Search found 422 matches

by Luke Duke
Thu Feb 11, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 2799

Re: Tips on how to get the most of my yearly performance review?

I have been in engineering and engineering management for nearly 20 years. Performance reviews are just theatre. The decisions have already been made and in most cases they are made without any thought to your performance. This has been my experience: -The company decides on a company wide pay incr...
by Luke Duke
Tue Feb 09, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 2794

Re: Sell truck and buy SUV?

Weird that you're okay with a Tundra but think a Sequoia size SUV is too big. We're very happy with our sequoia and may soon own two. It pulls my boat just fine. If the hill is really steep (6% grade at 7000 feet) It'll slow down to 50 while hauling 5000-7000 lbs behind it. A big diesel truck is go...
by Luke Duke
Tue Feb 09, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Setting up Internet for a newly constructed house
Replies: 18
Views: 1432

Re: Setting up Internet for a newly constructed house

I'd run Ethernet cable to every room. Cat6 is probably overkill today unless you plan to move lots of data within your house, otherwise your Internet connection will be the limiting factor, and Cat5e should be enough. Ten or twenty years from now, of course, maybe it'll matter, and cable is cheap c...
by Luke Duke
Mon Feb 08, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 2794

Re: Sell truck and buy SUV?

I had a truck for the past 25 yrs and decided I wanted an SUV. My "replacement" for the truck was a folding 4x8' trailer for $210 from Harbor Freight. I'm able to store it in my basement and it only takes about 10 mins. to set up. A bit more bother than having a truck but it works for me....
by Luke Duke
Wed Feb 03, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What do you pay per year for daycare?
Replies: 33
Views: 1231

Re: What do you pay per year for daycare?

Between $12K-13K/yr for two kids full-time. I'm in Dallas.
by Luke Duke
Mon Jan 25, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9788

Re: Is Nitrogen better than air?

Your tire pressure will not be more "constant" either. PV = nRT. Remember that? It doesn't matter whether you have air, oxygen, argon, helium, xenon, or nitrogen: the pressure change is the EXACT same for a given temperature change. So the first paragraph of the article is myth. The "...
by Luke Duke
Fri Jan 22, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1184

Re: How to get customers for a cleaning service?

tc101 wrote:Maybe the way a cleaning service grows is by referrals, because everyone is nervous about strangers coming in their house.


This x100. Every cleaning lady that we've ever had has been referred to us by a close friend/family member.
by Luke Duke
Fri Jan 22, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 3244

Re: Car tire replacement

Discount Tire all the way.
by Luke Duke
Thu Jan 21, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7940

Re: Amazon Prime: doing the math...is it worth it?

Not true...walmart price matches amazon. This is one of the reasons I ditched prime a while ago. All the major stores around me now price match amazon...no point in 2 day shipping. It takes a couple minutes to run to the store and get the merchandise. In that amount of time I would have been watchi...
by Luke Duke
Thu Jan 21, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7940

Re: Amazon Prime: doing the math...is it worth it?

It is worth it for me. Between my wife and I we probably have 100 transactions/yr. The kids watch several shows. My wife has a Kindle. This past Christmas I didn't have to go to a single store for a present. For the first time ever I did not hear anyone ringing a Salvation Army bell during the month...
by Luke Duke
Wed Jan 20, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if buying my first house is smart financially?
Replies: 29
Views: 2313

Re: Please help me decide if buying my first house is smart financially?

Original poster here, here's my response to all the posts in this thread. 5) What I don't understand is how the financial aspect isn't clear. My $1,800/mo is going down the drain currently. Even if my mortgage were $2,500/mo, I'd be essentially paying it to myself. Towards an asset. I'm giving the ...
by Luke Duke
Wed Jan 20, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is the better strategy? Daily/weekly or monthly purchase of index fund
Replies: 13
Views: 1182

Re: What is the better strategy? Daily/weekly or monthly purchase of index fund

avenger wrote:Otherwise, 2/3rds of the time, lump sum pays off better than DCA.


That's only if you lump sum at the beginning. Saving your money up for a year and then investing it at the end of the year wouldn't normally be better.
by Luke Duke
Wed Jan 20, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawl prior to divorce
Replies: 8
Views: 1181

Re: 401k withdrawl prior to divorce

A lot of plans do not allow prepayment on loans unless you pay the loan in full. You need to read your plan's loan document to confirm. Also, the available amount is determined by the loan document as well. You are limited to 50% of your vested account balance This is how mine works. I think that t...
by Luke Duke
Tue Jan 19, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Home automation experts
Replies: 14
Views: 1492

Re: Home automation experts

Here's a link to a home automation forum
http://cocoontech.com/forums/
by Luke Duke
Tue Jan 19, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4132

Re: Pizza Stone / Homemade Pizza Advice

I use this stone http://www.amazon.com/gp/product/B0000E19MW This is a good book. The dough and sauce recipes are good. http://www.amazon.com/gp/product/1580084222 I cheat and use one of these. It was much cheaper 4 years ago when I bought it. They work very well. http://www.amazon.com/gp/product/B0...
by Luke Duke
Thu Jan 14, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9825

Re: What age does LBYM (being a big saver) pay off?

betterfinances wrote:I'm wondering when in life being a big saver will pay off?


It will pay off when you choose to spend it.
by Luke Duke
Wed Jan 13, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6756

Re: Oil Changes turns into a disaster. What to do?

A car should only run out of oil if it is burning the oil or leaking oil. If its burning oil you'll notice blue smoke out of the exhaust. If its leaking oil you'll notice that when you park or if it hits the exhaust and burns. Catastrophic leaks are usually only caused by hitting something on the r...
by Luke Duke
Tue Jan 12, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6756

Re: Oil Changes turns into a disaster. What to do?

barnaclebob wrote:Current generations 4 runners don't have a normal stereotypical can oil fiter. The housing is permanent and you only replace the filter element.


This is called a cartridge filter.
by Luke Duke
Tue Jan 12, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6756

Re: Oil Changes turns into a disaster. What to do?

$15k for the engine? Get a quote from a place that is legitimate :oops: Also, all modern cars have a big red engine oil light which lights up whenever there is not enough oil. Take a little responsibility for your actions as well, driving a car for two weeks without oil is plain ignorance. The ligh...
by Luke Duke
Mon Jan 11, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do we need?
Replies: 5
Views: 553

Re: How much life insurance do we need?

Hi all.. my wife and I and trying to decide how much life insurance we should have. We both currently have life insurance through our jobs but were looking to purchase more from our Insurance company as well. We have 2 kids.. ages 16 (at home) and 21 (in college). I am 38 and my wife is 39. We owe ...
by Luke Duke
Thu Jan 07, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Child Care
Replies: 23
Views: 1274

Re: Need Advice - Child Care

A daycare doesn't have to be expensive to be good. Everyone wants the best for their kid and many people equate the best with the most expensive. A 3yr old kid doesn't need to be taught by someone with a master's degree to learn. A 3yr old kid doesn't care that their daycare is in the nicest part of...
by Luke Duke
Thu Jan 07, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5713

Re: Jackpot Now Estimated $700 Million, who's in?

By my calculations, the Powerball expected payout/ticket becomes positive when the cash value prize after taxes exceeds $287,277,346.59.

I used the odds in this article and played with the jackpot until the expected value = 0
http://www.businessinsider.com/powerbal ... lue-2015-2
by Luke Duke
Thu Jan 07, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Cheap source of Science Diet Optimal Care cat food?
Replies: 25
Views: 1322

Re: Cheap source of Science Diet Optimal Care cat food?

HoopDiddyDiddy wrote:Most veterinarians trained in the USA receive approximately two hours worth of instruction in nutrition, and all of the study materials they receive are provided for by.... you guessed it, Hills.
And, being human, they only know what they have been taught.


I was going to post the same thing.
by Luke Duke
Tue Jan 05, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 3534

Re: What to do with my Audi A3 TDI

I'm also afraid that long term the US will sell fewer and fewer diesel cars and getting diesel gas will become difficult. Do you have one spec of data that backs this up? Every year there are more and more diesel cars/trucks available in the US. With fuel economy mandates this will probably continue.
by Luke Duke
Fri Jan 01, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

Good points! I think those who posted here have some basic knowledge of safe handling, but others who read it may not. I am not sure how low my oven goes, but it is probably lower than 160, and I wouldn't suggest folks start that low (but I haven't done the reverse searing). Here is a useful chart....
by Luke Duke
Mon Dec 28, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Uber vs Lyft
Replies: 8
Views: 1311

Re: Uber vs Lyft

protagonist wrote:Lyft offers coupons for $50 off first ride....Uber offers only $20 off.


I think that the Lyft offer is $10 off of your first 5 rides within a couple of weeks of signing up.
by Luke Duke
Mon Dec 28, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

All this food sounds delicious! However, I would suggest that people also research safe food handling so they are at least aware of possible dangers before proceeding with long-time out of refrigerator and very low oven temps for meats. Smaller pieces and ground meats would probably require greater...
by Luke Duke
Wed Dec 23, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

.....There is some confusion with this cut. The prime in "Prime rib" is different from beef grades (prime, choice, select, standard/commercial). Prime rib, the roast, can actually com in prime, choice, or select grades. Source, please, for your citation here? Are you speaking as a consume...
by Luke Duke
Tue Dec 22, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

You are correct. I just noticed that. The term resting is usually means post-cooking.
by Luke Duke
Tue Dec 22, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

A couple years ago I took my roast out of the refrigerator, put a probe in it, and let it sit at room temperature for 2 hours or so. I was stunned at how little the temperature increased. Maybe 1 or 2 degrees. I am not convinced of the benefit of letting it rest. But I am certain it doesn't hurt, s...
by Luke Duke
Tue Dec 22, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7867

Re: Beef roast

A couple years ago I took my roast out of the refrigerator, put a probe in it, and let it sit at room temperature for 2 hours or so. I was stunned at how little the temperature increased. Maybe 1 or 2 degrees. I am not convinced of the benefit of letting it rest. But I am certain it doesn't hurt, s...
by Luke Duke
Tue Dec 22, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: How do you handle auto care? (for a non-DIY'er)
Replies: 54
Views: 3796

Re: How do you handle auto care? (for a non-DIY'er)

It does seem important to both shop around and make an effort to learn enough to detect obvious trickery. I just had my VW in the dealer for service, using my $500 dealer credit for having a "clean" diesel. The service coordinator called to urge me considering getting the DSG transmission...
by Luke Duke
Mon Dec 21, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help this Chicago firefighter figure out the chances I'll get killed...
Replies: 20
Views: 2161

Re: Help this Chicago firefighter figure out the chances I'll get killed...

OnFire wrote:My wife has about $500,000 in term.


It sounds like she is underinsured.
by Luke Duke
Fri Dec 11, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Ship car from overseas or sell it?
Replies: 7
Views: 592

Re: Ship car from overseas or sell it?

I would sell it given the information that you have provided.

loan + shipping cost > value of vehicle
loan + shipping cost + shipping hassle >> value of vehicle
by Luke Duke
Thu Dec 10, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Tire Road Hazard Protection - OK or Scam?
Replies: 17
Views: 892

Re: Tire Road Hazard Protection - OK or Scam?

I have always bought road hazard and I have definitely come out ahead. I have had at least one and sometimes two tires in a set replaced due to an irreparable flat. I highly recommend buying all of your tires at Discount Tires if there's one in your area.
by Luke Duke
Mon Dec 07, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 11036

Re: Flaunt Your High-Mileage Car

2004 Toyota Highlander - 225K
2003 Ford Excursion - 185K
by Luke Duke
Mon Dec 07, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: exterior timer for Christmas lights
Replies: 10
Views: 591

Re: exterior timer for Christmas lights

I've used this one for several years with no problems.
http://www.amazon.com/dp/B000BHN4H8/
by Luke Duke
Fri Dec 04, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Visited friends in California...Now I want home automation too!
Replies: 46
Views: 4023

Re: Visited friends in California...Now I want home automation too!

I'm soon planning on upgrading our doorbell to a "smart doorbell" with built-in video camera. At $200 it's a great alternative for outdoor security cameras. http://ring.com/ I don't see the value in this. There is definitely value in it. In my neck of the woods a common burglar tactic is ...
by Luke Duke
Tue Nov 24, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity Care with HDHP
Replies: 13
Views: 1080

Re: Maternity Care with HDHP

My wife and I would like to go with one of our employer's HDHP options. We're considering having children within the next couple years and while we're not planning for pregnancy/childbirth in 2016, I'm looking through the coverage, just in case. Searching through past threads, many people say that ...
by Luke Duke
Mon Nov 23, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 64
Views: 8955

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

My family is covered by a HDHP through my employment. (It is the most economical choice for almost all situations, as the monthly premium is hugely lower than the other plans available, to the point where it nearly makes up for the difference in deductible, and then the company also kicks in a smal...
by Luke Duke
Mon Nov 23, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: helping oversea friends paying clients online - any issues?
Replies: 13
Views: 764

Re: helping oversea friends paying clients online - any issues?

Have your friend setup their own PAyPal account.
by Luke Duke
Mon Nov 23, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 3764

Re: Yeti cooler - Worth the money?

Take a look at RTIC coolers: https://www.rticcoolers.com/assets/images/rtic/compare-rtic65.jpg https://www.rticcoolers.com/compare-rtic-65-to-yeti-tundra-65-cooler I would hesitate to give Rtic my money at this point. I pre-ordered one about 2 months ago. My estimated shipping date was 11/30. Withi...
by Luke Duke
Mon Nov 23, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 2667

Re: Need New Carpet to Sell Home

Unless your current carpet is terribly dirty, most buyers would be able to look past it knowing they have the option to put in exactly what they want. Thank you. Yes, I agree and if it were my decision alone i would choose not to replace the carpet and provide a credit. However, one of us cannot ge...
by Luke Duke
Mon Nov 16, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 28
Views: 2028

Re: Replace or repair dishwasher

Bosh and KitchenAid were the top 2 brands a few years ago when I was in the market. I went with a KitchenAid because I liked the way the racks were laid out vs the Bosch. I have no complaints. The only way that I know that its running is when the light is on.
by Luke Duke
Tue Nov 03, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Only one telephone jack in the house is working...
Replies: 26
Views: 2157

Re: Only one telephone jack in the house is working...

I noticed that the wired phone on my home office desk had no dial tone when I picked it up to make a call a few hours ago. Went to another phone in the guest bedroom - it had no dial tone either. Tried the one in the master bedroom - it worked. Plugged in the office and guest bedroom phones into th...
by Luke Duke
Mon Nov 02, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6130

Re: Oil change - Auto shop or DIY

I've got to say I don't get the appeal of a fumoto valve, for a boglehead. They're just too expensive for a boglehead - like an excessive expense ratio - and won't necessarily transfer to future cars. They cost less than $1/oil change over the life of the vehicle. The save me from having to remembe...

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