Search found 92 matches

by iamlucky13
Tue Mar 28, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 33
Views: 1641

Re: Salvaged Wood Furniture and Table

The furniture make uses authentic barn wood and old floors and doors etc. did you look at any of the work on his website that I posted? What was your impression? It seems worth pointing out that you seem mostly focused on what people think of the design, or the background history, rather than on wh...
by iamlucky13
Tue Mar 28, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 53
Views: 3075

Re: Our technology is old...advice on upgrading...

So now I'm faced with waiting for things to break, or slowly upgrading things now. How have you all handled this? I wait until it breaks or I have a need or compelling want for something that is in some concrete way better. "New" is not an end in itself. You say you have a 2008 plasma TV ...
by iamlucky13
Tue Mar 28, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 30
Views: 1855

Re: Best take it everywhere camera

I fully expect point and shoot cameras to go the way of 8 track tapes and phone booths. Except those are basically completely technologically obsolete - they retain no meaningful advantages over other products. Point and shoots have several distinct advantages over phone cameras. Trying to squeeze ...
by iamlucky13
Tue Mar 28, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"
Replies: 15
Views: 2262

Re: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"

I feel like most of the folks responding here didn't read the article. The upshot, as Nate79 pointed out, is that the S&P can go down, and that in some periods it hasn't had great returns, but that's largely because the market didn't have great returns. Also that cherry picking dates can make o...
by iamlucky13
Tue Mar 28, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 33
Views: 1641

Re: Salvaged Wood Furniture and Table

Yes, I make my own. There is no magic to it. You simply choose to start with wood that has imperfections/character versus flawless boards and you use both to build furniture in the same ways. The overwhelming majority I've seen don't really build in the same way as regular factory made furniture. T...
by iamlucky13
Tue Mar 28, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 30
Views: 1855

Re: Best take it everywhere camera

I fully expect point and shoot cameras to go the way of 8 track tapes and phone booths. Except those are basically completely technologically obsolete - they retain no meaningful advantages over other products. Point and shoots have several distinct advantages over phone cameras. Trying to squeeze ...
by iamlucky13
Mon Mar 27, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 30
Views: 1855

Re: Best take it everywhere camera

It seems like the Olympus TG-4 is the consensus pick on the web. There is no consensus pick. There's a wide array of models from waterproof models like the Olympus to high ratio superzooms because so many users have different priorities. If it's one of the leading models in the waterproof sub-genre...
by iamlucky13
Mon Mar 27, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 44
Views: 2186

Re: thoughts on in-ceiling speakers?

The difference in the cost of the jacks themselves is almost negligible, so I would assume most of the additional cost is for the cable itself, as well as additional labor (terminating Cat6 is a colossal pain in the ass due to the incredibly short untwist specs). I haven't bought any in a while, bu...
by iamlucky13
Mon Mar 27, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: bath soap that doesn't leave soap scum?
Replies: 11
Views: 839

Re: bath soap that doesn't leave soap scum?

Liquid "soaps" are actually detergents. They should dissolve very easily and leave little to no scum, but those sold as body washes seem to be really watered down and then gelled up with inert ingredients so you have to use more, and then buy more. I tried several different body washes the...
by iamlucky13
Mon Mar 27, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 779

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

1500 Watts of heat is 1500 Watts of heat no matter how much you pay for the device that delivers. The way to achieve efficiency with a space heater is to use it efficiently - in addition to varying quality, different types deliver heat more appropriately for different purposes, enabling you to use t...
by iamlucky13
Mon Mar 27, 2017 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 40
Views: 2171

Re: Child Planning Checklist

For car seats, a snap-and-go system is super nice. You can just remove the baby seat and drop it into a stroller without disturbing the baby. Depending on the size of your car, that is. Those seats tend to be pretty large, and the strollers that can have adapters installed to accept them are huge. ...
by iamlucky13
Mon Mar 27, 2017 2:22 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 44
Views: 2186

Re: thoughts on in-ceiling speakers?

We are currently planning CAT5E Ethernet jacks in family room, master bedroom, and home office. We are putting the internet router in the structured wiring box in the basement, then having a Wireless Access Point installed in the upstairs loft. The builder says this is the ideal set-up for making s...
by iamlucky13
Sat Mar 25, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 940

Re: Need help with info about Portland

Nate79 wrote:Lunch at Timberline Lodge on Mt Hood is always enjoyable and a beautiful view.


If you make it out that far from Portland, Trillium Lake offers one of the best views you can get of Mt. Hood, and it's easy to visit both the lake and the lodge.
by iamlucky13
Sat Mar 25, 2017 12:47 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 44
Views: 2186

Re: thoughts on in-ceiling speakers?

The builder's audio guy's known criteria are a clean install (and upsells for the builder, like pre-wiring for sound). Your criteria is decent surround sound. His input addresses your wife's concern, but not yours. From what I've read (not personal experience), the sound coming from the wrong direct...
by iamlucky13
Fri Mar 24, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3453

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 If the OP genuinely didn't pay sales tax on a taxable item, he should pay his state directly and not the dealership. Unless he agreed on a ...
by iamlucky13
Fri Mar 24, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 940

Re: Need help with info about Portland

I assumed salmon was a clue, but a quick search showed Maine is one of the few places on the east coast where there is salmon fishing, even if landlocked, so I could see it being a destination for Pittsburgh residents. Moving on though... The Pearl district / SW Portland is a popular upscale area be...
by iamlucky13
Thu Mar 23, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124,176 Car.

I think that people need to give the OP a break with the 7% returns. There's a degree of getting too caught up in the minutiae instead of the overall point. I just assumed Taylor was talking about 7% nominal return, leaving it up to us to take inflation into account on our own, and accepted the poi...
by iamlucky13
Thu Mar 23, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124,176 Car.

You need to know which cars to buy and you can drive them for free. I purchased a car last year that I made $75k in 6 months of ownership. A good buddy of mine has been doing the same on over 40 Ferrari. Yes, they're correlated to the financial markets but so is a Total Stock Market fund... Hmm...a...
by iamlucky13
Thu Mar 23, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 940

Re: Need help with info about Portland

There's no point in continuing to make recommendations unless and until the OP clarifies which Portland he wants recommendations for.

I assume Oregon based on the salmon comment, but there is limited salmon fishing in Maine, too.
by iamlucky13
Thu Mar 23, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 1311

Re: Small appliance electrical safety

Many of the posts on this thread are from people with next to no experience with proper electrical wiring or the National Electric Code. Beware... We're getting lost in the weeds. He's not rewiring. He's asking about limits on using his cord-and-plug appliance safely, based on a statement a lawyer ...
by iamlucky13
Thu Mar 23, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 37
Views: 2204

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

What are you using them for, specifically? For home theater, I'd get the biggest, best center-channel you can for clarity -- that would be the first thing I'd upgrade. When I was researching for my own purchase, I saw this advice over and over and over again - get a center channel or you'll be sorr...
by iamlucky13
Thu Mar 23, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124,176 Car.

How many people are buying $50k BMWs at age 25? Newly commissioned military officers, for one. I had several college classmates who were in ROTC and took advantage of USAA's "Career Starter" loan, which I guess they become eligible for after some milestone senior year, to allow them to ma...
by iamlucky13
Thu Mar 23, 2017 2:21 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124.176 Car.

TCO on any car is pretty big. Add in opportunity cost. Ouch! TCO on my old Honda Fit is around $250/month for some lazy commuting. Even that seems like a lot. Then again, what's that work out to per mile. How many miles would you have to walk before you're willing to pay it? If you took the bus, ho...
by iamlucky13
Wed Mar 22, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124.176 Car.

Buying the Toyota saves $34.832 ($59,424 -$24,592) in five years or approximately $4,918 per year. I think you divided by $24,592, not $34,832. $34,832 / 5 = $6,966 per year. However, it looks like you're assuming this cost recurs continuously without resale value being taken into account. Of cours...
by iamlucky13
Wed Mar 22, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 37
Views: 2204

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

I have a high end two speaker stereo system (approx $45k). I posted the story of how I ended up with it on Reddit, and in the hopes it may be instructive I am sharing this story with you. (Short answer: buy with your ears and heart, not by price, brand names or technical specs. Is the moral perhaps...
by iamlucky13
Wed Mar 22, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 1311

Re: Small appliance electrical safety

A lawyer wrote that line, not an electrical engineer. Your microwave will run fine on a 15A circuit. Consumer products are generally designed with the assumption that not only will the owner not read the safety warnings, but is ignorant of all non-obvious hazards like electricity (which is generally...
by iamlucky13
Wed Mar 22, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 37
Views: 2204

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

I don't know what you consider budget and how much below 80 Hz you're talking, but for example there's the Philharamonic AAM based on a modified Dayton Audio (PartsExpress) kit that's $210+shipping / pair assembled: http://philharmonicaudio.com/aa.html I tend to think of budget as extending to $300...
by iamlucky13
Wed Mar 22, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 37
Views: 2204

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

Aside from the point about the subjectivity of the matter, be realistic about your own budget. Even supposing a $2,000 pair of speakers sounded generally well-balanced and clear, as basically all but the most diehard audiophiles agree any respectable example should, while a $20,000 pair makes you sw...
by iamlucky13
Wed Mar 22, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 893

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

Please explain. The question was, what percent of VTSAX is small value, not what percent of VISVX is small value. That wasn't actually the question either. The question was, "how much VISVX is in VTSAX?" The question isn't clearly stated. He may have intended to ask the question you are t...
by iamlucky13
Wed Mar 22, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 23
Views: 2012

Re: Motif Investing Implementation of Ultimate Buy and Hold

Thanks for filling in extra details on Motif Paul. As long as you're here, I also want to state my appreciation for your First Time Investor e-book. It got me pointed in the right direction when I realized I needed to better educate myself on investing. I think the portfolio is fine if you are looki...
by iamlucky13
Wed Mar 22, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: How to intelligently choose AA - Montecarlo?
Replies: 30
Views: 2422

Re: How to intelligently choose AA - Montecarlo?

One thing to keep in mind is that you are unlikely to receive the average of your simulations, reality follows only one path. How many of the high stock allocations results in not having enough money? How many result in more money than you need? Most people would consider not having enough money to...
by iamlucky13
Wed Mar 22, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: What building year I should seek when shopping for a house?
Replies: 33
Views: 2370

Re: What building year I should seek when shopping for a house?

What year? I think that's the wrong question. If construction quality is your priority, shop based on construction quality, not construction year. If you aren't confident you can identify construction quality on your, then make sure whatever home inspector you hire for any home you put an offer on h...
by iamlucky13
Tue Mar 21, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 58
Views: 5059

Re: Capital One 360 $200 bonus

I was going to gripe about Capital One being more interested in attracting new short term customers than paying competitive interest rates to the long term customers responsible for the deposits they actually depend on to generate ongoing revenue. Then I noticed that link says 1% interest in the fin...
by iamlucky13
Tue Mar 21, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1183

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

I'm curious what household items go through batteries so fast for you all that they warrant using rechargeable batteries? We have some tv remotes. My wife has a couple pen flashlights for work. Regular old alkalines last for YEARS in these items. We buy batteries so infrequently that buying recharg...
by iamlucky13
Tue Mar 21, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Friend will be laid off in a month - what should he do first?
Replies: 8
Views: 1257

Re: Friend will be laid off in a month - what should he do first?

What prudent said, plus: Work harder. Leave on a good note. If openings come up again before he finds another job or even if he settles for a less attractive job for a while, he wants them to remember him as dedicated and hard working, not as one of the guys who stops caring when he finds out he's l...
by iamlucky13
Tue Mar 21, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 40
Views: 2171

Re: Child Planning Checklist

The financial advice above seems sound. Also get your emergency information together if you haven't already. Keep it in a handy location (such as on your refrigerator as well as perhaps on your phone contact list or in a note app) the phone number and address for the nearest urgent care center that ...
by iamlucky13
Tue Mar 21, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3136

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

Can you give a synopsis? The article is behind a pay-wall. Just from the teaser that they let us non-subscribers see, I figured I'd read enough when I saw the phrase, "on pace to beat the S&P 500 for the first time since 2012." So short term trends are showing even shorter term variat...
by iamlucky13
Tue Mar 21, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3285

Re: Schwab: Is There Ever a Bad Time to Invest?

Takashi-san has definitely had it rough, especially if he just stuck with a Nikkei-225 fund. Bob apparently got by ok without international diversification, but I'm sure Takashi-san would warn him about the potential downsides of doing so. Do Japanese investors actually invest that way though? The ~...
by iamlucky13
Tue Mar 21, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3136

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

The rest of the world's stocks have been lagging the S&P 500 for somewhere around a decade. I've generally assumed they'd get back in gear at some point and start making up for lost time. Unfortunately, I'm still overweight in the US compared to my IPS. My ultimate plan is to tilt moderately to ...
by iamlucky13
Tue Mar 21, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2740

Re: Sizing a ductless min-split for basement

To be clear, I've not really given much of a look into the pro's and con's of in-wall heaters versus baseboards. I just know the in-wall heaters are very low cost and easy to find a location to fit them into the room because of their small size. Because they do make some fan noise, a baseboard might...
by iamlucky13
Mon Mar 20, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2740

Re: Sizing a ductless min-split for basement

That would definitely be my inclination. Multi-zone seems like overkill for what you're doing. I won't rule out that the installer might have good reasons for his suggestion, but he might also just be trying to sell you a seriously oversized system for his own profit. By in-wall, forced air heater, ...
by iamlucky13
Mon Mar 20, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2740

Re: Sizing a ductless min-split for basement

So how many total BTU/hour is he trying to sell you? A single unit generally heats a single floor fairly well when the doors are open - maybe a couple degrees difference if the outside walls are reasonably insulated. If that leaves a couple rooms too cool, I'd turn the basement heat up just enough t...
by iamlucky13
Mon Mar 20, 2017 3:48 am
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3285

Re: Schwab: Is There Ever a Bad Time to Invest?

I'm sure this has been shared around Bogleheads a couple times already, but for those who haven't seen it, here's a more entertaining variation on the same theme. Meet Bob, the World's Worst Market Timer Bob's saving grace is that every time he messed up, he was so afraid of being wrong twice that h...
by iamlucky13
Mon Mar 20, 2017 2:55 am
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1183

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

The buzzword you're looking for is 'Low Self Discharge' or 'LSD'. Eneloops are the most common, but there are other brands of LSD NiMH. As with alkalines, there isn't usually a huge difference between brands of NiMH. Some are also sold as "pre-charged." Although there are some bad batteri...
by iamlucky13
Mon Mar 20, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5241

Re: Suspicious organic products

I tried hard to be upbeat when answering questions, but was given the nickname "Danny Downer." I eventually refused to answer any more questions! Wow. Sounds like a great vacation. I suppose maybe what they wanted was affirmation more so than honesty and were disappointed, but to respond ...
by iamlucky13
Fri Mar 17, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5241

Re: Suspicious organic products

Can someone tell me the difference between organic and natural. They both cost more than I want to pay. Organic is more related to the growing of the food, and focuses on treatments like pesticides and antibiotics. Organic is also a USDA regulated label that you're required to follow certain rules ...
by iamlucky13
Fri Mar 17, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post
Replies: 20
Views: 1746

Re: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post

It sounds like you have the evidence pretty well organized. I could see a lawyer being helpful for reviewing your demand letter and providing info on typical level of responsibility for cases like this, assuming you find one with knowledge relevant to new construction defects. If I were in that situ...
by iamlucky13
Fri Mar 17, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5241

Re: Suspicious organic products

And certain things do taste better organic, like grass-grazed milk, or grass-fed beef. I can't tell the difference between conventional and organic oranges and bananas, but I would buy the organic milk and beef based on taste alone. The grass fed taste difference is due to having a high proportion ...
by iamlucky13
Thu Mar 16, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1728

Re: Vanguard's recommendation

Basically, you asked somebody else what they would do in your situation, and their answer was different from yours.

I wouldn't give it too much thought. They're trying to make a recommendation that is reasonable for a wide range of people. It's not going to be the best answer for everyone.
by iamlucky13
Thu Mar 16, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 1550

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Since 2013 I have not kept physical copies of anything. I either download PDFs and save them to Dropbox, or in the rare instance I get a physical document I scan it and save it to Dropbox, and then throw away the original. I've been intending to do this, but it's a huge volume to deal with. I'd est...

Go to advanced search