Search found 671 matches

by 6miths
Sat Oct 08, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 24172

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

By avoiding lifestyle creep, you are buying yourself the flexibility to decide what you want to do. I think this is the key in helping keep things under control. One has choices and in my mind the short term gains from spending now are not compensation enough for the cost of removing the aforementi...
by 6miths
Tue Oct 04, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3129
Views: 956485

Re: What Book Are You Currently Reading? Part VI

Just downloaded 'The Gene' by Siddhartha Mukherjee from the library. Have some traveling coming up so will be able to listen to it.
by 6miths
Wed Sep 28, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 4410

Re: How closely do you check your credit card statements?

I check a few times a month online. Mainly to see if I am getting close to credit limit on the card I like to use most. Review transactions at the time. Don't check it against receipts but make sure it jibes with memory and nothing looks unusual.
by 6miths
Fri Sep 23, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 7618

Re: Cosigning a new car lease for sister out of state

I would be very uncomfortable with this. Of course, I would be uncomfortable leasing a car for myself so that's not saying much. Why this car? Why a lease? I would have rather just bought her a good used car or affordable, reliable new car and set up loan terms with her personally. If she doesn't pa...
by 6miths
Thu Sep 22, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 4467

Re: Companion Dogs for an older person

My mother is in good shape to care for a dog and is familiar with the care of this type of dog. She lives in a rural area with plenty of outdoor space (Mom's house surrounded by 60 acres of her own).....lots of space and time to walk together. Thank you for the leads on places to search. Sounds lik...
by 6miths
Thu Sep 22, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: The pick-pocket crew is alive and well in the Hermitage!
Replies: 5
Views: 1474

Re: The pick-pocket crew is alive and well in the Hermitage!

Crime!?! In Russia... say it ain't so!!
by 6miths
Sun Sep 18, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 50
Views: 6588

Re: How do you view money over and above your number?

I viewed it as my children's and put it in equities while moving it over to them.
by 6miths
Sun Sep 18, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 3533

Re: 2016 Honda Odyssey - which model?

2011 Odyssey owner here. Don't pay for the nav or the rear entertainment system man. Nav: You have a smartphone? It almost certainly offers offline maps. I know Google Maps on iPhone offers offline maps. Just use your phone. If you don't want to use your phone, you can buy a decent Garmin for like ...
by 6miths
Sat Sep 17, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027836

Re: What Movie Have You Recently Watched?

Sully . Pretty good but makes me want to check out how close they stuck to the facts and how much was just Hollywood. PS: People either love or hate Money Monster . I hated it. DW and I went to see Sully. Was entertaining but not completely factual. The NTSB team was portrayed as out to hang the pi...
by 6miths
Tue Sep 13, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 6317

Re: Education cost and kids

I would agree with sentiments that it hard for current parents of teens to understand how much has changed for the current crop of college bound kids and new grads. Similar to the comparison of those who benefited from the post-WW2 boom and their children who struggled with the inflationary decade f...
by 6miths
Sun Sep 11, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5351

Re: Toyota, Honda, Nissan or Chrysler Minivan?

Started with a Nissan (though it was badged as a Mercury Villager). It was decent and bought it because at the time the 1st generation Honda Odyssey was rather small. We then went with the 2nd generation Odyssey which was a full size minivan. Then had a Sienna and following that two Odysseys. The Si...
by 6miths
Mon Sep 05, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3129
Views: 956485

Re: What Book Are You Currently Reading? Part VI

Picked up '11/22/63' by Stephen King out of the LittleFreeLibrary box near our cottage. Fun read and the price was right!
by 6miths
Wed Aug 24, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 14740

Re: How much vacation time do you get at work?

MD. Now retired. In my first job which was an academic position, it wasn't really tracked so as long as one had coverage and work was getting done, one could go on holiday whenever. Likely took about 5 weeks/yr in the 12 years. Second job (4 years), also academic more regimented, salaried position s...
by 6miths
Wed Aug 24, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Did you use Real Estate to build wealth?
Replies: 45
Views: 5265

Re: Did you use Real Estate to build wealth?

No. Real estate is too much work, and to be profitable requires an expertise that I don't have (and don't care to learn). +1 This is my take. I'm great at renovating and fixing things but don't have the time or people and logistical skills to make it work. A balanced index portfolio and the day job...
by 6miths
Tue Aug 23, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 36922

Re: Frugality regret: What thing do you regret not spending on?

Booze, women and fast cars.... :happy

Don't think I suffered in material things but could have done with more time... worked too hard.
by 6miths
Tue Aug 23, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 6777

Re: Tips for a 1000 miles car trip with toddler and baby

We did this many times with 4 young children. Toronto to South Florida. Usually non-stop. Our children traveled quite well. Usually tried to leave in the evening so most were asleep for a good part of the trip and by the time they woke up there would be lots of interesting things to see. The advent ...
by 6miths
Tue Aug 23, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 51733

Re: Self-made Millionaires: how did hitting 7 figures change you?

GoldenFinch wrote:
kelage wrote:
Barefootgirl wrote:Another point of view - i.e. - is the accumulation of resources the means to an end or the end?


https://vimeo.com/176370337?outro=1
Thank you for the reminder. :beer
Yes, thank you Barefootgirl. I sent this link to my college kid. :happy
Yes thank you very much. I shared it as well.
by 6miths
Sun Aug 21, 2016 11:26 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 8533

Re: Do you wash your car yourself, or have it done?

I wash our cars myself. Used to always be in the driveway. Nowadays, I am more likely to do it in the bay at the coin wash. Occasionally in a bad winter I will take them through the touchless wash at the gas station. Also, hand wax them. I used to be much more particular about my car but then I got ...
by 6miths
Sun Aug 14, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: You have $10 Million and 10 years to live. What would you do?
Replies: 55
Views: 7057

Re: You have $10 Million and 10 years to live. What would you do?

Same old same old. Just go back and check that the i's were dotted and the t's crossed.
by 6miths
Sat Aug 13, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 12800

Re: Are you on Facebook?

Yes. Check in on it now and then. Mainly family and high school and college friends. Also use it for university student groups that I teach and administer.
by 6miths
Thu Aug 11, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 4434

Re: How to address a college professor with a PhD (Dr. or Prof.)

Teague wrote:I'd love to see the reaction that gets from the last surgeon that worked on me - H.R.H. Lord High Surgeon of the Gods, descended from Hippocrates himself, Dr. Wonderful. ;)
That would be Mr. Wonderful if he was a surgeon trained in the British system.
by 6miths
Wed Aug 10, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 3069

Re: College major...medical

He's a junior in high school (barely 16) and he is already feeling pressure to choose a profession? I didn't formally make a decision to be a doc until I was a junior. In college. At almost 23. I would advise against choosing a career this early. Let him enjoy being in high school. Encourage him to...
by 6miths
Sun Aug 07, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3129
Views: 956485

Re: What Book Are You Currently Reading? Part VI

Just finished listening to 'Napoleon: A Life" by Andrew Roberts and reading 'World Order' by Henry Kissinger. Both pretty good.
by 6miths
Sun Aug 07, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 14560

Re: Should I lease a Tesla?

One of my MD colleagues (orthopaedic surgeon) bought a Tesla a few years out of residency. Beautiful car and he was clearly loving it but it was never something I could bring myself to do despite having better numbers than he is likely to have for quite a long time (if ever). Too each their own thou...
by 6miths
Thu Aug 04, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 7615

Re: closet organizing system

I went the IKEA route with modifications such as birch shelves to tie the drawer units together. It was one of the wire basket systems which I like very much as I can see what each drawer has in it easily. Very fliexible and functional but not as aesthetically pleasing as California closets or a fin...
by 6miths
Sun Jul 31, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027836

Re: What Movie Have You Recently Watched?

Star Trek Beyond. DW and I enjoyed it as did two of our teens who attended. Much more enjoyable than the latest Star Wars IMHO. The original purpose of the series-- about science, exploration, human drama on the frontiers of the universe, has been lost. It has fallen into the formula of "oops, time...
by 6miths
Thu Jul 28, 2016 11:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027836

Re: What Movie Have You Recently Watched?

Star Trek Beyond. DW and I enjoyed it as did two of our teens who attended. Much more enjoyable than the latest Star Wars IMHO.
by 6miths
Thu Jul 28, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 4564

Re: Canada vacation

I would definitely plan to drive around the Golden Horseshoe (the west end of Lake Ontario) to return via Niagara Falls. How old are the children in the group? Their ages would guide my activities in the Toronto area. Mention was made of staying off Highway 407. While the tolls are ridiculous (even ...
by 6miths
Mon Jul 25, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 19660

Re: Early retirees, how much did you leave on the table?

A fair bit. Retired at almost 53 from a profession that seems to work past usual retirement age. Had been in peak earning for the previous 10 years, which of course allowed me the luxury of retiring. At the savings rate I had for the 10 years prior to retirement, with no investment returns added, se...
by 6miths
Mon Jul 11, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2475

Re: AT&T cell usage in Canada

We were also in the same boat last month, and following the advice given at Howardforums ( http://www.howardforums.com/showthread.php/1879793-Canada-Roaming-Bonus ), I called up 611 and asked to be transferred to retention. Told the person I am thinking of switching, since T-Mobile has free roaming...
by 6miths
Thu Jun 30, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 31996

Re: Where were you financially when you were at 30?

1991

Single
Renting bachelor apartment
4 year old car - paid for
Retirement accounts maxed but quite modest
Savings - minimal
Education loans paid
No consumer debt
Income about 45k (4th year of residency with 1 to go then 3 years of fellowship ahead and then a pay raise)
by 6miths
Wed Jun 08, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 99812

Re: High Earners - What's Your Profession?

Around here law enforcement seems to be doing pretty well too. Saw a stat that 80% of regular constables make more than 100K per year not including very nice benefit packages.
by 6miths
Tue May 24, 2016 12:26 am
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 5046

Re: WW2 Books & Education

Another vote for the BBC's 'World at War' series. I watched this in first release as a child with my father. It was very well done. I bought the series on DVD and have watched it with all of my children. A very good overview in AV format. The sacrifices of the Russian people were truly staggering. I...
by 6miths
Fri May 20, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: New Attending Starting Out - Rent vs. Buy in HCOL area
Replies: 17
Views: 2210

Re: New Attending Starting Out - Rent vs. Buy in HCOL area

I'm in with the Rent crowd. Flexibility is very, very valuable.
by 6miths
Fri May 20, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 37029

Re: Is there a such thing as a blue collar Boglehead?

Definitely! It's a way of thinking not a number
by 6miths
Fri May 20, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Ready to retire - what to do with portfolio
Replies: 13
Views: 1433

Re: Ready to retire - what to do with portfolio

1. I will have about 70% of my income when I retire from my pension, social security... 2. Is there some way to simplify this? Sorry in reading through your post I couldn't see what your 'pension' was. It might be helpful to know your SS entitlement as well. I may have missed your comment on your p...
by 6miths
Fri May 20, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 312
Views: 66252

Re: Physician Retirement Savings

Thank you all for the very interesting thread with several different thought provoking discussion within it. I was thinking that the OP might find the Boglehead networth surveys interesting although not all MDs self-identify if I recall correctly. The paths of how one got to where one is are so vari...
by 6miths
Tue May 10, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 10524

Re: Buying a house for an adult child (child adult?)

Agree with the OP and the 'No' camp. I would be very uncomfortable doing this both in terms of my and DWs security as well as for the long term negative consequences for my DS and his family as well as our relationships. People have voiced concern about the negative impact on relationships with DW a...
by 6miths
Tue May 03, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 17005

Re: Sci-Fi ... your favorite movies and episodes??

cheese_breath wrote:
6miths wrote:
GoldenFinch wrote:
Toons wrote:Movie-Santa Claus Conquers The Martians
:happy
Is this really a movie? :D
Yes voted one of the worst of all time but to each there own. I remember seeing it in the theatre.
So that's high class in Leafs country, eh? :P
No even as a kid I thought that it was seriously bad!
by 6miths
Tue May 03, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 17005

Re: Sci-Fi ... your favorite movies and episodes??

GoldenFinch wrote:
Toons wrote:Movie-Santa Claus Conquers The Martians
:happy
Is this really a movie? :D
Yes voted one of the worst of all time but to each there own. I remember seeing it in the theatre.
by 6miths
Tue May 03, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 17005

Re: Sci-Fi ... your favorite movies and episodes??

I've seen things you people wouldn't believe. Attack ships on fire off the shoulder of Orion. I watched C-beams glitter in the dark near the Tannhäuser Gate. All those moments will be lost in time, like tears...in...rain. Time to die. I actually have this on a PowerPoint slide. So yes, one of my fa...
by 6miths
Wed Apr 27, 2016 10:20 pm
Forum: Investing - Theory, News & General
Topic: Why not ETFs?
Replies: 57
Views: 5808

Re: Why not ETFs?

In Canada it's easy. No mutual funds come close to ETFs on cost.
by 6miths
Wed Apr 27, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 12232

Re: Are females just not interested in investing in general or is it just the women that I date?

you had your answer at "im 26". the majority of ppl need more time to mature. this forum is not filled with those people however. +1 I'm sure that even most of the BH crowd wasn't interested in discussing investing when they were in their early to mid-20s. I sure wasn't. The fact that I had no mone...
by 6miths
Sun Apr 17, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 6110

Re: Buying the most expensive house on the street?

Agree with others. The house in the less upscale neighbourhood doesn't sound like it really is anomalously large and the neighbourhood sounds more vibrant. It was a point of discussion in one or two of the Millionaire Next Door series that you are much better off in the long term to not buy into the...
by 6miths
Sun Apr 17, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 29220

Re: Soapbox (car safety features)

Personally can't wait for totally autonomous cars. Should arrive just in time for me. I find some of the features great others not so much but generally things are moving in the right direction and cars are increasingly safer. That said, I almost always have LDW turned off. I like the various proxim...
by 6miths
Tue Mar 29, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 4183

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

MD. High risk obstetrics/MFM (retired) I wore scrubs. Then they know that I am a surgeon and may have to run off to save someone's life at any moment. Very impressive... When I was in my hospital based clinic I wore... scrubs. When I was in our private clinic I wore... wait for it... scrubs. I wasn'...
by 6miths
Sun Mar 27, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 1066

Re: Possible to ask for a duplicate credit card?

The advent of chip and pin cards ended this for me. I used to like to have two copies but with chip and pin they will deactivate the card and send a new one which has a new number and new chip. They have told me that one cannot have two unique chip and pin cards with the same number. When the cards ...
by 6miths
Sun Mar 20, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5976

Re: Want to buy 2014 Acura TSX - turned in lease

The ILX is not nearly the ride IMHO.
by 6miths
Sun Mar 20, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5976

Re: Want to buy 2014 Acura TSX - turned in lease

Having said that, looking at the sales of the TSX in the US it looks like only 6300 were sold in 2014 down from 17500 in 2013 and a peak of 38000 in 2006 and around 30000 in most model years. I am assuming that 'sales' include leased vehicles in the statistics. So maybe there will be less available ...
by 6miths
Sun Mar 20, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5976

Re: Want to buy 2014 Acura TSX - turned in lease

I had the '04 TSX and loved it. I passed it over to my mother a few years ago and she loves it. It has never had any major service issues in its 200k mile life and has always been great fun to drive. I would agree with the sentiment here that the dealer is just trying to get you to buy now when they...