Search found 3363 matches

by ryuns
Mon Jan 11, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Optimal iPhone International Roaming
Replies: 6
Views: 719

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: 2484

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: 2496

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: 74
Views: 7950

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: 4381

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: 1873

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: 7243

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: 47308

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: 47308

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: 4213

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: 5755

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: 3616

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: 47308

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: 13691

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: 7663

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: 12711

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: 33
Views: 3252

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: 33
Views: 3252

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: 6751

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: 599

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: 33
Views: 3252

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: 8107

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...
by ryuns
Wed Aug 05, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 8107

Re: Hike the Pacific Crest Trail/JMT

Cool thread! I'll echo what others have said. I'd be worried about going that late--probably mostly due to snow, but you'll also want to double check the drought situation. That said, we just did a week's backpacking in some of the most gorgeous country I've ever experienced in the Desolation Wilder...
by ryuns
Wed Aug 05, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44018

Re: Free Windows 10 Upgrade, Yes or No?

Upgraded one of my machines. Went very smooth. Only issue was VMWare Workstation, w2hich probably doesn't affect most people. Good to hear. How's it performing compared to Win7 and how resource intensive does it seem? My laptop meets all the specs fairly easily, but it's no over-achiever as it is r...
by ryuns
Wed Aug 05, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 14906

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

There's usually I found two easy ways to save money on groceries. Buy in bulk, but you'll have to use the freeze some stuff , depending on the size of your family. Make more meals from scratch and avoid packaged foods (but this costs more time) I was skeptical that our chest freezer would save us a...
by ryuns
Wed Aug 05, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 80
Views: 7491

Re: Aloha Shirt: Yes or No

I feel like everyone is skipping over the obvious questions: Are you married? What does your spouse think? Not that we all need to cater 100% to our wives, but in matters that are fairly trivial to one, it may be prudent to see if such matters are considered "non-trivial" to the other. :)
by ryuns
Wed Aug 05, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44018

Re: Free Windows 10 Upgrade, Yes or No?

Upgraded one of my machines. Went very smooth. Only issue was VMWare Workstation, w2hich probably doesn't affect most people. Good to hear. How's it performing compared to Win7 and how resource intensive does it seem? My laptop meets all the specs fairly easily, but it's no over-achiever as it is r...
by ryuns
Mon Aug 03, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1513

Re: Car price negotiation--already discounted?

There is nothing to loathe about buying a car. Its like buying anything else. You have to do your homework. Remember all they do is sell cars all day every day each month all year. Are they better prepared than you at this point, Of course. So you have to do your homework. Oh yeah - you have to be ...
by ryuns
Mon Aug 03, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1513

Re: Car price negotiation--already discounted?

Thanks for the great responses so far everyone. That's very helpful.
by ryuns
Mon Aug 03, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car price negotiation--already discounted?
Replies: 13
Views: 1513

Car price negotiation--already discounted?

Hi All, We're (DW and I) in the process of buying a new car. In no hurry, since we do pretty well with one car, but that car is 16 years old, so we'd like to have another one in our stable. We loathe the whole car-buying process, which is causing some over-analysis. A couple cars we're looking at ar...
by ryuns
Mon Aug 03, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 3618

Re: Recommendations on a cheap commuter car

You won't go wrong with a Civic or Corolla, but you're right that you're going to get hosed buying used because resale is so high. I'd grab a Consumer Reports auto issue (most libraries carry them) and look for good value used cars. If the Japanese brands aren't giving much of a used car discount, ...
by ryuns
Mon Aug 03, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Y/O with Goal of House
Replies: 4
Views: 761

Re: 23 Y/O with Goal of House

You've gotten great advice on whether to buy a house. I'd second all of that. I love our house, and we've been lucky on maintenance so far, it's gone up in value by about 20% and our mortgage rate is locked in very low. It's been great for us. But it's also a pain. Some of the work I love, some of i...
by ryuns
Thu Jul 30, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4903

Re: Best Place to live for a young family?

+1 for Placerville on the top 25 best towns in California list. El Dorado County is great, I'd move there in a heartbeat if I had work there. Since you're in California and mention the Bay Area as a possibility if not for cost, the Sacramento region is underrated as a family-friendly option if you ...
by ryuns
Thu Jul 30, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4903

Re: Best Place to live for a young family?

7. Folsom - never been, never plan to go (doesn't have a very good reputation) Don't mean to pick on you, but I wonder if you're listening to too much Johnny Cash. I'm a city dweller and don't generally harbor too much love for Sacramento suburbs, but Folsom, by all accounts, is a really, really ni...
by ryuns
Thu Jul 30, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 3618

Re: Recommendations on a cheap commuter car

You won't go wrong with a Civic or Corolla, but you're right that you're going to get hosed buying used because resale is so high. I'd grab a Consumer Reports auto issue (most libraries carry them) and look for good value used cars. If the Japanese brands aren't giving much of a used car discount, y...
by ryuns
Thu Jul 30, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Neat way to save a little $ on your car insurance
Replies: 18
Views: 4417

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

She said we would have to prove the other party didn't have insurance, so it would not cover a hit and run. If you have the other car's license plate, you may still be able to prove the other driver was uninsured. I was the victim of a hit and run years ago and there were multiple witnesses who all...
by ryuns
Wed Jul 22, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7822

Re: honda civic or Prius?

Done. $16,600 out the door. Honda Civic. The best experience I have had in a dealership. The Toyota guy pulled the "It's only good for 48 hour" and the manager with the " the price is good if you come back in an hour BS. That matters to me. And the Civic is an EX model, with the big ...
by ryuns
Mon Jun 22, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 157
Views: 28728

Re: When saving money becomes an irrational obsession

to each his own.. it doesn't make sense to me to have millions of dollars in investments, but drive an old camry or a fit. But it makes sense to some.. can't figure that out The Fit is pretty sweet though. If I had millions of dollars I would probably trade in my old one for a new one. It really sp...
by ryuns
Mon Jun 22, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 123
Views: 13761

Re: Blue Apron

One option that we really like about Blue Apron is the flexibility to schedule weeks in advance. We probably only average getting one shipment per month, at absolute max. We do on weeks when we're going to be more busy than usual, including when we're out of town for the weekend, which means missing...
by ryuns
Fri Jun 19, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 139
Views: 13820

Re: Prenup

I'd be interested in hearing from people who did not have a large amount of assets before a marriage but got a prenup. Did they discuss a prenup before announcing their engagement to the world? How was the topic brought up and when was it brought up? Were lawyers involved? Did either negotiator thr...
by ryuns
Fri Jun 19, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 32
Views: 4160

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

A dead AC at 13 years old seems like a reasonable, though not amazing, timeline. The AC in my Civic died at about that age a couple years back. Started emitting some crazy grinding noises. They replaced the compressor, and did some extra work to clean (or at least check?) the system, citing the afor...
by ryuns
Thu Jun 18, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5265

Re: Non-Bogleheads approach to changing cars?

Trying to anticipate your needs years in advance would be akin to market timing I don't see it that way. Trying to anticipate your needs years in advance would be akin to long term planning. Maybe if you "anticipate" a mid-life crisis and buy a sports car or if you try to guess when self-...
by ryuns
Thu Jun 18, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6869

Re: Most Beautiful Nature Destinations

Just don't ignore what you can see when you walk around the block. http://s28.postimg.org/eom9t4r3x/0725_water_beads_on_leaf_pretty_copia.jpg This is just around the corner from me. Does it count? :) http://home.comcast.net/~bobkeenan/dragonhouse.jpg More views: https://www.youtube.com/watch?t=10&a...
by ryuns
Thu Jun 18, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 10775

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

driven this car I thought that if any car hit me at any reasonable speed, that i would not survive if an SUV hit me, then definitely wouldn't make it No point in being a boglehead if you don't live to enjoy the benefits of the money one saves however, if that doesn't concern you, then its a decent ...
by ryuns
Thu Jun 18, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 10775

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

Do rhetorical questions get us to the truth? Car is a transportation tool. I buy tools. I don't rent them. Are dogmatic rules supposed to help us arrive at the financially appropriate outcome 100% of the time? Houses are places to live. Does that mean I should buy a place to live? Or rent one? I NE...
by ryuns
Thu Jun 18, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 7593

Re: I'm Giving Up Golf

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

I hope you're planning to enjoy the nearby Senior Open (if you're still locate in Roseville, as I remember).
by ryuns
Thu Jun 18, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 5911

Re: Your Top 10 Worst Bands/ Musicians and Movies

Lord of the Rings (all of them) I always find it interesting when people end up with nearly universally acclaimed movies/music on lists like this. It seems to me that some people have this habit and others don't. My brother, for instance, seems to find movies "overrated" or "not grea...
by ryuns
Fri Jun 05, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: La Guardia to Times Square hotel - best transportation method?
Replies: 16
Views: 2364

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

Uber seems like a good bet. Request UberSUV or UberXL to get a full-size SUV, which should fit the 5 of you, depending on how much luggage.
by ryuns
Fri Jun 05, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 9157

Re: 30 years old / Missed the bull run

Opportunity cost is a very real thing, and it speaks to the advice we often hear for people to start saving as early as possible. But honestly, I started saving what I could from my first jobs and was buying stocks during a cheap market. And I netted, say, 50% that someone like you didn't net. But 5...
by ryuns
Tue May 26, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car got hit--what do I need to know?
Replies: 7
Views: 1020

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

Yes, similar thing happened to me 3 years ago. My car was declared totaled. The insurance company was initially offering $9000 for a car that was probably valued at $9500. I told them that their offer would not replace my vehicle. They asked me to fax them comparable used car values from Autotrader...

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