Search found 355 matches

by OnFire
Wed Apr 29, 2020 2:50 pm
Forum: Personal Investments
Topic: Helping Mom with her finances in Arizona
Replies: 9
Views: 811

Helping Mom with her finances in Arizona

My mother retired early, at age 56. Her husband, my step-father, retired at the same age at the same time. They retired to Surprise Arizona in a senior community. My step-dad retired from a bank and took a lump sum of around $550k. My mom sold her house in Chicago and bought a house in AZ. They had ...
by OnFire
Sun Apr 19, 2020 2:02 am
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1524

Re: Should I give blood now?

I’m not worried about donating blood. I’m not worried about getting COVID. I AM worried about getting COVID (I’m a first responder and it’s already killed two of my co-workers) AFTER I donate blood. I’ll get my hematocrit level checked, it’s above 50, I’ll consider donating. Until then, the risk for...
by OnFire
Sat Apr 18, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Passport Covers and Camouflage Passports
Replies: 13
Views: 1245

Re: Passport Covers and Camouflage Passports

That’s exactly why I wanted the passport covers. I’ll put it on one of my expired passports and add it in with the real ones and take a picture that makes me look like Jason Bourne for my friends. Like I said, the camouflage one is for bars/hotels/casinos that are allowing age verification or some s...
by OnFire
Sat Apr 18, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Passport Covers and Camouflage Passports
Replies: 13
Views: 1245

Re: Passport Covers and Camouflage Passports

Yes. They do. Passports are rarely even stamped in most industrialized countries that I have visited recently. Everything is in a database and a computer checks it. Camouflage passports are for use in those places that are NOT currently hooked up to a worldwide instant database and aren’t manned by ...
by OnFire
Sat Apr 18, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Passport Covers and Camouflage Passports
Replies: 13
Views: 1245

Passport Covers and Camouflage Passports

Hello Forum.... I am WAY past most people when it comes to over prepping for disasters. I can’t really help it, I work in Fire/EMS and see low frequency/ high cost incidences almost everyday. I actually have multiple passports - one from the U.S. and one from a Northern European country, for myself ...
by OnFire
Mon Nov 25, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 98642

Re: Found hidden safe, should we crack?

I’ll throw in $5. No share of the booty expected.
by OnFire
Fri Mar 22, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Personal Finance Marriage Counselor
Replies: 34
Views: 3708

Re: Finding a Personal Finance Marriage Counselor

Thanks BarbBrooklyn. My wife consistently overdraws our account and has spent VERY large sums of money without consulting me while angry. Far more than we have saved for our two school age children’s HS and college funds. We have hundreds of thousands of dollars in debt. Mortgages, student loans, au...
by OnFire
Fri Mar 22, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Personal Finance Marriage Counselor
Replies: 34
Views: 3708

Finding a Personal Finance Marriage Counselor

My wife of ten years and I have vastly different views of personal finance. I am a saver. She is a spender. I have determined that in order to stay married, we have to come to some sort of arrangement concerning our finances. I am looking for a financial counselor that specializes in married couples...
by OnFire
Sat Oct 06, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 16
Views: 2264

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: 245

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: 688

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: 688

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: 10859

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: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252118

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: 1330

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: 6534

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: 7948

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: 7948

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: 6534

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: 6534

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: 3196

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: 20158

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: 20158

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: 1722

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: 1722

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: 4185

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: Personal Investments
Topic: Children's money?
Replies: 26
Views: 3748

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: 1890

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: 6659

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: 3111

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: Personal Investments
Topic: Limited Vanguard 457 options... where to invest?
Replies: 5
Views: 1017

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: 13
Views: 1938

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: 6552

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: 13
Views: 1938

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 ...
by OnFire
Tue Mar 21, 2017 1:28 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 14635

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: 13
Views: 1938

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: 10859

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: 10859

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: 5963

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: 8025

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: 2442

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: 2442

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: 110
Views: 242871

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: 1774

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: Personal Investments
Topic: Best funds for children
Replies: 15
Views: 2348

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...
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: 67810

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: 1039

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: 12075

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 firefi...
by OnFire
Sat Mar 12, 2016 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Renting to Family Members
Replies: 26
Views: 3749

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: Personal Investments
Topic: Portfolio (young, thick skin, very long time horizon)
Replies: 13
Views: 2083

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...