Search found 1158 matches

by sunny_socal
Tue Oct 17, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6628

Re: Anyone taken a mid-career sabbatical?

Would not recommend it, but it depends on your career. If I were to take a year off I'd never get my old job back.
by sunny_socal
Sun Oct 15, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 2945

Re: Negotiating for a new car purchase

OP, whatever you're doing, you're doing it wrong. I suspect you're actually driving to a dealer and talking to people, or calling the "Front desk" and talking to people. That's not necessary. The "fax/email" method or "talking to the internet manager" likely won't work either. Just do this: 1. Figur...
by sunny_socal
Sun Oct 15, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 11
Views: 1015

Re: So I did this...Capital One Money Market $200 bonus

I had excellent luck with the capital one offers, received a total of $600 from them for a combination of new MM and Checking accounts :beer
by sunny_socal
Sat Oct 14, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 78
Views: 5248

Re: anyone else not liking the new cars?

If it makes you feel better....those new cars will likely have terrible resale too after EVs take over. We are currently a 1 battery-EV, 1 gasmobile family, with the former covering 60-70% of our family driving miles, and the latter mostly for family road-trips. The gasser will be paid off in a few...
by sunny_socal
Fri Oct 13, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 72
Views: 4061

Re: How many miles/years do you keep your car?

Hard to say, until I get sick of them I guess. Current fleet: - 2007 Toyota Tundra, 106k miles, no plans to upgrade/replace - 2008 Honda Pilot, 135k miles, will likely replace in the next 2 years (wife's car) - 2015 Honda Accord, 58k miles, no plans to replace, aiming for 250k miles over the next 10...
by sunny_socal
Fri Oct 13, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1542

Re: Anyone Ever Jackhammered a Concrete Patio?

I've broken up concrete walkways before, it was easy: - Rent a little bobcat, $250/weekend - Drive the scoop under the concrete, lift - *snap*! The concrete breaks apart like a giant cracker. - Pile it all in the driveway - Hire a crew to haul it away (some hundreds of $$, I forgot how much). They b...
by sunny_socal
Fri Oct 13, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6276

Re: Asking for discounts

Asking for a discount is one way to save money. There are a lot of other ways to save if you know how. I learned a lot from this book: Secrets of Power Negotiating by Roger Dawson $14.58 on Amazon. :beer I might get that, but I'm not paying $14.58 Why don't you ask for a discount? :happy /Thread :b...
by sunny_socal
Thu Oct 12, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi, How To, Should I?
Replies: 7
Views: 382

Re: Mortgage Refi, How To, Should I?

For online lenders I've had good luck with aimloan.com and amerisave.com. The customer service is somewhat impersonal but they get the job done and they have great rates. For the absolute best rates _and_ customer service I recommend finding a local mortgage broker. You can find a true no-cost refi ...
by sunny_socal
Thu Oct 12, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6184

Re: Best Career Advice for those over "50"

All I can think while reading these kinds of threads is it’s too bad people are considered all washed up at such a young age. What a waste of talent and energy. I agree. I’m an ER doc. At least 1/3 of our group is 50+. I am 50. I feel like I’m in my prime. Fast, efficient, and experienced. While I’...
by sunny_socal
Wed Oct 11, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13578

Re: [Boglehead vs Mr Money Mustache philosophies]

I don't see how a "smaller footprint" can possibly be better for humanity, I would call it selfishness. Benefits of working to your highest potential: (vs trying to get out of the workforce ASAP and live a Spartan existence) - Generosity to others (charity) - You can take care of yourself while you'...
by sunny_socal
Wed Oct 11, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6184

Re: Best Career Advice for those over "50"

I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast. I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas ! :beer Sorry, Texas is full. Idaho? Arizo...
by sunny_socal
Wed Oct 11, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6184

Re: Best Career Advice for those over "50"

I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast.

I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas! :beer
by sunny_socal
Wed Oct 11, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6276

Re: Asking for discounts

I usually ask for a discount everywhere I go Hotels!!! In college, I worked in a hotel in a town full of hotels. Our "rack rate" was $59 most nights and $79 busy nights. A lot of customers paid anywhere from $30 to $50. An empty hotel room is a loss. AARP or AAA was $53. The break even cost conside...
by sunny_socal
Tue Oct 10, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 51
Views: 4622

Re: 2018 Honda Accord

The Accord had the most uncomfortable seats I have been in for quite some time. I have seen a lot of about the uncomfortable seats in the Accords. Is it hard or what? The headrest is angled very sharply and it is not adjustable. I took mine off and bent the metal posts, problem solved. Some also fl...
by sunny_socal
Tue Oct 10, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2551

Re: Cheapest thing you ever heard of to save money

Brother
- Hasn't set up voicemail on his Tracphone, never answers, just looks at the caller ID. Calls cost money!<br/>
- Heats his studio apartment with candles in the winter. The little tea lite candles from Ikea are very inexpensive

Dad
- Uses coffee grounds twice
by sunny_socal
Tue Oct 10, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13578

Re: [Boglehead vs Mr Money Mustache philosophies]

I think when you're young you must be more of an MMM in order to get by. I can't even imagine how my kids are going to get started without being very thrifty and watching every penny. When my wife and I bought our first house it was "only" 250k, now that same house is 500 k :| Talked to a friend who...
by sunny_socal
Tue Oct 10, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1562

Re: Join ebates for extra cash back

I really wish these websites would simply offer low prices to begin with and get rid of these cash back shenanigans. How I thought it's supposed to work: User wants to shop, so they go to eBates to see what kind of deals are out there. They find X retailer offering Y cash back so they shop there. X...
by sunny_socal
Tue Oct 10, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 984

Re: 2017 Honda Accord Hybrid EX-L???

It's a great deal if you were in this market for a new car.
thangngo wrote:
Tue Oct 10, 2017 11:51 am
It's never a good deal when you buy things you don't need, regardless of how much discount they give you. It will be 2-4 years down the road when one of your cars hit 150k and you need to replace.
^^^ This
by sunny_socal
Tue Oct 10, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3023

Re: My Son is buying a 2017 Toyota RAV 4

I would be concerned about the age and mileage of this so called "new" car. I have test driven cars where the speedometer/odometer didn't work. The salesman told me that it gets hooked up during dealer prep. What really happens is that the dealer disconnects the instrument cluster and drives the ca...
by sunny_socal
Tue Oct 10, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance...again (15y at 3.25% going to 2.875%)?
Replies: 11
Views: 1337

Re: Should I refinance...again (15y at 3.25% going to 2.875%)?

Seems like a bit of a toss-up. Your current rate is decent (not great) but only you know how long you'll be there. You have a fair offer on the table. It seems likely you could get an even better one by contacting a mortgage broker and obtaining the same rate with a true no-cost refi . That's the on...
by sunny_socal
Tue Oct 10, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1562

Re: Join ebates for extra cash back

Topcashback.com is another great site, on avg they pay double what Ebates does, Also you don't have to wait for the big fat check you can deposit the money once it clears. Thanks! It seems signing up for both is the way to go: https://www.rather-be-shopping.com/blog/2016/11/30/ebates-vs-topcashback...
by sunny_socal
Mon Oct 09, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6276

Re: Asking for discounts

I'll have to keep these in mind! I usually just say "is that the best that you can do?" And then I look them dead in the eye and pause awkwardly until they (usually) fold :mrgreen: But for those cases when it doesn't, these are solid back-up questions :beer Nice! :wink: I will have to try it.
by sunny_socal
Mon Oct 09, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6276

Re: Asking for discounts

prudent wrote:
Mon Oct 09, 2017 3:56 pm
runner3081 wrote:
Mon Oct 09, 2017 1:58 pm
By the way... FatWallet is done, shutting down shortly.
It is gone.
Wow! Another of my favorites, pricescan, it also gone. :confused

But I just started an ebates thread, check it out:
viewtopic.php?f=11&t=229383
by sunny_socal
Mon Oct 09, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13578

Re: [Boglehead vs Mr Money Mustache philosophies]

At least you didn't start a Dave Ramsey thread, then you'd really get a black eye! :wink: I don't think most BHs are as Spartan as MMM types. Time Is Money around here. - It's ok to have a car, especially if increases your productivity. Brand new cars generate discussion :D - It's ok to have a hot s...
by sunny_socal
Mon Oct 09, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6276

Re: Asking for discounts

I like asking for discounts as well! Here I will ask: - At Home Depot or Lowes: On appliances, find a display model or closeout, "The Manager" will almost always knock off another 10%. You can also get 10% "moving coupons" for either of these stores from ebay for about $10, they arrive as a PDF. The...
by sunny_socal
Mon Oct 09, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4766

Re: Is there boglehead consensus on buying a car?

I think this is the consensus: 1. If buying mid range Japanese car and planning on keeping it, it is ok to buy new (eg. Honda, Toyota) 2. If buying a Luxury car, get a CPO. Someone else already paid for most of the depreciation and thought they beat the system! :wink: (ie. they leased it) A used ca...
by sunny_socal
Mon Oct 09, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1562

Re: Join ebates for extra cash back

The eBay rebates are for your entire shopping session, not per item. I don't shop for fun. So my session is almost only one item. For example: Husqvarna engine rebuild kit: $130. Because I seized the engine and need to rebuild it. I don't need anything else and am not shopping for fun. I got firewo...
by sunny_socal
Mon Oct 09, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1562

Re: Join ebates for extra cash back

The eBay rebates are for your entire shopping session, not per item.
by sunny_socal
Mon Oct 09, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1562

Join ebates for extra cash back

I joined 'ebates' a few months ago when shopping for a gift - thanks to a tip from Bogleheads! https://www.ebates.com/ - There is not cost to join - The ebates account is linked to Paypal, rewards are deposited automatically. - A little app/plugin is added to your web browser and remains dormant mos...
by sunny_socal
Fri Oct 06, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4907

Re: Anyone go 100% Ally or another online bank for all banking needs?

I have many online accounts and I'm happy with them. Each has a purpose. I also have several B&M accounts and here's why: [Note: I have some kind of 'special relationship' w/ BofA for some of this free stuff, though I don't know why] - Free lock box! (All the youngsters can just watch a Jason Bourne...
by sunny_socal
Fri Oct 06, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3772

Re: How do you value your time?

It depends on what I'm doing. I don't attempt to value my time based on my day job. On weekends I 'pay myself' per the prevailing wage: - If I'm just sitting around, my time is worth $0/hour (eg. watching football) [ I hardly ever just sit around ] - Working on my car, $80/hour. I DIY all basic main...
by sunny_socal
Thu Oct 05, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3016

Re: Simple Notebook/laptop

My mom expects _every_ website to work properly, a Chromebook simply won't do it. This is not a challenge, I am genuinely curious: what websites won't work properly on a Chromebook? I have been using Chromebooks for years. To the user, the browser is the same as a Chrome browser that runs on an App...
by sunny_socal
Thu Oct 05, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3016

Re: Simple Notebook/laptop

My mom expects _every_ website to work properly, a Chromebook simply won't do it. This is not a challenge, I am genuinely curious: what websites won't work properly on a Chromebook? I don't know, she lives overseas and I'm in the USA. All I know is that the new computer didn't work :? Many news sit...
by sunny_socal
Thu Oct 05, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3016

Re: Simple Notebook/laptop

By far the best computer we have ever used is from Apple. After a lifetime of Microsoft Windows and unlimited frustration we finally moved to Apple. It has been the best computer and technology decision we ever made. ^^^ This. My mom's old windows laptop just stopped working so I convinced her to g...
by sunny_socal
Wed Oct 04, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 18253

Re: What age did you become debt free and what opportunities did it create?

Not debt free and no plans to be so. I decided to carry a mortgage on our home into retirement. The interest rate is below the rate of inflation and below the dividend yield on the local equity index fund. When its paid off, I'll most likely take on a new mortgage. I'm happy to accept the higher ri...
by sunny_socal
Wed Oct 04, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 106
Views: 24139

Re: How to get a real Chip and Pin card?

Thanks for the correction. I'd like a PIN card, but not willing to give up rewards worth 1.5-4% on purchases that I get from my other cards in exchange. Nor am I willing to give up the sign-up bonus game in exchange. So for now I stick with the rebates despite the useless signature "verification" a...
by sunny_socal
Tue Oct 03, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a better mortgage rate without refinancing?
Replies: 9
Views: 678

Re: Getting a better mortgage rate without refinancing?

Won't work. Just do a no-cost refi if you want a better rate :mrgreen:
by sunny_socal
Tue Oct 03, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: New mortgage, should I refinance .
Replies: 17
Views: 1410

Re: New mortgage, should I refinance .

You can also ask 20 year loans or anything in between. (IME the 20 year loan is a sweet spot between a good rate and low payment.) It helps to work with a mortgage broker instead of going back to "your lender" or a B&M bank. The broker will have access to many more loans and and will be much more fl...
by sunny_socal
Tue Oct 03, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1188

Re: Looking for advice on an automotive paint job.

I've had a maaco paint job before, it's fantastic for the money. Would only do it on a very old car.
by sunny_socal
Mon Oct 02, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Purchased
Replies: 9
Views: 653

Re: Used Car Purchased

I think you did fine. If you paid too much it was probably for the warranty, a car like that isn't likely to have many problems.

But now that you have spent the $$ at least you'll have more peace of mind about it. Enjoy the new car! :beer
by sunny_socal
Mon Oct 02, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cash on hand for emergencies
Replies: 41
Views: 2784

Re: Cash on hand for emergencies

I don't think you need to resort to hyperbole. "These times" probably means we are no longer living in a time populated by the "greatest generation" who understood adversity. We increasingly have a society that is ill prepared for everyday life, let alone disasters. Even with the limited disasters ...
by sunny_socal
Mon Oct 02, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: New mortgage, should I refinance .
Replies: 17
Views: 1410

Re: New mortgage, should I refinance .

So what type of refinance should I look into? No-cost refi Nance? And how does a refinance work does my loan get reset to 30 years or do the two payments that I have already made get factored in Yes, just get a no-cost refi. The two initial payments will get factored in since they reduced your prin...
by sunny_socal
Sun Oct 01, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2627

Re: camping trailer...need to change vehicle?

I have a Tundra, it works very well. 10k towing capacity so any regular trailer will work except for the largest/heaviest models. Bought it used for $17k, could probably sell it for $20k today. Toyota holds value rather well. Ours trailer is 27ft, gross weight 7600 lbs, has little kitchen, bath/show...
by sunny_socal
Sat Sep 30, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3958

Re: I bought a car without thinking too much about value

It's a great car, congrats! :beer The good: - Excellent gas mileage - You can still drive it if a natural disaster wipes out everything in your area (eg hurricane.) EVs wouldn't be going very far. - Quite roomy and versatile - Affordable - Very reliable The bad: - Boooooorrrriingggg If you're the ty...
by sunny_socal
Sat Sep 30, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 5831

Re: Verizon to Cricket or StraightTalk

We're thinking about swapping to Cricket. My AT&T wireless is $100/mo + taxes/fees for 2 lines sharing 6 GB of data. I can get two lines with 3GB each for $70 with taxes and fees included on Cricket. As far as I can tell on forums and their coverage map, Cricket is available in pretty much any larg...
by sunny_socal
Sat Sep 30, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4448

Re: $700 to install a dishwasher seem by a plumber?!

Also find out where is the main water shut off for your condo unit. The main shut off valve is outside the unit. Turning that off will turn off water to other units. I suppose that's why they want anything plumbing related to be done by licensed plumber. Anyways I talked to the condo management off...
by sunny_socal
Fri Sep 29, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Looking for Quality Landline Phone Manufacturer
Replies: 14
Views: 1251

Re: Looking for Quality Landline Phone Manufacturer

Panasonic cordless. This. We just buy whatever happens to be available at Costco. As for the 'landline' itself: - Make sure you have high quality internet (ie. cable modem & service) - Buy yourself an Obi box, eg. Obi 202, from Amazon (~$50) - Obtain a Google voice phone number (or port your home n...
by sunny_socal
Thu Sep 28, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4162

Re: Two year lease vs Buy and hold 10 years. A wash?

I could never lease - I drive 25k miles/year. Bought a new Honda Accord for $23k OTD, plan to drive it for 10 years. I checked CL prices for a 10 year old Honda, couldn't find any for $5k - but let's assume mine will be worth that much due to high mileage. So that's $1800/year plus gas, insurance an...