Search found 68 matches

by FI4LIFE
Wed Jun 19, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1013

Re: How to take care of this mold in the bathroom

Run the water or have a family member shower and just watch. You'll figure it out.
by FI4LIFE
Wed Jun 19, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1013

Re: How to take care of this mold in the bathroom

Replace the base moulding (it is not sheetrock as stated above). Make sure the moulding is wood or PVC (not particle board/mdf). Spray the rest of the area with 1:10 bleach:water or tilex, let sit for 5 minutes and wipe clean. Figure out why the shower/tub is leaking and fix that. Can't see the pict...
by FI4LIFE
Mon Jun 17, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4033

Re: My Bad Experience With Angie's List

Go to your local lumber yard and describe the work you need done. I'm talking about real lumber yard (not home depot). Ask the sales clerk if he/she can recommend anyone or tap on a contractors shoulder and ask. Professional paint stores are a good place to shop around too since a lot of painters ar...
by FI4LIFE
Mon Jun 17, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 3875

Re: how is Home Depot's contractor service (for a water heater)?

Support your local community tradespeople by dealing with them directly. HD and Lowe's will take their cut and whatever is left will go to the tradesman. Some will not care about this but I do. I don't like big corps funneling money out of my community.
by FI4LIFE
Sun Jun 16, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 3875

Re: how is Home Depot's contractor service (for a water heater)?

runner3081 wrote:
Sat Jun 15, 2019 5:31 pm
Depends on who they sub it out to.
Exactly. Flip a coin.

You're better off getting recommendations from friends for a good plumber.
by FI4LIFE
Sun Jun 16, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 506
Views: 41092

Re: Why are you NOT buying rental properties?

I read about real estate investing for fun but every time I evaluate a property, the numbers don't work out vs. index investing where I can just sit at a computer for two minutes and push a button. I am not in a good rental market. Properties that meet the 1% rule are in "war zones" with an impoveri...
by FI4LIFE
Thu Jun 13, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10741

Re: Retired at 35 and have no friends :(

Nurses, firefighters, police officers, paramedics/EMTs, other medical professionals, teachers (summer), older retired people, stay-at-home parents are all home during "normal" working hours.
by FI4LIFE
Thu Jun 13, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3691

Re: Late Life/End of Life Expenses

I have recently acquired a deep interest in end of life decision making... perhaps it is a mid-life crisis. I am always curious when an elderly person decides to undergo intense life-saving surgery for cancer or some other ailment. I don't have an exact age where I feel this is foolish, but it's som...
by FI4LIFE
Sun Jun 09, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 5773

Re: lawn care cost

I despise the fact that my neighbors all use professional lawn services. Their giant equipment is so loud. Never a peaceful day all summer long.
by FI4LIFE
Sun Jun 09, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17516

Re: Are You Dumping Netflix?

I'd be happier with 5 good dramas instead of hundreds of mediocre shows but I haven't cancelled yet.
by FI4LIFE
Thu Jun 06, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 36
Views: 3000

Re: New Roof - to RidgeVent or to not RidgeVent

This is just a trick by the one roofer to appear cheaper than his competition. Throw his bid in the garbage. You need soffit and ridge vents. Any roofer without a carpenter on hand to make rake/fascia repairs is a hack. Just had my roof done plus all trim boards. Roofers handled everything and did a...
by FI4LIFE
Thu Jun 06, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 5998

Re: Value of Zillow house price estimate

I found my house on Zillow listed under "pre-forclosure". After many phone calls and emails to both Zillow and my mortgage company as well as a trip to town hall I could not figure out why it was listed there. Zillow was very non-committal in their responses. Since then I am distrustful of anything ...
by FI4LIFE
Thu Jun 06, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51762

Re: What is/ was your career and would you recommend it now?

Military officer for 9 years. Now IT Management at a megacorp. Still part time military officer (National Guard). And my favorite job, husband and father of 3. I haven't planned much of where I've ended up, but it has all been good. I recommend the military, either active or reserve, officer or enl...
by FI4LIFE
Wed Jun 05, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7461

Re: Favorite youtube channels?

Any Bill Burr stand up or late night appearance is worth watching.
by FI4LIFE
Wed Jun 05, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4453

Re: Paying half of my paycheck on health insurance?

I might forgo insurance as a young, healthy individual. I know I will get lambasted for that but it's the reality of today's healthcare system.
by FI4LIFE
Tue Jun 04, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6859

Re: Tell us your side hustle success stories.

I'll give a side-hustle failure story. General carpentry is a terrible side hustle IMO. I tried it for a while and wasted so many hours trying to properly price jobs that I wouldn't get anyway, loading up and setting up/taking down tools for odd jobs, running to the hardware store for that one thin...
by FI4LIFE
Tue Jun 04, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2516

Re: New refrigerator noise is driving us nuts

Luckily home depot will take back anything. I love our Samsung appliances. They were cheap too. I never hear our fridge. It is 1 year old.
by FI4LIFE
Tue Jun 04, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6859

Re: Tell us your side hustle success stories.

I'll give a side-hustle failure story. General carpentry is a terrible side hustle IMO. I tried it for a while and wasted so many hours trying to properly price jobs that I wouldn't get anyway, loading up and setting up/taking down tools for odd jobs, running to the hardware store for that one thing...
by FI4LIFE
Mon Jun 03, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6962

Re: Do you drive old cars for long distance travels?

200k miles is the new 100k miles. My 15 year old Toyota Highlander has 105k miles. I'd drive it anywhere tomorrow and assume the same will be true 5 years from now. The worst thing that happens is it breaks down and we have to rent a car. This is incredibly unlikely to happen but is not a big deal i...
by FI4LIFE
Mon Jun 03, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8016

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

This whole thread is why you should keep things simple and leave everything to your kids and let them sort it out. This doesn't work for every single situation but works for most.
by FI4LIFE
Mon Jun 03, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2871

Re: 23 and me vs. ancestry- thoughts?

livesoft wrote:
Fri May 31, 2019 1:46 pm
The best use of these things is to find out that one's parent is not your biological parent.
Or to find out that you are not Irish and have mistakenly gotten a shamrock tattooed on your arm.
by FI4LIFE
Mon Jun 03, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3691

Re: Invited to vacation house then surprised with expenses—what now?

I would, as others have said, just pay up now and remember for next time, even though your in-laws are completely in the wrong. In the grand scheme of things $1100 is a small price to pay.
by FI4LIFE
Mon Jun 03, 2019 8:03 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 17
Views: 3238

Re: Can't do this alone-need a financial planner-please help!

If you break everything down into pieces it is not too complex. Your retirement account: Sounds like you are self-employed? You can contribute up to $19000 per year to a self-directed 401k (if that is what you opened). If you are not interested in monitoring investments just pick a low-fee target da...
by FI4LIFE
Sun Jun 02, 2019 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

My favorite stress free job in my life as a 15 year old was working at a pizza parlor. I would like to eventually work in the food service and entertainment industry. I have no interest in owning a restaurant but would enjoy learning to make and serve food and drinks in a small family (someone else...
by FI4LIFE
Sat Jun 01, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

My favorite stress free job in my life as a 15 year old was working at a pizza parlor. I would like to eventually work in the food service and entertainment industry. I have no interest in owning a restaurant but would enjoy learning to make and serve food and drinks in a small family (someone else...
by FI4LIFE
Fri May 31, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51762

Re: What is/ was your career and would you recommend it now?

Random Poster wrote:
Fri May 31, 2019 9:20 pm
FI4LIFE wrote:
Fri May 31, 2019 6:45 pm
Times are changing with stricter building codes making fires less common than 20-30 years ago.
Seems like that would be a good thing, right?
Yes but what does a firefighter do 30 years from now when there are no more fires?
by FI4LIFE
Fri May 31, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51762

Re: What is/ was your career and would you recommend it now?

Firefighter for the last 15 years. Great job for someone who doesn't know what they want to be when they grow up. Pay and benefits are regional. I do fairly well in my HCOL area after moving through the ranks a bit. Times are changing with stricter building codes making fires less common than 20-30 ...
by FI4LIFE
Fri May 31, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11011
Views: 1920619

Re: U.S. stocks in free fall

At what level do you plan to deploy? Don't follow me. I'm always wrong. That being said I will begin to nibble when we are down 10% from highs. Probably up to 50% of cash reserves will be deployed as we approach (if we approach) -20%. The rest I'll hold on to as emergency fund only to be deployed i...
by FI4LIFE
Fri May 31, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36822

Re: For those who earn $500k+ per year. How'd you do that?

For those asking, we don't need to split hairs. If you make $489k you can still contribute. If a two income household is bringing in $500k+ you can contribute too. It's an open discussion.
by FI4LIFE
Fri May 31, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36822

For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story?
by FI4LIFE
Fri May 31, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

If you're near water and like boating, being a launch driver at a nearby marina may fit your description. I've come across a few early retired launch drivers in the last few years. People are generally in a good mood when heading out to their boat on a nice day. I had a launch operator job as a you...
by FI4LIFE
Fri May 31, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11011
Views: 1920619

Re: U.S. stocks in free fall

For those eagerly anticipating a big crash, don't hold your breath. I'm sitting on a big pile of cash which is pretty close to a guarantee that no big drops are coming. The investment gods don't like giving me stocks at bargain prices. :) At what level do you plan to deploy? Don't follow me. I'm al...
by FI4LIFE
Fri May 31, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11011
Views: 1920619

Re: U.S. stocks in free fall

For those eagerly anticipating a big crash, don't hold your breath. I'm sitting on a big pile of cash which is pretty close to a guarantee that no big drops are coming. The investment gods don't like giving me stocks at bargain prices. :)
by FI4LIFE
Wed May 29, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

If you have thick skin any type of refereeing can be fun if there is a particular sport you like.
by FI4LIFE
Tue May 28, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 4881

Re: FIRE in 6-7 years vs 20+ years

Hold off on any long term planning until you are done having kids. They tend to throw a wrench in things
by FI4LIFE
Tue May 28, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6075

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

It is a commonly held misconception that new homes will not have problems. New homes settle and this can cause issues. I prefer an older home. What has changed in my area is a flood of illegal, unskilled labor. This has undercut builders who prefer not to hire undocumented labor. All the quality bui...
by FI4LIFE
Mon May 27, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage when losing a job?
Replies: 13
Views: 1223

Re: Pay off mortgage when losing a job?

I would think about downsizing if the kids will be away at college. If they will still be living at home and commuting to school then stay put. Children may have to take out loans for school which you can help out with. Do not pay off the current mortgage. You sound panicked. Relax. You are in a goo...
by FI4LIFE
Sun May 26, 2019 5:29 am
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3706

Re: How much to tip food delivery driver

There are some generous tippers here. I bet most people tip $4-6 dollars for a relatively close restaurant delivery that was not excessively large. I never considered using a percentage of the bill. I just think about how much food the guy/girl has to carry. Also, I would never order delivery again ...
by FI4LIFE
Sat May 25, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11311

Re: Should I encourage my kids to work in high school/college?

I winced reading that someone winced about a teenager taking initiative to earn their own money. This is the first step towards autonomy and should never be discouraged IMO. I can't recall much from my highschool lessons but the lessons I learned from working and interacting with adults at that time...
by FI4LIFE
Wed May 22, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2351

Re: Compound miter saw recommendation

Thanks everyone. Another question is if the sliding feature worth it? For simple projects it doesn't look necessary. I'll be a contrarian and recommend specifically not getting a sliding saw unless you have a reasonable expectation of cutting lumber large enough to require the feature, and doing so...
by FI4LIFE
Sun May 19, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Disposing of Residential Landscaping Rocks, Concrete, etc...
Replies: 22
Views: 1835

Re: Disposing of Residential Landscaping Rocks, Concrete, etc...

My local stone yard would take all of this stuff. They crush anything they can't sell for concrete mix. The only issue is getting it there. Try your local stone/gravel supplier.
by FI4LIFE
Sun May 19, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 37
Views: 3055

Re: Good quality sneakers for someone with foot issues?

Great stuff everyone. Thanks. I think I will try Zappos and get a few of the pairs suggested.
by FI4LIFE
Sun May 19, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2351

Re: Compound miter saw recommendation

Spend the money. A quality new compound mitre saw will run about $500. A used one will probably still cost a good penny. You won't remember a year from now if you spent $250 or $600 but you will curse and throw things when you need that extra inch or two of cut that the sliding component gives you. ...
by FI4LIFE
Sun May 19, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 37
Views: 3055

Good quality sneakers for someone with foot issues?

I have custom insoles to help me deal with some foot issues. I tend to roll my feet inward which causes major pain in my big toe joint. The insoles work, but only with a decent shoe. I'm looking for a versatile sneaker for everyday use. I don't run, but am active and lift weights.
by FI4LIFE
Sun May 19, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2921

Re: Crazy to Sell a Newer Car for an Older Car?

I don't have any specific recommendations on this unique situation, but I find people on this forum tend to be more "spendy" on cars than some other financial forums. A car with 100k miles today is only 2/3 to 1/2 way through it's lifespan (make/model dependent of course). A great car can be had for...
by FI4LIFE
Sat May 18, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6225

Re: Why do plumbers get paid so well?

In my experience, a good plumber is worth every penny. Plumbing is a trade that homeowners can't just "figure out". It requires specialized knowledge and tools. Professional, prompt, and skilled plumbers make great money. Lousy ones can still earn enough to get by. Many are simply unable to continue...
by FI4LIFE
Fri May 17, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Cost to regrade/flatten a backyard
Replies: 26
Views: 1655

Re: Cost to regrade/flatten a backyard

I did a similar sized project. I can't remember how much fill we brought in but the wall was about 90'. We did a 3 1/2 foot tall boulder wall and reseeded an area approximately 1/4 acre. Cost us $19k. Dirt ain't cheap. This is HCOL New York City suburbs. We wanted a taller wall but at that height in...
by FI4LIFE
Fri May 17, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 126
Views: 17581

Re: Cash - Throw it all on the table!!!

Only 1-2 months. My HELOC is my emergency fund. I do keep some cash in retirement accounts, about 7% of assets at the moment.
by FI4LIFE
Fri May 17, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How do I value wife's pension?
Replies: 23
Views: 1842

Re: How do I value wife's pension?

It would be interesting to see a formula for this calculation. I am with the OP in that I will one day have a pension that I would like to know the value of. The reasons for this are as follows: -It doesn't have a cola so I have a hard time plugging it into my long term calculations. -I may consider...
by FI4LIFE
Thu May 16, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1413

Re: [Another] How much to spend on a car/what to get thread

$14k/month after tax income seems extremely low. Are you sure? I would not buy an expensive car, maybe no more than $35k, pay cash, and then pay off your debt asap. With your income should be easy. Build up your net worth over the next few years to >$1m then upgrade if you want to a luxury car. Lif...