Search found 547 matches

by clutchied
Mon Aug 20, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 7
Views: 955

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: 2443

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: 2443

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: 512

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: 8420

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: 7411

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 vs keeping my M235i.
Replies: 50
Views: 2950

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: 452

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: 2937

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: 6044

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: 3857

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: 3857

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: 3857

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: 3205

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: 1549

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: 71
Views: 9592

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: 1773

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: 6896

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: 2401

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: 2099

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: 3415

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: 5614

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: 13561

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: 3995

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: 24
Views: 1575

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...
by clutchied
Fri Jun 29, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Investment Property With Father
Replies: 12
Views: 1144

Re: Investment Property With Father

My dad and I were set to buy a 4plex about a year and a half ago and during close he bailed on me... it's actually been a huge benefit but it felt pretty awful at the time. the difference is that my dad knows zero about real estate. It feels like your dad is trying to see if you want the family "bus...
by clutchied
Fri Jun 29, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Landlords- How Many Months of Expenses Do You Keep?
Replies: 8
Views: 1224

Re: Landlords- How Many Months of Expenses Do You Keep?

Question for landlords- how many months of expenses do you keep on hand? We have a few rentals- 2 are condos and require little maintenance; tenants are responsible for utilities, we pay HOA. Also have 1 commercial bldg and 2 single-family homes. This would also include planning for vacancies. All ...
by clutchied
Wed Jun 27, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15246

Re: Did you celebrate when you finally hit $1m?

It's just a number. While it may be a goal worth noting, it's a bit like driving across the border from Ohio to Indiana...the landscape will not have changed much--financially or otherwise. You really aren't much better off than you were at $990,000. every time I do that the roads get worse! :D
by clutchied
Mon Jun 25, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33884

Re: What is/ was your career and would you recommend it now?

CPA public accounting for 7 years then went into private medical. I think it's a great career path with almost unlimited flexibility. As you specialize it becomes less flexible but more rewarding and higher value. Yes, I would absolutely recommend a degree in accounting with continuation on to becom...
by clutchied
Fri Jun 22, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2529

Re: Need new Cable Modem + Router - Please recommend

Dear Bogleheads, I have an old cable modem + wireless N-router at home. I want to upgrade to something better. Everything works ok, but, I want to keep up with technology. I am also hoping to get faster speeds. I have Spectrum cable + TV at home. We are average users - 2/3 computers, Cable TV, Netf...
by clutchied
Thu Jun 21, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8559

Re: Do you invest in Real Estate ? Why ?

Folks, 1. Do you invest in Real Estate ? 2. If yes, Why do you invest ? Cash Flow vs 3-Fund-Portfolio ? 3. If not, Why not ? I'll appreciate if you please share any real experiences; My Financial Advisor advised me to consider Real Estate investments for Cash Flow diversification. 1. Yes! 2. Accide...
by clutchied
Thu Jun 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1531

Re: Cheap, fuel efficient 2nd car commuting?

My daily driver is newer (paid for) truck averaging about 18 miles per gallon (city/highway). I was averaging about 10,000 miles per year with this truck so depreciation and fuel expenses were not that big of a concern for me. Due to an unexpected but good job change, I am now anticipate driving ab...
by clutchied
Mon Jun 11, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5848

Re: When should you consider removing the collision coverage on a car?

when the value on my cars drop below $10k. I drop collision and self insure. I understand the theory of self insuring, but when I checked with two different insurance companies two years in a row on one of my older cars, the savings for dropping collision was less than $200 per year. I don't consid...
by clutchied
Mon Jun 11, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5848

Re: When should you consider removing the collision coverage on a car?

I drive a 2012 Fiat 500 with close to 110,000 miles on it. The car is in excellent condition but has an extremely low resale value which to me doesn't matter as I will probably drive it for at least 4 more years. My yearly insurance premium currently sits at right around $500/year. It would save me...
by clutchied
Mon Jun 11, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38133

Re: Bogleheads, tell me about your 40's?

I'm turning 38 on Father's day this year and this has been wonderful to read!

thank you to all who contributed their wisdom and experience; very inspiring!
by clutchied
Wed Jun 06, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 7828

Re: What is your Take Home Pay / Gross Pay ratio?

right around 50%

We max 2x 403b's (37k)
1 x Fam HSA (6.9k)
1x Dependent care FSA (5k)

plus all those delicious taxes...
by clutchied
Fri Jun 01, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Financial setback stories
Replies: 21
Views: 3545

Re: Financial setback stories

Anyone care to share a financial setback that they bounced back from? Huge medical expense, lawsuit, divorce, job loss? Feel some perspective would do us well and show perhaps we aren’t alone in our setbacks to financial freedom. This is minor but it was a setback. 1. Moved across the country for a...
by clutchied
Mon May 28, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2283

Re: Best brand of appliances for new condo

the new credit card deal at costco is really outstanding for additional warranty, I think it adds 2 years just for paying w/ the costco visa.

I've been really happy with LG washer/dryer combo's.
by clutchied
Mon May 28, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2283

Re: Best brand of appliances for new condo

the new credit card deal at costco is really outstanding for additional warranty, I think it adds 2 years just for paying w/ the costco visa.

I've been really happy with LG washer/dryer combo's.
by clutchied
Thu May 24, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17402

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

you have a stay at home spouse? wow that's a hot ticket luxury item.

I would not pay it off.
by clutchied
Wed May 23, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 957

Re: Negotiating for Residential Solar

I've pretty much decided to get residential solar panels. I live in a hot, sunny location with high electrical rates and I have an electric car, so it seems like a good idea. I've gotten a couple quotes, one from Sunpower and one from another respected local broker. The quoted price was around $18,...
by clutchied
Wed May 23, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106818

Re: To take or not to take delivery of Tesla 3

Clutchied, Do you have Active Cruise Control with Stop & Go on your model? If so, I highly recommend this and finding a local person to code your car for you. Turns on the BMW version of AutoPilot. They call it Traffic Jam Assist in Europe. BMW turned it off in the US for some reason. Works great b...
by clutchied
Wed May 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106818

Re: To take or not to take delivery of Tesla 3

As a proud BMW i3 owner I'll point out that BMW has sold 100,000 i3s as of 2017. :D I would rather expect that the i3 sales will drop off as the 3 ramps up more. The 3 will likely offer so much more per $. I3 sales data: http://carsalesbase.com/us-car-sales-data/bmw/bmw-i3/ 3 sales data: http://car...
by clutchied
Wed May 23, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106818

Re: To take or not to take delivery of Tesla 3

As a proud BMW i3 owner I'll point out that BMW has sold 100,000 i3s as of 2017. :D I would rather expect that the i3 sales will drop off as the 3 ramps up more. The 3 will likely offer so much more per $. I3 sales data: http://carsalesbase.com/us-car-sales-data/bmw/bmw-i3/ 3 sales data: http://car...
by clutchied
Mon May 07, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Anyone from Dayton,OH area-?'s
Replies: 21
Views: 1456

Re: Anyone from Dayton,OH area-?'s

Hi,My daughter just was hired for a job in Dayton OH.She currently lives in a climate requiring snow tires for her Elantra. Will she need them in Dayton?Any recommends on areas to live . She will be working at Wright-Patterson.Any advice for the area greatly appreciated. Asking for her as she is cu...
by clutchied
Tue Apr 24, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 8497

Re: Do you buy new or used cars?

as I became more financially secure I've become much more comfortable with used cars.

The other issue too is that cars from when I was younger are getting older now and since I kinda grew up with them I find them to be a comfortable "risk".


I love used cars right now.
by clutchied
Tue Apr 24, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6975

Re: Structuring Newlywed Finances for Fairness and Less Arguments

Hi all- recently married. Wife and I need to sit down and figure out how to structure our shared finances now as a combined unit. Open to ideas from everyone's experience here. Wife and I are in the same line of work but I work more/longer to manage rental properties that I've had before we got mar...
by clutchied
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4979

Re: Another discussion about private vs public schools?

growing up in the Midwest I always found it fascinating how great the schools were/are. It's like a talent reactor for the rest of the country. Over the last 20 years I can't help but notice that the jobs are going to places with poorer schools. People move into enclaves of good schools and the rest...
by clutchied
Thu Apr 19, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1511

Re: Buy rental property out of state !

I love seeing all these new articles about cash is "just around the corner" just buy it and voila! If you're going out of state there are 2 critical pieces. It has to make financial sense and it has to make financial sense with an experienced reliable property manager. If you don't have those it won...