Search found 538 matches

by jehovasfitness
Mon Oct 01, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3502

Re: New Dual Physican Couple

Why is OP's occupation relevant? I've noticed that physicians on this website tend to state their profession. It's interesting to me. To explain why we're in our early 30s with massive debt and insignificant retirement savings? That would have been my guess. Cause if I'm just reading a couple makes...
by jehovasfitness
Mon Oct 01, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3502

Re: New Dual Physican Couple

I'd pay off those loans beyond the match yes.

And not that anyone can predict but if my money was on a deep drop within 2 years... well. It kind of is lol
by jehovasfitness
Mon Oct 01, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9663

Re: Suze Orman - "I hate the FIRE movement."

re: She believes that unemployment will be 25% in a decade or two, and that tax rates will increase dramatically. Some of the people who hype AI and automation make similar forecasts, and a tax rate increase would presumably follow due to the smaller contribution base. I bet an article about that w...
by jehovasfitness
Mon Oct 01, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3502

Re: New Dual Physican Couple

Details on loan amounts?
by jehovasfitness
Mon Oct 01, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3672

Re: Used Car on Lot for Year and a Half

A car that has been on a lot for that long signals that there is something seriously wrong with the car, the price is WAY too high, or the dealership is very poorly run. Do any of those give you confidence to buy the car? Fleet use, accident, flood, salvage title - there's something wrong with it, ...
by jehovasfitness
Mon Oct 01, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9663

Re: Suze Orman - "I hate the FIRE movement."

So she retired early and is coming out of retirement to say she hates FIRE... seems legit
by jehovasfitness
Mon Oct 01, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3672

Re: Used Car on Lot for Year and a Half

It was a rental car for the first "owner", that tends to scare people off.

I know it does me.
by jehovasfitness
Mon Oct 01, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3672

Re: Used Car on Lot for Year and a Half

"Been struggling to find a decent used car for 6-8k in the Sacramento area." That's because there's no such thing as "a decent used car" for that kind of money. Either in Sacramento or elsewhere. Sure there is, I have one sitting in my driveway. 2007 Honda Pilot with 130k miles and it's good for an...
by jehovasfitness
Mon Oct 01, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 11069

Re: Anyone want to share their monthly budget? Here's ours

Wow, some of you really track stuff in detail. Spending Budget ~$120k annually. Monthly: $2100 house $3300 child care $150-450/mo utilities $50 Internet $1500 estimated tax (beyond withholdings) $175 auto/supp life insurance/umbrella Rest goes to credit cards for groceries, travel (minimal as you c...
by jehovasfitness
Mon Oct 01, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 11069

Re: Anyone want to share their monthly budget? Here's ours

Wow, some of you really track stuff in detail. Spending Budget ~$120k annually. Monthly: $2100 house $3300 child care $150-450/mo utilities $50 Internet $1500 estimated tax (beyond withholdings) $175 auto/supp life insurance/umbrella Rest goes to credit cards for groceries, travel (minimal as you c...
by jehovasfitness
Mon Oct 01, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 154
Views: 39895

Re: Experience with Honda airbag recall?

So, our 2012 Honda Fit had this problem with driver side few years ago and we got a free rental, which was about 6 weeks long or so, until the parts were available.

Now a lot of these cars are being hit with the passenger airbag issue.

anyone know if dealers have the parts yet?
by jehovasfitness
Mon Oct 01, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: How much should I keep in cash ?
Replies: 7
Views: 1144

Re: How much should I keep in cash ?

I think it's prudent to keep an emergency fund to cover 3 to 6 months of expenses. So if your monthly expenses are roughly $2,300, then $7-14k would be a good savings target. https://www.bogleheads.org/wiki/Emergency_fund Pretty much this. Though in our case I set it by including unemployment benef...
by jehovasfitness
Sun Sep 30, 2018 6:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 51032

Re: Your USER NAME...what does it mean?

I used to prostylelize about health and fitness on an old forum I was on
by jehovasfitness
Sun Sep 30, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Balance Living Life & Savings
Replies: 17
Views: 2146

Re: Balance Living Life & Savings

Jags4186 wrote:
Sun Sep 30, 2018 2:47 pm
Just move somewhere else. You don't make so much that those types of jobs don't exist elsewhere. Even if you take a $20-$30k lower salary for similar position you can get your home purchase price cut in half and significantly less stress.
This
by jehovasfitness
Sun Sep 30, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2436

Re: city water sewer vs well septic

I would go with city utility 10/10 times.

We have well and septic now and I know in another decade or 2 something costly will happen


We still pay for water delivery since I dont trust the well and needing periodic testing
by jehovasfitness
Sun Sep 30, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1653

Re: Retirement Now or Wait

I would have retired years ago way before 3 million
by jehovasfitness
Sun Sep 30, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 15052

Re: Should we stay in Crazytown because there's no where to run?

Somewhat on this topic if one is worried there will be a huge hit soon and behind where they should be. Stay the course and keep maxing things out or pull back and pay off debt at 4% int rate? Thinking of finishing the year to have accounts maxed, but at the start of the year pulling back to match t...
by jehovasfitness
Sat Sep 29, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: For real liquid cod liver oil.........?
Replies: 16
Views: 1211

Re: For real liquid cod liver oil.........?

wilked wrote:
Sat Sep 29, 2018 9:57 am
Carlson’s.

It should be pretty easy to find
This. Keep in fridge
by jehovasfitness
Fri Sep 28, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Public Student Loan Forgiveness Program Rejects 99% of Applicants
Replies: 27
Views: 2505

Re: Public Student Loan Forgiveness Program Rejects 99% of Applicants

Yeah, start charging for k-12 too, entitled kids think they can just get a free ride all the way through HS I’ll bite, lol..... We already do. I’m paying over $6k/year to our local ISD through property taxes. And we have NO kids. I’m already more than doing ‘my part’ for other people’s choice to po...
by jehovasfitness
Fri Sep 28, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Public Student Loan Forgiveness Program Rejects 99% of Applicants
Replies: 27
Views: 2505

Re: Public Student Loan Forgiveness Program Rejects 99% of Applicants

The program should not have been created in the first place. If you take out a student loan, expect to pay it back. People should not expect to get a free college education. I agree. You can get a PhD in French Literature and get a job as a park ranger and the taxpayers are on the hook for your loa...
by jehovasfitness
Thu Sep 27, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7639

Re: Amazon Prime - Value?

denovo wrote:
Wed Sep 12, 2018 12:30 am
Prime has a lot of value for those who hate shopping in person.
And for those of us that hate "persons" lol
by jehovasfitness
Thu Sep 27, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83494

Re: How much money do you want to retire?

After reading through this interesting thread it occurred to me that a better question would have been what are your expected retirement expenses and what sources of income will you use to cover them. There are so many different ways to get there. I replied on the 2nd page of this thread that I nee...
by jehovasfitness
Thu Sep 27, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83494

Re: How much money do you want to retire?

After reading through this interesting thread it occurred to me that a better question would have been what are your expected retirement expenses and what sources of income will you use to cover them. There are so many different ways to get there. I replied on the 2nd page of this thread that I nee...
by jehovasfitness
Thu Sep 27, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83494

Re: How much money do you want to retire?

My goal is to retire at 50 with $600,000 and a paid off house. No pension. If I get SS, that'd just be a bonus. I should be able to get by on a 4% or less SWR on that. Power to you --- we have much too many things we want to continue to do in retirement. Everyone is different for sure. Indeed, diff...
by jehovasfitness
Wed Sep 26, 2018 7:24 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade
Replies: 16
Views: 877

Re: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade

When I make bad financial decisions at 9pm I can now blame the update
by jehovasfitness
Wed Sep 26, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4822

Re: How to pay for upcoming medical / IVF expenses

People really say very insensitive ignorant things to infertile couples. How about adoption? At least prior to 2018 pretty sure it is deductible to a degree over a few years. Hearing people say, "Have you thought about adoption" or "Why don't you just adopt" is one of the most annoying and unhelpfu...
by jehovasfitness
Wed Sep 26, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83494

Re: How much money do you want to retire?

AlphaLess wrote:
Mon Jun 04, 2018 11:32 pm
wrongfunds wrote:
Sun Aug 06, 2017 9:03 pm
I am really surprised at how many say "just one more million"
It's the curse of being a boglehead.
For a board that seems to hate spending money it seems quite odd need so much when annual expenses should be quite low relatively speaking
by jehovasfitness
Wed Sep 26, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4822

Re: How to pay for upcoming medical / IVF expenses

denovo, I think you do not understand the emotions of a couple who want their own child and are finding it difficult to conceive. Financial calculations are secondary to that need and they can adapt to that later. The couple is in early 30s - so the IVF chances are good. They will decline every yea...
by jehovasfitness
Wed Sep 26, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4822

Re: How to pay for upcoming medical / IVF expenses

How about adoption?

At least prior to 2018 pretty sure it is deductible to a degree over a few years.
by jehovasfitness
Wed Sep 26, 2018 5:31 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4436

Re: Anyone ever tired of managing hair and consider shaving to go bald

Been doing a short buzz cut for about 5 yrs now.

Simple and saves money
by jehovasfitness
Tue Sep 25, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6155

Re: Oil change interval for low-mileage vehicles

Once a year regardless of miles driven
by jehovasfitness
Mon Sep 24, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Novice question
Replies: 11
Views: 1246

Re: Novice question

That's amazing. Thanks for sharing.
by jehovasfitness
Mon Sep 24, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7762

Re: Best way to get $100k cash

novemberrain wrote:
Mon Sep 24, 2018 8:19 pm
JoMoney wrote:
Mon Sep 24, 2018 6:36 pm
Transferring a loan from one place to another isn't doing anything but playing mind games.
Curious to know your opinion on refinancing to a lower rate. Is that also playing mind games ?
Apples to oranges
by jehovasfitness
Mon Sep 24, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Novice question
Replies: 11
Views: 1246

Re: Novice question

Duckie wrote:
Mon Sep 24, 2018 6:47 pm
Old Man wrote:A very recent car sale has put almost $3 million in my bank account after the tax hits.
What kind of car sale nets $3 million?
As a car guy I'm intrigued.

Was this a historic Ferrari?
by jehovasfitness
Mon Sep 24, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7762

Re: Best way to get $100k cash

Sounds like a terrible idea.
by jehovasfitness
Sun Sep 23, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: vacation in the Ozarks
Replies: 15
Views: 1773

Re: vacation in the Ozarks

jadedfalcons wrote:
Sun Sep 23, 2018 6:20 pm
Avoid Darlene Snell at all costs.
I hear shes single
by jehovasfitness
Sun Sep 23, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: vacation in the Ozarks
Replies: 15
Views: 1773

Re: vacation in the Ozarks

Say hi to Jason Bateman. Just dont buy poppy from him
by jehovasfitness
Sun Sep 23, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1803

Re: HVAC Options -- Any advice?

Something is funny with this quote. They are giving you a heat pump ac/heater condenser and related stuff. Why? Then they are quoting a fulll gas heater. Why two heating units? If I were you I would ask what it costs to just put in a new dual mode heat pump heater and ac cooler all in one unit and ...
by jehovasfitness
Sun Sep 23, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1434

Re: What investment company does your employer use?

Our city govt uses ICMRA and my wifes corporate job uses Principal

She has vanguard options I do not.

Target date funds for me are about .85
by jehovasfitness
Sat Sep 22, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Thank you from a widow
Replies: 24
Views: 4862

Re: Thank you from a widow

In regards to the reverse mortgage widow. How come she had to move? Was only husband on the title of the house?

I'm not that knowledgable on them but I assumed a living spouse could stay in a home unless maybe she couldn't afford the property taxes.
by jehovasfitness
Fri Sep 21, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

"The other part of the plan is to prepare us financially for the possibility of having or adopting a kid at the 4-5 yr mark. For financial reasons, I'd be perfectly happy not having a kid." FWIW - I cannot get past this line. If you folks are planning and want to know the most important thought reg...
by jehovasfitness
Fri Sep 21, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

Do you have two relatively expensive cars or only one? Who is putting on the large commute and mileage each week and on which car? If you can save a bunch weekly it will go a long ways to making cuts to the home expenses. Just the one. Other car is a paid for 2012 Honda Fit w/75k miles that is the ...
by jehovasfitness
Fri Sep 21, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

What are your priorities? Is it for your wife to be able to find a job with a shorter commute, even if it means less money? It is to be able to afford a child in 4 years? Why 4 years? How will you afford child care with a reduced income? Is it for you to be able to retire/take a pay cut at 55? Is t...
by jehovasfitness
Fri Sep 21, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

Do you have two relatively expensive cars or only one? Who is putting on the large commute and mileage each week and on which car? If you can save a bunch weekly it will go a long ways to making cuts to the home expenses. Just the one. Other car is a paid for 2012 Honda Fit w/75k miles that is the ...
by jehovasfitness
Fri Sep 21, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

What are your priorities? Is it for your wife to be able to find a job with a shorter commute, even if it means less money? It is to be able to afford a child in 4 years? Why 4 years? How will you afford child care with a reduced income? Is it for you to be able to retire/take a pay cut at 55? Is t...
by jehovasfitness
Fri Sep 21, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Looking for best quality indoor security camera
Replies: 9
Views: 537

Re: Looking for best quality indoor security camera

I have a total of 7 indoor/outdoor Arlo Pros.

The Arlo Pro 2s are crisp indoors and out. Outside their night vision sucks from the Pro 1s.

Been quite happy with them.

Pro 2s when plugged in allow 24/7 CVR for about $10/mo.
by jehovasfitness
Thu Sep 20, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1548

Re: Rate our 5 yr plan and beyond

What are tax brackets? Home 325k @ 4.125% $2,200/mo which includes $3500/yr property taxes and about $110 PMI , home value currently $380k... 29 yrs left on mortgage... What would it take to get out of the PMI? Not to dwell on the car but it might have been better to have put the money towards gett...
by jehovasfitness
Thu Sep 20, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2448

Re: YouTube Home workout vidoes

ThankYouJack wrote:
Thu Sep 20, 2018 6:11 pm
jehovasfitness wrote:
Thu Sep 20, 2018 1:41 pm
Exercise does little for weight loss.

Diet is key, FWIW
I've found that intense workouts combined with eating healthy, especially lean proteins and veggies is the best combination for body composition.
No disagreement there.