Search found 259 matches

by Frisco Kid
Sun Oct 22, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 59
Views: 3454

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Life long car guy here, the "fun" cars have always been NON daily drivers. Goal with those cars are reasonable yearly mileage and limited exposure to door dings,etc. As you know, tires and brakes will cost you big time and running up the mileage on a 911 Turbo will negatively effect the resale. Keep...
by Frisco Kid
Sat Oct 21, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 149
Views: 11267

Re: Does anyone here with net worths north of $1 mil use financial advisors?

+1 for always being DIY. Like others have mentioned, consider myself a student of investing principles and find BH very helpful. Full disclosure, the lions share of our investments are in tax advantaged accounts so tax efficiency is not a factor. If we had +$1M taxable I might answer differently tho...
by Frisco Kid
Wed Oct 18, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 97
Views: 8470

Re: how long did it take to get used to retirement

Retired 3.5 years now, transitioned immediately and seamlessly. Had a bucket list of things to do so there was a path to follow. Volunteer work plus gardening and other hobbies along with taking care of the house with shopping,laundry, etc keep me more than busy. Throughout most of my career I worke...
by Frisco Kid
Sun Oct 15, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6860

Re: What are you driving? And would you buy your current ride again?

Primary vehicle is a 2016 Toyota 4 Runner Trail Premium bought new. Would absolutely buy again. No longer commuting so gas mileage much less of an issue now.
by Frisco Kid
Fri Oct 06, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14392

Re: Bay Area Real Estate

The Bay Area has ALWAYS been expensive. We bought back in 1983 a home that was 4x our combined income. Nothing fancy, a new construction tract home in the East Bay.
by Frisco Kid
Thu Oct 05, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2885

Re: That blank stare... ?

My wife also is not at all interested trusting me to handle our investments. She wants to know we have "enough" for retirement but not the details.
by Frisco Kid
Wed Oct 04, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14392

Re: Bay Area Real Estate

I live on the Peninsula. Anecdotally, about half of the houses on my street have been sold in the past decade due to owners going into assisted living situations or dying. Prices have not decreased. The above is true for me as well with the % being closer to 75% and ALL of those people had been in t...
by Frisco Kid
Wed Oct 04, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4232

Re: Waxing my car!

Have used Griot's products for years with outstanding results. +1 on others comments that unless you enjoy doing so modern cars really don't need to be waxed. As an aside, using a high quality car cover pays off in spades for keeping the paint in top condition.
by Frisco Kid
Wed Oct 04, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2548

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

Lot's of things happening in your life right now. New job for you, wife in graduate school, kids possibly in a year. Sit back for awhile and see how all these things turn out. As others have said, your future earnings will give you many choices.Congrats on paying off your student loans, are we to as...
by Frisco Kid
Wed Sep 27, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Toyota rear-differential warranty question
Replies: 10
Views: 1122

Re: Toyota rear-differential warranty question

Tough call, warranty company holds all the cards. I do suspect as others have mentioned if your vehicle is not up to date on maintenance they quite likely will deny your claim. Fluid changes are a critical maintenance item although rear differential failures are NOT common. Good luck.........
by Frisco Kid
Tue Sep 19, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Another cut the cable thread
Replies: 14
Views: 1353

Another cut the cable thread

Interested in hearing about some BH alternatives to cable tv. We would like ability to record programs. Your thoughts and ideas please?
by Frisco Kid
Fri Sep 15, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Have X times your salary saved by age Y.
Replies: 60
Views: 6276

Re: Have X times your salary saved by age Y.

One advantage to using expenses is that you have "some" control over them. For example you can move to a location with a lower cost of living perhaps eliminating a mortgage. Sure, many will say don't retire with a mortgage to begin with but that is not an option for some. Don't buy the new car,etc.....
by Frisco Kid
Thu Sep 07, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3381

Re: Keep or let go of my car?

$175 per hour for diagnostic time is the going rate here in the Bay Area also. As denovo suggested, find an indie shop but anyway you look at it BMW parts are going to be expensive. Curious as to EXACTLY what triggered your check engine light?
by Frisco Kid
Thu Sep 07, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Replacing Old Shower handles
Replies: 21
Views: 2077

Re: Replacing Old Shower handles

Does your shower function correctly and you just don't like the look of the handles? Trying to replace them could open up a big can of worms. Any idea how old they are? Even if you could get them off which is unlikely, finding/fitting new ones could be a pain. If you were to replace the entire unit ...
by Frisco Kid
Tue Sep 05, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2918

Re: Are you a "car guy" or "car gal", how do you fund?

OP used the words "hobby car" in the original post. I am a life long car guy age 63. IMHO a hobby car is most likely a classic 20+ years old and far removed from daily commuter status. It may be driven daily but not under commute conditions. Most of us tend to buy and hold and these are second, thir...
by Frisco Kid
Fri Aug 25, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 5195

Re: Quietest tire for 2017 Honda CRV?

+1 that tire noise is largely related to type of tire. If your usage requires an off road type tire, ALL manufacturers product will be noisy. On the other hand applying a product such as DynaMat will provide noise reduction across all tire types. I am familiar with DynaMat on older hobby cars for no...
by Frisco Kid
Tue Aug 15, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8617

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: 1900

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: 82
Views: 7395

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: 569

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: 760

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: 1877

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: 5422

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: 39
Views: 3873

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: 4371

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: 2203

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: 4599

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: 12594

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: 3249

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: 31818

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: 1889

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: 1099

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: 6492

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: 143
Views: 13472

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: 143
Views: 13472

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: 1191

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: 2681

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: 7652

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: 5926

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: 3688

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: 12770

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: 6165

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: 6060

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: 4027

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: 3439

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: 4424

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: 1426

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: 2776

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: 6110

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: 6088

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...