Search found 1506 matches

by sunny_socal
Thu Jun 07, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3351

Re: Found an FSBO home for sale. How to avoid Realtor?

Updates : 1. I filled in the Zillow "I'm interested in this home" form and 5 minutes later a Realtor called me. (WTH!) Turns out various agents have paid to attach themselves to listings on Zillow regardless of how they are being sold (ie. through an agent or FSBO) This agent said he'd be expecting...
by sunny_socal
Thu Jun 07, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3351

Found an FSBO home for sale. How to avoid Realtor?

Hi all, I'm moving soon and will be shopping for a house this weekend. We have a couple days set aside with a realtor, everything has been arranged already in terms of when we'll meet. However we won't be meeting our realtor for another couple days, nothing has been signed. But now I found a house t...
by sunny_socal
Tue Jun 05, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17516

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

TLDR My kids are "average" and we're "upper middle class." Don't expect to get a penny from anyone. Our plan is to put the kids into community college for a couple years followed by a state college for a couple more. If they want a MS they can get their first employer to pay for it and take classes ...
by sunny_socal
Mon Jun 04, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Using multiple real estate agents simultaneously
Replies: 9
Views: 761

Using multiple real estate agents simultaneously

We're making a long distance move and we're looking for a house. Is it possible to use multiple real estate agents? The agents we've found are clearly local experts for different parts of town. (Via MLS they can of course provide information on any house.) We have a trip scheduled for three days and...
by sunny_socal
Sat Jun 02, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1195

Re: Early termination of Cable + Internet

I'd pay the fee, then never get 'cable' again. Everything is available online these days and you'll save a ton of money.
by sunny_socal
Fri Jun 01, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Looking for: Mortgage Broker in Austin TX
Replies: 1
Views: 218

Looking for: Mortgage Broker in Austin TX

Hello,

I'm looking for a mortgage broker in Austin TX. My relocation company has already provided several lenders but they are all with traditional Brick & Mortar banks (eg. Chase, Wells Fargo) and I know from experience they aren't very aggressive with rates compared to a broker.

Thanks
by sunny_socal
Wed May 30, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8171

Re: The Side Hustle

I could quite easily do a 2nd job: engineering consultant. However I'd have a conflict of interest with my current employer. Furthermore all my ideas 'belong' to the current employer per the contract I signed when I joined. I'm not supposed to be working for someone else. I spend some of my weekend ...
by sunny_socal
Tue May 29, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2458

Re: Solid Raw wood from South Africa infestation?

If I remember correctly 156 Degrees is what most hardwoods are kiln dried at and 115 for most softwoods. I would think a penetrating oil, tung oil, or flax seed oil would be a good surface sealer. I use organic flax seed oil in all the spoons and bowls I carve. It does take a bit longer then tung o...
by sunny_socal
Tue May 29, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2458

Re: Solid Raw wood from South Africa infestation?

There are tons of those bugs out here in CA, any wood left outside will develop the little sawdust piles and tunnels throughout.
by sunny_socal
Tue May 29, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 742

Re: Selling car in CA, titled in absent owner's name

I've never had to present physical plates to take a car off insurance. It's always been a simple phone call to put a car on/off. (USAA)
by sunny_socal
Mon May 28, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 240
Views: 27764

Re: Why pay cash for a car?

If the rate is low enough to be attractive, it is being subsidized by the auto maker. If you go all cash, you can get some of that subsidy in the form of a price reduction. This right here. Automaker doesn’t give you the zero interest for free. You pay for it during the negotiation with a different...
by sunny_socal
Sun May 27, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8185

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out." Maybe that is my problem, no dates because I am not wearing the proper shoes for dating... My wife does not even notice my shoes. It all worked out for me. My wife noticed, back when we were dating. And she still...
by sunny_socal
Sat May 26, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 23894

Re: Do people still use AAA?

We've had AAA for years. Sometimes we get a decent discount on a hotel, this is usually enough to justify the membership. About a month ago I also used them to replace a dead car battery. At first it was a jump start and I was headed over to Sears but the technician said he had a compatible battery ...
by sunny_socal
Sat May 26, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Minor car accident two years ago. How long till clear record?
Replies: 14
Views: 1414

Minor car accident two years ago. How long till clear record?

A couple years ago I had a minor accident, I rear-ended someone at one of those freeway on-ramps (5MPH, little damage but insurance was involved.) By the following week my car was in the shop and I was driving my full length pickup truck and I scraped someone else in a parking lot. Insurance involve...
by sunny_socal
Sat May 26, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8185

Re: Help Buying Mens Shoes for Work and Dating

I don't see the difference between the scenarios. Ecco shoes are excellent, they'll definitely fit [1] and [3], maybe you could look elsewhere if you really want something for [2] as well.
by sunny_socal
Thu May 24, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1018

Re: Affordable luxury ladies watch?

My wife has a Nomos which is lovely, well below 3k and is fully propelled by gears/wind up. IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other th...
by sunny_socal
Thu May 24, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1018

Re: Affordable luxury ladies watch?

IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other than brand and design. +1 At that price point, you're just getting a cheap quartz movement wra...
by sunny_socal
Thu May 24, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Solar Power in Austin, TX
Replies: 5
Views: 442

Solar Power in Austin, TX

Hello, I'm relocating to the Austin metro area. We haven't bought a house yet, but it will likely be in the Leander, Dripping Springs or West Austin areas. Basically anywhere west of I-35 but nothing north of Leander and nothing south of Driftwood/Buda. Anyone live out there and have solar? I have s...
by sunny_socal
Thu May 24, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1018

Re: Affordable luxury ladies watch?

IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other than brand and design. +1 At that price point, you're just getting a cheap quartz movement wra...
by sunny_socal
Wed May 23, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2352

Re: Buying a Woman's Tag Heuer On-line

Jomashop is another well known online 'grey' dealer: https://www.jomashop.com/tag-heuer-watch-way1455-bd0922.html I would have no problem buying a Tag from a reputable online dealer. Most likely it's a quartz, meaning the only maintenance it will ever require is a new battery. I noticed the unusual...
by sunny_socal
Wed May 23, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 94
Views: 17540

Re: Water Heater Install $1,800!

Location : San Diego Heater : 40-gallon propane Home Depot Cost of Heater alone: $615 Heater & Installation: $1400 Lowes Cost of Heater alone: $625 Heater & Installation: $950 The installation prices above include the necessary permit and hauling away the old unit. Needless to say I went with Lowes...
by sunny_socal
Tue May 22, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2352

Re: Buying a Woman's Tag Heuer On-line

Jomashop is another well known online 'grey' dealer:
https://www.jomashop.com/tag-heuer-watc ... d0922.html

I would have no problem buying a Tag from a reputable online dealer. Most likely it's a quartz, meaning the only maintenance it will ever require is a new battery.
by sunny_socal
Tue May 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2830

Re: Anyone using Obitalk for Google Voice?

Any word on alternatives to Obi for the future? I LOVE my Obi202+GV solution :|
by sunny_socal
Tue May 22, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2830

Re: Anyone using Obitalk for Google Voice?

OBi was recently purchased by Polycom. I would expect an increasing push out of consumer, and wasn't going to buy an OBi 202 which is many years old also and likely to be discontinued soon. I use Callcentric for my E911, it's easy to have GV call my home phone via PC interface, then place the call ...
by sunny_socal
Tue May 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Unknown issue porting FIOS number to Cox
Replies: 10
Views: 754

Re: Unknown issue porting FIOS number to Cox

Consider cancelling your port to Cox and port it to Google Voice instead. Then you can get an Obi VOIP box for $50 and never pay any kind of "phone" bill again. :beer
by sunny_socal
Mon May 21, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless, Unlocked Phones, Advantages, SIM Size
Replies: 10
Views: 787

Re: Cricket Wireless, Unlocked Phones, Advantages, SIM Size

We've been using Cricket on various unlocked GSM/LTE phones for years. Just pull the sim from your old phone and put it in the new one: *poof*, you're online again as if nothing happened. :beer

Currently using a Samsung Note 8 :mrgreen:
by sunny_socal
Sun May 20, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

No one was able to help me out with my original question, but I eventually found this calculator: https://www.allpropertymanagement.com/resources/rent-or-sell.html One must select 'advanced options' in order to properly enter the current mortgage parameters. BH Landlords: please try it out and let m...
by sunny_socal
Thu May 17, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 508

Re: Pull money out of HSA for non-approved items?

There's a 20% penalty plus the withdrawal is taxed as regular income . You would almost certainly be better off getting the money elsewhere. The penalty is waived if you're over 65. I thought it was only 10% The penalty on HSA early withdrawals is 20%. Yes, according to Pub. 969. I think they raise...
by sunny_socal
Thu May 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 508

Re: Pull money out of HSA for non-approved items?

MP123 wrote:
Thu May 17, 2018 12:59 pm
There's a 20% penalty plus the withdrawal is taxed as regular income. You would almost certainly be better off getting the money elsewhere.

The penalty is waived if you're over 65.
I thought it was only 10%
by sunny_socal
Thu May 17, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 508

Pull money out of HSA for non-approved items?

Anyone know how to pull funds out of an HSA account for non-approved procedures? We have ~$7k in our account just sitting there, we're seldom in need of actual medical treatment at this time. However my wife would like to have some "work" done (wrinkle treatment), I don't think this is approved. Is ...
by sunny_socal
Thu May 17, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Stop ESPP and 401k before quitting job?
Replies: 3
Views: 324

Stop ESPP and 401k before quitting job?

I'm planning on giving notice in a couple weeks. I'd like to avoid the situation where my final paycheck still has things like ESPP and 401k pulled out, simply to generate a little bit more cash for our move. But is that a good idea? I suppose the ESPP would just get refunded since I'm stopping slig...
by sunny_socal
Thu May 17, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 671

How to find a realtor after relocating

We'll be moving from CA to TX next month and living in temporary housing initially. We're looking to buy a house over the summer. But how to get started? These days it's easy enough to browse the online listings and find a house but it would be nice to work with a local realtor who knows the area an...
by sunny_socal
Wed May 16, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

- $3k/month rental income - $3k/month rental expenses (mortgage, insurance, taxes, rental manager fee) Income on this rental property is the rent that you receive Expense - only the interest part of the mortgage loan, property depreciation amount for that year, insurance, property taxes, any HOA fe...
by sunny_socal
Tue May 15, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

Why are you keeping the rental? Because we like the house and we may move back... This is our first time and being landlords. What is considered a loss? - Is it the difference between our income and expense? - Or is it just any expense? If it's the latter, renting out a home doesn't seem all that a...
by sunny_socal
Tue May 15, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

- $3k/month rental income - $3k/month rental expenses (mortgage, insurance, taxes, rental manager fee) Income on this rental property is the rent that you receive Expense - only the interest part of the mortgage loan, property depreciation amount for that year, insurance, property taxes, any HOA fe...
by sunny_socal
Tue May 15, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

I see, thanks Millenial! I thought it might end up being a terrible deal for us, but this doesn't sound that bad.
by sunny_socal
Tue May 15, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Re: Tax calculation with Rental and W2 income over 150k

Why are you keeping the rental? Because we like the house and we may move back... This is our first time and being landlords. What is considered a loss? - Is it the difference between our income and expense? - Or is it just any expense? If it's the latter, renting out a home doesn't seem all that a...
by sunny_socal
Tue May 15, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax calculation with Rental and W2 income over 150k
Replies: 13
Views: 882

Tax calculation with Rental and W2 income over 150k

I'm starting a new job and will keep my old house as a rental. I'm terribly confused on how my tax situation will look! :shock: - $187k W2 annual pre-tax income - $400k value of property (ie. just the structure, I'll use this as my basis for depreciation over 27.5 years) - $3k/month rental income - ...
by sunny_socal
Wed May 09, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4739

Re: Best cash-back credit card right now?

I use:
[1] Costco/Citi Visa card for gas (4%) and restaurants (3%)
[2] Alliant Visa for everything else (3% first year, 2.5% thereafter)
by sunny_socal
Wed May 09, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 962

Re: Most economical way to move vehicles State->State

Thanks for all the ideas! My son is age 15.5 - just passed his CA DMV written test and got a learner's permit but is not allowed to drive by himself. One of the vehicles is 'his' and we'll still need it at the other end but he won't be able to caravan. Tentative plan: - I'll recruit my brother to do...
by sunny_socal
Tue May 08, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 962

Re: Most economical way to move vehicles State->State

[2] Ship them via some carrier, I'd estimate $1000 per vehicle. I'm afraid to actually get a quote online since these generate spam. Create an email address just to use for purposes such as this rather than just guessing at a price. If the vehicles can be so easily sold and then repurchased, just s...
by sunny_socal
Tue May 08, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 962

Re: Most economical way to move vehicles State->State

emoore wrote:
Tue May 08, 2018 11:00 pm
So do you have a place to store all these vehicles in Austin? If not you need to sell some. No point in keeping vehicles you can’t use.
Not yet, but planning on buying a house once we move there.

I suppose I could leave a couple here with friends/family and come pick them up at a later date.
by sunny_socal
Tue May 08, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 962

Most economical way to move vehicles State->State

I'm moving from San Diego to Austin this summer. We have several vehicles to move and the company is not offering a 'full' relo but rather a lump sum. I would like to keep them all if possible and would like to spend as little as possible. It seems I have options: [1] Sell some vehicles and buy them...
by sunny_socal
Tue May 08, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 39
Views: 5321

Re: Alliant 3/2.5% card - any experience?

Still loving this card! Will be moving soon and we're putting a lot of money through the card. My last couple cash back rewards have been over $300 per month :mrgreen:
by sunny_socal
Tue May 08, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 2022

Re: Spark Plugs only vs Tune Up?

Only do the recommended maintenance per Toyota, there's no such thing as a "tune up" these days.
by sunny_socal
Sat May 05, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2503

Re: SUV vs Full Size Car - Taurus or Escape

I got my new Escape and I am very pleased with all of the safety features and how it handles. In Michigan I think we have the highest insurance cost in the nation as we have are a no fault state. I was paying about $2,000 a year for my Taurus with State Farm. The sales reps told me that I would get...
by sunny_socal
Fri May 04, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2503

Re: SUV vs Full Size Car - Taurus or Escape

If you're stuck on picking between those two, I vote for the Escape.

I guess you're a Ford fan. I've had both of those vehicles and I would never buy them again:
- Taurus has a solid history of mediocrity
- Escape is one tiny 'SUV'. At least get an Explorer if you can afford it.
by sunny_socal
Thu May 03, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2691

Re: What Android browser do you use?

c.coyle wrote:
Mon Apr 30, 2018 11:54 am
Opera
+100 :beer

I used Dolphin for a long time but it seems they have trouble keeping up with the OS updates. It has nice tabbed browsing but crashes all the time.

Opera gives you the 'tablet' experience with true tabbed browsing. And I've never seen it crash! It is browser heaven :)
by sunny_socal
Thu May 03, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5453

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

What would make you want to buy a vehicle that you pretty much know you are going to have problems with? Why not buy something closer to the top of the list, or even average? Because it's more fun than a Camry. And some people like to bolt on all kinds of aftermarket stuff. It's a Jeep thing, you w...
by sunny_socal
Thu May 03, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5826

Re: Moving to The Woodlands,TX

I'm looking at Austin right now. But if I were looking at Houston, the Woodlands would be at the top of my list! :D I really don't like snow. I've lived in the US Midwest for a while and I think they get some of the worst winter weather in the world. Don't even talk about the East Coast, the very th...