Search found 1293 matches

by wilked
Tue Aug 21, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 19
Views: 2737

Re: Finishing a Basement

I would advise against finishing a basement. Make the kids play outside instead. If you insist, watch this before getting involved with a contractor. Contractors are the devil. https://www.youtube.com/watch?v=j7zVv_rbLnI&t=1079s this is the right answer... As an engineer, there is no substitute for...
by wilked
Mon Aug 20, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1507

Re: Free Tire Change of Flat

carolinaman wrote:
Fri Aug 17, 2018 7:08 am
Being stranded on the road is a very dangerous situation today
Why is this? I would say much safer than previous with advent of cell phones
by wilked
Fri Aug 17, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2696

Re: Quote from Electrician

Electrician will need two to three trips to the job site (pull permit, do work, get inspected). Could obviously combine two of those but permitting offices can be unpredictable, show up and no one’s there, or inspections rescheduled last min. He/she has to price that in. For each trip depending on c...
by wilked
Tue Aug 14, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: BH Sages - help me know if I'm on track!
Replies: 3
Views: 288

Re: BH Sages - help me know if I'm on track!

Tightening your budget is your main opportunity. $1000/month in food is much higher than average ($30/day). I assume you are eating out often. If you wanted to save more that is the first place to target. You can do a backdoor Roth and maximize your Roth ($5500). search the forum for more info Keep ...
by wilked
Wed Jul 11, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1965

Re: Deciding how much to spend on home remodeling

I'm still confused - how do you have no retirement money but half what is needed for retirement in savings? I ask as I think that will pertain to ability to afford a big expense like this
by wilked
Tue Jun 26, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11673

Re: $1 million house--- sanity check

The reason I'm even considering this is that the prices are going out of control in our neighborhood, and we currently live in a 1500 sq ft house. This new house is 3000 sq ft and the lot is twice the size as well. We would never have to move again. If we wait until we have a few kids, this house w...
by wilked
Sat Jun 16, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4817

Re: African Safari: Worth it or Hype?

Amazing

We did safari / Kili / Zanzibar. Best traveling I have ever done
by wilked
Fri Jun 15, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1629

Re: convert 4 wire to a 3 wire switch

Post a photo t existing wiring and link to new switch
by wilked
Tue Jun 05, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3174

Re: Should I replace my water heater?

replace

and for everyone reading this - don't forget to replace your anodes every 5-10 years. Just replaced mine on my gas water heater, anode had only 20% left. Cost me $20 and supposedly doubles life of unit
by wilked
Mon Jun 04, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 6425

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

You received some great advice in your other thread, why did you not follow-up on that one?

viewtopic.php?f=2&t=248564&p=3909888#p3909888
by wilked
Tue May 29, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put vacation fund.
Replies: 4
Views: 548

Re: Where to put vacation fund.

Savings account
by wilked
Sat May 26, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2243

Re: 3 days in Boston with an 8 year old

Science museum for sure
Aquarium is good too
8 is too old for the children’s museum

Duck boats for sure

If Sox are in town a ballgame is great. If they are not and the child is into baseball a tour is great

Lawn on d is a real cool destination spot for the family. Google it
by wilked
Sun May 20, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: When I retire, what do I sell?
Replies: 11
Views: 2487

Re: When I retire, what do I sell?

cyclist wrote:
Sat May 19, 2018 2:45 pm
When I retire, what do I sell?
Your alarm clock
by wilked
Sun May 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5680

Re: Finance a $28,000 house for Brother?

I tried to get him to join the Army when I did, but after he saw me being sent to war he didn't want to. I was with 1st infantry division& they were deploying every other year. I'll tell him to try to apply for a home loan, but since he is building credit I doubt it. After I joined I tried to get a...
by wilked
Sat May 19, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 49536

Re: "Why 97% of People Don't Use 529 College Savings Plans."

The OP does list out some valid negative aspects of 529 plans. But I felt they dont apply to me,. Reason being. I have already maxed out 401k, IRA, mortgage, cash balance, etc. I still have plenty monies left over. Yes of course I can and do put a good chunk of that into S&P index funds and other m...
by wilked
Fri May 18, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 25
Views: 2985

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

fittan wrote:
Fri May 18, 2018 10:26 am
BEST.....STUD.....FINDER....EVER.....

https://smile.amazon.com/CH-Hanson-0304 ... tud+finder
This is the correct answer.
We have an 1890s era fully plastered house. This finds the stud every time
by wilked
Fri May 04, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: They Should've Been Content With Earning the Market Return
Replies: 6
Views: 2020

Re: They Should've Been Content With Earning the Market Return

I'm just an ordinary average guy My friends all are boring And so am I We're just ordinary average guys We all lead ordinary average lives With average kids And average wives We all go bowling at the bowling lanes Drink a few beers Bowl a few frames We're just ordinary average guys Ordinary average ...
by wilked
Mon Apr 30, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 1071

Re: Gate latch that opens from both sides?

open_circuit wrote:
Mon Apr 30, 2018 10:20 am
https://www.homedepot.com/p/Everbilt-Bl ... /202042254

All of my gates at my prior house had latches like this. They are operable from both sides.
Yes, this is the one I have
by wilked
Sun Apr 29, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5453

Re: Maple syrup

HueyLD wrote:
Sun Apr 29, 2018 9:26 am
wilked wrote:
Sun Apr 29, 2018 8:14 am
How much is it at Costco?
https://www.costco.com/Kirkland-Signatu ... 33884.html
$50/gal

Thanks for the link
by wilked
Sun Apr 29, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 2922

Re: My first week of cycling in Slovenia and Croatia

Which bicycle are you using?
by wilked
Sun Apr 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5453

Re: Maple syrup

How much is it at Costco?
by wilked
Sun Apr 29, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5453

Re: Maple syrup

Looks like amazon best price is $60/gal
by wilked
Sun Apr 29, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5453

Maple syrup

Where does everyone buy?

What kind of price point ($/gal) do people pay?

We use a lot of syrup...
by wilked
Wed Apr 25, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 6525

Re: "How to Engineer your Layoff" book, has anyone read it?

I agree with the others. There is no better feeling than getting laid off
by wilked
Thu Apr 19, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1692

Re: Car value: old car with low mileage

Similar to the above... one strategy is this: Pick a number that you would be really happy to sell it for. I'm going to take a swag and say that is $4000. Take good photos of it, put it up on Craigslist in a city you don't live. Pick an analogous city (if you live in SF you might pick LA, if you liv...
by wilked
Tue Apr 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Adult Children Allowing Parent Some Control
Replies: 31
Views: 3765

Re: Account for Adult Children Allowing Parent Some Control

Phineas J. Whoopee wrote:
Mon Apr 16, 2018 4:35 pm
What's the difference between adult without scare quotes, and "adult" with them?
PJW
I think it goes

“Adult”
Then you become
‘Adult’
Next
Adult

And then finally Adult around 50 years old
by wilked
Sat Apr 14, 2018 6:17 am
Forum: Investing - Theory, News & General
Topic: Social Security survivor benefit
Replies: 11
Views: 855

Re: Social Security survivor benefit

They would just need to be married for 9 months, and then she would get full survivor benefits
by wilked
Tue Apr 10, 2018 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 11290

Re: Cash flow problems - best way to handle?

Anyone that is suggesting loans here is missing the forest for the trees. This is not a short term cash flow issue but a fundamental cash flow issue. There is a reason that lenders will not lend to you if Requires half of your take home pay going to housing. They have teams of statistical data sayin...
by wilked
Mon Apr 09, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 11290

Re: Cash flow problems - best way to handle?

You can't afford your budget with your take home. It's that simple. As others have said, issue #1 is the house. You can't afford it. If you were applying for a loan today you would get denied due to lack of income. I read the above and feel for you - you are in a tough spot. That doesn't mean you ha...
by wilked
Mon Apr 09, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2654

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

Head to NH/Maine, get outdoors. Plan a week and hit these things: 1. At least half the time outdoors in tents. But mixing it up with indoor not bad either 2. White Water rafting on the Penobscot. 3. Two decent hikes. Presidentials is an idea, Mt Willard's a nice one, lots of options. Appalachia or A...
by wilked
Fri Apr 06, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 4381

Re: VW Atlas

Considered it but like the MDX much better What do you like about the MDX better? The MDX seems a lot smaller. My wife had an Integra when she was in her 20s and it remains her favorite car ever and she has a major Acura bias. That is the primary reason But as to Pilot vs MDX, MDX is a bit smaller ...
by wilked
Fri Apr 06, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: House down payment - Smart for anything between 3.5% and 20%?
Replies: 23
Views: 1931

Re: House down payment - Smart for anything between 3.5% and 20%?

20%

If you don’t have it, but less house or save more
by wilked
Fri Apr 06, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 4381

Re: VW Atlas

Considered it but like the MDX much better
by wilked
Tue Apr 03, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 2384

Re: Random Walk on Sale

Great book
by wilked
Mon Apr 02, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 44
Views: 4026

Re: Can we afford this house?

I think OP assumed they need a bigger apt w baby. I don’t think that’s the case. Most people I know, the baby is sleeping in parents room for first 4-6 months (ie Jan-Mar 2019). Stick w smaller apt, save aggressively, get that 20% nut and shop in 12 months.
by wilked
Sun Apr 01, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 44
Views: 4026

Re: Can we afford this house?

Keep saving, buy a home next spring

Baby will be just starting to crawl around then, which will be good timing
by wilked
Sat Mar 31, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4779

Re: Tired of gas grills rusting out...

I highly suggest looking used first

Get something like this around the $100 price point

https://providence.craigslist.org/hsh/d ... 67209.html
by wilked
Fri Mar 30, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: HOA Sprinkler Burst: $25,000 fix
Replies: 29
Views: 2917

Re: HOA Sprinkler Burst: $25,000 fix

Lots of what I believe is bad advice being offered here. Credentials don't mean everything, but I am a ChemE and work in Manufacturing - in other words this stuff is my job day in and day out First, don't use antifreeze. As others (correctly) noted it is a temporary solution (if there is a discharge...
by wilked
Wed Mar 28, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 23855

Re: Invest in Tesla?

BradJ wrote:
Wed Mar 28, 2018 10:14 am
Is it a good time to buy Tesla?
Depends, what is the car it is replacing? How many miles is your daily commute?
by wilked
Tue Mar 27, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 3230

Re: Knob and Tube rewire cost

If you want any other electric changes, now is the time... Things to consider - 1) New light switches, new dimmers, or moving light switches 2) Upgrade lights (recessed?), add a light, etc 3) New outlets, or upgrade 'two-prongers' to three 4) Demo out / remove unwanted outlets / outlets in weird loc...
by wilked
Mon Mar 26, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4745

Re: House Purchase - Sanity Check On Financials

I am a little surprised with the majority saying this can't be afforded. It certainly is pushing it, but OP is still talking about a mortgage that would be ~2.5x his gross income. I realize many here like that number to be closer to 2.0x income, but this isn't that crazy, is it? It's not the mortga...
by wilked
Sun Mar 25, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 46
Views: 3673

Re: New car?

So here's the gist... My wife currently drives a 2004 Honda CRV. It's in good condition without major engine issues. It does however have AC issues and other "problems" for a vehicle that is 14 years old. I am handy and fix things myself but I just haven't gotten around to fixing the AC issue. It's...
by wilked
Sun Mar 25, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1038

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

My kids are 10 and 7. We started with Wachusett just to try out and started with daily lift ticket and rentals etc. However, it soon got very expensive. Both of them are still learning - hence the need for a regular seasonal lessons etc. and maybe stick to one mountain until they get better. Couple...
by wilked
Sun Mar 25, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1038

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

I live 8 miles north of Boston and have two young skiers (6 and 3) I prefer NH over Wachusetts. If I lived closer I might fee different but I’d rather drive 2 hrs to NH than 1 hr to W. Our go to mountains are Crotched, Sunapee, and Waterville. I have heard good things about Ragged too I think you ca...
by wilked
Sat Mar 24, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Talk some sense/cents into me- new car purchase
Replies: 44
Views: 3340

Re: Talk some sense/cents into me- new car purchase

jehovasfitness wrote:
Fri Mar 23, 2018 6:18 pm
I should add that dogs are my life and rescuing them is like having kids but I want no kids.... I try and factor in their cost as a cost of what brings me joy
In that case I would say get 3 more and a new car as well
by wilked
Fri Mar 23, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: How much do people budget for annual car maintenance?
Replies: 39
Views: 2524

Re: How much do people budget for annual car maintenance?

Ok, so just for fun I went back and crunched my numbers to get my actual total spending on car maintenance for each year going back to 2010, these numbers are annual totals: 2010: $144 2011: $716 2012: $368 2013: $4,163 2014: $1,168 2015: $4,148 2016: $73 2017: $244 8 year average: $1,378. I had se...
by wilked
Fri Mar 23, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why can you "spend more" if you buy SPIA?
Replies: 12
Views: 1260

Re: Why can you "spend more" if you buy SPIA?

The above example I gave works for 10,20,50,100%

Basically you sacrifice “inheritance” for both guaranteed income and security. Of course it’s not a free lunch, you pay a premium for it, but SPIAs are competitive and if you shop them are generally fairly priced.
by wilked
Fri Mar 23, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why can you "spend more" if you buy SPIA?
Replies: 12
Views: 1260

Re: Why can you "spend more" if you buy SPIA?

Let’s say you’re 60. Let’s say your life expectancy is 80 at this stage, so on average you’ll live 20 more years. You have $1.5 million in cash, and you buy an annuity that pays $100k/yr for the full $1.5MM (made up numbers but good enough for the point). You now have nothing in the bank but each mo...
by wilked
Fri Mar 23, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: How much do people budget for annual car maintenance?
Replies: 39
Views: 2524

Re: How much do people budget for annual car maintenance?

After rethinking and reading this it looks like this is a better estimate:

$50/month for regular maintenance (preventive)
$40/month for unplanned maintenance (corrective)

$90/month as a good average