Search found 58 matches

by jpkuva
Wed Jun 08, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 63
Views: 13242

Re: Window replacement - any advice? Lessons learned?

We also selected Okna for whole house window replacement. We chose the 800 series which is their top of the line model. Okna is considered to be on the shortlist of top replacement brands. I would strongly encourage to look beyond Pella and Andersen. The project was not cheap, but our builder grade ...
by jpkuva
Tue May 24, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Had a sliding glass door installed in the past 5 or so years? How much...
Replies: 9
Views: 3604

Re: Had a sliding glass door installed in the past 5 or so years? How much...

Phily burbs as well. We just replaced a builder grade (ThermaTru brand) french style door with a slider. We went with a brand called Okna, aka HiMark, 800 series. The door ran around $900. I can't quote an install price as it was combined with replacing 10 Windows. They are manufactured in Bristol, ...
by jpkuva
Thu Dec 10, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 61935

Re: Flaunt Your High-Mileage Car

I just got rid of a 2006 Acura RL with 145k miles. My goal was to keep it another two years, but it was totaled in a car accident. Thankfully no one was injured, and the at fault driver had insurance. I replaced it with a 2016 Audi A6...a fantastic vehicle for anyone considering a luxury sedan.
by jpkuva
Tue Dec 09, 2014 4:21 pm
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 40
Views: 6978

Re: East Coast trip with kids (NYC, Boston, Washington?)

I will echo what others have said, Washington DC is a wonderful place to visit. Your kids are old enough to appreciate the museums...most all free, as noted by others. My wife and I lived there for a number of years and enjoy taking our children back for visits. DC is one of my favorite cities in th...
by jpkuva
Thu Nov 13, 2014 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 6583

Re: Obligation to Parents?

My personal experience is that money doesn't always solve money problems. We have helped parents with monetary gifts, but have stopped short of completely solving all financial needs. You may find that the behaviors that led to the financial problems are not easy to solve. We have paid off credit ca...
by jpkuva
Thu Nov 13, 2014 9:22 am
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 5869

Re: Boglehead family vacations

We spent last spring break in Orlando, visiting Disney, Universal, and Legoland. As we were not spending our entire time at Disney, we stayed at the JW Marriott Grand Lakes. The hotel was terrific! My kids (8, 6, 3) loved the large pool with lazy river. We would stay at that hotel again in a heartbe...
by jpkuva
Mon Aug 25, 2014 8:10 am
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 17187

Re: Zegna Suits

I own two suits and both were made to measure for me. These were purchased in the last two years and cost around $2k each. I appreciate the handmade quality, fabric, and full canvas construction. They fit me...well, like they were made for me. I believe any suit beyond this price point would represe...
by jpkuva
Wed Aug 13, 2014 8:01 am
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 4144

Re: Tropical vacation next winter with infant-where?

Having just recently returned from Singapore, I can't imagine bringing an infant or small children on a 19 hour flight. I flew first class, and it was still a marathon event. Tread carefully on those long haul journey destinations. I would suggest targeting locations with much shorter flights.
by jpkuva
Tue Jun 17, 2014 8:58 am
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 21039

Re: Will adding [air duct] returns cool the upstairs bedroom

We also had an issue with upstairs temp. At the time your home was built my bet is that Code stated a return in the upper center hallway and one in bedroom. In my area this code has been changed to now require a return in each bedroom. I replaced our "builder grade" HVAC system for upper zone (3 ton...
by jpkuva
Fri May 23, 2014 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 36716

Re: declining job due to travel

I also have three little ones and enjoy being part of their daily lives. However, I don't consider a quarterly trip for one week to be an unreasonable travel schedule. I have traveled to the AsiaPac region on a number of occasions. My longest flight was Newark to Singapore; it was 19 hours in the ai...
by jpkuva
Sat Apr 05, 2014 7:04 am
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 10659

Re: Any Bogleheads here into real estate investing?(renting

I have owned rental properties for the last 12 years. At one point I had three building, total of nine units. I have less time to devote these days so I am in the process of selling my final property. This is what I have learned, in no certain order: - Read all you can prior to getting involved in t...
by jpkuva
Mon Mar 24, 2014 10:49 am
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 3538

Re: Anyone been to Singapore?

I did a business trip to Singapore about three weeks ago. A wonderful place to visit. Long flight from the East Coast of U.S....even in business class. I didn't mind the flight to Singapore as I left PM EST. The flight home was a 5:45am back to U.S. and seemed to last forever (connection throught Ho...
by jpkuva
Sat Jan 11, 2014 8:14 am
Forum: Personal Consumer Issues
Topic: Vacation with Kids
Replies: 21
Views: 2399

Re: Vacation with Kids

We have three little one, 7, 5, and 3. Most years we have done simple vacation, such as a week at the beach with trips to the boardwalk and small amusement parks. Two years ago we took them to Disney World and they had a great time....with moments of what you might expect with young children. I am n...
by jpkuva
Fri Jan 10, 2014 3:02 pm
Forum: Personal Consumer Issues
Topic: Home Builder Experience
Replies: 36
Views: 5231

Re: Home Builder Experience

We've lived in a Ryan home (center hall colonial style) for the past 8 years, the home is 11 years old. I think the home is reasonably well built, but frankly out of the box lacked any character. Each year we do a project that adds some nice details to the home, such as crown molding, door transoms,...
by jpkuva
Fri Dec 27, 2013 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 32679

Re: What you wish you had known entering your late 20's

I won't reiterate the good advice others have offered or try to exhaust all advice. One item I will add is to make sure you have goals set. Ensure you have financial goals, career goals, continuing education goals, personal goals, etc. Be purposeful and thoughtful in your decisions. My favorite sayi...
by jpkuva
Tue Nov 26, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: New job in DC - where to live
Replies: 34
Views: 3318

Re: New job in DC - where to live

I lived in the NOVA area for 15 years, enjoyed it very very much. NOVA is a good location for commuting into McPherson Square, which is serviced by the Blue and Orange lines. I commuted (metro and bike) from as far as Falls Church West metro and as close as Rosslyn. My opinion is the fewer the numbe...
by jpkuva
Thu Nov 14, 2013 12:51 pm
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 4634

Re: bigger SUVs that carry 7

I needed a larger vehicle when our third child arrived as I could not get three car seats in the second row of current Grand Cherokee. My wife would not go the minivan route. We opted for a Ford Expedition and have now owned it for three years/45k miles. The vehicle has returned trouble free service...
by jpkuva
Mon Nov 11, 2013 9:22 am
Forum: Personal Consumer Issues
Topic: "EasyCare" Extended Car Warranty for New Car?
Replies: 22
Views: 5487

Re: "EasyCare" Extended Car Warranty for New Car?

My experience is they are very difficult to collect on. My brother in law had a recent engine failure on a Jeep Wrangler, for which he had purchased an extended warranty. The Jeep was towed to the dealer and the fun began. He contacted the warranty supplier and they instructed the dealer to begin th...
by jpkuva
Tue Sep 10, 2013 8:46 am
Forum: Personal Consumer Issues
Topic: Considering a Bread Machine
Replies: 38
Views: 3513

Re: Considering a Bread Machine

We purchased the Zojirushi, which gets great reviews. With three kids we go through a lot of bread, so saw this as a way to reduce our grocery bill. We found the bread to be very dense with a really thick crust. It was not ideal for sanwiches, kids never liked it, and we eventually stopped using it....
by jpkuva
Fri Sep 06, 2013 11:42 am
Forum: Personal Consumer Issues
Topic: Attic Sealing & Insulation...
Replies: 40
Views: 5361

Re: Attic Sealing & Insulation...

I had the exact problem a few years back, this is what we did: 1. Replaced the builder grade HVAC for the second level (we have two zones as do you). Went from a 2.5 ton to a higher end 3 ton unit, and an 90% efficiency furnace. The 10 yr old unit had been acting up so time to go. 2. The HVAC contra...
by jpkuva
Fri Sep 06, 2013 8:28 am
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 7465

Re: How many big moves have you made in your lifetime?

My first big move was after undergrad. I spent about six months looking for a job in the area in which I was raised, small depressed Northeastern city, with no luck. I ended up landing a job in Washington DC, which put me about 225 miles from home. The move was more exciting than difficult. There we...
by jpkuva
Fri Aug 30, 2013 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 5342

Re: Get an MBA or Invest?

I don't see pursuing an advanced degree and investing as mutually exclusive, just different investments. When my siblings and I were growing up my Mom would always say "there are two things no one can ever take away from you, your religion and your education". I think you need to consider pursuing a...
by jpkuva
Mon Aug 19, 2013 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2708

Re: new job 3.5 hours away

What is your longer term plan with regards to the job and location of that job, i.e. how long will you plan to stay in this job? Apt/house sharing will be your best bet from a cost perspective. I think it's reasonable to seek reimbursement of your house hunting costs. However. I would caution on req...
by jpkuva
Wed Jul 24, 2013 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 7581

Re: Conflicted About Expected Lifestyle Creep

I would absolutely suggest you overachieve in your savings rate while you are young. Allow as much money as possible the maximum amount of years to compound in value. However, I wouldn't suggest you do this to the extent that you are unhappy living a miserly existence. Develop a savings target, proj...
by jpkuva
Fri Jun 14, 2013 8:18 am
Forum: Personal Consumer Issues
Topic: Wilkes-barre / Scranton, PA: any nice areas to live?
Replies: 16
Views: 5965

Re: Wilkes-barre / Scranton, PA: any nice areas to live?

Short answer, yes, nice place to live. I was raised in a suburb of Scranton, left the area after completing my undergrad at a local university. My immediate family still lives in the area. In my opinion Scranton is a better locale than Wilkes-barre. I think the city of Scranton has seen more investm...
by jpkuva
Tue May 14, 2013 4:27 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 13404

Re: 100% equities, anyone?

[quote="jpkuva"][quote="FinancialDave"][quote="jpkuva"]I don't see where over the long term one is greatly rewarded for the risk of a 100% equity portfolio. Years back I met with a Vanguard advisor who offered the following information: For the period of 1926 to 2009: [/quote] [quote]This would be a...
by jpkuva
Tue May 14, 2013 4:25 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 13404

Re: 100% equities, anyone?

[quote="FinancialDave"][quote="jpkuva"]I don't see where over the long term one is greatly rewarded for the risk of a 100% equity portfolio. Years back I met with a Vanguard advisor who offered the following information: For the period of 1926 to 2009: [/quote] This would be a very dangerous world i...
by jpkuva
Tue May 14, 2013 7:36 am
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 13404

Re: 100% equities, anyone?

I don't see where over the long term one is greatly rewarded for the risk of a 100% equity portfolio. Years back I met with a Vanguard advisor who offered the following information: For the period of 1926 to 2009: A 100% all stock portfolio returned 9.9%. The loss on this portfolio in 2008 was 37.04...
by jpkuva
Tue Apr 23, 2013 8:19 am
Forum: Personal Investments
Topic: Should I stay or Should I Go: Annuity-How To Evaluate
Replies: 9
Views: 1685

Re: Should I stay or Should I Go: Annuity-How To Evaluate

I recently went through a similar exercise in helping my brother and his wife determine if they should keep an Annuity within an IRA - they received poor "advice" from a life insurance sales rep. My simple approach was to create two scenarios in Excel as follows: Scenario #1 (Retain IRA Annuity): Cu...
by jpkuva
Tue Apr 16, 2013 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 20670

Re: harvard med school vs. penn med+full tuition scholarship

Both are highly respected Ivy league med. schools, and one has offered their education for free. Tell me again why this is a dilemma? If I may, can I assume you are young and at this time in your life might not have had to shoulder the burden of supporting oneself? It's likely that at or around the ...
by jpkuva
Tue Mar 26, 2013 5:09 pm
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 22144

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

A beautiful and sophisticated looking timepiece. You clearly have the funds to afford the watch, buy the watch and wear it in good health. Why deprive yourself of something you have wanted for so long? Why work hard and sacrifice if you not to enjoy some of your wealth? What's the risk in making the...
by jpkuva
Thu Mar 14, 2013 12:11 pm
Forum: Personal Consumer Issues
Topic: Maximizing a Stay at the Ritz
Replies: 29
Views: 3597

Re: Maximizing a Stay at the Ritz

My wife and I stayed at Ritz in Philly on two occassions, our wedding night and an anniversary. It's a beautiful hotel and I would stay there again. Here is my avice..put your frugal ways aside for an evening, splurge on a nice dinner and drinks (if you endulge) and have a wonderful time. When you w...
by jpkuva
Thu Feb 21, 2013 12:59 pm
Forum: Personal Investments
Topic: Stock options/grants, how do you handle?
Replies: 21
Views: 1911

Re: Stock options/grants, how do you handle?

[quote="mhc"][quote="mrspremise"] It's worth noting that buying and holding your stock options is not a taxable event[/quote] Depends on if they are ISO or non-qualified. Non-qualified, which are more common, are taxed on exercise. The difference between FMV and grant price is taxed as normal income...
by jpkuva
Thu Feb 21, 2013 9:39 am
Forum: Personal Investments
Topic: Stock options/grants, how do you handle?
Replies: 21
Views: 1911

Stock options/grants, how do you handle?

As part of my compensation I receive both non-qualified stock options and restricted shares. The options have a "spike" price based on the date of issue and vest 25% each year. The restricted shares follow the same vesting period, but there is no option price and I can simply sell the shares for mar...
by jpkuva
Mon Feb 18, 2013 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 2596

Re: Pharma career change - anyone have experience

I do see many many opportunities on the CRO side of the pharma industry, as it has been a large benefactor of the downturn in the big pharma industry. Specific roles I see lots of opportunities are CRA, medical writing, project management, regulatory affairs, and also IT. As long as you are willing ...
by jpkuva
Wed Nov 28, 2012 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 10796

Re: Becoming a Landlord Experiences

I bought my first property 11 years ago, owned three during this time period sold two, have one left. I will echo what others have said, you make your money when you buy the property. Pay too much and it will never cash flow. All of my properties looked great on paper, but most years if I made a lit...
by jpkuva
Wed Nov 07, 2012 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 5002

Re: Contract Chicken Growing

You asked and lots of really smart and wise people told you not to do it, take this to heart and don't let youthful exuberance cloud your judgment. I will echo what others have advised, consider other less capital intensive options that allow you farm. You state you "like to farm" but do you really ...
by jpkuva
Wed Sep 26, 2012 9:00 am
Forum: Personal Consumer Issues
Topic: Old Pulteney 21-year-old Single Malt Whisky
Replies: 12
Views: 2449

Re: Old Pulteney 21-year-old Single Malt Whisky

I am curious as to whether anyone has ever tried Yamazaki 12 yr old. I was introduced to this while on a business trip to India. I am no whisky expert, but have tried several scotch whiskeys, and thought this to be particularly good in comparison.
by jpkuva
Fri Aug 24, 2012 9:34 am
Forum: Personal Consumer Issues
Topic: big diamond ring
Replies: 80
Views: 13869

Re: big diamond ring

Make SURE you know exactly what she wants (size, style, setting, etc.) If I had to do over again I would have involved my wife in the purchase, or at the very least advise me on exactly what she wanted. I purchased a ring I thought was beautiful, she's never been wild about. Live and learn. :oops:
by jpkuva
Fri Aug 17, 2012 8:23 am
Forum: Personal Investments
Topic: Saving for kids education
Replies: 26
Views: 3554

Re: Saving for kids education

I agree with those who state you should prioritize your retirement, which you seem to be doing nicely. Saving for a child's education is a personal decision. Many of us likely hold the opinions we do because of how our own parents assisted with one's education. Personally, my parents did what they c...
by jpkuva
Fri Jul 13, 2012 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads buy nice suits?
Replies: 87
Views: 10247

Re: Do Bogleheads buy nice suits?

As with any purchase I stick within my means. When I got my first job my suits were relatively inexpensive, maybe $200 back in the early 90's, but that's all I could afford. As I have gotten older I prefer less "stuff" but do appreciate finer quality. I spent about $1500 on a recent suit purchase an...
by jpkuva
Fri Jun 29, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: *this* close to quitting
Replies: 84
Views: 11921

Re: *this* close to quitting

A older and wiser colleague once told me "It's much easier to get a job when you have a job". I have always stuck by this advice.
by jpkuva
Fri Jun 22, 2012 2:00 pm
Forum: Personal Consumer Issues
Topic: Where to Live if Working in Princeton, NJ
Replies: 25
Views: 16290

Re: Where to Live if Working in Princeton, NJ

I will echo what many others have written, live in PA and save a bunch on taxes. I work in Princeton and live in PA. They may be renters today, but if they stay in the area they will likely want to purchase a home. Yardley (25 mins to Princeton), Newtown (35 mins to Princeton), New Hope/Solebury Tow...
by jpkuva
Fri Jan 20, 2012 9:33 pm
Forum: Personal Consumer Issues
Topic: Did you ever regret your career choice
Replies: 54
Views: 5976

Re: Did you ever regret your career choice

I have at times wondered what it would be like or would I be better suited to another profession. I earned a BS in Accounting and an MS in IT. I spent about 20 years working with implementing large ERP systems, and was lucky enough to get some great experience with some good companies. It allowed a ...
by jpkuva
Thu Oct 27, 2011 7:42 am
Forum: Personal Investments
Topic: 403b advice for 24 year old?
Replies: 16
Views: 1441

Re: 403b advice for 24 year old?

I would first ensure that ING was her only option. My sister, also a teacher, was presented with a MetLife 403b annuity plan after the local MetLife salesman visited the school. I asked her to contact her school district business officer to see if any other companies were participating in the 403b p...
by jpkuva
Wed Sep 07, 2011 8:05 am
Forum: Personal Investments
Topic: forums for landlords?
Replies: 3
Views: 704

mrlandlord.com is very good.
by jpkuva
Fri Jul 29, 2011 3:36 pm
Forum: Personal Consumer Issues
Topic: Have you been present at the moment of someone's death?
Replies: 42
Views: 5372

Not at the exact moment, but prior to my grandmothers passing she called each one of her grandchildren to say goodbye. I told her how much she meant to me. She and my grandfather played a big part in my life and I was glad I told her. I took the call on my cell in a grocery store parking lot and sat...
by jpkuva
Fri Mar 04, 2011 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Should I go to] Law School
Replies: 77
Views: 12578

My wife is an attorney. Back in the mid 90's she came out of law school with about the amount of debt you quote. She did some temp work in the field until she landed a job at a federal agency, making about 35-40k a year. She got great experience and then was picked up by a big city law firm. The pay...
by jpkuva
Wed Dec 08, 2010 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: How do you keep your house clean?
Replies: 101
Views: 16744

We have a maid that cleans the house every other week. For the longest time we did it ourselves. However, with two children under 4.5 years, another child on the way, and my wife working part-time we just had a tough time squeezing it all in. I grew tired of spending Saturdays cleaning the house; I ...
by jpkuva
Thu Jan 07, 2010 12:57 pm
Forum: Personal Investments
Topic: Life Insurance Proceeds - Need Help
Replies: 14
Views: 1924

10% Tax Rate

I spoke with her CPA and learned she is only in the 10% tax bracket. Based on this can I ignore the practice of keeping taxable bond funds out of taxable accounts. My thoughts are to split her bond allocation in her taxable account with 50% in Total Bond Fund and 50% in Vanguard's TIP fund. Thanks.