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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: 54
Views: 3791

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: 2453

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: 2453

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: 2777

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: 2855

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: 2855

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: 10508

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: 2855

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: 2855

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: 2359

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: 1958

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: 2221

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: 2221

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: 4205

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: 2932

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: 2932

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: 4235

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: 2239

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: 1427

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: 177
Views: 8952

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: 4525

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: 5651

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: 5651

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: 670

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: 431
Views: 38377

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: 3261

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: 3062

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: 1442

Re: Verizon wireless to T-Mobile

VZN, generally, has wider coverage, including more areas with LTE or 4g (where T-Mo has 2g or whatever). But unless you're one of the cases where it's particularly lousy where you live or work, T-Mobile is just such a ridiculously better deal. The *only* times I ever notice the difference are random...
by ryuns
Wed Feb 26, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Verizon wireless to T-Mobile
Replies: 11
Views: 616

Re: Lease or buy new if given company car?

To make things interesting I may be getting a company car in the spring, which will be used for all my work-related driving as well as some local errands after work . That leaves me using my personal vehicle primarily on weekends, some evening driving, and trips. I'd find out where the line is draw...
by ryuns
Tue Feb 18, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Lease or buy new if given company car?
Replies: 12
Views: 591

Re: Raising kids in a small town vs. big city/suburbs

You can have the best of all worlds :wink: We live on a few acres in the outer suburbs, population 17k with a fair amount of active farms still in operation. About 20 miles from a big city with all the fancy museums and a sport venue for every sport, etc. Have been very happy with the public school...
by ryuns
Wed Feb 12, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

Re: AT&T Mobile Users: Check your plans

I'd recommend that anyone, on any plan, periodically check the updated offerings for better deals. I think I was of the mindset that I had a good deal, that I was like "grandfathered" on T-Mobile's old version. But when I needed to change the web access for my mom's phone (I now pay back y...
by ryuns
Wed Feb 12, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6183

Re: What is the usual time to do your taxes?

Once I get everything. So usually mid-March. I actually had everything I needed, less one account, by the end of January, but one hold out never shows up til end of Feb at least. I usually get a head start by inputting everything except that final document.
by ryuns
Wed Feb 12, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the usual time to do your taxes?
Replies: 29
Views: 1881

Re: Newly Married and Taxed

The difference is caused by the tax brackets. The married filing jointly tax brackets are less than twice the single tax brackets [above a combined income of $146k/yr] (added the bracketed item to clarify). It's definitely annoying for those who have to pay more, and I'd definitely be tempted to pu...
by ryuns
Wed Feb 12, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly Married and Taxed
Replies: 39
Views: 2346

Re: Bogleheads and Fast Food

We don't eat at typical fast food chains, but we'll duck into a local taqueria when we're on a walk if the mood strikes us. Agreed. We have a pretty awesome taqueria about two blocks away, so the "mood strikes" my fiance every time she doesn't feel like helping cook. Definitely takes some...
by ryuns
Tue Feb 11, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4444

Re: Raising kids in a small town vs. big city/suburbs

I think the answer to nearly all parenting questions is: If you care enough to ask the question, then the answer probably doesn't matter anyway. In other words, the kid's coming from a good home and will probably do fine. Now, maybe there are smaller scale debates to have. Eventually if we have kids...
by ryuns
Tue Feb 11, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

Re: Do you own / have you owned a Chevrolet Volt?

Cool! Thanks for the follow-up.
by ryuns
Fri Feb 07, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Do you own / have you owned a Chevrolet Volt?
Replies: 26
Views: 2429

Re: Why so many Roth IRAs?

For me, it's about tax diversification. SO and I are both covered by (fairly modest) pensions and social security and also have decent 401k options, so all of that is likely fully taxable one day (at least at the federal level). In reality though, if tax rates magically stayed the same for the next ...
by ryuns
Fri Feb 07, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4438

Re: Cost Analysis: Living in CA vs the South

On the outdoors, my general impression of CA is that where most people live, it is too crowded to really enjoy the outdoors (SoCal and the Bay Area). So you have to pick where you live quite carefully. Most people have little choice-- they go where the jobs are. The commuting is often horrible- it'...
by ryuns
Fri Jan 31, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5510

Re: Cost Analysis: Living in CA vs the South

This of course would not be true of say, Sacramento-- an area which seems to have a lot of virtues for family life. Pshaw. I think you're just fond of Joan Didion and me. ;) Depending on your perspective, it's either all the problems of California (taxes, disagreeable politics if that's your beef, ...
by ryuns
Fri Jan 31, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5510

Re: Cost Analysis: Living in CA vs the South

I lived in SB for about 8 years. It's a pretty special place. You really have to love living there, because the housing prices are high and there isn't much around that you'd want to do outside the immediate vicinity: it's the most beautiful area in the region (IMO), but pretty isolated, the mountai...
by ryuns
Thu Jan 30, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5510

Re: Market timing failures stocking up on specials?

We generally just go the Costco route for most stable shelf life items, as well as some food items like frozen chicken, coffee, and cheese. But I do notice something odd about trips to Costco and my behavior. First, it's painful to see those prices at the end of a trip to Costco. I generally spend t...
by ryuns
Mon Jan 27, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Market timing failures stocking up on specials?
Replies: 26
Views: 2013

Re: Good free documentaries

Some interesting documentaries on NetFlix Inside DeBeers Inside Pixar Inside the Baidu Billionaire Hank - Five years from the brink The One Percent Game Changers - Warren Buffett Game Changers - Mark Cuban The Flaw Let's Make Money Steve Jobs - the last interview Game Changers - Mark Zuckerberg / J...
by ryuns
Mon Jan 27, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Good free documentaries
Replies: 15
Views: 1914

Re: SUV Vs Sedan

Keep in mind that the weight, as it contributes to safety, is largely a factor when you're hitting moving or moveable object-- which is really only likely to be another vehicle--which is really likely to have people in them. So much of the incremental improvement in safety is likely only to the detr...
by ryuns
Mon Jan 27, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3577

Re: Honda Fit

Professor Emeritus wrote: [OT analogy removed by admin LadyGeek]


More unrealistic for some, than for others, I suppose.
by ryuns
Thu Jan 23, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit
Replies: 35
Views: 3290

Re: Rent and save for next 5 years or stretch now?

I personally wouldn't be in a hurry. I agree that you and your wife's professional development is probably your biggest asset. Some decisions will certainly be easier if you find yourself in a position to relocate to a lower COL area in the future, but it seems like you've made a fair assessment of ...
by ryuns
Wed Jan 22, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2670

Re: Rent and save for next 5 years or stretch now?

If possible, you probably need to spread your net wider on schools. In SF and the peninsula, that's not easy to do, but for other parts of the BA, there are areas with reasonable schools and somewhat more affordable houses. Getting caught up in having to have the "best" schools can really...
by ryuns
Wed Jan 22, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2670

Re: hybrid cars

Enterprise has Prii for rentals in many locations which enables the ultimate test-drive. I ended up with one for a couple days on a recent trip and found it better than I expected! Not a bad driving experience and of course super-mileage. This is what I'd suggest. It takes a long drive to determine...
by ryuns
Tue Jan 21, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: hybrid cars
Replies: 55
Views: 2729

Re: What's your dream car?

I'd go with a Tesla Model S, or maybe a Model X, except that I don't have a garage to put the charger in, so we'll just assume that it will charge by magic. Might as well throw in like a small Roadtrek RV to cover all the bases.
by ryuns
Tue Jan 21, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8952

Re: percolator vs drip

Basic drip during the week. We make a bit over a liter to fill up a travel mug and a small thermos, rendering fancier methods a little impractical. I also confess to using Costco beans when caffeine and expediency are higher priorities than flavor and texture. On the weekends, it's usually the Frenc...
by ryuns
Wed Jan 15, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 4806
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