Search found 35 matches

by bds3
Tue Mar 19, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Patio Design Input Needed
Replies: 9
Views: 729

Re: Patio Design Input Needed

I assume the light blue is house? if so extend the whole patio to the edge on the bottom side (bottom of the image you posted I mean) of the area around the fire pit. Like what's outlined in white on the bottom right, but also do it on bottom left to make the whole side square.
by bds3
Sun Feb 10, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 6213

Re: Did you investigate your partner's financial background before committing?

runner3081 wrote:
Sun Feb 10, 2019 1:30 pm
Yes, STD screening, criminal background and financial credit checks.

We did those things mutually, wasn't one way.

This is a life long commitment (well, 50% of them are), why wouldn't you?
Agreed. I actually do this with all my friends. You can never be too careful.
by bds3
Sat Feb 09, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How much would you contribute to retirement if you max your 2019 contributions?
Replies: 43
Views: 3126

Re: How much would you contribute to retirement if you max your 2019 contributions?

Between me and wife:

19k Roth 401k
93k 401k
12k Roth IRA (backdoor)
7k hsa

So 131k, 31k of which is Roth.
by bds3
Sat Jan 05, 2019 4:08 pm
Forum: Personal Investments
Topic: Equity-only investment allocation recommendations
Replies: 3
Views: 223

Equity-only investment allocation recommendations

I have high risk tolerance and have no interest in bonds at this time, so please don't bother trying to recommend any. I am looking for stock index fund recommendations for my Roth IRA and HSA. I am interested mostly in Vanguard but am open to other options as well. S&P500, total stock market, small...
by bds3
Sat Nov 03, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6682

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Forget the A6. S5 sportback for less. Or if you're gonna splurge, bump that splurge up a notch: S6.
by bds3
Wed Sep 26, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 5095

Re: Ventilated car seats?

livesoft wrote:
Sun Sep 23, 2018 6:11 pm
I don't see how sucking is going to help, but I see how blowing can be helpful.
I wouldn't turn down either.
by bds3
Wed Aug 09, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 10104

Re: kids think lazy if retire?

My dad worked incredibly long hours most of my childhood and then basically retired in his early 50s when I was a teenager. I didn't really think much about it at all. If anything I was happy for him that he got to start golfing more.
by bds3
Tue Apr 04, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 36
Views: 3802

Re: Buying House with Odor (not cigarette)

Pass and don't look back.
by bds3
Tue Apr 04, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 9585

Re: Help with college choice

Some background about me to put my answer in context: I was valedictorian of a large high school and a multi-sport all-state athlete. I was accepted into every school to which I applied, from state schools to ivy league. With academics + athletics, I had the numerous options for free college. Curren...
by bds3
Tue Mar 07, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Can a cordless Reciprocating Saw do the job of a small chainsaw?
Replies: 30
Views: 12016

Re: Can a cordless Reciprocating Saw do the job of a small chainsaw?

No.

If you need to cut one small branch, it'll probably do just fine. Larger or numerous pieces of wood, the chainsaw is much better. Gas. Stihl. Echo is ok too.
by bds3
Thu Mar 02, 2017 11:12 am
Forum: Personal Investments
Topic: Balanced index fund or Wellesley for a "set it and forget it" newbie?
Replies: 19
Views: 3440

Re: Balanced index fund or Wellesley for a "set it and forget it" newbie?

What checking account do you have earning 2.65%??
by bds3
Tue Feb 28, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 6508

Re: Grass trimmer

Having previously worked in lawn care for 5 years, I will never own anything other than a gas, straight shaft string trimmer. One of two brands: Echo or Stihl, both are fantastic.
by bds3
Sun Feb 26, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs student loans
Replies: 32
Views: 2315

Re: Mortgage vs student loans

I'm about to finish residency and will increase my salary to around 200k/year. I'm buying a house (320k total with 20% down). I'm trying to decide what type of mortgage to take based on paying back student loans during the same time frame. I'm not sure how long I will be in the house but could see ...
by bds3
Tue Feb 14, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 6920

Re: Where to buy rare steaks?

1. Go to a better supermarket.

2. Stay where you go now and ask where they get their beef and how often they get shipments.

3. Go to your local butcher shop.
by bds3
Sun Feb 12, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 8619

Re: Kitchen cabinets

We've had white cabinets for 5+ years and they are perfectly clean, and we have little kids. Those cabinets you posted are not necessarily dated. Full overlay or--even better--inset cabinets help keep the look more modern regardless of color, as do the clean lines of the detailing. The hardware make...
by bds3
Fri Feb 10, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 24098

Re: Why do you go to restaurants?

Most of the time a restaurant is a convenience thing (long day for wife and I and poor planning leaves few options for food to cook at home). Probably once a week, places like Panera, Noodles & Co, simple places like that. Not a great financial decision but it's reality for us. When I go to fancier ...
by bds3
Sun Jan 29, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 7518

Re: Sump pump and power outage

I had a battery powered backup sump pump. My basement is below the water level of an adjacent pond and in one particular very rainy outage my backup pump was running every 10 minutes or so. It lasted for 3 days until the power came back on. I'm not an electrical engineer but running for 10 seconds ...
by bds3
Sun Jan 29, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 7518

Re: Sump pump and power outage

Some of the suggestions already mentioned may work but it depends on factors. The battery back-up idea may work if the water comes in very slowly. If it comes in fast a battery will quickly lose its power. I lived in an old home once where the sump pump had to run every 15-30 minutes depending on h...
by bds3
Sat Jan 21, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 6540

Re: Medical Charges vs Contract Price - Non Covered Work

First off congrats on the baby. As other have said, but just to reiterate, physicians do bill everyone the same. If they billed you less, it would be fraud. $150 is likely less than what they want and what they think they deserve for the service, but if it was coming from the insurance company that ...
by bds3
Sat Jan 14, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 4757

Re: Stay in paid-off starter house vs. dream house+work a few more years

I would buy it for sure. You say you're 30-something and will be able to retire (or be FI) in a few years. Do you want to retire in a few years? Because if you like your jobs and plan to work until you're 65, then it doesn't matter quite as much if you "have to" work until you're 45 instead of 42 to...
by bds3
Thu Jan 12, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 15885

Re: How much do you typically spend in a restaurant?

We often get near $100 for the two of us, medium cost of living area. 2 entrees, maybe an appetizer, and 2 drinks for me and one for her. We can be at 60 depending on the day and place, but we could also be over 120, albeit rarely. The difference maker is the drinks and appetizers, obviously. I also...
by bds3
Wed Jan 11, 2017 9:44 am
Forum: Personal Investments
Topic: Help me decide if I should Invest or Payoff Loans?
Replies: 15
Views: 2060

Re: Help me decide if I should Invest or Payoff Loans?

Pay off the student loan. Today.

Stop trying to time the market. What if it keeps going up? You'll wish you would've gotten in now.
by bds3
Tue Jan 10, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 3191

Re: Ways to charge money on Credit Card

Bill paying via credit card is nice, but I prefer how they do bill payments where I am now. You take your bill that you receive in the mail and take it to the nearest 7-12 or equivalent (of which there are many, many) and pay cash for your bill there. For me, much easier. How is this easier than on...
by bds3
Mon Jan 09, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 3191

Re: Ways to charge money on Credit Card

I have all my monthly bills autopay to my credit card. Utilities, cell phone, cable, insurance, etc.
by bds3
Mon Jan 02, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 48783

Re: Whats your number to walk away?

$10M. $10M to go. I'm 30.
by bds3
Sun Jan 01, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 4985

Re: Audiophiles help me with setup

Do you have an existing receiver/speaker setup? If so you can hookup to Sonos connect and control everything with your device, over wifi (I hate Bluetooth). If you have speakers but no receiver you can do the same with the Sonos Amp. If you have nothing and don't want to deal with separate speakers,...
by bds3
Sat Dec 31, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: When is it "OK" to get a car loan?
Replies: 42
Views: 4763

Re: When is it "OK" to get a car loan?

I don't really have anything to contribute to this thread other than I would like/wish to be a car guy. The bad news is that I'm 6'5 and finding a car that fits me is a pain. I sat in a Porsche once and almost had to get help getting out of it. Sports cars are NOT designed for tall guys. :| I'm als...
by bds3
Fri Dec 30, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home for the first time (mortgages!)
Replies: 13
Views: 3029

Re: Buying a home for the first time (mortgages!)

Your profession puts you in an advantageous position for loans, so don't forget about the physician mortgage loan. The larger banks that have them in each state can be found on some websites (just do a google search), otherwise ask your colleagues and they may know of some local banks as well. The b...
by bds3
Wed Dec 28, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 11354

Re: Are there any benefits to achieving "great wealth"?

I have achieved what I consider "great wealth". [...] I won't spend mine. You haven't achieved "great wealth" if you're afraid to spend any of it. You've achieved a middling amount of wealth, since you're worried that buying a stereo system might affect your wealth level. (Which, by the way, is tot...
by bds3
Mon Dec 26, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 16236

Re: At what age, income, and NW would you buy a $50k car?

Barring disaster, in 5 years (at age 35) I will have well more that $400K income, but less than that $2M NW, and no debt but mortgage. I will absolutely buy a $50K car. In another 5-8 years when I have a good chunk--if not all--of kids' college paid for, my next car will be in the range of $80-$100K...
by bds3
Mon Dec 26, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 7666

Re: Is it possible to graduate from college in 3 years?

It's very possible. I didn't have an engineering degree as many have discussed so that may be an exception, but I had a science double-major with mathematics and accounting minors. I started college with 42 credits, no summer school, and played a Division I sport. During the season I took 12 credits...
by bds3
Wed Dec 21, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 6613

Re: Quartz versus granite

Quartz, without a doubt. The only reason to get granite over quartz (for the average consumer) is if you absolutely love a specific granite look and there isn't a similar enough quartz option.
by bds3
Wed Dec 21, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: housing options-- stretch for schools?
Replies: 37
Views: 3021

Re: housing options-- stretch for schools?

This has probably been said but I didn't read every single post before me. IMO the metrics you can find online for schools--and the rankings/ratings--are more often a function of the student body than the quality of the school. I was raised in a city of ~1M people. My school was the worst in the dis...
by bds3
Wed Dec 21, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Priorities - Insight Please
Replies: 39
Views: 7317

Re: Debt Payoff Priorities - Insight Please

I just refinanced student loans with DRB for 4.25% fixed 7 years. I plan to pay off sooner than that but the interest rate wasn't much lower for 5 year and there's no prepayment penalty. You could look into it since SoFi wasn't great for you, and if you don't mind another inquiry on your credit.
by bds3
Wed Dec 21, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Interest Deduction
Replies: 23
Views: 3123

Re: Mortgage Interest Deduction

I've used the home office deduction every year for the past several years. It has to be exclusive use, and if it is, you should absolutely use the deduction. You can go through the trouble of calculating if the traditional or simplified way will be better for you, but I can tell you that with 500 sq...