Search found 1103 matches

by tyrion
Fri Jul 13, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2019

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: 950

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: 2285

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: 81
Views: 4568

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: 2664

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: 2085

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: 2085

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: 6946

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: 2064

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: 2295

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: 1614

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: 4994

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: 2362

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: 99
Views: 12684

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: 2362

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: 1598

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: 1394

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: 1394

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: 1394

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: 1394

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: 1394

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: 1394

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: 1394

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: 1394

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: 2991

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: 3043

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: 2724

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: 2410

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: 1537

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: 5398

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: 10866

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: 3789

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: 987

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: 7095

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: 1661

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: 1312

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: 1122

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: 4861

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: 4861

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: 5819

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: 3856

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: 1961

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: 1961

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: 1961

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: 1961

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: 1961

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: 589

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: 1517

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: 2356

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: 655

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...