll...
by fasteddie911
Sat Jun 29, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5955

Re: Relocate to Seattle or NYC

Seattle easily. Primarily for the natural beauty and proximity to outdoor activities. But that's what I enjoy and am not a big city person, especially the NYC area. The second factor is proximity to family and friends.
by fasteddie911
Sat Jun 22, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4259

Re: Anyone moved cross country. How did you manage to do it without going nuts??

I've had to do this a few times over the years and certainly having less stuff, no car (moving to/from a walkable city), being a renter, no kids, etc. made things much easier. In my earlier moves, I would sell the big items or leave curbside (usually ikea pieces), and move everything with a couple s...
by fasteddie911
Sat Jun 22, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15810

Re: what was your worst major purchase? mine is a 2019 mazda3

As someone considering the 2019 Mazda3, which has gotten great reviews so far, this caught my eye. But it sounds mostly cosmetic, relatively minor and the dealership is taking care of it. Annoying but not terrible. If that's your worst major purchase in life, then you've done pretty good.
by fasteddie911
Tue Jun 18, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6472

Re: How to avoid high vet bills?

We just did a physical on our dog as well and had the same things done as you did, the bill was: $20 fecal exam $30 heartworm test $50 exam $20 bordetella $25 lepto ------------- $145 total This is a non-fancy multi-vet clinic in middle/upper middle class neighborhood. You can try to shop around for...
by fasteddie911
Fri Jun 14, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner [puppy]

Got a puppy a year ago. He's been an amazing addition to our family. Our vet charges $50 per visit, vaccines, tests, etc. are extra on top of that. I find vet bills reasonable. Money is little to no object when it comes to our pup. We got pet insurance, healthypaws. We blasted thru the deductible th...
by fasteddie911
Sun Jun 09, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 741

Re: Road trip Salt Lake To Vegas November

We drove into a snow flurry in Bryce Canyon in May a few years ago, but not a big deal. Not sure if you setup your itinerary already, but I'd recommend zion, bryce, rt 12 to Capitol reef then Moab. We did this along with areas in CO and AZ, and it was honestly one of our most memorable trips. Very s...
by fasteddie911
Sat Jun 08, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6175

Re: Suggestions on fraudulent medical bill

Accusations of fraud right of the bat are a bit much. I doubt the doctor does their own billing, so I wouldn't really blame them. I agree what others above wrote. It's not a big deal and I'd pay it and move on. Maybe it's technically incorrect, but I'm not sure of the rules regarding ER to hospitali...
by fasteddie911
Fri Jun 07, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Prius vs. Ioniq (Toyota vs. Hyundai)
Replies: 10
Views: 1160

Re: Prius vs. Ioniq (Toyota vs. Hyundai)

Not what you asked but I'd consider the corolla hybrid over both of them, primary based on style alone.
by fasteddie911
Thu Jun 06, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1715

Re: Resort vacation w/ 6 month old...?

I'd wait until the baby comes before making any non-refundable plans.
by fasteddie911
Thu May 23, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 23
Views: 2060

Re: Changing from owning to renting a home for retirement

I think moving out of the HCOL area is a good move and being close to family is an additional plus, for your sake and their sake. Moreover, the way you talk about your mom and brother, it even sounds like living with her may be the best move right off the bat, as long as you're ok with it. You can l...
by fasteddie911
Sat May 18, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5568

Re: Guidance on choosing between UMich and Brown

I went to a large State U similar to UM then transferred to small, expensive liberal arts U similar to Brown. I can't comment on academic prestige as well as others but imo it's a coin toss. I think both are well-regarded and probably other parts of their resume will determine the outcome more than ...
by fasteddie911
Sat May 18, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7231

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

I drive a compact suv and financially it's nearly the same as a midsize (camry, etc.) and slightly more than a corolla but I've come to like the elevated sight-lines, space and safety (which apparently is not so cut and dry). I also thought the size would make me more comfortable on the road in an a...
by fasteddie911
Fri May 10, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 11729

Re: College Expenses

I think undergrad and med schools can be a crapshoot. MCATs, extra-curricular, GPA, interview, career interests, etc. can all be factors. I know a Harvard grad that didn't make it into State med school while grad from unranked State school did. I'm not sure I'd give up a full-ride to UVA (#25 USnews...
by fasteddie911
Wed May 08, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6978

Re: Island life?

The last time we visited Hawaii I thought it was comical when I saw a contest being advertised where the prize was a trip to Las Vegas. Why would anyone want to win that when they’re already in paradise? It’s called the 9th island. Something about Vegas makes it very attractive to Hawaiians for vac...
by fasteddie911
Wed May 08, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6978

Re: Island life?

Have friends and family in hawaii, including retirees, though most of them born and raised there. I've spent lots of time there (vacations, summers, etc.). Living there is different than visiting. There can be a honeymoon period for sure and its length probably correlates to where you're moving from...
by fasteddie911
Tue May 07, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8856

Re: How do YOU make coffee?

French press w/ pre-ground coffee. Considering grinding my own beans but not sure if it's worth the cost and if I'll notice the difference. Looking into the baratza encore, not interested in hand grinders right now.
by fasteddie911
Mon May 06, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 11729

Re: College Expenses

Definitely true; I'm not saying my friend's experiences are universally applicable. I know of many people who attended "low-tier" institutions and are at the top of their field. I merely wanted to provide a different perspective than other posters, since almost everyone on this forum is either a pa...
by fasteddie911
Sun May 05, 2019 6:32 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6356

Re: College/life prep for young kids

Lots of great advice here I'll take with me. Reading all this and I have no idea how I came out ok, my parents were pretty hands-off and did little of the things folks have mentioned and I turned out ok. I guess I just kind of figured it out on my own. Interestingly, my spouse and their siblings wer...
by fasteddie911
Sat May 04, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3255

Re: Birthday party- No gifts

Not for a kids bday, but I've been the one to ask for no gifts before and found it a bit annoying when people still brought a gift. I've also been to no-gift parties empty-handed only to see other people bringing gifts and it felt awkward, but I wouldn't have done anything differently. I say respect...
by fasteddie911
Thu May 02, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 8
Views: 1015

Re: How much life insurance?

I think you should sit down and run the numbers for your specific situation. What kind of lifestyle you want for your family, debts, housing, college, etc. Take into account savings rate, inflation, survivor benefits, etc. We have no idea where you stand financially, what you spend, what you and you...
by fasteddie911
Thu May 02, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Babymoon?
Replies: 36
Views: 2936

Re: Babymoon?

To echo others, you can't plan pregnancy or anything that happens during it. You only hear people talk about the good or easy pregnancy stories, but never the bad ones. I'd suggest just travel as you please and live your life, if things happen or change then you can adjust. But I don't think it's ne...
by fasteddie911
Thu Apr 11, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1241

Re: Contact lens solution

My optometrist recommended biotrue, so I get the 2x16oz bottles from costco for $16 on sale, regular price $20. I load up on a few boxes when they go on sale and when I have a couples bottles left, I start checking the prices everytime I go to costco and load up again when the price drops.
by fasteddie911
Sun Apr 07, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 4900

Re: Grand Canyon and Sedona

I've visited all those areas and did the drive from South Rim to Hoover Dam to Vegas. I'd consider flying into vegas Sunday late afternoon, spend the night there, head to Hoover and GC the next morning. Vegas you can see a show and eat good food. The drive is fairly long, your flight could be delaye...
by fasteddie911
Sun Apr 07, 2019 6:54 am
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 3340

Re: How Much Term Life Insurance?

You have to run the numbers. Expenses, savings, etc. Everyone is different. If one or both of you were to die tomorrow, how much would would you need/want to survive. Or if death occurs in 5yrs, 10yrs, etc., taking into account savings, inflation. Would the surviving spouse still work? Don't forget ...
by fasteddie911
Thu Apr 04, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 2915

Re: Anxiety about car/house purchase

I think maybe part of it is the spending on a "luxury" purchase when something cheaper would've done the same job, and overall finding value in dollars spent. Having said that, it's hard to say because I think we come from very different places. You have $1.5M at age 30, which is out of the ordinary...
by fasteddie911
Thu Apr 04, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 15
Views: 1865

Re: Help With Travel to Prague - Vienna - Budapest

Did Vienna and Prague. 3 days should be plenty. We did 3 in Vienna and 2 in Prague. Prague is fairly small and felt even 2 was enough, ymmv. As for things to do, Vienna has ring road, walking around within it and Schonbrunn. Prague has the Charles bridge, castle and is just a nice town to walk.
by fasteddie911
Thu Apr 04, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: 4 days in Munich, Germany
Replies: 28
Views: 1745

Re: 4 days in Munich, Germany

Just walking around Munich was great. Walk around the park, the chinese beer garden was fun. Olympic park, bmw factory. Dachau. Neuschwanstein Castle I felt was fine, depends on how interested you are. We were, so we took the train+shuttle, walked up to the viewing bridge, walked back down and looke...
by fasteddie911
Wed Apr 03, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6905

Re: Boglehead teachers or those married to one: some questions about career and life...

here's the rub. her, nor i, particularly love the area we live in. additionally, as a young couple it can feel a bit suffocating being tied to an area for the next ~25 years due to a job - though family is in the area as well (a biggie, we know!). This stuck out to me. I'm not a teacher but I went ...
by fasteddie911
Wed Apr 03, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: At a crossroad - Expensive House or Private School Tuition?
Replies: 68
Views: 4226

Re: At a crossroad - Expensive House or Private School Tuition?

Financially it's basically a wash. In the end you could have a $1M house to your name instead of 700k, but if you add in the cost of higher maintenance, renovation, taxes, etc., it may break even too. I'd consider other factors. Location, neighborhood, proximity to amenities, commute, etc. School f...
by fasteddie911
Tue Apr 02, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: At a crossroad - Expensive House or Private School Tuition?
Replies: 68
Views: 4226

Re: At a crossroad - Expensive House or Private School Tuition?

Financially it's basically a wash. In the end you could have a $1M house to your name instead of 700k, but if you add in the cost of higher maintenance, renovation, taxes, etc., it may break even too. I'd consider other factors. Location, neighborhood, proximity to amenities, commute, etc. School fa...
by fasteddie911
Wed Mar 27, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1667

Re: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)

I might even consider going up to Page, AZ after GC to see antelope canyon, horseshoe bend. Then driving across to see monument valley then Mesa Verde. You can venture up to Durango too. Then make your way down to Santa Fe and thru texas. Take a few more hours but well worth it imo.
by fasteddie911
Tue Mar 26, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - hypothetical
Replies: 58
Views: 5789

Re: Early retirement - hypothetical

Also consider having a good life and disability policy on the working spouse. Certainly you could go back to work but you might have a difficult time re-entering the workforce or just may not want to. If you can afford it, it maybe be worth it. If you already have it, maybe re-evaluate your needs.
by fasteddie911
Mon Mar 25, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - hypothetical
Replies: 58
Views: 5789

Re: Early retirement - hypothetical

Interesting perspective, sounds like you're quitting or going part-time to be a stay at home parent, not sure that's retiring and certainly not out of the ordinary. In any case, you have ~700k b/w the two of you, your expenses will be 55k or less. With your spouses salary of 105k you should be more ...
by fasteddie911
Wed Mar 20, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4906

Re: College for average kids

I think college can still work for average students. I know people who blossomed in college and became doctors, lawyers, etc. Others who were average in college and still made a career for themselves in whatever, including engineering and the like. While others who crushed high school and college bu...
by fasteddie911
Wed Mar 20, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3237

Re: A used Camry or brand new Corolla?

Also consider the hybrid versions of these cars. Test drive them all and see how you feel. As someone else pointed out, the cost difference over time may not be all the different or advantageous between the 2.
by fasteddie911
Tue Mar 19, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3546

Re: What are the purposes of your travels?

To visit friends and family or to see something specific. Many of my trips are nature (roadtrips, national parks, etc.) others are to visit cities. Food is a nice perk in the cities but not necessary. Culture is fine as well, as it can pertain to what I'm seeing or eating, but "everyday" culture is ...
by fasteddie911
Sat Mar 16, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Time to Buy Another Car - New/Used & Financing Question
Replies: 8
Views: 991

Re: Time to Buy Another Car - New/Used & Financing Question

1) With your usage, keeping a car 25yrs wouldn't be unrealistic and would likely be outdated on features or style at that point more so than dying on you. A used car few years old with 30k-50k on it would probably make it. However, with that long a ownership period, the cost of the car per year used...
by fasteddie911
Tue Mar 12, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Can or should we afford this house
Replies: 62
Views: 4402

Re: Can or should we afford this house

I live in a HCOL area, in a similar age and life stage as you, and I'd continue renting until the future becomes clearer. The picture with kids is unknown as others have suggested, things don't always go as planned. Husband job stability for next few years gives me pause. Also, future commitment to ...
by fasteddie911
Mon Mar 11, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3217

Re: Are academic enrichment courses for school age kids worth it

Both my spouse and I did this stuff, can only speak to that perspective, but it certainly wasn't to the extent kids do it now. Kumon, language schools, SAT prep, etc., we hated it all, didn't think it was worth it or even helped and don't regret quitting. IMO, I think these activities serve to make ...
by fasteddie911
Sat Mar 09, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Genetic Testing
Replies: 29
Views: 2262

Re: Term Life Insurance and Genetic Testing

I would think that even w/o a medical exam, if one doesn't disclose they are pregnant or aren't entirely truthful in their application, the company can hold that against you and not pay out.
by fasteddie911
Fri Mar 08, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Genetic Testing
Replies: 29
Views: 2262

Re: Term Life Insurance and Genetic Testing

Probably someone more qualified could answer better, but I would think it depends on what they're testing. For those tests I'd think even if she were a carrier but hasn't had health issues as an adult, they may just ignore the results. However, that testing seems outside the standard of care but if ...
by fasteddie911
Thu Mar 07, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Retirement question about grandchildren
Replies: 28
Views: 3562

Re: Retirement question about grandchildren

I think it's easy to stay relatively close to teens, maybe seeing them less frequently but still more than if you moved away. It'll be their parents job to make sure that happens. I lived near my grandparents growing up,saw them often when younger and slightly less often as I got older, but still ma...
by fasteddie911
Thu Mar 07, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Genetic Testing
Replies: 29
Views: 2262

Re: Term Life Insurance and Genetic Testing

If we're talking about the NIPT, I'm not sure how that could affect life insurance as that tests the baby more than the mother, but I could be wrong. I wouldn't put the NIPT on hold to do insurance anyway, I'd just keep moving forward with both and see what happens.
by fasteddie911
Wed Mar 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 5490

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

Have a 2016 cx5 that we enjoy. Would choose the 2019 cx5 in a heartbeat on style alone.
by fasteddie911
Tue Mar 05, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10962

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

Depends where you're going and what you're doing there; an outdoorsy place, city walking, etc. For that long a trip i'd plan on doing laundry mid-trip, but generally I'd do: 8-10 underwear 2 bottoms (2 long or 1 long 1 short) 6 tops or so that you can mix-match and rewear (button-ups, polos, short/...
by fasteddie911
Mon Mar 04, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10962

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

Depends where you're going and what you're doing there; an outdoorsy place, city walking, etc. For that long a trip i'd plan on doing laundry mid-trip, but generally I'd do: 8-10 underwear 2 bottoms (2 long or 1 long 1 short) 6 tops or so that you can mix-match and rewear (button-ups, polos, short/l...
by fasteddie911
Sat Mar 02, 2019 5:33 am
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7255

Re: BH could you live off your SS benefit?

Too young to receive SS here, but my parents live in a HCOL area and could comfortably live off their SS. Dad was high earner, mom wasn't. I'm not sure their exact benefit amount. But spending wise; paid off home that they spend little on (could use upgrading though), one 10yo car, never eat out, do...
by fasteddie911
Sat Mar 02, 2019 5:26 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8430

Re: Priority boarding - Why?

Primarily for overhead space. I would get anxious/annoyed about it as it would be 2 of us sharing one overhead space when I would see one person put multiple items overhead. I carry-on specifically to avoid having to put my stuff under the plane. So now we just use bags that can fit under the seat a...