Search found 497 matches

by daheld
Mon Jun 17, 2019 11:11 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 32
Views: 2049

Re: Advice for young married couples: PLEASE HELP!

Talk about money before you're married. I have been astounded to learn how many folks our age (mid thirties) are married to people with whom they did not discuss finances before being married. My wife and I are 100% combined everything--checking, savings, etc. We discuss finances regularly and are o...
by daheld
Mon Jun 17, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: How to pay homeowner's insurance, escrow or bank account?
Replies: 11
Views: 660

Re: How to pay homeowner's insurance, escrow or bank account?

The overwhelming majority of responses you're going to get around here will be to NOT escrow. It doesn't cost you any more, but lenders do sometimes make mistakes in paying your taxes and insurance, and it costs the same amount of money to just pay it yourself. It takes two extra checks per year, an...
by daheld
Mon Jun 17, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1311

Re: Dental/Vision Insurance for Baby

$198 per pay period just for dental? At those premiums I think I would strongly consider self insuring given most dental plans cap out at $1500 per year per person and premium requires you to almost max it out to break even ^^^THIS. That is highway robbery. Good lord. Definitely. If it were just a ...
by daheld
Fri Jun 14, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1311

Re: Dental/Vision Insurance for Baby

$198 per pay period just for dental? At those premiums I think I would strongly consider self insuring given most dental plans cap out at $1500 per year per person and premium requires you to almost max it out to break even ^^^THIS. That is highway robbery. Good lord. Definitely. If it were just a ...
by daheld
Fri Jun 14, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1311

Re: Dental/Vision Insurance for Baby

hayhayday wrote:
Fri Jun 14, 2019 2:27 pm
$198 per pay period just for dental? At those premiums I think I would strongly consider self insuring given most dental plans cap out at $1500 per year per person and premium requires you to almost max it out to break even
^^^THIS. That is highway robbery. Good lord.
by daheld
Thu Jun 13, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: [Forget] The Seaweed! We're Headed For Cancun!!
Replies: 17
Views: 1430

Re: [Forget] The Seaweed! We're Headed For Cancun!!

There's essentially nothing to see in the hotel zone. It's all resorts and a few shops. You can go into town to the mercados to buy junk trinkets and haggle with people trying to hock their wares. When we went we were on a honeymoon, and spent our time laying on the beach drinking too many caipirinh...
by daheld
Thu Jun 13, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: The Automatic Enrollment Percentage in the TSP is Increasing
Replies: 1
Views: 253

The Automatic Enrollment Percentage in the TSP is Increasing

https://www.fedsmith.com/2019/06/06/automatic-enrollment-percentage-tsp-increasing/ From the article: The Federal Retirement Thrift Investment Board (FRTIB), the agency that administers the Thrift Savings Plan (TSP), will increase the automatic enrollment percentage from 3% to 5% of pay for all par...
by daheld
Wed Jun 12, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: New Federal employee ... Choosing Healthcare
Replies: 19
Views: 1347

Re: New Federal employee ... Choosing Healthcare

I'm a federal employee of a little more than 4 years. Others with more experience can and probably will chime in, but I have to say that I've been pleased with the APWU Consumer Driven option. The structure of the plan is a little different than others I've used, but I really like it. For a family o...
by daheld
Wed Jun 12, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Central Air Conditioning Troubleshooting
Replies: 18
Views: 1099

Re: Central Air Conditioning Troubleshooting

The most common reason for the problem you describe is a bad capacitor. If you have a multimeter you can determine if the capacitor is bad pretty easily (especially one that can test capacitance). YouTube is your friend here. If the capacitor is bad then it's a super easy fix. If you do mess with t...
by daheld
Wed Jun 12, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 15
Views: 906

Re: Shopping insurance? How often?

This post has motivated me to do some rate shopping through an independent agent. I've always used State Farm, and my perception is that our current insurance premiums (for homeowners, auto on two cars, and $1 million umbrella) are not bad. I'll be interested to hear what kind of numbers I get back ...
by daheld
Mon Jun 10, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: OT: Ideas for Detroit Downtown visit
Replies: 12
Views: 671

Re: OT: Ideas for Detroit Downtown visit

My wife is from Dearborn, so I'll second the Ford tour. I would highly recommend The Henry Ford Museum/Greenfield Village.
by daheld
Mon Jun 10, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: How to get good at a racket sport without coaching?
Replies: 43
Views: 1326

Re: How to get good at a racket sport without coaching?

My brother wants to learn to fly fish. He bought a fly rod and accessories. He called a guy who owns a fly fishing shop and offers lessons. On the owner's advice, he's taking one lesson to learn basics and fundamentals. Per my brother, the owner told him, "I like to give people a good foundation to ...
by daheld
Thu Jun 06, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Help:Finally cutting the cord with U-verse...
Replies: 14
Views: 974

Re: Help:Finally cutting the cord with U-verse...

I'm in a similar predicament. We have DirecTV and ATT internet bundled. After my first year, my rate was supposed to go up $30/month. Instead the bill doubled. After some wrangling, I've got it down to what it should be, but this is after two months of paying twice what we should be paying. After ou...
by daheld
Wed Jun 05, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4873

Re: Gillette Fusion razors

runner3081 wrote:
Wed Jun 05, 2019 1:17 pm
Have been using Dorco for years. Much cheaper and no issues.
I'm a DE shaver and love Dorco blades. I bought a pack of 100 and it will last me years and years (and years and years and years).
by daheld
Wed Jun 05, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3453

Re: How to pay electrician

Have you questioned why there was a $200 increase? If there's a good reason, like the scope of the job unexpectedly changed and wound up costing more in materials than originally planned, I could potentially see being ok with paying more than the initial quote. Ideally this should've been communicat...
by daheld
Wed May 29, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3102

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

We have this model: https://www.kitchenaid.com/major-appliances/wall-ovens/double-wall-ovens/p.30-double-wall-oven-with-even-heat-true-convection-upper-oven.kode300ess.html Have been installed and used regularly for a little over a year with no issues. We cook at home (though not exclusively in the ...
by daheld
Tue May 28, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6073

Re: What has changed in new home construction over the years?

As someone who has poured a lot of concrete, all concrete will crack. The key is controlling the cracks. I have never seen concrete set for weeks or months before building began unless it was a DIY affair. The biggest concrete sin I see modern day builders do is pour it too wet which minimizes the ...
by daheld
Fri May 24, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5771

Re: Relocate to Charleston SC?

I would recommend you look at Beaufort, SC. Maybe an hour south of Charleston, at a 50% discount. We spend the winter on Harbor Island, just outside of Beaufort. Beaufort has a beautiful historic downtown with a nice, hip restaurant scene. Summers can be brutal. A lot slower pace and much less traf...
by daheld
Fri May 24, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1271

Re: Best bassinet

Get a crib. When your kid is 3 months old and totally used to sleeping alone in a crib you'll be glad you did. You're not going to sleep much for the first couple months anyway, why not get the kid used to sleeping in a crib at the same time?
by daheld
Fri May 24, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6073

Re: What has changed in new home construction over the years?

As someone who has poured a lot of concrete, all concrete will crack. The key is controlling the cracks. I have never seen concrete set for weeks or months before building began unless it was a DIY affair. The biggest concrete sin I see modern day builders do is pour it too wet which minimizes the ...
by daheld
Thu May 23, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Google Tool for coordinating vacation dates between friends?
Replies: 16
Views: 1224

Re: Google Tool for coordinating vacation dates between friends?

I don't understand why having folks send dates that don't work for them isn't acceptable. It kind of seems like you're trying to techno-engineer something that's pretty simple. There are 9 of us and all have different schedules and preferences for where we go, what activities we do, time of the yea...
by daheld
Thu May 23, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Google Tool for coordinating vacation dates between friends?
Replies: 16
Views: 1224

Re: Google Tool for coordinating vacation dates between friends?

I don't understand why having folks send dates that don't work for them isn't acceptable. It kind of seems like you're trying to techno-engineer something that's pretty simple.
by daheld
Thu May 23, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3276

Re: Expensive front load washer/dryer worth it?

My old Maytag washer was manufactured in 1981. We think that my Kenmore Dryer was manufactured in 1979 as dating of these appliances was required until 1980. No repairs in the last six years and they do a great job of cleaning. We do not use the dryer much as the Arizona sun generally dries clothes...
by daheld
Thu May 23, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3276

Re: Expensive front load washer/dryer worth it?

I hate my high-end front loading washer (Whirlpool's 2nd highest model--didn't want liquid detergent dispenser on the top model) and can't wait for it to die. Unfortunately it's less than 4 years old, so it'll probably be a while. Has been repaired several times already though. Based on my experien...
by daheld
Thu May 23, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1250

Re: Termite Control - worthwhile or a scam

Termite control might be worthwhile, but I'd recommend finding a locally owned, reputable business rather than a nationwide outfit like Terminix.
by daheld
Thu May 23, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Help with DIY strategy to eliminate termites (outside)
Replies: 12
Views: 787

Re: Help with DIY strategy to eliminate termites (outside)

The termite guy I use charges $500-$1000 for a treatment around the perimeter of the home, depending on size. It's not expensive. Just pay an expert.
by daheld
Wed May 22, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 2920

Re: Do you think we can stop funding our 529 plan?

Nobody can answer this for you.

What do you expect to pay for college starting 13 and 16 years from now? How much do you have now? How much do you expect that to grow?

Enter those numbers here and see for yourself. https://vanguard.wealthmsi.com/csp.php
by daheld
Tue May 21, 2019 11:30 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4379

Re: Federal Gov't Early Retirement?

At 52, you will not meet the minimum retirement age of 57. So I would have to retire at 57 to receive any benefits? I'm just starting to research this area so this is all new to me. Thanks. There are many different scenarios based on your age, length of service, and type of retirement. But in many ...
by daheld
Tue May 21, 2019 11:25 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 4379

Re: Federal Gov't Early Retirement?

At 52, you will not meet the minimum retirement age of 57.
by daheld
Tue May 21, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3276

Re: Expensive front load washer/dryer worth it?

As someone who used to design front load washers and dryers for a living, no I don't find them worth it. They are worth it to laundromat and hotel owners where water consumption and cost of cleaning agents are a significant part of the cost of cleaning clothes and bedding. To the average homeowner,...
by daheld
Tue May 21, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3276

Re: Expensive front load washer/dryer worth it?

No. New washers and dryers are junk.
by daheld
Thu May 16, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6008

Re: Which car has the best or most comfortable cabin under 35K

I've got a 2016 Mazda6 Grand Touring. Completely loaded with every option. While the interior packaging is very well done and quite comfortable, the road noise is pretty obtrusive. It's comfortable, but not quiet. You're driving the old, previous generation platform. Not comparable to the new model...
by daheld
Thu May 16, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6008

Re: Which car has the best or most comfortable cabin under 35K

Due to a change in circumstances, we now have a long daily commute, so toying with the idea of splurging on something more comfortable since we'll be "consuming" that luxury for a couple of hours everyday. Which car cabin have you been wowed by? Budget $35K (incl taxes and fees), doesn't have to be...
by daheld
Tue May 14, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 23
Views: 1782

Re: Home warranty - is it worth the money?

I too didn't protest when the seller of our home included one. We did not ask for one, but I just accepted the 1 year warranty as part of the sale. I wish I'd just asked for a $450 credit. I'd regale you the tale of trying to submit a claim, but I'm pretty sure there's a character limit on these pos...
by daheld
Mon May 13, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Mosquito control in Central Va
Replies: 22
Views: 1583

Re: Mosquito control in Central Va

Thus far we have had good luck with Thermacell.

https://www.thermacell.com/
by daheld
Mon May 13, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 16
Views: 2031

Re: DIY air purifier for $25

I did this a couple weeks ago, and my wife, who suffers greatly from seasonal allergies (ok, well, really allergies all year long), has said it has helped her immensely. This is all anecdotal of course, but it seems to be of benefit.
by daheld
Wed May 08, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Monthly Expenses
Replies: 20
Views: 1297

Re: House Purchase - Monthly Expenses

Miscellaneous Per Mo Per Yr Cleaning Supplies $1,000 Thats a lot of windex. What cleaning supplies are you buying for $85 a month??? I'm not sure I spend $25 a year in cleaning supplies. Maybe $50 a year if you include laundry detergent in that. Copy paste from another page in my spreadsheet. This ...
by daheld
Wed May 08, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Monthly Expenses
Replies: 20
Views: 1297

Re: House Purchase - Monthly Expenses

You can ask the seller for their average monthly utility expenses to get an idea of what that costs. I'd go one further and call the utility companies that service the home. In my area, they'll immediately tell you the average monthly cost of their service for whatever address you're calling about.
by daheld
Wed May 08, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6917

Re: Island life?

Perhaps not the same thing but my parents live on an island near Charleston, SC. It's lovely, except for the hurricanes. I took a vacation a few years ago to Harbor Island, SC, which is just past Beaufort. I have always loved the author Pat Conroy, and he wrote of these isolated islands. The histor...
by daheld
Mon May 06, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5643

Re: Anybody try the Blue Apron or the like?

We did Homechef as some friends purchased us $50 worth of meals after we had a baby. We used it a few weeks ago. We still had to spend about $10 to get 4 meals (so a total of about $60) for 2 people, which is incredibly, impossibly expensive on a per serving basis. It was fine. The directions make i...
by daheld
Thu May 02, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for an open position (with a twist)
Replies: 12
Views: 1424

Re: Applying for an open position (with a twist)

I’d discuss with your current manger before doing 1 or 2. It’s going to get back to them anyways and will not reflect well which may be a concern if you don’t end up getting the new position. If you do get it this is your first chance to make a good impression with your potential new boss....make s...
by daheld
Thu May 02, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase and closing
Replies: 6
Views: 895

Re: Home purchase and closing

As to your questions regarding whether you should pay cash or get a mortgage, you're going to need to supply a LOT more information. Anyone who answers is literally guessing as to your overall financial condition. Regarding inspections, I'm a believer that this is a time that it makes sense to spend...
by daheld
Wed May 01, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Do I live in a HCOL area?
Replies: 56
Views: 3249

Re: Do I live in a HCOL area?

vtMaps wrote:
Wed May 01, 2019 3:59 am
Is there a commonly used definition of these terms?
No.
by daheld
Wed May 01, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: House A/C: repair refrigerant leak vs replace
Replies: 13
Views: 899

Re: House A/C: repair refrigerant leak vs replace

Unless the money is an issue and you just can't afford to replace, I'd absolutely go ahead and replace it.
by daheld
Tue Apr 30, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Another Advantage of Being a Boglehead
Replies: 27
Views: 2149

Re: Another Advantage of Being a Boglehead

For example, I was driving a 17 year old Toyota Camry because I just didn't see the point of getting a new car as long as my old one was running fine. The last few years, I noticed that they were REALLY NICE to me at the car dealership. They would try to cut me a break and offer me the lowest possi...
by daheld
Thu Apr 25, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Mobile Apps for Plant and Flower ID
Replies: 11
Views: 532

Re: Mobile Apps for Plant and Flower ID

There's a subreddit (r/whatsthisplant) that I have had good luck with. Reddit is free. Don't pay for plant identification.
by daheld
Wed Apr 24, 2019 12:58 pm
Forum: Personal Investments
Topic: Home Inspection - Resale Home
Replies: 6
Views: 593

Re: Home Inspection - Resale Home

Get a sewer lateral inspection. Do it. No exceptions.

If it were me, I'd also get a termite inspection. It's not always a huge deal if your home has termite damage, but if the infestation is severe or currently ongoing, you need to know about that and deal with it.
by daheld
Wed Apr 24, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17045

Re: Whats the Point of Climbing the Corporate Ladder?

livesoft wrote:
Wed Apr 24, 2019 7:49 am
Because you will be fired to make room for the people that you are blocking behind you.
Where I work, the inverse is actually true. The higher you climb, the easier it is for you to be fired.
by daheld
Tue Apr 23, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: How to fix foundation damaged by neighbor's car
Replies: 23
Views: 2460

Re: How to fix foundation damaged by neighbor's car

First, this is not damage to a home foundation, but rather to the framing of an exterior wall. Second, what you're referring to as a "footer" is not a footer. A footer is part of the concrete foundation of your home, partially below grade and reinforced with steel. What you're referring to as a foot...
by daheld
Mon Apr 22, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Professional Liability Insurance - Consulting Business
Replies: 11
Views: 672

Re: Professional Liability Insurance - Consulting Business

I'm a dietitian. Any hospitals or health systems I've worked for had liability coverage that covered me, but I've done some side work and always bought liability coverage for this purpose. At least for RD's, it's cheap ($80-100/year for $1 million in coverage) and absolutely worth it. I have no idea...