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Re: Buying a home with aluminum wiring?

You will need both a decent price reduction, and the patience to oversee a whole-house rewiring, including the time to properly snake wires behind walls, and all the fixtures redone. Period. Given the home's age, I'd probably also have them do a brand new interior breaker panel, including some 220 v...
by DualIncomeNoDebt
Wed Aug 20, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 66
Views: 3499

Re: Retirement luxury vehicle

Get the Merc E over the Lexus. The Merc's interior and much of the tech was superior to the Lexus. The Lexus feels like a Toyota Camry with some wood paneling and leather seats thrown in. The E flows much better. Also, we own an E350, it's been great and worth it, we plan to keep it until the wheels...
by DualIncomeNoDebt
Wed Aug 13, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Auto insurance question. Should I max out liability lim

What you should do, is get a quote if you max out coverage. When we inquired about maxing coverage on a newish car, our rate actually went down with maxed-out coverage, at least with 21st Century. The rep explained to us this is not necessarily uncommon given their underwriting ratios and algorithms...
by DualIncomeNoDebt
Thu Aug 07, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance question. Should I max out liability limits?
Replies: 8
Views: 732

Re: Boat loans

I know you asked specifically about loans, but please listen to those who are telling you renting > owning. It makes zero sense to borrow to buy a boat. Rent one when you want to go out. And save an enormous sum the remainder of time when you aren't spending it on insurance, maintenance, depreciatio...
by DualIncomeNoDebt
Sat Aug 02, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1584

Re: Tell me why I shouldn't buy individual muni bonds

I agree with you about the bid/ask issue. If I did buy some individual bonds, I'd buy them when they're offered and hold them to maturity. Assuming efficient markets, wouldn't the price of the bonds and their interest rates reflect all of the hidden gotchas? Beyond the most rudimentary basics, woul...
by DualIncomeNoDebt
Tue Jul 29, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 32
Views: 2356

Re: Buying a car- 2011 Lexus IS 250 9k miles

If you like the IS 250, I would buy it, with the proviso you want to get many years of use out of it. Keep in mind there will be many more electric and hybrid vehicles coming on the market the next few years. In addition, self-driving technology is rapidly improving, there are models available now s...
by DualIncomeNoDebt
Thu Jul 24, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2076

Re: If Argentina Defaults

Can anyone explain why Argentina is unable to simply bypass Wall Street and just announce that the regular bond payments will be made through the national bank in Argentina under the terms that were previously agreed to and the hedge funds that pressed for full payment rather than the haircut every...
by DualIncomeNoDebt
Wed Jul 23, 2014 2:27 am
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 2036

Re: Advice please - Mom getting railroaded by SSA

She starting drawing SS benefits starting around Jan-Feb of 2011. July of 2011 she got another job at a much lower wage than she was used to. At some point (not sure when) she contacted SS and tried to stop SS benefits because she knew of the wage limits while also drawing SS. Someone at SSA must h...
by DualIncomeNoDebt
Mon Jul 21, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice please - Mom getting railroaded by SSA
Replies: 8
Views: 1519

Re: A question for the Bogleladies or those who can consult

Following on with the comfort theme, another possibility is to get a bra fitting at a specialty shop that is highly regarded for the comfort of its fittings. I've heard rave reviews from women of all sizes, but particularly from women whose bosoms are generously proportioned. This is exactly the wa...
by DualIncomeNoDebt
Tue Jul 15, 2014 5:17 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5820

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

I am thinking of paying off auto loan and getting verbal agreement with friend to pay me back like a loan... At least it will save my credit! Is my credit still at risk if he files bankruptcy after the auto loan is paid off? Slow down. Way down. You are making all types of plans and contingencies, ...
by DualIncomeNoDebt
Mon Jul 14, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7751

Re: High end purses

I respond only because we went through this recently. Respectfully, $300+ isn't "high end." High end designer brands like Prada, LV, Bottega Veneta, Hermes, and even Fendi are going to be around the $1500-$2000 mark for entry models, and you'll likely pay more for what you want. Worse, LV ...
by DualIncomeNoDebt
Sat Jul 12, 2014 3:01 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12488

Re: Urban garden bed--ideas to deter dog owners

Dog owners and dog walkers are worse than ever. I regularly exercise in the neighborhood. There is dogcrap everywhere: on public grassy areas; in flower beds; grass partitions between sidewalk and road are loaded with piles; even sidewalks are littered with dog fecal matter. And this is one of the h...
by DualIncomeNoDebt
Thu Jul 10, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4078

Re: Advice for how to fund my wedding

lululu wrote:Why not get married twice, once here with your family and once there with her family.


^ This.
by DualIncomeNoDebt
Tue Jul 08, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2865

Re: Buying adult child a house vs paying their rent

Financially, if mom is going to end up paying rent as needed anyway. would it make more financial sense for her to buy a home (can afford to buy for cash) so unpaid rent is just missed income vs putting $ out to rent? This one is easy. No. Do not buy the house, not now, not ever. If mom is paying r...
by DualIncomeNoDebt
Sat Jul 05, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4161

Re: Time to buy a tv or wait 2 years?

Own a Panasonic Viera Plasma 65 inch. Best TV ever, picture is amazing, including movies, sports, etc. This TV has been cancelled which is a real shame; the TV is so good it is now selling for $1750 more on Amazon than I paid for it two years ago, which is very surprising to me. Most LCD televisions...
by DualIncomeNoDebt
Thu Jul 03, 2014 3:28 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5870

Re: Paperless Statements (bank checking acct)

Paper is dead. It was dead ten years ago when both the IRS and the SEC required corporations over a fairly small size to electronically file their returns and their quarterly/annual disclosures. No paper allowed. Been dead even longer in the federal courts; since the mid-90s chambers have been able ...
by DualIncomeNoDebt
Thu Jun 26, 2014 4:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3118

Re: Am I Nuts?

Am I Nuts?


Yes.
by DualIncomeNoDebt
Thu Jun 26, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2759

Re: Value of VIN Etch Coding for New Car

It is a good idea. But you can either do it yourself, or have it done aftermarket, for much less, probably $25 or so.
by DualIncomeNoDebt
Wed Jun 25, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Value of VIN Etch Coding for New Car
Replies: 8
Views: 750

Re: Denver: Visiting and Possible Relocation

Best advice I can give: keep your wife happy. The boglehead thing to do may be to suck up the extra COL, be very thankful you're not paying divorce lawyers, and to keep her happy in SF. Best advice I can give: keep your wife happy. What a world, having to be "very thankful" for something ...
by DualIncomeNoDebt
Mon Jun 23, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Denver: Visiting and Possible Relocation
Replies: 25
Views: 1758

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

A lot of incorrect postulates in this post. If you want a car cheap, or a "classic", you take on *all the risk*. All of it. It doesn't matter who inspected it or worked on it, you get all the risk. Right now, NO ONE OWES YOU ANYTHING. You need to understand that at a deep level. No one owe...
by DualIncomeNoDebt
Tue Jun 17, 2014 5:13 am
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6521

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

Is the San Jose Porsche specialty shop licensed/authorized to perform warranty work by Porsche? If so, good, because you (i) can threaten to report the shop to Porsche, and no shop wants the warranty work gravy train disrupted by dissatisfied customers, and (ii) perhaps rope in Porsche itself, who w...
by DualIncomeNoDebt
Sun Jun 15, 2014 3:52 am
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6521

Re: Convince me to visit Italy

Yeah also I don't understand these "convince me" threads. Either do it, or don't. The topics are way too broad, the setup is forced because no one really cares if they "convince" the person to do "x," and the answers are as targeted as an open-choke shotgun.
by DualIncomeNoDebt
Sun Jun 15, 2014 3:33 am
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5487

Re: With no children, who will take care of my finances?

Vanguard has an entire trust division. The larger the AUM, the lower the fee. You and your lawyer will prepare the trust documents and directives, and Vanguard will oversee and manage the trust, and make disbursements. Such an arrangement is common, at least among those with assets.
by DualIncomeNoDebt
Sun Jun 15, 2014 3:24 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5841

Re: Selling a Rolex Watch

1. Is Ebay the best way to sell it? I also found "chrono24.com" but it's not clear that it's better than Ebay. That's one way. Watchuseek has active forums, active Rolex buyers/sellers, and many active members who buy/sell/trade Pateks, VCs, A. Lange Sohn, and those brands are way more ex...
by DualIncomeNoDebt
Fri Jun 13, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Selling a Rolex Watch
Replies: 8
Views: 1443

Re: I cannot make the jump and retire

Why don't you make a transition to part-time, or reduced hours/rotation? Couple days on, rest of the week off. Smooth the transition.
by DualIncomeNoDebt
Fri Jun 13, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8189

Re: Engagement Ring - Diamond Help

I hate diamonds. They are neither rare nor precious, a lie concocted by De Beers (and N.W. Ayer), who stockpiles massive amounts of the things, controlling global supply. Please read this seminal 1982 piece before you "invest" in a piece of carbon. http://www.theatlantic.com/magazine/archi...
by DualIncomeNoDebt
Fri Jun 13, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4342

Re: Need help with my Landlord

Start your search now. Vacate when you find a place that appreciates you.
by DualIncomeNoDebt
Fri Jun 06, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with my Landlord
Replies: 7
Views: 555

Re: How to get an iPhone cheap?

I'd get a used and unlocked iPhone 5s. It will be a good phone for years, it has HD voice (for carriers that use it, TMobile does), and Apple will provide software updates for several years, which is much, much better than Android land. Protip: buy a used Verizon version of the iPhone 5s. It is sold...
by DualIncomeNoDebt
Tue May 27, 2014 5:12 am
 
Forum: Personal Consumer Issues
Topic: How to get an iPhone cheap?
Replies: 11
Views: 1353

Re: Rent vs. buy in SoCal

No question, I would rent and invest. I want those dollars working for me in investments 24/7. This, in fact, what I do. I'm in S. Cal, have a higher income than your "future" haul, and rent a place for around $32k a year. If I were you, get those student loans paid off. They are non-disch...
by DualIncomeNoDebt
Tue May 27, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs. buy in SoCal
Replies: 8
Views: 793

Re: The in-laws are broke!

RunningRad wrote:Thus far, she has been unwilling, and her reasoning, which I support


This is your answer. Support your wife, strongly and without reservation. You, your wife, your children -- your family comes first. Stand your ground and stick to your guns.
by DualIncomeNoDebt
Sun May 25, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16462

Re: Help! Mom fell for scam--computer hacked?

No question, you need to zero out that hard drive and start with a clean install. By zeroing out, I mean ensuring all info is totally wiped, the hard drive is totally reformatted and repartitioned. Only then do you do a clean WIN 8 install. Then install your chipset and driver software. Don't just &...
by DualIncomeNoDebt
Mon May 19, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: Help! Mom fell for scam--computer hacked?
Replies: 28
Views: 3020

Re: Housing affordability CA

Why the California start-ups don't move east is a mystery. At the very least one of these start-ups should invent a cost effective matter transporter. There are probably tens of millions of 3/2 homes in the eastern/southern 80% of the country that can be had for $200,000 or less. There's quite a bi...
by DualIncomeNoDebt
Mon May 19, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 19
Views: 2084

Re: What to say to financial planners/insurance brokers

Once you become a private banking client, or part of Fidelity's private client group, expect calls from them. I hate it, but I generally am polite to them. Haven't had as many from Vanguard, but your Flagship rep will telephone once in a while, or at least to introduce themselves. I will also tell y...
by DualIncomeNoDebt
Fri Apr 25, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to financial planners/insurance brokers
Replies: 45
Views: 13193

Re: Does it make any sense to hold "cash" as an asset?

Always keep in mind, cash is a position.
by DualIncomeNoDebt
Fri Apr 25, 2014 2:08 am
 
Forum: Investing - Theory, News & General
Topic: Does it make any sense to hold "cash" as an asset?
Replies: 39
Views: 9167

Re: Binocular Recommendation Request

Search forum, several past threads on this. Also, Cannon Image Stabilizer binoculars - more than you want to spend, but they are fantastic for distance viewing.
by DualIncomeNoDebt
Sat Apr 19, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 743

Re: POLL: why carry cash?

I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. . . . I can't say that my observations have concluded this, but I just don't understand why anyone wants to stand in line longer than they need to and walk away...
by DualIncomeNoDebt
Sat Apr 19, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13620

Re: Stocks: How Bad It Can Get

These must be the "Plan B" graphs.
by DualIncomeNoDebt
Tue Apr 15, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 6003

Re: Trip to Jamaica

Jamaica. Never again.
by DualIncomeNoDebt
Mon Apr 14, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Trip to Jamaica
Replies: 9
Views: 1110

Re: Poll: Less than initial quote by car dealer for used ca

I don't see this being very useful. Your deal will be car-specific, i.e. model, year, mileage, condition. Thus it is market price for your particular model, year, mileage that is most important. Getting generalized percentage reductions across all models for all years, without any reference to milea...
by DualIncomeNoDebt
Sat Apr 12, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Less than initial quote by car dealer for used car?
Replies: 16
Views: 3827

Re: My Investment Policy Statement

Joel wrote:Since my expected retirement is 25+ years away, I'm comfortable with the low allocation to bonds. A significant market crash would recover within my timeline to retire.


Citizens of Japan would like a word with you . . . .

Image
by DualIncomeNoDebt
Sat Apr 12, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Investment Policy Statement
Replies: 13
Views: 928

Re: Making a Will (Young Couple)

Another suggestion: what state do you reside in? Check your state codes, some, if not many, will have a "statutory will" which is derived from the state's probate codes. It will be simple and bare-bones. But it also will provide for the valid assignment of assets after death, which can be ...
by DualIncomeNoDebt
Sat Apr 12, 2014 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1393

Re: Stock markets in free fall?

Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns. Better recalculate how much you are earning for you...
by DualIncomeNoDebt
Sat Apr 12, 2014 2:44 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 7298

Re: Playing Defense

What happened to all the people who were "100% equitites"? Where are the 95/5 chest thumpers? To your question OP, fixed income is the answer. Get some yield, take a little less market risk, enjoy. Also, give a gander at http://www.portfolioreviewonline.com/index.php?issue=6&article=47...
by DualIncomeNoDebt
Fri Apr 11, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Playing Defense [against possible market correction]
Replies: 36
Views: 3328

Re: How to short?

1. You need an account with margin. You may also need to request short trading, depending on broker (similar to how you request Level 2 or Level 3 derivatives trading so you can sell covered calls, for example). 2. Go to the trading page of your account, enter stock symbol. When you do with your acc...
by DualIncomeNoDebt
Fri Apr 11, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to short?
Replies: 14
Views: 1245

Re: Getting Passport without specific travel plans?

You don't need to complete that section. Don't fill it in, it's none of the government's business. Same thing for emergency contacts, phone numbers, etc. All of those are not mandatory and I leave them blank.
by DualIncomeNoDebt
Fri Apr 11, 2014 3:13 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 2368

Re: Wait for better tenant application or approve the one I

Take them. One year is standard. I'm leasing right now and if the property owner told me I need to execute a two-year term, I'd walk immediately. And that would be a mistake, as we are ideal tenants (no pets, no kids, get the place cleaned every few months, could buy the property ten times over). Po...
by DualIncomeNoDebt
Wed Apr 09, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1739

Re: Help with asset allocation post-windfall

and is this a good way to go about allocating the windfall? Not really. The "planned allocations" is a major labyrinth. Pick a simple allocation plan you are comfortable with, and stick to it. Short-term needs, cash or low tenor CD. Your time and energy would be much better spent analyzin...
by DualIncomeNoDebt
Wed Apr 09, 2014 5:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 622
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