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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: 3118

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 3903

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: 1993

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: 558

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: 5288

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: 5288

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: 1295

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: 8845

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: 26244

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: 26244

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: 3925

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: 12397

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: 26244

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: 3149

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: 3149

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: 3222

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: 3449

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: 3449

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: 11389

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: 3449

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: 3449

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: 3045

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: 2281

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: 2916

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: 2916

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: 4909

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: 3591

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: 3591

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: 4736

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: 2727

Re: Should I continue to do Roth 401k and Roth IRA?

I'm in a similar situation, in the same tax brackets in California. I still do a traditional 401k/403b for all my contributions at work. This represents about 75% of my retirement savings. I also contribute annually to a Roth for the remaining 25%. I do expect a pension but completely unknown amount...
by ryuns
Tue Mar 18, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I continue to do Roth 401k and Roth IRA?
Replies: 25
Views: 1888

Re: What's your dream car?

I am not a car nut. My dream car is one that is paid for. Thanks for sharing... :oops: It's true, but if you're not a car nut, you still may want a car. When I walk around with time to think, sometimes I play this game: of all the cars I pass, which would I take in the following circumstances: I'm ...
by ryuns
Mon Mar 17, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 10898

Re: Can I beat 2.75% guaranteed via mortgage paydown?

If someone in 2004 had invested in the Vanguard Balanced Fund which is 60/40 stock/bonds, their 10 year return would be 6.88 percent annualized. Even if they started in 2000 at the peak of the stock market tech bubble, their annualized return would have been 5.77 percent. The difference between a 2...
by ryuns
Mon Mar 17, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Can I beat 2.75% guaranteed via mortgage paydown?
Replies: 73
Views: 5002

Re: What premium items are least worth it?

On smartphones--having one, with a limited data plan is absolutely worth it. Having the best phone from the most expensive carrier, however, is absolutely not worth it. You can get a decent phone for $200 and save $40/mo having your own phone and a discount carrier.
by ryuns
Mon Mar 17, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 6704

Re: What premium items are least worth it?

What premium items are least worth it? Pointless discussion as worth is highly subjective. To clarify, things like $2000 purses and $500 pens are obvious Veblen goods, so we can exclude those. Still subjective. Neither worth it to me. YMMV. Didn't realize we were limited to discussions that elimina...
by ryuns
Mon Mar 17, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 6704

Re: Home made drip irrigation using a milk container.

OP, Do you mind sharing how you're collecting kitchen grey water and from where? Every collection method that I've considered for our house struck me as impractical, and the water quality (soap, food, etc) would seem to limit the application. We did go back to collecting water in the shower, but we ...
by ryuns
Mon Mar 17, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Home made drip irrigation using a milk container.
Replies: 7
Views: 926

Re: Tesla S

When the Prius was relatively new, I read an article by a Berkeley Professor marvelling how many appeared in his neighbourhood. That's one kind of 'status' projection. I doubt most of those academics drove the 20k+ miles pa to justify the economics of a Prius (then, anyways, when gas prices were lo...
by ryuns
Fri Mar 14, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 50074

Re: Bogle & Subway

And here I thought it was about what Bogle wine to pair with which Subway sandwich.
by ryuns
Thu Mar 13, 2014 5:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 6282

Re: House too small; what to do?

OP never mentioned what was bothering him/her. Is it just the general "coziness" that is starting to wear on you? Is it not having enough bedrooms? Bathrooms? What are you options for feasible expansion? (Not every property would make it reasonable to expand.) If you think you just need a ...
by ryuns
Thu Mar 13, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3509

Re: Any indoor seed starters?

For legumes, we always sprout them before we plant them by laying them out on a piece of fabric (old flannel seems to work the best), rolling them up and keeping them wet for a couple weeks. They'll sprout a bunch of roots. If we haven't planted them by the time stems and leaves start sprouting, we'...
by ryuns
Fri Feb 28, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1701
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