Search found 231 matches

by il0kin
Sat May 18, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 76
Views: 5799

Re: Honda CRV or Toyota RAV4 ?

Can't speak to the new ones, but our 2015 CR-V EX has been completely trouble-free and reliable for 56,000 miles . It is a naturally aspirated engine, as a bit of a gearhead, turbos make me nervous. A turbo is one thing on a Porsche, but a commuter car... no thanks. If you are open to buying used wi...
by il0kin
Sat May 18, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Foam vs pillow-top? Mattresses for the long term
Replies: 17
Views: 1497

Re: Foam vs pillow-top? Mattresses for the long term

Myself and friends/family have had excellent results from the Novaform brand (memory foam) at Costco. We are two years into ours with no issues, and when we got it my back pain disappeared almost literally overnight. I believe our queen size was $500 on sale. I doubt I’ll change your mind, but as t...
by il0kin
Sat May 18, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Foam vs pillow-top? Mattresses for the long term
Replies: 17
Views: 1497

Re: Foam vs pillow-top? Mattresses for the long term

Myself and friends/family have had excellent results from the Novaform brand (memory foam) at Costco. We are two years into ours with no issues, and when we got it my back pain disappeared almost literally overnight. I believe our queen size was $500 on sale. I doubt I’ll change your mind, but as th...
by il0kin
Fri May 10, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 936

Re: Self-Propelled Lawn Mower

Any mower with a Honda GCV 160 will work well. I’ve got a 6 year old Craftsman with that motor, the mower will break down far before the e fine. It is worth paying extra for self-propel (FWD is fine, AWD is overkill) and a dual blade system for a more consistent cut.
by il0kin
Fri May 10, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Vacant Lake Lot. Sell or Hold?
Replies: 54
Views: 2888

Re: Vacant Lake Lot. Sell or Hold?

Have you considered building a reasonable 3 bed 2 bath cabin on it and then selling it? Lake properties always sell quicker when they have a cabin it seems like.
by il0kin
Wed May 08, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4003

Re: Bathroom Remodel - Looking for Advice

The trade-off for heated floors is they are super expensive to run...at least they were when I was installing them 5+ years ago. Customers would complain about the extra $50/ month on their electric bills. Contractors also upsell this feature and charge a fortune for something that is only a couple...
by il0kin
Sun May 05, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 75
Views: 5572

Re: College/life prep for young kids

My kids are still young, so I really don’t know yet about preparing them for college, but a piece of advice that is already paying dividends with my oldest is to teach them how to be comfortable with being uncomfortable. Personal growth comes from being challenged at all ages. My parents were comple...
by il0kin
Fri May 03, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Boat close enough to the dock? Career transition question
Replies: 10
Views: 1189

Re: Boat close enough to the dock? Career transition question

How does your financial planning business make you feel when you do the work versus your IT consulting career? You have the resources to make the jump, but I would say to walk away from that kind of income, your heart has to be 100% in the new business. Keep your IT skills sharp, if after several ye...
by il0kin
Fri May 03, 2019 5:57 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 5879

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

You are overthinking it (which I totally understand, I am an overthinker and like to consider all the variables). The rule of thumb around here and other places is really tied to % saved, assuming traditional retirement ages and a 20-something start date for saving. 10% results in a decent, no-fril...
by il0kin
Fri May 03, 2019 3:19 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 5879

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

You are overthinking it (which I totally understand, I am an overthinker and like to consider all the variables). The rule of thumb around here and other places is really tied to % saved, assuming traditional retirement ages and a 20-something start date for saving. 10% results in a decent, no-frill...
by il0kin
Thu May 02, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7865

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I can’t see the benefit of living full time on an ocean. Hurricanes, flooding, salt ruins everything, tourists. Some great views, though. I’d rather live on a large interior lake and not have the problems that come with oceans. Plenty of lakes in most states where $40k would be just fine if the hou...
by il0kin
Wed May 01, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7865

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I can’t see the benefit of living full time on an ocean. Hurricanes, flooding, salt ruins everything, tourists. Some great views, though. I’d rather live on a large interior lake and not have the problems that come with oceans. Plenty of lakes in most states where $40k would be just fine if the hous...
by il0kin
Mon Apr 29, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1073

Re: Kids fishing gear

Get a Zebco 33 Micro Ultralight Combo. It is a spincast with smaller reel and shorter rod, much easier to handle for a smaller kid fishing for small fish such as sunfish. Should run you about $30 and is actually a decent reel. When I’m taking friends fishing, they get my tried and true full size Zeb...
by il0kin
Tue Apr 23, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 53
Views: 5445

Re: Not Maxing 401K OK?

Take a look at your expenses. What do you spend per year? Average it out over a few years. Once you have that figure, you can run some pretty simple projections that include retirement account growth at 4-5% over time with a 4% withdrawal rate, combined with estimated SS payments (factor in the plan...
by il0kin
Tue Apr 23, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30771

Re: How did you feel about your 2018 tax returns?

There were two things that impacted us: 1. The child credit increase. This is a step in the right direction to helping offset the very high cost of child care. Unless you became newly eligible (over the old limit but under the new one), this was a wash; the old credit plus the (now-gone) personal e...
by il0kin
Mon Apr 22, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30771

Re: How did you feel about your 2018 tax returns?

There were two things that impacted us: 1. The child credit increase. This is a step in the right direction to helping offset the very high cost of child care. 2. I tuned the per-paycheck changes to be absorbed by an increase in retirement contributions last year, so I never noticed the extra money ...
by il0kin
Thu Apr 18, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 13
Views: 1354

Re: House with Permanent Wood Foundation - Would You Buy?

1. I wouldn't purchase a home where I couldn't lay eyes on most of the inner walls of the foundation, regardless of material. 2. If you're having these reservations, so will every other person who ever looks at the home when you sell it. Your buyers pool is automatically smaller. It's a want, not a ...
by il0kin
Wed Apr 17, 2019 4:15 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4324

Re: Leave a job with a pension?

Will your current employer return your pension contributions or are they gone into a black box forever? Will you be collecting SS at retirement? I think if you have an existing pension + SS + well funded 401k type accounts, you’ll have a great mix of income in retirement. A 20% raise is great and ge...
by il0kin
Mon Apr 15, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1073

Re: High powered binoculars recommendations

Vortex makes some really nice stuff. I have a pair of 8x42 Bushnell H2O waterproof and fog proof binoculars that I use a lot during hunting season. They are inexpensive enough at $75 that if I drop them in a lake I won’t be angry. Good quality, take a beating, no problems. They’ve been in the dash o...
by il0kin
Sun Apr 14, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: how long to have mailed check cashed by IRS?
Replies: 13
Views: 1147

Re: how long to have mailed check cashed by IRS?

I had to amend and it took about 10 days.
by il0kin
Wed Apr 10, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should we build a new house?
Replies: 13
Views: 1240

Re: Can/Should we build a new house?

No way. You don't make nearly enough to build a custom 450k house in a VLCOL and hope to absorb the loss if you need to move. It's one thing if you have a 3M+ net worth and 300k annual income to build a custom house understanding it might result in a sale at a loss. Save up 30-40k cash over the nex...
by il0kin
Wed Apr 10, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should we build a new house?
Replies: 13
Views: 1240

Re: Can/Should we build a new house?

No way. You don't make nearly enough to build a custom 450k house in a VLCOL and hope to absorb the loss if you need to move. It's one thing if you have a 3M+ net worth and 300k annual income to build a custom house understanding it might result in a sale at a loss. Save up 30-40k cash over the next...
by il0kin
Tue Apr 09, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3497

Re: Is a work-at-home job have the same expectations as the office job?

I WFH 10% - 20% of the time. I make sure to take an hour lunch break which I mark on my calendar, but other than that I'm available during normal business hours, as that's important in my line of work. Stepping away for 15 minutes a couple times is fine too. I can't imagine watching young children ...
by il0kin
Tue Apr 09, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Lawn Service and Landscaping
Replies: 14
Views: 1023

Re: Lawn Service and Landscaping

Our yards and lawn need some serious service. I started to search around for companies that provide these services on Nextdoor, google, etc. I'm curious how much money have you spent on the following: 1. Bi-weekly lawn mowing / leaf blowing (my husband said he'd do it but he's been very sloppy abou...
by il0kin
Mon Apr 08, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3238

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

How many pounds will the new trailer be? Brakes and suspension design are just as important as power. I don't think mid-size SUVs are really the best vehicles for long distance towing, they aren't designed for it even though they can do it. Front wheel drive, softer springs, unibody frame.. not ide...
by il0kin
Sun Apr 07, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41398

Re: Losing a job in your 50's...

How many of the BH on this thread have direct reports and had to let people go? I ran a division in a megacorp with 168 direct reports. It used to be 221. We were not profitable. We got things fixed up and we are now more productive with 168 than we were with 221. Never once did age factor into the...
by il0kin
Sun Apr 07, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3238

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

How many pounds will the new trailer be? Brakes and suspension design are just as important as power. I don't think mid-size SUVs are really the best vehicles for long distance towing, they aren't designed for it even though they can do it. Front wheel drive, softer springs, unibody frame.. not idea...
by il0kin
Fri Apr 05, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)
Replies: 77
Views: 3895

Re: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)

I work in the Business Intelligence/Business Analytics field, which it sounds like he is interested in. I would steer towards the UC Davis Computer Science program. It is much easier to learn and hone management and analytical skills than it is to learn computer science and he will be a much more v...
by il0kin
Wed Apr 03, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)
Replies: 77
Views: 3895

Re: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)

I work in the Business Intelligence/Business Analytics field, which it sounds like he is interested in. I would steer towards the UC Davis Computer Science program. It is much easier to learn and hone management and analytical skills than it is to learn computer science and he will be a much more vi...
by il0kin
Mon Apr 01, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 4665

Re: Do any of you have a fear of changing jobs?

I don’t fear changing jobs. I am on my third title at my current company in 5 years, and feel like I finally found what I really enjoy doing. I don’t make 500k or even 100k (though I believe I should reach 100k in a few years) but I work 40 hours flat and I have enough, which is invaluable.
by il0kin
Tue Mar 26, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8856

Re: I would like a boat. I also know nothing about boats

A lightly used aluminum hull deck boat with an outboard is a great solution for your needs as the aluminum hull is far less maintenance than fiberglass, and an outboard is far less maintenance than an inboard. Deck boats are a do-it-all solution. They have a deck similar to a pontoon, but a more spo...
by il0kin
Sat Mar 23, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2388

Re: DirecTv Now changes

I bailed for the same reason and I’ve decided to just be done with “cable” altogether. Wife and I compromised and will retain our Netflix and CBS All access subscriptions and pick up a Hulu subscription at $5.99/mo. I am definitely getting subscription fatigue. DTV Now was great at $35/mo, but $60.....
by il0kin
Fri Mar 22, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Selling land - best approach?
Replies: 15
Views: 1322

Re: Selling land - best approach?

I’ve never done it so what do I know, but putting up a FOR SALE (Phone #) sheet on the edge of the highway on a sheet of plywood driven into the ground on 4x4s seems to be fairly common around the exurbs in my area, and seems to work. If your friend isn’t in a hurry, they may just get a lot of money...
by il0kin
Thu Mar 21, 2019 2:33 pm
Forum: Personal Investments
Topic: Investing in vacant land (acerage)
Replies: 22
Views: 2445

Re: Investing in vacant land (acerage)

We own about 30 acres of land that is adjacent to our 5 acre house yard. We inherited it from my MIL about 10 years ago after she passed. We have the land in the CRP, and it is planted in native prairie grass and flowers. In return, we receive a modest amount of money from the government every fall...
by il0kin
Wed Mar 20, 2019 3:58 pm
Forum: Personal Investments
Topic: Investing in vacant land (acerage)
Replies: 22
Views: 2445

Re: Investing in vacant land (acerage)

There are some good ways to monetize land such as CRP, WRP etc. I like to duck hunt and have considered buying 20-40 acres of river bottomland and converting it into a managed WRP wetland, for which the government will pay as much as 100% of the purchase price (it depends on a lot of factors) in exc...
by il0kin
Wed Mar 20, 2019 11:35 am
Forum: Personal Investments
Topic: 529 plan question: When did you change to more conservative AA?
Replies: 36
Views: 1848

Re: 529 plan question: When did you change to more conservative AA?

My kids are young, but I've got both of them at 60/40 and have no plans to change that. I can stomach a 4-5% return, I can't stomach telling my kids I won't be able to help with their education because I invested too aggressively and the market happened to tank right before they went off to school. ...
by il0kin
Mon Mar 18, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2435

Re: Fishing Kayak recommendation

Bass Pro/Cabelas Ascend 10T are rock solid and well reviewed. You definitely want a sit on top kayak for angling, 100% But... A 1448 Jon boat with a 9.9 or 15 HP motor is going to be much more pleasant to fish from together, with more room for both of you. If you have the room to store it, you can e...
by il0kin
Sun Mar 17, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Age for starting kindergarten
Replies: 61
Views: 3698

Re: Age for starting kindergarten

My son has a late July birthday. My wife’s family has several experiences elementary age teachers and they have advised us that almost all of the kids with summer birthdays have a wide range of intelligence academically (some outperform, some underperform, just depends on the kid) but that the young...
by il0kin
Wed Mar 13, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Experience with turbo >100,000 mi
Replies: 29
Views: 2292

Re: Experience with turbo >100,000 mi

I’ve always steered clear of turbos, but then again I bought a Nissan Frontier in 2015 and one of the selling points in my mind was that they’d been using the same 4.0 V6 in those trucks for 10 years at that point.
by il0kin
Fri Mar 08, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Who Can I Hire to Evaluate Heating Situation in my Home?
Replies: 34
Views: 2065

Re: Who Can I Hire to Evaluate Heating Situation in my Home?

Call the city and county and ask what HVAC companies pull the most permits. Generally, that’s a good starting point to find reputable companies as they’re doing a good enough job so that they’re not scared of an inspection. Call a couple of them and offer to pay for the time Of their most experience...
by il0kin
Fri Mar 08, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

Definitely look at job placement, starting salaries and hiring firms. This should give you an idea how legitimate industry looks on the program and the types of companies that recruit there. Analytics is a career path that is still being formed (similar to software development in the 90s). From my ...
by il0kin
Fri Mar 08, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

The program is offered locally through a regional private, non-profit, Park University. However, this specific degree is new to the University (2 years old) and while the all other programs in their Business school are accredited by the ACBSP, the program is in the process of being accredited, but ...
by il0kin
Fri Mar 08, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

My 2 cents is find some volunteering experiences where you can hone your IT skills. Or find some passion project to expand your IT skillset.. This is far more efficient and fun than wasting a whole year or two on boring and mostly irrelevant IT classes. Most any niche topic in IT you can learn on y...
by il0kin
Fri Mar 08, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

Consider Certified Specialist in Predictive Analytics (CSPA)? https://thecasinstitute.org/credentials/predictive-analytics-and-data-science/earning-the-credential/ Probably cheaper and possibly more manageable than taking classes. Downside is that it does have an inherent industry bend that may not...
by il0kin
Fri Mar 08, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

This degree is very relevant to what you are doing and plan to do in near future. However, IMO, it may be too narrow a focus for a masters. I think an MBA might be a better degree, giving you more options long term, and it will make you more attractive for future senior management roles in IT. A se...
by il0kin
Fri Mar 08, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Re: Your Opinions on a Masters in Information Systems & Business Analytics

It all depends on how you use the skills you have learnt in the program. I do not think most IT jobs look at education. accredited or not no one cares or even know, as far as the school is recignized. Now the hit trend is analytics and even school generates programs with Analytics in the name. Indu...
by il0kin
Fri Mar 08, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7166

Re: attacked by off-leash dog

For what it’s worth, I posted earlier to shoot a dog getting ready to bite. If my dog bit someone, it would be hard but I would put him down. I have young kids and cannot under any circumstances allow a dog that bites to stay in my home. Fortunately, he’s a very sweet and loving lab and he’s on a le...
by il0kin
Thu Mar 07, 2019 9:59 pm
Forum: Personal Investments
Topic: What should I do with my governmental 457b
Replies: 5
Views: 427

Re: What should I do with my governmental 457b

If you roll it into a 403b, I believe you will lose the ability to withdraw it at any time without penalty. In that way a 457 from a former government employer can serve as a backup emergency fund. Do you already have a good emergency fund? They would. I think there are ways to get the money out of...
by il0kin
Thu Mar 07, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1022

Your Opinions on a Masters in Information Systems & Business Analytics

Hello fellow Bogleheads! I am currently considering a program to obtain my Masters degree in Information System and Business Analytics. The program is offered locally through a regional private, non-profit, Park University. However, this specific degree is new to the University (2 years old) and whi...