Search found 243 matches

by Frisco Kid
Tue Aug 15, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6542

Re: Is $9000 too much for a sectional sofa ?

Quality furniture is expensive. We have bought high end pieces but always on sale and we don't have kids. We also have spent $3k to have a sofa reupholstered.
by Frisco Kid
Mon Aug 14, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should $100K for remodeling come from savings or from refinance?
Replies: 14
Views: 1766

Re: Should $100K for remodeling come from savings or from refinance?

I would begin by getting some estimates as this work might be much more expensive than you think. Also live in a similar age home and there can be many surprises along the remodeling path.... $100k doesn't buy that much. Appliances, cabinets and bathroom fixtures add up VERY quickly. Just my 2 cents...
by Frisco Kid
Mon Aug 14, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5454

Re: How useful is a home security system?

I sold security systems for many years. This has "inside job" written all over it. If your system had either a glass break and/or motion detector it would go into alarm whether the door was opened or not. Whoever did this had information about the alarm system and knowledge of the $ being there IMHO...
by Frisco Kid
Mon Aug 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Long Distance Auto Transport
Replies: 7
Views: 510

Re: Long Distance Auto Transport

Have friends that have used Reliable Auto Transport on several occasions with excellent results, typically collector cars.
by Frisco Kid
Wed Aug 09, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 696

Re: Remodel or move?

Does your current home/lot provide adequate storage, yard, garage space etc? Many times you can remodel adding rooms but depending on your lot size it may still be a compromise. For example our lot is 40' wide (5000 sq ft') drastically limiting our options from a remodel standpoint. We have a nice h...
by Frisco Kid
Wed Aug 09, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1753

Re: Metal vs Vinyl sheds

Is your 5' clearance house to fence? If so it will be difficult to move items and walk past the shed. Also have a small home and totally understand the quest for additional space. My office/man cave is in the back of the garage with the washer/dryer and hot water heater......
by Frisco Kid
Tue Aug 08, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

+1 for lthenderson's comments. I am in California and he is in Iowa, I agree with him completely.
by Frisco Kid
Tue Aug 08, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 29
Views: 2672

Re: Any veterinarians that can quickly weigh in re: estimate?

2 months ago 2 teeth extracted plus cleaning cost $1466 in VHCOL. Over the last 10 years have spent $6560 on dental care for our Persian kitty Rosie. It has gotten more expensive for sure but what you going to do? Been using this vet for 25 years, I have been told we could save money by driving 20 m...
by Frisco Kid
Tue Aug 08, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4136

Re: Deja Vu.. are there too many houses for sale?

MoonOrb, sounds like the Bay Area! 40% over asking and losing the deal almost defies logic. What area are you referring to?
by Frisco Kid
Tue Aug 08, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2065

Re: Advise on house selling

If Op's goal as stated is to incur the lowest amount of stress possible during the sell/buy process and can afford to buy before selling covering the potential costs of carrying two homes I would buy first then prep home for sale using a realtor. This will be less stressful but quite likely WAY more...
by Frisco Kid
Mon Aug 07, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Forced Early Retirement - Advice Sought
Replies: 32
Views: 4454

Re: Forced Early Retirement - Advice Sought

At 60/63 you have many years of medical insurance premiums ahead. Add your projected $500 for medical to the $650 RV payment and the $500 car payment and you have $1650 in expense. I suspect you are only considering early retirement due to your job being terminated? Put another way otherwise you wer...
by Frisco Kid
Mon Aug 07, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 124
Views: 11605

Re: Replace car battery after X years or wait till it dies?

In my experience portable jumper batteries are next to worthless. A set of jumper cables are much more reliable but certainly not nearly as user friendly. We live in a mild climate so use road service when necessary. Typically replace at 3 year intervals as preventive maintenance but issues can stil...
by Frisco Kid
Wed Aug 02, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3016

Re: Will my older self thank me?

Astute question from someone your age. Most millennials I know really have no concept of saving, you are doing quite well. The answer to your question is YES. Take advantage of all tax advantaged space available to you each year as you can't go back. Beyond that keep investing in taxable both using ...
by Frisco Kid
Wed Aug 02, 2017 7:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 29025

Re: Your USER NAME...what does it mean?

Born and raised in San Francisco and have remained a Bay Area resident my entire life age 63
by Frisco Kid
Tue Aug 01, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement savings sufficient to justify home renovations?
Replies: 17
Views: 1778

Re: Retirement savings sufficient to justify home renovations?

I suspect what you want may far exceed $40k. Cabinetry is expensive as are appliances. Have fun with your project! As others mentioned, plumbing and electrical will require updating. Kitchen remodels can get very expensive very quickly, especially if demolition uncovers any surprises.
by Frisco Kid
Sun Jul 30, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: How much is a used 30" Wolf Gourmet range worth?
Replies: 7
Views: 1034

Re: How much is a used 30" Wolf Gourmet range worth?

As sport mentioned, check your clearances and install a proper vent. Bet your wife will begin to like this stove. What you have now is a commercial grade unit with totally inadequate venting. Minimum clearances and correct capacity venting are critical here. To answer your question, depending on age...
by Frisco Kid
Fri Jul 28, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6132

Re: Can I afford it ?

Yes you can, but why take the depreciation hit? Think CPO low mileage cream puff as others have suggested. Unless you are looking at a car that initially holds its value REALLY WELL and there are a few, CPO is the way to go IMHO.............. Have fun shopping for your car.
by Frisco Kid
Fri Jul 28, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10877

Re: Another bay area housing thread..

Consider low cost mortgages are still available. As these become more expensive going forward, affordability goes down. Maybe the 1.7M house drops at that time and even so are you any better off? Can't say as my Magic 8 ball isn't working. Also, don't under estimate commute times ANYWHERE in the Bay...
by Frisco Kid
Thu Jul 27, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10877

Re: Another bay area housing thread..

I don't see where the OP has mentioned what part of the Bay Area they are looking at. Depending on the city, what you get for $1.7M varies greatly. Career wise you appear to be just starting out and doing well salary wise so far. Two potential red flags for me is what modifications would the new hom...
by Frisco Kid
Thu Jul 13, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1081

Re: Buy/Remodel or Addition?

Don't forget to take all transaction costs into consideration when comparing a remodel versus selling one house and buying another. What you save on transaction costs AND possible property tax increases could go a long way towards paying for a large part of your remodel.
by Frisco Kid
Wed Jul 12, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2441

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Not sure a vehicle that is ENGAGING to drive AND will meet your load carrying requirements exists. In my mind the engaging side calls for a performance SUV on the smaller side, probably Audi or BMW whereas the carrying capacity side calls for a 3 row large domestic or Japanese SUV. The two goals are...
by Frisco Kid
Wed Jul 12, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6865

Re: Personal loan to a family member

The only time we loaned money to a family member was to avoid their house going into foreclosure. They did get back on their feet and repay the loan although it took several years longer than what we agreed on. Asking for overdue payments was quite uncomfortable for my wife and I. In this case it so...
by Frisco Kid
Wed Jul 12, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5422

Re: $1368 for new shocks/struts on '05 Corolla?

Former professional mechanic chiming in here.While you can probably DIY this job as you say you know your way around a wrench set, suspension work at home with hand tools and no lift would be a PITA. If a job ever screamed for access to air tools and a lift this is it. Also safety first, especially ...
by Frisco Kid
Mon Jul 10, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for and finance house move up
Replies: 64
Views: 3375

Re: How to save for and finance house move up

OP,just to make sure I understand, you can sell your existing home for $400k and buy the larger house you desire for $500k... ONLY $100k more?
by Frisco Kid
Wed Jul 05, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11513

Re: Seeking advice on 1.2m house purchase

Can you tell us what city you would be buying in along with what city you work in so I can get an idea of what your commute will look like? Any work from home options? Also what city do you currently live in?
by Frisco Kid
Wed Jul 05, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5630

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

All passwords and account information is handwritten on a piece of paper stored in our safe deposit box at our local bank.
by Frisco Kid
Mon Jul 03, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5767

Re: Am I on track, or just crazy...

Since you asked, my vote is you are just crazy. Different strokes for different folks......................
by Frisco Kid
Mon Jul 03, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3824

Re: FIREcalc says I can retire. Should I ?

My wife who is 6 months older than I graciously allowed me to retire early at age 60 in 2014 while she continues to work for megacorp with excellent benefits until I am age 65 at which time we transition to Medicare. We could have covered the $ allowing her to retire early as well, however when we c...
by Frisco Kid
Fri Jun 30, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 36
Views: 3002

Re: Cat teeth cleaning costs

Yes, feline dental care can be quite expensive. Most recently $1045.03 for cleaning with xrays's, etc. Since 2007 have spent $6500 total. Don't even ask how much anymore, it is almost a joke at this point. Insurance in our case would not save any $. Cost of ownership as is the insanely priced $2 can...
by Frisco Kid
Thu Jun 29, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 3923

Re: Getting a new cooktop, gas vs electric?

Have a qualified gas installation contractor come out and look at your application. Your existing gas lines may not be able to support the additional btu's of adding a gas cooktop via an extension. Our contractor had an app on his phone to do the calcs. Your meter should have plenty of capacity, how...
by Frisco Kid
Sat Jun 24, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 13
Views: 1283

Re: Where to put a vegie garden

It might make sense to put it to the left of your garage and either install another hose bib or better yet install a drip irrigation system. Grow what ever will work with your available sunlight and temperatures.
by Frisco Kid
Wed Jun 21, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 50
Views: 2481

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

Stay the course for now as you are doing quite well. Your mortgage is 1.2 times income and that will drop shortly, many folks would love to be in that situation! Invest using BH principles watching your AA and utilize tax advantaged space.
by Frisco Kid
Tue Jun 20, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5610

Re: Alternatives to Amazon

We are only seeing the tip of the iceberg regarding delivery issues. Amazon via voice recognition future plans are to be your one stop for EVERYTHING. Can't even imagine the number of delivery vehicles needed especially now that same day delivery is available. I already have seen several delivery ve...
by Frisco Kid
Sun Jun 18, 2017 7:29 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5459

Re: Best Financial Advice from Dad (in honor of father's day)

My father also did not believe in the stock market so no investing advice provided. His two pearls of financial wisdom were 1) Save a penny for a rainy day and 2) Cash is king. He led a life right out of The Millionaire Next Door and provided well for his family. Extremely frugal and lived below his...
by Frisco Kid
Fri Jun 16, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4163

Re: Turbochargers

Have owned turbocharged cars back to the 70's and drive one today. As others have said, historically turbos have been used primarily in high performance applications meaning aimed at enthusiast owners (gearheads?) that understand their nuances and need for increased maintenance. I would not suggest ...
by Frisco Kid
Mon Jun 12, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice Urgently - Are we in over our heads?
Replies: 45
Views: 6320

Re: Need Advice Urgently - Are we in over our heads?

While you should be fine now if you are willing to watch your overall spending and make adjustments when necessary, once you have a child and add childcare expenses (unless family will provide help) your budget will change radically. Is income growth by then likely?
by Frisco Kid
Mon Jun 12, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 5042

Re: Spouse returning to work. How to keep low stress lifestyle?

As others have said, you are in a great place financially and quite content with your work environment. Additional income given your current spending patterns appears to not really be necessary. I suggest your hubby find some enjoyable volunteer opportunities and count his blessings. If he returns t...
by Frisco Kid
Sat Jun 10, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 3177

Re: Overpaid Big Time On Warranty

New cars are getting increasingly complex. Given increased electronics and # of computers for various systems within the vehicle, an extended warranty could be $ well spent. I don't think going forward we can look at extended vehicle warranty's as we did in the past. You can no longer just consider ...
by Frisco Kid
Sat Jun 10, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 3177

Re: Overpaid Big Time On Warranty

What was the total cost of the warranty?
by Frisco Kid
Wed Jun 07, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Higher salary, but lower employer 401k match...still OK?
Replies: 34
Views: 2346

Re: Higher salary, but lower employer 401k match...still OK?

Great you were able to discuss taking a position with another employer with your current one and have them match the offer. During my career as a straight commission sales professional across various industries I would have been shown the door on more than one occassion...................
by Frisco Kid
Wed Jun 07, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6609

Re: Housing is too expensive.

Keep in mind too that the costs of selling 3 houses in a HCOL area would be HUGE.....
by Frisco Kid
Sun Jun 04, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3592

Re: Book - The New Retirementality

Have found between volunteering and hobby activities calendar is quite full and there is not time to do everything. The friendships made are what is the most rewarding to me. With common interests people just open up and present their true selves with no hidden agendas. It is a great feeling to help...
by Frisco Kid
Thu Jun 01, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5831

Re: Use 2013 Audi A5 or New Honda Accord Sport

Looks like a solid deal on the Audi with reasonable mileage. If the car was maintained by the book I would roll the dice and buy it knowing you could get out of it down the road without taking a bath. Look for a good local independent shop for maintenance and repairs... Great fun ride for you with a...
by Frisco Kid
Wed May 17, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5415

Re: Can we afford a 800K house?

Equity I believe can be overrated as unless you sell or borrow against it equity has low/zero liquidity. If you sell there are significant transactional costs plus possible capital gains, if you borrow against it you have interest expense. Look at a home as a place to live and compare costs accordin...
by Frisco Kid
Wed May 17, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 4636

Re: Delay SS, but claim if market plunges

I have also considered the same strategy and in an effort to avoid paralysis by analysis have concluded you won't know until you get there. While delaying to 70 will maximize your monthly SS benefit, there are no free lunches in covering the gap years. The bulk of our retirement nest egg is in tax a...
by Frisco Kid
Fri May 12, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3934

Re: Price for brakes and rotors?

As others have suggested, search out an independent shop. Good service costs $, however dealers are typically most expensive by far.
by Frisco Kid
Tue May 09, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2755

Re: 18" vs 20" Tires

Bigger adds unsprung weight, not a good thing. Google it for more info. Roll with the 18's.
by Frisco Kid
Tue May 09, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase question
Replies: 22
Views: 2319

Re: Home purchase question

+1 for Sandi_k's comments......................
by Frisco Kid
Thu May 04, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 20176

Re: Buying a luxury car (how dumb would it be to do this?)

You can afford it, a couple of thoughts;

I also think an X5 is too small for 4 kids, a Highlander could be too?

Buy CPO and save a bunch

The deal breaker for me is cost of maintenance/repairs out of warranty on ANY BMW.
by Frisco Kid
Wed May 03, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 4843

Re: Buying first home with old hvac

This is why buying/selling real estate can be so stressful. Walk the property, make your offer and except for issues during an inspection on things you can't see, stick to it. In our area the average home is 60-90 years old, every mechanical system will have some wear. This is the norm. In many mark...