Search found 93 matches

by cal91
Tue Oct 09, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3227

Re: Kirkland (Costco) Razor

I use a double-edged razor as well - but have been using a single-edged the past few days. The razor is likely an antique but the blades are not, I get a nice shave every time for much less than the cheapest cartridge razor. The main downsides - carrying blades on a plane (they must go in checked l...
by cal91
Wed Aug 01, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Collections Record on Credit Score
Replies: 4
Views: 285

Collections Record on Credit Score

Hey all, In June of 2014 I graduated college and moved. I shared a router with roomates but the router was in my name. I terminated my internet plan and was instructed to mail or physically return the router. Because my roomates were going to be around for another week I told them they could keep th...
by cal91
Mon Jul 30, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Don't count on Mean Reversion
Replies: 3
Views: 836

Re: Don't count on Mean Reversion

I agree, I've seen a lot of people, Bogleheads included, misuse the principle of Mean Reversion. Misunderstood Version of Mean Reversion: X has been doing much better than average in recent years, thus it is more likely to start doing worse than average in the coming years. Correctly understood vers...
by cal91
Mon Jul 16, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10454

Re: Why own a bed?

The real reason we all use box frames to support our beds is so that we can sit at a comfortable height while putting our socks on in the morning.
by cal91
Mon May 21, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Combine IRA into 401k account
Replies: 1
Views: 225

Combine IRA into 401k account

I have a Roth IRA account I funded in college before I had a 401K option. Now that I've been funding my Roth 401k account, I'd like to just put my roth IRA funds into my Roth 401K. Is it possible to do this, or is it more headache than it's worth? My reason to do so is only so I have a single place ...
by cal91
Mon Apr 09, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Convert attached carport to Living Space
Replies: 16
Views: 1499

Re: Convert attached carport to Living Space

We've decided against doing the carport. The risk (plus headache) to reward wasn't worth it. Thanks all for the input.
by cal91
Tue Apr 03, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Convert attached carport to Living Space
Replies: 16
Views: 1499

Convert attached carport to Living Space

My current home has an attached carport we're thinking of converting into living space. We would only do it if we think that the improvement adds more value to our home than it costs because we are going to be moving into a larger house in 3 years. The house is just small for my family of 5 right no...
by cal91
Wed Feb 21, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Family Leave - California
Replies: 24
Views: 3594

Re: Paid Family Leave - California

Just to follow up, I am the Dad, I just like to take credit for having the baby :). 3rd baby, first in California. Wife is an "ambitious" stay at home mom. We (she) ended up having the baby on a Friday. I used a sick day for that day, and helped her over the weekend. I returned back to work on Monda...
by cal91
Fri Jan 12, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

Re: When to upgrade House

Thanks everyone for their input/advice, it is appreciated! I respect and have/will consider everyone's posts.
by cal91
Thu Jan 11, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

Re: When to upgrade House

Where are you getting 5.5% fixed interest? FIL owns a business and that is what they are paying us. I know it's a screaming deal, I've pressed him about it saying I don't want him doing us favors but he says that it is beneficial to the company and we should take full advantage of it guilt free. I ...
by cal91
Thu Jan 11, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

Re: When to upgrade House

Another question.... If 950sq ft houses go for 300k in your market, how do you plan to get 3000sq for 500k? Giong by the $/sq of hte current house, the big one is probably closer to a million. Atleast in my area the relation is the more sf there is, the cheaper per sf it is. And thats based on actu...
by cal91
Wed Jan 10, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 75
Views: 8536

Re: Things to Do and See on Kauai, Hawaii

Poke was excellent and the best I had was from a food truck in Hanalei on the north side. It was so good that after trying it at a number of places, we went back there just for the Poke towards the end of our trip. I also tried spam musubi, plate lunch and Puko dogs, all recommended by Bogelheads. ...
by cal91
Wed Jan 10, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

Re: When to upgrade House

And yes, I do have a 20 year 1M life insurance policy on myself and 20 year 500k policy on my wife
by cal91
Wed Jan 10, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

Re: When to upgrade House

Thanks to all the responses! Yes, I know that's way too much house off of 75k. Honestly I don't know why I said 5 beds, that is too much now that I think about it. 4bd 2 bath or even 3bd 2 bath would be fine. The single bathroom is pretty tight right now, but I do plan to stick in this house as long...
by cal91
Wed Jan 10, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2742

When to upgrade House

My family of five (26yo,24yo STAHM, 4yo 2yo + newborn) currently live in a 2-bedroom 1 bathroom house, 945 square feet we bought two years ago ($224K mortage on $300K house). We plan on having another child in 2 years and another 2 years after that. We can live here for another couple years before w...
by cal91
Tue Jan 09, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block not counting Child Tax Credit
Replies: 5
Views: 740

Re: HR Block not counting Child Tax Credit

The Child Tax Credit appears to be nonrefundable. You can read about that in the Instructions and/or on the IRS web site. That is, what does nonrefundable mean? An issue with tax software is that it seems to hide the instructions and explanations from the taxpayer. Well then whats the point of havi...
by cal91
Tue Jan 09, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block not counting Child Tax Credit
Replies: 5
Views: 740

HR Block not counting Child Tax Credit

I've always used Turbo Tax but this year decided to use HR Block. Am I missing something? I've ran an estimate for my tax return. This is what HR Block summarizes . (Even though on the Credits tab summary it shows I have a $3000 child tax credit). AGI = 75,621. Deductions = 20,744 Exemptions = 20,25...
by cal91
Tue Jan 09, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Real estate going bonkers
Replies: 10
Views: 2311

Re: Real estate going bonkers

ohboy! wrote:
Tue Jan 09, 2018 3:38 pm
Prices are maybe 10% higher than the peak 9 years ago. Markets and money supplies are considerably higher. Maybe this house worth $1.2m by next fall.
Where can I see real estate price histories? Zillow only shows me last 5 years :/ Thanks in advance
by cal91
Tue Jan 09, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Real estate going bonkers
Replies: 10
Views: 2311

Re: Real estate going bonkers

Wait for the bubble to pop. Then buy.
by cal91
Fri Jan 05, 2018 7:35 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 11689

Re: Misuse of adverse when averse was meant

If people do it wrong enough, it becomes correct. It makes my hair literally catch fire. https://www.google.com/search?ei=shNQWufuO4KijwS4-qPoDQ&q=literally&oq=literally&gs_l=psy-ab.3..0i67k1l3j0i20i264k1l2j0l3j0i67k1j0.1808.2664.0.2837.9.7.0.0.0.0.240.732.0j3j1.4.0....0...1c.1.64.psy-ab..5.4.730.....
by cal91
Fri Jan 05, 2018 6:58 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 11689

Re: Misuse of adverse

The European Commission has just announced an agreement whereby English will be the official language of the European Union rather than German, which was the other possibility. As part of the negotiations, the British Government conceded that English spelling had some room for improvement and has ac...
by cal91
Tue Jan 02, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 37
Views: 5583

Re: My 2017 Budget

California Family of 5 (26yo + 24yo + 4yo + 2yo+newborn) Gross Income = 75K 16002 PITI 8039 Tithing/Charity 6888 Food (including eating out) 6000 Medical Costs (hit max OOP w/ baby) 4994 Walmart 2950 Health Insr 2875 Gas 2605 Concrete Patio Home Improvement 2492 Utilities 1727 Amazon 1032 Car Maint/...
by cal91
Fri Dec 29, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 7014

Re: The Growing Peril of Index Funds: Too Much Tech

gd wrote:
Fri Dec 29, 2017 7:32 am
Can't read the original article, but I'd be more concerned if my index fund was heavily weighted to steel manufacturers.
As someone in the steel industry I'm curious what you are saying.
by cal91
Thu Dec 28, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1528

Re: Think Home might have Asbestos (what to do?)

If the material is falling apart, flaking, etc. then you will need professional help removing it. But, depending on state and local laws, you might be able to cheaply remove it yourself as the owner if the material is not friable. Really? I have heard that it is unadvisable to attempt to remove it ...
by cal91
Thu Dec 28, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1528

Re: Think Home might have Asbestos (what to do?)

I am curious why you now think it may be the case? Is it anecdotal evidence (all houses around here have asbestos ceiling tiles), or is it evidence based? If it is just a wondering curiosity, you probably don't have any need to disclose, because you truly do not know. Because I have learned that as...
by cal91
Thu Dec 28, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1528

Think Home might have Asbestos (what to do?)

Hello, I bought my first home last year. It was built in 1954 and has 12"x12" white ceiling tiles. I knew nothing about asbestos at the time and was not informed at all by anyone through the process of purchasing the home. I've since learned that there's a good possibility my ceiling could have asbe...
by cal91
Thu Dec 14, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today; starting to see impact of compounding over time
Replies: 11
Views: 2401

Re: Hit a milestone today; starting to see impact of compounding over time

I’m afraid the recent years market results may have had a far larger influence than the effect of compunding. Same thing. Isn't that what people mean when they say "compounding"? I mean, the stock market doesn't compound. Your stock market investments don't return a certain % compounded annually. I...
by cal91
Mon Dec 11, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1734

Re: Paying off a mortgage with an almost non-existent rate

Wow. I've never heard of an interest rate that low. NACA? Do you have to meet qualifications to use it?
by cal91
Fri Dec 08, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 21791

Re: Call the top! - Bitcoin

https://vignette.wikia.nocookie.net/mlp/images/0/04/Dr_-Evil-One-Million-Dollars.png/revision/latest?cb=20130727183557 I was at a restaurant this morning eating breakfast. At one of the tables, four blue-collar-type men were discussing guess what: Bitcoin! From their conversation, they were obvious...
by cal91
Wed Dec 06, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 14377

Re: Price of haircut?

My cost is making dinner and putting the kids to bed. (Wife cuts my hair)
by cal91
Tue Dec 05, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 45
Views: 5031

Re: Paying taxes with credit card?

Nope don't pay taxes with a credit card. I did pay large college tuition bills with a credit card until the university instituted a 2% fee. Added: Instead of paying taxes with credit card, I overpay taxes and get a nice bonus for doing so. It's not like the old days where a so-called "interest-free...
by cal91
Mon Dec 04, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 1251

Re: Learning how to spend money

Why do you feel you need to spend more? Will spending more provide you with more happiness? Maybe still living the frugal lifestyle you've grown accustomed to makes you happier, and you can "spend" more buy giving more. Just a different perspective/ thinking about it a different way.
by cal91
Tue Nov 14, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Solved] Starting investing in a long-run bull market: advices ?
Replies: 15
Views: 2040

Re: Starting investing in a long-run bull market: advices ?

I know I should not try to time the market, but I cannot help but be afraid by the current state of the bull stock market. I'm afraid that by investing now, it will go down soon and then recover to mainly the same value in 10 years. What is funny is that is just about the best thing that could poss...
by cal91
Tue Nov 14, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: [Solved] Starting investing in a long-run bull market: advices ?
Replies: 15
Views: 2040

Re: Starting investing in a long-run bull market: advices ?

I know I should not try to time the market, but I cannot help but be afraid by the current state of the bull stock market. I'm afraid that by investing now, it will go down soon and then recover to mainly the same value in 10 years. What is funny is that is just about the best thing that could poss...
by cal91
Thu Nov 09, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 7040

Re: Worth changing 40 gal. to 30gal. hot water tank?

Point wrote:
Thu Nov 09, 2017 10:03 am
Insulate the tank with a good water heater blanket and don’t sweat it
I have not heard of this, but it seems so logical I can't believe I haven't thought of it. Is this pretty effective for increasing efficiency? Where would I buy a blanket.
by cal91
Wed Nov 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Disability & Umbrella Insurance
Replies: 4
Views: 524

Disability & Umbrella Insurance

I've got Auto, Homeowners, Health, and Life insurance. I understand why and how much I need for all of these. I've recently become aware that I also need disability and umbrella insurance. I'm very uneducated about both of these. How do they work? How do I calculate how much insurance, if any at all...
by cal91
Thu Oct 12, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 8
Views: 772

Re: Mortgage Prepayment Question

Does paying off principal reduce your monthly amount, so a 30 year mortgage stays at a 30 year mortgage?

Or does it reduce your time horizon. (Your payments are still the same, but your time horizon is shortened)
by cal91
Wed Oct 11, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2619

Re: I Bond fixed rate mystery

I'm rather uneducated about I bonds. Any good links to educate myself a bit? Thanks!
by cal91
Tue Sep 26, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Worth Refinancing?
Replies: 12
Views: 1307

Re: Worth Refinancing?

One other avenue to consider is to call up your lender and ask for a new appraisal, with the goal of eliminating PMI based on the new LTV ratio. This of course won't lower your rate or change your payment, but it will save the PMI until you sell. They may do it, they may not. They prob won't pay fo...
by cal91
Tue Sep 26, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Worth Refinancing?
Replies: 12
Views: 1307

Re: Worth Refinancing?

Admiral wrote:
Tue Sep 26, 2017 10:01 am

What kind of "account" guarantees 5.5% in the current interest rate environment? Just curious.
Father In Law's family owned business :)
by cal91
Tue Sep 26, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Worth Refinancing?
Replies: 12
Views: 1307

Re: Worth Refinancing?

Thanks for all of the replies! I've thought about doing a 15 year loan, but I have an account that guarantees 5.5% returns (I know nothing is a guarantee but anyways...). So i thought it would be better to keep the 30 year loan and put the rest of my house savings in the 5.5% account. I'll try shopp...
by cal91
Mon Sep 25, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Worth Refinancing?
Replies: 12
Views: 1307

Worth Refinancing?

We are paying $157/month on our PMI and I'd love to get rid of it, but we will most likely be moving in about 3 years. The value of our home has increased and we are probably at to 80% LTV. We have an FHA loan, and I'm wondering if there truly are "no cost" refinancing options. Will lender's absorb ...
by cal91
Mon Sep 25, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Buying 14 Plane Tickets - Sac to Cabo San Lucas
Replies: 14
Views: 2292

Buying 14 Plane Tickets - Sac to Cabo San Lucas

My family is going to be going to Cabo San Lucas June 18 - 23. We need 14 plane tickets, and I'm wondering if anyone has suggestions of when/where/how to buy?

Thanks!
by cal91
Tue Sep 19, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 5832

Re: Grass trimmer

Buying a trimmer this week.

Why do people not recommend buying from a big box store? Home Depot has Echo, which everyone here seems to like. Does Home Depot just charge you more than a lawn equipment store?

Also, why straight shaft over curved?
by cal91
Tue Sep 19, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 3904

Re: Bitcoin AA - Just out of Curiousity

Thanks for your opinion. How can you be late to a game if you're not playing it? I guess you're late to the game as well!

And FYI, my answers are the same as yours :)
by cal91
Tue Sep 19, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 3904

Bitcoin AA - Just out of Curiousity

While most Bogleheads seem to agree that Bitcoin is glorified gambling, I've come across some posts that believe it is the next big thing. I'm curious if their money is where their mouth is. Not sure if I'll get any responses answering these, but here are the questions. 1.What percentage, if any, of...
by cal91
Tue Sep 12, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 3906

Brother in College Co-Signing w/ Buddy for Duplex

My Brother has one more year in college in Utah. He's not sure he'll be in Utah after he graduates, he could be anywhere in the country. He does pretty well and makes roughly 60 K a year from summer sales and is looking to invest his money. I told him to max out his roth IRA, which he'll be doing. H...
by cal91
Mon Aug 21, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Increasing Loan - to Value Ratio
Replies: 9
Views: 996

Re: Increasing Loan - to Value Ratio

Thanks for all the helpful replies. Probably a question for my lender and not the Bogleheads, but does the 24 month rule apply for FHA loans ? I'm technically paying MIP, not PMI, so rules might be a little different than a conventional loan. Either way, I do think I'll try contacting another lender...
by cal91
Fri Aug 18, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing Loan - to Value Ratio
Replies: 9
Views: 996

Increasing Loan - to Value Ratio

I have a $223,000 loan on a 945 sq. ft. house, HCOL in CA, thats worth about $255,000 - $270,000 (from looking at comps). ~86% LTV. I want to get rid of my PMI through a no-cost refinance. I've heard that you need 80% LTV to not have PMI. I have $11,000 which may or may not be enough to pay off my l...
by cal91
Thu Aug 03, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Taxes
Replies: 9
Views: 1148

Re: Taxable Account Taxes

Thanks everyone, and yes I forgot to clarify about only paying cap. tax on the actual gains, not the contributions. Edit: I just thought of another question. I am currently at the top of the 15% tax bracket, and with a raise this next year I will be in the 25% tax bracket. I have savings in a taxabl...