Peloton has a free 14 day trial for the app so I figured why not. It took me testing 3 instructors to find one that I liked. It's not too bad but I forgot how much cycling hurts my ass. Anyone tried any of the other classes?
I agree to an extent, however, it also seems that the 5 year terms popped up as car prices have increased. I bought my fanboi car straight out of college b/c I felt it was a right-of-passage/was slightly entitled. The new purchase was mainly safety driven (heh) for the new arrival, but timing was also important. My car is paid off and I'm working to make it a 10 year car. By the time my wife's car is paid off, my car will hit 10 years and we will have the same amount available for a new (to us) vehicle. Granted, I see how and endless cycle of car payments is problematic and unnecessary.
I'm actually dealing with this with my folks right now. My dad is a CPA and, all around, a pretty bright and well-prepared guy. He just had his contract canceled by his company this past Friday and, it seems, all the planning over the last year leading up to this forced retirement was just shit. The sobering reality hit him that he needed another year or so for short term costs is really weighing down on him.
We've opened a 529 for our daughter, but we haven't started regularly contributing yet -- just special occasions and gifts from the grandparents. The investment loan is a real estate project that was crowd funded by a close group of friends. I didn't borrow for the full amount, just a small portion of what I needed. I do understand that this should be the first to go.
Other notes -- I have a $1MM 30 year term life on myself with some smaller life insurance options through my company for the wife and baby. Wife and baby have some whole life plans paid for by her folks that they took out themselves.
I thought about seeing a fee-only CFP but feel like I'm doing alright by myself, for now. Plus I don't want to shell out the $3K...
I'm doing an oil analysis via Blackstone Labs on this next oil change. If I post results here, can anyone provide input or am I better off at BobIsTheOilGuy? Anyone done one before? My car is a 2013 Tahoe with 110K miles
Appreciate the input. The car was poorly planned. We needed a safe vehicle for our [at the time] pending "oops" baby. Something I forgot to mention, we are planning on having (conceiving) our second [hopefully, last] kid within a year.
Call it a bug....I've been listening to the Dave Ramsey podcast and have been implementing certain aspects of his "baby steps".
This will be the first year that both my wife and I max out our 401Ks, child-care FSA, and almost max HSA. We are early-30s, have a toddler under 2, and a mortgage.
1 car w/ a, roughly just under, $30,000 note; 4 years and change
30 year mortgage (don't plan to accelerate payments)
Grad loan debt of $39K @ 4.24%
Investment loan of $19K @ 6.99% (Dividend payments pay for 3/4 of P + I payments)
Both of us have large bonuses coming in the next month which will pay-off the investment loan. Would it be better to pay down the additional debts or continue to max out 401K and HSA? Any other personal finance strategies that we're overlooking?
You don't know how wrong you are. A pair of nice toasted Texas white with mayo on the back combined with some melted sharp cheddar and leftover brisket. Just beautiful
NBT does a buy 2 get 2 deal every now and then. I find the best mid-grade deal that I can there (or elsewhere), take it to Discount Tire, then they match and beat it by $100.
This place is awesome. Unseen in the top of the second picture was the seafood hushpuppies. As you can see, they were awesome. The dish was duck hash. Very good Chicken and biscuits. Holy hell I want so bad I probably gained 40# on this trip. Need a salad cleanse for the rest of the month.
GW Fins Sizzling oysters and #1 tuna tartare. #1 Tuna steak w sticky rice and veggies Seabass w fried oysters...this was really, really good Forgot what it was called but it's a caramel ice cream pie. We were really drunk by the end of the meal but it was good
While I'm posting... A nice RGF from Sazerac Bar Meet Kathy. She can brown my sausage any day A nice veal grillade on cheddar grits w a sweet potato tasso ham soup (fucking amazing) finished w a chocolate pecan pie which I couldn't get a picture of before eating it all.
Odd. I've only been there once and sat at the bar. I might do a drive by whilst wandering around. The sazerac bar is on the way back to our hotel so we'll likely hit that up multiple times.
I land tomorrow at 8:30 AM. Checking in to my wife's hotel (she's been there all week) and then I'm off to du Monde for some coffee and beignets. I'm taking a cooking class starting at 10 AM for 3 hours and then the rest of the day to myself. I'm thinking Drago's for dinner? Wife is free starting Friday and we're going to Atchafalaya, GW Fins, Cochon, and Ruby Red Slipper. What else should we get into -- food, drink, or otherwise?
Celebrating Valentine's Day early bc we will be in NOLA this coming week. I humbly submit Not pictured, a wedge salad with an outstanding bleu cheese dressing.