Search found 1117 matches

by tyrion
Wed Sep 19, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3600

Re: Does this job exist (another want-to-quit-corporate-world thread)?

Consider this another vote for sticking it out. I don't really like my IT job all that much, but it pays the bills and every year I get a little bit closer to retirement. Could you work remotely for a week every month, or every two months? If so, you could join your wife in her remote location. Both...
by tyrion
Mon Sep 17, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4479

Re: Dilemma: Add room to current house or buy new house?

How many kids? What ages? I've got ~5200 square feet finished (including the basement; about 3800 square feet above grade), but have five kids and two big dogs. It sometimes feel ridiculously oversized (particularly if I happen to be home alone) but when everyone is doing something in different par...
by tyrion
Wed Sep 05, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1662

Re: How to tell which vent is dryer vent?

It's possible the dryer vent line is blocked to the point that no air can get out. OR that the line is disconnected somewhere. Take the vent line off the back of the dryer temporarily. See if the dryer works now. Yes, you need to start at the beginning and trace the problem down the line. Disconnec...
by tyrion
Tue Sep 04, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent UTMA - questions
Replies: 18
Views: 877

Re: Grandparent UTMA - questions

You could also request that the UTMA accounts foot the bill for any taxes due.

Our kids have UTMAs under our parental control. The first year they owed some taxes we covered it from our accounts, the second time it happened we withdrew money from the UTMA accounts to cover it.
by tyrion
Tue Aug 28, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move all my bonds to 401K?
Replies: 9
Views: 1044

Re: Should I move all my bonds to 401K?

So you're paying a 20 basis point premium (.75 for the bond index fund, .55 for S&P 500 index) to have bonds in the 401k vs the Roth IRA. The total stock and total bond in the Roth IRA have effectively the same ER. You're not paying .70 more, because something needs to be purchased in the 401k and y...
by tyrion
Mon Aug 27, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 12
Views: 1516

Re: 8-month windfall check-in

i would not have put 3/4 MM in a TDF in taxable. why? As you age, it will be spitting out dividends that are taxable at your marginal rate. However, to make a change you will need to cash out and realize capital gains. Consider investing the Inherited IRA in 100% Vanguard Total Bond Index while put...
by tyrion
Fri Aug 24, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8604

Re: $65K Fun Daily Driver

Having read all of this thread but not being super-aware of the choices in the 65k price range, I find myself wondering why you don't just keep the 911 turbo and replace the daily driver with something more boring but easy-driving. Get a GTI with the dual clutch automatic. Or a Mazda6 with the turbo...
by tyrion
Thu Aug 23, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: How come people use Amazon Locker?
Replies: 15
Views: 1538

Re: How come people use Amazon Locker?

People who travel frequently.

People who might want to have something delivered without their spouse/family/roommates seeing the amazon package.

But yeah, usually it's because things disappear from doorsteps in certain areas.
by tyrion
Fri Aug 03, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA - Liquidating stock investment
Replies: 3
Views: 385

Re: UTMA - Liquidating stock investment

I suppose I should add that we prefer index funds, but are stuck with this stock for now due to aforementioned reasons. It would be nice to reduce our exposure, but probably not to the extent of paying max capital gains rates of 20% plus California rates.
by tyrion
Fri Aug 03, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA - Liquidating stock investment
Replies: 3
Views: 385

UTMA - Liquidating stock investment

I guess I should start with a little general information: Us (the parents) - age 46, 22% tax bracket. State of residence - California Kid 1 - age 13 Kid 2 - age 11 We are on track for retirement but don't have a lot of extra (taxable) investments. We both work. Kids are planning on college (early te...
by tyrion
Fri Aug 03, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4857

Re: Which diet soda pop do you enjoy?

I used to drink only sugar sodas. Coke, root beer, etc. Diet anything tasted awful. Then I switched to diet. Primarily coke zero, but I would drink any of them. Regular soda tasted awful - way too sweet. Then I stopped drinking any soda at all. Now I just drink seltzer water. It's surprisingly good ...
by tyrion
Thu Aug 02, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 2951

Re: Car price ratio to NW

In our mid-40s, we spent about 18% of our gross yearly income on a slightly used but very nice SUV. That was a bit more than 2% of our networth (not counting home equity). I would suggest that % of income is the more useful metric early in life, as it will dictate home much you have left over to pay...
by tyrion
Thu Aug 02, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1301

Re: Advisor trying to convince me to buy annuities

I usually go with "no thanks, I'm not interested". That tends to do the trick. You don't owe him an explanation, and you don't need to prove to him that you know your stuff.

Just tell him no and move along.
by tyrion
Wed Jul 25, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5833

Re: Home Theater vs. Soundbar

When we recently moved we made the 5.1 to soundbar transition. 5.1 soundbar in the family room (wireless sub and surrounds in back) and 2.1 soundbar in living room (wireless sub). Both work fine and sound good enough for movies. Wife is happy because they look really clean. Guests are happy because ...
by tyrion
Fri Jul 13, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2176

Re: How much does your accountant cost?

Mine charges a decent bottle of vodka/wine/scotch. Actually, he doesn't charge that but that's what we give him. Good to have a brother in law in the business. He does charge the kids a hug if they have enough income to warrant filing taxes. I do try to give him everything he needs to do the taxes w...
by tyrion
Mon Jul 09, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 1057

Re: Cost of adding AC and change pipes to old house

Get some quotes from a reputable HVAC contractor. They should be able to tell you if you need a new electrical panel to support central AC and if the ductwork is sufficient or not. My wild guess would be 10-20k. But that's assuming the ductwork is good enough.
by tyrion
Mon Jul 02, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2413

Re: cooling upstairs floor without central AC

Whole house fan is the answer. It will work better than the box fans. There are models available that are super quiet so you can run it while you sleep. We put in a trident Pro and it's fantastic. https://quietcoolsystems.com/products/stealth/ We run it in the evening when the outside temperature dr...
by tyrion
Fri Jun 29, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 108
Views: 8124

Re: Can I buy a Tesla?

Do you need a car? Presumably you've been driving something while on the Tesla wait list.
by tyrion
Fri Jun 29, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 3016

Re: Ductless Mini Split AC

We were considering putting in a mini-split for our house in San Diego. Our through-the-wall AC unit in the living room could almost keep up on hot days, but not quite. And it didn't do much to cool the bedrooms, where we had one window unit and one portable unit (and those were loud and annoying to...
by tyrion
Wed Jun 27, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2265

Re: Another should we buy this So. Cal house thread...

My main bit of advice (as a long time San Diego homeowner) is to really pay attention to the commute. I've worked in the same area for 20+ years, and I used to be able to leave before 5pm and miss most traffic. Then it became 4:30, 4, 3:30, etc. Now it's about 2:15 to avoid southbound traffic jams ...
by tyrion
Wed Jun 27, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2265

Re: Another should we buy this So. Cal house thread...

My main bit of advice (as a long time San Diego homeowner) is to really pay attention to the commute. I've worked in the same area for 20+ years, and I used to be able to leave before 5pm and miss most traffic. Then it became 4:30, 4, 3:30, etc. Now it's about 2:15 to avoid southbound traffic jams w...
by tyrion
Tue Jun 26, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7593

Re: Family dynamics/in laws/am I being petty?

Grab the check (or ask the waiter to deliver it to you) Calculate how much 'your' portion of the bill should be. You, wife, half of parents. Bust out the calculator if you must. Do factor in taxes. Add a fudge factor. Just to be safe. When the waiter returns, say 'put X on this card, the rest on the...
by tyrion
Fri Jun 22, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 2217

Re: Two Toyotas - time to update for long trips?

We have 2 similar Toyotas 2007 Prius with 120k miles - add 15k annually 2010 Highlander Hybrid with 100k miles - add 10k annually I hadn't considered replacing the Highlander anytime soon. Hopefully it goes another 8-10 years. The Prius will hopefully turn into the kid car in 3 years. Thankfully it'...
by tyrion
Wed Jun 20, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2531

Re: 1st Car Mechanic service experience

$85? Ugh. You could do the oil change for $25 and buy a new air filter for less than $10. Oh geez. I do this kind of stuff myself but can realize that many people don't have the space or inclination to do so. To add to your $25: - Trip to the store to buy everything. Need ramps, oil filter wrench, ...
by tyrion
Tue Jun 19, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1841

Re: Carpet Installers- Tipping?

I usually tip 5/10/20 per person for the guys who show up to do the work. It depends on how dirty/complicated it is and how long it takes.

But, I like the idea of buying lunch more. I think I'll try that next time.
by tyrion
Mon Jun 11, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5504

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Push gifts
'Babymoon's

And now celebrating (successful) potty training?

I feel like an old codger and I'm only in my mid-40s. I think we celebrated the end of potty training with a high-five or perhaps a kind word to each other? Maybe a drink on the deck.
by tyrion
Wed May 30, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2544

Re: Vehicle Advice for new Boglehead (4Runner)

What is it about that particular truck/model that you like? Off road capability? Appearance? Body on frame build? Toyota reliability? All of those things interest me. I figured it's too much $$ for where I am now - just didn't know for sure if it'd matter that I planned on keeping it for 10 plus ye...
by tyrion
Wed May 30, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 100
Views: 14597

Re: Have $3m at 33, "approach to career" advice needed

What's your plan for health care?
by tyrion
Wed May 30, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2544

Re: Vehicle Advice for new Boglehead (4Runner)

That's too much car/truck for you, my friend. Too much upfront, too expensive to maintain on that salary. What is it about that particular truck/model that you like? Off road capability? Appearance? Body on frame build? Toyota reliability? Maybe you can find something that meets your needs that bett...
by tyrion
Fri May 25, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Whole house fan
Replies: 7
Views: 1692

Re: Whole house fan

I had a Quietcool fan installed last night. I had one in my previous house as well, that I installed myself and it was a bit undersized. This one was installed by 'the quiet cool guys' who apparently cover all of southern California. The previous install was a real challenge. The attic space was sma...
by tyrion
Fri May 25, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

Heat flow from attics is poorly understood. Most heat that leaks from an attic to a living space is due to airflow between the two spaces. When it is hotter outside than in, natural convection causes the living space to be at negative pressure at the top and positive pressure at the bottom (like an...
by tyrion
Fri May 25, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

If you replace all your Christmas lights with LED strings, that should bring the power consumption down by c. 90%. Unless you have done that already, in which case you really do have a lot of Xmas lights. At say 20 cents/ kwhr $70 is 3500 kwhr (say US avg is c. 1250 kwhr pcm). I wouldn't screw up a...
by tyrion
Thu May 24, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

This site says maxitile is guaranteed for 50 years. If your roof is only 20 years old, you have another 30years left. I would NOT replace your tiles just to get the 30% tax break on solar panels. I'd just keep doing what you are doing (100 a month is great) and not worry about the panels at all. Yo...
by tyrion
Wed May 23, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

I've never had a tile roof but have read before that they cut the thermal transfer load by 70% over asphalt shingles mostly due to reflectivity but also due to the separation between the underside of the tile and the roofing underlayment which creates some cross flow air movement. Thanks. I had not...
by tyrion
Wed May 23, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

Bringing this back to the top to see if anyone has experience converting a tile roof to asphalt (or something other than tile). Or any roofers/contractors who can offer unbiased advice.

Thanks!
by tyrion
Tue May 22, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

Is the roof properly vented and does it have insulation (right under the roof itself)? We're getting a new roof in Florida and our roofer said that more important than the roofing product itself is getting the roof insulated and vented properly, so he's installing a proper ridge vent and soffit ven...
by tyrion
Tue May 22, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Re: Tile roof, natural cooling, solar electric

Most houses with Spanish tiles would look strange if switched over to asphalt shingles because of the style. You can get Spanish tile solar panels these days so it's not a matter of installing solar panels over tiles, the tiles ARE the solar panels. Good point on style. Because of the house orienta...
by tyrion
Tue May 22, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1482

Tile roof, natural cooling, solar electric

We bought a new house recently. Last September. We live in San Diego and moved 2-3 miles inland. Despite moving inland, our new house stays significantly cooler than our old house. Even on those late Autumn 100 degree days, we rarely turned on the AC. In our old house, we would have turned on the AC...
by tyrion
Tue May 22, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 3173

Re: Should I buy a new car?

Morning everyone. I like to think that I'm generally a frugal person, but I do have some financial weaknesses, one of them being cars. Awhile back I saw a Jaguar XE in person and since then I've been lusting away. I've been doing a ton of research (6+ months) on the vehicle and it turns out it isn'...
by tyrion
Thu May 17, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3283

Re: Urgent: escrow situation in bay area

Bookmark this thread, come back and update every year (or 2 years) and see how it all plays out. I live in a high cost area, similar age, own too much house (for my income). Also worry about job stability. But living scared is no way to go though life. I try to pay down debt where I can, max out ret...
by tyrion
Thu May 17, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2856

Re: What would you do? takes 6 months to fix a Tesla Model S

Thanks all for the replies. The damage should be fixable and I’m not sure insurance would like to total it. I’ll probably rent on weekly basis and hope the best. I’ve been reading the forum but feel not too much to contribute because there are so many wise opinions out there. That’s why this is my ...
by tyrion
Thu May 03, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2631

Re: Budget for kid's sport?

But...for goodness sakes...what family can devote so much time and money to a child's hobby!?!?!? If you see your kid is crazy gifted - why not? They say McDavid's (https://www.nhl.com/player/connor-mcdavid-8478402) father was spending 120k+ annualy in his development Survivorship bias. For every k...
by tyrion
Thu May 03, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How to finance new home-IN a hurry!
Replies: 22
Views: 1641

Re: How to finance new home-IN a hurry!

We had a similar situation - weren't really looking but then a house came up for sale that was just about perfect in every way. We took a short term loan from parents and made an all cash offer. There is a minimum amount of interest they had to charge (~1.3% at the time). We paid them back after sel...
by tyrion
Sat Apr 28, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5818

Re: Home Theater Stereo/Speakers

We recently moved and went the sound bar route for the downstairs TVs. They just look cleaner, and wireless subwoofers are great for watching movies and are easy to hide away in corners. Now in the bedroom, I have my ‘old’ Onkyo home theater receiver set up with some new ELAC bookshelf speakers and ...
by tyrion
Wed Apr 25, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11493

Re: Wedding - financial burden on couple and attendees

My understanding of destination weddings is they're pretty inexpensive for the couple getting married. The resort makes money on all the guests, so they comp some or all of the traditional wedding costs. Usually it depends on how many people show up. More guests = more money for the resort = lower c...
by tyrion
Tue Apr 10, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3995

Re: How do you estimate your home's market value?

I recently moved, so I have been tracking the values of the two houses (the one we sold and the one we bought) closely. The house we sold was a very common model for the neighborhood. It was built in the early 1960s and was on the small side (3BR/2BA 1200sf) so there had been a lot of modifications ...
by tyrion
Fri Mar 09, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: No hot air or hot water, what are my options with the landlord?
Replies: 20
Views: 1045

Re: No hot air or hot water, what are my options with the landlord?

I googled 'renter rights new jersey' and found this- http://www.state.nj.us/dca/divisions/codes/publications/pdf_lti/habitablity.pdf Seems to cover what you're dealing with. Has requirements for heating and hot water. I would read through it then contact your landlord once you have a good understand...
by tyrion
Thu Mar 08, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7399

Re: Is this too much for a kitchen?

If you were able to do the bathroom (with help), you should be able to do the kitchen too. We did the kitchen in our last house with the help of some friends - one of whom was a plumbing inspector and did some low-cost work on the gas line for the range. I think it was about 8k for cabinets (ordered...
by tyrion
Thu Mar 08, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1763

Re: Garage door extra remote solution

There's a button that appears to say 'learn code'. So yeah, it's possible. Start by looking up the model #. Then search for one that would work on amazon.
by tyrion
Tue Feb 27, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: cheap device to lower auto insurance and/or deter car prowl
Replies: 17
Views: 1556

Re: cheap device to lower auto insurance and/or deter car prowl

Security options for a 3k car that you park in the garage? It's not worth your time unless you frequently park it in vulnerable places during the day. Securing your car against theft is different than securing it against car prowls. For theft, check if your key has a chip (smart key). These have dra...