Search found 1047 matches

by sunny_socal
Tue Aug 22, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 23
Views: 1337

Re: Do you have to paint stucco?

I've painted several stucco houses, no problems. In each case the reason for painting was that the houses didn't come with rain gutters here in Southern California - I guess builders like to cut corners and it doesn't rain very often here. But when it finally rains, the dirt from the ground splatter...
by sunny_socal
Tue Aug 22, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: What is your cash reserve limit, above which you invest?
Replies: 25
Views: 2300

Re: What is your cash reserve limit, above which you invest?

I have 30,000 cash earning 1.9% in a rewards checking account. The amount is 30,000 because that is the limit for the 1.9% interest rate. This satisfies my need for cash distributions monthly while in retirement. The cash is supplemented by a short term bond fund of 60,000 which gives me 2 years of...
by sunny_socal
Sat Aug 19, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Best place to sell my used iPhone?
Replies: 14
Views: 1154

Re: Best place to sell my used iPhone?

Craigslist is filled with scammers these days. You can count on several responses from 3rd world professionals the minute you post anything. I still use CL for large household items that can't be shipped but that's it. Things with little value (eg furniture) get donated instead and I take the tax wr...
by sunny_socal
Fri Aug 18, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 107
Views: 14268

Re: Capital One $400 bonus for new checking account

chrischris wrote:
Thu Aug 17, 2017 9:32 pm
Does anyone know if this offer is still good? I clicked the link and it didn't specify...
It was valid till the end of June.

I'm glad to see many took the leap of faith and made an easy $400! :beer
by sunny_socal
Fri Aug 18, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4252

Re: Powerball - $510 million?

Maybe it's just the exposure to the Boglehead way, but when I think about winning that much money in the Powerball, the first thing that comes to mind is: what would it do to my tax picture? :mrgreen: :moneybag The second thing, more seriously, is: how much danger would DW and the rest of my family...
by sunny_socal
Fri Aug 18, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4720

Re: Thoughts on Chase for everyday banking

I switched from BofA to Chase as my main B&M bank about 6 months ago. It was mostly because I moved and the Chase branches happen to be closer to my new home. I signed up for the Chase bonuses a few times and eventually I stuck with them! My review of local banks is below. BofA - Lots of branches, l...
by sunny_socal
Thu Aug 17, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 10665

Re: Is it worth it? [demanding jobs vs time with family]

My wife and I were both working when we got married. After we had kids, my wife became a SAHM. It has been well worth it despite the fact that we could be making more $$. Time spent with the kids is priceless :beer They grow up in the blink of an eye! Consider this well known song: My child arrived ...
by sunny_socal
Thu Aug 17, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9509

Re: Anyone planning on never retiring?

I'm planning on retiring but I'm expecting to never quit working. Retirement: - Yes, some day I will no longer provide value to companies related to my current career (high tech) - I have a 401k etc - I'm "hoping" for SS, hoping I can eventually make use of that 401k The reality: - Healthcare (ie. t...
by sunny_socal
Thu Aug 17, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Help with mortgage rates-closing soon!
Replies: 11
Views: 896

Re: Help with mortgage rates-closing soon!

I use aimloan.com for modeling loans, bankrate.com to get a general 'feel' for the mortgage market. There's no such thing as a truly reliable source, there are many variables as previously pointed out. Be happy with your rate, it's good enough. Buying a house is not like buying a car, you can't have...
by sunny_socal
Wed Aug 16, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 27y/o w/ 150k debt buying 685k house
Replies: 41
Views: 4236

Re: 27y/o w/ 150k debt buying 685k house

He should pay off the 150k and save up 150k cash to put down on a house.

But oh well, most of us learn by making a few mistakes. :beer I've he's diligent he can pay it off but it sounds like he'd rather keep up with his lawyer friends.
by sunny_socal
Tue Aug 15, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4534

Re: Best Housing To Avoid Noise

This is one of my biggest reasons for wanting to own a home. I went through years of apartment living and you're bound to end up with the odd neighbor who thinks it's a great idea to play "thump thump" music @ 3AM.
by sunny_socal
Tue Aug 15, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 242
Views: 11454

Re: How far would you travel to see The Eclipse?

I'll be at work like a good boy, likely will miss the whole thing. Will leave my welding mask on the workbench so wife & kids can take a look.

If I weren't so busy right now it would be the perfect time to take a week off! :beer
by sunny_socal
Mon Aug 14, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4699

Re: What home task(s) are worth learning to do yourself?

I'll attempt almost anything, I just ask myself a few questions: - How much time do I have? - What's the worst case scenario if I mess up? - When am I doing this? Is it time sensitive? (Is it the weekend?) - Does the appearance of the repair/upgrade matter? - Am I sufficiently fit to do this job? (i...
by sunny_socal
Mon Aug 14, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 40
Views: 3933

Re: PayPal - Any Disadvantages?

Paypal doesn't let you buy/sell certain things, they will lock down your account. When sending money, don't be very specific about the transaction, just say "here's your money" and leave it at that! (even perfectly legal things) I think all the preceding advice is very good, if you're going to use a...
by sunny_socal
Sun Aug 13, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Paypal 2% cash back credit card
Replies: 6
Views: 894

Paypal 2% cash back credit card

I logged in to paypal and the splash screen was offering a 2% cash back Mastercard: - No annual fee - Instant reward redemption, straight 2% on everything I logged back in some time later to take a closer look and now the offer is gone. I googled for it and all I could find was a different 3/2/1% Ma...
by sunny_socal
Sat Aug 12, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Upgrade car suspension or wait few more years
Replies: 17
Views: 1286

Re: Upgrade car suspension or wait few more years

Nate79 wrote:
Sat Aug 12, 2017 12:52 am
Is $1000 from an independent shop? Sounds kind of steep.
Maybe it's not. The guy in the other Camry thread got a quote for $1500 for the exact same procedure. Now I know his deal is bad.
by sunny_socal
Sat Aug 12, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3975

Re: Toyota Camry Repair Priorities

I you yourself are not a gearhead, it is difficult to extract 200K from a vehicle. Or you need a good friend who can serve as your auto adviser. You also need an extremely honest and somewhat competent independent shop. Otherwise you are an easy mark for the automotive repair industry to be fleeced...
by sunny_socal
Sat Aug 12, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1484

Re: $50k loan from 401k for house

I have done many 401k loans, but only as a "bridge loan." It's paid back within 6 months, often within a month. I wouldn't permanently pull money out of my 401k.
by sunny_socal
Fri Aug 11, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3975

Re: Toyota Camry Repair Priorities

I'm in a similar boat - 2001 Camry, 123,800 miles. Got an oil change last week and the auto shop told me the struts are worn and should be replaced. Estimate (parts and labor) for replacement and various other services - $1500! :shock: Any reason to believe their claim? Are your tires wearing uneve...
by sunny_socal
Fri Aug 11, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3975

Re: Toyota Camry Repair Priorities

Wow, you're planning on a lot of stuff. If it helps you sleep at night go for it - it's certainly less $$ than buying a new car. I think much of it is not needed, best example is the leaking valve cover. It's normal and doesn't matter unless you're getting a puddle under your car! Likely the power s...
by sunny_socal
Thu Aug 10, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3975

Re: Toyota Camry Repair Priorities

If I were buying that vehicle as a used car, I would do this:
- Change engine oil and transmission oil
- Change all filters
- Replace any steering/control bushings that were actually worn

The rest of it sounds pretty normal for a vehicle of that age.
by sunny_socal
Wed Aug 09, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1753

Re: Metal vs Vinyl sheds

Neither:
- Metal will look ugly after a few years
- The vinyl will fall apart after a few years (I know from experience.... 'Lifetime' means lifetime of the shed, not yours)

Get a real wood shed! :beer
by sunny_socal
Wed Aug 09, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6394

Re: I pay $6K in rent. Am I an idiot for not buying?

I wouldn't rent for that much. I always preach the "Starter House" approach, it worked for us. Buy something that needs a little work, fix it up. :beer
by sunny_socal
Wed Aug 09, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Resting and Vesting
Replies: 4
Views: 1076

Re: Resting and Vesting

Article makes it sound like resting & vesting involves people who are burned out. There are tons of people R&V at my Megacorp and it has nothing to do with hard work or burning out. It just depends on when they happened to join the company. Happened to join early, struck gold with all the stock. Ret...
by sunny_socal
Tue Aug 08, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

I think you just have a nice dealer. But congratulations, it seems like you got a good deal :beer My "local dealer" couldn't come close to the price I had obtained via the internet. So I drove 30 minutes out of town to pick up my car instead, I would have been willing to pay a few bucks more to stay...
by sunny_socal
Tue Aug 08, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3369

Re: Car Depreciation As Reason to Get A New Car

<snip> This basically seems to be $10.7k lost in depreciation, or 39.5%, for the last two years. So I should I pretty much expect this rate of depreciation to keep going? Somewhat disappointing, as I am now experiencing more upkeep costs (i.e., new tires, etc.). Any thoughts are welcome! Tires are ...
by sunny_socal
Tue Aug 08, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 32
Views: 2589

Re: Buy Google Pixel mobile now or wait for Pixel 2

Sounds like the perfect time to get a Pixel.

I want the Note8 but I'll likely wait until the Note9, by that time the Note8 will be discounted.
by sunny_socal
Sat Aug 05, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1684

Re: only have 401k & emergency funds. what's next?

I think you're looking at ~10 years of Dave Ramsey type living to dig yourself out of that hole. Learn to be happy with what you have, lock yourself into your _current_ lifestyle and don't upgrade anything (home, cars, jewelry, dining.) Eliminate wasteful items (cable, fancy phones & plans, big vaca...
by sunny_socal
Sat Aug 05, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Escrow surplus - toward escrow or principal?
Replies: 13
Views: 1008

Re: Escrow surplus - toward escrow or principal?

A PS - The appraisal is done through a company our mortgage lender picks/uses. What's stopping them from being in favor of the mortgage company (Citi) and appraising lower? And, will an appraisal affect taxes? I've found appraisers to be unbiased. I think everyone in the business depends on accurat...
by sunny_socal
Fri Aug 04, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Escrow surplus - toward escrow or principal?
Replies: 13
Views: 1008

Re: Escrow surplus - toward escrow or principal?

A quick update: I had our realtor look up comps in the area, and she found recent sales. Our house: purchased for $329,000 (as a very nicely renovated foreclosure) Comps, all in the same school district/county: - same bedrom #, +1 bathroom, same sq footage, 30 years older, less modern/updated: $345...
by sunny_socal
Thu Aug 03, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3297

MIL wants to move in with us

My elderly in-laws live about an hour away. They have purchased long term care plans and always been adamant about staying in their current home, they are comfortable there and know their surroundings. About a year ago my FIL had a bad stroke. He recovered somewhat and was able to stand, walk and sp...
by sunny_socal
Thu Aug 03, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Any Software Engineer Here, who went part time and cut down #of Hr.
Replies: 18
Views: 1892

Re: Any Software Engineer Here, who went part time and cut down #of Hr.

As a hiring manager inside a Megacorp I can tell you this: - Once you're out, it's not as easy to get back in - People will wonder why you took a break (burned out? laid off? fired? interpersonal problems?) - Some headhunters only consider candidates who are currently employed You mentioned in your ...
by sunny_socal
Tue Aug 01, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do I shop around for a HELOC?
Replies: 9
Views: 1091

Re: How do I shop around for a HELOC?

I've always just looked at my local banks & credit unions. They have served me well.
by sunny_socal
Tue Aug 01, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 4733

Re: The age old debate 30 vs 15 [year mortgage rate]

I used to be on the 30-year bandwagon. Problem was, we never got off the bandwagon! We were on our third house over a period of 10 years and had done a few refis during that time, all 30 year mortgages. Then I did a refi to a 20 year. Then a 15 year. I have seen the light! :beer You might as well ge...
by sunny_socal
Tue Aug 01, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5204

Re: does solar increase the value of a house

At least here in Southern CA, I think the answer is 'yes.' Property appraisers ask if any upgrades have been done to the house, I reply with Solar. The buyer can also think of it as $200/month they can apply toward a higher mortgage. Solar is very common here these days. On the other hand, utilities...
by sunny_socal
Tue Aug 01, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4927

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I posted that exact diagnosis earlier in the thread. Ended up bending the headrest posts and now the seats are fine. Look online how to do it.
by sunny_socal
Mon Jul 31, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3669

Re: Non Stick frying pan

Get yourself a good cast iron pan, use a little oil and it's totally non stick even with eggs. Iron is better for you than aluminum as well. Lodge is common, here is the fancy brand http://www.stargazercastiron.com/ Is this really true? do cast iron pans really not stick with just some spray oil on...
by sunny_socal
Mon Jul 31, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6132

Re: Can I afford it ? [A new car]

OP I think you should get the car...because YOLO. I don't mean that in a cliche sense either - I know several people who are doing through cancer or dementia, life is a lot shorter than we think. Here on BH you'll get the "Code Red" treatment if you're not paying for big ticket items with a pile of ...
by sunny_socal
Mon Jul 31, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3669

Re: Non Stick frying pan

Get yourself a good cast iron pan, use a little oil and it's totally non stick even with eggs. Iron is better for you than aluminum as well.

Lodge is common, here is the fancy brand

http://www.stargazercastiron.com/
by sunny_socal
Thu Jul 27, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 8863

Re: Should I Quit my 6-figure job?

Sounds like you have a good job. The "new job" is unlikely to be much better, ie. the raises you showed seem to be pretty normal. You should expect 3%, you won't get 10%. Jump if you're bored. These things will likely happen: - You'll get some kind of hiring bonus - You'll get a pay bump, ...
by sunny_socal
Thu Jul 27, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8093

Re: Should you wait until the due date to pay credit card balance?

I pay the total outstanding balance when I get paid, which is every two weeks.
by sunny_socal
Wed Jul 26, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4927

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

LOL, I bought an Accord Sport a couple years ago went through a similar phase. During the test drives the car was fine but it wasn't until later that I experienced leg pain and back pain. My debugging process - Sat in my wife's Honda Pilot (super comfy) and my Toyota Tundra (also comfy) and noted my...
by sunny_socal
Tue Jul 25, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 844

Re: DIY Dishwasher Repairs

I also enjoy repairing things and teaching the kids - but a dishwasher isn't worth fixing. They are designed to be disposable. Go buy that Bosch and don't look back! :beer
by sunny_socal
Tue Jul 25, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 2868

Re: Is a kamado grill/smoker worth it?

I bought the large Pit Boss kamado from Costco when it was on sale, $400. It is good but I don't think I would buy it again. I simply don't use it as much as I imagined and my family doesn't really like 'smoke' flavor, it turns out I definitely wouldn't get the 'name brand' versions, I don't see the...
by sunny_socal
Tue Jul 25, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3645

Re: Golfers - need to ramp up ASAP!

Thanks everyone. I'll likely stick with the "drink beer and drive a cart" approach for this trip. I may not even make it to the game unless I leave a day early and arriving late due to the cross country flight provides a good excuse to skip it. I'm still somewhat interested in golf however...
by sunny_socal
Mon Jul 24, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3645

Golfers - need to ramp up ASAP!

Hi BH Golfers, I was invited to a big reunion with some college friends. Among the activities is 18 holes of golf. I have one month to prepare. I haven't golfed in probably 20 years and I was never bit by the 'golf bug.' But now I live within walking distance of two golf courses and it might be a go...
by sunny_socal
Mon Jul 24, 2017 12:17 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3206

Re: What's you safety deposit box fee?

Free at bofa, we have some arrangement but I don't know what. Only about twenty bucks in my checking and that's it, no other assets with the bank.
by sunny_socal
Sat Jul 22, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 43
Views: 7960

Re: Chipping away at the mortgage

Tx for the helpful feedback all. Grabiner, raladic, stevieg72, etc., I thank you for all your input. jimb thanks for that illustrative example w/ your math. I will definitely need to re-read what you wrote a couple or times to make sure I understand all the figures. I understand your point and do a...
by sunny_socal
Fri Jul 21, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5073

Re: Denver or Portland for a 2nd home

Between those two, Denver. I'd rather have 4 Seasons than one long rainy season.
by sunny_socal
Fri Jul 21, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2756

Re: Lexus to Camry, invest difference

Don't do it. You've already eaten the depreciation, just enjoy the car. Indeed this is the worst possible moment to sell that Lexus! Drive it 10 year and then ask yourself if you still regret it.