Search found 1085 matches

by LarryAllen
Fri Oct 19, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Warm weather getaway in December
Replies: 7
Views: 793

Re: Warm weather getaway in December

I always say Hawaii first from the west coast. 5 hours and you are in heaven! Go Big Island perhaps!?

You mentioned concern for Cancun but I would say Cabo generally has a good reputation. Easy non-stops from SF.

Have fun!
by LarryAllen
Thu Oct 18, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Tip Furniture Delivery?
Replies: 12
Views: 1060

Re: Tip Furniture Delivery?

I generally give them $5-10 for normal service. Anything extra then $20.
by LarryAllen
Wed Oct 17, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Re-doing a trust, contingent beneficiary question
Replies: 6
Views: 532

Re: Re-doing a trust, contingent beneficiary question

The number of beneficiaries is only an issue if you are doing continuing trusts which I am sure you are not for charities. With continuing trusts there is a cost of administration. With checks, to be cut, after death the added admin costs are nominal for having more charities. Name as many as you wa...
by LarryAllen
Tue Oct 16, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4120

Re: Relocation to California

Just plan to drop at least a mil so you can buy a dumpy house in a decent neighborhood. Otherwise you'll be out deep 2 hours from LA. You can probably get a free U-haul to return for them as most U-hauls go from Cali to Dallas.
by LarryAllen
Sun Oct 07, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give "spousal" health insurance to a non-spouse?
Replies: 31
Views: 1541

Re: Can you give "spousal" health insurance to a non-spouse?

AndroAsc wrote:
Sun Oct 07, 2018 7:33 pm
livesoft wrote:
Sun Oct 07, 2018 7:32 pm
So why not just buy their health insurance?
It's cheaper to include another person on your policy than buying a new one outright...
Not cheaper for your employer who has to foot the bill.
by LarryAllen
Sun Oct 07, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3350

Re: What are your strategies when shopping for a house?

Wife and I are shopping around for another house. I'm thinking we're probably buying at the top, but who knows. Anyway, we're not even sure if we want to move or not, wife says it's up to me, she'll support my decision whichever way I decide. Anyways, we have an agent, but as usual, they seem usele...
by LarryAllen
Wed Oct 03, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2209

Re: Dentist bill came 4-5 months later, is this unreasonable?

Pay it. This shouldn't even have been a thread.
by LarryAllen
Mon Oct 01, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2485

Re: What should you do if you have to use Facebook?

I am no sure what you people put on facebook that the hack becomes a concern. It's common sense that FB data is pretty much "public". I tend to agree. You don't have to give them your birth date, social or anything else important. They can hack your email and phone I guess!? I am not too worried ab...
by LarryAllen
Sun Sep 30, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2636

Re: 0% loan to family member

I would make sure the note and deed of trust are in writing and signed/notarized by brother. I would also make sure your parents keep detailed written records of payments received. Otherwise your parents are leaving you a big can of worms; unhappy brother v. 2 other unhappy siblings. A fight waiting...
by LarryAllen
Wed Sep 26, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1321

Re: Do I really need a CPA to do taxes for LLC?

Thanks for the advice and insights. With a regard to the comments about trusts... 3. As somebody else noted before, a trust would probably be better, since this seems more like personal property and there is no profit motive. Though personally, I would use a trust for this. Can you elaborate more o...
by LarryAllen
Mon Sep 24, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5137

Re: Vacation without saving adequately?

I'd do the trip. Just try to do it prudently. Or go drive for Uber for a month or two and earn the money in your free time!
by LarryAllen
Sun Sep 23, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4234

Re: Ventilated car seats?

Had heated/cooled seats in the last two cars and really enjoyed on a cold/hot day. My new car only has heated and I am a little sad.

Every manufacturer tells you why theirs is better system than the others. It's all about the same in my opinion

It does help on a hot day though for sure.
by LarryAllen
Sun Sep 23, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 9018

Re: What to wear for job interview - skip the tie?

I would tell my kid to wear a tie to interview at McDonalds.
by LarryAllen
Thu Sep 20, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1372

Re: Painting kitchen cabinet

I would re-face them. We got all new kitchen cabs and re-painted some hallway cabs and the hallway cabs look old. Spend some money and at least put new doors on them if not all new.
by LarryAllen
Tue Sep 18, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: $4900.00 INHERITED IRA
Replies: 9
Views: 930

Re: $4900.00 INHERITED IRA

Cash it out! Simplify. Less is more.
by LarryAllen
Tue Sep 18, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1201

Re: Consumer Issue - Storage Unit Rental

Honestly.....craigslist.....yard sale.....eBay. Unload the things that you need to store. +100 Why people need to store stuff is beyond me as well. Material possessions only cost you time and money. So true. We made a huge clean out this past weekend. It's so re-freshing to get stuff out of the hou...
by LarryAllen
Tue Sep 18, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1201

Re: Consumer Issue - Storage Unit Rental

If you tell them professionally, without a big back story, maybe they won't raise your rates. You don't know if you don't try. I would not go in sounding like a complainer and do not mention calling the attorney general. Just say "I wish to take the insurance coverage off my unit as I determined I h...
by LarryAllen
Mon Sep 17, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6929

Re: Is there such thing as saving TOO much?

At your age there is no such thing as saving too much as long as you are happy with your choices and it sounds like you are. Life is long and stuff happens that you don't expect so keep saving! Keep over-saving in fact! The more you do the sooner you can retire or work less. Keep up the good work.
by LarryAllen
Mon Sep 17, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 23
Views: 2049

Re: Provding SSN for Estate Planning--Why?

It used to be needed because a lot of retirement accounts were linked by SSN. So for people that were modifying their beneficiaries (perhaps their contingent beneficiaries) to link to their trust the SSN was necessary. Now I would say it is not necessary as the practice of using SSNs with accounts h...
by LarryAllen
Sat Sep 15, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3142

Re: HOA Donation in Remembrance of Deceased Owner

Totally wrong in my opinion and I would be bothered and not a lot of stuff bothers me. The HOA should be stewards of money only. It's not a feel good group.
by LarryAllen
Fri Sep 14, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? -- 32 y/o lawyer in Bay Area
Replies: 32
Views: 4399

Re: How am I doing? -- 32 y/o lawyer in Bay Area

Thesaints wrote:
Fri Sep 14, 2018 6:10 pm
HEDGEFUNDIE wrote:
Fri Sep 14, 2018 6:03 pm
Assuming a 20% down payment, a $300k salary can afford you a $1.5M house and still allow you to save $100k/yr.
???
The OP saves not much more than that right now, with no mortgage.
LOL. I was thinking the same thing. That's pretty aggressive. No car, no vacation, etc....
by LarryAllen
Fri Sep 14, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 33
Views: 2501

Re: Living trusts and relabeling accounts

Hello all, Tried googling this over the bogleheads site, but did not get any decent information, so hope this isn't a FAQ. As part of our wills, my wife and I established a family trust since our assets are substantial (~5M). I've been told that I need to relabel my accounts to indicate that they b...
by LarryAllen
Thu Sep 13, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying townhome/home -- need opinions
Replies: 26
Views: 1970

Re: Buying townhome/home -- need opinions

I would look and get a really good feel for the market. Know it backwards and forwards. Then when you see "the" house you'll know if it's a fair price or not. There is no rush. Be patient.
by LarryAllen
Tue Sep 11, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to get an asset based mortgage
Replies: 4
Views: 468

Re: How to get an asset based mortgage

Hard money loan on the house. Higher interest rate and a couple of points.
by LarryAllen
Mon Sep 10, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

Leemiller wrote:
Sat Sep 08, 2018 12:04 pm
Absolutely not.
Agreed. Except I will modify to say ABSOLUTELY NOT!
by LarryAllen
Wed Sep 05, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

Has not been my experience. Yes cars, autotrader, etc.... have ASKING prices 15% above what Carmax will get you but cars can sit there for months at those asking prices. If you want to sell a car quickly, for a fair price, and without hassle Carmax is great. Having sold cars in every imaginable way...
by LarryAllen
Tue Sep 04, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

You sell to CarMax for convenience. They're going to give you a better deal than you would get at other dealers. You'll be able to sell private party for at least 15% more in pretty much every case. So it depends on what's worth the hassle to you. Get an offer. Check what comparable vehicles are se...
by LarryAllen
Tue Sep 04, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

Private party sales will always be more profitable than selling to CarMax. Only for people whose time isn't worth much. My time is way too valuable to jerk around with tire kickers, emails asking some specific question and no follow up by them, and twice I have had to go the buyer's bank when selli...
by LarryAllen
Tue Sep 04, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

2001 BMW 330i w/ 54k miles sold in 2015. Dealer trade-in offer: $1200. CarMax offer: $4000. Sold to private party through Auto Trader in two days: $8000. +1 I think this is a good illustration of how much what you get will vary depending on how you decide to sell. Private party is the best option. ...
by LarryAllen
Mon Sep 03, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

No haggling. CarMax is a public company. If you check their financials their gross margin is around 15%. In my experience that’s around the discount between what they offer you and what they flip it for. I agree with you. I think about 15% does seem to be about where they are. Which I will add is a...
by LarryAllen
Mon Sep 03, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5966

Re: Selling a car to CarMax

CarMax is awesome. In my experiences they have paid VERY fair prices and without any hassle. You go sit there for 30-45 minutes while they inspect the car and they give you a price. They do not haggle on buys or sells. They even give you a week where you can try to sell it for more. Part of it depen...
by LarryAllen
Fri Aug 31, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Term life insurance: now or workout first
Replies: 23
Views: 2379

Re: Term life insurance: now or workout first

Buy your insurance now to protect your family.

Start a reasonable workout routine as it helps prevent numerous medical problems as you age.

Then in a couple years get new term insurance.
by LarryAllen
Thu Aug 30, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Term Life Insurance?
Replies: 17
Views: 1519

Re: Do I need Term Life Insurance?

I would get about $2.5m at least on a 20 year term. Take care of your family. It's cheap.
by LarryAllen
Wed Aug 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4251

Re: Bone in my food

You eat real food and you might get real animal parts in your food. It doesn't happen much but it happens.

I'd be interested what type of compensation you are expecting for this as it seems pretty minor to me.
by LarryAllen
Wed Aug 29, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21940

Re: Decent compensation to move to Bay Area CA?

There is no traffic when your company provides a free shuttle (with wifi). You can sleep, work, email, surf internet, read a book, chat with colleagues. Also you can share the commute. When I was living in San Francisco and working in Santa Clara (100 miles total) I was commuting with a friend. I w...
by LarryAllen
Tue Aug 28, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early. Is my math right?
Replies: 29
Views: 3767

Re: Wanting to retire early. Is my math right?

Great job being able to leave so cheaply. I am sincerely impressed with anybody who can do that. However, it seems you are both living cheaply and planning on good returns on your investments. To me it's a bit slim. I would plan to work until 50 if I were in your shoes.
by LarryAllen
Tue Aug 28, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and children
Replies: 25
Views: 2904

Re: Wills and children

Some people keep it as a family pot trust with trustee discretion (NOT the 20 year old) and then flip it to 1/3 each when the youngest reaches a set age (15 or 20 maybe). The problem is there is no perfect answer. The nice thing about three equal shares is the youngest could actually end up with the...
by LarryAllen
Mon Aug 27, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Game Changing Inheritance of Stocks! Now what?
Replies: 75
Views: 7081

Re: Game Changing Inheritance of Stocks! Now what?

I had a similar dilemma when my parents died. Received several shares of brka. I opted to keep one partly out of sentimental reasons and partly as an investment I wanted to keep. To me it was more important to be truly diversified than to own a lot of one stock (even a diversified one stock). Plus I...
by LarryAllen
Mon Aug 27, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21940

Re: Decent compensation to move to Bay Area CA?

No way I would make that move with those numbers. If I were making $200k in the Bay Area and could move to Charlotte and make $140k I would though. I would feel like a big baller! I have been to Charlotte. Great city. I would stay put if I were you.
by LarryAllen
Fri Aug 24, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9636

Re: Landlord Nightmare

I would do nothing until they sue you. Then hire an experienced real estate attorney to deal with it.
by LarryAllen
Thu Aug 23, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 3050

Re: To buy or hold for housing crash in Bay Area CA

I would wait but I would not expect a "crash." I would expect modest reductions (15-20%). Perhaps 2021 or 2022 would be a better time on purchase prices. However, interest rates might be higher so who knows how much ahead you will really come.
by LarryAllen
Tue Aug 21, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6308

Re: Sellers beware on eBay.

With Ebay, the buyer is always right, the seller has no recourse even though the buyer is abusing the process. It's the reason I have stopped selling on ebay. Sadly well said. My general rule is to sell stuff and if there is any issue from buyer I just refund the money and move on. Luckily it's rare.
by LarryAllen
Wed Aug 15, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2977

Re: Discarding dead cell phone without purging my data

What data are you concerned about? Is there actual sensitive information on there?
by LarryAllen
Thu Aug 09, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Quit Claim on inherited house?
Replies: 16
Views: 1653

Re: Quit Claim on inherited house?

bsteiner wrote:
Wed Aug 08, 2018 10:57 pm
LarryAllen wrote:
Wed Aug 08, 2018 10:28 pm
Does it have to go through probate? ...
You probate the Will, not the assets.
I see your point. I use the word more like a verb as in we are "probating" a decedent's assets. Since most people die intestate they don't have a will.
by LarryAllen
Wed Aug 08, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quit Claim on inherited house?
Replies: 16
Views: 1653

Re: Quit Claim on inherited house?

Does it have to go through probate? You could just assign your interest in probate and that way it will come out with a court order to sister. Or if in a trust assign your interest at the trust level to sister. If already in your name then just deed it over. Your name isn't on the mortgage. I wouldn...
by LarryAllen
Tue Aug 07, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2452

Re: Moving soon; whom to hire to help me move?

Professional moving company every time. Just not worth the risk in my opinion.

Top 10 pet peeve in life is friends who make decent incomes asking their friends to help them move. That was fine at 20 but not at 50. Embarrassing. I realize you aren't asking for that. I am just going off topic. :)
by LarryAllen
Mon Jul 30, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2736

Re: Use attorney or software for simple will

The fear, uncertainty, and doubt spread around about the use of will software is truly unwarranted. This kind of false statement gets people into trouble. I have actually seen, in a professional setting (and AFTER death), where software and/or Legal Zoom wills were done wrong. Either the documents ...
by LarryAllen
Sun Jul 29, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5983

Re: Regret Public School?

I would send my kids to private over a bad public school. I would say my kids to a good public school over most private schools.

I went to good public school. My wife and kids did a mix of both private and good public.

I would really avoid the bad public schools though.
by LarryAllen
Thu Jul 26, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10077

Re: Toughest Purchase of my Life. Engagement Ring time

I spent a little bit more (a few thousand) than I had planned on an engagement ring, but I wanted to get a specific estate/vintage ring that she loved and felt connected to. I regret nothing. Yup. I especially like "I regret nothing." Good words! Do it right because hopefully you only have one chan...
by LarryAllen
Thu Jul 26, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10077

Re: Toughest Purchase of my Life. Engagement Ring time

I'd spend more than you are comfortable with because you want her to look back in 20 years and still be impressed with it. I speak from experience. My wife looks at her ring and still smiles. If anything I wish I had gone a little bigger and/or better but even still I went well above "budget" back i...