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    18% Service charge - Destination Seafood House in Westminster

    Went to a seafood place in Westminster called Destination Seafood House.  They said they only accept cash or Zelle payments.  That raised a red flag.  Then they said they don?t offer free water.  You have to pay for bottled water.  That was another red flag.  When the bill came, I noticed a 18%...
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    Don't understand box 3 of 1098

    I have a question on how box 3 "Mortgage Origination Date" on a 1098 is represented. The first loan was taken out on 10/01/14.  The very first time refinance was in 2016.  The 2016 1098, box 3 reads 10/01/14.  The second and third time refinance happened were in 2018.  Again, same mortgage on...
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    Owner's title insurance - optional? paid by seller?

    I understand when you are buying a home, you buy lenders title insurance.  But when you are selling a home, why does it say seller pays for "owner's title insurance" (optional)?  Shouldn't the buyer pay for owner's title insurance or is it something to do with Orange County, where the seller...
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    Wordwork and painter responsibilities

    I used OC Finishwood to do some wainscoting.  I hired my own painter.  The painting company said that the carpenter is supposed to caulk and prepare the wood so they just have to paint it.  OC Finishwood said that caulking and prepping is the painter's responsibility.  For those that have done...
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    security cameras dvr

    For those who have security cameras, where do you put the DVR?  Since the placement of the DVR determines where all the lines come in, was wondering what is the easiest.  Master bedroom?  Loft?  My neighbors run it into the garage but don't know how you would hardwire the internet cable since...
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    HOA approval for metal gate

    I've seen some owners put a metal gate right before the front door.  Do you need HOA approval? 
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    Barking dogs

    Has anyone had issues with neighbors who leave their dogs outside and barking randomly? I read that it is a domestic disturbance only if the dogs bark repeatedly for 30 minutes straight or they bark a total aggregate of one hour per day. So you call the Irvine PD, what can they really do? And...
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    Tax on food to go

    So I?ve been on both sides of the fence.  When I order food to go, some places charge me tax only when the item is heated.  Say subway, if I order a sandwich to go, and I get it toasted, then tax is applied.  If the sandwich is cold, there is no tax.  But I?ve also been charged tax on cold items...
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    How is tax charged by online retailers

    I have ordered items from online retailers and Amazon and have always been charged tax where it is delivered.  In this case, living in OC, tax is 7.75%  I have even ordered things from brick and mortar retailers based in Los Angeles, whose tax rate is higher at 9.5%, but they charge me tax based...
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    Costco appliances

    I read that Costco adds a second year warranty to the purchase of washers and dryers.  Has anyone purchased from them?  I have existing ones upstairs.  Just worried about the removal and delivery of it.  Anytime you move heavy appliances, there is chance of damaging flooring, walls etc esp from...
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    OMOMO

    There is always a line at this tea shop located on Alton and Jeffrey.  I finally tried it after waiting 15 minutes.  I heard some people wait close to one hour.  It?s good but damn, never seen so many people line up for boba before.
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    Glass walls in backyard

    I was looking at the Vista homes and I noticed the backyards have glass walls on the side so that you van peer into your neighbors yard.  It?s a small section on the sides but it appears that they did this for all the view lots.  Anyone know why they built them like this?
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    Removing oil off driveway

    I?ve tried almost everything.  I?m trying to get oil stains from old car, that?s a couple of days old off my driveway.  The driveway is made out of aggregate.  I tried dawn dishwasher soap and also WD-40 but neither worked.  I then tried trisodium phosphate (TSP) but that didn?t work either. ...
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    Electrician being bonded but not insured

    So what?s the difference between being bonded versus being insured? I always thought that if the contractor was bonded it means they have insurance to protect the customer in case something happens. I really like this electrician and he said he is bonded but he is not insured. He explained to me...
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    $750k limit for loan interest deduction

    If you refinanced after Dec 15, 2017 but your original loan was before that date, are you grandfathered into the old $1m mortgage interest deduction?  Someone said only new loans taken out after this date is limited to $750k limit for mortgage interest deduction but if original indebtedness is...
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    KB Home Genoa at OH

    I saw them constructing the model homes.  I couldn?t find any information. Anyone know how many sq ft and anticipated starting prices?  Nice cul de sacs but no views.
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    Converting California Room to Conservatory/Office

    When we bought the house, we got a California room.  There was not an option for the conservatory at the time.  Now I?d like to use the room for an office or convert it to extra space.  That would require moving the bi folding doors back and adding walls etc.  has anyone done this before and...
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    Intersection cameras

    I went thru an intersection today and the light turned red.  As long as you?re within the intersection when light turns red, you?re ok.  That made me think and brought me back to driving 101. Where do your tires have to be when the light turns red to be ok?  Is it the front tire or the rear...
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    Black license plates

    Has anyone ordered the black license plates? Is the $40 renewal fee on top of the regular fees every year? Do they mail the plates to you or do you have to go to dmv to pick up?
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    Toll and surcharge on Uber

    Has anyone gotten a toll charge or surcharge with Uber when they didn?t take toll, or go to/from airport, or have some sort of parking fee? I took all local streets today within Irvine from Northwood to Diamond Jamboree area taking Culver and Alton and they automatically charged some toll...
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