Search found 198 matches

by FI4LIFE
Wed Nov 13, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Carbon Monoxide Alarms
Replies: 16
Views: 1157

Re: Carbon Monoxide Alarms

I have significant professional experience here and can tell you that outside the sleeping areas is the best place. Placing a CO detector right next to a CO producing appliance will actually poison the sensor over time shortening the lifespan of the detector and possibly causing false positive readi...
by FI4LIFE
Wed Nov 13, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Where to donate refrigerator, washer, dryer
Replies: 8
Views: 611

Re: Where to donate refrigerator, washer, dryer

Not exactly what you are looking for but I have put these types of things on Craigslist in the past for very cheap...$25 or less. The people have always been very thankful for the good price and will come and get them. The price is so low they don't bother haggling. I never put them up for free beca...
by FI4LIFE
Mon Nov 04, 2019 3:20 pm
Forum: Personal Investments
Topic: How much money is really needed in retirement?
Replies: 74
Views: 9150

Re: How much money is really needed in retirement?

My parents live a normal lifestyle in retirement. They have a paid off house and cars. Their biggest expense is their property tax bill (an astronomical $20k/year). Health care payments are largely taken care of by my father's former employer. He says they get by very easily on $6500/month. They go ...
by FI4LIFE
Thu Oct 31, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12464

Re: Possible Layoff: Need Assurance That We Will Be Okay

Nice job on accumulating an enviable hoard of wealth. As you already know, you have all the money you need. Your fear that you will make some foolish mistake and lose it all is not based in reality. You already know how to live within your means and this will continue. Your wealth will continue to g...
by FI4LIFE
Thu Oct 31, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6407

Re: How do people live on an average household income of 60K? Looking for ways to cut down on my budget

We live in a slightly higher COL area and daycare runs anywhere from $40-65 per day, per child. Depends on the facility and how many days you are sending the child per week. While the kids are young, they are not particularly expensive, otherwise. You may want to think about a college savings accoun...
by FI4LIFE
Tue Oct 29, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6599

Re: How much does a "good school district" matter?

Teacher here. I have taught HS in both affluent highly rated districts and poorer districts that are struggling. Unfortunately there are huge discrepancies that no amount of hand waving will eliminate. Let me give you the example of two schools I am directly familiar with: School A and School B bot...
by FI4LIFE
Mon Oct 28, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6599

Re: How much does a "good school district" matter?

... The main reason being that our smallish city schools are not that great. ... Our city is very diverse economically and culturally. ... ... Many of the surrounding towns are quite boring and lack diversity, but their test scores are great and they attract families who want their children to succ...
by FI4LIFE
Sun Oct 27, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6599

Re: How much does a "good school district" matter?

Very interesting answers so far. Our area has had a gigantic growth in the number of English-learner students. It is now up to almost 20% of the student population. The schools are doing their best to address this issue by creating dual-language magnet schools in one area. It is a major financial st...
by FI4LIFE
Sat Oct 26, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6599

How much does a "good school district" matter?

Hi All, My wife and I have been considering moving lately. The main reason being that our smallish city schools are not that great. This assessment is based mostly on my own experience with the schools many decades ago, test scores, high student-to-teacher ratio and lack of parent involvement. Other...
by FI4LIFE
Wed Oct 23, 2019 7:06 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2051

Re: How do you get over an investing mistake?

I bought Crocs (CROX) in 2007. Come talk to me when you've done something that stupid. Your shares are up. It's like crying because you ate the filet mignon instead of the lobster.
by FI4LIFE
Mon Oct 21, 2019 3:36 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12087

Re: High income earner waiting for a bear market to start investing

Hi guys, thanks so much for all the input I read everything and appreciate all the ideas, and find funny the trolling comment but its understandable. So let me clear up a few things. - I lived in debt my whole life. My parents believed in using debt to fund anything and everything and had no proble...
by FI4LIFE
Mon Oct 21, 2019 8:39 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12087

Re: High income earner waiting for a bear market to start investing

This thread stinks a bit of trolling but I will engage anyway. At your income/spending levels you actually don't have to invest aggressively, if at all. In 10 years, assuming no lifestyle inflation, you will have enough to cover living expenses for the rest of your life. While I think market timing ...
by FI4LIFE
Wed Oct 16, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Open Windows and Shower- Smoke Detector
Replies: 9
Views: 925

Re: Open Windows and Shower- Smoke Detector

Simple condensation. Same reason you see your breath when it's cold outside. Put a shower cap over it, replace it, or move it.
by FI4LIFE
Wed Oct 16, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4430

Re: Good camera system to watch the babysitter

Would you like someone recording you picking your nose, scratching your rear end, etc without your knowledge?

Do unto others and all that. Very creepy. I would have a very big problem with someone video recording my daughter babysitting their kids.
by FI4LIFE
Mon Oct 14, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Roof not installed properly
Replies: 21
Views: 2369

Re: Roof not installed properly

If the roofer pulled a permit, didn't mention drip edge in contract even though city requires it, how did the job get inspected and finalized without it? In our area permits for home improvements are just another revenue-producing tool for the town. :greedy Nobody from the inspections dept comes ou...
by FI4LIFE
Sun Oct 13, 2019 7:33 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6788

Re: What’s the point of a taxable account?

I guess my question is, what’s the point of a taxable? I’m in a fairly low tax bracket, but do most of you have a taxable account? With a decent income, it is pretty easy to run out of tax-deferred space (or have limited tax-deferred space available). We're not super high-earners (especially for th...
by FI4LIFE
Sun Oct 13, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7720

Re: When is private (elementary) school worth it?

We have 4 children, and both of us worked with children in various capacities for decades before and after our children were "children". Our observation was and is, that most of the public and private school systems are structured in a such away that the love of learning is not fostered and is not ...
by FI4LIFE
Sat Oct 12, 2019 10:14 am
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 82
Views: 9324

Re: For those of us that can't max contribute

Wow, nice job paying down that debt. Once finished you'll really be able to plug away at your retirement savings. Upthread, you asked about using your home equity in an emergency. I just wanted to comment and tell you that you should open a home equity line of credit ahead of time (like now), before...
by FI4LIFE
Fri Oct 11, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7720

Re: When is private (elementary) school worth it?

I can't help you decide about public vs. private but maybe he could move up a grade? Compared to my kids, he sounds as though he is very gifted at math. Several years ahead of your average child. It may be up to you to challenge him at home or pay for extra tutelage outside of school if private scho...
by FI4LIFE
Fri Oct 11, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 31946

Re: Anyone want to share their monthly budget? Here's ours

I find it interesting that most responders are singles or couples with no kids. The rest of us are too busy to budget or don't really want to know.

:mrgreen:
by FI4LIFE
Fri Oct 11, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17636

Re: What are your personal experiences with downside of early retirement?

WildBill wrote:
Wed Oct 09, 2019 10:08 am
Howdy

Neighbors and landscaping guys who fire up motor operated gizmos in the morning and wake me up.
As a still employed shift worker, I can relate. Not a quiet day to be had in my neighborhood.
by FI4LIFE
Thu Oct 10, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Basement foundation wall a little bowed -- should I consult an engineer?
Replies: 11
Views: 1596

Re: Basement foundation wall a little bowed -- should I consult an engineer?

If concrete is bowing, it is cracking. No cracks means it dried that way when poured. Half a bubble was close enough in the 20s.

A basement repair company is going to want to repair your basement so will not be impartial. I would not call an engineer unless there were large cracks.
by FI4LIFE
Mon Oct 07, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1435

Re: Keeping fleas out of the house

I have had pets my whole 39 years and have never had fleas in the house. Many years they have no flea/tick control at all. Fleas are not a big problem in my area of the northeast, although they do exist here. Perhaps they are more prevalent elsewhere. I am assuming your friend uses the seresto colla...
by FI4LIFE
Thu Oct 03, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying and living in a multi family unit
Replies: 24
Views: 1233

Re: Buying and living in a multi family unit

You've gotten a bunch of replies from people who likely have no idea what they are talking about. Between first time home buyer mortgage programs and the rental income, you might qualify for a loan. This may or may not be a good purchase based on your local market and actual market rents. 1% rule sa...
by FI4LIFE
Sat Sep 28, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4349

Re: Going to a wedding party

People are making general statements about "the way things are" but wedding customs are regional and differ throughout the country. The custom of giving a monetary gift is a norm where I live but may not be in other parts of the country.
by FI4LIFE
Sat Sep 28, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3382

Re: What is protocol for cleaning house when moving?

They will likely paint anyway so I would not spackle. Most real estate contracts stipulate "broom clean" and that is all that is required. I would sweep/vacuum and wipe down bathrooms and shelving. Do more if you want to be nice.
by FI4LIFE
Mon Sep 23, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Buying a home with unpermitted addition
Replies: 59
Views: 6218

Re: Buying a home with unpermitted addition

If you want to contemplate legalization please have a architect or surveyor determine if the addition could legally be built. There’s a big difference between legalizing something built without permits and legalizing something that violates 3 sections of the zoning code. I agree, although your real...
by FI4LIFE
Mon Sep 23, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9527

Re: Physical activity suggestions for a non athletic youth

In another year or two, I would suggest getting him into weightlifting. The big lifts like barbell squat, deadlift, overhead press, bench press, barbell row. He will likely be able to gain strength faster than most scrawny 12-13 year-olds, which will build confidence. Being "big" is accepted and eve...
by FI4LIFE
Wed Sep 18, 2019 5:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11627

Re: How do you spend money to gain time? (young family)

Here is an earlier thread: https://www.bogleheads.org/forum/viewtopic.php?t=213662 and there are many more. I have tons of time because I don't worry what other people think about my clothes, my car, my yard, my house, my kids. I didn't even have to spend any money on not worrying. Example: Toddler...
by FI4LIFE
Tue Sep 17, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: College savings options
Replies: 23
Views: 2390

Re: College savings options

Thank you everyone for giving me insight about college saving plans. I am going to start contributing for 529 plans hopefully every year that should be suffice for there education. One thing I found out reading about the 529 plans that if kid get get some financial award or scholarship from the col...
by FI4LIFE
Thu Sep 12, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4572

Re: Best Dog Car?

This thread will be used by future teachers during their "fall of Western Civilization" classes.

To answer your question, any SUV or hatchback that will fit them in the cargo area.

:P
by FI4LIFE
Wed Sep 11, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Update and Advice Needed Re: Any Recourse for Poor Contractor Work (A/C Installation)
Replies: 44
Views: 3234

Re: Any Recourse for Poor Contractor Work (A/C Installation)

I am a Heating and Cooling contractor in Ohio and don’t see that type of unit much here. But if I were in your shoes I would call the building department in your city and have the inspector look over the installation instructions to make sure it is properly sized, installed and up to code. I would ...
by FI4LIFE
Mon Sep 09, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5451

Re: Retirees: Ever feel really lazy?

I have been lazy all my life. was a complete goof off in med school. Then came to the U.S.A. in 1976 and had no choice, had to work hard to make money, keep my job etc. retired 2016. Love to read, but too lazy to go to the library and borrow books. Had to force myself to write this. You win! Too la...
by FI4LIFE
Sun Sep 08, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5451

Re: Retirees: Ever feel really lazy?

My father is in his mid seventies. Retired for almost 10 years now. His lounge chair gets a lot of use. He usually likes to tinker with a project for 2-3 hours a day and that is the limit of his daily activity. For a guy who used to work 60 hours a week and handle all home repairs/maintenance this i...
by FI4LIFE
Sun Sep 08, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 26
Views: 1787

Re: Microwave keeps tripping circuit breaker

I would attempt a return. Make a stink and hope for a discount on the new one. I might try swapping out the 20 amp breaker before replacing the microwave but would only let it trip once before unplugging the microwave permanently. AS OTHERS HAVE STATED, STOP USING IT. THIS IS A FIRE HAZARD.
by FI4LIFE
Sat Sep 07, 2019 3:13 pm
Forum: Personal Investments
Topic: Quick sprint to pay off mortgage make sense?
Replies: 11
Views: 978

Re: Quick sprint to pay off mortgage make sense?

I would not be too concerned about the opportunity cost of paying off the mortgage instead of investing. You are in a good financial position and you will have an immediate benefit in lower stress/ more free time for DH in 3 years. If you are not quite ready, put the money into a taxable account for...
by FI4LIFE
Fri Sep 06, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 77
Views: 11004

Re: How much to tip movers?

Not an exact example but I had kitchen cabinets delivered to my house. The truck driver only drove the tractor trailer and was not responsible for unloading. He was a little chatty for my taste. My father and I were unloading everything ourselves and he just stood there talking and talking, which wa...
by FI4LIFE
Mon Sep 02, 2019 4:33 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6108

Re: How to help niece improve her driving

.... Learning how to allow the vehicle transmission to slow the car down prior to applying the brakes is a great skill to learn and generally the most neglected skill I've noticed in drivers I would classify as "scary"...i.e. last second stoppers. .... You mean learning to take your foot off the ga...
by FI4LIFE
Sun Sep 01, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6108

Re: How to help niece improve her driving

I would suggest a driving course using manual transmission. Gives you a better feel for the car. She might even benefit from permanently driving stick, assuming she can figure it out and if that's even possible today with almost exclusively automatic vehicles. Why would this be beneficial? It's jus...
by FI4LIFE
Sun Sep 01, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6108

Re: How to help niece improve her driving

I would suggest a driving course using manual transmission. Gives you a better feel for the car. She might even benefit from permanently driving stick, assuming she can figure it out and if that's even possible today with almost exclusively automatic vehicles.
by FI4LIFE
Sun Sep 01, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8607

Re: Coffee becomes cold too soon

Hello friends, I like my coffee warm. And I like to drink it slowly in a regular mug. But it gets cold too fast for me. So I have to keep warming the mug in the microwave (I drink 1/3, then warm it, then at 2/3, I warm it again). Anyone else face this situation :) Any neat solution you found? You c...
by FI4LIFE
Sat Aug 31, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8607

Re: Coffee becomes cold too soon

Hello friends, I like my coffee warm. And I like to drink it slowly in a regular mug. But it gets cold too fast for me. So I have to keep warming the mug in the microwave (I drink 1/3, then warm it, then at 2/3, I warm it again). Anyone else face this situation :) Any neat solution you found? You c...
by FI4LIFE
Thu Aug 29, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2748

Re: Maui Honeymoon Daily Spending Budget

We also went to Maui. No clue how much we spent but I would guess more than $2k for a comparable period of time. The fact that I don't know what we spent should tell you how important the $500-1000 dollar difference is in the long run. You have the rest of your life to pinch pennies. Save more and e...
by FI4LIFE
Tue Aug 27, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8607

Re: Coffee becomes cold too soon

OP, I too am particular about my coffee temperature. What I have found works best is to use a regular old coffee maker with a hot plate and to simply top the 1/3 off when it’s no longer to my liking. If my work environment wasn’t conducive, I would buy a cheap hot plate for a cup. These $100 coffee...
by FI4LIFE
Tue Aug 27, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4271

Re: Mouse invasion!

Along with the other snap trap suggestions, I make the bait hard to get off the trap by wrapping it in foil or jamming chocolate or seeds into the cracks of the bait platform. Nutella is too soft and easy to lick off. Jam part of a Snickers bar in there and cover it with peanut butter and some foil....
by FI4LIFE
Thu Aug 22, 2019 6:51 pm
Forum: Personal Investments
Topic: Personal Capital Sales Pitch -- Thank You Bogleheads
Replies: 4
Views: 783

Re: Personal Capital Sales Pitch -- Thank You Bogleheads

I just ignore PC calls and notifications. I refuse to speak with anyone.
by FI4LIFE
Wed Aug 21, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Re: Should I paint dark brown wainscotting?

Paint it but don't be surprised if it takes several coats now and another one a year from now when the stain bleeds through. Still easier than the alternative.
by FI4LIFE
Tue Aug 20, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Best place for Shopping mortgage refi rates?
Replies: 12
Views: 1070

Re: Best place for Shopping mortgage refi rates?

The biggest bank in your area will likely have the best rates. For me, that's Wells Fargo.
by FI4LIFE
Sun Aug 18, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 5886

Re: How to read (and retain)?

Try the app Blinkist. It summarizes books so you can read them (or listen to them). In 10 min. I’ve found it the fastest way to get the key points from a book. I’m resign 5 books a week now. Does blinkist have their own catalog of material? I would assume they don't have niche technical textbooks e...