Search found 78 matches

by Cunobelinus
Sun Sep 24, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 35
Views: 1863

Re: Thoughts on Barefoot/Minimalist Running

I'd echo what IowaFarmBoy wrote above. I did a little bit of barefoot running in high school, but did most of my running outside of races in regular, cushioned running shoes. Racing flats or spikes were likely my first introduction to the zero-drop/near zero-drop running shoes. I still see all sorts...
by Cunobelinus
Tue Sep 19, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 1950

Re: Military: Investing a Windfall in Expensive Market?

Don't be afraid of debt. If someone offered me a loan with an interest rate of 0.75% I would borrow as much as they would lend me. I did. And it was worthwhile -- I invested most of it and made more than 0.75% return after taxes. After 3 years or so of "debt" gnawing at me, I elected to pay it off ...
by Cunobelinus
Tue Sep 19, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 1950

Re: Military: Investing a Windfall in Expensive Market?

Logically: throw it promptly into your index fund/ETF of choice -- the one that complements your TSP and IRA in terms of asset allocation, and then continue automatically contributing to your TSP and taxable accounts and let 'em ride. (alternate option: DCA your lump sum if you're particularly conce...
by Cunobelinus
Sun Sep 10, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37631

Re: Equifax customer information leak

To the question of whether the unique ID for access to frozen accounts might have been included in the breach, the Brian Krebs web site suggests a tentative "no". Several readers who have taken my advice and placed security freezes (also called a credit freeze) on their file with Equifax have writt...
by Cunobelinus
Sat Sep 09, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10856

Re: Anyone else freeze their credit score?

Just froze Experian, TransUnion and Equifax this morning and there was no charge. Does this mean my credit has been breached? No, it does not. Looking about on the internet will show you that your state very likely has legislated to prevent them from charging you money to prevent them from selling ...
by Cunobelinus
Tue Aug 01, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6094

Re: DIY Radiant Barrier in attic?

Purely anecdotal: when I installed a radiant barrier in my attic, it was substantially cooler as I was laying beneath the mylar during the installation. At the same time, we had a whole house fan installed and two additional vents put into the attic to support the mass flow rate of the house fan (dr...
by Cunobelinus
Thu Jun 01, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3516

Re: Dealing with Impatience reaching financial goals

I don't actually tally up all the various accounts but two or three times per year. The multiple layers of security (password manager, two-factor authentication, locked down browsers, and a wife who always takes the computer away from me) make it too onerous for me to actually check how much is in e...
by Cunobelinus
Thu May 18, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14149

Re: For those with $500k-$1m in investments...

Excluding the emergency fund, it's 7% taxable and 93% tax deferred. Mid 40s. We max out retirement accounts and add 200-300/month to a tax efficient stock fund in a taxable account. I think people with a large % in taxable will be in one of several camps: 1 Received inheritance/windfall (stock opti...
by Cunobelinus
Mon May 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 4975

Re: USAA 2.5% unlimited Cash back Card - Weird...

I wrote again to USAA to document my issue(s). In short, I applied the first time and they repeatedly told me to unfreeze with the wrong credit bureau. That application lapsed because I had to apply for a new pin from Transunion and that was the only bureau they stated they could use. A month later ...
by Cunobelinus
Sat Apr 29, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: How does dental insurance work (for you)?
Replies: 4
Views: 877

Re: How does dental insurance work (for you)?

Some people make mistakes. Some more than others. A dental practice is a business. A dentist makes money from performing operations: extraction, crowns, root canals, fillings, etc. As this is a business, a dentist's staff may be pushing more expensive items (e.g, a composite filling, aka white filli...
by Cunobelinus
Thu Apr 27, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 4975

Re: USAA 2.5% unlimited Cash back Card - Weird...

I'm trying again. I've been with USAA for 11 or 12 years and there are some frustrating things with customer service that pop up every now and then, but it's not worth closing out everything. What I found the most frustrating thing was that there was no way that I found to provide feedback to the p...
by Cunobelinus
Thu Apr 27, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 4975

Re: USAA 2.5% unlimited Cash back Card - Weird...

azanon wrote:Wolfgang are you using 2 different accounts (also cunobelinus)? I can't tell for sure if this is two different complaints or the same person.


Perhaps the same complaint, but two different people. =)
by Cunobelinus
Thu Apr 27, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 4975

Re: USAA 2.5% unlimited Cash back Card - Weird...

I'm trying again. I've been with USAA for 11 or 12 years and there are some frustrating things with customer service that pop up every now and then, but it's not worth closing out everything. What I found the most frustrating thing was that there was no way that I found to provide feedback to the pr...
by Cunobelinus
Wed Apr 26, 2017 2:37 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 4975

Re: USAA 2.5% unlimited Cash back Card - Weird...

They did screw up. The first lady I spoke with didn't know and told me that I should unfreeze them all. I then spoke with someone else, who referred me to loans department, who (incorrectly and confidently) explained that it was Experian. So, I unfroze Experian and called back the next day, where th...
by Cunobelinus
Tue Apr 18, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2974

Re: How to be a good parent to an introverted kid

Anyone else have kids like this? Any advice? Should I continue to push him to go outside his comfort zone, invite kids over, chat with other kids. Or just leave it be and let him be himself without calling attention to something to where he thinks he has a problem. I'm assuming as kids get older, t...
by Cunobelinus
Sun Apr 16, 2017 6:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3254

Re: Hawaii Bogleheads, where are you?

Cunobelinus wrote:Kailua here -- the O'ahu one.

Looks like we're mostly on O'ahu.


That comment looks dumb in retrospect -- everyone who has responded lives on O'ahu. I recall seeing some posts from the other islands in the past few years though.
by Cunobelinus
Sun Apr 16, 2017 6:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3254

Re: Hawaii Bogleheads, where are you?

Kailua here -- the O'ahu one.

Looks like we're mostly on O'ahu.
by Cunobelinus
Wed Feb 22, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8352

Re: Which puppy to buy: golden retriever or labrador retriever?

Neither. You don't need to buy a dog, dogs are free other than maybe an adoption fee. Supply much much greater than demand, unfortunately. +2 Please reconsider adopting a pet from the shelter. I agree wholeheartedly. There are many dogs available in the shelter who are perfectly capable of loving a...
by Cunobelinus
Wed Feb 01, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2900

Re: what do you do to avoid the advertising noise?

I use multiple browsers. Each browser has a specific role and function that works for me: 1) Safari: Logged in to Facebook and other SM profiles. Also used for checking financial accounts and various Apple/iCloud services. Default search engine here is DuckDuckGo, will only use Google if I want to ...
by Cunobelinus
Wed Feb 01, 2017 12:24 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2900

Re: what do you do to avoid the advertising noise?

But they literally pay for the content you consume. Before the web became what it is now, there were few if any ads since a lot of people had free content they wanted to share. When corporations became involved with the web, it became a totally different culture. Even websites that were commercial ...
by Cunobelinus
Sat Jan 28, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 6824

Re: Volunteering Ideas

So there's been 40+ responses and I don't think anyone's yet mentioned volunteering at the local humane society. I've found this to be tremendously rewarding. I've thought about doing this and am curious what kind of volunteer work you do and whether it's directly connected to the animal adoption o...
by Cunobelinus
Fri Jan 27, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 34669

Re: USAA 2.5% Cash Back Credit Card

sunny_socal wrote:Official list: AL, AZ, CO, GA, HI, ID, IL, IN, KS, LA, MI, NM, NV, NY, PA, RI, SC, TN, TX and WA

My credit is frozen, but I would gladly unfreeze to get this card! :beer


My address is in HI, I chose HI when prompted, and it is not offered.
by Cunobelinus
Fri Jan 13, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3238

Re: Trip to Kona, Hawaii - Suggestions

Try the tour at Kona Brewing Company, you get a good amount of sample beers at the end. Most of my other suggestions have already been said. Also try going to Kaimu Beach Park area and walk along the lava fields. Try doing a kayak/boat trip out to see lava rolling into the water too if its still do...
by Cunobelinus
Fri Jan 13, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3238

Re: Trip to Kona, Hawaii - Suggestions

Right in Kailua-Kona, there are two scuba diving companies that I've gone with several times and been quite happy: Kona Honu (day dives and manta ray diving) and Jack's Diving Locker for the blackwater/pelagic dive at night. The blackwater/pelagic dive isn't for the faint of heart, but it's certainl...
by Cunobelinus
Fri Jan 13, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3238

Re: Trip to Kona, Hawaii - Suggestions

Just sayin... wrote:If you've got asthma, be aware of VOG: http://www.konaweb.com/vog/

It's real and forced us to end our vacation on Kona early, two years ago.



It's pretty voggy here on Oahu at the moment. People say allergy medicine works for them. Vog just gives me a headache.
by Cunobelinus
Fri Jan 13, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Sonicare ToothBrush
Replies: 35
Views: 3938

Re: Sonicare ToothBrush

I've had my Sonicare for two years. Before that, I had an Oral-B for about 4 years before it required a recharge in between each use. My wife is a dental hygienist and has used her Sonicare for maybe 4 or 5 years and it's still going strong. The majority of her dental hygiene friends use Sonicare's,...
by Cunobelinus
Tue Jan 10, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4525

Re: The funk - gym clothes

I prefer to hang-dry my clothes, but ever since I got married, I have to use the dryer more often. I read somewhere a few years back that synthetic fibers are able to host more odor-causing bacteria and frequently weren't killed in the dryer. The article recommended hang-drying clothes (as several o...
by Cunobelinus
Sun Oct 23, 2016 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Should Bogleheads start a Kiva Group? (Team Now Formed)
Replies: 50
Views: 6794

Re: Should Bogleheads start a Kiva Group? (Team Now Formed)

Requested to join the Boglehead group. Been automagically sending money to Kiva for specific automagic loans for the past 5 or 6 years now.. figured why not raise Boglehead awareness across the globe?
by Cunobelinus
Tue May 31, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 72
Views: 6372

Re: Things to Do and See on Kauai, Hawaii

Kauai is my favorite island out here. Any of the above recommendations are spot on. The only thing I haven't seen listed so far is The Feral Pig (restaurant), near the airport in Lihue, serves up locally sourced feral pigs when available. The rest of the food is quite good too. Hanakapi'ai Falls on ...
by Cunobelinus
Thu May 26, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 3100

Re: Running in new pair of shoes

If I read it right your assertion implies that running barefoot at race pace on paved surfaces (concrete/asphalt) is no worse and potential better for your body than using a cushioned training shoe. That makes sense as long as you don't actually think about it...."just for accuracy"?...pu...
by Cunobelinus
Thu May 26, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 3100

Re: Running in new pair of shoes

Much like politics, there's people on both sides of the fence on the running shoe (or shoeless) debate. That's not germane to this question. My $0.02: it's generally not advisable to change up things on race day. Whether it's diet, shoes, outfits -- it doesn't matter. You've spent time training in t...
by Cunobelinus
Thu May 26, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 10147

Re: How do Bogleheads TRAVEL?

> How do you book travel: all-inclusive packages or piecemeal? > How do you book flights: cheapest available on kayak or with specific airlines based on loyalty/credit card programs? > How do you get around: rent cars vs public transit vs uber/taxi? > Where do you sleep: fairest price on hotels.com...
by Cunobelinus
Thu May 26, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: One Day In Lima Peru - What to Do ?
Replies: 10
Views: 1090

Re: One Day In Lima Peru - What to Do ?

Miraflores and la Plaza de Armas are worthwhile for a day and are safe to walk around*. We used the Free Walking Tours**. Lima was the least desirable part of a two-week trip through Peru where my wife and I spent the majority of our time in Cuzco and the jungle. Lima does have some fantastically fa...
by Cunobelinus
Tue Oct 20, 2015 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Military pilot looking for a vector
Replies: 28
Views: 4522

Re: Military pilot looking for a vector

Prioritizing your "emergency" fund is a good idea. As long as you and your spouse are honest with each other, that "emergency" fund can take one or several different forms. It can be a dedicated savings/money market account, and/or a bond fund, and/or a Roth IRA or Roth TSP accou...
by Cunobelinus
Thu Oct 15, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 8374

Re: Bicycle commuting

For a couple of years, I biked about 22 miles round trip to work a few times a week. Definitely agree with the sentiment that any money saved on gas is spent on food. I was ravenously hungry any day I biked to work. I would ride slower on the way home and deliberately take side roads for the scenery...
by Cunobelinus
Wed Oct 14, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; "Should I stay or should I go now?"
Replies: 61
Views: 10768

Re: Military Retirement; "Should I stay or should I go now?"

Removed. I was tired when initially writing it, and I do not think it was appropriate to post those tired sentiments.
by Cunobelinus
Sat Sep 12, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6094

Re: DIY Radiant Barrier in attic?

I just put some plywood "flooring" down in the attic and then put up a radiant barrier product in about a quarter of the attic. Nothing quantitative here, but it felt like I was laying in the shade under a tree when I was underneath the radiant barrier and stapling it to the roof. It was c...
by Cunobelinus
Sat Sep 12, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 15573

Re: What are your best time-savers?

I could not disagree more with the statements about talking on the phone while driving. It's personal for me -- I spent many years taking a bicycle or motorcycle to work and had many near misses and a few not-so-near misses due to driver inattention (i.e., talking on cell phones, texting, or reading...
by Cunobelinus
Wed Sep 09, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 65326

Re: Question for the Bogleheads Millionaires

Though I am not qualified to answer this question (net worth <1M), I can share what I have done to date to be on the right path. I'm 30 fairly recently married, and even more recently the owner of a house in a high COLA area. Aside from the mortgage, I'm probably in the ~$500k range. I check once a ...
by Cunobelinus
Thu Aug 27, 2015 12:33 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 8472

Re: Floss aversion

My favorite floss is whatever is available. That's my most Bogleheadish response. My wife is a dental hygienist and has her favorite, so I get tossed all the extra free samples that the various sales reps promote. In the end, flossing regularly is what is important. I used to have a waterpik, but I ...
by Cunobelinus
Tue Aug 25, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 41607

Re: The Bogleheads' Silent Majority

As of earlier this morning (8/24/2015) we had 44,632 registered members. Of those, a total of 27,340 had 5 or less posts, including 10,332 members with a total of "zero" posts--over 20 percent of forum members with zero posts, that's a lot of zeros. Is this quiet group doing much better (...
by Cunobelinus
Wed Sep 11, 2013 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: We have the money—now what? Real estate?
Replies: 31
Views: 4631

Re: We have the money—now what? Real estate?

Hold out till that Japanese guy sells his dilapidated homes in Kahala.* Moving out of Hawaii isn't an option...* I'd give the standard advice to look at a basic three-fund portfolio.# I assume your kids are going to private school already.* *based on 808, assuming you live in the islands. #applies t...
by Cunobelinus
Fri Aug 16, 2013 5:19 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 9578

Re: USAA disappoints!

I don't want to be the USAA defender, and I appreciate all the experiences shared here, but note that I've had better service fromUSAA than any other bank I've used. This includes qick action on identity theft and an unbeatable car rental insurance for members residing abroad while visiting the US....
by Cunobelinus
Wed Jul 24, 2013 7:35 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 12817

Re: Really hard to avoid "Keeping up with the Joneses"!

"I am not them." That's how I deal with it. It seems like more of a psychological thing that you're going to have to deal with. I didn't grow up with much. Life was more about the experiences than the material things. A vacation was going camping up in the mountains, not spending time in t...
by Cunobelinus
Wed May 29, 2013 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Assuming you do the right thing and max out for retirement
Replies: 12
Views: 1598

Re: Assuming you do the right thing and max out for retireme

I use http://www.hughchou.org/calc/drip.php It gives me pleasing numbers when I look at reinvestment over the long term. I don't know much about Backdoor Roths or HSAs, so here's the numbers for (just about) maxing out a 401k ($17,500) and an IRA ($5,500) each year for forty years. I assume that the...
by Cunobelinus
Mon May 27, 2013 1:29 am
Forum: Personal Consumer Issues
Topic: Laptop Recommendation?
Replies: 50
Views: 6171

Re: Laptop Recommendation?

I used my 12" PowerBook Pro exclusively from 2005 till 2012, when I upgraded to a refurbished 15" Macbook Pro. I still use my PowerBook as a VPN host, a media server, and a network storage device (with an external hard drive attached). My parents and my fiancee have each gone through 2 or ...
by Cunobelinus
Fri May 24, 2013 2:33 am
Forum: Personal Consumer Issues
Topic: Unbridled Consumerism?
Replies: 28
Views: 3646

Re: Unbridled Consumerism?

ooops, forgot to add farmers markets: sometimes the offerings are so far above what I can find at the grocery store, I just hand over the cash, no questions...lol. BFG This is definitely my biggest "I don't care" expense. I honestly have no idea how much money I spend at one of the weekly...
by Cunobelinus
Thu May 23, 2013 3:36 am
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 4697

Re: Runners Knee...new shoes, orthodics, what?

I do run on concrete which I know isn't optimal, but running on a track or treadmill isn't an option. I run with my dog! How are your dog's paws doing on the concrete? Dogs' paws will adapt, just as human's feet will adapt. Callouses are good. I live in an area with a lot of sunlight and very warm ...
by Cunobelinus
Thu May 23, 2013 3:30 am
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads! I'm seeking some sound advice and insights.
Replies: 9
Views: 702

Re: Hi Bogleheads! I'm seeking some sound advice and insight

I, personally, would opt for a lazy portfolio: 33% TSM, 33% TISM, 33% TBM, 1% madness. If she is looking to enjoy the profits of this in the next few years, just leave the gains in a brokerage account uninvested. It doesn't sound like she needs the money, so having a higher risk (66% equities, 33% b...
by Cunobelinus
Thu May 23, 2013 2:56 am
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 4697

Re: Runners Knee...new shoes, orthodics, what?

Shoes and orthotics aside, consider taking a few weeks off from running and start a physical therapy routine to strengthen the the muscles in the hips, legs, and your core.. and consider some dedicated stretching. Runnersworld.com has many good videos for short workouts that target core/hip/leg musc...