Search found 2105 matches

by sunny_socal
Thu Nov 21, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 37
Views: 1580

Re: Vacuum recommendations

At costco the Dyson Ball Animal edition is going on sale for BF, $100 off, total $250 after the instant discount. You can get it online right now or wait till the end of the month for the in-store price.

I got one early, wife loves it. Powerful suction :beer
by sunny_socal
Thu Nov 21, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: 2017 Toyota Highlander maintenance reminder is coming on even though oil change is not needed
Replies: 15
Views: 1362

Re: 2017 Toyota Highlander maintenance reminder is coming on even though oil change is not needed

I change the oil every 5k miles on all our vehicles. If I were to follow the minder they would be like this: - 2018 Volvo: every 10k - 2015 Honda: every 8k miles - 2007 Tundra: every 5k miles - 2007 Honda: every 5k miles The engines didn't even change between model years yet the 'maintenance minder...
by sunny_socal
Thu Nov 21, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1923

Re: Alternatives to VOIPo?

VOIPO, OOMA, Vonage users - why are you still paying? Google Voice is free. Honest to goodness.
by sunny_socal
Wed Nov 20, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1923

Re: Alternatives to VOIPo?

Another +1 for Google voice and Obitalk box. We've had this for years, excellent reliability and call quality.

Aside from the initial $50 for the Obitalk the service is 100% free. (Must have internet of course...)
by sunny_socal
Wed Nov 20, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: computers/programs/sites changing
Replies: 24
Views: 1665

Re: computers/programs/sites changing

A refurbished Dell or similar desktop from Best Buy, etc., is under $200. A new one is only slightly more than that and as someone pointed out, CostCo has a 4 year warranty. The problem with someone 'building' you a PC is she can't possibly source the parts cheaply enough to be competitive, and as ...
by sunny_socal
Wed Nov 20, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: computers/programs/sites changing
Replies: 24
Views: 1665

Re: computers/programs/sites changing

Get one from your Guru. Trust but verify. For that money, make sure it has the following: - 1TB SSD Drive. This cannot be stressed enough. - 16GB RAM For your use the choice of processor and graphics card are not very important. Even an entry-level processor is very powerful (eg. 2-core 3.9GHz i3) a...
by sunny_socal
Tue Nov 19, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property sell or rent?
Replies: 21
Views: 1718

Re: Rental property sell or rent?

Great XLS! I was going to sell my rental but now I'm having second thoughts :shock:
by sunny_socal
Tue Nov 19, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 130
Views: 30101

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I inherited my dad's 2017 Honda Accord It had 30,000 miles on it at the time I've now put 11,000 miles on it and my low back is killing me I've bought a gel seat to put on top of it nothing seems to be working. Has anyone found a workaround I keep saying I'm going to go to Honda to see if I can buy...
by sunny_socal
Tue Nov 19, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 12113

Re: Best thing you have ever bought?

Macbook Pro
Rolex Seadweller

Intangible: care & feeding for my family :D
by sunny_socal
Tue Nov 19, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: 2017 Toyota Highlander maintenance reminder is coming on even though oil change is not needed
Replies: 15
Views: 1362

Re: 2017 Toyota Highlander maintenance reminder is coming on even though oil change is not needed

I change the oil every 5k miles on all our vehicles. If I were to follow the minder they would be like this: - 2018 Volvo: every 10k - 2015 Honda: every 8k miles - 2007 Tundra: every 5k miles - 2007 Honda: every 5k miles The engines didn't even change between model years yet the 'maintenance minders...
by sunny_socal
Mon Nov 18, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 7153

Re: At What Point Did You Realize You Made It?

Don't count your chickens just yet. A lot could happen: - Market crash - Divorce(s) - Health problems - Natural disasters We all think we'll live into the golden years and enjoy the fruit of our labor but not everyone has that good fortune. Keep doing what you're doing while remembering to enjoy the...
by sunny_socal
Mon Nov 18, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Right click to re-open closed tab/window not working ?
Replies: 11
Views: 753

Re: Right click to re-open closed tab/window not working ?

To try:
- Different browser
- Clear cookies & cache
- Stay away from Microsoft browsers
by sunny_socal
Mon Nov 18, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Gaming Desktop
Replies: 45
Views: 2862

Re: Gaming Desktop

Aww, thanks for the reality check, guys. I don't think I will buy a gaming desktop anymore then. It just sounds too expensive! Don’t give up! Now is the time to score a great deal on a gaming PC with black friday deals. I scored a nice gaming PC with a 24” monitor (not a gaming pc) well within your...
by sunny_socal
Sun Nov 17, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2323

Re: Forgot to pay Kohl's bill for two months, consequences?

Lesson learned, I had the same thing happen and it hurt my credit badly for a number of years even though it was only a $30 charge. Store sent us two cards with separate account whereas I thought both were linked to 'my' account. Wife spent a few bucks and I never paid it off although I was sending ...
by sunny_socal
Sun Nov 17, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Gaming Desktop
Replies: 45
Views: 2862

Re: Gaming Desktop

Your budget is too low , try $1k for a gaming machine. The integrated graphics and entry-level cards are anemic - really. I bought my son an HP 'gaming desktop' from Costco that contained an RX550 card, cost $700 and the system was pitiful for these reasons: - Power supply too small to support a re...
by sunny_socal
Sun Nov 17, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6686

Re: Can you guess what this ranked list of colleges is?

Why does one go to college? To make money or to gain an education? Or both? If both, what are the percentages for each goal? Such clarifying questions hopefully would lead to a school choice consistent with one's goals. Or am I misunderstanding the purposes & goals of this article? Money . 'Educati...
by sunny_socal
Wed Nov 13, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: would appreciate your thoughts [circuit maker]
Replies: 4
Views: 428

Re: would appreciate your thoughts [circuit maker]

So are you making this:
Image


Or this?
Image
by sunny_socal
Wed Nov 13, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 78
Views: 5176

Re: Are complicated credit card cash back strategies worth it?

I try to keep it simple. Chase Amazon, 5% back on most purchases. I had the prime account anyway. Also have a Visa Cash+ through US Bank. Currently getting back 5% on electric, and phone bill which includes my home phone, internet, cell phones. And 2% back on gas. Rather misleading IMO. It's really...
by sunny_socal
Wed Nov 13, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 78
Views: 5176

Re: Are complicated credit card cash back strategies worth it?

I try to keep it simple. Chase Amazon, 5% back on most purchases. I had the prime account anyway. Also have a Visa Cash+ through US Bank. Currently getting back 5% on electric, and phone bill which includes my home phone, internet, cell phones. And 2% back on gas. Rather misleading IMO. It's really...
by sunny_socal
Wed Nov 13, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 6872

Re: "Beer Money" Methods

Rakuten. Turn on the browser add-in. I use Chrome. It notifies if you get cash back when you hit a site and make a purchase. Bing Rewards is a good one. eBay bucks. I also find not drinking as much beer saves a lot of money and my health. Rakuten plugin is great, truly free cash My hacks: - Cash-ba...
by sunny_socal
Wed Nov 13, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 78
Views: 5176

Re: Are complicated credit card cash back strategies worth it?

I use this combo: - Costco for gas (4%) and restaurants (3%) - Alliant Visa for all else (2.5%) Since Shell is the lowest price gas in my region I got their cash-back card, provides another 2% instantly at the pump - this is effectively 6% cash back. (ie. I run the gas card followed by my Costco Vi...
by sunny_socal
Wed Nov 13, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 1819

Re: Would you buy a Galaxy S9 now?

If you can wait, wait for the 5G phones to become cheaper and available as unlocked versions. Being on the ragged edge of technology is not the OP's intent. Being one cycle behind is. I wouldn't recommend a 5G phone to anyone except those who want to show off at dinner parties. 5G is going to benef...
by sunny_socal
Tue Nov 12, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4834

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Here's my approach: - Don't worry about it (especially the 'environmental impact', LOL) - When woken at 3AM to beeping, put in ear plugs - Next day, remove the beeping fire alarm and put it into a box in the garage. Remove old battery and throw it in the trash. YEARS later: - When selling the house...
by sunny_socal
Tue Nov 12, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Fully loaded 2016 Lexus RX350 for $34K - good deal?
Replies: 11
Views: 1367

Re: Fully loaded 2016 Lexus RX350 for $34K - good deal?

OP I'd say $32,500 out the door on that and not a penny more. The poster who said the dealer has 30k in it is right on, plus he probably made money on the original sale. These Lexus leases are like an annuity for the dealer; they make the original sale; then they make the trade-in money and the new...
by sunny_socal
Mon Nov 11, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2280

Re: Tech guys need help with Mesh wifi booster...

I wouldn't monkey around with mesh, just use ethernet over AC and you'll have rock-solid service. https://pisces.bbystatic.com/image2/BestBuy_US/images/products/2080/2080136_sd.jpg;maxHeight=640;maxWidth=550 https://www.bestbuy.com/site/tp-link-powerline-av500-nano-adapter-starter-kit-white/2080136....
by sunny_socal
Wed Nov 06, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1333

Re: Going small on a Windows PC

David Jay wrote:
Wed Nov 06, 2019 1:23 pm
Two specs, regardless of vendor: 8GB RAM and 128GB (min) SSD
Too small. I'd go for 16G RAM and 1TB SSD (the latter is only $100 these days, no reason to skimp.)
by sunny_socal
Wed Nov 06, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1333

Re: Going small on a Windows PC

In my experience, small format desktops are not cost effective for consumer use. Purchasing a laptop will generally get you comparable technology at a lower price point. Just my thoughts. Agree. Either : [1] Get a larger desktop PC that you can expand if necessary. This rules out the mini/micro/piz...
by sunny_socal
Sun Nov 03, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3636

Re: Best card to complement 2% cash back?

Stinky wrote:
Sun Nov 03, 2019 6:33 pm
Costco.

3% meals and travel. 4% gas.
This
by sunny_socal
Thu Oct 31, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8856

Re: How much do you plan to spend on your children's weddings?

None.

I have two boys, if they get married I expect the Bride's parents to foot the bill :mrgreen:
(ok we'll buy everyone the rehear$al dinner)
by sunny_socal
Mon Oct 28, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4326

Re: New Computer with or without SSD?

SSD all the way! It's 100x faster, cannot live without it. HD for a second drive is fine (eg for pics and docs), having the SSD as the boot drive is key.
by sunny_socal
Thu Oct 24, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

Will continue to search for a job with a 401k. Want to make sure a key point doesn't get missed here - if she gets paid on a 1099, she can open a Solo 401k and put away $19,000 (assume under age 50) plus 20% of net business income. This should be a question that could be easily answered by talking ...
by sunny_socal
Thu Oct 24, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

Cart Horse Its almost November - you won't have to worry about 2019 "tax shielding" 2020 is a full year - I feel like if she's actively looking for a different / full-time position, what's the chance she actually stays in this 20hr/week job for a full year? Seems like all this worry about paying ta...
by sunny_socal
Thu Oct 24, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

Cart Horse Its almost November - you won't have to worry about 2019 "tax shielding" 2020 is a full year - I feel like if she's actively looking for a different / full-time position, what's the chance she actually stays in this 20hr/week job for a full year? Seems like all this worry about paying ta...
by sunny_socal
Thu Oct 24, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

irdgas66 wrote:
Thu Oct 24, 2019 10:38 am
You are not really shielding them from anything, but only postponing it to a later date. Gov will get their taxes one way or another.
Pretty sure most people would disagree

Sounds like our only attractive option is a solo 401k IF she's paid via 1099.
by sunny_socal
Thu Oct 24, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

I make 200k/year. I max my own 401k and HSA. Given that, what are the options for her? sunny_socal, You did not answer the question of whether she is paid with 1099 . If yes, she can open her own individual/solo 401K regardless of how much you earn. KlangFool I don't know how she'll get paid. She h...
by sunny_socal
Thu Oct 24, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4917

Re: Updgrade car for new safety features?

I wouldn't. People usually use the "safety features" as an excuse to upgrade to something fun. If that's your situation then just go ahead and do it, you don't need our permission :wink: You already have the most significant safety features in your vehicles: - Seat belts - Air bags - ESC Beyond that...
by sunny_socal
Thu Oct 24, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

I make 200k/year. I max my own 401k and HSA.

Given that, what are the options for her?
by sunny_socal
Thu Oct 24, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5191

Re: Cash Back Bonuses - Race to $10k

I'm @ 15k using this approach. These cards: - Alliant 2.5% card for almost everything (was 3% during the first year) - Costco card for gas and restaurants (4% and 3%) - Fidelity 2% for my teen son I probably get $200/month. Savings reside in Alliant 2% account and CapOne MM 2% account (those rates v...
by sunny_socal
Thu Oct 24, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3773

Re: Is Google Drive enough for me?

I would never store anything of value on Google drive. I have a couple 2TB USB drives for my personal backup files. Someone could easily construct a 100% 'image' of your profile given all those documents. Someone just managed to steal my wife's mobile phone number without our consent, that's often t...
by sunny_socal
Thu Oct 24, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Part time job (20h/wk) - how to shield income from taxes?

My wife has been a SAHM for 15 years. Prior to that she was an HR rep for about 15 years (generalist, immigration, recruiting etc.) She's attempting to get back to work but it is proving challenging due to her 'gap.' She has found a part-time opportunity that provides 20h/week @ $20/hr. It's a modes...
by sunny_socal
Wed Oct 23, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3566

Re: Do we need a trust? (MIL to keep extended family away from assets)

Sorry to hear as it sounds like your MIL feels unsafe in her own home. Are MIL’s concerns valid? If so, what are the daughters doing to protect their parents from family opportunists? ETA: If MIL/FIL are really being preyed on, moving them to a location near you is probably the best (not easiest) s...
by sunny_socal
Wed Oct 23, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3566

Re: Do we need a trust? (MIL to keep extended family away from assets)

I have no advice to share. It's unfortunate that circumstances seem to dictate worrying about this. But just to clarify for those that do have advice - do MIL and/or FIL still live in the house in question? Or are they in assisted living or some other living arrangement? Do they have trusted relati...
by sunny_socal
Wed Oct 23, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3913

Re: Moving my home landline phone number to MagicJack - good idea?

We use Google Voice via an Obihai device:
- Excellent call quality
- Totally free
by sunny_socal
Wed Oct 23, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3566

Do we need a trust? (MIL to keep extended family away from assets)

So my MIL has two daughters and three grandchildren. They are mentioned in her will. Her husband (FIL) suffers from Alzheimers and is generally very frail, has moments of lucidity but most of the time is either sleeping or in a stupor (cannot converse, isn't really sleeping or awake.) MIL is very co...
by sunny_socal
Wed Oct 16, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10056

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I say tomato, you say to-maaah-to. I've never been able to convince an Apple fan to switch regardless of the specs on paper. They are hardcore fans.
(Disclosure: I love my Mac and will likely never go back to a PC, but I'd never get an Apple phone or Apple watch)
by sunny_socal
Wed Oct 16, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5021

Re: Prenuptial agreement for moderately successful 30 year olds

Why even bother getting married? You've been behaving like a married couple, is that not enough? ( Note : I'm a strong advocate for marriage but in my mind planning a divorce doesn't square with the commitment you're supposedly making) If you decide to get married anyway, don't get a prenup. It wea...
by sunny_socal
Wed Oct 16, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5021

Re: Prenuptial agreement for moderately successful 30 year olds

Why even bother getting married? You've been behaving like a married couple, is that not enough? ( Note : I'm a strong advocate for marriage but in my mind planning a divorce doesn't square with the commitment you're supposedly making) If you decide to get married anyway, don't get a prenup. It weak...
by sunny_socal
Wed Oct 16, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4161

Re: How much do you spend on cellular annually?

LiterallyIronic wrote:
Wed Oct 16, 2019 12:23 pm
Cell phone is $468 per year for two lines ($19.50/month/line after taxes and fees) with T-Mobile. Unlimited talk, text, and data (throttled to 2G after 2.5GB/month/line).

Internet is free Google Fiber. 5mbps.

No TV service or streaming services. No landline.
How did you snag that deal?
by sunny_socal
Wed Oct 16, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?
Replies: 72
Views: 5290

Re: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?

sergeant wrote:
Sat Oct 12, 2019 10:40 pm
No meat on the bones or more plainly seems like way too much bother for very little reward. I wouldn't do it.
I'm with sergeant. I've been sucked in by offers like this before and it only adds stress to life.