Search found 282 matches

by Broadway2018
Mon Apr 09, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1936

Posting My Expenses for 2018...

I want to post my fiance and I's spending here so far for 2018. I often read Bogleheads and Mr Money Mustache, however, feel we are always overspending compared to people on some of the forums. From Jan 1, 2018 to Mar 31, 2018 this is the average of what we spent in each category per month. For refe...
by Broadway2018
Fri Apr 06, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 95
Views: 13151

Re: Your Monthly Cost of Living

Baltimore, MD
1. Housing: rent/mortgage/utilities - $2450
2. Transportation: car, insurance, license, registration, gas, maintenance - $1310 ( 2 cars, insurance, gas, and occasionally tickets/tolls)
3. Food: groceries, restaurants - $750
by Broadway2018
Wed Mar 28, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 15576

Re: New 2019 RAV4 is now out - looks good

Definitely looks similar to a Subaru
by Broadway2018
Sun Mar 25, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Good store for roller shades?
Replies: 15
Views: 1997

Re: Good store for roller shades?

JCP!! Their shades are easy to install and always super cheap. Never had an issue!

https://www.jcpenney.com/g/cellular-sha ... acZ1z140zj
by Broadway2018
Sun Mar 25, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

So after all my research, I gave into an impulse purchase at Costco. It was a set from Greenpan for only $229 at Costco. It was tri-ply on the outside and ceramic inside. Also, the handles and such felt good to hold and we can return it at any time. I will keep this updated on how they look after se...
by Broadway2018
Fri Mar 23, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 6150

Re: Your favorite Florida beach??

Fort de Soto is by far the best beach....I am from Florida and had lived there for 28 years. I have been to every coast and that is my recommendation.

It costs $5 to get in and is on a preserve. They also offer kayaking and such. It's a hidden gem!!
by Broadway2018
Fri Mar 23, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

I may just buy something cheaper this weekend and test it out. I really don't want to spend more than $300-$400 for saute pans, frying pans, and sauce pans. I cook pretty basic food and am now second guessing if I really need 'the best' pans. Demeyere seems great but I question why I really need to ...
by Broadway2018
Thu Mar 22, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

Count me as another happy Vollrath Tribute user. They're not as pretty as the All-Clads, but they have all the features you need, and will survive commercial kitchens cranking out hundreds of covers every night at a fraction of the price. For nonsticks, I've had good experience with Calphalon, but ...
by Broadway2018
Wed Mar 21, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

I'm in the market for some non-stick cookware with ceramic coating. I'm reading recommendations for scanpan here - a ten piece set would cost around $500 (https://www.williams-sonoma.com/products/scanpan-professional-nonstick-10-piece-cookware-set/?pkey=ccookware-scanpan%7Cscanpan-professional&isx=...
by Broadway2018
Tue Mar 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

I found this when searching for rivetless design in cookware. Anyone have experience with this brand?

https://www.gunterwilhelm.com/5ply-stai ... are-11pcs/
by Broadway2018
Tue Mar 20, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

So I went to BBB and the 20% is not good on Demeyere. Any suggestions on where to buy?

Thanks!
by Broadway2018
Tue Mar 20, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 3851

Re: TV and set up recommendations for above fireplace

I hired a company to mount it off of thumbtack.com in my area. Cost me $100 and they hid all cables and such behind the TV. Looks flawless.
by Broadway2018
Mon Mar 19, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

Ok so after lots of researching, I am still torn between getting an okay set for $300 or spending more for the Demeyere. Any recommendations for finding the best prices? Researching just keeps me going in loops because there are so many opinions and options. Demeyere seems to be best at Bed Bath and...
by Broadway2018
Thu Mar 15, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 21517

Re: 2018 Forester vs CRV vs RAV4

I cannot speak for the Forester but I love Subarus! I have a 2017 Outback Limited w/ Eyesight and it is unbelievable! I will forever own Subarus at this point since the technology, drive, and design are much nicer than Honda or Toyota, plus it has AWD standard. The drive really is better especially ...
by Broadway2018
Mon Mar 12, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

So after looking I really don't need all the pieces. If I bought separately it is also cheaper since the ones I want are on sale at https://www.zwillingonline.com. I was mainly looking at Costco for the warranty aspect, however, assuming I bought from the manufacturer, they would honor the warranty....
by Broadway2018
Sun Mar 11, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Re: Cookware Brands - Demeyere?

I'm deep in research for cookware right now (research is in my job description so it transfers to everything. A blessing and curse). That set is good. You are in buy it for life territory with that set. I've been eyeing the Demeyere Atlantis and 7-ply for my main cookware (11" fry pan, skillet and ...
by Broadway2018
Sun Mar 11, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6387

Cookware Brands - Demeyere?

I am deciding to buy new pots and pans because our non-stick is worn out yet again. Does anyone have any experience with Demeyere cookware? Also, any idea if the below is a good set? https://www.costco.com/Demeyere-Intense-9-piece-5-ply-Cookware-Set.product.100391994.html I am trying to stick to Cos...
by Broadway2018
Sun Mar 04, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Blinds- where did you get yours?
Replies: 15
Views: 3128

Re: Blinds- where did you get yours?

JCP has blinds online that you can custom order. They are normally 40-60% off and you can buy JCP giftcards at cardpool plus use a cashback site. I bought blinds for 10 windows and spent maybe $300 total....and they are custom fitted. Below are the ones I ordered. https://www.jcpenney.com/p/jcpenney...
by Broadway2018
Wed Jan 31, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

Thanks everyone for your help! We signed the mortgage refinance yesterday and it was quick painless process.
by Broadway2018
Fri Jan 26, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 4530

Re: How Long For Mortgage Term?

Why not do the 20 year for some breathing room, but still better rate and less interest than the 30 year?
by Broadway2018
Wed Jan 24, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

This is not the correct comparison, because dollars paid later are less costly than dollars paid now. If you reduce this year's payment, you can contribute the difference in payments to your IRA or 401(k), where it will grow. To get a more fair comparison, see what happens if you make additional pa...
by Broadway2018
Tue Jan 23, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

In your current situation, at what point would PMI be discharged? Basically, without PMI, they're both the same monthly cost (you'll either pay the escrow shortage now or roll it into the new loan and pay it eventually plus interest). Essentially, the difference is the $24k or so you'll pay over th...
by Broadway2018
Tue Jan 23, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 11386

Re: Working in the real world

Some of us do get lucky. I am 29 and worked my a$$ off when I first graduated. Also, was not stuck on a specific job/role in a company. I took many different jobs in order to progress. For example, started in finance, then learned databases and went to hr systems, then back to revenue management whe...
by Broadway2018
Tue Jan 23, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 4131

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

I felt compelled to reply to this thread since I see so many of them about technical paths. Taking a course is not going to automatically result in more money and an IT type job. It will be difficult to make six figures without a bachelors at least. I have a masters in engineering, an mba, and 10 ye...
by Broadway2018
Mon Jan 22, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

The numbers in your first option don't add up, so I can't figure out how to compare your two options. In the first option, you list a payment of $2,869.39 broken up into numbers that sum to $2665.59. Is $2665.59 the correct monthly amount or is one of the numbers in your breakdown incorrect? Sorry ...
by Broadway2018
Mon Jan 22, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

I missed your post on the 15 year option. Yes, if you can lower your rate, save money overall, shorten the duration of your loan, and meet your cash flow needs, this would be the best option. Usually, shorter loans, even with lower interest rates, carry higher monthly payments. I'm surprised you ca...
by Broadway2018
Thu Jan 18, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing real estate in Philly
Replies: 13
Views: 1609

Re: Purchasing real estate in Philly

The properties I'm looking at: -1/2 BR within 2 miles of Center City, costing upwards of 400k (maybe 450k). I know 400k would be on the high end of things, but I think I can make it work even on a 15-year. -Ideally a place I could rent out after living here for a while (I'd assume that a 1BR would ...
by Broadway2018
Thu Jan 18, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

Same here. I actually don't have any restriction on not being able to contribute and it does not say anything about if employment is terminated. States LOA payback is deferred the whole time.
by Broadway2018
Thu Jan 18, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

I don't really see the issue with taking a 401k loan. Many people are saying to lower 401k contribution down to matching and pay off debt. If he does that he would miss out on contributing the max for this year. He can never get that back. It seems like its better to borrow 20k at a decent interest...
by Broadway2018
Thu Jan 18, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

I think taking a 401k loan with the investing history you describe would be a last resort. Like "I gotta eat" last resort. This is not a case of oversaving in a 401k and taking a loan to access that money to buy a house. This is taking out a 401k loan to pay an investment debt (really gambling debt...
by Broadway2018
Wed Jan 17, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

I am debating taking a 401k loan to pay off some debt in order to raise my credit score. This is a wretchedly bad idea. Don't do it. As others have pointed out, you cannot borrow yourself out of debt. Understood, I thought this may be frowned upon and am glad I posted to get some Boglehead feedback...
by Broadway2018
Wed Jan 17, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

Yea our take home is great, but we both have newish cars and car loans - but keeping them 10+ years. So once paid in 2-3 years we will have much more money. Also, we sort of split stuff 50/50 and don't have a joint account. So she is not contributing to my debt out of her pay and we each for now pa...
by Broadway2018
Wed Jan 17, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

If your wife makes enough money to get the mortgage on her own, it seems that you should have the liquidity to pay off the credit cards pretty quickly by cutting expenses without taking out the 401(k) loan. Don’t take 20%+ out of your 401(k); “targeting”to pay off the loan in a couple years is no g...
by Broadway2018
Wed Jan 17, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

Get more credit cards. Your Debt:Ceiling ratio matters more when trying to increase your FICO score than paying off those 0% cards. But don't incur any more CC debt at this point. I have other cards with nothing on them, however, they are not at 0%. I could balance transfer but that cost more money...
by Broadway2018
Wed Jan 17, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

The mortgage company said she could be on the loan by herself since my credit has tanked to about 600 due to the debt. Please let your wife get the refinance with a higher credit score. Does she make enough to qualify for the loan by herself? Otherwise stick with paying off the credit cards, then l...
by Broadway2018
Wed Jan 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

If your wife makes enough money to get the mortgage on her own, it seems that you should have the liquidity to pay off the credit cards pretty quickly by cutting expenses without taking out the 401(k) loan. Don’t take 20%+ out of your 401(k); “targeting”to pay off the loan in a couple years is no g...
by Broadway2018
Wed Jan 17, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

Its interesting your credit score is 600. I am currently getting out of debt and have similar utilization and my credit was 730 before I paid off a student loan. Now its 700. I expect it to go back to 720 in a month or two. I would just keep the 0% credit cards because the 401k youll end up paying ...
by Broadway2018
Wed Jan 17, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

We all might learn something from your misfortune if you share what happened. My only guess is that you used leverage in investing, and then didn't have the cash to back it up. Actually, not really quite investing, just easier for me to cope with the lost money. Not willing to share as its very per...
by Broadway2018
Wed Jan 17, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Re: Take a 401k Loan?

If I paid off $20k, my credit score would go back up to the 700s and I could be on the loan. I find that highly unlikely that your credit could improve that quickly with simply paying off a single debt. You said you could have it paid off in Jan 19, that is only a year away. Do that. Your credit sc...
by Broadway2018
Wed Jan 17, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 3395

Take a 401k Loan?

I am debating taking a 401k loan to pay off some debt in order to raise my credit score. In November, I didn't have much debt and my credit score was about 750. However, I had a bad investment choice and ended up $65k in debt. I have paid it down to about $40k right now (holiday bonus) and it is all...
by Broadway2018
Thu Jan 04, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing 2018 Taxes
Replies: 19
Views: 2754

Re: Reducing 2018 Taxes

Without knowing other details: Gross 130k 401k (18.5k off Gross) If you chose a High Deductible Health Plan with HSA you can save another 3.45k tax free No itemization means your taxable income is 130K - 18.95 - 3.45 - 12 = 95.6 k, solidly in the 24% tax bracket At this point I think your stuck wit...
by Broadway2018
Thu Jan 04, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing 2018 Taxes
Replies: 19
Views: 2754

Reducing 2018 Taxes

Anyone have any ideas on how to reduce my 2018 taxes? I currently make $130,000 a year and max out my 401k and will continue to do so. Other than that, I am not sure where to put my money. People talk about IRA's, however, I think my income is too high. I could put it into a Roth IRA but I don't thi...
by Broadway2018
Thu Jan 04, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

Just updating that I am going ahead with an appraisal. Worst case I am out $450, but really can't do much without it. Who knows maybe my house will appraise for an 80% LTV. Anyone have tips on getting a higher appraisal? I am going to send the appraiser comps and also clean/scrub my house this weeke...
by Broadway2018
Tue Jan 02, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

Yes I can remove PMI once LTV hits 20%. Between now and when I hit 20%, I will spend about $8-9k in PMI payments. I am leaning towards refinancing to the 15 year mortgage because I save a small amount now, it clears up the short term cash flow issue, and saves us interest and years. Or not doing th...
by Broadway2018
Tue Jan 02, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

That is the plan - to invest heavily in other investments after this is cleared up along with the credit card debt this year. So what option do you recommend? When I worked the numbers on the 20 year, I will pay about $5-6k more interest over the mortgage loan by refinancing, but save about $8-9k i...
by Broadway2018
Mon Jan 01, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

The escrow is a cash flow issue, but not a cost. If you have an escrow shortage, the only way to get rid of it is to put more money into escrow; regardless of what your bank calls it, that is a cash-in (or less-cash-out) refinance. Thus it makes more sense to compare mortgages based on term, intere...
by Broadway2018
Mon Jan 01, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

Per your own words, you have a temporary cash flow problem. I wouldn't "fix" it with a long term solution by extending your loan and going to a higher interest rate. I would do one of two things: Decrease the rate of paying off the credit card. It's 0% interest, so you can defer that (although the ...
by Broadway2018
Mon Jan 01, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3570

Re: Refi After 1 Year?

Any thoughts if I refinanced to a 15 year? The rate would 3.25%, I would drop PMI, and the monthly would still be less than the current situation. It would be around $2775 and shave off 4 years on the mortgage. Would that be better than freeing up cash flow on the 20 year? Also, when I calculated th...
by Broadway2018
Mon Jan 01, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: 24, Short and long term goals, advice appreciated
Replies: 14
Views: 1506

Re: 24, Short and long term goals, advice appreciated

My fiance and I (both of us are women) looked at engagement rings last year and even the simplest rings at Jared's or other similar stores were $10k-15k. We both decided to go with moissanite in platinum and had a local jeweler custom design the rings. The cost was about $5k each and they look stunn...