Search found 752 matches

by Wannaretireearly
Tue Dec 11, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax assessments in California (assessors questionnaire)
Replies: 10
Views: 969

Property tax assessments in California (assessors questionnaire)

After a permitted renovation, I get letters from the county assessor asking for 'cooperation in providing some information' (basically a cost questionnaire). There is no deadline stated for my response, and letter reads like its optional for *my* cooperation. It does state that *they* are required t...
by Wannaretireearly
Wed Nov 28, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Re: Time to buy/lease an electric or hybrid?

GM announced they will discontinue production of the Volt. Personally, I believe in leasing hybrids/electric vehicles for the technology/driving experience. 3 years is a lifetime for such vehicles as far as technology and driving experience. I currently lease a BMW 530e, the car didn't hit market u...
by Wannaretireearly
Wed Nov 28, 2018 5:36 pm
Forum: Non-US Investing
Topic: UK pension considerations for US resident
Replies: 6
Views: 730

Re: UK pension considerations for US resident

thanks for the responses so far. Anyone have personal experience with this?
by Wannaretireearly
Tue Nov 27, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Re: Time to buy/lease an electric or hybrid?

GM announced they will discontinue production of the Volt. Personally, I believe in leasing hybrids/electric vehicles for the technology/driving experience. 3 years is a lifetime for such vehicles as far as technology and driving experience. I currently lease a BMW 530e, the car didn't hit market u...
by Wannaretireearly
Tue Nov 27, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Re: Time to buy/lease an electric or hybrid?

Seems like your goal is to get in the faster lane, low cost commuting, and a manageable monthly. A Solara should go for another few years before the costs get really high, assuming normal maintenance so you should have some time to deal shop. I have a Leaf and a good friend has a Volt. The Volt fee...
by Wannaretireearly
Tue Nov 27, 2018 12:40 am
Forum: Non-US Investing
Topic: UK pension considerations for US resident
Replies: 6
Views: 730

UK pension considerations for US resident

She has worked for 25 years in the UK. Has now worked for ~20 years in the US. She will retire in the US. She is 64. What are the considerations for her to claim her well earned UK govt pension @ ~67? We've heard it may affect her US social security? Recommended sites or books which can help? :share...
by Wannaretireearly
Sat Nov 24, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Re: Time to buy/lease an electric or hybrid?

Note: For now, I'm just considering the monthly/yearly costs. The reliability, safety, and most importantly HOV sticker may be the deciding factor to push me over the hill and get me out of my 14 year old Toyota ;) :sharebeer My gut is the window for HOVs will close? The real cost for most Californ...
by Wannaretireearly
Sat Nov 24, 2018 1:34 am
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Re: Time to buy/lease an electric or hybrid?

Calsaver wrote:
Tue Nov 20, 2018 11:32 am
Check here for a great rundown of lease deals on EVs and PHEVs: http://ev-vin.blogspot.com/2017/02/ev-l ... lters.html

Updated often (weekly?).
Great site. Thank you!
by Wannaretireearly
Mon Nov 19, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3239

Time to buy/lease an electric or hybrid?

Current commuter: 2004 Toyota Solara. Good car., 125K miles. No issues - but no HOV sticker :( Current cost: $60 on gas per week (~40 mile round trip commute). MPG slowly dropping on this 'old' lady....now around 20 MPG. Potential commuter A: Chevy Volt? (prefer the idea of an electric hybrid - gas ...
by Wannaretireearly
Sun Nov 18, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Whole house water filter? How to interpret test results??
Replies: 7
Views: 725

Re: Whole house water filter? How to interpret test results??

Any recommendations on electronic water testing units? Ive seen ones on amazon for about 50 to 100 bucks. Want to get this so i dont have to get those individual manual water tests (i want to test the water in a few diff rooms). Thanks
by Wannaretireearly
Fri Nov 09, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4167

Re: Post FiRE job...teaching??

Kinda unrelated to this discussion, but here is a good MMM link if anyones interested:

http://www.mrmoneymustache.com/2012/01/ ... etirement/
by Wannaretireearly
Fri Nov 09, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4167

Re: Post FiRE job...teaching??

Great responses folks, and a lot of food for thought. Hopefully this post will be useful to anyone considering a teaching career. Why am i even thinking of this now? I guess cos deep down i just want to have some plan whem I am FI and ready to RE. Wifey and i have both discussed a likelihood were re...
by Wannaretireearly
Sat Nov 03, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4167

Re: Post FiRE job...teaching??

Thank you for all your great responses! I will poke around and ask questions with the cc. Bouncing around other ideas too...one must have is to be close to home. Perhaps i could find a job working for the city. Perhaps i could start some kind of consultancy specializing in pm guidance/mentoring (my ...
by Wannaretireearly
Sat Nov 03, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4167

Post FiRE job...teaching??

Would love to plan my post FIRE job. Been thinking about a teaching job at a local community college. But...thats as far as ive gone. Any advice on next steps? I have a bachelors degree and an Engineering/IT background. In management now. Project management i guess is my sweet spot. My major was in ...
by Wannaretireearly
Mon Sep 03, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 16
Views: 3402

Re: new mattress/bed - king size upstairs

Bump!! Any opinions on dreamcloud? (Sister company from nektar i believe). DreamCloud The Comfortable Luxury Mattress https://www.dreamcloudsleep.com/ Related, how about the sealy hybrid models? Opinions? I think we like the hybrid option. Memory foam plus coils. I am worried about how i get this ki...
by Wannaretireearly
Sat Sep 01, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4901

Re: Need recommendation for home alarm system

Any nest secure reviews??
by Wannaretireearly
Fri Jun 15, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 12970

Re: Timeshare ever worth it? Please share details

This is the OP. Thanks for the responses and keep em coming! Interestingly, we are now in clearwater FL in a suite with kitchen at the hyatt (2 bathrooms) - got upgraded at checkin! Beautiful room and location. Not gonna happen everytime but we seem to get upgraded to suites about 50% of the time......
by Wannaretireearly
Thu Jun 14, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 12970

Timeshare ever worth it? Please share details

Howdy, In FL cocoa beach. Offered a timeshare for 44K upfront (payment options etc) plus annual maintainence fees around 1500. Was 'No' from me to quickly collect $250 ish cash bonus. I cant think of great reasons to ever get a timeshare...my questions: 1. If you like your timeshare, what were you a...
by Wannaretireearly
Fri Jan 05, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Second story additions
Replies: 11
Views: 3183

Re: Second story additions

Thought it would be interesting to bump my own post from 7 (!) years ago. We are now in the middle of said second story addition....so far so good. Generally, great contractor and crew has made the experience good. Were looking forward to moving in, hopefully by April! Now to something actionable......
by Wannaretireearly
Thu Jan 04, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Smart home and new home security technology
Replies: 5
Views: 889

Re: Smart home and new home security technology

Thanks! Wary of ADT...if i can get the setup and some cloud video storage for a reasonable amount, that would be good
by Wannaretireearly
Sun Dec 31, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Smart home and new home security technology
Replies: 5
Views: 889

Smart home and new home security technology

Hello Bogleheads! Technology is changing at a rapid clip with Smart home and home security. I'm considering the following options: Kuna security lights/cameras Ring doorbell and camera Vivint home security system ADT home security system? (maybe) There are overlaps b/w these all, e.g. Vivint has its...
by Wannaretireearly
Sun Oct 29, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance: major constuction
Replies: 3
Views: 590

Re: Home insurance: major constuction

Thanks! Anyone else experience 'construction insurance'?
by Wannaretireearly
Sat Oct 28, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance: major constuction
Replies: 3
Views: 590

Home insurance: major constuction

Hello, We have had to take a out a new construction home policy, I've been told because were not staying in the house. FYI - were building a second story. Did i really have to take out a new (expensive) policy? I'm assuming that once constuction is complete, and I move back in, I'll get a regular ho...
by Wannaretireearly
Thu Sep 28, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 2234

Re: Shower heads, recent experience?

Ha good one..
by Wannaretireearly
Wed Sep 27, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 2234

Re: Shower heads, recent experience?

Thanks, all! Great comments - i know, ill get the flow adjusted regardless!!
Keep,the comments comin'...i have hansgrohe and am def trending that way for the new bathrooms
by Wannaretireearly
Tue Sep 26, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 2234

Shower heads, recent experience?

Hi,

We are looking at buying a hansgrohe shower system.
Any experience from folks on where you have bought your shower system?

Local retailer vs. Online (amazon). What other online options?
Online seems much cheaper...i could try to get local stores go price match...

Thanks!
by Wannaretireearly
Wed Jul 12, 2017 12:31 am
Forum: Personal Investments
Topic: CA exempt bond fund: Long term or intermediate?
Replies: 9
Views: 1710

Re: CA exempt bond fund: Long term or intermediate?

Back up. What is your long-term plan? You say you don't want LT CA to cost you thousands if rates increase, but you say you'd hate to lose money by switching to a shorter duration. You have to decide which of those risks to take. What would u do? It may not really make much difference either way. I...
by Wannaretireearly
Wed Jul 12, 2017 12:25 am
Forum: Personal Investments
Topic: CA exempt bond fund: Long term or intermediate?
Replies: 9
Views: 1710

Re: CA exempt bond fund: Long term or intermediate?

I have 'long term CA exempt' currently - VCITX. My investment horizon is 1 to 2 years, perhaps longer if I don't need this money for a home renovation. Should I keep VCITX or move to 'intermediate term CA exempt' - VCAIX? What should drive my decision? Thanks, WRE Before I give advice, along the th...
by Wannaretireearly
Tue Jul 11, 2017 10:07 pm
Forum: Personal Investments
Topic: CA exempt bond fund: Long term or intermediate?
Replies: 9
Views: 1710

Re: CA exempt bond fund: Long term or intermediate?

Thanks for the responses. I do have the admiral fund. Sorry for missing that. I'm in the boat that mega317 suggests. Higher risk tolerance. Had this LT fund for a few years and seen it gyrate. The reason. I'm asking the question now is the potential impending need to use the money. The renovation is...
by Wannaretireearly
Tue Jul 11, 2017 2:29 pm
Forum: Personal Investments
Topic: CA exempt bond fund: Long term or intermediate?
Replies: 9
Views: 1710

CA exempt bond fund: Long term or intermediate?

I have 'long term CA exempt' currently - VCITX.

My investment horizon is 1 to 2 years, perhaps longer if I don't need this money for a home renovation.

Should I keep VCITX or move to 'intermediate term CA exempt' - VCAIX?

What should drive my decision?

Thanks,
WRE
by Wannaretireearly
Fri Feb 03, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 5902

Re: Lexus PreCollision Safety System (auto braking)

Got me thinking I should ensure my next Toyota/Lexus has this. And came across this where all Toyotas/Lexus will have auto braking by end of this year: http://fortune.com/2016/03/22/toyota-auto-braking-models/ http://www.autonews.com/article/20160321/OEM11/160329991/toyota-gets-head-start-on-making-...
by Wannaretireearly
Thu Feb 02, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 23
Views: 2739

Re: Best courses and books on negotiation

I like: Secrets of Power Negotiating, by Roger Dawson Not only will it teach you negotiation skills, it will also teach you to recognize when people use these skills against you. https://www.amazon.com/s/ref=nb_sb_ss_c_2_28?url=search-alias%3Dstripbooks&field-keywords=secrets+of+power+negotiating&s...
by Wannaretireearly
Fri Jan 27, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 23
Views: 2739

Re: Best courses and books on negotiation

I like: Secrets of Power Negotiating, by Roger Dawson Not only will it teach you negotiation skills, it will also teach you to recognize when people use these skills against you. https://www.amazon.com/s/ref=nb_sb_ss_c_2_28?url=search-alias%3Dstripbooks&field-keywords=secrets+of+power+negotiating&s...
by Wannaretireearly
Fri Jan 27, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 23
Views: 2739

Best courses and books on negotiation

I'm very interested in learning more about negotiation (for personal & professional development). I have questions along two lines: 1. Any recommended courses that folks have taken? why were they good? (Fee based, free, online or in person). I'm looking at this one from Stanford - and trying to get ...
by Wannaretireearly
Fri Jan 13, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 151
Views: 29140

Re: New SUV, $50G, Pilot/Highlander/Other

southbay wrote:I have owned a couple 4Runners. Great vehicle if you plan to actually go off road. The limited edition has lots of luxuries.
+ 1 for the 4runner. I see one in my future. California roads are like off-roading nowadays !!!
by Wannaretireearly
Sat Jan 07, 2017 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 37675

Re: Annual Vacation Budget

We spend a lot, but we go on vacation more than most and thankfully make more than most. Some vacations are pretty cheap- we did a 5 day backpacking trip for a couple hundred bucks. Others are not. A week in Belize for DW and I ran about $5K. The most expensive trip this year will be Japan. I shudd...
by Wannaretireearly
Tue Dec 20, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase (or lease) regrets?
Replies: 8
Views: 1579

Car purchase (or lease) regrets?

Started thinking about this tangent after my other recent post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=205525 I have owned 3 cars, only really regret one: 2001 VW Jetta GL - REGRET. Sold at 106k after 10 years. Not very bad, but many small/medium issues. Became tedious - sold it the da...
by Wannaretireearly
Fri Dec 16, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 43
Views: 15684

Re: 4runner vs. Highlander?

Wow, so many great responses!! Thank you & keep em coming :sharebeer
The 4runner does tug at the heartstrings. And maybe tempt me more to make trips like Mt Shasta!
by Wannaretireearly
Thu Dec 15, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 43
Views: 15684

4runner vs. Highlander?

Checked out both today and continued to fall for the 4runner... 1. Rugged looks 2. Seems to be safer overall? E.g. better traction in rain/snow? 3. Ruggedness helps with occasional offroading & cali roads :) 4. More interior space 5. Both have third rows I haven't test driven them yet. I'm just look...
by Wannaretireearly
Wed Nov 16, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 plans and any changes in AA approach?
Replies: 3
Views: 891

2018 plans and any changes in AA approach?

I'm going to make this actionable & specific. Will any of the discussions (not even policy changes) around protectionist policies have a positive or negative impact on Foreign Stocks in 2018, and upcoming years? Perhaps its more nuanced & country based, but I'd like to hear thoughts on Foreign stock...
by Wannaretireearly
Tue Sep 27, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 8175

Re: Reason NOT to wait past 66 to take Social Security

I think it was Jonathan Clements...perhaps someone else...who said it this way: The breakeven at age 82 or 83 isn't the point. If you take SS at 70 and fail to reach the breakeven age, that's worse than taking it at 66 and making it way past the breakeven age. This is not just an equation about get...
by Wannaretireearly
Tue Sep 27, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 8175

Re: Reason NOT to wait past 66 to take Social Security

... combined SS will be $3400.00/month at FRA (66) ... every male in my family (seemingly) dies at approximately 80 years of age ... OK ... the calculation should only be between 66 years of age and 70 years of age, when I must begin to take my Social Security. Fine. That still means I did not spen...
by Wannaretireearly
Mon Sep 26, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 45
Views: 8198

Re: has anyone leased a luxury/sport car to get it out of their system?

Our neighbor leased a shiny red sports car in his 30s when he was single and did not like getting pulled over as much as he was. He didn't appear to do anything wrong as a driver but sports cars (especially red) catch the eye of the police, too. I think this gets overstated. The vast majority of tr...
by Wannaretireearly
Sat Sep 17, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 12998

Re: Did you have a Mid Life Crisis?

I had some heath concerns in there too, which probably accelerated/extenuated my mid-life crisis as well. They are resolved, so my need to go crazy has eased a little. 1) Spent a couple years dating women 1/2 my age. Sometimes more than one at a time. While it is fun being 42 and dating an 18 year ...
by Wannaretireearly
Tue Jul 05, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: TRD's, Asset Allocation & a bit of frustration!
Replies: 5
Views: 876

Re: TRD's, Asset Allocation & a bit of frustration!

Thanks for the responses! Sorry for the delay with responding. I like the idea of the Vanguard LifeStrategy growth fund (VASGX. AA: 80/20). But I don't think its an option in my 401k. Probably will just move from TRD 2045 to TRD 2035, as suggested. Let me know when there is a RGD (good day) to make ...
by Wannaretireearly
Fri Jul 01, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: TRD's, Asset Allocation & a bit of frustration!
Replies: 5
Views: 876

TRD's, Asset Allocation & a bit of frustration!

Hope this doesn't become rambling, I'm essentially trying to figure out the best TRD fund (or approach) for me. I'm currently all in with Vanguard TRD 2045 for all 401k accounts (his and hers). 1. For the purposes of this post, assume I don't have any other funds. i.e. the TRD fund would be the same...
by Wannaretireearly
Thu Jun 02, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 4310

Re: I like my CA long term tax exempt fund! (VCLAX)

malabargold wrote:Bond fund that holds 8% junk, state with massive
/insurmountable obligations, and a rising interest rate future.
Hey, what's not to love, right?
Like bending down to pick up a quarter in front of a steamroller?
Thanks Malabargold ;) appreciate your honestly.
What bond approach would you choose?
by Wannaretireearly
Thu Jun 02, 2016 12:59 am
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 4310

Re: I like my CA long term tax exempt fund! (VCLAX)

Chx: just sayin' in the context I used it was a phrase used to diffuse any ill feelings caused by the preceded remark. Second meaning here: http://www.urbandictionary.com/define.php?term=just%20sayin%27 Chinook: your meaning is closer to the first definition above. Not what I meant in my context tho...