Search found 1073 matches

by wilked
Wed Feb 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 3569

Re: Negotiate lowball offer? (new job)

I worked through a temp agency at a small company out here in the East, starting out at 42,300/yr and after 5 months my employer decided to hire me on permanent. . . If I was looking for a new job, I could easily get 52k and as high as 68k with the right fit. Something doesn't add up You could easi...
by wilked
Mon Feb 20, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Bluetooth Transmitter
Replies: 4
Views: 485

Re: Bluetooth Transmitter

My parents have this one, works great

https://www.amazon.com/gp/aw/d/B01KO1JN ... ref=plSrch
by wilked
Sat Feb 18, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2092

Re: Windshield repair gone wrong....

I would hold out for a new car
by wilked
Mon Feb 13, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2929

Re: BH thoughts on housing crash

If you are talking about moving to a house in a better area there are two (basic) scenarios: 1. Bull market - You sell your house and turn a profit (great news!) but now have to purchase a new house that has undergone significant recent appreciation (bad news!) 2. Bear market (post-crash) - You sell...
by wilked
Thu Feb 09, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3688

Re: Plumbing issue - advice sought

Process of elimination: 1. Stop using tub shower and sink for one week. Use only toilet. If leak reoccurs, problem is toilet, either at supply or wax ring. If no leak... 2. Stop using toilet and tub shower for one week. Use sink only. If leak reoccurs, problem is sink, either at supply or drain. If...
by wilked
Tue Feb 07, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford?
Replies: 19
Views: 1647

Re: How Much House Can I Afford?

My advice - wait until your husband finishes school and gets this salary bump to look. Advantages: -If he is in school likely very busy. Finding/buying a new home, and moving, etc consumes a lot of time -While you may think the salary jump is 'assumed', I would wait until it is real and then make yo...
by wilked
Tue Feb 07, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5286

Re: Hardwood floors vs Wood Look Tile?

Have you considered cork?
by wilked
Sat Feb 04, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase downpayment sourcing
Replies: 14
Views: 1204

Re: Home Purchase downpayment sourcing

You didn't write your motivation for buying a house - what is prompting the change ?
by wilked
Sat Jan 28, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2550

Re: Fire extinguishers

one per floor (so 4)

Kitchen, top of basement stairs, 2nd floor linen closet, and 3rd floor hallway

Hopefully never need it, but I sure won't sweat the $20/exchanger if that time does come
by wilked
Fri Jan 27, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with short term savings
Replies: 14
Views: 1369

Re: Help with short term savings

Here's a nice 3% CD

https://www.fatwallet.com/forums/finance/1552858

If I were you this is the option I would select
by wilked
Thu Jan 26, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2405

Re: 75 gallon hot water heaters

With 4 people taking showers within 15-minutes of each other, my 50-gallon electric water heater just could not handle it unless I turned the thermostat up very high. I installed an 80-gallon water heater a few years ago, before the new regulations. Switch to low-flow shower heads. +1 The new low-f...
by wilked
Thu Jan 26, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 66
Views: 4611

Re: Help, please, on new salary negotiations

All, I know that 'he who gives the first number' is an overgeneralization and not always true (as I said right after I wrote that). In most cases I do think it's true though, and especially in this case where he is being recruited. To the poster who linked study showing that those that gave a number...
by wilked
Thu Jan 26, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 66
Views: 4611

Re: Help, please, on new salary negotiations

I had no idea speechwriters can make $180K :shock: Then again I really don't know anything about speechwriting. It would seem reasonable that it's the type of job you could work remotely for some portion of your workweek, so I don't think you'll have an issue there. Beyond that, I would just say tha...
by wilked
Thu Jan 26, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2405

Re: 75 gallon hot water heaters

The first question would be why you are using so much hot water? That is probably costing you a decent sum - I would focus my energy (pun intended) there
by wilked
Thu Jan 26, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 66
Views: 4611

Re: Help, please, on new salary negotiations

He who gives the first number, loses Now, that is not really true and a very basic way of negotiating, but I think in general you are better to wait for his number. You found a middle ground on remote/office working (or at least are close). You seem to know the benefits, how could you not have a pro...
by wilked
Tue Jan 24, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan for downpayment
Replies: 15
Views: 1330

Re: 401k loan for downpayment

Your $70k from sale is an estimate. Could be $50, could be $90. Hard to count on it too precisely though. You shouldn't draw your liquid funds down to $5k premove, that would be a mistake. I would consider up to $25k from 401k, but wouldn't do more than that. Another good alternative is to investiga...
by wilked
Tue Jan 24, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)
Replies: 37
Views: 1560

Re: My employer only matches 5% of my salary in my company 401k

See if you can talk them into lowering your salary 10% and changing the match to 15%
by wilked
Tue Jan 24, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for downpayment
Replies: 15
Views: 1330

Re: 401k loan for downpayment

Add some numbers and I can give better advice:

-rough purchase price of house
-liquid savings (including, but separated, emergency)
by wilked
Fri Jan 20, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with short term savings
Replies: 14
Views: 1369

Re: Help with short term savings

How long do you expect this money to last? Let's say you will spend it at $2k per month, say it's $40k, 20 months at 1% interest is $400 or so (ballpark). The same at 0.25% is maybe $100. Point being, I wouldn't spend all that much time trying to maximize it, you'd be better served putting that effo...
by wilked
Fri Jan 20, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5772

Re: East Coast And Work/Life Balance

an_asker wrote:
HomerJ wrote:
biscuit wrote:We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas).


Why do you guys move so much?

Maybe a job that requires husband to move?

Why wouldn't it be the wife's job that causes them to move?
by wilked
Fri Jan 20, 2017 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2347

Re: Trying to get on track

Either a mistake or a troll post. I am leaning toward the former

If I had seen a line item for drugs at $500 per month I would have changed to the latter
by wilked
Tue Jan 17, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5203

Re: Home renovation funding

Do you have your money spent arranged by buckets to share? Would be interested to see. I.e. Plumber - $7200 Electrician - $4500 Etc I do have this info. Any other specific buckets you are interested in? Basically I was hoping for them all, maybe every bucket > $1-3k? Plumbing Electrical GC Drywall ...
by wilked
Mon Jan 16, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 1012

Re: Heavy duty cordless drill/hammerdrill recommendation

keith6014 wrote:strongly recommend Milwaukee.
go for the m12.
heavy duty, go for the brushless
absolute beast

Agreed
by wilked
Mon Jan 16, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3266

Re: Value of House in Planning for Retirement

bloom2708 wrote:OP, how do you get from $480k in debt to $50k in the next 9 years on the mortgage / HELOC?

This is what I was wondering. If the OP can save $5k /month in addition to the mortgage note, and noting his/her starting point, he/she will have no issue with retirement.
by wilked
Sun Jan 15, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5203

Re: Home renovation funding

I just ran into this thread when looking for another, and thought I should close the loop now that my project is done. Bottom line: project completed slightly ahead of budget, slightly but not consequentially behind schedule. Market held up to expectations (maybe a bit better). Project took more of...
by wilked
Tue Jan 10, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12868

Re: I'll never save a 20% down payment. Rent for life?

jimb, I hear what you are saying. We are on the same page there. The thing with paying rent though is it is the same number every month. Boiler breaks? Same number. Roof leaks? Same number. You know as well I do it is not the case when owning a home, and if you don't have savings when the roof leaks...
by wilked
Tue Jan 10, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12868

Re: I'll never save a 20% down payment. Rent for life?

If they're able to pay more for rent than it will cost to live in the home with a smaller down payment and paying PMI, that's proof enough that they can afford it If home ownership only equaled PITI that might be true. Unfortunately there's the M and the U part as well (maintenance and upkeep), the...
by wilked
Tue Jan 10, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 3626

Re: What would you do with $30k at 30 years old?

Around that age I had $30K clear after doing an overseas assignment (3 months, 14 hr days, 6 days a week, and hazard pay). I put every penny into a Taxable account, one fund (Total Stock Market with Vanguard). 5 years later I used it to buy a house and it was a significant part of my downpayment. So...
by wilked
Tue Jan 10, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 829

Re: DIY Backcountry Hunting Pack

I wouldn't skimp on the backpack. Get a kifaru or a stone glacier... if this is something you might do a few times it will be well worth it. Trying for a DIY solution on the pack is penny-wise pound-foolish.
by wilked
Tue Jan 10, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12868

Re: I'll never save a 20% down payment. Rent for life?

The thing about the 20% is that it 'proves' you can save. Yes, you can buy a home without it, yes, it has worked well for many. In the end there is nothing like 'proof' of one's ability to save though. Through demonstrated proof of that you can greatly increase your confidence that once you own the ...
by wilked
Thu Jan 05, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7158

Re: 500K milestone celebration

CoAndy wrote:
Streptococcus wrote:
weedf16 wrote:Job well done! Just curious, what was your starting number in 2013?

:sharebeer

Around 50K, our efund.
Wow! From 50k to 500k in about 3.5 years? Awesome! :beer

$12K/month (ignoring growth!)

Some serious savings, nice work
by wilked
Mon Jan 02, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of upgrading primary residence, do you recommend?
Replies: 29
Views: 2169

Re: Thinking of upgrading primary residence, do you recommend?

By he way nice job getting over $1MM at that age / salary
by wilked
Mon Jan 02, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of upgrading primary residence, do you recommend?
Replies: 29
Views: 2169

Re: Thinking of upgrading primary residence, do you recommend?

Agreed, income doesn't support new mortgage comfortably

You are 10 years from being at a point you can "downsize". I would sell yourself / wife on living below means for those 10 years, set yourself up for a nice retirement, and get (smaller) home of dreams then.
by wilked
Tue Dec 27, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12868

Re: I'll never save a 20% down payment. Rent for life?

Your best move would be to increase income. If you gave some more info perhaps we could offer advice for that?
by wilked
Tue Dec 27, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2092

Re: Cutting Trees in the Back Yard

you set the problem up so that there's only one answer.

Go with pros
by wilked
Thu Dec 22, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Three Season Flooring Choices
Replies: 3
Views: 469

Re: Three Season Flooring Choices

I wouldn't use tongue / groove for those extreme temperatures, too much growth / shrinking I also wouldn't use hardwood, mainly because it's expensive and 3 season doesn't offer enough protection for the $$ spent I would use a vinyl floor. The new vinyl wood product looks very nice, is extremely dur...
by wilked
Tue Dec 20, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Triggers for purchasing a home - what would you do?
Replies: 13
Views: 1905

Re: Triggers for purchasing a home - what would you do?

With the following assumptions: A) you will stay at least 10 years once you purchase she a home B) you will not likely move when your child is a few years from graduating high school C) you are not likely to rent forever It seems to me that you are best served buying sooner than later. That is becau...
by wilked
Mon Dec 12, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 83
Views: 12211

Re: Age to Take Social Security: The Ideal and the Reality

We took it at 62, now in our midsixties, and never looked back. That's well into the six figures that would have had to come from somewhere. For others, let's say the market has a significant drop in the early retirement years and you had to pull from it, there might be some pain in it for you. No ...
by wilked
Fri Dec 09, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2324

Re: HELP: salary negotiation

TRC wrote:I took a negotiation class with the FBI's #1 hostage negotiatior. His "go to question" for all negogotioans is to say the following: "how am I supposed to do that?"

Maybe I am missing something but how does this apply in this context?
by wilked
Thu Dec 01, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 40
Views: 2782

Re: another New York rental question

Where does she live right now? Santa Barbara, CA. she pays 2500 dollars/month rent. This is what I suspected. She should sublet for 3-6 months, learn the city, and only then commit to a place. Most importantly is that you can't get a good deal from afar, good deals last less than a week and you nee...
by wilked
Thu Dec 01, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 40
Views: 2782

Re: another New York rental question

Where does she live right now?
by wilked
Tue Nov 29, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: DIY Wills - Who to use?
Replies: 24
Views: 1978

Re: DIY Wills - Who to use?

A couple options on the cheap: -Some companies offer a legal service for cheap (check your benefits). Use the legal service for a year or whatever minimum you can, then cancel -Here's what I did - I used Nolo software to create a will. It spit out a pdf for me. I then used text recognition, copied/p...
by wilked
Fri Nov 25, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: OK for me to retire in early 2017?
Replies: 14
Views: 3852

Re: OK for me to retire in early 2017?

I think you're fine. If your wife works 1-2 more years than it's only 2ish years of 'gap' to bridge before SS kicks in. As others noted, I would tighten the belt a little for those two years though to not overdraw savings, at which point you should be fine
by wilked
Tue Nov 22, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: A nice little windfall
Replies: 24
Views: 3902

Re: A nice little windfall

I agree with the others, pay off the credit cards. Use the delta for an emergency fund
by wilked
Tue Nov 22, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Replacement Sofa Cushions
Replies: 14
Views: 1272

Re: Replacement Sofa Cushions

Where was the sofa purchased from?

When looking at these replacement cushions, what % of the original purchase price are they?
by wilked
Tue Nov 22, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check Figures: Affording $1M Home
Replies: 81
Views: 7140

Re: Double Check Figures: Affording $1M Home

I didn't read all the responses...but a very basic question is - Why now? You guys have a house, it's two of you...stay put for now. You say you want kids in the future - have one and see where you are at. Get him/her into daycare (or maybe you decide to have a parent stay home and raise the child)....
by wilked
Tue Nov 22, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old and planning for a lifetime ahead!
Replies: 6
Views: 1158

Re: 26 years old and planning for a lifetime ahead!

How are you paying for the wedding?
by wilked
Mon Nov 21, 2016 5:56 am
Forum: Personal Consumer Issues
Topic: cheap hotels in NYC
Replies: 35
Views: 2748

Re: cheap hotels in NYC

Save the money, take the couch
by wilked
Mon Nov 14, 2016 12:16 am
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 4004

Re: Drain Cleaner or Plumber for slow drains?

Taylor, slow drainage often has to do with tree roots getting into the drain pipe. To use chemicals would not only be environmentally dangerous but wouldn't have a lasting effect as roots would eventually regrow. I would recommend a plumber look at your pipes. Before you waste $100-$200... This wou...
by wilked
Thu Nov 03, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Buying Condo in NYC
Replies: 18
Views: 2643

Re: Considering Buying Condo in NYC

What happens with the mortgage if you leave the firm? How large is your emergency fund? How reliable is your income? Unrelated - Based on your age, I assume you only recently graduated law school. How did you manage to become debt free in such a short time? I have a 6 month emergency fund. In terms...

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