Search found 152 matches

by kwarden13
Thu May 31, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Re: Another Car Keep/Buy Question

Thought I would update. So turns out I am $4k underwater. Carvana will give me $26,200 for my car and if I trade it, I at least don't pay taxes. They have a 2015 Subaru Legacy w/ eyesight w/ 53k miles and are asking $16k. Out the door and delivered I would be at $19k versus the $30k I currently owe....
by kwarden13
Mon May 07, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Re: Another Car Keep/Buy Question

I leased a new 2017 Subaru Outback Limited w/ Eyesight and Nav for $360 a month. I have 2 years to go on the lease and my buyout now is $30k and carmax offered $27,500. ...I am considering trading it in for a certified luxury sedan (Lexus or Acura), or a Toyota Camry/Avalon V6. These can all be fou...
by kwarden13
Sun May 06, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Re: Another Car Keep/Buy Question

You did not specify the residual/purchase value at the end of the lease. You would want to compare that with the cost of a different car with unknown history. Also, Subaru does not make a V6; they offer a flat or horizontially opposed 6-cylinder engine. Also, do you need all-wheel drive or not? The...
by kwarden13
Sun May 06, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Re: Another Car Keep/Buy Question

I'd suggest or in fact advise dumping your auto and its current debt&lease contract and finally realize ALL vehicles do in fact continuously cost money. How much is up to you! There are many variables. Fuel costs you consistently, maintenance & repairs for new autos cost more than older autos, (iir...
by kwarden13
Sun May 06, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Another Car Keep/Buy Question

I have received a lot of good advice on these forums and learned a lot about saving/investing. I made a stupid decision last year and did not take the advice of sticking with my current car. I leased a new 2017 Subaru Outback Limited w/ Eyesight and Nav for $360 a month. I have 2 years to go on the ...
by kwarden13
Fri Apr 13, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Re: Financing Grad School + Debt Question

. . . (T)his is not so she can advance per se nor would she get more money. She works in education and has had the same job for 10 years. She has no intention of switching careers, however, many of her peers have a masters or Phd so she feels behind. This puts things in a slightly different light. ...
by kwarden13
Fri Apr 13, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Re: Financing Grad School + Debt Question

I'm not really seeing how this is your problem, tbh. And it doesn't quite sit right. You have more debt, both dollar amount and as a percentage, than she does or will, makes less than you, and pays half the shared expenses? Are you OK if she turns around and says, "OK. I make 90K and you make 130K....
by kwarden13
Fri Apr 13, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Re: Financing Grad School + Debt Question

Just my opinion... Getting a grad degree that is fully or partially reimbursed by an employer sounds to me like a really, really good investment. Presumably, the employer would not be paying if they did not see some benefit, which on the face of it makes it seem as if they are likely to retain and ...
by kwarden13
Fri Apr 13, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Re: Financing Grad School + Debt Question

Grad school isn’t always a source of debt like undergraduate education. There tend to be assistantships for helping out with teaching duties of professors or be a part of their research. The latter tends to help with your academics and thesis/dissertations as well. These assistantships pay a modest...
by kwarden13
Fri Apr 13, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Re: Financing Grad School + Debt Question

What is the problem with putting it on the credit card and then getting it reimbursed? Alternatively, does she have an emergency fund she can use to pay cash until the reimbursement arrives? Is her $10K debt on credit cards charging interest? $2K or so shouldn't be a big deal to someone who is maki...
by kwarden13
Fri Apr 13, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 882

Financing Grad School + Debt Question

What to figure out if I am crazy with my thinking or being unsupportive. My fiance (we are both women) wants to go back to school this year. Her company will pay about 50% of the cost, however, she has to submit for reimbursement for each class. Background: We do not share our income and each pay 50...
by kwarden13
Wed Apr 11, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

It's about leverage, rather than naiveness. The kids with Harvard degrees are asking for Volleyball time because they have leverage, not because they don't know it's ridiculous. If you don't hire them, someone else will. That's power, and it comes with an Ivy degree. When you have an Ivy degree, yo...
by kwarden13
Wed Apr 11, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

I read some of this post, however, not every comment. I am following this because I find it very interesting to hear the perspectives. I went to a state school for both undergrad and post grad programs. I have a great job and work at one of the top 10 companies globally. However, I have bounced aro...
by kwarden13
Wed Apr 11, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

I read some of this post, however, not every comment. I am following this because I find it very interesting to hear the perspectives. I went to a state school for both undergrad and post grad programs. I have a great job and work at one of the top 10 companies globally. However, I have bounced arou...
by kwarden13
Mon Apr 09, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

What does this mean? Both do $18.5k into 401k? How about his/her backdoor Roth and his/her megabackdoor Roth? If you're doing all of that, you could be putting $121k into retirement accounts. His/her HSA = $3,450 each (since not MFJ), is another $6,900. If you both have 457b accounts available, tha...
by kwarden13
Mon Apr 09, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

Personal care is high. Therapy is generally medical not personal care. Travel per month is way high Gifts are high Groceries plus restaurant are high. This is just 3 months of data, so travel and gifts will go down over the remainder of year. I am not sure how others do groceries cheaper. I frequen...
by kwarden13
Mon Apr 09, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

MnyGrl wrote:
Mon Apr 09, 2018 1:57 pm
Is the 35K credit card debt or something else?
It is something else and I rather not go into great detail...I had a rough year. My father was dying and I had to take care of my mom and other medical expenses. The $35k is at 0% until January 2019.
by kwarden13
Mon Apr 09, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

Are you posting to see how you can cut back? If so that’s easy. What I would recommend though before I begin is to have a job for the fat you trim off, either savings, mortgage prepayment, car prepayment, wedding fund or mega vacation fund. Groceries are not too bad but there is some room for impro...
by kwarden13
Mon Apr 09, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

You don't say what your income or net worth is, so not sure if this is extravagant or within your means. The most obvious places to cut, if you want to make cuts, are Personal Care, Travel, Groceries/Restaurants, and Gifts. But you probably already knew that. 29 years old, fiance 32 years old, we m...
by kwarden13
Mon Apr 09, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Re: Posting My Expenses for 2018...

I guess compared to other friends/co workers we are seen as being cheap when in fact we spend a ton!! It just makes me wonder what kind of debt these people are in. We do not go out every week, however, when we do it is usually expensive. For example, went to Pittsburgh this weekend to see PINK - my...
by kwarden13
Mon Apr 09, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1668

Posting My Expenses for 2018...

I want to post my fiance and I's spending here so far for 2018. I often read Bogleheads and Mr Money Mustache, however, feel we are always overspending compared to people on some of the forums. From Jan 1, 2018 to Mar 31, 2018 this is the average of what we spent in each category per month. For refe...
by kwarden13
Fri Apr 06, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7171

Re: Your Monthly Cost of Living

Baltimore, MD
1. Housing: rent/mortgage/utilities - $2450
2. Transportation: car, insurance, license, registration, gas, maintenance - $1310 ( 2 cars, insurance, gas, and occasionally tickets/tolls)
3. Food: groceries, restaurants - $750
by kwarden13
Wed Mar 28, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 3021

Re: New 2019 RAV4 is now out - looks good

Definitely looks similar to a Subaru
by kwarden13
Sun Mar 25, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Good store for roller shades?
Replies: 15
Views: 1391

Re: Good store for roller shades?

JCP!! Their shades are easy to install and always super cheap. Never had an issue!

https://www.jcpenney.com/g/cellular-sha ... acZ1z140zj
by kwarden13
Sun Mar 25, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

So after all my research, I gave into an impulse purchase at Costco. It was a set from Greenpan for only $229 at Costco. It was tri-ply on the outside and ceramic inside. Also, the handles and such felt good to hold and we can return it at any time. I will keep this updated on how they look after se...
by kwarden13
Fri Mar 23, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5144

Re: Your favorite Florida beach??

Fort de Soto is by far the best beach....I am from Florida and had lived there for 28 years. I have been to every coast and that is my recommendation.

It costs $5 to get in and is on a preserve. They also offer kayaking and such. It's a hidden gem!!
by kwarden13
Fri Mar 23, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

I may just buy something cheaper this weekend and test it out. I really don't want to spend more than $300-$400 for saute pans, frying pans, and sauce pans. I cook pretty basic food and am now second guessing if I really need 'the best' pans. Demeyere seems great but I question why I really need to ...
by kwarden13
Thu Mar 22, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

Count me as another happy Vollrath Tribute user. They're not as pretty as the All-Clads, but they have all the features you need, and will survive commercial kitchens cranking out hundreds of covers every night at a fraction of the price. For nonsticks, I've had good experience with Calphalon, but ...
by kwarden13
Wed Mar 21, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

I'm in the market for some non-stick cookware with ceramic coating. I'm reading recommendations for scanpan here - a ten piece set would cost around $500 (https://www.williams-sonoma.com/products/scanpan-professional-nonstick-10-piece-cookware-set/?pkey=ccookware-scanpan%7Cscanpan-professional&isx=...
by kwarden13
Tue Mar 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

I found this when searching for rivetless design in cookware. Anyone have experience with this brand?

https://www.gunterwilhelm.com/5ply-stai ... are-11pcs/
by kwarden13
Tue Mar 20, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

So I went to BBB and the 20% is not good on Demeyere. Any suggestions on where to buy?

Thanks!
by kwarden13
Tue Mar 20, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 2528

Re: TV and set up recommendations for above fireplace

I hired a company to mount it off of thumbtack.com in my area. Cost me $100 and they hid all cables and such behind the TV. Looks flawless.
by kwarden13
Mon Mar 19, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

Ok so after lots of researching, I am still torn between getting an okay set for $300 or spending more for the Demeyere. Any recommendations for finding the best prices? Researching just keeps me going in loops because there are so many opinions and options. Demeyere seems to be best at Bed Bath and...
by kwarden13
Thu Mar 15, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13483

Re: 2018 Forester vs CRV vs RAV4

I cannot speak for the Forester but I love Subarus! I have a 2017 Outback Limited w/ Eyesight and it is unbelievable! I will forever own Subarus at this point since the technology, drive, and design are much nicer than Honda or Toyota, plus it has AWD standard. The drive really is better especially ...
by kwarden13
Mon Mar 12, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

So after looking I really don't need all the pieces. If I bought separately it is also cheaper since the ones I want are on sale at https://www.zwillingonline.com. I was mainly looking at Costco for the warranty aspect, however, assuming I bought from the manufacturer, they would honor the warranty....
by kwarden13
Sun Mar 11, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Re: Cookware Brands - Demeyere?

I'm deep in research for cookware right now (research is in my job description so it transfers to everything. A blessing and curse). That set is good. You are in buy it for life territory with that set. I've been eyeing the Demeyere Atlantis and 7-ply for my main cookware (11" fry pan, skillet and ...
by kwarden13
Sun Mar 11, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 3708

Cookware Brands - Demeyere?

I am deciding to buy new pots and pans because our non-stick is worn out yet again. Does anyone have any experience with Demeyere cookware? Also, any idea if the below is a good set? https://www.costco.com/Demeyere-Intense-9-piece-5-ply-Cookware-Set.product.100391994.html I am trying to stick to Cos...
by kwarden13
Sun Mar 04, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Blinds- where did you get yours?
Replies: 15
Views: 1274

Re: Blinds- where did you get yours?

JCP has blinds online that you can custom order. They are normally 40-60% off and you can buy JCP giftcards at cardpool plus use a cashback site. I bought blinds for 10 windows and spent maybe $300 total....and they are custom fitted. Below are the ones I ordered. https://www.jcpenney.com/p/jcpenney...
by kwarden13
Wed Jan 31, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3127

Re: Refi After 1 Year?

Thanks everyone for your help! We signed the mortgage refinance yesterday and it was quick painless process.
by kwarden13
Fri Jan 26, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 3736

Re: How Long For Mortgage Term?

Why not do the 20 year for some breathing room, but still better rate and less interest than the 30 year?
by kwarden13
Wed Jan 24, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3127

Re: Refi After 1 Year?

This is not the correct comparison, because dollars paid later are less costly than dollars paid now. If you reduce this year's payment, you can contribute the difference in payments to your IRA or 401(k), where it will grow. To get a more fair comparison, see what happens if you make additional pa...
by kwarden13
Tue Jan 23, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3127

Re: Refi After 1 Year?

In your current situation, at what point would PMI be discharged? Basically, without PMI, they're both the same monthly cost (you'll either pay the escrow shortage now or roll it into the new loan and pay it eventually plus interest). Essentially, the difference is the $24k or so you'll pay over th...
by kwarden13
Tue Jan 23, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9663

Re: Working in the real world

Some of us do get lucky. I am 29 and worked my a$$ off when I first graduated. Also, was not stuck on a specific job/role in a company. I took many different jobs in order to progress. For example, started in finance, then learned databases and went to hr systems, then back to revenue management whe...
by kwarden13
Tue Jan 23, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 3605

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

I felt compelled to reply to this thread since I see so many of them about technical paths. Taking a course is not going to automatically result in more money and an IT type job. It will be difficult to make six figures without a bachelors at least. I have a masters in engineering, an mba, and 10 ye...
by kwarden13
Mon Jan 22, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3127

Re: Refi After 1 Year?

The numbers in your first option don't add up, so I can't figure out how to compare your two options. In the first option, you list a payment of $2,869.39 broken up into numbers that sum to $2665.59. Is $2665.59 the correct monthly amount or is one of the numbers in your breakdown incorrect? Sorry ...
by kwarden13
Mon Jan 22, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3127

Re: Refi After 1 Year?

I missed your post on the 15 year option. Yes, if you can lower your rate, save money overall, shorten the duration of your loan, and meet your cash flow needs, this would be the best option. Usually, shorter loans, even with lower interest rates, carry higher monthly payments. I'm surprised you ca...
by kwarden13
Thu Jan 18, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing real estate in Philly
Replies: 13
Views: 1435

Re: Purchasing real estate in Philly

The properties I'm looking at: -1/2 BR within 2 miles of Center City, costing upwards of 400k (maybe 450k). I know 400k would be on the high end of things, but I think I can make it work even on a 15-year. -Ideally a place I could rent out after living here for a while (I'd assume that a 1BR would ...
by kwarden13
Thu Jan 18, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2524

Re: Take a 401k Loan?

Same here. I actually don't have any restriction on not being able to contribute and it does not say anything about if employment is terminated. States LOA payback is deferred the whole time.
by kwarden13
Thu Jan 18, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2524

Re: Take a 401k Loan?

I don't really see the issue with taking a 401k loan. Many people are saying to lower 401k contribution down to matching and pay off debt. If he does that he would miss out on contributing the max for this year. He can never get that back. It seems like its better to borrow 20k at a decent interest...