Search found 513 matches

by Incendiary
Sat Aug 10, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

Wow, thanks, y'all! That's stellar info. Really appreciate it! And yes, definitely a lot to consider... :shock:
by Incendiary
Thu Aug 08, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

Obviously a newb to this arena, but is Series 65/RIA required to be a financial advisor?
by Incendiary
Thu Aug 08, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

I have trouble treating people other than the way I would want to be treated. May have to work on that. Much food for thought. Thanks, all. The Golden Rule (as you would like to be treated) applies to your clients too. Most of them expect to be paid adequately, either from their business or their e...
by Incendiary
Wed Aug 07, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

I have trouble treating people other than the way I would want to be treated. May have to work on that. Much food for thought. Thanks, all.
by Incendiary
Wed Aug 07, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

Before investing a lot of time in credentials , try offering your services for free to see who bites.. I would think a lot of these folks grow clients by referrals. So once you gain people's respect they will refer you to others.. The CFP apparently requires 6,000 hours of work as a financial advis...
by Incendiary
Wed Aug 07, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

Thanks, everyone. Some helpful advice indeed. Broken Man 1999, I would do a fixed fee. That is what I would want if I went to an advisor. I did some reading on the different certifications. CFA seems to be more about investment analysis, which doesn't really fit well with a BH philosophy... ChFC see...
by Incendiary
Wed Aug 07, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

TropikThunder wrote:
Tue Aug 06, 2019 2:12 am
Incendiary wrote:
Mon Aug 05, 2019 9:04 pm
What credentials would be most helpful for establishing credibility? CFP? Something else?

TIA. :sharebeer
You sure you’re on the right web site?
Ha, I know. But I've read that some BHs have an advisor.
by Incendiary
Wed Aug 07, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Re: Thinking of starting a financial advisory firm

Any other thoughts? Perhaps ones that actually answer my question?
by Incendiary
Mon Aug 05, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2579

Thinking of starting a financial advisory firm

What credentials would be most helpful for establishing credibility? CFP? Something else?

TIA. :sharebeer
by Incendiary
Sun Jul 14, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2418

Re: Want a 2 in 1 laptop

Thanks, all. Appreciate the advice.
by Incendiary
Sat Jul 13, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2418

Want a 2 in 1 laptop

What do BHers recommend? I was looking at the MS Surface Book 2, MS Surface Pro 6, and Lenovo Thinkpad X1 Yoga Gen 4. Would like to use this in my lap on the couch.
by Incendiary
Sat Jul 13, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 49772

Re: WSJ Digital Subscription - a bargain!

I haven't. Still works. Looks like it's hit or miss. My subscription to the wsj just stopped working. Drat. So far, mine is still working. Almost 6 months. Well it stopped today -- after calling WSJ support - it seems my subscription was a complintary one and it ended 2 weeks ago. No money was ever...
by Incendiary
Fri Jul 12, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5486

Re: Automatic Watches

Clearly quartz watches and cell phones give better time than mechanical watches. Quartz was what I wore until my 25 th anniversary in 2003. DW had saved $25 a week for 25 years and bought me a gold Rolex (they cost much less 16 years ago than now). Clearly I did not have 25 years to save up for her...
by Incendiary
Fri Jul 12, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5486

Re: Automatic Watches

It doesn't really matter how accurate it is right? This is the only home-run jewelry piece that men can wear. So it's jewelry and everything else about the watch is ancillary. If you need the time, pull out your iphone that you know is in your pocket. I wasn't really after jewelry. As I like having...
by Incendiary
Sat Apr 06, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2401

Re: Windows 10 security software

bertilak wrote:
Sat Apr 06, 2019 8:11 am
Incendiary wrote:
Sat Apr 06, 2019 6:09 am
Are you able to scan an individual file for a virus using Defender? Like, right click on a file and request Defender scan it?
Yes.

You can also choose to scan with MalwareBytes.
Knew that about Malwarebytes, but wasn't sure about Defender. Thanks!
by Incendiary
Sat Apr 06, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2401

Re: Windows 10 security software

Are you able to scan an individual file for a virus using Defender? Like, right click on a file and request Defender scan it?
by Incendiary
Fri Apr 05, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Mobile phone security software
Replies: 8
Views: 677

Mobile phone security software

Having read the windows thread at viewtopic.php?f=11&t=277626, I saw that almost everyone recommended the free Windows Defender with paid Malwarebytes Premium.

What about for phones? Particularly for Android ones like Google Pixel and Samsungs?
by Incendiary
Tue Mar 05, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Thanks for the replies to my specific queries, folks. Looks like based on the answers, my perfect place is the Northern Virginia exurbs of DC, i.e. eastern Loudoun County. (Fairfax is too expensive now.)
by Incendiary
Mon Mar 04, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). I...
by Incendiary
Mon Mar 04, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). I...
by Incendiary
Mon Mar 04, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Silicon Slopes. Came here to go to school. Had no family within 500 miles of here. In fact, I don't think I had ever been to Utah in my life. Planned to leave when I finished school. But I met someone and we started dating. She didn't finish school until a couple years after me, so I stuck around. ...
by Incendiary
Mon Mar 04, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

In the gentrifying urban core of San Diego. We left for a few years for career pursuits, but came back when I retired. We spent several months last year traveling the country. Went to 28 states. Talked to people, got a feeling for a lot of places. Then went home, happy with our decision to live whe...
by Incendiary
Mon Mar 04, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). I...
by Incendiary
Mon Mar 04, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Is there anywhere else in the US that offers all of these? Besides where? :wink: Can you think of one or more places that fit the bill? ;) I forgot to mention these two because I feel like they are baked into the description above, but also plenty of other people of education and means and German c...
by Incendiary
Mon Mar 04, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). Is...
by Incendiary
Sun Mar 03, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8969

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

I went through a dealer in Stuttgart for the Porsche. http://www.cars-intl.com/ Contact the owner, Pam Ewell for either a BMW or Porsche. She is the owner and will handle everything. If you’re not in the military or diplomatic corps, up until 2017 they still handled Euro delivery for people not aff...
by Incendiary
Sat Mar 02, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8969

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

I’m not sure about most manufacturers. I am not aware of any European manufacturers who do not take orders. So I’m not sure how much experience you may have doing it. I’ve bought my last 3 new cars through factory orders. I paid just over $45,000 for our Macan S in 2015 after it was all said and do...
by Incendiary
Tue Feb 26, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8969

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

I’m not sure about most manufacturers. I am not aware of any European manufacturers who do not take orders. So I’m not sure how much experience you may have doing it. I’ve bought my last 3 new cars through factory orders. I paid just over $45,000 for our Macan S in 2015 after it was all said and do...
by Incendiary
Sat Feb 23, 2019 12:01 am
Forum: Personal Finance (Not Investing)
Topic: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?
Replies: 46
Views: 4243

Re: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?

I did an executive format MBA program at one of the ivy league schools. I had a blast. Very intelligent and motivated and experienced classmates. Good teaching. Interesting subject material. I'd recommend you try taking some free online moocs first. There are some courses from Kellogg, Wharton, etc....
by Incendiary
Sun Feb 10, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: starting HDHP and HSA mid-year
Replies: 11
Views: 813

Re: starting HDHP and HSA mid-year

Great to know. Thanks!
by Incendiary
Sat Feb 09, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: starting HDHP and HSA mid-year
Replies: 11
Views: 813

Re: starting HDHP and HSA mid-year

Nate79 wrote:
Sat Feb 09, 2019 8:39 am
You can always open an HSA with someone like Fidelity and fund it regardless what your employer will allow.

One note is if you had an FSA with your previous insurance that complicates things.
How so? Can you not have both?
by Incendiary
Sat Feb 09, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: starting HDHP and HSA mid-year
Replies: 11
Views: 813

Re: starting HDHP and HSA mid-year

Thanks for the advice, everyone. Will check out the links, too.
by Incendiary
Fri Feb 08, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: starting HDHP and HSA mid-year
Replies: 11
Views: 813

starting HDHP and HSA mid-year

We get health care through my spouse right now. She has a comprehensive plan through her current employer, but will be starting a new job later this year (Sept? Oct?). At that time, we plan to switch to an HDHP so that we will qualify for an HSA. Will we be able to contribute the full amount to the ...
by Incendiary
Sat Dec 22, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: Stayed the course during a downturn?

Good point! But what if it starts going up now? Was the drop so far enough to qualify?
by Incendiary
Sat Dec 22, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Stayed the course during a downturn?

[Thread merged into here, see below. --admin LadyGeek] People who talk about asset allocation and blood in the streets and staying the course during a downturn are often asked if they themselves have been invested through a downturn without panicking. At what point in this market can we all now ans...
by Incendiary
Fri Nov 09, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 14544

Re: How much money did you receive from family? (Gifts/inheritance)

My parents have paid for my college, two grad schools, half of my spouse's grad school, cars, wedding, and house down payment. They are now contributing to kids college funds, and have socked away several million for us in brokerage accounts. Same for my siblings. We will inherit more when they pass...
by Incendiary
Fri Mar 30, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 49772

Re: WSJ Digital Subscription - a bargain!

I just checked the dailysubscription website. It shows 2 years of digital access to the WSJ for $139.99. Has anyone recently used this or is it a scam? Well I tried it a year or so back. I was never able to get it to work. Finally had to get refund via credit card, as that outfit is pretty nonrespo...
by Incendiary
Tue Mar 27, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 49772

Re: WSJ Digital Subscription - a bargain!

I just checked the dailysubscription website. It shows 2 years of digital access to the WSJ for $139.99. Has anyone recently used this or is it a scam? Well I tried it a year or so back. I was never able to get it to work. Finally had to get refund via credit card, as that outfit is pretty nonrespo...
by Incendiary
Sat Mar 24, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 49772

Re: WSJ Digital Subscription - a bargain!

I haven't. Still works. Looks like it's hit or miss. My subscription to the wsj just stopped working. Drat. Following up: After I emailed dailysubscription about my login not working anymore, they sent me another login which works. They said there was some problem with the subscriptions created las...
by Incendiary
Wed Mar 14, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 49772

Re: WSJ Digital Subscription - a bargain!

Incendiary wrote:
Sat Jan 20, 2018 11:06 am
I haven't. Still works. Looks like it's hit or miss.
My subscription to the wsj just stopped working. Drat.
by Incendiary
Thu Mar 08, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth for someone who makes less than threshold
Replies: 6
Views: 817

Backdoor Roth for someone who makes less than threshold

At a certain income, you cannot contribute to a Roth IRA. If you are below this level, can you still do a backdoor Roth? For example, some people have income that fluctuates from year to year but want to do Roth contributions on January 2. Do they need to wait until they know their income for the ye...
by Incendiary
Sat Feb 24, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: buying real estate in CA in trusts - TE to TIC, JTWROS, or CP
Replies: 3
Views: 569

buying real estate in CA in trusts - TE to TIC, JTWROS, or CP

I am buying a property in California with my wife. We each have revocable living trusts and want to buy the property through those two trusts. In our current state, we have a property purchased through our trusts that we then titled as tenants by the entirety. California doesn't have this, it seems....
by Incendiary
Wed Feb 14, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 23556

Re: For BHs who actually like cars - [what car do you drive every day?]

...this thread is about "what car do you drive every day" No, it isn't -- you're missing the first half. I want a Prius for one reason -- and one reason only. When I'm driving, there's nothing I love more than miles of open road in front of me. And every Prius I follow seems to have miles of open r...
by Incendiary
Sun Feb 04, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 23556

Re: For BHs who actually like cars - what is your daily driver?

ssquared87 wrote:
Sun Feb 04, 2018 10:38 am
Incendiary wrote:
Sat Feb 03, 2018 3:53 pm
2004 ZHP 6MT
If you ever decide to sell, PM me
Will do, esp since you actually know what it is. I'll likely drive it into the ground, though. Already has some bad oil leaks that plague E46s and other BMWs of that era. :(
by Incendiary
Sat Jan 27, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 3342

Re: If you lost your job

I agree that one should have a cushion set aside. My question was more along the lines of what would you do if you could never find work again in your chosen profession, or if your savings ran out. What would you do instead or how would you handle the situation?
by Incendiary
Fri Jan 26, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 3342

Re: If you lost your job

And what would you do?
by Incendiary
Fri Jan 26, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 3342

If you lost your job

One of my friends lost his job and has been unable to find a new one in the same industry despite looking for almost a year. He is considering what else he can do. Got me wondering about what I would do if I lost my job and had to make a change. I think I would probably move to a lower cost of livin...
by Incendiary
Wed Jan 24, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1024
Views: 279314

Re: Share your net worth progression

Updating. Adding 12/31/17 and revising prior years. 12/31/17: $902,482.16 12/31/16: $645,428.88 12/31/15: $504,071.76 12/31/14: $431,920.75 12/31/13: $308,867.65 12/31/12: $210,378.05 12/31/11: $119,691.14 12/31/10: $89,634.44 12/31/09: $57,830.43 12/31/08: $34,354.68 12/31/07: $39,976.59 I'll play....