Search found 1705 matches

by wilked
Thu May 21, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1286

Re: Can I afford to buy an expensive guitar?

My advice - don't splurge on items like these. Buckle down and focus on paying down debt
by wilked
Thu May 21, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Finally! Income more than doubled - review
Replies: 12
Views: 1824

Re: Finally! Income more than doubled - review

Focus on paying off student debt

Then save for a lightly used car, pay cash

Then focus on maxing retirement savings

Then start saving for a house.

Why the rush to buy a house? At your age I would value mobility and career over home ownership
by wilked
Thu May 21, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1653

Re: Buying tires for 2017 Subaru Outback

Toyo Celcius or Continental Extreme Contact DWS 06
by wilked
Thu May 21, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1765

Re: Blown Power Amplifier: Repair or Replace?

I would buy this
https://www.ebay.com/itm/NAD-2400-2-Cha ... Sw5QVexXym

$235 shipped. If you get another 26 years that's less than $10/yr
by wilked
Thu May 21, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 28
Views: 1203

Re: Furniture for an infant in the living room

Faisal wrote:
Thu May 21, 2020 11:18 am

Also no carrying the baby in the kitchen. Plus i doubt you will have any time in the first three months to be in the kitchen for a long time.
This is a good point, stroller use only in the kitchen
by wilked
Thu May 21, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Junipers Growing Very Slowly
Replies: 8
Views: 566

Re: Junipers Growing Very Slowly

What is the pH of the soil?
by wilked
Thu May 21, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 28
Views: 1203

Re: Furniture for an infant in the living room

Babywearing? Seriously, most of ours were very vocal about being put down somewhere alone during 0-6 months (especially 0-3 months), which led to my belief that tiny humans are designed to be very upset without another human's touch for periods of time. They were happy if in a boba wrap or ergo bab...
by wilked
Wed May 06, 2020 7:19 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3023

Re: How do I get out of home a partnership agreement?

He messaged me and said he has no plans to sell the house for the foreseeable future. He said if I want my 20% down payment back he would refinance but will not give me the 40K equity (he would keep all 80K of equity for himself) because he said we never agreed how long he could borrow the money. O...
by wilked
Mon May 04, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2729

Re: Keep debit card locked at all times?

I've given up on a wallet and moved to this more secure system

https://previews.123rf.com/images/arbae ... itcase.jpg
by wilked
Mon May 04, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1077

Re: How do i check if a room has a draft or leak?

Thanks for all the help guys. The garage ceiling is nit finished. And the garagr door is not insulated. Looks like i have my summer project with some expert help. Thank you again. If the ceiling is not finished then you can see the bottom of the floor above, and can see clearly if there is insulati...
by wilked
Fri May 01, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1077

Re: How do i check if a room has a draft or leak?

Thanks guys for all the inputs. The room has two exterior walls and two windows in the wall. The room sits over the garage. I am not sure if the floor between the garage and the room is insulated. Using the baby camera i have figured out it is usually 2 degrees colder than other rooms. is your gara...
by wilked
Fri Apr 24, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fast/Inexpensive Home Equity
Replies: 10
Views: 540

Re: Fast/Inexpensive Home Equity

If speed is a priority I would consider using a bank you already have an account with
by wilked
Thu Apr 23, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1672

Re: Which new kid's bike to buy online?

My 7 year old has been switching gears for a year. It comes pretty naturally.

Also, buy second hand on bikes til they are in their teens. They outgrow bikes quickly. Also good for the environment
by wilked
Mon Apr 20, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase amid virus uncertainity
Replies: 17
Views: 1975

Re: Home purchase amid virus uncertainity

Use real numbers, not multiples

-What is your current debt situation?
-What is your liquid savings (ie house savings and separately emergency fund savings)?
-What is your gross salary?
-What range of prices are you using to search houses?
by wilked
Fri Apr 17, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a home in this range?
Replies: 31
Views: 2742

Re: Can I afford a home in this range?

I would set aside $50k for a nice Emergency Fund. I would pay off the wife's student loans with the remaining $300k. I would then pay off your $85k as fast as you can. Then save for a down payment. With $700k or $400k income this shouldn't take that long. 2 years. With a new infant you need about 2...
by wilked
Thu Apr 16, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5035

Re: How to get N95 masks? Seriously

It would seem prudent and cautious to use the best personal protection of any kind for any situation that is available and obtainable. The thing about personal choices is that they are. . . so personal. :happy j :happy Agreed. I picked up 4 of these for my family and am encouraging my neighbors to ...
by wilked
Wed Apr 15, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: Beware of HELOC freezes.
Replies: 22
Views: 2289

Re: Beware of HELOC freezes.

Just emailed my local bank, they say new HELOCs are on hold for a few months due to CoV19

Has anyone initiated a new HELOC in the last couple weeks?
by wilked
Wed Apr 08, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4036

Re: Reducing home buying price due to coronavirus uncertainty?

Supply will be reduced, there will be no discount.

The market doesn't give a fig about 'fairness'.

Based on the uncertainty with your job I would sit it out for a year and re-evaluate then
by wilked
Wed Apr 08, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 57
Views: 5031

Re: Coffee grinder

We use a Krups coffee grinder, going on 10 years. When it dies I will buy another from them
by wilked
Fri Apr 03, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5531

Re: Should I cancel my travel in France and Belgium in mid May?

Anything before Sept should probably be canceled / delayed
by wilked
Fri Mar 06, 2020 1:14 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9910

Re: Parents retiring with $500k saved - Things look OK?

I've heard good things about this for an FA

https://planvisionmn.com/

Haven't used it myself though
by wilked
Thu Mar 05, 2020 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Refi - walk me through this pls
Replies: 34
Views: 2411

Re: Refi - walk me through this pls

wildcat123 wrote:
Wed Mar 04, 2020 2:03 pm
Can you share where you are seeing 2.5% for 15 year fixed. The best I could find so far is 2.625% for 15 yr fixed with no costs.
Thanks in advance!
These prices are moving each day. What is 2.5 one day may be 2.625 the next
by wilked
Thu Mar 05, 2020 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Another Refi Question
Replies: 2
Views: 304

Re: Another Refi Question

Are you certain all of these are $0 cost? That includes 3rd party costs such as title ins, filing costs, etc?
by wilked
Thu Mar 05, 2020 5:30 am
Forum: Personal Investments
Topic: Mortgage refinance
Replies: 30
Views: 3346

Re: Mortgage refinance

How long will you be in the home?
by wilked
Thu Mar 05, 2020 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Refinance 2.75% 30 year fixed??
Replies: 16
Views: 2971

Re: Refinance 2.75% 30 year fixed??

See if you can find a 2.5% 15 yr
by wilked
Thu Mar 05, 2020 5:28 am
Forum: Personal Finance (Not Investing)
Topic: How to decide whether to refinance?
Replies: 6
Views: 701

Re: How to decide whether to refinance?

Those rates aren’t enough of a difference to justify the fees IMO
by wilked
Thu Mar 05, 2020 5:27 am
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 82
Views: 12229

Re: The unicorn mortgage: 30 year fixed under 3%

I’ve been toying with a refinance but I went to loan depot and I’m a bit scared to wanted my phone number. I don’t want a barrage of phone calls. Do they shop your info out to a bunch of different lenders ? ha i'm in the process with lenderfi and it's the exactly opposite. we've uploaded all of the...
by wilked
Thu Mar 05, 2020 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

Momus wrote:
Thu Mar 05, 2020 2:11 am
I got 3.125% 30 yr in 2013. At what point, refinancing is better for me? I don't think it's worth it yet given the current rate... What do you guys think?
I’d think moving to a 15 yr would be the only possibility for you
by wilked
Thu Mar 05, 2020 5:25 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 284
Views: 42049

Re: 30 year mortgage under 3%

It’s amazing to me that it’s 2020 and only lenderfi is able to give good quotes without having to talk to anyone. I would think this would have been commoditized long time ago. American Federal Mortgage has been great. All contact through email. Very user friendly application and documentation proc...
by wilked
Wed Mar 04, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

I just refinanced my home through Costco (they have 6 or 8 preferred lenders)... the way they minimize closing costs is pretty awesome. I did a 30 year at 3.25% (I owe 407k on a house worth ~ 650k) and my closing costs were around $1,000. I received a $700 lender credit on top of that and they waiv...
by wilked
Wed Mar 04, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

I just refinanced my home through Costco (they have 6 or 8 preferred lenders)... the way they minimize closing costs is pretty awesome. I did a 30 year at 3.25% (I owe 407k on a house worth ~ 650k) and my closing costs were around $1,000. I received a $700 lender credit on top of that and they waiv...
by wilked
Tue Mar 03, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Umbrella with different home carrier ?
Replies: 14
Views: 982

Re: Geico Umbrella with different home carrier ?

If you split they will cancel the umbrella on you once they learn it. Happened to me recently Please clarify. Who will cancel? I have Geico Auto and Umbrella. Home is State Farm. It's always been that way. Geico is aware I have State Farm home. Geico doesn't even offer home in my state. I have Geic...
by wilked
Tue Mar 03, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Umbrella with different home carrier ?
Replies: 14
Views: 982

Re: Geico Umbrella with different home carrier ?

If you split they will cancel the umbrella on you once they learn it. Happened to me recently Please clarify. Who will cancel? I have Geico Auto and Umbrella. Home is State Farm. It's always been that way. Geico is aware I have State Farm home. Geico doesn't even offer home in my state. I have Geic...
by wilked
Tue Mar 03, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

Just to be certain on terminology, when people say ‘no cost’ they mean no bank fees, yes, third party fees (appraisal if needed, licensing, etc) are unavoidable and can be paid direct or rolled into loan
by wilked
Tue Mar 03, 2020 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Geico Umbrella with different home carrier ?
Replies: 14
Views: 982

Re: Geico Umbrella with different home carrier ?

If you split they will cancel the umbrella on you once they learn it. Happened to me recently
by wilked
Tue Mar 03, 2020 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

Current: 395k @ 4.125. 315 months remaining. Both options below save at least 40k in total costs over this. 20 year at 3% 2600 closing versus 15 year 2.625% 2000 closing. Mortgage professor tells me the difference is some 11k in total costs after 20 years and extra payments of $500 a month. Max dif...
by wilked
Mon Mar 02, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

I’m about 5 months in on a 30-yr fixed 3.75% loan of 350k. Lender contacted me today offering a no fee refinance at 3.375%. I’m in MA. This is a no-brainer right? Sure I could hold off to see if rates drop more but I already stand to save ~$75 a month. At the cost of a credit pull and extending loa...
by wilked
Mon Mar 02, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

What is the lowest rate one would have and still make 'general' sense to pursue a ReFi today? For instance, if you had a 3.25% rate and were trying to find a 3% rate, that probably doesn't makes sense. And if you are carrying a 4.5% rate you should definitely seek a ReFi. Where do people suppose the...
by wilked
Fri Feb 28, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

Original: 3.875% ~$340k 30 year fixed from mid-2013 that I've been paying extra on recently (now down to about $275k after large payment from RSU vesting before I looked at rates/thought about refinancing) New in progress and locked: 2.875% 15 year fixed from a local bank for ~$275k. Looking like $...
by wilked
Thu Feb 27, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Regarding Business Insider iPhone App
Replies: 1
Views: 88

Re: Regarding Business Insider iPhone App

Another issue I recently had with them is learning that they may not, in fact, be actual insiders. But of false advertising if you ask me
by wilked
Wed Feb 26, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23920

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

We booked a trip to Ecuador in April. The company was doing discounts on a trip we had already planned on taking. We also plan on visiting the major amusement parks in Orlando, where we fly out of. I"m not in the slightest bit worried about traveling internationally. I have a 1/103 chance of being ...
by wilked
Tue Feb 25, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1465
Views: 135586

Re: Refinance Mega Thread

Thanks! I did ask ~10 lenders to see if they could beat the LoanDepot offer but so far none can. Better does not serve MA. LenderFi was coming in worse than LoanDepot. I am including a screenshot of my rate shopping so far in case it helps someone. https://i.imgur.com/PdAKA2L.jpg Thanks! I’m in MA ...
by wilked
Thu Feb 13, 2020 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Should I find a different job with a better commute?
Replies: 50
Views: 3472

Re: Should I find a different job with a better commute?

You present the problem as binary (status who vs new job closer for less pay). A good negotiator rejects binary solution making and does creative brainstorming. You’ve got good ideas above. If you are valuable to the company they will work with you to retain your services while also helping improve ...
by wilked
Tue Feb 11, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

Take a photo / post an example. You’ll get more focused advice
by wilked
Thu Jan 30, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: When do you replace water heater?
Replies: 29
Views: 2402

Re: When do you replace water heater?

viewtopic.php?t=251021

Topic has been asked multiple times
by wilked
Wed Jan 29, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9613

Re: Daughter's Boston Job Offer

I’m an engineering manager for a biotech in Boston. Couple questions: Does she have any experience? Co op / internship? And is this biotech or is it med devices? Can you say the job title she is applying for? It’s a low salary. I graduated twenty years ago ChemEng and that was my starting salary the...
by wilked
Sat Jan 25, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate a severance
Replies: 61
Views: 4760

Re: How to negotiate a severance

This is an odd thread You had a medical issue and had to significantly reduce hours. In turn your employer significantly reduced your workload. Then you said I am easy for more work but didn’t immediately receive more workload. Then company announced layoffs, and now you want a double payout of a se...
by wilked
Thu Jan 23, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 41
Views: 2947

Re: How much house can we afford?

I made a few assumptions from your numbers You would go from: +$250K home equity +$120K cash 7 years remaining on a 15 year mortgage, 2.5% rate, monthly payment of $1500 -$150K remaining on mortgage to +$250K home equity +$80K cash ($40K goes to realtors/movers/lawyers/furniture/etc) 30 years remain...
by wilked
Thu Jan 23, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: $2 million at a young age
Replies: 78
Views: 8916

Re: $2 million at a young age

What is your education level? What do you want to do professionally in life?