Search found 572 matches

by clutchied
Fri Nov 16, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any Accountants here?
Replies: 12
Views: 1826

Re: Any Accountants here?

it's the path you take to become a CPA; usually it's audit and tax. Public accounting firms do all kinds of things though. was in public for 6ish years and got my license. Now I'm at a private company as the controller. It's a sweet deal but public was rough. Long hours and not the best working cond...
by clutchied
Mon Nov 12, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2362

Re: Wanting to move my family but where to begin?

Cincinnati, Dayton & Columbus are all in big growth phases. Dayton has had a rough go of it but the schools are great and outdoor activities abound. Great place to raise kids. Cincinnati is also great and also has good schools. Columbus is kindof the jewel at this point but probably will feel more l...
by clutchied
Thu Nov 08, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19133

Re: Talk me out of buying a Tesla Model 3

The US is below what 3% EV uptake? Can you imagine what it will be @ 10%? We need more infrastructure. It depends when people charge their cars. At 4 am, the grid is roughly say 40% as busy as it is at 430 pm on a summer's day. If we sit all day in the company parking lot, with a solar panel shade ...
by clutchied
Wed Nov 07, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4664

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

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Wed Nov 07, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4664

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

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Mon Nov 05, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4664

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

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Thu Nov 01, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4664

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

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is ...
by clutchied
Thu Nov 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19133

Re: Talk me out of buying a Tesla Model 3

Then there's the Supercharger issues as well. The two nearest Superchargers to me are notorious for being overloaded. They often have people waiting to use them after 11:00pm on a weeknight. This is what happens when you offer "free gas"... even people who pay $100K+ on a car can't turn that deal d...
by clutchied
Thu Nov 01, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19133

Re: Talk me out of buying a Tesla Model 3

Indeed, and thanks for the reality check. I think I push my car philosophy because cars can be destroyed by factors over which we have no control (the elements, reckless drivers, etc). My bass guitar and my bowling ball are less susceptible to that kind of stuff. That said, you're still right about...
by clutchied
Fri Oct 26, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: RealEstate slowdown and Stocks Declining....
Replies: 9
Views: 1989

Re: RealEstate slowdown and Stocks Declining....

confirmation bias am I right?!?

I'm in a high tax state and I'm holding steady all in on my target allocation.

I might buy if we have some more dips.
by clutchied
Fri Oct 12, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1006

Re: Electric Lawn Mower Advice

love Ego products. If I had a small lawn I'd use their mower... but I have all their other stuff, hedge, wacker, chainsaw, blower.

I hate gas fumes and hate 2 stroke even more.

I hope Ego continues their success.
by clutchied
Wed Oct 10, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3060

Re: Dayton, Ohio -- Worth Visiting?

Hey so I live in Dayton metro (burbs). 1. It's not unsafe unless you head out to west dayton (don't). Would you feel unsafe in Chicago? Only in certain parts... 6. Dayton has a very rich history but it's had a rough couple of decades. The metro is doing relatively well and like most of the country ...
by clutchied
Tue Oct 09, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3060

Re: Dayton, Ohio -- Worth Visiting?

I'm planning a road trip and considering making Dayton one of the stops. Mainly to check out all the aviation-related stuff in the area (Wright Bros., etc.). Some questions: I've heard that parts of Dayton can be sketchy/unsafe. Is this true? Which parts? We usually like to stay downtown when visit...
by clutchied
Tue Oct 09, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19133

Re: Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to those like me who like fast cars a...
by clutchied
Thu Oct 04, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Can I deduct rental losses under the $25,000 loss rule?
Replies: 1
Views: 353

Re: Can I deduct rental losses under the $25,000 loss rule?

go look at the IRS schedule E.

last time I checked if you're an active participant you can deduct up to $25,000 in losses phasing out from $100k to - $150k (fully phased out).

Since this is your personal residence it does cause some issues...
by clutchied
Thu Oct 04, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Installation?
Replies: 19
Views: 1482

Re: Solar Panel Installation?

As a data point for sizing:

We have a 6.73 kWh system in socal that is not super well angled but ok. It has through September produced 8.16 megawatt hours.

In CA you can undersize the systems b/c the sun hours are so high. run your own PVWatts calc though!
by clutchied
Sun Sep 16, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 18292

Re: Bay Area housing frenzy cooling

Even the 2008 event took a year + to start materializing any downward pressure. people just held tight until they were distressed and the distress built up and then more and more places ended up on the market pushing prices down as people either sat it out or weren't eligible. In So Cal, it took un...
by clutchied
Thu Sep 06, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2629

Re: Rent Increase or Not?

I tend not to look at it based on percentages because that's not how people perceive rent. I bought a place a couple of years ago and it was under market in all 4 units. As they've turned over I've brought them closer to market and some above market if it's nice enough. I still have 1 unit that's un...
by clutchied
Sat Sep 01, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Tesla Refund
Replies: 19
Views: 2422

Re: Tesla Refund

sddiehard wrote:
Sat Sep 01, 2018 11:09 am
I had to cancel my reservation and the refund arrived the next day. No problems.

(another) Paul
mine was super quick as well.

sounds like there's a problem.
by clutchied
Mon Aug 27, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3226

Re: How often do you change your HVAC filters?

Toons wrote:
Mon Aug 27, 2018 3:29 pm
Installer of heat pump said annually would be sufficient.
I change twice a year.
Honeywell 20x20x4

:happy
same; but we use our HVAC a lot more than OP
by clutchied
Mon Aug 27, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey Ex-L - new or certified used?
Replies: 35
Views: 2397

Re: Honda Odyssey Ex-L - new or certified used?

we have a 2012 EX-L that we enjoy(purchased new for $33k) but it's been relegated to trip duty only at this point. We have other cars as daily commuters as we only have 2 kids and have no need for such a beast. It has 60k miles and no transmission issues. They did do some warranty work for oil starv...
by clutchied
Thu Aug 23, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8772

Re: $65K Fun Daily Driver

So I'm going off of the thread I saw where he was asking for a fun $30K car. As some of you may know, I've always had two cars. A daily driver and then a toy car for the weekend. With our newborn on the way, my priorities are changing and I haven't driven my "toy car" that often and anticipate that...
by clutchied
Thu Aug 23, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8772

Re: $65K Fun Daily Driver

So I'm going off of the thread I saw where he was asking for a fun $30K car. As some of you may know, I've always had two cars. A daily driver and then a toy car for the weekend. With our newborn on the way, my priorities are changing and I haven't driven my "toy car" that often and anticipate that...
by clutchied
Tue Aug 21, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9688

Re: Landlord Nightmare

I learned a couple of lessons early on; some costly some less so... I now screen a bit more thoroughly. I don't ever engage with a single individual; meaning if they say they want the place I don't ever agree. I just say "please fill out and send me the application". I let them know I'm collecting o...
by clutchied
Tue Aug 21, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5511

Re: How much do you put away in investments?

about $55k all in which is probably about 20% of our gross.

It goes up if you include addl. principal payments to investment property or investment property returns.
by clutchied
Mon Aug 20, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 18292

Re: Bay Area housing frenzy cooling

Even the 2008 event took a year + to start materializing any downward pressure.

people just held tight until they were distressed and the distress built up and then more and more places ended up on the market pushing prices down as people either sat it out or weren't eligible.
by clutchied
Fri Aug 17, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2644

Re: Rental House Issue

I would fire the property manager now. Take over self-management for the move out, finding a new tenant and move in. After that, hire a new property manager that you have vetted during the time period of finding a new tenant. 5 hours away... I based that on your comment about wanting to be there fo...
by clutchied
Thu Aug 16, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2644

Re: Rental House Issue

runner3081 wrote:
Sun Aug 12, 2018 10:16 pm
I would fire the property manager now. Take over self-management for the move out, finding a new tenant and move in. After that, hire a new property manager that you have vetted during the time period of finding a new tenant.
5 hours away...
by clutchied
Thu Aug 16, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: How does rental property profit effect MAGI?
Replies: 4
Views: 587

Re: How does rental property profit effect MAGI?

What are you going to do with the proceeds from the loan? 2018 is the first tax year for this new rental. The loan is for the rental. I know the rent will lower the taxable profit I was not sure if it would effect MAGI I know you get this but just to clarify... Rent is profit and increases your tax...
by clutchied
Fri Aug 10, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8752

Re: Huge mortgage mistake

I closed on a townhouse 2 months ago. We bought a place pretty much on the absolute low end of our price range. Super happy with the place. I'm going to spare the details of the flawed thought process I used, but I ended in taking a 30 year mortgage at 4.5% with $60/month PMI (0.35 points). I took ...
by clutchied
Fri Aug 10, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7782

Re: Rude response from boss re: market adjustment

Market means that they survey the local market for competitors and benchmark your pay against substantially equivalents. If you're under they may do a market adjustment up; most companies won't go the other direction. Merit adjustments are for good performance and many are on some type of scale. The...
by clutchied
Tue Aug 07, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3
Replies: 50
Views: 3407

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

I dropped my model 3 reservation and bought a used i3 instead.

I love the i3 but I keep seeing Tesla3's all over the place now... I'm starting to get itchy for one but having a hard time with the pricepoint...
by clutchied
Tue Aug 07, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 6
Views: 528

Re: Anyone using a Dolby Atmos-capable sound bar?

depends on your objectives. The soundbar is going to be subpar in relation to an atmos system with a proper speaker and receiver setup.

If I wanted more space and less clutter I might consider it but I like having good sound and a proper setup. It's certainly cheaper going that way!
by clutchied
Sun Aug 05, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Audi A4 -- Does Anyone Have an Opinion About It?
Replies: 31
Views: 3123

Re: Audi A4 -- Does Anyone Have an Opinion About It?

I rented one through Silvercar and liked it.

I wasn't super happy with the FWD bias, but it was fine. Lot's of tech and buttons everywhere which somewhat take away from the driving experience.


Overall the car was softer than I'm used to (I drive BMW's.)

I would not buy one.
by clutchied
Thu Aug 02, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6295

Re: Co - signed a Mortage, Now wants out

the bank would have to agree to drop you and add her.

They won't do it.
by clutchied
Sat Jul 28, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4250

Re: Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 yea...
by clutchied
Fri Jul 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4250

Re: Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 yea...
by clutchied
Thu Jul 26, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4250

Re: Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 yea...
by clutchied
Wed Jul 25, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3583

Re: Intermittent Fasting

A friend gets an "executive physical" through work once a year as he is a key employee. it's a pretty significant workup taking half a day to complete. The last 3 or 4 years he's tried different things in an attempt to influence his blood chemistry. Of all the things he's tried intermittent fasting ...
by clutchied
Sat Jul 21, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1686

Re: House foundation repair with Helical Piers - urgent request

foundation issues make me extremely uncomfortable and I would not buy a house with them.

sounds like the brick veneer has cracking all through the mortar and water has not been handled correctly at the house. I would guess there are other issues as well from this mistreatment.
by clutchied
Sat Jul 21, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 12433

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Purely on principle I would at least send a letter directly to Ford threatening law suit within 14 days if not repaired, car bought back, or rental car provided for duration. And then file suit in small claims court if there is lack of positive response. The fundamental hassle factor to Ford in dea...
by clutchied
Sat Jul 21, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Best luxury vinyl plank flooring?
Replies: 19
Views: 1978

Re: Best luxury vinyl plank flooring?

costco sells some stuff called golden arowana.

It's the think plank type but looks pretty nice reviews do not look promising.


I recently installed some of the costco laminate "newport oak" in a unit and it looks fantastic. Took me a while but the results were fantastic.
by clutchied
Fri Jul 20, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7407

Re: Families - What's your total annual credit card spend?

Just for reference, I'm curious what you married-with-kids bogleheads are spending on your combined total credit card expenses each year? The last couple years DW + I have been in the $40-$45K range. Seems high to me when I look at it, though we do have 3 kids and put everything we can on CCs, incl...
by clutchied
Fri Jul 20, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2565

Re: What is the most severe hyperbolic discounting you have ever acted on?

Hyperbolic discounting is the tendency in humans to value something NOW a lot more than something later, to an extreme degree. This often results in impulse buys, convenience purchases, etc. wikipedia explains it with a bunch of $10 words: https://en.wikipedia.org/wiki/Hyperbolic_discounting What's...
by clutchied
Fri Jul 20, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2205

Re: California Homeowners - Do you have earthquake insurance?

I have 2 houses in socal and the answer is no.
by clutchied
Wed Jul 18, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 27
Views: 3600

Re: Thinking about job change but current job gives 9% salary into 401k..

that's a really great benefit! I'd have a hard time walking away from that in the midst of my accumulation stage unless there were significant upside at the other place.
by clutchied
Tue Jul 17, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6009

Re: Which minivan?

With a new baby arriving in March :D, my wife wants to get a minivan.. right now we share 1 car, a Ford Focus hatchback - which we've been reasonably happy with, but it's not roomy in the back. Do bogleheads have a recommendation on minivans that are on the market these days? I've been studying the...
by clutchied
Tue Jul 03, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14417

Re: What are your property taxes?

$11k / yr.
SW Ohio
It's based on 1/3 of assessed value, 2 something %.

it's a nice house but the value they have on it is absurd... I think they did the calculation incorrectly or something. Now i need to go do some digging.

sales tax is 6.75%
income tax is like 5%
local tax is 2.25%
by clutchied
Fri Jun 29, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4468

Re: hybrid or plug-in electric car

used BMW i3 or Nissan Leaf.
by clutchied
Fri Jun 29, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Buy used or new Honda Odyssey - specific example
Replies: 26
Views: 2172

Re: Buy used or new Honda Odyssey - specific example

We will likely upgrade to a new minivan in next 1-2 years. We want to stick with Honda Odyssey. I debate buying new vs. used. This one we purchased new in Dec 2009. Total spent on maintenance/repairs since 12/2009 - $9473. Table below outlines our costs to date for maintenance and repair. More than...