Search found 1159 matches

by wilked
Fri Sep 22, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4147

Re: Uplifted Driveway = No Home Owners Policy ?!

Sooner or later that tree has to be removed and you will need to repair your driveway. If it were me I would do it now (assuming you have the funds)
by wilked
Mon Sep 11, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4055

Re: What do you do in slow travels?

As others said, just live... What would you do if you were at home? Do you enjoy walking? Then walk. Hiking, biking? Do that. Are you a foodie? Go try local cuisine, take a cooking class with local ingredients. Learn the language, try going the day with speaking as little English as you can. Make fr...
by wilked
Mon Sep 11, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3297

Re: Should I do 20 or 25 Year Term Life Insurance?

I went an alternative route. I put the money I would have spent on term life policies in 529 plans and stock market index funds. Much cheaper, no "term" limits and bigger benefits should my family ever need it which the odds say they won't. This is silly and makes little to no sense. What happens i...
by wilked
Wed Sep 06, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1134

Re: Locking hub nuts on a vehicle - worth having?

I know a lot of people, myself included, who have had their 'keyed' lugs strip / break. I will never use them again. If I lived in an area where wheels were often stolen I would do one of two things:

1. Move
2. But a set of steel wheels, install them until I could do #1
by wilked
Tue Sep 05, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Installing Recessed lighting? Suggestions and cost?
Replies: 7
Views: 581

Re: Installing Recessed lighting? Suggestions and cost?

We are installing some recessed lighting to a somewhat dark room. Just 4 lights about 8' apart from each other. Since I have no idea how much duct work is around the area, can someone give me some insight as to how much this should cost? As we are almost done painting the room I see it as an opport...
by wilked
Tue Sep 05, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Installing Recessed lighting? Suggestions and cost?
Replies: 7
Views: 581

Re: Installing Recessed lighting? Suggestions and cost?

We are installing some recessed lighting to a somewhat dark room. Just 4 lights about 8' apart from each other. Since I have no idea how much duct work is around the area, can someone give me some insight as to how much this should cost? As we are almost done painting the room I see it as an opport...
by wilked
Tue Aug 29, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4331

Re: Exhaust Fan for the bathroom

I am having my bathroom painted. he painter said that the spots of mildew are because the exhaust is not powerful enough to suck up the moisture, and said that I should get it replaced. Any suggestions on what to go with? House is about 20 years old. And is it easy to install this, or should I call...
by wilked
Mon Aug 28, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: suggestion on buying our first home
Replies: 31
Views: 2492

Re: suggestion on buying our first home

I think OP is given too much personal info here. If there are no intentional obfuscation of the background materials, it is not too difficult for people to find out his identity. Which personal info are you worried about? Their monthly utilities? I think people worry a little too much about staying...
by wilked
Sun Aug 27, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: suggestion on buying our first home
Replies: 31
Views: 2492

Re: suggestion on buying our first home

Greeting from a newbie to Bogleheads! I have checked similar threads, but still want to ask for suggestion for my first house. Our parameters: My wife and I are 28-year old. Both of us just finished our PhD from Illinois (cheers!) and started our new job as university faculty in Utah. Both of us ar...
by wilked
Thu Aug 17, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4329

Re: Toyota Camry Repair Priorities

3M 39008 Headlight Lens Restoration System https://www.amazon.com/dp/B001AIZ5HY/
by wilked
Wed Aug 16, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4329

Re: Toyota Camry Repair Priorities

I used the 3M kit on an older Maxima - worked great and was just as clear for years
by wilked
Fri Aug 11, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3150

Re: Feeling guilty about travel expenses

Dis you do a search?

It's a common topic

Here's one extensive thread on it
viewtopic.php?t=195777
by wilked
Fri Aug 11, 2017 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1442

Re: Buying a house as a student

I am currently in professional school(Pharmacy) with 3 years left until I graduate. I am currently renting an apartment that is $850 a month. I do not like paying for something that I am gaining zero equity in and have zero chance of ever gaining back in the future. You prefer renting 'money' (i.e....
by wilked
Wed Aug 09, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4329

Re: Toyota Camry Repair Priorities

Replaced now: 8) Battery 11) Left side marker & license lights (no need to get pulled over unnecessarily) Otherwise I would replace nothing else, drive it til it doesn't start, and start planning immediately for a replacement. Too many things wrong to put money into this car. In particular the white...
by wilked
Thu Jul 27, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3855

Re: Follow up on wifi thermostat

I can recommend the Sensi. Made by Emerson who is a leader in industry for measurement instruments
by wilked
Sat Jul 22, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11698

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: 14166

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: 228
Views: 19461

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: 5636

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: 3556

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: 6962

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: 228
Views: 19461

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: 903

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: 903

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: 1035

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: 14166

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: 2016

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: 2016

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: 3884

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: 5583

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: 66
Views: 5796

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: 5583

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: 972

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: 8008

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: 4669

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: 4669

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: 6568

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: 1674

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: 6886

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: 1716

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: 1068

Re: Broken Honda Accord key 2009

BashDash wrote: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/attachment ... fer-01.png

You see that screw? You can remove the rest of the broken key there. Have a locksmith make a duplicate of your spare, and then screw in the replacement.
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: 6886

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: 6886

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: 6066

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: 3799

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: 3799

Re: Discouraged by Starting Late

chhill121 wrote: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/president- ... e-we-puke/
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: 1442

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: 953

Re: Paying Off HELOC - Close Credit Line?

Try and negotiate to remove the fee before you close. Talk with the loan officer