Search found 46 matches

by ADower
Tue Nov 27, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6205

Re: Broken Sewer pipe - $10,000 to fix

Home warranty is your best bet if you have one.
by ADower
Tue Nov 27, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4923

Re: When is Too Long to Return a Hair Dryer to Costco?

I returned a camera security system that I had for six years (unopened - forgot we bought it and found it while I was cleaning out the attic) to Costco for a full refund yesterday. I was super surprised since its considered electronics and they only have a 90 day return policy on these type of item...
by ADower
Tue Nov 27, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7391

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

Sounds normal. They’re probably running up against the statue of limitations.
by ADower
Mon Nov 26, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4923

Re: When is Too Long to Return a Hair Dryer to Costco?

I returned a camera security system that I had for six years (unopened - forgot we bought it and found it while I was cleaning out the attic) to Costco for a full refund yesterday. I was super surprised since its considered electronics and they only have a 90 day return policy on these type of items.
by ADower
Mon Nov 26, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3852

Re: Federal Job Offer - Should I take it?

I wouldn't do it. I believe that there was a report that came out recently that stated, "117K in yearly salary in the bay area is considered low income". The federal benefits are virtually unmatched though. Pension, 5% match, Dirt cheap health insurance, tons of paid time off... I currently work fo...
by ADower
Mon Nov 26, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9699

Re: What financial information do you share with your family and relatives?

With my immediate family I share pretty much everything.

The extended family I share some info. However, it depends on their financial position. Some of the extended family gets jealous very easy in regards to money.
by ADower
Mon Nov 26, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3852

Re: Federal Job Offer - Should I take it?

I wouldn't do it. I believe that there was a report that came out recently that stated, "117K in yearly salary in the bay area is considered low income".
by ADower
Mon Sep 24, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4084

Re: How often do you guys get alignment done on your cars?

I get one every time I do an oil change.

I bought tires from firestone at one point and they had a discounted lifetime alignment promotion as long as I owned the vehicle.

Otherwise, I would just do it when I got new tires or had any suspension work done.
by ADower
Mon Sep 24, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2379

Re: How to watch baseball playoffs without cable

Super easy!

If you have an iPhone you need to buy an HDMI to DVR cable. They're ~40$. Next, go buy a gold tip HDMI Cord.

Search on reddit for live feeds of the game on your phone. Plug the phone into the HDMI to dvr cable and the HDMI cord into the tv and you've got free games.
by ADower
Fri Aug 24, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2182

Re: Real estate in SF bay area

Warning!! Long winded post.... My wife’s grandmother owns a home in Westlake which is a subdivision in Daly City. Westlake is one of the nicer areas in the city as a whole. The conversation of what will happen to the home has started to come around as my wife’s grandma has turned 101 this year. The...
by ADower
Fri Aug 24, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2182

Re: Real estate in SF bay area

Warning!! Long winded post.... My wife’s grandmother owns a home in Westlake which is a subdivision in Daly City. Westlake is one of the nicer areas in the city as a whole. The conversation of what will happen to the home has started to come around as my wife’s grandma has turned 101 this year. The...
by ADower
Thu Aug 23, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2182

Re: Real estate in SF bay area

Warning!! Long winded post.... My wife’s grandmother owns a home in Westlake which is a subdivision in Daly City. Westlake is one of the nicer areas in the city as a whole. The conversation of what will happen to the home has started to come around as my wife’s grandma has turned 101 this year. The...
by ADower
Thu Aug 23, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2182

Re: Real estate in SF bay area

Has she owned it long enough to have a low Prop 13 tax assessment? You can look up the tax info here. http://www.sanmateocountytaxcollector.org/SMCWPS/pages/secureSearch.jsp If so, and if it the transfer can be arranged to preserve it, there would be an advantage to this property vs another. IIRC i...
by ADower
Thu Aug 23, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2182

Real estate in SF bay area

Warning!! Long winded post.... My wife’s grandmother owns a home in Westlake which is a subdivision in Daly City. Westlake is one of the nicer areas in the city as a whole. The conversation of what will happen to the home has started to come around as my wife’s grandma has turned 101 this year. Ther...
by ADower
Wed Jun 20, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2177

Re: Sacramento Home Owners - House Areas/Questions

We just took a trip to El Dorado Hills yesterday. Going up was a pain due to a lot of traffic. Once we got to the Sacramento area, there were also random pockets of traffic on the 50. Is this common on a weekend? We went to visit a friend who lives in the Serrano gated communities. Completely surre...
by ADower
Wed Jun 06, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2177

Re: Sacramento Home Owners - House Areas/Questions

Wife and I are thinking about buying a place in the Sacramento area but have little to no insight on what areas to look in at the moment. A friend of mine just moved to El Dorado Hills and suggested there and/or Granite Bay. Had a few questions for those who know the area: 1. What are "good" areas ...
by ADower
Tue Feb 20, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21608

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

Daily car - Toyota Tacoma
Fun Car - 2003 Mustang Cobra
by ADower
Wed Feb 07, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs Roth IRA
Replies: 5
Views: 530

Re: 529 vs Roth IRA

We paid for our teenagers' Roth IRA contributions whenever they had work income. We didn't start saving at age 2 for that because the amounts were so small (they were not CEOs of major corporations in their first jobs) that we could make the contributions from our normal cash flow. As for sitting p...
by ADower
Wed Feb 07, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs Roth IRA
Replies: 5
Views: 530

529 vs Roth IRA

I would like to get some input on opening a 529 vs Roth IRA for my child. My daughter is 2 years old and my wife and I have ~11k saved for her in a bank account. We are trying to decide whether to open a 529 or Roth IRA for her. I know at this point a Roth IRA is not possible since she does not have...
by ADower
Wed Feb 07, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1652

Re: Water Leak from shower stall - how to detect

If you are in the least bit handy. Cut out the drywall where the discoloration is at. Run the shower and see if you can find out where the water is coming from. Fix the leak and patch the drywall. Worst comes to worst if you cannot find the leak you call the plumber and just re-patch the hole for 50...
by ADower
Tue Feb 06, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 296
Views: 253735

Re: A time to EVALUATE your jitters

I'm 90% (large cap stock index fund) / 10% (bond index fund) in my 401k. Not really stressing over the drop. I still have 30+ years until retirement :sharebeer
by ADower
Tue Feb 06, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

You best bet is to sign up for Rolex Forums and buy from the classifieds. There are many 'trusted sellers' with brand new watches available, still has the stickers, come with box & papers and full factory warranty of 5 years. Look here for classifieds: https://www.rolexforums.com/forumdisplay.php?f...
by ADower
Tue Feb 06, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

For anyone who has purchased a Rolex at a brick and mortar. Did you try to negotiate price? If so, what did you use for price justification. Were the dealers open to negotiation?

I'm sure that most brick and mortar stores have a substantial markup due to overhead / staffing.
by ADower
Mon Feb 05, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

HQ milton has nice pre owned models. Jomashop would be a good gray market dealer to look at, but honestly with a Rolex, the discounts you can find on a new model are not worth the loss of the papers and certificate, etc. Buy it from the store, keep the box and papers pristine, take it in for servic...
by ADower
Mon Feb 05, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

The brick and mortar places I've been to are DeVon's and some local smaller retailers. I am a big fan of supporting local business but am also wanting to get the best deal. Don't go to a brick-and-mortar store. The watches are really gorgeous in person. :shock: As my car-guy FIL said, " Never test-...
by ADower
Mon Feb 05, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

Wow -- 1100 point drop and a Rolex question! Clicked to see if this was "who wants to buy a Rolex?" :D Otherwise, just a bump. There are some great sites that others will weigh in with. Like Rolexforums, watchuseek... DS sends me links all the time; he's the only male heir to the 'doo family "fortu...
by ADower
Mon Feb 05, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Re: Rolex

HQ milton has nice pre owned models. Jomashop would be a good gray market dealer to look at, but honestly with a Rolex, the discounts you can find on a new model are not worth the loss of the papers and certificate, etc. Buy it from the store, keep the box and papers pristine, take it in for servic...
by ADower
Mon Feb 05, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5797

Rolex

For those who have a Rolex;

I am looking into purchasing my first Rolex and am wondering if you guys can recommend a place to check out online that might be better price wise than a brick and mortar dealer.

Thanks in advance.
by ADower
Fri Jan 12, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 5448

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

A close family friend owns a Mercedes dealership. He told me, never own an European car without a factory warranty.
by ADower
Fri Jan 12, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 5409

Re: Help me stop my addiction to stock market peeping!

I check my stocks everyday. However, I literally take about 5 mins and I don't really freak out if they go up or down.
by ADower
Thu Jan 11, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 6174

Re: Car accident - was directed to sign release

I guess it's a matter of opinion. I consider a $1000 rear end damage a minor crash. "NHTSA recommends that child safety seats and boosters be replaced following a moderate or severe crash in order to ensure a continued high level of crash protection for child passengers. NHTSA recommends that child...
by ADower
Thu Jan 11, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 6174

Re: Car accident - was directed to sign release

I have a friend who is an insurance adjuster; You will not get diminished value. The only time they ever even think about paying this is if you have a high end car. 100K+ Pain and suffering - Ask for 2-3X of the total medical costs and negotiate from there. Medical Bills - They pay them all in full.
by ADower
Wed Dec 13, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 13128

Re: 2018 financial goals - what are yours?

1. Max 401k
2. Max Roth IRA
3. Start putting away money for our daughter. Going to open a ROTH IRA for her when we can. We believe it will be more beneficial than a 529.
by ADower
Tue Dec 12, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 2156

Re: Progressive Insurance

If you can get USAA check out their rates.
by ADower
Tue Dec 12, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53960

Re: That Extravagant Thing You Do

Kitchen Remodel
Bought several pieces of Dr. Suess Art
Bought my dream car - Notchback foxbody mustang
Sac Kings Season tickets yearly
by ADower
Thu Dec 07, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1422

Re: Week in San Diego over Christmas

dm200 wrote:
Tue Dec 05, 2017 1:20 pm
Mixed feelings.. Saw Shamu in San Diego and later in Orlando. Enjoyed, but that was before the truth came out...
Same mixed feelings about circus elephants .. First the elephants and then Ringling Brothers shuts down ...
X 3
by ADower
Thu Dec 07, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 2003

Re: sharing cost of tree cutting

I believe that dangerous situations are more nuanced and dependent on state law e.g. rotten limbs. But here it should be entirely up to him. Cutting those branches will not help much if the wind is blowing anyway. He has a right to cut them back to the property line in a manner that does not hurt y...
by ADower
Mon Dec 04, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1555

Re: Trip to Los Cabos - do I need to have Pesos?

Just got back from Los Cabos two weeks ago. What resort are you staying at? We stayed at Cabo Azul. It is not necessary to have pesos for bus / taxi. However, depending on how much travel you're going to be doing, exchanging 20-30$ USD for pesos would be beneficial. If you're going to take a taxi fr...
by ADower
Sat Sep 30, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

Our situation is similar to yours, though our household income is about $25k less. I plan to retire at age 61.5 with a pension that's a little under $100k (2.4% of salary x number of years). We also have one child (age 3) with no plans for another. Our mortgage is also 3.25% fixed. We also have tax...
by ADower
Fri Sep 29, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

If you wife's 401(k) has an employer match, you should certainly contribute enough to get the match. My husband and I both have traditional pensions too. While we never maxed out our 401(k)s, we contibuted about 8% (plus matches) on average over the course of our careers. While the tax deduction wa...
by ADower
Fri Sep 29, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

My argument is that we should continue to use her excess income to pay down the principle of the house. Her argument is that she thinks it would be best to open a 401k and start to invest lightly and pay less towards the principle of the house. If you were in this position what would you do? Anothe...
by ADower
Fri Sep 29, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

runner540 wrote:
Fri Sep 29, 2017 5:26 pm
I've rarely seen so much agreement on a thread! Your wife is right to prioritize tax advantaged space. Is it a 403(b) if it is the state employer?

401k's also have some of the best protection from bankruptcy and lawsuits.
It is definitely a 401k.
by ADower
Fri Sep 29, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

Not paying tax (now) on a pre-tax $18k to the traditional 401k and deferring paying tax to "down the road" seems to make sense in this scenario. As long as it isn't adversely affecting your overall budget. When withdrawing during retirement you might not be in CA and would likely pay the same or lo...
by ADower
Fri Sep 29, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

My argument is that we should continue to use her excess income to pay down the principle of the house. Her argument is that she thinks it would be best to open a 401k and start to invest lightly and pay less towards the principle of the house. If you were in this position what would you do? Be hap...
by ADower
Fri Sep 29, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Re: Should my wife start a 401k

^^^
Thank you for your input.

Yes, my wife has the opportunity to open a 401k at her place of employment. We are both employed by the state of California. Our 401k is through Savings Plus and most of the index funds are managed by Blackrock.
by ADower
Fri Sep 29, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1817

Should my wife start a 401k

My wife and I have been debating on this question for some time now and would like to welcome outside thought. Here is some pertinent info to base the decision on; Household income : 180k Her pension: 2.5% of salary at 55 My pension: 2.5% of salary at 62 -We both plan to retire at 62 and are 35 year...