Search found 1007 matches

by wilked
Tue Sep 20, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 61
Views: 5082

Re: Loan on $1.3MM Fixer-upper

Agreed, yout $200K estimate is light unless you are putting in some decent sweat equity
by wilked
Mon Sep 12, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of upside down car
Replies: 60
Views: 3583

Re: Getting out of upside down car

What do you drive now?
by wilked
Sun Sep 11, 2016 5:42 am
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 5237

Re: Just answered telephone political poll. Now concerned.

Smash your phone, split the pieces into three piles and discard into three different trash bins (obviously outside of your house). You should then move to 'burner' phones for the next six months, switching every month minimum (two weeks is ideal). Check back in 2017, but I expect this should solve t...
by wilked
Thu Sep 08, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2173

Re: Water turned off in building-urgent!

Do you have a hot water heater? There should be plenty of water inside of that. Empty into a bucket, then empty bucket into toilet tank
by wilked
Wed Sep 07, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Personal Shopper/Service for Complicated Purchases
Replies: 14
Views: 1110

Re: Personal Shopper/Service for Complicated Purchases

Tal, what's your nearest large city?
by wilked
Wed Sep 07, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 4949

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

Why not post your resume here (perhaps remove identifying information, make it generic) and ask the IT population here if you are underpaid.

If you are any good at your job, my guess is you are underpaid. Forget about mortgages and figure out how to raise your salary.
by wilked
Wed Sep 07, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 4949

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

MortgageOnBlack wrote:Hello,

I was in a great position to buy a home in Denver in 2011 when prices were low and unfortunately did not jump on the opportunity\


Didn't you say you got laid off and spent through all your savings afterward? Wouldn't that have been a disaster with a mortgage?
by wilked
Wed Sep 07, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2183

Re: Confederate Money (where to sell)

why are you discounting ebay as an option?
by wilked
Wed Sep 07, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Used 4 passenger convertible recommendations
Replies: 33
Views: 2059

Re: Used 4 passenger convertible recommendations

I'm considering getting a 4 passenger convertible. I'd like something that is fun to drive (manual necessary, great handling, doesn't need a ton of power), something that can hold a car seat or two (only for rare occasions), something that is safe and reliable. I'll only be putting about 5,000 mile...
by wilked
Wed Sep 07, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4753

Re: Inheriting lake property with 2 other siblings

As others noted, it is good to start the conversation now. Having the conversation while reading a will for the first time can lead to very emotional responses.
by wilked
Tue Sep 06, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4753

Re: Inheriting lake property with 2 other siblings

I don't want to inherit this and then be forced to buy out one or both parties at current market rate since they didn't buy it in the first place. I also am not expecting that they do that in return. That doesn't make much sense. I have a problem paying a sibling market value for something that the...
by wilked
Tue Sep 06, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: Bridge to Social Security
Replies: 33
Views: 2352

Re: Bridge to Social Security

I worked many years for a large Semiconductor (Intel, should be big enough). We had plenty of older engineers, plenty of younger. I know they recently had a large round of layoffs, and early retirement offering was part of it, but ultimately they can't push older folks out the door or they would be ...
by wilked
Thu Sep 01, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 31
Views: 4529

Re: Backyard playsets - worth it?

In the end I ended up getting a used (~10 yr old) Creative Playthings, cedar set, off craigslist for like $300. It was in great shape, only one of the 4 posts had any rot (I added this to account for it http://www.homedepot.com/p/Simpson-Strong-Tie-12-Gauge-Black-Powder-Coated-E-Z-Spike-FPBS44/10065...
by wilked
Wed Aug 17, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Home warranty of choice?
Replies: 13
Views: 887

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: 2021

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: 2021

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: 2825

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: 423

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: 598

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: 3237

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: 5722

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: 566

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: 1614

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: 1138

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: 2036

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: 2222

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: 2222

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: 2222

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: 2222

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: 2222

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: 2222

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: 6809

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: 2000

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: 2000

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: 2000

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: 6089

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: 5060

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: 5060

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: 515

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: 5060

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: 3522

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: 323

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: 1717

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: 5227

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: 3611

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: 7184

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: 1891

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: 12440

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: 4277

Re: Recommend a personal finance talk radio show.

Dough Rollers and We Study Billionaires are the two best I have found

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