Search found 1198 matches

by tyrion
Tue Aug 27, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7352

Re: Can I afford a $30k car purchase?

Yes, you can afford it. Assuming you have managed to save that much on your own and your monthly budget has a surplus.

I would argue that the time to avoid lifestyle creep was before you leased the BMW, but again... you can afford it.
by tyrion
Mon Aug 19, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Hiking in the PNW (Seattle) next weekend. What do I need?
Replies: 29
Views: 1576

Re: Hiking in the PNW (Seattle) next weekend. What do I need?

I grew up hiking the PNW with the boy scouts. Better overprepared than underprepared. For sure good footwear, a light windproof/waterproof jacket, extra snacks, plenty of water. I carry a lightweight emergency kit on any hiking/biking adventures that has a space blanket, matches, water purification ...
by tyrion
Mon Aug 19, 2019 3:29 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13097

Re: When Did You Ease Up On Saving Aggressively?

When children can no longer see how I spend money, ie when they are in college or whatever kids will do after highschool 17 years from now This is an interesting answer. We have kids who are a young teen and a preteen. We recently 'eased up' on retirement savings after paying off the mortgage. Or m...
by tyrion
Mon Aug 12, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life should we get?
Replies: 5
Views: 436

Re: How much term life should we get?

Term insurance is pretty cheap. And you don't need to be exact. Some stuff would be more expensive (health care?). Some stuff would be cheaper (eating out, vacations?). Some stuff will change dramatically over time (child care). There would also be some survivor benefits. Salary isn't a great metric...
by tyrion
Fri Aug 02, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10586

Re: Insane to buy a sports car?

Do you have safe parking for it in your rental? That would be my concern. Parking a brand new sports car on the street or in a group parking garage might not be ideal.
by tyrion
Fri Aug 02, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: luxury vehicle: what income/asset range
Replies: 75
Views: 4592

Re: luxury vehicle: what income/asset range

Never. I love cars, but understand they are a waste of money. I feel the same way, but it makes me a little sad. If you are really into cars and buy used they do not have to be costly - YMMV This is what I do. Acquisition cost is pretty low. Registration cost is low (based on price of used vehicle)...
by tyrion
Mon Jul 22, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8208

Re: When family members fight over the check when out to eat

All of these experiences provide data points. If' I'm out with a group and people underpay or don't offer to pay or dodge the check..... well, I likely won't be going out with them again. If it's family and things are awkward, I will have a plan. With my MIL when we go out to eat she pays half. We h...
by tyrion
Tue Jul 09, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1307

Re: buying a suv we dont really need

Why does your wife want the SUV? Is she helping a friend by buying it? Would the SUV be a suitable replacement for one of your existing vehicles? Broken Man 1999 she wants it so we can drive 8 passenger vehicle so we take along additional guests with our family of 5 on trips and to pick up bulky it...
by tyrion
Mon Jul 08, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3424

Re: Best Practices for longer-term house guests?

Do people show up unannounced at your house? Are they friends or family? If we wanted to set some expectations we would do it when we agreed to let them stay with us. For the most part our house guests help with meals and clean up and sometimes buy groceries. Often they will offer to pay if we all g...
by tyrion
Wed Jun 19, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5729

Re: Single cup coffee/espresso options, 2019

Buy an aeropress. $30. That's like 6 Starbucks Lattes. Buy some better coffee. Experiment. Pick up a bag at Starbucks if you like their stuff. I can't believe you think fresh ground beans aren't going to be substantially better than a 3 month old can of Folgers. If you still think the Folgers is jus...
by tyrion
Wed Jun 19, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5729

Re: Single cup coffee/espresso options, 2019

I have a Nespresso original (Nespresso brand pods, but generics are available) and an Aeropress (local market bulk beans, ground at the store). Both are surprisingly good and easy to use. I put a splash of cream in both. I prefer the Nespresso for ease of use and variety of pods. I prefer the Aeropr...
by tyrion
Tue Jun 18, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7024

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Having lived in the Pacific Northwest and SoCal (San Diego), I would pick Vancouver. It's kind of the middle ground for you. Near some family, on the west coast, presumably affordable. But I would have an honest talk with your wife first. How much is she willing to give up to go back to Orange Count...
by tyrion
Mon Jun 17, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4142

Re: Should we retire in 4 years?

Are you sure you can't hire/train someone to take over the manual labor tasks while you and your wife concentrate on the business side of things?
by tyrion
Mon Jun 17, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4142

Re: Should we retire in 4 years?

I would try to figure out how you can transition the work to someone else, either an assistant or someone who might buy the business from you. What you dislike about your work (physical nature of it, slow winters) may appeal to someone else. As someone who sits in front of a computer for much of the...
by tyrion
Sat Jun 01, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2234

Re: Autos and transportation near retirement

Here's what I would want if I could set it up from scratch: 1- Nice/efficient sedan. For most driving needs. 2- Useful/larger vehicle. SUV or truck. Depends on what 'useful' means to you. For my family, it's a 3 row SUV. A 4 door truck would do the trick as well. Must be 4wd for us, to get to the mo...
by tyrion
Thu May 30, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 41
Views: 3655

Re: Splitting fence cost with neighbor

What do you mean 'in the mood to spend money'.

I thought your homeowner docs established that the fence is the responsibility of both owners to maintain?

Get a quote to fix it. See if he wants to get one as well. Then talk options (fixing yourselves)
by tyrion
Thu May 30, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 41
Views: 3655

Re: Splitting fence cost with neighbor

Let's see. I had a few fence 'deals' at my last house. 1- Neighbor who we shared about 6' of fence with had a handyman out to repair some of the slats - kept existing posts. We offered to pay half, he declined. 2. Neighbor who we shared most of the back fence (60ish feet) with took down the fence wi...
by tyrion
Wed May 29, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1994

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

This wasn't listed, but Ryobi has a ton of tools in their 18V system. Certainly good enough for the casual homeowner. Off the top of my head I've bought the following over the last 2 years, along with 4 batteries to run it all (variety of battery sizes) 2 Drills Driver Sawzall Circular saw Angle gri...
by tyrion
Wed May 29, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Best Pool Vacuum for the $$
Replies: 12
Views: 869

Re: Best Pool Vacuum for the $$

For a similar situation (concrete pool, leaves and acorns) I went with a robot after reading troublefreepools. I have a Dolphin Nautilus Cleverclean and love it. If you want to comparison shop robots this is a super useful link. It lets you figure out what equivalent models are since there are so ma...
by tyrion
Wed May 29, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15530

Re: Can we afford to pay for our kid's college (at all)?

OP, Try to look at it from your kids perspective. If I grew up in a 'dream house' with a well paid physician for a parent, and we took international trips, and we had nice cars...... well, I would think my family could afford to send me to a state school for college. I might think I would need to pi...
by tyrion
Tue May 28, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Used Miata as a daily driver, terrible idea?
Replies: 44
Views: 2443

Re: Used Miata as a daily driver, terrible idea?

I have a 2 seat convertible. Not a Miata, and not a stick shift, but still a 2 seat convertible. My other car is an old Prius, and my wife drives an SUV. If it's nice out, I prefer to drive the convertible. In the rain/cold/traffic, I'd rather be in the Prius. Which is probably what you would expect...
by tyrion
Sun May 26, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: AC maintenance
Replies: 8
Views: 920

Re: AC maintenance

Good points all. Thanks. I guess we'll hose off the coils, try to run it every few months, and not sweat it too much.
by tyrion
Sun May 26, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: AC maintenance
Replies: 8
Views: 920

AC maintenance

Hi all, I live in soutern California. We have AC but only use it a few days a year. We've been in our house for about 2 years. We have central AC. Compressor outside looks to be in good shape. What kind of annual maintenance is required/suggested? Given the low use I'm inclined to do nothing, but I ...
by tyrion
Sun May 26, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade 2nd car in 1.5 car household?
Replies: 22
Views: 1736

Re: Worth it to upgrade 2nd car in 1.5 car household?

My guess is you will miss the manual transmission. We switched to automatic after having kids but we kind of miss the stick shift experience.


I would drive the Scion for commuting and put the kid in the Forrester. Figure the rest out down the road.
by tyrion
Sun May 26, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2719

Re: Port Townsend-Pacific Northwest

My parents live in Port Townsend. When I visit them and go out to any sort of event - concert on the dock for example - I'm the youngest person there. I'm 47. Everyone else is over 60 unless you count the handful of grandchildren who are under 10. It's a nice place. Nice pace of life. As someone men...
by tyrion
Mon May 20, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1892

Re: Chiminea, fire pit or nothing?

We have a wood fire pit in our back yard. We've used it once in 2 years. In our last house we had a 'portable' propane one that we left connected in the front yard with the propane tank hidden under a side table. It was also surrounded with bricks so it looked somewhat built-in. That one we used at ...
by tyrion
Mon May 13, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6772

Re: Car lost acceleration

It sure seems you have something against car mechanics, or the need (process?) to maintain your vehicles. I get it. People get taken advantage of, and it's always hard to know if it's happening to you. And in general it's a hassle and not everyone enjoys wrenching on a car. Given that this is someth...
by tyrion
Wed Apr 24, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Should I Sell Car to My Boss?
Replies: 25
Views: 2093

Re: Should I Sell Car to My Boss?

But you're not really selling a car to your boss. You're connecting him with your brother who's selling a car. Big difference.

At most I would pass along your brother's phone number and then stay out of it.
by tyrion
Tue Apr 23, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Urban Myth on Electronic Car Break-ins?
Replies: 17
Views: 1242

Re: Urban Myth on Electronic Car Break-ins?

It's also not complicated hacking. There are two devices. One is held near the front door, the other near the car door. The person near the car door touches the handle to trigger the car to see if a key is present. The device amplifies the signal and transmits it to the device held by the front door...
by tyrion
Tue Apr 23, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Urban Myth on Electronic Car Break-ins?
Replies: 17
Views: 1242

Re: Urban Myth on Electronic Car Break-ins?

I don't think it's an urban myth. There are enough reputable sources indicating it's an issue, plus there is video of a few incidents. We have one car that's not parked in the garage. The backup key is wrapped in aluminum foil, and the main key is stored in a silver lined pouch. I've tested both fro...
by tyrion
Tue Apr 23, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 4077

Re: Getting Spouse On Board With Saving

I think you want to 'sell' a vision to your spouse. Because if you two are pulling in opposite directions it's never going to work. He/she will always view you as the one trying to prevent them from enjoying the things they want to enjoy. Try instead looking to the future where you've paid off stude...
by tyrion
Tue Apr 16, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1594

Re: Savings account for child?

I appreciate the input thus far. To clarify a bit, here are some of my thoughts on B&M options: 1) I don't know the last time I personally stepped into a B&M branch. Virtually all of my banking needs are served with online or app-based transactions. 2) My crystal ball suggests that any in-person B&...
by tyrion
Tue Apr 16, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1594

Re: Savings account for child?

My kids are a little older (pre-teens) but we did both.

First we opened kids savings accounts at the local credit union. So they got to experience going in, depositing checks, seeing their balance slowly rise.

Then we set up UGMA accounts at Ally. Now most of the money is there earning 2.2%
by tyrion
Mon Apr 15, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: venting/air flow large master bath with high ceilings
Replies: 4
Views: 412

Re: venting/air flow large master bath with high ceilings

They make wall mounted exhaust fans that duct to the outside. You would need to have electrical run to it. Maybe it could be placed near existing outlets. Or you could replace the toilet closet exhaust fan with something a little more powerful and put it on a timer. That and the ceiling fan circulat...
by tyrion
Mon Apr 15, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 15149

Re: In Laws Retirement Nest Egg

- They are 62 years old. MIL has never worked, FIL just retired (much to my surprise) - They have about $700k in Retirement savings, most of which is invested. - Adding in their home equity, their full net worth is aprx. $1M (or slightly less). - Due to health conditions, they are not eligible for ...
by tyrion
Fri Apr 12, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 13500

Re: Can I semi-retire now?

We are not all that different. Same age. My wife is also a teacher - has worked the last 5 years after kids went back to school. Live in an expensive city. Expenses about the same - my spreadsheets indicate about 70k/year including property taxes. We have less taxable saved but pretty close overall,...
by tyrion
Wed Apr 10, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1083

Re: Bose QC25 or QC35

All the wireless headsets I looked at included a cord for using the in-flight entertainment systems. Read some CNET reviews. Sony has a model that rivals the Bose now. WH-1000XM3. I went with a cheaper Sony option that has supposedly inferior noise cancelling (but still ANC), but it was $100 compare...
by tyrion
Wed Apr 10, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2427

Re: Remote control solution for my parents.

You can usually program the cable remote to control the other necessary functions. Our cable remote turns on the TV and soundbar at the same time as the cable box. In truth the cable box is always on, to record stuff. And then the sound bar volume is controlled by the cable remote as well. We have t...
by tyrion
Tue Apr 09, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Would you do this renovation?
Replies: 23
Views: 1435

Re: Would you do this renovation?

I would just do the bathroom as is. New fixtures, surfaces, fans, etc. Then the roof when it needs it and the AC when it fails. Most of what you're doing (expanding kids bathroom, shrinking storage room, switching stairs to ladder to add back storage) isn't really all that beneficial in the long run...
by tyrion
Mon Apr 01, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Installing Hitch on my Subaru Outback
Replies: 51
Views: 2776

Re: Installing Hitch on my Subaru Outback

I've installed 2 Etrailer hitches for the same purpose - bike hitch rack. It's not hard. You can watch the install video so you understand exactly what needs to be done. In one I had to cut some plastic pieces, the other was basically bolt it on.
by tyrion
Thu Mar 28, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 4867

Re: 11-year old with iPhone - advice on how best to manage?

We just got our 14 year old his first phone. Yes, he was the last person in his class to have one. Tough luck. We made him research phones and then pay for it himself (birthday money) as well as the monthly fees. So he found a new but not top-of-the line unlocked phone for about $150. And he found a...
by tyrion
Wed Mar 27, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 20487

Re: Bogleheads with $100K+ MSRP cars?

I recently inherited a late 90s Mercedes SL500 with 40k miles. With the sport package and Xenon headlights it was probably just a tad over 100k new. Value is probably closer to 15-20k with low miles and in good condition. Still a really fun car to drive. I'm looking forward to convertible weather he...
by tyrion
Tue Mar 19, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 4374

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

Those are all light hiking shoes. A perfectly reasonable choice. I personally would look at some 'approach' shoes, which in theory are used by rock climbers to hike to the point they begin to really climb. So they're light and tend to have stickier soles which are great for scrambling around on rock...
by tyrion
Thu Mar 07, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7915

Re: attacked by off-leash dog

There was a woman in my old neighborhood who carried a baseball bat in her pre-dawn walks. Seemed reasonable to me. I would carry pepper spray if I had any doubts. Better yet, get the bear spray version to have enough for the dog and the owner, just in case. Better safe than sorry, and it's a non-le...
by tyrion
Thu Feb 21, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5988

Re: Aging Parents & Finances

I have 2 other siblings and spouses that are very concerned for their wellbeing. Though they are becoming more vocal to me about them feeling they need to sell their house and move all their assets to us in the event they end up in a nursing home. I for one don't think that's going to be received v...
by tyrion
Thu Feb 07, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5457

Re: Mazda Miata as Daily Commute Fun Car?

Obviously a very different car. Much more of a "cruiser", and would be fine for most commutes. The considerations I would have would be: 1. Visibility. Lots of convertibles have limited visibility to the rear sides areas, and this can be a nuisance in commute traffic with more lane changes per mile...
by tyrion
Thu Feb 07, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5457

Re: Mazda Miata as Daily Commute Fun Car?

Piggybacking on this topic as I think I have a relevant question- To those of you who don't think it would be a good commuter car, what part of the Miata is the biggest drawback? -Convertible (noise concerns, not a lot of space) -Manual transmission (hassle driving in traffic) -Size/weight (safety c...
by tyrion
Tue Feb 05, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 9393

Re: Chase credit card dispute - denied

Do you have an access badge at work? My company logs all the badge swipes, which would be pretty compelling evidence that you were at work and not renting a car across the country.
by tyrion
Mon Feb 04, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 43
Views: 3335

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

Not firsthand experience here, but my 70+ Mom is involved in several groups that do trips as well as local stuff. One is a hiking group that does local trips a couple of times a month in the Pacific Northwest, and at least yearly international trips. The other is a kayaking group that does a lot of ...
by tyrion
Thu Jan 24, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Negotiating a part-time schedule for a career that is typically full-time?
Replies: 22
Views: 890

Re: Negotiating a part-time schedule for a career that is typically full-time?

I may try it at my work. I do 'hands-on' IT as the bulk of my work, with remote support the remaining portion. If I could drop the remote stuff and go down to 32 hours it would be a nice fit. I think I could work for many more years at that pace. But I'm hesitant to ask, as it could backfire and I'm...