Search found 118 matches

by SeaToTheBay
Tue Jan 15, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2092

Re: Can I afford a 50k car? If so, whats the best way to do it?

It sounds like you have a decent savings plan despite having a pile of money on the side - that's great. Have you thought about a Roth IRA? Maybe there is a less expensive car that will deliver 80 or 90% or what you're looking for? The flip-flop between a classic muscle car and leasing a new car say...
by SeaToTheBay
Tue Jan 15, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2092

Re: Can I afford a 50k car? If so, whats the best way to do it?

How did you get to $600K taxable and more in IRA at your age and income? Just curious - that's some serious saving and/or investment income! To me, "affording it" and "smart/worthwhile decision" are two different things. Seems like you can afford it. As a car guy myself, I know the temptation but I ...
by SeaToTheBay
Tue Jan 15, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 691

Re: Non-English speaking elderly care options

You said you are afraid MIL will dump grandma on your wife, but that's just your fear, correct? I think it's time for your wife to have a talk with her mother and see what her real needs are. It may be as simple as a little more money each month. Or shall your wife hire part time help a couple days...
by SeaToTheBay
Tue Jan 15, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232870

Re: Share your net worth progression

2006: 47k. Graduated college, bought condo 50/50 with parents (bad timing, good location - still have it and renting out). Had saved all money from birthdays, Christmas, etc. since I was 5, mutual fund since 10, usually $300/mo from HS/college side jobs into a Roth IRA. My parents set me up well wi...
by SeaToTheBay
Tue Jan 15, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 691

Re: Non-English speaking elderly care options

Are there any electronic translation devices that could help a caregiver who doesn't speak Grandma's language? Broken Man 1999 Not really. We haven't found any that work with spoken word. Sometimes I use Google Translate to type something to her, and it does a somewhat passable job, but Grandma doe...
by SeaToTheBay
Tue Jan 15, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 691

Re: Non-English speaking elderly care options

Are there any community groups or local churches that have a Bulgaria connection? She must feel extraordinarily isolated and needs some kind of community connection. Maybe some local Russian/Serbian/Slavic community groups or churches might be aware of elder care options that fit the community. An ...
by SeaToTheBay
Tue Jan 15, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10176

Re: Millionaire by 40 and How you Did it?

Hit $1M NW at 33 and should hit $1M portfolio at 35. A few positive factors: 1. My parents taught me great fundamentals. Saved all my Xmas and Bday money from age 5. Started mutual fund at age 10 (I picked it). Started Roth at 16 and my parents made me save $200/mo from my HS/college job (I saved $3...
by SeaToTheBay
Tue Jan 15, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 691

Re: Non-English speaking elderly care options

Are there cheaper solutions in Bulgaria that would work? We have thought about that - it would definitely be cheaper, as property is dirt cheap compared to the Bay Area(!) and healthcare is govt-sponsored. It's something we continue to consider, but there are a few things holding us back. #1, healt...
by SeaToTheBay
Tue Jan 15, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 691

Non-English speaking elderly care options

Situation in short: My wife was raised by her grandmother in Bulgaria from age 6-18 because her mom had moved to the U.S. and didn't want to take care of her (parents are divorced). We brought grandma to the U.S. five years ago, and she mostly lives with her daughter (my wife's mother) about 20min a...
by SeaToTheBay
Fri Sep 21, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: How to report water utility company overcharging and not providing service?
Replies: 2
Views: 382

How to report water utility company overcharging and not providing service?

I live in a ~2-year-old community of about 200 townhouses/condos and our HOA's water management (metering and billing) company has been not performing their job, and as a result, overcharging us or sporadically charging us. Most of us have had the exact same reported water usage and billed amount ov...
by SeaToTheBay
Mon Jun 04, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4631

Re: steel cut oats in bulk

I always microwave the "quick cook" steel cut oats for ~3min. Can you do this with "regular" steel cut oats?
by SeaToTheBay
Wed May 30, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)

Thanks for the information. Based on reading it seems like the RDX is the same size as the BMX X3, Audi Q5, and Volvo XC 60, but the RX 350 is considered a larger SUV. I have never rode in any of the other three and didn't realize they were smaller. Yes, it is a fair amount bigger. The RX is 5.6" l...
by SeaToTheBay
Tue May 29, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)

Pricing came out for the 2019 Acura RDX today. Starts at $37k and fully loaded is $48k. European competitors with similar equipment are a solid $10k more. Even the base model has things like driving assistant aids and a full-length glass roof.
by SeaToTheBay
Tue May 22, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Is this engine newer than the 1.5T and is it just matter of time when the problem with 2.0T start showing up? Or 2.0T has been used by Honda for last few years? I only know regular Honda engines and have not kept up with their current turbo offerings. The 2.0T is newer, yes. The 1.5T was first rele...
by SeaToTheBay
Mon May 21, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

wrongfunds wrote:
Mon May 21, 2018 9:47 am
Is Acura RDX using the CRV turbo engine which has been reported with fuel dilution problems?
No, it is the 2.0L turbo found in the upper-level Accords and Civic Type R.
by SeaToTheBay
Thu May 17, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I'd wait for the new 2019 Acura RDX. Should be an excellent all-around SUV at a better value than its peers. Will be at dealers next month. This vehicle does look really nice. I wonder what the price will be for a decked out model? I would assume high 40s, low 50's. Top-level 2018 RDX tops out at a...
by SeaToTheBay
Thu May 17, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10733

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I'd wait for the new 2019 Acura RDX. Should be an excellent all-around SUV at a better value than its peers. Will be at dealers next month.
by SeaToTheBay
Mon May 14, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1619

Re: Ratio of car repair cost to car's value?

On "Car Talk", Click and Clack used to talk about this. Say you're driving a $1000 car. You need new tires. Well, there's close to the value of the car just to get tires. But if you get the tires, you could drive another 50k miles or the car could need a transmission in 1000 miles. But even if it d...
by SeaToTheBay
Mon May 14, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 4314

Re: Used car, $20K-$25K

I like the Genesis idea. Lots of car for the $.
by SeaToTheBay
Tue May 08, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 3117

Re: Recommendation For Shirts

For dress shirts, ctshirts.com has great quality and $50/ea if you buy four (or $45 if you wait for a $179 for 4 deal). THIS CT by far the best value. Go on Slickdeals or elsewhere to find promo codes. Usually you can get shirts for $29.99 to $33 (3 for $99) and often free shipping. They have good ...
by SeaToTheBay
Tue May 08, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 3164

Re: New car for my wife

I agree AWD is not really necessary. However, if you like the Altima and still want AWD, the 2019 Altima offers it. Lots of other options too though.
by SeaToTheBay
Tue May 08, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 3117

Re: Recommendation For Shirts

For dress shirts, ctshirts.com has great quality and $50/ea if you buy four (or $45 if you wait for a $179 for 4 deal).
by SeaToTheBay
Wed Apr 25, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2924

Re: Do you have a car w/o ABS?

ABS isn't the only safety feature an older car doesn't have. Key active safety systems include: Automatic emergency braking (AEB): Brakes are automatically applied to prevent a collision or reduce collision speed. Forward-collision warning (FCW): Visual and/or audible warning intended alert the dri...
by SeaToTheBay
Tue Apr 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Have 2 cars keep both?
Replies: 8
Views: 670

Re: Have 2 cars keep both?

Definitely sell one. Maintaining, insuring, registering, cleaning, and parking two cars can be a pain, and that's coming from a car enthusiast. These cars are similar enough where you're not really getting much added utility from having two - sell one.
by SeaToTheBay
Tue Apr 24, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 33
Views: 2987

Re: Car for 23 year old

Parts are more expensive. Lexus is the Acura of a Honda. I had the oil pan go on my Honda Civic EX, the ex model used the Acura Integra engine, the difference in price was $275 and you had to buy the pan from the dealer only, there were no aftermarket parts. The Civic EX has never shared an engine ...
by SeaToTheBay
Wed Apr 04, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6278

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Bought in the Bay Area 1.5yrs ago, which ended up being a great decision. We bought a little more than we needed (3bd/3ba, in order to take care of Grandma-in-law and the kid we plan to have in the near future) which ended up being a good idea. It would be hard to afford even the same home now given...
by SeaToTheBay
Wed Apr 04, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

I don't see the entertainment in this. Winding country road or traffic in the city I drive the same way. Obey the traffic laws, slow down for turns, accellerate, gently, out of them. "Nailing" the throttle wastes gasoline, contributes unnecessary air pollution, puts more stress tires leading to fas...
by SeaToTheBay
Wed Apr 04, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

So a 'nimble' , 'responsive' and dare I say 'tactile' car is dangerous to others? :x Yes. I get it that some people are car people, and are good drivers, and enjoy the feel of a car. But, if you are in traffic, and you are making moves that require a "responsive" and "nimble" car, you are driving m...
by SeaToTheBay
Wed Apr 04, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

123 wrote:
Wed Apr 04, 2018 1:52 pm
You have to get into the right Toyota mindset. Dare to be dull. Believe it, I do.
Not too many years ago, their commercials touted "Grounded to the ground" handling. Whatever that means. Gravity?
by SeaToTheBay
Wed Apr 04, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

None of that involves "driving like a jerk" thank you very much. I have driven from age 16 to 34 this month, including 50-60 autocross races and going to trackdays a few times in different cars. Have had a perfectly clean driving record every single year of that time. Please do not judge what you d...
by SeaToTheBay
Wed Apr 04, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

No vehicle is “fun” unless you drive it like a jerk. Not true. Even in traffic, a responsive, nimble, sporty car with lots of tactile feedback in the controls is a lot more engaging and interesting than a Camry. If you’ve ever read a drivers license handbook carefully, you’d find it is true. Especi...
by SeaToTheBay
Wed Apr 04, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

bottlecap wrote:
Wed Apr 04, 2018 11:42 am
No vehicle is “fun” unless you drive it like a jerk.
Not true. Even in traffic, a responsive, nimble, sporty car with lots of tactile feedback in the controls is a lot more engaging and interesting than a Camry.
by SeaToTheBay
Wed Apr 04, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 7201

Re: 2018 Camry. What's wrong with me?

How much space do you need? Something like a VW GTI will not cost much more and still has a surprisingly decent amount of space, while being far more fun.
by SeaToTheBay
Wed Apr 04, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 11605

Re: How Do You Value Your Home for Net Worth Purposes?

I take the average of Zillow and Redfin estimates (in my case, they both seem quite realistic given local comps) and subtract our mortgage amount. I am not sure why you wouldn't factor it into NW. I agree it is not really an "investment asset" but that's a separate calculation from NW. I would much ...
by SeaToTheBay
Tue Mar 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 5230

Re: Cost of College vs Starting Income

Image
Speaks for itself.

In-state high-quality public university is where the value is.
by SeaToTheBay
Mon Mar 19, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 7926

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

Not a car person myself, but I like the Livesoft Rule for Extravagant Purchases heuristic. It makes good sense to me as a way to measure the true impact to one's financial situation. That said, I think it is important, in my opinion, to take into consideration the optics of such extravagant purchas...
by SeaToTheBay
Mon Mar 19, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 35723

Re: Those with high savings rate: why?

1) I've always been fairly frugal, except for the things that I really love (for instance, cars and travel). If I'm spending money I need to get good value from it. 2) Our income has increased pretty quickly post-MBA and I feel no need to ramp up expenses to match. 3) Recently, I've become tuned in ...
by SeaToTheBay
Mon Mar 19, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21779

Re: For BHs who actually like cars - [what car do you drive every day?]

Keep that car up the E39 M5 is the best 4 door car ever made Clarified that for you... :mrgreen: OMG YES!!! I keep telling myself I'm going to buy one but I can't bring myself to daily drive it...They're getting rare and I'd feel awful if I dented it or crashed it or anything. Thats why I love my E...
by SeaToTheBay
Mon Mar 19, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 7926

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I'm about your age, similar income (a bit less individually, a bit more combined), no kids yet (plan on one in next 1-2yrs), lower NW but at a great level saving at a very good clip. Also addicted to cars since I was a fetus. A few months ago my wife proposed that I start a "dream car fund" where a ...
by SeaToTheBay
Thu Mar 15, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 6342

Re: Tires on a 15 year old car....Replace or not?

Never skimp on anything that is between you and the ground. This includes, but not limited to, beds, shoes, and tires. Great quote! I'd be more concerned with traction/stopping distance than a blowout, although that is a concern as well. It's the only part of the car that touches the road, and ther...
by SeaToTheBay
Thu Mar 15, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118764

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I believe it is the same 1.5 liter turbo motor as the the Accord from 2018 but it also is in the 2016+ Civic which has been around for a while so check to see how those have been running and any fixes there. The turbo in their engines is here to stay for a while and Hondas are very reputable so bel...
by SeaToTheBay
Tue Mar 13, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 68
Views: 6893

Re: Need help on car decision: Honda CRV vs luxury car used

I don't drive a lot of miles and the miles I do drive are mostly coasting. Our cars seem to last for 15-16 years. Do you mean highway cruising? Hard to coast without first accelerating. Oil and other fluids have a shelf life - they don't just degrade with miles. 15-16 years really isn't that long i...
by SeaToTheBay
Tue Mar 13, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 10402

Re: traveling to mexico, should I be concerned?

+1. The other interesting aspect of this is that traveling to a place where it is not safe to really mix with the locals - where it is recommended that you take prearranged transportation directly to your foreigner-filled resort, and not venture elsewhere - how is that mind-expanding? I have a frie...
by SeaToTheBay
Tue Mar 13, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 68
Views: 6893

Re: Need help on car decision: Honda CRV vs luxury car used

Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. They recently added like 100 pounds of sound insulation to the Mazda CX-5, and the interior is supposed to be very nicely done. Any reas...
by SeaToTheBay
Mon Mar 12, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42591

Re: What UN-frugal thing do you do?

Cars and travel. We take a 1.5-2 week trip every year to somewhere overseas, stay in fairly nice hotels, and typically eat out and fly everywhere instead of taking a train/bus/etc. My logic is if we're going all that way, better to take a 1-2hr flight than spend half a day on a train - you're wastin...
by SeaToTheBay
Mon Mar 12, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 68
Views: 6893

Re: Need help on car decision: Honda CRV vs luxury car used

As a car nut, I always suggest CPO 2-3 years old. You get a very similar car to new without taking the worst of the deprecation hit, and get just about the same warranty since they usually tack on 2 years of warranty on top of what's left of the original. Have you looked at a CPO CR-V? You might be ...
by SeaToTheBay
Mon Mar 12, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 10045

Re: Tax reform SALT affecting in Bay Area?

Personally I have run into 2 other people in real life who are furious about the amount of deduction lost, but unaware that they total taxes will be only slightly higher, the same, or even lower, with the new tax brackets and/or child tax credits, instead of "losing $20k in deductions at 33% margin...
by SeaToTheBay
Wed Mar 07, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20794

Re: What was your % pay raise?

2016: +5.4% salary, +40% bonus (included a promotion) 2017: +15.1% salary (about half at mid-year), +34% bonus (included a promotion/role shift) 2018: +13.9% salary (about half at mid-year), +22% bonus I should mention I graduated from MBA in 2013 and every incoming MBA to the company got the exact ...
by SeaToTheBay
Tue Feb 27, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Value of an Elite MBA
Replies: 58
Views: 6658

Re: Value of an Elite MBA

1) If I wanted to move back to my old industry, I could do so much more easily due in large part to the high-tier MBA. I have actually interviewed with top companies in my old function, but ended up turning them down for various reasons. ... 3) I have a network I can call on whenever I need career ...
by SeaToTheBay
Mon Feb 26, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4984

Re: Ethics of selling a used car

If a car has expensive known issues, I'll sell/trade to a dealer. They have the opportunity to have their mechanics go over it before they buy it and they can figure things out and the cost to fix better than I can. If the car is overall in good shape, I'll sell privately. I'll tell the buyer what ...