Search found 820 matches

by sunny_socal
Tue Apr 25, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: First Mortgage, need help with financial considerations (15 vs. 30 year)
Replies: 21
Views: 1525

Re: First Mortgage, need help with financial considerations (15 vs. 30 year)

Get a 20 year loan. Quicken offers them. Advantages are paying much more principal from the first, and almost as affordable as a 30 year. Interest costs over the life of the loan are significantly reduced as well. ^^^ This . I had a 30 year loan but kept doing refis into new 30 years loans. Smaller...
by sunny_socal
Tue Apr 25, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 22
Views: 1628

Re: Los Angeles house buying

No regrets with buying California houses. - First: Bought right before the boom, sold right before the bust - Second: Bought at the peak of the boom (lost 25% value the next few years). Sold after the recovery for more than we bought it for. - Third: Bought well into the recovery. It has since gaine...
by sunny_socal
Tue Apr 25, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 969

Re: Car troubles?

Ask yourself what kind of Boglehead you are, place yourself ~1yr in the future: [A] "I take care of my car and it takes care of me, I plan on driving this CRV 200k+ miles" [B] "I've been hit with some unexpected bills on my Honda, is this a good time to buy a Q7?" If you don't k...
by sunny_socal
Mon Apr 24, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?
Replies: 33
Views: 16299

Re: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?

I'm running Bridgestone Potenza RE97 AS on my accord, purchased from Costco w/ $70 coupon. Had to special order since they don't normally carry them but they arrived in a couple days. 55k warranty.

Good tire so far, link
http://www.bridgestonetire.com/tire/potenza-re97-as
by sunny_socal
Wed Apr 19, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 1456

Re: CA State Tax Refund ~ 3 Month Processing Time

Wow, a bit of a necropost! Well this year I got my CA refund in just a couple weeks.
by sunny_socal
Wed Apr 19, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4946

Re: Can I afford private school for my kids?

I had a "classical Christian education k-12". This is where I don't know what this expression means any more. I know what this used to mean. The anti-science movement is only a few decades old in this country so I can't tell what your education was, or what the OP is looking for. I only m...
by sunny_socal
Wed Apr 19, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2439

Re: Financial Armageddon Insurance - how to spend $100k

I succumbed to some of these fears after 2008. Lessons learned: - It's not practical to hoard very much food for a true TEOTWAWKI event, it will go bad eventually. Some sects do preach a 1-yr supply of food, but then you'll need to also eat part of that hoard regularly in order to keep the supply fr...
by sunny_socal
Wed Apr 19, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 2483

Re: Fidelity card 2% but NOT as statement credit

What's the big deal? Well I have Fidelity anyway for 401k and IRA, I already had the necessary cash account even before getting the 2% Fido card. Now that account just happens to receive even more $$ than before! From time to time I move money to/from there, but it's never to "cash out" my...
by sunny_socal
Wed Apr 19, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 114
Views: 9995

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

OP, <snip> 3) If you have to complain about your boss, it means that you are not being effective in doing your job. It does not matter what kind of boss that you have, you have to be productive. The ability to work with any kind of boss is the sign of maturity and capability. Ditto on working with ...
by sunny_socal
Wed Apr 19, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: To refinance or not?
Replies: 11
Views: 839

Re: To refinance or not?

I refinanced many times. Every single one was a zero cost refi. I would never do it any other way. Refi to save $12 a month at no cost to me? Sure. Pay $12 in application fee that's not refundable? Nope. That's just me. I rode the rates down, went from 30 to 15 with an even lower rate and paid more...
by sunny_socal
Wed Apr 19, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10208

Re: Capital One 360 $200 bonus

Mrxyz wrote:Hi all,
FWIW, I was able to get my bonuses today and withdraw the money.


My bonus appeared as well. Total wait time from initial deposit was about 3 weeks.
by sunny_socal
Wed Apr 19, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4946

Re: Can I afford private school for my kids?

Here are some reasons we put our kids into private school, starting at the same income/expense level as the OP. (For reference, we live in CA which is known to have bad schools; I consider Finland to be a reference for a 'good' school) Allow me to translate some of the buzzwords thrown around, our p...
by sunny_socal
Tue Apr 18, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4946

Re: Can I afford private school for my kids?

We're putting our kids through private school under similar circumstances, same reasons. Whether you can afford it depends on your expenses.
by sunny_socal
Tue Apr 18, 2017 2:24 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2459

Re: How to be a good parent to an introverted kid

I was an introvert as a kid and I still am. Hanging out with people pulls the life out of me, a good day at work is when I don't need to talk to anyone! :beer My wife is the opposite, she withers when she's alone for a day. Opposites attract, I guess :wink: Don't worry about your son, he'll be fine.
by sunny_socal
Mon Apr 17, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10208

Re: Capital One 360 $200 bonus

BW1985 wrote:No bonus yet so I called, was told 6-8 weeks from deposit. Bummer since I see a lot of people had theirs post immediately after deposit.


Same here. I'll give them another call at the end of May if there is no bonus.
by sunny_socal
Fri Apr 14, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4398

Re: Car Breaks Down on Long Road Trip

Are we talking about a Boglehead car? (ie. one that was bought used, has over 200k miles on it, leaks a little oil but still runs ok...) It's worth driving a vehicle that gives you some peace of mind - like a Honda. (Extended family keeps swearing by Jeep, but they are the ones with stories of getti...
by sunny_socal
Fri Apr 14, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: 20yr fixed, 30yr fixed, or 7/1 ARM
Replies: 48
Views: 3037

Re: 20yr fixed, 30yr fixed, or 7/1 ARM

Simple answer - without more details, a 20 year loan is the best purchase point. The interest rate is lower, the payments not too much higher, the time horizon more realistic if you do stay longer for some reason but the pay down is better if you do cash out after 5 years. Exactly. I'm happy with m...
by sunny_socal
Fri Apr 14, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: 20yr fixed, 30yr fixed, or 7/1 ARM
Replies: 48
Views: 3037

Re: 20yr fixed, 30yr fixed, or 7/1 ARM

I'd go for the 20 because I don't have a crystal ball yet I sense a crash coming.
by sunny_socal
Wed Apr 12, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 30
Views: 23165

Re: PenFed v. Truecar v. BJs v. Costco auto buying

I tried Costco last time I bought a car. In the end direct email contact with the dealers through their website generated the best bids. My local dealer couldn't touch the best internet offer! He also happened to be the recommended 'Costco' dealer. Those services are good only for one thing: if you ...
by sunny_socal
Wed Apr 12, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 3886

Re: Prewiring house for tv and internet. Worth it?

Yes, run the cables, see Klangool's posts. I'm also in the wireless industry and there is much that can go wrong. Wires are more reliable but the connectors do break so plan on some extra ports.
by sunny_socal
Tue Apr 11, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 3198

Re: Can we afford private school tuition

We're in the same boat. We live in CA so it's a no-brainer: Private school all the way. I don't add up the cost, I'm sure it's a lot over the years (~$15k/year for two young teens.)

If we lived anywhere else I'd likely settle for public school.
by sunny_socal
Tue Apr 11, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2562

Re: Honda Pilot good 1st vehicle for teen?

Of course, I wonder why a 16-year old needs their own vehicle at all. Your kids never had jobs? Maybe they walked, like my father always said he did right after he was born, down to the stream to wash off. And then to school and to his after school job. Those were cruel times. I didn't have my own ...
by sunny_socal
Tue Apr 11, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2562

Re: Honda Pilot good 1st vehicle for teen?

I would've loved to have had a vehicle that could've gone semi-offroad (or at lease somewhere private)... with a back seat that would've laid down... back when I was in high school and my gf and I had no where to go. I know right? Knock down both rows of seats and you could even fit a couple sleepi...
by sunny_socal
Tue Apr 11, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2562

Honda Pilot good 1st vehicle for teen?

My oldest son will start driving next year and I'm planning ahead. My wife currently drives a 2007 Honda Pilot, 130k miles. It has been very dependable, however she's been wishing for a new car :wink: We have a few options: [1] Get a new vehicle for her, trade in the Pilot. Buy a used car for son to...
by sunny_socal
Tue Apr 11, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand 0% APR Credit Card Offers - Is it a good loan option?
Replies: 21
Views: 1623

Re: Help me understand 0% APR Credit Card Offers - Is it a good loan option?

I've been wondering the same thing, Capital One keeps sending me 0% checks - but they have a 2% initial transaction cost. So far I haven't had an excuse to use them.
by sunny_socal
Tue Apr 11, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10383

Re: Ordering a Weber grill this week

I bought a Weber Genesis about 15 months ago. Within a few months, rust started appearing on the non-painted parts. Of course, rust is not part of their warranty. Never again! Some things get "better" with use. Keyboards develop shiny spots, watches get a few scratches, cars get a few din...
by sunny_socal
Mon Apr 10, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10383

Re: Ordering a Weber grill this week

Sunny Socal. The Weber Spirit is a smaller grill than the Genesis. It has 529 sq in cooking area. The Spirit costs $599. https://www.lowes.com/pd/Weber-Spirit-E-330-Black-Porcelain-Enamel-3-Burner-32-000-BTU-Liquid-Propane-Gas-Grill-with-Side-Burner/999977664?cm_mmc=SCE_PLA-_-SeasonalOutdoorLiving-...
by sunny_socal
Mon Apr 10, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26700

Re: USAA 2.5% Cash Back Credit Card

It's past April 7th, the alleged date for new states to be added.

Still no Cali :|
by sunny_socal
Mon Apr 10, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10383

Re: Ordering a Weber grill this week

Post deleted, bad information...
by sunny_socal
Mon Apr 10, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2631

Re: Backyard shed, wood or plastic?

Get wood. Even the Lifetime version is "lifetime of the plastic", which is ~5 years. How do I know? We had such a shed on our property when we moved in and the roof was very brittle and had many cracks. I built a wood shed based on this Costco deal, it goes on sale for $1k shipped about on...
by sunny_socal
Mon Apr 10, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Choosing to put less than 20% down...why is this wrong?
Replies: 51
Views: 4909

Re: Choosing to put less than 20% down...why is this wrong?

I'd do whatever it takes to scrape up 20% and get into a good 30-year mortgage, including tapping into some EF or getting a small 401k loan. Get a 80-10-10 loan, borrow from relatives - anything! Reasons: - Rates could go up, they could come down. If they go up, you've protected yourself with a dece...
by sunny_socal
Mon Apr 10, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10383

Re: Ordering a Weber grill this week

Get the E-330! Having that sear station and side burner are great. Don't pay MSRP. Lowes and HD have it on sale right now for $599, that's about as low as it's going to be. "Order" it from there but pick up in store :D That grill will last you a lifetime with basic maintenance. I don't kee...
by sunny_socal
Mon Apr 10, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3108

Re: Buy a new honda or continue with old one

New Honda Fit 2017 LX manual = $18,291 Used Honda Fit 2012 (Carmax) = $10,998 Difference = $7293 or 66% higher than used Or he could buy one that's even more used, I sold my Fit with 160k miles for just $3500. :? At some point you must pick a point on the price/value curve. IMO a Fit is excellent v...
by sunny_socal
Sun Apr 09, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3108

Re: Buy a new honda or continue with old one

I had a Honda Fit, stick shift, excellent car: - Tons of interior space, could fit an entire bicycle (with both wheels attached) in the trunk when the back seats are folded down. - Well thought out door pockets and glove box - Sporty! - Good gas mileage I'm now driving an Accord, wanted something a ...
by sunny_socal
Fri Apr 07, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6862

Re: Secretly entered two comma club

Congrats. Why would anyone pounce on the OP about "relationship problems?" :oops: We send our kids to private school as well and the decision is an annual event (discussion, tug-of-war...) Piano lessons are even worse, I'd pull the plug on that immediately but my wife is adamant about keep...
by sunny_socal
Fri Apr 07, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8380

Re: Buying expensive car, how to keep payments low?

We already had the 50k car discussion: https://www.bogleheads.org/forum/viewtopic.php?t=206405 If OP decides to go for it , I think he should stay ahead of the depreciation curve at the very least. It helps to think of a doomsday scenario: what if I lose my job? What if the market tanks? What if bot...
by sunny_socal
Thu Apr 06, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5481

Re: How many financial secrets?

My spouse cares, but isn't really interested in the family finances. I pay bills, set aside savings, make investment decisions, manage reoccurring expenses, manage debt levels, complete our taxes, etc. She has a set amount of money every 1st and 15th for her personal use (as do I). We discuss major...
by sunny_socal
Thu Apr 06, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5481

Re: How many financial secrets?

I have plenty of secrets! My wife is not interested in the mechanics of finance, to her it is all very confusing and she doesn't want to be troubled with it. I read BH daily, she would be bored to tears. Any time I take action, I must carefully weigh what I do and how I reveal it to her so she doesn...
by sunny_socal
Wed Apr 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3002

Re: replace or keep car with 60k miles?

Let's admit it: cars are an emotional thing, we are capable of justifying _anything_ in order to get the car we want. In your case the perfect car is likely a Prius: excellent reliability, low cost of ownership, excellent gas mileage. But I've already been through that phase. I had the Prius. And wh...
by sunny_socal
Tue Apr 04, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 24
Views: 3431

Re: I cut the cord a couple years back but think I'm going back to cable

Get yourself one of these: (media center)
https://www.nvidia.com/en-us/shield/

Then google how to watch live sports on it.
by sunny_socal
Tue Apr 04, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21111

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Among fast food burgers our local roster looks like this:

[1] The Habit
[2] In-n-out
[3] Fatburger
[4] Carl's Jr
[5] 5 Guys

Five guys is very expensive and their buns are sweet, very over rated IMO.
by sunny_socal
Tue Apr 04, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4675

Re: Is Craigslist still the main site to sell stuff locally?

Craigslist used to be good, these days there tend to be many scammers and the sure sign is immediately asking for an address. I don't do garage sales either, it's just inviting trouble. For things like bicycles, I just leave them by the side of the road and 20 minutes later they are gone (we live in...
by sunny_socal
Tue Apr 04, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2032

Re: Google Voice as secondary number: pros & cons

Another GV + Obi user here, $0 phone bill. We ported our main phone number to T-mobile and then to GV. I also picked up a 'spare' GV number (there was a one time fee) for use as a Craigslist number. So there's some work involved but the 'free' part is a gift that keeps on giving! :beer The arrangeme...
by sunny_socal
Mon Apr 03, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10208

Re: Capital One 360 $200 bonus

How fast did you get your $200? I sent in my 10k on 3/29. They placed a 10-day "hold" on the funds and I also don't see my bonus yet. My funds were deposited on 2/15, and the $200 hit the account on 2/21. When you say you "sent in my 10k on 3/29", when were your funds actually c...
by sunny_socal
Mon Apr 03, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Cheap, User Friendly Printer
Replies: 34
Views: 2832

Re: Cheap, User Friendly Printer

Brother B&W multifunction laser printer : - Scan in color or B&W directly to PDF - B&W print - Fax - Copy I don't think I've ever used the fax since these days real estate transactions are all done via PDF files. The scanning function is a must-have and the Copy has also been useful. I ...
by sunny_socal
Mon Apr 03, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10208

Re: Capital One 360 $200 bonus

How fast did you get your $200? I sent in my 10k on 3/29. They placed a 10-day "hold" on the funds and I also don't see my bonus yet.
by sunny_socal
Thu Mar 30, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: $50 AMEX Gift Card - What does a Boglehead/minimalist do?
Replies: 29
Views: 2016

Re: $50 AMEX Gift Card - What does a Boglehead/minimalist do?

I got a Square POS (used to be called Square Register), it's a little white dongle that plugs into your phone and allows you to charge a credit card and have the money go into your bank account. https://squareup.com/pos When I get gift cards or "rebate cards" (usually Visa), I charge mysel...
by sunny_socal
Sat Mar 25, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2313

Re: Help Overcoming a Lead Paint Phobia

Unless your son is ingesting the paint, you'll be fine. If you're planning on doing construction, that's another matter. Since you're renting, it's a complete non-issue - the landlord is not likely to allow you to change the condo/apartment. There are plenty of other phobias if you look around. - Th...
by sunny_socal
Sat Mar 25, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10208

Re: Capital One 360 $200 bonus

Heads up to anyone still thinking of this offer: - The offer expires 3/31/17 - CapOne 360 uses the "two small deposits" method of authenticating your external checking account. This could take a couple business days. - They only allow checking accounts to be linked , not savings, brokerage...
by sunny_socal
Thu Mar 23, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2893

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...

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