Search found 979 matches

by FoolStreet
Tue Jul 07, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 75
Views: 5293

Re: How would permanent WFH reshape Silicon Valley?

After 9/11 many things were never the same, eg air travel. I don’t know how things will be changed by the pandemic, but it will imo be on a much larger scale than 9/11. For example, commercial real estate will be forever different. Can you elaborate? Mask-wearing would be a natural new norm. But ho...
by FoolStreet
Mon Jul 06, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5532

Re: Boglehead Way to buy an Audi

Take a look at the Tesla Model Y.
by FoolStreet
Wed Jul 01, 2020 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4448

Re: Landlord expectations: Rats in the yard

My wife and i live in a nice suburban area of the Bay Area. We rent a house and have a nice relationship with our landlord. My wife is pregnant with our first and is due in 4.5 months. I've recently noticed rats in our backyard scurrying through the trees in the early evening. There are fruit trees...
by FoolStreet
Wed Jun 17, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13327

Re: Parents in a tough situation for retirement

Right now, you are on the hook for the mortgage payments and any/all upkeep on the house. Get prepared for making those payments for the rest of their lives, because if they decide to retire and stop paying the mortgage, its on your shoulders. And you can't move them into your apartment. It sounds l...
by FoolStreet
Thu May 28, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Which type of RV to rent to drive up the California coast?
Replies: 6
Views: 776

Re: Which type of RV to rent to drive up the California coast?

Hi all, I don’t know a thing about RVs, but was thinking a nice trip would be to rent an RV this summer and drive along the California “lost coast” (SF to the Oregon border), which I am told is quite lovely. We are two adults and a child. My question: what type of RV or trailer (and how long?) woul...
by FoolStreet
Thu May 28, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

This. Great post. Explains why some school districts are in trouble in the bay area. Essentially, a lot of the property taxes go to Sacremento and then get funneled to where needed to be fair. So, your high property taxes in CA may be going to poorer area schools. Below explanation goes into detail...
by FoolStreet
Thu May 28, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

We live in the Bay Area where sending kids to private schools seems like a status symbol. Or perhaps it's just the emphasis on education out here. Me and SO make 450K before taxes and we have a kid who will soon hit the age for preschool/school. The public school in our district is not very good fo...
by FoolStreet
Thu May 28, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5698

Re: New Vehicle: Forester or Rav4 for boglehead couple

I rented a Jeep Cherokee which had the same feature and I too found it annoying but got used to it after a couple days. I'm guessing the majority of cars will eventually do this to save gas/emissions. Our Priuses had that feature. And most non-hybrid cars I have rented in Europe in the last five or...
by FoolStreet
Thu May 28, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7615

Re: Falcon 9 Launch to the International Space Station

My understanding from NASA is the launch window today, for just a 19-hour transit, was only one second wide. Miss it and the astronauts would miss the ISS. Given the weather conditions they had no choice but to scrub at least until the next window on Saturday. Mean old Mr. Newton. PJW They should h...
by FoolStreet
Thu May 28, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7615

Re: Falcon 9 Launch to the International Space Station

Thank you for starting this thread and I hope we can restart it on Saturday, or Sunday if need be. I put the NASA stream on in the background. It was minimal chatter, so it would startle me when I would hear the announcer doing checks. I loved seeing Musk talk to the Astronauts and drive the Tesla t...
by FoolStreet
Thu May 28, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 20
Views: 1320

Re: Small Estate in CA and Probate

My mom died March 2019 in CA with no will. NIGHTMARE She had an account POD that was pretty easy but we are still dealing with closing her estate even though it was small (under 300k) No fighting as it’s just two children but, well, the court is a nightmare. I had to wait months for the “letters” t...
by FoolStreet
Mon May 25, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5698

Re: New Vehicle: Forester or Rav4 for boglehead couple

I'm going to suggest that you get the Rav4 Hybrid. Knowing me, I think you should get the Tesla Model Y - lol ...but since you are in the Bay Area and specifically did not mention it, you must have some reasons. Anyway, I do suggest you zhuzh up to the current model Rav4 Hybrid. The gas savings are ...
by FoolStreet
Mon May 25, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Last-minute lien on home found - sign (as seller) anyway?
Replies: 13
Views: 1618

Re: Last-minute lien on home found - sign (as seller) anyway?

I would want a payoff notice from Wells Fargo, first. Why? If there is a legitimate debt secured by thelien, it will need to be paid off with sale proceeds. The estate cannot trump a legitimate lien. Apparently, Op is confident there is no debt secured by the lien. I guess I'm a planner. Is there a...
by FoolStreet
Mon May 25, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3550

Re: Tesla Y test drive

For any vehicle, BEVs more so, weight is the enemy. A heavier vehicle means shorter distance. You can't sacrifice areas of safety, but you can reduce things that dampen out road noise. My personal opinion from someone working in the industry, would be to get a hybrid. Get a PHEV if you want to go c...
by FoolStreet
Mon May 25, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Last-minute lien on home found - sign (as seller) anyway?
Replies: 13
Views: 1618

Re: Last-minute lien on home found - sign (as seller) anyway?

I would want a payoff notice from Wells Fargo, first.
by FoolStreet
Sat May 23, 2020 11:43 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3550

Re: Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise? I hav...
by FoolStreet
Thu May 21, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3550

Re: Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise? I hav...
by FoolStreet
Thu May 21, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3322

Re: "Fancy" drip/pour-over coffee makers

Thanks for the update! Yes, please drink it in good health. PS, I forget if this is the thread that got me to buy a milk frothier, but my wife enjoys it. This thread is validating my decision to go Chemex and now I'm considering a burr grinder. We have a stand-alone milk frother that goes with our ...
by FoolStreet
Thu May 21, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 46
Views: 3519

Re: Opinion on Relocating from IL to FL Central Gulf Coast Condo

My back of the envelope says you can do it pretty easily, and any child would want you to be happy. I'd want my parents to enjoy life and be available to share good times together, not necessarily share $. Can you rent for a full-year to try it out, to give you a feel for the summer heat and lifesty...
by FoolStreet
Thu May 21, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3550

Re: Tesla Y test drive

I've read of someone returning a Y after one day because of this. When I first test drove an S I could hear pebbles coming up in the wheel wells. My 3 is a fun peaceful car to drive. There is no engine noise, just all the other stuff. I expect one becomes more aware of the other stuff when the engi...
by FoolStreet
Thu May 21, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3550

Re: Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise? I hav...
by FoolStreet
Thu May 21, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating expensive house purchase during pandemic
Replies: 41
Views: 4021

Re: Contemplating expensive house purchase during pandemic

Would you consider purchasing a duplex? It would stretch you more, but give MIL a place to stay and also give you long term upside to rent the other side out.
by FoolStreet
Thu May 21, 2020 12:09 pm
Forum: Personal Investments
Topic: Should I pull my CDs out?
Replies: 26
Views: 2783

Re: Should I pull my CDs out?

Just curious, but what makes you think it will appreciate at 5% per year?
by FoolStreet
Thu May 21, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 233
Views: 22417

Re: Tesla Model Y

Saw two at local sales/service location. They looked good overall. Sat in the car, easier to get in and out of. Similar leg room, I think more head room. Bigger frunk and trunk. A better auto option overall but not gonna trade up, need to keep some semblance of being a BH. If you are in the market ...
by FoolStreet
Tue May 19, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3322

Re: "Fancy" drip/pour-over coffee makers

Thanks for the update!
by FoolStreet
Tue May 19, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3322

Re: "Fancy" drip/pour-over coffee makers

Thanks for the update!
by FoolStreet
Fri May 15, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3322

Re: "Fancy" drip/pour-over coffee makers

I would like to hear your experiences with some of the more expensive drip/pour-over coffee machines out there. I am specifically interested in: OXO Brew 9-cup Technivorm Moccamaster 40-oz stainless Bonavita 8-cup One-Touch or Connoisseur Breville Precision Brewer I would consider other models too ...
by FoolStreet
Thu May 14, 2020 10:41 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 6079

Re: Reacting to low interest rates

I assume that most Bogleheads are doing nothing different in response to low interest rates, and simply accepting that that's what the market is giving. For those who are reacting to low interest rates, what are you doing differently? A. Increasing equity allocation. You're taking more risk, but wh...
by FoolStreet
Thu May 14, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should we create a testamentary trust for $6M estate?
Replies: 198
Views: 9197

Re: Should we create a testamentary trust for $6M estate?

I think bsteiner’s advice makes the most sense. You are giving the heir the option. If they want the cash, they can dissolve the trust. If they want the protections, they can keep the trust. If they want the middle ground, then they can choose alternate co-trustees. It’s all about the optionality. ...
by FoolStreet
Thu May 14, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should we create a testamentary trust for $6M estate?
Replies: 198
Views: 9197

Re: Should we create a testamentary trust for $6M estate?

- I agree with the recommendation not to mandate distributions. It may make sense when the trust becomes small not cost effective e.g. $100K, and the idea is to spread out the $ and terminate the trust. The risk is that assets distributed to the beneficiary become available to their creditors, spou...
by FoolStreet
Sun May 10, 2020 11:08 am
Forum: Personal Investments
Topic: Investment Property
Replies: 3
Views: 435

Re: Investment Property

I've owned an investment property for about 5 years now in Aberdeen, SD. It's a two-story duplex at $110K and I have $78K left on mortgage principal at 4% interest rate. The town (about pop. 30,000) is stable economically and so is the demand for rentals (transient workers in healthcare, agricultur...
by FoolStreet
Thu May 07, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this annuity?
Replies: 18
Views: 1277

Re: Should I buy this annuity?

Age 80, retired, comfortable income. My wife and I have over $2 million in Vanguard Intermediate Tax-Exempt, current distribution yield about 2.5% tax free; expect this to decrease as SEC yield is 1.83%. I'm thinking of taking $500,000 of this to buy an SPIA from NY Life (rated A++), dual life, 100...
by FoolStreet
Wed May 06, 2020 10:55 am
Forum: Personal Investments
Topic: Fido Deferred Fixed Annuity
Replies: 57
Views: 4153

Re: Fido Deferred Fixed Annuity

I know we hate Annuities, but Fido offers Jumbo(100K) deferred fixed annuities from Mass Mutual and NY Life, 3 year term at 2.1%. I'm retired, 73, and would be in my IRA I have with them. I have excess cash with them and won't need the $ for at least 3 years. I already have CD's( some w/credit Unio...
by FoolStreet
Wed May 06, 2020 10:44 am
Forum: Personal Investments
Topic: Fido Deferred Fixed Annuity
Replies: 57
Views: 4153

Re: Fido Deferred Fixed Annuity

I know we hate Annuities, but Fido offers Jumbo(100K) deferred fixed annuities from Mass Mutual and NY Life, 3 year term at 2.1%. I'm retired, 73, and would be in my IRA I have with them. I have excess cash with them and won't need the $ for at least 3 years. I already have CD's( some w/credit Unio...
by FoolStreet
Mon Apr 27, 2020 5:27 pm
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13432

Re: ??? @Thomas Stanley - Stop Acting Rich book

On Page 54 of Thomas Stanley's Stop Acting Rich book he writes It takes only 54 high-income generating farmers to produce 100 who are millionaires. But it take 383 high-income generating physicians to produce just 100 millionaires. Where do the remaining 46 farmers come from to produce 100 milliona...
by FoolStreet
Mon Apr 27, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3508

Re: Unable to Order Work Out Equipment

Home Depot/Lowe’s has plenty of stuff if you think like me. Concrete blocks and stacks of lumber are all you need. And you avoid the price gouging of exercise equipment. I apologize for being initially dismissive until I looked at the homegym reddit pictures linked below. TONS of examples of home m...
by FoolStreet
Mon Apr 27, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement
Replies: 10
Views: 390

Re: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement

I need to have a major home improvement project taken care of this spring (sewer line replacement, $20k or so). For a number of reasons, I will probably need to use the contractor's in-house financing product, which will be a personal loan at about 7% interest for 5 years. (Reasons include - it's f...
by FoolStreet
Sat Apr 25, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3508

Re: Unable to Order Work Out Equipment

brennok wrote:
Sat Apr 25, 2020 12:30 pm
Check https://old.reddit.com/r/homegym/commen ... 20_220419/

This is the homegym thread on reddit tracking stock and shipping for equipment.
Thanks for sharing! That is the lord's work there. Crowdsourcing at its best. :beer
by FoolStreet
Sat Apr 25, 2020 6:46 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6576

Re: Preparing for the storm ahead.

Open a new credit card with a sign-up bonus and a long 0% purchase APR, and put all my spending on that. I really don't think that is good advice... If OP thinks his income will drop from $250k to $150k, then suggest he start living on $150k now. I am sure whodidntante did *not* mean for OP to cont...
by FoolStreet
Sat Apr 25, 2020 5:21 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6576

Re: Preparing for the storm ahead.

Open a new credit card with a sign-up bonus and a long 0% purchase APR, and put all my spending on that. I really don't think that is good advice... If OP thinks his income will drop from $250k to $150k, then suggest he start living on $150k now. I am sure whodidntante did *not* mean for OP to cont...
by FoolStreet
Fri Apr 24, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3508

Re: Unable to Order Work Out Equipment

regularguy455 wrote:
Fri Apr 24, 2020 8:15 pm
Nothing to add other than I feel your pain. I’ve been lifting 3x a week for 6 years and I just went cold turkey. Tried body weight exercises but it just isn’t the same. I guess I’ve got my work cut out for me post pandemic.
My 401k is down 13% YTD. But what I really lost are my gainz!! lol :(
by FoolStreet
Fri Apr 24, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3508

Re: Unable to Order Work Out Equipment

Home Depot/Lowe’s has plenty of stuff if you think like me. Concrete blocks and stacks of lumber are all you need. And you avoid the price gouging of exercise equipment. One could find webbing straws and carabiners and some lag screws to for a makeshift TRX system. But otherwise, I suggest waiting ...
by FoolStreet
Fri Apr 24, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3508

Re: Unable to Order Work Out Equipment

Home Depot/Lowe’s has plenty of stuff if you think like me. Concrete blocks and stacks of lumber are all you need. And you avoid the price gouging of exercise equipment. One could find webbing straws and carabiners and some lag screws to for a makeshift TRX system. But otherwise, I suggest waiting ...
by FoolStreet
Tue Apr 21, 2020 2:51 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74874

Re: Bogleheads community discussion - Coronavirus

On testing: Every diagnostic test will have inevitable inaccuracy. I had written this about the utility of testing a few days ago. https://www.bogleheads.org/forum/viewtopic.php?t=305217&start=3000 Thanks for sharing the math. Its really hard to understand infection rate and societal impacts withou...
by FoolStreet
Sat Apr 18, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 44959

Re: College in fall

College is tremendously overpriced even if the classes are in person and not on-line. This crisis will completely transform US universities. Prices are obscene. US universities will look completely different in 3-4 years. And prices will drop significantly. I worry quite the opposite. People will a...
by FoolStreet
Wed Apr 15, 2020 4:18 pm
Forum: Personal Investments
Topic: Too many munis?
Replies: 18
Views: 924

Re: Too many munis?

Grabiner, thanks so much. Question: I've read quite a bit on this site about Baird muni funds. From what I understand, they may be relatively safer than Vanguard's funds. Would you know if that's true? And if so, would a Baird fund be a good substitute for my VG Limited Term Tax Exempt fund? The fu...
by FoolStreet
Wed Apr 15, 2020 3:52 pm
Forum: Personal Investments
Topic: Too many munis?
Replies: 18
Views: 924

Re: Too many munis?

Grabiner, thanks so much. Question: I've read quite a bit on this site about Baird muni funds. From what I understand, they may be relatively safer than Vanguard's funds. Would you know if that's true? And if so, would a Baird fund be a good substitute for my VG Limited Term Tax Exempt fund? The fu...
by FoolStreet
Wed Apr 15, 2020 12:16 am
Forum: US Chapters
Topic: San Francisco Mid Peninsula, California Chapter
Replies: 71
Views: 16450

Re: San Francisco Mid Peninsula, California Chapter

This is an informational event to learn about Bonds, and Tax Free Bonds with lots of Q&A and minimal selling. There is not a specific fund they are trying to sell us. Last month we had a Fidelity rep help calm down all the folks on the video conference. The bond and muni bond markets had a big hicc...
by FoolStreet
Tue Apr 14, 2020 11:20 pm
Forum: US Chapters
Topic: San Francisco Mid Peninsula, California Chapter
Replies: 71
Views: 16450

Re: Reminder: Next SF Bogleheads Meeting Thursday April 16, 2020 7pm ONLINE

Friendly reminder: Next SF Bogleheads Meeting Thursday April 16, 2020 7pm ONLINE Topic: Bonds, Municipal Bonds, How they can enhance your portfolio. We will first cover current market turmoil and have a Q&A discussion Guests: Scott A. Stanley CIMA Managing Director, Divisional Director Nuveen Asset...
by FoolStreet
Mon Apr 13, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 737
Views: 39359

Re: What are you listening to now

Joe Satiani just came out with a new album! Rock on!