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Re: Bitcoin knockoff

My favorite has always been dogecoin
Image
by thomasbayarea
Mon Apr 14, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin knockoff
Replies: 6
Views: 649

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

I have always been a two car guy (in addition to the wife's car). Porsche 911 is the weekend garage queen, and the Nissan Maxima or Toyota Prius have been the cheap commuters. Here are some ridiculous reasons I have used to justify this to myself.... If the Porsche breaks, there is no hurry to fix i...
by thomasbayarea
Sun Apr 06, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2512

Re: Laid off today... TODO list?

Don't forget to...

Breathe, it's not the end of the world.

Celebrate, by that I mean wine or scotch, not champagne.

The rest is all easy :sharebeer
by thomasbayarea
Wed Apr 02, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9699

Re: Buying first home in SF - gut check

My wife and I are considering purchasing our first home in San Francisco. A little bit about us: Age: Both 28 Jobs: stable Income: ~$430k with vesting RSUs. If you consider salary only then ~$230k Portfolio: $2.5M (mostly diversified index funds but a small amount of that is vested company stock th...
by thomasbayarea
Thu Mar 27, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7105

Re: New Housing Bubble and upcoming cycle peak

Clearly_Irrational wrote:most likely peak somewhere in 2015 and the stock market crash sometime in 2016
Past performance does not necessarily predict future results.
by thomasbayarea
Tue Mar 25, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6384

Re: Children: Are they worth every penny?

For me, children trump everything. They are worth MORE than every penny out there.

Unfortunately my wife's medical condition prevented us from having more than 2 kids. If you are healthy and children bring you joy - why not?
by thomasbayarea
Wed Mar 19, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4599

Re: Out the door price for new car

In California, Law AB 1215 limits dealer documentation fee to $80 . Pretty much every dealer charges that.

http://www.leginfo.ca.gov/pub/11-12/bil ... en_v94.pdf
by thomasbayarea
Tue Mar 18, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2456

Re: PenFed v. Truecar v. BJs v. Costco auto buying

They all use the same backend service: "Zag" which is owned and operated by Truecar.
by thomasbayarea
Thu Mar 06, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 16
Views: 1791

Re: 2010 Volvo V50 2.4i

Update -- Deal did not go through. Unresponsive dealer, too many add-on extra fees and ambiguous response to inspections, shipping, etc.

I guess I will keep on searching :D
by thomasbayarea
Wed Mar 05, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 612

Re: Time for a new car?

Do not buy a new car!

At 25,000 miles a year, you are going to "destroy" the car in 6-8 years. You might as well destroy a 15k Camry instead of a 40k Lexus.
by thomasbayarea
Sun Mar 02, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 26
Views: 1264

Re: 2010 Volvo V50 2.4i

I would never buy a used car sight unseen. Factor in a 1-way flight cost (assuming you'll drive back) + the time into your online purchase "value" calculation. If that's a deal breaker, then I would move on and find something closer to home. Volvos are surprisingly expensive in the Bay Ar...
by thomasbayarea
Fri Feb 28, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 612

Re: 2010 Volvo V50 2.4i

I am a long time Volvo owner. They can be very expensive to repair -- similar to other European cars like Audi, Mercedes, BMW. I have no experience with the V50, but can tell you that my S60, now 11 years old, can whack me pretty good. Nothing costs less than $400, and $1200 can happen at any time....
by thomasbayarea
Fri Feb 28, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 612

Re: 2010 Volvo V50 2.4i

Can you specify what info you are looking for? Are you worried about the car model or the buying process (buying a car unseen and shipping the car)? Otherwise you will get bogleheads posting about Subarus being the best. :D I'm worried about: - Maintenance & repair costs on a 5 year old Volvo j...
by thomasbayarea
Thu Feb 27, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 612

2010 Volvo V50 2.4i

I am buying a car for the wife, I was wondering if Bogleheads could chime in with some comments or advice. This car specifically Wife has fallen in love with Volvo's (especially the V50 wagons) so please don't recommend the Fit :D I'm going to strike a deal with the dealer and ship the car to Califo...
by thomasbayarea
Thu Feb 27, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 612

Re: Market Crash Stategies?

Am I the only one here who loves market crashes?

I buy every Friday, rain or shine, crash or pop. I love down markets - i guess I'm a cheapskate.

PS: I have 30+ years to go.
by thomasbayarea
Thu Feb 20, 2014 12:21 am
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3138

Re: Penfed 15/15 Adjustable Rate Mortgage

Unlike the 5/5 ARM, you will need to pay closing costs. This loan has a 1% origination fee on top of that. This loan also has a 6% adjustment cap. That's pretty steep, even if it is the only adjustment you'd have during the life of the loan. The initial rate isn't all that attractive, either. PenFe...
by thomasbayarea
Wed Feb 12, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 15/15 Adjustable Rate Mortgage
Replies: 7
Views: 1152

Penfed 15/15 Adjustable Rate Mortgage

Penfed now offers an interesting product: 15/15 ARM (i.e. a 30 year mortgage that resets only once midway)

https://www.penfed.org/1515-Adjustable-Rate-Mortgage/
by thomasbayarea
Wed Feb 12, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 15/15 Adjustable Rate Mortgage
Replies: 7
Views: 1152

Re: How long does it take to do your taxes?

Usually about 10 hours using TaxAct
by thomasbayarea
Mon Feb 10, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 2771

Re: PenFed 5/5 ARM at 2.875%??!!

2.75% today 2/5/2014
by thomasbayarea
Wed Feb 05, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 7964

Re: Best ways to earn side income?

Side income can be realized only if you are interested or passionate about the idea. For me it has been - - Tennis lessons: easy money, at very high pay ($65/hr at least). But note that I've been a tennis player for over 20 years Math tutor: again, relatively easy money Auto broker and used car deal...
by thomasbayarea
Sun Jan 19, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Best ways to earn side income?
Replies: 13
Views: 1970

Re: How many folks have a dog?

Desert wrote:
thomasbayarea wrote:Here is my dog -->

That is a picture of a dog quite satisfied with his/her choice of an owner. :happy

Yes, true, we do pamper her whenever possible. But kids also do torture her every now and then :D She is the sweetest, most loving, most happy, stubborn and stupid dog we have ever had!
by thomasbayarea
Fri Jan 10, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6456

Re: Any Car Enthusiasts?

Yes, I am a car guy :D
Image
by thomasbayarea
Fri Jan 10, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 2713

Re: How many folks have a dog?

Here is my dog -->
Image
by thomasbayarea
Thu Jan 09, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6456

Re: Do you invest in a taxable account?

No.

We contribute annually:
2x 401(k)s = $35,000
2x backdoor Roth IRAs = $11,000
1 HSA = $5,000
2x 529 plans = $14,400

No money left for taxable!
by thomasbayarea
Sun Jan 05, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7199

Re: The Funniest Movie Ever

"Best in show"
by thomasbayarea
Sat Jan 04, 2014 1:52 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Who is lump-summing a fund on January 2, 2014?

I always backdoor a Roth IRA in the first week of Jan.
by thomasbayarea
Mon Dec 30, 2013 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4222

Re: Should I move to California from Midwest?

One of the biggest draws to the Bay Area is the opportunity. If you get laid off, downsized, or simply get bored, there are many other places nearby to find work. Or better yet, start something of your own. Engineering PhDs are always in demand here. I doubt the Midwest offers this much opportunity.
by thomasbayarea
Fri Dec 20, 2013 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7638

Re: Paying Towards Principal On Mortgage

Not sure what you mean by "rebalance interest owed on loan", but the next months interest will be calculated based on the principal balanced owed. The total payment (principal + interest) does not change.
by thomasbayarea
Tue Dec 17, 2013 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying Towards Principal On Mortgage
Replies: 22
Views: 2423

Re: Recast Mortgage Advice

I would have told you, but I'm a Chelsea fan.
by thomasbayarea
Mon Dec 16, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recast Mortgage Advice
Replies: 7
Views: 646

Re: something to watch out for in company 401K matching

My employer offers a "True-Up" contribution once a year... so no need to spread across the year.
by thomasbayarea
Thu Dec 12, 2013 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: something to watch out for in company 401K matching
Replies: 8
Views: 782

Re: What's your definition of "drive it into the ground?"

guitarguy wrote:What's your definition of "drive it into the ground?"

238,900 miles.
.
.
.
.
.
.
.
.
.
.
.
The distance from the Earth to the Moon. :D
by thomasbayarea
Wed Dec 11, 2013 1:39 pm
 
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 3299

Re: Best new car-under $30K

Toyota Prius /thread The increased fuel economy doesn't pay for the increased price unless you drive one of those things about 300k miles. Would rather just have a non-electric model like a Fit or a Fiesta, as they can both pull close to 40 mpg and cost $6k-$8k less. The 2013 Fit gets a combined EP...
by thomasbayarea
Wed Dec 11, 2013 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4015

Re: Best new car-under $30K

Toyota Prius

/thread
by thomasbayarea
Tue Dec 10, 2013 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4015

Re: Tips for buying a $2,000 car

Look at Nissans. They don't carry the Honda and Toyota premium, but they are as reliable, if not more. An early 2000s Sentra or Altima would be a good buy.
by thomasbayarea
Tue Dec 10, 2013 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2182

Re: Beating the S&P with minimal taxes

:oops: sorry wrong comment
by thomasbayarea
Mon Dec 09, 2013 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2685

Re: Should a pay raise offer be negotiated?

The company I work for gives regular performance reviews (usually annually) and with that typically comes a pay increase, unless of course your review was not positive. Mine is always positive. My 'boss' usually offers something like a 4% increase and says this is at the high end of what the compan...
by thomasbayarea
Wed Dec 04, 2013 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should a pay raise offer be negotiated?
Replies: 20
Views: 1799

Re: Stock investing and the fear of flying

Why do so many people believe there is long-term risk in the stock market when there hasn’t been any? Because we (humans) are not wired to think long term -- either in the past or the future. Most people remember last week, last month and last year. Most people think about next week, next month and...
by thomasbayarea
Wed Dec 04, 2013 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Stock investing and the fear of flying
Replies: 57
Views: 3076

Re: Wine for daily consumption?

WOW, thank you all for the excellent suggestions. I will try out the boxed wine. I frequent Trader Joes and Costco. TJs seems to have great everyday (less than $10/bottle) wine, while Costco has excellent but higher priced wines.
by thomasbayarea
Tue Dec 03, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5166

Wine for daily consumption?

We drink about 2 bottles of wine per week, 3-4 bottles if we entertain. Can someone recommend a good & inexpensive wine for everyday consumption? We like red wines, medium to heavy body -- Cabernet Sauvignons, Merlots, Pinot Noirs, Zinfandels and lately Malbecs.
by thomasbayarea
Tue Dec 03, 2013 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5166

Re: Entry level DSLR recommendations

I was in a similar situation a few years ago. My wife and me are both casual photographers, mostly taking pics of the kids, dog etc. I wanted an entry level DSLR, and I had a few Sony points, so I picked up an Alpha-33. So far I have not ventured out of auto+ mode, more than say a dozen times. The a...
by thomasbayarea
Mon Nov 18, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Entry level DSLR recommendations
Replies: 19
Views: 1424

Re: PenFed 5/5 ARM at 2.875%??!!

2.625 today 11/15/2013
by thomasbayarea
Fri Nov 15, 2013 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 7964

Re: iBonds for tax sheltering

We have been investing in 529s for the last 6 years. No plan to use i-bonds for college. In my play -- iBonds are for retirement only. The question is: After I run out of all tax-advantaged retirement strategies, should I turn towards i-bonds, or should I invest in a simple taxable but low-turnover ...
by thomasbayarea
Thu Nov 14, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1592

Re: iBonds for tax sheltering

We fund in this order Pretax 401k Roth IRAs (backdoor) iBonds Mortgage paydown (2.625) I-Bonds count toward our bond allocation. 0.20 real with no credit and no duration risk is about the best deal going. Thank you, that seems like a good guideline. How would you rank 529 contributions for kids age...
by thomasbayarea
Wed Nov 13, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1592

iBonds for tax sheltering

Do you use iBonds as part of your tax strategy? We max out our 401(k)s -- $35k We also do a backdoor Roth every year -- $11k I bought 10k in iBonds 2 years ago but did not purchase any more due to the very low rates. Maybe I overlooked the fact that iBonds allow a good tax shelter. So my questions a...
by thomasbayarea
Wed Nov 13, 2013 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1592

Re: Do you have a warchest for a correction?

nisiprius wrote:There's no war. It's just money in the stock market, and it fluctuates.
+1 :beer
by thomasbayarea
Mon Nov 11, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 2729

Re: What are your favorite android smartphone apps?

Taboose wrote:Dairy Queen Locator
Haha, nice!
by thomasbayarea
Thu Nov 07, 2013 11:04 pm
 
Forum: Personal Consumer Issues
Topic: What are your favorite android smartphone apps?
Replies: 50
Views: 4244
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