Search found 3391 matches

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: 3045

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: 2542

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 :D), I have substantial metal in my back, so I have to put seat and ride c...
by ryuns
Mon Jun 06, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4121

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: 2947

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: 7843

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. 8-) Bulleit Rye-based Old Fashioned are my go-to. I think Costco has it for literally half the price o...
by ryuns
Fri Apr 22, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 3143

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: 8736

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...
by ryuns
Sat Apr 02, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 8736

Re: Chase Freedom Unlimited card 1.5% back + bonus

This looks like a nice everyday card for me for almost everything other than gas and groceries, where I'll stick with the 5% back from the Sallie Mae card. Im hoping to downgrade my wife's Sapphire Preferred to this, and still have my own Sapphire Preferred to transfer the points to. For credit car...
by ryuns
Fri Apr 01, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 8736

Chase Freedom Unlimited card 1.5% back + bonus

I haven't seen it mentioned here, so I thought I'd point folks interested in getting a new cc to the Chase Freedom Unlimited card: https://creditcards.chase.com/a1/freedom-unlimited (You can now apply online, rather than having to go to a branch as was the case for prior couple months.) It's 1.5% fl...
by ryuns
Fri Apr 01, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20307

Re: Tesla Model 3 anyone?

One thing I've noticed about the progress in electric cars is that there are still a lot situations for which they're not suitable and drivers who won't be buying them for that reason, but that band is getting smaller and smaller all the time. Most families have 2 or more cars, so this makes a great...
by ryuns
Wed Mar 30, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club (or other P2P) Experiences?
Replies: 23
Views: 1922

Re: Lending Club (or other P2P) Experiences?

-Use a tax advantaged account - I use a Roth IRA Took me too long to come around to this conclusion, but I agree. Taxes seem to annoy me more every year. Space in Tax exempt accounts is too precious to tie up with anything esoteric, in my view. This is a serious consideration as well, particularly ...
by ryuns
Fri Mar 18, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Suburbs with high ownership
Replies: 29
Views: 2952

Re: Suburbs with high ownership

Often, people view high ownership rates as a sign of a stable families, a community whose residents have a vested interest in staying "nice", etc. But I have to imagine that hits diminishing returns, and to me, the desirability would flip at some point. To me, 100% ownership means a very h...
by ryuns
Mon Mar 14, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Investing in Marijuana businesses
Replies: 49
Views: 5582

Re: Investing in Marijuana businesses

This is probably stating the obvious, but I have to imagine that, just like blue chip stocks, smart investors have done their due diligence on what the risks are. If those risks don't materialize, you're likely to be compensated for them. Risks like having a new executive branch in 2017 that puts th...
by ryuns
Wed Mar 09, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9451

Re: How to get a real Chip and Pin card?

I called Chase before the trip and asked if I could add a PIN option and they said they couldn't--that US financial institutions couldn't add a PIN option to their card. I'd never heard that before, and it sounds ridiculous. It not only ridiculous, but it's not true. I leave next week for 3 weeks i...
by ryuns
Wed Mar 09, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab online bank - reviews?
Replies: 19
Views: 2814

Re: Charles Schwab online bank - reviews?

I have literally no complaints with Schwab. ATM fee refunds, no foreign transaction fees, free checks, great customer service. All that, and 0.1% APY! Haha.
by ryuns
Wed Mar 09, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9451

Re: How to get a real Chip and Pin card?

My Chase Sapphire card (which is supposed to be "ideal" for travelers) doesn't offer chip and PIN, only chip and signature. I didn't have any problem with my chip and signature card at Spanish train stations. They just processed the transactions with no issue. They didn't ask for PIN OR si...
by ryuns
Tue Mar 08, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 11119

Re: Cities good for living abroad?

Fun thread. Barcelona or elsewhere in the southern half of Spain is an easy choice if you plan on Europe. We were in southern Spain in early February, and, honestly, it couldn't have been better. Slightly chilly but pleasant enough for walking. It was the off-season, so accommodations were very affo...
by ryuns
Thu Feb 25, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Old whole life policy -- keep or cash out?
Replies: 10
Views: 811

Re: Old whole life policy -- keep or cash out?

In which case, as long as the numbers provided are transparent and I'm not missing anything, it seems worthwhile to continue paying. The insurance portion is overpriced compared to term life, but the interest rate is sufficiently better than competing opportunities that it's worth holding onto. Even...
by ryuns
Thu Feb 25, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Old whole life policy -- keep or cash out?
Replies: 10
Views: 811

Re: Old whole life policy -- keep or cash out?

If the policy is a whole life policy, then the required premiums should not increase. Also, your talk about "cost of insurance" and interest rates makes me think this is not a whole life policy, but actually a universal life policy. Generally speaking, a whole life policy like this is wor...
by ryuns
Thu Feb 25, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Old whole life policy -- keep or cash out?
Replies: 10
Views: 811

Re: Old whole life policy -- keep or cash out?

Thanks for the responses, all. Ask the company for an in-force illustration of the guaranteed numbers if you keep the insurance, pay and use paid-up additions if there is a dividend. Then make the decision. . I think I have those numbers, but I'm not sure what to make of them. The guaranteed numbers...
by ryuns
Thu Feb 25, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Old whole life policy -- keep or cash out?
Replies: 10
Views: 811

Old whole life policy -- keep or cash out?

EDIT. Thanks for the correction powermega, this is a UNIVERSAL life insurance policy. (If it wasn't already obvious that I know nothing about these policies) My mother during my last visit gave me some paperwork associated with a whole UNIVERSAL (my bad!) life insurance policy that she and my late f...
by ryuns
Fri Feb 19, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Badlands, etc. South Dakota... camping, with dog
Replies: 15
Views: 1120

Re: Badlands, etc. South Dakota... camping, with dog

Nisi- Have you traveled to National Parks with a dog before? I think this is a big variable about which parks allow dogs, and where to leave them if they don't. A few summers ago we took our beloved mutt with us to the Olympic National Forrest (WA state) and had visions of hiking Hurricane Ridge wi...
by ryuns
Fri Feb 19, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Water / Impact Proof Digital Camera Recommendations
Replies: 23
Views: 1858

Re: Water / Impact Proof Digital Camera Recommendations

We just bought the Nikon AW130 to replace an aging camera. We mostly bought it for impact resistance, since we camp and backpack a lot. Battery life is great. Picture quality is decent. I was actually angling for the Sony DSC-TX30/B, which is much smaller and lighter. Consumer Reports preferred the ...
by ryuns
Fri Feb 19, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 1934

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

I gotta say, it's not totally intuitive what airports allow pickups from searching the web, since there are often a ton of results about some controversy or some negotiation with the airport, and it's unclear what the current rule is. Best way to find out is pop open your app and move your cursor (o...
by ryuns
Wed Feb 17, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Selling an older car--how much work to do?
Replies: 27
Views: 1911

Re: Selling an older car--how much work to do?

Thanks again for all the advice. I would also really emphasize that you are the ORIGINAL owner of the car. I'm actually second owner, but I purchased it in 2006. So maybe I can proclaim that I've "owned the car nearly a third of my life!" Haha. How long have they been there. Craigslist sel...
by ryuns
Wed Feb 17, 2016 1:23 am
Forum: Personal Consumer Issues
Topic: Selling an older car--how much work to do?
Replies: 27
Views: 1911

Re: Selling an older car--how much work to do?

Wow, thanks for all the advice. I don't think I've ever made a post that got answers with this kind of range. Perhaps I should have made a poll. Haha. I'll definitely check back in to tell you what I ultimately got for it. (FWIW, Bluebook is ~$2000, but Craigslist comps are ridiculously high--$2100 ...
by ryuns
Tue Feb 16, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Selling an older car--how much work to do?
Replies: 27
Views: 1911

Selling an older car--how much work to do?

Wife and I bought a new Honda HR-V (fabulous car, btw) in September to replace or supplement Dante, our beloved 2000 Honda Civic, with its cramped quarters, no safety features, and two doors. Over that time, we've found almost no use for a second car. My wife commutes about 20 miles each way, but I ...
by ryuns
Tue Feb 16, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Long layover in LAX. Shuttle to Orange County?
Replies: 7
Views: 831

Re: Long layover in LAX. Shuttle to Orange County?

Another option is to take the shuttle to the Metro Green Line and take that train all the way to Norwalk. Then take Uber from Norwalk to Garden Grove. This is a pretty good option and avoids a lot of traffic. UberX and Lyft are pretty cheap in LA. Even taking it from the airport all the way to Gard...
by ryuns
Mon Jan 11, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Optimal iPhone International Roaming
Replies: 6
Views: 895

Re: Optimal iPhone International Roaming

If you're using google maps for navigation a lot, one way to reduce data use is to download maps for offline use for the area you're visiting while you're on wifi. Here's a nice tutorial: http://www.cnet.com/how-to/how-to-use-g ... s-android/
by ryuns
Tue Dec 22, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to your wife about finances
Replies: 31
Views: 2787

Re: Talking to your wife about finances

The first thing my wife and I did when discussing investments and savings was trying to determine what our actual goals were. How important is it to you both to retire early or to have flexibility for only one spouse to work? Do you plan to stay in the safe house or do you think you'll ever upgrade?...
by ryuns
Fri Dec 18, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: when will cd rates go up
Replies: 17
Views: 2764

Re: when will cd rates go up

FWIW, bankrate.com shows the average rate for a 5-year CD is up 9 bp from last week. So that's...something.
by ryuns
Tue Nov 24, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a bonus this year?
Replies: 75
Views: 9395

Re: Getting a bonus this year?

$0 for me, in my government job. I'm fascinated how bonuses are calculated at various people's jobs, at various levels of responsibility. I love how many of them follow a strict formula, except that so many of the variables are completely arbitrary. Wife's company in big Ag struggled a bit, had a fe...
by ryuns
Wed Nov 04, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 5260

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

The problem is that i work and park on a construction site. it WILL bother me when my new car gets dings and scratches. ie: Careless co-workers, or construction debris kicked up by other cars while entering/leaving the site. Less bothersome if it's a used cars. For this reason only, I would buy a C...
by ryuns
Mon Nov 02, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Solar City back-up home battery
Replies: 16
Views: 2098

Re: Solar City back-up home battery

What types of blackouts are you hoping to avert? And what are you trying to avoid in having a generator around? It seems the battery option would be more expensive for considerably less flexibility. If you're not able to take advantage of any electricity rate differentials (selling to the grid in th...
by ryuns
Tue Oct 27, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 8317

Re: Worth Upgrading to LED Lighting?

Was just at Lowes at they had 60w equivalent LED bulbs for 99 cents each. The floods are below $5 each. Doesn't require much thinking now, just do it with regard to bulbs. Damn, that is well worth reviving an old thread. I just purchased some on sale at Ace for ~$3.50 each... on sale... I'm looking...
by ryuns
Mon Oct 26, 2015 4:11 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 376
Views: 52819

Re: Consider duration when deciding which loan to pay off

Zombie thread, but only just became relevant for us. It's pretty evident that whether it makes sense is all about your perspective at the time. The math only goes so far. For instance, we were ready to pay cash for our car (~$25k at the end of the day), but had an easy time getting a 1.5% car loan....
by ryuns
Mon Oct 26, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 376
Views: 52819

Re: Consider duration when deciding which loan to pay off

Zombie thread, but only just became relevant for us. It's pretty evident that whether it makes sense is all about your perspective at the time. The math only goes so far. For instance, we were ready to pay cash for our car (~$25k at the end of the day), but had an easy time getting a 1.5% car loan....
by ryuns
Mon Oct 26, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Car Dilemma: Replace Transmission or Buy Used Beater
Replies: 56
Views: 5034

Re: Car Dilemma: Replace Transmission or Buy Used Beater

FYI my friend sold a 2001 V6 accord with 185k miles and a busted transmission for $2800 on craigslist a month ago. His car had a very clean leather interior, no body damage but had some minor to moderate age related paint defects. The buyer left himself no room for margin at that cost though, not s...
by ryuns
Fri Oct 16, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Who Gets a New iPhone Every Year? Why?
Replies: 62
Views: 6412

Re: Who Gets a New iPhone Every Year? Why?

I think part of being a Boglehead is about being conscious of where your mom goes and what brings you happiness. We use T-Mobile and have been with them since the early days when they broke the mold and stopped subsidizing phones. Seeing the full cost of phones, we immediately went on the cheap end ...
by ryuns
Wed Oct 14, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3992

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

I would imagine a lot depends on what you need out of your other vehicle when it's not towing/being towed. Ideally, your tow-behind is fairly small and economical. Depending on the size of the trailer you'd want to towing vehicle could range from a mid-size SUV to a full size, duelly pickup. Would y...
by ryuns
Wed Oct 14, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 376
Views: 52819

Re: Do you think Ric Edelman is correct, never pay down mortgage

Zombie thread, but only just became relevant for us. It's pretty evident that whether it makes sense is all about your perspective at the time. The math only goes so far. For instance, we were ready to pay cash for our car (~$25k at the end of the day), but had an easy time getting a 1.5% car loan. ...
by ryuns
Wed Sep 30, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 14837

Re: Consumer items that are worth the initial investment?

Recent purchase: Basic bluetooth earbuds. $35. I totally underestimated the value of not having wires to tuck in when running, doing chores, gardening, etc.
by ryuns
Thu Sep 24, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 8676

Re: Considering moving to Oregon

I have been considering the same too. There is a job in Bend that I'm interested in but not sure dry and desert will suite me as I do like mountains, but green surroundings. Houses seem to be much more expensive than in Georgia and salary bump if any won't cover that. My daughter will be attending ...
by ryuns
Fri Sep 18, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 14207

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

I was glad to find this post in my facebook newsfeed challenging the initial article. http://www.slate.com/blogs/moneybox/2015/09/17/saving_in_your_20s_elite_daily_s_lauren_martin_is_so_so_wrong_about_personal.html?wpsrc=sh_all_dt_tw_top Great read, thanks for posting. I thought her conclusion gave...
by ryuns
Tue Sep 15, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6300

Re: Consumer Reports Magazine & Website

And a note to publishers: You don't HAVE TO put data into an "infographic." In fact, an infographic is only useful when it provides a visual analysis. Displaying data points inside circles doesn't add anything. And even better when it's completely meaningless information. A few months ago...
by ryuns
Tue Sep 15, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6300

Re: Consumer Reports Magazine & Website

.. Political bias with which I largely disagree. I don't want to speak directly to that and run afoul of forum rules, and I'm not sure whether it's always expressly political, but I will say that some of their evaluations have *some* sort of bias. Among other issues, I thought their discussion on o...
by ryuns
Tue Sep 15, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 7815

Re: Family Car Recommendations

Is the "extended warranty" exactly the same as the CPO warranty in this situation? And one can really buy "any car" and get this *same* warranty, without anyone certifying it? That doesn't make sense, especially for the company that's likely to pay for repair work if the car isn...
by ryuns
Tue Sep 15, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Metro Mile Anyone
Replies: 4
Views: 755

Re: Metro Mile Anyone

At 3.7 miles, I would seriously consider ditching the car for PT or a bike. I own cars for the flexibility. On Metro Mile, is there a provision for when you suddenly decide to take a 500 mile road trip over the weekend? That could get expensive in a hurry for spontaneous folks. Apparently, they max...
by ryuns
Mon Sep 14, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6300

Re: Consumer Reports Magazine & Website

I still find them nearly irreplaceable for things like auto and appliance reliability. I just don't know of a group that does a better job evaluating those things without a massive conflict of interest. This tends only to work for me on brand-aggregate level, because as others have said, models chan...
by ryuns
Mon Aug 31, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 8701

Re: Hike the Pacific Crest Trail/JMT

Regarding the food dehydrator-is this something that you brought along with you on the trip or did you mean to say that you prepared your food before the trip? Sorry for the late reply! Yes, I'm referring to a dehydrator that you plug in. This is a newer version of what we have. It's great, but the...

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