Search found 1300 matches

by sunny_socal
Sun Dec 17, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3014

Re: Cheap tablet just for internet surfing

Kindles and nooks aren't that great. There's a reason they are only 50 bucks.

Ipads also lacking, apple severely restricts things like custom keyboards, not much selection (soft kb.) i also hate the dock, no way to remove it.

I vote for a mid grade samsung, go to costco.
by sunny_socal
Sat Dec 16, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 36
Views: 3115

Re: New Car - Always use parking brake ?

I ALWAYS set the parking brake, otherwise the entire weight of the car is carried by the transmission.

Our Volvo XC90 comes with an electronic parking brake, it is actuated by a button/switch. It also has an "auto activate parking brake" feature :wink:
by sunny_socal
Fri Dec 15, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 83
Views: 15714

Re: Honda Pilot vs Toyota Highlander?

I guess this is an older thread! Last year I had posted that the XC90 is a great alternative to the Highlander/Pilot and a few weeks ago we decided to go for it, 2018 model. My review: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=233609&hilit=volvo No regrets, it has turned out to be an ex...
by sunny_socal
Fri Dec 15, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Alliant 3/2.5% card - any experience?
Replies: 11
Views: 1324

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

I applied for membership to the CU: 1. Had to unfreeze my Transunion for a little while. They do a soft pull during CU membership application and a hard pull during the card application 2. CU application required a detailed personal profile, completed online. They ask a few questions based on your c...
by sunny_socal
Fri Dec 15, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1110

Re: Need to find a Used/Refurbished Macbook Air

Buy a brand new macbook. College with its constant deadlines to deliver projects (most of which require a computer to perform/create) is not the place to risk issues with flaky hardware or software issues. Be aware that for some programs (like STEM particularly in EE) a macbook can be a hindrance b...
by sunny_socal
Fri Dec 15, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 83
Views: 15714

Re: Honda Pilot vs Toyota Highlander?

I guess this is an older thread! Last year I had posted that the XC90 is a great alternative to the Highlander/Pilot and a few weeks ago we decided to go for it, 2018 model. My review: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=233609&hilit=volvo No regrets, it has turned out to be an ex...
by sunny_socal
Fri Dec 15, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite
Replies: 31
Views: 1762

Re: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite

My goal is to save money, although I could afford either car easily. I'd like to stay with Tesla because I love them and my 3 years of ownership have been great. Based on this statement, I'm not sure why finances even come into play? It's not a money issue for you, so keep the car you love. Just be...
by sunny_socal
Thu Dec 14, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Alliant 3/2.5% card - any experience?
Replies: 11
Views: 1324

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

LOL, found out their 'back door' for membership - donate a small amount to their favorite charity
https://www.alliantcreditunion.com/Appl ... ity/Donate
by sunny_socal
Thu Dec 14, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Alliant 3/2.5% card - any experience?
Replies: 11
Views: 1324

Alliant 3/2.5% card - any experience?

I have a Fidelity 2% card and I've been happy with it. But I took at look at my spending through it, close to 48k/year. (I run everything except our mortgage through it.) I'm thinking of getting the Alliant 3/2.5 card which is even better, now that the USAA 2.5 option seems to have disappeared. Ques...
by sunny_socal
Thu Dec 14, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 1656

Re: prudent buying a refurbished laptop?

I don't think I would buy a refurb of any kind. Anything from Apple via their refurb program is a decent deal, but OTOH even 'new' 2016/2017 models are available for about the same price via BHphoto and Adorama. Similarly PC laptops are available new with deep discounts, just look for clearance deal...
by sunny_socal
Tue Dec 12, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with Redneck Money Market? (1.5%)
Replies: 7
Views: 603

Any experience with Redneck Money Market? (1.5%)

Is this a legit bank? Anyone try their MM account? It's currently at 1.5% :P

https://redneck.bank/mega-money-market/

Seems like a great place to start sending spare change

Thanks
by sunny_socal
Tue Dec 12, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2347

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

Doesn't sound like you have much leverage. Take what they offer and try to be happy with it or find greener pastures.
by sunny_socal
Tue Dec 12, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2131

Re: Cricket Wireless: What are the gotchas?

Any current Cricket Wireless users care to comment on your experiences versus AT&T, Sprint, Verizon, etc.? What are the gotchas? How can they offer pricing so much lower than the big name carriers? 1) Need to buy your phone at full price upfront or BYOD 2) Speed throttled to 8mbps unless you’re on ...
by sunny_socal
Tue Dec 12, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2131

Re: Cricket Wireless: What are the gotchas?

My MIL bought a new phone at Cricket.

If I had to go that route I'd get the moto g5 at costco and put it on Cricket.
by sunny_socal
Tue Dec 12, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3600

Re: best cashback credit card ?

I use costco visa for gas and restaurants, Fidelity 2% card for everything else.

I make at least 1k per year, perhaps even 1.5k. I put everything through these cards except our mortgage.
by sunny_socal
Mon Dec 11, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2131

Re: Cricket Wireless: What are the gotchas?

Very few gotchas for me. The good - Low cost! We missed out on the 5/100 deal but we now pay 90 for 3 users. Will go up to 110/month when we add a 4th. - Good network. It's better than T-mobile, for example. May not be as good as Verizon but it's certainly good enough for us. - Fast data speed. I do...
by sunny_socal
Mon Dec 11, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 67
Views: 6556

Re: Year end review with less nerdy spouse

I create a PPT each year, in case my wife wants to see it. She watched the slide show once (~15 slides), hasn't been curious since :wink: But I have the new one ready to go just in case :greedy
by sunny_socal
Mon Dec 11, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2350

Re: BH Volvo XC90 Review

First wash, and also removed the front plate bracket

Image
by sunny_socal
Mon Dec 11, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2350

Re: BH Volvo XC90 Review

I noticed there are some XC90s with a "bursting blue" color. I don't see that this is an option on the Volvo website. Do you happen to know if this is some sort of "hidden" option, or does a 3rd party paint the cars this color? The Bursting Blue or Passion Red are available if you select the "R-Des...
by sunny_socal
Mon Dec 11, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2350

Re: BH Volvo XC90 Review

btenny wrote:
Sat Dec 09, 2017 9:51 am
Is yours AWD?
Yes, this is the model breakdown:
- T5 = 2WD, base engine, 3 rows (used to be 2 rows but I think 3 is standard now)
- T6 = AWD, more powerful engine, 3 rows
- T8 = AWD, Hybrid, 3 rows
by sunny_socal
Mon Dec 11, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 83
Views: 15714

Re: Honda Pilot vs Toyota Highlander?

I guess this is an older thread! Last year I had posted that the XC90 is a great alternative to the Highlander/Pilot and a few weeks ago we decided to go for it, 2018 model. My review: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=233609&hilit=volvo No regrets, it has turned out to be an exc...
by sunny_socal
Sat Dec 09, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Time to move to a different company?
Replies: 4
Views: 800

Time to move to a different company?

I'm in the high tech business and I'm wondering whether it's time to find a new employer. What I like - My boss is great! We think alike, communicate easily and he doesn't micromanage me. - Flexible work hours. I can come and go as I please, remote access is also possible. - Pay is good, I also get ...
by sunny_socal
Fri Dec 08, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1943

Re: Fuel Additives for 2017 Toyota Camry

Just stick with good gas (eg. Chevron, Shell, even Costco) and you're GTG. No additives needed. Dealers buy product from companies like BG and are then obliged to sell it to their customers. There must be enough people who accept the additional services/products to justify the racket. It don't think...
by sunny_socal
Tue Dec 05, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2347

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

1 or 2. So you don't get a huge bump, but you have another title to claim on your resume. IMO this is worth more than than the $$. Then keep looking if you're no longer interested in working at your present company. If you pick 3, you might as well just leave. I don't know why you'd consider declini...
by sunny_socal
Tue Dec 05, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2651

Re: Paying taxes with credit card?

This is the first I have heard of this. How can I learn to "properly" overpay my taxes? Thanks in advance You probably have heard of this. 0. Use cashback credit card to buy tax software that gives a bonus on your refund. In past bonus has been 10%, but I see now 5%. 1. Run tax software to see your...
by sunny_socal
Tue Dec 05, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: How is Home Equity Line of Credit Payoff Number Calculated?
Replies: 4
Views: 283

Re: How is Home Equity Line of Credit Payoff Number Calculated?

When dealing with similar HELOC issues I always go to a local branch and hand them a check, the balance updates immediately. At the same time you can have them recompute the payoff or ask them how you'll receive a refund if you overpay.
by sunny_socal
Tue Dec 05, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1098

Re: Week in San Diego over Christmas

You're not too far from Disneyland, the happiest place on Earth. Only 90 minutes away. I would put this on the top if the kids have never been. Yes the little ones would love it! But: - You're signing up for a very full day (leave @ crack of dawn, return @ midnight) - Disney is very busy around Chr...
by sunny_socal
Tue Dec 05, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1098

Re: Week in San Diego over Christmas

Family Activities - Legoland - Safari Park - Zoo - Midway museum (aircraft carrier) - Coronado (nice area) - La Jolla, tide pools (nice area) - Point Loma, tide pools Food - Old Town, Mexican - Little Italy, Italian - Downtown, various - Point Loma, seafood Beer - Pizza Port! Family friendly, sever...
by sunny_socal
Mon Dec 04, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9389

Re: Why should I donate to my alma mater?

Back when I went to school it was a paltry $10k/year. Now it's $35k/year, not including room & board.

No way I'm donating to them, they're already raking in the cash. Someone paying full price would need $200k just for an undergraduate degree! :annoyed
by sunny_socal
Mon Dec 04, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3374

Re: Understanding the World of Credit Card "Points"

I don't use the 'points' type cards although I'm aware that even my cards probably use some kind of point system internally. 2% Fidelity Card: - I have it set up to automatically deposit rewards into a Fidelity cash account - I get almost $1k/year with this approach - There is no need to track anyth...
by sunny_socal
Mon Dec 04, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: SUV Analysis Paralysis
Replies: 14
Views: 1292

Re: SUV Analysis Paralysis

At first I was going to suggest one of these odor bombs: https://www.biocidesystems.com/room-shocker-clo2-odor-eliminator-quick-release-vapor-2?gclid=eaiaiqobchmikuxi9bbx1wivbszkch35xqdceaqybcabeglfpvd_bwe But since your car has been soaked I'll bet it will never be the same again. I vote for the ne...
by sunny_socal
Mon Dec 04, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4637

Re: selling an older car on eBay-no bites!

I wouldn't sell it on ebay, I think you'll just end up getting ripped off unless you know exactly what you have and what it's worth.

Join a forum for classic cars and sell it there.
by sunny_socal
Mon Dec 04, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

EVs are great for commuters with a short fixed route and the possibility of recharge overnight.

I'd get an older ICE vehicle for a teen, eg. a 10 year old Honda Accord or Civic. Or a Prius, they are reliable and have excellent fuel economy.
by sunny_socal
Mon Dec 04, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Should I refinance?
Replies: 4
Views: 475

Re: Should I refinance?

I think you should refi yes, but to a 15-yr fixed.
by sunny_socal
Mon Dec 04, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5101

Re: Safest roomy luxury suv?

queso wrote:
Mon Dec 04, 2017 8:34 am
sunny_socal wrote:
Sun Dec 03, 2017 11:14 pm
German cars feel solid but they are not high on reliability.
Same with Swedish cars. :wink:
Time will tell! :)
by sunny_socal
Mon Dec 04, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: SUV Analysis Paralysis
Replies: 14
Views: 1292

Re: SUV Analysis Paralysis

How much does a non-smelly used Acura with 125K miles on it cost? Go get one ... or two ... or three. I appreciate the alternative option. All past vehicles Ive purchased from well-off family members used as I know what type of care was provided to the vehicle. No current family members are looking...
by sunny_socal
Sun Dec 03, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2350

Re: BH Volvo XC90 Review

I would look into an extended warranty We were offered one for $2500 by the finance guy. I've never purchased an extended warranty for anything in my life, I figure the company has priced it so they come out ahead overall. Thus I must simply set aside $2500 in my mind and I should be GTG. Fingers c...
by sunny_socal
Sun Dec 03, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257185

Re: Best watch for around $5,000?

Tudor is the new Rolex... Tudor has been around for decades. Rolex has always marketed it as the poor person's Rolex, i.e.to those who couldn't afford the genuine article. Yes, perhaps I should have put quotes around 'Rolex.' I'll spell it out plainly: "Tudor now occupies the space in the market pr...
by sunny_socal
Sun Dec 03, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5101

Re: Safest roomy luxury suv?

I d go for the range rover. Even if I love BMW, the range rover is stunning! I do love the redesigned ones - even the new Discovery is really nice looking. Unfortunately, they are bottom of the barrel as far as reliability goes. I would definitely buy one of them (not sure which model) if they were...
by sunny_socal
Sun Dec 03, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6667

Re: How to convince DW that high miles used car is OK

I would only buy such a beater for my teenager - the vehicle is likely to be crashed during the first year and I wish to minimize my loss. I have existing vehicles with similar mileage and I have no plans to get rid of them, but I know everything about the vehicle history and I keep up with maintena...
by sunny_socal
Sun Dec 03, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257185

Re: Best watch for around $5,000?

Tudor is the new Rolex:
- Tudor is owned by Rolex
- MSRP tends to be about $4k
- Recent models all have an 'in-house' movement, some with 70hr power reserve.

Rolex has gone upmarket, $5k won't get you much any more unless buying used. Now it's $8k+ for a basic stainless steel sports model.
by sunny_socal
Sun Dec 03, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5101

Re: Safest roomy luxury suv?

I vote for Volvo XC90, just bought one:
viewtopic.php?f=11&t=233609

- 7 seat configuration (although not nearly as 'roomy' as a Tahoe/Yukon)
- Designed for safety from the ground up. Possibly the safest vehicle available.
by sunny_socal
Sun Dec 03, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2350

BH Volvo XC90 Review

We recently bought a 2018 Volvo XC90 :beer Background : - Our kids are growing up and our oldest is ready to drive. We could either buy him a beater or let him take over my wife's 2007 Honda Pilot. We decided to go with the latter since we know the vehicle history. Value $5k. - The Pilot fits in our...
by sunny_socal
Fri Nov 17, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8886

Re: Tesla truck unnveil

Too bad they can't make a swappable battery pack. National truck stops like Pilot could have a bank of them. Sort of like swapping out my empty propane tank at Walmart. Could be a seperate trailer, right behind the cab. So cab, battery pack, load haul trailer. Then they just have to unhook and swap...
by sunny_socal
Fri Nov 17, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8886

Re: Tesla truck unnveil

This is a bet against Buffet on several levels: Walmart, Pilot, Railroads. Interesting. The infrastructure will need to built out for charging en masse at truck stops, and electricity rates could get interesting due to time of day charges. But I'll bet Tesla will also have a deal coming in the pipe...
by sunny_socal
Fri Nov 17, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 1950

Re: Where to buy new iPhone?

This deal looks good: https://www.t-mobile.com/offers/deals-hub That's a good deal if you think signing up for T-mobile is also a good deal. If you quit, they demand full payment for the 'free' phone. I buy my phones outright and then pick the cheapest plan. Right now that's Cricket but I just orde...
by sunny_socal
Thu Nov 16, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Did balance transfer check to Capital1 - got letter that they had "confidential information" that check may not be paid!
Replies: 4
Views: 1101

Re: Did balance transfer check to Capital1 - got letter that they had "confidential information" that check may not be p

Are you sure Citi allows deposit of the checks into a personal account? Take a look at the "terms & conditions" booklet that came with the offer.
by sunny_socal
Thu Nov 16, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12687

Re: Request for Promotion letter to Senior Management

buccimane wrote:
Thu Nov 16, 2017 4:16 pm
someone illuminate LadyGeek's batman signal. Lock it up
IBTL
by sunny_socal
Thu Nov 16, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44180

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...