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Re: Benefits to a larger than necessary house (as children g

My wife and I are going absolutely nuts because we're basically in permanent cleanup mode. When we finally get all the kids to bed (and asleep) for the night and we've finished cleaning up the damage from the day, we're both exhausted and plunk down in bed without hardly even communicating or conne...
by interplanetjanet
Mon Oct 20, 2014 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 3195

Re: Best solution for clouded auto headlight lens?

I'll suggest a third alternative that may or may not be useful. Check to see if an ECE/EEC headlamp was made for your vehicle. These are continental European "E-code" headlamps (so the beams point the correct direction) and in many cases they will have glass lenses that stay crystal clear ...
by interplanetjanet
Sun Oct 12, 2014 7:33 am
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2677

Re: Pizzasteve and others: my real estate question

Re: taxes. People always overestimate the tax value of deducting mortgage interest and real estate taxes. To get the MARGINAL tax advantage of home ownership vs non-ownership you have to find the difference between what you deduct as a home owner vs what you would deduct as a renter. So if you are ...
by interplanetjanet
Sat Oct 04, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to look at real estate ROI
Replies: 21
Views: 2190

Re: Health Care/ACA question about losing coverage

HoosierJim wrote:You have 60 days to elect Cobra coverage so you can be assured you are covered during this period even if a catastrophic event occurred.

It's worth mentioning that not all employers are required to offer Cobra coverage.
by interplanetjanet
Fri Oct 03, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care/ACA question about losing coverage
Replies: 19
Views: 1091

Re: Is my husband a spendthrift? Or I a tightwad?

To me the much more interesting - and important - component of all of this is emotional/psychological. I am in a situation very similar to yours. I just wanted to thank you for this. Coming from a different situation - no family assistance at all, I started working at 17 and left home shortly there...
by interplanetjanet
Thu Oct 02, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15735

Re: Is my husband a spendthrift? Or I a tightwad?

This thread is very interesting. It's been a while since I've seen such strong evidence that the feeling of being rich or poor depends completely on who you spend your time with. So true. In out case, probably not *everyone* around us, but it feels like we live amongst a significant percentage of p...
by interplanetjanet
Thu Oct 02, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15735

Re: Individual Stocks

The only individual stock I hold is my employer's, and I sell it as soon as my trading window opens. In hindsight I've given up some gains, but I would much rather have money in the hand than stress about uncompensated risk due to lack of diversity.
by interplanetjanet
Tue Sep 23, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3275

Re: We have a grocery problem... [Household budget]

Have you tried Asian supermarkets (99 Ranch, Shun Fat Market, etc)? There are some excellent ones in the south Bay Area. Produce in particular seems to be cheaper there than anywhere else except greengrocers or farm roadside stands (though it helps to haggle with those) and I've found the quality t...
by interplanetjanet
Tue Sep 23, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem... [Household budget]

Yes, same thing here, even shopping at Costco it would still be at least 2x higher than the prices posted for most of the items on the list. And 4x at a regular grocery store like a Safeway. Have you tried Asian supermarkets (99 Ranch, Shun Fat Market, etc)? There are some excellent ones in the sou...
by interplanetjanet
Tue Sep 23, 2014 5:04 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

Tomatoes lose a lot of flavor when they're refrigerated. I would refrigerate them if they're cut, but otherwise, no. I find they keep better after they're cut if they're placed cut side down onto a plate and left out at room temperature...which is about 70-80F in my house during tomato season. Seri...
by interplanetjanet
Sat Sep 20, 2014 5:13 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: What's the riskiest Bogleheadish asset?

tadamsmar wrote:What the single riskiest asset that Bogleheads advocate?

Human capital. It's the only one that virtually everyone is encouraged to hedge against its loss.
by interplanetjanet
Wed Sep 10, 2014 3:40 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7174

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Your first, absolute first step should be to increase your liability coverages. It is shockingly easy for damages to exceed your current limits in a car accident, and increasing them to, say, $100k property damage coverage and $300k/$300k liability will be fairly cheap if you have a good driving rec...
by interplanetjanet
Tue Sep 09, 2014 4:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1416

Re: How do you keep your electricity bill low?

Point of terminology - landscape professionals use "irrigation" to mean watering systems for all kinds of landscapes (whether sprinkler, drip, etc.) I have a degree in landscape architecture and learning how to design an irrigation system is one of the head-hurtiest things I've ever had t...
by interplanetjanet
Mon Sep 08, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

Is anyone allowed to irrigate anything in California right now? Central California still contains some of the most fertile farmland around, and much of it is worth irrigating even at high cost. California grows 80% of the world's almonds - that alone takes up something like 10% of the water used by...
by interplanetjanet
Sat Sep 06, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

Barring that, you have to look at what the most likely "heavy hitters" are for electricity usage, and what's the cheapest to fix. I'll add - a well pump can be a big electricity consumer, especially if you have a water leak or are irrigating a large area. I do my irrigating, showering, la...
by interplanetjanet
Sat Sep 06, 2014 1:23 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

LongerPrimer wrote:I don't use the heater function on the washer bidet seat and I do a cold water wash :moneybag

I just have to say, there are some fantastic bidet seats out there that are well under $100...mine remains one of the best gifts I gave myself.
by interplanetjanet
Fri Sep 05, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

I'm also on a plan with SCE that allows them to cycle off my AC in high use periods (they installed a box near my AC). As far as I know they have never done that. However, it saves me around $200 a year in discounts off of my bill. Wow. PG&E offered me a one time discount of $50 for putting one...
by interplanetjanet
Fri Sep 05, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

In Honolulu, highest elec rates in country- on Oahu .34 KWH- higher on neighbor islands- 34c/kW-h is high but it's not the highest rate even just comparing to plans that don't meter based on time of use. A couple years back in California, many customers hit over 40c/kW-h average - with the top marg...
by interplanetjanet
Fri Sep 05, 2014 4:32 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

We burn gas in the winter which is high efficiency condensing type. We have a heat pump but it is 30+ years old. Your problem is that your locale has decommissioned nuclear power plants. Well...maybe. I think that the real issue is that during the electricity crisis in California in 2001, legislati...
by interplanetjanet
Thu Sep 04, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

Re: How do you keep your electricity bill low?

I installed a geothermal heat pump (and programmable thermostat), and my electric bill for a 2000 sq. ft. house without any special insulation, is usually about $150/mo. in the summer. And this is in Texas, where the summers are pretty hot, and we don't have particularly low rates (about 11 cents/K...
by interplanetjanet
Wed Sep 03, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9398

When is a trust worth it for an inheritance?

Say you have a gift or guaranteed inheritance (pension plan payout, etc) coming your way. At what point does it make sense to set up a trust (for your benefit) to become the beneficiary of it, for asset protection reasons?

A broad question, I know.
by interplanetjanet
Fri Aug 29, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: When is a trust worth it for an inheritance?
Replies: 3
Views: 943

Re: which engine and transmission options to choose for Taco

It looks like you may have missed my earlier post about 4x4 pickups generally having winter-capable tires as standard equipment. We're not talking about passenger cars here... I have to disagree, stock tires on a truck do not equal tires rated for use on snow and ice. I absolutely agree. "All ...
by interplanetjanet
Fri Aug 29, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2501

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: 16447

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: 54
Views: 3266

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: 16447

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: 54
Views: 3266

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: 16447

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: 4026

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: 2137

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: 16447

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: 841

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: 35
Views: 4664

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: 2786

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: 2786

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: 2829

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: 5816

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: 2262

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: 2460

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: 1320

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: 341

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: 1929

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: 1186

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: 2207

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: 4557

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: 38
Views: 3306

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: 1179

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: 2021

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: 5503

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: 2021

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: 3284
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