Search found 477 matches

by Incendiary
Fri Mar 30, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 35381

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: 114
Views: 35381

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: 114
Views: 35381

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: 114
Views: 35381

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: 729

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: 306

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: 19576

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: 19576

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: 2863

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: 2863

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: 2863

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: 734
Views: 204667

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....
by Incendiary
Sat Jan 20, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 35381

Re: WSJ Digital Subscription - a bargain!

I haven't. Still works. Looks like it's hit or miss.
by Incendiary
Thu Jan 18, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

Iceland was my first thought, and I like Ireland as well, or fly to the UK but visit something outside London, like Bath, Cornwall, or Yorkshire. Shorter, direct flights seem nicer, maybe a train ride after. We took our then 6-year-old to Europe, and he loved it, and still remembers loads of it. Al...
by Incendiary
Wed Jan 17, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

Thanks for the replies. Follow up question, which could be its own thread and probably has been in the past:

How much do you spend on your reasonably priced trips? Would be helpful to know family size as well, since three will be quite different from eight.
by Incendiary
Mon Jan 15, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

I have no idea about how expensive places are other than that London and Tokyo are super pricey.

Iceland is apparently only cheap to get to, as many have mentioned. This is good to know. Airline prices are quite reasonable for Iceland and Ireland, as well as Costa Rica.
by Incendiary
Sun Jan 14, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

Great suggestion. That will be on the short list for our next domestic vacation.
by Incendiary
Sun Jan 14, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

Thanks. I did think that three would be too young for a trip like this, thus being a waste of money. However, we went to a Caribbean island a couple years ago and our elder child continued to talk about it for a while after. He was fascinated by the buses we took. That impressed upon me that even at...
by Incendiary
Sun Jan 14, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

I am indeed an antsy person. However, the main reason I added safe as a requirement is because we initially were going to go to another country and numerous people told us to choose a different destination because it wouldn't be safe to go, particularly with kids. I'd like an interesting cultural ex...
by Incendiary
Sun Jan 14, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

I think we are leaning towards somewhere in Europe for this trip. The kids have not been there.

Iceland, Ireland, England, and Amsterdam so far. I didn't think most people thought London was "reasonably priced"?
by Incendiary
Sun Jan 14, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Re: Looking for a reasonably priced, safe international destination

Canada is a great idea, but we have been several times and would like to try something new.

Bermuda is an idea!
by Incendiary
Sun Jan 14, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7261

Looking for a reasonably priced, safe international destination

I live in the DC area (DCA, IAD, BWI). Have two young kids, 6 and 3. Have up to a week off. I only speak English. The trip will be first week of May.

Wants:
Safe for the family
Not too expensive
Outside the US

I was thinking Iceland. Any other destinations that fit this bill?

Thanks!
by Incendiary
Tue Jan 09, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 18173

Re: Any Porsche 911 owners here?

You forgot Corvette on your list.
by Incendiary
Sun Jan 07, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 9598

Re: How much are you putting in a 529?

I expect to fully cover the cost of private college and graduate school for my kids. My and my spouse's parents did that for us, so it's only fair. We have about $387k in 529s for them. They are almost 6 and 3.5 yo. We contribute about $30k to their funds each year. Why is intergenerational fairnes...
by Incendiary
Sun Jan 07, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 9598

Re: How much are you putting in a 529?

I expect to fully cover the cost of private college and graduate school for my kids. My and my spouse's parents did that for us, so it's only fair. We have about $387k in 529s for them. They are almost 6 and 3.5 yo. We contribute about $30k to their funds each year.
by Incendiary
Sun Jan 07, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 204667

Re: Share your net worth progression

Count of Notre Dame wrote:
Sat Jan 06, 2018 1:43 pm
34-year old married couple with two kids. I'm in investment operations for a mutual fund complex and she's an OB-GYN doc.

https://imgur.com/a/Ax4I2
What are non taxable investments?
by Incendiary
Sat Dec 16, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7950

Re: Snow Tires? Worth it?

I think snow tires are worth it for anyone in colder climates, where temps drop below 40-50 F on a consistent basis. I also understand why many choose to forego them. We have them for three cars and will add them for the fourth next year, if not this. Would do for this year but for some reason there...
by Incendiary
Wed Nov 08, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3852

Re: bidets

I cheaped out and bought another Luxe Bidet off Amazon, but this time with a hot water function. Some of you are big ballers with your $250-$1000 bidets!
by Incendiary
Sat Nov 04, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Roof leaked
Replies: 3
Views: 785

Roof leaked

I am having my roof replaced. During the replacement, it rained twice and water got inside the building ceiling and walls, causing damage to some items. The roofers will use their insurance to repair items and replace ceiling tiles, but I'm wondering about mold, rust, and wood rotting. Is water miti...
by Incendiary
Sat Nov 04, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3852

Re: bidets

I recently got a bidet add on from Amazon after reading endorsements on another forum. It's pretty awesome, I have to say. Does anyone else here use one? I got a Luxe Bidet Neo 185, which has male/female nozzles but only cold water. Pretty basic. Wondering what other features other BHs recommend or...
by Incendiary
Sat Nov 04, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3852

Re: bidets

stan1 wrote:
Sat Nov 04, 2017 9:47 am
Oh gosh, warm water sounds like a good idea.
It's actually not so bad with cold water. :happy
by Incendiary
Sat Nov 04, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3852

bidets

I recently got a bidet add on from Amazon after reading endorsements on another forum. It's pretty awesome, I have to say. Does anyone else here use one? I got a Luxe Bidet Neo 185, which has male/female nozzles but only cold water. Pretty basic. Wondering what other features other BHs recommend or ...
by Incendiary
Sat Nov 04, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 35381

Re: WSJ Digital Subscription - a bargain!

DailySubscription seems to be one of the coolest scams around -- BEWARE!! I too signed up for the 2-year subscription for $139.99. I got my credentials from Daily Subscription and was able to get access to the digital edition, just as advertised. The next time I went to log on (about a month later)...
by Incendiary
Tue Oct 24, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 6181

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

You already own one of the best DD cars made. Your 997TT is an awesome car and already paid for! It is an amazing car and some people were telling me why not sell the Mazdaspeed and daily the Turbo. Few reasons from my perspective: 1. It is a "higher mileage" (62K) car. The previous owner already d...
by Incendiary
Mon Oct 23, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 6181

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

You already own one of the best DD cars made. Your 997TT is an awesome car and already paid for! It is an amazing car and some people were telling me why not sell the Mazdaspeed and daily the Turbo. Few reasons from my perspective: 1. It is a "higher mileage" (62K) car. The previous owner already d...
by Incendiary
Sun Oct 15, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Coverdell logistical questions
Replies: 5
Views: 682

Re: Coverdell logistical questions

If you die?
by Incendiary
Wed Oct 11, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell logistical questions
Replies: 5
Views: 682

Coverdell logistical questions

Does anyone know if Coverdells have beneficiaries and successors like 529s do? My son's name is listed on a Coverdell that is in my name. He is therefore the beneficiary and I am the account holder. I was told that I cannot designate a successor, however, like I can with a 529, in the event of my de...
by Incendiary
Fri Oct 06, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected for Chase Ink Business
Replies: 7
Views: 1084

Re: Rejected for Chase Ink Business

Is this to prevent churn and burn?
by Incendiary
Fri Sep 29, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9624

Re: What will happen if I refuse to pay a medical bill?

I'm sorry to hear this happened to you. Honestly, I blame the insurance companies more than I blame your doctor's office. They are like the school bully, picking on physicians and patients alike and indiscriminately. They pay what they want to pay, when they want to pay, or not. Or they pay and then...
by Incendiary
Sat Sep 23, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 4578

Re: Luxury Car Purchase

If you're living on 70k from 3mil shouldn't be a problem to spend that kind of money on a car. Real estate does have risks specific to market but if those are risks you're willing to take. My only request is don't be one of those old people who finally buy a 500hp sports car and drive 50 in the rig...
by Incendiary
Tue Sep 19, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 22407

Re: Let's talk about your FI # and family income [Financial Independence]

I'll play. $435k. Targeting $6.67 million in today's dollars with swr of 3%. That number won't change when my wife starts to make more money. Want to ensure house paid off, kids through college and grad school, cars purchased, weddings paid, and house down payments made before even contemplating ret...
by Incendiary
Wed Aug 30, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 75
Views: 8894

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

Would you consider the Infiniti QX three row vehicle? Formerly the JX, and now the QX70, I think?
by Incendiary
Wed Aug 23, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Paying for college with 529 money
Replies: 14
Views: 1251

Re: Paying for college with 529 money

I will tell my kids to go to the best school possible, but that's my family's philosophy. What are you interested in doing yourself?
by Incendiary
Mon Aug 21, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 39
Views: 5162

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

I saw a sticker of a type R for $25k above sticker. That's on a $35k car...
by Incendiary
Mon Aug 21, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to take?
Replies: 8
Views: 647

Re: which mortgage to take?

These are very thoughtful replies. Thank you, all.
by Incendiary
Mon Aug 21, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to take?
Replies: 8
Views: 647

Re: which mortgage to take?

Goal33 wrote:
Mon Aug 21, 2017 4:51 pm
You should probably find a 30 year fixed at less than 4%
This is for a commercial property. I don't think such things tend to exist.
by Incendiary
Mon Aug 21, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to take?
Replies: 8
Views: 647

Re: which mortgage to take?

The current 5 year treasury is 1.77%. It was as high as 1.95% on 7/7/17, but was 1.12% a year ago. I'm leaning towards #1 as well.
by Incendiary
Mon Aug 21, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to take?
Replies: 8
Views: 647

which mortgage to take?

I have a choice between two mortgage options for a property I'm looking to purchase. 1. 10 year fixed at 4.9% 2. 5 year fixed at 4.375% and then 5 year fixed at the then-current 5 year Treasury rate + 2.75% The way I see it, I should choose the first option if rates don't rise more than 0.9% by 5 ye...