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Re: What's your dream car?

:happy Happy with the one I got:1997 Porsche 993 C4S. Good one, and one of the few here that might actually be a good "investment" ! AS stated in my post, one of my dream cars since I was 18, though I prefer the 993 C2S. To quote Wayne's World, "It will be mine. Oh yes. It will be mi...
by OnFire
Fri Mar 07, 2014 3:00 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: What was your dumbest financial decision?

Not insisting that my father make out a will after he had his second heart attack. My step-mother got the $600K house in the 'burbs, the $500K summer house, and told me that the family construction business was worth zero. The $1M in equipment and $500K in property was only going to cover the outsta...
by OnFire
Fri Mar 07, 2014 2:04 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8391

Re: Took the Plunge, Bought an Accord Hybrid

The hybrid, non-plug-in.The plug-in model started at $40K, has only one trim line, and is available only in NY and California. It is eligible for a tax credit, but only about $3,000, which makes it quite a bit more expensive than the non-hybrid, which I got for $32K. I didn't think the additional pr...
by OnFire
Mon Feb 24, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3928

Re: Took the Plunge, Bought an Accord Hybrid

I love the VW Passat diesel. I would have definitely stepped up from the Jetta to the Passat if the Jetta hadn't been so ridiculously unreliable. It got to the point where the service manager at the VW dealership knew me by name, and remarked, "Yeah, You guys have had a LOT of problems with tha...
by OnFire
Mon Feb 24, 2014 3:15 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3928

Took the Plunge, Bought an Accord Hybrid

I took the plunge. My wife's 2006 VW Jetta 2.0T needed ~$3,000 in work in the last three months. The airbag clock spring need to be replaced, the purge valve needed to be replaced, the driver door wiring harness needed to be replaced, the battery needed to be replaced, it needed a major tune-up, and...
by OnFire
Sat Feb 22, 2014 3:15 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3928

Re: The Estate lawyer cost us big

Cripes. I hope that I raise my son well enough that I trust him with my estate. I am so sorry for your stress added to sickness added to loss. My father left no will and my stepmother (who my father was on the verge of a divorce with) got the $600K primary residence, $500K vacation residence, and $1...
by OnFire
Sat Feb 22, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8898

Re: Leased a Civic, Need Something Bigger

The above posters have good ideas if you are going to keep the car. Another option is to put in a trailer hitch (almost any car can add a trailer hitch, an then add in a rack that slides in to the hitch. I found one on Amazon pretty quick: http://www.amazon.com/Pro-Series-63153-Mounted-Carrier/dp/B0...
by OnFire
Tue Feb 18, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1212

Re: $25K Budget for a Fun Car

I am a gear head of the first order, and I think, that you need to narrow the list down to cars that can corner and those that can't. I can appreciate the desire for a car that is exempt from smog regulations, being in California. If I were going to go the Camaro route, I'd want to go the restomod r...
by OnFire
Tue Feb 11, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4357

Re: Renting Our Starter Home - Pros and Cons

Have you made a decision?
by OnFire
Wed Feb 05, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2779

Re: Floor jacks

I had the same debate with myself and decided against the HF jack. I looked on eBay and found an aluminum Crafstman New In Box for sale with Buy It Now for I think $90. I'd rather buy a bit better quality and not take the chance with the cheapest tool I can find. Not worth it to me for a critical to...
by OnFire
Wed Feb 05, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1691

Re: Roth IRA $11,000 Vanguard

FNK wrote:Target Retirement is the best choice until your portfolio grows to $50-100K.



+1
by OnFire
Wed Jan 29, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA $11,000 Vanguard
Replies: 14
Views: 1903

Re: Multiple Offers on House: Best and Final Bid Needed Toni

Bid as much as you are comfortable. If you are planning to be in the house ten years, the $5K is $500 a year, or $10 a week. I almost let my house get away because it was a short sale and the bank was playing games. I bid more than the asking price, and of course they upped it again. But in retrospe...
by OnFire
Wed Jan 29, 2014 12:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3178

Re: What's your dream car?

I have two bucket list car experiences. A 911 on the Autobahn/Nurburgring. I am still unsure of the flavor I would like, but I have a special place in my heart for a 1998 air cooled 911 Carrera 2S in silver with a black interior. The prices have been climbing for a decade, and are getting more expen...
by OnFire
Wed Jan 22, 2014 3:21 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8956

Re: Biggest regrets in your life in financial investment?

Unlike the OP, I'm glad I rented out my starter house and became a landlord. Instead of taking a $30K loss, I have someone else paying my mortgage each month. My biggest regret has been not putting it on the open market, then choosing when I would be moving out. Instead, I chose who rented out my ho...
by OnFire
Sun Jan 19, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

Re: Did you have a Lousy Job as a teen / young adult?

My father started an asphalt paving company. Being the bosses kid, I started helping my Dad by holding the transit rod while he surveyed parking lots for drainage. When I turned 15 I worked in an ice cream store, then a bagel shop. When I turned 16 and could drive to work, I got to work for my Dad s...
by OnFire
Sun Jan 19, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 4835

Re: Leaving an employer on bad terms? Deal breaker for new h

I called the employer today but they said she elected to keep her work profile closed and it's against company policy to disclose any information other than employment dates and titles. We have friends who worked with her, and think highly of her. I work at a Fortune 500 firm as a Manager, and I re...
by OnFire
Tue Jan 14, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving an employer on bad terms? Deal breaker for new hire?
Replies: 32
Views: 2434

Re: Renting Our Starter Home - Pros and Cons

I rented out our starter home. It was much like yours. 900 sq. ft., 3 bedrooms, 1 bathroom. I put a sh!tton of work into it. New roof, driveway, bathroom, kitchen, patio, all the bedrooms, and a complete garage rehab, Probably $60K+. BUT, I only paid $70K for it in a neighborhood where the average h...
by OnFire
Tue Jan 14, 2014 3:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2779

Re: High Earners - What's Your Profession?

Firefighter/paramedic in a large municipal department in the midwest. Ten years into my career at age 39. Almost no debt to get the job. Just passed 100K three years ago. Made 113K in 2013. DW is a DDS. Made over 100K a couple of years, but couldn't handle the work load with two small kids. Now she'...
by OnFire
Mon Jan 13, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: How much should a good dentist make yearly?

I am not unhappy with the number of hours my wife works. Nor the effort she puts in. She works hard. I just think that the reward that she gets for the amount of her work is skewed. When we got together, she had a rented high-rise condo, a new car, $15K in credit card bills, and $150K in student loa...
by OnFire
Sat Jan 11, 2014 2:18 am
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15272

Re: Any Car Enthusiasts?

[img]/Users/admin/Pictures/iPhoto Library/Masters/2011/10/30/20111030-204751/DSC_0473.JPG [/img] Car nut over here. I am an absolute adrenaline junkie and LOVED going to the track for Driver's Education days. Former member of both the Porsche Club of America (PCA) and the BMW Car Club of America. (B...
by OnFire
Fri Jan 10, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 2713

Re: How much should a good dentist make yearly?

Your right GenXer. That post was made through my own Extreme Type A personality. I was in medical school and dropped out because I didn't have a passion for it. My wife is a ridiculous genius (IQ of 150+) and could have gone into anything, but she wanted the more 9-5 M-F schedule a career in dentist...
by OnFire
Wed Jan 08, 2014 1:49 am
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15272

Re: Poll: $ monthly contribution to 529/college savings

I have two boys, and 3 1/2 and 2. I started out by putting all their birthday, Christmas, etc. money into their accounts. If someone gave us a Babies "R" Us gift card for %25, and we bought diapers with it, I still put $25 into the 529. In my own warped mind, the gift was "theirs"...
by OnFire
Wed Jan 08, 2014 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 5589

Re: How much should a good dentist make yearly?

I hadn't looked at this thread in quite a while. Things have changed a bit, but not much. My salary has gone up slightly. I made $109K in 2012, and $113K in 2013. My wife quit her Saturday job after we had our second son in 2011, but opened her office on Saturday mornings. She made something like $8...
by OnFire
Mon Jan 06, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15272

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2032.5 A good year to all.
by OnFire
Thu Jan 02, 2014 2:21 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10654

Re: Hitting 40, prioritizing my investments….

Sorry if i seemed unclear. I am halfway to my pension with 9 years on the job. Pension is 50% of my final salary. right now my salary is $90K. I brought home 113K with training incentives and overtime. So if I retire at the minimum age, which is 50, I will have a pension worth $45K a year for the re...
by OnFire
Mon Dec 30, 2013 2:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Hitting 40, prioritizing my investments….
Replies: 12
Views: 1573

Hitting 40, prioritizing my investments….

I am about to hit 40, my wife is 34 and am trying to figure out where to prioritize my investments dollars. My wife is a dentist who owns her own practice. Here is a rough patchwork of where I am putting my investment dollars: My Roth IRA $5.500 Balance $45K Her Roth IRA $5,500 Balance $50K My 457B ...
by OnFire
Sun Dec 29, 2013 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting 40, prioritizing my investments….
Replies: 12
Views: 1573

Re: Tactical Flashlight for long walks at night vs. pepper s

http://www.amazon.com/Kimber-Pepperblaster-Red-One-Size/dp/B003L75SSI/ref=sr_1_1?ie=UTF8&qid=1386230239&sr=8-1&keywords=kimber+pepper+blaster I LOVE this thing. Carry it around constantly. Got one for my wife and my nieces. Lightweight, uses an explosive charge to propel the pepper gel. ...
by OnFire
Thu Dec 05, 2013 4:04 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4399

Re: Gift to young adult relatives

I'm kind of a jerk this way, but I would ask them to come over and have a talk with you about their Christmas gift and investing. I would put $8 on the table next to $200. Tell them that they can take the $8 now and leave, but if they want the $200, they have to give you an hour of their time. Expla...
by OnFire
Mon Dec 02, 2013 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gift to young adult relatives
Replies: 30
Views: 2057

Re: Bogleheads' "Rags to Riches" Stories

My grandfather came to America from Ireland with $20 in his pocket in 1907. He died when my father was 11 and my uncle was 7. Grandma worked at MaBell as an operator. My mother was the oldest of six kids, and most of her family had moved to rural Alabama when she was in her 20's. My parents got marr...
by OnFire
Sun Oct 27, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 14141

Re: Teaching children to invest

You, sir, and your daughter both astound me. Sounds like you are doing well so far. My children are smaller than yours. I think I would like to learn from you. From what I have heard so far, I think a Roth IRA is probably appropriate. You can pay your daughter up to $600 a year for doing house hold ...
by OnFire
Sat Oct 12, 2013 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Teaching children to invest
Replies: 10
Views: 816

Re: Book Recommendations to learn more about Sales technique

By far, my number one choice for this situation is "How To Win Friends And Influence People". A distant second is "Think, And Grow Rich."
by OnFire
Thu Aug 01, 2013 1:24 am
 
Forum: Personal Consumer Issues
Topic: Book Recommendations to learn more about Sales technique
Replies: 11
Views: 772

Re: What did Bogleheads do when the stock market crashed?

In addition to my emergency fund, I have a "Vegas or other stupid thing" fund. I remember seeing the DJIA at 6000. I thought to myself 6000! Its HALF of where it was. Hell, anytime anything I want to buy is HALF off, I am ready to buy. I hadn't put anything into my Roth at that point, so i...
by OnFire
Tue Jul 23, 2013 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79328

Re: Chicago Meeting #3

Planning on attending. Just need to get the CEO's permission. If you need a head count, count me in...
by OnFire
Tue Jul 23, 2013 11:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2430

Re: A spectacular movie, and a terrible movie

spectacular-Sharknado terrible- sharknado time LOVED Sharknado. Check out the glowing review here: http://entertainment.time.com/2013/07/12/perfect-storm-the-genius-of-sharknado/ For me, the best movies I've seen lately in the "possibly overlooked" category is "Seven Samuri" and...
by OnFire
Sun Jul 14, 2013 2:52 am
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9187

Re: What was your worst investment?

Podiatry school. I was always a adrenaline junkie. I wanted to be a trauma surgeon or an ER doc. I thought podiatry would be cool because A.) I could get in with my 3.1 GPA and 2.) You could become a surgeon with a 3 year residency. I didn't realize before I started there are only haIf as many surgi...
by OnFire
Tue Jul 02, 2013 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7266

Re: 25 years today (how long u been on the job ???)

Just finished 8 years on the job.

Wife and I have been together for 7 years, married for 5.

Her car- 7 years
Mine- 6 months (second hand lease)
Fun Car- 9 years Jeep Wrangler-inherited and bought 5 years old
by OnFire
Sun Jun 30, 2013 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5722

Re: Cash at home

I have about a grand in cash, including small bills. About 20 silver 1 oz coins. I also have a small stock of non-perishable food, and two six-gallon gas cans I rotate about every six months. I also have two SUVs, a Jeep Wrangler and an Acadia. All-weather radio, drinking filters, firearms, a few hu...
by OnFire
Thu Jun 27, 2013 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4726

Re: Bogleheads Without Avatars

I feel like a girl with a new dress sporting this avatar!! Pic looks about right for a guy 100% equities fully tilted. I instantly like the first person to name the actor and the movie. No internet cheating! :) That's Ash, from one of the greatest movies of all-time, Evil Dead 2. (Just ask Jack Bac...
by OnFire
Wed Jun 26, 2013 2:54 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 13676

Re: Does base for asphalt driveway need to settle?

My father owned an asphalt paving company. I paved asphalt from ages of 15-30. I have personally shoveled thousands of tons of asphalt. I have paved hundreds of thousands of tons of asphalt. At least hundreds of miles. Probably thousands. I am from the Chicago area. Here we use limestone for our bas...
by OnFire
Wed Jun 26, 2013 2:09 am
 
Forum: Personal Consumer Issues
Topic: Does base for asphalt driveway need to settle?
Replies: 7
Views: 833

Re: Need help with my "fun money"

Buy a used 1999-2005 Miata for $7500 instead and take it on weekend road trips with your family/friends. Sell it for as much as you paid for it five years later.

Will generate considerable more fun than what you are considering.

IMO.
by OnFire
Wed Jun 26, 2013 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with my "fun money"
Replies: 17
Views: 1327

Re: Pension troubles....

Goalie, you hiring? I have a million certifications. Haz-mat technician, paramedic, CDL drivers license with haz-mat endorsements, rope rescue, master SCUBA diver, building collapse rescue specilist, most of which help me earn extra pay. Last year I made just over $100K. And before you complain that...
by OnFire
Fri Jun 21, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension troubles....
Replies: 16
Views: 2081

Re: Pension troubles....

One problem with that, I'm stuck. I'm not really qualified to do anything else, unless I want to cut my pay in half and become a truck driver. Most municipalities require you to be age 35 or younger in order to get hired. I knew the pension situation was bad going in, but it's getting worse every ye...
by OnFire
Thu Jun 20, 2013 2:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension troubles....
Replies: 16
Views: 2081

Pension troubles....

The good news is that I have a traditional pension! Yay! The bad news is that I live in the worst state in the country when is comes to funding its pensions. It was recently reported that they are underfunded by $100 Billion. The worse news is that I work for the largest city in the state. It has a ...
by OnFire
Thu Jun 20, 2013 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension troubles....
Replies: 16
Views: 2081

Re: Hung out to dry.. Any advice on poor customer service?

Your best bet BY FAR, is to report them to the Better Business Bureau. If they are a business, they almost certainly care about their ratings. I've had companies jump through hoops to satisfy me after filing a complaint. Or pay with a credit card, and then disputed the charges. The credit card compa...
by OnFire
Thu Jun 20, 2013 2:03 am
 
Forum: Personal Consumer Issues
Topic: Hung out to dry.. Any advice on poor customer service?
Replies: 4
Views: 879

Re: A thought on net worth 'skewedness'

Person A all the way. But measured. I owe mortgages on two houses. My wife owes $130 in student loans. I owe about $8K in student loans. We have been dumping as much as we can into 401Ks and our Roth IRAs at the expense of paying off our debt. But, my student loan is probably going to be forgiven in...
by OnFire
Thu Jun 20, 2013 1:54 am
 
Forum: Investing - Theory, News & General
Topic: A thought on net worth 'skewedness'
Replies: 53
Views: 3317

Re: Should I sell my bonds and pay off student loan??

I disagree with paying off THIS debt with the bonds. First of all, most student loans are for time periods of 30 years. In the last 30 years, inflation was sometimes above 5%. If inflation rises, there is the possibility that you could have a negative interest rate. (Student loan of 3% locked, infla...
by OnFire
Tue Jun 18, 2013 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my bonds and pay off student loan??
Replies: 15
Views: 1413

Re: Wanting to spend money all of a sudden

I neve really had that problem, but I did have a need to blow money. I knew I was going to have kids and be tied down, so I went nuts and traveled the world. In three years I went to Cancun, Cozumel (twice), Maui, Kauai, Ireland, San Diego, Arizona, Las Vegas and recently hit the Bahamas. Don't regr...
by OnFire
Mon Jun 17, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Wanting to spend money all of a sudden
Replies: 76
Views: 5888

Re: What age did you reach 100K networth?

If you include my nuclear family, my wife, the kids, etcetera, I think it might have been just been in the last year at age 38. My wife came out of dental school ten years ago with $150K in student loans, a $25K car note, and about $10K in credit cards. She was living in a rented high-rise condo on ...
by OnFire
Sat Jun 15, 2013 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31248

Re: [EveryDay Carry] EDC pocket knife?

I've carried a knife daily for nearly 20 years. I've carried a least a dozen different kinds, including Spyderco, Smith & Wesson, Swiss Army, Kershaw, multi-tools, etc, mostly because I loose about one a year.I keep coming back to this: http://www.amazon.com/GERBER-E-Z-Out-Skeleton-Serrated/dp/B...
by OnFire
Thu Jun 13, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: [EveryDay Carry] EDC pocket knife?
Replies: 69
Views: 4125

Re: What Short Term $$$ Goals Have You Achieved?

I agree buying a track car is dumb. That's why I said in my post that it was stupid. What I was trying to do was have Bogleheads brag a little. "I paid off my car." "I hit six figures in my retirement accounts." Etc. etc. Nothing encourages positive behavior like praise for posit...
by OnFire
Mon Jun 10, 2013 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Short Term $$$ Goals Have You Achieved?
Replies: 13
Views: 1898
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