Search found 324 matches

by oxothuk
Wed May 23, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 4703

Re: New 2018 Nissan Leaf (with 150 mi range)

mervinj7 wrote:
Wed May 23, 2018 10:47 am
So the next question is based on estimates for future depreciation, will a 2018 Leaf SV be worth at least $8k in 3 years?
Seems likely, based on what 3 year old Leafs go for now. Given your wife's driving pattern, I would go for the purchase option.
by oxothuk
Sun May 20, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 29
Views: 1658

Re: Rental cars in Europe

I've found that one-way rentals in Europe can be quite cheap if pickup/dropoff are within the same country. If you want to drop off in a different country, then it gets MUCH more expensive. Rather than drop the car off in Zurich, it might be worthwhile for your two drivers to head back to Germany fo...
by oxothuk
Sun May 06, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8720

Re: Does it make sense to rent as a retiree?

Another tax consideration is that the extra income from selling your home (which will fund the rent) may push you into IRMAA territory (or a higher IRMAA bracket).
by oxothuk
Fri Apr 20, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4922

Re: Factor in evaluating Physicians

book lover wrote:
Fri Apr 20, 2018 7:11 am
The incessant drug company advertising on T.V. gets my goat, my family Doc getting donuts or lunch not at all.
Election-season TV ads are worse.
by oxothuk
Thu Apr 19, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5434

Re: [When is going out to a restaurant worth it to you?]

Going out is worth it for us in two cases
a) high-end "dining"
b) low-end "re-fueling"

The former is usually with friends or on vacation. The latter happens occasionally, driven by circumstances. We rarely visit any mid-priced restaurants; we'd rather eat at home.
by oxothuk
Thu Apr 19, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4503

Re: Another discussion about private vs public schools?

While the stereotype of private schools is that they are very selective, the reality is often quite different. The pool of parents with the means to pay is often quite small and the private school has more pressure to keep classes full to stay in business.
by oxothuk
Wed Apr 04, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6689

Re: Want/need some income in semi-retirement

DW and I want/need about $1,000 - $1,200 per month (net) in addition to SS/pensions. A current part time income will be ending in a few months. I am in early 70's, good health, can drive. Want low stress. Ideas? I have an acquaintance (similar age to you) who drives (re-locates) cars for Enterprise...
by oxothuk
Mon Apr 02, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Train Tickets in London
Replies: 8
Views: 1066

Re: Train Tickets in London

If you happen to be traveling with another couple, there are substantial savings to be had by bookings as a group.
by oxothuk
Sun Apr 01, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3162

Re: Towel Warmers - worthwhile luxury or useless?

We often find them when traveling in Europe. They work great to help dry clothes we have washed in the sink.
by oxothuk
Wed Mar 28, 2018 12:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 18710

Re: A lot of heavy hitters this morning

triceratop wrote:
Wed Mar 28, 2018 10:50 am
I buy all of my main articles of clothing at Goodwill
I knew someone who bought all his shirts at Goodwill, wore them once or twice, and then donated them back.

Not much more expensive than sending his shirts out to the cleaner, or so he said.
by oxothuk
Mon Mar 26, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8360

Re: Two- Factor Authentication at Vanguard - Update

I wish they had an in-between option for when to invoke 2FA. I don't really want to go through it for every logon, but would appreciate some extra security for any time I initiate a buy/sell/transfer transaction or any time I make a change to the account. Like others, I'd also like to see a TOTP tok...
by oxothuk
Mon Mar 26, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Denver to Salt Lake City
Replies: 12
Views: 1317

Re: Denver to Salt Lake City

Great Sand Dunes
Cumbres & Toltec RR
Mesa Verde
Colorado National Monument
Wine tasting in Palisade
by oxothuk
Fri Mar 16, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3316

Re: Which Day Hiking Trails Do You Recommend?

If you like to hike, please consider trekking in Europe. Combine hiking with only a day pack on well-marked scenic trails through the best the planet has on offer and have someone else see your luggage to the next night's accommodation. We're in our 60's and have done the almost 200 mile Coast-to-C...
by oxothuk
Sun Mar 04, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Flying Frontier- Heads Up
Replies: 21
Views: 2574

Re: Flying Frontier- Heads Up

I love Frontier - they help keep prices in line for me on my Southwest flights
by oxothuk
Tue Feb 20, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security vs Nest Egg Trade-off
Replies: 16
Views: 1676

Re: Social Security vs Nest Egg Trade-off

OP did not say, but I assume that the low earner has a very low SS earnings record, such that spousal benefit provides more money than claiming on his/her own record. In his example, the "joint lifetime benefit" of delaying one year is $2880 per year. This benefit applies so long as EITHER spouse is...
by oxothuk
Mon Feb 12, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6803

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I was pricing a Na Pali boat tour yesterday for our June Hawaii trip and the price was higher for the summer months because it was during their "high season". I would think Hawaii's high season was the winter months. Summer is high season for Na Pali boat tours because the seas are calmer. They don...
by oxothuk
Thu Feb 08, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Munich to Venice
Replies: 15
Views: 897

Re: Munich to Venice

Don't try to do too much. I would recommend doing one of the following: a) split your days 2/4,3/3, or 4/2 between Munich and Venice. Use the remaining day to travel between them, either by train or flying. b) spend 2 days each in Munich and Vienna and travel between by rental car, renting only for ...
by oxothuk
Thu Feb 01, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1787

Re: Trex Decking Without Fascia

Can anyone recommend any other brands that may be cheaper than Trex? We are really trying to spend the least amount of money as possible. Overall, the different brands are pretty comparable in price. But all brands (including Trex) have a range of product lines at different price points. Generally,...
by oxothuk
Tue Jan 30, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5175

Re: A "Home" cell phone?

Are there any privacy concerns with using OOMA? How does OOMA make money on their "free" service?
by oxothuk
Mon Jan 29, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 964

Re: Scotland/West Highland Way Sept. 2018

sad2 wrote:
Mon Jan 29, 2018 1:57 pm
What is Arthur's Seat?
A big hill in the middle of Edinburgh.
by oxothuk
Mon Jan 29, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 964

Re: West Highland Way Sept. 2018

Anyone here take the Jacobite train from Fort William to Millaig? It looks spectacular. I haven't but the rest of my family did and they enjoyed it. I drove our rental car from Ft. William to Mallaig to meet them, and was able to get pictures of the train as it crossed the Glenfinnan viaduct (featu...
by oxothuk
Mon Jan 29, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1682

Re: Paris Hotel Recommendations

We stayed at Casa O last fall and really enjoyed it. Nice rooms, good location, easy Metro connections.

You receive an entry code before arrival, so no worry about losing your key.
by oxothuk
Mon Jan 29, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Scotland tour - Spirit of Speyside
Replies: 8
Views: 976

Re: Scotland tour - Spirit of Speyside

If you want a tour/tasting at any of the smaller distilleries, be sure to make reservations well in advance.

The Speyside Cooperage has a very interesting tour.
by oxothuk
Sat Jan 27, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 964

Re: West Highland Way Sept. 2018

If you can't find lodging in Milngavie, you could always just go back and spend the night in Glagow, then reverse the next morning.

If the weather doesn't cooperate for your Ben Nevis climb (or if you want a preview), checkout the trail on Google Street View.
by oxothuk
Mon Jan 01, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Roomba or competitor?
Replies: 22
Views: 3893

Re: Roomba or competitor?

I got a Roomba 870 2 years ago. After 18 months it developed the "melted charging contacts" problem and would no longer dock reliably. Since it was out of warranty, iRobot would not fix it and would only offer a discounted replacement (for about the price of a new 805 from Costco). I replaced it a f...
by oxothuk
Thu Dec 28, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 3304

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

Longdog wrote:
Thu Dec 28, 2017 8:53 am
How can you can move assets from one DAF to another?
By making a "grant" to the other DAF.
by oxothuk
Fri Dec 22, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 22957

Re: Do you see a meaningful change in your income with new Tax Bill?

We’ll save about$3K. Beats a poke in the eye.

We have two grown kids, one in the sweet spot (Louisiana) and the other in the bullseye (California)
by oxothuk
Wed Dec 20, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 23
Views: 1932

Re: New Zealand Accomodations

I hiked one day on the QC track last year, from Furneaux Lodge to Punga Cove. I didn't stay there but Furneaux Lodge looked really cool, kinda like an old colonial outpost. We also spent one day visiting Marlborough wineries by bike. If that interests you, you should try to get accommodations in Ren...
by oxothuk
Sat Dec 16, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting
Replies: 29
Views: 3398

Re: Tax gain harvesting

Ron Ronnerson wrote:
Sat Dec 24, 2016 2:31 pm
For us, there appears to be greater likelihood of not being able to itemize going forward. So we've made an extra mortgage payment...
How does that help? Additional payments on your mortgage are applied to the principal balance and do not increase your deductible interest.
by oxothuk
Mon Dec 11, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2964

Re: What MPG App Do You Use To Track Fuel Usage ?

CABob wrote:
Sun Dec 10, 2017 7:32 pm
That was California gas ..... We have always paid more than the rest of the world.
More than the rest of the Continental US perhaps. But much cheaper than the rest of the world.
by oxothuk
Wed Dec 06, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 273
Views: 20588

Re: Do people still use AAA?

I'm a long time AAA member. My two most recent road-service experiences were as follows: a) Driving a rental car in Indianapolis I hit a pothole and tire blew out. Took about an hour for road service to arrive. b) Out shopping for groceries with my wife, brother and sister-in-law when her car had a ...
by oxothuk
Tue Nov 28, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4541

Re: Paying for news?

I just question that the use of intangible property without paying for it is best described as "theft". Taking it back another level, I question the practice of labeling temporary government-sanctioned monopolies as "property". We have a primal understanding of tangible property and ownership, star...
by oxothuk
Wed Nov 22, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4704

Re: Trip to Hawaii - what do I need to know

TRC wrote:
Tue Nov 21, 2017 2:08 pm
Do the full loop around the island (where it says no rental cars allowed. This is why you have a jeep).
I’ve done the whole loop (without realizing I wasn’t supposed to). The “forbidden sections” were nothing special IMHO.
by oxothuk
Tue Nov 21, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6561

Re: Uber for someone who knows only taxis

rob wrote:
Tue Nov 21, 2017 9:45 pm
- Some areas get little service - especially in
Rather than tell the customer "no cars available", there should be an option to summon a car from further away by paying a surcharge (perhaps the deadhead fare to the pickup point). Not sure why they haven't implemented something like that.
by oxothuk
Tue Nov 21, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4704

Re: Trip to Hawaii - what do I need to know

First step is to pick what island(s) you want to visit - they are all quite unique. For a first time visitor with time for just one island I would recommend Maui. Because it is “in the middle” both geographically and geologically it has a bit of everything and is the most representative. Oahu is the...
by oxothuk
Mon Nov 20, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6561

Re: Uber for someone who knows only taxis

One small advantage of taxis overUber was the ability to schedule a pickup in advance. But I got an email just this week announcing that Uber is adding that feature. I hate the entire practice of tipping and thus prefer Uber over Lyft. I don’t mind compensating drivers fairly, but just show me the r...
by oxothuk
Fri Nov 10, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 93
Views: 8687

Re: Spam calls to cell phone...

stan1 wrote:
Fri Nov 10, 2017 9:04 am
but most people text or email now instead of calling now.
Because spammers have essentially destroyed the usefulness of the phone system.
by oxothuk
Tue Oct 31, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5593

Re: Someone spoofing my phone number?

This happens all the time. My cell phone block list is full and I can't add any more entries. I think the system needs to move from a black list model (list every number who can't call you) to a white list model (only authorized phone numbers get through, everyone else gets voicemail). I already ha...
by oxothuk
Sun Oct 29, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 4367

Re: European Tours

I'm a strong proponent of DIY touring, especially for someone who is under 65 and active. My main recommendations are as follows: 1) Don't try to cram too much in. Pick just a few places and give yourself enough time to see them properly. 2) Stay at least 3 nights at each place. Packing/unpacking ta...
by oxothuk
Fri Oct 27, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Two password managers for redundancy? How safe is Mac Keychain? Fingerprint?
Replies: 29
Views: 1860

Re: Two password managers for redundancy? How safe is Mac Keychain?

I have a new MacBook Pro with fingerprint ID and intend to use it as my "go to" for financial work. How safe is Mac Keychain? From what I've read it's pretty safe. I keep low-medium value passwords in my iCloud keychain, so they are available on my phone/iPad as well I store the most sensitive pass...
by oxothuk
Fri Oct 27, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Two password managers for redundancy? How safe is Mac Keychain? Fingerprint?
Replies: 29
Views: 1860

Re: Two password managers for redundancy? How safe is Mac Keychain?

I have a new MacBook Pro with fingerprint ID and intend to use it as my "go to" for financial work. How safe is Mac Keychain? From what I've read it's pretty safe. I keep low-medium value passwords in my iCloud keychain, so they are available on my phone/iPad as well I store the most sensitive pass...
by oxothuk
Fri Oct 27, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 2332

Re: What is the story with the Apple iWatch Series 3?

I recently purchased a new Apple watch and on the 14th day (just in time) I returned it to Apple. I might be missing the point of this device or other smartwatches but it didn't fill a need that I thought it would. I embrace technology especially when it makes life easier and to me that is priceles...
by oxothuk
Wed Oct 25, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 24
Views: 2130

Re: accounting software for churches?

Our church uses Quickbooks online. Works well and any bookkeeper knows how to use it. We don’t keep any sensitive personal info in Quickbooks. Only user is the bookkeeper, who generates monthly and ad-hoc reports for our finance committee. We have a separate program to manage membership, contributio...
by oxothuk
Tue Oct 24, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 4456

Re: Credit card companies forgiving debt after death?

Chuck wrote:
Tue Oct 24, 2017 1:06 pm
DTSC wrote:
Tue Oct 24, 2017 1:02 pm
She told me that if she had know they would forgive the debt, she would have charged his funeral on the card.
My guess is they would only cancel balances from before the actual time of death.
Using the credit card after death would be fraud.
by oxothuk
Wed Oct 04, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you get COLA's on your Soc Security when restricting your application for Spousal Benefits?
Replies: 5
Views: 576

Re: Do you get COLA's on your Soc Security when restricting your application for Spousal Benefits?

You get a COLA but you may not see any increase in the net amount of your check after Medicare Part B premium is deducted.
by oxothuk
Wed Oct 04, 2017 1:45 am
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 2227

Re: Visiting Paris - should we buy tickets in advance?

I am visiting France now and have had no problems using my Marriott Visa (Chase, chip+sig) card anywhere. This includes unattended locations like parking lots and ticket dispensers for the Paris Metro.

YMMV
by oxothuk
Tue Sep 12, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4231

Re: Retirement - Living in Colorado

I currently live in Boulder and have friends who live in Colorado Springs. Both are very nice places to live. Northern Front Range (Denver to Ft. Collins) is more urbanized than the Springs, which is either a positive or a negative depending on what you're looking for. Unfortunately the secret is ou...
by oxothuk
Tue Sep 12, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Nature of fraud (or, what I was afraid of)
Replies: 8
Views: 2129

Re: Nature of fraud (or, what I was afraid of)

btenny wrote:
Tue Sep 12, 2017 1:52 pm
So I see the situation as not that bad right now.
Just because the cost of fraud is hidden in the prices of goods and services rather than charged to you direclty doesn't mean that it isn't a big problem.
by oxothuk
Mon Sep 11, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4994

Re: What do you do in slow travels?

climber2020 wrote:
Mon Sep 11, 2017 9:56 am
Hiking.
+1
My wife and I have taken several self-guided walking tours in Europe where we stay in a very small region for 1-2 weeks. There are lots of companies who organize tours like this, but our favorite is www.inntravels.co.uk
by oxothuk
Thu Sep 07, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2450

Re: Vacation after minor hurricane?

For what it's worth, you have my complete sympathy. DW and I are supposed to leave Saturday for a 10-day stay in Jamaica, with flight path directly over the Florida peninsula. I don't think that's gonna happen. :( I wouldn't be so pessimistic. I've been on many flights that took detours of up to 40...