Search found 48 matches

by bikesandbeers
Fri Jan 10, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Disney Plus - how many log-in's at a time?
Replies: 13
Views: 972

Re: Disney Plus - how many log-in's at a time?

yes up to 7 devices and 4 simultaneous. we share it with both grandparents and 1 set of cousins. Outside of kids it there isn't a ton, although they have the Simpsons, national geographic and Disney nature stuff. If you have kids or adults who can be endless entertained by Disney, its not bad at all...
by bikesandbeers
Fri Jan 10, 2020 2:17 am
Forum: Investing - Theory, News & General
Topic: Here's what I still don't get with AA
Replies: 48
Views: 4518

Re: Here's what I still don't get with AA

The big difference is that if you have bonds in your portfolio, you can buy some more equities to get back to your desired AA.
by bikesandbeers
Thu Jan 09, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 5636

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

I live near the foothills and walk in them everyday for exercise. Almost every home that gets bought ends up having to have a new septic system put in within a couple months. Thank goodness I live where there is provided sewer. People plant things never thinking what the roots will do. I think you ...
by bikesandbeers
Thu Jan 09, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 5636

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

I'm just pilling on here to say you likely have no recourse, unless the plumbing company happens to have records that they gave the previous owner a quote for replacement recently. when we bought our house, the inspector strongly recommended we get the sewer inspected, because he say some evidence o...
by bikesandbeers
Wed Jan 08, 2020 1:22 am
Forum: Personal Investments
Topic: School teacher with $600,000 asked for investment advice
Replies: 15
Views: 2067

Re: School teacher with $600,000 asked for investment advice

The lowest fee 403b is likely to have higher ERs and less fund choice than Vanguard or other low cost providers. Given that her pension should cover most of her needs, she could either use a higher equity percentage for growth, or a higher bond percentage if the pension has a COLA and she ins't worr...
by bikesandbeers
Wed Jan 08, 2020 1:18 am
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7207

Re: travel from the U.S. to Europe given geo-political tensions?

I am planning a trip for fall 2020. This thread is going to push me to do a little more research into travel interruption insurance, just in case i have to cancel or reroute due to an incident, but I am not particularly worried. Brexit travel interruptions would be the biggest concern. you are way m...
by bikesandbeers
Thu Jan 02, 2020 12:31 am
Forum: Investing - Theory, News & General
Topic: Mortgage payoff in VTI
Replies: 68
Views: 5309

Re: Mortgage payoff in VTI

That sounds reasonable to me. There are a lot of different threads about paying down mortgage you can review, but I think it always comes down to whatever lets you sleep at night. Are you up worried about what VTI is doing with all your money there or worrying that you are missing out on a booming m...
by bikesandbeers
Thu Jan 02, 2020 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Writing a will / estate planning / when does it make sense to use a trust?
Replies: 26
Views: 2725

Re: Writing a will / estate planning / when does it make sense to use a trust?

You can set up a trust DIY with a few cheap online tools, but for you level of assets, a few grand to an estate lawyer is probably a good investment. Either way it doesn't have to be overly complicated, Name a responsible family member as the trustee for your children until 18 (or 21) And then maybe...
by bikesandbeers
Sat Dec 28, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5327

Re: Time to replace the Water Heater - Lots of Questions - Help!

Does anyone have any actual experiences where a tankless water heater solved a problem, was a clearly better, or had a clear advantage over a regular water heater with a tank? We did it is apart of a major renovation, and the great efficiency of the tankless gave us the margin we needed to meet our...
by bikesandbeers
Mon Dec 23, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5327

Re: Time to replace the Water Heater - Lots of Questions - Help!

If they are the same price and one includes the permit and the other doesn't, the one with the permitting included is the better deal. However if you can get a discount for pulling the permit yourself You could probably find a cut-rate installer who'd do it with a permit. My parents have a bradford ...
by bikesandbeers
Mon Dec 23, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car using Costco Auto?
Replies: 19
Views: 2878

Re: Anyone buy a car using Costco Auto?

Costco connected us to a dealer that did not have a single vehicle available in the model we were looking for, and did not have any idea when they'd get more. We went a another dealer that had one that had been sitting on their lot for a while. we got around $10K off MSRP, although some of that went...
by bikesandbeers
Mon Dec 23, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7003

Re: What tech wiring in new build house?

My contractor added $1000 to run coax and cat6 to 7 different locations from a central closet.
We do use a synology home media server, and I can tell the different in loading times on cat6 with AC wifi
by bikesandbeers
Sun Dec 22, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7003

Re: What tech wiring in new build house?

we put cat 6 and coax outlets in every room for our addition. hardwired is always more reliable that wireless, even though the wireless speeds are getting close. our only issues was that we decided to put the TV on a different wall than planned after we finished the project. you can also do cat6 to ...
by bikesandbeers
Wed Dec 18, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 5402

Re: Quality Power-Tool Brands

I personally have been a Makita guy for quite a while, but I have been very impressed by the Milwaukee 12V system.
With modern lithium batteries the 12v still puts out plenty of power for almost any job and the compact tools are easier for tight stops like inside cabinets.
by bikesandbeers
Sun Dec 15, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 6364

Re: Not Experiencing Any Problems With Vanguard

Never had any particular problems with Vanguard or Fidelity. I did go with the Fidelity DAF due to lower minimums.
I know i have heard folks say that Fidelity has a better online trading platform, but I find VG easier to get things done with less clicks.
by bikesandbeers
Sat Dec 14, 2019 1:28 am
Forum: Personal Investments
Topic: Growing income and becoming more nervous...
Replies: 28
Views: 4311

Re: Growing income and becoming more nervous...

I don't think the advice for you is much different than someone making much less in terms of a basic 3 fund portfolio. In my limited experience with financial disclosures, index funds don't raise any eyebrows. At your income level there could be some slightly more exotic tax planning strategies. May...
by bikesandbeers
Sun Dec 08, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Sell current home, down size and purchase a vacation condo?
Replies: 34
Views: 2762

Re: Sell current home, down size and purchase a vacation condo?

My in-laws are very happy with having downsized to coastal condo and mountain cabin, although I think it took some adjusting. They waited until the kids were done with college, and various siblings moved back in and out a few times before they got established. Give some good thought about your kids ...
by bikesandbeers
Sat Dec 07, 2019 4:25 pm
Forum: Personal Investments
Topic: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund
Replies: 19
Views: 1320

Re: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund

I recently donated some VSMAX non-covered shares from my Vanguard Brokerage to my fidelity DAF and didn't run into problems, except the usual few week delay that it takes to show up. I was thinking about moving a few individual stocks over to a fidelity brokerage for easy of transfer, but maybe the ...
by bikesandbeers
Wed Nov 27, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6300

Re: Is a minivan worth it?

If you are coming from a Tesla, I do recommend taking a look at the Pacifica Hybrid. It has been flawless so far and more than 50% of our miles are electric, including a 1500 mile road trip. I did opt for the extended warranty as I have some long term concerns on the durability of a Chrysler product...
by bikesandbeers
Wed Nov 27, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6300

Re: Is a minivan worth it?

Compared to any SUV/Crossover option, Minivans are great. the asy of entry to getting kids in an out of car seats as well as carrying adults in the back is impossible to beat. not to mention tons of room for carry strollers and stuff. We have a Chrysler Pacifica Hybrid limited, which was close to $5...
by bikesandbeers
Mon Nov 11, 2019 11:50 pm
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 2193

Re: Los Angeles to San Francisco Roadtrip

Monterrey Bay aquarium would be the #1 family stop by me, followed by Hearst Castle. Big Sur Coast is very pretty, and a walk around Point Lobos. You probably don't want to spend too much time wine tasting wth kids, but there is lots of good wineries along the way. If you like beer, you could also h...
by bikesandbeers
Tue Oct 01, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Family Legacy Services - what is this?
Replies: 12
Views: 1822

Re: Vanguard Family Legacy Services - what is this?

This has probably been discussed elsewhere, but my family has "inherited" flagship status. There was a irrevocable trust with assets that met the flagship minimum. When this was disbursed out to the beneficiaries, we each got flagship status, even though our individual balances were well under the f...
by bikesandbeers
Sat Sep 28, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3892

Re: COSTCO Citicard credit/discount question

Yes they do give cash back. The only thing that is up to manager discression is what to do when there is not enough cash in the drawer. I have seen a bit of a scene with a manager walking to multiple registers to try and get enough cash. Probably less likely if you are a little later in the day, unl...
by bikesandbeers
Sat Sep 21, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need help opening a HELOC
Replies: 20
Views: 1475

Re: Need help opening a HELOC

We did have to supply taxes and bank statements for our HELOC. We had a 80% LTV at prime +1%, after 24 months with a promotional rate. 90% had a higher interest rate. If you are getting prime +0% at 65% LTV that seems fair to me. If you just want it for emergencies, do you have circumstances where r...
by bikesandbeers
Tue Sep 10, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4759

Re: Buying 1/2 pint drinks in bulk for lunches?

I used to get shelf stable chocolate milk boxes when I was little. The fresh at school paper containers always tasted better. I think the refrigeration was always the issue. The only place I can think of besides schools with little half pints is my local donut shop. If you dont have a wholesale dair...
by bikesandbeers
Mon Aug 12, 2019 1:37 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing about HELOCs?
Replies: 31
Views: 3259

Re: What am I missing about HELOCs?

Our HELOC was 2.99% for the first 24 months. and then it went to WSJ prime +1%. We used it all for home improvements, and it came with checks that we could pay the contractors director, or just transfer to our checking account to pay off credit card bills. We didn't know how much our home improvemen...
by bikesandbeers
Mon Aug 12, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7510

Re: How should my Spouse and I handle a $300,000 Settlement?

Wow, you been through a lot. If you can't drag your self to regular couples counseling, maybe some sort of couples retreat could be helpful as a reset. As noted, you need to be clear on the tax implications of the settlement. Might be worth find a fee only financial planner to help get you on the ri...
by bikesandbeers
Sat Aug 10, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Experience with “change airport” itinerary(LGA to JFK)?
Replies: 33
Views: 2289

Re: Experience with “change airport” itinerary(LGA to JFK)?

I Did Gatwick to Heathrow on a bus. I had some very heavy luggage to carry but otherwise the transfer went fine. I think it was around d 5 hours between flights. As others noted, getting through immigration/ customs and back through TSA is your biggest risk. Getting Global Entry TSA pre can help, bu...
by bikesandbeers
Fri Aug 09, 2019 12:24 am
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 50
Views: 3349

Re: Should college student major in environmental science?

I work with a lot of environmental scientists doing technical work and who are paid well. Where the job issues come in is if you are an environmental studies BA degree without any hard skills. No one pays you just to wander around in nature. I'd advise folks to take a look at jobs and think about wh...
by bikesandbeers
Sun Jul 28, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3140

Re: Buenos Aires - How many days?

2 full days would probably do it. Recolleta area is very nice. We also enjoyed the San Telmo area for restaurants plus some cute shops. We rode the metro (Subte) and never felt unsafe, except the trains and rush hours were the most packed I've ever seen. The hotel was happy to call taxis for us. We ...
by bikesandbeers
Fri Jul 19, 2019 5:13 am
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 2167

Re: Is Sacramento Affordable--Under $400K Family Home?

Yes, you can find a good home in that price range, just maybe not in urban core or in one of the hot neighborhoods. I'd rent until I had a stable job and knew the commute. If you don't mind suburban living, if you can get both a job and house in folsom, roseville or elk grove areas you be comfortabl...
by bikesandbeers
Sun Jul 14, 2019 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Advice on how to organize brokerage account with multiple goals?
Replies: 6
Views: 812

Re: Advice on how to organize brokerage account with multiple goals?

For short term, I like my online savings account which has a direct deposit from every paycheck, but i don't look at on a regular basis. this is a car and vacation fund. If you have multiple goals and it makes sense to put stuff in a portfolio with maybe a couple of funds, excel would be simple to t...
by bikesandbeers
Sat Jul 13, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3305

Re: Standard Car Key Battery Life for Late Model Vehicles

18 months on Nissan with proximity sensor and push to start. Cr2032 less than $2 each in multipack on amazon.
by bikesandbeers
Fri Jul 12, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 2423

Re: A good name for a donor advised fund

We are just [surname] family giving fund at Fidelity, but we make liberal use of the option to give anonymously to organizations that I suspect will hound me. On the flip side, for some organizations that I am very active in and want to make sure they associate the donation to me actually let them k...
by bikesandbeers
Thu Jul 11, 2019 7:14 am
Forum: Personal Investments
Topic: Not happy with one FA allocation: PBRIX
Replies: 37
Views: 2293

Re: Not happy with one FA allocation: PBRIX

Wow, this kind of the thread makes me very glad I was set up with Vanguard early in my career. This does not seem like a good portfolio overall, and PBRIX looks like a terrible solution to risk aversion. I wonder how your FA went through your risk tolerance to come up with these recommendations. Esp...
by bikesandbeers
Wed Jul 10, 2019 12:25 am
Forum: Personal Investments
Topic: Can I transfer from one 401(k) provider to another at same workplace?
Replies: 8
Views: 885

Re: Can I transfer from one 401(k) provider to another at same workplace?

Not sure if 401k is the same, but my organization is transitioning from one 403(b) provider to another, and we have a choice if all, some, or none of our assets get transfer to the new provider. We were told that the employer cannot legally tell employees they have to transfer everything.
by bikesandbeers
Tue Jul 02, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5510

Re: HCOL vs LCOL Dilemma

$1 million for a nice house with a reasonable commute in Southern California sounds great. You've got the income to enjoy it. With good schools, I doubt the value of that house would decline much, except for a natural disaster which is what insurance is for. I don't see the risk if you have a good a...
by bikesandbeers
Sun Jun 30, 2019 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else unable to afford a home/have six figure income?
Replies: 60
Views: 7572

Re: Anybody else unable to afford a home/have six figure income?

My wife and I are both less than six figures (our combined income is just over six figures). We are in HCOL area. She owned a condo when we started dating. She was lucky to get it at the bottom of the market in 2009 (With downpayment help from parents), and had roommates who were helping to pay the ...
by bikesandbeers
Sun Jun 30, 2019 4:27 am
Forum: Personal Finance (Not Investing)
Topic: friend claiming 17% returns on Life Insurance
Replies: 30
Views: 3889

Re: friend claiming 17% returns on Life Insurance

Yes, your friend is probably confused, likely due to misleading info from his insurance salesman. We won't be able to shed anymore light without any details. If this is whole life, maybe he is getting some return on the insurance premiums, but not any any overall insurance investment.
by bikesandbeers
Sun Jun 30, 2019 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 24
Views: 2618

Re: Vanguard intentionally delaying fund transfer to Fidelity DAF?

I did a similar transfer from Vanguard to a Fidelity DAF. It took more than 7 business days. Outside of trying to make a year end contribution, this doesn't bother me. I call my Vanguard Flagship Rep and ask if it was better to use VG paperwork vs Fidelity, and he thought it would be the same amount...
by bikesandbeers
Sat Jun 29, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: DAF grants to public radio "state agency" org.
Replies: 12
Views: 682

Re: DAF grants to public radio "state agency" org.

our local public radio has a 501c3 through the university research foundation as well.
by bikesandbeers
Tue Jun 25, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 43
Views: 8929

Re: Purchasing Major Appliances from Costco

We bought a GE dishwasher from Costco a few years ago. It was about the same price at Home Depot, but Costco offered free delivery and hookup, plus the executive and credit cards rewards. Delivered on time no problems with the unit. We also bought some furniture form Costco and It got lost in transi...
by bikesandbeers
Tue Jun 25, 2019 12:45 am
Forum: Personal Investments
Topic: Donate stock
Replies: 13
Views: 947

Re: Donate stock

With the recent tax changes, we set up a Donner Advised Fund and donated a bunch of appreciated stock in 2018. it was about 5X what we would normally give to charity in a given year, We will use the DAF to give to charities for a number of years. the DAF was nice since it allowed us to give many sma...
by bikesandbeers
Tue Jun 25, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 5149

Re: Prius vs Prius Prime (plug-in)

The automakers (outside of Tesla) don't really want to sell lug-ins outside of the CARB/ZEV states where they get regulatory "points", but the federal tax credit is good anywhere and should bring the price of a Prime closer to that of a regular Prius. If you have access to cheap electric, I'd go wit...
by bikesandbeers
Tue Jun 25, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 9916

Re: hybrid or plug-in electric car

I've leased 2 Nissan Leaf 2013 (84 miles range) and 2016 (105) mile range. If you really only drive 25 miles a day, you will be fine for a very long time. Battery degradation shouldn't be a big issue, but if you live somewhere that gets really hot, you might want to think about something else due to...
by bikesandbeers
Thu Jun 20, 2019 11:39 pm
Forum: Personal Investments
Topic: Borrowing to max 403b + IRA?
Replies: 10
Views: 704

Re: Borrowing to max 403b + IRA?

Given that the money is coming form your parents, this seems to make a ton of sense as long as they aren't likely to get in a situation where they need it (or any your existing loan with them). Finishing your medical training with only a little debt to you parents is a dream. It will be great to hav...
by bikesandbeers
Thu Jun 13, 2019 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Big (expensive) remodel in LA -- advice and tips?
Replies: 12
Views: 1399

Re: Big (expensive) remodel in LA -- advice and tips?

We did a similar project in California and came in roughly around 400 a sq ft, adding ~1000 sq ft to a 900 sq ft 1920s bungalow. My big question is are you really doing a total tear down or keeping parts of the old house - and connected, are you thinking $400 a sq ft just for the additional space or...
by bikesandbeers
Thu Jun 13, 2019 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Car or no car? Need advise!
Replies: 9
Views: 1066

Re: Car or no car? Need advise!

I am a big proponent of car-free living, although it sounds like you have some mobility needs as a freelancer that living near a good bus line probably wont help with. You could at least try a few months and see how much you spend on uber An ebike with good cargo capacity could fit a big portion of ...