Search found 101 matches

by forevernaive
Sat Jul 08, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 10964

Re: Seeking advice on 1.2m house purchase

2. Again, I don't mind waiting at all. However, I'm still curious to know why some folks here think that it's OK to time the real estate market but not for equities. Because a house purchase is necessarily one time event and carries concentrated, not diversified, risk. You can't DCA a home purchase...
by forevernaive
Thu Jul 06, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 10964

Re: Seeking advice on 1.2m house purchase

I am considering a purchase of a 1.2M house (cringing), single (ie. no safety net), and would like get your opinion on .... Anything else that I miss (especially Bay Area folks)? When I rented in a VHCOL neighborhood in CA, I lived the life of Kato Kaelin in a converted garage until I had to move. ...
by forevernaive
Thu Jul 06, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4489

Re: Better hurry if you want a gas-engine Volvo

Volvo is not selling well, especially in the US, probably due to perceived quality issues and overpricing. They are looking for a way to justify their pricing and increase performance. Their current direction of using only turbo- and super-charged 4-cylinder engines in flagship models is not good f...
by forevernaive
Mon Jul 03, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: VPN for Fun
Replies: 15
Views: 2336

Re: VPN for Fun

A simpler way to do some of what you want is to install the Opera browser. Opera has a built in SOCKS proxy (they call it a "browser" VPN) that you can activate by going to Opera-->Preferences. I now use Opera for most of my casual browsing. Opera is based on Chrome/Chromium code so it sho...
by forevernaive
Thu Jun 22, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6712

Re: Bogleheads: Please help me pick a new car

Teenage boy will be the next driver in 4 years?

Volvo. Safety.

Either the S60 sedan or the XC60 SUV might fit the ticket. With AWD, they are excellent in snow.

I think the Lexus NX is a solid choice as well. I'd stay far away from the A4 with a teenage boy driver on the horizon.
by forevernaive
Wed Jun 07, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6342

Re: Housing is too expensive.

I think the most important factor is to consider not just your job security, but whether you could (relatively) easily find another job in the area without moving. If the answer to the latter is yes, then you would just need to make sure you have an adequate emergency fund in addition to your down p...
by forevernaive
Tue Jun 06, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Please talk me out of a turnkey rental property
Replies: 76
Views: 5503

Re: Please talk me out of a turnkey rental property

I am a landlord, and amassed a considerable percentage of my wealth this way. Do not do this. Expenses will be higher than you think. Your analyses of this situation remind me of a famous PT Barnum saying... If you do want to buy rental real estate, do it locally. In the Bay Area that could mean buy...
by forevernaive
Thu May 25, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Help! Renters asking for radon mitigation--what do I need to do?
Replies: 18
Views: 1712

Re: Help! Renters asking for radon mitigation--what do I need to do?

Pay for a reputable company to do their own test and have them price an installation as well. It will help assuage the tenants fears.

In my experience heavy spring rains can cause higher radon readings for a brief period of time. That doesn't mean you shouldn't deal with it though.
by forevernaive
Thu May 25, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 12
Views: 820

Re: best for web surfing: trackpoint or touchpad?

I used a thinkpad for years for the same reason--the trackpoint. Then I switched to a Macbook Pro for various reasons--better engineered, better software, more secure, unix under the hood, etc. But my only real regret about the switch is the trackpad. I find it annoying that when the base of my thum...
by forevernaive
Tue May 23, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Tea recommendations
Replies: 10
Views: 1158

Re: Tea recommendations

There are many good online suppliers if you want looseleaf tea, which I'd recommend for quality, economy and flavor. I'd suggest: https://boulderteaco.com/ For cold-brewed iced tea I generally wouldn't bother with lighter and subtler tea varieties like white teas, even given the tastes in coffee you...
by forevernaive
Mon May 22, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2212

Re: Need advice from FF miles experts

Their real value is always what is worth to you. I calculate their dollar value by dividing the miles by the price of what (fare, etc.) I purchase at the time I make the purchase. For me, I've almost always found that the highest value uses for FF miles are: (1) Long-haul (intercontinental) flights ...
by forevernaive
Fri May 19, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 10699

Re: Question for you high net worth individuals...

Been a landlord for 30+ years. About 20% of NWorth is southern Cal residential income property. All free and clear/cash flowing now but still have times where you have to drop everything and fix something or deal with a tenant. If you have someone else manage it I don't think you will make much, if...
by forevernaive
Thu May 18, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2523

Re: Few days in Portland in July

+1. This person knows her Portland. I'd only add: (1) Eat at Pok Pok, if you like Thai. Great, authentic northern Thai cusine. (2) Eat at Nicholas Cafe if you like Middle Eastern food. (3) If you like ice cream, Salt and Straw is amazing. Go before 9:00 pm or the line will be around the block on a w...
by forevernaive
Thu May 18, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 8408

Re: Which Small SUV for 15 Year Reliability?

Past performance is not a predictor of future reliability. As others have noted, even if a 2006 WhizBang Motors Model X was super reliable, a 2009 WhizBang Motors Model X might be terrible due to a new generation of engine/transmission/etc. With a new car you cannot really know the answer to your q...
by forevernaive
Thu May 18, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 13184

Re: For those with $500k-$1m in investments...

30/70 taxable/tax-advantaged in actual liquid assets. We also have significant RSUs that will likely someday be in taxable, plus non-liquid real estate investment assets (e.g. not the primary home) that are nicely tax sheltered but still ultimately taxable. If those were included, the ratio would fl...
by forevernaive
Thu May 11, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 5080

Re: What newspaper or magazine do you pay for?

I am a member supporter of my local public radio station as I get a lot of national and state news from NPR, CPR, the BBC etc. as I drive. I pay for and read: The NYT and WaPo to support investigative journalism at the national level The High Country News for its coverage of the Intermontane West, p...
by forevernaive
Wed May 10, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Volvo XC90 vs Acura MDX vs GMC Acadia
Replies: 7
Views: 1244

Re: Volvo XC90 vs Acura MDX vs GMC Acadia

Re loaners: A couple of years ago we bought a loaner '14 XC60 with over 5K on it. It has been a great vehicle and we got a great deal due to the mileage. Insurance and taxes were also lower out the door as my state classifies anything with over 5K miles as a used vehicle. Test driving a Volvo took m...
by forevernaive
Mon Mar 20, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage PMI - Should I refi?
Replies: 7
Views: 793

Re: Mortgage PMI - Should I refi?

I agree the best thing to do is to ask the bank to drop the PMI if you can qualify via new appraisal, or for other reasons. If the bank insists a refi is the only way to do this, be sure to insist you are giving them a chance to keep your loan before shopping elsewhere for a refi. Understand the inc...
by forevernaive
Mon Nov 28, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs Buying A Home?
Replies: 35
Views: 3414

Re: Investing vs Buying A Home?

OP, you should be aware that you can withdraw from many tax-favored retirement investments for your first home down payment with no penalty. You are saving for a possible house purchase already. Other than investigating the options and possibly adjusting some of your portfolio into cash (I wouldn't ...
by forevernaive
Mon Nov 28, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Taxing Agencies Don't Know About 2014 Condo Remodel: What Now? [FLORIDA]
Replies: 8
Views: 1419

Re: Taxing Agencies Don't Know About 2014 Condo Remodel: What Now? [FLORIDA]

Taylor is correct. You need to hang onto your receipts for the renovation, and when you sell (or die) they will be added to your purchase price to increase your basis in the condo (a little oversimplified as not all "improvements" qualify but generally true). If you are selling, you pay ca...
by forevernaive
Fri Nov 11, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance in a high risk fire area
Replies: 18
Views: 1585

Re: Homeowners Insurance in a high risk fire area

Chubb has been the only option here in CO, other than Lloyds of London. I sympathize.
by forevernaive
Mon Oct 24, 2016 12:03 am
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 72
Views: 6864

Re: Putting in a Word About Tea - brands, types, etc.

For looseleaf tea brewing I can recommend this travel mug gizmo.

https://www.amazon.com/dp/B00V68BMNE/
by forevernaive
Fri Sep 16, 2016 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Investing non profit reserve fund
Replies: 4
Views: 419

Re: Investing non profit reserve fund

bump. Thanks to Valuethinker, but I still could use some more advice.
by forevernaive
Tue Sep 13, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Investing non profit reserve fund
Replies: 4
Views: 419

Investing non profit reserve fund

Recently a non-profit board I sit on was wrestling with the problem of the interest on the their reserve fund savings accounts not keeping up with inflation. The amounts involved are small but stable: under 200K for a small ($2.5M) non-profit that hasn't drawn down its reserve fund in eight or nine ...
by forevernaive
Tue Aug 30, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 97
Views: 27283

Re: Is Being a Private Banking Client Worth it?

A million dollars (or a few) is not real private banking anymore. Exactly. Private banking service today is just a loss leader for the big boys. The big banks want to get or keep your company or institutional business, or get their hooks into a potentially successful entrepreneur who might have a $...
by forevernaive
Tue Aug 30, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 25710

Re: $50M+ - Need a sounding board/advice

I had a recent large exit from a company and walked away with around $70M after taxes. We've set up a charitable fund and seeded it with a large portion, set up an angel fund (play money that I don't factor into the total portfolio) and are considering a couple of real estate purchases. We've got a...
by forevernaive
Mon Aug 29, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 6570

Re: Buying house near church

When I met her, my wife owned a house in an urban part of a fairly non-religious state that adjoined a church parking lot just as the neighborhood went to mixed use from residential. The church people weren't bad neighbors. There weren't many of them left and at first it was nice we could use their ...
by forevernaive
Thu Aug 25, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: Should contractors working on my house be licensed? have insurance?
Replies: 22
Views: 2202

Re: Should contractors working on my house be licensed? have insurance?

Also be careful that they don't supply you with proof of insurance that has already expired. I once had a roofer try to pull that one.
by forevernaive
Sat Aug 20, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Has a SUV helped anyone's back?
Replies: 22
Views: 1846

Re: Has a SUV helped anyone's back?

Within small SUVs I'd suggest looking at the Volvo xc60. Volvo's seats are fantastic, and my wife literally bought one because of the seat comfort. In general, back pain from driving means you likely should sit more upright and less like a frog with your legs out in front of you. Taller vehicles all...
by forevernaive
Sat Jul 23, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 19266

Re: How many folks choose to give inheritance to their children in unequal portions?

A friend of mine, who is nearing the end of his life, asked me for some information about inheritance. He has three children, and he is contemplating splitting his inheritance in unequal portions. He is wondering how common it is. Situation - he has three children, all who are healthy and gainfully...
by forevernaive
Sat Jul 23, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Rental Property
Replies: 22
Views: 1896

Re: Potential Rental Property

All, I have been looking into purchasing a rental property for almost a year now. I know the area where I want to purchase and a condo has just popped on the market where I wanted. Now that I'm thinking of making an offer I want to verify this is a good decision - or, at least, not a bad decision. ...
by forevernaive
Tue Jun 21, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Rear-ended by txt-er w/ minor damage. File Claim?
Replies: 49
Views: 3552

Re: Rear-ended by txt-er w/ minor damage. File Claim?

I think this is about preserving the value of a newer car. On a car that new, I'd go for insurance and make sure the work was done correctly.

When the nice old lady delivering for a charity put a minor dent in my 20 year-old and already much dented truck, I said to forget about it.
by forevernaive
Tue Jun 07, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 5378

Re: Move to Denver (Job) or stay in NoVA ?

Your kid won an educational lottery ticket in VA. But he can get a darn good education at a Colorado high school, and if you pay for it either with private school tuition or by buying a home near one of the better high schools, the education might be not much different in quality. And he even could ...
by forevernaive
Tue Jun 07, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: House appraisal came in low but high enough for refi -- is it a big deal?
Replies: 10
Views: 866

Re: House appraisal came in low but high enough for refi -- is it a big deal?

I once had the same situation with a refi, and the culprit was the measurement of square footage--my house apparently shrank substantially. But the value was over what was needed for the LTV, so the bank didn't care and I didn't either. The side benefit of a low appraisal is that (in my state) you c...
by forevernaive
Mon May 30, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 4088

Re: Separate data partition on dual-boot system?

Of course we don't know the level of security the OP wants. Given that this is Bogleheads and not a computer security forum, I am just guessing just a way to compartmentalize browsing and other internet "experimental" usage is the goal. I haven't had my coffee yet so I haven't absorbed to...
by forevernaive
Mon May 30, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 4088

Re: Separate data partition on dual-boot system?

I have demonstrated this by releasing the IP address. It is easy enough to create a batch file that releases (or renews) the host's IP address. But, is there another mechanism? Wouldn't it be easy enough for some type of malware (or legitimate software) to renew the IP address? In theory: Yes. At s...
by forevernaive
Mon May 30, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 4088

Re: Separate data partition on dual-boot system?

Azurekep, (1) You may have already gleaned this, but you can disable the ethernet (wireless and/or wired) in the host machine OS (e.g. Windows or Mac OS X) but still keep the Virtual Machine (e.g. Linux) ethernet running. The key with VirtualBox is to install the network adapted in Bridged mode, whi...
by forevernaive
Sun May 29, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 2592

Re: Is there such thing as easy load front load washer/dryer?

We have a front load washer/dryer. Frankly with my wife's bad back it would be nice if the tub and drum were angled and the doors placed slightly higher, so you're not bending over so much. At one point, I thought I saw such a thing from some manufacturer. Never was able to find it. Has anyone seen...
by forevernaive
Sun May 29, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: House - to buy or not
Replies: 63
Views: 5466

Re: House - to buy or not

I think there are three good reasons to consider buying a house as opposed to renting one not yet covered in this thread: 1) As a hedge against rising rents. Where I live (admittedly a booming HCOL tech area) rents have risen over the years well beyond the point where buying a home has made me look ...
by forevernaive
Sun May 22, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 8453

Re: Complete Car Noob- Help Making First Vehicle Purchase

Wow thanks everyone for all the responses and input! I did decide to fix the Accord. It came out to $1500. However, I am still going to be looking to buy a new car in the coming months. I figure that fixing the car will buy me time to do research plus increase its trade-in value. I am pretty set on...
by forevernaive
Sun May 22, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 9641

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

I'd like to suggest an alternate plan which might result in less brain damage from multiple moves while living through construction hell. Is your lot exceptional? If not, why not live in your current home and work with a builder in your neighborhood to build a new home on a different lot in your nei...
by forevernaive
Sun May 15, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 8453

Re: Complete Car Noob- Help Making First Vehicle Purchase

That's not something exclusive to "new" cars. I have a 2006 Lexus GS300 and it has to have the tire pressure monitor programmed when new sensors are installed or a new set of tires is added. TPMS became mandatory for all new cars sold after Sept 1, 2007. I used "newer" in refere...
by forevernaive
Sat May 14, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 8453

Re: Complete Car Noob- Help Making First Vehicle Purchase

While newer cars have more safety features, they also have more $$$ gotchas. For example, if you plan to put snow tires on for the winter months, you now have to pay someone to reprogram the tire pressure sensor in addition to swapping the tires onto the rims. Depending on the manufacturer, you have...
by forevernaive
Fri May 13, 2016 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Advice on analyzing job offer when leaving stock behind?
Replies: 6
Views: 707

Re: Advice on analyzing job offer when leaving stock behind?

I don't think this is complicated. Take the new job offer. It's more guaranteed money, more job flexibility in when and where you work, and it will make you happier. Put some of the money into diversified stock funds rather than betting heavily on your current company. Yes, if the roulette wheel lan...
by forevernaive
Fri May 13, 2016 5:18 am
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 1054

Re: Lawncare - Chigger control

Diatomaceous earth. Natural, not a chemical insecticide, but very effective. Safe for humans and pets to tread on, but shreds bug exoskeletons. Available in most every garden and hardware store. Drawbacks include that it is ineffective if used when lawns are wet or before rain, but that's true of ma...
by forevernaive
Tue May 03, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 6905

Re: Best drill/driver for home use

I've been researching and looking around for the past couple months and finally pulled the trigger last night. Home Depot just got this new Dewalt combo in. Both the drill and impact driver are brushless, so for the price this combo is a really good deal. I had it narrowed down between Rigid and De...
by forevernaive
Tue May 03, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 6905

Re: Best drill/driver for home use

I've been researching and looking around for the past couple months and finally pulled the trigger last night. Home Depot just got this new Dewalt combo in. Both the drill and impact driver are brushless, so for the price this combo is a really good deal. I had it narrowed down between Rigid and De...
by forevernaive
Tue May 03, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 6905

Re: Best drill/driver for home use

Beware of Big Box "deals" -- You get what you pay for! Lots of the special "sale" kits on cordless drill/driver sets are inferior versions of the real tools. You need to read the specs carefully to discover how. Typically these models either short you with a lower capacity (mah) ...
by forevernaive
Sun Mar 27, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 10226

Re: Large Inheritance...Do I need to worry about retirement?

OP needs to think about the following 2 items instead of worrying about whether he/she need to save for retirement. A) Tax consequence of selling the stocks. If the tax take away 50+% of the money, he will left with half. B) Diversification. Both (A) and (B) are related. In order to diversify, he n...
by forevernaive
Sun Mar 27, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica
Replies: 17
Views: 2247

Re: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica

Has anyone made the drive from San Jose, Costa Rica to the province of Guanacaste, Cosa Rica? The wife and I are looking to make a trip there in June, and it appears the drive is doable. Other than the obvious tips of drive during daylight hours, be able to speak a little Spanish, don't speed, and ...

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