Search found 98 matches

by chuppi
Sat Aug 12, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10722

Re: Another bay area housing thread..

Update: The house was on the market for 7 days, at which point we told people they had to have offers in. We had 12 offers. I listed my condo last year in what I thought was a hot market. There was a lot of interest but we got just one offer the Monday after listing. It was the highest in the compl...
by chuppi
Sat Aug 12, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6478

Re: How does personal wealth affect job hunting?

I am in the consulting/services line of work. I am in my current job for 11 years now. This is a 17 year old company. With my current job, I absolutely don't have any stress. I work from home a lot and there is lot of flexibility. Our customers are small to mid-size and I don't have to travel other ...
by chuppi
Sat Aug 12, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8595

Re: When does renting make sense

For me living in my own house gives me stability. My older one is joining kindergarten next week. I know my two kids will complete highschool here. I don't have to worry about moving or rent increases. I can plan everything for long term. I never viewed a house as a investment but my first condo was...
by chuppi
Sun Aug 06, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1269

Re: Question for MTB'rs. Buying a bike.

Not many people know that bikes are expensive. I think if you buy any bike and put it to good use, you won't repent it. People often buy and then realize it is not the right one. Give it some serious thought before pulling the trigger. Some bike shops do have demo bikes that you can rent before buyi...
by chuppi
Fri Aug 04, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5600

Re: Anyone else have trouble spending?

I think a lot before spending (big tickets) but luckily don't ponder over it once the money is gone. Getting ripped off (especially at the dealers) makes me anxious. I don't have much problem spending money when I see value. One way is to avoid 'save as much as you can' trap. Save as much as needed ...
by chuppi
Fri Aug 04, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1263

Re: Garage ceiling bike storage

Try a rack like the one in the link.
http://www.homedepot.com/p/Rubbermaid-F ... /100387746

I have something similar and it works well for me.
by chuppi
Thu Aug 03, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21143

Re: A poll: How much money do you need to retire?

age 41/38. Net worth without home equity 1.6mil
Want to get kids college tuition and pay off home. I want to retire or switch to part time by 56/53. I think 3million will do but I am not sure. I will reevaluate every few years.
by chuppi
Wed Aug 02, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 6859

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I know you are discussing mover with IC engines but wanted to mention the corded electric mover that I got. I got greenworks mover from amazon and it works great. I may have around 600-700sq ft of grass in two separate patches. It works fine. managing the cord is not very easy but I am fine with it....
by chuppi
Tue Aug 01, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 1879

Re: Pool Maintenance Savings

The owner was a member of the recently discontinued Pool Forum for a number of years before buying into TFP. He—and all of the early participants—learned about 'BBB' from Pool Forum / Pool Solutions. This site, minus the forum, continues to be available: http://www.poolsolutions.com/index.html It i...
by chuppi
Tue Aug 01, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 2714

Re: Any BH mountain bikers?

I love biking. I am currently planning for a 9 day cyclocamping trip around crater lake and Northern California. I usually ride mountain bikes. I used to commute before but not possible now. A few pointers - get the right fit. Competitivebike site has a fitting calculator that gives you a general id...
by chuppi
Mon Jul 31, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 26149

Re: $13 Million Goal for Early Retirement (am I crazy?)

Suppose you amass 12million and you retire at age 50. Lets say you stick to around 120K annual expense or a little more. If your portfolio grows 3% over the next 20years, you will end up with 17million at age 70. Even if you retire with 5million, you will be with almost 6million in assets after 20ye...
by chuppi
Sat Jul 29, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Rent vs sell condo with big capital gain
Replies: 17
Views: 1617

Re: Rent vs sell condo with big capital gain

I would sell and call it good. A big capital gains tax means you made big money. That's not necessarily a bad thing, IMO. As you said, we can't predict housing prices. A bird in the hand, and all that... I followed this advice. Didn't want to be a landlord. Dealing with HOA is a pain as well. I pre...
by chuppi
Sat Jul 29, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Pool maintenance - which chemicals and how much?
Replies: 7
Views: 568

Re: Pool maintenance - which chemicals and how much?

I highly recommend this site, and its associated forums. It is the bogleheads.org of swimming pool maintenance ... m I second this site. You mostly need chlorine. I had a green pool last year and went to them for help. It cleared in two weeks with their advice. There was no looking back after that.
by chuppi
Sat Jul 29, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10722

Re: Another bay area housing thread..

So to the OP, I want to point out that housing expenses will suck up everything even from a high income . Rents seem expensive at 3K per month. But property tax alone can be 2K per month once you buy a 1.7Mil house. It's not as if this is some kind of fait accompli or iron law. My mortgage for my h...
by chuppi
Sat Jul 29, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10722

Re: Another bay area housing thread..

Hi bogleheads, Have a question and would like some boglehead advice on how to value RSUs in the determination to buy a house in the bay area. About us: Trying to figure out how to buy a house in the bay area, an astronomically high COL area. Our decisions are whether to buy now what we can afford, ...
by chuppi
Sat Jul 29, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Buying a house four months before a lease has expired
Replies: 18
Views: 923

Re: Buying a house four months before a lease has expired

Lots of options for working around this issue, including delaying a closing date .... bottom line I wouldn't let the lease materially impact my purchase decisions. Best of luck. Agree. Buying a house is far too important to be affected by rental situation. I had to go through this. I lost some mone...
by chuppi
Sat Jul 29, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10722

Re: Another bay area housing thread..

Hi bogleheads, Have a question and would like some boglehead advice on how to value RSUs in the determination to buy a house in the bay area. About us: Trying to figure out how to buy a house in the bay area, an astronomically high COL area. Our decisions are whether to buy now what we can afford, ...
by chuppi
Sat Jul 29, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4215

Re: Wooden flooring in kitchen

I had installed engineered wood floor in my living room/kitchen in the condo. There was a leak from the dish washer and it damaged the wood before I realized. I installed the wood floor myself and it was of a click lock type. There is no glue, you can remove and put it back easily. I lived with the ...
by chuppi
Tue Apr 18, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 34
Views: 3868

Re: Accidental landlord turning to for sale by owner

I thought of selling my condo without using an agent. I thought that it should be easier to sell a condo because the value of the condo is comparable to units sold in the recent past. Just know that if someone is buying it from you without a realtor, they would like to save money just like you are. ...
by chuppi
Thu Mar 23, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 8899

Re: Used German Luxury vs New Japanese

I am in a similar situation and I am kind of getting both. We have a 2013 subaru outback and 2008 infiniti G35. My brother is taking my outback and I am getting 2014 mdx for 7 seats to replace it. I am looking in carmax and will pick up one very soon. Outback is manual transmission and I want to dri...
by chuppi
Sun Mar 19, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 19262

Re: Sitting on cash....Waiting for a crash

I understand OP's dilema. If you decided to wait and then the market goes up, it just feels too stupid to go back in. What if there is a market crash right after.That is even worse. More than 7/10ths of my asset is invested and I don't worry about it because I have long ways to go. I did get a windf...
by chuppi
Mon Mar 06, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 2046

Re: Sonos Wireless sound?

I have play:1 and I love it. I was so impressed that I ordered play:5. It could be just me or the piece I received. None of us at home could tell the difference between Play:5 and Play:1. I kept them in the same location in the living room, played same songs, switched randomly from one to other tryi...
by chuppi
Sun Feb 26, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2350

Re: backyard - Accessory Dwelling Unit ...

Thanks carefreeap for your comment. will follow your advice.
by chuppi
Fri Feb 24, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2350

Re: backyard - Accessory Dwelling Unit ...

I checked with the planning department and they do allow the accessory dwelling unit in the backyard. There are setback requirements but I can still build a 10x20 very well. I found a local builder online who specializes in building these kinds of units. I sent him a note and he gave me a rough esti...
by chuppi
Wed Feb 22, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 4040

Re: Utility Bills - How do ours compare?

1350sq ft - 3bed/2bath, 2 speed pool pump Electricity - around 300KWh per month ~ 600 to 700$ per year Gas - 80 to 100therms in winter. maybe 10therms in winter ~ 1000$ per year I moved from a condo where my total energy bill was 50$ a month. I am trying to make the house as energy efficient as poss...
by chuppi
Mon Feb 20, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 6191

Re: Should we purchase a $1 Million dollar home with all cash?

As some suggested, you can consider keeping the mortgage similar or slightly more than the rent obligation you have now. Any loan greater than 625K is considered jumbo loan. You will get better interest rate if you keep it below jumbo. Also see if you can get a 15 year fixed. In my case keeping the ...
by chuppi
Wed Feb 15, 2017 1:58 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 10048

Re: Appalachian Trail thru-hike in retirement?

My wife and I plan on thru hiking the Appalachian Trail the spring after we retire. (2016 or 2017)Any one else have these plans. We have been talking about this for at least 10 years now. As of right now, excluding time with family, hiking the trail is the only major thing on our bucket list. What ...
by chuppi
Wed Feb 15, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 5276

Re: New cars or Pool?

I bought a house with a pool. This is my second year. It will cost some money to maintain. I do chemical balance and cleaning myself. Lot of learning but I have figured it out now. I don't have any problem doing work around the house. There is a cost to having a pool in the backyard. I found a small...
by chuppi
Sun Jan 22, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2350

Re: backyard - Accessory Dwelling Unit ...

Make sure you check out your local land use ordinance for details on what is and isn't allowed. You may be pleasantly surprised, but it's best to do this early. Absolutely! The rules can be both surprising and complex. It could be that some very simple choice could become a mess. Neighbors of ours ...
by chuppi
Fri Jan 20, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2350

Re: backyard - Accessory Dwelling Unit ...

Thanks 123. I will discuss with an architect I know in the area.
by chuppi
Thu Jan 19, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2350

backyard - Accessory Dwelling Unit ...

I recently bought a 3 bedroom 2 bath house 1350 sqft in California bay area with a nice backyard and pool. I have two young boys and I know I will outgrow the house in a few years. I prefer to build a small living space (~200 sqft) in the backyard instead of moving from here. It will be a pool house...
by chuppi
Tue Nov 22, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 10034

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

I am excited about this. I recently bought a home and was told that Roof is not great. It may last a year or 25years was the inspection report (talk about hiring expert help). I am all for being independent. My electricity bill is around 60$ per month in winter (around 100$ in summer). Gas adds anot...
by chuppi
Mon Nov 14, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Installing Solar Panels
Replies: 27
Views: 3998

Re: Installing Solar Panels

Solar city is coming with solar roof mid 2017. There are videos out in it. It is beautiful and there is no extra reroofing work. something to consider if your roof also needs replacement soon. Edit: Hope it is okay to add the link to the page on SolarCity website. (Disclosure: I don't have any direc...
by chuppi
Sun Aug 28, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for investment advice
Replies: 4
Views: 446

Re: Looking for investment advice

Thanks for very much for your comments. My plan is based on my time spent in this forum. I feel good that I am headed in the right direction. On the mortgage, I have thought about paying off early but the interest rate is pretty low and so decided to keep it. I will calculate and make a little bit e...
by chuppi
Sun Aug 28, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for investment advice
Replies: 4
Views: 446

Looking for investment advice

Profile Age 40, 37 - two kids 4 and 2 Gross income - 280K per annum, living in california Debt - 600K mortgage - 14.5years left @ 2.75% interest His & Her Roth (Vanguard) Vanguard Total Stock Market - $24000 His 401K (Fidelity) FID Total Market IDX PR - $253,500 FID Investment GR BD - $14,750 H...
by chuppi
Thu Aug 25, 2016 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 73
Views: 7023

Re: Real Estate agents who operate on an hourly rate

It's hard to operate without an agent. As much as you hate to pay the fixed % commission, having a realtor makes it a lot easier. I recently sold my condo in a hot sellers market. It sold in a week. Before hiring my agent, A neighbor who was renting figured I was getting ready to sell. He approached...
by chuppi
Tue Aug 16, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 37
Views: 7388

Re: Best home mortgage lenders?

Check out Everbank I got mortgage in March/April 2016. I got 15year fixed @ 2.75%. I put a 30% downpayment to avoid the jumbo and took the loan for 625K instead. My closing cost was also relatively less at around 6000$. They also closed the loan in 22days. If you are in California hot market, try to...
by chuppi
Mon Jan 19, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Richest 1% - Control Half of Global Wealth
Replies: 7
Views: 1144

Richest 1% - Control Half of Global Wealth

This will be in the news a lot in the days to come. m Thanks richard for pointing out the forum policy. Rephrasing I just wanted to get comments from people on what this means. I feel that historically small number of people controlled most of the wealth. It is just that it is getting a lot of publi...
by chuppi
Tue Jan 06, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 9184

Re: Cancel Homeowner's Insurance?

I am canceling my health insurance and taking the tax penalty that i don't have to pay. Nobody needs health insurance until they need it. Way too risky in my opinion. I would go with high deductible for all insurance but never go without one. Protecting my wealth and health is my number one priority.
by chuppi
Sun Jan 04, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 41652

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Can anybody comment if TaxAct Deluxe/Ultimate can handle Schedule K-1? Cheers All I can tell you is that the forms are there and it's in the interview. No idea how well it's handled. Thanks Harry. As long as the form is there, I am fine. It is a simple form. I will use turbotax online to verify the...
by chuppi
Sun Jan 04, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 41652

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Can anybody comment if TaxAct Deluxe/Ultimate can handle Schedule K-1? I received this for the first time in 2013 and was not sure how to handle that. There wasn't enough time and I ended up going with the CPA and it put me back by 400$. I pointed out a mistake in the calculation inspire of paying t...
by chuppi
Tue Dec 09, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 1150

Book suggestion for buying primary home

I am going to buy my primary home in the next couple of years. I want to make informed decisions. I want to avoid making stupid mistakes or overseeing important things. Some examples - Don't get a house that is lower than the street level. There are chances of flooding - Having slopes in the backyar...
by chuppi
Wed Dec 03, 2014 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation for small windfall
Replies: 17
Views: 2347

Re: 529 asset allocation for small windfall

We are going to do this in two steps. My dad will gift the funds to us via a standard wire transfer to our MM account, which neither his/my country of citizenship, nor the IRS have any issues with. If you exceed $100K, you need to file form 3520, but that's all there is to it: m Thanks Krischi for ...
by chuppi
Wed Dec 03, 2014 12:12 am
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation for small windfall
Replies: 17
Views: 2347

Re: 529 asset allocation for small windfall

Greetings. My dad, who lives overseas and is not a US citizen or resident, has been investing in the stock market for our twins, with the purpose of contributing toward their college cost. To simplify matters and avoid future tax complications, he'd like to sell the stocks and transfer the funds to...
by chuppi
Tue Dec 02, 2014 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: What is your 529 plan Asset Allocation?
Replies: 47
Views: 12108

Re: What is your 529 plan Asset Allocation?

Sorry to resurrect this old post. But I think it is useful for everyone if it is all in one place. I live in California and I chose vanguard 529 account for my children almost 3 years and 6months old. I choose the vanguard age based option for simplicity. But recently found out that it jumps 25% eve...
by chuppi
Fri Nov 28, 2014 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 37
Views: 6817

Re: Am I being too conservative at 65/35?

Here is the short and sweet of our situation. Having lost some serious cash in 2008, I have slowly crept up my bond allocation in the portfolio. Our goal is to retire in 13 years off $120k income for 30 years life expectancy. You are saying that you lost serious cash in 2008. Whatever your asset al...
by chuppi
Thu Nov 27, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 4145

Re: Engineered Hardwood Floors

I installed BR-111 engineered hardwood floor in the living room and kitchen of my condo. It is click lock and does not need staples, adhesive, etc... I was able to install it on my own because of the simplicity of installation. It is 3 1/2 years old and absolutely no problem with it so far. Consider...
by chuppi
Wed Nov 26, 2014 3:42 pm
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 8901

Re: Being woken up by neighbors above me

I think living through it and moving out when you can is the best option. I think it is completely reasonable for someone to walk around at 7AM in the morning. Even if they do the same in the middle of the night, there is very little you can do about it. I live in the 3rd floor of the 4 floor condo....
by chuppi
Mon Nov 24, 2014 4:43 pm
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 8224

Re: 2015 Suburu Outback

Beware of Subaru dealers who try to get you take their 30K, 60K and 90K service packages. We're getting close to 30k and the dealer is quoting $650 for the 30K service. For example, they recommend replacing brake fluid at 30K. My 2013 outback is due for 30K in a few months and so wanted to explore ...
by chuppi
Wed Nov 19, 2014 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 12289

Re: Paid off our Mortgage this evening!

Congratulations! The debt free feeling is priceless. A lot of people will argue that investing the money instead would have fetched 7% annual returns on an average. Mortgage interest rate is only 3.5% and you are not taking advantage of the difference. 7% is not guaranteed and in the near future it ...