Search found 364 matches

by Erwin007
Fri May 22, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 505
Views: 18372

Re: Bird watchers – what birds are you seeing?

We are seeing red winged blackbirds, golden finches, mallards, wood ducks, double crested cormorants, great blue herons, and osprey from our dining room window/patio. If we walk down to the river we occasionally see bald eagles as well.
by Erwin007
Fri May 22, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Better to rent through Airbnb or VRBO?
Replies: 10
Views: 960

Re: Better to rent through Airbnb or VRBO?

Based on recent bad experience with VRBO not compelling owners to offer refunds for trips cancelled due to Covid, I would go with AirBnB.
by Erwin007
Sun Apr 19, 2020 12:02 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6106

Re: Issues with face masks?

I think one of the CDC’s original concerns is proving to be true. People are touching their face with unclean hands because they are fussing with their mask. The mask is primarily to prevent you from spreading it. Not touching your face with unwashed hands is protecting you from what others may hav...
by Erwin007
Mon Apr 06, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5459

Re: bogleheading my car, opinions please. From a Tesla to a Honda

Not sure if serious... Because you have a job? Driving is a 20th century concept. We are in the 21st century. So please enlighten me. How does a surgeon (that’s what the OP does), get to the hospital early in the morning to start surgery, go between hospitals or clinics throughout the day, and get ...
by Erwin007
Mon Apr 06, 2020 8:05 am
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5459

Re: bogleheading my car, opinions please. From a Tesla to a Honda

Some while back I asked if I should drive my 5.5 year old Tesla Model S, which is off warranty, into the dirt or sell it. The overwhelming consensus was to drive it into the dirt. I just had the local honda dealer offer me a straight trade for a new 2020 loaded Honda Accord Touring, MSRP $37k, prob...
by Erwin007
Mon Apr 06, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5459

Re: bogleheading my car, opinions please. From a Tesla to a Honda

Some while back I asked if I should drive my 5.5 year old Tesla Model S, which is off warranty, into the dirt or sell it. The overwhelming consensus was to drive it into the dirt. I just had the local honda dealer offer me a straight trade for a new 2020 loaded Honda Accord Touring, MSRP $37k, prob...
by Erwin007
Fri Apr 03, 2020 12:32 am
Forum: Personal Consumer Issues
Topic: Finance (premed) or Psychology (premed)
Replies: 7
Views: 612

Re: Finance (premed) or Psychology (premed)

I’m honestly not sure either of those majors is a great choice. In addition to taking classes needed to do well on the MCAT (physics, inorganic and organic chemistry, and biology/zoology), there are certain pre-requisite classes that most medical schools have in order to matriculate. So taking all o...
by Erwin007
Sat Mar 28, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9347

Re: Any Airlines Issuing Actual Refunds

I’ll give you my n=1 with Delta and Alaskan. Back in January we booked a flight to Hawaii for the end of March. About a month later I purchased upgraded seats (in cash) for the leg from Seattle to Kona, and in miles from our city to Seattle. Two days before we were supposed to leave, they cancelled...
by Erwin007
Sat Mar 28, 2020 12:51 am
Forum: Personal Consumer Issues
Topic: Rent a van from U Haul or Home Depot?
Replies: 11
Views: 873

Re: Rent a van from U Haul or Home Depot?

The Home Depots near me are $20 for the first 75 minutes. Regardless if you buy something from them or not. Also if you have "Rent a Wreck" in your area, they sometimes have good pricing. This has not been my experience. Years ago, we bought a chest freezer from Sam’s Club. All we had was a Honda A...
by Erwin007
Sat Mar 28, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9347

Re: Any Airlines Issuing Actual Refunds

I’ll give you my n=1 with Delta and Alaskan. Back in January we booked a flight to Hawaii for the end of March. About a month later I purchased upgraded seats (in cash) for the leg from Seattle to Kona, and in miles from our city to Seattle. Two days before we were supposed to leave, they cancelled ...
by Erwin007
Thu Mar 26, 2020 12:28 am
Forum: Personal Consumer Issues
Topic: Need recommendation on a trampoline
Replies: 23
Views: 1543

Re: Need recommendation on a trampoline

Your local orthopedic surgery group thanks you in advance. I would never, ever get one. I’ve seen many, horrific, life-altering injuries from trampolines, even/especially in kids, and operated on lots more. If you’re serious about doing it, the only way I would even think of it is burying it in the ...
by Erwin007
Sun Mar 15, 2020 1:15 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12594

Re: Are you still going to the gym ...

I am. I am currently rehabbing from a major knee operation, and don’t want my ultimate outcome to be compromised by not being able to work on things, especially early on in the healing process when it is easier to make certain gains. I also want to be able to do things again in a timely fashion (act...
by Erwin007
Thu Feb 27, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Vancouver area trip in Aug - 5 nights
Replies: 20
Views: 1944

Re: Vancouver area trip in Aug - 5 nights

With 5 days I think you have plenty of time to see both Victoria and Vancouver. We did a similar trip with our kids 4 years ago. We took the ferry from Anacortes over to Victoria, and then a couple of days later from Victoria to Vancouver. The ferry rides were a lot of fun. I now have a dream that w...
by Erwin007
Tue Feb 18, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 130
Views: 11268

Re: Buying a Smoker

Trying to revive this thread now that most manufacturers have released their summer 2020 lineup. I was at a big box store yesterday and about half the 'grills' are now pellet smokers. The options are endless. I currently have a Traeger Pro 575 and really like it. I need to get another electric 'smo...
by Erwin007
Sun Feb 02, 2020 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Any advantages to refinancing mortgage with original lender?
Replies: 9
Views: 935

Re: Any advantages to refinancing mortgage with original lender?

I refinanced with my existing mortgage company about 4 years ago. It was not the mortgage company I started with, as my loan got sold to another mortgage company about a year into my original mortgage. I didn’t shop around, but my quoted rate at 2.875% on a 15-year mortgage seemed plenty low. I made...
by Erwin007
Sat Jan 11, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard solo401k is very limiting (complaint)
Replies: 10
Views: 727

Re: Vanguard solo401k is very limiting (complaint)

Was this a change that Vanguard made, or has it always been like this? In other words, why did you choose Vanguard from the beginning?

I think anywhere you read Vanguard has been panned as a solo 401k administrator, compared to other places.
by Erwin007
Sun Dec 01, 2019 1:46 am
Forum: Personal Finance (Not Investing)
Topic: How much are you saving for retirement in 2019?
Replies: 82
Views: 5874

Re: How much are you saving for retirement in 2019?

Around $136-141k, depending on wife’s i401k employer contribution, TBD when our taxes are done next spring. HSA: $7,000 Backdoor Roth IRA x 2: $12,000 457(b): $19,000 403(b): $19,000 403(b) match: $9,500 Taxable account: $60,000 Wife’s i401k: $10-15,000 Doesn’t include an employer contribution to a ...
by Erwin007
Sat Nov 30, 2019 2:04 am
Forum: Investing - Theory, News & General
Topic: I'm having trouble seeing why a crash isn't time to cash in my mutual fund
Replies: 26
Views: 2907

Re: I'm having trouble seeing why a crash isn't time to cash in my mutual fund

I think you’ve got the point after some of these replies, but phrased another way, in order to maximally profit from your plan, you would need to correctly predict/guess the high value of the stock in question order to sell or get out at the maximum price, and then predict/guess the very bottom so y...
by Erwin007
Sat Nov 30, 2019 1:45 am
Forum: Investing - Theory, News & General
Topic: Yes, another International vs Domestic Thread
Replies: 212
Views: 10828

Re: Yes, another International vs Domestic Thread

The Bogle and Warren worship is a bit concerning around here. Throwing away common sense diversification out the window. Look yourself in the mirror and say, "I will stay the course when international outperforms domestic for a long period of time. I'm willing to stay out of international when it's...
by Erwin007
Sat Nov 23, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Obligated To Pay Attorney Bill?
Replies: 85
Views: 6913

Re: Am I Obligated To Pay Attorney Bill?

I think you should stiff him. I mean he only spent 5-10 minutes, right?

(Just echoing the typical advice given to questions regarding physician billing).

But really, yes you should pay him.
by Erwin007
Sat Nov 16, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Basketball hoop that can be moved in and out of garage
Replies: 20
Views: 1525

Re: Basketball hoop that can be moved in and out of garage

I live in a town house and don't have a backyard. I would like to set up a full size basketball hoop for my kid. There is some space outside of my garage. If I get a basketball hoop, we will have to drag it out of the garage every time before we use it and drag it back into the garage after we use ...
by Erwin007
Sat Nov 16, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Basketball hoop that can be moved in and out of garage
Replies: 20
Views: 1525

Re: Basketball hoop that can be moved in and out of garage

I live in a town house and don't have a backyard. I would like to set up a full size basketball hoop for my kid. There is some space outside of my garage. If I get a basketball hoop, we will have to drag it out of the garage every time before we use it and drag it back into the garage after we use ...
by Erwin007
Fri Nov 15, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 3295

Re: Garage Generator Install

I have standard 3br house, attached garage with FROG. What is FROG? (Assuming, of course, it's not an amphibian.) It stands for Finished Room Over Garage. It’s a southeastern US thing (or at least was very prevalent in South Carolina when we bought a house there). It’s basically what other parts of...
by Erwin007
Wed Oct 23, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Variable interest rate for student loans
Replies: 3
Views: 381

Re: Variable interest rate for student loans

I would do it. The rate would have to increase more than 1.34% over the next 2.5 years of planned payoff for you to be even with where you are now. Could it happen? Sure. But as you pay off more of the loan, the amount the rate would have to increase for you to be behind gets even higher if you aver...
by Erwin007
Tue Oct 15, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6649

Re: Replace water heater just because it's old?

Would you replace a 13 year old water heater that seems to be working without any problems? Many say replace every 10-12 years, especially if a leak would be a major problem. Others say wait for symptoms, such as a rusty water, a leak, rumbling. Having you ever seen a hot water heater go? Like othe...
by Erwin007
Sun Oct 13, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6649

Re: Replace water heater just because it's old?

Ours was 10 years old. One Sunday morning I got up to go to work and was in the shower and realized there was zero hot water. Our water heater is in the garage and sometimes the pilot light goes out due to wind if we have left the garage door open. I went out to the garage expecting to have to relig...
by Erwin007
Sun Oct 13, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 5556

Re: What workout equipment to get?

I bought an X-Mark weight bench and the Bowflex adjustable dumbbells (plus stand) a couple of years ago. If I remember, all in it was less than $600. Even though each dumbbell only goes up to 52.5 pounds, I still get a great workout doing a push/pull/legs program about 3 times a week. For cardio I j...
by Erwin007
Fri Sep 20, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 11048

Re: wild caught sockeye salmon

Bir48die wrote:
Fri Sep 20, 2019 10:11 am
Most of Costco's fish is farmed and some has been "colored". Even though it's the real deal they feed these with pellets and don't have the flavor of a naturally fed fish.
Do you have a source for this? Or are you just talking about the fish that isn’t labeled as “wild”?
by Erwin007
Thu Sep 19, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 11048

Re: wild caught sockeye salmon

wilked wrote:
Thu Sep 19, 2019 6:00 pm
My brother worked for years as a butcher, knows the local stores and their products / methodology. He made it clear not to buy seafood from Costco. Said other meats were fine from there though
Why?
by Erwin007
Sun Sep 15, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

I never said it was the safest. What I was trying to say is that you’d have a better probability of ending up with more money in the end if you didn’t pay off a low interest mortgage early, and instead invested the money. If the future is like the past, that's true. But we must be very careful with...
by Erwin007
Sun Sep 15, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

We can also cherry pick data that supports our point. From 2003-2012 U.S. stocks returned 8.85% annually. See how easy that was? That example does nothing. My point was that we don't know whether stocks will outperform mortgage interest rates going forward. I showed you a relatively recent 10 year ...
by Erwin007
Sun Sep 15, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

The online pay portal I use for my mortgage looks like: Minimum Payment: $1500 Extra Principal: [____] Extra Escrow: [____] The first line is grayed out. You can enter whatever you want for the second and third field. Couldn't be easier. Yes, online portals have made the process of making principal...
by Erwin007
Sun Sep 15, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

That example does nothing. My point was that we don't know whether stocks will outperform mortgage interest rates going forward. I showed you a relatively recent 10 year period where paying down one's mortgage was absolutely the superior move. Of course you can find periods where the opposite was t...
by Erwin007
Sun Sep 15, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

If we knew that stocks would outperform the mortgage interest rate over the period of time that concerns us, it would be an easy choice. But we don't know that. U.S. stocks lost -2.73% real annually from 2000-2009. By your logic, everyone should be 100% stock (higher actually due to leveraging thei...
by Erwin007
Sun Sep 15, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

Decision-making should be balanced. You have to weigh both the mathematical, quantitative facts with the qualitative. In our case, by strategically chiseling at the mortgage over time, we were able to become completely debt-free and unleash our income for wealth generation. Isn’t this a false dicho...
by Erwin007
Sun Sep 15, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

Decision-making should be balanced. You have to weigh both the mathematical, quantitative facts with the qualitative. In our case, by strategically chiseling at the mortgage over time, we were able to become completely debt-free and unleash our income for wealth generation. Isn’t this a false dicho...
by Erwin007
Sun Sep 15, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

Decision-making should be balanced. You have to weigh both the mathematical, quantitative facts with the qualitative. In our case, by strategically chiseling at the mortgage over time, we were able to become completely debt-free and unleash our income for wealth generation. Isn’t this a false dicho...
by Erwin007
Sat Sep 14, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

The subject is misleading. And this part in OP should be highlighted. Banks have become greedier. I paid off my mortgage early - 2004. The extra in the payment automatically went to principal. It wasn’t applied to the next payment + interest. My lender makes it really easy, when I schedule the paym...
by Erwin007
Sat Sep 14, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29089

Re: Paying "early" on mortgage may be unwise

The subject is misleading. And this part in OP should be highlighted. If you want to pay extra principal on the mortgage (to reduce interest paid), you must specifically identify such extra to the lender so that the principal is reduced. [/b] Banks have become greedier. I paid off my mortgage early...
by Erwin007
Thu Sep 12, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 18786

Re: White collars- How much is your work downtime?

Subspecialty orthopedic surgeon. I would count downtime for me as times when I have nothing to do but am at work—no patients to see, no charting to do, no results to look over, no patients to call about results, no insurance companies to call and argue with some out of touch doctor not even in my sp...
by Erwin007
Sun Sep 01, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6781

Re: How to help niece improve her driving

StealthRabbit wrote:
Sat Aug 31, 2019 11:24 pm
1) Time behind the wheel (with a strict and observant mentor) in various circumstances / weather / vehicles. 12,000k miles minimum experience.
12 million miles minimum experience seems a little extreme, no?
:shock:
by Erwin007
Sun Aug 04, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6736

Re: Dentist: Is this acceptable?

OP is in CA not Texas. Didn’t see anything about Texas listed. Depending on the state the dentist is probably supposed to be there supervising the hygienists. Not sure how it works in dentistry but I could get in deep $&/@ if my techs were working on a patient and I wasn’t in the building supervisi...
by Erwin007
Sun Aug 04, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6736

Re: Dentist: Is this acceptable?

Dentist here: I wouldn’t worry too much. Ideally a patient will have an exam done every six months. However, sometimes dentists are out of town, sick, etc. In Texas, it is allowed to have hygienist clean teeth with no dentist present. However, in Texas A hygienist isn’t supposed to clean teeth with...
by Erwin007
Sun Aug 04, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6736

Re: Dentist: Is this acceptable?

My dentist does everything. He examines my teeth, he cleans my teeth thoroughly in all aspects (scraping, polishing and flossing) and he does x-rays when needed. He is the only person in the office that does anything with my teeth. This is the actual dentist, not the hygienist. My appointments are ...
by Erwin007
Sun Aug 04, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6736

Re: Dentist: Is this acceptable?

Dentist here: I wouldn’t worry too much. Ideally a patient will have an exam done every six months. However, sometimes dentists are out of town, sick, etc. In Texas, it is allowed to have hygienist clean teeth with no dentist present. However, in Texas A hygienist isn’t supposed to clean teeth with...
by Erwin007
Fri Aug 02, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 12409

Re: A note on spending for kids

Seems like the OP is more of a rant than anything truly actionable. I have kids in club basketball, club/travel soccer, tennis, football, and golf. So I interact with a lot of other parents who are doing the same thing. I would say the vast majority have no delusion that their kids are going pro or ...
by Erwin007
Wed Jul 31, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10266

Re: Bloomberg: Forget Tech, Medicine Still Pays More

As a physician, I would advise my kids, if they were adept enough and equally drawn to medicine or tech, to go into tech 100 times out of 100. I hear this a lot, but I didn't think there is any validity to it. I think it's just the grass being greener on the other side. My parents, FIL and spouse a...
by Erwin007
Wed Jul 31, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7527

Re: What's your Uber passenger rating?

5.00.

I’ve only taken 5 trips, but 2 were from JFK to some hotel in midtown with my wife and three kids and then the return trip.

I have always been on time/waiting for them to show up, not had anything to eat or drink during the ride, and kept up the small talk if the driver engaged first.
by Erwin007
Wed Jul 31, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10266

Re: Bloomberg: Forget Tech, Medicine Still Pays More

As a physician, I would advise my kids, if they were adept enough and equally drawn to medicine or tech, to go into tech 100 times out of 100. I hear this a lot, but I didn't think there is any validity to it. I think it's just the grass being greener on the other side. My parents, FIL and spouse a...
by Erwin007
Tue Jul 30, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10266

Re: Bloomberg: Forget Tech, Medicine Still Pays More

As a physician, I would advise my kids, if they were adept enough and equally drawn to medicine or tech, to go into tech 100 times out of 100. As has been mentioned already in this post, the opportunity cost of medical school followed by residency and maybe fellowship might put you behind in a hole ...