Search found 1256 matches

by tyrion
Fri Sep 18, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 32
Views: 2379

Re: Elder abuse? Elderly woman sold home for far less than market value

I find it odd that so many people are coming up with scenarios to validate this transaction. Sure, it could be legitimate. But what's the harm in alerting authorities if you think something fishy is going on? If there's a good reason why grandma sold the house for way less than market value then the...
by tyrion
Fri Sep 18, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I help my mother pay off debt?
Replies: 31
Views: 1786

Re: Should I help my mother pay off debt?

Your wife’s opinion will matter here more than anything, especially since I presume the inheritance was from her side. Maybe you can convince your mother to let you pay off $30K plus whatever interest that portion has accrued; keeps this equal between siblings at $10K each which could help her prid...
by tyrion
Thu Sep 17, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Cost of Propane Air Conditioning on House
Replies: 12
Views: 824

Re: Cost of Propane Air Conditioning on House

You didn't ask this, but in SCE territory and at that elevation I would look into Tesla Powerwalls if you go the solar route. At that elevation you are likely rural and at risk of electrical shutdown to prevent potential wildfires. I believe SCE still has SGIP funds available, along with the 26% fed...
by tyrion
Wed Sep 16, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12380

Re: Is this guy trying to scam me on a car I'm selling?

To keep things straight lets call the original scammer, scammer #1. Now I have scammer #2 as my conversation with him follows. Note that he is ok with cash now. His replies in italics. Thank you for the photos and information. I have a budget of $12,000 but I really like the car and am willing to g...
by tyrion
Wed Sep 16, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12380

Re: Is this guy trying to scam me on a car I'm selling?

To keep things straight lets call the original scammer, scammer #1. Now I have scammer #2 as my conversation with him follows. Note that he is ok with cash now. His replies in italics. Thank you for the photos and information. I have a budget of $12,000 but I really like the car and am willing to g...
by tyrion
Mon Sep 07, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3344

Re: Need some advice for buying my first flat screen TV.

If you're a Costco member I would go check out what they have. The pricing will be competitive, they usually have a 'TV person' wandering around the electronics area who knows the features and brands, and the return policy is excellent.
by tyrion
Fri Aug 28, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 6513

Re: Any car enthusiasts? (or soon to be)

I'm contemplating a 95 Mercedes E320 convertible. Anyone have idea on what it is going to take to keep that running? Or a 60's mustang. That I know I can work on. I have a 98 SL500 convertible that I inherited a bit more than a year ago. Hasn't had any problems other than the headliner needing to b...
by tyrion
Tue Aug 25, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Finding balance in life: When do you let up off the gas?
Replies: 105
Views: 9584

Re: Finding balance in life: When do you let up off the gas?

Look up the concept of consumption smoothing. At your current trajectory you are going to save a bunch on money and then..... what? You will feel bad spending it. Rather than enjoying (and obsessing over) your savings rate and converting everything to a monetary metric you need to try to find some m...
by tyrion
Tue Aug 25, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Solar Panels - Questions About Older Roof
Replies: 11
Views: 1147

Re: Solar Panels - Questions About Older Roof

I have a similar roof - probably 20-25 years old (we bought the house a few years ago) but never any leaks and it's great for shedding heat. The house stays cool with AC most of the time, even in 90 degree weather. Then we run a whole house fan at night. Above 90 we run the AC in the afternoons. It'...
by tyrion
Mon Aug 24, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 1 Year Later (Updated)
Replies: 80
Views: 13304

Re: Solar Installation - 1 Year Later (Updated)

OP how long did installation take, from contract signing to install completion? I’m trying to assess how much lead time I need to budget for. Thanks! I'm going through the process now. 4 weeks in. I was told to realistically expect 3 months. Demand is high due to 26% rebate decreasing to 22% at the...
by tyrion
Sun Aug 23, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 33
Views: 4099

Re: Free powerwall worth it?

I'm in the process of getting 2 Powerwalls installed along with a similar (6.5KW) solar setup. SDG&E territory. There is a significant SGIP rebate from the state, but it is not guaranteed and definitely does not cover the full cost. If purchased along with solar the powerwalls are eligible for the 2...
by tyrion
Wed Aug 19, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8261

Re: A primer on backup battery systems for power outages

This was a very interesting read, thanks for putting it together Will. I'm reminded of 10ish years back when I was considering building an electric bike. The parts were all there - motors, batteries, controllers, etc - but it required quite a bit of knowledge to do it yourself. You had to buy the ri...
by tyrion
Tue Aug 18, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Discount vs. full-price realtor
Replies: 126
Views: 5667

Re: Discount vs. full-price realtor

I'll admit I didn't read all the replies (and I normally do) but here's my story in case it's any value. We bought a house 3 years ago using a Redfin agent. We met the agent at our first showing, then she explained that associates would accompany us to future showings and the house inspection if we ...
by tyrion
Thu Aug 13, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15714

Re: Should I purchase a whole house generator?

What's your aversion to using gasoline? Some generators, especially the Honda inverter generators, can have an after market external fuel tank added to them that will enable it to run for over 24 hours easily without refueling. And contrary to what many believe, gasoline can be stored very safely f...
by tyrion
Fri Aug 07, 2020 12:45 pm
Forum: Personal Investments
Topic: $1MM by 40 - Realistic?
Replies: 22
Views: 3394

Re: $1MM by 40 - Realistic?

If you fall a bit short I have a suggestion - just include your home equity. That'll push you over the finish line!

There are lots of threads about whether or not to include your home equity in your net worth, so go enjoy those.
by tyrion
Thu Aug 06, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1832

Re: My gym is reopening - are you going back to yours?

I belong to a rock climbing gym that I miss quite a bit. There are a few unique things about rock climbing gyms. For one, the tall ceilings mean a lot of air volume. And good air circulation and cleansing to keep the chalk dust out of the air. But unfortunately all the climbing holds means it's impo...
by tyrion
Mon Aug 03, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my mother financially (CCs and housing)
Replies: 21
Views: 2080

Re: Helping my mother financially (CCs and housing)

What would her finances look like without the credit card debt? You mentioned she is currently adding to the credit card debt to pay for gas and groceries. If she had a fresh start could she afford gas and groceries? On a new credit card or a debit card. Without knowing any family dynamics your plan...
by tyrion
Mon Aug 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Cooling HVAC options for loft/attic room
Replies: 22
Views: 1641

Re: Cooling HVAC options for loft/attic room

If your loft space is open to below you are probably best off with a solution to mix the air rather than just trying to cool the loft. Ceiling fan above the open section would be idea. A cheap solution would be one of the Vornado-type fans that could sit on the lower level and blow air up to circula...
by tyrion
Sat Aug 01, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9635

Re: Unmotivated daughter and son in law.

Ex is proposing that we go in on buying them an apartment and renting it to them for the price of the maintenance while we would pay the mortgage. There would terms and conditions about upkeep (daughter is something of a hoader). Ex is concerned about Granddaughter being in a decent school district...
by tyrion
Fri Jul 31, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: infrared or Propane patio heaters
Replies: 11
Views: 518

Re: infrared or Propane patio heaters

I would imagine a lot of it depends on your specifics. How much does electricity cost? For me it's 35 cents / KWH so I'm not interested in heating the outside air with electricity. Do you have an outlet already installed that can accommodate it? Both propane models are very common in Southern Califo...
by tyrion
Thu Jul 30, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Chest Freezers
Replies: 14
Views: 1336

Re: Chest Freezers

Try AJ Madison. They have some in stock.

https://www.ajmadison.com/b.php/Chest%3 ... 4294964271

No affiliation with the company, but I did buy some kitchen appliances a few years ago for a remodel and they had reasonable prices.
by tyrion
Mon Jul 27, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell our second 2009 Hyundai car?
Replies: 4
Views: 325

Re: Should I sell our second 2009 Hyundai car?

What happens in 3-18 months, when the pandemic is over (hopefully) and you return to work in the office? Will your wife need a second car to take the baby to appointments, play dates, and the store? Or do you think you are going to be permanently WFH? I would be hesitant to sell a car for very littl...
by tyrion
Thu Jul 23, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 2935

Re: Private Party Sale of Car in California

Title transfer is easy. Just sign over the 'pink slip'. Then complete the CA release of liability form (link below). That way you won't be responsible for any tickets/accidents that the new owner might incur. Call your insurer to delete the car from your policy. The new owner is responsible for re-...
by tyrion
Mon Jul 20, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: 70+ year-old, want to rent car?
Replies: 10
Views: 841

Re: 70+ year-old, want to rent car?

I've never heard of a 70 year age limit, but if I was worried about it I would reserve ahead of time and then call and talk to someone.

If you're a Costco member their rental car rates are really good - they compare several of the major brands and usually offer a discount on top of that.
by tyrion
Mon Jul 13, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: [relocating] How to assess car break in rate?
Replies: 15
Views: 893

Re: [relocating] How to assess car break in rate?

This seems like a really odd factor in how to choose an apartment. It would be well behind other criteria like price, amenities, view, neighbors, nearby grocery stores, etc. Instead of stressing about it, why not insure your car and then make it harder to steal than the other civics? Buy a club and ...
by tyrion
Sat Jul 11, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 33
Views: 2201

Re: Remodel or move?

We moved rather than remodeling, but it sounds like you really like your neighborhood. Have you considered trying to reorganize/reshuffle what you have? We had small rooms in our last house and it seemed like all the major furniture places designed bulging furniture for large rooms. Once we figured ...
by tyrion
Fri Jul 10, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Food and health
Replies: 21
Views: 1509

Re: Food and health

Should you go without health insurance during a global pandemic? No.

Trim elsewhere.
Check out ACA subsidies maybe?

Definitely continue healthy eating and exercise.
by tyrion
Thu Jul 09, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance - The Boglehead Way
Replies: 25
Views: 1433

Re: Pool Maintenance - The Boglehead Way

Pool Maintenance - The Boglehead Way I would have thought the Boglehead way was to worry about investing your money efficiently and let someone else whose expertise is pool care worry about the pool. Not sure when being a Boglehead turned into being thrifty. Here's how I think of it (and I'm probab...
by tyrion
Thu Jul 09, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance - The Boglehead Way
Replies: 25
Views: 1433

Re: Pool Maintenance - The Boglehead Way

I didn't have any type of automated pool cleaner, I bought a Dolphin Active 20 for 700 and something dollars and that thing has been worth its weight in gold. We run it every Wed and sat. Troublefreepool had contact info on the Dolphin dealers to call for a good deal. My latest project was replacin...
by tyrion
Wed Jul 08, 2020 1:28 pm
Forum: Personal Investments
Topic: Possible 1/3 income cut
Replies: 40
Views: 4384

Re: Possible 1/3 income cut

Keep the mortgage as long and large as possible. Make up for your lost income with lower expenses or lower savings. Flexibility and liquidity are what you need to optimize for right now. I agree with this. Presumably you are very employable at the 20-30% paycut level and that will improve over time...
by tyrion
Mon Jul 06, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 41
Views: 2829

Re: Time for a new car?

Weird that the 'free' full car diagnosis found $1750+ worth of repairs. I would get a second estimate from another place (without mentioning the list from the first place) before I did any of that. You didn't mention your financial situation but if you can afford a new car that seems like a reasonab...
by tyrion
Sun Jul 05, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What’s important and what’s not?
Replies: 17
Views: 1782

Re: What’s important and what’s not?

1. I focus more on recurring costs than one time costs. Paying $30/month more for a bunch of premium channels can add up over time, much more than overpaying to see a movie because the time is convenient (vs the cheaper matinee). Avoid unnecessary lifestyle creep, but do buy the things that make a d...
by tyrion
Sun Jul 05, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Best $10k car for me?
Replies: 32
Views: 2254

Re: Best $10k car for me?

Flexible on budget, but $10k is a target. I figure if X car in current model year is the ideal car, then X car 8 years old is probably as good. We will have significant cash outlays related to our relo and new home. Already dropping $40k on one car. No interest in doing it for two - at least right ...
by tyrion
Thu Jul 02, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Mini Split A/C: Ducted or Ductless?
Replies: 9
Views: 1016

Re: Mini Split A/C: Ducted or Ductless?

The 'hybrid' system you're suggesting seems like a good fit. It's essentially a 2 unit mini-split with 1 air handler for the open downstairs and the 2nd air handler in the attic with small ducts to each upstairs room. My only concern would be whether there's a way to control the difference between t...
by tyrion
Fri Jun 26, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take Fed direct unsubsidized loans expressly to have them repaid by company?
Replies: 15
Views: 812

Re: Should I take Fed direct unsubsidized loans expressly to have them repaid by company?

I would absolutely take advantage of this, it's part of the total compensation package they are providing you. As I understand it you take out a loan (max 20k/year) and they reimburse you 10k every 12 months until it's paid off. In the meantime you pay for the servicing and interest on the loan. If ...
by tyrion
Thu Jun 25, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Dead ants in radiator
Replies: 16
Views: 808

Re: Dead ants in radiator

You have a cult of ants that worships radiators and the higher the better. When one of their cult members die, they carry it up to the top and deposit the body whereupon some mysterious Ant-God takes it away to blissful rapture. I think this was basically the plot of an Orson Scott Card novel, only...
by tyrion
Tue Jun 23, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: What to buy parents as a token of appreciation/retirement
Replies: 57
Views: 3813

Re: What to buy parents as a token of appreciation/retirement

All of the kids chipped in and we bought my Dad an electric bike when he retired. It was something he had been interested in, and could easily afford but was unwilling to pull the trigger on it for some reason. That was a few years ago. He still uses it, and my Mom will use it if they're both going ...
by tyrion
Wed Jun 17, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable price for one time house cleaning prior to listing for sale
Replies: 23
Views: 1759

Re: Reasonable price for one time house cleaning prior to listing for sale

I don't know if it's reasonable, but I can give you a data point. 2 or 3 years ago I paid $450 to clean a 1200 sq ft home in San Diego. This was a cleaning company and was their 'move out' service intended for people leaving a rental apartment or home. Or selling a home I suppose. The house was empt...
by tyrion
Mon Jun 08, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?
Replies: 12
Views: 778

Re: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?

Another thing to consider- how secure is your job? There is value to having a dual-income family. It provides redundancy for health care as well as salary. You said you are in your early 40s and this is your one and only chance for a baby, so I understand playing it safe. And it seems reasonably for...
by tyrion
Wed May 20, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3870

Re: Safely disinfecting frozen food packages from corona virus?

We lysol-wipe everything destined for the fridge or freezer. Dry/canned foods get thrown in a box in the closet for a few days. Fruits and veggies get a quick soap and water wash (which we did pre-covid as well). Overkill? Probably. But we have a couple of teenagers who need the occasional task to k...
by tyrion
Wed May 20, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 623

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

First of all, VGA cables can go bad. But it's a bit unusual. Supporting a site with 100+ monitors in that age range, I have only had to replace 1 VGA cable. I switched to DVI and it was much improved. Second, it's probably a native resolution issue as others pointed out. Third, just buy a new monito...
by tyrion
Tue May 19, 2020 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 53
Views: 4563

Re: Best credit card for grocery rewards

The Amex Blue Cash Preferred can also be used for amazon if you don't spend the full 6k at grocery stores by buying amazon gift cards at the grocery store then loading them in your amazon account. Or any other gift cards you feel like buying - home depot, target, etc. Amazon just happens to be the e...
by tyrion
Wed Mar 11, 2020 1:10 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196461

Re: Bogleheads community discussion - Coronavirus

The CDC website now has a running daily tally of tests completed by themselves as well as tests completed by local public health authorities going back to Jan 18th. The local public health authorities really ramped up their testing in the last week, and on 3/5 and 3/6, completed over 1100 each day....
by tyrion
Tue Mar 03, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2812

Re: Help/Advice with Decluttering

I’m wondering if anyone has had similar experiences with decluttering. I am currently trying to declutter my life - Iam starting with my comics and graphic novels. I have a lot graphic novels that I have read but will probably never re-read again. They sit beautifully on a bookshelf in my office bu...
by tyrion
Tue Mar 03, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Costco rebate tip
Replies: 33
Views: 4965

Re: Costco rebate tip

Yep. Nothing like cashing in my $1480 rebate last year and receiving it all in 20s (Costco policy??). Nothing like then driving to Chase Bank to change the 20s into 100s (and have bank staff think I am laundering money). I received mine in $100 dollar bills. No policy just staff at your store can't...
by tyrion
Wed Feb 19, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Aging Potential of 2003 Guigal Cotes du Rhone
Replies: 7
Views: 757

Re: Aging Potential of 2003 Guigal Cotes du Rhone

Well.... you should really open a bottle soon and find out. But if you want some data points- Cellartracker thinks you should have already drunk it by now. https://www.cellartracker.com/wine.asp?iWine=83625 And Wine Enthusiast thinks it's probably past it's peak but may still be okay. https://253qv1...
by tyrion
Tue Feb 11, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28208

Re: Protection Against Home Intruders

I mostly use visible deterrents. All of these are inexpensive: (fake) video cameras mounted high enough they can't be inspected closely. Sensor lights on the two main approaches to the house. Again, mounted out of reach. Obscuring film on the garage door windows so you can't see if there are cars in...
by tyrion
Fri Jan 31, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Somewhat complex student loan payoff quandary
Replies: 14
Views: 1074

Re: Somewhat complex student loan payoff quandary

1% of portfolio with an 11% interest rate? Pay it off, account for it in estate planning. Inform grandson that it will be taken out of his future inheritance, or that other grandchildren will receive a similar sum when Grandma passes. Or reduce amount to the grandson's parents if others of that gene...
by tyrion
Tue Dec 17, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: estate distribution confusion
Replies: 79
Views: 4318

Re: estate distribution confusion

As someone currently going through the 'sell and divide the proceeds' process, I would absolutely jump at the opportunity to bypass it all and pocket a similarly discounted sum. You get to avoid hiring a realtor, dealing with figuring out what to fix up, cleaning out all personal effects, dealing wi...
by tyrion
Fri Dec 13, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Advice on what to do with an extra car needing a big repair
Replies: 40
Views: 1164

Re: Advice on what to do with an extra car needing a big repair

Assuming you have one nearby (you said you're in California) I would take it to Carmax and see what they're willing to offer. That gives you a hard data point for an hour or two of effort. I've sold a vehicle to Carmax before, basically just to get rid of it. It was very low hassle. I didn't get to...