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touchdowntodd

im actually leaning towards a 24 or 26" BMX .. SE probably ..

reliving youth

touchdowntodd

most dealers near me arent much for letting me ride stuff before buying .. smh there is an indoor park but i honestly expect more city riding, around my neighborhood etc ... i guess i can occasionally hit the indoor park when the weather is bad for winter (if i pony up the $$ for membership), but al...

touchdowntodd

i need to get more active .. always loved biking .. so thinkin this might be fun (yes even in the winter), and not have a HUGE expense to start im 6'!" about 188lbs, 30" inseam i was thinking about a SE Stout (found one used on the cheap), or if i spend more $ an SE Quadangle or other SE t...

touchdowntodd

i would pay the mortgage off personally, or atleast refi to 10-15yr with a better rate ... but to me its alarming how little you have invested for your age (please dont take offense) .. this is another case of saving for the children before saving for ourselves .. which i dont think is a good idea ....

touchdowntodd

any more advice?

or any chance of a referal to a good agent?

touchdowntodd

i fall in with the majority

touchdowntodd

ps - remember that wonderfull german engineering and how the 80k mark somes and hits you hard with repairs .. just something to think about .. suspension rebuilds etc

touchdowntodd

i would never drive a german car because of upkeep but if you are heart set on it, with a BMW i would only go precertified unless you know a good mechanic to cehck it out and find a great deal on a used one privately... too many would be issues on those cars ps - one more for the toyota only crowd a...

touchdowntodd

well there will only be 2 employees which are the 2 owners.. they have the tires made over seas and all they are doing is handling the shipping ... were talking 5-10k tires a year so its not a huge issue.. storage is in a buildign at his house and they have the shipping thing worked out with a coupl...

touchdowntodd

a good close friend of mine has started an automotive tire business.. tires are being made currently, molds were made, DOT approval is in the works currently, patents pending, trademarked, etc.. its a very specialized market and a specific tire .. blah blah that doesnt matter hes looking to find the...

touchdowntodd

hmm thats semi interesting ... thanks!

touchdowntodd

if you dont mind, ill piggy back off your thread with my own plan ... i in a 15 yr 4.75 rate mortgage, but being that im paying off in 3 more i dont see justification in paying to refi and couldnt find a free one .. anyways .. i was at about $120k remaining when we really began the push 2 years ago....

touchdowntodd

im doing a similar things cutting back only on roth ira and family savings for the next 3 years to pay off. .. but i believe i can edge it out in 2 ... WORTH IT imho ...

touchdowntodd

imho for what its worth pay off all debt until rates rise ...

touchdowntodd

i dropped 130lbs or so in the last year ... i neeeeed to take clothes to a tailor .. i have so much i like that doesnt fit the most annoying part is the last 20lbs or so i lost because i had bought a good amount of clothing when i wore a large and 34 pants .. not im sitting at a medium shirt and 32 ...

touchdowntodd

I am a huge fan of waxing and using clay bar with cars. I clay bar both of my cars once a year and wax them each twice. it definitely keeps the car looking clean and sharp, one is 6 years old and has very few defects or scratches. I was raised washing and cleaning out cars twice a week. I feel like...

touchdowntodd

thanks .. shoulda used this pic it shows the paint better

touchdowntodd

ive been to detroit and had fun there even .. cant imagine buffalo is worse .. seriously ..

even if it was .. perhaps its just because i grew up in bad areas? it doesnt bother me and im only giong to be there one night

touchdowntodd

if you do it do it right .. wash with dish soap, clay bar it, and go from there ...

on custom paintjobs i dont wax, just detail spray ... the wax can hurt more than help

touchdowntodd

ill gladly assist having owned or restored 25+ classics in the last 15 years ... the bubbling means respray, which means going to bare metal to do properly .. this would be a 8-10k paint job for most people the steering and brake problems could be minor, but again depends on your capability to handl...

touchdowntodd

looks good, but the wife and I are primal, no bread for us

touchdowntodd

i personally cant think of a single reason i would ever drop my policy ... even if i were obscenely rich the coverage for the cost cant be beat ..

touchdowntodd

we have some great places here.. heck last night i had some great wings for 25 cents a piece .. thats boglehead style

its more the idae of a road trip etc

touchdowntodd

actually had thought about cleveland!

touchdowntodd

mid 30s .. WISH i had found this in my teens .. i can assure you my children will!

touchdowntodd

this is incredibly stupid of me especially since i work in the mortgage industry, and I was a loan officer at one point however, we never did reverse mortgages at my company and still dont, so i just dont have much of an understanding .. here is the situation.. my father is 66 .. health is rough to ...

touchdowntodd

i intended to wait to build my efund learger .. however, when i heard paper I bonds were going away, i dumped 1 yr worth of cash into them for an Efund ...

something about the paper i like

touchdowntodd

if nothing else comes of this posting (and several good comments have really swayed my opinion and plans) that last comment made my DAY! never been there and somehow had never heard of it .. researching looks like they might be good, and not that far from me! also i found 3 restaurants within a half...

touchdowntodd

ps - BEST piece of advice is dont go cheap on the holster .. im lucky enough to live near cleveland holster company ... check em out, FANTASTIC holsters at great prices .. get a good 2 clip inside the waist band (IWB) holster for carry conceal .. a good holster makes a big gun vanish .. i could almo...

touchdowntodd

ive had LOTS of guns .. the 29 is far too big too carry and useless for home defense .. home defense for me is a 12gauge pump, the sound that stops burglars, LOL .. also a .380 with laser (what the wife reaches for laser is more for visual than anything) and shtf an AK47 also sits at my bedside (we ...

touchdowntodd

im actually thinking of waiting til spring and making it a longer trip .. buffalo one night, to pittsburgh, then st louis, kansas city, and des moines all one night each .. 5 nights 6 days and 2 restaurants a day that ive always wanted to go to ... the best of both worlds type of a trip .... longest...

touchdowntodd

im in Milwaukee WI so no options that way

touchdowntodd

wow, just looked at the niagra falls rooms with a view .. IMPRESSIVE .. its on the canadian side if i understand correctly .. and we dont have passports .. depressing.. i DEFINETELY would have gone for it .. are they still hard to get and a long wait? havent had one in 21 years literally . ps - the ...

touchdowntodd

i actually thought about waiting for the fest after i posted this ...

cost isnt that big of a factor to me because here we get .35 wings all the time and even some .15 wing nights .. i already know i will have to spend much more!!!!!!!!

touchdowntodd

or we could do kansas city for BBQ .. we love that equally as much

touchdowntodd

im a 10 hour drive to buffalo .. the wife and i are wing FREAKS .. i was thinking about driving out for a couple days .. basically leave at say 4am .. get there around 2-3pm depending on traffic on a wednesday... stay wed night and thursday night .. leave friday morning ... figuring 3-4 meals ,.. AL...

touchdowntodd

i live where snow happens LOL .. so ill speak on this 4wd is in no way necessary .. a $200-400 set of craigslist like new snow tires will get you better traction than you will need and we cant go making big decisions like a car purchase based upon something that is more the rarity than the norm .. w...

touchdowntodd

to the contrary i have never had any lates or negatives ... about 75k open available revolving with less than a $200 balance at any time .. (7 open cards) 122k mortgage started 4 years ago with $78k balance car loans in the past none for the last few years ... installment loans as well .. all car an...

touchdowntodd

bad idea IMHO to ever touch 401k prior to retirement unless the world is literally coming to an end ...

touchdowntodd

id pay the loan off first .. the save the rest and reevaluate your overall position in a few months ..

slow down dont add more expenses

touchdowntodd

even though i intend to never take a loan again, i cant help but be upset by my score hovering arounf 700 .. never had a late pay, 16+ years of history with longest card (16 years total history) .. couple mortgages during that time, etc. .. only thing i can think of that hurts my credit is paying lo...

touchdowntodd

imho a "budget" is a setup for failure, atleast for myself .. and allows me too much fun money .. id rather do it like i am now .. living below my means and paying off the mortgage (only debt i have) quicker than scheduled .. no other debt, saving 30% of income. ... hopefully that is enoug...

touchdowntodd

the kids can take out loans for their college .. i cant for retirement

save for yourself .. call me greedy if you want

touchdowntodd

personally, i would pay it off ... but im of the school of no debt > than a little more in investments .. im in the process of trying to pay my house off myself .. im 3 yrs and 10 months away from completing this on my current schedule, but i am saving on the side to push to have it paid off in 2 yr...

touchdowntodd

5k without hesitation .. possibly 6-7k on synthetic ..

mine i do every 5k in the wifes car and every 6 months in my daily (only gets 5-6k a year)

touchdowntodd

toyotas with timing win by LEAPS and bounds .. best value imho are echos and Yaris ... I happen to have a 2000 echo, never have i done anything but brakes 1 time and oil changes, 155k on it .. the wife has a 2007 yaris .. 85k on it no issues still factory brakes and all both of these can easily cloc...

touchdowntodd

i havent yet completed the task, but making near double payments and 4 years 1 month left at this current rate .. i debated a lot over the idea, but the bext investment i can make for myself is peace of mind and being debt free.. the wife and i intend to never move until we are at retirement age and...

touchdowntodd

love reading about SS .. im only 34 now (35 in a month) and based on watching my mother pass away at 65 and my father struggling with health issues at the same age, combined with my investing plans and what ive done so far, ill be taking it at earliest age possible (I assume for me it will be 65 by ...

touchdowntodd

Aren't you the same guy who just posted in another car thread about possibly getting a Prius C and has started other regular threads about buying a new camry? Sounds like someone has car ADD. If you are looking for a daily driver, almost could not get worse than a Jeep wrangler. Count me as another...

touchdowntodd

you guys are making me think too logically now .. perhaps an upgrade to a 2000-2003 camry/lexus is in order .. keep the reliability but get a little more enjoyment .. hmm

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