Search found 213 matches

by Frisco Kid
Sat Jun 24, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 13
Views: 1067

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: 47
Views: 1748

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: 4938

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: 79
Views: 4821

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: 3648

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: 5927

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: 4575

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: 2750

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: 2750

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: 2108

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: 6163

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: 3355

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: 5192

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: 5010

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: 4256

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: 3268

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: 2345

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: 2193

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: 18444

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: 4191

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...
by Frisco Kid
Fri Apr 28, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: If you pay a high AMT, would you take out $1M mortgage?
Replies: 45
Views: 3868

Re: If you pay a high AMT, would you take out $1M mortgage?

I see OP posted she and hubby are on opposite ends of the spectrum regarding how to handle their finances on this transaction. That to me is a huge RED FLAG especially with 4 kids. Just my two cents. I would not move forward until they are in agreement on how to best handle this. Too much potential ...
by Frisco Kid
Fri Apr 28, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 2142

Re: Can we afford this home?

Detailed budget numbers would give us a lot more information to base our advice on. Future daycare costs PLUS medical insurance premiums (OP did not mention cost) alone will put a very large dent in your monthly income. You are both young and have time on your side, proceed cautiously.
by Frisco Kid
Thu Apr 27, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4062

Re: When does it make sense to stop paying to repair your old vehicle?

I look at this question a bit differently in the case of a non primary vehicle. The truck is worth more to you in usage than it is in $. I would fix it and continue driving it as the transactional costs of acquiring another vehicle MAY exceed the price of repairs?
by Frisco Kid
Wed Apr 26, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 3746

Re: Los Angeles house buying

VHCOL areas have ALWAYS presented affordability challenges. Our first home purchased in 1983 was at 3.6 times earnings. Our second home purchased in 1992 was at 4.2 times earnings. Equity from house #1 made the payments realistic. We are still in home two today and purchasing it would represent 6 ti...
by Frisco Kid
Tue Apr 25, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3370

Re: Would You Buy This Home? Please Tell Me Why Not?

OP,this home was used as a sales office for 10 years? This is a very unusual situation for sure, a couple of questions. What discount from new is the builder offering and how long would it take to complete? Is builder including a new home warranty?
by Frisco Kid
Fri Apr 21, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 1736

Re: CA State Tax Refund ~ 3 Month Processing Time

Snail mailed mine on 2/2, website message says they received 3/1. That is a month right there, it certainly only took a few days in the mail. Spoke to an agent a week ago who told me it is now in the final stages of processing and gave me a 24 hour recorded number to call to follow up of 1 800 338 0...
by Frisco Kid
Thu Apr 20, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 971

Re: Selling classic car via consignment

It all depends on what level of involvement in selling this car you are willing to make. If you are hands on I suggest you handle yourself. If you are looking for a "convenience" sale go for the consignment arrangement. Many times these consignment dealers have walk in showrooms where the ...
by Frisco Kid
Thu Apr 20, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to purchase this new house?
Replies: 13
Views: 1408

Re: Can we afford to purchase this new house?

OP, what does "relatively large" mean and is this home both fenced and landscaped? It appears you can afford it given your current financials. My questions to you would be how are you going to pay to furnish/decorate it and when children come how will that effect your income? We bought new...
by Frisco Kid
Wed Apr 19, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5876

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Quickly visited Op's wifes advisors website for an Insurance and Financial Services firm. Yes, they are salesman and will cost you $ in fees regardless of what investments they make for you. I would explain that to your wife, if she is more comfortable with this $ being professionally managed than t...
by Frisco Kid
Tue Apr 18, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5685

Re: Is my electric bill high?

in our part of the Bay Area rates are tiered. Last month used 337 kWh @ 20 cents (Tier 1) plus an additional 305 kWh @ 28 cents (Tier 2). Total bill $152 for electric only, we have gas for stove, hot water and heat with no AC. House is 1400 square feet with partial insulation. Earlier in the year ad...
by Frisco Kid
Sun Apr 16, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4724

Re: Is spending 15K to furnish home too much?

+1 for Gill's comments as I look around the room I am sitting in right now.....................
by Frisco Kid
Sat Apr 15, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gains on Real Estate Sale
Replies: 6
Views: 809

Capital Gains on Real Estate Sale

Trying to get an estimate on approximately what our taxes would be in the following scenario. Capital gain amount AFTER exclusion for wife and I would be $500K plus $80K taxable income. Can any of the experts within our BH community tell me our tax liability both federal and State (Ca.) Thanks in ad...
by Frisco Kid
Fri Apr 14, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: ROI for Boat Repair Project
Replies: 11
Views: 937

Re: ROI for Boat Repair Project

Would only do something like this as equity partners where a fair split of profit occurs at point of sale. Can't tell from your post if H will have any $ in the project? For me personally would need to know the quality of work H can do, cost & timeline for completion of project, the market for t...
by Frisco Kid
Thu Apr 13, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12791

Re: You can never go "home" - retirement

Back in 92 bought from my parents the house I lived in while starting high school 24 years earlier. Fast forward to today and 25 years later we are still there.
by Frisco Kid
Thu Apr 06, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1183

Calif Tax Refund Length of Time to Receive

Those of you that filed your California state tax return by mail and had a refund due, how long did it take you to receive? I mailed mine on 2/2 certified, return receipt came back almost a month later. State website says they received 3/1 and that they are taking longer than normal to process my re...
by Frisco Kid
Wed Apr 05, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5789

Re: Keurig Coffee Makers

Ditched the Keurig for a Mochamaster drip coffee maker http://www.technivorm.com The Keurigs broke pretty much yearly plus we went to the little filters to use our own coffee which became a hassle to clean as we would typically have four cups between us each morning. Mochamaster makes better coffee ...
by Frisco Kid
Wed Apr 05, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3121

Re: replace or keep car with 60k miles?

Transaction costs alone will cover future maintenance/repairs for awhile. Current Volvo as others have said is a sunk cost, I would continue to drive it being happy with a paid off car with only 60k miles. Consider the fact too that the Volvo is a much safer car....................
by Frisco Kid
Tue Apr 04, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed Gifting a car to a daughter who is moving out of state
Replies: 12
Views: 728

Re: Advice needed Gifting a car to a daughter who is moving out of state

Everything she will need to know on the California side is available here www.dmv.ca.gov/portal/dmv

Cali has some of the highest costs in the country so she could save some $ by planning accordingly.
by Frisco Kid
Tue Apr 04, 2017 9:25 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 23733

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

San Francisco born and raised..................
by Frisco Kid
Mon Apr 03, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3798

Re: Do I need new tires?

OP Ron, your low mileage and the fact that your car is garaged and out of sunlight kept your tires from getting brittle and/or crack. This of course is the exception rather than the rule. Recently went through the same situation with my 96 Corvette.
by Frisco Kid
Mon Apr 03, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: OK to Buy New House?
Replies: 9
Views: 1039

Re: OK to Buy New House?

The difficult choice here is really about when you want the benefits, now or later.. By that I mean at year 11 on your new loan, your existing loan will be paid off and you will be early 40's. That is not something many people can achieve. If you really like the new house and are OK with extending y...
by Frisco Kid
Sat Apr 01, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11094

Re: Saving 50% of salary; what does it really mean?

One must consider the many variables in salary, expenses, where you live, taxes,etc. Unless I can compare my savings rate with someone whose situation is similar these numbers IMHO have no meaning. Not everyone for example can even maximize their 401k's due to cost of living and many times these peo...
by Frisco Kid
Wed Mar 29, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Get a 0% loan just to keep credit score high?
Replies: 31
Views: 1945

Re: Get a 0% loan just to keep credit score high?

Your current credit score is well above what is needed to qualify for the best rates if needed, I wouldn't borrow as an attempt to improve your score as it really can't rise by much anyway. If you are planning to buy an item and 0% financing is offered as others have mentioned I would also take thei...
by Frisco Kid
Tue Mar 28, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4669

Re: What's your personal criteria for deciding whether or not to rent a car?

Our daily driver Toyota 4 Runner goes about 10k miles yearly. We rent when traveling 2000 miles to visit family in Oregon. In our case the rental car saves on gas as well. If location of airport was closer we would just fly, however rental cars in Oregon due to no sales tax are quite expensive.
by Frisco Kid
Sat Mar 25, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: My TrueCar buying experience
Replies: 23
Views: 4350

Re: My TrueCar buying experience

IMHO today many people choose to disengage from the negotiation process and do everything online. I remain old school with purchasing new vehicles. I do use the internet to gain pricing/availability information. I then go to the local dealer and negotiate the best deal I can. My goal is walking away...
by Frisco Kid
Fri Mar 24, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3373

Re: Honda Transmission Service

Hanksmoney, I assume you do something to prevent the car from starting?
by Frisco Kid
Fri Mar 24, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3373

Re: Honda Transmission Service

Your car is 14 years old and has a fair amount of miles although certainly not excessive mileage. +1 for drain and fill, the last four years you averaged 6500 miles a year. Check it frequently maintaining the level and checking both color and smell. As soon as it goes brown and/or smells change it, ...
by Frisco Kid
Fri Mar 24, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3324

Re: Buy a house or wait in bay area

May I ask what city you work in and where are you looking to buy?
by Frisco Kid
Fri Mar 24, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: The Sweet Spot for Yearly Car Costs
Replies: 54
Views: 4211

Re: The Sweet Spot for Yearly Car Costs

Wherever the number falls. You negotiate the best deal possible on the car you chose and purchase in your manner of choice. Many in the know will suggest to never buy a payment as there are all sorts of ways costs can be hidden.
by Frisco Kid
Fri Mar 24, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4164

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

In a state where sales tax is due, I don't understand how the dealerships financial software would allow a bill of sale to be created without adding sales tax. Something is odd here...............

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