Search found 309 matches

by OnFire
Sat Mar 12, 2016 2:27 am
Forum: Personal Consumer Issues
Topic: Looking for a Mission-style Oak Dresser
Replies: 6
Views: 690

Looking for a Mission-style Oak Dresser

My parents used to live in a manufactured home in a camp-ground type resort an hour away from me. It caught fire and burned to the ground. They will probably be spending around a month over the summer in a bedroom in my basement. I recently bought a used, high end futon than I am quite fond of. It i...
by OnFire
Sat Mar 12, 2016 2:11 am
Forum: Personal Consumer Issues
Topic: Liability of hiring guys standing front of home improvement stores
Replies: 32
Views: 5336

Re: Liability of hiring guys standing front of home improvement stores

If you're on Facebook, I'd try to find one of the groups called "Moms and Dads of 'Neighborhood X'". I swear another one pops up every couple of days, and between my wife and I, we must be on half a dozen of them. Granted, we have a pretty tight knit community full of Irish cops and firefi...
by OnFire
Sat Mar 12, 2016 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Renting to Family Members
Replies: 26
Views: 2335

Re: Renting to Family Members

Previous posters have suggested virtually every reasonable objection (and several unreasonable ones) to your proposal, so due diligence has been covered. Let me say I think in this case this is a wonderful idea, a win-win for all involved, and I congratulate you on your plan. THIS. Bogleheads can b...
by OnFire
Wed Feb 24, 2016 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio (young, thick skin, very long time horizon)
Replies: 13
Views: 1411

Re: Portfolio (young, thick skin, very long time horizon)

To answer your question, we have to assume some things.... Are you currently maxing out your Roth IRA and 401K (or equivalent) tax advantaged space? Do you have an emergency fund, a home fund, a paid off vehicle, zero student loans, and zero credit card debt? If you are all of those things, congratu...
by OnFire
Sat Feb 20, 2016 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing for your children after 529s
Replies: 7
Views: 803

Re: Investing for your children after 529s

I agree that the Roth is a no-brainer. Absolutely sock everything they made into the Roth. If you are relatively confident that you have your 529's fully funded to the point it's not possible that they could spend any more (to the tune of $250K EACH) or you are maxing out the yearly contribution, th...
by OnFire
Sat Feb 13, 2016 1:16 am
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 19
Views: 2211

Allocating Personal Defense dollars...

As you might be able to guess from my username, I work as a firefighter/paramedic in a large midwestern city. It's plagued by gun violence. I work in one of the worst neighborhoods. It's nickname is "Terror Town" and the ambulance in my firehouse has been dubbed "Death Box 50". J...
by OnFire
Sat Jan 30, 2016 2:34 am
Forum: Personal Consumer Issues
Topic: Macbook replacement battery (do you get what you pay for?)
Replies: 21
Views: 1475

Re: Macbook replacement battery (do you get what you pay for?)

When I brought my MacBook in to the Apple store, the Genius told me (after some cordial conversation) to go to Macworld.com and buy the appropriate battery there. I think it was priced around $80-90 including shipping. Granted, it's not that much of a discount, but obviously, he has no horse in the ...
by OnFire
Wed Dec 16, 2015 3:18 am
Forum: Personal Consumer Issues
Topic: Which would you buy?
Replies: 16
Views: 2212

Re: Which would you buy?

Neither. I'd look for either a used version of either, but it with under 36,000 miles and less than 36 months old, then immediately spring for the 7 year/100k warranty for $1500-2000 dollars. So, now you get a nicer, newer car with a warranty, for less money. I took over a lease for a 2012 GMC Acadi...
by OnFire
Wed Dec 16, 2015 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Help this Chicago firefighter figure out the chances I'll get killed...
Replies: 20
Views: 2283

Re: Help this Chicago firefighter figure out the chances I'll get killed...

Oops. Forgot to mention that one our biggest expenses is her student loan. They were close to $150k, now close to $110k. $850 a month for the next 20 years. It's fixed at something like 1.5%, so it will be the last thing to be paid off. Also, I made more than she did the last four years, and I only ...
by OnFire
Wed Dec 16, 2015 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a BMW i8 priced at ~150k?
Replies: 64
Views: 5560

Re: Can I afford a BMW i8 priced at ~150k?

Buy my Lotus Elise instead. Make the check out directly to my son's college. Save yourself well over $100k. This. I've driven Honda S2000s, Nissan 370Zs, Mustang 5.0s, Corvettes, and Ferrari 355s, 360s, and 458s. I've owned 911s, Boxsters, and a BMW 335i. The Elise is as much fun as you can have in...
by OnFire
Wed Dec 16, 2015 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Help this Chicago firefighter figure out the chances I'll get killed...
Replies: 20
Views: 2283

Help this Chicago firefighter figure out the chances I'll get killed...

http://www.chicagotribune.com/news/local/breaking/ct-colleagues-remember-firefighter-daniel-capuano-always-on-the-top-of-his-game-20151214-story.html Dan was a friend of mine. We worked on the same shift, and his fire station was right next to mine, about 2 miles away. The first few sentences of the...
by OnFire
Tue Nov 10, 2015 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Question regarding helping son with graduate school loan debt
Replies: 42
Views: 2895

Re: Question regarding helping son with graduate school loan debt

Since you are already subsidizing much of his normal daily living expenses, I would be far more inclined to propose to match his payments on his student loans rather than gifting or lending him the money. I would have a serious conversation with him to assess his understanding of the importance of ...
by OnFire
Tue Nov 10, 2015 12:23 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $11,392.79 in a Vanguard Roth IRA?
Replies: 17
Views: 1656

Re: What to do with $11,392.79 in a Vanguard Roth IRA?

I am up around 60K, and I have 90% (or so) in Target Date 2040 and 10A% Bonds for my "emergency fund". I recommend #4.
by OnFire
Thu Nov 05, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lithium Snow Blowers.... New w 3 yr warranty or used?
Replies: 14
Views: 1472

Re: Lithium Snow Blowers.... New w 3 yr warranty or used?

After reading the responses on here, and always wanting Honda snow blowers/lawn mowers/generators, I went out and bought used versions of all. I searched Craigslist, and got a new EU2000i generator, (I put the first tankful of gas and oil through it), a HS520 AS snow blower, and a 217 lawn mower. Fo...
by OnFire
Wed Nov 04, 2015 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Solar City back-up home battery
Replies: 16
Views: 1975

Re: Solar City back-up home battery

Working in the emergency services industry, I see the black swans of needing an ambulance, a fire engine, or car wreck rescue almost everyday. It makes me realize a bit more that we really do need to be able to rely on yourself if some really big SHTF. Almost every place that tells you what you need...
by OnFire
Thu Oct 22, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Lithium Snow Blowers.... New w 3 yr warranty or used?
Replies: 14
Views: 1472

Re: Lithium Snow Blowers.... New w 3 yr warranty or used?

I'm in Chicago. I'd get this and the lawn mower for the tenant of a rental house I own. I am getting a Honda electric start single stage for my wife. *I* am going to Arizona for a month. So far, I am still leaning towards the slightly used version.
by OnFire
Thu Oct 22, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Lithium Snow Blowers.... New w 3 yr warranty or used?
Replies: 14
Views: 1472

Lithium Snow Blowers.... New w 3 yr warranty or used?

I'm pretty sure I am going to get one of these: http://www.amazon.com/gp/product/B00E3OXF6A?keywords=sno%20joe%20ion%20battery%20powered%20snow%20blower&qid=1445482570&ref_=sr_1_1&sr=8-1 and one of these: http://www.amazon.com/gp/product/B00E3OXF6A?keywords=sno%20joe%20ion%20battery%20po...
by OnFire
Sat Sep 26, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Men vs. Women - Spending vs. Saving
Replies: 28
Views: 2414

Men vs. Women - Spending vs. Saving

A recent thread asked a cathartic question: Why is it that men and women seem to fight- and end relationships- over money. Being a psychology major, and a Boglehead, I've come to ponder: Why does it seem that men, who are much more likely to risk life and limb- in jobs such as the military, police, ...
by OnFire
Fri Sep 25, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: What is an ideal vehicle to handle a long commute?
Replies: 93
Views: 6004

Re: What is an ideal vehicle to handle a long commute?

I know that for me, being employed in the fire service, and in a Union, (and the son, grandson, nephew and brother of Union men) buying American was kind of a big deal. Although Honda isn't American, they assemble the Ford Fusion in Mexico and build the engine in Spain. The Accord is built in Ohio, ...
by OnFire
Fri Sep 25, 2015 8:57 pm
Forum: Personal Consumer Issues
Topic: What is an ideal vehicle to handle a long commute?
Replies: 93
Views: 6004

Re: What is an ideal vehicle to handle a long commute?

We live in Chicago and we get that same winter weather. We do 90% of our driving in stop and go traffic, so for us, the City MPG rating was more important than the highway. A standard Accord gets about 24 MPG City. A Honda Accord Hybrid gets 50 MPG city. We got the mid-level EX-L with heated leather...
by OnFire
Wed Sep 16, 2015 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Best Lawnmower/Snowblower for Rental House Tenants
Replies: 8
Views: 905

Re: Best Lawnmower/Snowblower for Rental House Tenants

Right now, I am leaning HEAVILY toward getting one of these: http://www.amazon.com/Joe-Cordless-iON16LM-16-Inch-Brushless/dp/B00IP1MG2Q/ref=sr_1_1?s=lawn-garden&ie=UTF8&qid=1442384914&sr=1-1&keywords=sun+joe+brushless And these: http://www.amazon.com/Snow-Joe-iON18SB-Rechargeable-Lit...
by OnFire
Tue Sep 15, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best Lawnmower/Snowblower for Rental House Tenants
Replies: 8
Views: 905

Best Lawnmower/Snowblower for Rental House Tenants

I bought a new house and kept my old house because I was basically flat (not underwater/no equity). It's worked out so far with zero down time between renters and me making a small profit that I put toward the principal each month. ($100-150 a month-which usually breaks even by the time I am done wi...
by OnFire
Sat Aug 22, 2015 5:47 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9716

Re: How long will you"Stay the Course"?

Until a proven method of investing comes along that beats the Boglehead way. Has there been one yet? Not as far as I know. And if there was, I'm pretty sure the hyper-intelligent people on this board would either A.) exploit for themselves or B.) Share it with the world. Either way, If only one pers...
by OnFire
Sat Aug 22, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 22
Views: 2454

Re: Applecare+ for new iPhone?

My wife had a case for her iPhone 4 and when she dropped it, the screen broke. Over the years we have had almost every version of the iPhone, and the list of the ways we have broken them is long and varied; dropped on the sidewalk, dropped into a toilet, splashed with a glass of water at a restauran...
by OnFire
Sat Aug 22, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 9392

Re: Cheaper car for someone who enjoys cars?

It depends if you care if you drive a brand new car or not. I don't care, so I assumed someone else's lease that was one year old, then, when the lease was up, I bought an extended warranty and bought the car (a 2012 GMC Acadia). It saved me about $10k and I still have a factory warranty for another...
by OnFire
Wed Jul 15, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 6472

Re: Does Anyone Plan to Work Past 70 years of Age

There is not a chance on the planet that I will retire at age 70 in my current profession. I am a firefighter and a paramedic in a large city in the midwest. I am mandated to retire at age 63. Even if they changed the law, (I was recently in San Jose and they are mandated out at 73,) there is no way...
by OnFire
Wed May 27, 2015 12:49 am
Forum: Personal Consumer Issues
Topic: Cheapest host to buy and sponsor a domain name?
Replies: 13
Views: 1287

Re: Cheapest host to buy and sponsor a domain name?

I used GoDaddy for my website photography business. After I got married and had kids I couldn't keep up the business. I let it lapse, and after a few calls from them where I politely declined to re-up their service, it was OBVIOUS GoDaddy sold my name, phone number and address to every dirty pimp wh...
by OnFire
Mon Mar 30, 2015 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS looking for money, my CPA just died….
Replies: 10
Views: 3379

Re: IRS looking for money, my CPA just died….

Just to follow up, I decided to roll the dice with the IRS and not pay. My accountant (the dead one) had most of his accounts taken over by his son, including my wife and her dental practice. I figured I would wait until I get my taxes done my him this year and ask his advice. Maybe he could find so...
by OnFire
Sun Mar 29, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 15888

Re: Smartest Financial Move You Ever Made

So far, it's a tie. Proably the biggest was opening and maxing out Roth IRAs for me and my then girlfriend and fully funding them in 2008 and 2009. I knew we were near half of the historical high of the Dow and wanted to get in when the market was low. I like to be greedy when other are fearful, and...
by OnFire
Mon Mar 09, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 6784

Re: How long did you stay in your starter home?

9 years. Planned on flipping it and being out in a year, but I needed a place to live, and there wasn't anyplace cheaper. It was a TOTAL wreck. Orange linoleum floors, brown carpet in the kitchen, holes in the shower walls, swastikas in the bedrooms, extension cords poked through holes in the walls ...
by OnFire
Sat Mar 07, 2015 12:27 am
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 8958

Re: What is your credit score?

I bought my mid-life crisis car ( 2000 Porsche Boxster S) through my credit union. They checked my credit score and said it was the 6th time they've ever had anyone pull an official 850. I told my wife, "See, honey, I told you I was perfect." A quick check from Discover says I am now an 83...
by OnFire
Mon Dec 22, 2014 2:48 am
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 13260

Re: Don't be tempted to buy your teen a cheap (old) car, par

I posted somewhere else on the board on this topic recently. New cars really are safer. I am a firefighter/paramedic in a large mid-western city. I had a call about eight years ago. Cops vs. car full of teens attempting to flee. They wound up hitting each other. Cop car was about a 2004-6 Impala. Ev...
by OnFire
Sun Dec 21, 2014 3:02 am
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 10964

Re: How do you define "being rich"?

I think that being rich is a function of assets, not income. If you have 3 kids and a $400K house with 4 bedrooms and 2 baths in NJ (or wherever) and $400K in student loans between you and your wife, but are making a combined $150,000 a year, your not rich. If you are living on your own land with a ...
by OnFire
Sat Dec 13, 2014 2:38 am
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 6377

Re: You folks think [a market crash] is coming?

"Be fearful when others are greedy. Be greedy when others are fearful." When the Dow was around 7,000, I dumped all the cash I had into the market. It was HALF of what it was two years prior. Now that it is near historic highs, I have pulled back slightly. I redistributed some of my invest...
by OnFire
Thu Dec 04, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2870

Re: Buying a kids first car -- considerations?

As far as the good/bad idea of giving a brand new driver their own car- unfortunately only you have the knowledge of what she if likely to do when alone behind the wheel. While the maturing process between 16 and 18 is a large factor in how likely she is to get into a crash, statistics prove that th...
by OnFire
Thu Dec 04, 2014 12:39 am
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2870

Re: Buying a kids first car -- considerations?

As foolish as this may sound, I think that kid #1 has "earned" an upgrade to the Mini Cooper since she has been responsible and hard working, IF kid #1's car is older and/or less "cool'". I would make it her option to upgrade to the Mini and daughter #2 gets the hand-me-down whic...
by OnFire
Thu Dec 04, 2014 12:26 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2460

Re: Teeth whitening

My wife is a dentist. I am assuming because you put "professional" whitening, it was from a dentist? The stuff you get from a drug store is different from the stuff your dentist gives you. The vast majority of the cost from a dentist is the time and material to make the custom mold. The &q...
by OnFire
Wed Dec 03, 2014 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 12813

Re: Life changing decision... advice needed!

I work in emergency medicine too, but on the other side. I have been a firefighter/paramedic in a large midwestern city for 10 years. I went to podiatry school before dropping out. I married a dentist. When I went to podiatry school, to was a substitute for doing what I REALLY wanted to do, be an ER...
by OnFire
Wed Dec 03, 2014 12:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS looking for money, my CPA just died….
Replies: 10
Views: 3379

IRS looking for money, my CPA just died….

Neither my wife or I can remember when, it was about 1 1/2 to 2 years ago, but the IRS sent us a letter looking for some taxes…. We bought a house we really didn't have the cash for. We used part of our emergency funds to put down 20%, about $42K, and kept our old house to rent out since it was almo...
by OnFire
Mon Dec 01, 2014 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 7085

Re: [woke up] and whole life has changed. [disabled vet]

Sorry to echo the sentiment of the collective board, but you know the old saying, (or at least I believe it…) When EVERYBODY says the same thing, EVERYBODY has a tendency to be right. Thank you for keeping my family and my country safe from those that would do us harm. I appreciate that there are pe...
by OnFire
Wed Nov 26, 2014 12:24 am
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1863

Re: Should I Fix 1999 Grand Marquis (182K Miles)

Time to put it out to pasture….
by OnFire
Tue Nov 04, 2014 10:41 pm
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 52
Views: 14037

Re: Getting another key made for my car

So the Porsche I bought (referenced in other threads) came with only one key. I called the dealerships and searched the Porsche forums. It is apparently utterly impossible to get a key made any place other than a Porsche dealership, and even then you must have a vehicle title, insurance, a pint of b...
by OnFire
Sat Nov 01, 2014 11:55 pm
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 8130

Re: $25K Budget for a Fun Car

Did you ever make a decision? What did you get?
by OnFire
Fri Oct 31, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 3399

Re: Tips on winning a small claims court case in California.

"Truth is an absolute defense against libel…" From Wikipedia…. There are several ways a person must go about proving that libel has taken place. For example, in the United States, the person must prove that the statement was false, caused harm, and was made without adequate research into t...
by OnFire
Tue Oct 28, 2014 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 3399

Tips on winning a small claims court case in California...

You can see the background of my decision on whether or not to buy the car here: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=139198&p=2058305 and the discussion about when the engine blew up here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=139827 Basically, in May 2014,...
by OnFire
Wed Oct 15, 2014 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How to buy a used car
Replies: 16
Views: 2437

Re: How to buy a used car

It's just my opinion, but I would highly recommend buying somewhat local, within a days drive. I found exactly the car I wanted in San Jose. I'm in Chicago. I used a mechanic highly recommended by the seller and highly rated by Yelp! The car upon arrival, had obviously been repainted, which wasn't i...
by OnFire
Thu Jul 24, 2014 12:40 am
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 26
Views: 2955

Re: Best Used Recreational Bicycles for New Riders

Ask the LBS and see if they have any of last years models. Usually a a steep discount and you'd never be able to tell the difference anyway. I got an $800 one year old bike for $400 and still ride it regularly. I'd also do some asking/checking around for recommendations for a shop. Few people will s...
by OnFire
Wed Jul 23, 2014 2:26 am
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 26
Views: 2955

Re: Best Used Recreational Bicycles for New Riders

ABSOLUTELY ABSOLUTELY ABSOLUTELY do NOT buy a Huffy, Murray, etc. bike. My father bought me one for college commuting and when standing and cranking on the pedals trying to get across a street quickly, the weld that held the cranks to the sprockets broke and I got flung off the bike and into traffic...
by OnFire
Thu Jul 17, 2014 12:28 am
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 16776

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I looked at the cars you looked at. I am not against buying Japanese, but I have a strong preference for American made vehicles. I recently bought a Honda Accord Hybrid because they make them in Ohio, while the Ford Fusion Hybrid is made in Mexico. I work as a union firefighter and that's kind of hi...
by OnFire
Fri Jul 04, 2014 10:38 am
Forum: Personal Finance (Not Investing)
Topic: 20 Year vs 30 Year Term Life Insurance for a 35 year old
Replies: 14
Views: 1854

Re: 20 Year vs 30 Year Term Life Insurance for a 35 year old

Check into professional trade groups or Union benefits if you have them. My wife is a dentist and our combined $1 million each 30 year term policies are something like $400 a year through an ADA affiliated insurance company. WAY less than any place we looked.

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