Search found 694 matches

by davebo
Tue Feb 14, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3234

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: 228
Views: 14313

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: 4791

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: 3997

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: 3903

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: 3903

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: 3903

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: 1053

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: 1053

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: 1063

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: 2808

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: 1165

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: 1257

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: 1165

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: 1165

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: 1165

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: 1165

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: 1165

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: 1165

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...
by davebo
Mon Jan 16, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1165

Balancing Retirement, College, and other "wants"

I’m 38, married, with 3 kids (8 years old and twin 5 year olds) Retirement Savings: $485K Pension: Wife has 14 years into a state pension. If she works 30 years, it’ll payout at 66% of her highest 3 years of salary. College Savings: $94K Liquid: $175K Debt: Mortgage of $370K with PITI of $2300/month...
by davebo
Fri Jan 06, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5036

Re: Getting rid of mice

I loaded up on traps and am now ready for Round 2, so hopefully we can clear them out. I spoke with an exterminator who said that they just try to find common entry points, but basically just load up traps and come to check them. If they can find somewhere obvious, then I'd pay them for the service ...
by davebo
Fri Jan 06, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Architect Fees-Are these reasonable?
Replies: 4
Views: 832

Architect Fees-Are these reasonable?

We are looking at doing an addition and recently spoke with an architect. She said that a lot of architects do it as a percentage of construction costs, but she does it by the hour because it’s simpler. She estimated that Phase 1 (measuring, 2 design options and drawings, and meetings) will cost $2K...
by davebo
Fri Jan 06, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5036

Getting rid of mice

In each of the last few winters, we've had to set out some mouse traps and catch mice in our kitchen when the weather really gets cold. Usually I catch a couple and continue to set out a bunch of traps every night before it dies off and activity slows. This year, I saw one go under our stove and set...
by davebo
Wed Jan 04, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint vs. Vinyl Siding
Replies: 24
Views: 1284

Re: Exterior Paint vs. Vinyl Siding

I guess it depends on what kind of neighborhood you are in. Vinyl siding says "cheap" to me. It also says - I have permanently solved that problem and can spend my time and financial resources doing other things in the future. I've lived next to a vinyl house for 20 years. I can't tell fr...
by davebo
Wed Jan 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Sonicare ToothBrush
Replies: 35
Views: 3432

Re: Sonicare ToothBrush

I've had mine for at least 5 years and have only replaced the heads. I bought 2 more a couple years ago and use them with my kids, I think they are a gamechanger.
by davebo
Mon Jan 02, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13857

Re: How old is your vehicle?

My car is a 2007 Honda Accord with 120K miles on it, had it for almost 10 years. My wife drives a 2011 Honda odyssey with about 60k on it. I bought my car before we had kids and now have 3, so it's a little tight but hard to justify moving up to something bigger when it's paid off and runs great.
by davebo
Sun Jan 01, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Thoughts on this inverse living floor plan and building a home in general
Replies: 30
Views: 2349

Re: Thoughts on this inverse living floor plan and building a home in general

I wouldn't like the 2 bedrooms over the garage, but don't think you'd regret having 2 hang out areas down the line when you have kids. Having said that though, I personally do not like the idea of 2nd floor living. Unless if you on a beach and want to see over to the ocean, I think most people would...
by davebo
Wed Dec 28, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5166

Re: TV in the bedroom?

I grew up in a family that had a TV in all the bedrooms, kitchen, family room, and basement. I used to fall asleep and set the sleep timer. When I got married, my wife thought it was strange to have a TV in the bedroom or the kitchen but she relented and let me had one in the bedroom because I used ...
by davebo
Thu Dec 22, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 1715

Re: Honda Odyssey Value point

I have a 2011 Odyssey and took it in for the same issues mentioned here and it was covered under warranty. That would be the main thing I would check if I were to purchase an Odyssey. Other than that, it's been a great car and no other issues....have about 70k miles on it and smooth sailing.
by davebo
Wed Dec 21, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: Digital Photo backup
Replies: 10
Views: 1054

Re: Digital Photo backup

If I had to choose one, then I'd go with Google because it is easier to use and has that feature where you can search by "face" (which is also kinda weird at the same time). I have PRIME so I just use both for some extra backup. And actually, I pay extra to be able to have unlimited backup...
by davebo
Tue Nov 29, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Buying a Basketball Hoop
Replies: 11
Views: 824

Buying a Basketball Hoop

In some ways, I wish I didn’t have the benefit of online reviews because I would just make a decision quicker and move on with my life :) I’m looking around for a basketball hoop for my house that will be used by all my kids (ages 5, 6, and 8). At first, I was just going to do a portable one because...
by davebo
Tue Nov 22, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 3197

Re: Bowling alley in the basement

A bowling alley in the basement would never make sense to me personally. How often would you really want to bowl? I would rather have a little sports complex that included a basketball court, at least it can be multi-purpose.
by davebo
Tue Nov 22, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Karate/Taekwondo for an 8 year old?
Replies: 35
Views: 1983

Re: Karate/Taekwondo for an 8 year old?

OP, are you looking at this more as a way to teach your children self defense or a way to keep your children active after soccer? I would have just let him take a break, although I was not opposed to him trying something new during the break between sports. I think for me, the self defense would pr...
by davebo
Tue Nov 22, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Karate/Taekwondo for an 8 year old?
Replies: 35
Views: 1983

Karate/Taekwondo for an 8 year old?

Now that soccer has ended, my 8 year old son has recently been asking quite a bit about doing karate. We did a trial class at a school that is very close to our house and I wasn’t super impressed. Although he was really good with the kids, it’s VERY cramped and the pricing was $125/month for the fir...
by davebo
Sun Nov 06, 2016 10:46 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4720

Re: Gaming system for kids?

After a lot of back/forth, we bought my 8 year old son a WII-U. I was worried that he'd become obsessed with it and want to play all the time, but it hasn't been that bad. He plays maybe a few times a week for 20-30 minutes at a time. As long as you have some strict rules in place, I wouldn't worry ...
by davebo
Tue Oct 18, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2117

Re: What iPhone podcast application do you use?

I started using iCatcher back in 2009-2010 I think. When I got a new phone I just used the apple podcast app, but that just ended up crashing so much that I went back to iCatcher. So far, so good.
by davebo
Tue Oct 11, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Replace Fence Posts vs. Replacing Fence
Replies: 18
Views: 1388

Re: Replace Fence Posts vs. Replacing Fence

OP: I had a fence with a similar issue whereby several posts rotted and I did exactly what you are thinking - I just replaced the rotted poles and it bought me approximately another 8 years or so on the fence (before more poles and some cross-rails started rotting at which point I moved to vinyl). ...
by davebo
Tue Oct 11, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Replace Fence Posts vs. Replacing Fence
Replies: 18
Views: 1388

Replace Fence Posts vs. Replacing Fence

I have a cedar fence that is probably about 10 years old if I had to guess (installed before we moved in). I have a bunch of posts that are rotting and causing the fence to lean, so I got a quote to replace them. They estimated that I need to replace 13 posts at a price of $2200. I went out there an...
by davebo
Thu Oct 06, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Concurrently buy/sell house
Replies: 21
Views: 2052

Re: Concurrently buy/sell house

I'd sell first and find some short term rental. I think that would be the least stressful for you and you'd be able to take a little more time.

Plus for me, if I held onto my old house and bought first, I think I'd end up underbuying a little bit.
by davebo
Fri Sep 23, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 4007

Re: Would you buy this house in a flood zone? HELP!

Hello wise Bogleheads! We are looking at a house that is in a 100 year flood zone. FEMA said that it means that there is a 1% chance annually of a significant flood. The last time that this area flooded was 2009, and the township improved the drainage, and supposedly there has been no significant f...
by davebo
Thu Sep 15, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Amazon consumer review programs
Replies: 26
Views: 2204

Re: Amazon consumer review programs

What I don't understand is why they don't filter the review (kinda like Yelp). People HATE those reviews (including myself). You certainly can filter out the non-AVP reviews when looking at the reviews on a product. Amazon has never required that an item be purchased from them in order to review it...
by davebo
Thu Sep 15, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Amazon consumer review programs
Replies: 26
Views: 2204

Re: Amazon consumer review programs

Have you registered with and used any of the Amazon review programs? These are the websites where you register to receive free or discounted products in exchange for your review on Amazon? I believe that compensated reviews degrade the overall value of Amazon reviews, but I don't see them going awa...
by davebo
Wed Aug 10, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 2077

Re: Build New or Be Content With What We Have?

I probably am talking myself into building a little bit, but I do think there is some valid justification there. I guess I'm just comparing the 5 years here to my 7 years at my prior home. I didn't just walk around there with a list of stuff that I wanted/needed to get done. We basically walked in,...
by davebo
Wed Aug 10, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 2077

Re: Build New or Be Content With What We Have?

All in all, while your issues seem to add up and be annoying, none of them are dealbreakers. I suggest you start chipping away at few of them and you will feel better. When we got the roof replaced we just felt so much better. It was there hanging over us as something we'd have to do some day and n...
by davebo
Wed Aug 10, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 2077

Re: Build New or Be Content With What We Have?

The house has been stressing you out for some time, but you don't have to rush immediately into a change. Can you consider the alternatives (including the build on same lot and either rent or demolish the current house) for some months, until you are sure you understand the options? What about that...
by davebo
Tue Aug 09, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 3181

Re: How dangerous is Kids Gymnastics?

http://www.familiesafield.org/pdf/injury_page.pdf comes up on the first page of google searches - and matches what I remember...for injury rates, soccer is typically one of the highest. Injuries occur in all sports, but gymnastics in general has lower injury rates than soccer, baseball, basketball,...
by davebo
Mon Aug 08, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3816

Re: Experience Living in an Old House?

I used to live in a new construction and became somewhat enamored by old homes when I started watching This Old House. We were looking to buy in the section of town that consisted mostly of houses built in the late 1800's and early 1900's, but ended up going a bit on the fringes of town and got a ho...
by davebo
Mon Aug 08, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: AliExpress.com?
Replies: 7
Views: 732

Re: AliExpress.com?

Long shipping times and the strong possibility that the item will not match the description. I import products by the container from China and Alibaba/Aliexpress if full of scammers, but at least with Aliexpress you have some recourse since you pay with a CC.
by davebo
Mon Aug 08, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 3181

Re: How dangerous is Kids Gymnastics?

There was a study done over like a 30 year period that reported injuries from each HS sport. Pretty sure Ice Hockey, Gymnastics, and Football were the worst...and they were the worst by a long shot. Gymnastics had the most fatalities. So it's true that all sports have injuries, but chances are you'r...
by davebo
Mon Aug 08, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 2077

Re: Build New or Be Content With What We Have?

Remember, and not sure if already mentioned, a newly built home even slightly larger than your previous one will be reaccessed with a much higher tax rate. Also, the neighbor can't be that great,if your current home only appreciated less than 10% over 5 years. Are other home owners in your close by...

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