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Re: Anyone cancelling travel plans?

Random interesting anecdote: I was actually on the plane, unbeknownst to me at the time, with Mr Duncan from Brussels to DC in September (where he connected to fly to Dallas), while he was apparently not symptomatic. United Airlines emailed us a week or two later to let us know, even though they wer...
by ryuns
Mon Oct 20, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4837

Re: favorite brand name products

I'd be interested in knowing if there was some age breakdown to brand loyalty in this group. "Millennials" are supposed not brand loyal, but a quick google seems to indicate that there may not be much of a generational shift, but that age does correlate to loyalty. I honestly can't think o...
by ryuns
Mon Sep 29, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2977

Re: need for a backup credit card?

I have 4, 3 of which I use. Two to maximize rewards (+1 Amex to use at Costco) and provide redundancy for joint expenses for my wife and me, and we each have another one that is paid from our individual accounts for individual. After having one card that kept getting fraud alert triggers, having car...
by ryuns
Mon Sep 29, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1653

Re: Help-Do I need a chip/pin card in europe?

Just got back from UK and Ireland, among other places, and used chip and signature almost everywhere, but there were numerous instances where not having a chip at all would have been trouble. Never had a transaction turned down with chip and pin. The UK/Ireland were very credit card friendly, while ...
by ryuns
Mon Sep 29, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 22
Views: 1786

Re: Buy Local

It is NOT true that BIG BOX stores did the first wave of damage. It started a lot earlier than that. In 1859, with the opening of the Great Atlantic and Pacific Tea Company. People stopped knowing their local grocer by name. I know the folks in the Kroger and Wells Fargo by name. Some of them live ...
by ryuns
Mon Sep 29, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 2343

Re: Buy Local

Yes. Big Box did the first wave of damage. Then came Amazon. I don't quite know what we are going to do with our high streets (as we call them): how many coffee places do we need? But it's not looking good. There are those pictures of derelict shopping malls: I remember when these places opened in ...
by ryuns
Mon Sep 29, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 2343

Re: The Roosevelts, PBS special

Apropos the previous comments, but back to the OP--I'm actually watching Burns' massive "The War" about WWII. It's quite interesting the reflections that one has in an age of a volunteer army. There's a sense of wistfulness of so many people coming together to contribute to a singular caus...
by ryuns
Tue Sep 23, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8511

Re: Chase Freedom reward changes in 2016

I see them cutting down the amount of rewards you earn, but not what they're worth. The CSP lets you transfer them 1:1 to airlines, hotels, etc. so my plan is to transfer them to the respective places when I'm ready for a vacation. I've had decent results with Ultimate Rewards and the 20% "dis...
by ryuns
Mon Aug 25, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4338

Re: Telling my friends I paid off my house was a mistake.

I kind of feel for the OP. Even if it's not in the context of telling them what to do with their money, there's still a desire to justify your own actions. Most of our friends are co-workers of one of us, and most make close to what we make, but we have the crappiest cars, no boats, very little in t...
by ryuns
Mon Aug 25, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10496

Re: Motorcycle for short commute?

There sure is a lot of discussion about safety for a commute that's like, a mile each way. At that distance, it's probably just as dangerous to walk as it is to ride a reasonable motorcycle. And where does this OP live that it's 100 degrees IN THE MORNING? As a random data point, even in Phoenix, th...
by ryuns
Mon Aug 25, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4163

Re: Should I buy a fun car?

Looks like you can afford it, but what's the opportunity cost? Are you aching for an early retirement? Do you skimp on vacations every year? Do you work too much, and can you cut back if you didn't need to save as much? Some people do get a lot of joy from their cars. A lot of people also think they...
by ryuns
Thu May 08, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3191

Re: Any benefit to a prenup for us?

Ok, I keep thinking about it and realize I may be getting in over my head. I'm leaning farther towards "yes", if only to back up what we think would be the likely outcome in our current state, to reduce ambiguity and provide some flexibility in moving. Might have to buy a Nolo book and do ...
by ryuns
Wed May 07, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

Dear ryuns, the analogy holds exactly. There are laws in place that would dictate the dissolving of a shared business, whether there are signed incorporation contracts or not. You write in another post: My other point is that I can't really conceptualize of an outcome where a divorce would end up w...
by ryuns
Wed May 07, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

My other point is that I can't really conceptualize of an outcome where a divorce would end up with something that did seem truly unfair, since our incomes and net worths are not that dissimilar. I can. Let's say 6 months after you get married, your spouse decides to stop working, against your wish...
by ryuns
Wed May 07, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

That's a good question. The idea of an "equitable distribution" according to the person in the black robe does make me a little nervous. I guess, in our situation, and perhaps yours, it's hard to imagine even an arguably "unfair" judge and lawyer interpreting "equitable&quo...
by ryuns
Wed May 07, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

The only thing a prenup is going to save the OP is the 180k extra he has at the start of the marriage (he has 300k, she has 120k). He probably won't get to keep the growth of that extra $180k all for himself. Not true. The OP will get to keep the growth of the 300k if it is agreed to in the prenup....
by ryuns
Wed May 07, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

Thanks to everyone for all the thoughtful and helpful responses. This is such a great group. Good diversity of responses. I'll also throw out that anyone that does not have personal experience with what a bad divorce is like (whether as a lawyer or as one of the divorced pair), just has no idea. How...
by ryuns
Wed May 07, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

Most folks I've heard of who get prenups have kids of prior marriages. Can see the point for those. For most other folks, unless wealth is VERY different, I think marriage is a time to be, "for richer, for poorer....." Hopefully mostly the former. :) If there are kids, hope those kids wil...
by ryuns
Tue May 06, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

Just like to say this sounds exactly like me/us except wedding is 4 months away, we have 1/4 the savings due to doing PhDs, and we'll be moving out of state for sure within 1-2 years, so does the current state even matter? Maybe a similar question for you -- if you move from CA to another non-commu...
by ryuns
Tue May 06, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

The prenup can say anything. Doesn't mean it's going to be enforced if the time comes. Mine says, in a nutshell, my 403b and all future contributions and her pension and all future contributions will not be divided by divorce. That neither party can claim alimony. I had mine signed a month before t...
by ryuns
Tue May 06, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Any benefit to a prenup for us?

Heh, yeah, well, I had considered it earlier and assumed it was nothing to worry about, since the community property rules seem reasonable for our situation. But the more I thought about it, the more it seemed I might be missing something and realized that I could tap into the wealth of collective k...
by ryuns
Tue May 06, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Any benefit to a prenup for us?

Hi All, I'm getting married at the end of this month. Yay! I should preface this whole question by noting the obvious: that a prenuptial agreement would not, to us, be any sign of "setting ourselves up for failure". We have always been extremely practical and unemotional about all things m...
by ryuns
Tue May 06, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4164

Re: Pay a higher mortgage to get house you want?

Here are a few questions that come to mind to consider: *How much are you stretching for that payment (including tax and insurance)? *To what degree does that limit flexibility around any number of life events: moving away, someone losing a job, health issues or other expenses, an additional child? ...
by ryuns
Tue May 06, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 2014

Re: Is my logic flawed on this? 2 different deductibles on a

I assume you are talking about collusion deductibles (not comprehensive). For the 6K car, id actually suggest to get rid of everthing except third party, if your state allows it. In my mind, its a math question. For my policy, the change from $250 --> $1000 for my expensive car was 89 dollars every...
by ryuns
Tue May 06, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Is my logic flawed on this? 2 different deductibles on auto
Replies: 9
Views: 577

Re: Daughter getting married

To the OP, your approach is perfect. I've been to a number of weddings where it was clear that the parents had expectations that likely needed to be met, such as how far to extend invitations, style and level of pomp, etc. Offer your help in whatever capacity it is needed, from contacting service pr...
by ryuns
Tue May 06, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Daughter getting married
Replies: 57
Views: 5439

Re: Daughter getting married

<snip> I will give them money to elope, or half as much to have a wedding. I love this!! It's a long-standing offer. My kids are honest, so they won't take the double-money and have a surreptitious wedding. I've always said that a fun but low-key party for family and friends does not violate the sp...
by ryuns
Tue May 06, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Daughter getting married
Replies: 57
Views: 5439

Re: Seattle and Portland, OR restaurant recommendations

I was getting ready to write something intelligible and then I realized that all the places I visit in Portland are for beer, with food secondary. So now I'm trying to think if any of them had good food. I'd recommend Hair of the Dog, which is pretty casual, good food, and great beer. The food at Ca...
by ryuns
Tue Apr 29, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1380

Re: Socially Responsible (Progressive) Fund Options

While I agree with others that it's not a very good way to effect change, I frankly understand OP's wife's concern, as many here do. Not from the perspective of helping a company that I disagree, but in terms of having my livelihood somehow tied to aspects of society and values that I disagree with....
by ryuns
Tue Apr 29, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9098

Re: New homeowner: lawn care advice

Also, lawns tend to be one of those things where for 20% of the effort you can get 80% of perfection. It can be lot of work tending a perfect lawn, but green weeds when mowed look a lot like green grass by someone just driving by or even walking by and not stopping to inspect. :) This. People talk ...
by ryuns
Mon Apr 28, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26896

Re: New homeowner: lawn care advice

scubadiver wrote:
ryuns wrote:In what world is 4000 sf a small yard anyway?

My driveway is 4000 sq ft.


Oh, in *that* world. Gotcha. How's the view from up there anyway? :D
by ryuns
Mon Apr 28, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26896

Re: Cheapest TV equipment and options

Just a word of caution on the antenna, if you have a channel or two that's really important to you, buy from somewhere with a good return policy. My ABC affiliate is a little testy (I need my Jeopardy fix!) and one benefit of living in California is having Univision Deportes, which plays all the US ...
by ryuns
Fri Apr 25, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest TV equipment and options
Replies: 21
Views: 4031

Re: VW TDI Engines

They seem to have really high owner satisfaction rates. If you like the car, get the car, but I wouldn't do it for the "hybrid-like" mileage. Total cost of ownership is likely to be higher than, say, a Prisu hybrid. If you don't want a hybrid, I'd compare it to a new, efficient, gas-powere...
by ryuns
Fri Apr 25, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: VW TDI Engines
Replies: 48
Views: 12796

Re: New homeowner: lawn care advice

In what world is 4000 sf a small yard anyway? My entire lot is a hair larger than that and includes my house, outbuilding, a ton of adapted landscaping, 3 garden boxes, compost bins, a couple fruit trees and my hop bines. And *I* feel like I have that's just too...much...grass. Still, if it's not an...
by ryuns
Tue Apr 15, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26896

Re: Cutting ties with Cable

[*]Every streaming device (roku, apple tv, chromecast, dvd/blu-ray player, etc.) is restricted by the apps available on them, so while they mostly work fine for the big prominent providers like netflix & youtube, there is always something that you want to see but can't. The solution that worked...
by ryuns
Thu Apr 03, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 3540

Re: Cutting ties with Cable

I solved the HBO go issue by just buying it on a friends subscription. I just auto cut him a check for 15 bucks. He doesnt mind and the CEO of HBO pushes for it. Should this become an issue in the future I wouldnt mind much. I only ever watch 1 show, but maintain the whole year of subcription. It w...
by ryuns
Thu Apr 03, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 3540

Re: Please help identify quote: I'm richer than he because..

nisiprius wrote: Dorothy Parker and Oscar Wilde used to be magnetic, and Parker even wrote a stanza about it:

If, with the literate, I am
Impelled to try an epigram,
I never seek to take the credit;
We all assume that Oscar said it.


I'm pretty sure Mark Twain wrote that, actually :)
by ryuns
Thu Apr 03, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 3270

Re: How much water do you drink every day?

Slightly off this topic, one of my "hot buttons" or passionate causes is against the huge fad of bottled water. I have to hand it to these companies for convincing millions of folks that spending all this money on "water" is worth it. Much of the bottled water is just tap water ...
by ryuns
Fri Mar 28, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3534

Re: How much water do you drink every day?

I have the equivalent of 3 or 4 bottles a day, at work we have reverse osmosis water that I drink from a glass & silicone water bottle. After living in California for many years I insist on using a reverse osmosis filter at our house even though we live in Oregon where the local water is much b...
by ryuns
Fri Mar 28, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3534

Re: The Boglehead Car -- What is It?

Elios is a lightweight three-wheeler, meaning it's really a motorcyle and won't have to meet the same safety requirements as a car. I'm more curious if places like California, which have mandatory helmet laws, will require you to wear a helmet while inside the cockpit. Other than that, you still ne...
by ryuns
Fri Mar 28, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11681

Re: How much water do you drink every day?

I know medical advice is a no-no on this forum, but - all that extra water you drink does you zero good. You pee out all the extra water you drink. Your thirst is HIGHLY accurate unless you have kidney disease, and the amount of water you drink will depend both on activity/sweat as well as salt int...
by ryuns
Thu Mar 27, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3534

Re: How much water do you drink every day?

http://www.amazon.com/gp/product/B005W1F8J0/ref=oh_details_o09_s00_i00?ie=UTF8&psc=1 Best water bottle ever, it hold 64 ounces and I drink more than that every day. I don't drink any other drinks, just boring like that. All the water is just tap water, usually put through a brita pitcher. Produ...
by ryuns
Thu Mar 27, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3534

Re: Thinking About a New Laptop

Macbook Air is a great computer and it's also a great way to drop a thousand dollars. Just like the OP doesn't need that $1300 he originally mentioned, most people just don't need that much (or that little?) computer. I'd advocate something far cheaper that meets your demands. I also wouldn't go sup...
by ryuns
Thu Mar 27, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 3237

Re: Want to trade car for Small SUV: Financially good, bad,

Long term, I'll call it a wash. Way less maintenance cost for a more reliable car under warranty will be far less than BMW (repairs, oil changes, everything). You'll also probably save a decent amount on gas. Mileage might be equal or better on the SUV, and you won't need premium. I think it's close...
by ryuns
Thu Mar 27, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 2353

Re: Road trip advice?

I think your distances are completely reasonable. If it were, and I was eager to get home, I might consider stretching it to 3, if I knew I could do it safely. (I'm also the type that likes to head out crazy early, see the sunrise, then stop for breakfast after an hour or two.) That won't work with...
by ryuns
Mon Mar 24, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3094

Re: Road trip advice?

I think your distances are completely reasonable. If it were, and I was eager to get home, I might consider stretching it to 3, if I knew I could do it safely. (I'm also the type that likes to head out crazy early, see the sunrise, then stop for breakfast after an hour or two.) That won't work with ...
by ryuns
Mon Mar 24, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 3094

Re: Low-flow shower head: $4,500 saved in last 5 yrs

Fun calculations. Honestly, we switched to 1.5 gpm because we thought it would be an easy way to save some water, and needed a new showerhead anyway. We're not even metered yet (which is crazy--being an older city located near two big rivers, we've always has had senior water rights, and conservatio...
by ryuns
Fri Mar 21, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Low-flow shower head: $4,500 saved in last 5 yrs
Replies: 35
Views: 4937

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Just a very simplistic point to add to the conversation--don't forget about "total due at signing". Dealerships seem to do a really good job structuring leases, so that, psychologically, you really don't seem to be paying that much. A modest number upfront fee, and that reduces the payment...
by ryuns
Fri Mar 21, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3731

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

If I were in that market, I'd certainly consider a lease for BMW or Benz. Status cars that you mostly want to own when they're nice anyway, that tend to have maintenance issues. If, on the other hand, I just wanted a fiscally responsible way to own a luxury car, I'd buy something a little more reaso...
by ryuns
Thu Mar 20, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3731

Re: Buy a used car or pay $5,000 more to get a new one?

Based on just what you're spelling out, it seems like the Impreza is a better option, though you'll take a hit on gas mileage and maintenance down the road (Subby's are reliable, but you'll have extra maintenance with the AWD, you'll run through tires faster, etc). Just curious why those were your t...
by ryuns
Wed Mar 19, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4937

Re: Best smartphone in 2014?

Is money an object? What carrier are you using? Are you getting a carrier subsidy or not? I'm glad t-mobile and others are finally changing the conversation about up-front costs and carrier subsidies, but I still a lot of recommendations and reviews that seem to exist in a world where phones are all...
by ryuns
Wed Mar 19, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2810
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