Search found 1084 matches

by wilked
Wed Mar 22, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 77
Views: 5598

Re: How did graduating out of daycare impact your finances?

"I don't know where some of you live, but $20 to 40k a year sounds a bit insane to me. We moved to a relatively LCOL area a few years ago, and pay ~$5k / year for in-home childcare in our neighborhood (one toddler). Granted, we have arranged it so my SO can stay with him on Fridays, so that's ...
by wilked
Tue Mar 21, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3157

Re: What is your preferred Weather App?

I agree with everyone else, Wunderground
by wilked
Sun Mar 19, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4105

Re: Looking for a snazzy car

Agree with the others, GTI, or Miata
by wilked
Mon Mar 13, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Sold House in 2016
Replies: 14
Views: 1076

Re: Sold House in 2016

What's the question?
by wilked
Thu Mar 02, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Excel challenge: axis min and max to automatically scale
Replies: 20
Views: 1221

Re: Excel challenge: axis min and max to automatically scale

Starting at anything other than 0 on the Y axis is just plain wrong from a visualization standpoint. I agree that one of these (same data, just scaled differently) is plain wrong, just not the one you say above http://i64.tinypic.com/os6hdw.png http://i68.tinypic.com/qrls39.png
by wilked
Thu Mar 02, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2751

Re: Replace gas water heater with electric?

what's wrong with the chimney?
by wilked
Fri Feb 24, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement vs Down Payment
Replies: 32
Views: 2405

Re: Retirement vs Down Payment

Any of the above (and there were a few) that think buying a $500K home on 2 salaries of $40 and $60K, with potential kids in 5 years, is a reasonable plan, are crazy in my opinion. Not just a little crazy, but seriously crazy. quote] Did you see that the OP has a five year time horizon? I would pre...
by wilked
Fri Feb 24, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement vs Down Payment
Replies: 32
Views: 2405

Re: Retirement vs Down Payment

Any of the above (and there were a few) that think buying a $500K home on 2 salaries of $40 and $60K, with potential kids in 5 years, is a reasonable plan, are crazy in my opinion. Not just a little crazy, but seriously crazy. Take home: $6000/month PITI: $2500/month Daycare for 2 children: $2500/mo...
by wilked
Fri Feb 24, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement vs Down Payment
Replies: 32
Views: 2405

Re: Retirement vs Down Payment

Watty wrote:
Jack FFR1846 wrote:A $500k house now is going to be an $800k house in 8 years in a town like Andover, for example.


Or $400K, there is now way to know and as many people found out the hard way housing prices don't always go up.

He/she must be a realtor!
by wilked
Fri Feb 24, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirement vs Down Payment
Replies: 32
Views: 2405

Re: Retirement vs Down Payment

You say buying a house is important to you. Why is that? I am in same area, north of Boston, and waited til 35 to buy a house, with a household salary about 2.5X yours. We bought a house in similar $$ range, with 20% down. With two kids in daycare let me say we don't feel 'rich' and money is still t...
by wilked
Wed Feb 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 3906

Re: Negotiate lowball offer? (new job)

I worked through a temp agency at a small company out here in the East, starting out at 42,300/yr and after 5 months my employer decided to hire me on permanent. . . If I was looking for a new job, I could easily get 52k and as high as 68k with the right fit. Something doesn't add up You could easi...
by wilked
Mon Feb 20, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Bluetooth Transmitter
Replies: 4
Views: 534

Re: Bluetooth Transmitter

My parents have this one, works great

https://www.amazon.com/gp/aw/d/B01KO1JN ... ref=plSrch
by wilked
Sat Feb 18, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2284

Re: Windshield repair gone wrong....

I would hold out for a new car
by wilked
Mon Feb 13, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 3210

Re: BH thoughts on housing crash

If you are talking about moving to a house in a better area there are two (basic) scenarios: 1. Bull market - You sell your house and turn a profit (great news!) but now have to purchase a new house that has undergone significant recent appreciation (bad news!) 2. Bear market (post-crash) - You sell...
by wilked
Thu Feb 09, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3743

Re: Plumbing issue - advice sought

Process of elimination: 1. Stop using tub shower and sink for one week. Use only toilet. If leak reoccurs, problem is toilet, either at supply or wax ring. If no leak... 2. Stop using toilet and tub shower for one week. Use sink only. If leak reoccurs, problem is sink, either at supply or drain. If...
by wilked
Tue Feb 07, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford?
Replies: 19
Views: 1725

Re: How Much House Can I Afford?

My advice - wait until your husband finishes school and gets this salary bump to look. Advantages: -If he is in school likely very busy. Finding/buying a new home, and moving, etc consumes a lot of time -While you may think the salary jump is 'assumed', I would wait until it is real and then make yo...
by wilked
Tue Feb 07, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5579

Re: Hardwood floors vs Wood Look Tile?

Have you considered cork?
by wilked
Sat Feb 04, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase downpayment sourcing
Replies: 14
Views: 1247

Re: Home Purchase downpayment sourcing

You didn't write your motivation for buying a house - what is prompting the change ?
by wilked
Sat Jan 28, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2585

Re: Fire extinguishers

one per floor (so 4)

Kitchen, top of basement stairs, 2nd floor linen closet, and 3rd floor hallway

Hopefully never need it, but I sure won't sweat the $20/exchanger if that time does come
by wilked
Fri Jan 27, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with short term savings
Replies: 14
Views: 1430

Re: Help with short term savings

Here's a nice 3% CD

https://www.fatwallet.com/forums/finance/1552858

If I were you this is the option I would select
by wilked
Thu Jan 26, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2577

Re: 75 gallon hot water heaters

With 4 people taking showers within 15-minutes of each other, my 50-gallon electric water heater just could not handle it unless I turned the thermostat up very high. I installed an 80-gallon water heater a few years ago, before the new regulations. Switch to low-flow shower heads. +1 The new low-f...
by wilked
Thu Jan 26, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 67
Views: 4957

Re: Help, please, on new salary negotiations

All, I know that 'he who gives the first number' is an overgeneralization and not always true (as I said right after I wrote that). In most cases I do think it's true though, and especially in this case where he is being recruited. To the poster who linked study showing that those that gave a number...
by wilked
Thu Jan 26, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 67
Views: 4957

Re: Help, please, on new salary negotiations

I had no idea speechwriters can make $180K :shock: Then again I really don't know anything about speechwriting. It would seem reasonable that it's the type of job you could work remotely for some portion of your workweek, so I don't think you'll have an issue there. Beyond that, I would just say tha...
by wilked
Thu Jan 26, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2577

Re: 75 gallon hot water heaters

The first question would be why you are using so much hot water? That is probably costing you a decent sum - I would focus my energy (pun intended) there
by wilked
Thu Jan 26, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 67
Views: 4957

Re: Help, please, on new salary negotiations

He who gives the first number, loses Now, that is not really true and a very basic way of negotiating, but I think in general you are better to wait for his number. You found a middle ground on remote/office working (or at least are close). You seem to know the benefits, how could you not have a pro...
by wilked
Tue Jan 24, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan for downpayment
Replies: 15
Views: 1399

Re: 401k loan for downpayment

Your $70k from sale is an estimate. Could be $50, could be $90. Hard to count on it too precisely though. You shouldn't draw your liquid funds down to $5k premove, that would be a mistake. I would consider up to $25k from 401k, but wouldn't do more than that. Another good alternative is to investiga...
by wilked
Tue Jan 24, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)
Replies: 37
Views: 1630

Re: My employer only matches 5% of my salary in my company 401k

See if you can talk them into lowering your salary 10% and changing the match to 15%
by wilked
Tue Jan 24, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for downpayment
Replies: 15
Views: 1399

Re: 401k loan for downpayment

Add some numbers and I can give better advice:

-rough purchase price of house
-liquid savings (including, but separated, emergency)
by wilked
Fri Jan 20, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with short term savings
Replies: 14
Views: 1430

Re: Help with short term savings

How long do you expect this money to last? Let's say you will spend it at $2k per month, say it's $40k, 20 months at 1% interest is $400 or so (ballpark). The same at 0.25% is maybe $100. Point being, I wouldn't spend all that much time trying to maximize it, you'd be better served putting that effo...
by wilked
Fri Jan 20, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5883

Re: East Coast And Work/Life Balance

an_asker wrote:
HomerJ wrote:
biscuit wrote:We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas).


Why do you guys move so much?

Maybe a job that requires husband to move?

Why wouldn't it be the wife's job that causes them to move?
by wilked
Fri Jan 20, 2017 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2398

Re: Trying to get on track

Either a mistake or a troll post. I am leaning toward the former

If I had seen a line item for drugs at $500 per month I would have changed to the latter
by wilked
Tue Jan 17, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5386

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: 1050

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: 3309

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: 51
Views: 5386

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: 13148

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: 13148

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: 3661

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: 852

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: 13148

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: 7259

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: 2194

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: 2194

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: 13148

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: 2164

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: 475

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: 1937

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: 83
Views: 12442

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: 2381

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?

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