Search found 264 matches

by Balance
Sun Jun 17, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1152

Re: Best stroller+infant seat for gravel roads?

We run/walk a lot on paved and gravel trails. We bought a BoB Revolution for our first son and now that we have two, we have a BoB Duallie Revolution. They work great for running and hold their value really well for re-sale. Depending on the accessories you buy, they can get pricey. We bought our fi...
by Balance
Mon Jun 04, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5313

Re: Fitting three young kids in the car...

We have two kids, both still rear-facing, with a third due in the fall like you. Our Prius worked fine with two, but started getting extremely cramped when our youngest moved up to a toddler carseat. I've seen people say that they have three carseats across the back row of a Prius, but my experimen...
by Balance
Tue May 22, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Credit Unions or Banks Questions
Replies: 8
Views: 830

Re: SF Bay Area Credit Unions or Banks Questions

We use Provident CU (based on the Peninsula) and we love it. When we sold our house a few years back we used our credit union and Ally bank for the proceeds. Many CU's that we researched will only give you their high yield with a cap of $25k. Ally doesn't have a cap so it made more sense for us to p...
by Balance
Sat May 05, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 5420

Re: What do you pay baby sitters?

We live in a HCOL area (Bay Area).

Our babysitter charges $20/hr for two children. But my kids are small, 4 and 1.5 years old and are a lot of work. If my kids were older and more self-sufficient I would probably be paying around $15/hr.
by Balance
Sat Apr 28, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3214

Re: When would you replace a car?

Get a new, or nearly new, safe car. New baby deserves it! Totally agree with this. A newer car will have a lot better safety and technology upgrades which are important for driving especially when you are tired and distracted because of your child who will at times be temperamental in the car. Plus...
by Balance
Tue Apr 17, 2018 2:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 12
Views: 2080

Re: San Francisco Mid Peninsula, California Chapter Interest?

I'm in the Dublin/Pleasanton Area, we just moved from Redwood Shores. Most of my network is still on the Peninsula and I would be happy to do a meetup.
by Balance
Mon Apr 16, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6440

Re: Costco gas

We have a Chevron right down the street from us and a Costco one exit away (5 minute drive). We are in the Bay Area, CA and our gas prices are very high. Yesterday I got gas on both of our cars. The Chevron was at $3.89/gallon while the Costco was at $3.19/gallon. It was a pretty big spread while ty...
by Balance
Sat Apr 14, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1387

Re: Disneay Aulani (Hawaii) vacation planning

Have stayed there several times and it's worth the money. Renting DVC points is the cheapest way to get in. We always rent car from Hawaii Discount Car Rental. Rent unit with kitchen. Go to Safeway, or Costco, in Kapolei to stock up on food. You might not save a ton of money overall but nice to hav...
by Balance
Sat Apr 14, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1387

Re: Disneay Aulani (Hawaii) vacation planning

Childcare is included at Aulani which is worth a ton of money compared to the other resorts. Note, it's first come, first served. Their pools and lazy river are great for the entire family. Aulani is located on one of the lagoons in Kapolei --- the perfect place for tranquil ocean swimming and rela...
by Balance
Thu Apr 12, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1387

Disneay Aulani (Hawaii) vacation planning

Hello forumites! My family and I are taking a vacation for the first time with our kids in tow. We are planning on going to Disney Aulani in Hawaii. Before having our children, my wife and I would vacation to the Hawaiian islands at least twice a year. We have stayed at various hotels/resorts but th...
by Balance
Sun Aug 27, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 14709

Re: Is Amazon Prime worth it?

If you are a Whole Foods shopper, like we are, there will be some significant benefits for Prime members. Looks like this coming Monday Whole Foods will be lowering prices to capture more shoppers. Prime members will be able to get two-hour shipping from Whole Foods in select locations with addition...
by Balance
Wed Aug 09, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 21509

Re: Life at crossroads. What would you do ?

If you currently live 30-40 miles from SV and you have "terrible" public schools you should consider moving out to the Tri Valley Area (Dublin/San Ramon/Pleasanton) which is also 30 miles from SV. Your drive will be comparable but all the public schools are 9's and 10's. The rent will cost you $3k/M...
by Balance
Thu Apr 21, 2016 12:44 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 13698

Re: Any stay at home parents regret the decision?

I was a stay at home Dad for 18 years. I can't place a dollar amount on the time I was able to spend with my Son. All the money in the world could not have made me any happier. :happy I feel the same way. I am a stay at home dad but I still operate a small business from home about 20-25 hours per w...
by Balance
Tue Feb 02, 2016 3:17 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 38
Views: 4526

Re: Where to Stay in San Francisco?

Skip the city and stay in Marin Co. Hide out in Point Reyes Station or Inverness Although I don't recommend staying in Marin County your whole time, I would recommend staying at Sausalito for a night. It's the perfect place to go for couples and has good bed and breakfast type lodging as well as gr...
by Balance
Thu Aug 20, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 56
Views: 7675

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

I have an 2007 Honda Accord manual transmission. I didn't read through each and every reply so please forgive me if I missed something. - I would change out the tires immediately. Because there is some cracking and it is several years old I would change them out. It is just something I wouldn't risk...
by Balance
Mon Aug 17, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car or hold
Replies: 19
Views: 2360

Re: Should I buy a new car or hold

I would say go for it. We did the same thing and sold our 2007 Honda Accord and just bought the Prius V just last week. The V is a bit more expensive but it suits our needs as a family car. We paid $21k for it after all of the incredible rebates that you mentioned. The only difference is that we fin...
by Balance
Sun Aug 02, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 21124

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

2 Adults 1 2 year old child We spend anywhere between $1200-1500/month We eat organic, grass fed, free range, wild caught, fresh fruit and veggies etc. We utilize Costco, Whole Foods, Trader Joes and Safeway and try to buy in bulk/deals. We take our lunch to work and eat out only a couple times a we...
by Balance
Sun May 31, 2015 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Help getting started growing my nest egg
Replies: 8
Views: 1629

Re: Help getting started growing my nest egg

400-500K house in Silicon valley sounds optimistic. That stuck out to me as well. I work as an appraiser in San Mateo and Santa Clara Counties. The last two condos I appraised in Sunnyvale and Mountain View were both over $1 million and they were 2 and 3 bedroom floor plans respectively. Both in th...
by Balance
Fri May 29, 2015 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 113
Views: 17499

Re: Selling home - unexpected competition

Congrats Thomas! I live and work in the Bay Area as a real estate appraiser and realtor. It is indeed a crazy market. We just sold our property on the Peninsula. We initially listed for $1.249 and we received 18 offers. We also had a few preemptive offers at 1.35 and 1.4 respectively. The buyers' ag...
by Balance
Thu May 21, 2015 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 3223

Re: Might sell house to a friend. What is fair?

I would get an appraisal. I like one of the previous replies which stated that both parties should get their own appraisal or at least both agree on one appraiser to do it. Appraisers should abide by USPAP and be completely unbiased in their valuation. Find an appraiser who specializes in residentia...
by Balance
Mon Dec 08, 2014 1:00 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40202

Re: What do you splurge on?

Food and Coffee
by Balance
Sun Nov 30, 2014 1:29 am
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 8867

Re: Would you move/stay for better school district?

Cupertino? DW and I have a small child and are in one of the "best" public school districts n the country. Unfortunately it is a very expensive area to live and to move to a better cost of living (housing) area, we would be moving to a public school system that is not rated as highly by most accoun...
by Balance
Sun Jul 27, 2014 6:20 pm
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 9916

Re: Best Coffee Maker? What do you have?

French press for hot coffee

Toddy cold brew during the summer for ice coffee
by Balance
Fri Jul 18, 2014 11:43 pm
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 2512

Re: 2 days in San Francisco

For Pho we have tried countless places in the city. We really like this place called Ben Tre. It is in South San Francisco close to SFO and not in the city. But it's very good and you won't need to pay for parking like you will downtown. For dim sum you can't beat Koi Palace. It is in Daly City just...
by Balance
Wed Jun 11, 2014 12:12 am
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 69
Views: 10113

Re: Any "Apps" you like?

I use:
Mint
Vanguard
Pandora and iHeart radio for music
Yelp
Yahoo Sports
Netflix
by Balance
Thu Jan 02, 2014 4:49 am
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 14515

Re: What was your 2013 return?

22% with an 80/20 split
by Balance
Fri Oct 18, 2013 4:23 pm
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 15085

Re: How many square feet is your home?

We have a 1,560 SF 3 bedroom/2 bathroom home. It is me, my wife and a newborn baby. We added a 500 sf addition about 5 years ago. Even if we had another kid I think we have way too much room. We don't even use the living room or the dining room. We like small spaces and we are pretty minimal so we d...
by Balance
Tue Oct 08, 2013 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: A house appraisal
Replies: 13
Views: 1910

Re: A house appraisal

I'm thinking of selling my house next year. Word has it that I cannot get a realtor's estimate of my house's value unless I am ready to list it (which I am not). Aside from Zillow, Trulia, etc. are there ways to get a house's reasonably accurate value estimate? Thanks. Not to throw cold water on th...
by Balance
Tue Oct 08, 2013 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: A house appraisal
Replies: 13
Views: 1910

Re: A house appraisal

I work as a real estate appraiser and you can definitely get an appraisal done even if you are not putting it on the market for sale or doing a refinance. You can look up an appraiser who is certified and in good standing in your market area and then ask him or her to do an appraisal for an estimate...
by Balance
Sat Oct 05, 2013 7:45 pm
Forum: Personal Consumer Issues
Topic: How to remove 'Snap.do' computer virus?
Replies: 7
Views: 1008

Re: How to remove 'Snap.do' computer virus?

If you have another computer with internet access that is not infected I would search for a way to remove the specific virus. Then you can download a free virus removal software like AVG or Malwarebytes and load it onto a USB. Start the infected computer in Safe Mode without networking and install y...
by Balance
Wed Sep 25, 2013 11:20 pm
Forum: Personal Consumer Issues
Topic: IPhone 4s vs. 5 vs 5c
Replies: 53
Views: 6390

Re: IPhone 4s vs. 5 vs 5c

I've learned a lot about smart phones via this thread. Thanks to all. After much thought, I've decided to get the iPhone 5s. Too bad they're not available in my 30 mile radius. :oops: My wife and I just upgraded our iPhone 4 to the iPhone 5c tonight. We were looking for one 5c and one 5s but just l...
by Balance
Wed Sep 18, 2013 1:03 am
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 18428

Re: Weight Loss Plans?

I read the Taubes book "Why we get Fat" and "Good Calories bad Calories" which are both very good and will help with weight loss. I would also like the add "In Defense of Food" by Michael Pollan. His mantra is "Eat food. Not too much. Mostly plants". I am all for whole foods first and cutting out al...
by Balance
Sat Sep 14, 2013 12:22 am
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33332

Re: How Much Did You Spend on Your Engagement Ring??

We were just married a couple weeks ago in Hawaii but we have been engaged for a few years. My wife is pretty frugal but very sentimental. When her mom passed away she was given her old wedding ring. My wife used the diamond from her mom's ring and we ended up buying a new band since she wanted whit...
by Balance
Mon Aug 05, 2013 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Sole proprietor--Logistics of contributing to SEP IRA?
Replies: 11
Views: 1570

Re: Sole proprietor--Logistics of contributing to SEP IRA?

I felt the same way and I tried to figure out a way to contribute on a monthly basis instead of once a year. Since my monthly income fluctuates drastically which also has a huge impact on expenses it is different for me. It sounds like you are in a better situation where you could estimate a monthly...
by Balance
Mon Aug 05, 2013 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sole proprietor--Logistics of contributing to SEP IRA?
Replies: 11
Views: 1570

Re: Sole proprietor--Logistics of contributing to SEP IRA?

My yearly income fluctuates as with my overhead. I normally wait until the end of the year and give my CPA all the relevant information about what I made and what can be deducted. She then gives me the maximum number allowable to contribute to my SEP IRA. I found it to be very tedious to try to figu...
by Balance
Fri May 31, 2013 10:31 am
Forum: Personal Finance (Not Investing)
Topic: "As is" clause in real estate
Replies: 41
Views: 2759

Re: "As is" clause in real estate

Dear House Buyers: Some of you clearly do not understand why a seller might choose to list a house "as is" and not want to agree to fix issues found during an inspection. Happily, we have a real, current example to share! We built our house 12 years ago and have lived in it continuously until three...
by Balance
Sun Apr 14, 2013 12:17 am
Forum: Personal Consumer Issues
Topic: Had a flat car tire, changed it, what now?
Replies: 49
Views: 5690

Re: Had a flat car tire, changed it, what now?

I go to America's Tire Company here in the Bay Area, CA. They have other locations throughout the country as well. They fix any flat for free if possible or tell you if it is not possible to repair it. They will also recommend a new tire for you if your tire is beyond repair. They will price match a...
by Balance
Tue Apr 09, 2013 12:19 pm
Forum: Personal Consumer Issues
Topic: [Visiting] Oahu
Replies: 32
Views: 4251

Re: Oahu

Anyone have any pointers on going to Oahu, will be there for a week. Some items: 1. Best way to see Pearl Harbor. 2. Good places to eat? 3. Zoo/Aquarimum worth it? 4. Interesting hikes? 5. Other things to see/do? 1) I have only been to Pearl Harbor once and went with a tour group. If I was to go ag...
by Balance
Tue Apr 09, 2013 1:11 am
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 3077

Re: San Francisco with kids?

Do you really want to bring your family there? I wouldn't spend a night in San Francisco. A guidebook might be a good idea. What a bizarre response. San Francisco is one of the greatest cities in the country. You make it sound like he is asking about taking his kids on vacation to Camden, NJ!!! Yes...
by Balance
Mon Apr 08, 2013 8:17 pm
Forum: Personal Consumer Issues
Topic: Need vacation ideas in the San Francisco region
Replies: 37
Views: 3131

Re: Need vacation ideas in the San Francisco region

If you are planning on driving South from San Francisco and going to San Luis Obispo you can always pass by Santa Cruz on the way down to the Monterrey Peninsula. After San Luis Obispo you can also go south down the coast to Santa Barbara. It is a beautiful city and a great drive as well.
by Balance
Mon Feb 18, 2013 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 17056

Re: Where were you financially in your late twenties?

Late twenties I went back to school to pursue another degree because I was changing fields. I paid off all my debt in my mid 20's (CC's and school loans) and bought a car cash. But I had no retirement or investment savings. I think I opened up my Roth at 29. This was around 2006 so not too long ago :)
by Balance
Fri Feb 15, 2013 1:37 am
Forum: Local Chapters and Bogleheads Community
Topic: First Meeting of '13 for San Francisco/Bay Area/San Jose/
Replies: 10
Views: 2689

Re: First Meeting of '13 for San Francisco/Bay Area/San Jose

Awhh I really want to go to this! But its my dad's birthday tomorrow and I will not be able to attend. We frequent the restaurant right across the street from the Old Spaghetti Factory too so I know exactly where you all will be at. I will have to catch you all next time around :(
by Balance
Sat Feb 09, 2013 2:19 pm
Forum: Personal Consumer Issues
Topic: What the best value in anti-virus software
Replies: 63
Views: 7975

Re: What the best value in anti-virus software

I use AVG which is still free
by Balance
Fri Jan 25, 2013 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking to retire at 50
Replies: 52
Views: 4293

Re: Seeking to retire at 50

To the OP, have you read the Mr. Money Moustache blog? He retired at 28 I believe and has a wife and child He wrote a few times about raising a child and the potential costs involved. http://www.mrmoneymustache.com/2011/05/26/what-is-the-real-cost-of-raising-children/ MMM still makes money off of h...
by Balance
Fri Jan 25, 2013 3:30 pm
Forum: Personal Consumer Issues
Topic: Baseball Cards
Replies: 26
Views: 2572

Re: Baseball Cards

When I was a little kid in the late 80's my dad bought me my first set of Topps trading cards. It was a complete set. I ended up with 2 full sets. Then I kept on buying packs of cards whenever my mom would bring me along to the grocery store. I ended up having tons of mint rookie cards for Barry Bon...
by Balance
Fri Jan 25, 2013 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking to retire at 50
Replies: 52
Views: 4293

Re: Seeking to retire at 50

To the OP, have you read the Mr. Money Moustache blog? He retired at 28 I believe and has a wife and child He wrote a few times about raising a child and the potential costs involved. http://www.mrmoneymustache.com/2011/05/26/what-is-the-real-cost-of-raising-children/ MMM still makes money off of hi...
by Balance
Sat Jan 19, 2013 11:57 am
Forum: Personal Consumer Issues
Topic: Best place to buy motor oil?
Replies: 36
Views: 6508

Re: Best place to buy motor oil?

I second Walmart.
by Balance
Wed Jan 16, 2013 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: 29 years old, lives at home, where should I be putting my $?
Replies: 23
Views: 2532

Re: 29 years old, lives at home, where should I be putting m

The obvious question: why are you still living with your parents at 29 with 200k in the bank?! She lives in the Bay Area and homes here can be very pricey. Apartments are expensive as well especially if you are looking in SF, on the Peninsular or in Silicon Valley. If you have a good living situati...
by Balance
Tue Jan 08, 2013 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: I saved $5500 to lump sum my Roth IRA but I'm scared. Help?
Replies: 23
Views: 2977

Re: I saved $5500 to lump sum my Roth IRA but I'm scared. He

I just dumped $5,500 in yesterday as well. I always get nervous before I hit the submit button but it's done and not worth stressing over it. Like the others have said over 10 or 20 years it won't mean too much and having your money work for you now is better than later in my opinion.
by Balance
Sat Jan 05, 2013 3:23 am
Forum: Personal Consumer Issues
Topic: Cholesterol measuring machine at home ?
Replies: 7
Views: 1009

Re: Cholesterol measuring machine at home ?

I know some hospitals like Kaiser will do periodic cholesterol screening clinics but I am not sure if that is only open to employees or at risk patients who have kaiser insurance. One way to get your cholesterol screened for free every other month is to donate blood. Everytime I donate blood they gi...