Search found 878 matches

by sunny_socal
Wed May 24, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Looking to buy GoPro camera, need feedback/recommendations
Replies: 4
Views: 287

Re: Looking to buy GoPro camera, need feedback/recommendations

I was in a similar situation. My kid bought a Chinese clone and played with it for about a year, eventually it broke. I bought him a refurbished gopro for some milestone, just like this: http://shop.gopro.com/refurbished/refurbished-hero4-silver/CHDNH-B10.html IMO it's good value and arrived looking...
by sunny_socal
Wed May 24, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 73
Views: 7756

Re: Net worth is overrated

Maybe thread should be called "Net worth is misunderstood." It's not cash flow. It's ALL assets and ALL liabilities. Period.
by sunny_socal
Tue May 23, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Should I get a dual-action polisher for my working car?
Replies: 13
Views: 598

Re: Should I get a dual-action polisher for my working car?

I think a polisher would only make it worse. Take a look at all the black cars out there with a finish ruined by a polisher.

You'd have better luck by doing a "clay" job on your car, then put on a good coat of wax.
by sunny_socal
Mon May 22, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16985

Re: Buying a luxury car (how dumb would it be to do this?)

Ohhh hell, go for it. I guess a luxury car is better than gambling, drugs, or short term expensive relationships. :wink: burt I assume there are people who get into severe financial trouble due to compulsive spending on all kinds of things, including cars. Some of those folks who complain that thei...
by sunny_socal
Mon May 22, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1164

Re: Replace timing chain based on miles or years?

Misleading thread title, should either edit or close thread.

#fakenews
by sunny_socal
Mon May 22, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 22
Views: 1965

Re: Well-made quality handbags

Another +1 for Coach bags

Bought one for my wife a few months ago, she loves it!
- High quality leather, looks like it will last
- No "Coach" logo on the bag, it is timeless rather than trendy. (The "CCCCCCCC...." and "LVLVLVLVLV..." bags seem cheesy)
by sunny_socal
Mon May 22, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4156

Re: At what point to buy new car for safety

My wife has the same car, I don't lose any sleep - it has seatbelts, ESC, ABS, airbags front and side. Everything! And I'm going to give it to my teen son next year. It's a solid vehicle.

Upgrade if you want the new car smell but for any other reason it's not necessary.
by sunny_socal
Fri May 19, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3008

Re: What are the powers of HR in a company?

My wife worked in HR for many years, here is the inside scoop: 1. They are not your friends 2. They are 100% agents of The Company. Engage with HR only to the extent you must to get your work done, otherwise shut up. You have nothing to gain by opening up to HR. They are a necessary overhead to com...
by sunny_socal
Fri May 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2266

Re: Where to get oil change?

A new oil change shop is not going to fix your problem. You must tell them what you want done, don't wait for them to figure it out. IMO you should stop listening to the oil/tire change techs and take ownership of your automobile maintenance. You can still have them turn the wrench, but follow the m...
by sunny_socal
Fri May 19, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 8628

Re: Resigning from a job: best practices and advice?

You're feeling guilty, and you've conjured up a situation that likely will not play out. When you give notice, the conversation will likely not go "how long have you known? Did you take vacation knowing you were just coming back to quit? How could you do that to us?!?!?" I've never once h...
by sunny_socal
Thu May 18, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 135
Views: 14138

Re: Capital One 360 $200 bonus

Is it possible to have the 360 Checking while keeping the 360 Money Market? (I think I already have the latter) And for a 'soft pull' I need not unfreeze my credit, correct? Thinking of pulling the trigger on this one, the $200 360 was pretty easy. I'll quote myself here! - I opened the 360 checkin...
by sunny_socal
Thu May 18, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 2479

Re: Window tint (film) on house windows?

Our price was < $500 installed for the following:
- One very large kitchen windows
- Glass door in kitchen
- Two Large living room windows
- Two Smaller living room windows

I could have probably had the whole house done for about $3k but we don't need the tint elsewhere
by sunny_socal
Wed May 17, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 135
Views: 14138

Re: Capital One 360 $200 bonus

This $400 Capital One checking offer is targeted, but many are getting the bonus while not being targeted, all least not to their knowledge. I decided to apply without every receiving an email or snail mail. After payroll direct deposit went through, I received the $400 in 6 days. Cha Ching! http:/...
by sunny_socal
Wed May 17, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6670

Re: Anyone else agree with my logic on silicon valley housing?

I'm a little confused as I read through this thread. You are seriously considering moving in 1 year, and even if you stayed beyond 1 year you are probably ready to move on sometime in the next 1-4 years? It seems a bit odd to be considering buying a home, which essentially sounds like "trying ...
by sunny_socal
Wed May 17, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 2479

Re: Window tint (film) on house windows?

We got tint on the southern side of our house. When we bought the place there were mesh blinds installed on the exterior, they were broken and I removed them prior to painting the walls. The tint: - Softlite 35 by Sunscape, SF 35 DA SR - Solar energy: transmitted 23%, reflected 33%, absorbed 44% - V...
by sunny_socal
Mon May 15, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6670

Re: Anyone else agree with my logic on silicon valley housing?

If I didn't have family firmly rooted out here in CA I'd move to TX in a heartbeat.
by sunny_socal
Mon May 15, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: 1999 Honda Accord 175,000 miles CEL Code P1456
Replies: 13
Views: 1366

Re: 1999 Honda Accord 175,000 miles

IMO not a safety issue: http://www.engine-codes.com/p1456_honda.html Could try to simply replace your fuel cap and see if it goes away. I'd keep driving the car if I were you. (But then again... I put a piece of black tape over my TPMS sensor light and still slept well at night, not everyone can do ...
by sunny_socal
Mon May 15, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 27
Views: 2691

Re: Anyone use "MyPillow" pillows?

I don't have a mypillow, but I did recently get a Panda pillow from Costco.

Show schedule:
https://www.costco.com/panda-life-schedule.html


They are available on amazon as well. Anyway, I'm a side sleeper and I think this is an excellent pillow for the money. :beer
by sunny_socal
Mon May 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4420

Re: Cars: Expense or Asset?

I think you guys over analyzing the OP's post/point. This isn't a debate on GAAP and defining terms. This is the realization by the OP that car ownership generally has a monthly operating cost regardless if you purchase new with a 4-7 year financing + start incurring more maint cost as the warranty...
by sunny_socal
Mon May 15, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2457

Re: Help convince me it's okay (or not): new vehicle

I've kept a couple cars a little too long: - Wife's Honda Civic, needed a complete new engine since she never changed the oil as a single gal :| - My BMW 325i, broken drive shaft, $2.5k (that's a part that I would imagine should last a lifetime...) Both cars were already full depreciated when we did...
by sunny_socal
Mon May 15, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 29
Views: 1958

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

This is all speculation until you read the code. If a tech told me he "reset" the spark plugs I'd make sure to visit a different tech next time. (There is nothing to reset.) I'd wager it's either O2 sensor or bad ignition coils. Go to a different shop or accelerate your plans to buy that n...
by sunny_socal
Mon May 15, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4362

Re: Can you suggest a mortgage lender who does not resell

All my mortgages have been sold, no problems so far.

And I've also refi-d all my mortgages at some point. Are the banks out there complaining? "That *!@# sunny_socal, he never hangs onto the loan!" :D
by sunny_socal
Sat May 13, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4069

Re: Best cities for older tech workers?

Chicago doesn't come to mind in my future plans. Murder capital of the USA? check Terrible weather? check I'll be an older tech worker myself pretty soon and Texas is at the top of my list. Actually Chicago is something like #14 for US cities by murder rate https://en.wikipedia.org/wiki/List_of_Uni...
by sunny_socal
Fri May 12, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4069

Re: Best cities for older tech workers?

Chicago doesn't come to mind in my future plans. Murder capital of the USA? check Terrible weather? check

I'll be an older tech worker myself pretty soon and Texas is at the top of my list.
by sunny_socal
Fri May 12, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4069

Re: Best cities for older tech workers?

Chicago doesn't come to mind in my future plans. Murder capital of the USA? check Terrible weather? check

I'll be an older tech worker myself pretty soon and Texas is at the top of my list.
by sunny_socal
Fri May 12, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4420

Cars: Expense or Asset?

We have many car threads: - Should I replace this car? - Should I buy a NEW car? - Should I buy a luxury car? - How to shop for a car? The responses seem to come from one of two perspectives: 1. The car is an expense (like rent, mortgage, utility bill...) 2. The car is a depreciating asset. (So don'...
by sunny_socal
Fri May 12, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 2936

Re: Price for brakes and rotors?

I do them myself. I just put new rotors on my wife's Honda Pilot, $35 per corner. That's cheaper than having them "resurfaced" at the dealer :shock: I do this whenever the brakes start pulsing or wobbling, maybe once every 5 years. I'll put new pads in when needed, ie. when they are actual...
by sunny_socal
Fri May 12, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 38
Views: 2483

Re: Does a new car purchase make sense?

researcher wrote:Can you please answer the question of what the Year, Make, and Model is of your current vehicle?


Does it matter? We might like it, but OP's wife doesn't :wink:

I've learned the hard way not to force a car decision upon my wife. I'd rather have a happy marriage :beer
by sunny_socal
Fri May 12, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Where should I get the money for closing
Replies: 9
Views: 1339

Re: Buying a House - Where should I get the money for closing

I vote for 401k loan. I've done this many times in a similar situation, it's the perfect "bridge loan." Pay it back a couple months later when you've sold the old house. Done! :beer
by sunny_socal
Thu May 11, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 38
Views: 2483

Re: Does a new car purchase make sense?

I changed cars for a similar reason. I had a Honda Fit as a commuter car, but I realized that eventually one of my kids would inherit the vehicle if I kept it. So I sold the Fit and replaced it with a Honda Accord. I felt fine in the Fit but I feel even better with more metal around me.
by sunny_socal
Wed May 10, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Sell a car to carmax if/when car has a "problem"?
Replies: 22
Views: 2939

Re: Sell a car to carmax if/when car has a "problem"?

I've never disclosed anything when selling/trading a car to a dealer. With the cars I've traded they don't seem to care very much, just a cursory walk around the vehicle, start the engine... that's it. Why? They're not going to sell it anyway, they're going to immediately wholesale it and make it so...
by sunny_socal
Wed May 10, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3222

Re: What to do with older laptop?

Linux Mint worked for me on a computer of similar vintage (ie. came with Vista originally.) When running Mint from CD or USB performance wasn't great. Eventually I used something like 50% of the HD on Mint and it's like a new machine! Boots quickly, runs smooth. Haven't booted into windows on that m...
by sunny_socal
Mon May 08, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Buying New Car With Trade In Options
Replies: 15
Views: 813

Re: Buying New Car With Trade In Options

Yeah I'd keep the cash
by sunny_socal
Mon May 08, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7086

Re: How do Bogleheads buy cars?

Great post, thank you. I am a Real Estate agent and I need a nice looking car. If I were to buy 2017, I am looking at Buick or Kia. I haven't test driven yet....not interested if they feel cheap on the inside. I also found a few used cars like a 2012 Lexus or 2015 Infiniti that look very nice and c...
by sunny_socal
Sun May 07, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: United Mileage Plus CC - worth it?
Replies: 25
Views: 1661

United Mileage Plus CC - worth it?

I haven't traveled much in recent years and hence I haven't thought about 'miles' very much. I have the Costco and Fidelity cards and enjoy the cash back benefits. But I recently did a round trip between US and Shanghai, got myself about 13k miles. On the flight they were pushing the UA Mileage plus...
by sunny_socal
Sun May 07, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 2871

Re: 2018 HSA Contribution Limit Announced

Good

I wonder if 401k limits will be raised at some point
by sunny_socal
Sat May 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2735

Re: Honda vs. Mazda vs. Ford

I have a Honda Accord Sport w/ 6-speed manual, it's sporty enough for me. After your first set of tires wear out replace with Michelin Pilot Sports, you'll be just as fast as all the Teslas and Porches! :D (At least here in SoCal where we all muddle through the same traffic, LOL!) Whatever you get, ...
by sunny_socal
Sat May 06, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1317

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

Congrats! You're being taken for a ride with those fees. Escrowed funds are ok if that's how you decide to pay your taxes & insurance, but the rest of it is very high. Is it too late to find another lender and/or escrow company? (Usually the realtors & escrow companies are in cahoots with ea...
by sunny_socal
Sat May 06, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3098

Re: Swing Set 2700.00??

We got one for $500 from Toys-R-Us on sale, it was about the same size as the $1200 Costco versions. Dry rot eventually ruined it, but by that time the kids were too big to play on it. Money well spent :D
by sunny_socal
Fri May 05, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Incentivising Kids
Replies: 22
Views: 1399

Re: Incentivising Kids

Your kids are still a little small for all that, I think. My kids are 10 years older, I pay them to mow the grass and wash the cars, these are things I would otherwise need (choose) to pay someone else to do. Chores within the house they are expected to do 'for free' (empty trashes, do the dishes et...
by sunny_socal
Fri May 05, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16985

Re: Buying a luxury car (how dumb would it be to do this?)

Lease it. LEASE LEASE LEASE LEASE LEASE. As others have said you get a 3 year test drive, which allows you to learn its quirks/problems while it's still under warranty . You preserve your liquid savings. Your cash flow is more than adequate to pay the monthly cost (lease payment + taxes + increase ...
by sunny_socal
Thu May 04, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16985

Re: Buying a luxury car (how dumb would it be to do this?)

Mr.BB wrote:
That much for a 4 Runner or a Pilot? Then why are we having this discussion....get the BMW!


And the Jeep Grand Cherokee SRT starts @ 66k:
https://www.jeep.com/grand-cherokee-srt.html

We looked at one JGC that was 80k! :shock: (did not buy but wifey liked it)
by sunny_socal
Thu May 04, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16985

Re: Buying a luxury car (how dumb would it be to do this?)

Don't think of the spending cost as 55,000 to $65,000 for the car. The real cost difference is what you would have spent for the other car versus the one you really want. So it may be a $30,000 difference that you're really conteplating (not counting insurance and maintenance costs). This. A fully ...
by sunny_socal
Thu May 04, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16985

Re: Buying a luxury car (how dumb would it be to do this?)

I've learned to take opinions with grain of salt when it comes to things like this. Some people will say "Go get that car and enjoy it", others will say "You're too poor, don't do it." What's the right answer? Maybe get a CPO BMW just so you can scratch the itch but not lose so m...
by sunny_socal
Wed May 03, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Most "technologically savvy" bank?
Replies: 32
Views: 3026

Re: Most "technologically savvy" bank?

I'll rate the banks I know: - BofA: Website seems ok, cashing a check via their app isn't reliable... must still fill out paper form at branch to make deposit! :oops: - Chase: Website seems ok... personal bankers at branch are great! :D - Fidelity: Confusing website but has everything I need - Etra...
by sunny_socal
Tue May 02, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12164

Re: Cost of car compared to Gross Income

While I agree, your language is pretty offensive. Why shouldn't someone who is successful drive a non-luxury vehicle? Do I "look like a peasant" because I walk to work (and pretty much everywhere else)? Pretty sure my employees who honk at me on my walking commute (probably my favorite <1...
by sunny_socal
Tue May 02, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3358

Re: Buying a diamond ring

+1 for Blue Nile, then go to a local jewelry shop to get the ring. You'll save thousands.
by sunny_socal
Tue May 02, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Is 401k loan really a bad idea?
Replies: 57
Views: 3267

Re: Is 401k loan really a bad idea?

I've used 401k loans many, many times - usually in conjunction with a home purchase or refi. There's no easier way to get a big chunk of $$ with no impact to your credit score or any other adverse effects. I usually pay it back within 1-2 months. I'm still paying 4-5% interest on it so "losing ...
by sunny_socal
Mon May 01, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3129

Re: Kamado grill

Any idea when this thing goes on sale? I got mine July 6 of last year. BTW, it weighs 280 lbs - I had the guys at Costco load it into my truck and I took apart the box right there in the bed when I got home. Wife & kids were able to help me handle the various sections of the grill. (You'll get ...
by sunny_socal
Mon May 01, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 1856

Re: Would you exchange a 2001 4Runner for a 2006 Santa Fe?

No. 4Runner is one of the best vehicles on the road.

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