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Re: Tract Home - Things to Watch During Construction

We're in a tract home type community but the prior builder (local) and our builder (local) all emphasized customization of their floor plans. The current builder (yes, the community is on its THIRD builder...big community that has gone through the housing implosion) is also local but does NOT like t...
by investingdad
Wed Aug 20, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3013

Re: In-Law Financial Issues (long)

UPDATE 1.) My wife and I are 100% on the same page in this matter. Ok, that makes a big difference then. If your wife feels the same was as you do, the tone of your post can be framed in the proper light. It's not just you complaining about your in-laws money issues, it's you and your wife sharing ...
by investingdad
Tue Aug 19, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4115

Re: Kids getting older, thoughts on the future

Mine are 9 and 7 and both play soccer. Their participation motivated me to get back into playing sports myself. But I hear you...the first nine and seven years have gone by pretty quickly. This is why I usually drop what I'm doing when one of them comes to me and say, "Dad...can we play [x]?&qu...
by investingdad
Mon Aug 18, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Kids getting older, thoughts on the future
Replies: 10
Views: 1928

Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I realize that investing in individual stocks is not consistent with the Boglehead philosophy, but I still maintain a small amount of money in a trading account t...
by investingdad
Mon Aug 18, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7628

Re: In-Law Financial Issues (long)

One other thing I'll add here. My wife and I will complain to each other about both our parents and the other's parents. Between us, each other's family members are fair game for criticism and complaint. We share freely with each other conversation that our parents tell us to "keep to yourself&...
by investingdad
Mon Aug 18, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4115

Re: In-Law Financial Issues (long)

I strongly suggest you have a discussion with your wife about this...they're her parents. I'd caution you to avoid saying things like, "dollars they spend now are really your dollars in the future." They don't need you to move them into a smaller house or tell them how to spend their money...
by investingdad
Mon Aug 18, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4115

Re: High School Reunions--Have you attended?

My 30th was a couple of years ago. It was to far away to attend, but I did see photo's of the event. The group photo was really confusing, it was full of old/fat/bald (or grey) men. Almost everyone in it was twenty years older than me. (I mean, I've also put on some weight since then, and may have ...
by investingdad
Mon Aug 04, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5059

Re: How many families use 529 plans?

After a lot of ruminating on 529 plans, we decided not to use them. Our kids are 9 and 7 and I do expect them both to go to college. We decided to make retirement savings our priority and will draw down from taxable accounts to pay for college.
by investingdad
Mon Aug 04, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6527

Re: High School Reunions--Have you attended?

I graduated in 1991 and attended out tenth (held 1 year late) and 20th (held 2.5 years late). I won't be attending anymore. When the class officers were elected during our senior year it was really just a popularity contenst with only a fraction of the people bothering to cast votes. Said class offi...
by investingdad
Mon Aug 04, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5059

Re: Can't decide final New Construction Option for Master Ba

Our builder was very flexible and we re-did the layout completely on the bathroom. Instead of a fibreglass insert which is standard, we did the following: - reduced the depth of the linen closet by amost 1 foot and gave it to the width available for the shower - changed direction of the toilet and i...
by investingdad
Fri Aug 01, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 981

Re: New Construction Builder options help me decide

Basement is not finished would be an extra 12k to finish. I'd prefer to not have them finish it because they take alot of the potential sqft out of the basement with the way they place walls etc... Just a note this isn't really a sunroom although they call it that I would call it just an extension ...
by investingdad
Mon Jul 28, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 727

Re: New Construction Builder options help me decide

I'd go with the Lexington model, Elevation 6, with the sunroom. Not sure which model you're looking at or if I'm at the right ones, but that one wasn't too bad. If the Saratago, Elevation 4. Be careful with homes that have all brick or stone facade. They can be a source of water intrusion years late...
by investingdad
Mon Jul 28, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 727

Re: What amount of Earnest Money - New Pulte Home

I don't want to scare the OP, but there have been a lot of reported problems with Pulte. Make sure you understand what you're getting with them. If you do a search online about Pulte quality you get a lot of hits that are less than positive. When we built with a local builder putting up this type of...
by investingdad
Mon Jul 28, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1963

Re: Whats a Better Lot in a Tract Home Neighborhood?

hackermb wrote:Thanks for all the opinioins/advice.

We stayed away from the "pond" and went with the walkout overlooking the woods / walking trails / ravine.

Thanks


This would have been my choice as well.
by investingdad
Mon Jul 28, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2229

Re: Kitchen Remodel... Or Not?

I would appreciate some collective wisdom on this. My wife and I live on the east coast in beautiful old home (130 yrs). We mostly love the house and completely love the location, but we hate the kitchen. We have spec'd out a kitchen remodel plan with a local remodeling firm, but I'm a bit hesitant...
by investingdad
Mon Jul 28, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2896

Re: Whats a Better Lot in a Tract Home Neighborhood?

I have experience living on a cul-de-sac in our first home and having the choice of backing to woods or a retention pond (actually, both the pond and the woods) in our second house. And we have a walkout basement. My issue with the cul-de-sac is that it served as a turn-around for a lot of people. A...
by investingdad
Mon Jul 28, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2229

Re: Rather be Home, Rather be at Work

Meg77 wrote: even now I appreciate the quiet organization of my workplace and day, if not the work itself.


I think is the core of it for me. The organization and structure (and quiet office) are satisfying, contributing and getting paid is a fine bonus.
by investingdad
Fri Jul 25, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3846

Tennis Players?

I started playing tennis again after taking a very long break (more than 10 years). I stopped playing out of frustration over a lingering injury that was having a detrimental effect on my game. I decided to start again primarily because I wanted the exercise and because I thought I should do somethi...
by investingdad
Fri Jul 25, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Tennis Players?
Replies: 5
Views: 738

Rather be Home, Rather be at Work

It's funny. When I'm at work I'm thinking I'd rather be at home. Or I should say, After about 6 hours I'm thinking I'd rather be at home. I'm an engineer and I do project development stuff. It's enjoyable for about 5 hours a day. Today I'm at home because the kids had a summer camp activity we reall...
by investingdad
Fri Jul 25, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3846

Re: Riding the Rails--my Amtrak trip

investingdad wrote:I'm on Amtrak right now as well, Providence down to Philadelphia.


And I will add that, having taken the Acela up to Providence, that the Acela is much more comfortable. The seats do a better job of supporting you. On the regular Northeast Local I was having pain in my leg due to back problems.
by investingdad
Thu Jul 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9064

Re: Riding the Rails--my Amtrak trip

I'm on Amtrak right now as well, Providence down to Philadelphia.
by investingdad
Wed Jul 23, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9064

Re: If you own a car, do you have a car payment?

Hi, I bought my 2014 Nissan Altima on a loan. I could buy the car with cash. Why?? I get additional $500 cash back and the 3 years 7.5K loan is at 2.69%. Effectively, I get paid ($500 - $326) = $174 to take the loan. The loan is less than 0%. KlangFool I almost went with the Altima but I had read a...
by investingdad
Fri Jul 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7385

Re: If you own a car, do you have a car payment?

I'm financing my 2013 Maxima at 0%. Got it for 26.9K, well below sticker, because it was the base model and a left over.
by investingdad
Fri Jul 18, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7385

Re: Options/guidance for a lazy person to be fit

After many years of not exercising (my 30s, basically) I've recently found as I crested 40 that the weight goes on much easier than it comes off. I don't know if you've played sports in the past, but I used to play tennis. I recently got back into game after quitting out of frustration in my late 20...
by investingdad
Fri Jul 18, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5871

Re: Why does anyone use American Express?

I have an AMEX Corporate Card because that's who are MegaCorp is tied in with.
by investingdad
Thu Jul 17, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 23797

Re: Builder Options and Property Tax?

Wanted the boards opinion to make sure I am thinking about this correctly: In a mass produced suburb(subdivision) type development. Base house price is around 235,000 for 3100 sqft. Upgrades can take you close to 400K. When you build a house in a development your property tax valuation is set at wh...
by investingdad
Tue Jul 15, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Builder Options and Property Tax?
Replies: 9
Views: 627

Re: Birthday gift for a 10 year old girl

My daughter is 9 and my son will be turning 7. I'm an avid gamer and I have an Xbox 360. So far the only games we allow the kids to play are the ones we download for them onto a shared Kindle. If you introduce video gaming to her via a Console, make sure you understand what games she's playing. Also...
by investingdad
Sun Jul 13, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1666

Re: List of Worst financial advice (what not to do):

I don't invest because I'm not going to give the gov't one more red cent in taxes. I already pay taxes on my income, why would I invest and give them more?


(actually spoken by my mom's brother)
by investingdad
Wed Jul 09, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16240

Re: Driving from outside Philly to Florida, with 3 children.

I used to make this trip when I was a kid and I hated it. My wife and I drove it once and it wasn't too bad. We fly when we go to Florida but the kids are now 7 and 9 and could probably tolerate it with books and movies w/o being nearly as bored as I used to get. We're also outside Philly. When my w...
by investingdad
Wed Jul 09, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1824

Re: Valuing a personal residence for net worth purposes

I value it at downpayment plus principal paid.
by investingdad
Tue Jul 08, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4028

Re: Do you tell your kids how much you make?

My kids are in elementary school so they only have a vague idea about income and salary. That said, I've explained to my daughter that some jobs require a lot of years in college or special colleges (medicine, law, etc). Because it takes so much time and there is so much to learn in order to become ...
by investingdad
Mon Jul 07, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6055

Re: Retiring without any Direction

Maybe her entertainment is torturing you. :twisted: Don't worry, they've been doing that for the last 30+ years. I know I probably focused too much on the recent conversation with mom. The real point here is that it got me thinking about how I'll need to find good ways to fill my time once we do re...
by investingdad
Mon Jul 07, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2115

Re: Retiring without any Direction

livesoft wrote:If your mom wants to travel, then your mom should travel without your dad. If she makes excuses about that, then ….


I've pointed this out to her already with little success.
by investingdad
Mon Jul 07, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2115

Retiring without any Direction

I wanted to share this since most of the people on this forum are focused on an early retirement and early financial independence. I know that I certainly am. My wife and are both 41 this year and with planning, some help from the market, and a dash of luck we may be in a place where retiring in our...
by investingdad
Mon Jul 07, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2115

Re: Neighbor's Fireworks

We've lived in our neighborhood for about a year and this was our second 4th of July here (first one actually at home, however). OOur neighbor two doors down put on quite the firework display last night. There was a slight breeze so much of the firework debris ended up on my yard and on my roof. It...
by investingdad
Sat Jul 05, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4484

Re: "Only a fraction of Americans directly own stocks"

The comments section in that article show that most people don't understand stocks, the stock market, or a great many basic financial principles.
by investingdad
Sat Jul 05, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3397

Re: I found a new coffee.

I try to roast just enough to get through the week. Here is what I am currently using: http://www.sweetmarias.com/store/roast-coffee/air-roasters/westbend-air-crazy.html And a link to how to do it: http://www.sweetmarias.com/airpop/airpopmethod.php This is very cool. We have an air popper that we u...
by investingdad
Thu Jul 03, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5492

Re: In retirement you expect you standard of living to?

If it stays the same I will be quite satisfied.
by investingdad
Thu Jul 03, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4567

Re: I Hit My Number Today!

The better question is this...is that your Lotus in your avatar picture? :happy
by investingdad
Thu Jul 03, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3308

Re: I found a new coffee.

We have a Full Automatic espresso maker...basically it grinds the beans and dispenses the espresso. We buy a 5 pound bag of coffee from CoffeBeanDirect and then split it up into glass mason jars. I pour enough beans into the hopper for each serving. I will say that cold brewing in a French Press gi...
by investingdad
Thu Jul 03, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5492

Re: I found a new coffee.

We have a Full Automatic espresso maker...basically it grinds the beans and dispenses the espresso. We buy a 5 pound bag of coffee from CoffeBeanDirect and then split it up into glass mason jars. I pour enough beans into the hopper for each serving. I will say that cold brewing in a French Press giv...
by investingdad
Thu Jul 03, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5492

Re: I found a new coffee.

Coffee mini-snob here. I say "mini-snob" because a full-on snob would roast the beans personally. I buy roasted, whole, beans mail order from several different sources. There are many on the internet. Here are a few ... http://www.austinroastingcompany.com/ http://www.lacolombe.com/ (I ju...
by investingdad
Wed Jul 02, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5492

Re: How to admit/should I admit alcohol problem to employer

Well done on taking a massive first step. My megacorp has an EAP for these exact reasons. If you have one, call them. I second an attorney chat just to be safe. Though I have no way to support this statement, I'd expect the employee that proactively seeks treatment is in a better place than the empl...
by investingdad
Wed Jul 02, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13215

Re: do you lie about your finances to friends

Most people do not have admiration for financial independence. No they don't. Because it often means they have to review how they're spending or managing their money and they know it's a problem. Just give a listen to call-in guests on Ramsey or Suze Orman...people with higher incomes making poor c...
by investingdad
Tue Jul 01, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9190

Re: The Millionaire Next Door: Are You One?

As much as we like to believe different bogleheads are human. Like every other human we tend to want acceptance from others that we "belong" and want positive reinforcement of their actions. In the real world most try to get that through material objects. Here at bogleheads we get that th...
by investingdad
Tue Jul 01, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22709

Re: How much $$ to change jobs?

Why not shoot for the moon?
by investingdad
Mon Jun 30, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4204

Re: The Millionaire Next Door: Are You One?

We live in a nice neighborhood, but there's a mix of people there. Our county makes it very easy to look up deed and mortgage amounts. As such, I know what's happening in my neighborhood. What the neighbors do does impact us as the recent changing of hands of the unfinished portion of our developmen...
by investingdad
Mon Jun 30, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22709

Re: Quantum of the Seas

We're planning a family cruise on Anthem of the Seas in 2015. Been awhile since we sailed, should be interesting. Let us know how the trip goes.
by investingdad
Fri Jun 27, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Quantum of the Seas
Replies: 1
Views: 470

Re: leaving big company to join small one

Does the new location offer other employment opportunities? I think that would make a difference for you as well.
by investingdad
Thu Jun 26, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: leaving big company to join small one
Replies: 22
Views: 1905

Re: Am I Nuts?

I don't see enough info for me to give advice on the finances, so I won't. But having just converted half of our basement into a finished game room, I will advise that you live in the house for a few years before doing any work. We built our place in 2010, coming from another home we'd built and sol...
by investingdad
Thu Jun 26, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2759
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