Search found 545 matches

by ponyboy
Thu Sep 20, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 71
Views: 6387

Re: Hubby soon to be laid off

You have more than enough money to retire. Worst case sell the house, move to a lower cost of living area or downsize...and still profit $400k on the house after taxes.
by ponyboy
Tue Sep 18, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5640

Re: Thinking of Retiring at 52, Please Critique Plan

It amazes me how afraid people are of retiring early for the sole reason of health care. When doing calculations...why not just double the health care cost, just to be safe? Is it really impossible to retire early and have to pay $25k/year in health insurance? If you have the money whats the big dea...
by ponyboy
Sun Sep 16, 2018 4:08 am
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3710

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Imagine wearing a sweater for 1 year straight. Once a week you take it outside and brush the dirt off it. Once a year you wash it. Thats carpet folks...and most people still have carpet in their homes. You think by running a vacuum over it that it actually gets clean? Its picks up the fine particles...
by ponyboy
Thu Sep 13, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1738

Re: Wife's Roth @ a Financial Advisor

Your wife is 32...hasnt contributed for 8 years...so stopped when she was 24. How is it possible the account is worth $86,000 today? Even if her parents were contributing...that means she would have to have earned income to even contribute. When did her parents start contributing, when she was 16? T...
by ponyboy
Wed Sep 12, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1635

Re: Working until the end of January for Roth contribution

I guarantee if I was about to retire...the last thing that would be stopping me is a $4000 roth ira contribution. Its not like its a $4000 bonus...you're paying yourself.
by ponyboy
Tue Sep 11, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8242

Re: Botched countertop installation - leave it as-is or risk the repair?

Looked at the imgur.com pics for the first time, didn't see them before. I'm 100% certain the current caulking will hold up. I think OP is just annoyed that it was applied after the sink install. Caulk was supposed to be applied even after putting caulk under the sink. Either way...you were going t...
by ponyboy
Tue Sep 11, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8242

Re: Botched countertop installation - leave it as-is or risk the repair?

I agree with others...I wouldnt have someone rip everything out to put caulk in a place that cant be seen. Think of it like this...if they put the caulk down like it said in step 1...then didnt put caulk around the edges...would water get to the cabinets. The answer is yes. I really dont see what th...
by ponyboy
Mon Sep 10, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5065

Re: Advice on how to deal with barking dogs

Im so glad I now live on 10 acres...right smack dab in the middle, wooded area. We did the whole close quarter living for 12 years. It was apartment living though. Bottom line, dont bother talking to the neighbor. You need to get this documented with the city, animal control, noise ordinance, etc et...
by ponyboy
Sun Sep 09, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2353

Re: What performance to expect from central AC?

AC should be sized to provide a 25 degree drop from outside temperature (give or take). Installer should have done a Manual J evaluation of your house that takes into account insulation, windows, climate etc. See: http://www.loadcalc.net for a simplistic version. Suggest you visit this forum and ex...
by ponyboy
Tue Sep 04, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6868

Re: Daily Driver (Car) Over 100K Miles?

pffft...at 100,000, my cars are just getting broke in.
by ponyboy
Thu Aug 23, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3070

Re: I love my job but DW hates location and I'm underpaid

Which part of FL do you live? Man I love FL. I dont mind the humidity/heat. I do love Fall weather though...but a few trips to the mountains could fix that. Does your wife work too? If not...maybe she should find a job. Could take her mind off "hating" the place she lives. Remember, the grass isnt a...
by ponyboy
Wed Aug 22, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3070

Re: I love my job but DW hates location and I'm underpaid

Tellework is great until they no longer need you. Then what? If you move to a place where its difficult to find work...no bueno.

If I was moving I would find a new job in the local area.
by ponyboy
Tue Aug 21, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3294

Re: Composite Decking Material

https://www.lowes.com/pd/Olympic-319-9-fl-oz-Biodegradable-Deck-Cleaner/3043830 For everyone that has a composite deck and has mold/mildew issues. You can thank me later. This is the best stuff I ever came across for cleaning. Very simply...you dump this in one of those spraying containers (like the...
by ponyboy
Sun Aug 19, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3825

Re: Sheraton Kauai timeshare

How does one get the "targeted" offer? This place is nice...5 nights and a rental car for $650 is a steal. Id do this offer every year.
by ponyboy
Sun Aug 19, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13593

Re: Teachers Who Have Net Worth of $1 million +

Where I live...east bumble PA...teachers at a not so great school district max out at around $75k. Thats LOT of money for the area. Not to mention when a teacher retires with full benefits...they receive around $70k/year pension for life. Yeah...most shouldnt have an issue becoming millionaires. I c...
by ponyboy
Thu Aug 16, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 18422

Re: Who uses the 3 fund portfolio ?

I have a 3 fund portfolio minus the international. So really I have a 2 fund portfolio.
by ponyboy
Thu Aug 16, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3462

Re: Quote from Electrician

My electrician charges $25/hr...and he's on point! He is a family friend and he gets paid under the table. $180/hr is laughable. I can see maybe $70/hr on the higher end. But $180/hr is highway robbery. My guess is they really dont want the job, but if you're willing to throw that much money at them...
by ponyboy
Wed Aug 15, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/How are we doing?
Replies: 24
Views: 2419

Re: Portfolio Review/How are we doing?

Keep doing what you're doing. Your finances are pretty similar to ours when we were that age. You'll have no issue retiring at 55...my goal is to get out between 53-55.
by ponyboy
Wed Aug 15, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2815

Re: 33 Male, how am I doing?

I cringe every time I hear a young man wanting to save for a down payment or go ahead and buy a house before finding a spouse. :oops: Your finances are fantastic for your position in life, consider improving health, happiness, emotional, family security. Finding the right mate may be the most impor...
by ponyboy
Wed Aug 15, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2815

Re: 33 Male, how am I doing?

Forget the house...you cant afford one where you currently live. As far as "how you're doing"...not too bad. Could be a lot better tbh. Just as a comparison I lived in the DC area for 12 years. I never made more than $63k/year...im 35 and have over $500k saved/invested. I did have a girlfriend, now ...
by ponyboy
Thu Aug 09, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a friend/family who you think is making a financial mistake?
Replies: 7
Views: 828

Re: Do you have a friend/family who you think is making a financial mistake?

My sister...bought waaaay too much house. Just had a $35k in ground pool put in. They are up to their eyeballs in debt. Good luck with that. And here I am...bought a house waaaay under what the rule of thumb is 2.5x income or whatever. Doing a lot of renovations myself. I dont have a pool. Im 4 year...
by ponyboy
Thu Aug 09, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9439

Re: Biggest Threats to Financial Well-Being

In no particular order...

- lifestyle creep (keeping up with kardashians)
- marrying someone who isnt financially compatible with you
- divorce
- too much house (this is a big one!)

- health...although a lot of times this is something that is out of your hands...so not sure if this should be on list
by ponyboy
Thu Aug 09, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7265

Re: When is leaving your job that pays well a good idea?

I agree with others...find a hobby. A lot..and I mean a LOT of people have soul crushing jobs and they also have low pay. Im also curious what your net worth is without your house? You're too young to retire even if you move to a lcol area. Id say suck it up and work another 5 years...or move to a l...
by ponyboy
Thu Aug 09, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4106

Re: radon mitigation exposure concern, are we at risk?

One of the biggest scams any homeowner can ever experience. Like others said...radon is everywhere. When you invite someone into your home to test for radon levels...how many times do you think they tell you its ok? Ive never heard of any. They will always tell you to install a vent system. Its noth...
by ponyboy
Thu Jul 19, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1729

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by ponyboy
Thu Jul 19, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1729

Re: sams club - new member

I hate to be one of those people but sams is a dump compared to costco. The quality of products is inferior. I find that Sams has very few "healthy" items. Costco is a much neater store, caters to higher class people. Sams doesnt sell Kale, coconut oil, chai seeds. But what they do have is 2 huge is...
by ponyboy
Wed Jul 18, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2788

Re: How much did your braces/invisalign braces cost?

Most people do not realize that one is truly never done with braces. You will need to wear a retainer for life unless you want your teeth to shift. Doesnt mean you'll have summer teeth again...but they will shift. I force my retainer in once a month...not sure if it does anything but it makes me fee...
by ponyboy
Mon Jul 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10036

Re: Why own a bed?

Box springs are useless..as long as you have some sort of support under the mattress. We just purchased a low profile frame. Wooden slats support the mattress. I never understood why people want a bed frame/mattress/boxspring combo that requires a ladder to get into...or a small trampoline for those...
by ponyboy
Thu Jul 12, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Eesh! 100% Company Stock - Help me with my 401k!
Replies: 20
Views: 1532

Re: Eesh! 100% Company Stock - Help me with my 401k!

Im curious how 2 people rack up over $350k in student loan debt?
by ponyboy
Tue Jul 10, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3561

Re: Car totaled by uninsured driver

I never even heard of a $2k deductible. Why have it so high?

I remember doing a comparison between $500 vs $250 deduct...it was peanuts, so I went with the $250 deduct.
by ponyboy
Tue Jul 03, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old- How am I doing?
Replies: 22
Views: 2266

Re: How am I doing?

I would cut back...like waay back on donations/church. You need to start funneling that to your taxable accounts.

$235k saved by age 33 with 2 kids is good. These are the most important years. Your money has the longest time to grow.
by ponyboy
Fri Jun 29, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3565

Re: Am I wasting money on my old car?

I question why you get your car serviced every 6 months? Do you mean oil changes? Anything other than an oil change is a waste of money every 6 months. Id fix it if I were you. Thats low miles for such an old car. Thats a vehicle that can easily go 200k+ miles without major work. Timing belts/idlers...
by ponyboy
Wed Jun 27, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1650

Re: Planning for children

Can you only obtain LTD insurance through an employer? Or is it like life insurance where you can go with any insurance company.

Also...what does LTD insurance cost/year on average?
by ponyboy
Tue Jun 26, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7585

Re: Family dynamics/in laws/am I being petty?

The best thing to do is post about it online and not to your SIL. Seriously though...just speak up and act like an adult.
by ponyboy
Thu Jun 21, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11608

Re: Feel like I'm sinking money into international

I dont own any international. Used to years ago and got rid of it all.
by ponyboy
Tue Jun 19, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5484

Re: Road trip Pennsylvania,Maryland,and DC

. . . I live in northeast PA...trust me. Philly is a wreck... . . . An incredibly dumb statement, and I'm being polite. Independence Hall (a UNESCO World Heritage Site), Valley Forge, the Liberty Bell, the Franklin Institute, Philadelphia Museum of Art, the Academy of Music, Chadds Ford (Andrew Wye...
by ponyboy
Tue Jun 19, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5484

Re: Road trip Pennsylvania,Maryland,and DC

Theres not much in PA...I wouldnt even put it on the list. I live in northeast PA...trust me. Philly is a wreck...pittsburgh is decent but too far away from DC...again, not much to see in pitt. Amish country is lame imo. You'll just want to focus almost all of your attention on DC. We used to live t...
by ponyboy
Tue Jun 12, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7706

Re: Boring Job

Better the devil you know than the devil you dont. Be careful what you wish for. It takes you 2 hours to get your job done. Ask for more work and you shall receive. Then your days may be swamped. Then what?? You cant go back to that 2 hour day. Ive always worked at jobs that required little work...a...
by ponyboy
Mon Jun 11, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 214940

Re: Share your net worth progression

Am I the only one who thinks these threads are pretty useless, and are their own warped version of comparing yourself to others and keeping up with the Jones's? Yeah...for the most part its worthless. Just throwing number down doesnt paint a very clear picture. Would be nice if there were more deta...
by ponyboy
Tue Jun 05, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4936

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

This is no different than working for the government vs private contractor. Government has more stability, having to work less hours, good benefits, less pay Private contractor has less stability, having to work more hours, benefits arent as good, pay is almost always much more Doesnt matter if its ...
by ponyboy
Fri Jun 01, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3903

Re: Sherwin Williams paint

You pay a premium for SW...but for good reason. its the only paint I use. Im painting over walls that already had a light coating of paint...but I never had to apply more than 1 coat. I painted primer on new drywall...then SW...again...no more than 1 coat with the final color.
by ponyboy
Thu May 31, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 31456

Re: The Side Hustle

If you're willing to share, I would be curious in learning how you arbitrage credit rewards without "churning". The general gist is well known. The colloquial term is manufactured spending. Basically you find loops whereby you can put spend on a card to generate points and then pay off the credit c...
by ponyboy
Tue May 29, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3785

Re: New roof - does this ridge vent look right?

To answer a couple questions: Yes, they did cut out a vent in the plywood sheets. I can see it from the attic, a few inches on each side of the peak. The job included a permit. This was a full tear down roof to the underlayment. UPDATE: I just spoke with the owner of the company. He said it "looks ...
by ponyboy
Fri May 25, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 5178

Re: Hawaii vacation suggestions

I'm just now booking my first trip to the Islands in March of 2019. I'll be on the big island for 6 days and then 4 days on Maui. I am a fan of outdoor stuff... Hiking up to 20 miles a day, I tired surfing on the west coast a few times(but I stick to snow sports now) Scuba diving, running, cycling,...
by ponyboy
Thu May 24, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 14555

Re: Renting vs Owning Your Home

Owning isnt cheaper imo. Yearly...the amount I pay in property taxes, insurance, and added utilities would nearly cover my rent for a year. Now start adding upgrades, buying more stuff for the house...and fixing things when they break. Oh and the amount of lost money due to not being able to invest ...
by ponyboy
Wed May 23, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5342

Re: Buy an old farmhouse?

Pass on it. You can always buy land and build on it. You're going to dump a ton of money into a house that old. Things you cant even imagine. Go ahead and throw a budget together on what you'd like to have done...then add another 40% on top of that number...thats what it will cost you (if you're luc...
by ponyboy
Wed May 23, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 2039

Re: Babymoon - Hawaii Recommendations/Expected Costs

Ill echo what someone else said...I cannot recommend heading to hawaii for a few days. Its just too far.

Ive been there 4 times from the east coast...we usually go around 2 weeks each time...thats the bare minimum for us. You blow 2 days traveling there...1 day there and 1 day home.
by ponyboy
Mon May 21, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5841

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

I didn't know you could buy a $28k house, which didn't need to be condemned. If a $28k house in decent condition exists, a compromise is you buy the property and rent it back to him at zero profit. That should limit your downside, as you own the property, and be cheaper than $600/month for him. You...
by ponyboy
Fri May 18, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4560

Re: Surgeon salary vs owning a business salary/profit?

I have 2 friends who pursued the surgeon career. I wouldnt trade my life for theirs any day of the week...my wife and I make a combined $160k in a LCOL area. The amount of hours they had to put in for 10ish years to become a surgeon is ridiculous. They are just out of I guess residency...that time a...
by ponyboy
Thu May 17, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13478

Re: how do you tip on wine at a restaurant

GCD wrote:
Wed May 16, 2018 8:23 pm
theplayer11 wrote:
Wed May 16, 2018 7:34 pm
real men drink beer
and don't eat quiche.
What kind of real man doesnt eat eggs and cheese?