Search found 939 matches

by wilked
Fri Feb 05, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 9872

Re: How to get a 200k+/year job?

The likeliest path is technical sales, but you have to have a knack for it

What type of engineering?
by wilked
Fri Feb 05, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: 45% of Income On Rent
Replies: 39
Views: 2633

Re: 45% of Income On Rent

OK, you can afford it, so long as nothing goes wrong / nothing unexpected comes up / etc etc The young college grad who makes $2000/month take home with $500 in recurring monthly expenses can afford an apartment up to $1500, but that doesn't mean he/she can afford it. Does your budget account for we...
by wilked
Fri Feb 05, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: 45% of Income On Rent
Replies: 39
Views: 2633

Re: 45% of Income On Rent

You seem the type that has a hard time making decisions (from the limited info you provided) You got three real options: 1) Just be roommates, not bf/gf. It will be awkward for a bit, but you are an adult (as well as she is), and can make it work 2) She pay 1/2 months rent to 'break the lease', move...
by wilked
Fri Feb 05, 2016 6:48 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 27
Views: 2493

Re: Reporter doing story on expense drop when kids go off to college

GauchoDad wrote:Our electricity bill is dramatically lower when our daughter is at school. Tends to leave EVERY light on when she's home for summer. However all gains are quickly offset by her Uber use around the campus.

I assume this means no led lighting?
by wilked
Mon Jan 25, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 5910

Re: Did the bears eat my retirement? - Sequence of Returns Risk

Our current AA is approaching 50/50. If the recent downturn has you on edge, this AA is too risky for you. You indicate you were in a position to retire - one of the quotes I like is 'once you win the game, stop playing'. Perhaps you need to dial back to 70/30 bonds/equities and rebuild to the posi...
by wilked
Wed Jan 06, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Housing Dilemma (Might want 4th BR with 3 kids)
Replies: 26
Views: 2525

Re: Housing Dilemma (Might want 4th BR with 3 kids)

health teacher wrote:I feel as if the housing is "around" a peak in my area (given median income, business growth, etc.) interests rates are "probably" as low as they are going to be moving forward.


You mean the same things they have been saying for 3-4 years now?
by wilked
Mon Jan 04, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4959

Re: Job Prospects for English Majors?

she's not interested in teaching

What is she interested in doing for employment?
by wilked
Fri Jan 01, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Housing Dilemma (Might want 4th BR with 3 kids)
Replies: 26
Views: 2525

Re: Housing Dilemma (Might want 4th BR with 3 kids)

Seems fairly obvious - have the kids share a bedroom. This has been the norm for hundreds of years, the idea of each child having his/her own bedroom is very recent Adding onto your home makes no sense given your situation and want to financial ease. Selling/buying a home, the same. Sacrificing the ...
by wilked
Fri Jan 01, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Keep Down Payment $$ for 6-18 months
Replies: 13
Views: 1205

Re: Where to Keep Down Payment $$ for 6-18 months

whatever you do, don't go for a CD since you might need it in 6 months. I remember home shopping, and you want that money fairly liquid.

Aim for between 1 and 1.5%, and find the best savings account that can hit that. Someone mentioned Ally, start there
by wilked
Sat Dec 19, 2015 7:44 am
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 3337

Re: Bought a 2009 Prius and now....

My brother in law is 6'3/4 and Fite in his Prius just fine, in fact I remember him choosing it as one of his reasons for purchase?
by wilked
Fri Dec 18, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 3813

Re: Need recommendations for 4WD/AWD vehicle

Sounds like you have your appointment already, but I would be looking at something like these in your neighborhood http://bend.craigslist.org/pts/5321682960.html http://bend.craigslist.org/wto/5331401083.html Nokian Hakkas or General Altima Arctic are great tires, of course match the tire size and b...
by wilked
Thu Nov 12, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Starting Salary
Replies: 31
Views: 3071

Re: Negotiating Starting Salary

Did no part of her MBA education cover negotiation? She should be well-primed for this I would think on her own?
by wilked
Fri Nov 06, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 5809

Re: In a Housing Bind...

The privacy thing - are you spending your days peering out the windows at your neighbors? Chances are you are not as exciting as you might think, my guess is the neighbors are not all that interested in tracking your movements. We can see one neighbors kitchen out our kitchen window, another's neigh...
by wilked
Thu Nov 05, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Home heat radiators
Replies: 11
Views: 763

Re: Home heat radiators

As others have noted, cast iron radiators are the bomb

Do a cost analysis, storage vs replacement. I would store them, nice to have a matching set for sure. Hire some laborers to move them, they are heavy!
by wilked
Thu Nov 05, 2015 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 5809

Re: In a Housing Bind...

Agree with everyone else, find reasons to make your situation work. Here is how to get natural light and privacy https://s-media-cache-ak0.pinimg.com/236x/b6/d2/12/b6d2124084e40d8b55d7e4f4301dddf7.jpg Add shades or blinds to account for those times you want darkness Have some conversations with thos...
by wilked
Tue Nov 03, 2015 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Year-end review of a 25 year old
Replies: 19
Views: 2383

Re: Year-end review of a 25 year old

I didn't mean to be rude. Good luck with the Vette purchase, I see now you are buying it a couple years old and sacrificing vs buying the new Stingray - didn't read closely enough the first time.
by wilked
Mon Nov 02, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end review of a 25 year old
Replies: 19
Views: 2383

Re: Year-end review of a 25 year old

25... Let's assume you graduated at 22.

New car
New Harley
New Rolex
Now a new Corvette?

How far is the nearest lake / body of water, as I have a guess as to the next purchase in a year
by wilked
Mon Nov 02, 2015 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Too many trips to Goodwill this year
Replies: 51
Views: 6161

Re: Too many trips to Goodwill this year

You paid $1000 for multiple suits and then donated them?
by wilked
Sun Nov 01, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Job Scenario Need Insights
Replies: 14
Views: 868

Re: Job Scenario Need Insights

How old? Kids?
by wilked
Thu Oct 29, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home Affordability Sanity Check
Replies: 14
Views: 1826

Re: Home Affordability Sanity Check

So you have $250K available as a downpayment and $120K in home equity, and are seeking to buy a home for $450K on ~$120K gross salary Yes, you are fine financially to do so. As others have noted, I wouldn't get a mortgage for more than 2xgross (ie $240K, so put down ~$200K on the new house). That wi...
by wilked
Mon Oct 19, 2015 1:55 am
Forum: Personal Finance (Not Investing)
Topic: HELOC draw period ending - HELP!
Replies: 101
Views: 5626

Re: HELOC draw period ending - HELP!

Sounds like you already had your answers before posting?
by wilked
Sun Oct 18, 2015 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing mom's 403b
Replies: 4
Views: 408

Re: Optimizing mom's 403b

Car payment = mortgage payment?
by wilked
Sun Oct 18, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC draw period ending - HELP!
Replies: 101
Views: 5626

Re: HELOC draw period ending - HELP!

Agree with all of the others, sell the rental
by wilked
Sat Oct 17, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance - when to buy or not buy what?
Replies: 28
Views: 1797

Re: Rental car insurance - when to buy or not buy what?

Can someone expand on the Amex coverage? When do you pay that $20?
by wilked
Sat Oct 03, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Where in the U.S. can I buy a house for under $250k that's a nice place to live?
Replies: 152
Views: 15905

Re: Where in the U.S. can I buy a house for under $250k that's a nice place to live?

Choosing a location based on a crystal ball of house appreciation is misguided at best. No one knows the future. LBYM, for you probably don't invest in direct real estate in your situation (i.e. become a future landlord)
by wilked
Thu Oct 01, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: How to sell an old car?
Replies: 55
Views: 3215

Re: How to sell an old car?

Another option not mentioned is ebay If you list it on craigslist or ebay, I encourage you to document everything (photos) well, and to take a video of it and share that also. If CL, make it clear in the posting that price is non-negotiable and you are seeking serious bidders only Obviously donating...
by wilked
Sat Sep 26, 2015 1:58 am
Forum: Personal Consumer Issues
Topic: Water leak
Replies: 11
Views: 1035

Re: Water leak

As others have said, need to systematically use your shutoff valves and watch the meter
by wilked
Sat Sep 26, 2015 1:55 am
Forum: Investing - Theory, News & General
Topic: Let's Discuss COKE's rise in the last year.
Replies: 10
Views: 1240

Re: Let's Discuss COKE's rise in the last year.

If KO suddenly tripled in a years time, now that would be an interesting thread for sure!
by wilked
Sat Sep 26, 2015 1:51 am
Forum: Personal Consumer Issues
Topic: PLEASE, help me choose between 4 wood floors
Replies: 35
Views: 2908

Re: PLEASE, help me choose between 4 wood floors

Previous owner had a big dog, we have oak floors, and they look great.

I would get a few more quotes for oak
by wilked
Sat Sep 26, 2015 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Men vs. Women - Spending vs. Saving
Replies: 28
Views: 2327

Re: Men vs. Women - Spending vs. Saving

I was actually expecting the opposite analysis. I find woman to be more frugal in general
by wilked
Fri Sep 25, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: refinancing $120k student loan: cash out home equity?
Replies: 22
Views: 1918

Re: refinancing $120k student loan: cash out home equity?

What is the advantage of paying down the SL as soon as possible? Wouldn't it be more financially advantageous if I put that money into investments that yield > 7% return? You guys are right. I'll have the talk with my wife about death and divorce soon :T Does the guy offering you these >7% guarante...
by wilked
Fri Sep 25, 2015 4:51 am
Forum: Personal Consumer Issues
Topic: Recommend entertaining books about businesses
Replies: 20
Views: 1242

Re: Recommend entertaining books about businesses

Steve723 wrote:"Barbarians at the Gate" is a classic. Very entertaining with some real characters.

Great book
by wilked
Fri Sep 25, 2015 4:36 am
Forum: Personal Finance (Not Investing)
Topic: refinancing $120k student loan: cash out home equity?
Replies: 22
Views: 1918

Re: refinancing $120k student loan: cash out home equity?

If you can afford it, I would refi into a 5 year payout. There is a hidden silver lining, forced discipline. After 5 years you now have become accustomed to saving $30k/yr, and could immediately turn that into auto-deduct into taxable savings / max retirement savings / etx
by wilked
Thu Sep 24, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 122
Views: 6700

Re: Talk me out of 4500 purchase [Camera]

I live in greater Boston, know a handful of people who are BU Photography masters graduates. Even the guy who is published in many wedding magazines, etc is struggling to get off the ground after 3 years. To say it is easy and this is a good market is not accurate I don't think. I do amateur photogr...
by wilked
Thu Sep 24, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 122
Views: 6700

Re: Talk me out of 4500 purchase [Camera]

Here's the 3 50mm lenses next to each other (1.8/1.4/1.2)

Image
by wilked
Wed Sep 23, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 122
Views: 6700

Re: Talk me out of 4500 purchase

Here at Bogleheads, what you say in the past will come back to haunt you later. :D Unless things have changed dramatically since April 2015, spending half your net worth on a camera lens is pretty crazy. To keep it short and to the point, I have $6600 to my name right now. My overhead is only $500....
by wilked
Mon Sep 21, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: VW/Audi Diesel Recall
Replies: 118
Views: 8378

Re: VW/Audi Diesel Recall

Angst wrote:Is it true, the rumor I heard that Bill Belichick has a twin brother working at VW corporate?

ever consider stand-up?
by wilked
Mon Sep 21, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Jetta Sportwagon TDI (Diesel)
Replies: 102
Views: 24116

Re: Volkswagen Jetta Sportwagon TDI (Diesel)

We were getting ready to buy one in the next 6 months, but looks like I will be getting an Outback instead
by wilked
Mon Sep 21, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Jetta Sportwagon TDI (Diesel)
Replies: 102
Views: 24116

Re: Volkswagen Jetta Sportwagon TDI (Diesel)

http://www.nytimes.com/2015/09/22/business/international/volkswagen-shares-recall.html?_r=0 Volkswagen executives finally made a startling admission: The diesels it sold in the United States had software deliberately designed to cheat on the tests. The company was evidently concerned that actually m...
by wilked
Wed Sep 16, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Buying a car in chicago
Replies: 17
Views: 1192

Re: Buying a car in chicago

Go to edmunds.com for preparation once she knows which car she wants. Plenty of material there to prepare oneself. As long as you are prepared you will not get taken advantage of, so long as you follow the rule that you walk immediately should they attempt to take advantage of you.
by wilked
Tue Sep 08, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Features for a new toilet
Replies: 33
Views: 2962

Re: Features for a new toilet

I agree with the others, get a Toto
by wilked
Fri Sep 04, 2015 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Storm water: Township dragging feet
Replies: 7
Views: 875

Re: Storm water: Township dragging feet

I bought property where there has been no drainage on entire street. Due to slope of the road, storm water during heavy rain floods property driveway as well as basement. I bought this to township attention and they seems to be dragging feet indicating that they are aware of the issue but that's wa...
by wilked
Wed Sep 02, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Any advice on smallish repipe job
Replies: 15
Views: 1237

Re: Any advice on smallish repipe job

agree with the others, use PEX
by wilked
Mon Aug 31, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 5901

Re: Tire rotation

flyingaway wrote:I never have my tires rotated, unless it is free. I would rather use the money to buy new tires. A new tire is better than a rotated tire. Besides, most of my tires were replaced due to road hazards.


Could also save money on oil changes by simply allocating those dollars for a replacement engine...
by wilked
Thu Aug 27, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 5901

Re: Tire rotation

Please, please rotate your tires. Easy way to keep everyone in the car safe
by wilked
Fri Aug 21, 2015 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Comparison Shopping Homeowner's Insurance
Replies: 8
Views: 1206

Re: Comparison Shopping Homeowner's Insurance

Ask your coworkers who they use, pick 3 of the most common names you here, then make phone calls. Should take you less than an hour to get quotes
by wilked
Thu Aug 20, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: Must buy leftover oil at home closing in NY?
Replies: 7
Views: 892

Re: Must buy leftover oil at home closing in NY?

A full oil tank might be $1000. Not exactly toilet paper.

Op, if you were selling the house would you be willing to give the buyers $1000 as good will?
by wilked
Thu Aug 20, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: Attic Fan & Noise Ordinance
Replies: 35
Views: 2873

Re: Attic Fan & Noise Ordinance

I agree with the others, let your neighbor do it a favor and don't use the attic fan, it is highly likely doing more harm than good
by wilked
Mon Aug 17, 2015 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 1487

Re: Sacramento Real Estate Market

The obvious solution hasn't been discussed I would definitely plan to rent for two years. Spend two years learning the area, seeing which cities / towns you like, then re-evaluate what you should do. I would never advise someone to buy in an area they do not already live, too big a decision to base ...
by wilked
Fri Aug 14, 2015 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Strategies for Upper Middle Class
Replies: 11
Views: 1722

Re: Life Insurance Strategies for Upper Middle Class

I agree with this advice, but note that "affluent" people aren't going to exceed the estate limits. You are undoubtedly well into the top 1% in wealth if you exceed the estate limits. In New Jersey, an estate above $675,000 is subject to Estate Tax. An estate of any amount is subject to I...

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