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Re: Broken Oxygen Sensor on Car

I bought the special socket for ten bucks and did it myself. It does help to lengthen your ratchet with a pipe r something similar
by wilked
Sun Apr 26, 2015 5:25 am
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2557

Re: Broken Oxygen Sensor on Car

Year / make of car? I bet there is a YouTube showing how to do it.

I did it recently, super easy
by wilked
Wed Apr 22, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2557

Re: Researching Used Car Price - Any data available?

I am not sure why it would be impossible? I just ran a quick query on ebay, for instance, and there are 16 cars that sold in the range I am looking (less than 5 years old, less than $50K). The problem is if I wanted to transfer this to excel I would have to do it all by hand, the data is non-standar...
by wilked
Sat Apr 18, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Researching Used Car Price - Any data available?
Replies: 3
Views: 268

Re: What Is The Worst Car You Have Ever Owned?

1991 Dodge Colt. The thing had a curb weight just under 2000 pounds I think (avg for a mid-size car is 3500 pounds) and the tires were these 13" ones about as wide as some bicycle tires (exaggerating slightly here). I lived in Maine and honestly was taking my life in my hands anytime it snowed....
by wilked
Sat Apr 18, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1765

Researching Used Car Price - Any data available?

So of course there is KBB and NADA, which are great at getting a +/- 20% I think. What I would really love is a database of cars within a make/model that tells you: Year/Miles/Trim/Price/Zip Code I have to believe this data is out there within Autotrader, for instance, but I can't see an easy way to...
by wilked
Sat Apr 18, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Researching Used Car Price - Any data available?
Replies: 3
Views: 268

Re: engineers - please help with engineering school selectio

Most engineers I know are engineers because their brains and blood are engineers. They view the world through a lens of 'how does it work', 'how could I make it work better', and 'why'? I don't really agree with your 50% number by my experience. To the OP, go with UMN, it has the edge on education. ...
by wilked
Sat Apr 18, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10029

Re: Moving to more expensive area--loan or sell investments?

I wouldn't assume a cash offer is needed... Another way to 'flex' cash is to make a larger than normal 'earnest money' to demonstrate seriousness.

Reealtors talk...your situation (75% of offer in cash) will be communicate with your offer. The sellers will be well-aware you are not a financial risk
by wilked
Thu Apr 16, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to more expensive area--loan or sell investments?
Replies: 1
Views: 244

Re: Safety Deposit Box is Necessary (+1 plug:)

I am not sure if the OP is a man or woman, but would like to hear more on his/her exact actions that convinced the thieve to drop everything and leave
by wilked
Thu Apr 16, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4454

Re: How do you quickly cool food?

lol...only on boglesheads!
by wilked
Thu Apr 16, 2015 7:31 pm
 
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 2429

Re: Help with ideas to buy a home in a hot market

If it is truly a hot market, then enter into an agreement with no financial / sales contingency. As you say the market is hot so your home will sell... worst case is you risk your earnest money, which you would lose *for sure* if you sold taxable (via taxes). It is a slight gamble, but odds are high...
by wilked
Thu Apr 16, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with ideas to buy a home in a hot market
Replies: 14
Views: 1576

Re: Just looking for advice

This is good timing as you have til the end of the day to do something I highly recommend: one Roth iras for both you and your wife for 2014. I would do the max, 5500 each. I would then pay off the student loans tomorrow, full amount. Your savings will take a hit but if you are saving 1000 per month...
by wilked
Wed Apr 15, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Just looking for advice - [Payoff loan, 401(k) choices]
Replies: 31
Views: 1139

Re: Kitchen upgrade - granite selection help

Are you in Atlanta?
by wilked
Tue Apr 14, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4305

Re: Kitchen upgrade - granite selection help

Just wanted to chime in with a rec to use quartz instead, we have had issues with granite in our last apartment
by wilked
Mon Apr 13, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4305

Re: Should I renege [on a] job offer?

Let me sum up what you have said so far. You like everything about the consulting job. You hate everything about the banking job. The pay at the latter is better, but the former is enough to live on comfortably and you've already accepted a position there. Why are you even considering this? This
by wilked
Thu Apr 09, 2015 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3241

Re: Can I Afford this house?

You could swing it if everything with the job works out as planned. Most everything in medicine is a 'big if' these days... I personally would live like a resident (or fellow) for a while longer. Almost no one does it, but it is the best path. Attack your student debt, save up for a bigger down pay...
by wilked
Wed Apr 08, 2015 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I Afford this house?
Replies: 15
Views: 1983

Re: Cost of College & Weighing the Merits of Top Schools

I am an engineering manager and agree with the others - for STEM schools, an expensive private school will matter at most for that first job. After that it is about ability and results. If I stop and think about it I can name my team members universities, but I do have to think about it for a moment...
by wilked
Tue Apr 07, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16751

Re: umbrella policy

I just picked up umbrella insurance (cost $250/yr for $1MM) based on this thread, thanks!
by wilked
Mon Apr 06, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 2899

Re: Getting Started - New investor

TXJuice wrote:For now I plan to hold onto this account and sell Navigator Holdings when it reaches my target price


What is your target price based on?
by wilked
Mon Apr 06, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting Started - New investor
Replies: 11
Views: 1396

Re: Pay Off Mortgage to Save for Bigger House

letsgobobby wrote:Seems like a terrible idea to put more money in the condo. I'd be hoarding cash in order to make a full down payment and to avoid the possibility of a contingent offer.

+1
by wilked
Mon Apr 06, 2015 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage to Save for Bigger House
Replies: 10
Views: 1548

Re: Memorial Day Weekend - Cape Cod or Martha's Vineyard?

Martha's vineyard is much better when warm... I would stay on the cape given the choice.
by wilked
Sun Apr 05, 2015 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Memorial Day Weekend - Cape Cod or Martha's Vineyard?
Replies: 20
Views: 1540

Re: Can I afford a $500,000 house?

The other thing you have to consider is the price you are talking for what you are getting.

Another garage stall? A sunroom? Find the southern-facing room and maybe bump out some bay windows, can completely open up a room.
by wilked
Wed Apr 01, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4996

Re: Can we afford to buy a house?

You mentioned worrying about whether prices are at a high... I can say that if I were worried about that I wouldn't be getting a 1000 sq ft condo for $600/st ft. I would aim for something like this which sold recently https://www.redfin.com/MA/Somerville/10-Miner-St-02145/home/8716011 the green line...
by wilked
Wed Apr 01, 2015 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 8
Views: 964

Re: Can we afford to buy a house?

We bought 9 months ago. I wpuld say you are looking either Brookline, Newton, or Cambridge? Find a cheaper area, those prices are obscene and would stretch your budget. Some suggestions are West Medford and Jamaica Plain, or Somerville (Some parts) I don't really understand this deal with the employ...
by wilked
Wed Apr 01, 2015 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 8
Views: 964

Re: Investing in patio sliding doors; any guidance?

I saw 'investing' in sliding doors and thought maybe Andersen was going public with an IPO!
by wilked
Mon Mar 30, 2015 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Investing in patio sliding doors; any guidance?
Replies: 7
Views: 741

Re: 26 year old beginner, What should I do?

SoCalTXan wrote:
It's difficult for me to spend such a large chunk of money at one time

You spent the money when you bought the car, not when you pay off the loan... I would encourage you to transfer that 'difficulty' to obtaining the debt in the first place
by wilked
Mon Mar 30, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old beginner, What should I do?
Replies: 21
Views: 2415

Re: 26 year old beginner, What should I do?

Pay off the car loan, you have plenty of saving a to do so.

Don't carry cc balances, the idea that it builds credit is mostly myth

Try and save at least 10 percent of your salary toward retirement, preferably 15

Do those and you are in good shape
by wilked
Sun Mar 29, 2015 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old beginner, What should I do?
Replies: 21
Views: 2415

Re: Can I afford a $500,000 house?

Unfortunately, not a good idea
by wilked
Fri Mar 27, 2015 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4996

Re: When to inject my index funds with this cash

Let's just say it is 1950... http://www.stockpickssystem.com/wp-content/uploads/2011/06/historical-rate-of-return-1900-2000.jpg and you say, jeez, the market is up right now, I am going to wait for a decent dip before I put my money in. And so finally 8 years later here comes your recession! http://...
by wilked
Mon Mar 23, 2015 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to inject my index funds with this cash
Replies: 7
Views: 941

Re: Overcontributed to Roth IRA

Maybe I did it wrong but I just took the excess Roth contribution and moved it to a regular IRA(before April 15th) and counted it as a regular IRA contribution for my taxes. Never had any ramifications from the IRS on doing this. Is a regular ira the same as a traditional (pre-tax) ira? the previou...
by wilked
Sun Mar 22, 2015 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 473

Re: Overcontributed to Roth IRA

Maybe I did it wrong but I just took the excess Roth contribution and moved it to a regular IRA(before April 15th) and counted it as a regular IRA contribution for my taxes. Never had any ramifications from the IRS on doing this. Is a regular ira the same as a traditional (pre-tax) ira? the previou...
by wilked
Sun Mar 22, 2015 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 473

Re: Emergency Fund - how much is needed

I would say $50K sounds fine for you... I wouldn't suggest going any higher
by wilked
Sun Mar 22, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund - how much is needed
Replies: 2
Views: 389

Re: Negotiate daycare rate?

They are having a hard time filling the spot from their waiting list...


Something doesn't compute.

If you will gladly wait 3-4 months to save $300, my guess is that is exactly what you will do
by wilked
Wed Mar 18, 2015 9:06 am
 
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2243

Re: master bath remodel: return on investment?

A good first order estimate is to recover 50%. Given 4 years of use, then, only you can judge if the $350/month usage cost is worth it to you.

An exception would be if the existing bathroom is truly a dump, as in you are embarrassed to have friends / family use it
by wilked
Wed Mar 18, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2929

Re: Bonus received. But its not what was agreed upon. Advi

I have some advice...move on. That $500 turns into $300 post-taxes, it's just not worth the fight. It's a small (working) world out there, you will connect with people at your work again, better to leave things on a reasonable note than be labeled as the petty guy who turned the screws on the compan...
by wilked
Wed Mar 11, 2015 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5286

Re: Old homes and radiator heating

Agree with the others...we have radiators and I wouldn't have it any other way! Not sure why you would want to replace them
by wilked
Tue Mar 10, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1842

Re: Creating a will

This is probably the 4th or 5th most common thread here, I would suggest perusing these to start

https://www.google.com/search?sitesearc ... org&q=will
by wilked
Tue Mar 10, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a will
Replies: 2
Views: 311

Re: Can I afford it?

I hate to burst your hopes, but I think ou know the answer- not yet! Get your assets up and in the future you probably can though
by wilked
Mon Mar 02, 2015 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5916

Re: Replace or repair dishwasher

Replace it with a Bosch
by wilked
Sun Mar 01, 2015 10:36 am
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1324

Re: Math on TSP Loan for house

We did it... Just don't assume it is a free lunch, I would adjust the home values you are seeking downward as a result of the increased lending
by wilked
Sat Feb 28, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math on TSP Loan for house
Replies: 7
Views: 497

Re: Buy home and start degree in the same year?

It makes things tight with that $80K, but can be doable. If you stick to $400K for a house I think you will be fine.

Just to be certain, is there any chance either parent would move to a stay-at-home parent? If so that would put things in jeopardy a bit
by wilked
Sat Feb 28, 2015 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home and start degree in the same year?
Replies: 10
Views: 819

Re: Buying a House - SF Bay Area [bayareabuyer]

I don't see anywhere where I'm contradicting myself. What I get from your posts that your are trying to paint me as someone who is overoptimistic about the SV housing market, when that is absolutely false. I'd warn the OP 10x to buy here for all the price risks. But contrary to a lot of naysayers, ...
by wilked
Fri Feb 27, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3834

Re: Subaru and Consumer Reports ratings

I have a 2003 Outback, 190K, thing is a tank. It had the standard head gasket leak at one point but that was it, standard timing belt changes, beyond that it just goes and goes. Big pluses -Ton of cargo room, excellent for hauling stuff, and when it doesn't fit inside -Roof rack plus tie downs means...
by wilked
Wed Feb 25, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9517

Re: how can i find place like this ???

Spirit Rider wrote:People posting the other threads might have noticed that all three were also posted by this OP.

http://i0.kym-cdn.com/photos/images/new ... 94/463.jpg
by wilked
Wed Feb 25, 2015 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: how can i find place like this ???
Replies: 7
Views: 1432

Re: Buying a House - SF Bay Area

.....or would you recommend something else? Work there a few more years then cash your winning lottery ticket and move to someplace that is more affordable. Years ago when I was about your age I lived in Sunnyvale and I moved up to Portland Oregon, which was inexpensive then, when I was ready to bu...
by wilked
Wed Feb 25, 2015 6:24 am
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3834

Re: Replacing a single tire on an AWD car

Why not just get the tire plugged? The OP doesn't know where the leak is coming from yet. The problem could even be a leaky valve. But there are many cases where plugging a tire can't be done due to where a puncture is, or how many punctures there are (I got three nails in one day in a single tire ...
by wilked
Tue Feb 24, 2015 12:08 am
 
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 12
Views: 1081

Re: Replacing a single tire on an AWD car

Why not just get the tire plugged?
by wilked
Mon Feb 23, 2015 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 12
Views: 1081

Re: ? present value of soc sec and pension

Go to an insurance site. Find an insurance product that is close to each option. Get a quote. with a COLA on first $18,000 of up to 3% based on 50% of the CPI Are you in MA? I'm curious why you asked this, Rodc. Are MA residents in some sort of unique situation? MA state pensions behave this way (o...
by wilked
Mon Feb 23, 2015 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: ? present value of soc sec and pension
Replies: 37
Views: 3132

Re: Selling older home with old knob and tube wiring

He probably is indicating that first floor ceilings don't have insulation
by wilked
Thu Feb 19, 2015 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 34
Views: 2800

Re: Selling older home with old knob and tube wiring

I would never buy a home without first having an inspection. If this was uncovered during the inspection I would want the owner to upgrade the wiring before I proceeded with the sale. Even if they were selling it for 5 bucks? If selling a home for $5 sounds ridiculous, so is the idea of not buying ...
by wilked
Thu Feb 19, 2015 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 34
Views: 2800
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