Search found 1690 matches

by sunny_socal
Wed Dec 12, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1872

Re: Desktop Computer.

I'd never buy an AIO.
Bogle7 wrote:
Tue Dec 11, 2018 10:22 pm
Your first decision is which operating system: Windows, MAC OS, Linux.
If you pick Mac OS, then easy decision: 27-inch iMac.
Uh no. Mac Mini plus monitor of your choice.
by sunny_socal
Mon Dec 10, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6570

Re: are pre-fabricated / manufactured homes a bad investment?

OP, delete thread and start over! I'm pretty sure I know what kind of home you meant, we once considered building the same kind. Unfortunately the example you first posted didn't help :|
by sunny_socal
Thu Dec 06, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 35
Views: 3477

Re: Best online banking accounts?

Another +1 for Alliant. I initially applied for their excellent credit card, now have other accounts there as well. The CC rewards go directly into a 2% savings account :mrgreen:

The only downside is that the initial application feels much like getting a new mortgage :|
by sunny_socal
Thu Dec 06, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 155
Views: 16886

Re: Best values at Costco? Honestly, a little disappointed...

It depends. They have many things that are definitely a much better deal than anywhere else, starting with their Gas. If you live close enough to gas up consistently at Costco that one item is enough to justify a membership. Next is their Bacon! We go through enough in a year to make the membership ...
by sunny_socal
Thu Dec 06, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2490

Re: New QUIET Tires for Accord

I have the same car and I run Michelin Pilot Sport A/S:
https://www.michelinman.com/tire/michel ... port-a-s-3
by sunny_socal
Mon Dec 03, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3956

Re: Please Recommend a New Car for Me

Sites like Edmunds are better suited for your search. No one drives manuals any longer. Subarus are designed for the Northeast. I drive a manual - and prefer it. Hopefully automakers continue to produce these as long as they make ICE vehicles. Electric cars and hybrids of course will be the end of ...
by sunny_socal
Sun Dec 02, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3308

Re: Renting out 1st first home; how to get mortgage for second?

We just did something similar, left CA and rented out our home. Got an 80/10/10 mortgage here in TX. For us it didn't work out until we had the rental agreement in place. Lender also wanted to see proof that it was "executed", ie. we had to produce a bank statement showing the deposit from the tenan...
by sunny_socal
Fri Nov 30, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4270

Re: My 401k isn't making any money

This is not a good time stare at your 401k! You may need to wait a while (years) before you see it go up again.

OTOH it's a great time to plow more money into it: stocks are "on sale" :beer
by sunny_socal
Fri Nov 30, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3839

Re: Best new Mac/features for 2000-3000

If the OP definitely wants to stick with MacOS, another option is to get a Mac Mini. Then you can select whatever keyboard/screen you want and still come out for quite a bit less than buying an iMac. This is what I'd get, best bang for the buck if you want the Mac experience. Buy a separate non-App...
by sunny_socal
Tue Nov 27, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 5857

Re: Why is the Honda Fit so hard to find?

Maybe because it's a great car? I sold mine at 150k miles to my brother, he now has 220k miles on it. - Very roomy for such a small car - Good MPG - 'Fast' at least in the stick-shift version Anyway you should have no trouble finding one somewhere. At least in SoCal it was stocked at all dealers, do...
by sunny_socal
Sun Nov 25, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5529

Re: Is good, quality luggage worth the price?

My luggage is no-name brand, has lasted 20 years so far. I'd buy no-name brand again provided it's the right size and made with good materials.
by sunny_socal
Fri Nov 16, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2593

Re: Understanding the difference in cell phone OS types

Some people are getting frustrated about answering the question "which type phone should I buy" because of insufficient information. However, that is not the question I asked. I specifically limited the scope to the differences between the OSes, especially those differences that mattered to you. iP...
by sunny_socal
Fri Nov 16, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3455

Re: Enjoying Your Work

Don’t work in something you hate, but also don’t get caught in the trap of seeking “fulfillment” at work. It’s a suckers game, and in the end work will always be work and it isn’t what will make you happy. Find external hobbies to achieve “fulfillment”. Work is what ensures you can afford them. Goo...
by sunny_socal
Fri Nov 16, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 1043

Re: IT Help Needed: Best Way to Backup a Phone?

I know you said you were worried about privacy issues, but I just save all my contacts to my google account. I've switched phones and reset phones several times over the past few years, and I never have to worry about my contacts. This is what I do as well. Every 6 months I drag & drop my photos to...
by sunny_socal
Fri Nov 16, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3635

Re: Home sale etiquette: wall repair

Depends on where you live. In CA homes sell in terrible shape due to the demand, buyer has very little leverage.

Here in TX homes seem to be maintained very well. Buyer can seemingly demand the moon and seller must oblige (either fix or fork over ca$h as a price discount.)
by sunny_socal
Fri Nov 16, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2593

Re: Understanding the difference in cell phone OS types

The OS choice is certainly NOT irrelevant! Apple Pros: - Very stable - Similar look & feel across phone generations - Fairly simple to use - Plays well with Apple ecosystem (eg. if your home is full of macs) Cons: - EVERYTHING goes through iTunes. Want to sync some MP3 files? Must use iTunes. The ba...
by sunny_socal
Thu Nov 15, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU Signature Card
Replies: 6
Views: 495

Re: Alliant CU Signature Card

I've had the card for a year and I plan on keeping it. With my spending the fee is very small for what I'm making from the card!

Strategy:
- Restaurants & Gas on the Costco card
- Everything else on the Alliant card
by sunny_socal
Thu Nov 15, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7350

Re: Honda reliability slipping?

ALL manufacturers are "slipping": - Modern cars are like computers. There are many things that can go wrong, eg Bluetooth, TPMS systems, sensors, cameras, LCD dash, wifi. - Manufacturers jump through many hoops to meet emissions regulations. The emissions systems are especially vulnerable and tend t...
by sunny_socal
Wed Nov 07, 2018 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7578

Re: Never thought of living in Bay Area but just got a call from Tesla

I also get weekly emails from Bay Area companies but have no interest in going. Tesla is probably the last company I would work for! (Musk knows how to run a good Ponzi scheme...he's a visionary but I wouldn't want to work for him or Nikola Tesla) - Bay Area is crazy expensive. - You'll pay a premiu...
by sunny_socal
Wed Nov 07, 2018 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12892

Re: Are we in trouble?

Where are you OP? Here in Austin $1.2M house isn't that unusual, especially if it is a lakeside property or has a nice view. (This is the San Francisco of TX :| ) I think you'll be ok. Sell the Chicago house and try to have patience with the new build. Eventually life will settle down. I wouldn't th...
by sunny_socal
Wed Nov 07, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 28
Views: 2342

Re: Buy house without agent

I'd have no problem dealing directly with the builder in this case. Note that the commission for a realtor is already baked into the purchase price. Ask the builder about this and have them discount the price accordingly, they'll likely offer an attractive 'split' on those funds (eg. they keep 20% a...
by sunny_socal
Mon Nov 05, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8067

Re: Teaching kids there is an ample amount of money

Thanks all. After the replies, I'd don't think I'd use the term ample, but tell my kids that Mom and Dad reached financial security by working hard in school, got a good degree from a great college and living below our means and that I hope they do the same Sounds like a plan! Maybe it's also worth...
by sunny_socal
Mon Nov 05, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3757

Re: Lock mortgage rate at 5%?

I'm the nervous type so I always just lock. If you want to gain some security in the meantime, just apply for another mortgage in parallel. They should be able to give you a solid answer in 1-2 days and if you get a better rate, ditch the first one. I did this several times when buying a house recen...
by sunny_socal
Mon Nov 05, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa [credit card]
Replies: 20
Views: 1752

Re: Alliant Visa

https://www.alliantcreditunion.org/bank/visa-signature-card#features Yeah that's the one I have: - 3% cash back 1st year, no fee - 2.5% cash back thereafter, $59 annual fee Well worth it even with the fee, I've been making $300-400/month in cash back (we moved so we put a LOT of cash through this c...
by sunny_socal
Mon Nov 05, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Diamonds [Earrings and ring]
Replies: 24
Views: 2627

Re: Diamonds [Earrings and ring]

You know her better than us. But unless she has specifically said, I want those diamond earrings, proceed with caution. Doesn't sound like you have a lot of experience with fine jewelry. There is so much variety beyond just studs. Blue Nile is nice for very basic, classic designs at good prices. Bu...
by sunny_socal
Wed Oct 31, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9356

Re: Girlfriend's Student Loans

So you're making "decent pay" (don't know what) and can obviously support youself. She's making 55k. Here's how you solve it: 1. Get married 2. Move in together 3. You pay for your joint support: Housing, food, vehicles, insurance 4. 100% of her salary goes to paying for the student loans You'll be ...
by sunny_socal
Sun Oct 28, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9356

Re: Girlfriend's Student Loans

What's all the talk about debt forgiveness? Hey, I just bought a house. How can I get out from under it? Any bogleheads who want to throw in a few dollars? Should I start a gofundme? Answer: Dave Ramsey your way through it together. You keep working, your (future) wife works as a teacher. A few year...
by sunny_socal
Sun Oct 28, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: RealEstate slowdown and Stocks Declining....
Replies: 9
Views: 2005

Re: RealEstate slowdown and Stocks Declining....

Even when I lived in CA, web calculations showed I would be $3k/year ahead in taxes compared to before. Now that I'm in TX, SALT becomes even less of an issue. It's difficult to 'time' things like the stock market and real estate. I think that's why the advice on BH is usually like this: - Don't tim...
by sunny_socal
Wed Oct 24, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1285

Re: Sweetner for Tea

I like sugar or honey. For those who are watching their calories, my wife uses Xylitol . Don't know where she gets it (Sprouts?) but it is: - Natural (from trees) - Looks like sugar - Tastes like sugar - Isn't sugar! I add nothing to my tea. Ewwww https://sunflowercyn.files.wordpress.com/2016/06/e04...
by sunny_socal
Wed Oct 24, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

Re: PSA: Don't buy a big house

I'll add that a big motivation for buying an over-sized house was to help my wife's parents. Right now they don't want to move since my FIL is very frail but if he were to pass then my MIL would likely move in with us. We'll likely downsize after the kids are in college, ~5-7 years from now. Hopeful...
by sunny_socal
Wed Oct 24, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4049

Re: Coffee grinder

Don't know if it's "the best" but I've had good luck with this Cuisinart burr grinder. Amazon link: https://www.amazon.com/Cuisinart-DBM-8-Supreme-Grind-Automatic/dp/B00018RRRK/ref=sr_1_1?ie=UTF8&qid=1540405592&sr=8-1&keywords=amazon+cuisinart+burr+grinder If you need it NOW, go to your local Bed Ba...
by sunny_socal
Wed Oct 24, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8156

Re: Black Friday is coming.. what's on your list?

This year, nothing. We just moved and bought a ton of stuff. But for anyone who is shopping, this is a great time of year to buy electronics and appliances. Of course they are actually 'on sale' throughout the year so BF or Cyber Monday aren't really all that important. Just wait until the next Hall...
by sunny_socal
Wed Oct 24, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2716

Re: Do I need laptop software?

Look at LibreOffice. It's a totally free suite of office products that IMO mirror MS Office with same functionality. I've been using it of years without issue. Go to https://www.libreoffice.org/ +1 For both windows and linux. I can't stand Open/Libre-office. Office docs don't look good IME. Spring ...
by sunny_socal
Mon Oct 22, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 38
Views: 2033

Re: Health Care Options for 26 year old

dm200 wrote:
Thu Oct 18, 2018 6:10 pm
Meet and marry a Doctor - with family benefits ;)
I came here to post that :wink:
by sunny_socal
Mon Oct 22, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

Re: PSA: Don't buy a big house

Want to swap out a fan? Change one of those high bulbs? It's now $100/hr to call an electrician. Any reason this would not work ? https://www.homedepot.com/p/Mr-Longarm-Pro-Lok-23-ft-Adjustable-3-Section-Extension-Pole-2324/100177392 I have a similar "problem" in my McMansion in CA. Ceilings are no...
by sunny_socal
Mon Oct 22, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3540

Re: Lost Power for 24 hours - what food to toss?

Everyone should buy themselves an inexpensive generator, like Harbor Freight, and keep a gallon or two of canned fuel around. Power goes out once in a while even in metro areas. My in-laws lost several refrigerators of food over a couple years, probably $400/pop. I offered to buy them a generator bu...
by sunny_socal
Mon Oct 22, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 36
Views: 2891

Re: How often does Costco have the deals on 4 Michelin tires?

If you want to shop elsewhere, the "deal" is usually matched (or beaten) by competing tires shops around the same time. You'll get a $100 Visa gift card instead. Costco's tire prices aren't actually all that great but I do like the road hazard warranty. All I do these days is buy Michelin from Costc...
by sunny_socal
Mon Oct 22, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

Re: PSA: Don't buy a big house

We just moved from CA to TX. We ended up buying a McMansion compared to what we had before: - 4 BR, 4BA - 3750 sq ft (Note: For many I'm sure this will still be 'small'...) - 0.75 acres - 10-ft ceilings throughout - 20-ft ceilings in hallways and 'great room' In some ways it's great, there is space...
by sunny_socal
Mon Oct 22, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

PSA: Don't buy a big house

We just moved from CA to TX. We ended up buying a McMansion compared to what we had before: - 4 BR, 4BA - 3750 sq ft (Note: For many I'm sure this will still be 'small'...) - 0.75 acres - 10-ft ceilings throughout - 20-ft ceilings in hallways and 'great room' In some ways it's great, there is space ...
by sunny_socal
Mon Oct 22, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3359

Re: Why are Carbon Offset Credits so cheap?

Plant a few trees and you'll be good. Plants eat carbon, it is not poison.

I'd never spend money on such credits even if they were 1 cent.
by sunny_socal
Fri Oct 19, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8619

Re: When to change tires; and what brand

Sometimes at Costco - they do not always have the desired tires in stock. It can make sense to check with them a bit before you need to have the desired tires installed. If they don't have the tires in stock, you can usually buy them on their website and they'll be delivered to your local Costco wi...
by sunny_socal
Thu Oct 18, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8619

Re: When to change tires; and what brand

Curious 1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. The tire shops try to scare you into buying new tires even at 5/32 mm. I myself have been buying as soon as they dip below 3/32 mm. I bought a electronic t...
by sunny_socal
Thu Oct 18, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5559

Re: Jury duty - already booked vacation

Company doesn't pay for jury duty, hence I claim a financial hardship
by sunny_socal
Thu Oct 18, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Down payment into Ally 1% offer, how will it affect mortgage applications?
Replies: 11
Views: 1087

Re: Down payment into Ally 1% offer, how will it affect mortgage applications?

You'll need to show a paper trail, that's all. If you can show where the money went, you're GTG.
by sunny_socal
Mon Oct 15, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5081

Re: Kids not interested in money / allowance

Hi BHs, I have two sons (11 & 8 years). None of them has any interest in money. Each of them has a weekly allowance of $5. 99% of the time they do not ask for it, and even if my wife/I encourage them to take it they don’t. I tried to educate them since they were little (Money doesn’t grow on trees ...
by sunny_socal
Mon Oct 15, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3164

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

Let us concentrate on the OP's job loss related questions. OP already had a separate topic on wedding costs and it went long and hard on him. Give him a break on that topic. Then why even post the thread? GF's severance of 30k is "not bad" but is completely eclipsed by the 45k wedding! Of course th...
by sunny_socal
Mon Oct 15, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6467

Re: When to stop putting money into an older vehicle

First, I would not drive a 15 year old vehicle. There have been too many safety improvements in the intervening years. When I have had to make a similar decision, I always check the value of the vehicle as a trade-in. If the vehicle is worth $8,000, I’d probably do a $1,000 repair. If the vehicle i...
by sunny_socal
Mon Oct 15, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3164

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

40-45k on a wedding? Are you flying all your friends to a tropical island? :shock: Low budget wedding idea: 10k total - Rent a space for cheap for the ceremony (if you have one), a local church might be free - Find a cheap place for the reception (eg. went to one at a local yacht club, it was great!...