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Re: Acura RDX - test drove it again and it's about off my li

"Trucky" ride - yes that's an apt description of my experience with the RDX. I'm surprised to hear that applied to the BMW, but I've never driven one. Interesting to know about the engine start/stop feature. I also just drove the Volvo XC60 with that feature and really hated it. The car lu...
by Browser
Sun Sep 21, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: Another take on "rising equity glidepath" in retirement

Jim Otar conducted an analysis of the returns of retirement portfolios over 30-year periods based on Monte Carlo simulations using market data from 1900-2010. He examined the effect of return sequence, inflation, asset allocation, costs, and rebalancing across various withdrawals rates. His results ...
by Browser
Sun Sep 21, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1252

Re: Problem using Google Voice with Consumer Cellular

bump... can GV still not forward calls to your Consumer Cellular number Browser? Thanks, Anakin Google Voice is one strange beast. In GV, you set up your forwarding phone numbers - those are the numbers that will ring when the GV number is called. There is a checkbox by each forwarding number to le...
by Browser
Sun Sep 21, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Problem using Google Voice with Consumer Cellular
Replies: 9
Views: 719

Re: Another take on "rising equity glidepath" in retirement

On maintaining a constant value of equities, does that entail rebalancing in bad markets by selling bonds to buy more stocks, or just never spending more from the equity bucket than the growth and income that it produces? What about inflation on that set dollar amount of stocks? As usual, if you ha...
by Browser
Sun Sep 21, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1252

Re: Another take on "rising equity glidepath" in retirement

Here's the problem with the rising glidepath approach IMO--it ignores a very important factor, human behavior. How many people do you know that are well into retirement that could tolerate a huge bear market and watch a large percent of their portfolio disappear, knowing they have no chance to earn...
by Browser
Sun Sep 21, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1252

Re: Another take on "rising equity glidepath" in retirement

As I understand the arguments of Ayres & Nalebuff and Bernstein, they are essentially saying that the terminal return of a lump sum invested and left alone will not be affected in the least by the sequence of annual returns. The only reason that sequence is "risky" for a retirement por...
by Browser
Sun Sep 21, 2014 1:03 am
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1252

Another take on "rising equity glidepath" in retirement

Recently, Pfau & Kitces discovered that a "rising equity glidepath" in a retirement portfolio being drawn down appears to be make the portfolio less vulnerable to premature failure due to "sequence risk"; i.e, the bad luck of having your equity allocation take a big hit durin...
by Browser
Sat Sep 20, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1252

Re: Acura RDX - test drove it again and it's about off my li

I rode in my boss' RDX once on interstate highways and was surprised how crappy and clunky the ride was. I thought he got a lemon - but it appears that's how the ride is. Surprisingly shameful for a company like Honda. Interesting. I love Honda and my 2002 CRV. The RDX seems to come in a little les...
by Browser
Sat Sep 20, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: Cellular Service Surcharges, Taxes, and Fees

Just to add my experience. I've used both AirVoice and H2O and they were fine. One exception that is probably only important to me. I use a Google Voice number as my primary phone number, and with H2O when I receive calls on the GV number the rings don't start until the caller's phone has rung 3-4 t...
by Browser
Sat Sep 20, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 18
Views: 1407

Re: Cellular Service Surcharges, Taxes, and Fees

How can you find out where the taxes and fees would be lowest? I'd like to use that address and get a new CC number. However, as another poster observed, the credit card might not go through if it's not listed at that address.
by Browser
Sat Sep 20, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 18
Views: 1407

Re: Acura RDX - test drove it again and it's about off my li

To the OP, I too found the RDX lacking in handling and it's overall content paled compared to competitors' similar (and lower) class of vehicles. You can spend months reading car sites and opinions on forums, so I will give you the surprising winner of a VERY thorough search I did in July across th...
by Browser
Sat Sep 20, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: 2015 Volvo XC-60 vs. Acura RDX

Browser, Ours doesn't do that. The good thing about the newer cars is that many of the things that are PITA can be fixed with a software update. If dealers tell Volvo that the customers want the stop-start feature to remain set to what it was last, or make it specific to whose key unlocked the door...
by Browser
Fri Sep 19, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1418

Re: A look at the large value premium

What do you think of ETFs based on Morningstar's Value Tilted ETF indexes? They have one for domestic, developed foreign, and emerging.
by Browser
Fri Sep 19, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: A look at the large value premium
Replies: 15
Views: 1612

Re: 2015 Volvo XC-60 vs. Acura RDX

Having driven the 2015.5 XC60 for a month or so now, I like it more every day. We got the old (large) engine since the small one is not available for AWD. The seemingly small improvements over the 2013 model are nevertheless noticeable and worthwhile. A bigger fan all the time. Wonder if that engin...
by Browser
Fri Sep 19, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1418

Re: 2015 Volvo XC-60 vs. Acura RDX

I'd be concerned with the new 4 cylinder engine line-up Volvo is using. Not that it's bad, but that we don't know what issues will arise. I'd be further concerned if I'm also choosing a model with the new automatic transmission used in concert with the new engine. If I were to buy a Volvo it's woul...
by Browser
Fri Sep 19, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1418

Re: Acura RDX - test drove it again and it's about off my li

When wife was shopping for a SUV, I test drove a bunch of them. The current RDX just came out then. Without reading my reviews yet, I found the car to be ordinary. Nothing special about it. It seems like a CRV to me. Now, that I have read the reviews, it just confirmed my thinking. In the RDX class...
by Browser
Fri Sep 19, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: A look at the large value premium

Read the article and while interesting academically I have no idea how one would go about capturing the LV premium. Proving that it exists in the laboratory is quite different from actually making any money in the real world. There are a bizillion funds and ETFs out there and this seems to be sensit...
by Browser
Fri Sep 19, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: A look at the large value premium
Replies: 15
Views: 1612

Re: Consumer Cellular with 4G-LTE android smartphone

Sounds like everything is working, Shadow_Dancer. Congratulations. As a result of revisiting this thread, I decided to retry H2O. I switched back to CC about 5 weeks ago or so, and wanted to see if I still have the ring lag problem. I'm in a different geographical location so thought that might make...
by Browser
Thu Sep 18, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 5562

Re: Acura RDX - test drove it again and it's about off my li

I agree on the relatively harsh ride in the RDX. I went to the Acura dealer about a year ago fully expecting to buy an RDX. I was extremely disappointed with my test drive, which was way too firm for me. The RDX really does have an annoying "clunk clunk" sound when it hits bumps, and I th...
by Browser
Thu Sep 18, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: Home Depot Breach - zip codes revealed

I have 2 credit cards where I charged something in the last few months at one of the zip code listed Home Depots. Guess I will give the 800 numbers a call and see about changing the credit card numbers. Do you think anyone will answer or are they totally swamped? I'll let you know tomorrow. JW I'm ...
by Browser
Thu Sep 18, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 5841

Re: Home Depot Breach - zip codes revealed

Just heard on the evening news that 56 Million! credit card numbers have been stolen in the HD breach. That's a bunch, eh? Let's make it easy for the hackers and just go ahead an publish our numbers on the web. :shock:
by Browser
Thu Sep 18, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 5841

Re: Home Depot Breach - zip codes revealed

I recently activated alerts on my credit card, which was used in April at HD. Gives me an immediate message on my smartphone when the card is used. Did this before I learned about the HD breach, but glad I did so I can catch any misuse of the card immediately if it occurs. Recommend that you check y...
by Browser
Thu Sep 18, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 5841

Acura RDX - test drove it again and it's about off my list

Been looking at 5 passenger upscale SUVs for awhile and have looked at the RDX a couple of times before. Test drove a 2015 again yesterday and I was surprised at how poor the ride seemed to me. On a couple of previous test drives in another locale, I noticed that it seemed a little firm and I also n...
by Browser
Thu Sep 18, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 29
Views: 3011

Re: wine recommendations for this meal?

Hey, if you want just one wine it's pretty hard to beat a great Pinot Noir. It's the red wine that thinks it's a white so very versatile.
by Browser
Thu Sep 18, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: wine recommendations for this meal?
Replies: 20
Views: 1422

Re: I Bonds - Now or November

I just faced the same question and decided to buy now. Figured the $10K would be earning nothing until November and the new rate would probably be the same anyhow. Even if it goes up you won't notice. It's not like it will suddenly jump to 1% or something.
by Browser
Thu Sep 18, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Now or November
Replies: 8
Views: 1519

Re: Who else hates choosing a car?

I split the difference. I buy high end European cars, for the safety, performance and looks, but buy very close to the base models and keep them 10 years at least. No premium packages. No navigation systems when you can get a portable GPS with twice the functionality at half the price and plug it i...
by Browser
Thu Sep 18, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8168

Left tail portfolio - 70% bonds. Good idea?

The left tail portfolio that has been discussed on the board is generally a small allocation to SCV stocks with a large allocation to bonds; e.g., 30% SCV and 70% bonds (e.g., intermediate Treasurys). Right now a 70% allocation to bonds seems kinda scary if interest rates start going up. What about ...
by Browser
Wed Sep 17, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3056

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

livesoft wrote:
mbk734 wrote:Just remember you are paying extra for the L on your grill!

No 20-year-old co-ed has ever said to me, "Oooooh! You drive a Honda Pilot!"

Do you drive one?
by Browser
Wed Sep 17, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3467

2015 Audi Q5 Volvo XC60: Timing belt or chain?

Doing my due diligence on a few small SUVs. Comparing 2015 Acura RDX, Audi Q5, and Volvo XC60. I already know that the RDX uses a timing belt but am interested in whether the Audi Q5 and Volvo XC60 with 2.0 engine do also. Hard to uncover reliable info on this via google search so hoping there are s...
by Browser
Tue Sep 16, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: 2015 Audi Q5 Volvo XC60: Timing belt or chain?
Replies: 2
Views: 173

Re: Consumer Cellular with 4G-LTE android smartphone

H2O doesn't offer 4G-LTE, but offers HSPA+ (sometimes called 4G). I notice that my data speeds do seem faster with 4G-LTE on Consumer Cellular compared to HSPA+ on H2O. I used an app called Speedtest and found that the download speeds were actually 4 times as fast with LTE compared to HSPA+ on H2O, ...
by Browser
Tue Sep 16, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 5562

Re: AT&T mvno Airvoice or cricket wireless

mikep wrote:Cricket is fine, one issue is you have to dial 10 digits for all numbers, but other than that no complaints. Wife's plan is increasing from 2.5 GB to 3 GB.

That's weird. Even in the same area code as your cellphone number?
by Browser
Mon Sep 15, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: Consumer Cellular with 4G-LTE android smartphone

I've been trying out Consumer Cellular wireless service the last couple of months. I just upgraded to a Moto-X smartphone, which is 4G-LTE capable. Consumer Cellular says that it now supports the iPhone5 running 4G-LTE, but they don't say anything about 4G-LTE androids, and a CC service rep told me...
by Browser
Mon Sep 15, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 5562

Re: You may want to rethink the odds of ever needing LTCi

Not sure I agree with the scary tale of Medicaid-only nursing homes. Browser, you don't have to agree with me, but I can tell you from first hand experience of patients we see from some of these nursing homes. There are very very few good ones out there. Frankly, I am scared. How do I know? I take ...
by Browser
Mon Sep 15, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 63
Views: 6201

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I'll check out those links. I can hope that the only maintenance will be oil changes, that sort of thing, but I thought there was a regular maintenance schedule, 15K, 30K, that sort of thing. Posted in the owner's manual. Has that changed? But I'm also worried about unscheduled maintenance that migh...
by Browser
Mon Sep 15, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3467

Re: Consumer Cellular with 4G-LTE android smartphone

Glad that everything is working OK. I've been through the wars configuring smartphones for 2 or 3 different MVNOs and have done the trial-and-error thing. Have you tested your MMS yet? (sending picture messages, that sort of thing). That's where most people get hung up.
by Browser
Mon Sep 15, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 5562

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I've not owned a Lexus, so don't really know much about the maintenance costs, except that I ran into a couple who had just purchased a new Acura RDX I was asking them about. They were former Lexus owners who liked their vehicles but were tired of the $80 oil changes and other expensive maintenance ...
by Browser
Mon Sep 15, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3467

Re: AT&T mvno Airvoice or cricket wireless

Since ATT owns Cricket, I don't completely trust these guys to begin with. How difficult is it to quit their service? IMO, the easier it is to get in and out the better I like an MVNO. It's real easy to get in and out of H2O, so that's a plus for them. It's not quite as easy with AirVoice, since you...
by Browser
Mon Sep 15, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: The dangerous practice of rebalancing...

For me it comes down to figuring out how much I want to be holding in my "savings", or long-term living expenses account, and the rest can be gambled in the Wall Street Casino in the hopes that the risk premium Gods will smile down on me. The savings account is comprised of low-risk assets...
by Browser
Mon Sep 15, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 182
Views: 12189

Re: An Interesting Correlation

Why would you pay an expense ratio to hold a treasury fund? There is no diversifying among issuers with treasury funds like there is with corporates. iShares participates in security lending in their treasury funds (including TLT). They claim that this boosts returns but it is not enough to counter...
by Browser
Mon Sep 15, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: An Interesting Correlation
Replies: 22
Views: 2048

Re: AT&T mvno Airvoice or cricket wireless

I believe the GSM bands abroad are 900/1800 and in the U.S. are 850/1900. Most GSM phones support all four bands, but older ones might not. So you need to check if yours supports 900/1800 to use it abroad.
by Browser
Mon Sep 15, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: AT&T mvno Airvoice or cricket wireless

You might also consider H2O Wireless. I recently used them and would probably go back if I can solve a problem with Google Voice. They have a $30 plan with unlimited voice and MMS and 500 Mb. data - same as AirVoice. If you go on autopay that drops to $27/month. It also has service on ATT prepaid ne...
by Browser
Mon Sep 15, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: AT&T mvno Airvoice or cricket wireless

My wife just switched her ATT, Samsung Galaxy Note 1 to Cricket, about 2 months ago and it has been error free. The same plan, $35.00/month. I had to take it into the Cricket store and they made the changes, swapped out the SIM, or whatever. They had to do something in the setup that I was not payi...
by Browser
Mon Sep 15, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: An Interesting Correlation

There's no reason to hold EDV if you are a fan of the Permanent Portfolio. Since the PP holds an equal percentage of Long term Treasurys and Treasury bills, the effective duration is about the same as an intermediate term (5-10 year) treasury fund or ETF. Save yourself the time and extra cost by hol...
by Browser
Sun Sep 14, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: An Interesting Correlation
Replies: 22
Views: 2048

Re: AT&T mvno Airvoice or cricket wireless

I've been an AirVoice user in the past and they were fine - I had the $30 plan. My phone is unlocked, but I understand you can use an AT&T phone on either Cricket or AirVoice without unlocking it. It should make no difference if you are using a locked or unlocked phone as far as your service on ...
by Browser
Sun Sep 14, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 796

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Where you live, who is going to do the maintenance on a Lexus? As I recall, the warranty for Lexus is 4 years, so you might have a little left on a 2011 but it will need to go to a Lexus dealer for warranty service I imagine. Also, another poster mentioned the sky high maintenance costs on Lexus, wh...
by Browser
Sun Sep 14, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3467

Re: You may want to rethink the odds of ever needing LTCi

Not sure I agree with the scary tale of Medicaid-only nursing homes. I'm no expert in the subject, but am under the impression that most nursing homes have both private pay and medicaid patients. I don't know the typical ratios, and maybe there are some nursing homes that have a much higher proporti...
by Browser
Sun Sep 14, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 63
Views: 6201

Re: The dangerous practice of rebalancing...

You aren't taking the same risk if the market tanks and, as a result, you transfer money from your safe reserve (bonds) into the riskier asset (stocks). Now the balance in your safe reserve has been drawn down. How can you have the same level of safety with your portfolio that you had before? If sto...
by Browser
Sun Sep 14, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 182
Views: 12189

Re: An Interesting Correlation

There's a similar negative correlation between 3-7 year treasurys and TSM. Since 2009 (date of inception of EDV), the CAGR,SD, Worst Year, and Max Drawdown from 50/50 TSM/Treasury have all been better with intermediate treasurys (IEI) than with EDV. Correlations don't tell the whole story: ________I...
by Browser
Sun Sep 14, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: An Interesting Correlation
Replies: 22
Views: 2048

Re: An Interesting Correlation

Tricky business, relying on correlations to guide your investments. Just when you need them most.... :oops:
by Browser
Sun Sep 14, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: An Interesting Correlation
Replies: 22
Views: 2048

Re: You may want to rethink the odds of ever needing LTCi

Considering the usual advice is to purchase it while you are still in your fifties - and you still can - how about this instead. Invest in aggressive growth funds whatever you would pay in premiums for this very expensive type of insurance policy for about, say, 15 or 20 years, then use it as the e...
by Browser
Sat Sep 13, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 63
Views: 6201
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