Search found 3336 matches

by ryuns
Mon Aug 03, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1318

Re: Car price negotiation--already discounted?

There is nothing to loathe about buying a car. Its like buying anything else. You have to do your homework. Remember all they do is sell cars all day every day each month all year. Are they better prepared than you at this point, Of course. So you have to do your homework. Oh yeah - you have to be ...
by ryuns
Mon Aug 03, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1318

Re: Car price negotiation--already discounted?

Thanks for the great responses so far everyone. That's very helpful.
by ryuns
Mon Aug 03, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1318

Car price negotiation--already discounted?

Hi All, We're (DW and I) in the process of buying a new car. In no hurry, since we do pretty well with one car, but that car is 16 years old, so we'd like to have another one in our stable. We loathe the whole car-buying process, which is causing some over-analysis. A couple cars we're looking at ar...
by ryuns
Mon Aug 03, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 2778

Re: Recommendations on a cheap commuter car

You won't go wrong with a Civic or Corolla, but you're right that you're going to get hosed buying used because resale is so high. I'd grab a Consumer Reports auto issue (most libraries carry them) and look for good value used cars. If the Japanese brands aren't giving much of a used car discount, ...
by ryuns
Mon Aug 03, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Y/O with Goal of House
Replies: 4
Views: 694

Re: 23 Y/O with Goal of House

You've gotten great advice on whether to buy a house. I'd second all of that. I love our house, and we've been lucky on maintenance so far, it's gone up in value by about 20% and our mortgage rate is locked in very low. It's been great for us. But it's also a pain. Some of the work I love, some of i...
by ryuns
Thu Jul 30, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4403

Re: Best Place to live for a young family?

+1 for Placerville on the top 25 best towns in California list. El Dorado County is great, I'd move there in a heartbeat if I had work there. Since you're in California and mention the Bay Area as a possibility if not for cost, the Sacramento region is underrated as a family-friendly option if you ...
by ryuns
Thu Jul 30, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4403

Re: Best Place to live for a young family?

7. Folsom - never been, never plan to go (doesn't have a very good reputation) Don't mean to pick on you, but I wonder if you're listening to too much Johnny Cash. I'm a city dweller and don't generally harbor too much love for Sacramento suburbs, but Folsom, by all accounts, is a really, really ni...
by ryuns
Thu Jul 30, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 2778

Re: Recommendations on a cheap commuter car

You won't go wrong with a Civic or Corolla, but you're right that you're going to get hosed buying used because resale is so high. I'd grab a Consumer Reports auto issue (most libraries carry them) and look for good value used cars. If the Japanese brands aren't giving much of a used car discount, y...
by ryuns
Thu Jul 30, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Neat way to save a little $ on your car insurance
Replies: 18
Views: 3917

Re: Neat way to save a little $ on your car insurance

She said we would have to prove the other party didn't have insurance, so it would not cover a hit and run. If you have the other car's license plate, you may still be able to prove the other driver was uninsured. I was the victim of a hit and run years ago and there were multiple witnesses who all...
by ryuns
Wed Jul 22, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7249

Re: honda civic or Prius?

Done. $16,600 out the door. Honda Civic. The best experience I have had in a dealership. The Toyota guy pulled the "It's only good for 48 hour" and the manager with the " the price is good if you come back in an hour BS. That matters to me. And the Civic is an EX model, with the big ...
by ryuns
Mon Jun 22, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24528

Re: When saving money becomes an irrational obsession

to each his own.. it doesn't make sense to me to have millions of dollars in investments, but drive an old camry or a fit. But it makes sense to some.. can't figure that out The Fit is pretty sweet though. If I had millions of dollars I would probably trade in my old one for a new one. It really sp...
by ryuns
Mon Jun 22, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7076

Re: Blue Apron

One option that we really like about Blue Apron is the flexibility to schedule weeks in advance. We probably only average getting one shipment per month, at absolute max. We do on weeks when we're going to be more busy than usual, including when we're out of town for the weekend, which means missing...
by ryuns
Fri Jun 19, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11241

Re: Prenup

I'd be interested in hearing from people who did not have a large amount of assets before a marriage but got a prenup. Did they discuss a prenup before announcing their engagement to the world? How was the topic brought up and when was it brought up? Were lawyers involved? Did either negotiator thr...
by ryuns
Fri Jun 19, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 30
Views: 3335

Re: Anyone have A/C fail on an older Honda CRV?

A dead AC at 13 years old seems like a reasonable, though not amazing, timeline. The AC in my Civic died at about that age a couple years back. Started emitting some crazy grinding noises. They replaced the compressor, and did some extra work to clean (or at least check?) the system, citing the afor...
by ryuns
Thu Jun 18, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5088

Re: Non-Bogleheads approach to changing cars?

Trying to anticipate your needs years in advance would be akin to market timing I don't see it that way. Trying to anticipate your needs years in advance would be akin to long term planning. Maybe if you "anticipate" a mid-life crisis and buy a sports car or if you try to guess when self-...
by ryuns
Thu Jun 18, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6438

Re: Most Beautiful Nature Destinations

Just don't ignore what you can see when you walk around the block. http://s28.postimg.org/eom9t4r3x/0725_water_beads_on_leaf_pretty_copia.jpg This is just around the corner from me. Does it count? :) http://home.comcast.net/~bobkeenan/dragonhouse.jpg More views: https://www.youtube.com/watch?t=10&a...
by ryuns
Thu Jun 18, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 66
Views: 8192

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

driven this car I thought that if any car hit me at any reasonable speed, that i would not survive if an SUV hit me, then definitely wouldn't make it No point in being a boglehead if you don't live to enjoy the benefits of the money one saves however, if that doesn't concern you, then its a decent ...
by ryuns
Thu Jun 18, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 66
Views: 8192

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

Do rhetorical questions get us to the truth? Car is a transportation tool. I buy tools. I don't rent them. Are dogmatic rules supposed to help us arrive at the financially appropriate outcome 100% of the time? Houses are places to live. Does that mean I should buy a place to live? Or rent one? I NE...
by ryuns
Thu Jun 18, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 7372

Re: I'm Giving Up Golf

Hell, 80 is a pretty good run. I'm 31 and every time I go play my beloved soccer and then am sore for the next 4 days, I swear it's going to be my last time ;)

I hope you're planning to enjoy the nearby Senior Open (if you're still locate in Roseville, as I remember).
by ryuns
Thu Jun 18, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 5305

Re: Your Top 10 Worst Bands/ Musicians and Movies

Lord of the Rings (all of them) I always find it interesting when people end up with nearly universally acclaimed movies/music on lists like this. It seems to me that some people have this habit and others don't. My brother, for instance, seems to find movies "overrated" or "not grea...
by ryuns
Fri Jun 05, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: La Guardia to Times Square hotel - best transportation method?
Replies: 16
Views: 1511

Re: La Guardia to Times Square hotel - best transportation method?

Uber seems like a good bet. Request UberSUV or UberXL to get a full-size SUV, which should fit the 5 of you, depending on how much luggage.
by ryuns
Fri Jun 05, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 8899

Re: 30 years old / Missed the bull run

Opportunity cost is a very real thing, and it speaks to the advice we often hear for people to start saving as early as possible. But honestly, I started saving what I could from my first jobs and was buying stocks during a cheap market. And I netted, say, 50% that someone like you didn't net. But 5...
by ryuns
Tue May 26, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car got hit--what do I need to know?
Replies: 7
Views: 964

Re: Car got hit--what do I need to know?

Yes, similar thing happened to me 3 years ago. My car was declared totaled. The insurance company was initially offering $9000 for a car that was probably valued at $9500. I told them that their offer would not replace my vehicle. They asked me to fax them comparable used car values from Autotrader...
by ryuns
Tue May 26, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Car got hit--what do I need to know?
Replies: 7
Views: 964

Re: Car got hit--what do I need to know?

They will total it. You can buy it back....they will not give it to you They will likely come to your house to appraise it. You can certainly negotiate, but you would need comparable sales to compare with. Do you really think that the car is worth more than an average car like this? If so, be prepa...
by ryuns
Tue May 26, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Car got hit--what do I need to know?
Replies: 7
Views: 964

Car got hit--what do I need to know?

Hi All, We came home from a Memorial Day vacation to find that our "second car" had gotten hit pretty good. The driver of the other car turned out to be a neighbor driving her husband's pickup truck who swung too wide on our narrow street to let an approaching car past. She left her inform...
by ryuns
Fri May 08, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 11645

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: 1868

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: 5684

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: 4203

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: 8520

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: 1182

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: 1065

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: 91
Views: 10625

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: 1618

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: 4974

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: 79093

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: 2241

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: 10613

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: 6992

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: 4656

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: 4745

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: 2275

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: 8157

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: 4101

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: 10169

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: 3810

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: 757

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: 5283

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: 8827

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: 1005
Views: 162027

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...

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