Search found 2010 matches

by DiscoBunny1979
Sat Jan 25, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 131
Views: 8596

Re: Some possible luxury SUV choices to buy: Opinions?

While some folks on here have posted they hate the grill on the Lexus, I have to point out that my experience living in the Palm Springs area indicates that there are a lot of folks that own Lexus and therefore there are probably a lot of folks that don't mind the grill and have bought/leased the Le...
by DiscoBunny1979
Fri Jan 24, 2020 11:28 pm
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 242
Views: 11219

Re: Who’s Buying Bitcoin?

In my opinion, an approach to 'invest' in Bitcoin is to Dollar Cost Average the same way You would buy into an S&P Index fund. But my holdings in Bitcoin is not for 'investing'. I treat my Bitcoin like Gold/Silver. It's insurance against the unknown - like the collapse of the dollar. And because of ...
by DiscoBunny1979
Sun Jan 19, 2020 3:42 pm
Forum: Personal Investments
Topic: Deploying a $40m windfall in current market conditions
Replies: 60
Views: 8498

Re: Deploying a $40m windfall in current market conditions

I question why someone would even post to the Internet a question to unknown people how to 'invest' that sum of $$. But for what it's worth, the issue is about one's goals. When is having money enough money to have? What is the final goal here of that $40M? 80M? 160M? Or, is it just to retain its cu...
by DiscoBunny1979
Fri Nov 22, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: What are you paying for car, home and umbrella insurance?
Replies: 35
Views: 2591

Re: What are you paying for car, home and umbrella insurance?

I suppose the OP is asking for a comparison in pricing . . . but since I live in CA my approximate expenses: car insurance: one SUV 114,000 miles 15 years old: $1100.00 Home Insurance: $300K $1600.00 Home Insurance (earthquake): $700.00 no umbrella liability (yet) Total per year: $3400 or $283 per m...
by DiscoBunny1979
Tue Oct 29, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: bipolar/alcoholic/broke/jail time - how to move forward financially?
Replies: 37
Views: 4642

Re: bipolar/alcoholic/broke/jail time - how to move forward financially?

Guardianship. Had a relative bipolar and manic. Nothing you can do to make them self sufficient. This is so wrong. Like others have noted, getting evaluated is one of the first steps to getting on a good path. The other first step of course is that the person has to admit they have a problem (not o...
by DiscoBunny1979
Sat Oct 26, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Should we downshift and move to Europe?
Replies: 40
Views: 5407

Re: Should we downshift and move to Europe?

I was in the Army stationed in Germany in the 1980s and I would have, upon leaving the service, moved back to Germany to work and live. Absolutely enjoyed living in a place where owning a Car wasn't necessity. But as Germany's wall was taken down there was a change - Graffiti that was never an issue...
by DiscoBunny1979
Sat Oct 26, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much deferred maintenance would make you walk away from a home deal?
Replies: 30
Views: 2500

Re: How much deferred maintenance would make you walk away from a home deal?

"You should do a walk-through of the property with your inspector and perhaps a contractor. They should be able to give you a good sense of whether the current or prior owners deferred maintenance and an idea of future capital expenditures." This is not necessarily the case. In California for instan...
by DiscoBunny1979
Sat Oct 19, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 50
Views: 5863

Re: Cheap Cell Phone Plan

I bought HSN's Samsung Galaxy J7 Crown 5.5" 16BG Tracfone with 1500 Min/texts/data for $109.99/free shipping

I don't think you can beat the tracfone Samsung phone and minute yearly plan. You don't have to renew. Just buy whatever Galaxy phone every year for about $120 and get the minutes with it.
by DiscoBunny1979
Mon Sep 23, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: solar installation, question on added roof structural support
Replies: 20
Views: 1347

Re: solar installation, question on added roof structural support

Just curious. What happens if you need roof work? You have to pay someone to remove and then reinstall them? Yep. Usually the solar installer will do it for a nominal charge. That's why the general recommendation is to have an older roof redone before the panels are installed. Nominal charge? Befor...
by DiscoBunny1979
Thu Sep 19, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: moving retired/elderly parents to soCal? sane or insane?
Replies: 29
Views: 2667

Re: moving retired/elderly parents to soCal? sane or insane?

I live in Southern California and have lived in all kinds of locations including Palm Desert, Fontana, Chino, and the hi desert area. In my opinion, the HOT weather in summer living in Palm Springs area makes it a difficult fit for some folks because you have to drive and be in air conditioning all ...
by DiscoBunny1979
Thu Sep 05, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: semi-DIY solar panels
Replies: 39
Views: 3444

Re: semi-DIY solar panels

IMO the biggest risk is changes to the regulatory structure affecting compensation rates. Will your system still pay for itself if you only get paid the wholesale rate for electricity you put back into the grid? Can this problem be addressed by "undersizing" the system so that it never generates mo...
by DiscoBunny1979
Wed May 01, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 10060

Re: My solar investment experience

One item I have not seen mentioned here has anyone had to remove and replace their panels to redo their roof? I have seen some numbers online as high as $6K extra :shock: :shock: I guess if you have the space there are a number of advantages to a ground mount system... We went with a company that d...
by DiscoBunny1979
Mon Apr 22, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: House renovation financing
Replies: 24
Views: 2983

Re: House renovation financing

In renovating a house, I've found a few things to be true unless you know exactly your buyer and styles remain constant . . . no one will like your choice in granite counter top colors. No one will like your choice of kitchen cabinet style or colors. No one will like the colors on your walls. No one...
by DiscoBunny1979
Sun Mar 31, 2019 2:05 pm
Forum: Personal Investments
Topic: Military Advice
Replies: 9
Views: 1424

Re: Military Advice

I mean no disrespect with this post. I'm former Military myself. But I made a conscious decision years ago to not be relying on the Military for anything - not even a pension. With that said, your post really is talking about the future and the future you wish to have with something you probably con...
by DiscoBunny1979
Sat Mar 09, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just buy the townhouse I'm currently renting
Replies: 33
Views: 3195

Re: Should I just buy the townhouse I'm currently renting

The other thing to consider is a look back period in price of the townhouse. What were the townhouses selling for during the last Financial Crisis? Should there be another Crisis of equal or greater proportion without a backstop by the Fed or some other Government program, the property value could t...
by DiscoBunny1979
Sun Nov 18, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: sell current home before buying new home?
Replies: 17
Views: 1625

Re: sell current home before buying new home?

Sure you can attempt to sell your house first . . but what if it does like what happened to me years ago. I put in an offer on another house with the only contingency being the inspection. Put my house on the market . . but guess what, it sells with a 15 day close! That meant I had to move out of my...
by DiscoBunny1979
Sat Sep 15, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4859

Re: Is home alarm monitoring worth it?

The issue is having a security system that is a deterrent to crime. No system is 100% perfect. I have cameras in and around my house. Some are completely wired, others are wireless. But there is something both systems have in common. Both have to have a source of power. That means if you go wireless...
by DiscoBunny1979
Mon Jul 10, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 11442

Re: Solar panels

I live in Southern CA and have Edison :-( Purchased Solar Panels 2 years ago and so far very happy. To me, the Math was simple Got an estimate from Edison in terms of going on their "level pay" plan whereas each month would be the same amount. The result in asking was that they wanted $350.00 a mont...
by DiscoBunny1979
Tue Aug 23, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 10425

Re: Homeowners should consider flood insurance

I've looked into it a couple of times, but have rejected it because the coverage for a finished basement is poor and our first and second floors would not be vulnerable to flooding. We aren't in a flood zone to begin with--we're on a mild hill, over 400 feet above sea level, and not near any signif...
by DiscoBunny1979
Thu Aug 04, 2016 12:44 am
Forum: Personal Consumer Issues
Topic: Community Solar [Should I buy a solar farm]
Replies: 13
Views: 1352

Re: Community Solar [Should I buy a solar farm]

1) If solar was such a great investment, utilities would have blanketed the entire southwest US in them. This is not a true statement as the reason the southwest isn't blanketed by solar is because 1) the environmentalists argue that covering the ground with miles of solar panels disrupts the natur...
by DiscoBunny1979
Tue Jul 05, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 9560

Re: How to negotiate result of big item home inspection

In CA you can make a house contingent upon a home inspection. Therefore anything that comes up in an inspection is fair game to ask the seller to correct. IF this was a house that required a loan, if important things like an HVAC or water heater was not working, some loans would not go through, like...
by DiscoBunny1979
Mon Jun 27, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Home Sale Strategy
Replies: 9
Views: 1981

Re: Home Sale Strategy

I would make sure that the rule for claiming the house as Primary Residence does NOT mean living in the house for 24 consecutive months. If my memory is correct, the law might only allow for 24 consecutive months to avoid something like the OP is suggesting that he/she can rent the place for 2 1/2 y...
by DiscoBunny1979
Sat Jun 25, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: house affordability question
Replies: 39
Views: 3422

Re: house affordability question

Just because the OP and the wife likes living in SoCal, doesn't mean that that feeling about the neighborhood they want will stay the same. As people age, many tend to want less noise and less traffic congestion. Also, depending upon health status, people need to find housing whereas it's a usable s...
by DiscoBunny1979
Wed Jun 22, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 10752

Re: best wristwatch for the price

My vote(s) is for the Citizen EcoDrive Chronograph with stainless steel wrist band or something by Invicta
by DiscoBunny1979
Tue Jun 21, 2016 12:35 am
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 9315

Re: Where (safely and legally) to keep "cash"?

In my opinion, investing in 1) a security camera system whereas it records on your personal DVR, 2) dogs, and 3) a good fence are great ways to protect your belongings - whether it be cash or something else. But if you have to put cash somewhere, my first response would be a combination safe that ca...
by DiscoBunny1979
Wed Jun 15, 2016 12:22 pm
Forum: Personal Investments
Topic: All I have to do is get to 70?
Replies: 27
Views: 5307

Re: All I have to do is get to 70?

Of course taking the side of the devil's advocate, whereas it is not all flowers and bunnies . . . Social Security is expected to pay out more than it receives by 2020. By 2035, some say that Social Security will run dry. Therefore, one might want to take into account that there could be some cut in...
by DiscoBunny1979
Sun Jun 12, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Renew flood insurance?
Replies: 10
Views: 1163

Re: Renew flood insurance?

I have Earthquake insurance on my home (15% deductible) and so, even though I'd have to have about 45K in damage before it would pay 1 cent, it's worth it to me as "insurance" against total loss. Put it this way, if the house was flooded to such an extent that it was a total loss or red tagged, coul...
by DiscoBunny1979
Sun Jun 12, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 6328

Re: 3 Row SUVs - Help Educate Me

I own a Nissan Xterra and absolutely love it for its versatility. I'm wondering why folks haven'g mentioned the Nissan Aramada. I've been looking at new SUVs as well, but am concerned that the price I'd have to pay for something that meets my expectations would be close to the $40-$50 range for a ne...
by DiscoBunny1979
Sat Jun 11, 2016 1:32 pm
Forum: Personal Investments
Topic: investing in platinum
Replies: 19
Views: 2466

Re: investing in platinum

Do this first. Go to Apmex and click on historical charts on the right. Click 5 year. Realize that ignoring inflation, an investment in platinum 5 years ago is worth half today. At the top of the chart, click gold. Click 5 year again as it reverts to 6 months. Gold did better, only dropping from $1...
by DiscoBunny1979
Wed Jun 08, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of house sale proceeds
Replies: 7
Views: 2036

Re: Taxation of house sale proceeds

Is the house he purchased for $1 an actual sale; whereas it was a transaction made with a Deed and therefore given to the county for recording? If so, what were the ramifications of paying property taxes on such property? Was the property still valued at "market" at time of sale, so that the propert...
by DiscoBunny1979
Fri May 20, 2016 2:23 pm
Forum: Personal Investments
Topic: Defined benefit plan. Should I "buy" extra years of service?
Replies: 22
Views: 4326

Re: Defined benefit plan. Should I "buy" extra years of service?

I began working for my current employer 11 years ago and it makes all contributions on my behalf to that plan. then you said I am considering buying 10 extra years of service The question I have is since the employer makes all the contributions to the plan, and then you will be buying the extra yea...
by DiscoBunny1979
Wed May 11, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Lake Cabin and Rent It Out? Stupid?
Replies: 15
Views: 4965

Re: Buy Lake Cabin and Rent It Out? Stupid?

"Hi, I'm 60, and I want to spend a quiet weekend at the lake with my daughter and grand-daughter." Accepted! This is a warning. Just because someone says they are going to spend a 'quiet weekend at the lake with my daughter . . ." doesn't mean that the daughter won't bring her friends AND that the ...
by DiscoBunny1979
Mon Apr 18, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 3408

Re: Solar Price Per Watt?

I agree with Cindyjrn. I took bids from Sunrun (Lowe's), SolarCity and a California Installer called Solar America (Petersen Dean). The problem with suggesting that costs should be this or that for labor is that it's not just the time the installers take. For instance in our 40 panel installation, p...
by DiscoBunny1979
Wed Feb 17, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 10468

Re: Contacted by three heir locators

This has been suggested, but I would contact the California Probate Court whatever County the case is in. In some California County websites, one can search on a case by case number. I would explore online first and see what comes up.
by DiscoBunny1979
Tue Feb 09, 2016 8:53 pm
Forum: Personal Investments
Topic: Move to another house after 10 months??
Replies: 35
Views: 3767

Re: Move to another house after 10 months??

I would stay in current home if you wouldn't be able to afford potential problems with a Septic system or Well Water. Septic Systems, even after an inspection, can have problems. Having the Septic inspected though, is a must to qualify for a loan - at least in my state. Certain questions to ask conc...
by DiscoBunny1979
Tue Feb 09, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 140
Views: 108534

Re: Banned from Home Depot Returns

Home Depot use to be the Bank of Home Depot when you could return any item without a receipt and get CASH. They have tightened up the return policy and it could be that because the purchase was used using a credit from a points card that that is the problem. The only return possible is to either rel...
by DiscoBunny1979
Tue Feb 09, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: Bar/Bat Mitzvah gift question
Replies: 21
Views: 17660

Re: Bar/Bat Mitzvah gift question

Chai is a Jewish word for life. Adding up it's numerical value (not sure how that is done) comes to 18. Because of that; it's traditional to give gifts, donations, etc in increments of $18 ($36,/72/90/108...) While that might be a traditional way of doing things, for the person that's not familiar ...
by DiscoBunny1979
Mon Feb 08, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 9310

Re: 10% Mortgage Down payment

Most people do not put down the full 20%, I don't know what most people you are referring to. In my opinion, 20% is the minimum one should put down on a house. And, if one can not afford a 15 year mortgage and are considering a 30 year mortgage to double down on it, then they really can't afford th...
by DiscoBunny1979
Fri Dec 25, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Burial plans and Being buried in a National Cemetary
Replies: 16
Views: 2016

Re: Burial plans and Being buried in a National Cemetary

I remember reading somewhere that in certain places, like California, being buried in a National Cemetery is getting increasingly difficult as some facilities are filled to capacity for a regular service. Therefore, many are turning to cremation with ashes saved in a National Cemetery. This supposed...
by DiscoBunny1979
Sun Dec 13, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panels purchase as an inflation indexed bond
Replies: 23
Views: 2606

Re: Solar panels purchase as an inflation indexed bond

I find it very difficult to believe any power company will get away with charging huge fees to solar users.If that is allowed we are going to have some really serious problems. https://www.washingtonpost.com/national/health-science/utilities-sensing-threat-put-squeeze-on-booming-solar-roof-industry...
by DiscoBunny1979
Sun Dec 13, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panels purchase as an inflation indexed bond
Replies: 23
Views: 2606

Re: Solar panels purchase as an inflation indexed bond

Other risks include: 1) How much sun is actually available during the day in terms of PEAK HOURS - how much solar energy is available during the day. This relates to location, the sun's movement in the sky, what's in the atmosphere, etc. This is greatly different from a location in California versus...
by DiscoBunny1979
Sat Dec 12, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 86
Views: 13395

Re: New Military Retirement System

Every sailor has the internet on their smartphones and Google knows everything I know this is a little off topic, but I find this comment quite amusing. So, that's where as a Nation we have advanced to - the need to carry smartphones and rely on Google for all our information? Heaven forbid we run ...
by DiscoBunny1979
Wed Dec 02, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: Paying property tax with credit card to reach spending bonus
Replies: 19
Views: 3119

Re: Paying property tax with credit card to reach spending bonus

Before charging one's credit card for the purchase of gift cards, make sure by reading the credit card terms and conditions that there is not an exclusion to buying gift cards as some credit card issuers are waking up and treating some gift cards as a 'cash advance'. This 'cash advance' then comes w...
by DiscoBunny1979
Sat Sep 26, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice about stepping away from work.
Replies: 8
Views: 2182

Re: Looking for advice about stepping away from work.

Years ago I stepped away from work due to health issues. In my case, I really had to decide was it more important to continue making money at a job that wasn't getting any less stressful or step away to a less costly place to live so I could afford to live without working. The choice for me was clea...
by DiscoBunny1979
Sun Sep 13, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance for low risk area?
Replies: 18
Views: 1847

Re: Earthquake insurance for low risk area?

I agree with Alan. Someone with a recently built wood-frame home has much less exposure than someone with a building made from adobe. The serious damage occurs in masonry homes. A moderate quake in unlikely to bring down a wood-frame home, if it is bolted to the foundation. Perhaps, the chimney wil...
by DiscoBunny1979
Wed Sep 09, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective home buyer
Replies: 23
Views: 2932

Re: Perspective home buyer

I'll take a stab at why it hasn't sold. There could be a number of factors but right off the top of my head is that people buying in 1 million price range can afford to be picky. They want what they want and some will not settle. That means if you are in competition with other like properties, there...
by DiscoBunny1979
Mon Sep 07, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buyer's agent for real estate??
Replies: 10
Views: 1729

Re: Buyer's agent for real estate??

The buyer's agent gets paid whatever house you buy, so it is not in their interest to push you into a bad house or a house at a bad price. Thus, your interests and the buyer's agent's interests are in fact aligned. -jalbert This is not necessarily true. A buyer's agent, especially in California can...
by DiscoBunny1979
Fri Sep 04, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: When will be a good time to buy a house in the South Bay Area?
Replies: 26
Views: 3975

Re: When will be a good time to buy a house in the South Bay Area?

Home prices are so expensive in coastal cities because the demand is so high. If you think the Bay Area is going to becoming undesirable in the near future, you should do the logical thing and preempt it. And just move to a better/cheaper city today! Many People Have! I've known many folks that aft...
by DiscoBunny1979
Thu Sep 03, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: When will be a good time to buy a house in the South Bay Area?
Replies: 26
Views: 3975

Re: When will be a good time to buy a house in the South Bay Area?

The time to buy a house is when you plan to stay in the area a long time and you can afford the home, 30 year conventional 20% down, 1/3 monthly income. It's a place to live, not an investment. I ignore what the market is doing. My mortgage payment has to be paid regardless of what the housing mark...
by DiscoBunny1979
Thu Sep 03, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: For Pension: tax withhold or do quarterly estimated?
Replies: 16
Views: 1515

Re: For Pension: tax withhold or do quarterly estimated?

In my opinion, it is much easier to have some tax withholding each month. In some instances, it is required to withhold at least a certain percentage. The OP would have to contact the plan administrator to determine if there is such a requirement. However, the US Government doesn't like to wait to g...