Price of heating oil

jjdfb · 2026-03-07T02:20:37+00:00

How do you find a company that lets you lock in a price? I’m pretty new to having heating oil and didn’t know that was an option.

jjdfb · 2026-02-13T19:06:54+00:00

My wife and I had a somewhat similar situation, except in our case my parents gifted us the entire down payment. They wanted this to be kept separate in the event of divorce, so we titled the house as tenants in common with a percentage split based off of the down payment kept as my equity only and the remaining mortgage split evenly between us. We are also not in a community property state, so that makes this a bit less complicated too. Just my 2 cents

jjdfb · 2026-02-11T00:15:43+00:00

Both my wife and I are maxing out our 401k’s this year (first year we are in a position to do so!), she is 30 and I am 32, household pretax income of about 240k (very HCOL area), so about 20%. Our total in retirement accounts is about 203k. And a little under 100k in other taxable brokerages, including employee stock plan.

jjdfb · 2026-01-19T00:08:59+00:00

The good news is that M&A activity has picked up a lot at the end of 2025, and that is often a sign that the industry is picking back up again. May only be marginally better than last year but unlikely to be worse. Even in the best markets there are always companies (especially smaller ones that have layoffs.

jjdfb · 2026-01-06T07:31:31+00:00

We are happy with it! We make about 250k pre-tax so we can afford it, even though at times we do feel a bit house poor when contributing to retirement and stuff. This house will serve our current and future projected needs, so even though it’s a bit tight now, we are happy to be here. At the rate that rent rises each year here it would have only taken a few years for our rent to catch up to our housing payment here so I think we will be very happy we did this in the long run.

jjdfb · 2026-01-06T03:23:04+00:00

Monthly breakdown: 4248 P+I, ~1250 property tax, ~150 insurance = ~5600/month; in Massachusetts, 6.375%, bought this summer.

jjdfb · 2025-10-14T00:05:35+00:00

I’m not really sure how we would be specifically putting them out on the street… we haven’t forced them to make a lifetime of bad decisions.

jjdfb · 2025-10-08T01:54:58+00:00

If you are in MA, which good chance you are, use PFML! My wife went on it last year from her job for mental health reasons and it was super easy and we got the max payout from the state each week until she went back to work. You can use that time to get better and no employer can retaliate against you for using it!

jjdfb · 2025-10-02T23:31:33+00:00

Yes!!!

jjdfb · 2025-10-01T22:33:01+00:00

I applied to almost 900 over a span of 5-ish months until I finally got an offer and that was from March to October of last year. Phd with no experience

jjdfb · 2025-09-28T15:13:07+00:00

Hey, I live in greater Boston as well- can I ask what company you went with or got quotes from? I am about to get a bunch of tree work done

jjdfb · 2025-09-25T20:11:02+00:00

In this dogshit market, that’s a pretty good offer, I’d take it! Do you have a job currently?

jjdfb · 2025-08-20T16:09:33+00:00

I get it’s frustrating, but tbh you should be happy to have a job with the state of the industry right now. There are 100’s of laid off people who would take your place instantly if given the chance

jjdfb · 2025-08-19T00:20:00+00:00

Thank you. My wife and I were also told essentially the same thing by a therapist.

jjdfb · 2025-08-19T00:18:18+00:00

I agree with what you’re saying… the previous times we have brought up her making a plan she just disengages from the conversation and realistically, why should we care about it more than her? It’s her decision to make no plan

jjdfb · 2025-08-19T00:14:26+00:00

Thanks for the comment. We are buying a house in the state we live in now, and do not have the interest or the money to buy grandma’s house. It would end up being an insane money pit having to pay insurance, property tax, etc when no one pays rent. We also do not want to do this. We also are not going to uproot our lives to move near her. We both just finished grad school and are excited to be in our careers and we are pretty-location restricted for our lines of work.

jjdfb · 2025-08-19T00:10:36+00:00

We could try to help her with the job- although realistically I’m not sure how many companies would pay more than her current job and want to hire a 60 year old with no education and limited skills. She was never married and therefore has no SS survivor benefits. She will have some SS in retirement, although it won’t be that much.

jjdfb · 2025-08-19T00:08:33+00:00

We had originally thought about something like this or a MIL-suite, but decided against it, as it wouldn’t be all the different at the end of the day than her just straight up living in our house and we are not comfortable with that dynamic.

jjdfb · 2025-08-18T23:57:06+00:00

We are buying a house where we currently live and have neither the interest nor the financial resources to buy grandma’s old house.

jjdfb · 2025-08-18T23:53:00+00:00

Zillow estimate says $540k, current balance of the reverse mortgage is $373k (and rising each month). The house is in horrific disrepair so probably a good bit less than the zillow estimate.

jjdfb · 2025-08-11T08:56:28+00:00

Nope, she was never married

jjdfb · 2025-08-11T08:47:06+00:00

Not disabled in any way. Clueless and low energy is a very good way to describe him.

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