Search found 708 matches

by sunny_socal
Wed Feb 22, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1178

Re: Getting the snip: Should it be me or my partner?

IBTL!

Between man/woman, I would vote man. It's cheap, quick and easy. Leave work early on a Friday, have it done, have your partner drive you home, be back at work on Monday.
by sunny_socal
Wed Feb 22, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

LOL, BH car threads fall neatly into a few categories: - Didn't bother to do maintenance, now want a new car. ("My rear windshield wiper doesn't work, anticipate more costly maintenance.") - Want to buy a luxury car. ("Wife wants one, but I'm concerned about reliability.") [ Not...
by sunny_socal
Sun Feb 19, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3016

Re: Long Day Trip: Drive Old Car or Rent Car?

...Way to call someone's thoughts bogus. Renting a car for a road trip would be fun. There are probably people in southern California who drive 275 miles as a daily round trip commute... Exactly this. My commute alone is 500 miles/week, if we go to LA to see a concert it can easily be 1000 miles th...
by sunny_socal
Sat Feb 18, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale
Replies: 37
Views: 4452

Re: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale

Someone mentioned it's sad to see people not saving. The only sad part is that us savers must one day bail them out! Not to sidetrack this thread into a debate about higher education and colleague expenses, but there's a fairly simple (though not a fun ) plan for getting a Bachelor's degree without ...
by sunny_socal
Fri Feb 17, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 831

Re: GL450 CPO vs. Q7 New

I've been considering vehicles in the same category, $50k price range. Between the two choices in the thread I'd definitely go with the new Q7. - Pilot/Highlander : The updated models look like minivans. We already had a minivan and they're great for kids. - MDX : Don't care for the front grille, al...
by sunny_socal
Fri Feb 17, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: buying umbrella insurance in CA
Replies: 7
Views: 585

Re: buying umbrella insurance in CA

Tried to get umbrella through USAA - was denied due to a recent accident. (Very small fender bender.) Said to wait 3 years then call again :annoyed
by sunny_socal
Thu Feb 16, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

I wonder why Volvo would keep these additional benefits secret and not include them on the program website/brochure? In some cases, they specifically state the opposite of what you are suggesting. Seems odd. You mentioned that three packages are "always" included in Volvo XC90's. I was si...
by sunny_socal
Wed Feb 15, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

I wouldn't consider tripadvisor as authoritative, I'll include some better sources below. (I wouldn't give much weight to KBB either.) Interesting. I pulled my info directly from the Volvo link you included in your earlier post. - It specifically states (in the FAQ section) that airfare includes a ...
by sunny_socal
Wed Feb 15, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

Congrats on the Q7! :beer We're still a year from buying the XC90, we'll definitely take a look at the Q7 as well.

Happy wife, happy life... :wink:
by sunny_socal
Wed Feb 15, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

It looks like you are severely overstating the benefits of this program... - There is a fixed price list for this program, meaning no negotiation. - KBB shows this vehicle can be bought for $1500+ less than the fixed price (with destination charge included). - Not included in this fixed price is &q...
by sunny_socal
Wed Feb 15, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 68
Views: 4373

Re: Audi Q7 Reliability

I was thinking of surprising my wife with a new car. She has a 2011 Acura MDX that has been flawless, but I can tell she is getting the new car itch. We looked at SUV's a while back and she liked the Lexus RX350 and the Audi Q7, but she said she thought it was stupid to spend $70k on a Q7 (the RX35...
by sunny_socal
Wed Feb 15, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3291

Re: I want to ditch the cable company's modem

Ditch it, just do it! I've never had one of the rental units or anything 'supplied' by the cable company, it's just another way to pull money out of your wallet.
by sunny_socal
Wed Feb 15, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4624

Re: Which luxury auto brand depreciates the most?

I have seen this too at the local Mercedes dealer. Buying used makes a lot more sense if you don't need the new car smell (which is reportedly bad for you). If you can find one from a private party you will get an even better deal although it won't be a CPO. This makes buying a brand new non-luxury...
by sunny_socal
Wed Feb 15, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10051

Re: Bogleheads not the norm?

Definitely not the norm. I'm part of an investment mailing list at work and you'd think "Bogle" is a dirty word! Yet there are endless threads about "Should I buy XYZ?" (insert favorite stock symbol) It seems people love to think they are outsmarting the system. And these are _ve...
by sunny_socal
Wed Feb 15, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier Online Deal?
Replies: 18
Views: 1467

Re: TurboTax Premier Online Deal?

Everyone who's cheerleading for "saving" via the download version: how much did you actually pay? I went with the online Premier plus $20 discount via the USAA link I provided. Total: $76 for prep and e-file both federal and CA. For comparison I searched for the download version, found a c...
by sunny_socal
Tue Feb 14, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4624

Re: Which luxury auto brand depreciates the most?

My dad is looking at a 2014 Mercedes E350, 24k miles, CPO car. Original MSRP was $62k and change. Dealer is asking $33k, comes with the balance of the factory warranty and additional CPO warranty after that. The car is in mint condition. That's a good deal in my book, especially if you can beat the...
by sunny_socal
Mon Feb 13, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best site to check current mortgage rates
Replies: 3
Views: 575

Re: Best site to check current mortgage rates

I use bankrate.com to get an overall picture.

Try aimloan.com and amerisave.com to get an idea of the best possible rates, they are always competitive. (I've refi:d with both, they are ok if you're not in a hurry.)

In the end it is your lender using your data that generates the final numbers.
by sunny_socal
Mon Feb 13, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: paying points for refinancing a mortgage and tax implications
Replies: 5
Views: 421

Re: paying points for refinancing a mortgage and tax implications

This is new information for me. I haven't paid points for a refi, I guess I got lucky :?
by sunny_socal
Sat Feb 11, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4624

Which luxury auto brand depreciates the most?

Which 'badge' ends up costing the most? The goal is the determine which brand offers the best "bang for the buck." For sake of argument, let's use look at brand new vs 3 years old (typical lease period.) Examples: - 2017 MB GL550 MSRP = 95k. Carmax price for 2014 = 52k. Delta = 43k, or 44%...
by sunny_socal
Sat Feb 11, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2622

Re: Convince Wife for Honda Odyssey

convinced my wife to get a minivan when she wanted suv. worse dicision of my life. heard about it every day. still hear about it. she will drive it not you . sold it and she got a yukon followed by mercedes suv. she eventually got over the suvs and spent a year, yes, you heard me right, a year driv...
by sunny_socal
Sat Feb 11, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2608

Re: Tires for an old car

LOL, you're the one who should be posting the "when to ditch an old car" thread! :D Old car? check. Car _actually_ showing some mechanical problems? check. (Find the thread where someone wanted to get rid of a car with merely a broken windshield wiper...a wear item) It might be time to mak...
by sunny_socal
Sat Feb 11, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier Online Deal?
Replies: 18
Views: 1467

Re: TurboTax Premier Online Deal?

USAA has $20 off, just use this link to sign in:
https://turbotax.intuit.com/microsite/h ... 3468339893

(Indeed - I don't think it even checks that you're a USAA member, I just use my TT credentials :wink: )
by sunny_socal
Sat Feb 11, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2622

Re: Convince Wife for Honda Odyssey

Impossible to convince wife.

I insisted on a minivan and wife never let me forget it. Eventually got her an SUV. Happy wife, happy life...
by sunny_socal
Thu Feb 09, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Is it better to get a mortgage from a local/small lender?
Replies: 27
Views: 2278

Re: Is it better to get a mortgage from a local/small lender?

Been thinking about this - the thing that matters the most for that first time mortgage is this: - Finding a reliable lender - Getting the loan closed on time - Decent terms It doesn't need to be perfect, it just needs to get done. Why? Because you'll likely either move within 5 years or refi out of...
by sunny_socal
Wed Feb 08, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 810

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Neither, all those pet vacs stink. Just use nature's miracle, they have it at pet stores. FYI, they just changed the formula of Nature's Miracle a couple of months ago. The enzymes have moved from second ingredient to fourth ingredient. The surfactants have moved up to second ingredient. This has r...
by sunny_socal
Wed Feb 08, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3517

Re: Rule of Thumb for Getting Rid of Car

Your car sounds like it's still in decent shape and has relatively low miles. I'd keep fixing it. But it sounds like you're just sick of it, so go ahead.. upgrade! 8-) My wife has also been complaining that her car is "getting worn out." There's nothing wrong with her car, she never washes...
by sunny_socal
Wed Feb 08, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Is it better to get a mortgage from a local/small lender?
Replies: 27
Views: 2278

Re: Is it better to get a mortgage from a local/small lender?

I haven't had a mortgage with a "bank" for years. Their rates are bad and their service is bad. Go with a credit union if you must. I've found it best to work with a mortgage broker. They are connected to hundreds of lenders and will meet or beat the best online direct lenders (eg. aimloan...
by sunny_socal
Wed Feb 08, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 95
Views: 15318

Re: USAA 2.5% Cash Back Credit Card

How about Cali?
by sunny_socal
Wed Feb 08, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 810

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Neither, all those pet vacs stink. Just use nature's miracle, they have it at pet stores.
by sunny_socal
Wed Feb 08, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2045

Re: Durable photo printer ?

Ok I got the google Nik Collection plugins installed in Affinity Photo using the directions within this video: https://www.youtube.com/watch?v=sfwp2lbCKzU Very nice, now I have a $50 "Photoshop compatible" software suite to go with my printer! :mrgreen: Printing on a Mac took some maneuver...
by sunny_socal
Tue Feb 07, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 3204

Re: get rid of landline but keep access to 911

I have an OBI as well but don't pay for the 911 service. I figure I'll use my cell phone if possible, and if I must use the "landline" I'll tell the operator where I live.

I'm living on the edge, I know :shock:
by sunny_socal
Tue Feb 07, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2045

Re: Durable photo printer ?

madbrain : Yes, I chopped up my large free papers, the smaller 4x6 pieces seem to be working well. I had no idea Costco sold paper that cheap! I'd read about their 4x6 photo paper online (ie in forums) but my local costco only had 8.5x11 so I gave up my search. I didn't even think to look online, t...
by sunny_socal
Sun Feb 05, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Opinions?
Replies: 23
Views: 1672

Re: Tax Software - Opinions?

Why try to save a few bucks? The cost is deductible! Once again I'm using TT online. It's something like 80 for federal and state, I'm using one of the middle versions. Plus 20 bucks off through USAA. Use whatever works best for you, i don't think tax software is an area I'd skimp on.
by sunny_socal
Sun Feb 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2045

Re: Durable photo printer ?

Finally had time to set up my printer! Here's my mini review: - Yes, it's huge. We had to get very creative with the space in our 'den' to integrate it. Thankfully it's wireless. - Wifi setup was counter-intuitive but plug in a USB cable to your laptop and after that it remains on Wifi only. - Canon...
by sunny_socal
Sat Feb 04, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Declined with 800 FICO Score?
Replies: 33
Views: 2678

Re: Declined with 800 FICO Score?

Did you call them?
by sunny_socal
Sat Feb 04, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax (online) shows huge capital loss
Replies: 10
Views: 1287

Re: Turbotax (online) shows huge capital loss

Don't use the online version. It has messed up capital gains calculations in the past. Sorry to butt in, but I wanted to follow up on this comment. In a previous thread of my own, I'd noted that Vanguard shows a few thousand in ST and LT capital losses for me for last year in my taxable account. I ...
by sunny_socal
Thu Feb 02, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Please help buying new Avalon limited!
Replies: 51
Views: 3359

Re: Please help buying new Avalon limited!

So I went a dealership. Abysmal failure. The salesman was pissed that I had been shopping online and gotten multiple quotes. He then essentially insinuated why I was wasting his time. They did not budge at all. This was the second best offer at 42.8k. He did come down 1k because of an ongoing debat...
by sunny_socal
Tue Jan 31, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax (online) shows huge capital loss
Replies: 10
Views: 1287

Re: Turbotax (online) shows huge capital loss

I've been using the online version for at least 10 years and have never had a problem with it. This is the 4th year I've been dealing with ESPP/RSU and the numbers have looked 'normal' before (if the ESPP numbers can be called normal :wink: ) Also - you can 'see' the underlying tax forms if you actu...
by sunny_socal
Tue Jan 31, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax (online) shows huge capital loss
Replies: 10
Views: 1287

Re: Turbotax (online) shows huge capital loss

Ok I was able to "fix" it. For the latest version of TT they now include "wizards" to guide you through ESPP and RSU sales. Those wizards ask if you received a 1099-B and I said no (I have not received one yet.) However they never ask for the name of the broker with this option. ...
by sunny_socal
Tue Jan 31, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax (online) shows huge capital loss
Replies: 10
Views: 1287

Turbotax (online) shows huge capital loss

I'm trying to do my taxes with turbotax, online version. I entered all my ESPP and RSU sales: - Entered ESPP just like before, taking care to adjust cost basis - Entered RSU as before In the table showing all the sales I have ~$300 of loss between all of them. Click 'Done' to proceed. Then the loss ...
by sunny_socal
Mon Jan 30, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: FHA Mortgage - Buy down interest rate?
Replies: 10
Views: 652

Re: FHA Mortgage - Buy down interest rate?

Novine wrote:Does she know that PMI on FHA loans is steep and permanent? The only way to get rid of it is to refinance into a new loan which makes the math more complicated considering it's likely that interest rates will be higher when she does.


^^^ This :shock:

I had an FHA loan once, never again.
by sunny_socal
Mon Jan 30, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 7953

Re: Is joining a country club a character flaw?

I am intrigued by the idea of joining our fancy local country club even though I don't play golf or tennis. I like the idea of having someplace really close that I can go and get dinner, go to the pool, hang out in sort of luxury, and bump into friends and socialize without having to pre-plan. I th...
by sunny_socal
Sat Jan 28, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 98
Views: 21833

Re: HSAs in California

grabiner and Artsdoctor - thank you both very much! This all makes much more sense now. With other accounts I'm accustomed to getting some mail at tax time but for the HSA I got nothing. And UMB Bank (where the account is held) didn't provide me with much either, only the 1099-SA. - Went to the UMB ...
by sunny_socal
Sat Jan 28, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 5795

Re: Car Guy question

Why get rid of a perfectly good car?
by sunny_socal
Sat Jan 28, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 98
Views: 21833

Re: HSAs in California

You will pay CA tax on interest in the "cash" account, and dividends in the "investment" account. (Since you hold a stock index fund, your dividends will all be subject to CA tax.) Thank you, I think that's clear. Now the next problem: how to find out my interest in the 'cash ac...
by sunny_socal
Fri Jan 27, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3851

Re: Verizon to Cricket or StraightTalk

+1 for Cricket!

We have two lines for $70, we came from T-mobile. The coverage and service have actually been better. Will add our kids and my wife's car to this plan, the total bill for 5 lines will be $100. Can't beat it! :beer
by sunny_socal
Fri Jan 27, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 95
Views: 15318

Re: USAA 2.5% Cash Back Credit Card

Official list: AL, AZ, CO, GA, HI, ID, IL, IN, KS, LA, MI, NM, NV, NY, PA, RI, SC, TN, TX and WA

My credit is frozen, but I would gladly unfreeze to get this card! :beer
by sunny_socal
Fri Jan 27, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3213

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

First car? And a large RWD vehicle in snow country? Run away! :)

Get yourself a reliable (boring) Japanese car instead, front wheel drive, Honda/Toyota.
by sunny_socal
Thu Jan 26, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 28
Views: 2015

Re: Car accident . Fix car or not ?

Nice! Happy ending 8-)

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