Search found 975 matches

by wilked
Tue May 03, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 58
Views: 4459

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: 1556

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: 1556

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: 1556

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: 5287

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: 4408

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: 4408

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: 454

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: 4408

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: 3128

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: 277

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: 1623

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: 4742

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: 3049

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: 38
Views: 4831

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: 1718

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: 11044

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: 3952

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: 11044

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: 2576

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: 985

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: 11044

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: 11044

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: 980

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: 1094

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: 1406

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: 1094

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: 1064

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: 583

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: 1023

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: 1613

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...
by wilked
Wed Feb 24, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 1553

Re: Full 20% Down Payment then HELOC to replenish Capital

Rent another year or so, and wait until you have 20% plus e-fund. It obviously depends on the market and your personal situation, but that would have been a $100k mistake if I had followed that advise when I was buying my house. Does that mean when I bought Apple stock 10 years ago I would have mad...
by wilked
Tue Feb 23, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 1553

Re: Full 20% Down Payment then HELOC to replenish Capital

Rent another year or so, and wait until you have 20% plus e-fund.
by wilked
Mon Feb 15, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Considering $ impacts of a move from MA to NH
Replies: 12
Views: 1082

Re: Considering $ impacts of a move from MA to NH

MA resident here. You should be able to estimate property taxes somewhat, pick a potential town to move in both states and similar properties and then run the numbers. Yes though it seems a clear win for NH, esp when contrasted with No. MA. If you resided in southern or western near family it is a l...
by wilked
Tue Feb 09, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 3263

Re: How to respond to a siblings who gloats over a great stock pick?

I would tell them "Great! Let's go to dinner. Oh, by the way, YOU are buying! Thanks!" Basically, if you can't make gains off of your sibling without any risks on your part, then you are not being a loving sibling. Just this No need to to turn it into a lecture. Sounds like the op might b...
by wilked
Fri Feb 05, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 10975

Re: How to get a 200k+/year job?

The likeliest path is technical sales, but you have to have a knack for it

What type of engineering?
by wilked
Fri Feb 05, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: 45% of Income On Rent
Replies: 39
Views: 2897

Re: 45% of Income On Rent

OK, you can afford it, so long as nothing goes wrong / nothing unexpected comes up / etc etc The young college grad who makes $2000/month take home with $500 in recurring monthly expenses can afford an apartment up to $1500, but that doesn't mean he/she can afford it. Does your budget account for we...
by wilked
Fri Feb 05, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: 45% of Income On Rent
Replies: 39
Views: 2897

Re: 45% of Income On Rent

You seem the type that has a hard time making decisions (from the limited info you provided) You got three real options: 1) Just be roommates, not bf/gf. It will be awkward for a bit, but you are an adult (as well as she is), and can make it work 2) She pay 1/2 months rent to 'break the lease', move...
by wilked
Fri Feb 05, 2016 6:48 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 27
Views: 2650

Re: Reporter doing story on expense drop when kids go off to college

GauchoDad wrote:Our electricity bill is dramatically lower when our daughter is at school. Tends to leave EVERY light on when she's home for summer. However all gains are quickly offset by her Uber use around the campus.

I assume this means no led lighting?
by wilked
Mon Jan 25, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 6363

Re: Did the bears eat my retirement? - Sequence of Returns Risk

Our current AA is approaching 50/50. If the recent downturn has you on edge, this AA is too risky for you. You indicate you were in a position to retire - one of the quotes I like is 'once you win the game, stop playing'. Perhaps you need to dial back to 70/30 bonds/equities and rebuild to the posi...
by wilked
Wed Jan 06, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Housing Dilemma (Might want 4th BR with 3 kids)
Replies: 26
Views: 2654

Re: Housing Dilemma (Might want 4th BR with 3 kids)

health teacher wrote:I feel as if the housing is "around" a peak in my area (given median income, business growth, etc.) interests rates are "probably" as low as they are going to be moving forward.


You mean the same things they have been saying for 3-4 years now?
by wilked
Mon Jan 04, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 5227

Re: Job Prospects for English Majors?

she's not interested in teaching

What is she interested in doing for employment?
by wilked
Fri Jan 01, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Housing Dilemma (Might want 4th BR with 3 kids)
Replies: 26
Views: 2654

Re: Housing Dilemma (Might want 4th BR with 3 kids)

Seems fairly obvious - have the kids share a bedroom. This has been the norm for hundreds of years, the idea of each child having his/her own bedroom is very recent Adding onto your home makes no sense given your situation and want to financial ease. Selling/buying a home, the same. Sacrificing the ...
by wilked
Fri Jan 01, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Keep Down Payment $$ for 6-18 months
Replies: 13
Views: 1282

Re: Where to Keep Down Payment $$ for 6-18 months

whatever you do, don't go for a CD since you might need it in 6 months. I remember home shopping, and you want that money fairly liquid.

Aim for between 1 and 1.5%, and find the best savings account that can hit that. Someone mentioned Ally, start there
by wilked
Sat Dec 19, 2015 7:44 am
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 3557

Re: Bought a 2009 Prius and now....

My brother in law is 6'3/4 and Fite in his Prius just fine, in fact I remember him choosing it as one of his reasons for purchase?
by wilked
Fri Dec 18, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 4222

Re: Need recommendations for 4WD/AWD vehicle

Sounds like you have your appointment already, but I would be looking at something like these in your neighborhood http://bend.craigslist.org/pts/5321682960.html http://bend.craigslist.org/wto/5331401083.html Nokian Hakkas or General Altima Arctic are great tires, of course match the tire size and b...
by wilked
Thu Nov 12, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Starting Salary
Replies: 31
Views: 3299

Re: Negotiating Starting Salary

Did no part of her MBA education cover negotiation? She should be well-primed for this I would think on her own?
by wilked
Fri Nov 06, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 6250

Re: In a Housing Bind...

The privacy thing - are you spending your days peering out the windows at your neighbors? Chances are you are not as exciting as you might think, my guess is the neighbors are not all that interested in tracking your movements. We can see one neighbors kitchen out our kitchen window, another's neigh...
by wilked
Thu Nov 05, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Home heat radiators
Replies: 11
Views: 865

Re: Home heat radiators

As others have noted, cast iron radiators are the bomb

Do a cost analysis, storage vs replacement. I would store them, nice to have a matching set for sure. Hire some laborers to move them, they are heavy!

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