Search found 400 matches

by iamlucky13
Thu Jul 27, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 36
Views: 2958

Re: Why is everything done with a mouse?

But keyboard shortcuts use the outlier keys like Ctrl, which causes a touch-typer to stretch their little finger to hit Ctrl. I find that awkward and I usually miss the key. It's way harder than hitting the Shift key. That's true, but it's still easier than switching to the mouse. Some shortcuts ge...
by iamlucky13
Thu Jul 27, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 36
Views: 2958

Re: Why is everything done with a mouse?

I've never understood the fascination with keyboard shortcuts. It's a memory load having to retain the shortcuts in memory. It's an eye-hand coordination problem trying to get the keys pressed properly. A mouse is so much easier. For things you do regularly, there is no memory load. It becomes ingr...
by iamlucky13
Thu Jul 27, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 58
Views: 3055

Re: WiFi Thermostat?

It depends entirely on whether you actually want to tinker with your thermostat settings more frequently than what your programmed schedule, or other than when coming and going from the house and taking a second to stop by the thermostat, which if you're already up is probably quicker than finding y...
by iamlucky13
Thu Jul 27, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 36
Views: 2958

Re: Why is everything done with a mouse?

I have no mouse on my smartphone, on which I'm writing this. Perhaps put the PC to sleep and come into the modern computing environment? That's effectively the same point and click concept, however, so it doesn't address the OP's frustration. Also, touchscreens are a compromise that mobile devices ...
by iamlucky13
Thu Jul 27, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 36
Views: 2958

Re: Why is everything done with a mouse?

Mice are conceptually extremely simply. When you see what you want, you click on it. The same for touch screens. This accommodates the largest number of users. This is implemented consistently in browsers. Keyboard shortcuts require you to learn a little bit more. It also requires coordination betwe...
by iamlucky13
Thu Jul 27, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 73
Views: 3472

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

What seat shape or additional support is comfortable is often a highly individual matter, so I don't think we can offer much more than ideas to try that worked for some of us. There's never a guarantee they'll work for you. Somebody else mentioned headrests, which was something I experienced minor i...
by iamlucky13
Tue Jul 25, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4046

Re: How much electricity are you using and how expensive it is?

I've never understood heatpumps for really cold climates... they just don't work down that low. They work. Their efficiency declines, and you obviously need a larger system or more frequent auxiliary heat use compared to warmer climates, but they usually are putting out more heat than the energy th...
by iamlucky13
Tue Jul 25, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7769

Re: Anyone else extremely frugal?

There is no domestic premium economy. On tatl/tpac I definitely buy PE, or J, when the difference is only a few hundred dollars. Overall, I stick to one airline alliance, even at the cost of paying some flights a little more, but the rewards of higher elite level make a huge difference in the exper...
by iamlucky13
Tue Jul 25, 2017 2:21 am
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 30
Views: 2122

Re: College student daughter got her car totaled. Advice?

Likely very little room to negotiate. Upshot is that you should get a "fair" price. They have to reimburse you what it would cost to buy the vehicle, not what it's worth on the open market, so the price should equal what you'd pay from a dealer for that car, including tax, license, etc. I...
by iamlucky13
Mon Jul 24, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Best Way to Sharpen Tools
Replies: 11
Views: 1072

Re: Best Way to Sharpen Tools

I wouldn't use a bench grinder for pruning shears even with a fine wheel. You want to maintain a fairly even edge there. They're great for mower blades and acceptable for maintaining a basic edge on splitting axes though. Should be fine for a shovel, too, but I never sharpen mine. On a similar vein,...
by iamlucky13
Mon Jul 24, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7769

Re: Anyone else extremely frugal?

I - I fly economy. Me, too. Flying economy is one of the frugal habits I doubt I could ever break myself of. The per hour cost premium of business or first class is usually a significant amount more than my pay, and while economy is not pleasant, there are numerous worse discomforts in life. It's d...
by iamlucky13
Mon Jul 24, 2017 3:36 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13295

Re: Are you finding any good values at Amazon anymore?

No mention of the egregious increase of your human footprint with all that packaging for each and every order? The gas I save more than makes up for the oil that gets turned into polyethylene for the air-filled bags. And, the cardboard is all recyclable. Not to mention the fact that making the stuf...
by iamlucky13
Mon Jul 24, 2017 1:18 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7769

Re: Anyone else extremely frugal?

Compared to most people I know, I'm extremely frugal. I guess compared to several posters here, I'm pretty moderate. I never skip meals to save money. It's not even feasible with my metabolism. But I often do things like go grocery shopping on work trips to save money even though I'm getting per die...
by iamlucky13
Mon Jul 24, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

Anything by Charles Darwin is not on my list... I could have done without David Copperfield. I wouldn't say not to read it, but it seemed sort of like a personal fantasy how he wished he'd overcome the challenges of his own life rather than a any sort compelling or remarkably interesting story. A T...
by iamlucky13
Sun Jul 23, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 1033

Re: Best value used sailboat 22-27 feet

I'm not a sailor, but I enjoyed spending time with my grandpa, who was, so pardon the possibly half-educated question. Shouldn't you first narrow down whether your want a fixed deep keel for better stability, especially since you want to operate in semi-open water, or a retractable centerboard/dagge...
by iamlucky13
Sun Jul 23, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4046

Re: How much electricity are you using and how expensive it is?

I just checked our last 12 months bills, which were colder than normal - 1360 kWh/month average. Currently 10.2 cents/kWh. - 1800 sq. ft. 1-1/2 story 1983 vintage Whereabouts do you live? Any idea of heating and cooling degree days? Greater Seattle area, Washington state. We have about 4500 heating...
by iamlucky13
Sun Jul 23, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3407

Re: Healthiest Beer for the Buck

If you want a relatively lightly flavored, lower alcohol craft beer, then consider pale ales, hefeweizens, pilsners, or those advertised as "session" beers (below 5% ABV). If you don't like strong hop flavors, which are usually somewhat bitter, look to see if an IBU rating is listed. IBU's...
by iamlucky13
Sat Jul 22, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13295

Re: Are you finding any good values at Amazon anymore?

Clueless guy here. What types of products are susceptible to being replaced with knockoffs, and how do you know you've gotten one? I've seen a lot of reviews over the years where someone mentions receiving a different version of the product, or it's an "off brand" instead of the brand the...
by iamlucky13
Sat Jul 22, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 23115

Re: Netflix, Your Current Favorite Show

There's so much variety I have trouble picking specific favorites. Cheers is what we're currently watching though. We recently finished Star Trek: The Next Generation, and I was pleasantly surprised that my wife actually really liked the optimistic sci-fi genre that Roddenberry typified and wasn't t...
by iamlucky13
Sat Jul 22, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

Anything by Charles Darwin is not on my list. On the other hand, Faulkner is an acquired taste. It helps to read a commentary along side. It's not casual reading but it's worth the effort. The Great Gatsby is something I read and enjoy every few years. I could have done without David Copperfield. I...
by iamlucky13
Sat Jul 22, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

It has been my experience as a lifelong reader that you just can't love (or like) every book you read-- in many cases because we all have our own tastes and limitations. But it doesn't follow from the premise that you can't love (or like) all books that you are obliged to tell folks not to read the...
by iamlucky13
Sat Jul 22, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4046

Re: How much electricity are you using and how expensive it is?

I can't believe how high some of the electric bills are. I live in an 835 square foot all-electric apartment, and our electric bill has never exceeded $55, all-in. Our kWh usage has never exceeded 811 in any month, whether the average monthly outside temp is 100 or 15. We do keep the a/c at 74 duri...
by iamlucky13
Sat Jul 22, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4046

Re: How much electricity are you using and how expensive it is?

Hm, good idea. June - 1946 kwh (actual reading) June - 1763 kwh (prorated reading?) May - 1193 kwh (actual reading) April - 5887 kwh (estimated reading) March - 5887 kwh (estimated reading) February - 630 kwh (estimated reading) January - 5888 kwh (estimated reading) December - 10998 (actual readin...
by iamlucky13
Sat Jul 22, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4046

Re: How much electricity are you using and how expensive it is?

The national average includes the 56% of households using natural gas for heat, and quite a few in more temperate locations than Pennsylvania. I just checked our last 12 months bills, which were colder than normal - 1360 kWh/month average. Currently 10.2 cents/kWh. - 1800 sq. ft. 1-1/2 story - 1983 ...
by iamlucky13
Sat Jul 22, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 119
Views: 6694

Re: Is Amazon Prime worth it?

I think it's more likely to be worth it if you're regularly ordering small items from Amazon than trying to justify it with one large purchase. Personally, I'd rather just let items accrue in my shopping cart until they hit the level where they actually ship free, rather than paying for shipping ahe...
by iamlucky13
Fri Jul 21, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1866

Re: How is U-Haul for getting a trailer hitch?

This thread reminded me that I never added a hitch to my wife's Highlander. I just checked U-Haul rates and it was $224 +tax w/ free shipping, or add $105 for install. Amazon has the Curt brand hitch plus wiring harness for ~$171 w/ free shipping. Rust is not a concern for me in the deep south. I c...
by iamlucky13
Fri Jul 21, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 7873

Re: Larry Swedroe: REITs Aren't Special

Larry's articles tend to be a little bit above my level of financial education, so again here, I'm not clear why I should care whether REIT's fit a specific technical definition of an asset class - or even why being able to replicate them with a mix of two existing asset classes (heavily tilted) is ...
by iamlucky13
Fri Jul 21, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 25
Views: 2168

Re: Continue stock picking or invest in index funds

My fidelity funds you should be able to see in the photo in the first post. I initially had 10% of my entire portfolio in my high-risk fund but the value has grown to about 17%. Sounds like you're 83% in mutual funds then, or am I misreading you? 17% is a bit high for my tastes, but you got there t...
by iamlucky13
Fri Jul 21, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1866

Re: How is U-Haul for getting a trailer hitch?

Warranty is not an issue unless the manufacturer can demonstrate the hitch caused whatever failure they're challenging the warranty coverage of. It should be fine for infrequent towing without a transmission cooler unless they're doing long drives near the rated load in the mountains. The OP does n...
by iamlucky13
Thu Jul 20, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1866

Re: How is U-Haul for getting a trailer hitch?

Looks like U-Haul has the hitch I'm interested in putting on a new 2017 Honda CRV and reasonably priced, about $275 for hitch and wiring installed. Honda dealer wants about $700-$800 for same. Wondering if these guys are any good and I should trust them to put a hitch on a brand new pristine vehicl...
by iamlucky13
Thu Jul 20, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Bogle is pro-SCV!
Replies: 36
Views: 3813

Re: Bogle is pro-SCV!

I don't tend to keep close track of what Mr. Bogle is saying at any given moment, and given how consistent his message is, I don't generally feel I'm missing out on much by doing so. But I thought his position has always been that there is nothing really wrong with small cap and value stocks, but th...
by iamlucky13
Thu Jul 20, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1866

Re: How is U-Haul for getting a trailer hitch?

Both dealer service shops and OEM parts distribution tend to both be high overhead businesses. OEM hitches seem often to be a bit more refined in their design, particularly the way they connect to the frame, and the volumes aren't very high. All that contributes to high labor costs and high part cos...
by iamlucky13
Thu Jul 20, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5062

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

100LL is Low lead, and contains way less led than the leaded autogas that was in use when my mower was manufactured. The lead is actually better for some old engines, and will not harm your mower unless it has a catalytic converter :wink: That is not generally true. As lead is used mainly as an oct...
by iamlucky13
Thu Jul 20, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

Spending time finishing unnecessary, useless books is an enormous waste our most precious resource: Time. You don't have to eat an entire apple to know that it's rotten. People waste time on a lot less beneficial things than trying to understand why a certain classic is considered a classic. Some p...
by iamlucky13
Thu Jul 20, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3621

Re: Investing well for Retirement can be frustrating

I suppose I have a different mentality than you. A nice car doesn't strike me as an achievement of mine, but of the engineers and workers who designed and built it. Financial security is an achievement of mine, though, and a personal one I've never really felt I needed affirmation for. I kind of lik...
by iamlucky13
Thu Jul 20, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 78
Views: 10226

Re: Capital One $400 bonus for new checking account

CapitalOne and Ally money market deposit accounts return guaranteed interest, and are FDIC insured. VMMXX is a money market mutual fund with variable returns, and a very slight risk of decline in value, as I understand it. I presume VMMXX should over the long term outperform money market deposit acc...
by iamlucky13
Wed Jul 19, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 78
Views: 10226

Re: Capital One $400 bonus for new checking account

I just don't get it. They keep ramping up the rewards for being an unloyal customer, while the interest rate stays stagnant. At this point, it would not take much more of a rate increase on Ally's part to finally get me to ditch CapitalOne. The only reason I'm still with CapitalOne is because I'm s...
by iamlucky13
Wed Jul 19, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 25
Views: 2168

Re: Continue stock picking or invest in index funds

The overwhelming advice you will get on this site is to switch to index funds. There are a lot of members who have play money investments in individual stocks, but the overwhelming majority is in index funds. For myself, for example, when I say "play" money, I really mean play as in little...
by iamlucky13
Wed Jul 19, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

The Sound and Fury by Faulkner It's the only classic I've read so far that I've despised. I knew going into it that the writing technique was experimental and intentionally challenging. I was able after a while to generally keep track of what was going on in the story, but it was so much effort to ...
by iamlucky13
Wed Jul 19, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

<blasphemy> I may be in the minority on this board, but I would not recommend Millionaire Next Door to anyone. Great book if you want to be made to feel like a worthless bum. "Don't buy $5,000 suits, buy $1,000 suits," is the kind of thing that fills the book. So, first of all, "spen...
by iamlucky13
Tue Jul 18, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11140

Re: Books not to read.

<blasphemy> I may be in the minority on this board, but I would not recommend Millionaire Next Door to anyone. Great book if you want to be made to feel like a worthless bum. "Don't buy $5,000 suits, buy $1,000 suits," is the kind of thing that fills the book. So, first of all, "spen...
by iamlucky13
Tue Jul 18, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Physicals and Forms for Kids Activities
Replies: 12
Views: 736

Re: Physicals and Forms for Kids Activities

However, some sports and more "uppity" programs have their own form that requires a physical to be done when the form is filled out. This is nuts. You doctor decides how often a physical is necessary, not a camp. They should accept an older physical plus a note from the doctor that says &...
by iamlucky13
Tue Jul 18, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5062

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Do people really change their oil that much? I bought my Toro from the previous owner, he used it for 3-4 years, I have had it for 8 years. I have changed the oil maybe twice? Runs like a champ. I forget pretty regularly with my mower, but that is the manufacturer recommendation. $5 of oil and 30 m...
by iamlucky13
Tue Jul 18, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Scan negatives or the photos?
Replies: 16
Views: 1545

Re: Scan negatives or the photos?

Do you think there's any benefit to having a professional scan old photos for me instead of doing it myself, assuming we are both using the same scanner? It doesn't seem like rocket science to me, but I might be wrong. I've had difficulty in the few I've scanned just using a consumer scanners with ...
by iamlucky13
Sun Jul 16, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3463

Re: what's your secrete to cleaning inside car windows?

It was very hard to get the interior surface of the windows clear on our new 2015 Audi. There was an oily film that would only smear as you tried to clean it. After researching with google, I learned new car interiors (dash, console and door panels) give off a gas that causes the film. In time the ...
by iamlucky13
Sun Jul 16, 2017 4:04 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 47
Views: 4688

Re: Is now time to move into international stocks?

I'm sympathetic to the notion that right now seems like a good time to increase international weightings, but I'm not going to really advocate it, as I haven't even convinced myself this sort of very high level market timing is a good idea. I will say more confidently it's a bad idea if you're think...
by iamlucky13
Sun Jul 16, 2017 3:54 am
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 3786

Re: Is the Total US Stock Market too concentrated?

This might leave an investor who invests in 100% US stocks exposed to certain sectors and not adequately diversified. Could you explain this a bit more? What sectors do you think are being under weighted? Here is my take. For the past 20 to 30 years the market has undergone a structural change. It ...
by iamlucky13
Sat Jul 15, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5062

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Price point tends to matter more than brand. At a given price point, if you compare closely, you will usually find each brand has their own strengths, but on the whole, they tend not to have overwhelming advantages over any of their peers. It's a competitive market, after all. In general, higher pri...
by iamlucky13
Sat Jul 15, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3463

Re: what's your secrete to cleaning inside car windows?

It was very hard to get the interior surface of the windows clear on our new 2015 Audi. There was an oily film that would only smear as you tried to clean it. After researching with google, I learned new car interiors (dash, console and door panels) give off a gas that causes the film. In time the ...
by iamlucky13
Fri Jul 14, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 85
Views: 9019

Re: Amazon prime day

What are you buying? I might get a Fire tablet. $30 doesn't seem like a bad deal, especially compared to an iPad. While I am not an Apple fan, a $30 Kindle Fire is not anywhere near equivalent to an iPad. You are comparing apples and ... That's what I thought until I purchased an HD 8" Fire ta...

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