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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: 50
Views: 3891

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: 1168

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: 460

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: 745

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: 25
Views: 2356

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: 93
Views: 7422

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: 1376

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: 25
Views: 2356

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: 937

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: 937

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: 2867

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: 2630

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: 2630

Re: New and really need help with Investing

tin369 wrote:Hi all,

I found the boggle head guide to investing book through a blog about retirement and investing and the book led me to this forum.

Don't take this the wrong way...but you should re-read the book. Many of your questions are answered directly and in detail within the book
by wilked
Tue Feb 10, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: New and really need help with Investing
Replies: 42
Views: 3638

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

RooseveltG wrote: I also find there are times where I am stuck in traffic where it would be nice to read something larger than my iPhone

As someone sharing the road and father of two.... Please don't
by wilked
Sun Feb 08, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3066

Re: New and really need help with Investing

Pay off credit card debt immediately with savings.

Determine why you allowed $16k to pile up in credit cards.

Have your wife open the 401k and begin getting the free match.

Do these 3 things and you will be well ahead of where you are at the moment.
by wilked
Sun Feb 08, 2015 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: New and really need help with Investing
Replies: 42
Views: 3638

Re: Repay 401k or save for first house?

In 3 months lets assume HHI rises to $110K when your wife returns to work, or $9K/month pretaxes Assume that $9K becomes $6K post-tax/401k/etc You say rent is $730, cars are paid off, etc. Lets say $1200 or so for food/gas/utilities/insurance/etc. That should leave you about $4000/month in savings. ...
by wilked
Wed Jan 21, 2015 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Repay 401k or save for first house?
Replies: 7
Views: 489

Re: Smartest Financial Move Right now for my 1 Year old ?

Smartest financial move for a 1 year old is to maximize child care while limiting the cost of it. Find that sweet spot... If you work hard at it you can save $250-500 / month, which can be $20K by the time they are in public schools.
by wilked
Mon Dec 29, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move Right now for my 1 Year old ?
Replies: 17
Views: 1112

Re: Would you invest $2500 or ?

The investment I'm talking about is a sibling of mine who out of the blue called and asked for $2500 to get back on his feet. He has a lon g history of drug and alcohol issues (heavy duty stuff here) for decades . Supposedly he is in a psych ward and tried to commit suicide , is homeless, and wants...
by wilked
Tue Dec 16, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1711

Re: Helping out family members

what does family member mean?

wife, mother, cousin, maid?
by wilked
Mon Dec 15, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4849

Re: Seeking Boglehead advice on new home

Also, is the $45K in addition to an emergency fund, or separate?
by wilked
Mon Dec 01, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 28
Views: 3532

Re: Seeking Boglehead advice on new home

Buying / selling amounts to a 8-10% complete loss (realtor fees, loan fees, moving fees, etc). This is where remodeling starts to make sense. What are your plans for child care? Where I live child care is $1000-1500 / child / month. I firmly believe in the 3X multiple of gross salary for home afford...
by wilked
Mon Dec 01, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 28
Views: 3532

Re: How premium cable can cost $59K

Now try and imagine that instead of buying a cup of coffee a day you invest it!
by wilked
Sat Nov 15, 2014 6:26 am
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 6809

Re: Puerto Rico

Culebra > Vieques >>>> Mainland Puerto Rico

Seriously, stay a day or two on the mainland if you must but spend the majority in the Spanish Virgin Islands
by wilked
Mon Nov 10, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2785

Re: Buying Furniture

We bought a Pier 1 couch, thing was awful within 2 years (sagging badly).

We now own Amish-built sofas (kiln-dried, lifetime warranty on frame, etc) and so far am happy I spent extra. Very comfortable
by wilked
Mon Nov 10, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Buying Furniture
Replies: 27
Views: 2164

Re: Buying Furniture

It is not only what you buy, but where you buy it. The last time we bought furniture, we found a good furniture store in a small town in a very rural area. The prices were about 20% lower than in the city. That included free delivery to our house. When we had a problem, they could not have been mor...
by wilked
Mon Nov 10, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying Furniture
Replies: 27
Views: 2164

Re: New Home Affordability- Spend more/save less, or vice ve

no brainer, upgrade the house. You are in a great financial space to do so
by wilked
Sat Nov 08, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Home Affordability- Spend more/save less, or vice versa?
Replies: 6
Views: 630

Re: Can someone explain the myRA and its rules?

They originally announced that the plan would be available beginning late 2014. Treasury Direct has a page on myRA, but there's nothing about signing up just yet. So it doesn't seem to be available right now. http://www.treasurydirect.gov/readysavegrow/readysavegrow.htm Not available? Not actionable!
by wilked
Mon Oct 27, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone explain the myRA and its rules?
Replies: 4
Views: 1103

Re: How to wrap my head around downsizing my home?

Based on what you listed... Here is what I suggest:

Rent in Newton area near a T stop. You will be able to find a place with a yard, some green space, walkable, and close to public transport. It won't be cheap but nowhere in public-transport-Boston is both cheap and safe.

Good luck
by wilked
Fri Oct 17, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3774

Re: Home Ownership Maintenance Reserve

We just increased our e-fund when we bought a house, basically it is large enough to cover most any repair needed, from roof to furnace to appliances, etc. As it gets drawn down we are certain to replace it. Renovation-type projects get budgeted separately. The only thing we do similar to what the O...
by wilked
Sat Oct 04, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Home Ownership Maintenance Reserve
Replies: 11
Views: 2015

Re: Can I use a tablet for auto navigation?

Out of curiosity, did you google this before posting?

https://www.google.com/search?q=ipad+gp ... 2&ie=UTF-8

The answer is well documented. So long as the tablet has GPS you can use it for auto navigation
by wilked
Sat Oct 04, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Can I use a tablet for auto navigation?
Replies: 9
Views: 957

Re: Pizzasteve come in: my real estate question

1) Your down payment is the money you are investing - say 20% of 372k = 75k Off to a good start 2) Your mortgage payments are the money you would have spent paying rent anyway. Plus, bonus! You get a tax break. uh oh, buried assumption that PITI = equivalent rent. I just bought a house, and PITI is...
by wilked
Sat Oct 04, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to look at real estate ROI
Replies: 21
Views: 2711

Re: Home affordability

We could likely sell our existing home for ~$230k. Ideally, I'd like to purchase a new place for around $350k. But there isn't much available around that price. http://www.badgerflats.com/blog/wp-content/uploads/2011/07/Scratch-head2.jpg Perhaps you missed this sentence, cleverly hidden before that...
by wilked
Mon Sep 29, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home affordability
Replies: 25
Views: 2916

Re: Home affordability

yosef wrote:We could likely sell our existing home for ~$230k. Ideally, I'd like to purchase a new place for around $350k. But there isn't much available around that price.

http://www.badgerflats.com/blog/wp-cont ... -head2.jpg
by wilked
Mon Sep 29, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home affordability
Replies: 25
Views: 2916

Re: New Roof Needed Soon... Advice?

Agree with the others, go for a metal roof
by wilked
Thu Sep 11, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3116

Re: Recommended Mortgage Lenders

My recommendation is to find a good local lender. Redfin has reviews if you are a member. Get preapproved. When you have an offer accepted, call all the people above here. Use them to leverage the best rate and terms with local lender. If local can get close use them, a botched / delayed closing wil...
by wilked
Wed Sep 10, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 1058

Re: how will paid-off house affect mortgage app for new home

Looks like you can easily afford it.

Out of curiosity, were you thinking of moving before? Having to move for school reasons is one thing, but it appears as if you are seeking double the house as a result (double the dollars at least)
by wilked
Wed Sep 10, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: how will paid-off house affect mortgage app for new home?
Replies: 5
Views: 752

Re: The Worst Investment You Can Make: Buying a Home

I admit that when I was buying I did more due diligence on the location and tried to ensure that I bought in an area where values weren't likely to be depressed in the near term - I also paid more attention to flood risks. In the end, though, I stuck with the same sort of housing and can't really s...
by wilked
Thu Aug 28, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17172

Re: The Worst Investment You Can Make: Buying a Home

We just arrived in California. Wife wanted a house for our four kids. Put down 60% and paid it off in two more years. I was a little foggy about the investment decision (11 3/4% mortgage rate helped in paying off decision). My wife was very happy. My kids were happy and I found I was happy. Nobody ...
by wilked
Wed Aug 20, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17172

Re: Jewelry Insurance - Engagement Ring

I use JM. They are great to work with and their reputation is stellar I definitely recommend taking the ring to your jeweler once a year, have them clean it up (shine it up nice) and check the metal prongs to be sure it is on there well My only advice is to get an appraisal for 'replacement value'. ...
by wilked
Wed Aug 20, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 19
Views: 2140

Re: How to finance major home improvements

No option for doing it the old fashioned way, budgeting, saving, and paying cash?
by wilked
Wed Aug 20, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 24
Views: 1969

Re: gifting money, and smoking

I'm going to give them the money. I'm just trying to approach this in a way to get what I want, him to stop smoking. He's actually been in the hospital with pneumonia since monday now. My mom is hoping that him being forced to not smoke while in the hospital, and being told he can't smoke until the...
by wilked
Wed Aug 20, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2613

Re: Do we plunder our retirement to pay off student debt?

I wouldn't take out a loan to pay off a loan - that really isn't solving a problem, just shifting it to somewhere you can more easily ignore it. If I were in your shoes, I would follow the Dave Ramsey baby steps. 1. Get the 401ks matches (okay - so Dave wouldn't do this, but I think it's prudent in...
by wilked
Wed Aug 20, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 30
Views: 2959

Re: gifting money, and smoking

My mom asked to borrow some money, 400$ I don't actually expect to get it back, because to be honest, she's not good with money. I'm very glad she doesn't have a credit card. Oh I'll just make payments is a common phrase for her. Her only debt right now is housing, about 80k. My mom and step dad to...
by wilked
Tue Aug 19, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2613

Re: Where to live? She works in Boston, he works in Worceste

Brookline will be a serious premium (speaking from someone who moved away from there a year ago). I would aim for Newton, definitely choose a spot walking distance to the commuter rail there (forget about the green line unless she is a serious masochist). Newton is a great town, can be very walkable...
by wilked
Sun Aug 17, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2341

Re: Smartest way to fund new car purchase?

jeff1949 wrote:
Crimsontide wrote:Save up and pay cash...



+1

That always worked well for me. If I could not afford to pay cash then...........I just could not afford it. Period.

+1
by wilked
Sun Aug 17, 2014 5:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1652

Re: How much life insurance? 29 year olds

I think you each need $250-500K, for ~20 years. Deciding between 250 and 500 is a matter of comfortability. If I were you I would aim for the low side, but that is uo to you
by wilked
Wed Aug 13, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance? 29 year olds
Replies: 16
Views: 1588

Re: Reticient sibling [Dispute over execution of trust]

Mr. Digweed wrote: The devil is in the details.

The very thing this thread is lacking...
by wilked
Mon Aug 11, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reticient sibling [Dispute over execution of trust]
Replies: 31
Views: 3414

Re: $65k bonus for student loans...considering not taking it

The old proverb of 'bird in hand' seems to apply here...
by wilked
Mon Aug 11, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3452

Re: Changing queen size to king size

If you don't care about the side rails or a bit of kludgery, consider this plan: Disassemble bed Attach headboard to wall behind bed Attach king-width 2x4 across width of headboard Lay down standard metal king bed frame (cheap) Attach head of frame to 2x4 Attach another 2x4 to foot of frame Attach ...
by wilked
Mon Aug 11, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Changing queen size to king size
Replies: 9
Views: 1307
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