Search found 521 matches

by sdsailing
Thu Mar 01, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 3252

Re: House vs Condo vs Townhouse

Condos present a significant financial risk. You can wake up to find an assessment of tens of thousands and up.
by sdsailing
Thu Mar 01, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Move or renovate?
Replies: 19
Views: 1569

Re: Move or renovate?

You don't need to spend anywhere near 100k to do what you described in your post.
by sdsailing
Wed Feb 14, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 33
Views: 3116

Re: Suggestions for Reasonably Safe Funds

It's a mix of stocks and bonds but only paying 1.5% per year?
by sdsailing
Fri Feb 09, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 8114

Re: Suggest coffee maker please

1. Correct grind, for which you need a decent grinder. 2. Correct ratio of coffee to water. 3. Method(drip, French press, Melita, vacuum, etc.). 4. Water temp. 5. Coffee type and quality. All four of the above interact with each other. Drip machines mostly benefit from 1 and 2 adjustments. Others ma...
by sdsailing
Fri Jan 12, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: How much more return would DFA funds produce?
Replies: 11
Views: 1541

Re: How much more return would DFA funds produce?

It will certainly produce good returns for the advisor.
by sdsailing
Sun Jan 07, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?
Replies: 31
Views: 2514

Re: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?

Family and safety are excellent excuses. Almost nobody will even notice.
by sdsailing
Wed Dec 20, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1386

Re: Selling an out of print book

The reason is autopricing / repricing software. Also, amateur booksellers who do not understand the market.
by sdsailing
Mon Nov 27, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 7786

Re: Non Stick frying pan

Antique cast iron. Ideal for eggs. Takes getting used to, but so much better than nonstick.
by sdsailing
Wed Nov 22, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 3036

Re: How difficult and expensive to add a new bathroom?

Depends on the house. You need square footage to add two small rooms, which is what you are proposing, unless the 2.5 was an error. Or you need to do an addition. Also dopends on the plumbing. Too many variables.
by sdsailing
Sun Aug 13, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 8229

Re: Expect to spend $2.6M on healthcare?

It simply makes no sense. MANY people live on Social Security with hardly any savings. This verifiable fact would seem to be in direct contradiction to the assertion of multiple millions.
by sdsailing
Sat Aug 12, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 8628

Re: How does personal wealth affect job hunting?

Indeed. My unwillingness involved walking away and not looking back. :D
by sdsailing
Sat Aug 12, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 6220

Re: What home task(s) are worth learning to do yourself?

I think they are ALL worth learning, but this is highly personal. There's no general rule. It also relates to my real estate investing, both now and in the future.
by sdsailing
Sat Aug 05, 2017 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 5273

Re: Beach condo investing

I don't like condos for living in or investing. HOA adds a HUGE risk over non-HOA properties. Wait until all roofs get replaced and you have a 70K assessment for the year, or the condo gets sued and it's 120K. Think such events are unusual or unlikely? think again.

Buy SFRs.
by sdsailing
Mon Jul 24, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 4431

Re: Investing in an AirBNB unit? ROI?

Why are you choosing AirBNB over a normal rental with a lease? It must be a lot more work...like owning a motel, but with NO economy of scale. The financial projections are more complex than a simple rental. This gets to your business plan. You need accurate numbers. You need an accurate estimate of...
by sdsailing
Mon Jul 24, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Patio furniture
Replies: 11
Views: 1753

Re: Patio furniture

I have found excellent patio furniture, for example teak tables, loungers, etc on craigslist and at yard sales for very little money. The thing with new patio furniture is that it is very hard to evaluate how it will weather and hold up. In combination with the high cost, I don't think it's worth it.
by sdsailing
Mon Jul 24, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Best Way to Sharpen Tools
Replies: 11
Views: 1563

Re: Best Way to Sharpen Tools

Look into bench grinders. They will sharpen any straight edge and have other uses in the shop.
by sdsailing
Tue Apr 11, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Forced retirement-Can this work?
Replies: 17
Views: 2971

Re: Forced retirement-Can this work?

JDCarpenter wrote:
stomie wrote:How do you spend $450 a day?

E.T.A.--for example, a 10 day liveaboard dive boat trip in Fiji for two will run $10,000, excluding gratuities and nitrox....
How many of those are you doing each year ?
by sdsailing
Tue Apr 11, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 15141

Re: You can never do "home" - retirement

I'd really like to live on the lake. Also very interested in the tax implications of this. We would love to get out from under some of the California income tax. Even if you got a lower/no state income tax elsewhere, you have a good chance of paying that much more for property tax. That is my partn...
by sdsailing
Tue Apr 11, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Forced retirement-Can this work?
Replies: 17
Views: 2971

Re: Forced retirement-Can this work?

Without a mortgage, daycare, or private schools, how do you manage to spend $13,500 per month ????
by sdsailing
Tue Apr 11, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 15141

Re: You can never go "home" - retirement

Excellent thread topic. Having "retired" recently, I am just starting to explore this issue right now. It would certainly involve retaining our residence(s) in California. Also very interested in the tax implications of this. We would love to get out from under some of the California income tax. Eve...
by sdsailing
Mon Apr 03, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40596

Re: Low-earners- What is your profession?

Anyway, if you want a profession where being top 0.01% barely gets your foot in the door, but you won't even be in the top 25% of earners in the general public, then try Academia. Yes. This is definitely true. I have posted this link before but I think it is worthwhile to post it again. http://data...
by sdsailing
Sun Apr 02, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities the answer for correctly timing transition to retirement?
Replies: 89
Views: 5705

Re: Annuities the answer for correctly timing transition to retirement?

You are dotting i's before the paragraphs have even been written. It doesn't work that way.
by sdsailing
Mon Mar 06, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 5435

Re: Dispute with neighborhood association

Registered mail and in it document your attempts to contact.
by sdsailing
Sun Feb 26, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 4046

Re: moving from landscaper/snow plower to diy in retirement

If there is literally 1.5 acres of grass, $80 seems like a bargain.
by sdsailing
Fri Feb 24, 2017 1:00 am
Forum: Personal Finance (Not Investing)
Topic: How to value this business?
Replies: 4
Views: 730

Re: How to value this business?

You didn't mention the value of the inventory / assets.
by sdsailing
Fri Feb 24, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 14632

Re: risk of my Tesla deposit

Surely BUYING the car in question presents a much bigger risk.
by sdsailing
Wed Jan 18, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 9108

Re: ok to pull plug and retire?

12 million in assets? It will be pretty tight but you will probably be OK.
by sdsailing
Wed Jan 18, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 42
Views: 6026

Re: Does pharmacy school ranking matter?

I'm a some time academic, not a pharmacist. I would look at the institution as an undergraduate institution, not just a pharmacy school. Look at the rankings as a university. Also look at the his 'fit' to the undergraduate culture, just as for a regular 4 year program. That way, if he changes his mi...
by sdsailing
Wed Jan 04, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs. Buy vs. Lease Option Minneapolis
Replies: 11
Views: 1298

Re: Rent vs. Buy vs. Lease Option Minneapolis

Are 300-400K houses really renting for $2200 per month in that market? Just make sure you are comparing apples/apples.

Also, you say you don't have a down payment, perhaps it is worth reflecting on why that is ....
by sdsailing
Wed Jan 04, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 8052

Re: spousal disagreement over how much house to buy

Not sure what I like less: new homes or HOAs.
by sdsailing
Thu Dec 22, 2016 12:47 am
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 2309

Re: White Spot on TV - Caused by Router?

Dead pixel?????

Are we all looking at the same image?
by sdsailing
Tue Dec 13, 2016 12:34 am
Forum: Investing - Theory, News & General
Topic: Trying to fund retirement in late 20s.
Replies: 23
Views: 3399

Re: Trying to fund retirement in late 20s.

Money is fungible. Save as much as you can. The retirement "bucket" is somewhat artificial. If you are that flexible, it would be wise to plan to buy a house during a housing "dip", i.e. when there are many foreclosures. If you are in an expensive RE market, that can accelerate you progress signific...
by sdsailing
Fri Dec 02, 2016 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Is This Insane?
Replies: 28
Views: 4555

Re: Is This Insane?

Emerging has the most growth potential of any index in that the developing world will likely pull itself out of poverty in my lifetime There are a number of gems in your post, but the above is my favorite. Please read some books on investing. Your post suggests the potential to go down the wrong pa...
by sdsailing
Wed Nov 23, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: recommendations on frugal living forums?
Replies: 18
Views: 5503

Re: recommendations on frugal living forums?

Mr Money Mustache seems to be the dominant one. I find it interesting, but mainly read it for entertainment. There is a blog written by the Mr M and a very active forum. There is a certain 'culture' on that forum that is difficult to explain. The main issue in using it for practical purposes is sepa...
by sdsailing
Wed Nov 23, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 10084

Re: Living near a Quarry

Surely it depends heavily on the type of material being mined quarry, the relation to the truck traffic, etc, of the house.
by sdsailing
Fri Nov 11, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Problem with Graduate School
Replies: 30
Views: 5624

Re: Problem with Graduate School

OK, I missed the part about the illness. There is a small possibility then that it would fall under the Disabilities act, if it were, in fact, a disability. There is an even smaller possibility that there would be a case. In that case it will be a legal issue, because the end game is, well a lawsuit...
by sdsailing
Thu Nov 10, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 7521

Re: Kevin O'Leary Fund

I would take Warren Buffet (zero dividend) on his worst day over Kevin O'Leary on his best day....any time.

Looked at the O'Leary fund a couple years ago and it looked terrible.
by sdsailing
Thu Nov 10, 2016 11:46 pm
Forum: Personal Consumer Issues
Topic: Problem with Graduate School
Replies: 30
Views: 5624

Re: Problem with Graduate School

A friend of mine attended a graduate school and found out that some of his grades were manipulated to show a lower grade and force him to leave the school. Does anyone know of any recourse that he might have? He has filed a grievance with the dean, but has not even heard back. The cpc protects you ...
by sdsailing
Mon Nov 07, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1841

Re: Remodeling vs Moving

I don't think there is really enough information for anyone to contribute substantially to your decision. You haven't mentioned any costs, values (current or original purchase) of the house, or details of your financials. You did mention that you could replace the savings in 1-2 years, from which we...
by sdsailing
Sun Nov 06, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7494

Re: Sister scammed online, several $K - not sure what to advise

Sue him in court. I wouldn't even hire a lawyer. Bring copies of the emails and whatever other documentation you have. IMO, complete waste of time and money. Even if she wins, there is nothing there to collect. It sounds as though she lent 8K to him for a car. She would sue for that. Do you mean th...
by sdsailing
Sat Nov 05, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 14322

Re: How much home can/should one buy?

In my area, annual median income = 150K. Conventional wisdom says that you should buy a 600K house. KlangFool What kind of house can you buy for 400K in a place where median income = 150K? What's the median house price in this area with median income of 150K? For example: La Jolla: median income is...
by sdsailing
Sat Nov 05, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 17039

Re: Which state to move for milder weather

I don't think Santa Barbara and San Diego are comparable in terms of tech companies.
by sdsailing
Sat Nov 05, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 14322

Re: How much home can/should one buy?

In my area, annual median income = 150K. Conventional wisdom says that you should buy a 600K house. KlangFool What kind of house can you buy for 400K in a place where median income = 150K? What's the median house price in this area with median income of 150K? For example: La Jolla: median income is...
by sdsailing
Sat Nov 05, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: You know you have "made it" when ...
Replies: 11
Views: 2184

Re: You know you have "made it" when ...

Cat food in those tiny little cans :confused .


You didn't say what you did with the toilet paper!
by sdsailing
Sat Nov 05, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House
Replies: 13
Views: 2685

Re: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House

IMO the degree to which paying cash simplifies the real estate transaction is worth AT LEAST a couple thousand dollars. I've paid cash for a house in a situation where it was the only way to get the house. It is also an advantage in negotiating, including negotiating the price. Thus, you may be able...
by sdsailing
Sat Nov 05, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 17039

Re: Which state to move for milder weather

I would focus on cities or counties rather than states because the climate can still be quite variable (CA and FL, for example).

San Diego is about as good as it gets in terms of "mild" (also quite lower in temp from Los Angeles in summer).
by sdsailing
Sat Nov 05, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 6590

Re: Gaming system for kids?

I'm in my 30's and have what I think is a great job. I have lots of friends, love sports and many other hobbies. I love the outdoors. I was introduced to video games as a child and was hooked.....my parents would have to kick my friends and I out of the house to get us outside sometimes. Looking ba...
by sdsailing
Thu Nov 03, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 2951

Re: Can Garmin or Tom Tom GPS Navigator do this?

Just out of curiosity, why the heck do you want to simulate a trip? After you program in your destination, there are screens you can access where you can see all the turns, mileage between them etc, on one screen to review them. You can also see your entire route plotted out on a map. I suppose one...