Search found 18 matches

by Zubs
Fri Nov 08, 2019 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Accessory Dealing Unit(ADU) in CA
Replies: 9
Views: 806

Re: Accessory Dealing Unit(ADU) in CA

You are probably going to have to start at the City level first.

The City Engineer or their office is usually involved with ADU's at some point. I would start with them.

Each City can have it's own process and then you could also have County regulations as well.
by Zubs
Mon Aug 05, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Australia Trip - 2021
Replies: 25
Views: 1869

Re: Australia Trip - 2021

For Port Douglas the rainforest was really fun to see. The town is really touristy though. If you are looking a quieter town with less people I would recommend Trinity Beach. There were a couple restaurants, one hotel, and a quiet beach! The only downside is that the only transport was a bus system ...
by Zubs
Fri Jul 05, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Food sensitivity tests
Replies: 10
Views: 1131

Food sensitivity tests

Has anyone taken an at home food sensitivity test and how did it work out? I'm considering one from Everlywell.

I know it's not FDA approved and may be completely useless.
by Zubs
Mon Jul 01, 2019 5:08 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5465

Re: HCOL vs LCOL Dilemma

I've lived in both Dallas and NorCal. I'll 2nd the weather comment. It is not unusual in Dallas for it to be hot from March to November, 80 degrees+. I remember always going from one air conditioned place to another. I would really try and envision your family's life outside of working hours. If you...
by Zubs
Sun May 05, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Jumbo vs Super Conforming Mortgage
Replies: 4
Views: 815

Re: Jumbo vs Super Conforming Mortgage

I went through similar confusion with a conforming vs jumbo loan last year. From my own research and talking to the loan officer, the jumbo loans can sometimes have a lower rate due to less paperwork and regulatory requirements. It seems backwards to me, but because they aren't involved with Fannie ...
by Zubs
Fri Jan 25, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Boarding School advice
Replies: 11
Views: 1715

Re: Boarding School advice

I went to a co-ed boarding school in the early 2000's for my last 2 years of school. Overall, it was one of the best experiences of my life. Pros: Small class sizes with teachers who were actually interested in teaching and learning. Required sports participation, everyone had to play some sport or ...
by Zubs
Mon Sep 03, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5544

Re: Cost of car ownership: 6.5 years of data in the SF bay area

I did include the vehicle registration fees in my calculations. I just didn't itemize them. Part of the registration fees can be tax deductible for State taxes. I paid $200 or less every year for registration fees, if I remember correctly.
by Zubs
Sun Sep 02, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5544

Re: Cost of car ownership: 6.5 years of data in the SF bay area

This post is for people who are interested in cost of living data. I tracked the cost of owning a 2012 Honda Civic for 6.5 years. I bought the car new and recently sold it at 75K miles. All of the associated costs (maintenance, insurance, tolls, gas) are SF Bay Area prices. Summary: New car cost (i...
by Zubs
Sun Sep 02, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5544

Re: Cost of car ownership: 6.5 years of data in the SF bay area

What about the $500 a month to park downtown if you work downtown? Or the many place that charge $10 a hour for parking? What about it? He's providing data on his own expenses. Not arbitrary "what if?" scenarios. I didn't have to pay for parking at work and I don't typically deal with SF parking. D...
by Zubs
Sun Sep 02, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5544

Re: Cost of car ownership: 6.5 years of data in the SF bay area

So in cost per mileage terms, seems you were right around 50 cents per mile. If rideshare was at this price or lower, would you give up car ownership and exclusively use their services instead? Yes, I would switch right now if I could. Not having to deal with stop and go traffic on my commute would...
by Zubs
Sun Sep 02, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5544

Cost of car ownership: 6.5 years of data in the SF bay area

This post is for people who are interested in cost of living data. I tracked the cost of owning a 2012 Honda Civic for 6.5 years. I bought the car new and recently sold it at 75K miles. All of the associated costs (maintenance, insurance, tolls, gas) are SF Bay Area prices. Summary: New car cost (in...
by Zubs
Sun May 20, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer tips/ mortgage rates
Replies: 13
Views: 4050

Re: First time home buyer tips/ mortgage rates

I just finished going through the mortage rate process so I can comment on my experience. I started by checking rates with the pre-approval process at a local Credit Union, Wells Fargo, and a local mortage broker. You can have your credit report pulled multiple times for a mortage inquiries for 45 d...
by Zubs
Sun Apr 15, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in a new condo development
Replies: 2
Views: 748

Buying in a new condo development

I'm considering buying a condo during a pre-sale for a new development. The location is in the SF Bay Area. The complex meets all my housing desires in theory (still under construction). I would be planning on living there for 10+ years. I was wondering if anyone has done this before and what their ...
by Zubs
Wed Sep 27, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 6607

Re: Sonoma in October

by Zubs
Tue Mar 21, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Recording documents in California...Will, Living Will, Power of Attorney
Replies: 4
Views: 589

Recording documents in California...Will, Living Will, Power of Attorney

I wanted to know if I should record the following documents with my County in California.

Otherwise do I just keep the originals and notify the involved people about their location? For the living will I know that I need to get my doctor a copy.

Documents:

-Will
-Power of Attorney
-Living Will
by Zubs
Tue Mar 14, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another rent versus buy - moving from MCOL to VHCOL
Replies: 15
Views: 2046

Re: Another rent versus buy - moving from MCOL to VHCOL

I've been in the SF bay area for almost 10 years now. Unless you are familiar with SF I would definetly rent at first. Most SF public schools are below average for the area as well. Each area of the city is a little bit different. If you working in the city I would look into the peninsula or Marin c...
by Zubs
Thu Jan 12, 2017 3:35 pm
Forum: Personal Investments
Topic: Best Vangaurd Roth IRA?
Replies: 8
Views: 1624

Re: Best Vangaurd Roth IRA?

I wanted to comment on the pension. I'm in a similiar situation with a public pension and 457 plan. I also have a ROTH IRA. Since you are only 32, the pension amount may not be fully there when you retire at 55. 70% of your final salary is on the generous side for a pension. Even if it's a public se...
by Zubs
Thu Nov 17, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Portland or Dallas (Southlake area)
Replies: 36
Views: 5192

Re: Portland or Dallas (Southlake area)

My siblings and I went to Southlake schools between 1996 to 2006. We had to moved to Texas from the Midwest and I've lived in multiple states since 2006. Some of my info might be out of date. The culture at the Southlake school's was heavily geared toward sports. They have an indoor football practic...