Search found 3405 matches

by ryuns
Thu Aug 31, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1804

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: 6205

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: 1804

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: 3121

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: 760

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: 1741

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: 10050

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: 3302

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: 6064

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 gi...
by ryuns
Tue May 09, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 3116

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? T...
by ryuns
Tue May 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3302

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: 6474

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: 21
Views: 2037

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: 1249

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: 1346

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: 2261

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: 7486

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: 4219

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: 3034

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: 5355

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: 3579

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: 10286

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: 3451

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: 12306

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: 12306

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: 12306

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: m (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% flat rate on everything +$150 bonus + $25 bonus for...
by ryuns
Fri Apr 01, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 23461

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: 2475

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: 3372

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: 6456

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: 91
Views: 21991

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: 4382

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: 91
Views: 21991

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: 113
Views: 14348

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: 921

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: 921

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: 921

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: 921

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: 1428

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: 2234

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: 2219

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: 2251

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: 2251

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: 2251

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: 940

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: 1143

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: 3052

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: 3110

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: 10204

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: 5927

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...