Search found 399 matches

by Frisco Kid
Tue Jul 02, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bother...
by Frisco Kid
Tue Jun 25, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.
Replies: 13
Views: 834

Re: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.

Unfortunately for the end user as cars become more and more complex these kinds of issues will be commonplace. As a former tech experience tells me the challenge at the shop level whether dealer or independent is that of training. Looking forward beyond warranty coverage a lot of issues with technol...
by Frisco Kid
Sun May 12, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can we really afford $1.25M house?
Replies: 44
Views: 5763

Re: Can we really afford $1.25M house?

California state income tax will hit you hard selling that amount of stocks to fund your down payment, don't forget to factor that in. Are kids in your future? You mentioned that you were newly married, makes sense to me to let her find employment, reduce your spending and concentrate on saving your...
by Frisco Kid
Thu May 09, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: I have a car problem - $100K+ Cars
Replies: 48
Views: 6697

Re: I have a car problem - $100K+ Cars

Must consider transaction costs as well. A resident of a no sales tax state, Oregon for example on a $150k purchase would have a huge cost advantage over say a California resident like me. Registration costs alone would vary greatly as well. The CA owner would need to sell a year later for $16.5 k o...
by Frisco Kid
Sat Apr 27, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4080

Re: Wifi extenders vs Mesh network

Mesh worked best for us as well, set up by internet provider. Not the least expensive way long term but have no worries when there are issues. Tried an extender first with poor results. Our home is small was a bit surprised extender didn't get satisfactory results.
by Frisco Kid
Fri Apr 26, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: For those with years on me...Can I afford this home?
Replies: 70
Views: 4779

Re: For those with years on me...Can I afford this home?

As others have said, you can easily afford it. What are your property taxes and HOA fees for your current residence? New place looks about $900 monthly. Having no mortgage at your age is impressive, would stop and smell the roses on that. Am I correct in interpreting that your wife does not appear t...
by Frisco Kid
Wed Apr 17, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14724

Re: In Laws Retirement Nest Egg

Well OP, you asked so here goes. Fortunately for you , you were raised with a silver spoon in your mouth that appears to still be in place. Count your blessings, I suggest you spend the time you are now using worrying about your in-laws to perhaps become an avid seeker of wisdom which is something y...
by Frisco Kid
Mon Apr 15, 2019 6:45 pm
Forum: Personal Investments
Topic: Itemized deduction for CA Taxes
Replies: 11
Views: 1098

Re: Itemized deduction for CA Taxes

If you do hard copy taxes you will use Form 540 Part II Adjustments page. California is non conforming on SALT so amounts over $10k Federal limit can be a California itemized deduction. Part II is a bit involved, easy to err unless you follow closely line by line instructions.
by Frisco Kid
Thu Apr 11, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2177

Re: Replacing Main car to get better safety features

To me this is one of those perception is reality topics for many. Do newer cars have updated safety features...Yes. Are they nice to have...Yes. Are they a necessity given OP's mileage...probably not. So to me this is a want versus a need. If a persons goal is to always drive a car with the latest a...
by Frisco Kid
Thu Apr 11, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8846

Re: Buying a house next year. Wife wants a big house. Thoughts?

+ 1000 on the OP and spouse wanting different things. IMHO that needs to be addressed and common ground found before doing anything. The cost of a larger home is just the beginning, taxes maintenance, additional furnishings, etc. Can be a one way ticket on the hedonistic treadmill.
by Frisco Kid
Thu Apr 04, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)
Replies: 54
Views: 3986

Re: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)

OP would suggest you stay put.............. Get your pension vesting and buy the townhouse. Many would envy your CURRENT situation.

zeal...... congrats as you are wise beyond your years IMHO.
by Frisco Kid
Fri Mar 29, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4263

Re: Retirement: What expenses did you reduce?

For us we reduced retirement savings and watch what we buy (wants). 2019 is our gap year before we start SS. Other than that nothing else.
by Frisco Kid
Mon Mar 25, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5931

Re: Family man who misses driving a fun car

Life is all about compromises. Have learned many times that if you wait for everything to be "right" many times that day never comes. While we have no kids, we do have 4 cars, two daily drivers and two fun cars. Single car garage for one fun car, driver car in the driveway, second fun collector car ...
by Frisco Kid
Wed Mar 13, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Tax return maybe lost in the mail
Replies: 12
Views: 1065

Re: Tax return maybe lost in the mail

In the future consider mailing it certified adding proof of delivery using postal form 3811. This form will be mailed back to you with a date stamp confirming it was received. Have done this for both federal and state tax returns for many years with no issues.....
by Frisco Kid
Mon Feb 25, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7535

Re: Who does their own taxes?

Continue to do our taxes the old fashioned way using a canary pad, pencil and calculator. Forms now online so print out but other than that no changes in doing them since 1970. Still mail certified return receipt requested. Tried software but found it actually took longer to type in all the informat...
by Frisco Kid
Thu Feb 07, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: $10,000 for a bed?
Replies: 36
Views: 2182

Re: $10,000 for a bed?

You aren't missing anything, you simply have a totally opposite view of the value of a $10,000 bed. Both of you are correct....to quote a BMW add..."Perception is Reality" Different strokes for different folks!
by Frisco Kid
Wed Feb 06, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10831

Re: How much do you keep in checking?

Retired keeping a minimum of $2500 to a maximum of two months expenses $20k
by Frisco Kid
Sun Feb 03, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Standby Generator Battery
Replies: 9
Views: 707

Re: Standby Generator Battery

Always good to keep in mind that a portable jump starters ability to jump start a discharged battery has many variables, primarily what is current voltage of battery to be charged and state of charge in jump starter. Short of the long the theory is correct but the end result can be jump starter cann...
by Frisco Kid
Tue Jan 29, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 8130

Re: What did you learn from 2018 in the markets?

Interesting post. As I read the individual responses I try to determine what stage of life people are in. As a recent retiree now entering the distribution phase using investments as a gap to taking SS am very glad having re-balanced to 60/40 primarily from what have learned here. thank you for that!
by Frisco Kid
Thu Jan 17, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7696

Re: How much house can I afford (really)?

A few red flags for me. If you only have mortgage debt your spending to me looks like a runaway train! You spent roughly $160k in the last year, that,s a LOT of $ (Discretionary only was 12.5% of the new house!) The equity you include in your net worth calculation is roughly 30%,look at your net wor...
by Frisco Kid
Sat Jan 12, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4138

Re: Brake fluid replacement?

The shop that I use typically tests the moisture content of the brake fluid as part of their inspection, above 4% they recommend changing it. While I typically have this service done have not studied at what moisture % safety becomes an issue. Has anyone looked into this?
by Frisco Kid
Tue Jan 08, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7920

Re: Safe withdrawal rate at 38 years old

How many years of current expenses would the sale price of your company represent? You could have a 60 year time horizon to cover.
by Frisco Kid
Tue Jan 08, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: When did tax planning become important for you?
Replies: 20
Views: 1492

Re: When did tax planning become important for you?

Same thoughts as Shallow Pockets. Recently retired and looking to defer SS until 1/2020 will start selling investments with long term capital gains up to top of 0% MFJ bracket. Tax efficiency is a top priority and always on my mind.
by Frisco Kid
Sun Jan 06, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 6257

Re: How do you view a savings surplus in retirement?

In the OP's example of having a 25% overage in the amount of 250K I would consider perhaps 20% of the overage (50K) as spendable, otherwise it is a cushion in my mind.
by Frisco Kid
Fri Jan 04, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2777

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

Will not get into where/when of buying a manufacturers extended warranty however do believe they are now worth a look due to all the sensors, displays,computers, etc. Cost of ownership for whatever you choose to drive is only going to go up. My other future concern is parts availability for those of...
by Frisco Kid
Fri Jan 04, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3598

Re: master suite features for addition

For us in addition to being adequately sized would be a walk in closet area with additional storage, large walk in shower and an 8 foot slider with a deck providing a view of our garden. Our small 5000 square foot lot and building codes would drastically limit our options.
by Frisco Kid
Sat Dec 29, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Affordability of SS Delay
Replies: 19
Views: 1678

Re: Affordability of SS Delay

It seems to me that covering your "gap years" while accelerating paying off your mortgage concurrently will result in a very high level of expense (burn rate) until SS kicks in. You mentioned the option of being able to have one spouse claim at FRA while the other files a restricted application for ...
by Frisco Kid
Sat Dec 29, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1016
Views: 272048

Re: What is your Year 2018 networth change?

Portfolio down about 6% @ 60/40. Primary residence up 11% in a VHCOL area. To answer OP's question am up about 5% overall but all it really represents is a number on a net worth statement.
by Frisco Kid
Fri Dec 28, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2545

Re: Why do people buy- performance cars?

OP, may I respectfully say that if you have to ask you just don't get it...........................
by Frisco Kid
Tue Dec 18, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Worx 20v battery leaf blower
Replies: 12
Views: 1055

Re: Worx 20v battery leaf blower

Presently using Green Works 80V garden tools. The hand held blower has sufficient run time and power for the average home owner and the battery recharges quickly.
by Frisco Kid
Tue Nov 06, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 401K distributions before age 70 1/2 RMD's
Replies: 3
Views: 273

401K distributions before age 70 1/2 RMD's

How much flexibility at age 65 do we have in taking 401k distributions? Can we choose what we sell and when or do we need to rollover to an IRA?
by Frisco Kid
Thu Oct 25, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1478

Who profits from day to day market swings?

Can't help but wonder given this years crazy market swings that somebody has got to be profiting almost on a daily basis buying the dips then selling immediately on the upswing? Thought it might make for an interesting discussion so please respond with your thoughts. The big swings this year seem so...
by Frisco Kid
Wed Oct 24, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 29
Views: 2686

Re: Car Gurus ... Air Filter Recommendations

Former technician here +1 for OEM
by Frisco Kid
Wed Oct 24, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Cat's dental work costs
Replies: 31
Views: 2390

Re: Cat's dental work costs

Op's quote includes oral surgery which tells me teeth are being extracted? If so quote is within reason. If this is cleaning ONLY quote does seem high.
by Frisco Kid
Mon Oct 22, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of a (very) Appreciated House
Replies: 19
Views: 2218

Re: Tax Implications of a (very) Appreciated House

California is a community property state, have been told that would mean your MIL receives a step up in basis upon her husbands death. Can others verify?
by Frisco Kid
Wed Oct 17, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application
Replies: 3
Views: 400

Social Security Restricted Application

DW was born prior to 1/1/1954. Is she eligible to file a restricted application on my benefit after/if I claim at FRA in 1/2020? She then would take her full benefit at age 70 which is larger than mine. Is it correct that she would receive 1/2 my benefit until she files for her full benefit in 2023?
by Frisco Kid
Mon Oct 15, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Entering distribution phase of retirement
Replies: 2
Views: 616

Entering distribution phase of retirement

DH and I both retired now at age 65...thinking of strategies to defer SS as long as possible using available investments as sole income source. Monthly after tax expenses are $7000. Looking for BH wisdom and suggestions on whether to first liquidate stock holdings subject to long term capital gain r...
by Frisco Kid
Mon Oct 15, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4265

Re: How Much Is Your Sewer Bill?

Old infrastructure here on SF Peninsula with large expenditures budgeted for maintenance/upgrades over the next few years. We pay flat rate sewer per parcel via property taxes, water is separate based on usage. Last year sewer only was $443 with an increase to $816 for this year. Future increases th...
by Frisco Kid
Thu Sep 27, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Miele Dishwasher Installation
Replies: 3
Views: 760

Re: Miele Dishwasher Installation

We replaced a Miele with another Miele. The new one was very sensitive to the angle of the drain hose (our goes UNDER the floor) for it to drain properly. 4 years later all is fine
by Frisco Kid
Tue Sep 25, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26585

Re: What is your single most expensive mistake?

Choosing to buy new cars for primary transportation (two drivers) owned 10 over the last 40 years.
by Frisco Kid
Fri Sep 14, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 8078

Re: Leasing Cars in Retirement

Op here.....keywords are IN RETIREMENT. All purchases in our case would trigger a large taxable event, looking at how leasing might offset that or not......
by Frisco Kid
Fri Sep 14, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 8078

Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please ...
by Frisco Kid
Thu Sep 13, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10947

Re: Massive Student Loan Debt - Fiancee

The two of you are clearly totally out of sync regarding finances. Many other posters here have shared they started where you are and have made it work so it can be done through communication and compromise. However in the end my gut tells me you would be better off finding someone that shares your ...
by Frisco Kid
Wed Sep 12, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4221

Re: How often do you guys get alignment done on your cars?

+1 for when buying new tires or if there is a handling issue if by chance you hit a curb hard, etc.
by Frisco Kid
Thu Sep 06, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3649

Re: Sell our new home to downsize

Agree with others to eliminate extra mortgage payments, reduce expenses where possible and stay the course. IMHO your perception right now is short sighted, consider taking a longer view forward and existing house could work out just fine, especially if you have two more kids. Buying at 2.5 HHI is n...
by Frisco Kid
Tue Sep 04, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 3359

Re: When do you drop collision insurance?

A point not yet mentioned....Given the OP's desire to keep this car several more years, the cars value in usage is higher than the value in dollars, especially if the car has been properly maintained. Looks like averaging about 8k miles yearly. I would hedge my bet and keep the collision coverage.
by Frisco Kid
Sun Aug 26, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Sale of pre-owned Rolex
Replies: 7
Views: 1056

Re: Sale of pre-owned Rolex

Op here, appreciate all the replies. Considering selling a man and woman's Oyster Datejust 18k/stainless.
by Frisco Kid
Sat Aug 25, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Sale of pre-owned Rolex
Replies: 7
Views: 1056

Sale of pre-owned Rolex

Has anyone sold their Rolex watch(s) using WatchPayer? They place the agreed upon funds in a third party escrow fund BEFORE you send them your watch. Sounds pretty easy with cash available upon their receipt of your watch. Your thoughts please...................
by Frisco Kid
Thu Aug 23, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years
Replies: 26
Views: 1912

Re: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years

Interesting question. I believe many things beyond our control will limit how many years a classic could be driven. Parts and fuel availability, getting in/out, reliable mechanic, etc. Also future legislation on how long ICE vehicles can stay on the road. I assume OP has other vehicles? Consider als...