Search found 4580 matches

by stan1
Wed May 24, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 11
Views: 827

Re: anyone ever live/living on a boat?

One consideration: The people I know who live on boats have smaller sailboats where this may be a bigger issue than on a large power boat. They live onboard year round but also take their boats out into the ocean. They've told me most live aboards at their marina end up with a lot of extra personal ...
by stan1
Wed May 24, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Refinance Mortgage From 30 to 15 OR Invest?
Replies: 32
Views: 2369

Re: Refinance Mortgage From 30 to 15 OR Invest?

Long thread, sorry for jumping in the middle but here's what I would do: It's all about liquidity. 1) Less inclined to re-fi a rental property especially if relocating back to that area is unlikely. It's a business. Look at cash flow. You'll eventually have some large expenses with the house and you...
by stan1
Tue May 23, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: California Title Car Paid Off no Title for 8 months
Replies: 6
Views: 546

Re: California Title Car Paid Off no Title for 8 months

It looks like you may have a special case. I'd call a DMV branch office in a rural county and ask how to get a duplicate title. My county has one DMV office for every 450,000 residents. You may get better service where the office is serving 10% of the number of people. It can take over 4 weeks to ge...
by stan1
Sun May 21, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 23
Views: 2046

Re: Firefox painfully slow

Make sure your hard drive has free space.

Also if you only have 4MB of RAM it may be time to add more.
by stan1
Sun May 21, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Job loss
Replies: 28
Views: 2205

Re: Job loss

Your boss probably told you this so you could consider resigning rather than being fired over the weekend. Your boss could have told you that as a personal favor thinking that you might prefer a resignation on your resume. Or, the company could be trying to get you to resign to lower their costs. I ...
by stan1
Fri May 19, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1512

Re: Summer outdoor parties - party food ideas

Is this at home or a picnic away from home? We find that taco and sandwich bars are popular year round. For sandwiches we buy a variety of rolls and pre-slice them about 3/4 of the way through. We get deli sliced meats and add in some fun extras like sliced persian cucumbers or several gourmet musta...
by stan1
Fri May 19, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How handle home sale proceeds?
Replies: 7
Views: 703

Re: How handle home sale proceeds?

Be very, very careful about wiring instructions. There is an increasing level of fraud related to wire transfers. If the sale proceeds are wired into the wrong account and withdrawn your money is GONE. Wire transfer fraud has been going on with businesses for some time. I know one very savvy busines...
by stan1
Wed May 17, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7250

Re: Article: "Our emergency fund is exactly $0.00"

People with a six figure taxable account can use that as an emergency fund if they want. Most people don't have a six figure taxable account.
by stan1
Mon May 15, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2241

Re: Replace floor BEFORE or AFTER New Cabinets?

Do you expect the floor or cabinets to last longer? Put the one you expect to last longer in first. I live in an area where almost every house built in the last 60 years has a slab foundation (millions of homes). Builders always put cabinets in before floors and people tend to keep it that way. If y...
by stan1
Sat May 13, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating job responsibilities
Replies: 15
Views: 1203

Re: Negotiating job responsibilities

Discussing specific position/job duties is perfectly reasonable. This is basic communications so talk to them. I would not take a job if I didn't have some idea what I'd be doing. If they are looking for someone to do product development and you don't want to do that it is a mismatch. Most big compa...
by stan1
Sat May 13, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Out of town neighbor received FTD del.What to do.
Replies: 13
Views: 1433

Re: Out of town neighbor received FTD del.What to do.

Google is your friend. This is what Martha Stewart has to say about tulips. It seems like almost a full time job to care for them and it only gets rated at 3/5 stars so maybe try another site also: http://www.marthastewart.com/271296/arranging-tulips You've already opened the box. Take a photo. Put ...
by stan1
Sat May 13, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4418

Re: Cars: Expense or Asset?

Agree this is mental gymnastics and irrelevant to long term financial planning unless you are about to declare bankruptcy or die. If you want to treat your car as an asset to make your net worth look bigger or want an "accurate" net worth valuation you are only fooling yourself. Is furnitu...
by stan1
Sat May 13, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 1792

Re: Online? Not for me

I have determined that I would save zero$ by buying online. Sub-Zero, Wolf, Miele. These brands, at least in theory, restrict discounting and most retailers are limited to their assigned geographic regions. Be careful that any discounted appliances you might find online are new and have a full warr...
by stan1
Sat May 13, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3320

Re: How much to tip movers?

I would give $20/person and be thankful I didn't have to do it myself.
by stan1
Fri May 12, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Owner ---- mortgage or cash?
Replies: 5
Views: 847

Re: First Time Home Owner ---- mortgage or cash?

Easy answer. In your situation I would pay cash but think of it as a loan you have to pay back to yourselves with a payment every month. I'd also use the taxable account to fund improvements and pay yourself back the same way.
by stan1
Fri May 12, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Disabled and Need Good Advice
Replies: 16
Views: 1637

Re: Newly Disabled and Need Good Advice

Do you own your home? If so how much is left on the mortgage, how many years left on the loan, and what is your monthly payment? It might make sense to pay off the mortgage with your savings if that would help you get your monthly expenses down closer to your wife's salary + what you expect from SS ...
by stan1
Thu May 11, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1530

Re: Home Addition Costs

+1 on providing fixtures and materials yourself if you are OK with managing the budget. We just completed a first floor remodel (kitchen, powder, family/fireplace, dining, living). Our contractor/designer had us buy primary materials ourselves. The contractors provided lumber, pipe, fasteners, caulk...
by stan1
Thu May 11, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Sell a car to carmax if/when car has a "problem"?
Replies: 22
Views: 2939

Re: Sell a car to carmax if/when car has a "problem"?

I sold a 2001 model vehicle to CarMax a few years ago. They did not ask me to disclose anything other than if it had been in a major accident. They did an inspection and a short test drive. I had been advised by my mechanic the car was developing a head gasket leak (a known problem in that model). I...
by stan1
Tue May 09, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase question
Replies: 22
Views: 2082

Re: Home purchase question

Seems to me you could afford the larger $430K house AND pay down the student loans quicker AND continue to save for retirement/kids with the $400K salary.

I'd buy the home your family will be happy in. You can afford to do so. I'd be careful about embarking on a lot of improvement projects though.
by stan1
Tue May 09, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Question about re-gifting a gift for tax purposes
Replies: 13
Views: 600

Re: Question about re-gifting a gift for tax purposes

mrsytf wrote:This may be stating the obvious is your husband married or have a child?


I think you mean is your son married or have a child.
by stan1
Sun May 07, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Individual health insurance
Replies: 59
Views: 3129

Re: Individual health insurance

My best advice would be to first forget any preconceived notions you have about politics, health care, and ACA. Treat this solely as a business decision to get the health care you want at a price you want to pay. Get the facts directly from the plans involved (including exchanges and insurers). Also...
by stan1
Sun May 07, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Asset Protection Attorney
Replies: 3
Views: 489

Re: Recommended Asset Protection Attorney

Asset protection is a broad description. Everyone wants to protect assets from something but some people might have a greater likelihood of needing assistance. Are you trying to protect assets from creditors, liability claims, assisted living/nursing home expenses, estate tax, or law enforcement/tax...
by stan1
Sun May 07, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 4612

Re: Can we afford a 800K house?

Immigration status for two people is the main factor I see. I would not make any assumptions about high income individuals being given preference for immigration. At this point it is political not just bureaucratic and anything could happen. Waiving contingencies including finance and inspection has...
by stan1
Sun May 07, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Retired - How much can I afford to pay for house
Replies: 12
Views: 1684

Re: Retired - How much can I afford to pay for house

Your wife is right. First, will you be selling your current home? If so you'd be pulling that much less out of your investment accounts. Find the location you'd both enjoy and buy a small, simple home there suitable to a retiree lifestyle. I don't think either of you will suddenly become extravagant...
by stan1
Sat May 06, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1700

Re: Mazda CX3 lease... is this a good deal

CX-3s are very popular right now. There are basically none available in my metro area of over 2M people. Don't expect a good deal on a vehicle that is flying off the lots like that. On the other hand have you considered a 5 door Mazda 3 instead? Those have a $1500 rebate and are selling up to $3-400...
by stan1
Sat May 06, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7210

Re: Stay home with kids?

This does not have to be a binary decision. There are many possibilities in the middle. You have the net worth and income to be very creative.
by stan1
Sat May 06, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3097

Re: Swing Set 2700.00??

Lightly used is the way to go. Parents put these in and the kids outgrow them quickly as they get more involved in group activities (music, sports, scouts, etc). Often buyers want them out of the yard if the house sells (or realtor wants it out of the yard before house lists for sale). Better a swin...
by stan1
Sat May 06, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1317

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

It sounds like they may be setting up an impound account for your property taxes and insurance? That might be required if you have a low down payment (under 20%) but in general most of us prefer to pay our insurance and property taxes ourselves rather than having the lender do it. Ask if you can opt...
by stan1
Sat May 06, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I letting the Taxes Wag my Investments?
Replies: 9
Views: 1383

Re: Am I letting the Taxes Wag my Investments?

Over the years I've needed cash for a new car, home improvements, and to pay off mortgage. When I need cash I sell taxable investments. In addition to giving me the liquidity I needed it helped me get rid of investments I no longer wanted as well as rebalance. I don't sell taxable investments unless...
by stan1
Sat May 06, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Another allocation between spouses question
Replies: 5
Views: 475

Re: Another allocation between spouses question

We've chosen to set an asset allocation for our retirement counts separately. We don't have children and will leave some of our estates to our respective siblings and nieces/nephews. We both also have access to very low cost investment options. There is no right or wrong answer.
by stan1
Sat May 06, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 1997

Re: Road trip to western states

My recommendation is to spend 1-2 weeks in a single area and then come more times for the rest. So pick one for this trip: Southern CA LA to SF SF/Wine Country/Point Reyes/Mendocino CA mountains (Yosemite, Gold Rush Country) Utah national parks Yellowstone Grand Canyon/Havasupai/Flagstaff (from Vega...
by stan1
Sat May 06, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Federal job, "military time buyback" for pension
Replies: 22
Views: 1814

Re: Federal job, "military time buyback" for pension

I would just get it out of the way before the 3 years are up. In 10, 25 and 50 years you'll be glad you got it taken care of. I don't think seeking to arbitrage this is worth the risk or brain cycles that you could put to something more enjoyable.
by stan1
Sat May 06, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2735

Re: Honda vs. Mazda vs. Ford

What are thoughts on leasing a car? I"m guessing most Bogleheads say buy it so you begin to accrue equity right? No! A car is a depreciating asset. It is an expense not an investment. No such thing as building equity in a depreciating asset. Boglehead way would be to buy so you can keep it for...
by stan1
Mon May 01, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 3316

Re: buying dining table is hard

We found what we were looking for at a local brick and mortar Scandinavian furniture store (not IKEA) recently. About $2300 for an expandable table with 6 chairs (chairs were about $150 each). If you wanted to keep the leaf in you could buy 2 more chairs. We got a walnut laminate on solid birch. We ...
by stan1
Sat Apr 22, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 56
Views: 4769

Re: Issue With Real Estate Agent (Seller)

One thing your realtor SHOULD be doing is calling every other realtor who has showed the house to a potential buyer and asking for feedback. Why didn't the buyer like the house? Did the potential buyer think the location was bad? Interior or exterior did not show well? Dated and needs too much updat...
by stan1
Sat Apr 22, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 56
Views: 4769

Re: Issue With Real Estate Agent (Seller)

I'm the OP. The house is in good cosmetic and mechanical shape. The lot isn't great; it's a cul de sac that opens into a townhouse complex. That being said, it's in a great school district and is a good neighborhood. I'll take what I can get but it's not clear how far to cut the price and how fast....
by stan1
Sat Apr 22, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 56
Views: 4769

Re: Issue With Real Estate Agent (Seller)

If the house hasn't sold after 4 months on the market it is almost certainly overpriced unless it really is in a small market niche. How many buyers have walked through the house? There should be no need for the listing agent to be present. In fact requiring her be present discourages buyers because...
by stan1
Sat Apr 22, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2439

Re: Moving... and U-haul trucks are expensive!

Since you are just 2 hours away I'd look into how much the cost difference would be to pickup/dropoff at the same place on the same day. One way rentals are expensive.
by stan1
Sat Apr 22, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9725

Re: Why are pensions revered, but annuities reviled?

Pensions weren't a choice once you selected an employer and were viewed as a benefit/entitlement. Many people contribute far less money to a pension than they get back. Annuities usually aren't subsidized. Plenty of people have bought out their pensions for a cash payment partly because they didn't ...
by stan1
Sat Apr 22, 2017 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 4955

Re: Should some professions tell people how much they make?

It's the nature of the job. Some parents aren't going to continue paying for a tutor unless they see quick results. What I'd do is build your resume/CV by listing your qualifications (including education, GPA, scholarships, years of experience tutoring, number of clients). You could list some of the...
by stan1
Thu Apr 20, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to purchase this new house?
Replies: 13
Views: 1378

Re: Can we afford to purchase this new house?

Will your income change after you have kids? By how much? Yes in general most people can afford a house that is about 2X annual income plus you can make a 20% down payment. Agree with buying a house that you will be happy with for many years if possible. Sometimes schools and commute times change th...
by stan1
Wed Apr 19, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36619

Re: Larry Swedroe says "Goodby."

I figured out a long time ago to ignore most comments on internet boards but if you are a widely known figure with a professional reputation working in a customer service industry that's harder to do.
by stan1
Wed Apr 19, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5196

Re: Tips on Uber

I've only used Lyft and usually to/from airports. I've had several drivers tell me they only drive for Lyft "because the passengers are nicer." Yeah that probably means tips, but maybe people who tip are good customers in other ways. I still use a sedan service for my 0530 boarding flights...
by stan1
Tue Apr 18, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice-Job Change
Replies: 15
Views: 1416

Re: Career Advice-Job Change

If you feel your career growth is at a standstill you should do something about it. If you don't see opportunities to do something different in Company A you should look elsewhere. The biggest flag I see is you say Company B would have you working second shift hours. For me that would be a showstopp...
by stan1
Tue Apr 18, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house: dual agent, rebating agent, open listing, or else?
Replies: 6
Views: 583

Re: Buying a house: dual agent, rebating agent, open listing, or else?

Keep looking for a rebating agent. They most likely won't be working for a franchised agency like Coldwell or Century 21 and you might not find them at an open house. It will be an independent person with a website. Redfin is another possibility if they operate in your area. Negotiating with the lis...
by stan1
Sun Apr 16, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1870

Re: Home remodel / addition plans

I would recommend posting in the "Kitchen" and "Building a Home" sections on GardenWeb (Houzz). You'll get some very objective feedback on improving the design (if you are open to that input -- sometimes people post a plan there saying they want feedback but really are already &q...
by stan1
Thu Apr 13, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Most sophisticated tax software?
Replies: 6
Views: 667

Re: Most sophisticated tax software?

Are you looking at forms view in TT? Are you sure there isn't a missing entry somewhere? I've seen situations in TT where the interview format data entry screens have omitted a necessary data field and I've had to go into forms view and enter it manually. Likewise when using forms mode I've had to s...
by stan1
Wed Apr 12, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8757

Re: Extreme Frugality vs Living Life - Where do you draw the line?

For us the realization set in during our 40s that we had a substantial nest egg saved up in our younger years and could spend a little more to enjoy life. That meant business class seats when we travel internationally for vacation about once each year and upgrades to the house but we still keep our ...
by stan1
Fri Apr 07, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Returning to the workforce after an extended break - how did you do it?
Replies: 10
Views: 1300

Re: Returning to the workforce after an extended break - how did you do it?

Maintain your professional and social relationships. It's easier now than ever with email and text messages. Keep track of former supervisors and co-workers who valued your contributions. Continue to engage with them during your time away albeit at a reduced frequency. What to talk about? The same t...
by stan1
Fri Apr 07, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: HVAC H-E-L-P! Water leaking from intake (return)
Replies: 12
Views: 594

Re: HVAC H-E-L-P! Water leaking from intake (return)

What type of system do you have? Often with central air it is a split system with a condenser outside the house (on the roof) and a fan/coil system inside the attic that connects to the return and ducting. There is an insulated coolant pipe that runs between the two. It sounds like you do not have a...

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