Search found 1073 matches

by tyrion
Wed Apr 25, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 45
Views: 2915

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: 3407

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: 896

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: 6584

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: 1541

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: 1100

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...
by tyrion
Wed Feb 14, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Advice with Car Replacement?
Replies: 21
Views: 1044

Re: Advice with Car Replacement?

We currently have 2 vehicles, but for a few years we had 3 and at one point 4. It was kind of nice to have an extra car. A few benefits- My Mom often visits for a few days or a week at a time, so it was nice to have a car available for her. (now she needs to rent one when she visits) Once or twice m...
by tyrion
Thu Feb 08, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4478

Re: Who has had a pool?

I would never own a pool, but it's not about resale, saving, maintenance, or germs. I know someone whose child drown in their pool. I know someone whose child died in a car accident but I still own a car. I was going to say something similar but didn't want to sound callous. And unfortunately I did...
by tyrion
Thu Feb 08, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4478

Re: Who has had a pool?

We just moved to a house with a pool. We had considered putting one in, but moving ended up being a better choice for us - now we have several other things which our last house lacked. The pool was on our must-have list. My wife grew up with one, and the kids (10 and 12) spend most of their time in ...
by tyrion
Thu Feb 08, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5433

Re: What time do you go to work?

I'm more concerned about when I leave work. 2:30 most days. Unfortunately that means I start early, but it's worth it.

Traffic where I live is terrible. My commute doubles between 3 and 6:30. There is actually traffic stopped on the freeways at 2:30 some days, but only in a few spots.
by tyrion
Wed Jan 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3549

Re: How to ship two big tubs of butter internationally?

I think it's ridiculous that people don't use the search function. It feels like we're just answering the same questions over and over again.
:sharebeer
by tyrion
Tue Jan 16, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1478

Re: pay off 401k loan or not?

Everyone I have ever talked to that did a 401k loan had to keep it for a minimum of at least one year before they were allowed to pay it back. I think this is set by the 401k administrator so YMMV. Can you HELOC all of it and then refinance it all into a primary mortgage? Payoff options are either ...
by tyrion
Tue Jan 16, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1478

Re: pay off 401k loan or not?

OP, How stable is your job? Changing jobs, layoffs etc. will all trigger a requirement to pay back the loan within 60 days. This is not true. The Trump Tax Reform bill changed that. Now employee has until the following year tax deadline to pay the loan back. OP here. I checked on this and it only a...
by tyrion
Mon Jan 15, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1478

Re: pay off 401k loan or not?

The reason for the HELOC is to pay off some short term low interest intra-family loans. Basically the HELOC and the 401k loan are replacing a previous mortgage. Previously we had a 15 year mortgage with around 125k balance remaining. After buying and selling a house (in that order, using home equity...
by tyrion
Mon Jan 15, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1478

Re: pay off 401k loan or not?

Thanks WoodSpinner. That seems like sounds advice, and I'm kind of leaning towards paying it off (for cashflow reasons) but being somewhat aggressive in paying off the HELOC. My job is stable - I've been at the same company for 23 years. But nobody can predict the future, and I would prefer to avoid...
by tyrion
Mon Jan 15, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1478

pay off 401k loan or not?

Hi Bogleheads, Looking for some advice on this, as I can't seem to make up my mind one way or the other. We recently purchased a new home and sold our old home. In order to make the numbers work I took out a 35k 401k loan. I will also have a HELOC - just waiting for paperwork to finish on that. I'm ...
by tyrion
Mon Jan 15, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: iPhone 5 storage space question
Replies: 5
Views: 537

Re: iPhone 5 storage space question

Google photos app will allow you to store unlimited photos at a slightly degraded (but still very usable) resolution. Can be set to automatically upload photos to the cloud whenever you are connected to wifi.

Highly recommended.
by tyrion
Mon Dec 11, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Sell to lock in 0% cap gains?
Replies: 10
Views: 1437

Re: Sell to lock in 0% cap gains?

I've done this before. Remember to account for state taxes, if applicable.
by tyrion
Thu Nov 16, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2227

Re: RE sale: long close vs. bird-in-hand

This sounds great for the buyer in option A. They get basically a one year option on the house. If they market continues to go up (and Seattle is a very hot market) they have locked in year-old pricing. If the market reverses, they can find some things to scuttle the deal, renegotiate, or walk away ...
by tyrion
Fri Oct 20, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: New Home Owner Help
Replies: 8
Views: 607

Re: New Home Owner Help

On the offhand chance that this is helpful- The two times we've bought a house the agent has included a provision that the seller purchase a one year home warranty for us. I never used it the first time, but I did use it the second time. Our covers all kinds of stuff, including heating and AC. There...
by tyrion
Tue Oct 10, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 3251

Re: Best weight loss resources?

I would recommend reading 'The Obesity Code' by Jason Fung.

No, I'm not calling you obese. But you said you wanted to know the 'why' behind how the body regulates weight. And this book makes a compelling argument that it's more than calories in / calories out.
by tyrion
Tue Oct 03, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 3118

Re: Help with private investment opportunity

How much can you afford to lose? That is the limit on what you should invest. Long long ago, back when I had little to my name but also a very low cost of living, I invested in an IPO that I only had access to because of a friend. In hindsight it was a terrible decision. I put in 10k (basically ever...
by tyrion
Tue Aug 01, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 3636

Re: Any BH mountain bikers?

It's a little tough to give gear recommendations because I'm not entirely clear on what kind of terrain you're riding. It sounds like a skills course. But will you be riding any steep stuff? Rocky stuff? I'm in San Diego so most of my riding is steep and rocky. I wouldn't ride my regular trails on a...
by tyrion
Fri Jun 30, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help with cashflow
Replies: 24
Views: 3553

Re: Help with cashflow

The conundrum is that the 401k contributions are reducing your tax rate while the Roth contributions are 'use it or lose it'. Once the car loans are paid off you should be in much better shape as far as cash flow goes. Once daycare is over you will really be in good shape. I would try to ride it out...
by tyrion
Tue Jun 27, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 10427

Re: Middle age job blues

This hits pretty close to home. I'm a 45 year old IT professional with job security concerns and not-great prospects outside of my current employer. I have a lot of valuable institutional knowledge, am effective at my job, and I think I'm generally considered an asset to the company. I'm also the la...
by tyrion
Thu Jun 08, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Car loan for college student
Replies: 12
Views: 1327

Re: Car loan for college student

I would suggest letting your son do the legwork. It sounds like a good opportunity to get his feet wet in the world of world of credit and the world of car buying. You can set some guidelines if you're helping out with money (budget, car insurance costs, safety, etc) but let him take a crack at figu...
by tyrion
Thu Jun 01, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 4081

Re: Subaru to Prius?

I haven't chimed in yet and won't even offer a recommendation as there's not enough information. My own observations: Subarus have their own quirks and things that go wrong. Understand what they are and decide what you can live with. Subaru also offers factory extended warranties up to 7 years, 100...
by tyrion
Thu Jun 01, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 4081

Re: Subaru to Prius?

Those of you who recommend to keep the Subaru, what are you reasons? Is it because you have driven both and the OB is more comfortable or fun than the Prius? Or is it because of the monetary reason (it's not worth the hassle of selling and buying another car)? I admit I've never driven a Prius befo...
by tyrion
Thu Jun 01, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Drowning in debt
Replies: 52
Views: 5968

Re: Drowning in debt

As others have noted, it's really hard to give advice without the full financial picture. But assuming you are just feeling a little tight on cash flow, I would do the following: Change all taxable accounts to NOT invest dividends and use those to pay down the HELOC. Check what you can sell in your ...
by tyrion
Thu May 18, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 15607

Re: For those with $500k-$1m in investments...

Excluding the emergency fund, it's 7% taxable and 93% tax deferred. Mid 40s. We max out retirement accounts and add 200-300/month to a tax efficient stock fund in a taxable account. I think people with a large % in taxable will be in one of several camps: 1 Received inheritance/windfall (stock optio...
by tyrion
Wed Apr 19, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7986

Re: Tips on Uber

I usually tip a few bucks if I have it. Maybe $5 if it's late and I've had a few drinks. These are normally $15-$20 rides. They're providing a valuable service, I'm happy to give them a few extra bucks if I have it. I generally don't tip during surge pricing. I figure the driver is already getting a...
by tyrion
Wed Apr 12, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5546

Re: Car Breaks Down on Long Road Trip

This happened to us 2 summers ago on our way to Yosemite. Our fully laden SUV (with car top carrier and 4 bikes on the tow hitch rack) starting smoking about an hour out of town. We pulled off the freeway and determined that it was indeed our car. There was a Ford dealership nearby, so we took it ov...
by tyrion
Mon Apr 03, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 3545

Re: Verbal abuser at work

Jimmie wrote:I would be in an HR office immediately. Megacorps have procedures for handling these types of things. There are even mechanisms to protect "whistle blowers".
Well, maybe. Remember that HR works for the company and not you.
by tyrion
Wed Mar 22, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: What instrument to keep emergency fund in?
Replies: 16
Views: 1396

Re: What instrument to keep emergency fund in?

Tuba I stuff it with one dollar bills and it can hold a large number of them. Not to hard to remove them, as long as they aren't crammed in too deep. I considered a guitar, but it's hard to get the bills out after stuffing them inside the air chamber. A false bottom in a violin case or similar might...
by tyrion
Wed Mar 08, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise coworkers on 401k choices
Replies: 26
Views: 1944

Re: How to advise coworkers on 401k choices

I wouldn't advise co-workers (or friends) on what to do. But I would be willing to tell them what I do, at least in a general sense. I use the index funds because they're less expensive than the freedom funds. I consider all my assets when deciding where/how to invest, so I own bonds in my Roth IRA ...
by tyrion
Fri Mar 03, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 4850

Re: how often do you shrug at your IPS?

Drop under the emergency reserve level? Sure, I suppose. I guess it depends on the purchase. Skip fully funding Roth IRAs? Never. My IPS says the following (and I adhere to it whenever possible) • Always contribute the maximum to 401k, Roth x 2, SEP, ESA accounts. If unable to contribute max to all,...
by tyrion
Fri Feb 24, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at home wife 401k question
Replies: 13
Views: 952

Re: Stay at home wife 401k question

My wife has some 1099 income. We set up a SEP IRA at Vanguard a few years ago. It's limited to 25% of earnings after deductions, so it ends up being somewhat limited. But no (extra) cost, all Vanguard funds, etc. We use it for bonds. At your contribution levels I would think you have plenty of tax d...
by tyrion
Thu Feb 16, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 4593

Re: Anxiety about buying used car

As Meg mentioned, Carmax would be a good choice for you. They have a bunch of cars, fixed pricing, and a short warranty. It should be no/low pressure. You can sit in or test drive a bunch of different cars. You can look online before you go in. Honestly, in the 10-15k range and looking for a reliabl...
by tyrion
Fri Feb 03, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Selection
Replies: 12
Views: 1715

Re: Bond Fund Selection

My personal rule of thumb is "take risk on the equity side, not the bond side". In other words, rather than striving for a higher yield (which implies a higher risk) instead change your stock/bond ratio to a suitable level. I'd rather be 80/20 with high quality bonds than 75/25 with high yield bonds...
by tyrion
Fri Feb 03, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Selection
Replies: 12
Views: 1715

Re: Bond Fund Selection

Are you saying this fund is an option in one of your 401k accounts?
mybogledhead wrote: Vanguard Total Bond Market Index (VBTIX) with ER 0.05%
If so, by all means use it. I'm not sure why you would have any hesitation towards using it. Low expense ratio, broad bond exposure, etc.
by tyrion
Fri Feb 03, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 6039

Re: GF has long commute, should we buy a house to avoid long commute?

I was thrown off at the start by the 'current girlfriend' comment, which sounds pretty tenuous, but it does sound like it's a committed relationship. Yes, renting closer to her work makes a lot of sense. You could also buy a house yourself, and she could be your 'roommate' for now. That would mean y...
by tyrion
Wed Feb 01, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Spendthrift Daughter
Replies: 44
Views: 4644

Re: Spendthrift Daughter

Thank you for all the information but I need to add an additional item. I have three daughters, two are good with money. My plan is to leave the spendthrift portion to her children (my grandchildren) and the ex-husband. Read 'Beyond the Grave' by Jeffrey Condon. Then see a lawyer who specializes in...
by tyrion
Wed Jan 25, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Full time to part time.
Replies: 41
Views: 4031

Re: Full time to part time.

Spouse told me a few times that he wants to reduce to part time. He is working full time 40 hours a week and 85K income last year. There is a company that wants to hire him part time 20 hours a week for 43K a year with no benefits. I carry health insurance at my job. I make 50K a year working 3 day...
by tyrion
Wed Nov 30, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 12562

Re: Feeling like you've "made it"

Are you the sole bread winner? That can cause some anxiety, as you and your wife are now accustomed to a certain lifestyle and there is some fear that it could all go away if you lost your job. I spent about 15 years as the primary breadwinner, including a number of years supporting 2 small kids. No...
by tyrion
Wed Nov 16, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Energy Efficient Window Fan?
Replies: 20
Views: 2712

Re: Energy Efficient Window Fan?

I'm not sure I would worry too much about getting the most energy efficient window fan. Any of them will be much cheaper than running AC. Before I installed a whole house fan I had a 'window fan' in the room closest to the large shade tree. It had a thermostat on it which would automatically turn on...
by tyrion
Tue Nov 01, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 6013

Re: How do you make your Martini?

Definitely prefer a gin martini, although I'm not much good at making them. Thankfully I have a sister-in-law who excels.

But really the point of this post is to contribute this little bit of wisdom:

“One martini is all right. Two are too many, and three are not enough.”
― James Thurber
by tyrion
Tue Oct 25, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 28395

Re: Need help. Drowning in debt and worried about the future and retirement

I read my wife a lot of the posts I've gotten from everyone and she seemed receptive on a lot of it... She balked at doing anything with her car or her cell phone. She also made $59 from the consignment shop for some of her clothes and there is still a lot more to be sold. She agreed to limit her "...
by tyrion
Thu Oct 20, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Loan Not Being Repaid
Replies: 41
Views: 4489

Re: Loan Not Being Repaid

The debtor is pursuing his MBA and (I just found out) is interviewing for consulting positions. While I know nothing about this.... I'm sure consulting firms will conduct background checks, and will not look too favorably on him if he is being sued or has credit issues. I would think in your positi...
by tyrion
Fri Oct 07, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 3713

Re: Laptop ideas

I recommend an SSD (solid state drive) if you can swing it. I work in IT, supporting a user base of about 300 people. A bunch of laptop issues disappeared after we went to 100% SSDs - performance drag as the hard drive degraded, certain OS errors, lost/damaged files, etc. They draw less power (longe...
by tyrion
Thu Sep 15, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 3446

Re: Account for Toddler

The best answer is probably all of the above. We have the following 'kid' accounts for our 9 and 11 year olds: UTMA account at Vanguard - Originally funded with a stock gift from a friend. This is intended as a college fund, and if anything is left it can be a head start on a house down payment. 529...