Search found 2932 matches

by onourway
Thu Apr 08, 2021 12:12 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 262
Views: 18954

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

As someone that has worked in the electronics industry for the past 30 years. All the modern safety features actually make me a little nervous. Both from the standpoint of I know the failure rate of these items in high end applications (we do medical and military stuff), and from the cost standpoin...
by onourway
Thu Apr 08, 2021 11:58 am
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 2904

Re: walking shoes with wide toes?

Look for brands that advertise a natural fit - Altra is one popular brand while remaining fairly true to the standard cushioned sneaker formula. If the weather is warm I do almost all of my walking/hiking/running in sandals not much different than what people have used for thousands of years - I lik...
by onourway
Thu Apr 08, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery App
Replies: 8
Views: 738

Re: USPS Informed Delivery App

The second paragraph of the notification suggests you download the USPS mobile app to continue viewing informed delivery in-app. They are simply streamlining to a single application.

If you read this via email, there is no real reason for the app unless it provides other needed capabilities.
by onourway
Thu Apr 08, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 262
Views: 18954

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

If you hit tree at 75 mph, I'd consider that driver error. Again, a post that tries to categorize all possibilities into a simplistic narrative that fits ones world-view. Reality is far more complicated than that. People - even ourselves or those we love, do make errors. Medical events happen. Acci...
by onourway
Thu Apr 08, 2021 5:53 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 262
Views: 18954

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

I’m sure this has been brought up somewhere in the 4 pages so far - but you’ve spent $15k on cars in the last 10 years. Your ‘savings’ in the sales price of each beater is illusory because it must be immediately rolled into the next purchase. I’ve pretty much practiced this our entire life - owned e...
by onourway
Sat Apr 03, 2021 6:43 am
Forum: Personal Consumer Issues
Topic: AWD vs 2WD in up state new york
Replies: 53
Views: 3306

Re: AWD vs 2WD in up state new york

both cars offer AWD models Honda Odyssey 2022 does not. Where do you see that? Honda Pilot has AWD. Your post asks about Sienna vs Pilot, not Sienna vs Odyssey. I'm in the same boat, considering minivan in snowy northeast. My neighbor said her Odyssey with Snow Tires sucked in the snow (she even sp...
by onourway
Sat Apr 03, 2021 6:38 am
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5167

Re: Best nonstick pans?

Best to treat as disposable. No. Gets expensive. Would be great if there is a better option. There is. Cast iron/carbon steel. Yes, they require slightly more work and you may need to adapt your cooking style a bit. Non-stick pans are disposable by design. They are intended to be inexpensive and ea...
by onourway
Sat Apr 03, 2021 6:32 am
Forum: Personal Consumer Issues
Topic: AWD vs 2WD in up state new york
Replies: 53
Views: 3306

Re: AWD vs 2WD in up state new york

Small differences in location can make a huge difference in how much snow you see in upstate NY. Some areas see 50 inches. Some get 300. That said, nearly everywhere has plenty of plow capacity so for on-road driving 2wd and snows is fine 99.5% of the time. Big reasons to go AWD would be if you live...
by onourway
Wed Mar 31, 2021 1:12 pm
Forum: Personal Consumer Issues
Topic: Is it time to replace my Roku 3?
Replies: 18
Views: 1183

Re: Is it time to replace my Roku 3?

I would just buy another Roku if you are happy with the interface and experience. Seven years is a perfectly reasonable lifespan for these devices right now. I do think the AppleTV provides a far better experience if you are even moderately invested in Apple (ie. if you have an iPhone). The UI is li...
by onourway
Wed Mar 31, 2021 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home Sellers Dilemma re Agent
Replies: 24
Views: 2163

Re: Home Sellers Dilemma re Agent

Something sounds a little bit off about this to me. ...whose clients are having a difficult time landing a home in our neighborhood due to the competitive market. They are cash buyers but cannot compete with offers going 100k over asking on a 500k home. This means they can't afford what these homes ...
by onourway
Mon Mar 29, 2021 12:58 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3204

Re: Battery operated garden tools

Ego is a popular brand at the high-end and people I know with them have been happy. We are all-in on Echo electric and very happy. The blower and string trimmer are equivalent in power to the gas tools that were replaced.
by onourway
Sun Mar 28, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle Insurance for Ebike?
Replies: 14
Views: 1138

Re: Bicycle Insurance for Ebike?

As a general rule you should only insure against potential outcomes that could be otherwise financially crippling. For the vast majority of people the loss of a $1000 bicycle would be unfortunate, but not catastrophic.
by onourway
Fri Mar 26, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: Build detached one car garage for office/theater, but convert back later?
Replies: 10
Views: 970

Re: Build detached one car garage for office/theater, but convert back later?

I agree that I'd make sure the design can accommodate garage doors in the future, but I would not install them now. If you live in populated urban area already, a carport is enough for most people. I'd build this for how you want to use it. Not how someone in the future might want to use it. If it's...
by onourway
Fri Mar 26, 2021 6:11 am
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3013

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

I will point out that if you buy a vehicle with the top of the line assistance features now, it is unlikely there will be any single major breakthrough that would be game-changing over the next 5+ years. We have a vehicle (not a Tesla) that was bought in 2013 with every driver assistance option avai...
by onourway
Fri Mar 26, 2021 6:03 am
Forum: Personal Consumer Issues
Topic: Laptop portable power bank
Replies: 20
Views: 1350

Re: Laptop portable power bank

Bogleheads Do folks have any recommendations for a long-lasting power/battery bank for a Dell laptop? I may be in a remote area with no power for several days, but still desiring to use my laptop a fair amount. So my key criteria is long-life. Appreciate any experiences and product recommendations ...
by onourway
Tue Mar 23, 2021 7:12 am
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3734

Re: budget espresso maker

Thanks! As to they why? Well, I like the taste of a good espresso drink like a doppio. That crema is great. It has a little something to the taste, too. It actually doesn't take too long to make a few of the espresso-type drinks, like a regular doppio or caffe dulce. Cafe au lait is good, too, but ...
by onourway
Tue Mar 23, 2021 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6646

Re: Need career suggestions for adult son

What sort of art degree does he have, and what sort of art does he like to do? It’s too bad that he’s not interested in web design and computer programming. Depending on exactly what he’s interested in, this is a great way to merge art and tech into a decent career. It also has the potential to allo...
by onourway
Mon Mar 22, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1771

Re: Digital Music/Audio Makeover

I would recommend trying it out on any old pc-type machine from the last 10-15 years. I would spend the money saved by using Vortexbox on those new speakers. If you are running a dedicated computer - especially something left over of that age - any savings are purely illusory. Even running headless...
by onourway
Mon Mar 22, 2021 5:51 am
Forum: Personal Consumer Issues
Topic: Music for tweens and teens
Replies: 18
Views: 1291

Re: Music for tweens and teens

1) We have a family Apple Music account and HomePods in each room of the house. Siri recognizes everyone’s voice so it knows who is speaking and requesting music. They have access to the same account on their computer and devices. 2) Spotify is the other main music streaming option and fine as well....
by onourway
Mon Mar 22, 2021 5:43 am
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1771

Re: Digital Music/Audio Makeover

You can sign up for iTunes Match which for $25/year will make your personal files available in the cloud for streaming. That said, if music is important in your life, and you want to have it for multiple users in multiple locations in the home, I’d strongly suggest simply subscribing to Apple Music ...
by onourway
Fri Mar 19, 2021 8:12 am
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1961

Re: buying a 2020 xc90 volvo

If you drive that little, you could arrange a 7500 mile/year lease which will lower the price further from the prices I mentioned above. As for used prices, you'd just have to see what's on the market in your area at that age. For the XC90 it's a bit hard to estimate as it was switched to the new pl...
by onourway
Fri Mar 19, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1961

Re: buying a 2020 xc90 volvo

Buying the leased vehicle may or may not be a good deal. For most brands, the buyout price is fixed - there is no negotiation allowed - and for luxury vehicles the residual value is often inflated by the manufacturer in order to make the lease payments competitive. That said, it's just a phone call ...
by onourway
Fri Mar 19, 2021 7:21 am
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1961

Re: buying a 2020 xc90 volvo

We currently have 2 older Volvos; a 2010 and a 2013. Looking over the past 4 years of expenses which is what I can easily pull up we've spent an average of about $200/month in maintenance for both of them ($100/month each). This includes everything - oil, tires, repairs, etc. This is heavily weighte...
by onourway
Fri Mar 19, 2021 6:06 am
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1961

Re: buying a 2020 xc90 volvo

I think you should buy if you want and consider holding it a lot longer than 3-4 years. We have owned Volvos long-term for decades and while they aren’t generally Toyota levels of reliability, they are generally just fine. One of our current vehicles is a ‘13 XC70 with every option, now approaching ...
by onourway
Wed Mar 17, 2021 5:50 am
Forum: Personal Investments
Topic: How much do you weigh your homes value in your retirement portfolio?
Replies: 106
Views: 8335

Re: How much do you weigh your homes value in your retirement portfolio?

I don’t count it in part of our retirement calculations either, in part because it’s already, in our mid-accumulation years, a relatively small portion of our net worth. That said, I have seen one’s home value play an important part in people’s long-term retirement plans many times both among friend...
by onourway
Tue Mar 16, 2021 5:45 am
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 147
Views: 11227

Re: Tesla for people that keep cars a long time

If I was shopping for a long term EV, I think I would wait for a couple of years, given the increasing competition and pace of technological improvement. You would almost certainly get a better deal and possibly materially better technology by waiting, much more than would be the case for a gas veh...
by onourway
Tue Mar 16, 2021 5:14 am
Forum: Personal Finance (Not Investing)
Topic: How much income would justify paying $2500 for a finance planner?
Replies: 58
Views: 5741

Re: How much income would justify paying $2500 for a finance planner?

By the time you know enough to know how to pick a good financial planner, you will know enough to do it yourself. It is stunningly easy -- and that is not an exaggeration. This, exactly. Before we found Bogleheads we tried a well regarded financial planner. They were nice enough, however they had a...
by onourway
Mon Mar 15, 2021 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for cash with taxable or take mortgage?
Replies: 15
Views: 1467

Re: Buy house for cash with taxable or take mortgage?

We recently made this decision and took the 30 year mortgage. Personally, with rates this low and the laws being what they are, I sleep great with a mortgage and a big taxable account. There’s no way I’d pay cash for the entire thing if it meant we’d be cash poor for a number of years while we built...
by onourway
Mon Mar 15, 2021 4:08 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 147
Views: 11227

Re: Tesla for people that keep cars a long time

I don’t see any reason you’d have trouble keeping it that long. I know several people locally, including in the family, who own Tesla’s from the 2013-14 years and while they have required some service over the years, no battery pack problems. The Model Y is not particularly reliable at the moment, b...
by onourway
Mon Mar 15, 2021 12:00 pm
Forum: Personal Investments
Topic: 15x expenses, then SS
Replies: 95
Views: 7838

Re: 15x expenses, then SS

Agreed with the consensus that it's a bit too tight. I don't think your list of expenses is particularly complete either. There is nothing budgeted for large long-term expenses like new cars, home maintenance and updates, etc. Nor much of anything at all for personal spending. By the time you pay ta...
by onourway
Fri Mar 12, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: iPad for reviewing documents, and what size?
Replies: 27
Views: 1488

Re: iPad for reviewing documents, and what size?

Interesting... I think it would probably be an iPad Pro? This is another thing that I am curious about. MacBooks/iMacs last for years before they need to be replaced, but Apple is constantly coming out with new iPads. I am worried that an iPad will become obsolete much, much sooner (despite costing...
by onourway
Thu Mar 11, 2021 8:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

The relevant metric would be the percent of Vanguard' account logins from mobile browsers, which I'd bet is a lot less than 50%. I'm not sure how ...Vanguard has the data of exactly the number of people who use the site on what type of devices... does not address the point? :confused Vanguard knowi...
by onourway
Thu Mar 11, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: iPad for reviewing documents, and what size?
Replies: 27
Views: 1488

Re: iPad for reviewing documents, and what size?

I like the 11" form factor, and don't have any issues with the size of PDF's, but I will admit my eyesight is still pretty good. I would pick the form factor you'd most likely prefer, and return it if it's not working for you. FWIW, iPads are very likely to see an update in the next few weeks, ...
by onourway
Thu Mar 11, 2021 8:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

More than half of all web traffic is done through mobile. The relevant metric would be the percent of Vanguard' account logins from mobile browsers, which I'd bet is a lot less than 50%. BTW, according to https://www.statista.com/statistics/683082/share-of-website-traffic-coming-from-mobile-devices...
by onourway
Thu Mar 11, 2021 8:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

More than half of all web traffic is done through mobile. The relevant metric would be the percent of Vanguard' account logins from mobile browsers, which I'd bet is a lot less than 50%. BTW, according to https://www.statista.com/statistics/683082/share-of-website-traffic-coming-from-mobile-devices...
by onourway
Thu Mar 11, 2021 8:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

As do I. My experience was as a programmer on an application that supported multiple end-user platforms. Our approach was to make the best experience for each platform without one platform driving the others. We just rolled up our sleeves and did the work... without a billion-dollar budget. Apparen...
by onourway
Thu Mar 11, 2021 6:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

There wasn't actually a problem before. Yes, there was. The site had very poor UX on mobile. They’ve been continually refining it for some time. But that was clearly one of the major reasons behind the change. More than half of all web traffic is done through mobile. It can’t be ignored. FWIW, I al...
by onourway
Thu Mar 11, 2021 6:46 am
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3476

Re: Audio Receiver Recommendations

I would give Crutchfield a call and have them help guide you. Ceiling mounted speakers aren’t going to sound great, so you are mainly buying on features, price, and user interface. As noted, to have 3 fully separate zones will be fairly expensive. Another option is, as mentioned, to just forget abou...
by onourway
Thu Mar 11, 2021 6:27 am
Forum: Personal Investments
Topic: Have money but cannot access it - what are options?
Replies: 36
Views: 3918

Re: Have money but cannot access it - what are options?

Roth contributions can be withdrawn at any time for any reason.
by onourway
Thu Mar 11, 2021 6:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

There wasn't actually a problem before. Yes, there was. The site had very poor UX on mobile. They’ve been continually refining it for some time. But that was clearly one of the major reasons behind the change. More than half of all web traffic is done through mobile. It can’t be ignored. FWIW, I al...
by onourway
Tue Mar 09, 2021 2:47 pm
Forum: Personal Consumer Issues
Topic: Will an e-hybrid car work without a charger?
Replies: 30
Views: 2199

Re: Will an e-hybrid car work without a charger?

I am half-joking, but also half-serious. The thought of a fully electric EV that can charge up to 40 miles a day from its solar panels is pretty intriguing. I find it difficult to believe that a roadster would have enough roof surface to generate enough kWH in a day to drive 40 miles. My LEAF needs...
by onourway
Tue Mar 09, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2515

Re: Peloton purchase inquiry

Personally I plan to wait for an improved version of these things. I'm hoping that someday someone can come up with a similar experience, but more immersive. For example, you would see the environment on more than a smallish screen, so it could be much more surrounding. Maybe with a breeze and smel...
by onourway
Tue Mar 09, 2021 6:32 am
Forum: Personal Consumer Issues
Topic: Cast iron cooking tips
Replies: 59
Views: 4429

Re: Cast iron cooking tips

People hate to admit this but you have to use a gallon of oil if you dont want things to stick to it. And, it has to be really hot before you put food in it. I use cast iron sometimes, but its mostly a hassle. I do like to make scallops on it tho. This is the truth. The whole “seasoning” thing is a...
by onourway
Mon Mar 08, 2021 1:16 pm
Forum: Personal Consumer Issues
Topic: Will an e-hybrid car work without a charger?
Replies: 30
Views: 2199

Re: Will an e-hybrid car work without a charger?

Agree you'd get better info if you posted specific makes/models you are considering, but generally, while it would not make sense to pay extra for a plug in if you won't use that capability, if incentives make it economical there's no reason not to buy it if you otherwise want the vehicle. With the ...
by onourway
Mon Mar 08, 2021 6:48 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5357

Re: Leather vs Cloth Car Seats

Leather vs. cloth is largely a personal preference, however I suspected there was significantly more to the story than ‘$14k for leather seats’ and a quick look at the Yukon trim comparisons show this. First, for the two most basic models - 2wd SLE and SLT, the difference is about $7k, and leather s...
by onourway
Thu Mar 04, 2021 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

I see absolutely nothing wrong with the new site. The old site was fine for me as well, but the new site is clearly a better responsive design for how people will use it across a huge range of screen sizes. If you are only ever looking at the site through a desktop or laptop computer screen you may ...
by onourway
Thu Mar 04, 2021 7:57 am
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

Given everything the dealer asked you to provide I’d be highly irritated as well. If the dealer is going to pull this kind of stunt they should clearly inform you and offer the ability to make a substantial deposit online at the same time. That said, dealer incompetence and sliminess is generally t...
by onourway
Thu Mar 04, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

Given everything the dealer asked you to provide I’d be highly irritated as well. If the dealer is going to pull this kind of stunt they should clearly inform you and offer the ability to make a substantial deposit online at the same time. That said, dealer incompetence and sliminess is generally th...
by onourway
Wed Mar 03, 2021 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $2.5M first home?
Replies: 185
Views: 14700

Re: Can we afford a $2.5M first home?

Just so we can be clear. What would OPs income and assets have to be before it was OK for him to purchase this Bay Area 2.5 million house ? What would your minimum threshold be? I admit I seem to be in the minority here with my take that it’s a stretch but it’s doable, considering the location. Per...
by onourway
Tue Mar 02, 2021 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6199

Re: Vanguard Website

I am not seeing the issue in Safari on MacOS 11.2.2.

What version OS are you using?

Also seems to work ok on my iPad.