Search found 1904 matches

by sunny_socal
Sun May 19, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Anyone have a GMC Acadia? Or similar?
Replies: 19
Views: 1030

Re: Anyone have a GMC Acadia? Or similar?

<snip> So anyway! Any thoughts on the Acadia? The Highlander and the 4runner are also in the mix. And the Volvo xc90 or Acura MDX if we decide we want something a little more plush. But the Acadia seems like the most practical. 2017 was the Acadia redesign, and the Highlander is getting redesigned ...
by sunny_socal
Sat May 18, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 40
Views: 2398

Re: Synthetic oil or not for very low mileage auto?

I'll be the voice of dissent. Stick with conventional. Old seals shrink. I presume this is due to age, not mileage. We're not talking tires here. In my experience, putting synthetic in old vehicles causes leaks. Not a big deal, if you don't care about your garage floor. If you do, stick with conven...
by sunny_socal
Fri May 17, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 70
Views: 3807

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Bigger car, less economical but more safe.. Only the first 50% of the statement is correct. Safety is measured not only considering the consequences of an accident (and here too it is not straightforward to conclude that the larger the better), but also the probability of one. Minivans in particula...
by sunny_socal
Fri May 17, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5130

Re: Guidance on choosing between UMich and Brown

Brown

The sports program would the least of my concerns.
by sunny_socal
Fri May 17, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 40
Views: 2398

Re: Synthetic oil or not for very low mileage auto?

Synthetic. It's a better oil, you're asking about saving $20 over a year or two? Your tires will rot out from under the car and hit your wallet a lot harder than the oil change :?
by sunny_socal
Thu May 16, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Fixing Bad Lawn
Replies: 13
Views: 2047

Re: Fixing Bad Lawn

I'm in the same boat OP. I'm going to use this stuff, about $30 for a large bag at HD

Image
by sunny_socal
Thu May 16, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4008

Re: Reservations about job offer

I've had to learn the hard way not to accept a position where the expectations/requirements are opaque. My current job: - Interview focused on past experience and skills, leading me to think the new job was similar - Company couldn't talk about the details of the position because it was "secret" - U...
by sunny_socal
Thu May 16, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2720

Re: Impossible Burger At Home

Is it a soy burger or something?

Just make your burgers with full fat beef, eg. 20% Chop up a little bacon and blend it in for even more flavor :D
by sunny_socal
Thu May 16, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 17
Views: 1515

Re: Usefullness of 2 in 1 laptops?

I'd much rather have a Lenovo Thinkpad than anything else. I'd avoid 2-in-1 like the plague, more chance of breakage and gimmicky features.
by sunny_socal
Thu May 16, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - 0% APR for 18 Months
Replies: 17
Views: 1763

Re: Fidelity Credit Card - 0% APR for 18 Months

Perhaps obvious, but make sure actually have the funds when the bill comes due in 18 months. That's the only 'catch.'
by sunny_socal
Wed May 15, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 68
Views: 4283

Re: Buying a "new" car - Advice pls

In your situation, buy a new Honda/Toyota and don't look back. Perform required maintenance and enjoy the trouble-free 10 years. :beer
by sunny_socal
Mon May 13, 2019 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4735

Re: Move out or stay at my parents?

You're about 5 years late. Move out already.

If ONLY money matters then just stay w/ mom & dad for the rest of your life. $ Profit $
by sunny_socal
Sat May 11, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1934

Re: Computer issues, fix vs replace

I would never buy a software license from Ebay... Sounds to me like possibly a resolution issue. Figure out the native resolution of your monitor, make sure the display resolution is set to that. If it's fine, could be an issue with scaling or similar. If you open Word or Windows Text Editor, and t...
by sunny_socal
Sat May 11, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1934

Re: Computer issues, fix vs replace

You could try backing up all your files and doing an OS reinstall. Assuming it's not a hardware problem, that should fix many issues. This. Windows is notorious for getting corrupted and bloated over time. Purchase a Window 10 Pro license from ebay and reinstall after backing up your personal files...
by sunny_socal
Sat May 11, 2019 6:08 am
Forum: Personal Consumer Issues
Topic: 256 Gbytes for IPhone! How much further?
Replies: 29
Views: 2066

Re: 256 Gbytes for IPhone! How much further?

We've already hit the end of Moore's law. 7nm is the latest silicon geometry and 5nm will be next followed by 2nm, but those steps will be much longer and more expensive to reach. I believe software optimization will be the next step to increase perceived performance. Think of how poorly Windows run...
by sunny_socal
Sat May 11, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Relocation Costs
Replies: 2
Views: 348

Re: Relocation Costs

Just did this last year, CA to TX. - Used "800 pack rat" for containers, same concept as PODS but less expensive. Came out to about $4000 for two 8x8x16 containers, shipping and storage for two months. Not bad IMO, certainly less than doing Uhaul yourself or even Upack. - Drove our own cars, hauled ...
by sunny_socal
Thu May 09, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 1757

Re: New smartphone recommendations

Samsung S8+, $400 everywhere.
by sunny_socal
Thu May 09, 2019 4:05 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 insurance rates in California
Replies: 3
Views: 1048

Re: Tesla Model 3 insurance rates in California

I have a Model 3. My auto insurance is through Kemper. The only company that could touch their rates was AAA, but I went with Kemper because they had a better home policy and I prefer to bundle everything to get multi-policy discount. As always, YMMV. So how much is a Tesla compared to a regular IC...
by sunny_socal
Sun May 05, 2019 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1845

Re: How soon to close credit card that was used for churn?

I recently applied for two Chase credits cards in order to receive a Southwest companion pass. The scheme worked very well, I now have the CP for the next year and a half. But I also have two cards I don't really need: - Basic Chase card, $69 annual fee - Business card, $99 annual fee Any reason no...
by sunny_socal
Sat May 04, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1845

How soon to close credit card that was used for churn?

I recently applied for two Chase credits cards in order to receive a Southwest companion pass. The scheme worked very well, I now have the CP for the next year and a half. But I also have two cards I don't really need: - Basic Chase card, $69 annual fee - Business card, $99 annual fee Any reason not...
by sunny_socal
Fri May 03, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 41
Views: 2351

Europe with teens - hotel options

So we're going to Europe with our two teens, 14 and 16. I had *assumed* we could just book a hotel room with two large beds and things would work out great. Turns out: - Hotels want to know who is staying - "4 adults" often results in: "We cannot accommodate 4 adults per room at this hotel" - "4 adu...
by sunny_socal
Wed May 01, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 6502

Re: Has anyone down-shifted in their career?

Yeah, I left a well paying job that was semi-interesting. Now I'm not getting paid that well and I'm bored out of my skull. Careful what you wish for :?
by sunny_socal
Wed May 01, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2439

Re: Buying a hail-damaged car?

I now live an an area where large hail actually happens. I haven't seen a single hail-damaged car driving around and I've been here a year! Never in a million years would I pay 20k+ for such a vehicle. The insurance company totalled it for a reason. Maybe 5k as a starter car for a teenager but no se...
by sunny_socal
Wed May 01, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15657

Re: What if I Never Buy a House?

I'd at least buy a condo if I were you OP. It will "feel" the same as renting but at least your money won't be going down the drain. I fully agree that owning a home is a drain on resources: time and money. We lived in an apartment for a couple months last year due to a move and in many ways it was ...
by sunny_socal
Tue Apr 30, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2008

Re: Car insurance shopping - worth leaving USAA?

Leave. We're now with Allstate, very happy to have left USAA.
by sunny_socal
Tue Apr 30, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5138

Re: Texas property tax protest

Ok! I filed the protest, fingers crossed. Requested a new appraised value of 540k. - An existing home in our neighborhood is valued at 535k per county data (same size, same lot) - Chase Bank provided an estimate of $528k - A house down the street is a new construction and has not even sold yet. It w...
by sunny_socal
Mon Apr 29, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16799

Re: Whats the Point of Climbing the Corporate Ladder?

We all seem to assume that we're going to live happily until a certain age and thus we compute how much we'll need between retirement and that age (75, 80, 85, whatever.) Life can be a lot shorter than that, I'm supposed to go to a funeral this weekend for someone who died at 45 from cancer. My wife...
by sunny_socal
Mon Apr 29, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 1537

Re: Purchasing 2019 Honda Pilot Advice Wanted

Dear Fellow Bogleheads: We'd like to gather feedback from folks who have purchased a 2019 Honda Pilot EX-L with AWD. The lowest price we have received is $36,146. Is this a good price? We live in North Carolina. We can get .09% financing if we purchase by tomorrow (4/30/2019). Many thanks!! You can...
by sunny_socal
Mon Apr 29, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5138

Re: Texas property tax protest

BTW, Sunny do you mind sharing why you relocated from California to Texas? 1210 - Previous job was at a dead end, no openings in current company at the time (CA) [Later I was offered my old job back, LOL! :wink: ] - Plenty of opportunity in TX - Far better schools in TX (ie. our public school out h...
by sunny_socal
Sun Apr 28, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5138

Re: Texas property tax protest

Given your comps, why shoot for $125/sq ft since it is clearly the highest? I think you overpaid. And don't forget that YOUR house is a comp, too, if it was purchased recently. Anyways, I would shoot for $99/sq ft or even $82/sq ft myself. No guts; no glory. :) These are the lowest set from all the...
by sunny_socal
Sun Apr 28, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5138

Re: Texas property tax protest

I'm surprised there are so many saying not to bother. I don't like paying MSRP for any high value items, why should I roll over on something that is clearly negotiable? I went to the county tax website and they had all the values available for download in a giant XLS. I found some valuations that we...
by sunny_socal
Sat Apr 27, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Best email client for Mac?
Replies: 13
Views: 1051

Re: Best email client for Mac?

Gmail via their website.

For my wife's Mac I installed Mozilla Thunderbird and connected to gmail.
by sunny_socal
Sat Apr 27, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5138

Texas property tax protest

So we moved to TX, our property tax bill just came. - Purchase price: 575k (2018) - Tax bill value estimate: 578k (tax is then 2.35% of the appraised value) Our neighborhood is brand new, I'm guessing it would be difficult to run any 'comps' in this area. It's mostly dirt. I've asked people at work ...
by sunny_socal
Fri Apr 26, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus to Pixel 2, did I do a mistake?
Replies: 4
Views: 706

Re: Moto G5 Plus to Pixel 2, did I do a mistake?

You're fine. And older 'flagship' is often better than a new 'budget' model. My son went through the same thing and got fed up with his older iphone, got a Samsung S8+. Flagships : - Good processor (typically the 'best' available at time of introduction) - More memory - More storage - Stronger video...
by sunny_socal
Fri Apr 26, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Advising financially unsavvy family on windfall
Replies: 77
Views: 5660

Re: Advising financially unsavvy family on windfall

I wouldn't say a thing. I also have plenty of "financially unsavvy" immediate family members and I know exactly what they would do: spend it all. How do I know this? - Credit cards perpetually maxed out - Cars impounded every few years since they couldn't pay the credit card bills - Regular trips to...
by sunny_socal
Fri Apr 26, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage points......they're all wrong???
Replies: 10
Views: 1861

Re: Mortgage points......they're all wrong???

I wouldn't pay points, following reasons: - Rates are good enough even without points. Just shop around. Don't let them force you to accept a lender from the seller or buyer for example. - What if rates fall? You would have spent the money while everyone else is able to refi down to your rate. - Wh...
by sunny_socal
Thu Apr 25, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Computer shopping
Replies: 20
Views: 1211

Re: Computer shopping

Found a good deal for you: https://www.costco.com/.product.100454283.html Lenovo Y7000 Gaming Laptop - 6GB NVIDIA GeForce GTX 1060 Graphics - 16GB RAM - 256GB SSD - 1TB HD - Intel i7 processor On sale for $899. Look no further, if you don't mind that it runs Windows. (I'm a huge Apple fan but this ...
by sunny_socal
Tue Apr 23, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2441

Re: Best pillow under $50?

Bought some panda pillows from Costco. It's one of their 'occasional' items, not a regular item.

Get it here:
https://www.amazon.com/Panda-Life-Shred ... B00ZALJ2OY


I LOVE this pillow!
by sunny_socal
Mon Apr 22, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How to get USAA insurance?
Replies: 20
Views: 1919

Re: How to get USAA insurance?

Serious question: Why would you want it? We've had USAA for about 20 years and eventually it became clear it was about twice as much as the competition. I couldn't wait to switch.
by sunny_socal
Fri Apr 19, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 3196

Re: The reality of borrowing from your 401k for home mortgage

What kind of cars do you drive? If newer, perhaps you could downgrade to help scrape up the cash quickly.
by sunny_socal
Fri Apr 19, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: RSUs and ESPP after 2-Week Notice
Replies: 21
Views: 1290

Re: RSUs and ESPP after 2-Week Notice

scottgekko wrote:
Fri Apr 19, 2019 11:23 am
Give your 2 weeks notice 2 weeks prior to your start date which would be May 6. RSU's vested the week before; no issue.

Or is there a reason you want to give 3 weeks notice?
This

You may be walked out immediately. I've seen it happen several times (not saying it would apply to you.)
by sunny_socal
Fri Apr 19, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3008

Re: Buying a bed

Very simple for us: [1] Go to Ikea, pick out bed frame [2] Go to Costco, pick out mattress that fits Done! No messing with 'box springs', trial periods, electronic adjustments, fancy foam. Repeat every 15 years. We're a very picky society and mattress retailers are raking in the cash https://images-...
by sunny_socal
Wed Apr 17, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1609

Re: How to fix jerky images on streaming TV?

I always use a wired ethernet connection for streaming. If your home is not wired, use a pair of these: https://www.frys.com/product/7859069?store=22&source=google&gclid=EAIaIQobChMI5tTyyoTX4QIVy8DACh2HXgmKEAQYASABEgKugvD_BwE https://images.frys.com/art/product/300x300/7859069.01.prod.jpg And rather...
by sunny_socal
Mon Apr 15, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4595

Re: Where To Get New Bikes

... Wow! Never mind then. Now only two choices remain: Buy complete crap from Target/Walmart or buy more bike than you need from the LBS. :( You are overlooking the Bikes Direct option. Good selection of decent bikes shipped to your door. Minor assembly required. I've used them before. You do get g...
by sunny_socal
Mon Apr 15, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Recommend a reversible glue for sticking plastic to metal
Replies: 11
Views: 615

Re: Recommend a reversible glue for sticking plastic to metal

clear silicone caulk Lexel any caulk that stays flexible, generally used outdoors or around water areas, should be fine. Not going to say it will be easy-peasy to remove but they will not harden completely. Silicone may yellow a tad over time. Probaly stay away from any caulk with latex, as the lat...
by sunny_socal
Mon Apr 15, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Worry free antivirus for my parent's computer
Replies: 18
Views: 1034

Re: Worry free antivirus for my parent's computer

You're sticking with Windows? Without a doubt the worst possible solution if you're worried about crapware and viruses. I would pick from these: [1] A PC-based laptop with linux Mint installed. It's "free" if you already have a laptop. Just install a couple browsers and make sure they work. [2] A Ch...
by sunny_socal
Mon Apr 15, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4595

Re: Where To Get New Bikes

One good option is Performance Bike As an aside, they recently went out of business. Regardless, the advice to buy from a bike shop is sound. Buy from the one who spends some time to make sure you are on one that fits you--a bike that fits gets ridden. I had no idea, thanks for the heads up. I thin...
by sunny_socal
Mon Apr 15, 2019 6:06 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4595

Re: Where To Get New Bikes

Don't buy any department store bike. Even if you buy a $200 bike from LBS you will be better off. Also check the used rack and Craigslist. This. Seriously, anything from Target/Walmart is a waste of money. My ranking: - Target/Walmart: Avoid like the plague - Craigslist: Only if you know what you'r...
by sunny_socal
Mon Apr 15, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9387

Re: Luxury car recommendations?

OP just get a CPO Lexus if you're accustomed to driving a Toyota:
- You can still have it serviced at a Toyota dealer and save a ton on maintenance
- Nicer interior
- Quieter

German cars feel great but if you're a "lifelong saver" the maintenance could come as a shock.