Search found 1034 matches

by wilked
Thu Dec 01, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 39
Views: 2161

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: 2161

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: 1686

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: 3399

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: 3585

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: 1097

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: 6487

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: 1017

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: 2424

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: 3742

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: 2424

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: 2629

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: 3347

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: 1704

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: 1635

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: 1635

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: 3347

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: 2092

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: 2092

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: 3347

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: 3347

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: 35
Views: 2922

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: 6344

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: 1375

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: 23
Views: 1705

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: 23
Views: 1705

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: 6402

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: 5612

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: 3820

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: 5423

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: 2305

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: 1195

Re: Personal Shopper/Service for Complicated Purchases

Tal, what's your nearest large city?
by wilked
Wed Sep 07, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 5308

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

Why not post your resume here (perhaps remove identifying information, make it generic) and ask the IT population here if you are underpaid.

If you are any good at your job, my guess is you are underpaid. Forget about mortgages and figure out how to raise your salary.
by wilked
Wed Sep 07, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 5308

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

MortgageOnBlack wrote:Hello,

I was in a great position to buy a home in Denver in 2011 when prices were low and unfortunately did not jump on the opportunity\


Didn't you say you got laid off and spent through all your savings afterward? Wouldn't that have been a disaster with a mortgage?
by wilked
Wed Sep 07, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2287

Re: Confederate Money (where to sell)

why are you discounting ebay as an option?
by wilked
Wed Sep 07, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Used 4 passenger convertible recommendations
Replies: 33
Views: 2118

Re: Used 4 passenger convertible recommendations

I'm considering getting a 4 passenger convertible. I'd like something that is fun to drive (manual necessary, great handling, doesn't need a ton of power), something that can hold a car seat or two (only for rare occasions), something that is safe and reliable. I'll only be putting about 5,000 mile...
by wilked
Wed Sep 07, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4971

Re: Inheriting lake property with 2 other siblings

As others noted, it is good to start the conversation now. Having the conversation while reading a will for the first time can lead to very emotional responses.
by wilked
Tue Sep 06, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4971

Re: Inheriting lake property with 2 other siblings

I don't want to inherit this and then be forced to buy out one or both parties at current market rate since they didn't buy it in the first place. I also am not expecting that they do that in return. That doesn't make much sense. I have a problem paying a sibling market value for something that the...
by wilked
Tue Sep 06, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: Bridge to Social Security
Replies: 33
Views: 2497

Re: Bridge to Social Security

I worked many years for a large Semiconductor (Intel, should be big enough). We had plenty of older engineers, plenty of younger. I know they recently had a large round of layoffs, and early retirement offering was part of it, but ultimately they can't push older folks out the door or they would be ...
by wilked
Thu Sep 01, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 31
Views: 4670

Re: Backyard playsets - worth it?

In the end I ended up getting a used (~10 yr old) Creative Playthings, cedar set, off craigslist for like $300. It was in great shape, only one of the 4 posts had any rot (I added this to account for it http://www.homedepot.com/p/Simpson-Strong-Tie-12-Gauge-Black-Powder-Coated-E-Z-Spike-FPBS44/10065...
by wilked
Wed Aug 17, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Home warranty of choice?
Replies: 13
Views: 1010

Re: Home warranty of choice?

I agree here, take the money. For the rare issue they will fix, they will fix it cheaply, and you'll fix it again on your own dime a few years later
by wilked
Wed Aug 17, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best 529 for Massachusetts resident?
Replies: 32
Views: 2256

Re: Best 529 for Massachusetts resident?

Well, i WAS psyched until i looked into what other states gave and saw amounts deductions of $5000-$10,000 and some states giving them out per child. A calculator i found indicates the max benefit to me would be maybe $70, $102 state tax deduxtion (5.1% of $2000) but then lose a chunk back in feder...
by wilked
Mon Aug 15, 2016 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best 529 for Massachusetts resident?
Replies: 32
Views: 2256

Re: Best 529 for Massachusetts resident?

betterfinances wrote:I have a Nevada 529. It offers Vanguard funds which have some of the lowest fees around. I think I pay around .05% expense ratio for my funds.

+1
by wilked
Mon Aug 15, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Double Income No Kids (but expect kids in future) - How much home can we afford?
Replies: 28
Views: 2952

Re: Double Income No Kids (but expect kids in future) - How much home can we afford?

We eventually plan on having kids (no clue how many) and we are uncertain how long my wife will continue to work full-time / if she will continue part-time some day. Assuming a single income to determine how large a mortgage we can afford would seem overly conservative Doesn't sound overly conserva...
by wilked
Mon Aug 15, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Buying first home an investment/How much house can I buy
Replies: 4
Views: 445

Re: Buying first home an investment/How much house can I buy

Buying first home an investment


Homes are not investments. A rental property is an investment, an REIT is an investment, a home you live in is not

Buy a home if you are ready to settle down to one place, not looking to stay mobile, and plan to live there at least 7-10 years.
by wilked
Tue Aug 09, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Should I Waterproof? Installing New Driveway
Replies: 3
Views: 612

Re: Should I Waterproof? Installing New Driveway

What does supervising mean? Do you own the home? Are you the foreman on the job?
by wilked
Tue Aug 09, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying mortgage, what???
Replies: 21
Views: 3305

Re: Not paying mortgage, what???

I would think this would quickly wreck your credit rating as mentioned above, causing all sorts of life hassles, financially and otherwise. And I guess you could attempt to live on cash, but that seems difficult. (Can you get a phone or utilities or internet service in the future?) And a few years ...
by wilked
Fri Jul 29, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Another can we retire...
Replies: 51
Views: 5854

Re: Another can we retire...

Philachild wrote:My kid has been ill, so we are supporting her... Not my favorite

Well at least your favorite child is not ill! Even the ones we don't like as much need their health though
by wilked
Thu Jul 28, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Where to find resume professionals?
Replies: 7
Views: 589

Re: Where to find resume professionals?

I am very good at this. Pm me, willing to help at no cost

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