Search found 355 matches

by rebellovw
Tue May 01, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3296

Re: Career change and going back to school at 40+

[Post removed by admin LadyGeek] The rest of your comment makes sense - but the first sentence is completely off base - perhaps I'm misunderstanding it. In my opinion money isn't everything. It is when you are building up for retirement - but once you are there (and your comments suggest she stay w...
by rebellovw
Tue May 01, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3296

Re: Career change and going back to school at 40+

Sorry I do not have any specific advice for you - but I'm going to change my career in the future as well. I'm 52 and will not need a high income so at least that leaves many options open. My plan is to go into the Healthcare field where I can work with others. Back to community college for a certif...
by rebellovw
Mon Apr 30, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15252

Re: How do you know when you have "won the game"?

When you are in your casket with a positive balance on your savings account.
by rebellovw
Sat Apr 28, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5023

Re: Home Theater Stereo/Speakers

You do not sound like an audiophile or HT'phile - I think you should buy locally where you can listen (take home and listen) and see if it works for your specific interests and take back if it doesn't. Not to many options- I was at Bestbuy last week and they had two nice towers that would fit your b...
by rebellovw
Sat Apr 28, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1446

Re: Bee in the house - what to do???

"Bee in the house - what to do?" - da&& :evil: thing has been going through my head as a jingle - it has now morphed into jimmy crack corn...
by rebellovw
Sat Apr 28, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5023

Re: Home Theater Stereo/Speakers

I can see not liking surround if you had a crappy setup. It really shouldn't be obvious and distracting and doesn't take a lot of money to get right. I think the problem for us was when I turn on the TV I'm not looking to be dazzled with sound, I really don't care what the newscasters sound like an...
by rebellovw
Sat Apr 28, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5023

Re: Home Theater Stereo/Speakers

I can see not liking surround if you had a crappy setup. It really shouldn't be obvious and distracting and doesn't take a lot of money to get right.
by rebellovw
Sat Apr 28, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5023

Re: Home Theater Stereo/Speakers

Like I said 2.1 with focus on best sub you could afford. Rythmik makes fantastic subs at very reasonable prices. You could pick up some bookshelf sats on Craigslist if your budget is tight and upgrade them later if you decide you are into it. The Yamaha is fine.
by rebellovw
Sat Apr 28, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5023

Re: Home Theater Stereo/Speakers

I'd go with some small satellite speakers such as def tech which are very reasonable in cost or step up to well reviewed kefs ls50

Then get a great sub like something from rythmik.

It's a 2.1 and would have a small footprint and put those sonys to shame.
by rebellovw
Sat Apr 28, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1446

Re: Bee in the house - what to do???

Be calm and talk the bee out. Try to unarm it but bee careful
by rebellovw
Sat Apr 28, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2340

Re: Lake Tahoe

Stay in Tahoe No brainer. Too much traffic otherwise and the freeways are ugly. You only have four days. If you must go somewhere else the ocean would be nice. Mendocino Gualala fort Bragg or where the birds was filmed bodega bay. I also really like fort Ross but more of a romantic place and boring ...
by rebellovw
Sat Apr 28, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3367

Re: Auto loan or dip into emergency fund?

Dump the extended warranty as they completely suck. I bought one with my wife's new 2010 beetle and when I went to use it they declined and said the issue wasn't covered. I didn't get squat from that warranty. It was a complete waste.
by rebellovw
Fri Apr 27, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from CA to Texas. What to do with my car insurance?
Replies: 10
Views: 727

Re: Moving from CA to Texas. What to do with my car insurance?

My rates went down when I left CA for AZ. I kept Allstate and worked with them to switch over. One of the great perks:
- my state tax went down - I received a refund
- insurance down
- property taxes down

Many others as well.
by rebellovw
Fri Apr 27, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3190

Re: How stressful is buying a home?

Yes - you can be happy and completely stressed at the same time - boy have I gone through that in my younger years as a father and bread winner having to fly out at a moments notice to serve some angry client. It is stressful - but usually subsides very quickly - practically once the signing is over...
by rebellovw
Fri Apr 27, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3190

Re: How stressful is buying a home?

We were house poor and did great. You sound jealous. The house is actually in a very bad shape (flipped home that need tons of additional work)! I wouldn't live in it for free! Also my net worth is 100 actually just 20 times assuming they would have some equity in the home (literally) theirs! If I ...
by rebellovw
Fri Apr 27, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3190

Re: How stressful is buying a home?

We were house poor and did great. You sound jealous.
by rebellovw
Fri Apr 27, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10195

Re: Wedding - financial burden on couple and attendees

It sounds completely awesome as you have an excuse not to go. All weddings should be like this.
by rebellovw
Fri Apr 27, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10778

Re: Amazon to raise Prime membership in US to $119 from $99

I won't need Prime even Amazon offer me it for free. I like to feel and touch my purchase rather than on the computer screen. I want to support my local B&M store not look at at store then buy on-line for couple of penny saving. My state has sales tax for Amazon purchase and I think every state sho...
by rebellovw
Fri Apr 27, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5872

Re: Learning to drive stick

I learned as a teenager in the 80's - I drove my dads Datsun pickup to San Francisco - that is the way to learn. Haha. I survived - hand break stop light.
by rebellovw
Fri Apr 27, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10778

Re: Amazon to raise Prime membership in US to $119 from $99

I won't need Prime even Amazon offer me it for free. I like to feel and touch my purchase rather than on the computer screen. I want to support my local B&M store not look at at store then buy on-line for couple of penny saving. My state has sales tax for Amazon purchase and I think every state sho...
by rebellovw
Fri Apr 27, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Airbag deployed- would you buy?
Replies: 24
Views: 1768

Re: Airbag deployed- would you buy?

Here is new:
2018
WRANGLER JK UNLIMITED SPORT 4X4
$29,340

Why not go with new? The above is base - no fancy options but 4WD and 4Door.

Otherwise you are looking used for likely a 30-40K version at mid 20's with like you said 20-50K miles.

Good luck!
by rebellovw
Fri Apr 27, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Airbag deployed- would you buy?
Replies: 24
Views: 1768

Re: Airbag deployed- would you buy?

What is so special? Looking at used prices - just like any other car - MSRP is 27K - probably out the door for 35K. Used - in the 20's. I think Jeeps are OK but not great for reliability - perhaps I'm only thinking of the Cherokee Anyhow - I took a quick look and see used in the 20K and below on ca...
by rebellovw
Fri Apr 27, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10778

Re: Amazon to raise Prime membership in US to $119 from $99

Though I haven't looked into it - but it does seem to be the case - that there are no different packages - only one for 119. I do NOT want their music as I already have Spotify/Pandora - so take that off - doesn't seem to be an option. I'll grudgingly keep it - but when I'm retired - I might rethink...
by rebellovw
Fri Apr 27, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Airbag deployed- would you buy?
Replies: 24
Views: 1768

Re: Airbag deployed- would you buy?

What is so special? Looking at used prices - just like any other car - MSRP is 27K - probably out the door for 35K. Used - in the 20's. I think Jeeps are OK but not great for reliability - perhaps I'm only thinking of the Cherokee Anyhow - I took a quick look and see used in the 20K and below on car...
by rebellovw
Thu Apr 26, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3367

Re: When the market crashes...

Well Your emergency fund should be in a savings account that is not wasteful and I think you should probably fight the urge to buy more stocks than your plan allows. I've been tempted to buy more now that the market is down - but who knows - it can go down way further. My plan is to only buy with th...
by rebellovw
Thu Apr 26, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3367

Re: When the market crashes...

When it crashes - and we have had some minor drops last couple months - I keep buying as per my AA plan. If anything - I'm picking up some deals so that when the market recovers - it will recover faster for me.
by rebellovw
Tue Apr 24, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10357

Re: Cashing out of the Bay Area

Having been born and raised in the Bay Area - and left it - at age 46 - I'd say the weather is boring. If you like every day to be pretty much the same - then that is the Bay Area. I didn't know I loved weather so much until I left - wow four seasons - monsoons - dramatic rain/thunderstorms - light ...
by rebellovw
Tue Apr 24, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10357

Re: Cashing out of the Bay Area

We did it and couldn't be happier. House prices increase and traffic just gets worse. It would be one thing if the lifestyle improved but it is just going down hill. I'll take the Bay Area of the 90s on down any day. Now it is miserable. I hate having to go back. Early 2000s were nice but man 90s 8...
by rebellovw
Tue Apr 24, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10357

Re: Cashing out of the Bay Area

Yeah Prop 13 is no reason to stay. It didn't help us much. We still payed over 10K per year. And in our town made up of Seniors - it hurt the schools most. By the time I left I think we had two parcel taxes. I remember looking at my dads tax bill where Prop 13 helped - his house was on the tax notic...
by rebellovw
Tue Apr 24, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Use of Restricted Stock Units
Replies: 18
Views: 1268

Re: Strategy for Use of Restricted Stock Units

The price of the stock on the date the RSU vested very much matters, of course, for the capital gain or loss calculation. Selling immediately makes sense for many, if not most people. On the other hand, my employer's stock has been on quite a run in recent years, and I sometimes think about might h...
by rebellovw
Tue Apr 24, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10357

Re: Cashing out of the Bay Area

We did it and couldn't be happier. House prices increase and traffic just gets worse. It would be one thing if the lifestyle improved but it is just going down hill. I'll take the Bay Area of the 90s on down any day. Now it is miserable. I hate having to go back. Early 2000s were nice but man 90s 80...
by rebellovw
Sat Apr 21, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5467

Re: Selling a car: how to get paid?

I'm surprised no one mentioned a certified check. They cannot be stopped. Cashier's checks can be cancelled. If the amount was less than 10k, I would just ask for cash. If over 10k you run into extra paperwork. If you went to the bank with the buyer and cashed a personal check (getting the cash) be...
by rebellovw
Sat Apr 21, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 18730

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As already mentioned, 2.5% is not competitive for a 5-year CD. Three-year brokered CD yields are just shy of 3% for good deals on secondary market. Not a lot of term risk in 3-year maturity, and I'd rather take the term risk to earn almost 3% than earn 2.5% with the EWP. Kevin 3% only provides 143....
by rebellovw
Sat Apr 21, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Use of Restricted Stock Units
Replies: 18
Views: 1268

Re: Strategy for Use of Restricted Stock Units

For capital gains it is the price at the time they are in your account and you sell them. It shouldn't have anything to do with various other earlier prices. As soon as I get mine - ex 200 shares at 49.00 - I immediately sell and price should be same give or take with very slight gain or loss and I ...
by rebellovw
Thu Apr 19, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 18730

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As already mentioned, 2.5% is not competitive for a 5-year CD. Three-year brokered CD yields are just shy of 3% for good deals on secondary market. Not a lot of term risk in 3-year maturity, and I'd rather take the term risk to earn almost 3% than earn 2.5% with the EWP. Kevin 3% only provides 143....
by rebellovw
Thu Apr 19, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 18730

Re: Ally Bank No penalty CD for parking cash, is there a catch?

Today I closed my No Pen CD at Ally - it was at 1.50 and my Savings there was 1.45. I moved it to their 5 year CD at 2.5%

If I need to break it - it is only 6 months penalty - no biggy.
by rebellovw
Thu Apr 19, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3628

Re: Good Dad, Bad Dad

Also my one son is at the Univ of AZ - doesn't have a car - bikes everywhere - and Ubers if necessary. I pay for the Apartment.

Also - he now has a job at the University to pay for Uber etc.
by rebellovw
Thu Apr 19, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3628

Re: Good Dad, Bad Dad

It is a tough call. I went through the same torture. When I was a teen - I couldn't wait to drive - and obtained my license at 16 (1981 ish) I had a job though - paper routes, pizza delivery. I loved hot rods - I loved cars! Then with two sons both born in early 1990 - I also wanted them to work etc...
by rebellovw
Thu Apr 19, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5467

Re: Selling a car: how to get paid?

Perhaps counterfeit if you are selling a 100K car - otherwise I think counterfeiters wouldn't be dealing with small stuff like a used car. The cash should feel very real.
by rebellovw
Thu Apr 19, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5467

Re: Selling a car: how to get paid?

Also - in CA there is an online transfer of ownership form. Get that and some legal samples to sell the car "As Is" and have the buyer sign them.
by rebellovw
Wed Apr 18, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 3089

Re: Tax day come and gone.....

You should try a CPA at least once. This year it was only 325.00 and definitely worth it for us. In what way was it worth it.? The tax code is the tax code. Turbo Tax handles it pretty well. It's anecdata, but the accounting firms handling elderly family members' taxes have made some costly mistake...
by rebellovw
Wed Apr 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 3089

Re: Tax day come and gone.....

You should try a CPA at least once. This year it was only 325.00 and definitely worth it for us.
by rebellovw
Tue Apr 17, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 1919

Re: Too much rent?

2K a month isn't that high for a 500K house.

Last time we rented (and it was house) was 1996ish and the rent was I think 1100 - and that was for a 100 to 200K house.

Here is the zillow price of that house now:

Zestimate®: $740,167

You gotta love the bay area.
by rebellovw
Fri Apr 13, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1949

Re: Dispute Over a Fence

Careful - it could back fire - and you may end up with this type of fence in your backyard:

Image
by rebellovw
Fri Apr 13, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2430

Re: Appropriate to ask co-worker when retiring?

Bad idea - but perhaps worth asking how long both his parents have lived for. :twisted:
by rebellovw
Fri Apr 13, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 877

Re: Best Leather Checkbook

bob60014 wrote:
Fri Apr 13, 2018 1:24 pm
What's a checkbook? ;)
Those things people pull out in line at the supermarket - and start writing all slow and fancy while they are joking with the clerk.
by rebellovw
Fri Apr 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10418

Re: Mid-40s in tech - how to pass off as acceptably young

About the worst thing you can do is present yourself as a 40+ coder. If you are lucky enough even to get an interview, they look at you suspiciously for still doing hands on programming at that age. That's unfortunate. I only got my CS degree at age 33. I'd like my career as a coder to last longer ...
by rebellovw
Fri Apr 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1949

Re: Dispute Over a Fence

Can you build your own fence in front of it to cover and hide it - and maintain your yard? Cheaper than a lawyer and an easy DIY project. I did that at our last house - all our fences were falling apart - I completely rebuilt the back and side fences - even my neighbor offered to help and pay but th...
by rebellovw
Fri Apr 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12289

Re: Work Commute: How far is too far?

" but her commute is 65-75 mins each way"

For the Bay Area - that is considered a short commute. My old commute is now over 2 hours.