Search found 613 matches

by corysold
Tue Aug 01, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 8429

Re: How far off are Zillow's estimates?

Zillow fluctuates quite a bit. Our home went from an estimate near the purchase price, to +$120,000 in 9 months. Then, one day, it went to $10,000 under purchase price, where it has been for a few months. The worrying thing to me, is that the increase is reflected nowhere in the past data. So it is ...
by corysold
Fri Jul 21, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1439

Re: Are my parents a good fit for Vanguard Advisory Services?

If they have nice pensions and SS, why do you want to get involved and risk their possible unhappiness with your assistance if they go to Vanguard and the market (stock or bond market or both) takes a dive? This is a major issue since you say this about your mom: "Just really isn't interested in kn...
by corysold
Thu Jul 20, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1439

Are my parents a good fit for Vanguard Advisory Services?

My parents are about 3 years out from retiring. I try not to be too involved in their finances, they are pretty well set with pensions and social security. They (my mom) have an IRA with Morgan Stanley with low-mid six figures in it. In discussing it with her, she has no idea how much she pays, what...
by corysold
Tue Jul 18, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 2743

Re: Mortgage Rates in 3 years?

I think what you are doing is very prudent. Especially the part about setting expectations. $80,000 is a very good salary, but I wouldn't say it is "buy a big house" salary, even in a lower cost of living area, which Boston isn't. Your budget suggests a monthly payment of $1,650. It seems property t...
by corysold
Tue Jul 11, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 1814

Re: Advice on buying a musical instrument

I'll concur that how you plan to use the violin matters. If it only for your personal use and you like the rental, no reason not to buy it and use it. Unless you have a need for the additional sound quality, there isn't a huge need to upgrade at this point. Down the road, sure, but it doesn't have t...
by corysold
Thu Jun 29, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Helping MIL with FIL finances after death
Replies: 3
Views: 824

Helping MIL with FIL finances after death

My FIL passed away a few months ago and my MIL is working to get the financial situation he left behind in order. I'm trying to help her get a general understanding of the issues so she has a basic understanding before talking to the attorneys and accountants. There a few issues to figure out. As a ...
by corysold
Fri Apr 21, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: No Stress Chess board game for 7 year old
Replies: 13
Views: 1421

Re: No Stress Chess board game for 7 year old

See if there is a local chess group. Many meet weekly at a library or coffee shop or similar. It's a great way to learn different styles of play, play different styles, meet other players of different skill, etc.
by corysold
Fri Apr 21, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tangible benefit to "Getting your name out there" for employment?
Replies: 5
Views: 663

Re: Tangible benefit to "Getting your name out there" for employment?

Go for it. Internships usually lead to some sort of future employment IF you want to work in that place again. It will definitely get your name out there. Since you seem young and willing to work hard why are you wanting a hard job that might not pay much and seems like a low level career? Please a...
by corysold
Fri Apr 21, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tangible benefit to "Getting your name out there" for employment?
Replies: 5
Views: 663

Tangible benefit to "Getting your name out there" for employment?

I'm hoping to land a job at the city where I live in one of the labor divisions. I recently applied for one that was open and didn't even get an interview. I don't have much applicable work experience, though Street Laborer isn't exactly rocket science. They've posted a Temporary Summer Laborer posi...
by corysold
Fri Apr 21, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 3222

Re: Building your own fence

It is a DIY project as mentioned above. If you are doing the 4 foot vinyl sections, be sure to have a good layout of the fence ahead of time if your yard has any slope to it. Decide if you want it to follow the slope or be even across. This depends on how much slop you have. But with the sections, y...
by corysold
Wed Apr 19, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 2400

Re: Adult child lack of availability at tax time.

I think letting the IRS contact him is a great idea.

He is an adult. Unless he is a mental state where he actually needs your help, you should stop providing it. Doing your adult sons taxes is doing him no favors.
by corysold
Wed Apr 19, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4715

Re: Weight loss and investing

Good thread. One way to do better at both is to think of the money you had to spend to become overweight. You likely paid for the food to eat to gain every extra pound you now want to lose. So losing weight is good for your finances. Besides, losing/maintaining weight is easy, just don't eat anythin...
by corysold
Fri Apr 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2558

Re: RV Rental

I did all of the driving and it wasn't bad at all. Not much different than a moving truck. I think ours was around 25'. [...] For 10 guys on a college road trip it was great. You know your family, so you'll have to decide what you like. You crammed 10 guys into a 25' RV from CruiseAmerica? Yes. Mig...
by corysold
Thu Apr 13, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2558

Re: RV Rental

I did one from CruiseAmerica 15 years ago, which really makes me feel old. I doubt the pricing is relevant anymore, but I recall it being about $1,500-1,800 for the week. The big benefit was not having to worry about hotel rooms. We went to New Orleans around New Year's, so we were able to just park...
by corysold
Wed Apr 12, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2771

Re: Week in San Diego - What to do?

There is (or was last time I was there) a Ghiradelli's in the Gas Lamp district. Nice place to walk around for an evening and I'm sure you could find a restaurant to eat at.
by corysold
Mon Apr 10, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 2220

Re: Help me decide what to do with my cars

What type of minivan are you looking at? I would think you could essentially trade the Subaru for a used minivan and come out pretty close to even. Keeping the Civic seems like a no brainer. However, the only minivan I'm aware of with a close enough to full size middle seat in the middle row is the ...
by corysold
Thu Apr 06, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 2143

Re: How to buy a car with a Lightstream loan?

I apply for the loan online and am approved. How much do I go for? The full amount of my current OTD price, even though I have tried to negotiate yet and am not sure how much I want to put down? A bit more than that and just pay back anything I don't use? What if I end up not liking the car, but th...
by corysold
Thu Apr 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 2143

Re: How to buy a car with a Lightstream loan?

It has been a long time since I had a car loan but I am 99.999% sure that the lender will not give you a check to put into your account since you could just run off with the money. That is exactly how it works with Lightstream Auto loan- they put the money in your account- you can then go buy whate...
by corysold
Thu Apr 06, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 2143

How to buy a car with a Lightstream loan?

I've found a used car I'm interested in, but a bit unsure on how a loan like Lightstream (or other similar lenders, I haven't looked at them all yet) would work. I haven't actually driven the vehicle yet but will be going in the next few days. But I'm short on time so I'd like to be in and out in on...
by corysold
Tue Apr 04, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2707

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

How much do you like your stuff? My brother-in-law and sister-in-law are moving and they are just selling all of their large furniture and buying new (or old, new to them) items upon arrival. They figure the cost is pretty even by the time they pay for the truck and they can make sure everything the...
by corysold
Tue Apr 04, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 19778

Re: Social Security for Millennials

I agree the number is too small to really make any fundamental changes to your planning. The current average benefit is about $1500/mo. Take 79% of that and you get $1185/mo. Certainly a difference, but assuming SS isn't accounting for all of your retirement, I don't think that $315/mo is really goi...
by corysold
Sun Apr 02, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2097

Re: Second car for larger family - ideas/suggestions?

I think the station wagon is an underrated vehicle for toting, and could provide your brood lots of good memories down the road. Either that, or no one will want to ride with you, and your problem is solved. I think it's possible to fit around 13 people in this one, but the configuration of the bac...
by corysold
Sun Apr 02, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 28359

Re: Low-earners- What is your profession?

I deliver the paper for $23,000/year. My wife is an elementary teacher.
by corysold
Sun Apr 02, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2097

Re: Second car for larger family - ideas/suggestions?

Thanks for all of the ideas. I will look into many of these suggestions. My in-laws have a Mazda 5 in our garage right now, I'll have to look more closely at it. I'll also take a look at some of the smaller SUV with a 3rd row or a second minivan.
by corysold
Sun Apr 02, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2097

Re: Second car for larger family - ideas/suggestions?

Thanks for the thoughts and ideas. To clear up a few things. To whoever asked, the Prius was a 2005 with 220,000 miles. Battery replacement was quoted at $3,100 ($2700 part, $400 labor). However, the computer cluster that controls the dashboard is also out, so they told me they couldn't even fix any...
by corysold
Sun Apr 02, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2097

Re: Second car for larger family - ideas/suggestions?

I'm not seeing how you are going to put four kids in a mid-size sedan without putting one of them in the front seat. How old are the kids (including their friends who may be riding with them)? Child Passenger Safety - CDC.gov Sounds like you'll have to use the van. The oldest is 10 now. So I'm thin...
by corysold
Sun Apr 02, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2097

Second car for larger family - ideas/suggestions?

My Prius had the hybrid battery go out yesterday, so we are looking for a second car. We have 6 kids and an Odyssey for our main family car. I was looking for suggestions for a second car. Right now, we are thinking of a base model Accord/Camry, maybe new, maybe a few years old. I'm thinking we'd ne...
by corysold
Thu Mar 30, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 4109

Re: Budgeting vs Tracking Expenses?

If you need to spend more than planned one month, then cut back the next month to compensate. If there's absolutely no place you can cut back (highly doubtful), then increase your income. Yes, I agree about cutting back on other expenses, but isn't this a default behavior? What purpose does it serv...
by corysold
Thu Mar 30, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3868

Re: House buying- How to think about property taxes?

Yes, move to the midwest where property taxes for a 350k house are about $3k and just ignore the cost of property taxes when house hunting. I don't see any other logical approach unless you want to get into the details. I'd just avoid the neighborhoods that have crime/school issues. You mean the Mi...
by corysold
Sun Mar 26, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 8765

Re: Massive Student Loan Debt - Girlfriend

I think a bigger red flag would be having the big debt and adding more credit card debt, car payments, etc. on top of it. It doesn't sound like she is doing that and trying to responsible with what she has. Not everyone can get through school without loans, so that part isn't unusual. The amount mig...
by corysold
Fri Mar 24, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 5205

Re: 100% stocks w/pension?

Is a PBGC covered pension really that much more secure than a public pension? I understand the PBGC is insurance to cover pensions that go bust, but they don't, to my knowledge, have enough money to cover numerous pensions going bust. It appears based on their website, that they are currently underf...
by corysold
Thu Mar 23, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 3304

Re: Why did my fund GO UP so much?

Would that qualify as a "Really Good Day", or is that only over a 102,000,000% increase?
by corysold
Tue Mar 21, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4826

Re: Debating a weekend in Chicago (south side)

ugh...whelp it turns out I read the schedule wrong and the ballgame is AWAY for chicago that weekend. :oops: The Cubs are at home but of course it's sold out. :oops: :oops: Now we're gonna need some activities to keep 3 dudes busy besides eating and drinking!!! :shock: You'll be able to get Cubs ti...
by corysold
Tue Mar 21, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4826

Re: Debating a weekend in Chicago (south side)

We have visited Chicago many times but the meteoric climb in the shootings/murder rate has us staying away now. Simply not worth the risk compared to other locations. Good luck. To be fair, the majority of these shootings are relegated to the far West and Far South parts of the City. Sure, there ar...
by corysold
Tue Mar 21, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4826

Re: Debating a weekend in Chicago (south side)

The area directly around Guaranteed Rate has been improving. Some bars, some restaurants, etc. Not Wrigleyville, but much better than it was. The area surrounding the park is generally plenty safe and I wouldn't be concerned going to a night game there. But as LIvesoft said, the CTA/Subway/El is the...
by corysold
Mon Mar 20, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 7970

Re: Recommended emergency fund for middle class households: $13,800

What defines "middle class"?

Assuming $100,000 income, a 15-20% savings rate and $60,000 annual expenses, it'd take 10 years to save 3 years of EF and that would exclude any retirement savings.
by corysold
Mon Mar 20, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 19
Views: 2046

Re: How much life insurance?

I always like getting a little bit more than you'd think you'd need. $1,000,000 sounds good for you, but I'd think about $750,000 or $1,000,000 for her as well. I wouldn't think the premium is that much higher, but you have to factor in more than just her salary. How much extra daycare might there b...
by corysold
Sun Mar 19, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 962

Re: Buying house - what should I expect from real estate agent

That's a new one. I've never heard of an agreement with a buyer. My guess would be they are either desperate for income or to push for a shared commission if you bought through someone else in breach, or they have so much income they really want to be selective. Anyway move on and keep looking on y...
by corysold
Sun Mar 19, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 962

Re: Buying house - what should I expect from real estate agent

As a former Realtor, who has recently bought and sold, and helped three family members buy and sell homes, I'm appalled at the level of service, or complete lack there of, we received. Your best bet would be to ask around friends/co-workers if anyone has a referral for a good agent they've personall...
by corysold
Sat Mar 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2888

Re: Cheapest dress shirt to wear under a sweater

I would assume Kohl's would fit your criteria.
by corysold
Thu Mar 16, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 939

Re: selling home/lease back/long escrow

If the market is frothy, I'd say either sell now and move out in a reasonable time both can agree upon, or wait until you have your rental and are ready to actually sell to list. If you sell now, but try to close in 4-6 months, what happens if prices move dramatically in that time frame? Why sell f...
by corysold
Thu Mar 16, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 939

Re: selling home/lease back/long escrow

If the market is frothy, I'd say either sell now and move out in a reasonable time both can agree upon, or wait until you have your rental and are ready to actually sell to list. If you sell now, but try to close in 4-6 months, what happens if prices move dramatically in that time frame? Why sell fo...
by corysold
Thu Mar 16, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 4249

Re: How do you cope with regret over selling too soon?

7,000 shares at $145/share is just over $1,000,000. A lot of money, but where is the 14,000,000 coming from?
by corysold
Wed Mar 15, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 5014

Re: BND Jumps 0.5% on Fed Announcement

I'm new to this game, but isn't this defying all logic or am I missing something Forget logic. I like to think it eventually wins the day but it often loses in the short term. The logic, which often is misrepresented in the press, is that for a bond that's already been issued, which is to say its c...
by corysold
Tue Mar 14, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4383

Re: Time Saving Tactics: Kids Edition

We do way more laundry than probably anyone here, usually 1.5-2 loads a day. But with 6 kids, 3 under 5 and 3 in school. Kids get messy. What can you do. But, we put all of their clothes in a dresser in our bedroom. All of the clothes get folded there and don't have to get delivered anywhere to be p...
by corysold
Tue Mar 14, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4383

Re: Time Saving Tactics: Kids Edition

The key to time saving with kids is to make them as independent as possible. With 6 kids, from the time they were all about two, we tried to make them able to do most everything for themselves if possible. Getting them potty trained saves a lot of time from having to change diapers during the day. W...
by corysold
Tue Mar 14, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Laminate flooring that looks like hardwood
Replies: 25
Views: 2319

Re: Laminate flooring that looks like hardwood

We had a wide plank, darker wood laminate in our old house that we had put in. We loved the look of it, the dog didn't do any damage. It did dent some, if you dropped a can or a dish or something, but a dark marker touch up seemed to mask it pretty well. I will say though, we ended up mopping nearly...
by corysold
Mon Mar 13, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 5275

Re: When should you replace a vehicle?

Depending on what you replace the Sienna with, you can argue that while it will be doing the same job, transporting people, it will likely be doing it in a safer, more comfortable manner. Any car can move people from A-B. But people can spend a lot of time in the car and if they can move from A-B mo...
by corysold
Fri Mar 10, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for this job?
Replies: 3
Views: 687

Re: Should I apply for this job?

If a make-or-break consideration is the schedule, why not ask about that before applying? That really should be in the job posting, anyway, unless it is normal working hours Monday to Friday. Thanks, that's what I did and probably should have done first. I'm just new at this and don't want to hurt ...
by corysold
Fri Mar 10, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for this job?
Replies: 3
Views: 687

Should I apply for this job?

I'm applying for jobs. I currently have a job that I works well for my family, so I have somewhat specific criteria for any potential new job. It isn't pressing I find one, so I'm willing to wait for the right opportunity. Today a job was posted in the city where I'd ideally like to land. It is in t...