Search found 1030 matches

by Tamales
Fri Apr 28, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to AllDataDIY (car diagnostic and repair info)?
Replies: 0
Views: 104

Anyone subscribe to AllDataDIY (car diagnostic and repair info)?

With coupon, $14.95 for a 1 year subscription seems reasonable if their database is fairly complete.
Has anyone subscribed before, and did you find the info complete?
by Tamales
Fri Apr 28, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Has anyone used Carvana (car vending machine) to buy a car?
Replies: 3
Views: 824

Re: Has anyone used Carvana (car vending machine) to buy a car?

While watching CNBC this morning, I see Carvana did their IPO today (ticker CVNA).
by Tamales
Tue Apr 25, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

As far as I've researched, only a few cars have started doing [lane keeping assist] this year and Tesla is obviously the most advanced commercial product out right now. Doing a quick search, there are apparently many cars with some form of lane keeping assist (or lane departure warning; probably go...
by Tamales
Tue Apr 25, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

I agree 100% that the computers can handle the evaluations more quickly/accurately on what the best course of action is situation-to-situation. My hesitation with all this is that the rules for the computers' decisioning situation-to-situation will be set by humans, and I'm not sure how those rules...
by Tamales
Mon Apr 24, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

You can look at how self driving cars have progressed since the first Darpa grand challenge in 2004 to now and the progress is totally insane. We are probably like 95%+ of the way to the self driving car. The hard part is figuring out is that last 5% solveable or not. Deep learning over the last 5 ...
by Tamales
Mon Apr 24, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 873

Re: Need a "grabber" on a telescoping pole...

10 feet would probably reach everything I need to reach, but 8 feet might work. Good question on strength. I think full-length ceiling batts are often stapled into place when the house is being framed, but these batts I can't get to are mainly less than full length pieces so I think those are often ...
by Tamales
Mon Apr 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 873

Need a "grabber" on a telescoping pole...

I need some sort of "grabber" gizmo on a telescoping pole, so I can grab insulation batts and pull them out, in parts of my attic at the outer edges where there isn't clearance to crawl in and get to the batts directly.

Anyone know of such a thing?
by Tamales
Mon Apr 24, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

People underestimate the speed of tech advancement. 10 years ago the iPhone didn't exist, and Facebook had just opened up the site to the public for the first time. 20 years ago less than 2% of people used the internet and only 4% had cell phones. I wouldn't underestimate the speed of tech change. ...
by Tamales
Fri Apr 21, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6357

Re: Removing a tree - expensive!!!

Roughly what's the diameter at the base? If they can cut it off fairly close to the ground, say 6" or so, and assuming you don't have these tools, you can rent a drill with massive torque like a Milwaukee Super Hawg (or buy one and sell it afterwards) and buy a ship auger bit (~1" diameter...
by Tamales
Thu Apr 20, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 34
Views: 4177

Re: How inefficient is it to hold Total Bond Index in a taxable account?

Theoretical wrote:For taxable bonds, ETFs have a major advantage over mutual funds because of how they deal with capital gains.


Has anyone ever run numbers to quantify the actual significance of this advantage of ETF bond funds over mutual funds?
by Tamales
Wed Apr 19, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 135
Views: 11491

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

There are lots of possible scenarios, and doing nothing is not always an option. To some extent it depends on whether you have a type of job where your boss just barks out orders and assigns specific tasks, versus a job where most tasks are fuzzy and evolve based on things you learn along the way an...
by Tamales
Wed Apr 19, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2413

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

no, it's free money with relatively low risk., no? If your employer stock holdings are only a small percentage of your net worth I don't see an issue. No, it's not free money when you are subject to a 6 month holding period. Especially with only a 5% discount, the odds of ending up with a loss afte...
by Tamales
Wed Apr 19, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2413

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

Many companies use to do a 15% discount off the lower of the stock price at the beginning or end of the quarter. Those were the days. After companies were required to expense stock-based compensation, most companies dropped the discount to 5% (and eliminated the lower of beg or end of quarter look ...
by Tamales
Tue Apr 18, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4231

Re: What is the max SS income you could receive this year?

This may be silly, but does everyone who worked the requisite number of years at SS ceiling-or-above salary get the same max SS benefit, regardless of which year they retired? If I understand your question, no because if they are different ages, they will have different numbers of years in their an...
by Tamales
Tue Apr 18, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4231

Re: What is the max SS income you could receive this year?

With the NAWI (national average wage index) at $46481.52 That is 2014 NAWI. 2015 NAWI is 48,098.63. 2016 NAWI will not be released until September/October timeframe. So we don't yet know the NAWI for someone who turned 60 in 2016 (as my DW did). That's because the date of the post you quoted was ap...
by Tamales
Tue Apr 18, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4231

Re: What is the max SS income you could receive this year?

The FRA went up this year so there are fewer months to collect DRCs. This decreases the difference between benefits at FRA and at age 70. I may not understand how that works, but for a person reaching FRA this year, aren't they still within the 11 year range where FRA remains flat at 66, for anothe...
by Tamales
Tue Apr 18, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4231

Re: What is the max SS income you could receive this year?

From the SSA FAQ: "The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2016, your maximum benefit would be $2,639. However, if you retire at age 62 in 2016, your maximum benefit would be $2,102. If you retire at age 70 in 2016, your maximum b...
by Tamales
Mon Apr 17, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2570

Re: "Vanguard's free RMD Service: Sign up before you turn 70½"

The IRS will usually waive the penalty if the late RMD is first removed and a 5329 filed to request the penalty be waived due to reasonable cause. The IRS has been accepting just about any reason including "I forgot and it will not happen again". My mom did not take her RMD in 2015, filed...
by Tamales
Mon Apr 17, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1428

Re: How to evaluate your Personal Rate of Return?

I also use that same spreadsheet, but I don't see the value in comparing to the expected rate of return. I am already picking the lowest-expense ratio funds that meet my criteria, minimizing taxes via placement in taxable vs tax-advantaged, tax-loss-harvesting when appropriate, rebalancing, and sta...
by Tamales
Sun Apr 16, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Got a RSU What is it [Restricted Stock Unit]
Replies: 12
Views: 983

Re: Got a RSU What is it [Restricted Stock Unit]

You company should describe their RSU plan in a document somewhere. I've never heard of a 10 year delay option and I'm not sure what reason there would be to exercise that option. In simple terms, you got nothing (i.e. it's restricted) until the grant vests, at which point the shares become unrestri...
by Tamales
Sun Apr 16, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23577

Re: Low-earners- What is your profession?

Another useful site is http://statisticalatlas.com/United-States/Overview Thanks for posting that link. Quite a treasure trove of stats. Once you click down to a city, and select household income, I especially like the "Map of Household Income by Tract" (referring to census tract) where y...
by Tamales
Sat Apr 15, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 1867

Re: How does family of 4 spend $1,500/mo on groceries?

A gal I know is always talking about how stressed she is around money. They live above their means, especially with having bought a house priced well above what they could afford. Can I ask how you know this information (it implies you have detailed knowledge of their full financial picture)? The f...
by Tamales
Sat Apr 15, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4040

Re: What do you do with your coins?

bluebolt wrote:You can do this with your coins:

https://www.youtube.com/watch?v=GdKM4FvGGPY


Good thing they covered it all with clear epoxy, because the smell of all those pennies tarnishing would have been awful.
by Tamales
Wed Apr 12, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Any Google Earth Pro users? (displaying shapefiles)
Replies: 2
Views: 245

Any Google Earth Pro users? (displaying shapefiles)

Apparently Google Earth Pro (formerly $399) is now free (as of early 2015 I guess). I have some shapefiles (as zip files that each contain several files, the largest of which are .shp and .dbf files) that are supposed to represent the outlines of various partitionings of the US (into states, countie...
by Tamales
Wed Apr 12, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Removing Outdoor Carpet
Replies: 3
Views: 266

Re: Removing Outdoor Carpet

You could also look for youtube videos on removing sheet vinyl and associated glue. Similar considerations but probably more videos on that. Like most things, probably several ways to approach it depending on what tools/chemicals you have (or can rent/buy) or are comfortable with using. Also if the ...
by Tamales
Wed Apr 12, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: My more accurate way to figure expenses
Replies: 5
Views: 676

Re: My more accurate way to figure expenses

When I see people figuring out what their expenses are I often see people listing out mortgages, utilities, car loans, etc... I do it based on how much I take home per week minus how much my accounts grow. So the way I see it is I have annual expenses of about $35,000 annually. If I had to trim tho...
by Tamales
Wed Apr 12, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3024

Re: Windows-10 "upgrade" coming April 11. What to disable?

I got a forced update of some "pre-creators-update" installed last night, even though I have windows 10 Pro and under Settings > update & security > advanced options, I have "defer feature updates" checked (which is supposed to delay (by 4 weeks I think) any planned updates).
by Tamales
Mon Apr 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3024

Windows-10 "upgrade" coming April 11. What to disable?

Apparently they are calling it the "creators update," and have an even larger update coming later in the year.

I know some people here delve into these things for a living. Any recommendations on settings/features to check or disable after the creators update is forced upon us?
by Tamales
Sun Apr 09, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2680

Re: Backyard shed, wood or "plastic"?

Consider the location too. If it has to be in the path of drainage during heavy rains and you pour a slab, put deco drain strips in the slab.
by Tamales
Sun Apr 09, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2680

Re: Backyard shed, wood or "plastic"?

What size? Do you have (or plan to get) a slab for it? I had a 6'x12' wood shed that lasted about 15 years, replaced with a galvanized painted steel shed (I believe the paint is baked on the panels, and comes in a limited range of colors) since the wood shed began deteriorating around 10 years. The ...
by Tamales
Sun Apr 09, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23577

Re: Low-earners- What is your profession?

Half of Americans make less than 30k a year! http://www.zerohedge.com/news/2015-10-21/goodbye-middle-class-51-all-american-workers-make-less-30000-year You can find any dismal statistic you'd like if you search long enough or mine the data. That number is just based on a tally of everyone that gets...
by Tamales
Sun Apr 09, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax] software asks driver license number
Replies: 15
Views: 1379

Re: [Tax] software asks driver license number

I saw that request in Taxact for the first time this year. It said providing it was optional so I skipped it, but later it wouldn't let me complete my filing without entering it. I filed state and federal simultaneously, and the IRS doesn't require it yet, and I checked and my state doesn't require ...
by Tamales
Sat Apr 08, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Helping parents/grandparents while raising kids
Replies: 42
Views: 2930

Re: Helping parents/grandparents while raising kids

Often times the female siblings are not working (for income, I mean) and you can't very well expect their husbands to contribute, especially if their husbands have similar concerns about their own parents. So for many families the financial contributions come down to the male siblings, and even ther...
by Tamales
Sat Apr 08, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 92
Views: 6925

Re: How does one determine their "number" and what exactly does it mean?

Frankly, it's a challenge to be helping someone in their mid 80's figure out their "outlive their money" number (even if they are currently healthy for their age, have frugal and consistent living expenses but poverty-level of social security income and no other income to speak of, and ver...
by Tamales
Fri Apr 07, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1813

Re: Top tape measures

I must have a dozen different tape measures ranging from a half-dollar sized 3' stanley, several auto-return types in different sizes in the 10-30 foot range, and a manual crank 75 footer. Plus a Hilti laser measurer that must be close to 15 years old that measures up to 600 feet with 1/16" acc...
by Tamales
Thu Apr 06, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Carvana (car vending machine) to buy a car?
Replies: 3
Views: 824

Has anyone used Carvana (car vending machine) to buy a car?

I saw a segment on Carvana on the PBS show "Motorweek" (link to video: http://www.motorweek.org/features/fyi/car-vending-machine ). Pretty interesting concept, beyond the "vending machine" gimmick. They provide 360* photos and according to Motorweek's segment, they provide very d...
by Tamales
Thu Apr 06, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 524

Re: QR Code/Bar Code Readers?

Thanks for the replies. I guess I'm not missing out on anything. One thing I've noticed--and I guess Costco is the only place I've noticed with regularity--is nearly every time I'm there I see people scanning products. Maybe they are spies from competitors; who knows. I wonder if there'd be any use ...
by Tamales
Thu Apr 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 524

QR Code/Bar Code Readers?

If you have a QR reader installed on your smartphone, what do you use it for, and how frequently do you use it? How about bar codes? I don't have one installed, but recently needed a scan from a car battery (I took a photo and sent it to someone to read it), which got me wondering if it's useful to ...
by Tamales
Wed Apr 05, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10438

Re: Virtual Private Networks (VPNs)

BUT... the mere fact that the ISPs and Congress have made this such a big deal and used incredibly strange justifications to do it (!), is cause enough for concern. ;) :? (!) For those who don't know, one of the justifcatons was that consumers would have more privacy since they wouldn't be "co...
by Tamales
Wed Apr 05, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10438

Re: Virtual Private Networks (VPNs)

The point of this thread (frequently missed) is privacy from one's ISP. Didn't read the whole thread, but Congress did not change anything with their repeal of FCC regs that would have required opt in, that had not yet gone into effect . So the sudden concern with privacy is misplaced. The same con...
by Tamales
Wed Apr 05, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10438

Re: Virtual Private Networks (VPNs)

The point of this thread (frequently missed) is privacy from one's ISP. Didn't read the whole thread, but Congress did not change anything with their repeal of FCC regs that would have required opt in, that had not yet gone into effect . So the sudden concern with privacy is misplaced. The same con...
by Tamales
Mon Apr 03, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Value of your social security tax contributions "account"
Replies: 15
Views: 1603

Re: Value of your social security tax contributions "account"

I pay into the system some knowable amount my whole working life, and so do many other people. If you have more that 35 years of work history, the excess is paid in at zero return. Collectively it earns an ongoing annual return (and this is all my question is about--whether the interest rate numbers...
by Tamales
Mon Apr 03, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Value of your social security tax contributions "account"
Replies: 15
Views: 1603

Re: Value of your social security tax contributions "account"

I see the link I posted doesn't capture selections made in the prior screen.
Here's the starting point: https://www.ssa.gov/oact/progdata/investheld.html

In the "time series report" section, I picked OASI, annual, all years.
by Tamales
Mon Apr 03, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Value of your social security tax contributions "account"
Replies: 15
Views: 1603

Value of your social security tax contributions "account"

I was curious to take my SS taxable earnings history, apply the percent SS tax in effect each year to get the amount I paid in to "my account" each year, double it for employer contributions, and then find the cumulative return based on some list of annual return percentages. I found this ...
by Tamales
Mon Apr 03, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23577

Re: Low-earners- What is your profession?

Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable? Is it simply living in the most frugal way possible (bulk cooking, beat-to-death vehicles, lower-end housing etc...), and t...
by Tamales
Sun Apr 02, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23577

Re: Low-earners- What is your profession?

My spouse is an engineer and has always made less than $100K a year her entire life and she is still working full-time. I teach. We make under $100K a year combined. We have a kid in college and one launched. I thought for sure you must be retired, given all your posts here. Are you close? What typ...
by Tamales
Sun Apr 02, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2007) Question
Replies: 9
Views: 965

Re: Excel (Office 2007) Question

2007 is too many versions ago to remember what that version did or did not do, but if it has some equivalent of "trace precedents" and "trace dependents" maybe that will point to something to help figure it out. Or maybe "show formulas" will make something stick out.
by Tamales
Fri Mar 31, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3415

Re: Do I need new tires?

Every car owner should own one of these. You'll have it for life. https://www.amazon.com/Milton-S-448-Tread-Depth-Gauge/dp/B0002STSQM/ref=cm_cr_arp_d_product_top?ie=UTF8 I'm not so sure on the "you'll have it for life" point. Eventually, the friction mechanism wears out and the center pos...

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