Search found 1276 matches

by tyrion
Tue Jan 26, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Solar panel recent developments
Replies: 12
Views: 1819

Re: Solar panel recent developments

Thought I would post this here for anyone who is considering getting solar panels. I’ve had my Tesla panels active on my roof for two months now, and the production is virtually identical to what the PVWatts calculator estimated. It also looks like there is a new “Solar Renewable Energy Credit” off...
by tyrion
Mon Dec 28, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Chains needed?
Replies: 63
Views: 3684

Re: Chains needed?

We have a 2010 highlander hybrid and bought chains for it. While we live in southern California we have a family cabin in the mountains. The highlander hybrid (HH) is not really AWD. It powers the front wheels with the engine and electric motors, and the back wheels are driven at low speeds (I think...
by tyrion
Tue Dec 15, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Proposal
Replies: 46
Views: 3601

Re: Solar Panel Proposal

You dont want excess as the utility pays squat for it. My system was installed by my builder and they gave me a 20 year pre paid lease as an incentive in 2015. In CA PG&E was paying only 2 cents per kwh for my excess so I have been working hard to use up my excess. Added a garage freezer to min...
by tyrion
Tue Dec 08, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5173

Re: $100 Cash for Teachers - Issues?

My wife is a teacher and receives a variety of holiday gifts. All are welcomed and appreciated. Some are heartfelt - letters, home made ornaments, cookies, candles, etc. Some are gift cards. Occasionally cash but not too often. Some of the gift cards are hard to use if we don't commonly use the reta...
by tyrion
Sat Dec 05, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Restaurant take out during the pandemic?
Replies: 93
Views: 7364

Re: Restaurant take out during the pandemic?

We try to order something from one of our favorite restaurants once a week or so. Our thinking is that once this is all over we'd like our top places to still be in business. Plus it's nice to get a break from always cooking. We have adapted our orders so we get food that travels well and reheats we...
by tyrion
Thu Nov 12, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender with DSL
Replies: 15
Views: 813

Re: WiFi Extender with DSL

When we moved we went with the standard cable-provided 'panoramic' modem. It was mostly adequate except at the far reaches of the house. Then we ordered a wifi extender that plugged into the cable box at the other end of the house. That helped but sometimes the handoffs when you moved between device...
by tyrion
Thu Nov 12, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Costco Holiday Deals - Laptop
Replies: 4
Views: 960

Re: Costco Holiday Deals - Laptop

We have purchased 3 laptops from Costco in the past 6 months with specs in that range. A few observations: Get a SSD hard drive. Faster, less prone to deteriorating sectors, more energy efficient Costco seems to cycle through which models are on sale on a weekly or biweekly basis. Got your heart set...
by tyrion
Wed Nov 11, 2020 1:19 pm
Forum: Personal Investments
Topic: Can I retire at 49
Replies: 192
Views: 17476

Re: Can I retire at 49

Am thinking about retiring after 28 year career in IT after many years of saving with goal of retiring early due to demanding career. Am 49 years old. Married. DW is 49 also 2 kids ages 16 and 14 DW is retired now from being a physician. Has small side tutoring job at $10k income per year. Assets i...
by tyrion
Wed Oct 14, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: PV Solar - quote
Replies: 13
Views: 721

Re: PV Solar - quote

With a sub-$100 monthly bill, a roof that will need to be replaced within 10-15 years, and potential to move I honestly wouldn't bother with solar. If you do want to proceed for whatever reason, yes to Tesla and EnergySage and get a bunch of quotes. The one you have is very underwhelming and I don't...
by tyrion
Thu Oct 08, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Proposal
Replies: 46
Views: 3601

Re: Solar Panel Proposal

I just finished installing a slightly smaller (6.5KW) system in California. Some observations Get at least 3 quotes. I would check Tesla pricing. They are the cheapest per Watt these days. I went with someone else since we needed roofing done - complicated install. Everyone I talked to said microinv...
by tyrion
Mon Oct 05, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay down bad debt [minimize loss on a car loan]
Replies: 50
Views: 3336

Re: How to minimize loss on a car loan

So you have decided to get rid of the car. You got a quote from carmax for 27k. You got one nibble on craigslist for less than that.

You could try other online services - carvana comes to mind. Then pick the best price, sell it, and move on with life.
by tyrion
Tue Sep 29, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a lake house with my parents
Replies: 37
Views: 3716

Re: Purchasing a lake house with my parents

It would be cleaner if your parents would gift you the money as an early inheritance. They would then file a gift tax form (I forget exactly which one, but it comes out of their lifetime exemption). You buy the house and let them use it under some arrangement. They can contribute to taxes/maintenanc...
by tyrion
Mon Sep 28, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 86
Views: 5385

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

We have 4 cars and with both of us working from home they haven't been driven a whole lot. We will have a new driver soon, and one of the cars is a low mileage (possibly collectible) convertible so we're not interested in selling any at this point. Strangely enough the regular cars have been fine be...
by tyrion
Fri Sep 25, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 106
Views: 7419

Re: What's your favorite reasonably priced gin?

Tanqueray for a gin & tonic. Beefeater for a martini. Both great tasting and reasonably priced. After the first drink it doesn’t matter anyway :P You know what they say about martini's right? One martini is all right. Two are too many, and three are not enough. My current favorite is something ...
by tyrion
Wed Sep 23, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 800

Re: Advice: Solar credit when home is sold

I was curious and tried looking through the IRS guidance. I couldn't find anything that would exclude taking the tax credit if you sold the house prior to the end of the year. There was no requirement (that I could find) that you occupy the home at the end of the year. I guess you should really ask ...
by tyrion
Wed Sep 23, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16848

Re: A simpler car.

I had a 2005 Accord that I’m ought new. It was a fantastically good car. And it had lots of airbags, and ESC. I wouldn’t own a car now that doesn’t have ESC. Anyhow, I did reluctantly sell it. I wasn’t comfortable driving it at night anymore because the headlights just didn’t cut it compared to HiD...
by tyrion
Wed Sep 23, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16848

Re: A simpler car.

I bought a 2005 Acura TSX last year. I wanted a stick shift simple car and didn't feel like spending money to buy a new one. Plus it's hard to find manual transmission cars these days. The 2005 TSX is a nice combination of simple (non-turbo engine that Honda has made for years), safe (full airbags a...
by tyrion
Tue Sep 22, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 7101

Re: Solar - after 1 year the results are in.

.... It's really crazy to me that Hawaii, where electricity can be 50 cents / kWh, isn't 100% solar right now. Burning diesel to make electricity there seems insane. People have this crazy habit of wanting to turn their lights on at night. And run their fans and tvs and even A/C (at least in large ...
by tyrion
Tue Sep 22, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 7101

Re: Solar - after 1 year the results are in.

Our cheapest super-off-peak during summer is 19 cents/KWh. 23 off peak. 43 peak (4-9pm). And that's for baseline usage, add about 7 cents/KWh if you use more than 130% of the 'baseline' which basically covers lights and a fridge. If you want to lower your peak rate there's a special plan where you ...
by tyrion
Tue Sep 22, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 7101

Re: Solar - after 1 year the results are in.

However, the payback period in our area is 20+ years since we have some of the cheapest grid power in the nation at about 8 cents / kWh That's what I thought too with our 8¢/kWh standard rate, but then I noticed the time-of-use rates. Only summer on-peak rates were higher than the standard rate, an...
by tyrion
Fri Sep 18, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 50
Views: 4879

Re: Elder abuse? Elderly woman sold home for far less than market value

I find it odd that so many people are coming up with scenarios to validate this transaction. Sure, it could be legitimate. But what's the harm in alerting authorities if you think something fishy is going on? If there's a good reason why grandma sold the house for way less than market value then the...
by tyrion
Fri Sep 18, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I help my mother pay off debt?
Replies: 31
Views: 2251

Re: Should I help my mother pay off debt?

Your wife’s opinion will matter here more than anything, especially since I presume the inheritance was from her side. Maybe you can convince your mother to let you pay off $30K plus whatever interest that portion has accrued; keeps this equal between siblings at $10K each which could help her prid...
by tyrion
Thu Sep 17, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Cost of Propane Air Conditioning on House
Replies: 12
Views: 960

Re: Cost of Propane Air Conditioning on House

You didn't ask this, but in SCE territory and at that elevation I would look into Tesla Powerwalls if you go the solar route. At that elevation you are likely rural and at risk of electrical shutdown to prevent potential wildfires. I believe SCE still has SGIP funds available, along with the 26% fed...
by tyrion
Wed Sep 16, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14208

Re: Is this guy trying to scam me on a car I'm selling?

To keep things straight lets call the original scammer, scammer #1. Now I have scammer #2 as my conversation with him follows. Note that he is ok with cash now. His replies in italics. Thank you for the photos and information. I have a budget of $12,000 but I really like the car and am willing to g...
by tyrion
Wed Sep 16, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14208

Re: Is this guy trying to scam me on a car I'm selling?

To keep things straight lets call the original scammer, scammer #1. Now I have scammer #2 as my conversation with him follows. Note that he is ok with cash now. His replies in italics. Thank you for the photos and information. I have a budget of $12,000 but I really like the car and am willing to g...
by tyrion
Mon Sep 07, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4898

Re: Need some advice for buying my first flat screen TV.

If you're a Costco member I would go check out what they have. The pricing will be competitive, they usually have a 'TV person' wandering around the electronics area who knows the features and brands, and the return policy is excellent.
by tyrion
Fri Aug 28, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 7066

Re: Any car enthusiasts? (or soon to be)

I'm contemplating a 95 Mercedes E320 convertible. Anyone have idea on what it is going to take to keep that running? Or a 60's mustang. That I know I can work on. I have a 98 SL500 convertible that I inherited a bit more than a year ago. Hasn't had any problems other than the headliner needing to b...
by tyrion
Tue Aug 25, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Finding balance in life: When do you let up off the gas?
Replies: 105
Views: 9870

Re: Finding balance in life: When do you let up off the gas?

Look up the concept of consumption smoothing. At your current trajectory you are going to save a bunch on money and then..... what? You will feel bad spending it. Rather than enjoying (and obsessing over) your savings rate and converting everything to a monetary metric you need to try to find some m...
by tyrion
Tue Aug 25, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Solar Panels - Questions About Older Roof
Replies: 11
Views: 1197

Re: Solar Panels - Questions About Older Roof

I have a similar roof - probably 20-25 years old (we bought the house a few years ago) but never any leaks and it's great for shedding heat. The house stays cool with AC most of the time, even in 90 degree weather. Then we run a whole house fan at night. Above 90 we run the AC in the afternoons. It'...
by tyrion
Mon Aug 24, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 2 Years Later (Updated)
Replies: 90
Views: 15892

Re: Solar Installation - 1 Year Later (Updated)

OP how long did installation take, from contract signing to install completion? I’m trying to assess how much lead time I need to budget for. Thanks! I'm going through the process now. 4 weeks in. I was told to realistically expect 3 months. Demand is high due to 26% rebate decreasing to 22% at the...
by tyrion
Sun Aug 23, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 46
Views: 6605

Re: Free powerwall worth it?

I'm in the process of getting 2 Powerwalls installed along with a similar (6.5KW) solar setup. SDG&E territory. There is a significant SGIP rebate from the state, but it is not guaranteed and definitely does not cover the full cost. If purchased along with solar the powerwalls are eligible for t...
by tyrion
Wed Aug 19, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 9255

Re: A primer on backup battery systems for power outages

This was a very interesting read, thanks for putting it together Will. I'm reminded of 10ish years back when I was considering building an electric bike. The parts were all there - motors, batteries, controllers, etc - but it required quite a bit of knowledge to do it yourself. You had to buy the ri...
by tyrion
Tue Aug 18, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Discount vs. full-price realtor
Replies: 126
Views: 5897

Re: Discount vs. full-price realtor

I'll admit I didn't read all the replies (and I normally do) but here's my story in case it's any value. We bought a house 3 years ago using a Redfin agent. We met the agent at our first showing, then she explained that associates would accompany us to future showings and the house inspection if we ...
by tyrion
Thu Aug 13, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 16474

Re: Should I purchase a whole house generator?

What's your aversion to using gasoline? Some generators, especially the Honda inverter generators, can have an after market external fuel tank added to them that will enable it to run for over 24 hours easily without refueling. And contrary to what many believe, gasoline can be stored very safely f...
by tyrion
Fri Aug 07, 2020 12:45 pm
Forum: Personal Investments
Topic: $1MM by 40 - Realistic?
Replies: 22
Views: 3431

Re: $1MM by 40 - Realistic?

If you fall a bit short I have a suggestion - just include your home equity. That'll push you over the finish line!

There are lots of threads about whether or not to include your home equity in your net worth, so go enjoy those.
by tyrion
Thu Aug 06, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1886

Re: My gym is reopening - are you going back to yours?

I belong to a rock climbing gym that I miss quite a bit. There are a few unique things about rock climbing gyms. For one, the tall ceilings mean a lot of air volume. And good air circulation and cleansing to keep the chalk dust out of the air. But unfortunately all the climbing holds means it's impo...
by tyrion
Mon Aug 03, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my mother financially (CCs and housing)
Replies: 21
Views: 2144

Re: Helping my mother financially (CCs and housing)

What would her finances look like without the credit card debt? You mentioned she is currently adding to the credit card debt to pay for gas and groceries. If she had a fresh start could she afford gas and groceries? On a new credit card or a debit card. Without knowing any family dynamics your plan...
by tyrion
Mon Aug 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Cooling HVAC options for loft/attic room
Replies: 22
Views: 1678

Re: Cooling HVAC options for loft/attic room

If your loft space is open to below you are probably best off with a solution to mix the air rather than just trying to cool the loft. Ceiling fan above the open section would be idea. A cheap solution would be one of the Vornado-type fans that could sit on the lower level and blow air up to circula...
by tyrion
Sat Aug 01, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9833

Re: Unmotivated daughter and son in law.

Ex is proposing that we go in on buying them an apartment and renting it to them for the price of the maintenance while we would pay the mortgage. There would terms and conditions about upkeep (daughter is something of a hoader). Ex is concerned about Granddaughter being in a decent school district...
by tyrion
Fri Jul 31, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: infrared or Propane patio heaters
Replies: 11
Views: 588

Re: infrared or Propane patio heaters

I would imagine a lot of it depends on your specifics. How much does electricity cost? For me it's 35 cents / KWH so I'm not interested in heating the outside air with electricity. Do you have an outlet already installed that can accommodate it? Both propane models are very common in Southern Califo...
by tyrion
Thu Jul 30, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Chest Freezers
Replies: 14
Views: 1399

Re: Chest Freezers

Try AJ Madison. They have some in stock.

https://www.ajmadison.com/b.php/Chest%3 ... 4294964271

No affiliation with the company, but I did buy some kitchen appliances a few years ago for a remodel and they had reasonable prices.
by tyrion
Mon Jul 27, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell our second 2009 Hyundai car?
Replies: 4
Views: 339

Re: Should I sell our second 2009 Hyundai car?

What happens in 3-18 months, when the pandemic is over (hopefully) and you return to work in the office? Will your wife need a second car to take the baby to appointments, play dates, and the store? Or do you think you are going to be permanently WFH? I would be hesitant to sell a car for very littl...
by tyrion
Thu Jul 23, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 2981

Re: Private Party Sale of Car in California

Title transfer is easy. Just sign over the 'pink slip'. Then complete the CA release of liability form (link below). That way you won't be responsible for any tickets/accidents that the new owner might incur. Call your insurer to delete the car from your policy. The new owner is responsible for re-...
by tyrion
Mon Jul 20, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: 70+ year-old, want to rent car?
Replies: 10
Views: 866

Re: 70+ year-old, want to rent car?

I've never heard of a 70 year age limit, but if I was worried about it I would reserve ahead of time and then call and talk to someone.

If you're a Costco member their rental car rates are really good - they compare several of the major brands and usually offer a discount on top of that.
by tyrion
Mon Jul 13, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: [relocating] How to assess car break in rate?
Replies: 15
Views: 918

Re: [relocating] How to assess car break in rate?

This seems like a really odd factor in how to choose an apartment. It would be well behind other criteria like price, amenities, view, neighbors, nearby grocery stores, etc. Instead of stressing about it, why not insure your car and then make it harder to steal than the other civics? Buy a club and ...
by tyrion
Sat Jul 11, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 33
Views: 2266

Re: Remodel or move?

We moved rather than remodeling, but it sounds like you really like your neighborhood. Have you considered trying to reorganize/reshuffle what you have? We had small rooms in our last house and it seemed like all the major furniture places designed bulging furniture for large rooms. Once we figured ...
by tyrion
Fri Jul 10, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Food and health
Replies: 21
Views: 1554

Re: Food and health

Should you go without health insurance during a global pandemic? No.

Trim elsewhere.
Check out ACA subsidies maybe?

Definitely continue healthy eating and exercise.
by tyrion
Thu Jul 09, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance - The Boglehead Way
Replies: 25
Views: 1487

Re: Pool Maintenance - The Boglehead Way

Pool Maintenance - The Boglehead Way I would have thought the Boglehead way was to worry about investing your money efficiently and let someone else whose expertise is pool care worry about the pool. Not sure when being a Boglehead turned into being thrifty. Here's how I think of it (and I'm probab...
by tyrion
Thu Jul 09, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance - The Boglehead Way
Replies: 25
Views: 1487

Re: Pool Maintenance - The Boglehead Way

I didn't have any type of automated pool cleaner, I bought a Dolphin Active 20 for 700 and something dollars and that thing has been worth its weight in gold. We run it every Wed and sat. Troublefreepool had contact info on the Dolphin dealers to call for a good deal. My latest project was replacin...
by tyrion
Wed Jul 08, 2020 1:28 pm
Forum: Personal Investments
Topic: Possible 1/3 income cut
Replies: 40
Views: 4397

Re: Possible 1/3 income cut

Keep the mortgage as long and large as possible. Make up for your lost income with lower expenses or lower savings. Flexibility and liquidity are what you need to optimize for right now. I agree with this. Presumably you are very employable at the 20-30% paycut level and that will improve over time...