Search found 1144 matches

by tyrion
Wed Dec 12, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Up Accounts For Minors
Replies: 16
Views: 672

Re: Setting Up Accounts For Minors

I have this same problem, so please do let us know if you come up with a good solution. My kids have savings accounts at a local credit union. Interest paid is terrible .10% It didn't matter so much when all interest rates were low, but now that 2% is easily achievable it doesn't make a ton of sense...
by tyrion
Wed Nov 28, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6206

Re: Broken Sewer pipe - $10,000 to fix

UPDATE Yesterday I had the contractor who initially quoted 10k come back with a plumber - he said the job would be between 18-21k. I don't think this guy has any idea what he's talking about when it comes to sewers or he's trying to take me for a ride. He proposed we start the work without snaking/...
by tyrion
Wed Nov 28, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4157

Re: Calling all 50-60 year old homeowners with kids/families

I'm the kid in this example, not the parent... My step dad ALWAYS tells me that he regrets not doing the downstairs windows when we kids were in the house. They certainly had the money at the time, and did a few other upgrades over a period of a few years (deck, opened up a wall, put in a garage ins...
by tyrion
Tue Nov 27, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I go back to my 6 figure job?
Replies: 20
Views: 2392

Re: Should I go back to my 6 figure job?

Could you pick up the occasional Saturday shift at the former job? Preferably at a higher 'contractor rate' since they don't need to provide any benefits?
by tyrion
Fri Nov 16, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5175

Re: Incompetent home inspector - what to do?

What has your realtor said about all of this? It sounds like they were able to get their hands on the inspection report, although in my area both realtors receive the report so it may not indicate any actual work on their part. At a minimum your realtor should be talking to the other realtor and pro...
by tyrion
Fri Nov 16, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5175

Re: Incompetent home inspector - what to do?

I would second the idea of getting a pre-inspection done. You could provide this to any potential buyers. Of course you would want to remedy any significant issues first. Some of this could also be first time buyer jitters. The list of things a home inspector can flag can be a little overwhelming. W...
by tyrion
Fri Nov 16, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2349

Re: Employment for a disabled son

With disability benefits and your asset level, I would worry less about finding him a paying job and more about finding something he enjoys doing that can provide meaning to his life. If he likes planting seedlings, great.
by tyrion
Fri Nov 16, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3635

Re: Home sale etiquette: wall repair

A story: In our immediately previous home, we fought quite a bit back and forth over some repairs that I felt didn't need to be completed but the buyers were quite insistent on having done. They insisted in a new left master bedroom door in a specific style that was no longer available and resisted...
by tyrion
Tue Nov 13, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3235

Re: Any space heaters that automatically maintain a temperature in a room!

Get an electric blanket. One month I used an electric space heater to heat my home office during the day, thinking, "Why heat the whole house when I just sit in here all day and work?" Electric bill was $200 more than normal that month. In San Diego. That's impossible, unless you left it on high fo...
by tyrion
Wed Nov 07, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5467

Re: New job concerns

You mentioned your manager alluded to you starting to work later. During the meeting, I would let her bring it up first. To prepare, make a list of things you can do on the train or at home. Then be willing to negotiate in good faith. Maybe there are 1-3 days you could stay and take a later train. M...
by tyrion
Tue Nov 06, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

Thanks. I am interested in the below. 1. Pre-Owned Four Door SUV 2. Most reliable, lowest anticipated maintenance costs for 5 years 3. Based on #2, would love to hear recommendations on brands and mileage, year which would best accomplish #2. Concerning my Pathfinder comment, my last two cars have ...
by tyrion
Tue Nov 06, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12889

Re: Are we in trouble?

I think OP has not painted a very complete picture because midway through the thread a 3rd property (paid off) that they plan to retire to appeared.. Yes, the sudden appearance of a third, paid-off house in an unnamed location changes everything. OP, what other big curve balls do you have for us? M...
by tyrion
Thu Nov 01, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4744

Re: Think I have found my new commuter car - 2019 Honda Insight

As a current Prius owner (2007 - getting a bit long in the tooth but still runs fine) I'm also intrigued by the Insight. It seems to improve on just about everything on the Prius (performance, comfort, rear seat room, tech, styling) without sacrificing fuel economy. The Civic SI looks a lot more fun...
by tyrion
Wed Oct 31, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2703

Re: Luxury Sedans for around $25k used with lower miles? AWD?

I’ve lived in the CO front range for almost 20 years. Wouldn’t think of driving anything but AWD. Also wouldn’t think of driving a sedan for the reason that if you need to get to items in the trunk for your safety for example, you may not want to exit the vehicle to do so. Colorado weather changes ...
by tyrion
Tue Oct 30, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4980

Re: Should I co-sign for relative?

Has he offered to give you half of the monthly savings?

You are taking on all the risk here, there might as well be some reward involved too. Although honestly, I wouldn't do it even if he gave me the full monthly savings.
by tyrion
Fri Oct 26, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 54
Views: 7111

Re: First time home buyer - gut check

I felt a lot of anxiety on my first home purchase. It's normal. You can 'what if' yourself into many sleepless nights, but you both have strong jobs and are presumably employable should something happen to your specific jobs. Make sure you both have term life insurance. It should be really cheap at ...
by tyrion
Mon Oct 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Buy, Sell, or Hold - Car Dilemma
Replies: 7
Views: 557

Re: Buy, Sell, or Hold - Car Dilemma

Sell the Buick. It sucks that you just put some money into fixing it up, but that's life. The Odyssey will be a good car as the kids get older. Better for bringing a buddy or two. Better for carpooling. Easier to load/unload at school. You will have 2 cars that can support taking your family anywher...
by tyrion
Wed Oct 17, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1392

Re: Would you ever buy a lottery ticket?

I buy them from time to time. Although to be honest I think you'd be a lot better off winning one of the smaller jackpots where your name isn't broadcast throughout the country (my state doesn't allow anonymous lottery claims). I could live just as well on $50 million as I could on $500 million.
by tyrion
Wed Oct 17, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5543

Re: Maserati Experiences

This should help: (it’s a great read) https://www.craigslist.org/about/best/esh/6324690044.html?lang=en&cc=us Though it does eventually get a happy ending. This was a great read, thanks! My experience with Maseratis is limited to an occasional spotting in the wild. They seem more prevalent in Carme...
by tyrion
Wed Oct 17, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10957

Re: Should we move to San Diego from east coast?

The car-oriented Southern California lifestyle is not to everyone’s taste. An interest in that lifestyle should be established before worrying about cost of living. The places I've been seem very car oriented too. I asked this upthread but didn't get any responses: What places in SD are as bike-abl...
by tyrion
Mon Oct 15, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10957

Re: Should we move to San Diego from east coast?

ok, so looks like majority of you say to move, now I need a couple of more pieces of information. We are in banking industry and in the learning and development space, I am thinking there will be jobs in this field in SD as well,in the tech, biotech sector. We really don't want the summer heat of 9...
by tyrion
Mon Oct 15, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3471

Re: Boglehead's Car Talk

You can always buy fun/interesting cars within a given budget. I drive a Prius, which is pretty much all the way on the practical side of the practical-fun continuum. My next car will likely be on the other side, but still reasonable. Mazda3 or Civic SI or VW GTI. The other thing you can do with a f...
by tyrion
Tue Oct 09, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21694

Re: Talk me out of buying a Tesla Model 3

I would personally prioritize something like this: 8k Mountain bike of my dreams. Yeti SB5.5C or Evil Following/Wreckoning. 25-30k Fun sedan/hatchback. Stick GTI or Civic SI or ? Something with a good suspension and a manual transmission. Fun to drive on winding roads. Keep the 4 Runner I tend to b...
by tyrion
Tue Oct 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21694

Re: Talk me out of buying a Tesla Model 3

OP, You have mentioned mountain bikes a few times. Do you already have the mountain bike of your dreams? I think you can afford the 75k car, but it's not something you can repeat very often. Once you have the Tesla, will you be satisfied? I would personally prioritize something like this: 8k Mountai...
by tyrion
Mon Oct 08, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21694

Re: Talk me out of buying a Tesla Model 3

Went to a wedding recently. The bride's parents had just bought a new Tesla Mod 3. Her extended family was all over the dance floor, draining the kegs, having a good time. The groom's parents (related to us) had just bought a 4-year old Prius with low miles. His extended family, much smaller, were ...
by tyrion
Tue Oct 02, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2308

Re: Adult kids getting help from parents

Just outside of your age range (46 now) I've received quite a bit of support. Tuition paid for in college. Help with a house down payment. My Mom reimburses airfare when we fly up to visit. My parents have more than they need, and spending more on what they consider frivolous stuff does not appeal t...
by tyrion
Tue Sep 25, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Out of warranty repair for a Braun toothbrush?
Replies: 17
Views: 668

Re: Out of warranty repair for a Braun toothbrush?

My good man, buy thyself a new toothbrush. Surely you deserve it!
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: 3773

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: 4944

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: 1815

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: 943

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: 1113

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: 26
Views: 5576

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: 8809

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: 1588

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: 407

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: 407

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: 5095

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: 3121

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: 1362

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: 6260

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: 2249

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: 1101

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: 2479

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: 121
Views: 9914

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: 60
Views: 3869

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: 2378

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: 2378

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: 7875

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: 2273

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'...