Search found 1143 matches

by wilked
Sat Jul 22, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 114
Views: 7450

Re: What's your personal savings rate?

Ours is right in line with most here, 40-50%
by wilked
Fri Jul 21, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13136

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

*3!4!/5! wrote:
I don't know why anyone is even pretending that shopping at Amazon is worth it any more. It's becoming increasingly irrelevant.

I agree. It will be interesting to see if Amazon still even exists in a few years
by wilked
Tue Jul 18, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 206
Views: 13919

Re: Buying house - Very important decision

Gufomel wrote:What are your concerns about re-sale value related to? The backyard, or something else?

I thought that was strange as well.

Why would you buy a house for a price that you cannot sell it for? By definition it would be an overpay - no?
by wilked
Tue Jul 11, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4909

Re: $1368 for new shocks/struts on '05 Corolla?

What part of the country are you in? If you are in heavily salted areas those bolts might not come off easily
by wilked
Mon Jul 10, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for and finance house move up
Replies: 64
Views: 3185

Re: How to save for and finance house move up

Pay off SL tomorrow. Absolutely no reason to carry 5% debt in your situation. I wouldn't pay the car prematurely. I think upgrading houses sounds like a fine decision. In fact I like your timeline, and would target next spring / summer. Better you do it now and enjoy it for the next twelve years. Yo...
by wilked
Mon Jul 10, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6393

Re: How much of an increase of salary would you expect before switching jobs?

To the original question: 10% if I didn't like my job 20-25% if I liked my job I am currently in the latter... Would need to be a real jump for me to make a move The biggest thing not mentioned is the 'uncertainty factor'. There are so many things you simply can't know until you start the job (comfo...
by wilked
Sun Jul 09, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 206
Views: 13919

Re: Buying house - Very important decision

I got absolutely killed for asking if I should buy a 260k home with a 150k income with 160k in cash with zero debt of any kind....so don't be surprised if everyone gives you a hard no here from what I can see people are being a lot nicer to you than me too lol not accurate you got feedback that wor...
by wilked
Sat Jul 08, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Financial check up/Am I ready to buy a house?
Replies: 12
Views: 853

Re: Financial check up/Am I ready to buy a house?

Day care- We are lucky enough and one of the reasons for staying in the HCOL area is that we have 2 sets of in laws that live fairly close by :D. I don't think the kids would actually go to a day care center. But between in laws and babysitter. I would say $1k a month. Another poster took the time ...
by wilked
Sat Jul 08, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Financial check up/Am I ready to buy a house?
Replies: 12
Views: 853

Re: Financial check up/Am I ready to buy a house?

crockpotinvesting wrote:Eventually, we'd like to have kids, fairly confident we will be in the area for the long haul. We have considered cost of kids/ cost of day care.

What is your estimate for daycare expenses for two kids?
by wilked
Sat Jul 08, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 931

Re: Help me with potential new job situation

Pretty simple if you only need a week or so - tell them you have a small family getaway for a few days and will respond to them when you return. I think you are worrying yourself over nothing that will happen. Any reasonable company can wait a week. If they can't wait a week, they better be presenti...
by wilked
Tue Jul 04, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13136

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

Two significant advantages with Amazon 1. Ratings - this is worth a lot to me. It isn't foolproof, but it puts you at a significant advantage as a customer / consumer. 2. Buying only what you intend to buy. If I need a gold glove for instance, I don't make the trek to a sports store or Target or whe...
by wilked
Mon Jun 26, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: Assess our possible new house purchase (update)
Replies: 23
Views: 1882

Re: Assess our possible new house purchase

In 4 years, for new construction, you will sell for $400k and clear $170k? That is amazing, must be serious appreciation going on in that area. I guess my question was to probe into why you've changed directions in such a short time and to encourage you to be certain you spent time to align as a fam...
by wilked
Sun Jun 25, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Assess our possible new house purchase (update)
Replies: 23
Views: 1882

Re: Assess our possible new house purchase

How long ago did you build your house, and why are you outgrowing a house you built?
by wilked
Sat Jun 24, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3597

Re: Worthwhile TV programming?

Worthwhile?

PBS Frontline best example of worthwhile TV programming I can think of l. Gold standard
by wilked
Tue Jun 20, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5226

Re: Insulating Walls - Worth it?

(Non)update: I contacted the company that originally did the energy assessment and let the guy know that the HOA said I cannot insulate from the outside, and wanted to know the cost of insulating from the inside walls. He said his company cannot insulate from the inside, as the company does not hav...
by wilked
Mon Jun 19, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4379

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

ram wrote:Replaced all plugs today. Replaced all the coils in the 3 back cylinders. (Cost about $800 including 250 labor). Daughter says that the shuddering is about 50% less.

Should get rid of the other 50% when you replace the other half of the coils
by wilked
Mon Jun 19, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5226

Re: Insulating Walls - Worth it?

So what happened...?
by wilked
Tue Jun 13, 2017 5:50 am
Forum: Personal Consumer Issues
Topic: How to backup Mini-DV tapes?
Replies: 10
Views: 842

Re: How to backup Mini-DV tapes?

Do you have a camcorder that plays them? Does the camcorder come with a cable (like FireWire)?

If you are truly starting from scratch then I would have them professionally converted. There are many services like that.
by wilked
Tue Jun 13, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 7360

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

I think there was a thread around here on how to answer that question in a way that benefits you. Most people don't realize they can shape this interaction to their advantage
by wilked
Mon Jun 12, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800k house in HCOL area (Boston area) ?
Replies: 42
Views: 4381

Re: Can we afford a 800k house in HCOL area (Boston area) ?

I live just outside of Boston. If you might have 2 kids, assume $4K per month for daycare. For one kid assume $3K. As others noted, for an $800K house assume close to $1K per month for taxes ($800 or so is probably the right number, but not a bad idea to round up). If you use $4400 as PITI (assume ...
by wilked
Mon Jun 12, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800k house in HCOL area (Boston area) ?
Replies: 42
Views: 4381

Re: Can we afford a 800k house in HCOL area (Boston area) ?

I live just outside of Boston. If you might have 2 kids, assume $4K per month for daycare. For one kid assume $3K. As others noted, for an $800K house assume close to $1K per month for taxes ($800 or so is probably the right number, but not a bad idea to round up). If you use $4400 as PITI (assume 2...
by wilked
Mon Jun 12, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5846

Re: Have you canceled cable?

by wilked
Wed Jun 07, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase budget advice
Replies: 20
Views: 1551

Re: Home purchase budget advice

Assets: Retirement (401K/ROTH): $609K Savings:$326K Taxable: $146K Debt: Car payment: $480/mo, $20K remaining on loan Current monthly info: Monthly gross: $11K Withholdings: $2,560 401K/mo: $1,500 Employee stock purchase plan (15% discount): $558 Non-housing expenses: $~5,100 (car payment, grocerie...
by wilked
Tue Jun 06, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6369

Re: I'm considering buying a house in the $800k range.. can I?

WhiteMaxima wrote:For 350k income, a house mortgage interest plus property tax deduction has huge tax benefit too.

He might consider getting a $1MM house then, increase the tax benefits!
by wilked
Tue Jun 06, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1629

Re: Traveling for 3 weeks

Don't cover toilets unless you want to come back to a mold-fest
by wilked
Tue Jun 06, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Broken Honda Accord key 2009
Replies: 11
Views: 898

Re: Broken Honda Accord key 2009

Hi, anyone have experience with a broken Honda Accord key? Trying to fix myself than go to dealer and get ripped off. Thanks! Is it this? https://acurazine.com/forums/attachments/third-generation-tl-2004-2008-93/18407d1389052488-success-honda-accord-style-key-fob-immobilizer-transfer-01.png You see...
by wilked
Tue Jun 06, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6369

Re: I'm considering buying a house in the $800k range.. can I?

Here's the thing. I expect to hit $1 million in about 2 years, maybe 3 (not including this potential purchase if I did buy it). You sure on that? Investment portfolio: $525,000 total, about 98% invested. Most of that is in stocks, lazy 3 fund portfolio (60% total US, 30% total intl, 10% US bonds) i...
by wilked
Tue Jun 06, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6369

Re: I'm considering buying a house in the $800k range.. can I?

You said you want to have kids soon... what is your expectation on daycare costs for two children?
by wilked
Tue Jun 06, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 40
Views: 5718

Re: Who really needs an umbrella insurance?

Agree with the others... it is about $0.50 a day for me to carry $1MM of umbrella insurance. Most likely I never use it and that is just fine with me...
by wilked
Mon Jun 05, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged by Starting Late
Replies: 21
Views: 3560

Re: Discouraged by Starting Late

I don't know a whole lot about your rental properties but from your one line of information it looks like a combined 3.3% cap rate on 800k worth of unlevered property. That would not be all that appealing to me unless you have some other reason for holding onto those properties. Also, for someone w...
by wilked
Mon Jun 05, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged by Starting Late
Replies: 21
Views: 3560

Re: Discouraged by Starting Late

Recently new boglehead here and at age 39, I am kicking myself for not starting earlier. I am at the cutoff age for a millennial born in 78 If it's any consolation, you're not a millennial :sharebeer As a near-peer the best term I have heard for us is Carter Babies http://www.agathahiggins.com/pres...
by wilked
Mon Jun 05, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to recover cost basis of Roth IRA?
Replies: 15
Views: 1272

Re: How to recover cost basis of Roth IRA?

OP, do you wish to discuss how pulling out $$ from a Roth for a downpayment is potentially a bad idea? You might learn later in life (as many of us feel) that Roth space is precious and to be protected / hoarded edit to add: your parents selected a Roth over a bank account for a reason (a good one i...
by wilked
Mon Jun 05, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Paying Off HELOC - Close Credit Line?
Replies: 9
Views: 879

Re: Paying Off HELOC - Close Credit Line?

Try and negotiate to remove the fee before you close. Talk with the loan officer
by wilked
Wed May 31, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5032

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

Yes - sell all stocks and invest in Miami condos. Just be sure no one else learns of this investment secret!
by wilked
Tue May 30, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: 27 years old, am I on the right track?
Replies: 13
Views: 1312

Re: 27 years old, am I on the right track?

I was offered this myself from University of New Mexico (MS Eng). I agree with the other poster, from my experience this is fairly common for engineering
by wilked
Tue May 30, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: 27 years old, am I on the right track?
Replies: 13
Views: 1312

Re: 27 years old, am I on the right track?

4) Finally, I'd like to invest in myself and go back for graduate school in a couple years. Is there a smart way to save for that expense? Or is it fine to just take out a loan? Thanks for reading :D , Zach What type of program? If it is in engineering and the sciences, you should get a tuition wai...
by wilked
Fri May 26, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5226

Re: Insulating Walls - Worth it?

Oh ya and a wall patch is an easy job. YouTube it if needed. Hopefully you have leftover paint to match
by wilked
Fri May 26, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5226

Re: Insulating Walls - Worth it?

What town in Mass? It does seem extremely unlikely that they could have built this town home in New England within the last 30 years and not have insulated it. Like almost unfathable unlikely MassSave used a FLIR (infrared) camera to make its assessment. These cameras rely on temperature difference ...
by wilked
Mon May 22, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: First house - penny wise?
Replies: 12
Views: 2753

Re: First house - penny wise?

Continuing to rent is not an option?
by wilked
Tue May 16, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3751

Re: How much to tip movers?

On my last move, from Los Angeles to Chicago, I had 30,000 pounds of "stuff". It took eleven movers 12 hours to load the van. I overheard them arguing with the moving van owner that they were being underpaid. It seems that the truck owner hires locals to do the actual lifting, they are no...
by wilked
Sat May 13, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1777

Re: Home Addition Costs

We did about 600 sq feet attic conversion with new bathroom (new plumbing all the way to basement). All in was about $60k, but I designed it, GCd it and electrical was parts only. It would have been close to $100k if I had used a GC and hired an electrician
by wilked
Sat May 13, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3751

Re: How much to tip movers?

For a small job like this, probably only $40 each
by wilked
Thu May 11, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1777

Re: Home Addition Costs

You live in IL, yes? If I understand it correctly the housing market is slow there, certainly at least compared to the other large cities. I ask as in booming markets all the trades are straight out. If I were you I would try to break costs out and figure out material costs. Electric Wallboard / Dry...
by wilked
Tue May 09, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying / Selling a Home at Same Time - Bridge Loan, etc
Replies: 7
Views: 504

Re: Buying / Selling a Home at Same Time - Bridge Loan, etc

Great ideas - thanks! I welcome any others as well
by wilked
Tue May 09, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying / Selling a Home at Same Time - Bridge Loan, etc
Replies: 7
Views: 504

Buying / Selling a Home at Same Time - Bridge Loan, etc

Parents-in-law have retired and are selling/buying right now. Currently have received an accepted offer on a fully-paid house, $550K (P&S to be signed within next week). Seller has agreed to be flexible through early Aug on closing They put an offer in today for $375K on a house, slightly under ...
by wilked
Sat May 06, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3483

Re: Swing Set 2700.00??

I just checked my local CL

Here is the one I would buy if doing it again

https://boston.craigslist.org/gbs/tag/6113934623.html
by wilked
Sat May 06, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3483

Re: Swing Set 2700.00??

The key for buying used - look for (and avoid) rotted wood. As long as the wood is solid you'll be fine
by wilked
Sat May 06, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3483

Re: Swing Set 2700.00??

Get it off craigslist. We did - got a $3000 set for $500. 2-3 hours disassembling it (label extremely well!) and 4 hours reassembling (with a friend in both cases).

Lastly was slapping on $50 of deck stain. Thing is like new now

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