Search found 2719 matches

by sunny_socal
Mon Jan 30, 2023 6:49 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

I'll be curious to hear how you like the Moccamaster vs the Zojirushi. I've had my eye on them over time, but I've been using the Zojirushi for about 8 years and really am very happy with it. It's one of the few other brands that brews at the proper temperature. And, I like having the timing feature that the Moccamaster doesn't have. Of course, that means I have to grind my beans the night before. Seems a shame to go through the effort of getting a brewer that brews at the correct temperature, and then spoiling all that by feeding it stale coffee... Does the coffee become stale just from being exposed overnight? For me grinding in the morning is not really an option, the entire family is still asleep. Nothing louder than a coffee grinder! ...
by sunny_socal
Mon Jan 30, 2023 6:39 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

I'll be curious to hear how you like the Moccamaster vs the Zojirushi. I've had my eye on them over time, but I've been using the Zojirushi for about 8 years and really am very happy with it. It's one of the few other brands that brews at the proper temperature. And, I like having the timing feature that the Moccamaster doesn't have. Of course, that means I have to grind my beans the night before. For those shopping around and not in a hurry, it's worth monitoring Amazon. Prices vary quite a bit at time and reductions vary by model. If you're still committed to the Zojirushi you can improve the performance by doing the "hot water tube hack." I forget where I found it, could have been simply in the Amazon review comments. Anyway, ...
by sunny_socal
Mon Jan 30, 2023 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Holy moly my credit score dropped like a rock!!
Replies: 84
Views: 11720

Re: Holy moly my credit score dropped like a rock!!

I value a high credit score. Bogleheads talk about "opportunity cost" and "dry powder", those are usually associated with having cash available to pounce on a good deal or a market downturn. A good credit scores allows access to the best credit deals, such as low APR loans or 0% credit cards. For example our mortgage is a paltry 2.5% - no way we would have it without a stellar score! That mortgage is essentially free now. Anyway, I also play the 0% CC games occasionally. It is true that carrying a balance on those cards may seem "free" but credit score is certainly impacted with a high balance. Even worse is being late on a payment, no matter how small. I was once suckered into applying for a department store C...
by sunny_socal
Mon Jan 30, 2023 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Chase $900 Checking + Savings Bonus
Replies: 127
Views: 22161

Re: Chase $900 Checking + Savings Bonus

I did this with my son yesterday. Went in with cashier's checks for the $15k. Turns out it's not enough to show the banker the BH thread or Doctorofcredit article :wink: One must actually have a personalized 16-digit offer code! :shock: Clicking all the links right there in the bank didn't generate the offer for me. Googled everywhere, this offer is mentioned on countless websites. Finally found this one: https://frequentmiler.com/chase-earn-900-with-a-new-checking-and-savings-account/ Note: You must open the link in an incognito tab! Your phone "knows" if you've used chase before or if you're a chase customer I actually had to borrow my son's iphone and generate the link, could not get it to work on android. Then you enter your e...
by sunny_socal
Mon Jan 30, 2023 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Claiming EV tax credit for a family member
Replies: 52
Views: 10655

Re: Claiming EV tax credit for a family member

A) Making large financial deals with family. B) Trying to find ways to get around the obvious intent and wording of the tax credit to trick the IRS Yeah, I see no ways this could backfire…. :oops: I am not asking for anything illegal. IRS/Congress allows many things that should be seemingly illegal. E.g. Mega backdoor ROTH or backdoor ROTH. Law was not implemented to allow it. But it is legal to do. Based on the input so far this seem similar (I know none of the replies are legal opinions). There are many such tax workarounds that people use - especially businesses. Doesn't necessarily backfire. Agree with this. We all use whatever paths are open to us. Does anyone here not already claim whatever tax credits & deductions readily availa...
by sunny_socal
Mon Jan 30, 2023 5:27 am
Forum: Personal Finance (Not Investing)
Topic: How much will you get as Costco Citi reward this year?
Replies: 112
Views: 16740

Re: How much will you get as Costco Citi reward this year?

$650 + $150

I always got the cash from a "red shirt" person, still plan on doing so - I'll buy a tub of mixed nuts if a purchase is indeed required. This is my way of putting away a little cash, it goes straight into the safe.

There are all kinds of small [abbreviated profanity removed by moderator oldcomputerguy] events where cash may come in handy. When we lived in CA the power went out for 24h, stores were immediately empty and people were fighting at gas stations! A couple years ago we lost power for about two weeks here in TX. Other parts of the country have it much worse. Plan according to the local risk factor and your own comfort level. I try to keep it as $20 bills, hundreds are often not accepted.
by sunny_socal
Sun Jan 29, 2023 4:37 pm
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

Don’t forget the grinder part of the equation, as well as getting good beans. Honestly, the coffee maker matters way, way less. I often use a $10 pour over (V60) with a very nice grinder, and it makes outstanding coffee. If you’re using preground coffee, it’s a waste of money IMO to spend a lot on a coffee maker. If you’re using a ~$100 grinder, such as a Baratza Encore, look into something around the $300-$400 range, such as a Fellow Ode 2 or Lagom Mini. With fresh beans, you’ll taste a noticeable improvement in the cup. I’m not saying you need to spend a lot on coffee, but if you’re going to spend a lot on a coffee maker, invest in a good grinder and fresh beans. Otherwise it’s like putting cheap tires on a Ferrari. Noted. Christmas gift...
by sunny_socal
Sat Jan 28, 2023 8:57 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

I love the drip stop feature on my Mocamaster. I close it when the brew first starts and let the grounds saturate (aka - bloom) and then finish brewing. Technivorm also sells factory reconditioned units at a substantial discount - about $100 less. Mine looked perfect. The only drawback is that they only have a 1 yr warranty vs 5 yrs for retail ones. They always show out of stock on their website but if you call there's a good chance they have some available. Wish I had known that! I'd have no problem with a used unit from the factory. Thanks to the BH enablers I guess I'll be buying a 'real' burr grinder as well :? I currently have a Cuisinart originally purchased from Costco but per online reviews a proper burr grinder is better. And as l...
by sunny_socal
Fri Jan 27, 2023 11:56 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

coffeeblack wrote: Fri Jan 27, 2023 11:05 am Always drink good coffee. Do it black. :D
Well if it's good coffee I indeed drink it black. I only add cream if it's bad coffee (eg. $tarbucks) I swear they must know something about coffee in Europe. Even the guys peddling coffee at subway stations know what they're doing! I don't think I've had a bad cup.

In the USA bad coffee is everywhere, notably gas stations and 7-11. And I see they're all using Bunn coffee machines, what are they doing wrong? :(

Shockingly enough, McDonald's has possibly the best "value" coffee from all the bad options. Locally it's $0.60 including tax for a "senior coffee" (ie. small) It's about 50% discount. That's my frugal BH tip of the day! :wink:
by sunny_socal
Fri Jan 27, 2023 10:45 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Re: Technivorm Moccamaster KBTS coffee machine

teamDE wrote: Thu Jan 26, 2023 9:24 pm The Bonavita is also SCA certified and has lots of good reviews for the half the price. I have the older version of this one and it's going on ten years old.
https://www.amazon.com/Bonavita-One-Tou ... FO1HK?th=1
Well snap! I had the Bonavita in my Amazon wish list for years but it's now marked as "discontinued." I didn't think to look for a newer model!

Oh well, all the Moccamaster models have consistently good review. Even the people who list complaints still rate them 4/5 stars! Plus I do have a personal connection - my aunt has a Moccamaster and I've had hundreds of coffees at her house growing up. I swear, she made the best coffee on the planet.

Buy once, cry once :beer
by sunny_socal
Fri Jan 27, 2023 10:38 am
Forum: Personal Consumer Issues
Topic: Thinking about getting a Hot Tub / Spa
Replies: 57
Views: 6558

Re: Thinking about getting a Hot Tub / Spa

mark_in_denver wrote: Thu Jan 26, 2023 7:53 pm Why does your wife want one? I have a bad back so I use the one at the gym. I really don't like using public hot tubs, but sometimes the back pain overrules my thought of what's really in that water. I find it very helpful for my back, but that's it. I wouldn't think of getting one otherwise. Many people get hot tubs use them for a bit then they don't get used.
She grew up with a spa. Plus she _loves_ baths! :)

She's thrilled. I pour her a glass of wine and listen to her unload all her work issues. I just have to sit there! :wink:
by sunny_socal
Thu Jan 26, 2023 3:24 pm
Forum: Personal Consumer Issues
Topic: Thinking about getting a Hot Tub / Spa
Replies: 57
Views: 6558

Re: Thinking about getting a Hot Tub / Spa

Ended up installing it myself with help from friends. Decided against pavers and just built a deck instead. Cost breakdown: - $11k for the hot tub w/ tax & delivery - $2k for the deck (also DIY) - $1k for electrical wiring, new panel, conduit - $500 for gravel to create the foundation and also some rock under the deck - Also added a separate 110v outlet and a water spigot near the tub, both for maintenance Went with the compressed gravel 'pad' per recommendation from the sales guys - concrete is of course preferred but the downside is lack of drainage. The gravel is considered completely adequate and is simple to install & level. Electrical: - 60A breaker at the feed - 6ga wire - 100ft - 50A "spa panel" from Home Depot - Y...
by sunny_socal
Thu Jan 26, 2023 3:03 pm
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6372

Technivorm Moccamaster KBTS coffee machine

My drip coffee maker died! It was a Zojirushi and I'd been pretty happy with it.

Next up is a Moccamaster:
https://www.amazon.com/gp/product/B001L ... UTF8&psc=1

[img/]https://content.abt.com/image.php/big_7 ... &min_h=550[/img]
[Image link broken by Moderator Misenplace - forum policy states avoid distracting formatting]
I'll post my BH review once it arrives! :beer

Anyone else have one? (or the other moccamaster models) Supposedly it brews the perfect cup of coffee.
by sunny_socal
Wed Jan 25, 2023 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $900 Checking + Savings Bonus
Replies: 127
Views: 22161

Re: Chase $900 Checking + Savings Bonus

The chase deposit problem has nothing to do with the offer. My son had his account frozen due to suspected fraud and he was trying to pull money out, not put it in. Chase is as good or bad as wells Fargo or bofa for example. Well, if they truly suspect fraud; they need to call the account holder, close the account, open up another account for the account holder and establish a safe word for the account. That’s what NFCU did on 2 occasions for us when they truly suspected fraud. And that was similarly done at Chase credit too for us. My recent experiences with PNC, Wells, Capital One against my limited experience with Chase Bank is that Chase appears pretty messed up. Indeed they should! We have several threads with Chase problems, they're ...
by sunny_socal
Wed Jan 25, 2023 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $900 Checking + Savings Bonus
Replies: 127
Views: 22161

Re: Chase $900 Checking + Savings Bonus

The chase deposit problem has nothing to do with the offer. My son had his account frozen due to suspected fraud and he was trying to pull money out, not put it in.

Chase is as good or bad as wells Fargo or bofa for example.
by sunny_socal
Wed Jan 25, 2023 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Chase $900 Checking + Savings Bonus
Replies: 127
Views: 22161

Re: Chase $900 Checking + Savings Bonus

AllMostThere wrote: Wed Jan 25, 2023 5:54 am This just proves that sometimes "easy money" juice is not worth the squeeze. With all the negative comments on Chase account locks (& Citi in another savings bonus thread) and all the side-stepping hoops, I think I'll pass on this one. :annoyed
No, it doesn't prove a thing. Some people just want to avoid a real direct deposit and try shortcuts.

I'm planning on doing it this week:
- Walk into Chase with $15k cashier's check from bank across the street
- Open account
- Set up direct deposit from my employer (I already have about 10 going to different banks)
- Wait for bonus to be awarded

$900 is pretty good considering I'm just spending a lunch break :beer
by sunny_socal
Wed Jan 25, 2023 8:15 am
Forum: Personal Consumer Issues
Topic: Roomiest 3rd row SUV
Replies: 41
Views: 5646

Re: Roomiest 3rd row SUV

Just some quick stats. Your minivan has 164.4 ft3 of passenger space, plus 39.1 ft3 cargo space past the third row. Generally speaking, what I would call "midsize" SUVs (some would call large) will be smaller on the inside. Like, the Telluride currently has 157.1 ft3 of passenger volume, plus 21 ft3 of cargo space past the third row. Pilot is 158.4/18.6. And so on. A lot of that reduction tends to come in the third row--actually more than you might think because of the different interior shape. So, for example, your minivan has 36.3 inches of third row leg room and 50.3 inches of hip room. The Telluride is 31.4 inches of third row leg room, 43.7 inches of hip room. Pilot is 32.5/44.6. To get something comparable to your minivan, ...
by sunny_socal
Tue Jan 24, 2023 9:36 pm
Forum: Personal Consumer Issues
Topic: Mysterious dripping sound in ceiling **SOLVED!**
Replies: 64
Views: 21605

Re: Mysterious dripping sound in ceiling **SOLVED!**

We have a mysterious dripping sound as well. Our son's room is upstairs and every time he takes a shower we hear "Drip drip drip..." on the ceiling of the room below.

But no wet spot! No way to look in the walls. I'm assuming the shower pan or drain weren't properly installed and there is indeed a drip but the water dries up each day before doing damage. *shrug*
by sunny_socal
Tue Jan 24, 2023 9:28 pm
Forum: Personal Consumer Issues
Topic: Switch from Propane to Natural Gas
Replies: 61
Views: 4861

Re: Switch from Propane to Natural Gas

cmr79 wrote: Tue Jan 24, 2023 6:57 am
sunny_socal wrote: Tue Jan 24, 2023 6:35 am Solar tends to come with strings attached and one of those is being grid-tied, so no thanks.
What do you mean by this? You don't even need battery backup for grid-connected solar to continue working during a power outage these days...there are now multiple solar inverter brands that will automatically disconnect from the grid during a power outage.
Back when we had solar it was not allowed to have a disconnect of any kind from the grid (per the NEM agreement.)
by sunny_socal
Tue Jan 24, 2023 6:35 am
Forum: Personal Consumer Issues
Topic: Switch from Propane to Natural Gas
Replies: 61
Views: 4861

Re: Switch from Propane to Natural Gas

If you go with electric you could get benefits of solar. Natural gas is one of the most cost effective and efficient energy sources on the planet. I've had solar and in some cases it makes sense, but I'd never give up having a gas line into the house. (Plus you're suggesting OP pony up tens of thousands in additional cash) What I want on electric: - Possibly water heater (if tank) - Lights, obviously - Spa Where I like gas: - Cooking - Tankless water heater - Central furnace As someone else, power outages may be a reality depending on where you live. We've had power go out for weeks in the middle of winter, but we could still cook and heat the house (also have small generator.) Solar tends to come with strings attached and one of those is ...
by sunny_socal
Sun Jan 22, 2023 8:11 am
Forum: Personal Consumer Issues
Topic: Luggage looks bad after one use
Replies: 39
Views: 2930

Re: Luggage looks bad after one use

Another +1 for canvas luggage. Never understood the current trend of overpriced hard luggage (especially aluminum.) The only thing missing is a tag that says "I paid $1k for this thing!" My $200 bag, 20 years old, still looks new after hundreds of trips.
by sunny_socal
Sun Jan 22, 2023 8:07 am
Forum: Personal Consumer Issues
Topic: Switch from Propane to Natural Gas
Replies: 61
Views: 4861

Re: Switch from Propane to Natural Gas

Depends on long you'll stay in the house! You've already done some math to show when you'll break even.
by sunny_socal
Wed Jan 18, 2023 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Surprised that my future Social Security Benefit Went Up.
Replies: 25
Views: 4273

Re: Surprised that my future Social Security Benefit Went Up.

Rather than being pleased about it going up 7%, you should be upset it didn't increase by 10% to match inflation :?
by sunny_socal
Fri Jan 13, 2023 11:59 am
Forum: Personal Finance (Not Investing)
Topic: At What Multiple of X Would You Be Comfortable to Semi-Retire?
Replies: 127
Views: 16160

Re: At What Multiple of X Would You Be Comfortable to Semi-Retire?

rockstar wrote: Fri Jan 13, 2023 11:54 am It's hard now because of inflation being so high. Expenses are going up faster than expected.
Indeed. 10% inflation (which is likely closer to 20% actually) destroys all dreams of COASTfire let alone FIRE.

I'll need to keep working until my body & mind are worn out. Then I'll begin gnawing away at my meager stash while inflation burns it from the other end. The old notion of 7% annual growth and 4% withdrawal seem ludicrous.
by sunny_socal
Thu Jan 12, 2023 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1277365

Re: Refinance Mega Thread

My understanding is that most primary home mortgages (which were the ones with 2.5% rates last year) require you to occupy the property as your [primary residence. If you decide to rent it out then it won't qualify as your primary home and thus the mortgage company may have a right to call the loan. If I have to move I'm holding my 2.5% mortgage. Would rent out my existing house to someone, and rent a home from someone at the new location. It's unfortunate that these rates are hitting the housing supply side. Fewer homes, more money for them. It depends on what the documents say. My last mortgage said it had to be my primary residence for 1 year. Never heard of this actually happening. Especially since most loans get sold off as soon as th...
by sunny_socal
Thu Jan 12, 2023 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: balancing savings and enjoying life
Replies: 48
Views: 5970

Re: balancing savings and enjoying life

I don't think you should seek to enjoy life until you get to a $500K net worth (or $1M for couples due to divorce risk). That just gets you the very basics of a middle-class life - $300K for a condo, $50K for a car, furniture and emergency fund, and $150K in investments (assume the $150K is acquired relatively early in life so it can compound into a decent supplement to SS). I think it's a big mistake to not be fanatically obsessed with money when you have less than $500K. Above that, the balance should shift (maybe significantly) toward enjoying life. But not before. I think the vast majority of people would be stressed out and throwing away some of the best years of their lives (20s/30s/beyond) if they tried to follow this advice. Agree....
by sunny_socal
Thu Jan 12, 2023 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Wife's 401k closed, Fidelity auto-created a "Rollover IRA"
Replies: 19
Views: 2068

Re: Wife's 401k closed, Fidelity auto-created a "Rollover IRA"

David Jay wrote: Wed Jan 11, 2023 8:44 pm
sunny_socal wrote: Wed Jan 11, 2023 8:35 pm Well she didn't do anything about it last year. We didn't do any roth conversions.

What does it mean for this year - I'm assuming we'll need to get that account balance to zero.
For a tax free backdoor process in 2023 and beyond, you will want to get the pre-tax IRA balance to zero by December 31, so you have plenty of time. Two good ways to do that:

1. Roll over the $3500 into her current 401K, assuming the employer plan allows rollover additions.
2. If not, convert the $3500 to Roth. It will cost you (as lakpr pointed out above) something less than $1120, depending on your tax bracket.
She just got off the phone and did exactly that!

So yes for 2023 we do intend to do the back-door. Just didn't do any in 2022.
by sunny_socal
Wed Jan 11, 2023 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's 401k closed, Fidelity auto-created a "Rollover IRA"
Replies: 19
Views: 2068

Re: Wife's 401k closed, Fidelity auto-created a "Rollover IRA"

Well she didn't do anything about it last year. We didn't do any roth conversions.

What does it mean for this year - I'm assuming we'll need to get that account balance to zero.
by sunny_socal
Wed Jan 11, 2023 6:17 am
Forum: Personal Finance (Not Investing)
Topic: balancing savings and enjoying life
Replies: 48
Views: 5970

Re: balancing savings and enjoying life

Personally My biggest potential "regret", and I use that loosely, is that my father in law is well off, and my wife is his only child (and he is in his mid 80's- we are low 40's), so I know there is likely to be a nice inheritance coming, and maybe we could do even more and save less, and still be well enough off to be fine in retirement and set our daughter up in a good place as well. Although I agree you can never count on an inheritance as your financial plan and consider it a "bonus" if it does occurs. My view of inheritances is the money isn't your until it is in your account. I too am likely to receive a decently substantial inheritance but it plays zero part in my planning at this time and I am a decade older tha...
by sunny_socal
Tue Jan 10, 2023 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1082205

Re: Share your net worth progression

During 2017-2020 reached $2M

Now since start of 2021 it's been down to $1.8M and not growing.
by sunny_socal
Sat Jan 07, 2023 12:22 pm
Forum: Personal Consumer Issues
Topic: What are your LEAST favorite vacation destinations
Replies: 399
Views: 43748

Re: What are your LEAST favorite vacation destinations

That's easy!

West coast:
- California
- Washington
- Oregon

Midwest
- Illinois
- Michigan

East Coast:
- New York
- Jersey

And of course DC
by sunny_socal
Tue Jan 03, 2023 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account frozen-has this happened to anyone?
Replies: 56
Views: 8370

Re: Bank account frozen-has this happened to anyone?

My son's Chase account was not only frozen, it was wiped out from existence entirely. Chase also denied anything happened until I persisted - took about a week for them to admit they had acted based on possible fraud.

Seems like it can happen to anyone, at any bank, any reason :(
by sunny_socal
Fri Dec 30, 2022 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Was moving from a no income tax state to an income tax state really that bad?
Replies: 257
Views: 28778

Re: Was moving from a no income tax state to an income tax state really that bad?

hachiko wrote: Wed Dec 28, 2022 9:20 am
sunny_socal wrote: Wed Dec 28, 2022 1:48 am
jebmke wrote: Thu Dec 15, 2022 1:22 pm
DoubleComma wrote: Thu Dec 15, 2022 1:19 pm All states need to generate tax revenue in someway, no income tax states rely on other sources you will be paying into. IMO there is no free rides.
True; although some just scrape by with poor infrastructure, schools etc.
And some, like CA, have high taxes and poor infrastructure & schools!
Yeah, the UC system is so bad compared to other public schools around the country. :confused
UC system is very expensive even for locals. A colleague was saving in anticipation of paying $50k/year for his kids.

It's the K-12 that are horrible. Easy to have good universities when they can charge private school prices.
by sunny_socal
Wed Dec 28, 2022 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Best Overall Credit Card?
Replies: 127
Views: 20183

Re: Best Overall Credit Card?

Rex66 wrote: Sat Dec 03, 2022 2:43 pm Alliant 2.5% back works for me currently
Same.

No annual fee, no categories. Just straight cash back up to $250/month on 10k spend.

It's paired up with the Costco Visa which has 4% on gas and 3% on restaurants/travel. Effectively $0 annual fee since I have the costco executive membership (ie. you receive an extra cash-back coupon each year to cover the fee.)
by sunny_socal
Wed Dec 28, 2022 2:47 am
Forum: Personal Consumer Issues
Topic: RC car for a 10yrs old ?
Replies: 17
Views: 1668

Re: RC car for a 10yrs old ?

Traxxas Rustler VXL
https://traxxas.com/products/models/ele ... er-vxl-tsm

Don't bother with the non-VXL model although it's cheaper. The VXL has a brushless motor and that alone is worth the upgrade. The VXL frame & components are also stronger than the base model. A fantastic RC car!

There's also a 4x4 version but it's more $$.

And of course you'll need to buy a good lipo charger and a couple lipo batteries. If driving on sand I highly recommend the "Sand Paw" tires.
by sunny_socal
Wed Dec 28, 2022 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Was moving from a no income tax state to an income tax state really that bad?
Replies: 257
Views: 28778

Re: Was moving from a no income tax state to an income tax state really that bad?

jebmke wrote: Thu Dec 15, 2022 1:22 pm
DoubleComma wrote: Thu Dec 15, 2022 1:19 pm All states need to generate tax revenue in someway, no income tax states rely on other sources you will be paying into. IMO there is no free rides.
True; although some just scrape by with poor infrastructure, schools etc.
And some, like CA, have high taxes and poor infrastructure & schools!
by sunny_socal
Mon Dec 26, 2022 9:22 am
Forum: Personal Consumer Issues
Topic: Any way to buy a decent refrigerator these days?
Replies: 137
Views: 23634

Re: Any way to buy a decent refrigerator these days?

My MIL always buys the "best" fridge and always get the extended warranty. Then that fridge breaks down every couple years and she gets it repaired for "free" while losing $500 in food.

I've found it best not to over think it. When I need a fridge I head over to home depot and buy one of their floor models. I put it in my truck, take it home and move my food from the old fridge to the new one.

Then I haul the old fridge to the nearest dump. Done!
by sunny_socal
Sat Dec 24, 2022 8:16 am
Forum: Personal Consumer Issues
Topic: Trip cancellation - what happens to unused plane tickets?
Replies: 12
Views: 1147

Re: Trip cancellation - what happens to unused plane tickets?

I clicked "cancel trip" in my flight reservation and they would email me a credit. (Did not submit)

Seems like I'll be out the money regardless. Need to think of a way to turn this trip into a mini vacation.
by sunny_socal
Sat Dec 24, 2022 7:47 am
Forum: Personal Consumer Issues
Topic: Trip cancellation - what happens to unused plane tickets?
Replies: 12
Views: 1147

Trip cancellation - what happens to unused plane tickets?

Arranged a personal trip for next month, declined the "trip cancellation insurance." Thought the trip would 100% happen. Things changed, now there is no reason to go. It was $1000 via American Airlines. I've never had a trip get cancelled before, tickets are non-refundable.

Questions:
- Can I get the tickets changed?
- If I simply don't go, do I get to keep a "credit"?
- Can I get a partial refund?

TIA
by sunny_socal
Thu Dec 22, 2022 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Advice for Expecting Parents?
Replies: 38
Views: 3433

Re: Bogglehead Advice for Expecting Parents?

Congrats OP! :beer I think you have the important stuff covered already - Skip the Lamaze as someone pointed out. It was a waste of time - things will happen how they happen, no breathing class will help. - Little kids aren't very expensive. Plus they're very portable - just stick them on the plane, in the car... take them everywhere. - Teens are expensive. Food, clothes, cars, car insurance. - Time flies! Our babies are now in college :? - We're making our boys pay 50% of their college expenses. One decided to stay at home and a part-time job easily covers his share. The other wants to move out of state and he may need to take out loans. (We've warned against this.) Note that even a job at Home Depot pays $18+/hr, it's not hard to pull in ...
by sunny_socal
Tue Dec 20, 2022 11:25 am
Forum: Personal Finance (Not Investing)
Topic: I make $80,000 a year and drive a JUNKER but on pace to be a millionaire
Replies: 70
Views: 6303

Re: I make $80,000 a year and drive a JUNKER but on pace to be a millionaire

Those vehicles aren't junkers OP - they're just normal used Japanese cars. Ours are like that now too because we keep them for a while. My own experience: - Buying a high-mileage vehicle used with the intent to "save money" is often a bad tradeoff. It's likely to require much more maintenance (eg. my son bought a Toyota 4Runner with 220k miles, the dealer quoted $12k to fix everything - we didn't do most of it but it has a lot of 'deferred' maintenance items :wink: ) - Buying a luxury car instead of a mid-range Japanse vehicle makes a huge difference. BMW, Mercedes, Audi cost a great deal more to maintain than a Toyota. - Switching cars is expensive. Registration and fresh taxes are the transaction cost that will provide no benefi...
by sunny_socal
Fri Dec 16, 2022 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 309
Views: 30359

Re: How much do you keep in checking (2022)?

$50.

I get paid, I pay the bills and make sure to leave $50 in there. It's nothing but a conduit for paying bills.
by sunny_socal
Wed Dec 14, 2022 6:16 am
Forum: Personal Consumer Issues
Topic: Suggestions for the perfect car?
Replies: 82
Views: 7980

Re: Suggestions for the perfect car?

Fuel economy: Prius
Comfort & reliability: Lexus
toomanysidehustles wrote: Tue Dec 13, 2022 10:36 pm Toyota Land Cruiser or Sequoia. Because YOLO, and you have a 100 mile commute. Might as well be comfortable right?
Yes indeed! :beer
by sunny_socal
Mon Dec 12, 2022 8:00 pm
Forum: Personal Consumer Issues
Topic: Grandma's wishes
Replies: 35
Views: 4851

Re: Grandma's wishes

finite_difference wrote: Sun Dec 11, 2022 12:52 pm There was an extremely tragic car accident.

It’s not worth fighting over something like this, unless perhaps there was an extreme financial need, in which case you could make a plea with the other family members.

Bowed down and so preserved. - Tao Te Ching
Or very merciful. I know people in the family & close friends struggling with dementia. They forget everyone, they forget who they are and need care like a toddler.
by sunny_socal
Mon Dec 12, 2022 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan, daughter not going to college
Replies: 56
Views: 10168

Re: 529 plan, daughter not going to college

CoastLawyer2030 wrote: Mon Dec 12, 2022 8:02 am This thread is confirmation why I am just saving as much money possible in a brokerage account. If the kids need it for college then great. But I'm not tying my money up over such a minimal tax benefit.
Minimal? I view it as a little 401k that is cashed out when the kid goes to school. No taxes ever.
I've put in 10k per kid, each account now has 25k. Pretty happy about that!

Now if the kids decides to do something else, fine, but nothing wrong with the account.
by sunny_socal
Sun Dec 11, 2022 10:14 am
Forum: Personal Consumer Issues
Topic: My Mint Mobile Experience... Terrible!!!!!! What has your experience been?
Replies: 59
Views: 9907

Re: My Mint Mobile Experience... Terrible!!!!!! What has your experience been?

Thanks for the tip for T-mobile 'senior' plans
https://www.t-mobile.com/cell-phone-pla ... ount-plans

Will definitely be switching once I turn 55 :beer

We're currently on Cricket @ $25/line but they don't offer international texting and no mobile hotspot. It's rather barebones compared to most plans these days.
by sunny_socal
Sun Dec 11, 2022 10:09 am
Forum: Personal Consumer Issues
Topic: Chase Ink Unlimited card: $900 bonus after 6k spend
Replies: 27
Views: 4573

Re: Chase Ink Unlimited card: $900 bonus after 6k spend

I am somewhat concerned about having a "business" card. I understand that one can be a sole proprietor but will this affect the premium of umbrella insurance. I remember they ask whether I run a business at home when I first got the insurance. When I applied for my Chase Ink card a while ago, Chase contacted me and required proof not just that I operated the business but that it had income (and wanted to know how much) for the previous year, based on my tax return . I only mention in case someone who doesn't have an existing business is applying for a card, and certainly other people's experiences will vary. I was approved for the card once I supplied the information required. I applied with my 'ebay business' in mind and selecte...
by sunny_socal
Sun Dec 11, 2022 10:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11152
Views: 2086229

Re: What Movie Have You Recently Watched?

Just saw 'Oblivion' on netflix (Tom Cruise.) Solid sci fi, personal rating 8/10 :beer
by sunny_socal
Sun Dec 11, 2022 8:54 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan, daughter not going to college
Replies: 56
Views: 10168

Re: 529 plan, daughter not going to college

Withdraw the funds, keep enough for yourself to cover the penalty and pay it. Then hand daughter a check :beer It will be less than if she had used it for college but that's nobody's fault.
by sunny_socal
Sun Dec 11, 2022 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa signature card
Replies: 40
Views: 6932

Re: Fidelity Rewards Visa signature card

FYI many other banks also use a 3rd party for their credit cards - that's particularly true of Credit Unions. They can't be bothered with the details so the card is outsourced. Still gets branded with your local bank and any rewards flow into your own account, you use your normal login, but customer service may be with a different company. No need to even think about it.