Search found 35 matches

by quietseas
Mon Oct 07, 2019 10:49 pm
Forum: Personal Investments
Topic: Yet Another Can We Retire Thread
Replies: 11
Views: 1844

Re: Yet Another Can We Retire Thread

Sounds like you have a good starting plan with income higher than expenses. Any way to decrease expenses? We could move to a MCOL area if we wanted to. Property tax, insurance, and HOA on $1M house are about $16K/yr. Don't think we'd enjoy weather in some LCOL areas but some MCOL urban areas could ...
by quietseas
Mon Oct 07, 2019 10:41 pm
Forum: Personal Investments
Topic: Yet Another Can We Retire Thread
Replies: 11
Views: 1844

Re: Yet Another Can We Retire Thread

Thanks All, appreciate the fresh set of eyes. [/quote] $120K/yr for 2, $100K for 1, could go lower It would be good to look at your spending needs at different ages, even in a high cost of living area you may be overestimating your expenses since you have a paid off house. I have seen relatives get ...
by quietseas
Mon Oct 07, 2019 9:28 pm
Forum: Personal Investments
Topic: Yet Another Can We Retire Thread
Replies: 11
Views: 1844

Yet Another Can We Retire Thread

Spouse 1: 53, potentially eligible for FERS Voluntary Early Retirement (VERA) (32 years), $55K/year pension w/ partial COLA plus FERS Supplement while it lasts & eventually SS. Would not want to consult or work as a contractor in same industry. Spouse 2: 68, retired, military pension $60K/year w/ CO...
by quietseas
Sun Feb 18, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 13567

Re: Do you wear a wedding band? [at a job interview]

In that case I think its fine to wear a wedding band -- but don't twiddle or fidget with it! Better to take it off than fidget or twiddle if you do that.
by quietseas
Sun Feb 18, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 13567

Re: Do you wear a wedding band?

I wore it for about a year. I was constantly twisting and pulling on it. I decided to stop wearing it. Spouse does not object.
by quietseas
Sun Feb 18, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 12
Views: 1303

Re: Is Enterprise Architecture worth building career upon?

In a business downturn, positions like yours are more vulnerable because a) they are higher cost, and b) the benefits are longer term, meaning the business can do without for some period of time. Also, some businesses do not fully understand or value this function. This would be my worry. When they...
by quietseas
Mon Nov 02, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: where is the best place to go to buy refrigerator -off line or online
Replies: 22
Views: 2051

Re: where is the best place to go to buy refrigerator -off line or online

I know many people buy them online but I still prefer to buy local in case it is damaged when it arrives at the house.

Home Depot, Lowes, and Pacific Sales/Best Buy have large selections and you can often find models on sale.
by quietseas
Sun Nov 01, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Vacation with Parents, Is it Weird to Share a Room?
Replies: 63
Views: 14219

Re: Vacation with Parents, Is it Weird to Share a Room?

How much is the cost of the extra room? Big difference on whether its $100/night or $1,000/night.
by quietseas
Sat Oct 31, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 6643

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

A couple more (since there are lots of opinions on this): - Backsplashes: Our kitchen has about 30 square feet of backsplash. Backsplash tile can range from a little more than $1/square foot to $100/square foot and up. Since backsplash usually doesn't take up a lot of square footage we are finding i...
by quietseas
Sat Oct 31, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Misc. budget for non-income producing spouse
Replies: 43
Views: 4572

Re: Misc. budget for non-income producing spouse

I'd create a budget line for each of you called "discretionary" and make it the same amount. Discretionary implies making a choice about how the money is spent which is a lot better than "allowance" -- which is what we give our children. Assuming finances permit I think each spouse should be able to...
by quietseas
Sat Oct 31, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 6643

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

The devil is in the details. Go slow and be methodical: - Put in deep drawers with heavy duty undermount hardware. Put pots, pans, small appliances in drawers instead of on shelfs. Skip pullout shelves behind doors and just do drawers. Exception is a pantry where pullout shelves are great. If you ha...
by quietseas
Sat Oct 31, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 6643

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

If you are remodeling your kitchen go to the GardenWeb forums for kitchens and appliances. It's the equivalent of Bogleheads for hard core professional and hobbyist kitchen designers. There's a lot of archived activity so its helpful to spend a few hours going back through 5-7 years of posts. The bo...
by quietseas
Sat Oct 31, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 6643

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

A really good (powerful - 1500CFM or so) oven vent over an oven with a hi-powered burner(30k btu or better) is a priority for my next kitchen. Vents have become one of the most complicated decisions in kitchen remodels due to "replacement air". Houses today are so airtight for energy efficiency tha...
by quietseas
Tue Oct 27, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

OP here. The original lender started moving on Monday after a week of indecision. Lender A and B got together and agreed that Lender A would send the payoff amount to Lender B and the loan would be paid off effective as of the date we paid Lender A. We also have started to get paid in full letters f...
by quietseas
Mon Oct 26, 2015 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

Does this increase the strength of the argument to not pay off your mortgage in full, but pay it down if you wish until there are 4-6 months of payments remaining so the bank can complete all the normal steps in the discharge of the mortgage? OP here, I don't think there's a lot I would generalize ...
by quietseas
Sun Oct 25, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

I've really had very good luck writing to the CEO. I'm not sure how to apply this here, because I always tell people to say clearly what they want in the first sentence of the letter, and I don't quite know what you should ask for. Perhaps "It's a mix-up and I haven't had any luck with customer ser...
by quietseas
Sun Oct 25, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

You mentioned looking for legal help. Real estate attorneys specialize in purchase and ownership issues in real estate. You'll need to be prepared for $300-$600/hour after the initial consultation (which is usually discounted, but a short time frame). You mentioned CA and VHCOL, which might refer t...
by quietseas
Sun Oct 25, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

Federal law states that you cannot be charged a late fee within 60 days of the transfer if your payments go the old loan servicer (in effect, they must forward the payments): http://www.consumer.ftc.gov/articles/0190-making-payments-your-mortgage-servicer http://www.consumerfinance.gov/askcfpb/215/...
by quietseas
Sun Oct 25, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 2717

Re: Circumstances for replacing a toilet

Thank You, Thank You, Thank You !! This is much more than I was expecting to get. This gives me the guidance and confidence I need to "stand up" :-) to my plumber. Perhaps even get a new plumber if I begin to mis trust him. 1210 Always best to have the full story. What did the plumber tell you? If ...
by quietseas
Sun Oct 25, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Uncertainty as Federal Employee
Replies: 54
Views: 6189

Re: Uncertainty as Federal Employee

How old are you? How many years until you are eligible to retire?
by quietseas
Sun Oct 25, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Recomendation for a good sheet set
Replies: 22
Views: 2688

Re: Recomendation for a good sheet set

This is a really tough question to answer. What does "good" mean to you? Soft, stiff, fits an oversize mattress? I bought some pillow cases from Garnet Hill about a year ago that seem fine to me one year later. Also keep in mind that cotton prices went way up a few years ago so you'd only want feedb...
by quietseas
Sun Oct 25, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 2717

Re: Circumstances for replacing a toilet

Keep in mind that any older toilet is most likely to be of much higher quality construction (e.g. porcelain) than you can buy today. A 2015 Kohler ain't the same as a 2000 Kohler on the inside or outside. I'd try to keep as much of the existing parts as possible but rebuild the internal workings if ...
by quietseas
Sun Oct 25, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: White House tours. How to book?
Replies: 18
Views: 3059

Re: How do you get a White House tour?

The tours are self-guided and are open to the general public on a first come first served basis. A self-guided White House tour is not a political spoil.

Here's the URL on how to reserve:
https://www.whitehouse.gov/participate/tours-and-events
by quietseas
Sun Oct 25, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Son had [bicycle] accident [- how to handle claim against him]
Replies: 68
Views: 7355

Re: Son had accident while on a shared bicycle

If your son does decide to reimburse the insurance company and you decide to help him cover this I would first give your son the money and have him write the check to the insurer (e.g. do it in multiple steps). Don't write the check to the insurance company yourself as that now brings you into somet...
by quietseas
Sun Oct 25, 2015 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

midareff wrote: I'd also recommend you obtain a copy of the wire from the bank from which you originated the payoff.
We got the wire and the ICN reference number from the bank yesterday. Thanks for checking on that.
by quietseas
Sat Oct 24, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 5901

Re: Mountain cabin's exterior colors not approved by local home committee

Architectural guidelines are often an annex to the CC&Rs so you might want to search for that term.
by quietseas
Sat Oct 24, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

I think it would be important to have a written statement on letterhead from Lender A that you paid off your loan on x/y/z date in full. Lender B should be very interested in that document and it should also protect you well in the future. I'd be certain to file the complaint with the agency as wel...
by quietseas
Sat Oct 24, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

Something similar happened to me, but on a re-finance rather than a pay-off. I had initiated a re-fi request with company A, not my current mortgage holder, and was nearing the end of escrow when I was informed that company B had purchased my loan. My new mortgage holder, company A, needed a pay of...
by quietseas
Sat Oct 24, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

The closing costs related to a loan in escrow are a few thousand dollars, appraisal, tie-in fee, lender's title insurance, etc. Paying that and then dumping the loan seems like an awful waste of money, but water under the bridge. I do agree. This was a very specific situation related and one that w...
by quietseas
Sat Oct 24, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Re: Mortgage Payoff Bungled by Lender

kd2008 wrote:Contact CFPB at http://www.consumerfinance.gov/complaint/ with your complaint and proof. All will be sorted out much quicker than any other avenue.
Thank you for that resource, I'll check that out. It does look like this is a better path than RESPA (potential for moving faster I think).
by quietseas
Sat Oct 24, 2015 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 4043

Mortgage Payoff Bungled by Lender

Hi: We need some advice. We paid off our mortgage years ago. Last summer we bought a new house and immediately listed the old house for sale. We qualified for and received a 30 year $600K mortgage for the new house from Lender A. You can never predict real estate sales but as it turned out we closed...
by quietseas
Fri Dec 27, 2013 11:58 pm
Forum: Personal Investments
Topic: Investment Advice for 80 Year Old
Replies: 9
Views: 2272

Re: Investment Advice for 80 Year Old

Thanks for the suggestions so far. I'm wondering if 1/3 SPIA; 1/3 Target Retirement Income or Wellesley (higher yield than TR Income); and 1/3 Cash (CD/savings to include 1 year of living expenses) might work. I'll need to build a spreadsheet tomorrow with some options. I did look through some of th...
by quietseas
Fri Dec 27, 2013 8:32 pm
Forum: Personal Investments
Topic: Investment Advice for 80 Year Old
Replies: 9
Views: 2272

Re: Investment Advice for 80 Year Old

Thanks Rick, so sounds like one vote to put a good part of the money in a 3% 5 year CD at Pen Fed.
by quietseas
Fri Dec 27, 2013 5:50 pm
Forum: Personal Investments
Topic: Investment Advice for 80 Year Old
Replies: 9
Views: 2272

Investment Advice for 80 Year Old

We moved my 80 year old mother to a supervised living facility in July. It's advertised as "independent living" but I refer to it as supervised living so it isn't confused with the comfortable, country club lifestyle depicted in retirement community advertising. My mom and most of her peers are sing...