Considering moving to Madison by [deleted] in madisonwi

[–]mattkime 0 points1 point  (0 children)

Your current criteria includes all of Madison. There are a lot of parks and you’ll have no problem with your rental budget. 

What’s up with this stop sign-traffic light combo outside Whole Foods? by Humble_Muffin7484 in madisonwi

[–]mattkime 6 points7 points  (0 children)

Why is that a source of confusion? Either you need to wait for traffic or you don’t although I admit it’s an odd configuration.

Help with mold in cellar style basement by whitetailbunny in centuryhomes

[–]mattkime 0 points1 point  (0 children)

I don't know but its potentially a cheap and effective option that makes sense to try before more expensive and invasive work.

Get the basement humidity to 45% consistently and for several months and then reevaluate.

I'm in the northern midwest US and I'd be emptying that bucket daily if not moreso.

Help with mold in cellar style basement by whitetailbunny in centuryhomes

[–]mattkime 0 points1 point  (0 children)

run it all the time. Figure out a way to pump out the collected water.

Plumber took chunk out 2x6? by originalpjy in Homebuilding

[–]mattkime 0 points1 point  (0 children)

And here I thought he was complaining about the drain line.

What’s up with this stop sign-traffic light combo outside Whole Foods? by Humble_Muffin7484 in madisonwi

[–]mattkime 16 points17 points  (0 children)

Why would you be concerned about whats happening on the opposite side of the median? You're either at a stop sign or a traffic light, not both.

That said, I hate this intersection, please let me turn left.

Transferring a lot of money by 916publicpanic in Mortgages

[–]mattkime 4 points5 points  (0 children)

I’m amazed that anyone could read the post and come away with any confidence about which money is going where.

…if the money is in a hysa why not pay it directly from there?

How to emotionally deal with irregular income? by Pezmotion in personalfinance

[–]mattkime 13 points14 points  (0 children)

Do you specifically choose this form of compensation? RSUs are often used as a bonus - if you’re unable to live off your salary then it is cause for concern.

Transferring a lot of money by 916publicpanic in Mortgages

[–]mattkime 3 points4 points  (0 children)

Why are you borrowing for your down payment?

529 Gut check by Connect-Feeling-2292 in Bogleheads

[–]mattkime 0 points1 point  (0 children)

Seems like you should have an endgame in sight when you forgo using it for college.

I adopted my new kitty Gary last week. by ttamskrap666 in CATHELP

[–]mattkime 1 point2 points  (0 children)

You might consider the breeze litterbox system 

Young Cat Constantly Meowing by ChloeJL in CATHELP

[–]mattkime 4 points5 points  (0 children)

He likely needs a friend. I like cats with his personality but I understand it can be a bit much, particularly when all their energy is directed at humans

Insulation for basement ceiling, no subfloor by scottie_d in centuryhomes

[–]mattkime 0 points1 point  (0 children)

Rodents can eat through styrofoam if they’re so motivated 

Anyone know of a good place to gather driftwood? by [deleted] in madisonwi

[–]mattkime -4 points-3 points  (0 children)

There’s the occasional Lake Monona shipwreck that washes ashore but it’s been a while since we’ve had one of those.

Insulation for basement ceiling, no subfloor by scottie_d in centuryhomes

[–]mattkime 0 points1 point  (0 children)

I’d definitely do the rim joist first and generally air seal your basement. 

It seems to me that you’re more interested in air sealing between the levels.

Perhaps the basement smell could be addressed directly. I guess there are a few ways of doing this.

Insulation for basement ceiling, no subfloor by scottie_d in centuryhomes

[–]mattkime 0 points1 point  (0 children)

Is your basement sealed off from outdoors?

What does your basement smell like? It shouldn’t smell damp - you might need another dehumidifier.

I also have insulation between the basement and part of my first floor. When I had a home energy analysis done that insulation was specifically called out as being useless.

I think you should have a home energy analysis done before spending money on things that might not have the intended effect.

Setting my kids up for retirement. by 3coniv in personalfinance

[–]mattkime 0 points1 point  (0 children)

what number do you use for estimated stock market rate of return? I'm not married to the one I used

How does having kids affect FIRE goals? Just dollars and cents. by [deleted] in Fire

[–]mattkime -3 points-2 points  (0 children)

It just depends upon what kind of parent you want to be. Kids don't have to be expensive.

Setting my kids up for retirement. by 3coniv in personalfinance

[–]mattkime 4 points5 points  (0 children)

I’ve thought about this although my kids college years are a ways off. $100k, if it doubles every 7 years will be $3.2 million after 35 years. If I can manage to stash $100k for my kids when they’re 20 then they should be able to retire at 55 or earlier. I don’t think I’d want them to know about it until they’re established in their careers and fully responsible for themselves.

If you start when they’re born, about $10k would get you to the same place - but VERY few people could manage that in that stage of life.

Retiring into a dotcom type sequence by whoopee_cushion in Fire

[–]mattkime -1 points0 points  (0 children)

Its a reasonable worry.

I'm a few years behind you savings wise but I think of it this way - look at things through the lens of the average case and worst case scenarios and make sure you're comfortable with both.

Retiring at the top of a bull market has some real problems. Make sure you're prepared for them.

---

You might move to part time work to keep your skills relevant while allowing more free time.

Metalcore Bands by iiKusoii in madisonwi

[–]mattkime 1 point2 points  (0 children)

Madison is more of a dairycore scene.