Search found 703 matches

by helloeveryone
Mon Apr 12, 2021 11:44 pm
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 50
Views: 5301

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

In 2019 my younger son had to have significant oral surgery to remove an infected tooth followed by an implant. It was difficult to get the appointment. When my wife arrived on the day of the scheduled surgery she was presented with this notice, which I have a photograph: ATTENTION ALL PATIENTS Eff...
by helloeveryone
Mon Apr 12, 2021 4:25 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 15
Views: 2433

Re: Gift Card to Permanently Closed Business

Another reason to dislike gift cards :( Your best option is if you purchased via credit card, you can ask about a chargeback. When COVID first hit last year, I read articles advising us to help our favorite restaurants and shops (which were closed in CA at the time) stay in business by purchasing g...
by helloeveryone
Mon Apr 12, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 70
Views: 5438

Re: Best 4 wheel drive vehicle

I have never gotten into 4 wheel driving but one thing I have picked up over the years is that there is actually a lot to learn about how to actually drive off road right and how to get yourself out of trouble when(not if) something happens and you get stuck. I could not agree more. I’ll never forg...
by helloeveryone
Sat Apr 10, 2021 7:44 pm
Forum: Personal Consumer Issues
Topic: Home Delivery Drinking Water (and testing for PFAS)
Replies: 5
Views: 502

Re: Home Delivery Drinking Water

My area often makes the news for having bad drinking water (mainly high PFAS levels). My family drinks a lot of water and I don't think it's worth taking the chance drinking from the tap. Instead I'm considering a home delivery service where you get the ~5 gallon jugs. What should I consider? We di...
by helloeveryone
Sat Apr 10, 2021 7:41 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4557

Re: The Great Swing Set Dilemma

Not sure that I'll help you out in your decision. But... I'm trying to look at this long term and not just in the immediate term of what my son can or can't do. My advice in the "long term" - this likely won't be used. Or at least it wasn't in our case. Child is currently 12, and we proba...
by helloeveryone
Thu Apr 08, 2021 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Amending medical record...best financial decision?
Replies: 19
Views: 1948

Re: Amending medical record...best financial decision?

Hi there! First-time poster here. And I'm sorry to come at you with a doozy of a question. :) My husband and I buy our own health insurance (DH's employer is very small and doesn't offer insurance). I'm starting to look into a new plan or other options such as a direct-to-consumer healthcare subscr...
by helloeveryone
Thu Apr 08, 2021 9:04 pm
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 42
Views: 4115

Re: How much $$ to get kitchen cabinets painted?

Hey all, wondering how much people have paid to get their kitchen cabinets painted... Kitchen is a pretty decent size, counted 37 drawers/cabinets plus an island. Getting quotes from $2,800-$4,000... In MCOL area. Thanks. I don’t mean to be glib, but you could buy enough paint and brushes to do tha...
by helloeveryone
Wed Apr 07, 2021 10:00 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3084

Re: Should I replace 2 or 4 tires?

Brand new tire tread depth is 8.5/32. My remaining tread depths are: 1x 3/32 1x 4/32 2x 5/32 Costco has a promo - $150 off 4 tires. Cost of each tire is $230. I plan to replace the 3/32, probably the 4/32 as well. Mathematically, would it make sense to replace the 5/32 tires at the same time? My ve...
by helloeveryone
Wed Apr 07, 2021 12:13 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 275
Views: 19540

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Good Morning, Everyone has their "thing" that they enjoy to spend money on so if cars are your "thing" then please don't be offended. I have no problem dropping $500 on a round of golf at Whistling Straits or spending $200 on a meal every now and then. With that being said I am ...
by helloeveryone
Tue Apr 06, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3084

Re: Should I replace 2 or 4 tires?

I told my kids - don’t try to get the last 10% on oil, belts, batteries, brakes, and tires. Replace on-time or early and save yourself a lot of trouble. +1 on the battery from personal experience. Cost time, effort, and by having to buy right away didn’t have time to hunt down the typical coupons a...
by helloeveryone
Tue Apr 06, 2021 10:11 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3084

Re: Should I replace 2 or 4 tires?

Brand new tire tread depth is 8.5/32. My remaining tread depths are: 1x 3/32 1x 4/32 2x 5/32 Costco has a promo - $150 off 4 tires. Cost of each tire is $230. I plan to replace the 3/32, probably the 4/32 as well. Mathematically, would it make sense to replace the 5/32 tires at the same time? My ve...
by helloeveryone
Fri Apr 02, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: Good time to sell a car?
Replies: 16
Views: 1132

Re: Good time to sell a car?

I have an offer from Carvana and Vroom for my 3 year old car that is within 10% of what I paid new after tax. I don't need the car to commute, it's driven 5k miles per year and could get by for a year without a replacement. Ideally, I would use the tax credit on a trade for a different car but the ...
by helloeveryone
Thu Apr 01, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25039

Re: High spenders what do you spend on?

For Bogleheads who take more joy in saving than spending, it shouldn’t seem odd at all. Then you've answered your own question (and a good answer it is): save your money. Exactly what I’ve been trying to avoid. Let me lay it out more explicitly for you. I save $300k per year. Not because I need to ...
by helloeveryone
Sat Mar 27, 2021 10:39 pm
Forum: Personal Consumer Issues
Topic: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)
Replies: 60
Views: 4647

Re: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)

What about things around the national parks (Grand Canyon, Yosemite, Zion) or the roads between them? Anyone with back-country backpacking experience, feel free to chime in with suggestions here. Check out Vermillion Cliffs National Monument. It's right off highway 89 which isn't too far from you a...
by helloeveryone
Sat Mar 27, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan at .9%?
Replies: 70
Views: 4683

Re: Car Loan at .9%?

Having sold cars for years I can see how some of you are a bit out of your element. Dealers make their money on the finance side, plain and simple. At the end of the day the market dictates the actual selling price of the car. A brand like Toyota has so many dealerships that a monkey can buy any mo...
by helloeveryone
Tue Mar 23, 2021 11:28 am
Forum: Personal Consumer Issues
Topic: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)
Replies: 60
Views: 4647

Re: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)

What about things around the national parks (Grand Canyon, Yosemite, Zion) or the roads between them? Anyone with back-country backpacking experience, feel free to chime in with suggestions here. Check out Vermillion Cliffs National Monument. It's right off highway 89 which isn't too far from you a...
by helloeveryone
Tue Mar 23, 2021 11:24 am
Forum: Personal Consumer Issues
Topic: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)
Replies: 60
Views: 4647

Re: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)

I've only done Yosemite and the Grand Canyon so can't comment on the others. The Grand Canyon was one of the top hikes I've done anywhere. We hiked down the S Kibab trail and spent 2 nights camped at Phantom Ranch. We left via the Bright Angel trail and spent the next night at Indian Gardens. The f...
by helloeveryone
Tue Mar 23, 2021 11:14 am
Forum: Personal Investments
Topic: Huge Windfall + Vanguard PAS, Here's What They Allocated For Me
Replies: 68
Views: 7703

Re: Huge Windfall + Vanguard PAS, Here's What They Allocated For Me

Those are good reasons to use PAS. Not everyone wants to nerd out on some of these finer points, and that is okay. Do you think at some point you might try to DIY? The good thing is they have you in a simple portfolio that you could take the reins over if you wanted to one day. Don't let someone co...
by helloeveryone
Sun Mar 21, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23732

Re: What is the BEST thing you spent money on?

a lot of things but top things lasik specialized gravel bike (was first "high quality" bike I have ever gotten) the money spent on a road trip to Sedona, Az and Grand Canyon. (in terms of value for the money spent - it was an AMAZING trip for the health and wellness benefits) Jura espresso...
by helloeveryone
Sat Mar 13, 2021 2:28 pm
Forum: Personal Consumer Issues
Topic: water pipe leaking
Replies: 51
Views: 3508

Re: water pipe leaking

Call a plumber and pay whatever they ask - it'll be money well spent. If your luck is anything like mine (and I'm a DIY kind of guy) all sorts of crap will go wrong addressing that nightmare. It looks absolutely malevolent - just waiting for some innocent soul to come by and decide to tackle it. Th...
by helloeveryone
Tue Mar 09, 2021 4:32 pm
Forum: Personal Consumer Issues
Topic: Used car buying on craigslist
Replies: 15
Views: 1191

Re: Used car buying on craigslist

Perfect? If you are near me and I'm looking for a similar car, prepare to lose the purchase to me. I've bought probably half a dozen cars on CL over the years. I honed my skills along the way by buying dozens of guitars and selling thousands of car parts. If I see something I want, I have the cash ...
by helloeveryone
Tue Mar 09, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: Used car buying on craigslist
Replies: 15
Views: 1191

Re: Used car buying on craigslist

There are a lot of threads on how to buy a new or used car from dealers but fewer such threads on buying used on craigslist. I have not purchased used on CL yet but I really enjoy looking at used cars there and there are periodically cars that seem to be in great condition and at a competitive pric...
by helloeveryone
Tue Mar 09, 2021 10:37 am
Forum: Personal Consumer Issues
Topic: Used car buying on craigslist
Replies: 15
Views: 1191

Used car buying on craigslist

There are a lot of threads on how to buy a new or used car from dealers but fewer such threads on buying used on craigslist. I have not purchased used on CL yet but I really enjoy looking at used cars there and there are periodically cars that seem to be in great condition and at a competitive price...
by helloeveryone
Wed Mar 03, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Urgent Care bill - does this seem high?
Replies: 44
Views: 2453

Re: Urgent Care bill - does this seem high?

A month ago my toddler poked me in the eye by accident, and I had a lot of pain and blurry vision. I went to Urgent Care, and they got me in quickly and were very nice and competent. They gave me a vision test, and then put some dye drops in my eye, and looked at it, diagnosed a scratched cornea, a...
by helloeveryone
Mon Mar 01, 2021 10:50 pm
Forum: Personal Consumer Issues
Topic: Texas resident selling car to buyer from Illinois
Replies: 24
Views: 1846

Re: Texas resident selling car to buyer from Illinois

Thanks for the form! Why would a cashier's check not be ok? Everything about this guy rings true. His phone number matches his state. He manages an aircraft maintenance operation, took several calls from mechanics an pilots who clearly weren't faking it. Knew his way around cars very well. How woul...
by helloeveryone
Mon Mar 01, 2021 10:36 pm
Forum: Personal Consumer Issues
Topic: Should I buy this 4Runner with my current situation?
Replies: 46
Views: 3401

Re: Should I buy this 4Runner with my current situation?

4Runner owner here.... 2016 SR5 Having wanted a 4Runner for many years, when my previous vehicle was totaled I bought a new 4Runner. I like the styling, off road ability (mainly just beaches in N.C.) and towing capacity ( enough to meet my towing needs) What I don’t like.... not exactly a comfortab...
by helloeveryone
Mon Mar 01, 2021 4:29 pm
Forum: Personal Consumer Issues
Topic: Should I buy this 4Runner with my current situation?
Replies: 46
Views: 3401

Re: Should I buy this 4Runner with my current situation?

Hi, My wife and I make a combined gross 150k/yr. We have a 06 Subaru Forester we've had for 7 yrs with about 150k miles on it bought it in cash. Just bought a small little RV so looking for a tow vehicle. Realizing tow vehicles are more expesnive than the usual cars/crossovers we have bought in the...
by helloeveryone
Sun Feb 28, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Urgent passport issue
Replies: 42
Views: 7083

Re: Urgent passport issue

OP here: Went on a wonderful vacation to Jamaica with the passport issue resolved. Just getting the appointment was hard, VERY HARD, but my state senator office was able to help me. It did cost me in higher fees for the kids and I, one day lost work to drive 3 hours one way to the passport agency, ...
by helloeveryone
Sat Feb 27, 2021 11:37 am
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8966

Re: Car suggestion for 70+ year-old mom

My mom recently got into a minor accident (her fault). The cars in front of her slammed on the brakes and she just couldn't react fast enough and rear-ended the car in front of her. I think there is a good chance her old car might be totaled. It's not a lot of damage, mostly just the front bumper a...
by helloeveryone
Fri Feb 26, 2021 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death? (Updated Original Post))
Replies: 95
Views: 12043

Re: Taking a break in your 50s: Is it the kiss of death? (Updated Original Post))

2/26/21 Update: Your suggestions/feedback have been very helpful and I've implemented several of the suggestions that were given. 1. Most importantly, I've taken the advice to work 40 hours per week and not a minute more. This has been life changing. 2. I typically take lunch breaks now, after year...
by helloeveryone
Fri Feb 26, 2021 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much does your employer contribute toward your health insurance?
Replies: 26
Views: 1171

Re: How much does your employer contribute toward your health insurance?

I'm trying to quantify how much I'm actually paid in my job beyond just salary (e.g., retirement matching, health insurance, tuition reimbursement, etc.) to better assess employment opportunities. So I'm wondering what a typical employer pays toward employee health insurance. With that in mind, how...
by helloeveryone
Mon Feb 22, 2021 12:41 am
Forum: Personal Finance (Not Investing)
Topic: too much in 401k may be forced to quit job
Replies: 183
Views: 16830

Re: too much in 401k may be forced to quit job

Is this really something employers care about? I highly doubt it. As noted, several others have inquired about how this could effect the employer at all. More than likely it's simple personal jealousy. This I believe the anger from president and fellow employees is jealousy. am hoping they will jus...
by helloeveryone
Mon Feb 22, 2021 12:32 am
Forum: Personal Consumer Issues
Topic: SUV or Van Rental for 4 Adults and 2 toddlers and 1 baby
Replies: 13
Views: 840

Re: SUV or Van Rental for 4 Adults and 2 toddlers and 1 baby

I would say minivan is best bet to fit 7 and the supplies in the back. Two adults in front One adult with baby seat in back or middle One adult with two toddlers in back or middle. In addition to more trunk space than a three row suv you have additional room for stuff in the leg space of the child s...
by helloeveryone
Wed Feb 17, 2021 6:57 pm
Forum: Personal Consumer Issues
Topic: Busted water pipe, now what? Help a Texan out.
Replies: 187
Views: 14200

Re: Busted water pipe, now what? Help a Texan out.

All of the inside faucets had been dripping for 2 days. I didn't drip the outdoor ones. Is that where I went wrong? I was wondering if we are risking even more damage TONIGHT, when it's supposed to be in the teens since we CAN'T drip our indoor faucets, because I turned the water off. That's my que...
by helloeveryone
Mon Feb 15, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

Re: how much do you budget car repairs/home repairs for?

For car repairs? I don't bother to budget anything. We drive Toyota's and Honda's and I cant even remember the last time I had to do anything beyond annual oil changes or a brake job every 50k or so... I DIY so budgeting would be pennies a month. I agree (though I don't really budget). In the last ...
by helloeveryone
Sun Feb 14, 2021 9:26 pm
Forum: Personal Consumer Issues
Topic: Buying a car spring 2021
Replies: 73
Views: 5009

Re: Buying a car spring 2021

Order of practicality ... sienna, highlander , rav4, 4 runner....my wife drives a sequoia now...we have had a few 4runners and a highlander. 4Runners are awesome but way too small for dogs/kids (child car seats are massive these days) and are impractical compared to unibody suvs. After years of try...
by helloeveryone
Sun Feb 14, 2021 6:24 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

Re: how much do you budget car repairs/home repairs for?

Just curious - I have a budget on excel and there are a couple categories I just write - "not included - one of which is car repairs and home repairs" (others are medications/healthcare, groceries - but that's just being a little lazy as I could just average it out using end of year credi...
by helloeveryone
Sun Feb 14, 2021 6:22 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

Re: how much do you budget car repairs/home repairs for?

for the last 1.5 years i've done my own oil changes, fluid changes etc... Have not moved to brakes yet but will be learning. already preemptively bought brake pads at rock auto for both vehicles. but for one i paid to get it done while doing some other work. I love the freedom and gratification of ...
by helloeveryone
Sun Feb 14, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

Re: how much do you budget car repairs/home repairs for?

I don't, I just make sure I have enough in emergency funds to cover large unexpected expenses (furnace/water heater/etc.) For planned repairs, those that are not imminent, we save before incurring them (ie new cars, remodeling). Worst case scenario they can just go on the CC and be paid off over a ...
by helloeveryone
Sun Feb 14, 2021 1:28 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

Re: how much do you budget car repairs/home repairs for?

For car repairs? I don't bother to budget anything. We drive Toyota's and Honda's and I cant even remember the last time I had to do anything beyond annual oil changes or a brake job every 50k or so... I DIY so budgeting would be pennies a month. for the last 1.5 years i've done my own oil changes,...
by helloeveryone
Sun Feb 14, 2021 1:08 pm
Forum: Personal Consumer Issues
Topic: What is so special about the Toyota Tacoma?
Replies: 97
Views: 10499

Re: What is so special about the Toyota Tacoma?

real and perceived reliability, not the same but closely associated with Toyota Hilux: "Killing a Toyota" (probably should've been titled "can't kill a toyota"). when you can drown a truck for hours in water and still starts: just kinda' hard to beat. due to chicken tax: hilux a...
by helloeveryone
Sun Feb 14, 2021 12:41 pm
Forum: Personal Consumer Issues
Topic: how much do you budget car repairs/home repairs for?
Replies: 37
Views: 4725

how much do you budget car repairs/home repairs for?

Just curious - I have a budget on excel and there are a couple categories I just write - "not included - one of which is car repairs and home repairs" (others are medications/healthcare, groceries - but that's just being a little lazy as I could just average it out using end of year credit...
by helloeveryone
Sun Feb 14, 2021 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Needing input - Thinking to move back to TX after my move to CA
Replies: 19
Views: 2343

Re: Needing input - Thinking to move back to TX after my move to CA

Wife and I recently moved from Houston, TX back to California last year. We were in Houston for 5 years and realized we missed CA, the weather, lifestyle and friends. At the time we made the decision to move back, we had 1 small child and one on the way. We sold the wife's business, our house and I...
by helloeveryone
Thu Feb 04, 2021 1:21 pm
Forum: Personal Investments
Topic: Feeling anxious about how to invest life savings
Replies: 55
Views: 6310

Re: Feeling anxious about how to invest life savings

Hi all, this is my first post. I hope to spend a lot of time here since there is some immense knowledge available. A little about me: I'm 30 years old, single, making around 130k/year pre-tax and renting. I've always been very risk averse. Years ago, my friend pushed me to get into investing rather...
by helloeveryone
Thu Feb 04, 2021 12:30 pm
Forum: Personal Consumer Issues
Topic: Amazon return delays
Replies: 43
Views: 1452

Re: Amazon return delays

I returned several items to Amazon 2 weeks ago, via dropoff at a local UPS store. I used the correct procedure for each item in terms of printing labels, etc. Even though some of the items were purchased in the same order, I had to mail each back separately. I received a refund for one item about 4...
by helloeveryone
Tue Feb 02, 2021 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in job or Lose $420k?
Replies: 37
Views: 4721

Re: Stay in job or Lose $420k?

Hello, I was part of a small start-up that got acquired by a larger company 3 years ago. As part of the acquisition, we were given a bonus plan (instead of an immediate payout) and jobs. The terms of the bonus plan are 1) continuous employment at this company until the end of 2021 and 2) meeting ce...
by helloeveryone
Sun Jan 31, 2021 9:19 am
Forum: Personal Investments
Topic: Please let me know your thoughts $7M Portfolio
Replies: 21
Views: 2451

Re: Please let me know your thoughts $7M Portfolio

What are your thoughts: $4M in Stocks (mostly VOO / VTI) $2M in CD Ladder $1M in BND and BIV I'm 52 years old, three kids. Houe...no mortgage. Kids are 20, 17, 14. I have tuition covered in 529's. Thinking about getting off the full time grind at end of 2021. Thinking $200K in income from my invest...
by helloeveryone
Fri Jan 29, 2021 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car vs. repair existing car
Replies: 36
Views: 2501

Re: When to buy a new car vs. repair existing car

What is a good rule of thumb to follow to decide whether to buy a new car vs repair an existing car. I've heard that if the repair exceeds the value of the car, it's not worth it. Or if the cost of the repair is a certain % of the value of the car, then it's not worth it. But let's say your existin...
by helloeveryone
Thu Jan 28, 2021 8:01 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4558
Views: 229005

Re: [GameStop GME trading mega-thread]

Do boglehead 3 fund investors need to be concerned? Are these hedge funds going to continue to sell their long positions to cover the shorts and affect the broad indexes? https://investornews.vanguard/when-stocks-get-ahead-of-fundamentals/j "Tune out the noise and stay the course—two time-test...
by helloeveryone
Thu Jan 28, 2021 7:06 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4558
Views: 229005

Re: [GameStop GME trading mega-thread]

I hope we won't see a thread pop up asking: "What to do with 47.9 million after I sold all GME?" https://i.redd.it/a309gkm5yxd61.png I skipped page 26 to 35 of the thread so am now lost... why did this individual not sell? is he the main one trying to make a point? I feel like you can mak...