Search found 771 matches

by sunny_socal
Thu Mar 23, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 38
Views: 1541

Re: Honda Transmission Service

You should have been doing a drain & fill every 10k miles (it only gets out part of the old oil) or getting all of it replaced every 30k miles. The "lifetime fluid" is exactly that - the fluid will last until the transmission dies, whenever that happens to be! :wink: A quick & drai...
by sunny_socal
Thu Mar 23, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 57
Views: 2682

Re: Mortgage APR 4.96% - too high?

Do you have a Roth IRA you could withdraw from, or a 401k to take a loan from? This may be a case where doing one of those to avoid PMI could make sense. I don't think this is good advice, Dave Ramsey would certainly agree. Better to pay a little PMI and pay down the loan quickly than risk tapping ...
by sunny_socal
Thu Mar 23, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 43
Views: 3481

Re: Capital One 360 $200 bonus

Just learned something frustrating. My bank only allows $2500 to be transferred per day. So my plan is going to take more time. Bank is a credit union, maybe a regulation for all credit unions? I'm in the same boat, banks and credit unions have all kinds of silly limits for transferring funds. I go...
by sunny_socal
Thu Mar 23, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Should I sell my 2016 MDX and just lease? Minimal mileage needs
Replies: 11
Views: 1040

Re: Should I sell my 2016 MDX and just lease? Minimal mileage needs

I don't think it's "wise" to sell the MDX, maybe you should do that car swap like your wife suggested. The car is paid off, you're unlikely to have much trouble with it. Transactions costs on cars are pretty high, indecision ends up being costly. (I know, I've been there.) Whether buying n...
by sunny_socal
Thu Mar 23, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 43
Views: 3481

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. Wow, impressive haul! I just opened my 360 account. Couldn't transfer funds from Fidelity for ...
by sunny_socal
Thu Mar 23, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 43
Views: 3481

Re: Capital One 360 $200 bonus

Wow this seems too good to be true. I've been wanting to open a 360 account and this seems like the perfect opportunity! I think I'll pull the trigger today.
by sunny_socal
Thu Mar 23, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 57
Views: 2682

Re: Mortgage APR 4.96% - too high?

OP after seeing that you have more cash put away - put down more money and buy the house! Don't do the PMI. We have some new construction going up in our neighborhood and those homes are nice ! They are "what you see is what you get" - appliances seem solid, they come with solar already in...
by sunny_socal
Wed Mar 22, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 57
Views: 2682

Re: Mortgage APR 4.96% - too high?

I put your numbers into bankrate.com and out popped 4.125% Considering the following factors, your quoted APR is not that bad: - You're a 1st time home buyer, more risk - You're not putting down very much, more risk - Credit score is ok but not excellent, more risk - Bankrate.com probably quotes on ...
by sunny_socal
Wed Mar 22, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 215
Views: 45447

Re: My New Car Buying Tips

tj wrote:$500 below MSRP sounds pretty high. Why aren't you checking the TrueCar price first? TrueCar is usually well below MSRP.


True, if he's buying a camry/accord/civic/corolla. In that case I'd expect several thousand off MSRP immediately.

Maybe panda is buying something very new, or rare?
by sunny_socal
Wed Mar 22, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 215
Views: 45447

Re: My New Car Buying Tips

1dirtypanda, don't overthink this. - You're unlikely to obtain actual email addresses for the people you need to contact at the dealers. Start by going to the dealer websites and find the car of interest and click "Request a quote." Enter your message in the box they provide. - Don't expec...
by sunny_socal
Tue Mar 21, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 43
Views: 3481

Re: Capital One 360 $200 bonus

How long must one keep the 10k in the account? The fine print didn't seem to impose any limitations.
by sunny_socal
Tue Mar 21, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 6329

Re: Recommended emergency fund for middle class households: $13,800

For those of you with multiple years of emergency funds, are you anywhere near or in retirement? All depends on stability of employment. Discrimination is alive and well. ^^^ +1 This is a very valid point. Try replacing 6 months to 1 year of income (expenses) when you are 59...? In many cases mega-...
by sunny_socal
Tue Mar 21, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10621

Re: Paying $20 to E-File State Return

+1 I'd rather chew on a ball of tin foil than mail my taxes at the Post Office again (last time I did was about 2002). LOL :D I avoid USPS like the plague around tax time. It's a full hour of waiting if you happen to go at the wrong time (which is usually lunch time for me, post offices are open du...
by sunny_socal
Mon Mar 20, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 63
Views: 3170

Re: A SUV for towing a Travel Trailer

Another vote for the 4runner. Any vehicle will work when on a flat freeway, but wait until you're climbing some real hills! Even my 5.7L Tundra starts to break a sweat (and my trailer is also 4k pounds.) Many would tell me to get a diesel instead :shock:
by sunny_socal
Mon Mar 20, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10621

Re: Paying $20 to E-File State Return

I pay the $20 every year and I'll continue to do so. Ever try sending something through any of the 'proper' mailing methods through USPS? (Registered, Certified...) It adds up fast. Fedex/UPS? Easily $20, and $50-80 for overnight. For $20 I get 100% peace of mind that the forms got there without any...
by sunny_socal
Sun Mar 19, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4094

Re: Looking for a snazzy car

That 2017 Miata is a good looking car! :beer

https://www.mazdausa.com/vehicles/2017- ... rf/gallery
by sunny_socal
Fri Mar 17, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4094

Re: Looking for a snazzy car

Mazda Miata

/thread
by sunny_socal
Fri Mar 17, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9419

Re: GEICO auto rates vs. USAA: too good to be true?

Didn't switch to Geico after all! - Initially called and asked for a quote. Yes - I'd had an accident one year ago. No problem, quote still 30% lower than USAA 8-) - Called to make the switch today, quote still 30% less than USAA. Rep went away to 'finalize' everything, then BOOM - new quote now 25%...
by sunny_socal
Thu Mar 16, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9419

Re: GEICO auto rates vs. USAA: too good to be true?

I have USAA, 3 vehicles and one trailer: $4k/yr Called Geico: $2900/yr! Same coverage, indeed Geico is slightly better on the trailer (we're covered on a campground fire, for example, or theft of personal property up to 5k) That's great! Saving money on insurance is a great feeling - it just leaves...
by sunny_socal
Thu Mar 16, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 2794

Re: How do Bogleheads handle allowance?

When kids were smaller, we did a $5/week allowance. Eventually they realized it's just a money spigot and quit doing chores. Now there's no allowance and some basic chores are expected 'for free' (do dishes, empty trash, clean bathroom.) Other activities are available for extra $$: mow grass, cut wo...
by sunny_socal
Thu Mar 16, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9419

Re: GEICO auto rates vs. USAA: too good to be true?

I have USAA, 3 vehicles and one trailer: $4k/yr
Called Geico: $2900/yr!

Same coverage, indeed Geico is slightly better on the trailer (we're covered on a campground fire, for example, or theft of personal property up to 5k)
by sunny_socal
Wed Mar 15, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 10
Views: 477

Re: CA State Tax Refund ~ 3 Month Processing Time

Maybe they've run out of $$ and are waiting for those who owe to pay up. Like me! LOL :?

I've learned that it's best to never have CA owe you money, this state can't budget to save their lives.
by sunny_socal
Wed Mar 15, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 1980

Re: Costco tire - Michelin vs Bridgestone

If it's worth the inconvenience, then sure. You save a few bucks. Both of those tires are about the same: "Meh." They'll both be fine for the type of driving you're going to do, they're not high performance. (BTW I like both brands and Costco has become my go-to place for tires, I don't th...
by sunny_socal
Tue Mar 14, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 32
Views: 5927

Re: Real estate investing the Boglehead way

I know a guy at work who's doing very well: - Owns half a dozen houses, net worth probably 2.5M - Only buys near a major university with the intent to have students rent his rooms - Houses are newer and require little maintenance beyond the usual paint & carpet He works a full time day job and s...
by sunny_socal
Sun Mar 12, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 2608

Re: Buying Used Car- Less than 11K out door

I think that Prius C would be ideal for a single person but not as a family car
by sunny_socal
Sat Mar 11, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 131
Views: 20517

Re: USAA 2.5% Cash Back Credit Card

Very happy with this card so far. Rewards are posting for me about a day after each transaction posts. I used to use the Citi Costco Visa card for 3% travel and restaurants, but I think it's worth it to give up the half-percent back to get rewards in your checking account 2-3 days later vs. next Fe...
by sunny_socal
Sat Mar 11, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1510

Re: Worth Raising Car Insurance Deductible?

I've had a $500 deductible for a very long time. I changed it to $1k to save money. Shortly after that I had a small accident. Then I had another accident because I had switched to a larger vehicle (didn't have my commuter car available.) Now I'm back to a $500 deductible :happy Did you pay for tho...
by sunny_socal
Sat Mar 11, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: checking account debit at the speed of light
Replies: 14
Views: 1512

Re: checking account debit at the speed of light

Always wondered the same thing. When anyone is taking my money, it's instantaneous. When I'm due some money (eg. refund) or even just transferring my own money it takes days.
by sunny_socal
Fri Mar 10, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1510

Re: Worth Raising Car Insurance Deductible?

I've had a $500 deductible for a very long time. I changed it to $1k to save money.

Shortly after that I had a small accident. Then I had another accident because I had switched to a larger vehicle (didn't have my commuter car available.) Now I'm back to a $500 deductible :happy
by sunny_socal
Thu Mar 09, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 131
Views: 20517

Re: USAA 2.5% Cash Back Credit Card

Latest list of state, still no CA

AL, AR, AZ, CT, CO, FL, GA, HI, ID, IL, IN, KS, LA, MI, MN, ND, NM, NV, NY, PA, RI, SC, TN, TX, WA
by sunny_socal
Wed Mar 08, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5196

Re: 2017 Honda Civic not recommended by Consumer reports

Just get one.

The luxury cars seem to be hit hardest by the "1st year" syndrome, there are more features and hence more things to break. Japanese economy cars use relatively old technology.
by sunny_socal
Tue Mar 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2043

Re: Bank of America vs Chase

I'm making the switch! (sort of) I'll be keeping my BofA account since they give me a free safe deposit box. I went to a branch and asked why, they didn't know - but showed the $60 fee was waived. (Don't look a gift horse in the mouth... I think this was because of some past employer related promo a...
by sunny_socal
Tue Mar 07, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Should the money earmarked for certain expenses be part of net worth?
Replies: 52
Views: 3096

Re: Should the money earmarked for certain expenses be part of net worth?

You should include everything. I have my house, 401k, vehicles, HSA, 529, cash, ROTH, IRA... all of it. It's an answer to this question: If I died today, what would my wife & kids be left with?

As others have said it makes for an interesting graph in my Excel sheet but I can't eat it! :beer
by sunny_socal
Mon Mar 06, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Ditched the Avalon! Now in the market for crv!
Replies: 9
Views: 1637

Re: Ditched the Avalon! Now in the market for crv!

eagleeyes wrote:Right when I was about to sign I had the inkling to walk away with their quote in hand and have another match and beat. I wish I had more time.


Don't sweat it. The CRV is a great vehicle, your only major expenses hereafter are gas, tires and regular maintenance.
by sunny_socal
Mon Mar 06, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2043

Re: Bank of America vs Chase

Forgot to mention one nice feature about BofA: I get a free safe deposit box! We keep a few things in there, I don't want to lose it. I think I may try the hybrid approach and have part of my paycheck sent to Chase. If their online billpay is decent I may start using them more. I do have an account ...
by sunny_socal
Sun Mar 05, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 2236

Re: Oil Change Advice Honda CR-V

Predictable answers, just like every single oil thread on the internet: - "I change my oil every 5k regardless" (I fall in this camp, LOL) - "Just follow the maintenance minder" - "Only change your filter every 5k, change the oil itself every 10k" - "Get a used oil...
by sunny_socal
Sun Mar 05, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 52
Views: 3832

Re: Net worth milestone reached: $100,000!

Congratulations! :beer

That 100k is well deserved. Start looking forward to the next 100k, don't worry about what others on BH are making. Chances are everyone has their own version of your story, life is hard work 8-)
by sunny_socal
Sun Mar 05, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5037

Re: Windfall: should we pay cash for ~$1.3M home?

Our gross income is currently around $130k, with solid but not exceptional prospects for growth. Annual spending is $65k. 130k is not a very good salary for the Bay Area so, at least from a financial perspective, there should be nothing keeping you there. Take your 1.6M (1.3M inheritance and 300k i...
by sunny_socal
Sat Mar 04, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2043

Bank of America vs Chase

I've been with BofA for about 20 years. I've recently moved to a new location and for some reason this area is almost devoid of BofA ATMs and branches! The one branch that's somewhat close (and still rather inconvenient) seems to always have long lines of people cashing payday checks. Chase seems to...
by sunny_socal
Sat Mar 04, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 3507

Re: How much do you spend on "stuff" for kids?

We don't buy them birthday gifts since we organize the parties and they get presents from the guests I find it extremely bizarre that you do not buy birthday gifts for your own kids. I find it more bizarre that you justify not buying birthday gifts because you "organize the parties." Do y...
by sunny_socal
Fri Mar 03, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is Certified Pre-owned Car worth it?
Replies: 16
Views: 1949

Re: Is Certified Pre-owned Car worth it?

But this is not a physical product or an actual service you receive. It's marked-up insurance. It is a gambling transaction. There is a winner and loser in the transaction. You only get something physical if you car needs a covered repair. The loser every time is the buyer, even on the off chance t...
by sunny_socal
Fri Mar 03, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 10927

Re: What are the big things to get right?

My 2 cents: - Marry a good woman, or don't get married at all! If it's not for life, it's going to hurt you. - LBYM - Avoid German cars. (Ok get one just to see what I mean, LOL! :mrgreen: ) - Get a good education in a field you can tolerate. - Don't pay too much for that education. The school does...
by sunny_socal
Fri Mar 03, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Refinance without PMI?
Replies: 27
Views: 1631

Re: Refinance without PMI?

Once you pay the loan down to 78% of the home value they must drop it. Depending on how much of a down payment you made you might be able to pay it down a bit and get out from under PMI. I had an FHA loan once, I couldn't get rid of the PMI even if I paid down the loan. So I did a refi. You should ...
by sunny_socal
Thu Mar 02, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3351

Re: Looking for advice with severance pkg - little overwhelmed

delamer wrote:Why is COBRA a ripoff?


It's a lot of money and it's likely more coverage than one needs. $1500-2000/month for my family, for instance. No thanks.
by sunny_socal
Thu Mar 02, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3351

Re: Looking for advice with severance pkg - little overwhelmed

- What city are you currently at, where would you be relocated? - I would definitely refi. The rates are still good and there are plenty of zero-cost refi options available (To all the picky people: yes, there are costs but the lender provides a rebate sufficiently large to cover the costs.) You can...
by sunny_socal
Wed Mar 01, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6554

Re: Climate and happiness revisited

You live in Fargo? Here's a great movie for everyone who's never visited up there: https://en.wikipedia.org/wiki/Fargo_(film) Yes I'd move. I don't think I'd mind a little snow in the winter if that brought down the cost of living. For reference I live in San Diego and today it's 72F outside - beaut...
by sunny_socal
Wed Mar 01, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Vehicle purchase
Replies: 43
Views: 1842

Re: Vehicle purchase

We sold a Honda Odyssey and bought an Escape (when gas prices hit $5/gal) and it was the worst car decision of our lives! :oops: The Escape is quite possibly the worst vehicle I've ever owned: (who knows maybe they are better now...) - Looks fairly large, but the interior is the smallest of any vehi...
by sunny_socal
Wed Mar 01, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4594

Re: What Car Should I Buy My Daughter as a Graduation Present

I took my daughter to CarMax, and gave her a spending limit. gasdoc This is exactly what I was going to suggest. While some might say they prices are inflated, that's really only true if you're comparing it to Craigslist shopping. For someone that just wants a used vehicle with zero hassle Carmax s...
by sunny_socal
Wed Mar 01, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2014

Re: Insurance on a diamond engagement ring

I've been wondering this myself. We have some jewelry & watches insured, but the insurance cost is something like $400/year. At that rate I could put that much aside and pretty soon I'd have a "jewelry insurance fund" set up! Let's say the OP's diamond ring only cost him $10k to purcha...
by sunny_socal
Wed Mar 01, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4933

Re: Don't pay full price for cable TV

I got rid of the cable so I do not pay any price for cable. However, I buy internet from cable company as my only option for home internet. The cost of internet increases annually and I cannot do anything about it. I will wait for the price of wireless hotspot to go down to switch and forget all ab...

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