Search found 1185 matches

by wilked
Fri Nov 03, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans: Best to Pay Down or Wait for Forgiveness?
Replies: 33
Views: 2011

Re: Student Loans: Best to Pay Down or Wait for Forgiveness?

So salary about $100k, say $75k after taxes. $6k spent on housing. How much are you saving per month? Around $1,200 (so: not enough that I could just pay down the loan by skipping retirement savings, or rent without lifestyle changes). So... $75k in take home. $6k in housing. $15k in savings. Maybe...
by wilked
Fri Nov 03, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans: Best to Pay Down or Wait for Forgiveness?
Replies: 33
Views: 2011

Re: Student Loans: Best to Pay Down or Wait for Forgiveness?

So salary about $100k, say $75k after taxes. $6k spent on housing. How much are you saving per month?
by wilked
Fri Nov 03, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 1770

Re: What so scary about TSP loans?

VerbalK wrote:
Thu Nov 02, 2017 10:35 pm
LTLurkerFTPoster...

I'm buying a new house. Depending on some possible concessions and whether I go for negative points, I'm likely going to be about 10-20K short of 20% down. I have a couple options. I could get a gift from folks or inlaws.
Take the free money!
by wilked
Wed Nov 01, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1269

Re: Robot vacuum for pet hair and hardwood floor

Have a roomba 980. Have had it over a year, one brush replacement is it (wife’s long hair ‘cut’ the plastic roller). They work amazing, have had no issues. Each day amazingly the bin comes back with a ton of crap - WAY more than I get sweeping once a week. We have hardwood / tile / area rug and a ca...
by wilked
Mon Oct 30, 2017 5:44 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8807

Re: we bought a house - are we housepoor now?

OP are your numbers off? A couple months ago you had $500k in assets, now you have $750k? (Edit to add $750 plus $270 in down payment) https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220858 did you read my post? I had some previously illiquid assets that I did not count in earlier posts for ob...
by wilked
Sun Oct 29, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8807

Re: we bought a house - are we housepoor now?

OP are your numbers off? A couple months ago you had $500k in assets, now you have $750k? (Edit to add $750 plus $270 in down payment) https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220858 did you read my post? I had some previously illiquid assets that I did not count in earlier posts for ob...
by wilked
Sun Oct 29, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8807

Re: we bought a house - are we housepoor now?

OP are your numbers off? A couple months ago you had $500k in assets, now you have $750k? (Edit to add $750 plus $270 in down payment)

viewtopic.php?f=2&t=220858
by wilked
Thu Oct 26, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11917

Re: Request for Promotion letter to Senior Management

"So you’ve got a ton of freedom (wfh etc), promotion wouldn’t change your job duties, and money is not a motivating factor / you don’t feel underpaid. What’s the issue exactly?" As another poster stated, being promoted is important to me for personal and professional growth. There should always be ...
by wilked
Thu Oct 26, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11917

Re: Request for Promotion letter to Senior Management

Palatineman wrote:
Thu Oct 26, 2017 10:58 am


6. I get paid well for what I do with great benefits (health insurance, matching 5 percent 401K, vesting stock).
So you’ve got a ton of freedom (wfh etc), promotion wouldn’t change your job duties, and money is not a motivating factor / you don’t feel underpaid.

What’s the issue exactly?
by wilked
Thu Oct 26, 2017 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11917

Re: Request for Promotion letter to Senior Management

Couple things here. Don’t send a letter - it’s a very weak move. Ask yourself why you feel like a letter is the right means of communication. Is it because you can’t get direct access to the person? If that is the case, work on that. Wfh is nice but also has its limitations. Sounds like your ‘presen...
by wilked
Wed Oct 18, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6253

Re: Trash dumped on curb (need advice)

This may be a stretch as a financial topic, but I know I've read tree/yard disputes between neighbors before. It so happens that the people across from us are in the process of a short sale. They have dumped a large amount of trash on the curb including 8+tv/monitors, a couch, table/chairs, tons of...
by wilked
Tue Oct 17, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1267

Re: Should I start investing?

I try to imagine my parents paying for my rent while I am driving out of a dealership with a brand new $35,000 car! What would happen the next week is that payments for rent would stop and I would be selling the car to pay for rent ;-)
by wilked
Tue Oct 17, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1267

Re: Should I start investing?

Yes, you should invest. THe primary thing you should invest in is 'networking' so that you have a lucative job lined up at least 6 months ahead of graduating. Spend lots of time in your applicable standards group / org (for instance, mine is ISPE, International Society of Pharmaceutical Engineering)...
by wilked
Tue Oct 17, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1267

Re: Should I start investing?

Are you living at home?

What type of engineering are you studying?
by wilked
Tue Oct 17, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 8
Views: 682

Re: Basic HSA question

Thanks all - just wanted to be certain!
by wilked
Tue Oct 17, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 8
Views: 682

Basic HSA question

I have $67 in an ancient HSA account. I have lost the ATM card, and really just want to be done with it.

Can it be as simple as finding a receipt (copay or prescription) that adds up to $67, 'filing it' in my file, and paying myself $67 from the HSA account?
by wilked
Mon Oct 16, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 632

Re: Tanzania

My wife and I did it 6 years ago... week on Safari, week climbing Kili, week on Zanzibar. I personally recommend that order - you will be ready for island life after hiking the mountain, and it's a nice way to end the trip. We used Swala and found them to be excellent. They will provide references i...
by wilked
Mon Oct 16, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best Next Steps - Kids/House/Savings Advise
Replies: 13
Views: 2133

Re: Best Next Steps - Kids/House/Savings Advise

Yes - patience It takes almost a year to make a child from idea to that first cry. That is lots of time to think and plan. It then takes another year for that child to be very mobile. All of which to say that your 2 BR townhouse is very likely fine for at least a couple years. As others noted taking...
by wilked
Mon Oct 16, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 3714

Re: 529 Savings - Is it enough?

I would say at age 5 plan on a minimum of $250K for a basic public 4 year college. It might come up short but you can always reassess in 5 years
by wilked
Mon Oct 16, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6253

Re: Trash dumped on curb (need advice)

This may be a stretch as a financial topic, but I know I've read tree/yard disputes between neighbors before. It so happens that the people across from us are in the process of a short sale. They have dumped a large amount of trash on the curb including 8+tv/monitors, a couch, table/chairs, tons of...
by wilked
Sun Oct 15, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2394

Re: Dental implants in Poland

As other noted, implants are not quite routine. You often need follow up and they do fail (I had one of my 3 fail, the implant didn't fuse to the bone. A second opinion said the doctor implanted it too 'shallow') Forgetting about quality of doctor for a moment, it is worth it to be able to easily ac...
by wilked
Wed Oct 11, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Want to save for a house down payment, but want some risky earnings potential..advice?
Replies: 4
Views: 372

Re: Want to save for a house down payment, but want some risky earnings potential..advice?

I am wanting to move into a slightly larger home (in same area as my current home) in the next year or two. However, I am not 100% sold on the idea...maybe I'll just make some improvements to my current home, but I don't believe I will get much of a return on investment if I sell in the next few ye...
by wilked
Tue Oct 10, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5665

Re: Made a career mistake- advice/next steps

One thing I saw nowhere was an honest conversation with your management. As a manager, if I hired someone and that person believes they were mis-led and are unhappy I would like to know about it now rather than in an exit interview. Have an honest conversation with your management, you might be surp...
by wilked
Sat Oct 07, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4232

Re: Too much house? (nervous 1st time buyer)

We don't know for sure, but we do have a strong dataset to pull from

Image
by wilked
Sat Oct 07, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4232

Re: Too much house? (nervous 1st time buyer)

I agree with the others, keep renting. 1. Stay mobile - you are in the age / demo / and marital status that affords mobility (often with big pay raises!) don't complicate it with home ownership 2. You are in the age where probably a lot of your friends are getting married. More likely than not you w...
by wilked
Fri Sep 22, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5403

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: 4526

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: 3748

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: 1198

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: 606

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: 606

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: 4688

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: 2687

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: 2687

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: 4658

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: 4658

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: 3305

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: 1505

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: 4658

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: 4233

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: 12314

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: 15118

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: 20592

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: 6015

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: 3728

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: 7346

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: 20592

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...