Search found 2274 matches

by Carefreeap
Sun May 27, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 76
Views: 10395

Re: Retirement in Arizona - Seeking Advice

Bump for Tucson, Prescott, Sedona, Flagstaff... Most of Tucson is going to be around 2500' so summers are similar to what we experienced in Carefree, 100+ degree days starting in May through September. Night temps will be in the 80s depending on how "citified" your area is based on the Heat Island ...
by Carefreeap
Fri May 25, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

Good question... I wonder about that myself. I think it's a combination of things. In housing developments, there are units which are reserved as "affordable housing", so some live there. Some commute from really far away. Some live in areas that haven't been "gentrified". Some live in shared housi...
by Carefreeap
Wed May 23, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2069

Re: Winter Home - issues/costs?

The snowbird season in the Phoenix area lasts from September to April -- give or take. The early birds show up in September to get the good spots even though it's still hot. Of course there are areas of Arizona with less extreme weather than the Phoenix metro area. . That's interesting. Our experie...
by Carefreeap
Tue May 22, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: General question for someone with knowledge of real estate law
Replies: 8
Views: 593

Re: General question for someone with knowledge of real estate law

Thanks for the replies. To make this a little more complicated. The realtor has sent husband listing which was received today but husband is leery of signing until language added to listing that both husband and wife receive separate checks . The wife also knows the prospective buyer who is ready t...
by Carefreeap
Tue May 22, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: General question for someone with knowledge of real estate law
Replies: 8
Views: 593

Re: General question for someone with knowledge of real estate law

I suppose a listing agent can solicit offers for anything, but any buyer won't be able to acquire good title without the consent of both joint owners. Gill If one spouse is opposed to selling the property, there could be a problem when the RE agent delivers a buyer who is ready, willing, and able t...
by Carefreeap
Tue May 22, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4133

Re: Buying a Vacation Rental Property as an Investment

Thanks for the info lot of good replies. You're all right in that I/my parents likely don't need the headache or the risk. But someone out there is making money on these type of things. Well you could short the market in anticipation of the next Black Swan event. :wink: Forgive me, I'm reading Nass...
by Carefreeap
Mon May 21, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Coachella concert
Replies: 8
Views: 916

Re: Coachella concert

Reserve hotel rooms now with free cancellation. I stayed at the Best Western. Prepare to pay big $$. Have they announced dates yet (not to mention artists)? At least it's two weekends now. Since you are older skewing, pay up for the VIP tix. Take a bandana or surgical mask- the dust is horrendous. ...
by Carefreeap
Mon May 21, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4133

Re: Buying a Vacation Rental Property as an Investment

My wife and I own and rent two beachfront condos in SWFL. Much of what has been posted regarding the amount of work that goes into managing and maintaining the properties is true. The key is to do your research. Know the market in terms of what is a good value to purchase a property, but always bac...
by Carefreeap
Mon May 21, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4133

Re: Buying a Vacation Rental Property as an Investment

The bolded below is a common misconception, and intellectually dishonest. Rental properties do better in recessions. Housing is a basic need. During a recession, while SUVs/doggy day care/lattes etc. go out the window, families double down and focus on the essentials, ie. housing and food. As other...
by Carefreeap
Mon May 21, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4133

Re: Buying a Vacation Rental Property as an Investment

This is a very timely post. My daughter wants us to partner with her on buying a vacation house which she (and us) would use for occasional getaways and vacations and rent out for short term rentals. So, maybe she would rent it out for 60 or 70 days a year (probably in the summer) or whatever the m...
by Carefreeap
Sun May 20, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3270

Re: Life Changes

We have talked about doing something like this. Just caution this will either be the best thing ever for the family or very destructive. Wife needs to be 100% on board and excited about it. She is going to be stuck in a small cabin with 2 toddlers for a while and a drive to take them anywhere. Thin...
by Carefreeap
Fri May 18, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

Update! First I want to thank the Boglehead community for the support and advice. I was able to reach Rick Bishop of Bishop Appliances and he made the long haul from Mesa to Carefree. In a nutshell my appliance guy did not do the full repair correctly and failed to lock the hinges into the door prop...
by Carefreeap
Tue May 15, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: I've bought a new home, should I sell or rent my old residence?
Replies: 21
Views: 1377

Re: I've bought a new home, should I sell or rent my old residence?

They need to diversify their savings from having everything tied up in his business. Having another illiquid asset is not good diversification.

Sell.
by Carefreeap
Tue May 15, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

I'm not sure if I'm understanding the facts correctly (so please correct me if I'm mistaken) - you can get a 30 year loan at 0% but only one time? This seems strange but, if it's the case, it seems like quite the deal and I would want to take maximum advantage of it. I'd put as little down as I pos...
by Carefreeap
Tue May 15, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

I'm not sure if I'm understanding the facts correctly (so please correct me if I'm mistaken) - you can get a 30 year loan at 0% but only one time? This seems strange but, if it's the case, it seems like quite the deal and I would want to take maximum advantage of it. I'd put as little down as I pos...
by Carefreeap
Tue May 15, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2348

Re: Grand Canyon or other Nat'l Park in October?

Grand Canyon is spectacular, but Death Valley is the geologists paradise. I’ll just preface by saying my wife also has a masters in Geology. And we’re both park rangers that have worked here. So, I might have a sense of where you’re coming from. ;) It can still be warm, but tolerable, probably up t...
by Carefreeap
Tue May 15, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2348

Re: Grand Canyon or other Nat'l Park in October?

One thing to consider on the Rim to Rim hike is the distance and driving time for the shuttle from one Rim to the other. It's about 250 miles and takes over 5 hours, so that's a day of your time either at the beginning or the end of the hike. Real hikers can do the hike in a day, but the rest of us...
by Carefreeap
Tue May 15, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

This has crossed my mind too although the counter is that at least for now, our cash flow is very healthy renting and while that may one day eventually change, we’ll be well prepared to buy or move at that point (saving maybe 200k/year currently). Much of that annual savings is wiped out by the ann...
by Carefreeap
Tue May 15, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

OP, as others have said, you CAN afford to buy on the SF Peninsula. Perception is reality, take a look at smaller homes to get you started. Born and raised here we can say from experience that it has never been easy going back to our first home purchase in 1979. A PLUS for you is that your income i...
by Carefreeap
Tue May 15, 2018 10:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9085

Re: Yes, I'm 89 all right!

Wow! Thanks for taking the time to post.

You are a hero to so many of us by changing the investing model.

Here's to many more birthdays! :sharebeer
by Carefreeap
Mon May 14, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

LKS, any idea how these couples are handling housing? Buying small, buying overextending, renting? Rent or bought small and they kept saving cash. Yeah, that is what we're currently doing. I suppose it is a drop in the bucket and a good problem to have, but at some point, my AA becomes tilted signi...
by Carefreeap
Mon May 14, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2348

Re: Grand Canyon or other Nat'l Park in October?

Rim to rim hike is a major hike. I didn't get the sense you're thinking about that. Plus you have to reserve the Phantom Ranch months in advance, and also have campsite reservations 3-4 months in advance. Plus you'll have to backpack all your camping gear if you plan to overnight anywhere but the P...
by Carefreeap
Mon May 14, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1186

Re: California folks - Will/trust still needed with POD & TOD?

I imagine there can be situations simple enough that DIY is fine. They would probably apply when you did not really care what happened at your death: no human heirs, any assets to go to a charity, let them figure it out. With a spouse there are enough complications that I would want more certainty....
by Carefreeap
Sun May 13, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1186

Re: California folks - Will/trust still needed with POD & TOD?

I imagine there can be situations simple enough that DIY is fine. They would probably apply when you did not really care what happened at your death: no human heirs, any assets to go to a charity, let them figure it out. With a spouse there are enough complications that I would want more certainty....
by Carefreeap
Sun May 13, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

We’ve apparently entered some sort of vortex where things are very different. Perhaps it’s a bubble that will pop. I don’t normally bet on such things but, when two physicians can’t afford a home in the area, something absurd is happening. I’d save money and be ready to pounce when the right opport...
by Carefreeap
Sun May 13, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 150
Views: 11628

Re: New(ish) attending physicians in the Bay Area: Housing

Bay Area Peninsula resident and property owner here. Have you thought about buying your parents house and having them "right-size" to a smaller house? They will want to take advantage of prop 60 (transfer of property tax base) but if they are in a big house maybe it's time make life easier for thems...
by Carefreeap
Sat May 05, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

https://www.bestbuy.com/site/frigidaire-30-built-in-double-electric-wall-oven-stainless-steel/4708131.p?skuId=4708131&ref=212&loc=1&gclid=CMGasqvd7toCFYWxZQodrKgN7w&gclsrc=ds You can pick this one up for around $1,200 on sale Thanks. Right now it's showing about $1500. We're headed to AZ this weeke...
by Carefreeap
Sat May 05, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

madbrain wrote:
Sat May 05, 2018 5:05 am
inbox788 wrote:
Thu May 03, 2018 8:34 pm
BTW, 408 area code is Phoenix.
That would be news to much of Silicon Valley.
Lol, moving from the Bay Area to the Greater Phoenix area was a challenge for this mildly dyslexic person. But I knew what he meant. :wink:
by Carefreeap
Fri May 04, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2824

Re: Rebating buyer's agent for 1st time single-family home purchase

I do realize that there is a reason the commission is the way it is and is based on certain realities of the business of realtors. On the other hand, I'm a pretty detail oriented guy, and so far I've been quite disappointed with most people I've paid to do things for me (e.g., immigration lawyer fo...
by Carefreeap
Fri May 04, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2824

Re: Rebating buyer's agent for 1st time single-family home purchase

I don't know what the "dummies" book has in it, but I can tell you from experience that the most overlooked part of buying any house is the neighborhood. Open houses and visits with agents are always during the day. Before you make an offer on any house go back without the agent and drive around th...
by Carefreeap
Fri May 04, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Second week of biking in the Balkans
Replies: 4
Views: 571

Re: Second week of biking in the Balkans

Fabulous! About eight years ago I hiked through several of the locations you mentioned with Outward Bound International. We did take vans to get from location to location and stayed at some hiker's huts along the way. Such an amazing variety of terrain from the mountains and forests to the gorgeous ...
by Carefreeap
Fri May 04, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

I would think in a rental, a standard 30” stove might be a better choice. Tenants are hard on stuff. Ordinarily, I would agree and the simpler the better. It's a higher end home in an expensive neighborhood and we are likely to put it into service as a second home at some point. As I posted earlier...
by Carefreeap
Fri May 04, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

abuss368 wrote:
Thu May 03, 2018 9:09 pm
I was unaware that this could happen. I would question the need for a $3,000 replacement oven! Could you find a reasonable alternative for a much lower cost?
I was looking at double ovens at Lowe's today. $2500+ :(
by Carefreeap
Fri May 04, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

You could try to fix it yourself. Seems like a common problem, but the general door hinge fix is not sufficient and you have to find the right part to change the hanger in the oven itself if you can find the right part. That's going to be the challenge. BTW, $350 seems expensive to change out a few...
by Carefreeap
Thu May 03, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 4002

Re: Need advice on $5M property sale

Raw land sales typically have a larger commission, often around 10%. They are a lot more complicated and typically take longer (often years) which is why the commission is higher. That said it sounds like you're in a hot area and probably want an experienced commercial broker, familiar with commerci...
by Carefreeap
Thu May 03, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Arghhh! Oven Door Fell Off Again! <Update post 15>

We have a Jenn-air Double Convection Oven in our home in AZ. It was installed in 2004 when it was our primary home. DH loves to cook and used it regularly. No problems during those five years other than the probe was defective and it was replaced. We moved out in 2009 and it has been tenant occupied...
by Carefreeap
Wed May 02, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5251

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

My parents had a Jeep Grand Cherokee when I was growing up. It was towed more miles than it was driven. That's why I drive a Toyota Highlander today :) Lol and why I wound up trading mine for "parts" value in 2005 and bought a 4Runner. Still have the 4Runner with 147k miles. My Jeep Grand Cherokee ...
by Carefreeap
Sat Apr 28, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10263

Re: Wedding - financial burden on couple and attendees

Since this is a finance forum, it would be interesting to know how much cash gift is lost due to a destination wedding, both from reduced number of attendees and less cash given due to money spend out of pocket by attending guests. It is gauche to even expect any presents at destination wedding. I ...
by Carefreeap
Sat Apr 28, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2348

Re: Lake Tahoe

Another vote for staying in Tahoe. While I love SF and Yosemite they deserve their own or a longer trip. There is plenty to do in Tahoe and you've been given some great itineraries. FWIW last September I hiked half of the Tahoe Rim Trail and I had so much fun I'm hiking the other half this year. I'm...
by Carefreeap
Sat Apr 28, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 23
Views: 1937

Re: New Zealand Accomodations

Kia or a! Spending our last day in Renwick (pouring buckets unfortunately) but otherwise had great weather. Wound up booking tomorrow's stay at the QT again as the restaurants behind the hotel are plentiful and reasonable. There's always a ready supply of taxis and the ride to the airport isn't that...
by Carefreeap
Tue Apr 17, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 1071

Re: San Diego Safari Zoo

PS This is a Big Birthday trip and unfortunately in August. With the hot weather caution, I'm also reconsidering the need to spend 2 days in the park as their site suggests. You BH's rock with your willingness to help :sharebeer Kids? I'd look at booking either a hotel or vacation rental in Oceansi...
by Carefreeap
Mon Apr 16, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 1071

Re: San Diego Safari Zoo

Are you talking about the Wild Animal Park in Escondido? If so, I would just rent a car for the day. I'd plan on four hours or so. Stone Brewery is nearby and a lovely place to have lunch or dinner even if you aren't a big beer fan and/or have kids. Good food and gorgeous grounds. Not a whole lot mo...
by Carefreeap
Mon Apr 16, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1274

Re: Rentals and Security Deposits

There's a college rental company who bought up a ton of housing around a small 6,000 student college in my town. The rent by the room and have the parents guarantee the lease. Each tenant gets one bedroom in the lease and I think the company paid for the utilities up to X amount. In my rentals, I a...
by Carefreeap
Mon Apr 16, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1274

Re: Rentals and Security Deposits

One of the many reasons why I wouldn't rent to groups despite the extra money. Deposit issues, constant turn-over in occupancy, and no one accountable for damage. Not worth the hassle in my opinion. Back when I was single (as described in previous post) and was denied rental from you, I would file ...
by Carefreeap
Sun Apr 15, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1274

Re: Rentals and Security Deposits

One of the many reasons why I wouldn't rent to groups despite the extra money.

Deposit issues, constant turn-over in occupancy, and no one accountable for damage.

Not worth the hassle in my opinion.
by Carefreeap
Sat Apr 14, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: When to Cancel Disability Insurance
Replies: 2
Views: 374

Re: When to Cancel Disability Insurance

With your net worth and liquidity, I would.

We dropped supplemental life insurance on DH when we hit $2M and he was 48. At some point you realize you're going to be fine. :D
by Carefreeap
Sat Apr 14, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8497

Re: Should we save for our son's college?

Regardless of what individuals believe - Here in the US - the government kind of assumes the parents, if they can afford to do so, will be helping out. They do? According to whom? Who is "the government"? OP: There is no expectation that you pay for your child's college education. From what I have ...
by Carefreeap
Sat Apr 14, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8497

Re: Should we save for our son's college?

Short answer: yes, you should Longer answer: with your income your kid(s) will never qualify for any type of aid. Assuming you want your kids to get a degree, and are grooming them to do so, it would be doing them a disservice to leave them up to their own devices to pay for it, when aid is not an ...
by Carefreeap
Fri Apr 13, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4923

Re: realtor wants to show house to buyer, no listing agent for me

Carefreeap, Thanks for your input. I checked Zillow.com. There are only 7 houses for sale in my area. All are 600 more feet more than mine and a lot more expensive. In the last 2 months , all houses sold in m area were at asking price. I guess this the the reason the buyer who wanted to see my hous...