Search found 284 matches

by Frisco Kid
Fri Dec 08, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 1521

Re: Extended warranty on 2018 Outback

Former mechanic here....For anyone planning on keeping a car a long time an extended warranty makes sense to me, consider it an additional cost of ownership. I say that because cars are getting more and more complex with added electronics and computers for every system. I did not always think this w...
by Frisco Kid
Fri Dec 08, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1870

Re: Fuel Additives for 2017 Toyota Camry

Ethanol separation can be a problem but typically in older vehicles with rubber parts in their fuel systems and when cars are stored. If you run through a tank monthly you should be fine. Any issues would be covered under warranty initially anyways.
by Frisco Kid
Thu Dec 07, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25845

Re: Why not take Social Security at 62

Our main concern with delaying past FRA (66 for us) is that there is no way to know what changes in future benefits may be. If we use tax deferred funds to cover the 4 year gap that $ is gone. What if we do that and future benefits are reduced? A couple of years away from having to make that decisio...
by Frisco Kid
Thu Nov 30, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 17006

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

In Op's own words new position is with a company where the environment is more intense and hard driving. To me that says it all, makes sense to stay put. 4 to 6% yearly raises are not all that bad either.
by Frisco Kid
Wed Nov 29, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5448

Re: When to tell the SO about my financial situation?

+1 with the question are you old enough to be her daddy? I see red flags a plenty, specifically her looking into your personal things. 7 months is no time at all in a relationship. Proceed VERY carefully OP......................
by Frisco Kid
Tue Nov 28, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8473

Re: Can I afford a $1,400,000 house

Another no vote here for all the reasons previously mentioned................
by Frisco Kid
Tue Nov 28, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5116

Re: How Do You Stay Current With Popular Music?

No help here regarding current music. Totally old school audiophile listening on 70's era equipment. Was locked primarily into 1957 to 1972 as a kid and remain there today at age 63. There are many new releases from old artists coming out all the time however on labels such as Ace, Kent, Teensville,...
by Frisco Kid
Tue Nov 28, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1132

Re: LCOL vs HCOL real estate - which is the better buy?

Watty's point below is true. We bought in the Bay Area in 1983 with a 11.9% NEGATIVE AMORTIZED loan. Home cost was $170k and represented 4x income at that time. What is mind boggling is that mortgage interest rates were well over 10% then so that adjusted for inflation the mortgage payment on a $200...
by Frisco Kid
Mon Nov 20, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3257

Re: Unexpectedly in the housing market--should we buy this house or wait?

I also see no reason to rush and buy now, being able to buy a home for 1x yearly income puts you in an outstanding position. If you are considering new construction do make sure the new home will be completed and ready for move in per your timeline so you don't find yourself needing temporary housin...
by Frisco Kid
Mon Nov 20, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 105
Views: 11981

Re: The valet smashed my Tesla into a brick wall!

I can't even imagine the level of frustration I would have in this circumstance, my wife would have walked me offsite to help me control my anger all the while whispering to me to take deep breathes. Nobody is paranoid or a weenie when opting for self park IMHO. Hopefully this will work out, please ...
by Frisco Kid
Tue Nov 14, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2116

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

For the type of cooking you are doing a "properly sized" externally vented hood would do a much better job of ventilating your kitchen. People in the trades have told me a microwave with a vent is marginal at best, regardless of how it is vented.
by Frisco Kid
Tue Nov 14, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5377

Re: Keurig died...what now?

Sadly many things today are built to a price point with planned obsoiecence the manufacturers primary goal. We have had several Keurigs die after about a year. Always bought at Costco so were able to exchange but got to be a hassle. We recently upgraded to a Mocha Master however it does not offer K ...
by Frisco Kid
Tue Nov 14, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2820

Re: places to live near Stanford University

OP, Palo Alto is currently one of the highest cost of living areas in the country. Surrounding areas also tend to be very expensive. You could consider living in the San Jose or Fremont areas but the commute will be brutal. Commuting INTO Palo Alto from anywhere in the area during normal work hours ...
by Frisco Kid
Mon Nov 13, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2565

Re: Audiophile Headphones

As others have mentioned, the rest of your equipment matters. I listen to Grado GS1000i's with their matching dedicated headphone amp and they do reproduce EVERYTHING. Unless a person plans to listen seriously through a minimum of mid quality stereo equipment and good source material, you probably w...
by Frisco Kid
Tue Nov 07, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 37
Views: 3608

Re: Fair Price for a Kitchen Remodel

If your material estimates are fairly accurate, $124k does seem excessive considering you are keeping appliances and flooring with minimal plumbing or electrical work required. As others have suggested if this work is not time sensitive makes sense to wait. An aside going forward will be increased m...
by Frisco Kid
Fri Nov 03, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 46
Views: 22673

Re: Honda Care Extended Warranty experience?

Cars in general regardless of manufacturer are becoming more complicated each model year. IMHO you cannot compare the owner experience from a 2008 in considering an extended warranty on a 2018 as the cars are two different animals. Sure, Hondas are known for solid mechanical reliability but consider...
by Frisco Kid
Fri Nov 03, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3423

Re: Help me understand the Used Car Dealership perspective

Can you give us some actual numbers please. I would NOT be surprised to see $2k over KBB blue book at a Subie dealer? The way they have responded to your offers and the decal over the camera would have worn out my patience long ago. Unless this car is really something special why not just go to anot...
by Frisco Kid
Thu Nov 02, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3575

Re: Car battery?

Newer cars have a lot more electronics on board that MAY result in shorter battery life. Suggest you consider replacing at 36 month intervals. Trickle charger could be another option but a pain for a daily driver. 45 months is good battery life as mentioned................
by Frisco Kid
Tue Oct 31, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Shoes & Sandals & Athletic & Hiking Wear
Replies: 11
Views: 1116

Re: Shoes & Sandals & Athletic & Hiking Wear

Have had good luck with Keen for lighter duty and Timberland for more serious hiking. Love Birkenstocks for comfort but I wear them out ridiculously fast, talking like the sole is toast and separating in 6 weeks with everyday use. Seriously.............
by Frisco Kid
Tue Oct 31, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3486

Re: Breaking point to get a new to newish car

OP, tell us a bit about the history of the car and your usage; Bought new or used? If used mileage when bought? Miles driven per year? Maintenance history? Current mileage? Above answers would help determine my breaking point. Side comment, own a 4 Runner and they are fantastic vehicles if you need ...
by Frisco Kid
Fri Oct 27, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 3043

Re: dishwasher recommendations

+1 for Miele. On our second, first lasted 22 years (not a typo). Expensive for sure but they work amazingly well and are extremely durable. They build to a "gold standard" versus a price point. We love ours!
by Frisco Kid
Fri Oct 27, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 256989

Re: Best watch for around $5,000?

Happy Birthday! I would suggest a recently serviced pre-owned Rolex in mint condition. Plenty to choose from sold by reputable internet sellers.
by Frisco Kid
Fri Oct 27, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3102

Re: bedroom color-current trend?

If anyone is wondering what colors BUYERS prefer, Money magazine had a recent article. If anyone is going to sell and painting anyway this information might be helpful. As I recall, blues and grays were among them..................
by Frisco Kid
Fri Oct 27, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5191

Re: What is going on with the home insurance rates?

HO policy with Farmers up 12% to $1240. Also have 4 cars insured with them for maximum discounts. I suspect they will have large losses due to the recent Northern California fires which destroyed nearly 6000 homes so anticipate another increase for next year
by Frisco Kid
Tue Oct 24, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11594

Re: Can one have too much money in tax-deferred

This will be an interesting thread. He does have a point, as we age into say the last decade or so of our lives, RMD % get very high. Although my magic 8 ball is not currently working, I believe it IS mathematically possible for SOME of us to be in a HIGHER tax bracket in retirement? Would be intere...
by Frisco Kid
Sun Oct 22, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5340

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Life long car guy here, the "fun" cars have always been NON daily drivers. Goal with those cars are reasonable yearly mileage and limited exposure to door dings,etc. As you know, tires and brakes will cost you big time and running up the mileage on a 911 Turbo will negatively effect the resale. Keep...
by Frisco Kid
Sat Oct 21, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18130

Re: Does anyone here with net worths north of $1 mil use financial advisors?

+1 for always being DIY. Like others have mentioned, consider myself a student of investing principles and find BH very helpful. Full disclosure, the lions share of our investments are in tax advantaged accounts so tax efficiency is not a factor. If we had +$1M taxable I might answer differently tho...
by Frisco Kid
Wed Oct 18, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10395

Re: how long did it take to get used to retirement

Retired 3.5 years now, transitioned immediately and seamlessly. Had a bucket list of things to do so there was a path to follow. Volunteer work plus gardening and other hobbies along with taking care of the house with shopping,laundry, etc keep me more than busy. Throughout most of my career I worke...
by Frisco Kid
Sun Oct 15, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7606

Re: What are you driving? And would you buy your current ride again?

Primary vehicle is a 2016 Toyota 4 Runner Trail Premium bought new. Would absolutely buy again. No longer commuting so gas mileage much less of an issue now.
by Frisco Kid
Fri Oct 06, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15347

Re: Bay Area Real Estate

The Bay Area has ALWAYS been expensive. We bought back in 1983 a home that was 4x our combined income. Nothing fancy, a new construction tract home in the East Bay.
by Frisco Kid
Thu Oct 05, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3142

Re: That blank stare... ?

My wife also is not at all interested trusting me to handle our investments. She wants to know we have "enough" for retirement but not the details.
by Frisco Kid
Wed Oct 04, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15347

Re: Bay Area Real Estate

I live on the Peninsula. Anecdotally, about half of the houses on my street have been sold in the past decade due to owners going into assisted living situations or dying. Prices have not decreased. The above is true for me as well with the % being closer to 75% and ALL of those people had been in t...
by Frisco Kid
Wed Oct 04, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4489

Re: Waxing my car!

Have used Griot's products for years with outstanding results. +1 on others comments that unless you enjoy doing so modern cars really don't need to be waxed. As an aside, using a high quality car cover pays off in spades for keeping the paint in top condition.
by Frisco Kid
Wed Oct 04, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2772

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

Lot's of things happening in your life right now. New job for you, wife in graduate school, kids possibly in a year. Sit back for awhile and see how all these things turn out. As others have said, your future earnings will give you many choices.Congrats on paying off your student loans, are we to as...
by Frisco Kid
Wed Sep 27, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Toyota rear-differential warranty question
Replies: 10
Views: 1206

Re: Toyota rear-differential warranty question

Tough call, warranty company holds all the cards. I do suspect as others have mentioned if your vehicle is not up to date on maintenance they quite likely will deny your claim. Fluid changes are a critical maintenance item although rear differential failures are NOT common. Good luck.........
by Frisco Kid
Tue Sep 19, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Another cut the cable thread
Replies: 14
Views: 1441

Another cut the cable thread

Interested in hearing about some BH alternatives to cable tv. We would like ability to record programs. Your thoughts and ideas please?
by Frisco Kid
Fri Sep 15, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Have X times your salary saved by age Y.
Replies: 60
Views: 6509

Re: Have X times your salary saved by age Y.

One advantage to using expenses is that you have "some" control over them. For example you can move to a location with a lower cost of living perhaps eliminating a mortgage. Sure, many will say don't retire with a mortgage to begin with but that is not an option for some. Don't buy the new car,etc.....
by Frisco Kid
Thu Sep 07, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3612

Re: Keep or let go of my car?

$175 per hour for diagnostic time is the going rate here in the Bay Area also. As denovo suggested, find an indie shop but anyway you look at it BMW parts are going to be expensive. Curious as to EXACTLY what triggered your check engine light?
by Frisco Kid
Thu Sep 07, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Replacing Old Shower handles
Replies: 21
Views: 2232

Re: Replacing Old Shower handles

Does your shower function correctly and you just don't like the look of the handles? Trying to replace them could open up a big can of worms. Any idea how old they are? Even if you could get them off which is unlikely, finding/fitting new ones could be a pain. If you were to replace the entire unit ...
by Frisco Kid
Tue Sep 05, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 3176

Re: Are you a "car guy" or "car gal", how do you fund?

OP used the words "hobby car" in the original post. I am a life long car guy age 63. IMHO a hobby car is most likely a classic 20+ years old and far removed from daily commuter status. It may be driven daily but not under commute conditions. Most of us tend to buy and hold and these are second, thir...
by Frisco Kid
Fri Aug 25, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 5965

Re: Quietest tire for 2017 Honda CRV?

+1 that tire noise is largely related to type of tire. If your usage requires an off road type tire, ALL manufacturers product will be noisy. On the other hand applying a product such as DynaMat will provide noise reduction across all tire types. I am familiar with DynaMat on older hobby cars for no...
by Frisco Kid
Tue Aug 15, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9501

Re: Is $9000 too much for a sectional sofa ?

Quality furniture is expensive. We have bought high end pieces but always on sale and we don't have kids. We also have spent $3k to have a sofa reupholstered.
by Frisco Kid
Mon Aug 14, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should $100K for remodeling come from savings or from refinance?
Replies: 14
Views: 1999

Re: Should $100K for remodeling come from savings or from refinance?

I would begin by getting some estimates as this work might be much more expensive than you think. Also live in a similar age home and there can be many surprises along the remodeling path.... $100k doesn't buy that much. Appliances, cabinets and bathroom fixtures add up VERY quickly. Just my 2 cents...
by Frisco Kid
Mon Aug 14, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7849

Re: How useful is a home security system?

I sold security systems for many years. This has "inside job" written all over it. If your system had either a glass break and/or motion detector it would go into alarm whether the door was opened or not. Whoever did this had information about the alarm system and knowledge of the $ being there IMHO...
by Frisco Kid
Mon Aug 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Long Distance Auto Transport
Replies: 7
Views: 608

Re: Long Distance Auto Transport

Have friends that have used Reliable Auto Transport on several occasions with excellent results, typically collector cars.
by Frisco Kid
Wed Aug 09, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 794

Re: Remodel or move?

Does your current home/lot provide adequate storage, yard, garage space etc? Many times you can remodel adding rooms but depending on your lot size it may still be a compromise. For example our lot is 40' wide (5000 sq ft') drastically limiting our options from a remodel standpoint. We have a nice h...
by Frisco Kid
Wed Aug 09, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1996

Re: Metal vs Vinyl sheds

Is your 5' clearance house to fence? If so it will be difficult to move items and walk past the shed. Also have a small home and totally understand the quest for additional space. My office/man cave is in the back of the garage with the washer/dryer and hot water heater......
by Frisco Kid
Tue Aug 08, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5693

Re: Buying a Vehicle the Old Fashioned Way

+1 for lthenderson's comments. I am in California and he is in Iowa, I agree with him completely.
by Frisco Kid
Tue Aug 08, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4144

Re: Any veterinarians that can quickly weigh in re: estimate?

2 months ago 2 teeth extracted plus cleaning cost $1466 in VHCOL. Over the last 10 years have spent $6560 on dental care for our Persian kitty Rosie. It has gotten more expensive for sure but what you going to do? Been using this vet for 25 years, I have been told we could save money by driving 20 m...
by Frisco Kid
Tue Aug 08, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4614

Re: Deja Vu.. are there too many houses for sale?

MoonOrb, sounds like the Bay Area! 40% over asking and losing the deal almost defies logic. What area are you referring to?