Search found 236 matches

by DoubleComma
Sat Apr 17, 2021 3:55 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 5
Views: 341

Re: Temp change in remote location - tell employer?

I move between locations frequently and never say anything.
by DoubleComma
Sat Apr 17, 2021 2:20 pm
Forum: Personal Consumer Issues
Topic: New car same price as 1 year old
Replies: 24
Views: 1959

Re: New car same price as 1 year old

We have found similarly when looking at used cars that are 1-2 years old, but not as much in the 3+ years old. Additionally I have a company car that is managed by one of the large fleet companies. My company car is rotated every 13 months, not because my company wants me to always have a new car bu...
by DoubleComma
Sat Apr 17, 2021 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Earthquake Insurance
Replies: 4
Views: 228

Re: Earthquake Insurance

Life long CA resident. Lived and owned house is SF Bay Area, Central Valley and Central Coast. Have never purchased earthquake insurance. My personal opinion is the value isn't there. Additionally my experience has been after massive earth quakes (Loma Prieta, Northridge, Coalinga) is FEMA makes ava...
by DoubleComma
Sat Apr 17, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Protective Coating on New Subaru?
Replies: 9
Views: 380

Re: Protective Coating on New Subaru?

Personally think its just a margin adder for the dealer and decline. Regularly washing and something between quarterly and twice annually waxing should be sufficient. If you really want a ceramic coating, all the mobile detailers do it in my area for a couple hundred bucks. As for the interior, I ha...
by DoubleComma
Fri Apr 16, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: replace front door; Home Depot?
Replies: 13
Views: 949

Re: replace front door; Home Depot?

We recently replaced our front door (double door). We looked at big box stores, didn’t love any. We ended up at a local door business that does a combination of custom and pre-fab order doors. In addition to the door I paid for their installation and very happy I did. The door frame had settled slig...
by DoubleComma
Wed Apr 14, 2021 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 68
Views: 4667

Re: How would you handle this? -- big utility company problem!

Finally, I got a technician to visit my house --- when I was at home! I gave the technician my cell phone number, and had him go outside to the meter. When he was at the meter, he called me. I had everything in the home turned off... and while he was watching the meter --- I turned on my gas firepl...
by DoubleComma
Tue Apr 13, 2021 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 68
Views: 4667

Re: How would you handle this? -- big utility company problem!

I had an issue with our gas company, Southern CA Edison, a couple years ago. I was super patient and polite, waited 9 months for resolution checking in every 4-6 weeks and finally had it. I did not lose it on anyone at the utility I simply went in line to California Public Utility Commission website...
by DoubleComma
Mon Apr 12, 2021 7:57 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3325

Re: Travel Trailer vs My Pickup Truck: Specs?

I have a travel trailer with about the same weight. When I got the trailer, I used to tow it with a V-8 F150. This was not enough truck for anything but freeway driving in flat areas. Throw in any back roads, any hills, any less than ideal conditions and things went south quickly. I upgraded the tr...
by DoubleComma
Mon Apr 12, 2021 7:36 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3325

Re: Travel Trailer vs My Pickup Truck: Specs?

My biggest concern has shifted to apparent unavailability of camp sites due to large increase in RV popularity throughout the country. This is worth truly investigating; its also worth thinking about your personal tendencies to plan or be spontaneous. We were a very active camping family. Started i...
by DoubleComma
Sun Apr 11, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10535

Re: In-Laws' HOA demanding $8000 lumpsum payment

I'll never understand why anyone would want to buy property under the thumb of an HOA. There are plenty of zoning rules, laws, and regulations out there already, can't imagine adding an HOA with a bunch of activist busy-body tyrants to the mix. Neighborhoods without HOA seem to be capable of functi...
by DoubleComma
Sun Apr 11, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 5201

Re: How much should I overpay?

Is it over paying if those prices are what the current market is selling for? In 20 years I can’t think of a meaningful reduction in SF Bay Area real estate. Even in the 2008 meltdown. I can remember several times where it cooled and there wasn’t multiple offers on every house, but not a significant...
by DoubleComma
Fri Apr 09, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Smoker recommendations? Meat, not Marlboro.
Replies: 31
Views: 2758

Re: Smoker recommendations? Meat, not Marlboro.

Wow, thanks for all the responses everyone! I've got some things to look through!! What's your budget? I was hoping to stay in the $300 ish range...but seeing some of these options...I'm wondering if that's feasible! What do you want to smoke? Long cooks like brisket? Sure! Chicken, chops, whatever...
by DoubleComma
Fri Apr 09, 2021 4:01 pm
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2525

Re: Gardening 2021

Zone 9 here. I have 8 4'x4' raised beds; but one is a dedicated strawberry bed so that rarely changes and I rotate another as unplanted each season, which is really to give my wife a bed to propagate her succulents I've had Tomato & Pepper transplants in the ground for 4 weeks. Tomatoes are look...
by DoubleComma
Thu Apr 08, 2021 7:10 pm
Forum: Personal Consumer Issues
Topic: Smoker recommendations? Meat, not Marlboro.
Replies: 31
Views: 2758

Re: Smoker recommendations? Meat, not Marlboro.

I enjoy managing the fire and temp manually, to me that’s part of the fun and the majority of the skill. Many just want to eat the results. What do you want? If you think you will enjoy managing the fire, experimenting with different lump charcoals and maybe some hard woods then the Weber Smokey Mou...
by DoubleComma
Thu Apr 08, 2021 7:03 pm
Forum: Personal Consumer Issues
Topic: How frequently should I water shrubs that were planted in late fall
Replies: 14
Views: 721

Re: How frequently should I water shrubs that were planted in late fall

I would check with your local nursery. To many variable to offer advice. Not sure plant type, soil type, ambient temp etc.
by DoubleComma
Thu Apr 08, 2021 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Leak under house, damage to floors, and insurance questions
Replies: 13
Views: 888

Re: Leak under house, damage to floors, and insurance questions

I think this is important... A close friend discovered a pinhole leak in a hot water line in the crawl space that created much of the same damage you describe. His insurance company declined the claim sighting that a burst pipe would be converted but a pin hole leak over time was a maintenance issue...
by DoubleComma
Thu Apr 08, 2021 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4276

Re: Tax bill split between spouses

OP - out of curiosity, why not adopt a hybrid joint/personal account strategy. DW and I did this for several years and it simplified a lot for us. Deposit 100% of joint earnings into a single account that pays for 100% of joint expenses. No need to establish a ratio, that created when the deposits a...
by DoubleComma
Tue Apr 06, 2021 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise?
Replies: 10
Views: 732

Re: Asking for a raise?

In your company are there compensation grades and are each position assigned to a grade? If so, make sure you have a solid grasp of ranges in those grades to ensure you asking for the right thing. It might be that you don’t need to ask for a salary adjustment; you need to show how you role has grow...
by DoubleComma
Tue Apr 06, 2021 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise?
Replies: 10
Views: 732

Re: Asking for a raise?

In your company are there compensation grades and are each position assigned to a grade? If so, make sure you have a solid grasp of ranges in those grades to ensure you asking for the right thing. It might be that you don’t need to ask for a salary adjustment; you need to show how you role has grown...
by DoubleComma
Tue Apr 06, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6688

Re: Family car

I’m looking to buy a family car to transport 5 people including two kids in car seats. My top contenders are Kia Telluride/ Hyundai Palisade. It’s killing me that I’m not only buying a gas guzzler, but about to drop $45k on it. I really thought my next car would be an electric car, but there aren’t...
by DoubleComma
Tue Apr 06, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: fire pit recommendations
Replies: 33
Views: 3355

Re: fire pit recommendations

Washing machine drum. I’ve made a couple of them and prefer drums from front loaders. They have a solid bottom with a heavy duty threaded axle shaft. I bolted it to two car rims and painted it black. I’ve also just laid them on fire proof paving tiles but the rims raised it up for better heat and a...
by DoubleComma
Sun Apr 04, 2021 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Bay Area
Replies: 57
Views: 4556

Re: Buying a house in Bay Area

I get that Bay Area real estate has become very polarizing for many people. Lots of firm don’t do it opinions, warning that the bubbles going to burst, etc etc etc. We no longer live in the Bay Area, but did for years. Our first home was bought in Almaden (purchased Dec 2001). In the time we lived i...
by DoubleComma
Sat Apr 03, 2021 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Children age that would benefit from stay at home parent
Replies: 4
Views: 633

Re: Children age that would benefit from stay at home parent

IMO, having a parent at home through middle school and early high school is the most beneficial for the kids. I’m sure their is value at all ages, but in our family we can see clearly just how much value there is for someone to be home during the 12-15 age range. These are very challenging years for...
by DoubleComma
Sat Apr 03, 2021 11:27 am
Forum: Personal Consumer Issues
Topic: Landscape design plans
Replies: 12
Views: 1092

Re: Landscape design plans

I’ve done this twice in last couple years, one for the front and a second for the back. Both times I used local master gardners that I found through the local gardening clubs online. I paid $150/hr each time and both plans took about 3 hours to create. In the end I received a printed and digital pla...
by DoubleComma
Thu Apr 01, 2021 11:15 am
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6688

Re: Family car

I’m looking to buy a family car to transport 5 people including two kids in car seats. My top contenders are Kia Telluride/ Hyundai Palisade. It’s killing me that I’m not only buying a gas guzzler, but about to drop $45k on it. I really thought my next car would be an electric car, but there aren’t...
by DoubleComma
Thu Apr 01, 2021 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Home Sellers Dilemma re Agent
Replies: 24
Views: 2164

Re: Home Sellers Dilemma re Agent

We have bought and sold several homes. Twice without agents but serval times with an agent. Each time using an agent I’ve structured it the same way. With all commission is split between agents... Traditional two agent sale 5% My agent represents both sides 4% I find the buyer 3% Buying/Selling isn’...
by DoubleComma
Fri Mar 26, 2021 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust proposed for parent with early dementia
Replies: 18
Views: 2072

Re: Irrevocable trust proposed for parent with early dementia

Whether a Trust will meaningfully help preserve assets depends on the costs in your area, your dad’s dementia progression, your mom’s future ability as a caregiver, and the level of support your parents will need over the next 5 years and beyond. My experience with my parents (n=1) is that an irrev...
by DoubleComma
Fri Mar 26, 2021 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2627

Re: Owners Title Ins., purchasing property from Judge

I know on every property I have owned and current still own the lenders title insurance policy is a separate and unique policy from the owners policy. Lenders policy only last as long as that loan is active. Pay it off or refi and the previous policy is no longer valid. Owners policy remains in forc...
by DoubleComma
Thu Mar 25, 2021 10:47 pm
Forum: Personal Consumer Issues
Topic: Digital persona - curating your online presence
Replies: 28
Views: 2077

Re: Digital persona - curating your online presence

I too have almost zero digital footprint. When Facebook first hit the scene I quickly surmised there was nothing there for me. I didn’t see why I wanted to see everyone’s “best” pseudo-life, nor did I want to share my daily activity with anyone else. So when Instagram, Twitter, Snapchat, etc etc etc...
by DoubleComma
Thu Mar 25, 2021 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2627

Re: Owners Title Ins., purchasing property from Judge

I have a owners title insurance policy on all my property. Some I bought, some were purchased by the seller, but I’m happy to have them and hope I never have to use it.
by DoubleComma
Thu Mar 25, 2021 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48229

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Annual Contributions/Savings: I max out my 403b and 457b for a total of $38k (low-cost Vanguard funds). I also contribute $11k/year toward a pension and $11k/year is going toward mortgage principal. We contribute a little bit toward a traditional IRA as well. The total savings are a bit over $60k/y...
by DoubleComma
Wed Mar 24, 2021 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48229

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Annual Contributions/Savings: I max out my 403b and 457b for a total of $38k (low-cost Vanguard funds). I also contribute $11k/year toward a pension and $11k/year is going toward mortgage principal. We contribute a little bit toward a traditional IRA as well. The total savings are a bit over $60k/y...
by DoubleComma
Wed Mar 24, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: benefit of vaccination with kids at home
Replies: 26
Views: 1577

Re: benefit of vaccination with kids at home

There is no "right" answer to this question. Some folks are going to tell you traveling is a huge issues and those who travel are part of the problem. Others will say go right ahead and travel, the risk of serious infections are extremely low. In our family of 5, two are fully vaccinated, ...
by DoubleComma
Tue Mar 23, 2021 1:50 pm
Forum: Personal Investments
Topic: When do I pay taxes on Stock Bonus?
Replies: 8
Views: 653

Re: When do I pay taxes on Stock Bonus?

In my current company, and previous, the dollar amount of the grant was only relevant to determine how many shares you were being granted. At vesting the value of the grant is simply current share price times the number of shares granted. Then at vesting the custodian of the plan will automatically ...
by DoubleComma
Tue Mar 23, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase and Realtor Bidding Advice
Replies: 22
Views: 1885

Re: Home Purchase and Realtor Bidding Advice

Totally understand your frustration, it comes with the territory when you are trying to buy in an heated (or overheated) market. I've bought several homes, two times in a very heated markets. I've always used the same philosophy when making offers, I simply offered what the home is worth to my wife ...
by DoubleComma
Mon Mar 22, 2021 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred compensation packages for self employed
Replies: 4
Views: 409

Re: Deferred compensation packages for self employed

I don’t see how this would work. In a non-qualified deferred Comp plan there isn’t really anything invested like with a 401k or the like. Rather it’s essentially a loan back to the employer. The reason you make the loan is a reduction in taxable income, typically some incentive like a match and appr...
by DoubleComma
Mon Mar 22, 2021 10:30 pm
Forum: Personal Consumer Issues
Topic: Insurance will cover half the roof, how to get quotes for comparison and possibly switch insurance company
Replies: 5
Views: 831

Re: Insurance will cover half the roof, how to get quotes for comparison and possibly switch insurance company

Roofers deal with this, they know how to manage it. Request a quote for the entire roof as well as a second quote for the areas insurance is concerning. As for question #2, catastrophic home insurance doesn’t really exist, so what you do is raise your deductible to the point that you would call some...
by DoubleComma
Sat Mar 20, 2021 9:36 am
Forum: Personal Investments
Topic: Fisher is Contacting Me?
Replies: 24
Views: 2341

Re: Fisher is Contacting Me?

The reality is that they all put clients into high fee and inappropriate products and suck out what money they can before people wise up. I am not advocating Fisher, and can only speak from what I see of Fisher through my parents, who are clients. In my experience Fisher does NOT put clients into h...
by DoubleComma
Sat Mar 20, 2021 9:24 am
Forum: Personal Investments
Topic: Fisher is Contacting Me?
Replies: 24
Views: 2341

Re: Fisher is Contacting Me?

My parents are Fisher clients, couldn’t be happier. I’ve done the math on what their AUM equates over time. It doesn’t matter to them at all. I’ve been with them to a couple of the Fisher client events. Always first class and a lot of personal attention. My parents want a dedicated person to talk to...
by DoubleComma
Thu Mar 18, 2021 1:13 pm
Forum: Personal Consumer Issues
Topic: Selling a new construction home - should I plant a yard
Replies: 24
Views: 1305

Re: Selling a new construction home - should I plant a yard

Not counting our Pool, I have $12k in the front yard and $9k in the back. We are on a 1/3 acre city lot, so not huge but not small. Homes in my area are about $750-$850k. Had someone put in landscaping that cost $3-$5k it would likely detract from the home's appeal. The house would certainly sell, t...
by DoubleComma
Wed Mar 17, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: Another laptop thread - value and photos
Replies: 28
Views: 1699

Re: Another laptop thread - value and photos

We just replaced our family computer with M1 512GB MacBook Air for $1149 from Costco. I'm pretty sure it was regular price of $1199 or $1249, there was a small sale when we bought it. We are a Apple Mac Family, although the kids are being pushed towards Chromebooks by their school, while my wife's d...
by DoubleComma
Wed Mar 17, 2021 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Business Travel Allowances
Replies: 13
Views: 790

Re: Business Travel Allowances

Guideline is $75/day ($15 Breakfast, $20 Lunch, $40 Dinner) Historically hotel allowance was our issue, $200 night (inclusive of tax). In many locations I traveled this was near impossible for the mid-level mega brand properties. Think Courtyard & Hilton Garden Inn type properties. Covid has cer...
by DoubleComma
Tue Mar 16, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Realtor requiring prospective buyers to get pre-approved by spouse's mortgage company
Replies: 33
Views: 3001

Re: Realtor requiring prospective buyers to get pre-approved by spouse's mortgage company

We have experienced this twice. 1) When we built our current home, semi-custom one builder neighborhood not fully custom on my own land, the builder required everyone to be prequalified through their mortgage company. There was an ownership stake by the builder in the mortgage banker, it was disclos...
by DoubleComma
Mon Mar 15, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Winter Trip
Replies: 6
Views: 533

Re: Preparing for a Winter Trip

Just returned from Mammoth, its already late in March and snowed 2' between Wed-Fri, when it was forecasted to snow just a few inches. Its hard to get the forecast right in the eastern sierra, so many variable when weather is coming over the range. After skiing Friday from the condo, we saw no less ...
by DoubleComma
Sun Mar 14, 2021 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: With the large number of posts on umbrella insurance ....and more and more posts on "becoming a nomad"...
Replies: 28
Views: 2448

Re: With the large number of posts on umbrella insurance ....and more and more posts on "becoming a nomad"...

There are a significant number of folks who travel full time in an RV with no “sticks & bricks” home. There are hundreds of Full Timer and RV Forums full of them. I can’t recall UI policy specifically being addressed, but I’m sure it has been. I do know one of the Dakotas has a program that allo...
by DoubleComma
Wed Mar 10, 2021 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7049

Re: Is it worth building your dream house?

Personally I don’t think there is such thing as a forever home, so if you believe the current dream home is a forever home I believe you will be disappointed at some point. If you accept that premise and can afford building today and maybe have to sell and move again when life happens then go right...
by DoubleComma
Wed Mar 10, 2021 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7049

Re: Is it worth building your dream house?

Personally I don’t think there is such thing as a forever home, so if you believe the current dream home is a forever home I believe you will be disappointed at some point. If you accept that premise and can afford building today and maybe have to sell and move again when life happens then go right ...
by DoubleComma
Tue Mar 09, 2021 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rent forever instead of buying a condo?
Replies: 19
Views: 1667

Re: Rent forever instead of buying a condo?

This is personal choice really. Some will say your better off renting while others will say the opposite. Personally my home is NOT an investment. Second, I paid my current home off entirely as fast as I could. I love having a paid for home. I love the improved cash flow by not having a mortgage. I’...
by DoubleComma
Tue Mar 09, 2021 7:08 pm
Forum: Personal Consumer Issues
Topic: Wife New Car - Used Market Non Ideal
Replies: 37
Views: 3006

Re: Wife New Car - Used Market Non Ideal

Agree with those who say an SUV does not provide more room. I went from a Honda Odyssey to a Nissan Armada...way more stuff can fit into the minivan and the overall size of the Armada felt like it was 2X. Add to that the Armada could only seat 7 and the van held 8 people. Of course I can tow 10,000...
by DoubleComma
Sat Mar 06, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16050

Re: Umbrella Policy; Anyone actually made a claim?

I think we pay about $400 for $2M, but our car and homeowners is at least $200 cheaper because we have the umbrella. I don’t understand this, can this be explained. My umbrella is $200 for $1m; but I had to raise my auto, home & boat limits to the max in order to buy the umbrella. So I would sa...