Search found 65 matches

by tapotti
Sun Dec 13, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Should we increase savings?
Replies: 61
Views: 2691

Re: Should we increase savings?

I'm for using the cleaning service. My service is also about $200 a month and I think it's worth it. We have two young kids and it takes a good amount of energy to thoroughly clean the house while balancing work and family responsibilities. Personally, I would rather use that free time for recreatio...
by tapotti
Mon Aug 03, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

Low fees, essentially 900 bucks and then the costs from the title company.

No other strings that I can see. You obviously have to have a checking/savings account with them, but you only need to have like 25 bucks in there
by tapotti
Mon Aug 03, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

Got a 2.875, no points from SAFE credit union.
by tapotti
Mon Aug 03, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

Chase just quoted me 3.25, no points, no relationship.
by tapotti
Sat Aug 01, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

Citi just quoted me 3.25, no points, for relationship mortgage (60k transferred about week before closing).

Will check on chase tomorrow or Monday.
by tapotti
Sat Aug 01, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

I have an Amazon chase card too.

I guess chase is the one for me to check out
by tapotti
Fri Jul 31, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Re: Jumbo Mortgage for PURCHASE...not refinance

Interesting. I applied to Chase couple days ago, but the loan officer assigned isn't back until Sunday. Ugh. Will be interesting to see what he can offer.
by tapotti
Fri Jul 31, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage for PURCHASE...not refinance
Replies: 18
Views: 1620

Jumbo Mortgage for PURCHASE...not refinance

I see the mega thread for refinancing, but I'm more interested on recent experiences acquiring a jumbo loan for a personal residence purchase. I'm in Northern California if that matters. What sort of rates are you guys seeing? I've applied to a bunch of places, and right now, Ally is my lowest rate ...
by tapotti
Wed Feb 26, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 254
Views: 25697

Re: Tesla Model Y

The Kia Niro EV gets surprisingly little press. It's only available in 12 states or so, but it's a great vehicle. Base model price is $38,500 MSRP and $44,000 for the premium trim. I test drove it and thought it was a great vehicle. Still qualifies for a full tax rebate. It's not a sporty drive, but...
by tapotti
Thu Feb 13, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: HR Block, Keogh account related tax question
Replies: 4
Views: 259

Re: HR Block, Keogh account related tax question

Thanks! That's very helpful. One more question: Based on the income of $10,000, I calculated my employer FICA tax component as $765. I had $513 in other business expenses. How much can I contribute to my profit sharing? I had contributed $1745 but my software is saying I can contribute $3465. What i...
by tapotti
Wed Feb 12, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block, Keogh account related tax question
Replies: 4
Views: 259

HR Block, Keogh account related tax question

This is a rather specific question, so hopefully there's someone here who really loves taxes and HR Block software :D . Quick summary: I had an independent contractor side gig where I made $10,000. This is reported on a 1099. I have a Keogh account and want to make a profit-sharing contribution to t...
by tapotti
Thu May 16, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Not sure about you, but I'm just going to get more frequent oil changes every 4000 miles or so rather than the recommended 6-8000.

I don't think there is a fix for this engine, and I doubt there ever will be.
by tapotti
Wed Jan 30, 2019 1:26 am
Forum: Personal Investments
Topic: California high tax bracket, where to park cash?
Replies: 18
Views: 2953

Re: California high tax bracket, where to park cash?

I'm in the same situation. Would also like to know this.

Right now, most of my savings is in ally CDs. Haven't plunged into the various municipal bonds yet.
by tapotti
Sun Dec 02, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 5076

Re: Please Recommend a New Car for Me

Don't get a Honda CRV. Any of the other options are fine.
by tapotti
Fri Nov 30, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 4263

Re: Car advice - new attending - what to buy?

Yes, avoid purchasing a CRV from 2016-2019. There's a whole thread on Bogleheads about an engine flaw (oil dilution) which could lower the lifespan of the vehicle.
by tapotti
Thu Nov 01, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing thus far and what can I do to reduce taxes?
Replies: 35
Views: 3506

Re: How am I doing thus far and what can I do to reduce taxes?

I also have a 401k, 403b, and 457b. My understanding is that you can only contribute $18500 total between the 401k and 403b. You can add another $18500 to the 457b, that is a separate entity. In my case, my employer also contributes 36k to the 401k, thus maxing that to 55k. Here's a question for you...
by tapotti
Fri Oct 19, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

No symptoms. Just an incidental finding along with the diluted oil.

The rear main seal keeps oil sealed inside the rear of the engine, where the crankshaft connects with the transmission.
by tapotti
Fri Oct 19, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Yes, it was an independent mechanic. They specialize in Honda and Toyota. They said some other customers were also asking them about the issue. But today, they were just shocked at how my oil looked. I requested they document what they found. Of note, they said that almost every newer CRV they servi...
by tapotti
Fri Oct 19, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

If you are interested, below is a link to a recent Consumer Reports podcast where they talk about the CRV for about the first 7 minutes. https://www.youtube.com/watch?v=AqzZm5j1Bl8&t=550s I just had my oil change done today, at 8800 miles. The mechanic literally wrote out the following on my rep...
by tapotti
Wed Oct 10, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Glad to see these various news outlets posting this story.

Hope that Honda's fix is real and actually solves this issue.
by tapotti
Tue Sep 11, 2018 8:00 pm
Forum: Personal Investments
Topic: Help with 1099 (Schedule C) taxes
Replies: 4
Views: 582

Help with 1099 (Schedule C) taxes

Hi all, I'm a physician who has always had W2 income. This year, I'm going to have a little bit of side income as a self proprietor. I know I'm supposed to pay quarterly estimated taxes on this income, but I'm a little bit confused on how to do so and I have a couple questions. A little about me: To...
by tapotti
Sat Aug 25, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Does the oil analysis say specifically what percentage is fuel? Or just ">5%".
by tapotti
Tue Aug 21, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The theory makes sense. But if lubrication is that poor, why aren't more CRVs failing? Are Honda engines so well designed that they withstand even the harshest of conditions? :wink: Perhaps there is some confounding factor. As monkey business said, the theoretical severity of the problem does not ma...
by tapotti
Tue Aug 21, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

That's my concern, is that Honda can easily just blame someone else for overfilling, unless you get your oil changed at Honda. I hate going to the dealership, but it might be the only way to prevent them from using that argument. Are you going to get another lab analysis of your current oil? Also, h...
by tapotti
Tue Aug 21, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Look at post #20 in this thread: https://www.crvownersclub.com/forums/137-2017-present-official-specs-features-etc-gen-5/157545-what-dipstick.html#/topics/157545?page=2 This is where I got the dipstick number from. I couldn't verify firsthand, but it was still helpful to know and that matched the nu...
by tapotti
Tue Aug 21, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

My dipstick is also reading at the junction of the orange plastic and metal. This equates to about 1/2 quart of oil overfill. Had my oil checked by a mechanic yesterday to confirm this. Interestingly, it seems that many others have a similar reading. My oil doesn't have a strong gasoline smell, but ...
by tapotti
Mon Aug 20, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I'm also looking into getting an extended warranty from GEICO (mechanical breakdown insurance). Still eligible as long as purchase date is within 15 months and 10k miles.
by tapotti
Mon Aug 20, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I'm assuming most of us with an affected CRV have 1 to 2 years left on warranty. I have 2 years left and not close to 36k miles. Why rush to make a decision? I am annoyed as much as anyone else, but if you are assuming the problems will only manifest after the warranty is over, then drive the vehicl...
by tapotti
Sun Aug 12, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So do you think using premium fuel is a big help? I'm starting to do that.

Are you planning on using 0w20 oil in the future?
by tapotti
Sat May 12, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

My 2017 EX-L also seems okay right now.

Still curious if anyone has successfully used premium gasoline to solve the problem.
by tapotti
Sun Apr 22, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Yes, no significant problems here either. Driving in northern California with about 4700 miles over 7 months. Also will keep following thread.
by tapotti
Fri Apr 20, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Have you tried using premium gas? If so, did it improve the situation?
by tapotti
Sat Apr 14, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I had my oil checked by dealer yesterday. I had him check the dipstick front of me. Said the oil was "perfect". I couldn't argue, looked like the oil was at the full line. When I said it smelled of gas, he offered a generic BS explanation. Told me that I just need to get used to the smell....
by tapotti
Thu Apr 12, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Going to have my oil checked tomorrow.

I've already made complaints on the various websites just to get the ball rolling.
by tapotti
Wed Apr 11, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

THANK YOU FOR POSTING THAT LINK!

I was on carcomplaints earlier today and couldn't find anything about a class action. Glad to know there is one finally. Hopefully, it brings even more attention to this issue.
by tapotti
Wed Apr 11, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

On repeat check, my oil is above the top line, enough to coat the topmost circle and a little more (also about 1/4 inch). It's not at the top edge of the orange bar.

Either way, I agree this is really irritating. I'm going to call up my dealer tomorrow.
by tapotti
Wed Apr 11, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1198
Views: 193302

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I bought a CRV EX-L 2017 during labor day of last year. I live in California and it's the family car, so it's generally used for longer trips rather than shorter trips. I have a little over 4500 miles on the car. As of now, I'm not sure if my vehicle is affected (or affected to the degree of other d...
by tapotti
Sat Feb 10, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: overcontributed into my 401k....
Replies: 2
Views: 498

Re: overcontributed into my 401k....

Doesn't the IRS round down for amounts between 1 and 49 cents?
by tapotti
Mon Jan 29, 2018 1:31 am
Forum: Personal Investments
Topic: Help Choosing Tax-Exempt Fund in California
Replies: 1
Views: 600

Help Choosing Tax-Exempt Fund in California

Hi all, I have the Fidelity Visa 2% cash back credit card. This cash back money goes directly into a taxable account at Fidelity. Since it's not a large chunk of money, and since it's the most liquid investing account I have, I want to put the money in a fund which is tax exempt on a federal and sta...
by tapotti
Sun Jan 28, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: dual income california withholding calculator
Replies: 1
Views: 366

Re: dual income california withholding calculator

I wasn't able to find such a calculator.

I used the de-4 form and calculated manually. It's kind of a pain unfortunately.
by tapotti
Sun Dec 03, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

It's supposed to take up to 8 weeks. Give it a little more time before calling in.

I still haven't gotten mine either, made first purchase 2 to 3 weeks ago.
by tapotti
Fri Nov 10, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

As far as I can tell, the promotional companion pass is only valid thru Dec 31, 2018. As such, it shouldn't matter whether you make your first purchase now or later.

However, it seems that you should try to spend the first $1000 at the beginning of 2018, that way your 40k points are acquired then.
by tapotti
Fri Nov 03, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

So are people going to make their first purchase with the card in January?
by tapotti
Thu Nov 02, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

Confused again....

It says the promotional companion pass is valid until December 31 2018.

Why would one assume that doing your first purchase in Jan would give you access through 2019?
by tapotti
Thu Nov 02, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

Okay, so in summary: 1) Once you acquire card, make one purchase now to get companion pass through Dec 31 2018. 2) Spend $1000 in January 2018 so that the 40k points post at that time. 3) Earn another 70k points in 2018 (perhaps by applying for a Southwest business card to net another 60k points aft...
by tapotti
Wed Nov 01, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

Just got approved as well.

Are you sure about that 2 years deal?