Search found 155 matches

by boglesmind
Thu Aug 09, 2018 2:16 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4664

Re: If it were March, 2000, would you still allocate 50% to Stocks?

I just wish that the OP of this thread and the OP of the thread about why ever own a bond could get into the octagon and work it out. I would prefer the thunderdome. Except two men enter, none leave. +1. There are well-meaning folks trying to educate an yet another market timer who refuses to be ed...
by boglesmind
Wed Aug 01, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Calculating Bond Risk - Allan Roth
Replies: 1
Views: 302

Re: Calculating Bond Risk - Allan Roth

Allan Roth provides a helpful explanation and caluclation of Bond ETF Interest Rate Risk in his August newsletter. http://www.etf.com/sections/index-investor-corner/framing-bond-etf-interest-rate-risk?nopaging=1 Intermediate-term rates finally ticked up and, unsurprisingly, bonds lost money. It's i...
by boglesmind
Mon Jul 30, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4680

Re: SocialSecurity.tools updated to include spousal benefits

Tested it and found that the calculations match www.ssa.gov numbers for self and spouse. The detailed explanation is excellent. Kudos to the author and all those who helped! Feature request: Since SSA gov website lags 6 months to a year in updating last year earnings, let the user input the last yea...
by boglesmind
Thu Jul 19, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 7779

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I am another happy, long term holder of Vg Tax-Managed Small Cap (VTMSX). Curious how others feel about it. Does the S&P 600 index methodology give it an edge over other indices? I sure hope Vanguard keeps this fund around and does not merge it with the CRSP-based Small Cap Index fund. Love it and p...
by boglesmind
Sat Jun 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 31951

Re: Concierge medicine Worth It????

We are seeing the finalization of the 2-tier healthcare system that has been in progress for years. The future will be 2 different healthcare settings: one where patients are shuffled through as quickly as possible like cattle to maximize the number of patients seen while providing the minimal stan...
by boglesmind
Thu Mar 29, 2018 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 22053

Re: A lot of heavy hitters this morning

No matter what your position, if you are on this board, you are probably in the 1% of Americans. Comparison is the thief of joy I hear, but there is always someone who has more, and there are definitely a lot of folks who have a lot less. Be grateful, work hard, and invest early and often. +1 The r...
by boglesmind
Thu Mar 08, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28017

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

just like last year..... log on within a day or two after announcement and find tickets sold out. can i please just buy a ticket to 2019 so this doesn't happen for a third year in a row to me Seeing this happen year after year, I wonder about the reasons for not increasing significantly (say 50% or...
by boglesmind
Sun Mar 04, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 5115

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

I have $453,639 in a tax-deferred IRA at Fidelity managed by a FA who charges a 1%, I listed all the investments below. Sooo it is the same concept, I am paying too many fees at Fidelity too. Finally getting it, not sure what took so long. I was hoping the folks on this board could weigh in on what...
by boglesmind
Sat Mar 03, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 5115

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

I have $453,639 in a tax-deferred IRA at Fidelity managed by a FA who charges a 1%, I listed all the investments below. Sooo it is the same concept, I am paying too many fees at Fidelity too. Finally getting it, not sure what took so long. I was hoping the folks on this board could weigh in on what...
by boglesmind
Fri Mar 02, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 6263

Re: Letter from Social Security re Fraudulent Claim

If you haven't already, register for online access to www.ssa.gov This gives you online access to your SSA account, whether or not you started benefits. It gives you access to your (future) benefit letter, which you can generate any time. It will also help you determine whether someone else has reg...
by boglesmind
Thu Mar 01, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Investors Wanted. No Experience Necessary
Replies: 20
Views: 2896

Re: Investors Wanted. No Experience Necessary

Some threads such as this appear to be just noise. Moderators please take note.

Boglesmind
by boglesmind
Wed Feb 28, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving EJ- can i pull this off?
Replies: 38
Views: 3231

Re: Leaving EJ- can i pull this off?

Thanks for the specificity regarding the custodian to custodian transfer I am wanting for the IRAs. It's discouraging to hear Vanguard is not in a great place to handle this. I will explore my options at Fidelity and Schwab, as I understand they may be willing to pay account closure fees at EJ. I t...
by boglesmind
Wed Feb 28, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about early inheritance from abroad
Replies: 7
Views: 718

Re: Questions about early inheritance from abroad

An easy way to do it would be for her to pay off your mortgage if applicable. Wiring the money would be quick but there may be limits and fees. Sounds like your Western Union idea has a $5k limit. You may ask at your bank and her bank. OFX looks like a good service: https://www.nerdwallet.com/blog/...
by boglesmind
Wed Feb 28, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5481

Re: What age is too old to stop hostelling?

DrGoogle2017 wrote:
Wed Feb 28, 2018 7:09 pm
There are a lot of cheap hotels in Europe. There is no need to stay in hostels unless you want to.
How do you find the cheap but good quality hotels in Europe? Not thru expedia.com, hotels.com etc.
Any pointers?

Boglesmind
by boglesmind
Wed Feb 28, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3255

Re: VWIUX vs VBTLX in 24% tax bracket

Keep in mind if you are drawing SS it's likely the normally tax free dividends on VWIUX will not be tax free and thus makes this a less desirable investment. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AGI, hence there is more room for QDI and capi...
by boglesmind
Wed Feb 28, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 306
Views: 43084

Re: Good Modern Science Fiction

A friend referred me to HPMOR, a fan fiction that was serialized on the web and now available at "Harry Potter and the Methods of Rationality" . It is a looong read and I persisted with it. Liked it very much. David Brin, a sci-fi author and a favorite of many Bogleheads, describes the reasons for r...
by boglesmind
Tue Feb 27, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1594

Re: Thoughts on an ESPP with 2 year contribution period?

I am currently sitting on a ~30% loss after discount on ESPP shares that required a 1 year vest. 2 years is a long time. Dont forget that you have to pay the taxes up front on the theoretical gain that you won't be able to realize for 2 years. In the end the taxes are a wash but I'm quite sure that...
by boglesmind
Tue Feb 27, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best Available 2018 tax estimator
Replies: 44
Views: 8049

Re: Best Available 2018 tax estimator

I'm trying to work out my budget for 2018 that will likely include some one-off expenses. I'm in retirement now so I want to figure out how to space out these expenses, likely to be paid for from highly appreciated stock or IRAs so as to not get into higher tax brackets. So to do this I need a good...
by boglesmind
Tue Feb 27, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best Available 2018 tax estimator
Replies: 44
Views: 8049

Re: Best Available 2018 tax estimator

I'm trying to work out my budget for 2018 that will likely include some one-off expenses. I'm in retirement now so I want to figure out how to space out these expenses, likely to be paid for from highly appreciated stock or IRAs so as to not get into higher tax brackets. So to do this I need a good...
by boglesmind
Tue Feb 27, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Bubbles Everywhere
Replies: 41
Views: 7120

Re: Bubbles Everywhere

Todd says a lot of the same things (and says them multiple times) that other financial analysts are spouting: 1) markets are over-valued, 2) high valuations impact almost every asset class, and 3) a correction is coming (sometime). He just puts more top spin on his prediction for the size of the co...
by boglesmind
Tue Feb 27, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion
Replies: 18
Views: 3161

Re: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion

Investors are cutting their exposure to equities, and they have been for years. How is this possible? Every share sold is a share bought. Is it a buyback phenomenon? Is it that there are less equity investors but larger holdings per individual? How does this concept of "flows" really work? What abo...
by boglesmind
Tue Feb 27, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9824

Re: Tax reform SALT affecting in Bay Area?

People with large SALT were typically hit by AMT, so the impact of the SALT deduction changes isn't really as significant and widespread as one would think. Simply not true. I have only ever paid AMT once in 22 years due to a generous severance package - and got it all refunded the next year. He di...
by boglesmind
Tue Feb 27, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9090

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Indemnity vs Managed Care Interesting Summary/Comparison. http://www.agencyinfo.net/iv/medical/types/indemnity-managed.htm j :D Looks like the comparison does disservice to folks who want to really compare and understand the differences. Indemnity plans are not "health insurance plans", do not have...
by boglesmind
Tue Feb 27, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3255

Re: VWIUX vs VBTLX in 24% tax bracket

Up to 85% of Social Security benefits may be taxed if half of an individual’s benefit plus their income – including tax-exempt interest – exceeds $34,000 for individuals or $44,000 for married couples. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AG...
by boglesmind
Tue Feb 27, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3255

Re: VWIUX vs VBTLX in 24% tax bracket

Up to 85% of Social Security benefits may be taxed if half of an individual’s benefit plus their income – including tax-exempt interest – exceeds $34,000 for individuals or $44,000 for married couples. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AG...
by boglesmind
Tue Feb 27, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9090

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Indemnity vs Managed Care Interesting Summary/Comparison. http://www.agencyinfo.net/iv/medical/types/indemnity-managed.htm j :D Looks like the comparison does disservice to folks who want to really compare and understand the differences. Indemnity plans are not "health insurance plans", do not have...
by boglesmind
Tue Feb 27, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9090

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Original Post>> Couple: Age 64 Residence: Arizona Medical Insurance: ACA - Blue Cross Blue Shield of Arizona (only one available) "Silver Plan" Monthly payment with ACA "subsidy" $484 Monthly payment if without ACA "subsidy" $3,053.28 Medical Bills for 2017: less than $20,000 (if no medical insuran...
by boglesmind
Sun Feb 18, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Include 1099R for direct rollover in 2017 1040?
Replies: 8
Views: 537

Re: Include 1099R for direct rollover in 2017 1040?

PriceOfFreedom,
Turbotax will print "ROLLOVER" next to 15b or 16b (as the case may be). As others have suggested, do include/report 1099-R in your 2017 form 1040.

Boglesmind
by boglesmind
Fri Feb 09, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 7966

Re: I didn't tax-loss harvest this month, did you?

TLH: Sold CA Intermediate term tax-exempt fund VCADX and bought National intermediate term tax-exempt fund VWIUX

Boglesmind
by boglesmind
Sat Feb 03, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 14378

Re: Larry Swedroe: Rising Rates Increase Worries

My understanding of the Stoneridge Funds are this: you have direct ownership of the business in semi-liquid form and the higher expense ratios reflect that your fees are paying for the cost of running that business. If Stoneridge bought stocks of banks rather than in effect being a bank, you can se...
by boglesmind
Sat Feb 03, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 14378

Re: Larry Swedroe: Rising Rates Increase Worries

What I will say is that there are people on this forum that I respect who invest in the alternative funds. There are also people here that I respect who don't invest in such funds. Pretty much it boils down to whether you believe in the theories behind the alternatives. We know there are several sc...
by boglesmind
Mon Jan 08, 2018 1:23 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 10779

Re: Misuse of adverse

This appears to have been lifted from Mark Twain: http://design.caltech.edu/erik/Misc/Twain_english.html Ha! I just walked past his office the other day. (The ambiguous pronoun reference is intentional) Reminds me of my spouse :-) and my spouse says so as well :-) With a nod to the click and clack ...
by boglesmind
Sun Jan 07, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4401

Re: Best Phone Plan for 1 person

I just turned 24 and my parents are making me get on my own phone plan. I currently have a IPhone 5s on AT&T. I would like to upgrade to a newer phone (iPhone 8, Pixel 2, or Galaxy S8) I asked if I could stay on their plan and just write them a check and they said no so that’s not an option. My wor...
by boglesmind
Wed Jan 03, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1718

Re: Vanguard takes 2 days to settle tIRA funding?

Hi, In previous years, when I did my backdoor ROTH conversion, I could do it on the 2nd trading day of the year. This year, I initiated funding of my tIRA account on 1/1. I expected the transaction to settle at close-of-trading on 1/2, so I could initiate the conversion today (1/3). However, it see...
by boglesmind
Sat Dec 30, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 358639

Re: What are you up YTD? [Year To Date]

1-jan to 31-dec-17 according to Quicken: 18.90%
cash: 2%, Bonds: 12%, Stocks: 86%

Boglesmind
by boglesmind
Fri Dec 29, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2899

Re: Use of 2FA Held My Accounts Hostage

.... Best guess as to what caused all this was that about seven days ago, when logging onto my account, I received a warning requesting me to update my account information since it has been over a year since the last time I did so. Normally I just ignore and proceed but this time I did and discover...
by boglesmind
Mon Dec 25, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63019

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Any link to AMT calculator please? I rolled my own. As of yet, there are none that I'm aware of. Please see Model of New Tax Plan (House + Senate Compromise) by frugalprofessor. I played with it and it seems to calculate qualified dividends, capital gains, ordinary income and AMT levels fairly accu...
by boglesmind
Sun Dec 24, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 24567

Re: Do you see a meaningful change in your income with new Tax Bill?

(Now that its signed I'm guessing we've got permission to talk outside one official thread...) Anyway, I couldn't find a good calculator out there for year-to-year comparisons but it seems to me I'll benefit to the tune of some lunch money. I'm losing $60k+ in SALT deductions and gaining in reduced...
by boglesmind
Fri Dec 22, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 24567

Re: Do you see a meaningful change in your income with new Tax Bill?

(Now that its signed I'm guessing we've got permission to talk outside one official thread...) Anyway, I couldn't find a good calculator out there for year-to-year comparisons but it seems to me I'll benefit to the tune of some lunch money. I'm losing $60k+ in SALT deductions and gaining in reduced...
by boglesmind
Fri Dec 22, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63019

Re: Tax Bill Omnibus Thread

This bill is a tax hike for some non-resident aliens, including a selection of H1B and L1 visa-holding foreigners working in the US, and some previous US resident foreigner workers now no longer in the US but receiving US pensions. Non-residents could previously take the personal exemption, but can...
by boglesmind
Wed Dec 20, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63019

Re: Tax Bill Omnibus Thread

I think that you can see exactly what changes between current (2017) and future (2018 ->) for your own circumstances using http://taxplancalculator.com/ It is a very simple tool and the results are worth a thousand questions/words. Hope it helps. This tool is awesome - thanks for sharing! Beware! T...
by boglesmind
Tue Dec 19, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Stk Funds down yesterday 12 18
Replies: 4
Views: 984

Re: Vanguard Stk Funds down yesterday 12 18

What happened yesterday to some of the Vanguard Stk funds. The Dow was way up and several of the stock funds were down for the day. For example Windsor II was down -6.32%, Primecap down -4.48%, Morgan down -6.99%? Many others had similar effects. Was this due to dividends or did something big get h...
by boglesmind
Wed Dec 13, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

How exactly would one reduce withholdings next year by enough to avoid overpayment? Be self-employed Or fill out a new W-4 form with your employer claiming more deductions. I know of friends who adjust their W-4 throughout the year based on vanguard distributions, expected bonus pay-outs, RSU vesti...
by boglesmind
Wed Dec 13, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

The more fearful should also have well clear that the so called "backdoor Roth" is not necessarily legal. There is no IRS guidance on it either and many have express doubts in the case of quick, when not immediate, conversions following the investment. Not necessarily so. Please see More support fo...
by boglesmind
Wed Dec 13, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

If I don’t write it in, it’t won’t appear. That much is certain. Let me rephrase my consideration about the cost of first-class stamps: The price for the 2017 edition of Turbo-tax may turn out to be thousands of dollars for some. You can override any line of Turbotax you want. You might have to buy...
by boglesmind
Sat Dec 09, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

I've been playing with Turbotax. The very short answer that seems to be the case for me, is that if you are subject to AMT solely because of SALT deductions, I'm not sure that prepaying 2018 taxes (assuming it can be done) helps much. FWIW, I am I have an AGI of ~$400,000 and deductible SALT taxes ...
by boglesmind
Sat Dec 09, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

I just played with Turbotax too. It appears that you have to make TT FEDERAL think that you made the 2018 state income tax prepayment as being FOR your state for tax year 2017 (even though it's for 2018). Then when you do the state return, you need to remove that amount so that your 2017 state retu...
by boglesmind
Sat Dec 09, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27343

Re: Prepayment of SALT Taxes? [State and Local]

The only relevant one that I found was TAM 9303003: http://www.legalbitstream.com/scripts/isyswebext.dll?op=get&uri=/isysquery/irl4d2/2/doc. That one allowed the deduction, though the tax was with respect to the earlier year but otherwise payable in the later year. Thanks, Bruce. IANAL, but it seem...
by boglesmind
Sat Dec 09, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: AMT and taxable portion of state tax refund
Replies: 21
Views: 8576

Re: AMT and taxable portion of state tax refund

Does this require attaching the re-figured prior year regular tax and AMT calculations showing that there was no change in tax owed (in which case the entire refund is not taxable) or so much of the refund that does not result in a reduction of any tax owed? Yes in its own 2016 worksheet. I use Tur...
by boglesmind
Sat Dec 09, 2017 2:17 am
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 3322

Re: 4WD necessary/recommended on Big Island, HI

We took a helicopter tour from Hilo over the active lava flows and cauldron / vent. It was really great, since we didn't have extra days hiking in the park. We did not encounter smog on our trip. Definitely got to see stuff from the helicopter that we would never have seen otherwise. Our boat tour ...