Search found 2288 matches

by Carefreeap
Sat Jun 16, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 41
Views: 2300

Re: Drive from Phoenix to San Diego

;-) the reason I suggested Mammoth is that there's plenty of cheap/nice lodging there this time of year (vs trying to get a place "in" Yosemite). You should be able to find a nice ski condo for $150 a night or less. Plus it would require you to drive out of Yosemite on the backside, which is frankl...
by Carefreeap
Sat Jun 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 180
Views: 14804

Re: Top Shelf Liquor Overrated?

...As far as beer goes, I only drink Bud Light. All these new craft beers are just too bitter and heavy for me. *sigh* (from a committed IPA consumer...) But you'll ruin your palate! This from my local wine dealer (who also sells craft beer). And she was right. My husband kept going for hoppier and...
by Carefreeap
Fri Jun 15, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 180
Views: 14804

Re: Top Shelf Liquor Overrated?

...As far as beer goes, I only drink Bud Light. All these new craft beers are just too bitter and heavy for me. *sigh* (from a committed IPA consumer...) But you'll ruin your palate! This from my local wine dealer (who also sells craft beer). And she was right. My husband kept going for hoppier and...
by Carefreeap
Fri Jun 15, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2205

Re: House that was in trust is actually in estate

Such a common problem. Everybody that has a trust should double check their assets while they are alive and especially if they did a re-fi as banks used to always take houses out of trusts and often the title company didn't put it back in. In California there is a law called a "Heggstad petition" f...
by Carefreeap
Fri Jun 15, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Home Sellers - do you read Buyer inspection reports?
Replies: 22
Views: 1658

Re: Home Sellers - do you read Buyer inspection reports?

I have gotten my own inspection reports prior to selling, using a highly respected local person. Then I fix most of the issues on the report and disclose it to prospective buyers. They of course are free to get their own inspection, but I feel my downside risk is known. By disclosing this before of...
by Carefreeap
Fri Jun 15, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 41
Views: 2300

Re: Drive from Phoenix to San Diego

If Yosemite is indeed an option, it is far, far better to go there than Sequoia. Still a huge drive back down to San Diego. In the West, distances are vast and, worse of all, the scenery between the good parts is boring at 60-80 mph. And as mentioned a couple of times above, very hot in Summer. I'd...
by Carefreeap
Tue Jun 12, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 180
Views: 14804

Re: Top Shelf Liquor Overrated?

Thought this article about Aldi's $17.50 whisky was appropriate:
http://www.msn.com/en-us/foodanddrink/b ... li=BBnb7Kz
by Carefreeap
Mon Jun 11, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2026

Re: Pre 65 Retirees - Healthcare

2k is probably about right. We're less than that right now but fortunately other than a couple of generic meds (and what seems like an annual PT session!) we don't have much out of pocket besides the premiums. I think we're at about $725 for him (59) and about $675 for me (56). I expect those premiu...
by Carefreeap
Sat Jun 09, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill edge closing expat accounts
Replies: 10
Views: 1051

Re: Merrill edge closing expat accounts

There are 100s of threads on this topics. Expats have their accounts locked. Pretty much no US broker allows you to reside overseas and maintain an active account. Check your sources. The only way to get around this is to us a VPN and lie by using a relatives address in the US. USAA took our accoun...
by Carefreeap
Sat Jun 09, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3349

Re: Found an FSBO home for sale. How to avoid Realtor?

You might want to talk to a local RE agent to find out what the local/state laws require when a house is sold. In California, for example, the seller is required to tell you how close you are to an earthquake fault, nearby environment factors, and noises (some of which you will not hear on a weeken...
by Carefreeap
Thu Jun 07, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 61
Views: 5431

Re: Guidance About New Spouse's IRS Issues

He was a contractor for a few years just before and just after the divorce (this stopped the same year we got married). There were a number of factors: He had just gotten rid of his CPA because they increased fees (this cost us soooo much more than the little fees!!!) He was a 1099 and wasn't payin...
by Carefreeap
Wed May 30, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property To Future House?
Replies: 18
Views: 1394

Re: Rental Property To Future House?

I tend to agree with this scenario. My friend's family home just went on the market in Carmichael, listed for $649kish. Nice home, great area near the river. But it's a move-up and they generally don't make the best rental. FWIW they had it rented until Mom passed and even though Sac isn't that far...
by Carefreeap
Wed May 30, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property To Future House?
Replies: 18
Views: 1394

Re: Rental Property To Future House?

#3 variation. Move now? Cut expenses, save, etc. Sell existing home? (delete renting/landlording) j I tend to agree with this scenario. My friend's family home just went on the market in Carmichael, listed for $649kish. Nice home, great area near the river. But it's a move-up and they generally don...
by Carefreeap
Wed May 30, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property To Future House?
Replies: 18
Views: 1394

Re: Rental Property To Future House?

#3 variation. Move now? Cut expenses, save, etc. Sell existing home? (delete renting/landlording) j I tend to agree with this scenario. My friend's family home just went on the market in Carmichael, listed for $649kish. Nice home, great area near the river. But it's a move-up and they generally don...
by Carefreeap
Sun May 27, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 79
Views: 11462

Re: Retirement in Arizona - Seeking Advice

Bump for Tucson, Prescott, Sedona, Flagstaff... Most of Tucson is going to be around 2500' so summers are similar to what we experienced in Carefree, 100+ degree days starting in May through September. Night temps will be in the 80s depending on how "citified" your area is based on the Heat Island ...
by Carefreeap
Fri May 25, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

Good question... I wonder about that myself. I think it's a combination of things. In housing developments, there are units which are reserved as "affordable housing", so some live there. Some commute from really far away. Some live in areas that haven't been "gentrified". Some live in shared housi...
by Carefreeap
Wed May 23, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2255

Re: Winter Home - issues/costs?

The snowbird season in the Phoenix area lasts from September to April -- give or take. The early birds show up in September to get the good spots even though it's still hot. Of course there are areas of Arizona with less extreme weather than the Phoenix metro area. . That's interesting. Our experie...
by Carefreeap
Tue May 22, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: General question for someone with knowledge of real estate law
Replies: 8
Views: 632

Re: General question for someone with knowledge of real estate law

Thanks for the replies. To make this a little more complicated. The realtor has sent husband listing which was received today but husband is leery of signing until language added to listing that both husband and wife receive separate checks . The wife also knows the prospective buyer who is ready t...
by Carefreeap
Tue May 22, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: General question for someone with knowledge of real estate law
Replies: 8
Views: 632

Re: General question for someone with knowledge of real estate law

I suppose a listing agent can solicit offers for anything, but any buyer won't be able to acquire good title without the consent of both joint owners. Gill If one spouse is opposed to selling the property, there could be a problem when the RE agent delivers a buyer who is ready, willing, and able t...
by Carefreeap
Tue May 22, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4445

Re: Buying a Vacation Rental Property as an Investment

Thanks for the info lot of good replies. You're all right in that I/my parents likely don't need the headache or the risk. But someone out there is making money on these type of things. Well you could short the market in anticipation of the next Black Swan event. :wink: Forgive me, I'm reading Nass...
by Carefreeap
Mon May 21, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Coachella concert
Replies: 8
Views: 967

Re: Coachella concert

Reserve hotel rooms now with free cancellation. I stayed at the Best Western. Prepare to pay big $$. Have they announced dates yet (not to mention artists)? At least it's two weekends now. Since you are older skewing, pay up for the VIP tix. Take a bandana or surgical mask- the dust is horrendous. ...
by Carefreeap
Mon May 21, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4445

Re: Buying a Vacation Rental Property as an Investment

My wife and I own and rent two beachfront condos in SWFL. Much of what has been posted regarding the amount of work that goes into managing and maintaining the properties is true. The key is to do your research. Know the market in terms of what is a good value to purchase a property, but always bac...
by Carefreeap
Mon May 21, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4445

Re: Buying a Vacation Rental Property as an Investment

The bolded below is a common misconception, and intellectually dishonest. Rental properties do better in recessions. Housing is a basic need. During a recession, while SUVs/doggy day care/lattes etc. go out the window, families double down and focus on the essentials, ie. housing and food. As other...
by Carefreeap
Mon May 21, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4445

Re: Buying a Vacation Rental Property as an Investment

This is a very timely post. My daughter wants us to partner with her on buying a vacation house which she (and us) would use for occasional getaways and vacations and rent out for short term rentals. So, maybe she would rent it out for 60 or 70 days a year (probably in the summer) or whatever the m...
by Carefreeap
Sun May 20, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3513

Re: Life Changes

We have talked about doing something like this. Just caution this will either be the best thing ever for the family or very destructive. Wife needs to be 100% on board and excited about it. She is going to be stuck in a small cabin with 2 toddlers for a while and a drive to take them anywhere. Thin...
by Carefreeap
Fri May 18, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

Update! First I want to thank the Boglehead community for the support and advice. I was able to reach Rick Bishop of Bishop Appliances and he made the long haul from Mesa to Carefree. In a nutshell my appliance guy did not do the full repair correctly and failed to lock the hinges into the door prop...
by Carefreeap
Tue May 15, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: I've bought a new home, should I sell or rent my old residence?
Replies: 21
Views: 1451

Re: I've bought a new home, should I sell or rent my old residence?

They need to diversify their savings from having everything tied up in his business. Having another illiquid asset is not good diversification.

Sell.
by Carefreeap
Tue May 15, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

I'm not sure if I'm understanding the facts correctly (so please correct me if I'm mistaken) - you can get a 30 year loan at 0% but only one time? This seems strange but, if it's the case, it seems like quite the deal and I would want to take maximum advantage of it. I'd put as little down as I pos...
by Carefreeap
Tue May 15, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

I'm not sure if I'm understanding the facts correctly (so please correct me if I'm mistaken) - you can get a 30 year loan at 0% but only one time? This seems strange but, if it's the case, it seems like quite the deal and I would want to take maximum advantage of it. I'd put as little down as I pos...
by Carefreeap
Tue May 15, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 48
Views: 2821

Re: Grand Canyon or other Nat'l Park in October?

Grand Canyon is spectacular, but Death Valley is the geologists paradise. I’ll just preface by saying my wife also has a masters in Geology. And we’re both park rangers that have worked here. So, I might have a sense of where you’re coming from. ;) It can still be warm, but tolerable, probably up t...
by Carefreeap
Tue May 15, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 48
Views: 2821

Re: Grand Canyon or other Nat'l Park in October?

One thing to consider on the Rim to Rim hike is the distance and driving time for the shuttle from one Rim to the other. It's about 250 miles and takes over 5 hours, so that's a day of your time either at the beginning or the end of the hike. Real hikers can do the hike in a day, but the rest of us...
by Carefreeap
Tue May 15, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

This has crossed my mind too although the counter is that at least for now, our cash flow is very healthy renting and while that may one day eventually change, we’ll be well prepared to buy or move at that point (saving maybe 200k/year currently). Much of that annual savings is wiped out by the ann...
by Carefreeap
Tue May 15, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

OP, as others have said, you CAN afford to buy on the SF Peninsula. Perception is reality, take a look at smaller homes to get you started. Born and raised here we can say from experience that it has never been easy going back to our first home purchase in 1979. A PLUS for you is that your income i...
by Carefreeap
Tue May 15, 2018 10:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9860

Re: Yes, I'm 89 all right!

Wow! Thanks for taking the time to post.

You are a hero to so many of us by changing the investing model.

Here's to many more birthdays! :sharebeer
by Carefreeap
Mon May 14, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

LKS, any idea how these couples are handling housing? Buying small, buying overextending, renting? Rent or bought small and they kept saving cash. Yeah, that is what we're currently doing. I suppose it is a drop in the bucket and a good problem to have, but at some point, my AA becomes tilted signi...
by Carefreeap
Mon May 14, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 48
Views: 2821

Re: Grand Canyon or other Nat'l Park in October?

Rim to rim hike is a major hike. I didn't get the sense you're thinking about that. Plus you have to reserve the Phantom Ranch months in advance, and also have campsite reservations 3-4 months in advance. Plus you'll have to backpack all your camping gear if you plan to overnight anywhere but the P...
by Carefreeap
Mon May 14, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1240

Re: California folks - Will/trust still needed with POD & TOD?

I imagine there can be situations simple enough that DIY is fine. They would probably apply when you did not really care what happened at your death: no human heirs, any assets to go to a charity, let them figure it out. With a spouse there are enough complications that I would want more certainty....
by Carefreeap
Sun May 13, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1240

Re: California folks - Will/trust still needed with POD & TOD?

I imagine there can be situations simple enough that DIY is fine. They would probably apply when you did not really care what happened at your death: no human heirs, any assets to go to a charity, let them figure it out. With a spouse there are enough complications that I would want more certainty....
by Carefreeap
Sun May 13, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

We’ve apparently entered some sort of vortex where things are very different. Perhaps it’s a bubble that will pop. I don’t normally bet on such things but, when two physicians can’t afford a home in the area, something absurd is happening. I’d save money and be ready to pounce when the right opport...
by Carefreeap
Sun May 13, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 12381

Re: New(ish) attending physicians in the Bay Area: Housing

Bay Area Peninsula resident and property owner here. Have you thought about buying your parents house and having them "right-size" to a smaller house? They will want to take advantage of prop 60 (transfer of property tax base) but if they are in a big house maybe it's time make life easier for thems...
by Carefreeap
Sat May 05, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

https://www.bestbuy.com/site/frigidaire-30-built-in-double-electric-wall-oven-stainless-steel/4708131.p?skuId=4708131&ref=212&loc=1&gclid=CMGasqvd7toCFYWxZQodrKgN7w&gclsrc=ds You can pick this one up for around $1,200 on sale Thanks. Right now it's showing about $1500. We're headed to AZ this weeke...
by Carefreeap
Sat May 05, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

madbrain wrote:
Sat May 05, 2018 5:05 am
inbox788 wrote:
Thu May 03, 2018 8:34 pm
BTW, 408 area code is Phoenix.
That would be news to much of Silicon Valley.
Lol, moving from the Bay Area to the Greater Phoenix area was a challenge for this mildly dyslexic person. But I knew what he meant. :wink:
by Carefreeap
Fri May 04, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2945

Re: Rebating buyer's agent for 1st time single-family home purchase

I do realize that there is a reason the commission is the way it is and is based on certain realities of the business of realtors. On the other hand, I'm a pretty detail oriented guy, and so far I've been quite disappointed with most people I've paid to do things for me (e.g., immigration lawyer fo...
by Carefreeap
Fri May 04, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2945

Re: Rebating buyer's agent for 1st time single-family home purchase

I don't know what the "dummies" book has in it, but I can tell you from experience that the most overlooked part of buying any house is the neighborhood. Open houses and visits with agents are always during the day. Before you make an offer on any house go back without the agent and drive around th...
by Carefreeap
Fri May 04, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Second week of biking in the Balkans
Replies: 6
Views: 1020

Re: Second week of biking in the Balkans

Fabulous! About eight years ago I hiked through several of the locations you mentioned with Outward Bound International. We did take vans to get from location to location and stayed at some hiker's huts along the way. Such an amazing variety of terrain from the mountains and forests to the gorgeous ...
by Carefreeap
Fri May 04, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

I would think in a rental, a standard 30” stove might be a better choice. Tenants are hard on stuff. Ordinarily, I would agree and the simpler the better. It's a higher end home in an expensive neighborhood and we are likely to put it into service as a second home at some point. As I posted earlier...
by Carefreeap
Fri May 04, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

abuss368 wrote:
Thu May 03, 2018 9:09 pm
I was unaware that this could happen. I would question the need for a $3,000 replacement oven! Could you find a reasonable alternative for a much lower cost?
I was looking at double ovens at Lowe's today. $2500+ :(
by Carefreeap
Fri May 04, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1743

Re: Arghhh! Oven Door Fell Off Again!

You could try to fix it yourself. Seems like a common problem, but the general door hinge fix is not sufficient and you have to find the right part to change the hanger in the oven itself if you can find the right part. That's going to be the challenge. BTW, $350 seems expensive to change out a few...
by Carefreeap
Thu May 03, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 4070

Re: Need advice on $5M property sale

Raw land sales typically have a larger commission, often around 10%. They are a lot more complicated and typically take longer (often years) which is why the commission is higher. That said it sounds like you're in a hot area and probably want an experienced commercial broker, familiar with commerci...