Search found 267 matches

by jbuzolich
Tue Sep 18, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: CalSTRS Pension - Does refund of contributions make sense?
Replies: 7
Views: 663

Re: CalSTRS Pension - Does refund of contributions make sense?

Another thing to consider is access to healthcare. I'm PERS and my wife is STRS but we're both 20 years from retirement. If you leave your funds on account and eventually take the pension you can also pay the healthcare rates for coverage through their offerings. If you cash out completely and are n...
by jbuzolich
Mon Sep 03, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6722

Re: Walmart is not Amazon

My experience has been similar in that Walmart is getting some orders from me now but still has a long way to go in regard to selection and then reliable shipping. Packaging is about even and both do really stupid packaging about half the time. The worst packaging ever though was a Google Express or...
by jbuzolich
Sat Jul 28, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9969

Re: Toughest Purchase of my Life. Engagement Ring time

My wife got mad at me and negotiated back from the original engagement ring I was building at Blue Nile. She would have wanted even less than we settled on but I was kind of into gems in high school so I had some minimum specs that I wanted. Still though she talked me back to the lowest I could do. ...
by jbuzolich
Mon Jul 02, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6958

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Probably already talked to death but yes there is a high level of visibility here on the fees and other charges but they don't seem unreasonable to me. The only one on that screenshot set by the host is the cleaning fee which at $15 seems really low. The service fee is set by Airbnb and they charge ...
by jbuzolich
Sat Jun 30, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3618

Re: Best insurer? Allstate vs chubb vs AAA or others

Another +1 for Amica. I've had a total car loss with them and they made it comfortable as it could be. All our policies are with them and I don't expect that will change.
by jbuzolich
Tue Jun 26, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7267

Re: Tequila and Magaritas

I can't stand Jose Cuervo and can't really say why. Don't care for it and get a headache. El Jimador is my tequila of choice and get the reposado plenty of places locally for $15-$16 usually. Mix that with Costco margarita mix without alcohol and I always get compliments. Even more compliments with ...
by jbuzolich
Sun Jun 17, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2109

Re: Sacramento Home Owners - House Areas/Questions

I think one important reminder for anyone reading this is that all these towns are in the general Sacramento area, yes, but are also a half hour to one hour drive from each other or from Sacramento depending on traffic. We're coming up on ten years in Woodland which is just ten minutes north of Davi...
by jbuzolich
Sat Jun 16, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited jewelry & diamonds--how to value & how to sell?
Replies: 5
Views: 1270

Re: Inherited jewelry & diamonds--how to value & how to sell?

If jewelry is well known designer you might get some value for it but perhaps 50% of retail at most. Jewelry just has terrible resale in my experience. Probably because of the huge markup claimed in the original creation and sales. There are multiple refineries that will buy the metal for 85%-95% of...
by jbuzolich
Sun Jun 03, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: want to buy a larger bed
Replies: 14
Views: 1408

Re: want to buy a larger bed

We have a standard King which is wider. Also sometimes called an Eastern King to differentiate from the California. Regular King is more common name though. California king in the last 15 years seem to be considered the best by many but they are longer at the trade of being slightly more narrow. I'm...
by jbuzolich
Sat May 26, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Professional negotiator
Replies: 21
Views: 2570

Re: Professional negotiator

My reaction on first read through is that there could be interest but general demand would be low without a ton of marketing effort or if you really found a nitch with some group of regular buyers. The sample purchases you listed are often things a typical household would only do once every 5-10 yea...
by jbuzolich
Fri May 25, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Has anyone used www.newacunit.com before
Replies: 5
Views: 534

Re: Has anyone used www.newacunit.com before

Hope the install goes well, but yeah on the discount I was thinking you found it for $1600 when I opened the thread. Couple hundred you could likely do the same or better getting 3+ quotes. We installed a four zone ductless mini-split at our cabin and the quotes ranged just over $10k apart from each...
by jbuzolich
Sat May 19, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2466

Re: Mitsubishi wall air conditioner

Parents have a two zone Mitsubishi mini split at their house in Oregon and love it. We put a four zone Fujitsu mini split in our cabin towards Yosemite and love it. The cabin really wouldn't be as usable as it is now for us without that heating and cooling capability.
by jbuzolich
Thu May 10, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2420

Re: Custom suit needed for a wedding. Help me shop around!!

If you have a Nordstroms local go get fitted and see what the tailor has to say about your friend. Their semi annual men's sale is right around Father's Day and brands such as Hugo Boss can be had for approx. 50% off. I have a 10+" difference between my chest and waist and the tailor does wonders w...
by jbuzolich
Tue May 08, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2382

Re: Vehicle Tires and Dry Rot

Yes absolutely. Follow the manufacturer guidelines please. If you are a low mileage yearly driver it is very likely you will need to replace your tires far before you ever get near the wear bars. If your vehicle is parked full time in the sun they may only be safe for 3-4 years regardless of miles u...
by jbuzolich
Sat May 05, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: dad, can I have some money
Replies: 14
Views: 3460

Re: dad, can I have some money

Scenerio- dad roll-overed 401k to tira via advisor about 4 years ago when he retired at 62. paid like 40k tax on this (dumb advisor) so now sitting with 104k in tira This has me a little confused. The rollover to a tIRA should not have generated any taxes. What were the taxes for? Yeah me too, that...
by jbuzolich
Tue May 01, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: How to book family vacation package?
Replies: 1
Views: 308

Re: How to book family vacation package?

Most likely you will need to shop around on your own and find what works for you. I don't think there is any one best solution. Personally I use multiple options from your list nearly every time we go on vacation. I check package prices on all the big travel websites plus Costco. Usually end up book...
by jbuzolich
Thu Apr 26, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6368

Re: Comfortable Commuter Cars under $50K

Subaru legacy limited. I've done many seven hour drives in mine and find it very comfortable. Eyesight system is great for highway cruising or stop and go bumper to bumper traffic. Just did Sacramento to Disneyland and back with it. Less than two tanks of gas in total.
by jbuzolich
Tue Apr 17, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1247

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price ...
by jbuzolich
Tue Apr 17, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11431

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You can always ask for a discount or to settle. Maybe offer 30% of gross charges as that is likely more than they would get from most other payers. With the situation you described though I would guess that it is highly unlikely. Your insurance is providing you a benefit of paying for part of the bi...
by jbuzolich
Fri Apr 13, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1247

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price p...
by jbuzolich
Sat Apr 07, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7267

Re: Tequila and Magaritas

I prefer a reposado for margaritas and always 100% agave. I recommend El Jimador as my favorite and easily find it under $20 per bottle. I don't like Cointreau in it or most of the mixes. Just lime juice, sugar, and water. The Costco Kirkland margarita mix is in our house all the time. The one witho...
by jbuzolich
Sat Mar 24, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 8612

Re: Costco Kirkland Brand Liquor

rg422 wrote:
Fri Mar 23, 2018 2:43 pm
Costco in California actually sells Kirkland brand cognac. To me, It's not as good as Hennessy XO. I don't recall the price, but it was about a 1/3 of the price of Hennessy XO, so it's definitely great value!
Our Costco always has XO levels of cognac as well for people that are so inclined.
by jbuzolich
Fri Feb 16, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 37
Views: 3872

Re: Amica reocurring double digit increases in homeowners insurance

Long time Amica fan and supporter here. I agree with others and recommend you shop around but keep in mind the satisfaction of customers before you make your final decision. There are lots of Amica supporters on here if you want to message some directly. I hate paying, but my experience has been tha...
by jbuzolich
Fri Jan 26, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 23901

Re: I bought a stock today - Redfin (RDFN)

I love the Redfin app and I loved their business model but I feel like they already abandoned what their core message was about early on. At least the core messaging as it was presented to me. They wanted to be the disruptor and change the industry with technology. I feel like they already abandoned...
by jbuzolich
Mon Jan 15, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 2530

Re: Insurance: Who do you use? (Auto/Home)

Another +1 for Amica. We have home, auto, and umbrella with them. Rates keep going up but they seem to with everyone. I have personally gone through a total loss car claim with them and I continue to recommend them at any opportunity.
by jbuzolich
Sat Jan 13, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2215

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. My routers tend to die within five years regardless but I don't spend much on them either. We turn ours off every night and always when we go on vacation. We...
by jbuzolich
Sat Jan 13, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2215

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. Overheating should not be an issue assuming you have it uncovered with free air flow and not under a piece of furniture or buried in with other items or equip...
by jbuzolich
Wed Jan 10, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12761

Re: New mattress

Highly recommend the Chateau Collection from Stress O Pedic. [url]http://www.stressopedic.com/chateaucollection.html /url]. Funny name but we have two of the cashmere model and they have been very comfortable. Claim to have a twenty year warranty. The one I'm lying in right now is 10.5 years old and...
by jbuzolich
Thu Jan 04, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 3259

Re: Airbnb - Guide a beginner

We are a host on AirBNB for our cabin near Yosemite. I had also started to make a profile on VRBO but never went back to finish since the fees on the owner were higher then. We started hosting summer 2013 and have kept it going. Interesting and mixed experience as a host but it helps pay some of the...
by jbuzolich
Sun Dec 31, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2877

Re: Checked bag to HI, worth cost and trouble?

Our Hawaii trips are only to the Big Island since I feel like I grew up there. We would never be able to make it without checked baggage but I will definitely give a huge recommendation for Costco, Walmart, Target, and Ross on the Big Island. Easy access and very good prices where honestly we saw ze...
by jbuzolich
Fri Dec 22, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2445

Re: Recommend me a good laser printer for a chromebook!

Brother monochrome laser. Very inexpensive and works fine on chromeboxes and Chromebooks once you have it setup for the cloud and shared properly.
by jbuzolich
Tue Dec 19, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 36750

Re: Ally Bank 11 month No Penalty 1.75%

Sounds like I need to check my account to cash in earlier no penalty cd and roll a new one. I love doing that but often only learn about the rate change from this wonderful community. :)
by jbuzolich
Sat Nov 11, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7707

Re: GoDaddy - Any better options for website hosting?

pondering wrote:
Sun Nov 05, 2017 8:06 pm
jbuzolich wrote:
Sun Nov 05, 2017 7:53 pm
...The domain itself and email I setup through Google.
How long have you used this email setup?
About four months is all
by jbuzolich
Sat Nov 11, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4911

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it...
by jbuzolich
Thu Nov 09, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4911

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it ...
by jbuzolich
Tue Nov 07, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 741

Re: messages to mobile hotspot?

I reactivated two mifis with Verizon last week after not touching any for well over a year. Reactivation was quick and easy but while going through the menus to get the setup connection information I noticed both had a message area. It looked easy enough to read messages on but not sure if you could...
by jbuzolich
Sun Nov 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7707

Re: GoDaddy - Any better options for website hosting?

I've been toying with the idea of consulting in any spare time I have. A couple tasks I enjoy doing anyway that doing feel like work to me can save small organizations a chunk of money. I looked mostly at the website builders and ended up picking Wix for the builder and just did their hosting. Reall...
by jbuzolich
Sat Nov 04, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 14191

Re: Got an iPhoneX

The Apple website illustrations clearly show that the iPhoneX is smaller than an iPhone8Plus. It's a good idea to review the specifications and decide which version of a product like a iPhone is suitable for your needs and wants. The latest and greatest might not be. Did you hear about, from a few ...
by jbuzolich
Mon Oct 30, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7972

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I used Google wallet to request money recently and thought it was really easy. Just put in my friend's email and typed how much to ask for. On his side he entered his debit card and I entered mine on the receiving side. Credit came to my account the following day and only used the card already in my...
by jbuzolich
Sat Oct 28, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Need a good cover crop recommendation for home garden
Replies: 20
Views: 1913

Re: Need a good cover crop recommendation for home garden

Been looking for the same thing for our garden beds but can't find a source. I had heard hairy vetch was a good cover but we're open to most things. No stores seem to carry seeds or starters for cover crops.
by jbuzolich
Thu Oct 26, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6838

Re: Index investing is boring

I find a lot of excitement in checking my account every few months and seeing how much has changed without me really doing anything or even watching frequently. I know we're in a strong market and it won't always be this way but I'm shocked how much it has grown each time I look. I get excited.
by jbuzolich
Sun Oct 15, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1057246

Re: What Movie Have You Recently Watched?

Blade Runner. Really enjoyed the sequel as I'm a fan of the original. I definitely did not think it was too long. It ended and I could have happy had it keep going another half hour. I definitely recommend watching the three short films from different directors which depict the gap between the two b...
by jbuzolich
Sun Oct 15, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 8777

Re: What do you buy in Asian food stores?

Most Asian markets near me are actually Southeast asian only. I buy fish sauce, real Sriracha, rice paper wrappers, rice sticks or noodles, and glutinous rice for Thai sticky rice. Now I'm hungry.
by jbuzolich
Thu Oct 05, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 5367

Re: How do you value your time?

I'm actually a little to the opposite of many of these posts. I actually value my time off at a minimum of 2x my working wage. The reasoning is that I value my time off very much and if I'm not at work I would prefer to be resting or working on a hobby. If I'm going to do something of effort during ...
by jbuzolich
Thu Sep 28, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Bathtub/shower rehab - Bath Fitters experience?
Replies: 8
Views: 1098

Re: Bathtub/shower rehab - Bath Fitters experience?

We remodeled two bathrooms at our cabin for about $6000 total, maybe just under. That included removing a tub, removing a shower with fabricated surround, change drain locations, all new tile surrounds for the two showers, glass sliding doors on both, tile floors for the showers and the rest of the ...
by jbuzolich
Tue Sep 26, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5940

Re: Sonoma in October

Ocean in California in the North is cold most of the year. Plan on pants and a sweater or jacket if going to the ocean beaches near Sonoma. They are all nice, but I'm biased growing up in Napa. I live about 90 minutes from there now. No recommendations on wineries or olives but it's nice sunny weath...
by jbuzolich
Tue Sep 26, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3808

Re: BH phone review: Moto G5 Plus

I also bought this phone from Costco in June just before we went on vacation. I've been really happy with it and so far just refuse to spend the $700+ I see friends spending on phones. I'm really glad to still find nice phones around this price point in low $200 range and unlocked as well. Wife and ...
by jbuzolich
Sat Sep 16, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1833

Re: Should I upgrade an old but functional vanity?

I generally agree with the other posts here. If getting ready to sell then just a good cleaning and anything broken gets fixed or replaced. If it's for the benefit of your family then personally I would do it myself. From what I can see in the picture you can do new vanity, sink, faucet, towel ring ...
by jbuzolich
Sat Sep 16, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Parents' Financial Situation
Replies: 11
Views: 1786

Re: Advice on Parents' Financial Situation

What kind of business is it? Sometimes business students from a local college or university are willing to help with a business plan as part of their study. (I'm thinking that someone might be able to take a fresh/new look at the business and suggest some changes to make it more profitable.) May no...
by jbuzolich
Thu Sep 14, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 17
Views: 1672

Re: TIAA Expense changes

Perhaps they are just publishing the fee components for the first time to be more transparent but have always been there? I am on the plan oversight committee for the 457b plan with my county. I personally was frustrated seeing the fund fees, revenue sharing component, minimum revenue requirements f...