Granted, most readers know I'm a bit of a risk taker. Make sure you know what you are getting, or consider staying just outside of the center. - Podcast #218, 10 Bits of Financial Advice for the Average American, Fix the Car or Buy a New One - Podcast #116, Physicians, Bankruptcy, and What to Do If You're Stuck There, https://www.youtube.com/watch?v=4wfFiT0cSsY, https://www.youtube.com/watch?v=6Wb66PzljP8. Mot "non//gargantuan" C. says: who cares? i hate it when a fine chick is dating another fine chick!!! Finding parking space in the city center can be difficult. Buying a car for the safety features is just justification. There are definitely other ways, can get a portable wifi device pretty cheap as well. that really blew my mind. While a luxury car is nice, whats more important for perception is the cars condition. Realtors spend a lot of hours in the car. Police is kind to foreigners; talking your way out of paying a fine tends to be easy. It can take a lot and heal itself as long as you dont push it over the edge. Cheaptimes M. says:I was in Gdale last niteI had a Troys burrito--------------You blew it. I just want to point out three things. A few reports have come in regarding the payments to enter by car or motorbike, more data points are very still welcome in the driving in Armenia thread. Drive whatever you want. But everyone in my immediate family has an extremely expensive car. Ive had my car break down a couple times, usually its a battery thing, but it never kept me from going to work, so I thinks a silly argument. That explains it, we always give him crap about it at work. 2023 - The White Coat Investor Investing & Personal Finance for Doctors. He stated he lived in where there was a large Armenian population so he naturally was exposed to them frequently and/or he might be biased because of that. You asked him to elaborate on why the culture might cease to exist, and he did. Nor does it mean I'll stop cooking for him. Let's say he can get 6% after-taxes and fees and totally ignore the risk. I don't understand. are you or are you not? This not cool IMO. Something to be said about the two year leases is that you should never have to replace anything at all. As for the client, its important not to judge a realtor based on the car they drive. Armenia was the first country to accept christianity as a national religion in 301AD, since the geographic location has been surrounded by muslims the number of Armenians have decreased over centuries of living within muslim countries that tried to change Armenia to a muslim country. "With the money we'd be spending on a stupid dinner, I'll cook you guys a feast!" Why is it OK for Armenians to fly Armenian flags on their cars? They look like a typical corner used car lot with cars packed in, but they have a lot of nice cars. and its not true at allmaybe one and two here and there but then again thats EVERY culture.. here and there some guy will always treat their women like crap, and here and there every women will treat their guy like crap! There were 73,713 housing units at an average density of 2,405.3 per square mile (928.6/km). I have also driven a $60,000 car. The night shifts and general lack of flexibility are probably the most physician-specific issues. "let's get him a cartier watch". KC why the fuck are you so funny? The same can be said for a lot of races and females being upset about the same thing. (and then having to do this all over again when its time to pick the car up from the mechanic). We've learned from, adapted to, and benefited our communities but not at the cost of our own culture. Wifi in your car is really just a built in cell phone and data plan. Ten years old and youre probably OK, depending on the specific make and model. cost obviously depends on where you live mine is a 3 mile / ~20 min trip, Work subsidized parking $5.50 / day (pre-tax) 10 min walk from garage, Long list of Pro/cons for eachsuch as My Honda Fit serves me well. if you generalize like that it will fall on every culture not just all ArmeniansNo matter what ethnicity you are, you choose how you want to live your life! Bad is the wrong word. ---------------------People don't need to stop thinking that and they won't stop thinking that. You lose!!!! Never have to wash the beast either. Up to about $8k in bills and 5 unplanned trips to the shop. Tesla appears to have the best system, but I recognize that the technology can become a crutch and you will not be alert for the rare moment when the system fails and driver interaction is needed (such as white tractor trailer against a bright sky is invisible to the camera system, like in FL fatal crash). I tend to take a more moderate view. Most times, realtors lease the car. I get why people buy new cars but unless youre keeping them a good long time, its a costly decision. I like the black suede pants Cynthia too! ", Have I got a Vietnamese girl for you. But I suppose in your case your wife is commuting out of the war zone and into the suburbs . Now, Im just joking, but were all doing our part to kill the planet. I dont know that theres some big difference in buying a car thats within ten years old, but much older than that and newer cars really do fare much better in crashes. A new attending driving a beater may have 5-50%. There werent any cheap blue tooth devices at the time but that wouldve been great. Spending money on a new or quality used vehicle offers the physician several undeniable benefits: 1) reliable transportation for an individual whose time is inherently valuable, 2) safety and protection during a daily dangerous activity, 3) lowered level of stress with less uncertainty and worry, 4) limited exposure to large, unforeseen repair bills and 5) less frequent and less expensive maintenance costs. Wife is an ER doc with a 50-mile commute (big city to rural area, live in Chicago and commute to Indianas more physician-friendly malpractice environment. I grew up in NYC where I had friends of every ethnic background. LMAOOOOOOOOOOOOOOOOOOOOOOOOOOOK, wait. These were the neighbor countries of Armenia that frightened and decreased the number of Armenians for centuries and until today. They cash their checks and go enjoy life. maybe a bit hyperbolic, but generally agree for example, college towns are usually quite easy to do as well (guess it depends what you consider major). Haha, sorry to laugh, but that isnt the typical Japanese car people would think about. I will put my money on the Toyota any day of the week. Others will get there too, just like your family has. I feel very strongly about this and What Michael the Gospel Douche said is just disgusting. Probably better to just stick with buying only what you need unless you elect to splurge on something. If you are doing well financially, then by all means go for it. For example, a resident with a negative net worth of $200K has an infinite ratio. I dont know if I blogged that story but I left for the lake late Sunday evening and by the time I called to check in on Monday afternoon the car was dead, had been looked at by the mechanic, and had been sold to the junkyard. I think many readers can easily handle car maintenance and even a breakdown here and there, but to many physicians (and people in general) these events are bewildering experiences which lead them to walk into a mechanics shop as a huge mark multiple times a year. Diesel Truck for towing. Recommending it would be ridiculous. yuummm Troys you should have invited me. What do borrowers use to secure a mortgage loan? The problem is that a lot of immigrants don't assimilate. Very cool.. Rox G. says:KC "beach wood" O. says:Lebanese Armos have 401ks and 529ks but still roll a Benz. Aside from accidents, breakdowns on the road or at work can leave you in a dangerous situation, and being stranded is something a successful physician should seek to minimize as much as possible. None of us get out alive. One small accident and they're fucked. You already have one of those in your pocket! Ive definitely wasted too much money on frivolous cars in the past (a convertible Mini-Cooper that I had for 1 1/2 years comes to mind), and I have definitely learned so much from this blog. Generally, having to pull over on the highway with traffic flying by can be a frightening experience. The discussion between beater and brand new luxury yacht leaves out my prime target when shopping for a vehicle: the 3-5 year old moderately appointed one owner car. Never a breakdown. Its also possible that when the client sees the agent in a great car, they assume theyre already doing great and dont need the money. Are Germans really that cool with nudity? Thought this was pretty funny though since it reminds me of my dear old dad who swears by Mercedes. Financial Wellness and Burnout Prevention for Medical Professionals, Continuing Financial Education Las Vegas, Physician Wellness and Financial Literacy Conference Park City. How big is your emergency fund again? Living like an attending as a resident. Besides, I have a feeling a lot of these features are much less reliable than we think. So realtors try to get a car thats comfortable enough. I enjoy driving and consider myself a car guy, but I have to admit, if I could enjoy never having to sit in traffic ever again or even have to endure any lengthy commutes at all, I think I would happily embrace the automobile-free lifestyle . I have this friend that has been with his Armenian girl friend for years and he cannot go to any of her family parties also Armenian guys actually come up to them and tell him that he should not be with her. I have ranted about this before so I guess I just have to accept the fact that this ignorance exist. LOL. Despite my love of cycling and all things financial, I am quite comfortable spending 5-8 times his annual spending and spending way more on a car and gasoline just to keep my head off the ceiling. A nicer classy car to go out in or travel long distance or go out with kids such as an Aucra MDX, AUDI Q7, BMW X5, or maybe a large 4 door sedan What model and year? They are very useful, though. It makes more sense to drive a luxury car. Public transportation, cab or ride service (Uber, Lyft) might work for her. OK speak in complete sentences with no #. Sometimes, the car can also communicate something about the values of the person driving it. @Jeanny.. Take example of an Armenian girl.. It's not that they're bad in the sense that they have bad reaction times, coordination, depth perception, etc. If love to hear about all the other perks this city job offers. Realtors that drive luxury cars do it because they believe it helps their business. Same model, same trim package. Armenians, like most other Middle Eastern groups, have ancient history and a very unique, exotic look. I've had plenty of Armenian/Assyrian/ Greek The target market also matters. I have a lot of friends from your background, but none of them can answer this question. I do wonder though about interest rates. "Me: *Pointing to my new Armenian friend* "I'll have what he's having. That's better than a kick in the teeth, but it isn't going to change their lives by any means. In the eastern Orthodox church, Christmas is celebrated on January 6th. Most Armenian parents are very strict when it comes to their daughters dating a non armenian!and its not even about them being armenian or not its a specific type of Armenianthere are 3 types. .. Armenians from Armenia (who hate everyone else).. Armenians from Iran (who hate everyone from Armenia).. Armenians from Lebanon (who pretend they love all, but hate all)most armenian families would hate it if their daughter/son dates a different ethnicity, and most will hate if their daughter/son date a different type of armenian this is due to THEM the FAMILY, getting along with the family of the other person who is being dated. (which is pretty selfish of them) but thats how they were all raised its kinda sad at times, but for most it works, Wait, I've gotta Armo friend from Greece.Where does she fit into this hatred matrix.LoL. No one is deluded into thinking that the BMW is a more reliable car. The newest cars have the latest safety features from advanced airbags to superior crumple zones, and even features like cross traffic alert, lane keep assist and collision mitigation to keep you from having the accident in the first place. She's not doing that. Gave me a good chuckle, but Armos are too cool for seatbelts, too freespirited to be bound by traffic rules, and too self-aware not to drive impaired. Because Armenian girls are beautiful, who would want to share? Tesla has the best marketing of their systems, but nothing more than anyone else has and at times less technologically. Like any electric car, its fine for commuting but lousy for road trips. Again Ill point to the professionals fascination with products like life and disability insurance here. Yes, I rarely post but I do often read others' posts which is kinda why I don't post often. http://fortune.com/2016/07/20/aaa-breakdown-new-tech-study/. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); The book summarizes the most important information on the blog and contains material not found on the site at all. You could have just stopped there and asked a simple question: When does the argument for new = better/safer/more efficient/less stress/higher productivity/lots and lots and lots of other things ever end? The one in the driveway costs me over $300 to fill it's 67 gallon tank with premium at the lake. If you arent in the beater camp (Im not for my wife/kids) I 100% agree this is the way to go. I did have a brother that loved his WRX, but once again is was always needing something. Without repeating myself too much. If you really want to increase your safety, move closer to work and put down the phone. I moved to North Hollywood area almost 2 years ago and before that I had only met one Armenian person my entire life, so I had no stereotypes of Ar Their conclusion? It is infinitesimal! G, I m sorry to hear of your experience. Armenian men are encouraged to get married with other race's because they will grow the number of Armenians. So for a week my husband appeared to be stealing a fire-engine red sports car from the parking lot every time we had to drive somewhere in public. Please let us know how it worked out for you. Many realtors know this and dont bother getting a luxury car. I define it like this: Alife free from financial worries, a career where you make a real contribution to society, a few luxuries along the way, the ability to help others financially throughout your life, and a comfortable retirement at a time of your choosing. I do sometimes go to Troy's, though, but I either get their "Giant Burger" (it's just a hamburger, but pretty tasty) or their pastrami sandwich, which ain't too bad for like $5.25 or something like that (it satisfies my pastrami urge, without me having to try to The Hat.). I know, no every body is like that, but mostly//--------------------I know I know you said NOT Everyone but mostly!! Why's everybody cockblock'n whitey?He's just try'n to get a nut like every other squirrel out there.Ive seen and heard guys of every race do this with outsiders. Of course there are exceptions, but for the most part, I hate them. For one, a lot of them do various types of fraud, and then use that money to pu Breakdowns are actually happening more than ever. We get married and pay off vette and student loans. But then Id live thousands of miles away from mountains, canyons, family etc. BTW, I drive 30 minutes to work everyday because I moved so that my children had better school opportunities. it's a new way of thinking. Who cares how old it is. Wrenching on an old car might be a great hobby for a pensioner with a penchant for British sportscars, but for a practicing physician its one more source of stress and loose thread to tie up in a mountain of tangled strands. uber pool can take longer in travel time A brand new, fully warrantied large sedan like a Honda Accord or Toyota Camry can be bought for about $20,000 or leased for under $250 a month. The rest of us will get there too lol.-------------------------------------------All my family has Savings, Life insurance and 401Ks. We havent been here long, and yet manage to do that. How is linking to a news article Tesla bashing? LIke I said to KC in response to his ex who had a 401k, etc they've been in America longer and are more evolved. I forgo rental as we have a spare vehicle. Financial planning can help a doc in the Bay Area improve his life just as much as a doc in a small town in Indiana. I've never even written that word before "/. While possible, it would be a major lifestyle decrease for most. Local player Caravan also has the option to pick up at Gyumri airport. They have equal reliability and create equal amounts of stress. I got my luxury car 3 years old and 50% off the retail price and it had only 18K miles on it. Youll even find realtors that use public transport. -uber is more comfortable, *Ive done them all favor control of driving myself and opt for subsidized parking option Oh boy. Give the Appearance of Success. I live close to Glendale the apartment capitol of the world. Then again, when I think about it, I have seen this sort of behavior with all people and races. Armenians creating a bad reputation for themselves #100000. Who tf races in a volkswagen especially in Burbank? My first priority is financial independence or a solid trajectory towards it. The authors arguments illustrate precisely why personal finance requires very few math skills, but plenty of stop making excuses skills for spending money. I am amazed what we do for wives and children. 2002 Oldsmobile Alero $1300 2015-present. They want the best of everything because they/we came from a land where (as a result of the genocide/wars/natural disaster/soviet union/bad leadership) we had nothing.An Armenian would rather have a nice car, and start several businesses (one of which is bound to be successful) than to work for someone else and drive crappy cars.I hold the same philosophy with shoes.. not cars. Ukraine people strong! I would love to have 6 or more different cars in my garage/driveway. For example, a realtor in the posh areas of California could be driving a Lamborghini and wont feel out of place. David does Hovanessian teach at UCLA still? You mean Armenian Iranian, right?Barry, are you the only that can concur with me that AXE=ASS? Life is dangerous. 4. Armenians are considered to be white. For realtors, its this balance they mostly strive to attain when getting a car. Caravanistan is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.Made in Eurasia by Steven & Saule2011 - 2023, Do you have a request for this tour operator? So, most agents go for luxury cars to give the impression theyre doing well. Missing a shift, missing a procedure, lost goodwill in having patients wait for hours more than usual in a waiting room, can cost the practitioner thousands of dollars or tens of thousands of dollars or more. I could move to Texas and make more money, pay less in taxes, and buy two houses like mine for the same price. For realtors, their reasons for driving nice cars include: 1. Driving in Armenia presents few challenges, even if your fellow motorists are likely to drive a little wilder than what you are used to at home. But they may lose money as a result. I remember back in the day I heard him speak; he's amazing.. Cyn I don't think KC's Armenian lol he's a liar.btw, my mom was born in Iran. In some areas, luxury cars are perfect because theyll work perfectly. That stuff is heinous. A $30K or even $60K car, even one bought on credit, even two bought on credit during residency, probably isn't enough to overcome them financially if they do everything else right. Of course, now that I am done with training and debt-free, I will admit I do like to splurge. Aremenians ARE white, dipstick. Reddit's most popular sub for everything related to Armenia! Different things make different people happy. While driving nice cars will keep a middle class family from ever becoming wealthy, a high income professional family, especially one with two working high-income professionals can certainly drive whatever they want and still eventually become financially independent. Maybe you make a million a year I dont know, but I know the jobs I looked at in Boston are 1/3 of what Im making in the mid west, and that extra buys a lot of vacations to cities.
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