Search found 1052 matches

by wilked
Tue Jan 17, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 50
Views: 4892

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: 921

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: 3009

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: 50
Views: 4892

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: 12589

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: 12589

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: 3446

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: 771

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: 12589

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: 6989

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: 2080

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: 2080

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: 12589

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: 2046

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: 444

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: 1857

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: 86
Views: 11999

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: 2262

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: 39
Views: 2418

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: 39
Views: 2418

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: 1920

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: 3832

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: 3843

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: 1231

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: 7040

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: 1123

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: 2662

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: 3903

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: 2593

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...
by wilked
Tue Nov 01, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Used Car Buying Help
Replies: 26
Views: 2767

Re: Used Car Buying Help

I took a quick look, 14 cars on Craigslist (mostly dealers) for 2013 Civic < 60,000 miles, <$12K So you will have plenty of options in that price range. They key is not to focus so much on saving $1000 but to get the right car. If it's me I look to get the highest trim line (EX in this case, right?)...
by wilked
Tue Nov 01, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3525

Re: I am about to buy my first home, anything I should look out for?

We had the inspection and it being an older house it did turn up a bunch of stuff. We are not going to ask for petty stuff like strike plates needing fixing, some flashing is missing and other small things like a loose faucet and a loose closet hinge, but we want to ask for stuff like the attic ins...
by wilked
Sat Oct 29, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Dental insurance doesn't pay full for porcelain crown
Replies: 14
Views: 1758

Re: Dental insurance doesn't pay full for porcelain crown

sawhorse wrote:If you want to go outside insurance, I recommend a dental school if there is one near you. The student messed up on one and it fell out a few days later, then the replacement fell out too. :D

quite the sales pitch! :D :sharebeer
by wilked
Sat Oct 29, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Which New Thermostat?
Replies: 15
Views: 1785

Re: Which New Thermostat?

I've had the Nest and the Ecobee.....get the Ecobee3. If the remote room sensor is not useful, get the Ecobee3 Lite. I have the older ecobee SI....I just learned about the Lite from this thread....a Hannukah present I think. why would he get the Ecobee when it is not compatible with a 2 wire system?
by wilked
Fri Oct 28, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Which New Thermostat?
Replies: 15
Views: 1785

Re: Which New Thermostat?

I use Sensi thermostat. They say it works with 9 out of 10 homes. It is programmable and has wifi + free app to remotely monitor and control. It can be set to manual or pre-programmed schedules in case you change you mind later. Also, it can run on battery too. And customer support was very helpful...
by wilked
Thu Oct 27, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3525

Re: I am about to buy my first home, anything I should look out for?

Here is what I did: I worked closely with a local bank, good rate, pre-appraisal, etc. The moment I had a signed P&S I shopped the rate, both online and locally. Rate was fine (competitive) but another local lender was willing to waive some documentation fees. I asked my original bank to match,...
by wilked
Thu Oct 27, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2235

Re: I need career and financial advice

How long have you worked for them? 9 years $50k for an architect with 9 yrs experience!!?? I imagine it might have a bit to do with your location...but wow that seems ridiculously low to me. This is correct. I poked around on Glassdoor and think 75k should be a 'floor' for you if you are good at yo...
by wilked
Thu Oct 27, 2016 8:29 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2235

Re: I need career and financial advice

$50k for a licensed architect? That doesn't seem right at all. Have you considered striking out on your own or with a partner? I guess. But I obviously don't have any capital at all to do so. From what I've found, median salary in my area for a recently licensed architect is $55-65k, so I'm low, bu...
by wilked
Thu Oct 27, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3525

Re: I am about to buy my first home, anything I should look out for?

Here is what I did: I worked closely with a local bank, good rate, pre-appraisal, etc. The moment I had a signed P&S I shopped the rate, both online and locally. Rate was fine (competitive) but another local lender was willing to waive some documentation fees. I asked my original bank to match, ...
by wilked
Tue Oct 25, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3525

Re: I am about to buy my first home, anything I should look out for?

I am going to cross out the last line in that paragraph and send it back to their lawyer. Have you hired a lawyer? What is his/her opinion? This is the very thing you are hiring a lawyer for - if they are not providing good counsel on this you either chose a bad one or are not asking the right ques...
by wilked
Thu Oct 13, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Snowblower
Replies: 39
Views: 3770

Re: Snowblower

When it comes to snowblowers stick with "HAT" (Honda/Ariens/Toro)
by wilked
Thu Oct 13, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Quality Men's Dress Clothing
Replies: 51
Views: 6536

Re: Quality Men's Dress Clothing

Big sale going on, 3/$100 http://www.ctshirts.com/us/homepage They have extra-slim. I am pretty fit (6 foot, 175 pounds) and they were a little snug on me, so tread lightly. I go with their slim fit and they fit well, not baggy. Lastly, for those nice dress shirts you like, take them to a few tailor...
by wilked
Tue Oct 11, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Looking for Help from BH Bridge Players
Replies: 23
Views: 1447

Re: Looking for Help from BH Bridge Players

Bridge baron widely agreed to be the best app out there. Suggest buying it and using it to learn

https://itunes.apple.com/us/app/bridge- ... 17339?mt=8
by wilked
Tue Oct 11, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Velux skylights
Replies: 27
Views: 2229

Re: Velux skylights

The option list is getting as long as Porsche's. Just finished with the flashing option, then there is the glass option. I live in the NE with at most 2' of snow in a very bad winter. Our current 20 plus year old are holding well except for the leak. Do I need Impact or Snowload options on the glas...
by wilked
Tue Oct 11, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Velux skylights
Replies: 27
Views: 2229

Re: Velux skylights

Velux is the best, I think this is widely agreed upon

For those units that you cover with drapes, instead buy units with adjustable shades.

They come in standard rough sizes, measure your current opening and I bet it will match one of the standard sizes
by wilked
Wed Oct 05, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6827

Re: Vitamix Worth It?

I agree with the others, worth every penny. With previous blenders you have to 'rock them' to coax the solids down, add more water than necessary, stir, repeat, etc. Not so with Vitamix. You can get by with 'cheap' blenders, but there is a real gain by just adding ingredients and pushing a button. T...
by wilked
Tue Sep 20, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 61
Views: 5827

Re: Loan on $1.3MM Fixer-upper

Agreed, yout $200K estimate is light unless you are putting in some decent sweat equity
by wilked
Mon Sep 12, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of upside down car
Replies: 60
Views: 3977

Re: Getting out of upside down car

What do you drive now?
by wilked
Sun Sep 11, 2016 5:42 am
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 5585

Re: Just answered telephone political poll. Now concerned.

Smash your phone, split the pieces into three piles and discard into three different trash bins (obviously outside of your house). You should then move to 'burner' phones for the next six months, switching every month minimum (two weeks is ideal). Check back in 2017, but I expect this should solve t...
by wilked
Thu Sep 08, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2413

Re: Water turned off in building-urgent!

Do you have a hot water heater? There should be plenty of water inside of that. Empty into a bucket, then empty bucket into toilet tank
by wilked
Wed Sep 07, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Personal Shopper/Service for Complicated Purchases
Replies: 14
Views: 1249

Re: Personal Shopper/Service for Complicated Purchases

Tal, what's your nearest large city?

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