Search found 970 matches

by daheld
Wed Sep 30, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I/Should I Stop Working (Child Care)
Replies: 19
Views: 1373

Re: Can I/Should I Stop Working (Child Care)

It seems to me that you are conflating two facts that may not be related: your job dissatisfaction and your children’s special needs. Why not tackle each of them separately? When I first read the OP, I was thinking "enjoy the time with your kids; you can quit your job". The more I think about it, I...
by daheld
Wed Sep 30, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Starting a Vineyard
Replies: 20
Views: 1506

Re: Starting a Vineyard

Trying to get into the vineyard/winery business with absolutely no experience is basically a surefire method to losing every penny you invest. A very few people get lucky and wind up with something that's a viable business. Most lose everything, like most who start a restaurant. I am friends with so...
by daheld
Wed Sep 30, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Six Figure Student Debt
Replies: 38
Views: 2785

Re: Six Figure Student Debt

You've already gotten a lot of good advice, and I hope I can add to it. First off, you're in an incredible amount of debt at a very young age. BUT , you're here asking about it and being proactive. That makes it obvious that you're responsible and diligent and want to have a bright financial future....
by daheld
Tue Sep 29, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2645

Re: Vacuum for mostly hardwood floors...

So I was similarly looking to buy a good quality vacuum while back for a mostly hardware/tile house. Ended up getting a decent Riccar from a vacuum store. But since then we also bought one of the robot vacuum's (specific a Roborock S5 from Amazon refurbished for $320) and honestly if we run that th...
by daheld
Tue Sep 29, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: New Roof leaks - roofing company unresponsive
Replies: 9
Views: 1260

Re: New Roof leaks - roofing company unresponsive

Was the initial re-roof an insurance job? If so, I'd be pestering my insurer to call the roofing company. I don't know the intricacies of insurance, but I'd imagine an insurer would not be thrilled with sub-standard work being done on a job they're paying for.
by daheld
Tue Sep 29, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2645

Re: Vacuum for mostly hardwood floors...

Thanks all for your helpful suggestions! We have a lot of options to review. We're thinking we'll keep an eye out for Black Friday sales and maybe get a deal on one of the suggested vacuums.

Thanks again!
by daheld
Mon Sep 28, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2645

Vacuum for mostly hardwood floors...

First, yes, I've used the search function. It's been a few years since there's been a topic closely related to what I'm looking for. We have a 2,100 square foot ranch home. Main level is 100% hardwood, and we have a few area rugs. We have a pretty typical $100 or so vacuum that's intended for carpet...
by daheld
Tue Sep 22, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4227

Re: Your recent experience of visiting a dentist

This thread is eye opening My wife & I are avoiding the dentist until 1) we get our COVID vaccines, or 2) we start feeling tooth pain, whichever comes first. Same here. My wife is cutting my hair until there is a vaccine. Dentist and haircuts are the top two things that get me in close contact for ...
by daheld
Fri Sep 18, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

Pulled the trigger this afternoon and cancelled. We'll see. Cancelled Pest Control too and will tackle that on my own just spraying perimeter. Decided I can just put that money towards savings specific for any service calls I may need on anything in the future. Lot of good information shared by eve...
by daheld
Fri Sep 18, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I help my mother pay off debt?
Replies: 31
Views: 2160

Re: Should I help my mother pay off debt?

I agree that it's a decision you and your wife should make mutually, but my opinion is that if your mom needs the help and you are capable, it's a perfectly benevolent and considerate thing to do.
by daheld
Thu Sep 17, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 64
Views: 4731

Re: Relocation - CO considerations?

I live in a place not unlike Indiana. Medium sized metropolitan area in the midwest. I am not leaving--my family is two hours away and we've established our lives here. All that said, if there's anywhere that could ever make me change my mind, it's Denver. If family and personal commitments allow yo...
by daheld
Thu Sep 17, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Electrical help/suggestions
Replies: 22
Views: 1283

Re: Electrical help/suggestions

It's hard to tell just from your description, but it might be helpful to add a few more outlets and deck lighting. I have one outdoor outlet and probably 6-8 in my garage, and they get used way more than I imagined. The one that's outdoors is right on our patio and it is so helpful when we want to p...
by daheld
Thu Sep 17, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

Coils and drain pan both look completely normal. The rust just happens. Those coils are super cold and have warmer air blowing over them, which causes condensation. The rust is inevitable. The pan will also get some rust, and the water will sometimes get slimy, and keeping that pan and drain line cl...
by daheld
Wed Sep 16, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

The A Coil is in the chamber above that. I don't see "three metal circular things." They're just above the black gas line that runs horizontally across the image. You sound as though you're very familiar with furnaces, given that you know exactly where the A coil is, so I assume you know what a fur...
by daheld
Wed Sep 16, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4627

Re: what do others pay for umbrella insurance, and is it needed?

Two adults, married, one nearly two year old child. Bundled with home and auto, $1M umbrella: ~$200/year.
by daheld
Wed Sep 16, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

Got it. I can turn to YouTube if I really want to take a look at that and check it out but I don't even think the HVAC guys look at that when they're here so may be completely optional. The only reason you'd really need to open it up is to check the back side of the condensation drain tube, which i...
by daheld
Wed Sep 16, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

Thanks. This is kind of what I was thinking. I've become less enthralled with the company. A year or two ago, not within a week after the Furnace fall service, the motherboard went out on one of our furnaces, then a few months later something else happened on our other furnace that wasn't quite as ...
by daheld
Wed Sep 16, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

Thanks. This is kind of what I was thinking. I've become less enthralled with the company. A year or two ago, not within a week after the Furnace fall service, the motherboard went out on one of our furnaces, then a few months later something else happened on our other furnace that wasn't quite as ...
by daheld
Wed Sep 16, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3270

Re: HVAC Service Contracts & Annual Service

I've read some old threads and done some googling but seem to get conflicting advice. From old Boglehead threads I see all you need is - 1) Change your filters regularly 2) Spray the coils on the AC in Spring 3) Keep condensate drain line clean That pretty much sums it up. Read something on Clark H...
by daheld
Wed Sep 16, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 934

Re: Furnace / Air Maintenance and Covid-19?

You don't need to pay for annual furnace maintenance. As lthenderson said, if it's just a typical forced air system, it's a simple setup that does not require much maintenance. Keep a clean filter in it, pull the covers off every year or two to make sure things aren't super dirty and the condensate ...
by daheld
Fri Sep 11, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Realistic Home Buying Budget
Replies: 25
Views: 2445

Re: Realistic Home Buying Budget

We live in a similar area, a suburb of a midwest city--LCOL to MCOL. We make a little more than you, about $165k combined. Also a federal employee. We have a lot in common. I would not buy a $450k house. We bought a couple years ago, and bought a ~$300k home. If you're planning on private schools a...
by daheld
Fri Sep 11, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Realistic Home Buying Budget
Replies: 25
Views: 2445

Re: Realistic Home Buying Budget

We live in a similar area, a suburb of a midwest city--LCOL to MCOL. We make a little more than you, about $165k combined. Also a federal employee. We have a lot in common. I would not buy a $450k house. We bought a couple years ago, and bought a ~$300k home. If you're planning on private schools an...
by daheld
Thu Sep 10, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: How to watch Football (NFL/NCAA) this Season ?
Replies: 21
Views: 1355

Re: How to watch Football (NFL/NCAA) this Season ?

Just noting here something I learned about this as it relates to local channels, specifically ABC. We dropped our DirecTV a while back, went some months without anything. Finally a few months ago I got Sling because I wanted to watch the NBA playoffs. We also have an OTA antenna, but it will not pul...
by daheld
Thu Sep 03, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 20
Views: 813

Re: Do I need life insurance?

Do you financially support someone who will need that support once you're gone? If the answer is no, then you don't need life insurance. If you marry and have kids, then I'd say you need it.

You can absolutely beat that monthly premium. I pay about 1/3 that for a 20 year, $750,000 policy.
by daheld
Thu Sep 03, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Insulation and air sealing quote - does this seem reasonable?
Replies: 18
Views: 1195

Re: Insulation and air sealing quote - does this seem reasonable?

$800 electric bill is far and away the most insane utility bill I've heard of for a normal sized single family home. Where are you?
by daheld
Wed Sep 02, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: College financial advice for undecided rising high school senior
Replies: 71
Views: 3754

Re: College financial advice for undecided rising high school senior

I mean this completely respectfully and not at all in jest: considering the characteristics of your daughter that you've just laid out, I would say that, to a large extent, the details aren't that important. She is obviously very smart, self-motivated and of high character. That will take her very f...
by daheld
Wed Sep 02, 2020 1:37 pm
Forum: Personal Investments
Topic: Portfolio Review...it's been a few years, and I have some questions.
Replies: 12
Views: 810

Re: Portfolio Review...it's been a few years, and I have some questions.

Here's a quickie idea. There are thousands of ways to set this up, but we don't know your preferences at this point . This is just one idea of what could be done. Portflio = $675k Taxable Brokerage 21.9% $148,000 21.9% Total STock Index His TSP 19.3% $130,000 9.3% C Fund (500 index) 10% F or G fund...
by daheld
Wed Sep 02, 2020 11:09 am
Forum: Personal Investments
Topic: Portfolio Review...it's been a few years, and I have some questions.
Replies: 12
Views: 810

Re: Portfolio Review...it's been a few years, and I have some questions.

This is all really helpful. Thank you. As for the sizes of each account being managed by PAS: Taxable Brokerage: $148,000 His Roth: $53,000 Her Roth: $72,000 Rollover IRA: $27,000 And the TSP and Her 401k? Planning to switch my wife and son to my insurance at some point in the future. I think she h...
by daheld
Wed Sep 02, 2020 10:54 am
Forum: Personal Investments
Topic: Portfolio Review...it's been a few years, and I have some questions.
Replies: 12
Views: 810

Re: Portfolio Review...it's been a few years, and I have some questions.

This is a real head-scratcher. Your Vanguard PAS portfolio is nothing like what they usually set up. I have no idea what to think. I'm not saying it is good or bad - we can't tell that without knowing the relative size of each account. It's just not what we usually see from them. 1. As you can see,...
by daheld
Wed Sep 02, 2020 10:26 am
Forum: Personal Investments
Topic: Portfolio Review...it's been a few years, and I have some questions.
Replies: 12
Views: 810

Re: Portfolio Review...it's been a few years, and I have some questions.

My question is, if we manage things ourselves, how should we go about simplifying the Roths, taxable, and rollover accounts? I think they're overly complicated and we could use fewer funds. Will selling funds and reinvesting not create taxable events I'd like to avoid? Should I keep the same funds ...
by daheld
Wed Sep 02, 2020 9:44 am
Forum: Personal Investments
Topic: Portfolio Review...it's been a few years, and I have some questions.
Replies: 12
Views: 810

Portfolio Review...it's been a few years, and I have some questions.

Emergency funds: ~10-12 months split between PNC savings and Vanguard Money Market fund. Debt: Mortgage $180,000, 20 year fixed rate 3.25%. Refi'd in May. Was 30 years, refi'd to 20. Paying about $150/month extra and mortgage will be paid off in about 2037. Home purchased 2018 for $294,000. Do not p...
by daheld
Mon Aug 31, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 20
Views: 1017

Re: Home Warranty

If I had a choice between spending $500 on a home warranty or using 5 $100 bills to start a fire, I'd get my s'mores supplies ready.
by daheld
Fri Aug 28, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with "easy" refinance
Replies: 6
Views: 455

Re: Need help with "easy" refinance

Easiest? Depending on who your current lender is, starting with them might be the easiest path. This is what we did back in April. It took a month total from initiation to close and we never saw anyone in person until the notary came to our house to sign documents. Painless.
by daheld
Fri Aug 28, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3485

Re: Lead paint and house offer accepted

If you're on Bogleheads asking about this, chances are you're a good enough parent that you'll notice if your kids are eating paint. Lead paint is exceedingly common. I am not saying it isn't a hazard, but if you're diligent about making sure it's maintained and not being messed with, you don't have...
by daheld
Thu Aug 27, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4845

Re: $40k Hardwood Floors Gone Wrong - Help!

As others have said and as it sounds like you will do, have the rest of the flooring installed. I would press hard for some monetary concessions, but I think you'll be hard pressed to get them from the manufacturer without litigation. I also would not want to do this. It is not really the installers...
by daheld
Tue Aug 25, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Solar Panels - Questions About Older Roof
Replies: 11
Views: 1156

Re: Solar Panels - Questions About Older Roof

I live in a part of the country that's nearly exclusively asphalt shingles, and tile roofs are rare. I would assume a lot of roofers there are familiar with the important things to think about when installing solar roofs, as are solar installers. I would start by talking to some solar installers and...
by daheld
Wed Aug 19, 2020 1:51 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13814

Re: How much did you save?

Without question, the single biggest advantage my wife and I had was that we both got good educations for free, or very nearly free. This is an ENORMOUS leg up over our peers who graduated with a lot of student debt. We will pay for our sons education. I agree so wholeheartedly with this. Both my h...
by daheld
Wed Aug 19, 2020 1:38 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13814

Re: How much did you save?

Without question, the single biggest advantage my wife and I had was that we both got good educations for free, or very nearly free. This is an ENORMOUS leg up over our peers who graduated with a lot of student debt. We will pay for our sons education. I agree so wholeheartedly with this. Both my h...
by daheld
Wed Aug 19, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Rural land purchase in PA. What questions should I ask?
Replies: 25
Views: 1290

Re: Rural land purchase in PA. What questions should I ask?

I have asked all those same questions and my outcome was this: While I am very hard on realtors and believe that entire industry needs disrupting, this is where their expertise is valuable. I think you need to seek out a realtor in that area, the specializes, if not exclusively does land transactio...
by daheld
Wed Aug 19, 2020 9:52 am
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13814

Re: How much did you save?

Not in the two comma club yet, but hopefully will be soon. Current age is 34 and 36 (DW). A brief timeline: 2009: Finished schooling (with thankfully only about $20k in debt, parents helped pay off). Starting salary: $40,000. Contributed up to employee match, maybe a little more. 2010: New job, sala...
by daheld
Thu Aug 13, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Considerations Before Going Solar
Replies: 24
Views: 2216

Re: Considerations Before Going Solar

No experience with solar, but: 1. I have a metal standing seam roof on a very old (~150 yr old) house. The roof predates at least the previous owners, so it's pre-2013, and likely much older. Should I get a roof inspection from an independent party before pursuing panels? Or is that something a good...
by daheld
Wed Aug 12, 2020 7:32 am
Forum: Personal Investments
Topic: Pay lump some on Mortgage or invest - Yes another thread
Replies: 3
Views: 555

Re: Pay lump some on Mortgage or invest - Yes another thread

In addition to the great response above from lakpr, I think it also depends heavily on a lot of other factors like your overall savings, income and retirement numbers, as well as whether you plan to stay in the house or move in a short time frame. Do you have kids and do you plan to pay for their co...
by daheld
Fri Jul 31, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4354

Re: Replacing appliances--buy dumb

I have maybe posted more on BH about our 25 year old Amana washer and dryer set than anything else. We inherited them when my then girlfriend (now wife) bought a home in 2014. In the six years we've had them, I had to replace a water intake valve on the washing machine and that's it. It took about 1...
by daheld
Thu Jul 30, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Chest Freezers
Replies: 14
Views: 1344

Re: Chest Freezers

There are plenty in stock at Menards near me. I haven't checked other hardware stores but I would assume they're in stock at Lowes, HD, etc.
by daheld
Wed Jul 29, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22498

Re: Books that changed your life

Just Mercy by Bryan Stevenson
by daheld
Wed Jul 22, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Are we saving too much (for our needs)?
Replies: 35
Views: 4032

Re: Are we saving too much (for our needs)?

certainly not the bay area or NYC... some suburbs of LA will do :D we can bear the traffic and don't mind driving a bit more when necessary. 2.6M is in today's dollars. I wouldn't actively spend more just for the sake of it. I guess my question is more like, is it silly to debate (with myself) if o...
by daheld
Tue Jul 21, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 9.5 years left on mortgage & thinking of refinancing to a 30 year mortgage
Replies: 17
Views: 2899

Re: 9.5 years left on mortgage & thinking of refinancing to a 30 year mortgage

This seems needlessly complicated. Focus on growing your income and invest that extra money.
by daheld
Thu Jul 16, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: umbrella insurance - teach me
Replies: 43
Views: 2298

Re: umbrella insurance - teach me

Hi everyone, Long time lurker, first time poster. Grateful for everything I have learned from all of you through reading your posts. Umbrella insurance - based on what I've read, we need to get this. Can you please share your wisdom on how much we need to get, and the best way to get it? Based on w...
by daheld
Thu Jul 16, 2020 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6681

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Joe Rogan is the absolute worst. why? he's just the vehicle. he brings in scientists, engineers, entertainers, athletes, economists, politicians, prominent business figures, etc. anyone from brian cox to jack dorsey to bernie sanders. love or hate these individuals, he gives them 1-3hr to express t...
by daheld
Thu Jul 16, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Which household items have made your life easier/more convenient/happier?
Replies: 82
Views: 6615

Re: Which household items have made your life easier/more convenient/happier?

We moved our washer and dryer upstairs and made a previously unusable space into a laundry room/office. It was right around $3k to do plumbing and electric, but that expense has been so, so worth it. Particularly with a toddler.