Search found 302 matches

by DoubleComma
Thu May 13, 2021 8:19 pm
Forum: Personal Consumer Issues
Topic: Hotels/Inn Midweek Getaway to Central Coast CA Recommendations
Replies: 4
Views: 516

Re: Hotels/Inn Midweek Getaway to Central Coast CA Recommendations

We live in the area, little more inland towards SLO, but when people come to visit they frequently stay at the beach. Based on that here is where I suggest you look. https://www.pismolighthousesuites.com/ https://www.avilalighthousesuites.com/ https://www.sandcastlehotelonthebeach.com/ https://www.t...
by DoubleComma
Thu May 13, 2021 6:27 pm
Forum: Personal Consumer Issues
Topic: School districts and reassignments
Replies: 41
Views: 2745

Re: School districts and reassignments

The one caveat I have to just accepting the reassignment, is I would expect the school to validate that everyone enrolling in Kinder at School A actually lives in School A's boundary and are entitled to be there. As mention up thread, my brother had this issue with his local school. What he was abl...
by DoubleComma
Thu May 13, 2021 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Collecting on long-term care insurance
Replies: 15
Views: 1070

Re: Collecting on long-term care insurance

Depends on the policy. My parents covered $5/month for 36 months. You couldn’t start/stop it and if you only had $2.5k in expenses that is all that was reimbursed so you lost $2.5k of the benefit that month, it wasn’t added to the end or another month. Because of this, as a family, we self insured ...
by DoubleComma
Thu May 13, 2021 4:25 pm
Forum: Personal Consumer Issues
Topic: Summer Couples Vacation Spots
Replies: 24
Views: 2005

Re: Summer Couples Vacation Spots

Hilton Head

So much to do there, has great beaches, and close enough for day trip to Savanah and maybe Charleston if you want to mix it up a little.
by DoubleComma
Thu May 13, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: School districts and reassignments
Replies: 41
Views: 2745

Re: School districts and reassignments

- A and B are of equal quality on objective ratings, for what they are worth. - We prefer A's curriculum as it would allow our daughter to continue a particular interest of hers. - District provides a convenient bus from our neighborhood to A. - District will not provide a bus from our neighborhood...
by DoubleComma
Thu May 13, 2021 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Collecting on long-term care insurance
Replies: 15
Views: 1070

Re: Collecting on long-term care insurance

Depends on the policy. My parents covered $5/month for 36 months. You couldn’t start/stop it and if you only had $2.5k in expenses that is all that was reimbursed so you lost $2.5k of the benefit that month, it wasn’t added to the end or another month. Because of this, as a family, we self insured u...
by DoubleComma
Thu May 13, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Moving without job
Replies: 23
Views: 1871

Re: Moving without job

With a year of expenses saved, equity about to be released from you current home once sold and additional housing saving I would go as soon as the bonus was delivered. Sure it would be great to have jobs lined up in advance, but you are well insulated for at least a year. My experience is it’s very ...
by DoubleComma
Wed May 12, 2021 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you budget for a typical wedding?
Replies: 136
Views: 8373

Re: How much would you budget for a typical wedding?

I’d say $25k in today dollars for a typical, modest, ceremony and reception. If you want to include rehearsal dinners, honeymoon, etc it could balloon to an unfathomable amount. Secondly if you tell your child her $25k, anything beyond is on you, and they are anything but appreciative and grateful I...
by DoubleComma
Wed May 12, 2021 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mother is looking to refinance and asking me to co-sign
Replies: 125
Views: 6929

Re: Mother is looking to refinance and asking me to co-sign

I don't know what you should do but I can tell you what I would do. Buy the house myself and rent it back to her. The equity should help her pay the rent, and if she can't swing market value rent I will take what she can afford. And I'm not doing that because it's financially smart, but because she...
by DoubleComma
Wed May 12, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: how to get rid of junk mail for my mother
Replies: 42
Views: 2524

Re: how to get rid of junk mail for my mother

You can never fully eliminate junk mail, but we have been able to significantly reduce it with each move. The steps are simple... 1) Do NOT submit a change of address to the USPS. 2) Directly contact the handful of business that need you forwarding address and provide it. I’m referring to places lik...
by DoubleComma
Wed May 12, 2021 8:26 am
Forum: Personal Consumer Issues
Topic: School districts and reassignments
Replies: 41
Views: 2745

Re: School districts and reassignments

If this is CA, they must provide transportation if the district is moving you from your neighborhood zones school to another due to the zones school not having capacity or similar reason. Second, there are some very specific the district must follow if they are doing this. My brother’s family was im...
by DoubleComma
Tue May 11, 2021 11:41 pm
Forum: Personal Consumer Issues
Topic: [Looking For Activities In Charleston, SC]
Replies: 14
Views: 1167

Re: Charleston, SC

We spent a week in Charleston a few years ago during spring break. Weather was fantastic then. We had a great time spending a day a Folly Beach. The kids (as did DW & I) search for shark teeth. A visit to Fort Sumter would be on our short list as well. Of course just exploring the city was fanta...
by DoubleComma
Tue May 11, 2021 9:42 pm
Forum: Personal Consumer Issues
Topic: Cuban Cigars in Costa Rica?
Replies: 2
Views: 412

Re: Cuban Cigars in Costa Rica?

I’m certain you can find something in Tamarindo, but no recommendations. I will say we took a family trip to Guanacaste (Playa Conchal) summer of 2019 and absolutely loved it. I’ve been all over this world and not to many international locations would I want to make repeated trips opposed to seeing ...
by DoubleComma
Tue May 11, 2021 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan Refinance - What can I do to get a better offer?
Replies: 16
Views: 1159

Re: Car Loan Refinance - What can I do to get a better offer?

I wouldn’t hassle with it at all. The rate, term, balance isn’t enough I would attempt to arbitrage.

The benefit to auto refinance is quite small.

Personally I would pay it off and redirect the payment to my taxable account following the same asset allocation currently in play, but that’s me.
by DoubleComma
Tue May 11, 2021 4:00 pm
Forum: Personal Investments
Topic: Advice on Funding Assisted Living
Replies: 28
Views: 1391

Re: Advice on Funding Assisted Living

You do not mention the cost of the Assisted Living, but my mom was in one, so I can guess. Will her husband's SS be more than hers? Be sure to check on her survivor's benefits, SS might automatically switch her, I don't know. Was her husband a Veteran? She might be eligible for spouse Aid and Atten...
by DoubleComma
Mon May 10, 2021 9:36 pm
Forum: Personal Investments
Topic: [401k Rate Of Return]
Replies: 5
Views: 499

Re: 401K interest rate

Yes, very unusual, but mine is 39.18% in the past 12 months. The Covid market decline in March combined with some large contributions I made made in March-June, it’s what happened. This is exactly why you stay the course, have an asset allocation and contribution plan you stick to through the market...
by DoubleComma
Mon May 10, 2021 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to contain Property Tax with extensive remodeling
Replies: 37
Views: 4035

Re: How to contain Property Tax with extensive remodeling

My experience in Santa Clara county was the increase to the prop 13 basis was equal to the cost of the project. Although the work increased the potential resale, assessment was original prop 13 assessed value + cost of the project. Curious what Bay Area county your friend is in. I’ve see Marin do s...
by DoubleComma
Mon May 10, 2021 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cheaper house and private school or more expensive house and public school?
Replies: 35
Views: 2508

Re: Cheaper house and private school or more expensive house and public school?

Your last thought is my thought. My experience is the more expensive home in a better school district will likely appreciate faster than the less expensive school, so you will get your money back plus some and your kids should get a good education at no additional cost. Also suggest considering who ...
by DoubleComma
Sat May 08, 2021 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to contain Property Tax with extensive remodeling
Replies: 37
Views: 4035

Re: How to contain Property Tax with extensive remodeling

My experience in Santa Clara county was the increase to the prop 13 basis was equal to the cost of the project. Although the work increased the potential resale, assessment was original prop 13 assessed value + cost of the project. Curious what Bay Area county your friend is in. I’ve see Marin do so...
by DoubleComma
Fri May 07, 2021 6:53 pm
Forum: Personal Consumer Issues
Topic: Do you still read the print newspaper?
Replies: 84
Views: 3194

Re: Do you still read the print newspaper?

Digital only.

I still maintain 2 different digital subscriptions.
by DoubleComma
Fri May 07, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: Country Club
Replies: 56
Views: 4963

Re: Country Club

Thank you for this very timely thread. Replace golf with boat and I'm in the same quandry :) Would also tamp down the burning desire to add a pool to my backyard! I’d be careful thinking one will tamp down the other. When we built our first pool my wife and I we debating boat vs pool...pool won. 15...
by DoubleComma
Wed May 05, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house as part of estate planning
Replies: 28
Views: 1681

Re: Selling house as part of estate planning

The "somebody" who is going to inherit the house gets free money. And the "burden" of selling a house can be limited to hiring a company to deal with it. Admittedly at a cost, but then again what is left is free money. This happened in my family several times, and each time we d...
by DoubleComma
Wed May 05, 2021 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Need a retirement focused mother's day present for wife!
Replies: 39
Views: 2174

Re: Need a retirement focused mother's day present for wife!

Do you golf? Does she golf? I've golfed for years, it has always been "my time" but more recently my wife has started to indicate she would like to play as well. I was a bit reluctant initially, then I saw the light. If she golfs, that is something "we" can do together in retirem...
by DoubleComma
Wed May 05, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: Alternatives to Hayward/Goldline Pool Automation?
Replies: 14
Views: 866

Re: Alternatives to Hayward/Goldline Pool Automation?

This is definitely a topic for TroubleFreePools. That said, I’ve built 3 pools. 1) couldn’t afford all the automation so we had manual controls it worked well. 2) A couple years later we moved, had a little more cash, and built what we though was the pool of our dreams with spitters, waterfalls, led...
by DoubleComma
Tue May 04, 2021 10:32 pm
Forum: Personal Consumer Issues
Topic: Ca Expats- do you love your new home?
Replies: 76
Views: 7881

Re: Ca Expats- do you love your new home?

My biggest concern with CA is the drought and wildfires (and consequent air quality issues). Last year was bad and this year isn't looking good given the lack of rain. The lack of rain also seems to cause bad air quality where I live (Sacramento area). This concern is much bigger than CA. The entir...
by DoubleComma
Mon May 03, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: Silicon valley home insurance increase from $1400->$2200, sounds right?!
Replies: 16
Views: 1466

Re: Silicon valley home insurance increase from $1400->$2200, sounds right?!

I have two CA homes, one is only 5 years old and that premium has been flat each year. It's not in a high risk or high brush area and considering the type of construction (stucco, tile roof, with sprinkler system, etc) Nationwide hasn't done much to the premium. The second house however; is smaller ...
by DoubleComma
Sun May 02, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: What is your high school graduate going to be doing?
Replies: 69
Views: 5686

Re: What is your high school graduate going to be doing?

[quote=MarkBarb post_id=5980026 time=1619879075 user_id If any of our children wanted the life broadening experience of a degree in the liberal arts or humanities, I would have suggested that they couple that with the life broadening experience of working their way through college to give them some ...
by DoubleComma
Sun May 02, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: What is your high school graduate going to be doing?
Replies: 69
Views: 5686

Re: What is your high school graduate going to be doing?

My child just committed to Stanford yesterday. It was a tough choice over Harvard but we thought for computer science, it was the right choice. Stanford is on the other side of the country for us and it’s hard to see your child go so far away. Not to many get to make that choice congratulations.
by DoubleComma
Sat May 01, 2021 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Well issues in California
Replies: 6
Views: 796

Re: Well issues in California

Definitely not an expert here. Water in CA is very complicated. However I’m pretty sure, currently, anyone in CA is allowed to drill wells on the property they own and have artesian water rights for the water under them. What direction out of LA? If it’s heavy Agricultural area the huge concern is t...
by DoubleComma
Fri Apr 30, 2021 9:47 pm
Forum: Personal Investments
Topic: Roth 401K Strategy
Replies: 9
Views: 1320

Re: Roth 401K Strategy

I think you are saying you max both a Traditional 401k and Roth IRA. Otherwise, the limit on a Roth 401k and Traditional 401k is combined at $19.5k or $26k for those over 50 y/o. The OP's questions appears to simply be about a Roth 401k strategy. I max out the Roth 401k via the mega backdoor as wel...
by DoubleComma
Fri Apr 30, 2021 9:42 pm
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2397

Re: Buying land in subdivision, but build house from scratch

An HOA that prohibits parking on the street. No way. This is actually one of my favorite rules in our HOA. It keeps our streets from being riddled with tons of parked cars and makes it easier to drive around and through (and easier access for emergency vehicles). It's also easier to see kids playin...
by DoubleComma
Fri Apr 30, 2021 5:53 pm
Forum: Personal Investments
Topic: Roth 401K Strategy
Replies: 9
Views: 1320

Re: Roth 401K Strategy

My employer now offers a Roth 401K option, in addition to its standard tax deferred 401K option. I am approx. 3 yrs from retirement. My portfolio breakdown looks like this Tax deferred- 67% Tax Free (Roth) -6% Taxable- 27% Since the tax free portion of my portfolio is very small (6%) My thought was...
by DoubleComma
Fri Apr 30, 2021 5:46 pm
Forum: Personal Investments
Topic: Roth 401K Strategy
Replies: 9
Views: 1320

Re: Roth 401K Strategy

I max out both Roth and traditional as I am 15 years away from the retirement age and can't predict what my marginal tax rate will be. In your case it should be more predictable. If your income goes down in retirement (like it does for most people) then traditional makes more sense as you will have...
by DoubleComma
Fri Apr 30, 2021 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Nuances of Making an All-Cash Offer
Replies: 18
Views: 2007

Re: Nuances of Making an All-Cash Offer

I'm not sure if you intend NOT to have a mortgage or are thinking you could close in all cash and then do a cash out refi to recover some of that cash. If the latter, you should know that mortgage interest is NOT deductible on your Federal tax return in that situation. Deductibility is limited to $7...
by DoubleComma
Thu Apr 29, 2021 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Promotion opportunity - use it or lose it?
Replies: 41
Views: 4102

Re: Promotion opportunity - use it or lose it?

I currently have a role of low level manager in IT (few team leads report to me) and things are going good. Still know all the coding details, app architecture and so on. Low stress, great work life balance, money is flowing even to tax accounts after maxing out tax adv space - I estimate I need 10...
by DoubleComma
Thu Apr 29, 2021 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Potential addl job responsibilities - request more pay?
Replies: 16
Views: 1699

Re: Potential addl job responsibilities - request more pay?

As a manger I’ll offer another perspective. It’s so hard to get an incremental headcount approved if you get one you take it, even if there might be capacity existing on the team. The extra FTE does a few critical things; obviously it adds bandwidth to the entire team, it helps with everyone else’s ...
by DoubleComma
Thu Apr 29, 2021 3:05 pm
Forum: Personal Consumer Issues
Topic: Managing Apple ID's
Replies: 12
Views: 1571

Re: Managing Apple ID's

Is your contact list in iCloud or Outlook Exchange server? I have a similar challenge, but the contact list is driven from Exchange and the company considers those contacts theirs. So if at any point I lose access to the Exchange server, typically separation from employer, I lose those contacts. I'm...
by DoubleComma
Thu Apr 29, 2021 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow dilemma, sell brokerage funds vs reduce 401K contributions?
Replies: 28
Views: 1794

Re: Cash flow dilemma, sell brokerage funds vs reduce 401K contributions?

Record on paper or spreadsheet every single expenditure of money made by your household. Every. Single. Penny. Just like John D. Rockefeller did. Do this for 3 or 4 months, then sit down with your wife and honestly analyze spending to determine wants vs needs. Years ago, while DW and I were finding...
by DoubleComma
Thu Apr 29, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 99
Views: 7891

Re: Buying a new laptop

Another vote in the Apple camp. A couple months ago we replaced our 10+ year old iMac with new M1 MacBook Air 13". The iMac was still running fine, I did a RAM upgrade about 4 years ago that made a difference, but it finally reached end of OS Support and couldn't be upgraded any further and was...
by DoubleComma
Thu Apr 29, 2021 8:38 am
Forum: Personal Consumer Issues
Topic: Recommendations for a tailgate type gas grill?
Replies: 7
Views: 567

Re: Recommendations for a tailgate type gas grill?

Another vote for Weber Q.

We have a Q2200 and love it.
by DoubleComma
Wed Apr 28, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Promotion opportunity - use it or lose it?
Replies: 41
Views: 4102

Re: Promotion opportunity - use it or loose it?

If you are moving up to a manager of manager role and its only 10% difference in comp that would be highly unusual. Most company have a grade system and range with in a grade. A lateral move to a more strategic position, or potentially a team lead/supervisor, might be a promotion but still in the sa...
by DoubleComma
Wed Apr 28, 2021 3:52 pm
Forum: Personal Consumer Issues
Topic: Seat covers for a new car?
Replies: 13
Views: 735

Re: Seat covers for a new car?

oldfatguy wrote: Wed Apr 28, 2021 12:18 pm No personal experience, but I know that Katzkin is a popular product on some of the car forums I frequent.

https://katzkin.com/
Katzkin are of excellent fit and quality. Not inexpensive, but the best.
by DoubleComma
Tue Apr 27, 2021 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

To be clear I’m not in HR, but a member of the leadership team. ... However we find that folks don’t trust surveys are anonymous and in person discussion it’s very clear the feedback is guarded. ... It’s always amazing for me to read hear the utter lack of trust employees have for their employer. I...
by DoubleComma
Tue Apr 27, 2021 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

It’s always amazing for me to read hear the utter lack of trust employees have for their employer. It because others have been burned before. Your organization may be well run, but so many are not. I'm not surprised by employees lack of trust in their employers. Too many layoffs, reorgs, outsourced...
by DoubleComma
Tue Apr 27, 2021 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

As someone that's used exit interview information, it's helpful for retaining staff. Since you're retiring, it will probably more along the lines of signing any forms and turning stuff in. But, if someone is leaving the job to go somewhere else, it's nice to know why so that you can stay competitiv...
by DoubleComma
Tue Apr 27, 2021 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

The main reason exit interviews happen at all is to reduce corporate liability. The thinking, at least as explained to me by the corp lawyer when I complained that it was a complete waste of time, is the following: should the employee ever file a lawsuit alleging anything later, the fact that it wa...
by DoubleComma
Tue Apr 27, 2021 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

As someone that's used exit interview information, it's helpful for retaining staff. Since you're retiring, it will probably more along the lines of signing any forms and turning stuff in. But, if someone is leaving the job to go somewhere else, it's nice to know why so that you can stay competitiv...
by DoubleComma
Tue Apr 27, 2021 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

As someone that's used exit interview information, it's helpful for retaining staff. Since you're retiring, it will probably more along the lines of signing any forms and turning stuff in. But, if someone is leaving the job to go somewhere else, it's nice to know why so that you can stay competitiv...
by DoubleComma
Tue Apr 27, 2021 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7848

Re: Job Exit Interview

As someone that's used exit interview information, it's helpful for retaining staff. Since you're retiring, it will probably more along the lines of signing any forms and turning stuff in. But, if someone is leaving the job to go somewhere else, it's nice to know why so that you can stay competitiv...
by DoubleComma
Tue Apr 27, 2021 9:37 am
Forum: Personal Finance (Not Investing)
Topic: trapped in EJ by whole life insurance policy
Replies: 42
Views: 4171

Re: trapped in EJ by whole life insurance policy

Its a pretty rare day that a whole life surrender value has a taxable gain. Recall that gain has to be in excess of all the premiums paid in order to be a gain. Even if there was a gain it would be minimal. I had something similar. My dad bought be a WL policy when I was young and gave it to me what...