Search found 1515 matches

by sunny_socal
Tue Jul 17, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 13
Views: 519

Re: Excel Spread sheets -mac or. Windows?

For what you're doing, either platform will work. No need to emulate Windows, just use the mac version if you already have it. (F2 key won't work however, you'll need to install some 3rd party apps to fix it.) And google sheets will work as well. I'm increasing relying on google sheets since I have ...
by sunny_socal
Tue Jul 17, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Making an offer on a 'new' home from builder
Replies: 2
Views: 296

Making an offer on a 'new' home from builder

We're planning on building a new home: - It's not a full custom, but rather we pick a floorplan and add a few options (eg. another garage bay, back patio etc) - Builder pays for the house, there is no construction loan - On closing day we show up with the cash per our contract, we may pick any lende...
by sunny_socal
Tue Jul 17, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 56
Views: 3003

Re: Families - What's your total annual credit card spend?

On track to spend 100k this year, family of 4. Everything except our mortgage goes through a card (mostly the Alliant 2.5%) Expecting about $3k cash in credit card rewards this year between all my cards.
by sunny_socal
Mon Jul 16, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Wire transfers from internet banks (CapOne 360)
Replies: 5
Views: 396

Wire transfers from internet banks (CapOne 360)

I'm required to make a large transfer for a down payment on a house (~$110k.) The final transfer will occur when the deal closes and will likely be to an escrow account. The closing won't be for another 6 months since the house is a new build. My local credit union held the funds but I moved out of ...
by sunny_socal
Mon Jul 16, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 44
Views: 6086

Re: Alliant 3/2.5% card - any experience?

We just did a cross country move and put a lot of money through this card.

Cash back for the month: $453

Still loving it! :beer
by sunny_socal
Thu Jul 12, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3326

Re: New construction: financing fell through, builder won't return deposit/earnest $

If I were in your shoes I would recognize that I signed a contract and did not perform and therefore forfeit the deposit. Ya, and give up 15k. Sure.... I"m shocked by a boglehead callousness for an agreement that someone signed in good faith. If the company had performed differently and not complet...
by sunny_socal
Thu Jul 12, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3326

Re: New construction: financing fell through, builder won't return deposit/earnest $

Pajamas wrote:
Thu Jul 12, 2018 1:39 pm
sunny_socal wrote:
Thu Jul 12, 2018 1:05 pm
Since then we've seen that our existing home is not going to rent as expected
Why aren't you selling it instead?
In-laws still live in CA, we may wish to return at some point
by sunny_socal
Thu Jul 12, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3326

New construction: financing fell through, builder won't return deposit/earnest $

Hi all, We moved to a new state and during our house hunting trip we signed a contract for a new construction home. It was 100% complete and ready for move in. We gave $1k in earnest money plus a $14k deposit. There was no home sale contingency but we verbally mentioned that we must rent out our exi...
by sunny_socal
Thu Jun 07, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3532

Re: Found an FSBO home for sale. How to avoid Realtor?

Updates : 1. I filled in the Zillow "I'm interested in this home" form and 5 minutes later a Realtor called me. (WTH!) Turns out various agents have paid to attach themselves to listings on Zillow regardless of how they are being sold (ie. through an agent or FSBO) This agent said he'd be expecting...
by sunny_socal
Thu Jun 07, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3532

Found an FSBO home for sale. How to avoid Realtor?

Hi all, I'm moving soon and will be shopping for a house this weekend. We have a couple days set aside with a realtor, everything has been arranged already in terms of when we'll meet. However we won't be meeting our realtor for another couple days, nothing has been signed. But now I found a house t...
by sunny_socal
Tue Jun 05, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17954

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

TLDR My kids are "average" and we're "upper middle class." Don't expect to get a penny from anyone. Our plan is to put the kids into community college for a couple years followed by a state college for a couple more. If they want a MS they can get their first employer to pay for it and take classes ...
by sunny_socal
Mon Jun 04, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Using multiple real estate agents simultaneously
Replies: 9
Views: 806

Using multiple real estate agents simultaneously

We're making a long distance move and we're looking for a house. Is it possible to use multiple real estate agents? The agents we've found are clearly local experts for different parts of town. (Via MLS they can of course provide information on any house.) We have a trip scheduled for three days and...
by sunny_socal
Sat Jun 02, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1249

Re: Early termination of Cable + Internet

I'd pay the fee, then never get 'cable' again. Everything is available online these days and you'll save a ton of money.
by sunny_socal
Fri Jun 01, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Looking for: Mortgage Broker in Austin TX
Replies: 1
Views: 226

Looking for: Mortgage Broker in Austin TX

Hello,

I'm looking for a mortgage broker in Austin TX. My relocation company has already provided several lenders but they are all with traditional Brick & Mortar banks (eg. Chase, Wells Fargo) and I know from experience they aren't very aggressive with rates compared to a broker.

Thanks
by sunny_socal
Wed May 30, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 30068

Re: The Side Hustle

I could quite easily do a 2nd job: engineering consultant. However I'd have a conflict of interest with my current employer. Furthermore all my ideas 'belong' to the current employer per the contract I signed when I joined. I'm not supposed to be working for someone else. I spend some of my weekend ...
by sunny_socal
Tue May 29, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2502

Re: Solid Raw wood from South Africa infestation?

If I remember correctly 156 Degrees is what most hardwoods are kiln dried at and 115 for most softwoods. I would think a penetrating oil, tung oil, or flax seed oil would be a good surface sealer. I use organic flax seed oil in all the spoons and bowls I carve. It does take a bit longer then tung o...
by sunny_socal
Tue May 29, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2502

Re: Solid Raw wood from South Africa infestation?

There are tons of those bugs out here in CA, any wood left outside will develop the little sawdust piles and tunnels throughout.
by sunny_socal
Tue May 29, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 769

Re: Selling car in CA, titled in absent owner's name

I've never had to present physical plates to take a car off insurance. It's always been a simple phone call to put a car on/off. (USAA)
by sunny_socal
Mon May 28, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30075

Re: Why pay cash for a car?

If the rate is low enough to be attractive, it is being subsidized by the auto maker. If you go all cash, you can get some of that subsidy in the form of a price reduction. This right here. Automaker doesn’t give you the zero interest for free. You pay for it during the negotiation with a different...
by sunny_socal
Sun May 27, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8619

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out." Maybe that is my problem, no dates because I am not wearing the proper shoes for dating... My wife does not even notice my shoes. It all worked out for me. My wife noticed, back when we were dating. And she still...
by sunny_socal
Sat May 26, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24190

Re: Do people still use AAA?

We've had AAA for years. Sometimes we get a decent discount on a hotel, this is usually enough to justify the membership. About a month ago I also used them to replace a dead car battery. At first it was a jump start and I was headed over to Sears but the technician said he had a compatible battery ...
by sunny_socal
Sat May 26, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Minor car accident two years ago. How long till clear record?
Replies: 14
Views: 1436

Minor car accident two years ago. How long till clear record?

A couple years ago I had a minor accident, I rear-ended someone at one of those freeway on-ramps (5MPH, little damage but insurance was involved.) By the following week my car was in the shop and I was driving my full length pickup truck and I scraped someone else in a parking lot. Insurance involve...
by sunny_socal
Sat May 26, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8619

Re: Help Buying Mens Shoes for Work and Dating

I don't see the difference between the scenarios. Ecco shoes are excellent, they'll definitely fit [1] and [3], maybe you could look elsewhere if you really want something for [2] as well.
by sunny_socal
Thu May 24, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1079

Re: Affordable luxury ladies watch?

My wife has a Nomos which is lovely, well below 3k and is fully propelled by gears/wind up. IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other th...
by sunny_socal
Thu May 24, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1079

Re: Affordable luxury ladies watch?

IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other than brand and design. +1 At that price point, you're just getting a cheap quartz movement wra...
by sunny_socal
Thu May 24, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Solar Power in Austin, TX
Replies: 5
Views: 458

Solar Power in Austin, TX

Hello, I'm relocating to the Austin metro area. We haven't bought a house yet, but it will likely be in the Leander, Dripping Springs or West Austin areas. Basically anywhere west of I-35 but nothing north of Leander and nothing south of Driftwood/Buda. Anyone live out there and have solar? I have s...
by sunny_socal
Thu May 24, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1079

Re: Affordable luxury ladies watch?

IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other than brand and design. +1 At that price point, you're just getting a cheap quartz movement wra...
by sunny_socal
Wed May 23, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2456

Re: Buying a Woman's Tag Heuer On-line

Jomashop is another well known online 'grey' dealer: https://www.jomashop.com/tag-heuer-watch-way1455-bd0922.html I would have no problem buying a Tag from a reputable online dealer. Most likely it's a quartz, meaning the only maintenance it will ever require is a new battery. I noticed the unusual...
by sunny_socal
Wed May 23, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 94
Views: 17948

Re: Water Heater Install $1,800!

Location : San Diego Heater : 40-gallon propane Home Depot Cost of Heater alone: $615 Heater & Installation: $1400 Lowes Cost of Heater alone: $625 Heater & Installation: $950 The installation prices above include the necessary permit and hauling away the old unit. Needless to say I went with Lowes...
by sunny_socal
Tue May 22, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2456

Re: Buying a Woman's Tag Heuer On-line

Jomashop is another well known online 'grey' dealer:
https://www.jomashop.com/tag-heuer-watc ... d0922.html

I would have no problem buying a Tag from a reputable online dealer. Most likely it's a quartz, meaning the only maintenance it will ever require is a new battery.
by sunny_socal
Tue May 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4166

Re: Anyone using Obitalk for Google Voice?

Any word on alternatives to Obi for the future? I LOVE my Obi202+GV solution :|
by sunny_socal
Tue May 22, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 4166

Re: Anyone using Obitalk for Google Voice?

OBi was recently purchased by Polycom. I would expect an increasing push out of consumer, and wasn't going to buy an OBi 202 which is many years old also and likely to be discontinued soon. I use Callcentric for my E911, it's easy to have GV call my home phone via PC interface, then place the call ...
by sunny_socal
Tue May 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Unknown issue porting FIOS number to Cox
Replies: 11
Views: 876

Re: Unknown issue porting FIOS number to Cox

Consider cancelling your port to Cox and port it to Google Voice instead. Then you can get an Obi VOIP box for $50 and never pay any kind of "phone" bill again. :beer
by sunny_socal
Mon May 21, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless, Unlocked Phones, Advantages, SIM Size
Replies: 10
Views: 811

Re: Cricket Wireless, Unlocked Phones, Advantages, SIM Size

We've been using Cricket on various unlocked GSM/LTE phones for years. Just pull the sim from your old phone and put it in the new one: *poof*, you're online again as if nothing happened. :beer

Currently using a Samsung Note 8 :mrgreen:
by sunny_socal
Sun May 20, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

No one was able to help me out with my original question, but I eventually found this calculator: https://www.allpropertymanagement.com/resources/rent-or-sell.html One must select 'advanced options' in order to properly enter the current mortgage parameters. BH Landlords: please try it out and let m...
by sunny_socal
Thu May 17, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 530

Re: Pull money out of HSA for non-approved items?

There's a 20% penalty plus the withdrawal is taxed as regular income . You would almost certainly be better off getting the money elsewhere. The penalty is waived if you're over 65. I thought it was only 10% The penalty on HSA early withdrawals is 20%. Yes, according to Pub. 969. I think they raise...
by sunny_socal
Thu May 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 530

Re: Pull money out of HSA for non-approved items?

MP123 wrote:
Thu May 17, 2018 12:59 pm
There's a 20% penalty plus the withdrawal is taxed as regular income. You would almost certainly be better off getting the money elsewhere.

The penalty is waived if you're over 65.
I thought it was only 10%
by sunny_socal
Thu May 17, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 530

Pull money out of HSA for non-approved items?

Anyone know how to pull funds out of an HSA account for non-approved procedures? We have ~$7k in our account just sitting there, we're seldom in need of actual medical treatment at this time. However my wife would like to have some "work" done (wrinkle treatment), I don't think this is approved. Is ...
by sunny_socal
Thu May 17, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Stop ESPP and 401k before quitting job?
Replies: 3
Views: 327

Stop ESPP and 401k before quitting job?

I'm planning on giving notice in a couple weeks. I'd like to avoid the situation where my final paycheck still has things like ESPP and 401k pulled out, simply to generate a little bit more cash for our move. But is that a good idea? I suppose the ESPP would just get refunded since I'm stopping slig...
by sunny_socal
Thu May 17, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 678

How to find a realtor after relocating

We'll be moving from CA to TX next month and living in temporary housing initially. We're looking to buy a house over the summer. But how to get started? These days it's easy enough to browse the online listings and find a house but it would be nice to work with a local realtor who knows the area an...
by sunny_socal
Wed May 16, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

- $3k/month rental income - $3k/month rental expenses (mortgage, insurance, taxes, rental manager fee) Income on this rental property is the rent that you receive Expense - only the interest part of the mortgage loan, property depreciation amount for that year, insurance, property taxes, any HOA fe...
by sunny_socal
Tue May 15, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

Why are you keeping the rental? Because we like the house and we may move back... This is our first time and being landlords. What is considered a loss? - Is it the difference between our income and expense? - Or is it just any expense? If it's the latter, renting out a home doesn't seem all that a...
by sunny_socal
Tue May 15, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

- $3k/month rental income - $3k/month rental expenses (mortgage, insurance, taxes, rental manager fee) Income on this rental property is the rent that you receive Expense - only the interest part of the mortgage loan, property depreciation amount for that year, insurance, property taxes, any HOA fe...
by sunny_socal
Tue May 15, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

I see, thanks Millenial! I thought it might end up being a terrible deal for us, but this doesn't sound that bad.
by sunny_socal
Tue May 15, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Re: Tax calculation with Rental and W2 income over 150k

Why are you keeping the rental? Because we like the house and we may move back... This is our first time and being landlords. What is considered a loss? - Is it the difference between our income and expense? - Or is it just any expense? If it's the latter, renting out a home doesn't seem all that a...
by sunny_socal
Tue May 15, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 908

Tax calculation with Rental and W2 income over 150k

I'm starting a new job and will keep my old house as a rental. I'm terribly confused on how my tax situation will look! :shock: - $187k W2 annual pre-tax income - $400k value of property (ie. just the structure, I'll use this as my basis for depreciation over 27.5 years) - $3k/month rental income - ...
by sunny_socal
Wed May 09, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4871

Re: Best cash-back credit card right now?

I use:
[1] Costco/Citi Visa card for gas (4%) and restaurants (3%)
[2] Alliant Visa for everything else (3% first year, 2.5% thereafter)
by sunny_socal
Wed May 09, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 988

Re: Most economical way to move vehicles State->State

Thanks for all the ideas! My son is age 15.5 - just passed his CA DMV written test and got a learner's permit but is not allowed to drive by himself. One of the vehicles is 'his' and we'll still need it at the other end but he won't be able to caravan. Tentative plan: - I'll recruit my brother to do...
by sunny_socal
Tue May 08, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 988

Re: Most economical way to move vehicles State->State

[2] Ship them via some carrier, I'd estimate $1000 per vehicle. I'm afraid to actually get a quote online since these generate spam. Create an email address just to use for purposes such as this rather than just guessing at a price. If the vehicles can be so easily sold and then repurchased, just s...