Search found 993 matches

by wilked
Wed Aug 17, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Home warranty of choice?
Replies: 13
Views: 822

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: 1894

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: 1894

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: 2742

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: 410

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: 572

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: 3198

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: 5524

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: 537

Re: Where to find resume professionals?

I am very good at this. Pm me, willing to help at no cost
by wilked
Fri Jul 22, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Visiting Acadia National Park - Tips?
Replies: 22
Views: 1569

Re: Visiting Acadia National Park - Tips?

Your kids won't do camping?

I have camped there, I wouldn't call it primitive. It is just like your average car camping site, running water, bathroom facilities, etc etc
by wilked
Mon Jun 27, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: 3 Day Old Odyssey in an Accident- Anything I should know?
Replies: 16
Views: 1124

Re: 3 Day Old Odyssey in an Accident- Anything I should know?

So glad we bought that van. If we were in one of our two previous vehicles, who knows? I can say with near certainty that if you didn't buy the van, you would not have been in that accident. Now that doesn't mean you wouldn't have been or will be in a different accident, but it wouldn't have been t...
by wilked
Tue May 17, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 2007

Re: garden hose

You get what you pay for :mrgreen: Hose: http://www.amazon.com/gp/product-reviews/B01BYB8DPW/ref=s9_newrz_hd_bw_b2K6w_rs1?ie=UTF8&showViewpoints=1&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=merchandised-search-3&pf_rd_r=1XPBEADABC31KVC2W20G&pf_rd_t=101&pf_rd_p=5e57e355-2f08-498b-960a-e86...
by wilked
Tue May 10, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Re: Finishing Attic Space - Code Issue with Walkup Stairs

I checked the code, it has this to say on egress windows All egress or rescue windows from sleeping rooms shall have a minimum net clear opening of 5.7 square feet (0.53 m2). The minimum net clear opening height dimension shall be 24 inches (610 mm). The minimum net clear opening width dimension sha...
by wilked
Tue May 10, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Re: Finishing Attic Space - Code Issue with Walkup Stairs

House was built between 1900 and 1910. All douglas fir framing, true framing dimensions (ie 2x6 vs 2x5.5).

As noted I will pull a few attic boards up this weekend to have the info, maybe plug them into one of those online calculators.
by wilked
Mon May 09, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Re: Finishing Attic Space - Code Issue with Walkup Stairs

I am going to pull a board or two to verify. What you see is how we got it when we bought (two years ago). Thanks for the replies.

It gets hot up there in the summer, yes. We will be insulating the space obviously, and will be adding central air as part of the project
by wilked
Mon May 09, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Re: Finishing Attic Space - Code Issue with Walkup Stairs

Half the 3rd floor space is already semi-finished (bedroom, fully finished in and insulated, but no electric. Heat is installed). The other half is unfinished attic space (see below). I will check into the framing for the floor (size of joists and spacing) Photo below shows some of attic (and chimne...
by wilked
Mon May 09, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Re: Finishing Attic Space - Code Issue with Walkup Stairs

OK, that's what I was planning. It seems to be the one 'gotcha' that I can identify for this project so I am a little nervous
by wilked
Mon May 09, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2205

Finishing Attic Space - Code Issue with Walkup Stairs

First, this is in Massachusetts, and the code is as follows: 5311.5 Stairways. 5311.5.1 Width. Stairways shall not be less than 36 inches (914 mm) in clear width at all points above the permitted handrail height and below the required headroom height. http://www.mass.gov/eopss/docs/dps/780-cmr/78005...
by wilked
Tue May 03, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 6700

Re: How Much House

It's always struck me that purchase price / income is the wrong question of metric.

Mortgage / income is a much better metric
by wilked
Fri Apr 29, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 31
Views: 1971

Re: Help Buying First Car

Last point - use that search to find the car you want, test drive til you are satisfied, and then take to a local mechanic and pay him/her up to $50 for a full pre-purchase inspection. Use whatever they find to negotiate down the final price (it will pay for itself)
by wilked
Fri Apr 29, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 31
Views: 1971

Re: Help Buying First Car

Agree with others, skip the debt, pay cash, find a well-maintained car with more miles You make this sound easy. What due diligence would you recommend though? I'm not a car guy FWIW... Open craigslist in your area, go to autos, go to 'by owner', and then search for these terms: "records"...
by wilked
Tue Apr 26, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 31
Views: 1971

Re: Help Buying First Car

Agree with others, skip the debt, pay cash, find a well-maintained car with more miles
by wilked
Thu Apr 14, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 6030

Re: The Lawn vs. The Homeowner (guess who's winning)

You guys are complete lemmings following the Scott's care, etc. here's something I picked up elsewhere You will need: One full can of regular pop (any kind-no diet soda) One full can of beer (no light beer) 12oz 1/2 Cup of Liquid dishwashing soap (do NOT use anti-bacterial dishwashing liquid) 1/2 Cu...
by wilked
Thu Apr 14, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4997

Re: Free old BMW worth it?

The thing with autos is that even if not driving it, it takes up some decent physical space
by wilked
Wed Apr 13, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4997

Re: Free old BMW worth it?

My buddy got rid of his BMW recently and bought a Honda. He probably had $6-7K in maintenance over the last few years, and it was not that old of a car (8 years?)
by wilked
Tue Apr 12, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Estimated cost to install 42" custom cabinet?
Replies: 2
Views: 507

Re: Estimated cost to install 42" custom cabinet?

Sounds about right, but depends on installation in living room. I built a "built in" pantry a year or so ago, took *many* hours of labor and cost probably $500 in materials, but I didn't use cherry wood either In sum, it is more work than I thought it would be, and for a pro to build it an...
by wilked
Mon Apr 11, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4997

Re: Free old BMW worth it?

Some things are best left alone. This is one of them.

If you want to help them sell that, that is a nice gesture. But don't burden yourself for the sake of driving a 'luxury' vehicle
by wilked
Tue Apr 05, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance For Newborn?
Replies: 49
Views: 3501

Re: Life Insurance For Newborn?

No. What made you think you should consider this? We have has a 4.5 month old at home with us for the last 4.5 months :? And we got some life insurance for the baby in the mail and it made us wonder if it'd be a reasonable idea. Thank you Some advice would be to throw away all of the unsolicited 'p...
by wilked
Tue Apr 05, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review request
Replies: 3
Views: 317

Re: Portfolio review request

Hello. Nice work communicating where you are at, by the way. High level, your allocation looks fine, possibly conservative for your age (you have about 30% in bonds / fixed investments, some might recommend more like 20-25), but I wouldn't bother messing with it. So you have $43K saved for retiremen...
by wilked
Wed Mar 30, 2016 4:24 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed -- Do I have enough?
Replies: 8
Views: 1705

Re: Newly widowed -- Do I have enough?

How well do you understand your budget?
by wilked
Sun Mar 20, 2016 6:00 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle [may have said] TIPS give you "income risk"
Replies: 58
Views: 5182

Re: Jack Bogle says TIPS give you "income risk"

Wait, did Bogle actually say this or did someone hear it from a friend who knows Jack Bogle's neighbor?
by wilked
Sun Mar 20, 2016 5:54 am
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3541

Re: Dishwasher recommendation.

There are two types of dishwasher owners. Those with a Bosch and those who are tolerate loud machines which don't clean their dishes.

It's up to you which you intend to be
by wilked
Fri Mar 18, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 43
Views: 7128

Re: Well, I caved [bought new car]

We also fell in love with the Sportwagen I bought a 2010 SE (30K miles) for $8K a couple months ago, looks and feels brand new. Couldn't pass up the savings vs a new one Since then I have bought dedicated snow tires and rims (used via craigslist, tires almost brand new, $400) and the WhispBar cross-...
by wilked
Thu Mar 17, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Sq ft. of new home after moving -separation
Replies: 17
Views: 1883

Re: Sq ft. of new home after moving -separation

Definitely use a Realtor... If you don't know how to use a computer

If you know how to use a computer, skip the realtor / use Redfin/ anything but pay them full commission
by wilked
Wed Mar 16, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 12297

Re: For Parents Who Have Given a Child Money For Home Down Payment

What would concern me about this situation (haven't read above comments) is the relationships involved and something else . . . If they are earning good money or even if they are not . . . when they finally get the house they want, what a joy it will be and it will be their own work that got them t...
by wilked
Wed Mar 16, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 38
Views: 4241

Re: Recommend a personal finance talk radio show.

Dough Rollers and We Study Billionaires are the two best I have found
by wilked
Mon Mar 14, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 12297

Re: For Parents Who Have Given a Child Money For Home Down Payment

I don't think it's possible for most families to max out retirement accounts and save for a down payment and save for college education. And yet somehow people still end up in houses, and their children end up in college, and they manage to retire in their 60s The reality is that most can't max sav...
by wilked
Mon Mar 14, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Are you saving for your children's wedding(s)?
Replies: 45
Views: 2832

Re: Are you saving for your children's wedding(s)?

This is a strange topic?

No plans to save for a wedding, we have at least 10 things to save for before then, including that trip to Africa we want to take!
by wilked
Mon Mar 14, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Given a gift over $100K. Where to put it temporarily?
Replies: 9
Views: 1050

Re: Given a gift over $100K. Where to put it temporarily?

Add 50% to your bank account, put 50% in a stand-alone bank account so that you can 'square up' with your sister once your parents pass, and have a good relationship with her going forward
by wilked
Mon Mar 14, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 12297

Re: For Parents Who Have Given a Child Money For Home Down Payment

But given that there is a grandchild involved, I'd try very hard to think of it benefiting the child rather than the parent. However, that is only a calculation that you can make. I just want to say that this concept (benefit the grandchild rather than the child) can be very annoying to the child. ...
by wilked
Mon Mar 14, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 12297

Re: For Parents Who Have Given a Child Money For Home Down Payment

For all those saying that gifts make sense where the recipient cannot liquidate his / her stock options:

http://www.businessinsider.com/stock-op ... ld-2015-12
by wilked
Thu Mar 03, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down existing mortgage vs Save for a future down payment
Replies: 13
Views: 1085

Re: Pay down existing mortgage vs Save for a future down payment

Is your goal to have 20% downpayment ($200,000)?
by wilked
Thu Mar 03, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put money after 401K max?
Replies: 7
Views: 1171

Re: Where to put money after 401K max?

You got 5 responses, and three pointed to either searching past threads or using the Wiki. I wouldn't take it personally, it's just how the site is designed - the whole reason for the Wiki and the search bar is to help answer common questions such as this one. As to the inherited IRA and Backdoor Ro...
by wilked
Thu Mar 03, 2016 5:07 am
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1538

Re: Coffee/Tea/Water Stainless Steel Thermos Recommendations

You know what they say

Once you go Zojirushi you don't go back.

Buy it once and buy it right, even if it costs a little more up front
by wilked
Thu Mar 03, 2016 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Where to put money after 401K max?
Replies: 7
Views: 1171

Re: Where to put money after 401K max?

Have you tried a search?

I put your exact thread title in the search bar, and got pages of results. This topic has been covered many times over. Here is one such result
viewtopic.php?t=143820

Good luck
by wilked
Wed Mar 02, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 750K?
Replies: 5
Views: 1141

Re: What to do with 750K?

You profit half a million annual at your business, yet you want to be a landlord?
by wilked
Wed Mar 02, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Locking In A Mortgage Rate
Replies: 7
Views: 641

Re: Locking In A Mortgage Rate

I just locked in a refi at 3.625. You can do better I think
by wilked
Wed Mar 02, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with understanding mortgages and student loans
Replies: 12
Views: 1126

Re: Need help with understanding mortgages and student loans

Have to agree with the others, the downside is much greater than the upside for you here. Maybe you save $100-200 a month by buying. Maybe. Or maybe it all gets wiped out 6 month in when the furnace goes. Life will be complicated enough, why not simplify, rent, maintain both life and financial flexi...
by wilked
Sun Feb 28, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Camping & "Adventure" Gear for a 3 year old
Replies: 34
Views: 1891

Re: Camping & "Adventure" Gear for a 3 year old

Agreed on the above. Gear shouldn't be the primary concern. At 3 they will hike, but will also tire. I have a good hiking backpack I can carry my son in when he tires, good workout for the legs too. Basically, it's like this - if you are excited about it, they will be excited about it. Find salamand...

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