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Re: Downsizing: Single home to a condo

One thing I like about a condo is that my wife and I do go out of town a lot. We also flirted with the idea of maybe getting another property down the shore or at the mountains (maybe another condo). Now the idea of having two properties scare me due to having one is already making me a nervous wrec...
by Fieldsy1024
Fri Feb 21, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Re: Downsizing: Single home to a condo

If you don't like the house, I don't see the reason to hang on to it. It is important to feel "I'm home!" It needs to be a sanctuary, not a reminder of all the griefs it caused. House is a money pit, but for many, it is a beloved money pit. Yours doesn't sound that way. I would not hesita...
by Fieldsy1024
Thu Feb 20, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Re: Downsizing: Single home to a condo

The yard work isn't that bad and I am the type of person who always keeps a clean house. I don't like clutter. It is just the damn problems they are starting to get to meeeeeeeeeeeeeeeeeee I still have a good amount of time to get over the problems and hopefully learn to enjoy my single family home....
by Fieldsy1024
Thu Feb 20, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Re: Downsizing: Single home to a condo

Thanks everyone I am going to wait atleast two years either way. In 6 months I am getting a pretty big raise from my company, so prior to this, I was thinking of getting a nicer home (same size or bigger). Now just realizing that my wife and I are it, plus all the traveling we do....why not downsize...
by Fieldsy1024
Thu Feb 20, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Re: Downsizing: Single home to a condo

Thanks, a twin house is possible too.

I even have thoughts of going back to renting, but not sure if thats the best idea.
by Fieldsy1024
Wed Feb 19, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Downsizing: Single home to a condo

Im 29 years old and bought my single home just 3 years ago. I thought I wanted a single house...it was the "smart" decision so many people said. No loud neighbors through walls, own yard, basement, etc etc etc. Well it turns out my wife and I have bought a house that kicked our butt. I reg...
by Fieldsy1024
Wed Feb 19, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1526

Re: Would installing a French Drain (interior) be a good inv

The issue is not on my walls, but on my floors near where they cut around my basement.
by Fieldsy1024
Thu Jan 09, 2014 5:27 am
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653

Re: Would installing a French Drain (interior) be a good inv

The picture I personally posted is not a spot that has drylok on it. They did another area a while ago and that area seemed fine. I am starting to see this efflorescence in another spot.

All in all, I was just wondering if this is a common problem after an interior french drain installation.
by Fieldsy1024
Wed Jan 08, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653

Re: Would installing a French Drain (interior) be a good inv

I do have 2 sump pumps as well as a battery backup on one of them. Funny you say about freezing. Here in Philly it has been between 5-30 degrees for a good amount of time right after all that heavy rain and snow. I know a lot of people swear by drylok, I just wanted to know if anyone else can confir...
by Fieldsy1024
Wed Jan 08, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653

Re: Would installing a French Drain (interior) be a good inv

Hey thanks for the reply They did the entire basement all 4 walls. The basement is unfinished. I got two sump pumps and one battery back up. I really researched big time on Angie's list and although its not 100%, they had a ton of great reviews and a couple few eh ones. The first quote was 7,000, bu...
by Fieldsy1024
Tue Jan 07, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653

Re: Would installing a French Drain (interior) be a good inv

Hate to bump an old post, but I have a question about this installation. Where the company cut the floor (about 8 inch from the wall all the way around), some spots have efflorescence exactly where they cut the floor. The floor was stained or painted, hard to tell it is very very old so it is kind o...
by Fieldsy1024
Tue Jan 07, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653

Re: Buying/Selling at the same time, when is best?

Thanks, The area of the two houses will be closer and I am surely going to be spending more on my 2nd house than on my first. Your 200k to 300k (new house) sounds about what my goal is. I really shouldn't even be worrying about this since I plan to live in my house for atleast another 5 years. I'm j...
by Fieldsy1024
Tue Jan 07, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 797

Re: Buying/Selling at the same time, when is best?

Okay I am starting to understand this more, thanks all When interest is low, more fish in the pond so sellers can raise the price When interest is higher, less fish in the pond so sellers may settle on lower price Is there any articles that compares the two and says which is better for the buyer/sel...
by Fieldsy1024
Tue Jan 07, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 797

Re: Dating, Gender, & Wealth Differences...

If my girl out earned me I would be thrilled.......no sense of competing. You guys are in this together.
by Fieldsy1024
Tue Jan 07, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Dating, Gender, & Wealth Differences...
Replies: 102
Views: 6110

Re: Buying/Selling at the same time, when is best?

Housing prices fluctuate. If you are buying and selling at the same time, you will inevitably be buying and selling when the market is up or down in general. That means the pricing will be equivalent to some degree. Even though you may not have paid off one house, you have the debt. You are compari...
by Fieldsy1024
Tue Jan 07, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 797

Re: Buying/Selling at the same time, when is best?

Thanks for your reply.

So if I wait til the market goes up to sell my house/buy a new house, interest should be cheaper?


Why is interest so low now then? I am fairly new to all of this.

Thanks again
by Fieldsy1024
Tue Jan 07, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 797

Buying/Selling at the same time, when is best?

Hello, I will try and make the most sense of this as I can. When owning a home you want to sell to buy another, should you do it when its a buyers or sellers market? Right now, my house is worth a little less than what I bought it for. My interest is dirt cheap (3.25%). Should I wait until the marke...
by Fieldsy1024
Tue Jan 07, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 797

Roth IRA: Can I contribute up until end of year or before...

Can I contribute to my Roth IRA for a given year (2013) up until the end of the year (12/31) or tax time (April)?

Thanks!
by Fieldsy1024
Sat Dec 07, 2013 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA: Can I contribute up until end of year or before...
Replies: 3
Views: 245

Re: Why aren't Car dealers prepared to deal?

Do NOT tell them you will pay in cash...tell them after the fact.

I did this with my Mazda3 last year. I got it from 23,400 down to 18,500 walk out door.
by Fieldsy1024
Fri Aug 23, 2013 7:21 am
 
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 9088

Re: Negotiating on a price for heating/ac installation

Thanks everyone for the suggestions/tips

It was a hot one yesterday, this month may be a long one sine we don't have AC lol....I keep telling myself it might save us a bunch of money if we wait til October.
by Fieldsy1024
Sat Aug 10, 2013 9:00 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

I think Furnace is common near my area. I don't know many houses I have been into that have heat pumps. This crap is overloading my brain lol. I feel like hiring you guys to do it! So far my plan is... 1. Get atleast 4 companies to come out and give me a price 2. Lean towards the ones who automatica...
by Fieldsy1024
Fri Aug 09, 2013 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

No matter what, I want a high seer high effy. 1 or 2 stage. I will compare the price and see what we want to do.

Heat Pump or AC/Furnace? Those are the two options right?

I also ask if they can install a 4-5in media/filter cabinet? Is that much more $?
Thanks
by Fieldsy1024
Fri Aug 09, 2013 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

Okay....a two stage is on much longer but runs at 50% of the power? (aka saving more money, more comfort). Are all two stage systems also the higher seers? Or is there just as many two stage 13-14-15 seers as there are for single stage. I just would like an opinion on whats more important. Getting a...
by Fieldsy1024
Fri Aug 09, 2013 8:29 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

Thank you all for taking the time and helping me through this. Its very helpful. I think when I get estimates, I will get them from atleast 4-5 companies, and I will just try to pay attention to see who seems more professional. It is hard to weed out guys who are great sales guys. I had Sila over fo...
by Fieldsy1024
Fri Aug 09, 2013 6:01 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

So that Nate Circle Certified Installer doesn't mean anything? Its seems like its really hard to weed out the bad from the good. Like I said, I have Angie's list, but when it comes to this kind of job, it doesn't mean much. Most people who want to sell you things will talk anything up. I will do som...
by Fieldsy1024
Thu Aug 08, 2013 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

I live in Philly where I will need the air on for 3-4 months. I think a stage 2 would be way out of my price range. I will get the good, better, and best prices though. I think a stage one is all I will need or want. I was looking on Goodman for NATE Circle Certified installers and I found a couple ...
by Fieldsy1024
Thu Aug 08, 2013 8:10 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

The expensive guy was asking me all of those questions that you do in a Manuel J. He even asked me which way the sun hits our house which was pretty interesting. This guy was very against putting in a Goodman because they don't want to base their name on a lesser system. I always thought Goodmans we...
by Fieldsy1024
Wed Aug 07, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

The exact models that the guy charging 5,850 are...
GSX160301- 16 SEER Outdoor Condenser, 2.5T

GME950805CX- 95% Variable Speed Furnace

CAPF3743C6- Upflow Evaporator Coil.
by Fieldsy1024
Wed Aug 07, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

You just gave me a headache, not because of how you explained it, but its so much more to it than just throwing a dart at any model haha. Thank you for that post. I guess what it comes down to is I want to get the most out of my system, but without breaking the bad to hard (who doesn't?). I am a 28 ...
by Fieldsy1024
Wed Aug 07, 2013 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

Now I am thinking, if I am waiting until October, would waiting til next spring be better since my heater still works fine. Maybe get one more season out of my heater?

Would it be more cost effective in the fall or spring?
by Fieldsy1024
Wed Aug 07, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

What kind of AC/furnace was it? I'm getting a 2.5 ton 16 seer unit, 3 ton coil, 95% Furnace The parts I have now are Goodman. The old home owner decided to put a 3 ton unit outside and the house only need 2 ton MAYBE 2.5. It lived for 10 years. I never had much of a headache from the noise, and Im s...
by Fieldsy1024
Wed Aug 07, 2013 9:04 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Help us pick a car, please.

I love my Mazda 3 with the Skyactiv engine. I love the look, powerful for the mpg (28/40) and it handles amazingly.
by Fieldsy1024
Wed Aug 07, 2013 7:16 am
 
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 3757

Re: Jersey Shore, Anyone?

Little Italy.....Jesus the portions can feed 3 people!
by Fieldsy1024
Wed Aug 07, 2013 6:06 am
 
Forum: Personal Consumer Issues
Topic: Jersey Shore, Anyone?
Replies: 28
Views: 2217

Re: tipping people who dont expect it

Small gestures go along way. If someone walking by me smiles at me and says hello, that even cheers me up. There is a lot of wrong in the world, but some days you remember that people can be nice as well. I have always made it a point to say hello and smile to any stranger in my path, hold doors, pi...
by Fieldsy1024
Wed Aug 07, 2013 6:03 am
 
Forum: Personal Consumer Issues
Topic: tipping people who dont expect it
Replies: 12
Views: 1051

Re: Negotiating on a price for heating/ac installation

Well, Right now the weather has been cool and probably have another month of heat. One company with all 12 reviews on Angie's list being good... Cost: 5850 Goodman brands, looked up all the equipment, came in around 2700-2800 dollars 16 seer, 95% effy furnace, 2.5 ton out unit, 3 ton coil Another co...
by Fieldsy1024
Wed Aug 07, 2013 4:57 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: Negotiating on a price for heating/ac installation

In September-Oct in Philly, the weather is cool. Not hot enough for AC, not cold enough for heat. Would this be a good plan of attack?

I've heard early spring is good too.
by Fieldsy1024
Tue Aug 06, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Negotiating on a price for heating/ac installation

Is it common to negotiate a price for this kind of service? I know I had my french drain installed in April, and I had prices all over the place. One company cut the entire price in half (8,200 to 4,100...didnt go with him because they looked like creeps). I did go with a company that offered to do ...
by Fieldsy1024
Tue Aug 06, 2013 9:20 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3730

Re: What age did you reach 100K networth?

Do you include your home in your net worth?

Lets say my house is worth 200,000 and I paid 50k already towards it.

Would this be -150k net worth or plus 50k?
by Fieldsy1024
Sat Jun 15, 2013 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 34270

Re: 20 year term life vs. Roth IRA

Excellent ideas, both of them. Secrets in a marriage (beyond the level of guess what you're getting for your birthday) are devastating. They always seem to lead to more and more secrets on both sides, uglier and uglier. Best wishes! You are a total stranger but this has been so helpful to hear. I h...
by Fieldsy1024
Thu May 02, 2013 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

It's a really tough process; misery to go through. I've known patients who were admitted for inpatient detox from prescribed meds that were given for disabling pain. Congrats on getting through the rough part. By the way, was the original prescribing doctor your regular doctor? If not, you do need ...
by Fieldsy1024
Thu May 02, 2013 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

If you took the meds strictly as prescribed (never at a higher rate; didn't buy on the street etc to supplement), it would be worth contacting your original physician who wrote the prescription to ask if there is a way that s/he can verify that the addiction was not the result of drug abuse but of ...
by Fieldsy1024
Thu May 02, 2013 11:50 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

It has just been 10 days, and I am just starting to feel good and very proud of myself. The "addiction" part of it might have been 6-8 months tops. I am so worked up over this that I am afraid to open up to anyone. You likely could purchase "guaranteed issue" no underwriting ins...
by Fieldsy1024
Thu May 02, 2013 9:41 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

It has just been 10 days, and I am just starting to feel good and very proud of myself.

The "addiction" part of it might have been 6-8 months tops. I am so worked up over this that I am afraid to open up to anyone.
by Fieldsy1024
Thu May 02, 2013 9:35 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

This is apples and oranges. Term life and a Roth IRA have nothing to do with one another. Do you need life insurance? I do not have life insurance at the moment. I was thinking of putting the money saved from life insurance into the roth ira. My wife doesn't have it either, but her income is so low...
by Fieldsy1024
Thu May 02, 2013 9:15 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

Do you have children? Do you plan to have children? Would the loss of your wife and the associated income be a financial hardship for you? My guess is you need term life and your wife does not. The purpose of life insurance is to replace lost income, and is only needed if that loss would cause fina...
by Fieldsy1024
Thu May 02, 2013 9:13 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: 20 year term life vs. Roth IRA

This is apples and oranges. Term life and a Roth IRA have nothing to do with one another. Do you need life insurance? I do not have life insurance at the moment. I was thinking of putting the money saved from life insurance into the roth ira. My wife doesn't have it either, but her income is so low...
by Fieldsy1024
Thu May 02, 2013 8:11 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

20 year term life vs. Roth IRA

ME: 80,000 year Age: 28y/o Had a Roth IRA for a year now, plan to max out each year Price for ins would be about 40-45 a month, same with wife Wife: 30k year Age: 37y/o Also had a roth ira for a year now I was looking at a 20 year term (200-250k) for the both of us, but I was wondering if investing ...
by Fieldsy1024
Thu May 02, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: 20 year term life vs. Roth IRA
Replies: 24
Views: 1843

Re: Pay extra on principal vs. roth ira (but wait....)

Depends on your interest rate, the deductibility of your mortgage interest on state/federal taxes, and your tax bracket. If you pay 40% in federal and state taxes and are able to fully deduct your mortgage interest, then a 3.5% mortgage will be equivalent to 2.1% after your tax savings. It would be...
by Fieldsy1024
Sat Apr 20, 2013 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay extra on principal vs. roth ira (but wait....)
Replies: 9
Views: 917

Pay extra on principal vs. roth ira (but wait....)

Would it still be a better idea to put that extra 100, 200, 300 a month towards a roth ira vs your current principal knowing that in 7-8 years you may want to buy another house, or keep the house you have and just have a second home? I tried searching for this question, but it just takes me to the e...
by Fieldsy1024
Sat Apr 20, 2013 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay extra on principal vs. roth ira (but wait....)
Replies: 9
Views: 917

Re: Would installing a French Drain (interior) be a good inv

So all in all... is this a good price for...
144 feet, 2 pumps plus battery backup, 4 crack repairs for 4,500 dollars?
by Fieldsy1024
Sun Mar 31, 2013 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 8653
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