Search found 1204 matches

by wilked
Thu Jan 18, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3446

Re: I got a Roomba and think you should too

I have the same model as you, as well as a couple older ones. The older ones worked well, they are just 5 years old and we run them every day due to 3 kids and pets. The new one was great until I kept getting the bin full indicator and shutdown after just a couple of hours and the bin is nearly emp...
by wilked
Wed Jan 17, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: three/four season room addition
Replies: 4
Views: 332

Re: three/four season room addition

Are you asking whether to make it 3 season or 4 season?
by wilked
Sat Dec 16, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 3700

Re: Buy home with structural issues

First red flag: home being sold after only 2 years
by wilked
Fri Dec 15, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

Quick datapoint on the WRG3. I had them on a Rogue, kept them on year round, and found that they wore down FAST, like 25K fast. Since then I have gone with dedicated winter tires
by wilked
Tue Dec 12, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

All season are... All season. If this car is for driving on plowed roads, all season is all you need. Snow tires may give people the illusion they have better traction on ice which could cause one to go faster than the conditions allow. I work in a group of engineers and this topic is discussed oft...
by wilked
Tue Dec 12, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

All season are... All season. If this car is for driving on plowed roads, all season is all you need. Snow tires may give people the illusion they have better traction on ice which could cause one to go faster than the conditions allow. I work in a group of engineers and this topic is discussed oft...
by wilked
Tue Dec 12, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2424

Re: How much house can I afford? (First Home)

I really appreciate all the feedback and advice everyone! I'm glad I made this post. I had my head set on us purchasing a home thinking that it would save us money, but obviously that is not the correct course of action. That's why I like this forum! As for her student loans. I did plan on paying t...
by wilked
Mon Dec 11, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

They're a major hassle. ... I mounted my 4 tires last weekend. 30 mins, start to finish, and I wasn't moving quickly. As noted about cost should be about $500 w/ rims, and they will last you many years as others have noted, they only need to save you from one accident to be well worth it. The data ...
by wilked
Mon Dec 11, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

They're a major hassle. Storing 4 tires takes up a fair amount of space. Transporting 4 dirty tires to the shop only to be charged $15/tire to mount and balance adds up. Repeat a few months later. Or you could buy an extra set of rims, costly, and still you drive them to a shop or change each wheel...
by wilked
Mon Dec 11, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2490

Re: Paying contractors for incomplete work

Please don't pay anyone to replace a toilet flapper... this is akin to paying someone to hang a picture.

Youtube is your friend! Watch a video and you will see what I mean - it is that easy
by wilked
Mon Dec 11, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6787

Re: Snow Tires? Worth it?

Absolute no brainer if you live in a very snowy/icy area.

You can find 4 with rims for about $500 if you search. Here's one example near me
https://boston.craigslist.org/bmw/wto/d ... 65555.html
by wilked
Mon Dec 11, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2424

Re: How much house can I afford? (First Home)

Nate79 wrote:
Sun Dec 10, 2017 8:39 pm
Why do you have so much cash and yet are taking on student loan debt? Rent and finish school with no debt.
I was wondering this too...

You trust her enough to buy a home together but not enough to pay down her debts?
by wilked
Wed Dec 06, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3745

Re: Does it look like a bubble to you?

Someone better tell CULater before he fully converts to physical gold
by wilked
Mon Nov 27, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 2808

Re: best SUV

According to the results of this thread...you can buy most any SUV and not go wrong! :D
by wilked
Sun Nov 26, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8329

Re: Too much house, right?

I would feel better about saying “go for it” if you had more savings. For something of this magnitude having only $50k liquid seems like a bad idea. I know you have some home equity too which helps but still worry it comes up light.
by wilked
Sat Nov 25, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 23
Views: 1790

Re: Kreg jig

I have one for pocket screws. Love it, built a pantry (including cabinet doors) with it. Also built a nice bunk bed (this one).

https://www.thedesignconfidential.com/2 ... twin-bunk/

And a bunch of other things
by wilked
Sat Nov 25, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 23
Views: 1790

Re: Kreg jig

Are you talking about a pocket screw jig?
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: 2311

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: 2311

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: 1919

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: 1488

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: 10124

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: 10124

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: 10124

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: 13378

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: 13378

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: 13378

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: 6662

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: 1428

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: 1428

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: 1428

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: 755

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: 755

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: 732

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: 2287

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: 4038

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: 6662

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: 2609

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: 438

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: 5912

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: 4711

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: 4711

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: 5684

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: 4702

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: 4210

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: 1293

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: 646

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...