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Re: The Worst Investment You Can Make: Buying a Home

I admit that when I was buying I did more due diligence on the location and tried to ensure that I bought in an area where values weren't likely to be depressed in the near term - I also paid more attention to flood risks. In the end, though, I stuck with the same sort of housing and can't really s...
by interplanetjanet
Thu Aug 28, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15580

Re: California residents - do you have earthquake insurance?

My parents in Sacramento hadn't even realized there was an earthquake when I called them later that day. So where was the biggest earthquake I've ever experienced? I have spent about half my life in California, but it was right here in Virginia (5.8). I'm in the Sacramento area and I was for Loma P...
by interplanetjanet
Thu Aug 28, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 49
Views: 2464

Re: The Worst Investment You Can Make: Buying a Home

A more relevant comparison is of the homes one would buy or rent, and considering that these are not the same types of homes, the results are more likely to favor rent. I find this interesting. When we rented, we rented what fit our needs - 3-4 bedroom single family homes with yards (we had small c...
by interplanetjanet
Thu Aug 28, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15580

Re: California residents - do you have earthquake insurance?

Well, actually ... I'd venture most of California is at risk. The last few big earthquakes, including the Napa one, occurred along fault lines that were largely unknown to seismologists. They don't know a helluva lot more than we do. Most of *coastal* California is at risk. Most of the interior has...
by interplanetjanet
Wed Aug 27, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 49
Views: 2464

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? I do love the elephant in the room that no one brings up on this forum. Of course, we are quick to judge people for buying $50k cars. :annoyed Obviously the solution is to get them used after the initial depreciation has take...
by interplanetjanet
Wed Aug 20, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15580

Re: Is buying two SUVs a sane/good financial move?

The full report can be found here. The authors in fact consider the driver distribution issue and present data in an appendix. They find that once we adjust for the fact that older drivers tend to drive midsize cars, midsize cars are in fact even safer compared to SUVs than the chart indicates. Her...
by interplanetjanet
Mon Aug 18, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3699

Re: Any Opinions on Mirrorless Cameras?

Fuji - my personal favorite (I own an X100s). This is becoming a very close second to Sony in terms of what I recommend people. And that is because I think Sonys are a bit more user-friendly and less intimidating. But if you are a manual shooter, Fuji is much better. It is an "enthusiast"...
by interplanetjanet
Fri Aug 15, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2053

Re: The Worst Investment You Can Make: Buying a Home

Not much is new here. All real estate is local, and what makes sense in one area probably will not in others. The "ownership premium" is radically different between single-family homes in, say, Omaha and San Francisco. I rented for eleven years between periods of home ownership, and I thin...
by interplanetjanet
Fri Aug 08, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15580

Re: Kitchen Aid Folks - I need your help!

This is kind of a complicated subject. Kitchenaid used to be a brand owned by Hobart, a large commercial mixer manufacturer. Their stand mixers were just about as tough as rocks. In the '80s, Hobart sold off Kitchenaid and they were eventually acquired by Whirlpool. A number of changes crept into th...
by interplanetjanet
Sat Aug 02, 2014 5:31 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Aid Folks - I need your help!
Replies: 7
Views: 830

Re: Do I need umbrella insurance?

I am 30 years old, living at home, and driving car listed in my father's name. Have accumulated significant assets (no rent, living like a cheapskate boglehead) and recently advised in general by vanguard personal advisor to have liability insurance. Do not own home/car, car ownership done in fathe...
by interplanetjanet
Mon Jul 28, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 24
Views: 2681

Re: Android smartphone with physical keyboard

The GSM SIM card requirements rules out the following on that list. - 7. LG Mach - 2. LG Enact - 1. Motorola Photon Q 4G There is a modification to the Photon Q to use other SIM cards, but it's invasive. Also, the keyboard shares the same issue as the Droid 4's (more below). - 4. Motorola Droid 4 ....
by interplanetjanet
Wed Jul 23, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2378

Re: Android smartphone with physical keyboard

The market has demanded slim phones with touch interface. Why can't you type on a screen? Saying you absolutely cannot implies you have no fingers...... There are a multitude of aftermarket keyboards (Swype comes to mind) that makes touch typing extremely fast. Go out and test drive a few before yo...
by interplanetjanet
Wed Jul 23, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2378

Re: How much energy does water heater use when I'm not home?

A well insulated water heater loses about 1/2 to 1 degree of temperature per hour. A 50 gallon water heater with a standby loss of 0.75 degree per hour would lose 50 x 8.34 x .75 = 313.33 BTUs per hour. In 24 hours that's 7,506 btus per day. At 3.41 btus per watt, that's 2201 watts, 2.2 kwh per day...
by interplanetjanet
Fri Jul 18, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2777

Re: Knowledge gaps + anxiety = shame; gender and investing

Report the post using the "!" in the top right corner and we'll step in if necessary. See? I'm complicit, too. I've never done this. As a warning, the bar is quite high. I have tried in the past to report some fairly outrageous sexism (to my eyes) and after it was determined to be non act...
by interplanetjanet
Sat Jul 12, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5685

Re: Car insurance... do you include car rental?

1. Cost. Entreprise was quoting me ~$39/d. When they called and set up the rental through my ins. co. (and we mistakenly thought I'd still be paying), it was reduced to ~$25/day! (Of course, now that insurance is paying for it, I don't have to worry about the cost.) If you are in an accident again,...
by interplanetjanet
Fri Jul 11, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2188

Re: Cannot qualify for physician disability insurance.

One thing that almost any employed individual (up to probably about age 66) can do to provide disability protection is purchase credit disability insurance on loans. It is not cheap, BUT almost always has very minimal pre-existing condition exclusions - as long as the borrower is working 25 hours a...
by interplanetjanet
Sun Jul 06, 2014 3:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2396

Re: House maintenance cost

I think of 1% of rebuild cost as being about right. That said, expect to pay more in the year after a property is bought and possibly in the year leading up to its sale. There are almost always little things to be taken care of, and a lot of little things add up over time.
by interplanetjanet
Sat Jul 05, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: House maintenance cost
Replies: 13
Views: 1289

Mortgage "protection" insurance

I recently bought a house, and have been carpet bombed with ads from just about everyone - but what I have received more than anything are ads for mortgage "protection" insurance with no medical exam (usually covering life and disability). I can't qualify for conventional individual disabi...
by interplanetjanet
Mon Jun 30, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage "protection" insurance
Replies: 2
Views: 335

Re: Washing Machine Lint Traps/Filters

I might be about to have my first septic system. I'm interested in people's experiences too. Never thought of lint. I suppose the cotton would biodegrade, but the plastic stuff might be another story. Ideally, only toilet paper and what comes out of people should go in. You can test TP by putting i...
by interplanetjanet
Sun Jun 22, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Washing Machine Lint Traps/Filters
Replies: 24
Views: 1755

Re: Considering Paying off Home

I don't know that I would fully pay it off, but I would look into what kind of interest rate I could get for a 15-yr refi (or maybe even 5/1 ARM). If you could save 1% on interest, especially on a no-cost refi, it might be worth the trouble (the paperwork for a refi can be a pain these days, though...
by interplanetjanet
Fri Jun 20, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering Paying off Home
Replies: 17
Views: 1181

Re: Term Life Insurance

When the kids come, a 20 year term is reasonable, but that can be dealt with later. It's another issue altogether. I would be a little more cautious about planning for any insurance purchase off in the future. Health issues do develop, sometimes suddenly. I'd probably get a longer term period up fr...
by interplanetjanet
Fri Jun 20, 2014 2:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 24
Views: 2155

Re: Engagement Ring - Diamond Help

My wife and I shopped for engagement rings together. I would not have picked out the ring she did, so it was definitely for the best. I'd just like to say...I think that this is a really good idea. If you want her to appreciate the gift and smile every time she sees the ring, at least ask if she wa...
by interplanetjanet
Tue Jun 17, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4356

Re: Buying a new mattress and bedding

Other people have spoken about mattresses, I'd like to speak about bedding. First off, despite a near-universal love for higher and higher thread count cotton, I'd like to suggest that you consider linen as a bedding material. It has one downside - it will wrinkle more easily in use. However it has ...
by interplanetjanet
Mon Jun 16, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2852

Re: Child Life Insurance

NoVa Lurker wrote:If they need life insurance later in life, they will certainly be able to get it.

Sadly, some of us do develop health conditions in childhood that make us largely uninsurable. That said, I don't think a whole life policy is generally a good idea, the costs are simply too high for what you get.
by interplanetjanet
Tue Jun 10, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Life Insurance
Replies: 29
Views: 1160

Re: Uninsured / Underinsured Motorist Coverage

As has been stated before, there are many factors in play here. My own situation is that I cannot qualify (and likely could never have qualified) for individual disability insurance. I have chosen to work for an employer that offers a group policy, with its attendant drawbacks, and try to insure ag...
by interplanetjanet
Thu Jun 05, 2014 12:55 am
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1905

Re: Solar panels, are they worth it?

Seconding (thirding) other posters - find out where the power is going and do what efficiency improvements you can first. Sealing air leaks can make a huge difference in older houses, consider getting an energy audit performed including a blower door test. If a roof replacement is on the horizon, co...
by interplanetjanet
Thu Jun 05, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 5209

Re: Uninsured / Underinsured Motorist Coverage

As has been stated before, there are many factors in play here. My own situation is that I cannot qualify (and likely could never have qualified) for individual disability insurance. I have chosen to work for an employer that offers a group policy, with its attendant drawbacks, and try to insure aga...
by interplanetjanet
Wed Jun 04, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1905

Re: advice regarding hard to find HVAC freon leak

The cost of the R-22 freon was $60.00 per pound and he put in 8 pounds. That is a steep markup. Virgin R-22 is going for under $10/lb in 30lb tanks. It's worth mentioning that there are a number of R-22 alternatives that are EPA SNAP approved and while they generally require a full pumpdown, some d...
by interplanetjanet
Tue Jun 03, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2966

Re: advice regarding hard to find HVAC freon leak

The cost of the R-22 freon was $60.00 per pound and he put in 8 pounds. That is a steep markup. Virgin R-22 is going for under $10/lb in 30lb tanks. It's worth mentioning that there are a number of R-22 alternatives that are EPA SNAP approved and while they generally require a full pumpdown, some d...
by interplanetjanet
Tue Jun 03, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2966

Re: What jobs are easy to get and pay well? Unpleasant is f

"Exotic dancing". Your gender and body type can make a big difference in your marketability, though.
by interplanetjanet
Mon Jun 02, 2014 3:35 am
 
Forum: Personal Finance (Not Investing)
Topic: [short term job that's] easy to get and pays well?
Replies: 44
Views: 4965

Re: Cost to change struts in lexus

Kinda premature to recommend ball joints without doing the prerequisite tests. At a minimum, the vehicle owner needs to look at the boots for tears and / or cracks. Next check would be to lift the front of the vehicle, grab the tire at the 12 and 6 positions, and try to rock it back and forth. If i...
by interplanetjanet
Thu May 29, 2014 5:05 am
 
Forum: Personal Consumer Issues
Topic: Cost to change struts in lexus
Replies: 12
Views: 2156

Re: Septic System Replacement

That's interesting, thanks for the link. Turns out many websites say to pump regularly, yet many others still claim a properly designed and maintained system should never need pumping. It might have something to do with capacity, soil quality, user behavior, etc. All the companies we've consulted s...
by interplanetjanet
Sun May 25, 2014 4:01 am
 
Forum: Personal Consumer Issues
Topic: Septic System Replacement
Replies: 24
Views: 1499

Re: Housing affordability CA

The Bay Area is a big place with many somewhat affordable areas along the fringes. Where is it you work as that can determine which outlying areas you can look to live, i.e., commute distance/time. You can look in the Concord/Pittsburg/Antioch/Discovery Bay areas. Many newer homes and more affordab...
by interplanetjanet
Mon May 19, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 19
Views: 2085

Re: Post-Divorce Portfolio Advice

Tax Filing Status: Single (ex gets 2 kids for taxes) I know you didn't ask this, but... Do the children spend more nights with you during the year than they did with your ex, regardless of whether your ex can claim them for an exemption (usually by you signing form 8332 or having a divorce decree c...
by interplanetjanet
Fri May 16, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Portfolio Advice
Replies: 30
Views: 2252

Re: Post-Divorce Portfolio Advice

Tax Filing Status: Single (ex gets 2 kids for taxes) I know you didn't ask this, but... Do the children spend more nights with you during the year than they did with your ex, regardless of whether your ex can claim them for an exemption (usually by you signing form 8332 or having a divorce decree c...
by interplanetjanet
Fri May 16, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Portfolio Advice
Replies: 30
Views: 2252

Re: Net worth cost of getting an education

gasman wrote:Being educated has benefits other than financial.

By the same token, there are many ways to be educated. Some of the learning I have done was probably best done in a traditional college atmosphere. Some of it was not. The dividing line will probably be different for different people.
by interplanetjanet
Wed May 14, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net worth cost of getting an education [locked]
Replies: 24
Views: 1933

Re: Can you raise kids in a townhouse?

I spent my early years living in a tent in a hippie commune. As to whether I turned out ok...well, that's probably open for debate, but I don't think that time affected me negatively. The first house I lived in was around 800 square feet and I distinctly remember that I could hardly believe I was li...
by interplanetjanet
Sun May 04, 2014 5:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3411

Re: Reviewing my insurance now that I have money

Appreciate the response, medical payments seems like double-double insurance(liability and regular healthcare). It's not a lot but I'm probably going to pass on it. If I'm not at fault, the other person/insurer should have to pay for it. If I am at fault, my liability will cover it. Either way, not...
by interplanetjanet
Tue Apr 08, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reviewing my insurance now that I have money
Replies: 6
Views: 754

Re: California Taxes - Am I Missing Something?

Can anyone explain to me how someone with a 2nd quartile income (let's say $50-80K) can actually pay California real estate prices and actually save enough money to call themselves a Boglehead? It seems impossible to me. I see houses in California listed at $2 Million that would go for $200K in Ari...
by interplanetjanet
Tue Apr 08, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10773

Re: Death of co-worker

I wonder how retirement planning would change if there wasn't such a stigma attached to suicide. I think it's not as much a stigma of suicide as a mis-prediction of one's future self. At the age of 30, or 40, or 50, it's easy to say, "When I run out of money or health, whichever comes first, I...
by interplanetjanet
Tue Apr 01, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10118

Re: Expensive hobbies and possessions? (B/c you can...)

Gourmet cooking with top-quality ingredients. Food is easily my second largest expense after housing. I figure I can't eat when I'm dead, so...
by interplanetjanet
Mon Mar 31, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14164

Re: Buy Term Life Now or Wait

Get it now, kids aren't why you need life insurance, income replacement is why you need life insurance and that need is there whether or not you have children. At 32 I did a 20/30 ladder, 750K 20 year and 250K 30 year and pay roughly $45 a month. If the OPs spouse works as well, I'm not sure that I...
by interplanetjanet
Thu Mar 27, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy Term Life Now or Wait
Replies: 17
Views: 1339

Re: Premium Products That Are Worth It To You

I agree...great descriptions....you have promise for a second career in food journalism. Hah, thank you! There may be guilty pleasures that cost more than $1/gram, but I am hard-pressed to come up with other ones that are legal. Even a Ferrari, I suspect, would not cost more than $1/gram (454 gms/l...
by interplanetjanet
Sun Mar 16, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38493

Re: Premium Products That Are Worth It To You

Impressive and captivating descriptions, Janet! Thank you! As an aside, if any foodies out there do want to try a tradizionale balsamico, Fiore Olive Oils has excellent pricing and service: http://fioreoliveoils.com/collections/aceto-balsamico-tradizionale-di-modena $90 with free shipping for an Af...
by interplanetjanet
Sun Mar 16, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38493

Re: Premium Products That Are Worth It To You

Wow, Janet, that's an interesting idea....I'll have to try it. And thanks as well for the port/sherry suggestions- something I know little about. I just thought I'd add a suggestion - you could do much, much worse than to start with Taylor Fladgate's 10-year tawny. It should run about $25 for a bot...
by interplanetjanet
Sun Mar 16, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38493

Re: Premium Products That Are Worth It To You

I consume very little alcohol, but one of my favorite things to do with gelato is to chill (not freeze) a few spoonfuls of port or cream sherry style wine (my current favorites for this are the Taylor Fladgate 20-year tawny or Lustau's East India Solera - you want something sweet but not overly so,...
by interplanetjanet
Sun Mar 16, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38493

Re: Premium Products That Are Worth It To You

You can never go wrong with Graeter's. And now.... they have added Gelato, which is great. I consume very little alcohol, but one of my favorite things to do with gelato is to chill (not freeze) a few spoonfuls of port or cream sherry style wine (my current favorites for this are the Taylor Fladgat...
by interplanetjanet
Sun Mar 16, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38493

Re: LED lights currently worth it personal financewise?

If you need any of: directional light (to replace spotlights, for example) colored light frequent on-off cycles operation in cold areas operation is a very inaccessible fixture constant light over the lifespan of the lamp then I think they are basically a no-brainer at this point in time. If none of...
by interplanetjanet
Sun Mar 16, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2718

Re: Where do you order business checks from?

Awesome! I poked around a little at the costco site and somehow just completely missed that the quicken compatibility group. Yes I know someone with a membership. Thanks! No need for me to pay ONE DOLLAR or more per check from another site, huh? :D Glad to help! I know checks are a crazy anachronis...
by interplanetjanet
Sat Mar 15, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1281

Re: Where do you order business checks from?

Along those same lines, anyone happen know of inexpensive, one-per-sheet checks which work with standard laser printers and are compatible with the format/output required by Quicken? I put in "Quicken 2006 or later" on costcochecks.com and came up with these: https://www.costcochecks.com/...
by interplanetjanet
Fri Mar 14, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1281
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