Search found 347 matches

by OnFire
Sat Oct 06, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 10
Views: 849

Re: DIY air purifier for $25

I have used this trick for years. Especially on my garage when I am doing something dusty. It works great. I don’t have a fancy meter to check the level, but I can see the dust on the filter after it’s been used for a while. I used a highly rated filter from Consumr Reports. Most HEPA filters in 20x...
by OnFire
Thu Jan 25, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Best dealership to call for s Ford ESP warranty?
Replies: 1
Views: 202

Best dealership to call for s Ford ESP warranty?

Looking for the best price on a Ford Extendrd Service Plan (ESP$ warranty. Looking for 6/60 om a 2011 F-160 with 53k miles. Already completed a qualifying inspection at a Ford dealership. Phone numbers meets would be most helpful. Thanks.
by OnFire
Sun Jan 21, 2018 2:49 am
Forum: Personal Consumer Issues
Topic: Used specialty’s car - Ext factory warranty or self-insure?
Replies: 5
Views: 606

Re: Used specialty’s car - Ext factory warranty or self-insure?

Thanks. midareff. I’ve been going both ways with this. The problem is that this thing is so computer and electronic heavy. You can’t change into 4x4 without a computer screen coming up on the dash telling you to slow down to 3mph , then transfer to neutral, and then another message pops up to tell y...
by OnFire
Sat Jan 20, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Used specialty’s car - Ext factory warranty or self-insure?
Replies: 5
Views: 606

Used specialty’s car - Ext factory warranty or self-insure?

I’ve decided to buy a 2011 Ford Raptor. I found a local one,which has some aftermarket parts, which I like, with 109k miles, for $26.5k. I found one four hours away, almost completely Stock, with 53k miles for $35k. It’s eligibke for a Ford factory Extended Service Plan, bumper to bumper, if it pass...
by OnFire
Fri Jan 19, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 36
Views: 7305

Re: The wisdom of buying a car that doesn't depreciate (much)

TO resurrect this old thread....my Acadia is circling the drain. Since the 3/36 warranty expires, it has had about $7k in warranty work under the extended warranty. I bought the warranty for $1700. GM took a bath on me. It has 6 months and 5k miles of warranty left. I would like to sell it in the ne...
by OnFire
Thu Jan 18, 2018 2:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56191

Re: Post your Financial Milestone Announcements Here

Pretty sure that my wife and I, after a decent inheritance from her mother, and a rocketing stock market, have joined the two comma club. Not really sure though, and it’s doesn’t really matter. I’ve got another 20 years to work, and she has 25 or 30. But still. It feels good to know we are getting t...
by OnFire
Thu Jan 18, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 1061

Re: Car/Motorcycle Jump Starter?

I have been looking at these for months now. I thought I wanted a GooLoo 450 AMP model with the 10000MAH battery for $50, based on price and Amazon reviews. Then I did a search and found that Consumers Reports did a test on them and said that the Antigravity XP-10 was clearly the best, and that it w...
by OnFire
Sun Dec 10, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 4922

Re: Danger of being a helicopter pilot?

I’m quite sure that the Commander I was talking to was correct. He was the boss of all of the pilots. The kicker in getting the job is this, in order or be hired as a helicopter pilot for the FD, you must first BE a firefighter and go through the academy and become an EMT as well. There is NO way ar...
by OnFire
Sat Dec 09, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 7306

Re: Does this happen to you? Educating friends about personal finance

I will be the contrarian. In my opinion, you have three options when this comes up, but I give this speech to firefighters and paramedics about once a week. Mostly to the brand new guys in the job. If I were them I would point out that back when you started fighting fires with horse-drawn wagons, f...
by OnFire
Sat Dec 09, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 7306

Re: Does this happen to you? Educating friends about personal finance

I will be the contrarian. In my opinion, you have three options when this comes up, but I give this speech to firefighters and paramedics about once a week. Mostly to the brand new guys on the job. I ask them if they be to be millionaires. Then show them how, if they save half of their raises in a V...
by OnFire
Sat Dec 09, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 4922

Re: Danger of being a helicopter pilot?

No. When I talked to the Commander, a basic Private Pilot’s License for rotary aircraft was all I needed to land the assignment. The rest of the ratings I would get while on the job. I was just more concerned about the inherent dangers of flying rotary aircraft vs.firefighter, and the going rate of ...
by OnFire
Sat Dec 09, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 4922

Danger of being a helicopter pilot?

I work as a firefighter/paramedic in a major metropolitan area. I recently visited out Air/Sea Rescue branch and talked to the Commander. He told me that they have 10 pilots, and that half of them are retiring in the next 5-8 years. The general consensus is that the pay is about the same as my curre...
by OnFire
Sat Dec 09, 2017 4:22 am
Forum: Personal Consumer Issues
Topic: Home Security Camera: Post a Warning Sign or Not?
Replies: 20
Views: 2956

Re: Home Security Camera: Post a Warning Sign or Not?

I read a story recently about what deters burglars/thieves. The list was full of things you would expect; dogs, homeowners being home etc. it did say that video surveillence was one of the hints that deterred criminals, but only if the cameras were somewhere/somehow visible. I recently put three cam...
by OnFire
Wed Nov 29, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18754

Re: A good friend has nearly $1M in BitCoin what do I tell him?

He's a business man and a smart one at that,.... and you're a fireman/paramedic. What do you think you should tell him? :happy I kid, no knock on fire fighter or paramedics. I would tell him..... nothing. Let him do as he pleases with this. Haha. He is a firefighter and a paramedic too. That’s how ...
by OnFire
Wed Nov 29, 2017 2:39 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18754

A good friend has nearly $1M in BitCoin what do I tell him?

Granted, he “saw the light” nearly 4 years ago, when BTC was $114. He bought $10K worth. I’m thinking it might be time to take some profits. He is a working stiff, but also a business man and a smart one at that. His opinion is that if if it goes to zero, $10K won’t break him, but if he sells, he mi...
by OnFire
Tue Nov 14, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Getting a Margaritaville beverage maker repaired.
Replies: 5
Views: 746

Re: Getting a Margaritaville beverage maker repaired.

Nah, this is a worst case scenario. It’s obvious that the stripped gear is internal. The jar doesn’t have any blades. I did check the parts on the website. None of is applicable. Just ice resivoirs,
spare jars, etc. I do appreciate the suggestions.
by OnFire
Mon Nov 13, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Getting a Margaritaville beverage maker repaired.
Replies: 5
Views: 746

Getting a Margaritaville beverage maker repaired.

My wife bought a Margaritaville frozen beverage concoction maker off of Craigslist for $100. I believe it’s the Key West model, which retails on Amazon for $250. During a party, and after a few margaritas, I accidentally added a big chunk of ice to the bowl and it promptly got stuck halfway into the...
by OnFire
Thu Nov 09, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 4024

Re: Did we make it to "The 2 Comma Club"? Maybe not?

Congrats! I think you made it. Even if you did t by some yard sticks, you’re still ahead of 95% of the US population and 99% of the world population. Given your age, you are way ahead of the curve. I do include a discounted rate for home equity. You could sell your home and rent a condo for $1500 a ...
by OnFire
Thu Nov 09, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Children's money?
Replies: 26
Views: 3355

Re: Children's money?

Each had a piggy bank that we put coins and dollars in. They bring them to the bank when they get full, we deposit them, and then I tell them they’ve I am saving the money for their school. I deposit all gifts, plus a small amount each month into their 529s and we also max out Coverdells. Yes it is ...
by OnFire
Thu Nov 09, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Extended Warranty on Used Car
Replies: 16
Views: 1430

Re: Extended Warranty on Used Car

Just speaking from my experience... I would get a car that is still under the manufacturers warranty and then get a FACTORY extended warranty. So worth it. I have a 2012 GMC Acadia. Unfortunately, it has needed about $4-5k in work after the factory warranty expired. Luckily, I bought a 4yr/48k mi fa...
by OnFire
Sat Sep 16, 2017 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 6092

Mother-In-Law dying, Wife wants to buy a Porsche

Just like it says...My MIL was diagnosed with a Glioblastoma back in May. For those of you who don't know, this is basically a death sentence. She is 79 and was in decent health. We thought because they caught it before any major symptoms, she might get 18 months. She lived alone until this diagnosi...
by OnFire
Wed May 24, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 2533

Re: Rewiring a knob and tube house

2. Used a certified/master electrician. Many places to save money of house projects but whole house re-wiring is not a place to use low budget resources.[/quote]


THIS.
by OnFire
Wed May 24, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Vanguard 457 options... where to invest?
Replies: 5
Views: 812

Limited Vanguard 457 options... where to invest?

As you might have guessed by my username, I am 42 and work in the public sector as a firefighter/paramedic. My wife is 37 and a dentist. We prioritize our retirement savings with our Roth IRAs through Vanguard. We both currently max out out Roth's. My wife also contributes about 12% of her gross pay...
by OnFire
Tue Mar 21, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1573

Re: Using 25-30 year old EE bonds to fund 529

I read the section you referred to in the IRS.gov website. It's pretty clear that my kids wouldn't eligible under those rules. What if my MIL changed the beneficiary from herself and her mother (my wife's grandmother) to herself and her daughter (my wife). Then they could be be transferred to my kid...
by OnFire
Tue Mar 21, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 5706

Re: Debating a weekend in Chicago (south side)

I'm a Chicago Firefighter and paramedic and have worked every street south of Roosevelt at one time or another. The advice so far is good. Don't walk anywhere outside of a three block radius of Comiskey. Bridgeport/Canaryville isn't bad, but don't take any chances. Get lost two blocks the wrong way ...
by OnFire
Tue Mar 21, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1573

Re: Using 25-30 year old EE bonds to fund 529

I called Charles Schwab, the holder of the Coverdell account, and they couldn't definitively answer the fundamental question, either. They told me to consult a tax accountant. It seems that the key phrase is "...the OWNER (emphasis mine) must be eligible by having a AGI under the income limits noted...
by OnFire
Tue Mar 21, 2017 1:28 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 13216

Re: Anyone else taking less risk

My Roth got skewed from my planned 70/30 to 82/18 over the bull run, so I just rebalanced back to 70/30. It was hard, but Buffet's mantra kept ringing in my ears as my finger hovered over the button.... "Be fearful when others are greedy... be greedy when others are fearful."
by OnFire
Tue Mar 21, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1573

Using 25-30 year old EE bonds to fund 529

My wife had some pretty smart financial predecessors. They purchased two $5,000 series EE bonds in Oct and Nov. of 1986 when the yield was something like 7.5% guaranteed compounded for 30 years. The also purchased a $10,000 bond in 1992 when the yield was something like 6%. I recently came across th...
by OnFire
Wed Jan 18, 2017 1:43 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 36
Views: 7305

Re: The wisdom of buying a car that doesn't depreciate (much)

Trust me, if I had the funds (Which I do, but I can't really swing it without emptying my Roth and my wife's too.It's hard to tell the wife I'm emptying our retirement accounts to buy a car.) I would have a GT4, an RS America, and a silver 1998 Carrera S bone stock with a black interior. The 993 Tur...
by OnFire
Wed Jan 18, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 36
Views: 7305

The wisdom of buying a car that doesn't depreciate (much)

I am a car guy. Always have been. If you look through my previous posts, you'll see I bought a 2000 Porsche Boxster S three years ago when it was pretty much fully depreciated. Unfortunately, that blew up in my face (almost literally) when the engine was destroyed 200 miles after picking it up in Sa...
by OnFire
Tue Jan 17, 2017 1:33 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 5443

Re: Basic question on Hybrid cars

We have a Honda Accord Hybrid, and we really like it. EPA rated for 50 HWY/ 45 CITY. We get closer to 40 overall, but still much better than a non-hybrid of 24 city, even with the I4. 90% of our driving is urban. I don't really believe a dedicated hybrid is better. Trunk is smaller than a Prius, but...
by OnFire
Tue Dec 27, 2016 1:42 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 33
Views: 6976

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I went to a destination wedding in the Bahamas. It was gorgeous. One of the big resorts half an hour outside of Nassau. Beautiful beaches, warm white sand, sunshine everyday. On the night of the wedding, the bride's sister, who was drunk, picked up the bride, who's also drunk, and attempted to dance...
by OnFire
Sat Nov 19, 2016 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Glass Window Security Film and home security...
Replies: 8
Views: 1942

Re: Glass Window Security Film and home security...

Just constantly thinking of ways that will thwart any evil doers/ dumb kids that happen to pass by.
by OnFire
Thu Nov 17, 2016 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Glass Window Security Film and home security...
Replies: 8
Views: 1942

Glass Window Security Film and home security...

I am looking to burglar proof the house a bit more. We have been in it for four years, and we are at the end of a dead-end block, in the beer part of town, and have two dogs, one of which could probably scare a burglar away. I also have BEWARE OF DOG signs, and an ADT sign up, even though I don't ac...
by OnFire
Sun Nov 13, 2016 1:41 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 164662

Re: Experience selling car to Carmax?

I'm one of the few that had a busy experience with CarMax. I brought my 4 year old BMW there to get a price,and when they came and talked to me about it, they said the car had been in a serious accident (I was the second owner) and they could tell because the paint was thicker (apparently two coats-...
by OnFire
Sat Jul 16, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Money Order in Euros
Replies: 1
Views: 743

Getting a Money Order in Euros

My grandfather was born in Ireland, making my father an automatic Irish citizen. A few years ago, I applied for my Irish citizenship, and received it. Since I became an Irish citizen before my sons were born, they can now become Irish citizens. I am currently going through the process of getting the...
by OnFire
Fri Jun 03, 2016 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Best funds for children
Replies: 15
Views: 2041

Re: Best funds for children

I need to know more. I assume that you've got your own retirement on track, (Roth's and IRA's fully funded), house and most other debt paid off or comfortably under management? My first course of action is to max out Coverdell ESAs, then fund 529's, and even get my kids "modeling" gigs, or pay them ...
by OnFire
Tue May 17, 2016 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 46056

Re: Is it common for a step mother to inherit everything?

Not to add on, but my father did the same thing. He knew he wasn't in the greatest health. He had a stroke and two prior heart attacks, and I asked him to write a will. He was in a bad period with my step-mother and were on the verge of divorce. I think that's why he never went through with getting ...
by OnFire
Sat Mar 12, 2016 2:27 am
Forum: Personal Consumer Issues
Topic: Looking for a Mission-style Oak Dresser
Replies: 6
Views: 948

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: 8375

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 firefighters, bu...
by OnFire
Sat Mar 12, 2016 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Renting to Family Members
Replies: 26
Views: 3389

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: 1934

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: 1101

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: 3031

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". Just this week, I had...
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: 10045

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: 2829

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: 3037

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: 12075

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: 3037

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: 4165

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 ...