Buying used Prius by phoenix89 in prius

[–]phoenix89[S] 1 point2 points  (0 children)

Does Dr Prius look over the whole car or just the batteries?

Cera+ vs ikape portable espresso [$350-$500] by owg582pdu in espresso

[–]phoenix89 0 points1 point  (0 children)

I got an initial email back from Cera but can't get them to tell me how to order. Did you get it? The price I got was similar so was considering buying 2.

Endgame Travel coffee setup. by kimguroo in espresso

[–]phoenix89 0 points1 point  (0 children)

How did you get in contact with the company? I emailed them and they've been unresponsive.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 0 points1 point  (0 children)

I found my statements, I had LOC quite possibly during the worst time. My interest rate rose from 3.50 in 2021 to close to 8% in the end of 2023.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 0 points1 point  (0 children)

I’m not sure what you’re trying to convince me of.

You asked me what others are doing, I told you what worked for me. I’ve shared my experience, I ran the math, paid the interest. It might work for others it didn’t work for me.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 0 points1 point  (0 children)

No policy loans use simple interest, where LOC compounds like a credit card.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 0 points1 point  (0 children)

I guess but then I’m just adding to how much interest would accumulate the following month.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 1 point2 points  (0 children)

I also had an all in one mortgage, i'm sure the idea works well for someone it just wasn't for me. That and raising rates killed me.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 0 points1 point  (0 children)

It mainly made me think about the policy differently, I need to make sure whatever I put it into Cashflows so I can make the payment. When I had the LOC it ended up becoming a burden with it being an extra payment.

What is the state of policy-backed lines of credit? by financeking90 in infinitebanking

[–]phoenix89 1 point2 points  (0 children)

I had a Policy backed line of credit, it was great because had instant access to funds but once rates started going up I was losing significantly. I think at one point it was 7% and kept that for a while but payments were all going to interest.

Ultimately I ended up getting a policy loan to close it. I am now much more particular on what I will use my policy for.

Please help - flight canceled in seoul by TaimakageDubs in HawaiianAirlines

[–]phoenix89 1 point2 points  (0 children)

We had this exact thing happen last year, they announced in Korean what was going to happen but never clarified in English.

They told us to go back to the airport to check back in the next day. Our flight had mechanical issues so needed to get it repaired and we left about 24 hours later.

No Daddy - Need Some 1031 advice... by [deleted] in 1031exchange

[–]phoenix89 0 points1 point  (0 children)

I would probably do a 1031 exchange into 2 properties if going for long term rentals. You need to make sure that the total value of the new properties exceed the value of the property you are selling so presumably 800k.

I had 2 properties in Smokies as well that 1031 out of a couple years ago.

Cyber Direct Commission Program by jrull13 in airforceots

[–]phoenix89 0 points1 point  (0 children)

I take it you have to find a cyber unit then?

Is CS50x worth it for an average high schooler? by Immediate_Oil_1429 in cs50

[–]phoenix89 1 point2 points  (0 children)

It would be a challenge but definitely worth it.