Search found 3431 matches

by ryuns
Tue Nov 14, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1308

Re: What do I need to know about my mom's finances?

Thanks so much for all the helpful advice, everyone! This is such a great community of folks
by ryuns
Mon Nov 13, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1308

Re: What do I need to know about my mom's finances?

Has your Mother asked you to think about this, if not move on and get your finances up. Ok...I'll be sure to make sure my finances are "up " :confused In any case, I think I tried to explain this in my post, but yes, I've clearly been involved in a limited capacity in some of my mom's finances. It'...
by ryuns
Mon Nov 13, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1308

Re: What do I need to know about my mom's finances?

When you say she has asked you to log onto several accounts, are those accounts that are in her name? You should not be logging in using another person's credentials. If she wants you to be involved in her finances and prepared to help her out should she need it, you should go through the proper ch...
by ryuns
Mon Nov 13, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1308

Re: What do I need to know about my mom's finances?

One could speculate about many things (e.g., the value being provided by the "financial planner who has a long-standing relationship with our family") but until/unless your mother asks, it may not be worth volunteering to help. Thanks for the response. I suppose that is my question--whether it shou...
by ryuns
Mon Nov 13, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1308

What do I need to know about my mom's finances?

Hi friends. I'm 33. My mother is 72, but is in excellent health, living independently and doing a ton of traveling. But she is a widow (my father/her husband died ~23 years ago), and I will be the main person dealing with her affairs after she passes. (I have an older brother, but I'm a 3 hour drive...
by ryuns
Mon Nov 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4693

Re: Worth changing 40 gal. to 30gal. hot water tank?

If one is really interested in saving on the utility bill, the size of your water heater is pretty low on the list of things to consider (and may not help at all, as others note. Reduing the amount of hot water you actually use is a lot more effective. Many folks disagree, but I actually found downs...
by ryuns
Fri Nov 03, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7143

Re: Is it difficult to switch from an iPhone to an Android?

Looks like Costco has a good price for Moto G5 Plus at about 170 this month for members only. I am not a member so don't know if it would be worth it for me compared to Amazon with ads at $185. My kid does belong, however, so that is another option. I have been watching their online site for quite ...
by ryuns
Fri Nov 03, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 22
Views: 1682

Re: GPS watch

General recommendation: No one does reviews of fitness devices better than www.dcrainmaker.com Excellent site.
by ryuns
Fri Nov 03, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7143

Re: Is it difficult to switch from an iPhone to an Android?

Looks like Costco has a good price for Moto G5 Plus at about 170 this month for members only. I am not a member so don't know if it would be worth it for me compared to Amazon with ads at $185. My kid does belong, however, so that is another option. I have been watching their online site for quite ...
by ryuns
Fri Nov 03, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2880

Re: CR doesn't like some formerly favored SUVs

The Consumer Reports reliability rating is based on owner surveys, so it is real data, but it has some major caveats. First of all (you might have heard this line before), past performance is not a guarantee of future results - some reliability problems get fixed, and sometimes new problems are int...
by ryuns
Thu Nov 02, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9377

Re: Anyone planning on getting the new Pixel phone?

T-Mobile, which probably doesn't help you, since you're on Verizon. We just bought the unlocked ad-free version via Amazon, so it's mostly bloatware free, excluding a few Motorola items, which are mostly helpful. Any particular reason she chose that version over the s version? For her, it was mostl...
by ryuns
Wed Nov 01, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9377

Re: Anyone planning on getting the new Pixel phone?

My wife just bought a Motorola G5 Plus (not the S with the slightly larger screen), for $300 (for the 4gb RAM version). It's super fast--no lag, great response time. What network is she using it on? T-Mobile, which probably doesn't help you, since you're on Verizon. We just bought the unlocked ad-f...
by ryuns
Wed Nov 01, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1286

Re: Robot vacuum for pet hair and hardwood floor

Slight aside: I wish I had a good way to *try* a couple different Roombas and see how they work in my house. We've got tile, hardwood, carpet and a floor rug, along with some half-inch thresholds between each. Seems like the internet is pretty mixed on how effective it would be at handling those thr...
by ryuns
Wed Nov 01, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9377

Re: Anyone planning on getting the new Pixel phone?

This is somewhat secondhand, from using a friend's phone for a while and getting his take but: It's just a really nice phone. Great design. Non-XL version is the perfect size IMO--right size screen, limited bezel. I personally think the rear fingerprint scanner is a pretty intuitive design. The disp...
by ryuns
Tue Oct 31, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1469

Re: Cheap low speed unlimited data

What's the cheapest unlimited low speed data plan out there? My main usage will be browsing, email, texting/messaging, maps, and downloading apps/content. If it can stream a radio station or music, all the better. Cricket Wireless has a $30 plan with 1GB of High speed data and "speeds reduced after...
by ryuns
Mon Oct 30, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3456

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

And most of the hats that provide adequate sun protection look pretty dumb on guys. Oh well. I feel like it's mostly context dependent. If I'm hiking, or doing yard work, or out at the lake, a wide brim hat looks pretty reasonable. If I'm out at a BBQ or something, then yeah, it can feel a little s...
by ryuns
Thu Oct 26, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: DMV Registration Fee in California
Replies: 8
Views: 963

Re: DMV Registration Fee in California

SB 1 is the reason for the change. Here's the state's website on that: http://rebuildingca.ca.gov/
by ryuns
Mon Oct 23, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please...Do I cash out Universal Life Policy?
Replies: 10
Views: 868

Re: Help Please...Do I cash out Universal Life Policy?

Is the cash value portion not making any interest? I have a fairly similar policy, but it's making something like 5% interest. In my case, it was better for me to keep the policy, have the life insurance benefit, while getting 5% guaranteed, which is far better than anything comparable on the market...
by ryuns
Mon Oct 23, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5173

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I went through the car that will "baby" dilemma and ended up with a Subaru STI. In some measures it lags behind the competition, but I found the old-school peaky turbo and close ratio transmission to be the most dramatic (and fun) of sedans that would fit a child's seat. Still, it's not nearly as m...
by ryuns
Mon Oct 23, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1662

Re: Favorite HIIT Workouts

I'm friendly with a medical researcher who has done research on HIIT workouts and strongly recommended them. I moved recently and, as I was shopping around for a local gym, I looked for gyms (and studios, such as cycling and similar studios) that offer HIIT classes. Most of them offered classes the...
by ryuns
Mon Oct 23, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1662

Re: Favorite HIIT Workouts

One of my favorites is on the rowing machine. Since it's "self-paced", I have a goal for distance for each interval. E.g., 500m in 2 minute, then take about a minute rest, usually repeated 5 or 6 times. I also do "every other song hard" repeats on the spin bike, to keep in shape for hill climbing on...
by ryuns
Thu Oct 19, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411155

Re: What's Your Credit Card Rewards Strategy?

For California residents to get a companion pass after making only 1 purchase... https://creditcards.chase.com/a1/southwest/PlusCali?CELL=6G9Z&clk=HOMEPROMO2_CHASECPMEM171019 the offer details state: Only the individual who received this email/offer from Southwest Airlines® is eligible for this pro...
by ryuns
Thu Oct 19, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 55
Views: 5026

Re: Wife New Car Recommendations - SUV

The interior also feels really nice and both myself (5 ft 4) and my husband (6 ft 2) find both the driver's and passengers' seats to be comfortable, including the back. We managed to squeeze myself, our 6 ft 8 friend, and another buddy in the back seat two weeks ago - it wasn't the most comfy situa...
by ryuns
Tue Oct 10, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 4146

Re: What specific changes have you made post-Equifax?

- all passwords long and random using password manager, which exists only on my desktop Just curious, which password manager, and how to ensure it exists only on desktop? If it's something like LastPass, I assume the OP was referring to only installing the extension/app or only using the website fr...
by ryuns
Tue Sep 26, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1265

Re: Journal of my ride across Western Europe

Raybo, I always enjoy these journals. Thanks for posting. I also enjoy your website: http://www.biketouringtips.com/ (in case anyone else was interested :D )
by ryuns
Tue Sep 26, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Pay With Gasbuddy Card
Replies: 18
Views: 1269

Re: Pay With Gasbuddy Card

Too many better options. Not sure who this works out as a better deal for. Possibly people with poor credit and unable to get a card with rewards? Not likely any or the vast majority of people here, though. I am a DR guy who prefers not to use Credit Cards. I am currently using my bank's debit card...
by ryuns
Thu Aug 31, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1947

Re: ICE, hybrid, Phev, electric for short trips

This will sound crazy but, if I were only making occasional 3-5 mile trips, and the routes were amenable to it, I would just supplement a regular car with a bicycle. The Earth will thank you. Your body will thank you. I suspect the vast majority of Americans live in places where a 3 to 5 mile bicyc...
by ryuns
Thu Aug 31, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6633

Re: How do you reverse a lifetime of frugality and learn to spend some money?

Who will spend it if you don't? My BFF financial planner told her - travel first class, or your children will! I have little interest in material goods (cars, clothes, jewelry...) but just love nice vacations! That's funny. My retired widowed mother is still very healthy at 71 and goes on a ton of ...
by ryuns
Thu Aug 31, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1947

Re: ICE, hybrid, Phev, electric for short trips

And the replacement of a battery pack would be expensive. I might have more concerns re its winter performance in many parts of North America, particularly the Midwest. If/when I need a replacement, I expect to pay less than $2,000. I expect that to occur about year 8 or 150,000 miles. I will be lo...
by ryuns
Mon Jul 24, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3328

Re: College student daughter got her car totaled. Advice?

Likely very little room to negotiate. Upshot is that you should get a "fair" price. They have to reimburse you what it would cost to buy the vehicle, not what it's worth on the open market, so the price should equal what you'd pay from a dealer for that car, including tax, license, etc. We ended up ...
by ryuns
Mon Jul 24, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: 2014 Prius C
Replies: 9
Views: 824

Re: 2014 Prius C

How much are you saving going with the C vs. regular Prius? When they first came out, I think the price difference was about $2k new, and unless you need a smaller car or have already stretched your budget to the max, I found the tradeoffs from the C to be poor value. I would pay more for a compara...
by ryuns
Fri Jul 21, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1914

Re: car rental at OGG, any opinions?

Probably not helpful but: If your employer happens to have a corporate or government rental deal, see if it applies for personal use in all 50 states. My government rate w Enterprise explicitly applies for personal use. It's generally not that great of a deal when flying to big cities, but was a ste...
by ryuns
Mon Jun 19, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 10838

Re: Any BHs Had Experience With the Honda Fit?

Keep in mind that the Fit had a pretty substantial redesign a couple years back, so pros/cons outlined above may apply to one and not the other. You say you're looking used, so I assume you're referring to the previous version. New one has a smaller trunk but far larger backseat, and is a lot quiete...
by ryuns
Tue May 09, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3442

Re: Sunscreen for men in office environment

I've got the hats (Tilley) and wear them. I'm fair-skinned as well, so I'm sensitive to the issue but...isn't this sufficient in most cases? Mid-day, a wide brimmed hat should block out all direct UV to your face and head. You still have some consideration for reflection, but it doesn't seem too se...
by ryuns
Tue May 09, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6473

Re: What newspaper or magazine do you pay for?

The Economist. With a school-affiliated email you can get the student discount. Read it cover to cover every week. +1 on the Economist. It ain't cheap, but it's a great read. I find "weekly" to be about the appropriate time period for news. Long enough that some of the franticness of a given story ...
by ryuns
Tue May 09, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 3268

Re: Renting correct size car

There is a chrysler 300, but it's more than the Jeep! ETA: I see Costco has an "Intermediate SUV" which I think is a Ford Escape (or similar) for about the same price as my Hertz corporate rate, but without the additional LDW. So I would need to add $120 for LDW. How is the Ford Escape? The new For...
by ryuns
Tue May 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3442

Re: Sunscreen for men in office environment

I'd second the wide brim hat. That's what I do for lunch time walks during summer time. While not totally inconspicuous, it's not out of the ordinary. It's also much more reliable than sunscreen, which you're supposed to apply 15 minutes before going in the sun, and then re-apply every 2 hours. I ca...
by ryuns
Mon Apr 17, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6920

Re: Is my electric bill high?

That's pretty high, but note that electricity bills in California tend to go up in a hurry due to how steeply tiered the rates are. You say that you don't use the AC much, which makes me think you're in a forgiving climate. Unfortunately, those tiered prices tend to spike even faster in areas with f...
by ryuns
Mon Apr 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 28
Views: 3169

Re: Hiking the Tahoe Rim Trail

Regarding snow, I *hope* September will be fine because that's when I plan to hike the area. There are some good rec's here for what to catch and what to skip on the TRT. I've only hiked pieces here and there. If you have a goal to do the TRT, then you should start checking off pieces. But if you ha...
by ryuns
Mon Apr 17, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 11
Views: 1301

Re: Employer Being "Bought Out" By Another Company

It's really hard to know, but the general advice is to continue to work hard and be ready to adapt to change. Anecdata: I went through an acquisition when our tiny company was purchased by a large British firm. Started wonderfully. Our tiny company was a lot of fun, but we had almost no benefits (in...
by ryuns
Wed Jan 25, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Getting the best current mortage interest rate
Replies: 10
Views: 1402

Re: Getting the best current mortage interest rate

Our only criteria were rate and closing costs, so we just searched around for online quotes and ended up with Aimloans for first mortgage in 2011, and then Lenderfi for a 2013 refinance. Both handle pretty much everything online, which was just fine by me. Each of them immediately sold the loan to a...
by ryuns
Mon Jan 09, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Car purchase: Strategy for a car driven occasionally
Replies: 34
Views: 2355

Re: Car purchase: Strategy for a car driven occasionally

I would consider the opposite and look at used cars with relatively high miles that you can buy at a good discount. There are threads about buying rental cars and there is no consensus on that. I have have good luck with buying a Hertz Camry that was a rental car and lots of other people have too, ...
by ryuns
Fri Sep 30, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: MMM Lecture at the WD Summit [Mr. Money Mustache]
Replies: 58
Views: 7766

Re: MMM Lecture at the WD Summit [Mr. Money Mustache]

My main takeaway from MMM is re-evaluating what expenses (and increased expenses) will or do actually bring you happiness vs what doesn't. And a subset of what doesn't bring you happiness is things that do indeed provide some relief to your life but don't actually make you happier. For instance, rid...
by ryuns
Wed Jul 06, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 4391

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

degrees of 'patriotism' vary widely As do definitions thereof. I think it's probably more appropriate to say that it's certainly worth thinking about whether the culture of an area--social, political, etc--matches with one's own desires and sensibilities. But to define an area as more or less "...
by ryuns
Thu Jun 30, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 3080

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

What are you thinking for a replacement? On top of being a small-efficient-hatchback type of person (also a cyclist, I strongly prefer having the bike in the car, and recently established that a 29" Pivot fits just fine ), I have substantial metal in my back, so I have to put seat and ride com...
by ryuns
Mon Jun 06, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 5462

Re: Electric Scooter?

just frank wrote:
Please share a link?


http://pacinst.org/publication/driving- ... nd-choice/

This compares walking to driving, but should give you an idea.
by ryuns
Mon Jun 06, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 43
Views: 3647

Re: Yoga or Pilates or Something Else?

My orthopedist says P90X is what's paying for his sailboat. I've never tried it, but I'm not sure that's a ringing endorsement. I think this is probably true of most exercise that encourages you to work really hard and sometimes attracts people who aren't in good shape to begin with. Same with Insa...
by ryuns
Thu May 05, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 10656

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Manhattan with Bulleit Kentucky Bourbon from Costco. I think it's actually called a "Honolulu" if you use bourbon and not rye in a Manhattan, but that's a lousy name for a bourbon drink. Bulleit Rye-based Old Fashioned are my go-to. I think Costco has it for literally half the price of th...
by ryuns
Fri Apr 22, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 3506

Re: "The Index Card"

I enjoyed Harold Pollack's discussion of his Index Card on the Slate Money podcast recently:
http://www.slate.com/articles/podcasts/ ... _card.html
by ryuns
Sat Apr 02, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 12593

Re: Chase Freedom Unlimited card 1.5% back + bonus

The real value of the Freedom and new Freedom Unlimited is for Ultimate Rewards points. The problem is that to transfer points to other programs you need the Sapphire Preferred or Ink+. You can transfer UR points from the Freedom and Freedom Unlimited to the Sapphire Preferred or Ink+. Example: Say...