Search found 187 matches

by crystalbank
Mon Aug 12, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9621

Re: Received a $17,000 medical bill! Can we negotiate?

dm200 wrote:
Mon Aug 12, 2019 1:13 pm
...
The US practice of commonly linking health insurance coverage to employers (to me) makes no sense and, also in my opinion, contributes to the medical/health cost problem.
...
Absolutely. It is also a huge pain for self employed.
by crystalbank
Mon Aug 12, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 13571

Re: [Why did my fund suddenly drop in value?]

Wellington dropped 32% in value ?! This has to be a glitch..
Edit: I see that all balanced funds have dropped..

Logged in to my account and my retirement funds dropped 30% too!
by crystalbank
Thu Aug 08, 2019 3:59 pm
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

I’m still trying to understand mega backdoor Roths, but putting that aside for a moment, I just set up a solo 401(k) at Schwab for my pass-through LLC ( because I plan on doing a backdoor Roth and need to get rid of my IRA) and it was super easy, and they were super helpful by phone. And I’m pretty...
by crystalbank
Thu Aug 08, 2019 3:57 pm
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

Thanks for the extremely detailed response Spirit Rider, much appreciated. I have identified more than a dozen serious errors in MySolo401k.com FAQs. They have also given Boglehead forum members seriously incorrect advice. When confronted by evidence to the contrary from the Internal Revenue Code, I...
by crystalbank
Thu Aug 08, 2019 1:05 pm
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

Are you sure the custom one-participant 401k providers adoption agreement requires you to create an actual trust with an EIN for the trust. The IRS/DOL do not require a one-participant 401k plan which is not an ERISA plan to have an actual trust or post a bond. Only 401k plans with non-spouse emplo...
by crystalbank
Thu Aug 08, 2019 12:53 am
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

Are you sure the custom one-participant 401k providers adoption agreement requires you to create an actual trust with an EIN for the trust. The IRS/DOL do not require a one-participant 401k plan which is not an ERISA plan to have an actual trust or post a bond. Only 401k plans with non-spouse emplo...
by crystalbank
Thu Aug 08, 2019 12:16 am
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

Note, the IRS requires a 401k plan to have a "trustee", but the IRS allows but does not require a one-participant 401k to have an actual trust. However, the provider may require an actual trust. Hi Spirit Rider, Thanks for the response. I'm not quite comfortable with starting a new trust. Who knows...
by crystalbank
Wed Aug 07, 2019 3:02 pm
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Re: Solo401k with TPA for Mega Back Door Roth - Having second thoughts, worth the complexity?

As I understand it, you do not use a TPA to set up a Solo 401k which can do the mega back door. Maybe I'm wrong cause a lot of people are asking questions using the same type of wording that you are using. If I'm wrong, maybe someone can point it out? As I understand this, there is a plan provider ...
by crystalbank
Wed Aug 07, 2019 2:44 pm
Forum: Personal Investments
Topic: Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?
Replies: 12
Views: 517

Solo401k with Plan Provider for Mega Back Door Roth - Having second thoughts, worth the complexity?

Hi All, Currently, have a Solo401k for my S-Corp with Vanguard and we contribute around 34k each (me and spouse, max out wage deferrals) to our 401k. That leaves us with a possibility of 22k each per year for after tax 401k contributions if we setup a 401k with a third party plan provider. But I don...
by crystalbank
Mon Aug 05, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 6958

Re: Swimming, do you? Advice sought.

Started swimming atleast 2x-3x per week starting this year and recently joined an Advanced Swimming Lessons group. The training was immensely helpful especially for strokes other than freestyle. Like OP, I too found swimming at a consistent pace very relaxing and zen like. Eventually I wanna join a ...
by crystalbank
Fri Aug 02, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 207
Views: 9445

Re: Insane to buy a sports car?

Go for the Boxster Spyder! You can always buy a C8 later :D
by crystalbank
Fri Jul 26, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1582

Re: AirBnB asking for govt photo ID verification

Have you read this regarding photo id from Airbnb? https://www.airbnb.com/help/article/1237/how-does-it-work-when-airbnb-asks-for-an-id#what Thank you, informative link. They say they're careful with info to "us and our third-party partners using SSL" (italics mine) What's the concern? With AirBnB ...
by crystalbank
Tue Jul 23, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Alfa Romeo Giulia thoughts
Replies: 21
Views: 1674

Re: Alfa Romeo Giulia thoughts

It seems the base 2.0T Giulia is much more reliable compared to the fire breathing Quadrifoglio. Too bad about the reliability issues because nothing in this class even comes close to the joy of driving it. Even the base trim is so much fun.
by crystalbank
Wed Jul 17, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3606

Re: Apple Watch Worth The $$$?

Get a refurbished one on Amazon. They're pretty cheap.

Having said that I really don't see much use for me personally. Too many gadgets to manage/sync and update. Unless it completely replaces the utility of a phone I don't want to deal with yet another software platform.
by crystalbank
Mon Jun 24, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16557

Re: what was your worst major purchase mine is a 2019 mazda3

Audi TT. Junk trash garbage. Curious about your experience. I currently own a Mk2 TT RS and has been very good so far. What year was it? I'm not sure of the year, around a decade ago. I believe it was the first year that the Dual Clutch Tiptronic transmission was available, and it was the transmiss...
by crystalbank
Mon Jun 24, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16557

Re: what was your worst major purchase? mine is a 2019 mazda3

Mazda 3 is famous for its driving dynamics. It is called poor man's BMW3. Quality wise is not as good a Toyota but still above average. I like the styling of last generation Mazda. It is a shared platform with Ford global C1. Hatchback very much like Porsche Macan. With 6MT and skyactive turbo, it ...
by crystalbank
Mon Jun 24, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16557

Re: what was your worst major purchase mine is a 2019 mazda3

TomatoTomahto wrote:
Fri Jun 21, 2019 3:59 pm
Audi TT. Junk trash garbage.
Curious about your experience. I currently own a Mk2 TT RS and has been very good so far. What year was it?
by crystalbank
Thu Jun 20, 2019 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 37
Views: 4521

Re: Vanguard randomly not reinvesting dividends

This happened to me again this week. Contacted them a few days ago and they apologized for the error and promised to take care of it. Three days later, I still see no changes and the dividends are still in my Federal Money Market Settlement Fund. I need to call them again tomorrow and follow up, whi...
by crystalbank
Wed Jun 19, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6992

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

I lived in both SoCal in the past, moved to Vancouver WA (saved a lot of money) and then decided to move back to SoCal again. End of the day, living closer to family and friends beats everything especially if you can afford the high costs of SoCal. Vancouver WA is not bad, especially bordering Portl...
by crystalbank
Sun Jun 09, 2019 9:13 pm
Forum: Personal Investments
Topic: Deep out of Money Puts and LEAP Puts- What am I overlooking?
Replies: 29
Views: 2509

Re: Deep out of Money Puts and LEAP Puts- What am I overlooking?

I remember reading that Taleb himself thought that this strategy worked so well for him in 1987 (or in those days in general) because of how clueless options markets were back in the day. Today, options are a lot more expensive to buy and Taleb himself seemed to have moved on from this strategy. In ...
by crystalbank
Sun Jun 09, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 14126

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Do it and get it out of your system. Worst case, you'll get hooked and start buying multiple of them and eventually you'll rent out a hangar to put them all, like Leno.

McLaren MP4-12C is a great choice. 570S if you just wanna dip your toes I guess.
by crystalbank
Thu Jun 06, 2019 7:43 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

You know that Wellington fund is a 65:35 stocks to bonds fund right? Simply invest in the same ratios in Fidelity Total Stock Market Index fund (FSKAX) and Fidelity Total Bond Market Index fund (FXNAX) in a 65:35 ratio, and you duplicate the returns of Wellington fund. There is no magic to it See b...
by crystalbank
Thu Jun 06, 2019 6:40 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

Currently, I have a Solo 401k setup with Vanguard and this year I'm looking into moving away from Vanguard to a Solo401k provider that provides the capability to make Mega backdoor roths Can you convert your individual 401K to an individual Roth 401K at Vanguard? I'm not sure. But if I convert i-40...
by crystalbank
Thu Jun 06, 2019 5:00 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

Ok, just contacted Fidelity rep. Good news is that I can continue to invest in the Wellington Fund. But bad news is that I need to pay $75 transaction fee. Tough call! Dividends will be reinvested without incurring fees though. I've taken that fee hit at Schwab and Fidelity for buying Vanguard fund...
by crystalbank
Thu Jun 06, 2019 4:43 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

Ok, just contacted Fidelity rep. Good news is that I can continue to invest in the Wellington Fund. But bad news is that I need to pay $75 transaction fee.
Tough call!

Dividends will be reinvested without incurring fees though.
by crystalbank
Thu Jun 06, 2019 4:15 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Re: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

When I am on Fidelity's website, Wellington comes up as a transaction fee fund ($75) and closed to new investors. I'd call Fidelity and ask if you'll be allowed to purchase more if you bring in shares, or will they even reinvest dividends/cap gains for you. If you can purchase more, it will be $75 ...
by crystalbank
Thu Jun 06, 2019 2:23 pm
Forum: Personal Investments
Topic: Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity
Replies: 12
Views: 1075

Can I Keep Investing in Vanguard Wellington Even After Rolling Over to Fidelity

Hi all, Currently, I have a Solo 401k setup with Vanguard and this year I'm looking into moving away from Vanguard to a Solo401k provider that provides the capability to make Mega backdoor roths (eg DiscountSolo401k etc, still looking). It seems most of them setup their accounts with Fidelity which ...
by crystalbank
Tue Jun 04, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 37
Views: 2292

Re: Any Mint Mobile customers here?

Me and my wife have it. It works decent enough and pretty much same coverage area as T-Mobile.
by crystalbank
Sat Jun 01, 2019 1:40 pm
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 10
Views: 1008

Any Los Angeles area chapters?

Hi BHers,

I'm curious if there are any LA area chapters. I couldn't find any but it'll be great to have one.
by crystalbank
Fri May 17, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7410

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

I have always leaned toward larger vehicles for the safety factor. My ideal crumple zone is the other guy who hits me. :happy Or you hit them. It's a 50-50 chance. Instead of 2 people in a hospital for a week, you have one walking away and one dead. Interesting point. I'm curious if there are any s...
by crystalbank
Fri May 17, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7410

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

You'll get used to the smaller car. It's a tragedy that vehicle shopping turned into an arms race. At this rate, soon we'll all be driving tankers for perceived 'safety'. The CUVs are usually just hatchbacks on stilts with body cladding and I'd be surprised if they have more safety benefits compared...
by crystalbank
Thu May 09, 2019 12:30 pm
Forum: Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 41
Views: 9935

Re: Wellington Fund: where is the special sauce?

Wellington is 65% value oriented equities and 35% bonds. I think it tracks very close to 65% US Value Index Fund and 35% Long Term Treasury Index Fund. Take a look. 65% VVIAX and 35% VUSTX . https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2...
by crystalbank
Wed May 08, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4007

Re: Undergrad major in Economics or Finance?

Thanks again everyone for the responses. I will talk to him tomorrow and let him know about the various responses given by you guys. Looks like Finance beat out Econ overwhelmingly..
by crystalbank
Wed May 08, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4007

Re: Undergrad major in Economics or Finance?

My fiancé teaches at Penn St. Behrend (Erie) at the Black School of Business. He teaches the senior capstone classes and gets all the majors in economics, finance, business, marketing, etc... He also consults with businesses in strategic leadership. He says finance. Thanks for the response. He's cu...
by crystalbank
Wed May 08, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: I have a car problem - $100K+ Cars
Replies: 48
Views: 6921

Re: I have a car problem - $100K+ Cars

... I'm surprised the R8 manuals (esp. V10) are as low as they are. Practically no premium vs. even the shoddy earlier single-clutch R-tronic. ... Audi's historically never had a 'premium' for their desirable models. Even the legendary Audi Quattro only recently spiked in value. But relatively, it'...
by crystalbank
Wed May 08, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4007

Re: Undergrad major in Economics or Finance?

delamer wrote:
Wed May 08, 2019 12:38 pm
What type of grad studies?

And what type of career?
From what I gather, he's thinking about doing an MBA. As for career, I don't think he has any idea yet.
by crystalbank
Wed May 08, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4007

Undergrad major in Economics or Finance?

Asking for a relative, he is currently doing his Undergraduate studies in Penn State. He seems to have trouble deciding between B.S. Econ major (College of Liberal Arts in Penn State) or Finance major (Smeal College of Business Penn State). He was initially set on majoring in Economics, but a number...
by crystalbank
Tue May 07, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 36
Views: 3700

Re: SWAN ETF - 10% Leaps / 90% Treasuries

Plain and Simple wrote:
Tue May 07, 2019 11:34 am
I am surprised that nobody has mentioned Zvi Bodie. He has published extensively on this type of strategy.
Yes. I did read Zvi Bodie's books on this topic. Very well written but I've since found out that the author himself doesn't follow the strategy he advocates.
by crystalbank
Mon May 06, 2019 1:20 pm
Forum: Personal Investments
Topic: Sell Muni bonds when moving out of state?
Replies: 5
Views: 467

Re: Sell Muni bonds when moving out of state?

If Capital Gains are minimal, I would sell it and buy a National Muni Fund. Not only you get better yields but also more exposure and diversification.
by crystalbank
Fri May 03, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Alka Seltzer Tablets but without medication?
Replies: 12
Views: 1437

Re: Alka Seltzer Tablets but without medication?

You might try "Nuun" tablets. Popular with cyclists, runners, and others. It's sort of a sports drink in a tablet that fizzles when you drop it in water. Various flavors, not sure if there's a plain. They aren't super carbonated but similar to Alka seltzer without the medicine. +1 on Nuun, tasty an...
by crystalbank
Tue Apr 30, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Alka Seltzer Tablets but without medication?
Replies: 12
Views: 1437

Re: Alka Seltzer Tablets but without medication?

Do you want carbonated water, or club soda? If the latter, acid (vinegar) and baking soda will do the trick: https://www.splendidtable.org/recipes/no-fermentation-soda If you want carbonated water with no bicarbonate in it, invest in a CO2 tank and gauge for homebrew, and then an adapter that allow...
by crystalbank
Tue Apr 30, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6448

Re: out of network emergency visits. Huge bill!!!

There are too many urgent care centers now. They have popped up here like mushrooms. The "other countries" referred to here would not have such a choice . You would only go to the hospital. So here we have choices. It is tough that not all of them are in network. Due diligence is paramount. Just as...
by crystalbank
Tue Apr 30, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Alka Seltzer Tablets but without medication?
Replies: 12
Views: 1437

Alka Seltzer Tablets but without medication?

I like drinking seltzer water but I don't like making my own using a Sodastream (never get the right amount of carbonation). I could buy a lot of seltzer bottles from the store, but I feel guilty throwing away so many bottles into trash every week (recycling, but still). I'm curious if there are any...
by crystalbank
Tue Apr 30, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6448

Re: out of network emergency visits. Huge bill!!!

trustquestioner wrote:
Mon Apr 29, 2019 9:14 pm
Health care in this country is absolutely insane. If this had happened to you in literally any other country with safe drinking water you wouldn’t have anything to worry about.

Sorry, OP.
+1. For those of you suggesting that OP should've done his homework beforehand, I don't know what to say.
by crystalbank
Sun Apr 28, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: The wisdom of prepaying notes (car, home, etc.)
Replies: 38
Views: 2841

Re: The wisdom of prepaying notes (car, home, etc.)

Like may users already suggested, I would payoff the car loan faster than the mortgage. But looks like you have everything else under control so it's upto your personal preference if you want to pay'em off or not.
by crystalbank
Mon Apr 22, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5461

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I'd setup a Ubiquiti UniFi Wireless AP. They're a little bit more complicated to setup than regular consumer routers and they don't have a router built-in, just a really strong Wireless AP. They're designed for enterprise use, so they work incredibly well in multiple units. Since they don't have ro...
by crystalbank
Mon Apr 22, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5461

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I'd setup a Ubiquiti UniFi Wireless AP. They're a little bit more complicated to setup than regular consumer routers and they don't have a router built-in, just a really strong Wireless AP. They're designed for enterprise use, so they work incredibly well in multiple units. Since they don't have rou...
by crystalbank
Mon Apr 22, 2019 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Deductions for California State Taxes
Replies: 7
Views: 1134

Re: Deductions for California State Taxes

I don't think you can deduct QBI from CA taxes. I don't know about SE taxes though.
by crystalbank
Thu Apr 18, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3904
Views: 1118335

Re: What Book Are You Currently Reading? Part VI

Just finished reading The Trap by Sir James Goldsmith, an English billionaire. Even though the book is written in 1994, it's remarkable how prescient the author had been about many issues affecting the world today (Globalization, wage squeeze, Eurozone, Brexit, GMOs, Industrialized Agriculture etc)....
by crystalbank
Thu Apr 18, 2019 12:51 am
Forum: Personal Consumer Issues
Topic: AC went kaput, Sketchy quotes. Time to think Geothermal?
Replies: 19
Views: 2328

Re: AC went kaput, Sketchy quotes. Time to think Geothermal?

Just giving an update, finally after atleast 10 HVAC quotes and multiple technicians, I'm back to the first technician and decided to just replace the AC condenser unit, change everything to R410a and clean the furnace thoroughly. The furnace seemed to be in good condition and I hope I can ride it o...