Bogleheads.org

steadyhand

Lichess for playing games for fun. Chess.com has more players and its rating matches closer to USCF so AI use that site for serious games. Lichess is not bad if you are closer to 1800-2000 rating and above. Lichess starts everyone at 1500 so you end up playing beginners a lot in the sub 1800 range. ...

steadyhand

Michigan through TIAA is a good one too.

steadyhand

I would propose a vacation to the mountains instead. We went into a ski area last week with kids and mainly hiked. Social distancing was easy except on a few popular trails where we intentionally were more careful and walked carefully. Not all wore masks, but we felt safe given it was in the outdoor...

steadyhand

What if there was no refund but instead had to pay?

steadyhand

I have an existing 30 year Mortgage with 24 years left on it and a balance of $225K at 3.875%. I have been contemplating refinancing for a while but never got a lower rate (either waited for it to go lower or it never was lower). In this low interest environment I feel I can get a lower interest. I ...

steadyhand

+1 for meeting an Ophthalmologist. You want to rule out other conditions such as retinal diseases which also can manifest as only myopia initially. This doctor may then ask if he has any other vision issues such as excessive glare, night vision, etc. Vision is complex and important to get expert adv...

steadyhand

Thanks that makes sense from an insurer’s point of view. That is where I was hoping that SSDI (as I understand it) seems to fall short in providing sufficient replacement income. So the lesson here is to then load up on disability insurance as early in your life as you can before you or anyone devel...

steadyhand

Part of the challenge here are the following. 1) Do we (have to) disclose knowledge about an impending disability (which is not disabling enough yet)? 2) If we do not, can the insurance companies deny coverage later saying we had knowledge of an disabling medical condition. By not disclosing, I woul...

steadyhand

Bumping it back up

steadyhand

I have read many posts here on getting long term disability insurance. I had a question about eligibility and payout. Both me and my spouse are covered at work with basic plan that will replace about 55% of our income upto a limit of $5k pr month (our incomes are high enough to mean hit this ceiling...

steadyhand

Often times the thread starts saying a friend but it could be a family member or themselves. With the latter I mean moving the money to use in a different country and then moving it back later. So it is better to focus on potential hassles than risk as the poster has mentioned.

steadyhand

I do not trust manufacturers who seek $12k below sticker. Makes a mockery of sticker prices and their meaning

Those who know their worth and stick to it are better IMHO.

steadyhand

Toyota RAV4 2019 pre collision works. Once it stopped when I going to go over a ladder in my garage which I wasn’t expecting to be there.

BTW RAV4 does not have an EX trim only a Honda CarV does.

steadyhand

Most likely a clog. Had same issues before when I moved into my house. You can recreate it easily by putting a hose into gutter. If you can reach the elbows, an auger will do the trick or just a thin stick. Remember to hose it down if you can to be sure. Issue comes when some Elbows are unreachable ...

steadyhand

All went well. Ollantaytambo is a fabulous town by itself and has great hiking for at least a day. Also charming cobbled streets and restaurants. Cheaper than AC too. The Inka Express bus to lake Titicaca was also comfortable even though some of the additional guided stops were not. Lake Titicaca is...

steadyhand

Just got two new lanterns and entire assembly. Cost about $230 in all but everything is back to normal. Wish lantern makers were more easily identifiable for future replacements. Thanks all.

steadyhand

If you are ok with Kansas itself, I recall seeing free land on offer in many rural areas.

For example, Marquette KS

http://www.marquettekansas.com/land.html

steadyhand

How likely are you to stay put for the next few years? If not very likely then the cost of refi may be sunk. Something to additionally consider.

steadyhand

Through a local light fixture store found a glass shop. Unfortunately they only do flat glass; mine is a dome shaped and thus has curves. Trying to find the manufacturer and buying replacement glass from them may be easier.

steadyhand

It is plain glass nothing special. Hoping after someone makes such panels I can have them stay in place. Will try these suggestions thanks!

steadyhand

I have two huge outdoor light lanterns on my porch on small posts over stone pillars. During a recent hail storm a lot of glass broke on one of them and fell out in many pieces. The other one is fine. I cannot find any manufacturer name on these lanterns to find a replacement. They are in fine order...

steadyhand

Big Sky near Bozeman Montana is a good mountain resort. Close enough to Yellowstone to be used as a base camp of sorts too, only about 1.5 hrs. Should be within a days drive from Portland easily.

steadyhand

If interested in graduate school later, UM will likely be the better choice for CS as you may get better research experience while a UG student there.

If you want a more generalized degree and will likely never go to graduate school Brown is likely better.

steadyhand

Lenovo Thinkpads aren’t what they used to be. Late model ones have motherboard and other hardware issues. Not sure I will buy again.

steadyhand

+1 for a onyx shower as a solution. We did exactly the same things using a local remodel company. Included a onyx base too. Tore down old tile shower and cleaned up. Cost 10k but no issues since. Some others quoted half the price but I went with the ones that seemed most experienced and knowledgeabl...

steadyhand

I am sold on one too. However, I need help deciding if I should add the pano sunroof option. I never had a car woth those, so wondering if there are any big negatives. I wonder if hail damage will be worse, if heat/cold and rain will be more difficult to keep out due to leaks, and if the shutters ca...

steadyhand

Thanks for the tips. Will see how it goes. Feeling quite prepared at this time; time will tell if that pans out.

steadyhand

Urubamba is close to Ollantaytambo; we are thinking of the latter so that we are close to train to MP. But perhaps there is a easy transfer between these towns. Wondering if there is a easy to tour the entire sacred valley area staying at one of these towns. Most tours seem to originate back in Cusc...

steadyhand

Wanted to add to this thread with an itinerary we plan to take. Hoping previous posters here including the OP who must have completed his/her trip will chime in. We are a family of four (including two 8-9 year old children) planning a visit to Peru in mid June. I would appreciate any feedback on the...

steadyhand

+1 for the RAV4 hybrid. I came to the same conclusion a few months back. Hard to beat its specs. Lexus like reliability, Prius like fuel economy, ample space, high seating position only a CUV can offer and promises 600 miles a tank of gas. Has all the latest safety and driving assist tech to boot. I...

steadyhand

Everything went smoothly in setting up the Fidelity HSA and requesting transfer of assets from Optum. Only question is does one need to liquidate investments at Optum so cash can transfer over? There is a small cash balance in addition to investment. I am sort of worried if only the small cash amoun...

steadyhand

Thanks Qzly. Will post back once done.

steadyhand

This may be a dumb question, but how does one transfer money from Optum to another HSA? I see option to only close the account and receive the money. How does it go to the next HSA without taxes and other penalties? I am thinking Fidelity HSA based on this one thread, but am unsure of what low cost ...

steadyhand

Unfortunately Subaru Eyesight does not yet have lane centering. I have stayed on top of this for many months now. In the non-luxury segment, only Toyota (TSS2.0) and Nisaan (ProPilot Assist) have the best Level 2 steering and braking combination systems. Honda Sensing comes close and has lane center...

steadyhand

We are in the same boat and feel the specs (mpg, cargo space, safety tech,reliability) of the 2019 RAV4 hybrid are hard to beat. However, its look is polarizing and may not appeal to all. More expensive as well at higher trims. If mpg and premium fuel costs and cargo space are not important I would ...

steadyhand

Had a similar issue where a dent was shown at the end of the rental that we had no clue about and a deposit was taken and we directed to a third party claims company. We asked for proof of cost of damages and repair and previous rental agreement so we know dent was not from previous repair. Did not ...

steadyhand

I love the CX-5 too but am holding back only because I feel it’s lane keep assist LKAS is relative primitive. From what I read, it is not true lane centering or lane trace like Nissan ProPilot or Toyota TSSS 2.0 (peer manufacturers/ brands). Anyone know if the 2019 CX-5 has lane centering or lane tr...

steadyhand

2019s are out. Almost zero changes.

steadyhand

I used it about 10 days back and have not seen any fees creep in. What is deducted is exactly the US dollar equivalent of the Euros I took out. Used it at the ATMs in the airports I passed through and some malls. I am not worried about getting money anymore without transaction fees in any country in...

steadyhand

CR has now a video discussion on the oil dilution issue to go along with their previous report.

https://www.youtube.com/watch?v=AqzZm5j1Bl8

steadyhand

We were on the market to buy a crossover and the crv was on top of our list. I would like to thank many on this thread, especially CULater, for making us all aware. There were times I felt this thread was just a lot of noise or fuss over nothing, but now I feel it was all justified. I wish those who...

steadyhand

Same thing happened to me recently where GEICO dropped our umbrella after a weather related accident. I have found another insurance company (Kemper) for all my insurance needs (home, auto, umbrella) through an insurance agent and saved about 25% also in the process. Note that umbrella typically nee...

steadyhand

+1 for Philips Norelco beard trimmer. Holds charge for long time (more than a month), works while pluggedin if needed, cleans under running water. Nothing more I would have wanted.

steadyhand

https://wallethub.com/b/capital-one-360-checking-account-1000348b/ This link states there should be no fees for using the cap1 360 debit card overseas. I did get this checking account a few months back for this purpose; can report back when I travel overseas next month on what I am charge, if there ...

steadyhand

Thanks so much, will try all three.

steadyhand

I have auto with GEICO and home with Liberty Mutual. I also had Umberella with GEICO. Recemtly they dropped our umbrella due to a recent accident (nothing too major, just a car skidding on ice amd getting some cosmetic damage). They are still cheaper for us for home amd auto. Are there any companies...

steadyhand

You can always take some off the table now and keep some to hedge your risks. Since your amount is on the smaller side I would leave it alone. My advise would be to focus more time on increasing your cash flow so you have bigger amounts to invest in the future.

steadyhand

If you do not have the children yet, I would wait. Lot of things can change: jobs, number of kids, wants, housing market.

steadyhand

If it helps, I can share the perspective of the inverse conundrum. A close friend moved from a metro with a population around 500k to another closer to 2 million. He always wanted to go to a much larger city, attracted to to the more amenities it can provide like a bigger and more connected airport,...

steadyhand

Using a Cash Card is not hack, it is in the printed terms of the Cash Card, which are visible on the back of the card. No need to spend $65 or more on a membership, regardless if you shop at Costco rarely or every week. However, you need to buy your first cash card online, or have an existing membe...

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