Search found 35 matches

by Veni Vidi Decessi
Thu Oct 24, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1597

Re: Spray on mold remover, for vinyl house siding?

Jomax. You mix this with bleach (per the instructions), dilute with water, and spray. Wash down with a garden hose 1 minute later and you will be all smiles. I used this on my vinyl siding house - 2 story - that I could not reach with a ladder.

I found mine at a local Ace Hardware store.
by Veni Vidi Decessi
Tue Jul 02, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: 75 vs 78% LTV
Replies: 8
Views: 1096

Re: 75 vs 78% LTV

Sorry, my loan is a Fannie Mae loan, I believe. Since this loan is under the Fannie guidelines, the loan servicer should have to comply with the standards in the link I provided in the OP, no?
by Veni Vidi Decessi
Mon Jul 01, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: 75 vs 78% LTV
Replies: 8
Views: 1096

75 vs 78% LTV

We bought a house 2 years ago with 10% down, incurring PMI. We are now scheduled to hit 80% LTV this December. We had an interesting conversation with our mortgage servicing agency, and they mentioned that we would not be able to get rid of PMI until we reached 75% LTV. Based on some research I've d...
by Veni Vidi Decessi
Thu Jun 13, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 308584

Re: Share your net worth progression

Age: 27 Status: Married, 1 kid (another due this year) Net Worth Progression: 2014: $5,000 (Graduated w/no debt, married, started career, and had already found the Boglehead site by this point) 2017: $90,000 2019: $166,000 (Received a $20,000 inheritance) Income during this time has ranged from $70k...
by Veni Vidi Decessi
Wed Feb 13, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home vs saving for retirement
Replies: 30
Views: 2681

Re: Buying a home vs saving for retirement

How do you suggest do away with their stress? I don't make as much as you ($75k), have less in retirement ($72k) and have $141k remaining on a $209k house. My wife stays at home with our one-year-old. Our PITI is $825 and it stresses me out like crazy. It makes me want to recast as soon as possible...
by Veni Vidi Decessi
Wed Feb 13, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home vs saving for retirement
Replies: 30
Views: 2681

Re: Buying a home vs saving for retirement

Marty18, You live in a HCOL area and are 26, single, renting, with a not-insignificant possibility of getting married in the next 5 years. You also make $85k/yr with an unknown upside (what is your career path, money-wise?). I am in a similar boat as you, but with a few differences. I live in a LCOL...
by Veni Vidi Decessi
Tue Feb 12, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1070

Re: Financial Checkup

-buzz- wrote:
Tue Feb 12, 2019 3:23 pm

You asked for recommendations... that is what I wish we had done differently.
I did, and I appreciate your's and other's responses so far. I hope I don't come across as not listening! Part of wisdom is the ability to learn from others, and that's what I'm trying to do!
by Veni Vidi Decessi
Tue Feb 12, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1070

Re: Financial Checkup

: Start 529 accounts for your children at birth. Live on a budget. Discuss it together every month. 1st Comment: Thanks for sharing your experience. However, I never understood the reasoning for investing with a 529 over investing in a Roth IRA if I have the space available (which I do). I know I c...
by Veni Vidi Decessi
Mon Feb 11, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1070

Re: Financial Checkup

If you have enough extra to pay down a 30 year mortgage fast, you can save a lot by refinancing to a 15 year mortgage and getting a lower interest rate. This thread discusses the issue. Paying extra till you get rid of the PMI makes sense. But beyond that, you should either invest the money in stoc...
by Veni Vidi Decessi
Mon Feb 11, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1070

Financial Checkup

It's been a few years since I last sought advice on this forums, so I'd like to take the time to ask y'all for a quick financial shakedown. Background: 26 years old, married with one kid (2 yo) and one on the way (thus the high HSA contributions!). We got married and started working when I was 22 yo...
by Veni Vidi Decessi
Mon Feb 11, 2019 9:26 am
Forum: Personal Investments
Topic: Does this rental have good numbers?
Replies: 15
Views: 1813

Re: Does this rental have good numbers?

My wife's family was in a near-exact situation as you, with the exception of the trusts (had a house in the Arlington area that we rented out after my wife's grandmother, 91 and in good health, moved to assisted living). The numbers were close to yours as well - the house (yet to be sold) is priced ...
by Veni Vidi Decessi
Thu Jun 21, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 9122

Re: 4K Computer Monitors: 27 vs 32 inches?

Ideal maximum monitor size for 24" viewing distance 20/30 20/20 20/15 20/10 1080p (1920x1080) 23" 15" 11.5" 7.5" 2K (2560x1440) 30.5" 20" 15.5" 10" 4K (3840x2160) 46" 30.5" 23" 15.5" 5K (5120x2880) 61.5" 41" 31" 20.5"
by Veni Vidi Decessi
Thu May 03, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 3107

Re: Budget for kid's sport?

Addressing the mental side: Books. Find out what he likes to read (mystery, sci-fi, historical fiction, etc) and either read it to him or have him start reading. I was eight when I read the Lord of the Rings, Harry Potter, Little Women, Red Badge of Courage, etc series/books. My parents lavished me ...
by Veni Vidi Decessi
Tue Jan 09, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 10278

Re: Hot Water Delay at faucet/shower far from water heater

Couple of tips: Don't turn on the cold water when trying to get hot. Faucets are flow-limited, so turning full-on cold/hot taps will take approximately twice as long to heat up as the hot-only tap on. Same with the shower - turn all the way to hot for fastest heat up. On that note, all plumbing fixt...
by Veni Vidi Decessi
Fri Jun 09, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 150
Views: 34075

Re: So someone drained $13k from my checking account...

One way to minimize theft is to keep the minimum necessary in your checking account for your operating expenses from paycheck to paycheck + a small buffer ($500 has worked for us). Then, to avoid any possible fees from overdraft, link a savings account (again, for us, $500) for overdraft protection....
by Veni Vidi Decessi
Thu May 18, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why 20% House Down Payment?
Replies: 14
Views: 3095

Re: Why 20% House Down Payment?

The banks will take the balance they are owed from a foreclosure. The only way you lose all of your money is if the house is sold/auctioned/etc at a value lower than your remaining balance. If you only have one payment left, the likelihood of this is near-zero and is a misrepresentation of reality. ...
by Veni Vidi Decessi
Mon May 15, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Online Mortgage For Lower Rate?
Replies: 10
Views: 2418

Re: Online Mortgage For Lower Rate?

I am closing today on a home in the southeast. I used an online lender (goodmortgage.com) that is based in NC. They have two divisions - brick and mortar and online division. I was told by the brick & mortar that the online was more competitively priced. PM me if you want the contact information fro...
by Veni Vidi Decessi
Fri Mar 24, 2017 8:21 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61721

Re: Your USER NAME...what does it mean?

I came, I saw, I left...

I am the ultimate forum lurker. I have chosen to now surface from the shadows, dripping with intrigue and mystery, in order to give you a foretaste of what isn't to come!
by Veni Vidi Decessi
Sun Apr 24, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Loan a Tool Manufactured Spending?
Replies: 0
Views: 930

Loan a Tool Manufactured Spending?

I recently used Autozone's loan a tool program, wherein you put a deposit down on the tool (which is the full purchase price) and then return the tool later on for a full refund of the deposit. The thing is, they seem to refund your money in cash. Does this mean this could be a source of manufacture...
by Veni Vidi Decessi
Wed Apr 20, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Thank you, Bogleheads
Replies: 1
Views: 719

Thank you, Bogleheads

Just want to give a big thank you to all the helpful members on this forum. I found this site a few years ago as an engineering intern, and haven't looked back since. I have since gotten married, with my wife working part-time on a variety of things (most don't pay, but she enjoys them!). We are lik...
by Veni Vidi Decessi
Tue Nov 17, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5271

Re: Buying a wedding ring

I got my wife's diamond from Debebians, and got the ring from a local jeweler. Debebians by far provided the best price for the diamond alone, easily beating Blue Nile and other online retailers. They had a 30 day return policy, and customer service were very helpful. The ring itself was from Whiteh...
by Veni Vidi Decessi
Thu Oct 15, 2015 7:23 am
Forum: Personal Investments
Topic: Move from Spartan Investor to Advantage class
Replies: 4
Views: 761

Re: Move from Spartan Investor to Advantage class

Being a new investor myself, I recently went through this same situation. If you exceed the $10k threshold for the transition from Investor to Advantage, Fidelity will automatically convert your shares in the index from one to the other. However, this "automatic" conversion is not a computer - autom...
by Veni Vidi Decessi
Tue Aug 04, 2015 11:28 am
Forum: Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 189
Views: 41280

Re: $13 Million Goal for Early Retirement (am I crazy?)

Rough Calculations: Starting at 700K, and assuming a 5% return, you'd need to contribute ~370K/yr to reach $13 million. At your current savings rate (~56k), you'd need a return of ~14%/yr to reach 13 million. That sounds very optimistic. OTOH, if you get 5% (real return, might also be optimistic) ov...
by Veni Vidi Decessi
Tue Jul 28, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: [parents read] Death of Money [- suggestions?]
Replies: 6
Views: 1210

Re: Death of Money

what AA would you recommend? Land, cash and gold :) https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&TotalBond2=40&portfolio3=Custom&portfolio2=Custom&portfolio1=Custom&annualOperation=0&TotalStockMarket2=60&initialAmount=10000&endYear=2014&mode=2&inflationAdjusted=true&annua...
by Veni Vidi Decessi
Tue Jul 28, 2015 8:20 am
Forum: Investing - Theory, News & General
Topic: [parents read] Death of Money [- suggestions?]
Replies: 6
Views: 1210

[parents read] Death of Money [- suggestions?]

Fellow Bogleheads: DW's parents (late 50's, early 60's) have read both Death of Money and Empire of Debt, apparently, and are fearful about the future (i.e. half-seriously thinking about buying a cabin in the mountains, leaving large sums of money in cash, etc). I don't know too much about the claim...
by Veni Vidi Decessi
Tue Jul 21, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: The X Factor?
Replies: 6
Views: 650

Re: The X Factor?

packet wrote:
LAlearning wrote:Also, I will not click on your link.
LOL
I too refuse to click your link!
:)
It's been a while since I've posted here. Is posting links frowned upon, or do I just seem like a shady character? :shock:
by Veni Vidi Decessi
Tue Jul 21, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: The X Factor?
Replies: 6
Views: 650

The X Factor?

On a lark, I clicked on a link (below) and ran across this interesting talk about a "new" discovery, which I highly suspect is the same old stuff repackaged for selling purposes - "new" method, promised astronomical returns, low risk (haha), exclusive club, etc. Anywhoo, I watched a bit of it, and I...
by Veni Vidi Decessi
Sun Jun 22, 2014 9:04 pm
Forum: Personal Investments
Topic: Merrill Lynch 401k Options
Replies: 5
Views: 6090

Re: Merrill Lynch 401k Options

The update helps quite a bit. Are you charged any additional fees or expenses (like: administrative; advisory; service; record keeping) in addition to those expense ratios? If so, how much? That will help you determine where its best to invest next, after contributing enough to get the full employe...
by Veni Vidi Decessi
Sat Jun 21, 2014 12:56 pm
Forum: Personal Investments
Topic: Merrill Lynch 401k Options
Replies: 5
Views: 6090

Merrill Lynch 401k Options

Hi! I am just starting my first job (just finished my first week), and want to start setting up a simple 3-fund portfolio. My 401k is sponsored by Merrill Lynch, and has the following options, listed below. Company match is 9% on a 6% contribution. This money will likely account for a little over 1/...
by Veni Vidi Decessi
Fri Jul 12, 2013 10:17 am
Forum: Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 8330

Re: Sacrifices: Saving 50% of Take Home Pay?

OP here: Perhaps I am in the minority here. I would argue to execute your plan. I think a couple years of sacrifice accomplishes two critical things: Living with heavy sacrifice builds confidence in your ability to endure hardship. I agree, for the most part. However, there is a differatiation that ...
by Veni Vidi Decessi
Thu Jul 11, 2013 10:35 pm
Forum: Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 8330

Re: Sacrifices: Saving 50% of Take Home Pay?

Please change that to "when we do start having kids." You need to adjust & change your entire mindset and thought process so that the "we" comes automatically. Bigger issue than finances, IMO. I mean the actual process of having (nearing birthing) a child - i.e. at ~9 months pregnant. If you refer ...
by Veni Vidi Decessi
Thu Jul 11, 2013 5:19 pm
Forum: Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 8330

Re: Sacrifices: Saving 50% of Take Home Pay?

I also think it's a poor investment for your wife to go through college to get her master's degree and only work for two years. As an aside, her college major was a duo in polysci and history. The masters gives her a marketable degree. She may work more than two years, as well. She also wants go ba...
by Veni Vidi Decessi
Thu Jul 11, 2013 4:00 pm
Forum: Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 8330

Sacrifices: Saving 50% of Take Home Pay?

Hello there! I have just finished writing this post, and I want to thank you in advance for taking the time to read this. So, here is a bit of background before my barrage of questions: My fiancee and I will be married next year. I will be graduated by then (22 yo then), and have an expected salary ...
by Veni Vidi Decessi
Wed Jul 10, 2013 9:03 am
Forum: Personal Investments
Topic: Roth or TIRA Longterm?
Replies: 3
Views: 514

Re: Roth or TIRA Longterm?

Ah. I was unaware that deductions from retirement accounts were counted in your MAGI. I guess this question is more a moot point now. Thanks for all the info!
by Veni Vidi Decessi
Tue Jul 09, 2013 9:53 am
Forum: Personal Investments
Topic: Roth or TIRA Longterm?
Replies: 3
Views: 514

Roth or TIRA Longterm?

Greetings! I come with my first post as a new convert to your ways! My question requires a bit of background information about myself: I will be graduating college next year, and have an expected starting salary of 65k-70k, based on national averages. Obviously all my numbers will change based on my...