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by ryuns
Fri May 08, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9214

Re: Will you buy self-driving car?

Actually humans, and all other living things, have been through quite extensive testing. https://en.wikipedia.org/wiki/On_the_Origin_of_Species Sure, we've been through plenty of testing for our ability to make fire, hunt for and gather food, and do a variety of other tasks instrumental to our surv...
by ryuns
Fri May 01, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Buying a new Honda Civic or keeping the old lexus...
Replies: 25
Views: 1722

Re: Buying a new Honda Civic or keeping the old lexus...

If it's running well I would probably take it out a little further or at least until the next generation Civic arrives in the next 18 months. Also, I would price your Civic out with leather to give you a little of the Lexus feel (IMHO). Heard about the new 2016 will have a facelift or even a Tourer...
by ryuns
Fri May 01, 2015 5:05 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 4982

Re: Powerwall: The Arrival of Home Battery Backup System

I think the most exciting thing to me is just that is the price and scale we're talking about. Sure, we're only talking about a subset of people who will find much use in this, and many of those are likely to be businesses and others who need to have backup power anyway. But heck, having battery + s...
by ryuns
Wed Apr 29, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 3563

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

Just dropped in to say, "heck yeah Moto X". Such a great phone. I had to pay cash because I don't get a subsidy (friend offered me a nice $140 discount, so it was $360), more than I've ever paid for a phone, but I'm super happy with it. As others have mentioned, I think you'll experience a...
by ryuns
Wed Apr 29, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 64
Views: 7532

Re: My new dishwasher doesn't clean

Bengineer wrote:A modern, reasonably good DW should clean


It seems most modern DWs expect to split the cleaning evenly with the DH. :mrgreen:
by ryuns
Tue Apr 28, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 1010

Re: [get music from a smartphone to an old car stereo]

Or swapping the OEM stereo for and OEM replacement with MP3 input (I heard you can drop a Scion unit into a toyota no prob). Thoughts, suggestions? We've been perfectly happy since subbing out the CD player in our 2000 Civic with a new Pioneer unit so we could have a aux input to listen to podcast....
by ryuns
Mon Apr 27, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 6
Views: 910

Re: Lending Club

Jonathan Ping at http://www.mymoneyblog.com has a great stores documenting his last 2.5 years with Lending Club and Prosper. His most recent post is especially worthwhile. Direct link to one of recent posts: http://www.mymoneyblog.com/lendingclub-realistic-return-expectations-chart.html I personall...
by ryuns
Wed Mar 25, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 72
Views: 7076

Re: Best albums of 2015

I have listened to several dozen releases and "Carrie & Lowell" by Sufjan Stevens is the best of the year by a considerable margin. It is a simply brilliant meditation on perseverance in the face of abandonment and loss. I think it is his finest achievement. Just listened to it. Absol...
by ryuns
Mon Mar 09, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1528

Re: Time of Use Electrical Rates

It's easy for us, but our house gets hot slowly (small, well-insulated, lots of afternoon shade), the AC brings down the temp fairly quickly, and our habits are relatively flexible. For the program at our local utility, they offered a new thermostat as part of their pilot program, which is a breeze ...
by ryuns
Sat Mar 07, 2015 1:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Bogleheads
Replies: 29
Views: 4661

Re: SACRAMENTO, CA AREA BOGLEHEADS

Thanks for trying to gauge interest again. I'd be interested in meeting up, and I like your vision for what the meeting would be.
by ryuns
Mon Feb 09, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75354

Re: Mr. Money Mustache: Hero or Foolish?

With the certain popularity of MMM, many people are now living his lifestyle, I would assume. I find it interesting that we don't seem to hear from them... I don't really see that as particularly interesting. It's not a cult. One can find his blog fascinating, his philosophy interesting, and ideas ...
by ryuns
Tue Jan 06, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: West Coast Road Trip Advice
Replies: 17
Views: 2141

Re: West Coast Road Trip Advice

Itineraries look great. Those are definitely the highlights, though there's some flexibility in there among the areas you've listed depending on your planned route. For instance, on trip 2, your approach route to California could lead you through Death Valley (likely to be ridiculously hot, so keep ...
by ryuns
Wed Dec 31, 2014 2:51 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 10060

Re: Paul Merriman takes John Bogles $5.00 Bet!

To your analogy, if you asked that one person you meet on the street for directions and she tells you, will you just walk in the opposite direction (because she does not represent a statistically significant sample set)? False premise. Streets are numbered are in NYC. I'd already know where to go. :)
by ryuns
Wed Dec 31, 2014 1:49 pm
Forum: Personal Consumer Issues
Topic: What Car is Best?
Replies: 73
Views: 6769

Re: What Car is Best?

You seem to have many of the same requirements as my wife and me. I do put a large premium on mileage, both because my wife has a commute and because I value that personally. The top two on my list are the Mazda3 hatchback and the Honda Fit. The Mazda3 has more space behind the rear seat (it's longe...
by ryuns
Wed Dec 31, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4511

Re: Appalachian Trail thru-hike in retirement?

That book is unfortunately being made into a movie that will be released next summer and there has been some speculation that the AT will be overloaded with unprepared people after it comes out. Hm. I wonder if the same thing will happen this summer on the PCT, after the release of "Wild"...
by ryuns
Wed Dec 31, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4575

Re: Games

There are a million great board and video and app-based games, though, since the OP is a little vague, it's hard to know for sure. My wife and I play pretty well together at games like Scrabble and chess. Though I'm heads above at trivia games (like watching Jeopardy), we're pretty evenly matched at...
by ryuns
Mon Dec 29, 2014 5:14 pm
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 2144

Re: Faking your way through sports small talk

I don't follow sports very closely, and while some inane sports very closely, I guess I'm fortunate to follow it enough to sort of kind of get by in these situations. If you want to fake it enough to get by, at least sort of follow the local team. Not too much effort to know generally how they're do...
by ryuns
Mon Dec 29, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7860

Re: Do you usually order beverage at restaurants?

Beer, if something good is draft. If it's yellow fizzy beer, I'll avoid based on principle. Coffee for breakfast/brunch; occasionally a bloody mary if they make good ones.
by ryuns
Mon Dec 29, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3915

Re: Do any other men here regulalry use skin care products?

Cetaphil SPF 30 daily moisturizer - most premature skin aging comes from excessive ultraviolet (UV) exposure, whether from the sun or artificial sources like tanning beds. SPF 30 is the minimum I would recommend, make sure your product blocks both UV-A and UV-B rays. Of course, it only helps if you...
by ryuns
Wed Dec 17, 2014 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9878

Re: Most/Least Boglehead 2014 Activity?

Most: Wife and I both maxed 401k, Roth IRA, while both being covered by pensions (mine good, hers chintzy) and social security. Got married and the cost was amazingly reasonable, even with nice digs, well-reviewed food, and all access drinking for the whole weekend (50 people stayed on-site; others ...
by ryuns
Fri Dec 05, 2014 6:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3622

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

He seems like a smart guy. I have to assume that to have such a massive blind spot in his thinking, he has to be "stupid like a fox". The idea that you should just buy the funds that return above average because "duh, they do better than average", is one of those statements that ...
by ryuns
Fri Dec 05, 2014 6:48 pm
Forum: Personal Consumer Issues
Topic: DMV and smog check issues
Replies: 6
Views: 742

Re: DMV and smog check issues

I think your question is answered, but in terms of timeline generally: I know DMV takes a lot of crap from people, and probably rightly so, but I deal with them exclusively online if possible and it always surprises me how fast they are. I renew my registration online every year and they sent me tag...
by ryuns
Fri Nov 21, 2014 1:49 pm
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 5198

Re: How much is saved by taking mass transit to work?

Yes we have a baby. We buy most baby commodities from Diapers.com and would buy all if we didn't have cars. This is a great point. It's easy to procure many household items via the internet. For instance, I have a Costco membership and used to drive from the city to the suburbs once per month to bu...
by ryuns
Wed Nov 19, 2014 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8674

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Now I'm annoyed. In my mom's city of 60,000 people, there are two cigarette stores that qualify and that's it. I hate passing up free money, so I guess I'm going to have to start smoking.
by ryuns
Mon Nov 17, 2014 1:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 835
Views: 117019

Re: What Movie Have You Recently Watched?

I found some article that was along the lines of "the best films you haven't watched on Netflix", and queued up all the recommended films that were above 4 stars (in Netflix's personalized rating). Great movie. Snowpiercer is a solid sci-fi thriller. Blue Ruin, an interesting, fairly uniqu...
by ryuns
Thu Nov 13, 2014 4:54 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8860

Re: Is buying organic worth it financially in the long term?

I think the vast majority of people, the benefits of eating more fresh foods vastly outweigh any marginal benefit for eating organic. So even for those among us here who are fortunate enough to have an income high enough such that food doesn't make up a huge portion of our budget, there may be a ben...
by ryuns
Thu Nov 13, 2014 4:32 pm
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 4657

Re: Bogleheads not found easily in Google

BH is also the first result when searching investment forum in Bing and Yahoo.
by ryuns
Mon Oct 20, 2014 4:04 pm
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6761

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 Sep 29, 2014 6:16 pm
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3350

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 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1772

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 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 22
Views: 2148

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 4:36 pm
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 6695

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 4:35 pm
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 6695

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
Tue Sep 23, 2014 6:33 pm
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 9256

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
Mon Aug 25, 2014 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 5648

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 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 11120

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 6:07 pm
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4800

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
Thu May 08, 2014 6:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3339

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
Wed May 07, 2014 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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
Tue May 06, 2014 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4557

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 3:58 pm
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 2045

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? ...

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