Search found 951 matches

by sunny_socal
Mon Jun 26, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: [Can I move data from Microsoft to Mac with new computer?]
Replies: 13
Views: 522

Re: [Can I move data from Microsoft to Mac with new computer?]

I made the move about 4 years ago. The good - My 15" MBP w/ retina is the best computer I've ever owned. Never going back to Windows! - Still runs just as "fast" as the day I bought it - Compatible with all the files/formats I needed (ie. Office) - Updates to a new OS have gone smooth...
by sunny_socal
Sat Jun 24, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 68
Views: 4075

Re: Bogleheads: Please help me pick a new car

I discovered that the safety technology I want (collision avoidance) is not on the low-end Lexus NT. Rather than buy a more expensive Lexus, I decided to purchase a top-of-the-line Honda CR-V for about $33K plus taxes. The car has all the features I want and is considered very reliable, which is im...
by sunny_socal
Sat Jun 24, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

If you want to play these games I can beat all of you: - Bought a 1994 F250 long bed for $3000 - Sold it a year later for $3000 My Total Cost of Ownership = $0 :beer That's not total cost of ownership, that's depreciation cost - but - I love games! 1972 Pontiac Catalina "The Chief" purcha...
by sunny_socal
Sat Jun 24, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

If you want to play these games I can beat all of you:
- Bought a 1994 F250 long bed for $3000
- Sold it a year later for $3000

My Total Cost of Ownership = $0 :beer
by sunny_socal
Sat Jun 24, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 51
Views: 2645

Re: Worthwhile TV programming?

Tycoon wrote:My personal opinion is there is very little worthwhile value in watching TV. I wish I could get back all time I wasted watching.


Agree

But I do watch some of the following on Netflix with my wife when all our chores are done: Narcos, The Crown, House of Cards, Stranger Things, The Last Kingdom
by sunny_socal
Fri Jun 23, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1004

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

I've done exactly this several times before, it works well. It's a perfect scenario for a 401k loan.
by sunny_socal
Fri Jun 23, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

Kenkat wrote:
Exactly.


I think you're also engaging in wishful thinking. OP did include the cost of tires for some reason but left our other consumables. The actual cost of a car is roughly double the purchase price.

There's even a website dedicated for this:
https://www.edmunds.com/tco.html
by sunny_socal
Fri Jun 23, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6133

Re: is luxury car a smarter purchase?

Those who imagine that all cars will be on autopilot within a few years needs to get out more. There's a world beyond silicon valley! There are millions of people driving in Asia for example, roads aren't marked consistently and drivers behave unpredictably. Drone cars are possible from a technical ...
by sunny_socal
Thu Jun 22, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

Wouldn't gas prices be different across time periods? For example if I owned a 45mpg Prius when I lived in an area where gas cost $3/gallon vs when I owned a 15mpg Camaro living in an area where gas cost $1/gallon, and drove the same total distance, then my gas costs owning a Prius and a Camaro wou...
by sunny_socal
Thu Jun 22, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

We had a thread on the topic of car costs earlier this year: The Sweet Spot for Yearly Car Costs Since then, I have carefully complied all of my data to try to get the most accurate picture of what I spend on cars. It was eye-opening for me. As you can see from my raw data, I am not very savvy in m...
by sunny_socal
Thu Jun 22, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4491

Re: Did I just get seriously ripped off?? (Car lease)

Stormbringer wrote:
Panople wrote:$3,406.18 (fees)

I would say if you got ripped off, it was here.


^^^ This.

But you're leasing a car, which is a ripoff anyway (you're just subsidizing a future purchase of a luxury car for a fellow Boglehead!)
by sunny_socal
Thu Jun 22, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4450

Re: What is your car's average cost ownership?

I think many people who posted are forgetting all the ongoing expenses. The vehicle purchase price actually matters far less than we think.... Wife's car, 2007 Pilot - Bought used in 2010, $28k incl tax; Worth 5k now; 15k miles/year - $200/month gas (15 MPG) - $800 in tires every 3 years - Own oil c...
by sunny_socal
Wed Jun 21, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5397

Re: Co-workers advising to buy house RIGHT NOW

I choose to live in a house for these reasons: - It's quiet. I don't like hearing neighbors playing thumpy music @ 1am or hearing their conversations. - It has a garage. It's my 'man cave', I like working on things. - It has space to live. I lived in apartments until I got married but we sure have a...
by sunny_socal
Tue Jun 20, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan vs Mortgage
Replies: 29
Views: 1952

Re: Auto Loan vs Mortgage

Kill the PMI, don't pay off the car even if you have the cash.
by sunny_socal
Tue Jun 20, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Cancelling credit card payment while it is 'pending'
Replies: 7
Views: 451

Re: Cancelling credit card payment while it is 'pending'

Ended up calling the camp coordinator, they said no problem to cancel! :beer
by sunny_socal
Tue Jun 20, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Gift for 11 year girl from France
Replies: 6
Views: 706

Re: Gift for 11 year girl from France

The NP will no doubt have many gift shops with clothing, stuffed animals etc. You'll have no trouble finding a souvenir :mrgreen:
by sunny_socal
Tue Jun 20, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6133

Re: is luxury car a smarter purchase?

Read the Lexus forums and read about the money-pit stories with BMWs, Audis, and Mercedes. There are tons of refugees from these brands. To be fair, in the BMW forum they pity those driving a Lexus. Perhaps I can see why - Lexus has a face only a mother can love :| (I wouldn't be caught dead drivin...
by sunny_socal
Tue Jun 20, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Tripped on this this morning - pros and cons? [HELOC as emergency fund]
Replies: 22
Views: 3326

Re: Tripped on this this morning - pros and cons? [HELOC as emergency fund]

I'll always have a HELOC, I've used it frequently.

But back in 2008 they froze my HELOC out of the blue, it's not a reliable source of cash when the economy takes a dump.
by sunny_socal
Tue Jun 20, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4019

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

Am I the only person who actually asks the dealer to tell me what the price will be prior to getting the job done? No, you are not. And you always ask for discount on the labor rate and parts, too, right ? ;) Absolutely. And at our local Toyota dealer we get 15% off just for being Costco members! :...
by sunny_socal
Tue Jun 20, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Cancelling credit card payment while it is 'pending'
Replies: 7
Views: 451

Cancelling credit card payment while it is 'pending'

My wife and I signed up our kids for a summer camp. The fee was $420/kid, there was little fine print in online enrollment about the cost except "nonrefundable fee applies." I didn't do the enrollment myself, my wife did it online. She printed out all the paperwork and I read it last night...
by sunny_socal
Tue Jun 20, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6133

Re: is luxury car a smarter purchase?

Does it ever make *more* financial sense to buy a used luxury car over a regular new / used car? For instance, I've heard BMW's hold their value and quality substantially better than normal American / Japanese cars. An article I read stated how a used BMW 760Li that is 1-3 years old with 40K miles,...
by sunny_socal
Mon Jun 19, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 21
Views: 1347

Re: California Vacation - Bay Area, So Cal, or both (with coastal drive)?

There's enough to do up in the SF area, I'd stay up there. And don't hold your breath for the coast highway to get fixed. This is California, money raised for fixing roads tends to be spent inefficiently :wink: It's a pretty big landslide: http://ww2.hdnux.com/photos/61/33/11/12956249/5/1024x1024.jpg
by sunny_socal
Mon Jun 19, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6640

Re: Any BHs Had Experience With the Honda Fit?

jharkin wrote:<snip>

when does it end?


I saw someone driving one of these just last weekend. The ultimate truck!
Image
by sunny_socal
Mon Jun 19, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6640

Re: Any BHs Had Experience With the Honda Fit?

Had a 2009 Honda Fit Sport w/ stick shift. Brother is still driving it, 190K miles. Pros - Excellent fuel efficiency, easy to get 38 MPG even without babying it - Plenty of power, stick shift was fun and the car handles well - Cavernous cargo space for such a small car. Better than a Ford Escape I u...
by sunny_socal
Mon Jun 19, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2435

Re: Happy Fathers Day - got me a used Weber grill!

I just refurbished my Weber Genesis 3-burner yesterday: - Scraped off the crud from the grates - Scraped the fallen debris from the bottom, was probably a 1" thick layer - Cleaned burners with a wire brush - Installed new "flavorizer" bars, $39 from HD. The old ones had developed hole...
by sunny_socal
Sun Jun 18, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6149

Re: So sick of it!

bloom2708 wrote:Pay them off. $35k is a good cash cushion.

After paying, build cash back up. $100k plus is probably excessive.

Set a reasonable asset allocation and get fully invested.


This
by sunny_socal
Sat Jun 17, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 32
Views: 1749

Re: Metropcs iPhone SE $200

Actually, even better; Walmart has the iPhone SE for $159 with Straighttalk, which is also AT&T; the phone may also work on any AT&T network as well (Cricket.) Would go with that. https://www.walmart.com/ip/Straight-Talk-Apple-iPhone-SE-32GB-4G-LTE-Prepaid-Rose-Gold/911239434?wmlspartner=wl...
by sunny_socal
Fri Jun 16, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2435

Re: Happy Fathers Day - got me a used Weber grill!

Nice! I've been happy with my Weber. I don't pamper it either, I never clean it and leave it uncovered in the rain & sun.
by sunny_socal
Fri Jun 16, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 32
Views: 1749

Re: Metropcs iPhone SE $200

I've had good luck unlocking phones via ebay.

Procedure:
- Find an ebay vendor offering to unlock phones
- Pay your $5 (or whatever)
- Wait for your unlock code to appear in your email inbox
- Enter the code - *POOF* - phone is now unlocked
by sunny_socal
Fri Jun 16, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 28
Views: 4373

Re: Capital One $400 bonus for new checking account

One of the conditions is you must live in greater Boston, MA area. sunny_socal if your name is an indication of where you reside, I am surprised it worked. It worked with you just typing in the promo code?? That's correct. And live in CA. I figured I had nothing to lose. The application is simple, ...
by sunny_socal
Fri Jun 16, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 28
Views: 4373

Re: Capital One $400 bonus for new checking account

I just don't get it. They keep ramping up the rewards for being an unloyal customer, while the interest rate stays stagnant. At this point, it would not take much more of a rate increase on Ally's part to finally get me to ditch CapitalOne. Their money market interest rate is 1%. There's a $200 bon...
by sunny_socal
Fri Jun 16, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 28
Views: 4373

Re: Capital One $400 bonus for new checking account

So?

Worked for me just by using the link, I never got an invite.
by sunny_socal
Thu Jun 15, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 28
Views: 4373

Capital One $400 bonus for new checking account

Use this link: https://www.capitalone.com/bonus400/ Make sure to use in the indicated bonus code PLUS400 Requirements : - Two $250 direct deposits within first 60 days - Deadline to open is June 30, 2017 I got my $400 about a week after my two DDs went through! By far the easiest bank bonus I've eve...
by sunny_socal
Wed Jun 14, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2557

Re: 2004 LEXUS RX 330

@rashad3000 Wow! you're going to go kamikaze on a car loan and sacrifice 403(b) retirement savings??? I think Dave will forgive you if you pay this off in 3-4 years. I'll bet this won't be your last car loan. Relax Agree. Just pay off the car the hard way, remember what it feels like to have a car ...
by sunny_socal
Tue Jun 13, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 190
Views: 19393

Re: Capital One 360 $200 bonus

No, this one: https://www.capitalone.com/bonus400/ Targeted or not, people are getting the bonus so I applied. No credit pull, no special hoops or delays. I don't have my $400 yet since my second direct deposit just posted a couple days ago but I'm optimistic based on the feedback at doctorofcredit...
by sunny_socal
Tue Jun 13, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 190
Views: 19393

Re: Capital One 360 $200 bonus

While you're at it, also make sure to apply for the checking account mentioned earlier in this thread. The conditions are even more lenient IMO and you get a $400 bonus :beer Yes , assuming you are referring to this , but it was also discussed and mentioned that the $400 bonus ($200 Checking, $200 ...
by sunny_socal
Tue Jun 13, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 190
Views: 19393

Re: Capital One 360 $200 bonus

I just opened an account and used the code. While the code box turned green, and I got no error, I also didn't see any confirmation (I may have missed it). So I contacted them by chat and was told this was a targeted offer. I'm not even sure she actually checked my account. I will let the transfer ...
by sunny_socal
Tue Jun 13, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 190
Views: 19393

Re: Capital One 360 $200 bonus

So, If I open the account, deposit $10K, after 1 day withdraw the 10K leaving the account balance at zero, will I still get my bonus after couple of weeks? or the $10K has to be there till I get the bonus? Yes, I pulled my $10 'early' and still got the bonus. While you're at it, also make sure to a...
by sunny_socal
Tue Jun 13, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2271

Re: Watch Batteries

Get yourself a decent automatic watch. Much more fun than any battery watch! :mrgreen:

Budget: Seiko
Mid range: Rolex
High end: Patek...
by sunny_socal
Sun Jun 11, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Help with Car buying math
Replies: 11
Views: 1151

Re: Help with Car buying math

Is your car really about to kick the bucket? (ie. $3000 engine or transmission repair) Or is a rear windshield wiper not working? :wink: You just need to keep driving it for another six months, adding oil isn't that expensive even if you're driving a total beater. My wife's old Civic required an ext...
by sunny_socal
Sun Jun 11, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Switching to t-mobile from at&t...maybe
Replies: 16
Views: 1370

Re: Switching to t-mobile from at&t...maybe

You'll be fine, sales rep was wrong.

T-mobile tends to be a pretty good deal. When you want to $ave even more, take a look at Cricket. Up to 5 lines for a $100/month _total_ :beer (Yes, that's including all fees)
by sunny_socal
Sun Jun 11, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2557

Re: 2004 LEXUS RX 330

Just curious as to why the highlander was a bad decision. Bad decision is water under the bridge, you can probably make it worse. Have you considered the transaction costs of selling the HL and buying the RX? A 13 year old RX will have more expensive repairs than your 2-year old HL. You are probabl...
by sunny_socal
Sat Jun 10, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7829

Re: College admissions question - she got a "C"

What is the purpose of college? It is really to get a good job that makes money so you can support yourself and your future family. That simple. It makes me sad that people think this is the purpose of college (that the purpose of college is not different ultimately than that of a vocational school...
by sunny_socal
Sat Jun 10, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5190

Re: Used 2013 Audi A5 or New Honda Accord Sport

The 2018 Accord is going to be available with a 2.0L Turbo and a 6-speed manual or 10-speed auto. (No more V6)
by sunny_socal
Thu Jun 08, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 6952

Re: Dave Ramsey Financial Peace University ??? worth it?

Quite a few unhelpful Dave Ramsey bashing. He has helped lots of people and those efforts should be commended. I agree with an earlier poster that our sometimes insular thinking here could make one easily forget the financial challenges and reality faced by the vast majority. Most of Dave's teachin...
by sunny_socal
Thu Jun 08, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5190

Re: Used 2013 Audi A5 or New Honda Accord Sport

I agree. The Audi A5 quattro AWD handling so well. Can achieve more lateral G than Honda. A new similar equip Accord will cost 30k. So 15k for a 4 year old Audi is not that bad . It's not bad at all :beer When I bought my BMW I swore I'd never drive anything other than a German vehicle again, it fe...
by sunny_socal
Wed Jun 07, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 6952

Re: Dave Ramsey Financial Peace University ??? worth it?

Being debt free is the best way to live. Then you can invest your money and become rich. Not make other people rich paying interest. Yeah - all those businesses that raise capital through debt aren't getting rich at all, just paying interest to others. Sorry, but this line of thinking is harmful no...
by sunny_socal
Wed Jun 07, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 901

Re: Should I accept this special work assignment (more pay)?

What's that 10k after taxes? 5k? Very odd that a megacorp would announce bonuses like this. These days I'm hoping _not_ to get promoted because of the extra responsibility/headache that comes with it :|
by sunny_socal
Wed Jun 07, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 1472

Re: Earthquake insurance in SOCAL

We got the coverage, it wasn't very expensive for what you get IMO.

And welcome to California! We have some of the best wineries and breweries in the world! :beer
by sunny_socal
Wed Jun 07, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 6952

Re: Dave Ramsey Financial Peace University ??? worth it?

Not my church, I don't go to church. Just went there to take the class. Hard to believe following a 7 step plan, something your grandmother already told you about is such a scam. Or reading a book and taking the advise you believe in is a scam. I would believe that is a little harsh. That's because...

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