Search found 2080 matches

by sunny_socal
Mon Nov 11, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 35
Views: 1389

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: 1309

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: 1309

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: 3600

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: 8769

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: 4297

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: 2292

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: 2292

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: 2292

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: 2292

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: 2292

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: 4860

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: 2292

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: 5148

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: 3727

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: 2292

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: 3527

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: 3527

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: 3855

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: 3527

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: 9905

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: 4987

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: 4987

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: 4103

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: 5214

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.
by sunny_socal
Wed Oct 16, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4103

Re: How much do you spend on cellular annually?

LetItRide wrote:
Tue Oct 15, 2019 3:39 pm
Mint Mobile -
Each phone $20 / month (unlim talk/text + 8 GB High Speed data & unlimited low speed).
I have 2 phones (2 x 20 x 12) = $480
I thought Mint was less than that.

Cricket here:
- $100/month for 4 lines
- 22G high speed data, lower speed unlimited after that
- Unlimited talk/text
by sunny_socal
Mon Oct 14, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7688

Re: Should I sell or keep my 5 year old depreciated Tesla

OP is in California.

Due to the recent multi-day power outage I have changed my mind. You should sell that Tesla ASAP or at least get a 2nd vehicle with a regular ICE engine. (This is the elephant in the room - electrical power is unreliable.)
by sunny_socal
Mon Oct 14, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security Maximum Taxable Earnings $137,700
Replies: 39
Views: 5108

Re: 2020 Social Security Maximum Taxable Earnings $137,700

Taxes going up pretty fast.

Will be looking for a better job next year (still stuck in a contract currently) :|
by sunny_socal
Mon Oct 14, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2082

Re: X Country Driving Trip across the US, solo

Sounds like fun, just do it! :beer
by sunny_socal
Mon Oct 14, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2810

Re: Selling used car experience (dealer vs online vs in person)

Why not just get over the 'shock' you experienced with the repair bill? :wink: I'm always shocked by the tax bill when I buy a new or used vehicle.
by sunny_socal
Sat Oct 12, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3652

Re: Seiko Watch

I'm a little confused by the suggestion to avoid quartz in favor of automatic movement. Mechanical (automatic) drives have a fairly substantial time-keeping drift (which is fine if your watch is used as jewelry and not as a time-piece ). The electronic drives have almost no drift worth mentioning, ...
by sunny_socal
Sat Oct 12, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4654

Re: What workout equipment to get?

I bought a Titan power rack: (Note: research the correct model to buy for your available space and work out needs) https://www.amazon.com/Titan-Power-Squat-Deadlift-Bench/dp/B00GHNLK9E?imprToken=LM2QK8rvZ8Wnj4YO6CHekA&slotNum=8&psc=1&SubscriptionId=AKIAJF3DRPMQBUKJNJ4Q&tag=powerrackpro0b-20&linkCode...
by sunny_socal
Sat Oct 12, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Want to stop renting optimum modem.
Replies: 21
Views: 1562

Re: Want to stop renting optimum modem.

Make sure it has capability exceeding 200G . I bought a "cutting-edge" Motorola Surfboard a few years back, topped out at 144. It is now incompatible with my Spectrum service, which starts at 200. Fortunately Spectrum modems are now free, though I'm sure they get their pound of flesh elsewhere. Pre...
by sunny_socal
Sat Oct 12, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3652

Re: Seiko Watch

I can't bring myself to wear Quartz watches any more. A $20 Walmart watch has essentially the same movement as a $2000 Tag.

Get an automatic:
https://seikousa.com/collections/mens#Automatic

Find the model number on the link above then buy from Amazon or wherever.

Thank me later :beer
by sunny_socal
Thu Oct 10, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4675

Re: Cheap Cell Phone Plan

If only needed a single line and wanted cheap and good: Mint

But we need 4 lines so Cricket.
by sunny_socal
Wed Oct 09, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 42
Views: 5876

Re: Ally Savings Rate drops to 1.8%

Everyone else has dropped their rates as well. Not really a big deal.
by sunny_socal
Tue Oct 08, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 5980

Re: NY Times $1 per week digital

I'd get the WSJ instead. NYTimes doesn't really qualify as journalism.
by sunny_socal
Tue Oct 08, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2980

Re: Economics of upgrading to latest iPhone vs one generation behind

"Trade-in" on a phone? There really is such a thing? I guess iphone users will go to any length to justify the new model number. No need to post about it here, just get the new one already! :beer

Best Value: Last Year's Android Phone
by sunny_socal
Tue Oct 08, 2019 5:54 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7688

Re: Should I sell or keep my 5 year old depreciated Tesla

I think I'd keep it. No one cares what you drive. Reasons to keep the Tesla and avoid the Accord: (from an Accord owner) - Seats in the Accord aren't very good. You'll likely get back/neck pain unless you modify the seat. - The navigation system in the Tesla is unmatched. Infotainment in the Accord ...
by sunny_socal
Fri Oct 04, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2058

Re: Pest Exterminator DIY

I buy an insecticide concentrate from my local Tractor Supply, Home Depot doesn't carry it. Something like this: https://www.tractorsupply.com/tsc/product/agrisel-usa-zone-plus Spray on exterior walls, about 2-3 feet from the ground and also on the surrounding dirt 2-3 feet from the wall. Critters d...
by sunny_socal
Mon Sep 30, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2440

Re: AA batteries (in a blood pressure monitor for example)

My local battery expert has recommended: 1) Duracell last the longest and leak the least. 2) Energizer - they leak. 3) Best value is Kirkland (Costco). (I have personally found that these leak almost as much as Energizers. Still, the price is good.) My own experience says that Eneloop rechargeables...
by sunny_socal
Sat Sep 28, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3508

Re: Should I sell my BMW

bloom2708 wrote:
Fri Sep 27, 2019 1:24 pm
I'd keep it. 33k miles is not much.

The transaction costs of buying/selling aren't worth it. If it had 133k miles it would be time to move on.
This. I wouldn't expect any major issues before 100k. Tires, belts, brakes, filters are maintenance items.
by sunny_socal
Sat Sep 28, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: How to get rid of a car
Replies: 48
Views: 3905

Re: How to get rid of a car

Sell on CL, you'll get 4k for that car even with the 'issues' (which are minor.) I'd have that car running smoothly by the end of the day.
by sunny_socal
Thu Sep 26, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: DFW to Tasmania - 15 hour time change
Replies: 51
Views: 3035

Re: DFW to Tasmania - 15 hour time change

My recipe: - Behave normally before the trip - Have several drinks on the flight if they are free. Only one if I must pay for it. - Take a Melatonin (10mg), pop in some ear plugs , try to sleep - Upon arrival, try to stay awake - If I'm really dead I'll take a 30-60min nap, then go outside again an...
by sunny_socal
Wed Sep 25, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: DFW to Tasmania - 15 hour time change
Replies: 51
Views: 3035

Re: DFW to Tasmania - 15 hour time change

My recipe: - Behave normally before the trip - Have several drinks on the flight if they are free. Only one if I must pay for it. - Take a Melatonin (10mg), pop in some ear plugs , try to sleep - Upon arrival, try to stay awake - If I'm really dead I'll take a 30-60min nap, then go outside again and...
by sunny_socal
Tue Sep 24, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 52
Views: 5399

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Cheez-It Guy wrote:
Tue Sep 24, 2019 7:23 am
Instead of calling Cricket, have you tried calling her phone number? Maybe you can have a friendly chat with the person that ported it.
No one answers
by sunny_socal
Mon Sep 23, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage with Aimloan?
Replies: 15
Views: 1301

Re: Refinance mortgage with Aimloan?

Aimloan is a solid internet lender, have used them. Good for refi but I probably would go with a local lender if time is a concern.
by sunny_socal
Mon Sep 23, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 52
Views: 5399

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Still no resolution from Cricket. Ended up just getting a new phone number from them today, cost $80. Planning on suing them in small-claims court to get it back. Went to T-mobile to see if the grass was any greener: - They have a 4-line family plan for $140 with fees, somewhat more than Cricket but...
by sunny_socal
Mon Sep 23, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 46
Views: 3900

Re: Traveling to Riyadh for Business

Let's stay on topic, please. I'm interested in learning more about the business aspects of visiting Riyadh. You asked how to blend in, the answers you're getting are 100% on topic. I'd heed the advice you've been provided unless you wish to appear on the evening news. The Middle East (and all the *...
by sunny_socal
Mon Sep 23, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 52
Views: 5399

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Supposedly this "shouldn't" have happened since we have a PIN in the account. This is concerning. Do you have a pin on the account or do you have a pin to specifically block number porting. There is a difference. If you don't have a pin set up to block number porting, all they need is the last 4 of...