Search found 725 matches

by davebo
Thu Jul 13, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1035

Re: Buy/Remodel or Addition?

Personally I'd probably just buy one of the $620K move in ready homes and avoid the add on and the massive full scale remodel of the $400K property. You're nit picking about the monthly payment going up due to property taxes, but that's not comparing apples to apples with stroking a $120K check (wh...
by davebo
Thu Jul 13, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1035

Re: Buy/Remodel or Addition?

Have you ever lived through a major remodel before? I ask because I wouldn't be so confident that you can remain in the home while the work is being done. I had a much smaller project done earlier this year that involved removing exterior walls in a small bathroom at the back of the house. The amou...
by davebo
Thu Jul 13, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1035

Re: Buy/Remodel or Addition?

In our HCOL area, bought a place w/2200 sf and a small 400sf basement; when #3 came along we just did not have the space. Saw several neighbors who did expansion remodels to add living space, we decided that we'd be overbuilding for the neighborhood and would not recoup much of the 'investment'. En...
by davebo
Wed Jul 12, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1035

Re: Buy/Remodel or Addition?

Just over two decades ago, we went through the same exercise. After we got the costs to upgrade/expand our previous home and included the then current value of the home, it made more sense to have a new house built that had all the features we wanted. It turned out well, without all the inconvenien...
by davebo
Wed Jul 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1035

Buy/Remodel or Addition?

I have an existing 3-bed/3 bath ranch with a full finished basement. Recently we have been talking about doing an addition to add a master suite. Our house is finished, with the exception of the small bedrooms and lack of a master…maybe lack of an office and ample closet space if I’m being picky. We...
by davebo
Mon Jul 03, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house?
Replies: 50
Views: 4271

Re: Should I buy this house?

I have no idea why you would want to buy a house with the, seemingly, primary reason being to have a 3-car garage to house the corvette that you don't own yet. It seems like with the amount of hours you work, you won't be home to enjoy either one of them.

I
by davebo
Mon Jul 03, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13219

Re: Are you finding any good values at Amazon anymore?

Generally speaking, if something is a name brand, you're more likely to find a good deal if it's Shipped/Sold by Amazon themselves. Most of the 3rd party sellers are not getting the merchandise from distributors, so they are finding products at clearance at local stores. Even if they are finding it ...
by davebo
Mon Jul 03, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 21
Views: 1939

Re: Lastpass anyone use it?

Yes, I use lastpass as well and have been for a few years. For some reason, the chrome add-on stopped working at my employer but I think that's more of a network issue.
by davebo
Mon May 22, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 4369

Re: Has anyone tried Orangetheory Fitness

They are pretty popular here in IL. Most people that I know do OT plus either have a cheap gym membership or a home gym setup for weights. Like others have mentioned, it's probably a good option if you need a little kick in the pants to do cardio. I am kind of the opposite, I enjoy running but hate ...
by davebo
Thu May 11, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1784

Re: Home Addition Costs

Part of the problem might be, you went out for bids for the whole job. Contractors have a hard time controlling costs; maybe, when they finally get to your job, the subcontractor they were going to use is busy on another job so they have to use a more expensive sub. Maybe the cost of tile takes a b...
by davebo
Thu May 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1784

Home Addition Costs

So a couple months ago we finalized the plans for an addition and sent it out to bid with a few contractors. 2 of them were people the architect recommended and 1 was someone that we knew. The addition was 400 SF addition off the back of our ranch, pretty basic design and materials...plumbing work w...
by davebo
Tue May 09, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3488

Re: Swing Set 2700.00??

The best bang for the buck would be an used one (like Rainbow) off craigslist. You can hire companies that will move it and reinstall it for you and easily come in under the $2700 and probably a lot less. That's the route that I would've gone except my parents bought me a swingset from Toys R us. It...
by davebo
Tue May 09, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 2576

Re: Cord Blood Banking

We did it with our oldest kid in 2008, but did not do it with our next 2. I think it was around $900 initially and then it's $100/year after that. I don't remember thinking about it that much, but I know my father in law strongly encouraged us to do it...mostly because my SIL had leukemia as a child.
by davebo
Fri Apr 28, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 506
Views: 200461

Re: TV show recommendations?

TerryDMillerMBA wrote:Bosch, season 2

Binge-watch for best results.


Does Bosch start getting better? I saw the great reviews, but just could not get into season 1...only lasted a couple episodes.
by davebo
Wed Apr 26, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5410

Re: $300+ to remove a racoon. Really?

I would pay the $300 in a heartbeat to get rid of a raccoon. The guy has to make 2 trips and then probably has a minimum distance that he needs to release the critter.
by davebo
Mon Apr 24, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 5293

Re: New job and offer - recruiter sent a wrong $$

I guess it would depend on the reasons why you want to leave your current job. I personally wouldn't leave a job for the same money because job moves are when you tend to get bigger bumps in pay than normal merit increases. If you hate your job and hate your location, then maybe I'd consider it. Sti...
by davebo
Mon Apr 17, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2848

How to be a good parent to an introverted kid

My 2nd grade boy is a great kid...very smart, disciplined, works hard in school, and he's a great big brother to his younger siblings. He's always been on the quiet side and more of an introvert. I have to admit that I worry about him socially a bit as he doesn't really express any desire to have ot...
by davebo
Sat Apr 15, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4875

Re: What do you do with your coins?

I give my coins to my kids. Our local bank still counts coins for customers. They actually even do it one better and have the machine out in the lobby so the kids can dump the coins in themselves and take the ticket to the teller.
by davebo
Tue Apr 04, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3527

Re: House buying- How to think about property taxes?

I live in a similar high tax area in IL. We were looking in the $500K price range and couldn't come to grips with paying $13-$14K in property taxes. Granted, there were certain perks in living in these high tax areas like walkability to a downtown filled with restaurants, nice community feel, abilit...
by davebo
Mon Mar 20, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 3049

Re: What is ideal master bedroom size?

Thanks for the feedback. Our current bedroom is 11.5x14" and we fit a queen bed, 1 nightstand, 1 armoire, and 1 standard sized dresser. We really only use the bedroom for sleeping, so I guess it makes sense that we're not wasting space but I would consider the room to be fairly small. I guess s...
by davebo
Sun Mar 19, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 3049

What is ideal master bedroom size?

Just curious if everyone's opinions. We are doing an addition and trying not to overdue it unnecessarily. Our plan calls for a 14 by 13 master, 13 by 6 closet, and then a decent sized bathroom. My only pause is whether we should expand the master a couple feet even though we really won't use the roo...
by davebo
Sun Mar 12, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 50
Views: 39880

Re: Do Whole House Humidifiers Work?

Wow, old thread...I started this one about 4 years ago! Looking at it over the last several winters, I've come to the conclusion that maybe a whole house humidifier takes the bite out of the dryness but it's nothing to write home about.
by davebo
Fri Mar 10, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does a 401k loan make sense in this situation?
Replies: 7
Views: 1034

Re: Does a 401k loan make sense in this situation?

I am about to do a home addition and am contemplating a HELOC or possibly doing it in cash. I have the ability to save through my work 401k, my wife's state pension, and thorugh a solo 401k through a business we own. As a result, I've been putting away roughly $50-$60K in retirement. I'm intrigued ...
by davebo
Thu Mar 09, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does a 401k loan make sense in this situation?
Replies: 7
Views: 1034

Does a 401k loan make sense in this situation?

I am about to do a home addition and am contemplating a HELOC or possibly doing it in cash. I have the ability to save through my work 401k, my wife's state pension, and thorugh a solo 401k through a business we own. As a result, I've been putting away roughly $50-$60K in retirement. I'm intrigued b...
by davebo
Wed Mar 08, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance a home addition?
Replies: 5
Views: 754

How to finance a home addition?

My wife and I are contemplating doing a master suite addition on our home. I estimate the cost will be somewhere in the range of $80-$90K when it's all said and done. I could pay cash for the addition, but would prefer to finance it to spread it out over a longer period. Sounds like most people will...
by davebo
Mon Mar 06, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 4260

Re: How much do you spend on "stuff" for kids?

If I had to guess, we spent around $1K per kid on "stuff" throughout the year. We still accumulate a lot of stuff because my kids have a lot of aunts/uncles and then the grandparents of course. With regard to the b-day party, we do an outside birthday party at the sports-type place or gymn...
by davebo
Fri Mar 03, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Mexico 3rd week in June?
Replies: 16
Views: 1361

Re: Mexico 3rd week in June?

People told us not to go to Mexico in the summer because it's too hot, but my wife is a teacher and that's the only time we could get away. I didn't recall it raining that much when we were there, but I guess it's hit/miss. I personally would go....ideally these days I prefer to go to warmer places ...
by davebo
Fri Mar 03, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 8290

Re: Do Boglehead DIY or Pay a Professional?

I'm 39, 3 young kids, and both my wife and myself work full-time. While I have the income, I hire people to do most of the handywork around the house. I know it would be cheaper to do it myself, but would add a lot of time/frustration and time is the commodity that is in short supply these days. I k...
by davebo
Fri Mar 03, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 3172

Re: How to ask back the book I lent to a Director?

I think it'd be a little weird for you to ask the book back to be honest. When people volunteer books like "Hey, you should really read this book, here it is", I think you have to give them a bit of time to actually read it. Realistically, she probably never will read the book and hopefull...
by davebo
Tue Feb 28, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Variety Packs at Grocery Stores
Replies: 2
Views: 503

Variety Packs at Grocery Stores

Do you guys/gals actually like the variety packs? I'm mainly talking about the larger boxes that you'd get from Costco/Sams Club that would have 2 flavors as opposed to just a single flavor. For instance, my kids love Nutrigrain bars but only like the Apple Cinnamon and not the Strawberry, so that m...
by davebo
Mon Feb 27, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3695

Re: Do you clear your inbox?

For my work email, I use Outlook and I find it very hard to search when things are put in multiple folders. So I basically just have "open" items and "closed" items and shift things into closed only when I know I won't need the email again. The problem with this is that very few ...
by davebo
Tue Feb 14, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 5173

Re: New cars or Pool?

My 69 year old parents just put in a pool for some reason. My parents raised 5 kids in a 1600 SF house and money was, at times, tight growing up because my dad's business. They went through a 10-12 year period where my dad's business was completely in the toilet and then me and him started an e-comm...
by davebo
Tue Feb 14, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 18023

Re: Why do you go to restaurants?

If we do go to restaurants these days, it's mostly quick places without a waitress and places that the kids enjoy. The #1 reason we would go out is because we don't want to cook that day and it gives us a nice break. #2 is either the occasional date night or out with friends. I used to love going ou...
by davebo
Wed Feb 08, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5439

Re: Walmart.com vs. Amazon.com

Amazon has the selection it has precisely because it allows 3rd party sellers to list and fulfill products through FBA. They have essentially thousands of companies paying them to ship and store packages, not to mention improve the listings themselves with more information and detail. Sure, you get ...
by davebo
Mon Feb 06, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4792

Re: Disney Cruise instead of Disney World?

I think a lot of this depends on your kids. My kids are more into the rides/fireworks/shows vs. the characters. So if I was going to do a cruise, I'd probably go with Royal Caribbean and get more bang for your buck. I'm sure a Disney Cruise is nice too, but I've heard they are very overpriced compar...
by davebo
Mon Jan 23, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 4509

Re: Is Little League Slowly Dying?

When I was a kid, for organized sports for kids, little league was it. Now there are lots to chose from, so it would make sense that LL would have less interest. My sons were in Tae Kwon Do and soccer for extra-curricular activities, as well as robotics and music when they were in school. That's wh...
by davebo
Mon Jan 23, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 4509

Re: Is Little League Slowly Dying?

I was talking with someone this week and he asked if we were going to do little league this year. He is on the board and they were really looking for players to join because, if they couldn't, they would probably have to disband the league. From my understanding, there were 8 t-ball teams last year...
by davebo
Mon Jan 23, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 4509

Is Little League Slowly Dying? [Should my kids play this year?]

I was talking with someone this week and he asked if we were going to do little league this year. He is on the board and they were really looking for players to join because, if they couldn't, they would probably have to disband the league. From my understanding, there were 8 t-ball teams last year ...
by davebo
Wed Jan 18, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Crack in basement wall of house
Replies: 10
Views: 1342

Re: Crack in basement wall of house

my feeling is that the crack was created because of the deck that is ~3 ft above the ground. The deck is attached to the side of the house on hangers. The footers are only on the outside with a span of ~12 ft. With nothing else to support the joists underneath the deck, was the deck causing stress ...
by davebo
Wed Jan 18, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Crack in basement wall of house
Replies: 10
Views: 1342

Re: Crack in basement wall of house

Are you looking at my house? Seriously though that is the exact situation that I have in my house. We have a sump pump and ejector pump. We also have a crack in the foundation that is covered on the outside by the deck. Unfortunately for me the crack was covered up by drywall when the inspection was...
by davebo
Wed Jan 18, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Replacement floor mats for Infiniti M37
Replies: 18
Views: 1388

Re: Replacement floor mats for Infiniti M37

I lived in the Chicago suburbs and, for years, I heard the weathertek radio commercials and assumed they were just a very small local company. If I ever seen floormats mentioned online, there are a ton of people that mention how they have weathertek mats. Honestly, one of the reasons I assumed they ...
by davebo
Wed Jan 18, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Anyone rent toys?
Replies: 27
Views: 3297

Re: Anyone rent toys?

If I was ok with used toys, I'd probably just buy them on Craiglist and then give them away. If you want to limit the toys in your house, I'd probably just set the rule that you can only have x amount of toys at a time. The hard part is keeping your family in line though cause that's where it gets c...
by davebo
Mon Jan 16, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

That's a good point, I like the way you think. I think I'm always afraid to put too much away for fear that I won't be able to get at it if I need it. Would you take away money from the 529 if it means completely maxing out the tax deferred accounts? davebo, Yes. And, 5K from savings too. <<I think...
by davebo
Mon Jan 16, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: IRS estimated payment - be careful of due date if paying online
Replies: 12
Views: 1566

Re: IRS estimated payment - be careful of due date if paying online

Funny you mention that because I literally just made a pymt and noticed the same thing. Lesson learned I guess, but probably not :)
by davebo
Mon Jan 16, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

I'll figure it out in greater detail, but these are some rough numbers off the top of my head. $270K gross income $40K towards retirement $75K towards savings $20K towards 529 plan $59K towards taxes $24K Mortgage $52K "Other" So I was quite a bit off on my original estimate, I'll have to...
by davebo
Mon Jan 16, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

Are you experienced with construction? What exactly are you adding that you estimate will cost $65k? Permitted construction in my area is about $300/ft for smaller jobs that require new footings and plumbing. A permitted 200-sqft bedroom w/bath would cost at least $65k in California and more like $...
by davebo
Mon Jan 16, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

Do you ever get to the point where you’re comfortable taking your foot off the pedal when it comes to retirement/college savings? […] Do you just "max" out retirement no matter what the max is? We still max out no matter what the max is because it saves on taxes. But we got to the point o...
by davebo
Mon Jan 16, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

Do you ever get to the point where you’re comfortable taking your foot off the pedal when it comes to retirement/college savings? […] Do you just "max" out retirement no matter what the max is? We still max out no matter what the max is because it saves on taxes. But we got to the point o...
by davebo
Mon Jan 16, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

OP, 1) How much do you save per year? 2) What is your annual expense? <<All in all, I COULD put in close to $50K/year into retirement.>> I believe the fundamental concept of "retirement" is flawed. It assumes continuous full-time employment until retirement age. This is not likely to happ...
by davebo
Mon Jan 16, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1499

Re: Balancing Retirement, College, and other "wants"

You are doing fine. You will get at least some of the $65 back when you eventually sell, though likely not all and if you sell 30 years from now maybe not much (but by then you are talking a total per year cost of $2000K). You are at least 10 years from the first flying the coop, and really maybe m...

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