Search found 1174 matches

by sunny_socal
Sun Oct 22, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9771

Re: anyone else not liking the new cars?

And frackers being profitable at $50/bbl....all due to direct subsidies for production from the govt...without that, they would be stretched to turn a profit below $70-80/bbl. A nice article is here: https://www.vox.com/energy-and-environment/2017/10/6/16428458/us-energy-subsidies Let's check back ...
by sunny_socal
Sat Oct 21, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9771

Re: anyone else not liking the new cars?

Wake me up when there are no more government subsidies for wind/solar generation and EVs have no rebates. Then we will know there has truly been a paradigm shift. I don't mind cutting waste and adopting cleaner ways to live but the very existence of subsidies show that 'clean energy' cannot stand b...
by sunny_socal
Sat Oct 21, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Amegy Bank $1000 business Card offer
Replies: 12
Views: 1106

Re: Amegy Bank $1000 business Card offer

Someone please try this
by sunny_socal
Fri Oct 20, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 950

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

Another thing that doesn't work in Sierra: EMU48, the HP48 graphing calculator emulator
(Still works on my Android phone at least :wink: )

Image
by sunny_socal
Fri Oct 20, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 950

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

Ok I figured out how to mimic KeyKarabiner for Excel in Sierra: - Install FNable ($$) - Install Butler (also $$) FNable allows one to enable the 'normal' function keys (F1-F12) on a per-application basis. That's all it really does. (MacOS does have an option to enable this as well, but it global. Yo...
by sunny_socal
Thu Oct 19, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 950

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

Here's a reason NOT to upgrade: If you use KeyKarabiner! It does not work properly on Sierra. This app maps keys to various different meanings. I used it to map the "Brightness/F2" key to the more familiar Windows usage of "Edit cell" in Excel (otherwise CTRL-U on mac.) There may be other ways to ac...
by sunny_socal
Thu Oct 19, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2144

Re: receiving 'used' items from Ebay purchase....frustrating

You can't expect buying something on the cheap and expecting quality service... It's like expecting great customer service at Wally World, it's just not going to happen. Um......its not about buying 'cheap' and has nothing to do with 'service' (???), often people sell items on Ebay they have in sur...
by sunny_socal
Wed Oct 18, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2144

Re: receiving 'used' items from Ebay purchase....frustrating

Buy the seller, not the item :? Look at the seller's feedback first and try to find someone who purchased a similar item.
by sunny_socal
Wed Oct 18, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 5726

Re: Least expensive iPhone

Yeah, if OP is that cost conscious, he/she should seriously consider Android alternatives. I'm on Republic Wireless, and you can buy the very good entry level phones for <$250 that will run neck and neck with most non-bleeding edge iphones. My phone bill last month from Republic wireless was $11. F...
by sunny_socal
Wed Oct 18, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1323

Re: Car fund in index fun or savings?

Why not diversify? - MM account - CDs - Index fund Because I want to make money, and the safest way to make money is by investing in highest risk-adjusted yielding vehicles. Current tribal knowledge on this board indicates low-cost broad-based index funds is the strategy for long term savings, thou...
by sunny_socal
Wed Oct 18, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5084

Re: Best way to make some dollars on a 10 day vacation?

I could paint two houses in 10 days. $5k per house, easy $10k. :beer I don't think you would do a good job, though, as you seem to be ignoring the time for surface prep such as power washing and waiting for the surface to dry. I do a great job - just ask my wife! :wink: A week is easily enough time...
by sunny_socal
Wed Oct 18, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9771

Thought things couldn't possibly get worse?

Just when you though Toyota and Lexus had created the ugliest cars on the planet - they bring out the Toyota Mirai! :oops: Saw one yesterday with my own eyes, I need some bleach. :? (Oh, and it's only $57k! That's just below $60k, anything over that threshold would be considered extravagant here nn ...
by sunny_socal
Wed Oct 18, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 31
Views: 3879

Re: New Garage Doors

Just FYI, Costco offers Amarr garage doors, installed by your local Amarr dealer. There's a 15% Costco cash back offer through 10/29 to go with it. I don't know much about this brand but would be interested in hearing about peoples' experience, both with this brand and with going the Costco route. ...
by sunny_socal
Wed Oct 18, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2545

Re: Best smartphone

Samsung Note3. I want to upgrade to the Note8 but I don't need to :wink: Pros: - The stylus! I love taking notes and making lists. - Enough memory and CPU speed, hasn't really slowed down over the years - Great screen - Replaceable battery! For $10 I can pop in a brand new OEM battery when the old ...
by sunny_socal
Wed Oct 18, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1323

Re: Car fund in index fun or savings?

Why not diversify?
- MM account
- CDs
- Index fund
by sunny_socal
Tue Oct 17, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5084

Re: Best way to make some dollars on a 10 day vacation?

I could paint two houses in 10 days. $5k per house, easy $10k. :beer
by sunny_socal
Tue Oct 17, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6816

Re: Anyone taken a mid-career sabbatical?

Would not recommend it, but it depends on your career. If I were to take a year off I'd never get my old job back.
by sunny_socal
Sun Oct 15, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3215

Re: Negotiating for a new car purchase

OP, whatever you're doing, you're doing it wrong. I suspect you're actually driving to a dealer and talking to people, or calling the "Front desk" and talking to people. That's not necessary. The "fax/email" method or "talking to the internet manager" likely won't work either. Just do this: 1. Figur...
by sunny_socal
Sun Oct 15, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 11
Views: 1063

Re: So I did this...Capital One Money Market $200 bonus

I had excellent luck with the capital one offers, received a total of $600 from them for a combination of new MM and Checking accounts :beer
by sunny_socal
Sat Oct 14, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9771

Re: anyone else not liking the new cars?

If it makes you feel better....those new cars will likely have terrible resale too after EVs take over. We are currently a 1 battery-EV, 1 gasmobile family, with the former covering 60-70% of our family driving miles, and the latter mostly for family road-trips. The gasser will be paid off in a few...
by sunny_socal
Fri Oct 13, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7000

Re: How many miles/years do you keep your car?

Hard to say, until I get sick of them I guess. Current fleet: - 2007 Toyota Tundra, 106k miles, no plans to upgrade/replace - 2008 Honda Pilot, 135k miles, will likely replace in the next 2 years (wife's car) - 2015 Honda Accord, 58k miles, no plans to replace, aiming for 250k miles over the next 10...
by sunny_socal
Fri Oct 13, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1591

Re: Anyone Ever Jackhammered a Concrete Patio?

I've broken up concrete walkways before, it was easy: - Rent a little bobcat, $250/weekend - Drive the scoop under the concrete, lift - *snap*! The concrete breaks apart like a giant cracker. - Pile it all in the driveway - Hire a crew to haul it away (some hundreds of $$, I forgot how much). They b...
by sunny_socal
Fri Oct 13, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

Asking for a discount is one way to save money. There are a lot of other ways to save if you know how. I learned a lot from this book: Secrets of Power Negotiating by Roger Dawson $14.58 on Amazon. :beer I might get that, but I'm not paying $14.58 Why don't you ask for a discount? :happy /Thread :b...
by sunny_socal
Thu Oct 12, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi, How To, Should I?
Replies: 12
Views: 1058

Re: Mortgage Refi, How To, Should I?

For online lenders I've had good luck with aimloan.com and amerisave.com. The customer service is somewhat impersonal but they get the job done and they have great rates. For the absolute best rates _and_ customer service I recommend finding a local mortgage broker. You can find a true no-cost refi ...
by sunny_socal
Thu Oct 12, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6286

Re: Best Career Advice for those over "50"

All I can think while reading these kinds of threads is it’s too bad people are considered all washed up at such a young age. What a waste of talent and energy. I agree. I’m an ER doc. At least 1/3 of our group is 50+. I am 50. I feel like I’m in my prime. Fast, efficient, and experienced. While I’...
by sunny_socal
Wed Oct 11, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13800

Re: [Boglehead vs Mr Money Mustache philosophies]

I don't see how a "smaller footprint" can possibly be better for humanity, I would call it selfishness. Benefits of working to your highest potential: (vs trying to get out of the workforce ASAP and live a Spartan existence) - Generosity to others (charity) - You can take care of yourself while you'...
by sunny_socal
Wed Oct 11, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6286

Re: Best Career Advice for those over "50"

I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast. I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas ! :beer Sorry, Texas is full. Idaho? Arizo...
by sunny_socal
Wed Oct 11, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6286

Re: Best Career Advice for those over "50"

I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast.

I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas! :beer
by sunny_socal
Wed Oct 11, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

I usually ask for a discount everywhere I go Hotels!!! In college, I worked in a hotel in a town full of hotels. Our "rack rate" was $59 most nights and $79 busy nights. A lot of customers paid anywhere from $30 to $50. An empty hotel room is a loss. AARP or AAA was $53. The break even cost conside...
by sunny_socal
Tue Oct 10, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5367

Re: 2018 Honda Accord

The Accord had the most uncomfortable seats I have been in for quite some time. I have seen a lot of about the uncomfortable seats in the Accords. Is it hard or what? The headrest is angled very sharply and it is not adjustable. I took mine off and bent the metal posts, problem solved. Some also fl...
by sunny_socal
Tue Oct 10, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2619

Re: Cheapest thing you ever heard of to save money

Brother
- Hasn't set up voicemail on his Tracphone, never answers, just looks at the caller ID. Calls cost money!<br/>
- Heats his studio apartment with candles in the winter. The little tea lite candles from Ikea are very inexpensive

Dad
- Uses coffee grounds twice
by sunny_socal
Tue Oct 10, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13800

Re: [Boglehead vs Mr Money Mustache philosophies]

I think when you're young you must be more of an MMM in order to get by. I can't even imagine how my kids are going to get started without being very thrifty and watching every penny. When my wife and I bought our first house it was "only" 250k, now that same house is 500 k :| Talked to a friend who...
by sunny_socal
Tue Oct 10, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1591

Re: Join ebates for extra cash back

I really wish these websites would simply offer low prices to begin with and get rid of these cash back shenanigans. How I thought it's supposed to work: User wants to shop, so they go to eBates to see what kind of deals are out there. They find X retailer offering Y cash back so they shop there. X...
by sunny_socal
Tue Oct 10, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 1022

Re: 2017 Honda Accord Hybrid EX-L???

It's a great deal if you were in this market for a new car.
thangngo wrote:
Tue Oct 10, 2017 11:51 am
It's never a good deal when you buy things you don't need, regardless of how much discount they give you. It will be 2-4 years down the road when one of your cars hit 150k and you need to replace.
^^^ This
by sunny_socal
Tue Oct 10, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3059

Re: My Son is buying a 2017 Toyota RAV 4

I would be concerned about the age and mileage of this so called "new" car. I have test driven cars where the speedometer/odometer didn't work. The salesman told me that it gets hooked up during dealer prep. What really happens is that the dealer disconnects the instrument cluster and drives the ca...
by sunny_socal
Tue Oct 10, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance...again (15y at 3.25% going to 2.875%)?
Replies: 11
Views: 1351

Re: Should I refinance...again (15y at 3.25% going to 2.875%)?

Seems like a bit of a toss-up. Your current rate is decent (not great) but only you know how long you'll be there. You have a fair offer on the table. It seems likely you could get an even better one by contacting a mortgage broker and obtaining the same rate with a true no-cost refi . That's the on...
by sunny_socal
Tue Oct 10, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1591

Re: Join ebates for extra cash back

Topcashback.com is another great site, on avg they pay double what Ebates does, Also you don't have to wait for the big fat check you can deposit the money once it clears. Thanks! It seems signing up for both is the way to go: https://www.rather-be-shopping.com/blog/2016/11/30/ebates-vs-topcashback...
by sunny_socal
Mon Oct 09, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

I'll have to keep these in mind! I usually just say "is that the best that you can do?" And then I look them dead in the eye and pause awkwardly until they (usually) fold :mrgreen: But for those cases when it doesn't, these are solid back-up questions :beer Nice! :wink: I will have to try it.
by sunny_socal
Mon Oct 09, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

prudent wrote:
Mon Oct 09, 2017 3:56 pm
runner3081 wrote:
Mon Oct 09, 2017 1:58 pm
By the way... FatWallet is done, shutting down shortly.
It is gone.
Wow! Another of my favorites, pricescan, it also gone. :confused

But I just started an ebates thread, check it out:
viewtopic.php?f=11&t=229383
by sunny_socal
Mon Oct 09, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13800

Re: [Boglehead vs Mr Money Mustache philosophies]

At least you didn't start a Dave Ramsey thread, then you'd really get a black eye! :wink: I don't think most BHs are as Spartan as MMM types. Time Is Money around here. - It's ok to have a car, especially if increases your productivity. Brand new cars generate discussion :D - It's ok to have a hot s...
by sunny_socal
Mon Oct 09, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6439

Re: Asking for discounts

I like asking for discounts as well! Here I will ask: - At Home Depot or Lowes: On appliances, find a display model or closeout, "The Manager" will almost always knock off another 10%. You can also get 10% "moving coupons" for either of these stores from ebay for about $10, they arrive as a PDF. The...
by sunny_socal
Mon Oct 09, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4839

Re: Is there boglehead consensus on buying a car?

I think this is the consensus: 1. If buying mid range Japanese car and planning on keeping it, it is ok to buy new (eg. Honda, Toyota) 2. If buying a Luxury car, get a CPO. Someone else already paid for most of the depreciation and thought they beat the system! :wink: (ie. they leased it) A used ca...
by sunny_socal
Mon Oct 09, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1591

Re: Join ebates for extra cash back

The eBay rebates are for your entire shopping session, not per item. I don't shop for fun. So my session is almost only one item. For example: Husqvarna engine rebuild kit: $130. Because I seized the engine and need to rebuild it. I don't need anything else and am not shopping for fun. I got firewo...
by sunny_socal
Mon Oct 09, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1591

Re: Join ebates for extra cash back

The eBay rebates are for your entire shopping session, not per item.
by sunny_socal
Mon Oct 09, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1591

Join ebates for extra cash back

I joined 'ebates' a few months ago when shopping for a gift - thanks to a tip from Bogleheads! https://www.ebates.com/ - There is not cost to join - The ebates account is linked to Paypal, rewards are deposited automatically. - A little app/plugin is added to your web browser and remains dormant mos...
by sunny_socal
Fri Oct 06, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5002

Re: Anyone go 100% Ally or another online bank for all banking needs?

I have many online accounts and I'm happy with them. Each has a purpose. I also have several B&M accounts and here's why: [Note: I have some kind of 'special relationship' w/ BofA for some of this free stuff, though I don't know why] - Free lock box! (All the youngsters can just watch a Jason Bourne...
by sunny_socal
Fri Oct 06, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3899

Re: How do you value your time?

It depends on what I'm doing. I don't attempt to value my time based on my day job. On weekends I 'pay myself' per the prevailing wage: - If I'm just sitting around, my time is worth $0/hour (eg. watching football) [ I hardly ever just sit around ] - Working on my car, $80/hour. I DIY all basic main...
by sunny_socal
Thu Oct 05, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3101

Re: Simple Notebook/laptop

My mom expects _every_ website to work properly, a Chromebook simply won't do it. This is not a challenge, I am genuinely curious: what websites won't work properly on a Chromebook? I have been using Chromebooks for years. To the user, the browser is the same as a Chrome browser that runs on an App...
by sunny_socal
Thu Oct 05, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3101

Re: Simple Notebook/laptop

My mom expects _every_ website to work properly, a Chromebook simply won't do it. This is not a challenge, I am genuinely curious: what websites won't work properly on a Chromebook? I don't know, she lives overseas and I'm in the USA. All I know is that the new computer didn't work :? Many news sit...