Search found 41 matches

by sjt
Fri Jun 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1339

Re: Masonry Wood-Burning Fireplace Issues

Any interest in looking at a wood stove? Obviously not the same ambiance as an open hearth fire, but as a bonus, they are efficient and can provide heating. All combustion would happen inside the stove, and exhaust would travel through a metal tube placed inside your existing chimney. http://www.ver...
by sjt
Thu Jun 07, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3333

Re: Found an FSBO home for sale. How to avoid Realtor?

However I don't know how to proceed. I suspect that once we start 'working' with the realtor any house we find will somehow be claimed by them. They'll want a finders fee (2-3% of sale price.) What to do? Email the owner privately and see if we can view the house? Maybe make a deal before even look...
by sjt
Thu Jun 07, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1339

Re: Masonry Wood-Burning Fireplace Issues

We recently had an inspection of a recently purchased chimney (was included with purchase of house). House and chimney were built in 1978, and inside is lined with fireblock. They swept it and used a camera to inspect the interior of the chimney, and they were able to show me the holes and deteriora...
by sjt
Wed Mar 28, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13704

Re: Healthy eaters -- is this grocery budget normal to you?

Anyway, we do eat lots of meat! OK - that may be the key to your higher costs. "The science says" high consumption of meat is very unhealthy - so you are paying a premium to harm your health. Your choice - but no longer mine. What science says this? I eat 3 lbs of lean ground turkey, 2.5 lbs of chi...
by sjt
Tue Mar 27, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Anything else we should be doing to be ready for retirement or increase wealth?
Replies: 33
Views: 3919

Re: Anything else we should be doing to be ready for retirement or increase wealth?

We know there is a link to the preferred format somewhere, but we can't locate it. Below is my best estimate of what the format requires. Both husband and wife are 33. Total household income: $135,000 - $75,000 for husband and $50,000 for wife. Take home pay is a total of about $7,253/month. This i...
by sjt
Thu Mar 22, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Much gratitude!
Replies: 5
Views: 519

Re: Much gratitude!

Congrats! It seems that some people dislike these type of posts, but they inspire me to reach my goal - thanks for sharing!
by sjt
Thu Mar 22, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7794

Re: What Budget? Do you keep one?

We use an incredibly simple budgeting app that both DW and I can update called "goodbudget". This mostly accounts for our discretionary / credit card spend (repeating monthly costs like mortgage, childcare, utilities are not tracked on our budget since we have little to no control). We have differen...
by sjt
Thu Mar 22, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 31
Views: 2684

Re: Student Loan Repayment

This requires soul searching about where to cut and what parts of your lifestyle you can part with. It's really hard to lower your standard of living, which is why people recommend living like a student until you've finished the loans off. Quoted for truth. To be honest, I typed up two responses ye...
by sjt
Wed Mar 21, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 4682

Re: Buying vs renting - really tough decision to make

Because, when you buy a house, you gain equity. Therefore, all other needs/emotions being equal, sometimes it's advantageous to buy a house vs renting. This is what I'm hoping somebody understands. OP: I bolded one of your statements here. You are correct that Sometimes it is advantageous to buy. S...
by sjt
Thu Mar 08, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3476

Re: Advice re: Flat Fee Real Estate Brokers.

I did this last year - Houses in Raleigh area are selling like hotcakes. I did the market research, took all the photos with our Canon DLSR, and paid $500 to a local flat fee realtor with good reviews. He listed on the local MLS and provided a lawn sign and lockbox for the door. The realtor worked w...
by sjt
Tue Mar 06, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to HSA or wife's IRA?
Replies: 6
Views: 585

Re: Contribute to HSA or wife's IRA?

I think it's two different animals - Roth IRA is post tax, but withdrawls are not taxed, and contributions can be withdrawn tax free even before retirement age. HSA is pre-tax (like a 401k) and money can be used to pay for medical expenses without being taxed, but cannot be withdrawn (before retirem...
by sjt
Fri Feb 23, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Time for twins to go to daycare
Replies: 38
Views: 2917

Re: Time for twins to go to daycare

Related, have you explored the option of Dependent Care FSA for the tax benefit? As a father of twins who just turned 4, I know where you're coming from. Darth Xanadu makes a great point - explore a Dependent Care FSA for childcare through your employer. I believe mine is capped at $5000 annually b...
by sjt
Wed Feb 14, 2018 4:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 2361

Re: Forum's 11th Birthday - Feb. 19th

It's also my 33rd birthday. Happy birthday forum and me! Thanks for infusing my young impressionable mind with excellent investing wisdom!
by sjt
Thu Jan 18, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4062

Re: How do you adjust side mirrors in a car?

When I lean my head to the left, I should just barely see the side of the car in the driver side mirror. Adjustment of the passenger side is similar :sharebeer
by sjt
Thu Nov 16, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 819

Re: Critique my beginner IRA portfolio

joysbreath wrote: ↑
Thu Nov 16, 2017 1:35 pm

FID 500 INDEX PR (FUSVX) Large Cap 0.035%
Dump it all into this one
by sjt
Thu Nov 16, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: my high fee 401k plan/my investments
Replies: 13
Views: 1319

Re: Question re: my high fee 401k plan/my investments

However, I've been reading this forum and realized that I probably am losing future growth due to the high fees. Would I be better off just putting 100% of it into the .20% S&P 500 Stock Index Fund? YES I've read about the 3-fund approach and I am trying to mimic it to an extent. I want to have aro...
by sjt
Mon Oct 30, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 11628

Re: we bought a house - are we housepoor now?

Who cares if there is a recession? I am in this house for the long term. I'll be 44 in 10 years. At that time the outstanding debt on the house will be about 400k in todays dollars assuming 2% yearly inflation. I'll be in a position to potentially pay the entire house off at that time. I'd love ano...
by sjt
Fri Oct 27, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill
Replies: 16
Views: 1496

Re: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill

That helps a lot. You may wish to consider the small towns around the south side of Raleigh: Cary, Garner, Fuquay-Varina, Clayton. Durham is on the opposite side of Raleigh from your family. Chapel Hill/Carrboro, while awesome for living in, is also further away and will probably be too expensive f...
by sjt
Fri Oct 27, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4956

Re: How to get over the fear of traveling without spouse and children?

How would you feel if your children traded life experiences for safety? Would you want them sitting home on the couch instead of going out and living life? Experiences in life come with risk - as most others said, air traffic is relatively safe. 2016 saw 325 deaths from plane crashes - I wonder how ...
by sjt
Fri Oct 27, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill
Replies: 16
Views: 1496

Re: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill

I currently rent in Cary and just placed an offer on a house here - it meets many of the criteria you list. Cary is sprawling and there are many different neighborhoods - also centrally located / convenient to much of the area. You mention walking paths - check out the Cary greenway maps. You should...
by sjt
Fri Oct 20, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 6306

Re: I have to fire someone that I care about personally

Is this a real question - because it seems like the plot of a movie or something. I guess you need to decide for yourself what's more important to you. Staying true to your music and your friends, or money / fame / greed / selfishness.
by sjt
Thu Oct 19, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my finances pls! - 23 years old
Replies: 8
Views: 1079

Re: Help me evaluate my finances pls! - 23 years old

Food: $700 (Even though I budget 25/day, I definitely don't always use 25/day, so it kind this figure kind of covers some discretionary eating-out as well) Gas: $200 You may have a bit too much allocated in these categories. We budget $800/month for a family of 4 (and often spend less) and $200/mon...
by sjt
Thu Oct 12, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 4483

Re: Need help investing $1M in today's market

You made a killing on your RE investment - now simply invest it according to your target AA. Flip it around- if this amount was invested at your target AA currently, would you sell it and re enter the market through DCA?
by sjt
Thu Oct 12, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 50
Views: 8145

Re: Will it be a mistake to buy VTSMX today?

I should have specified more. I'm speaking specifically about maxing out 401K vs contributing to taxable account. I'm intrigued by the taxable account as I have a 1 year old daughter and plan on having 2 more children. Taxable account would help with weddings and other miscellaneous expenses 25 yea...
by sjt
Thu Oct 12, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 50
Views: 8145

Re: Will it be a mistake to buy VTSMX today?

Most likely a silly question here but are we all assuming that 401K and IRA are maxed when investing in after tax dollars? Not necessarily - I have a taxable account and I'm not maxing my 401(k) - it depends what you plan to use the money for - Retirement? Future hosue fund? Car fund? I'm currently...
by sjt
Fri Oct 06, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 5687

Re: Too much house? (nervous 1st time buyer)

Every person I've known who bought a home as a single person and then eventually got married ended up selling the home and buying together. EVERY PERSON. OK, but it still may be better to buy... #3: The housing market is super hot right now. I'm not a soothsayer with a crystal ball, and I don't kno...
by sjt
Thu Aug 31, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Valuation of Private Business in Net Worth Calcuations
Replies: 18
Views: 1055

Re: Valuation of Private Business in Net Worth Calcuations

My wife will likely receive a small percentage (1%) of three companies that are all private companies. The majority owner values these three companies between 100m and 75m. They are not worth that.
Perhaps you could convince the majority owner to purchase your shares for 1% of 75m?
by sjt
Thu Aug 31, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Do we have a toilet problem? Or drain line?
Replies: 7
Views: 797

Re: Do we have a toilet problem? Or drain line?

If it's still working OK, I would continue to use it. Maybe take the tank lid off and see if there is anything jolting around in there - see if you can correlate the clunk with movement of some component. Regarding the drain snake - be careful if it's just bare metal - it can scratch the porcelain (...
by sjt
Fri Aug 18, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: USAA Closing my Roth - Question on Account Closing Fee
Replies: 10
Views: 2393

Re: USAA Closing my Roth - Question on Account Closing Fee

I imagine USAA would be better able to answer your question.
by sjt
Thu Aug 17, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 14919

Re: Is it worth it?

DW and I are in early 30's, work 9-5 jobs and still wish we had more time with our kids. The way we see it, our careers are important, but parenting is the most important job.
by sjt
Thu Aug 10, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 21113

Re: Life at crossroads. What would you do ?

David, Concerning to me is how much you base your life around your career. If you truly enjoy IT work then you should take a job for less money. Otherwise, I think you have enough money saved up to move to a lower COLA and find some other work or volunteering that has meaning to you - giving back to...
by sjt
Wed Aug 09, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 21113

Re: Life at crossroads. What would you do ?

- You now have a job at a startup. The mission of the startup is to find you an appropriate job. Work long hours, network, hustle. Don't just work your own connections but make new ones. Talk to a recruiter. Have someone review your resume and give you some interviewing practice/feedback. Work at a...
by sjt
Tue Aug 08, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2341

Re: Question for Buick Verano (non turbo) or Mazda3 owners

Sometimes when I read car threads on this forum, I get the impression that no one ever has a good experience with American cars. I've had four; a '67 Mustang, a '83 Camaro, and two Pontiac Grand Prix, '90 and 2002. Had good results with all of them. I concur. American metal is often overlooked. The...
by sjt
Tue Aug 08, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2834

Re: Advise on house selling

We just sold our house through a local Flat Fee MLS service ($500). Closing is in an hour and a half - it was quite simple, we took great photos, ensured house was decluttered and clean, and whipped up a basic description. We offered a buyers agent commission (2.5% is standard in this area) and ende...
by sjt
Thu Jul 27, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 7604

Re: BMW Z3 or Z4 or nothing at all?

alfaspider wrote: Plenty of people said "wow, nice Miata" about my... Miata.
This was my experience as well. OP: If you want a great roadster that is fun to drive and easy on the wallet, go with the Miata. If you want a car to drive to the club and impress your golf buddies, go for the BMW badge.
by sjt
Wed Jul 26, 2017 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Investing small amounts, monthly, wisely, humbly seeks advice.
Replies: 12
Views: 1653

Re: Low income earner humbly seeks advice.

I have about 10k in a saving account with basically 0% interest return and am able to save $500-$1500 every month. I recently opened an online investment account. Would greatly appreciate any advice where to invest $500-$1500 monthly. Do I invest my savings monthly, do I accumulate a few months tog...
by sjt
Tue Jun 20, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Can this air compressor be saved?
Replies: 7
Views: 1233

Re: Can this air compressor be saved?

Aude, Hopefully a real electrician / engineer can chime in here, but I believe what happens is a high amperage draw when you connect multiple cords together. You risk damaging the motor of the compressor also. There will be a significant voltage drop to more cords connect together due to the resista...
by sjt
Wed Jun 14, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 19236

Re: Poll: 401K Match

Did anyone notice that Poppinjay used their first post to bump a 9 year old thread?


Anyway - my employer matches 1:1 up to 6% of salary, but they additionally contribute 3% regardless (since they ended the pension program years back)
by sjt
Tue Jun 06, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 4242

Re: Trailer Towing Tidbits?

Google tells me towing capacity for this vehicle is 6600 lbs. No doubt they have a built in safety factor too! Don't sweat it.
by sjt
Tue Jun 06, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 269
Views: 31430

Re: KF's Worst Case Retirement Plan [KlangFool's]

KlangFool,

I don't have much to add except that I enjoy your posts. It's interesting to read the responses on this thread, and compare with other retirement sites (ahem, MMM). Bogleheads are quite conservative, but there is wisdom behind it. I will be interested to see what happens going forward!
by sjt
Fri May 26, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 24
Views: 2964

Re: Havings twins

Long time lurker, felt need to create an account to reply to this thread. My wife and I are 32 and have 3 year old twins (our first and last children). There are a lot of expenses and you will be fine taking a few months off. We had complications on the other end of pregnancy, delivering preterm at ...