Search found 4100 matches

by madbrain
Thu Feb 23, 2017 2:13 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4835

Re: Desktop Computer - Still relevant? Good investment?

Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! This is not really a fact. This really depends how much you spend on your computer, and how long you use it. Let's take a $1000 desktop computer with 200W average power consumption inc...
by madbrain
Wed Feb 22, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 41
Views: 2043

Re: Dishwasher suggestions. LG Quad Wash vs???

I had an awful experience with an LG top of the line dishwasher at my previous house. It was not anywhere near as quiet as it was advertised to be. You could hear it from another room. Their tech came and declared it to be "within specs" without even taking any sound level reading. Complet...
by madbrain
Wed Feb 22, 2017 4:46 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4835

Re: Desktop Computer - Still relevant? Good investment?

Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! This is not really a fact. This really depends how much you spend on your computer, and how long you use it. Let's take a $1000 desktop computer with 200W average power consumption inc...
by madbrain
Wed Feb 22, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4835

Re: Desktop Computer - Still relevant? Good investment?

Sure, you can do those things with a desktop to a much greater extent than a laptop. I remember the days of watching the Fry's pages (in newspapers!) for the next video card and upgrading on a regular basis. These days...meh' and I still game on black boxed 4 year old Y series brick with no need to...
by madbrain
Tue Feb 21, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5156

Re: Do you replace your electrical switches/outlets or use an electrician?

livesoft wrote:I do lots of handy work. I start by watching youtube videos. Doesn't everyone?


A few years ago, we did a few ourselves but it was taking a while and not very clean work, so we let the electrician do the next 92 switches.
by madbrain
Tue Feb 21, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4835

Re: Desktop Computer - Still relevant? Good investment?

These days the functional and price difference between laptops and desktops is small and shrinking. The desktop's major advantage is not price anymore, but rather heat control, which is important for protracted heavy load actives like games and graphic renders. You can always buy a laptop, hook up ...
by madbrain
Mon Feb 20, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5179

Re: Should we purchase a $1 Million dollar home with all cash?

You plan to keep working, so the choice is clear. Conforming loan limits in your area are $636k. Finance that amount. At just 60% LTV you will have lenders offering the best rates. Negotiate hard; you'll be the belle of the ball. Invest the rest in your favorite Bogle philosophy. +1, I think this i...
by madbrain
Mon Feb 20, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5179

Re: Should we purchase a $1 Million dollar home with all cash?

I'll comment as someone who owns a home in the bay area that is worth > $1M (closer to $1.5M) and still has a mortgage on it ($350k). I have more than $350k invested in taxable accounts, at about 65/35 equity/bonds allocation. I could pay off the mortgage with a few clicks. I choose not to. It comes...
by madbrain
Sun Feb 19, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2425
Views: 614234

Re: What Movie Have You Recently Watched?

Arrival Kind of a slower, creepier version of Contact. Enjoyed Contact more. Thought Arrival was ok, but will likely pass on getting the DVD. I had a similar response to A.I. and Interstellar. Haven't seen Contact, but I greatly enjoyed Arrival. I may see it again this week with a friend who missed...
by madbrain
Sun Feb 19, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2425
Views: 614234

Re: What Movie Have You Recently Watched?

ResearchMed wrote:OTHER RECOMMENDATIONS for movies about/involving/set in Japan would be welcome!


Silence. Not contemporary Japan, however.
by madbrain
Sat Feb 18, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 31
Views: 1630

Re: Induction cooktop impressions?

Actually in our case it might be because of the oven. It's s convection oven but with a fan. The fan stays on for another 2 hours after you turn the oven off. Induction cooktops are very energy efficient. It's unlikely to result in a $30 monthly electric bill increase. At a nationwide average of 12...
by madbrain
Fri Feb 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 31
Views: 1630

Re: Induction cooktop impressions?

a) Any surprises you weren't prepared for that took you aback? ("We starved to death in a winter storm because the only thing we had to eat was Jiffy-Pop popcorn with its built-in aluminum pan...") b) Generally speaking, and ignoring price, is it a pure "we love it" or is it a m...
by madbrain
Thu Feb 16, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4926

Re: Tesla Model 3 or Chevy Bolt?

200-270 mile range is more like 3-4 hours unless you are driving 80+mph. If you are driving 80mph, you won't be getting 200-270 mile range. e=mc2 . Those EV/PHEV cars are pretty heavy with their battery packs to begin with. Increasing speed will kill the range faster than anything else. The EPA ran...
by madbrain
Thu Feb 16, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4926

Re: Tesla Model 3 or Chevy Bolt?

Think of battery production like index investing. Before Tesla's gigafactory, it is like the Dow Jones was the only index around. Now Tesla's Gigafactory is the S&P 500 coming to town. Costs come down as a bigger index is available (and is used). When the other manufacturers demand more batteri...
by madbrain
Thu Feb 16, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4926

Re: Tesla Model 3 or Chevy Bolt?

I'm going with Tesla. I am on the wait list for the 3, hopefully high enough up that I will get the federal tax credit. My problem with the Bolt is my perception of Chevy's reliability (or lack thereof). The Volt hasn't had a great track record. Well, Tesla certainly doesn't have a great track reco...
by madbrain
Thu Feb 16, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4926

Re: Tesla Model 3 or Chevy Bolt?

Be advised, there will likely be no Fed incentive on these cars in two years. Yes, that was one of the reasons for us to buy a Bolt now and not wait for the Tesla 3. We repaired the 2011 Prius inexpensively and got a good sales price out of it. It cost us a net of $26k to upgrade to the fully loade...
by madbrain
Thu Feb 16, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4926

Re: Tesla Model 3 or Chevy Bolt?

We bought a Bolt Premier 3 weeks ago replace our 2011 that was in an accident. It's a great car. Fully loaded in red. We also have a 2015 Gen 1 Volt. Never thought we would own a GM car, let alone 2, but here we are. The Volt will be our car of choice for road trips. I expect road trips will be near...
by madbrain
Sun Feb 12, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 1910

Re: Photoshop - what to get?

Something like this : http://slidesnappro.com/. This looks sensational! It would at least let me quickly find the few hundred that I want to save and process, etc. And I could ship it directly to where the slides are, and only travel with the ones that are priceless. And then I could (hopefully) re...
by madbrain
Sun Feb 12, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 1910

Re: Photoshop - what to get?

Something like this works. https://www.adorama.com/icdp8200ise.html There are many types so research a good one. There are types that also do negatives. There are manual ones that do 1 at a time. Also bulk processing but kinda pricey. https://www.bhphotovideo.com/c/product/762308-REG/Pacific_Image_...
by madbrain
Wed Feb 08, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

madbrain : Yes, I chopped up my large free papers, the smaller 4x6 pieces seem to be working well. I had no idea Costco sold paper that cheap! I'd read about their 4x6 photo paper online (ie in forums) but my local costco only had 8.5x11 so I gave up my search. I didn't even think to look online, t...
by madbrain
Tue Feb 07, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

I haven't done a refill with the kit yet as I haven't run out of ink. My black cartridge is getting close to empty, though, so I will find out soon and report how easy it is to use. The kit I purchased is at : http://www.precisioncolors.com/PC42cref.html This company was recommended by many people ...
by madbrain
Mon Feb 06, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign on as a co-borrower on my wife's car loan?
Replies: 18
Views: 1597

Re: Should I sign on as a co-borrower on my wife's car loan?

My husband and myself listed both ourselves on our last 3 car loans and 1 lease. Repayment history actually improved our credit scores. I had an 849 out of 850 Experian FICO last year, before I started credit card churning. My husband was not far behind. FICO scores include repayment history on mult...
by madbrain
Sun Feb 05, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

Hi, Finally had time to set up my printer! Here's my mini review: - Yes, it's huge. We had to get very creative with the space in our 'den' to integrate it. Thankfully it's wireless. - Wifi setup was counter-intuitive but plug in a USB cable to your laptop and after that it remains on Wifi only. Yep...
by madbrain
Fri Feb 03, 2017 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

No cashier check either. Their fee schedule says: Cashier’s Check $10 Available by overnight delivery to customer’s address by calling a Representative, or in person at the Boston ongress St. Investor Center. Cashier’s Checks, which are purchased with funds from a Fidelity account, are subject to a...
by madbrain
Thu Feb 02, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

Yes, that is correct. Also not possible to get a money order. One of the biggest limitations with the account, to be sure. This is common to pretty much any online bank account. Can't you have them send you a bank check? I thought I recalled that option. No, it's not possible. No cashier check eith...
by madbrain
Thu Feb 02, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

But is still takes 6 days to see withdrawal funds from a mobile check deposit. I know that mobile deposits can take longer, but I don't think it's as long as 6 days. I usually deposit checks to another account at Everbank where I can use my desktop scanner, which is much more convenient than mobile...
by madbrain
Thu Feb 02, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

My experience is 2-3 days to push. I just started a push this monday morning (very early monday, just after midnight), 5 figure amount, to my credit union. Initiated from fidelity. Funds were available at the receiving institution the next business day, ie. on tuesday. Really not sure why it's taki...
by madbrain
Thu Feb 02, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

Deposits being held for a week before being released? Not for me. I never put a stopwatch to it, but I see the money being credited quite soon. For those with posts similar to above, check under the balances tab then check the line "Cash Available to Withdraw". If you have a bill to pay t...
by madbrain
Wed Feb 01, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 2825

Re: Review after one month with Fidelity Cash Management

The bad: Funds availability is very slow for deposited checks and ACH deposits. The account has plenty of money in it, and has been open for a while but I'm still being treated like I will take the money and run. - A deposited check will be made available in a week. I mobile deposited personal chec...
by madbrain
Wed Feb 01, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: GETYAHOO broken? [Spreadsheet extension]
Replies: 7
Views: 541

Re: GETYAHOO broken? [Spreadsheet extension]

I use the SMF extension in LibreOffice to pull market quotes. This morning, for some reason, LibreOffice Calc is hanging whenever I try to call up a spreadsheet that uses this extension. I end up having to forcibly quit Calc. Is it just me, or is anyone else having trouble with the GETYAHOO functio...
by madbrain
Thu Jan 26, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 28
Views: 2022

Re: Car accident . Fix car or not ?

The Bolt EV would be nice to get, but not at the MSRP that it's selling at right now. Local dealers won't budge as inventory is low and selling out as fast as it's coming in. Southern California dealers are selling it about $1000 less. I have coworkers who ordered one months ago with select options...
by madbrain
Thu Jan 26, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

I've been using a Canon Pixma Pro-100 for the past 5 years and love. it. Canon phone support has been top notch too. I tend to print pictures infrequently and always had problems with the ink clogging the print head with Epson printers. Never happens with this one. The big problem is that it's a be...
by madbrain
Thu Jan 26, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

There is a 3rd printer we are going to junk as well. Can't remember exactly which one. I think it's a Canon ip3500. It's not a recent model, but we have gone through a few of these. In the past, I have on multiple occasions bought the same printer again for next to nothing when it died, particularl...
by madbrain
Wed Jan 25, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance ACA vs STM solutions/options between retirement age and medicare?
Replies: 36
Views: 2096

Re: Health Insurance ACA vs STM solutions/options between retirement age and medicare?

The STM data on pre-existing conditions has a 5 year span for a company I looked into. So, if, just for example, I had multiple spine surgeries greater than 5 years in the past, then any injury or such would be covered. Though, as insurance companies go, I would not be surprised that they would dig...
by madbrain
Wed Jan 25, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance ACA vs STM solutions/options between retirement age and medicare?
Replies: 36
Views: 2096

Re: Health Insurance ACA vs STM solutions/options between retirement age and medicare?

ASSETS: 4-6 mil. That's a pretty wide range. Which is it ? ACA is extremely expensive. It's all relative, but you would only be buying that coverage for 2 years at the most, though. Is STM medical insurance at United Health a good option? As another poster said, your pre-existing conditions won't b...
by madbrain
Sat Jan 21, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Getting my electricity usage under control
Replies: 34
Views: 3731

Re: Getting my electricity usage under control

Agree the Kill-a-watt is very handy, but it only helps for plug-in devices. Do you have a SmartMeter ? If so, I would recommend looking into this device : https://rainforestautomation.com/rfa-z109-eagle/ You can check power consumption in real time from your smartphone without having to physically g...
by madbrain
Fri Jan 20, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23319

Re: Annual Vacation Budget

But I did see a discussion where folks (maybe not you) were saying that free travel obtained with credit card mileage points etc should be represented by an actual real dollar figure. That I disagree with. I think it makes complete sense to put a dollar figure on them, especially if you would have ...
by madbrain
Fri Jan 20, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23319

Re: Annual Vacation Budget

I can absolutely get spending 3-4k on a vacation and I might do that someday in the future. So someone saying they spent 3k for their Hawaii vacation seems reasonable. But these numbers like 18k etc sound insanely high unless you are spending months in hong kong living high on the hog. The 18k incl...
by madbrain
Thu Jan 19, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23319

Re: Annual Vacation Budget

No fixed budget. We are a couple, no kids. Quicken shows me between $3600 and $18800 per year for the last 10 years for the travel categories, which includes airfare, car rentals, travel documents (passports, visa), hotels, misc (cash spending during trips not otherwise tracked), other transportatio...
by madbrain
Wed Jan 18, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

For profit insurance companies are leaving the ACA because they can't make a profit under the 80/20 rules imposed by the government. 80/20 rule still leaves them room for 20% profit. Maybe that isn't enough for them. But from what I read, the losses have more to do with the actuaries having underes...
by madbrain
Wed Jan 18, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

You'll get no argument from me on this. For-profit insurance companies are needless middlemen, and should not exist . This would be one easy way to reduce costs. But the doctor will likely still need administrative staff regardless of whether the are dealing with a for-profit, non-profit or governm...
by madbrain
Wed Jan 18, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

You indicated that you only have liability coverage on the new car that you bought last year. How much would it cost to add collision and comprehensive with $1000 deductible for your car? The cost of same coverage probably varies significantly by location. I used to live in New Orleans (Orleans par...
by madbrain
Wed Jan 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

Using bottlecap's point, think about it from the doctor's point of view. Let's say the good doctor needs to be paid $70.00 all things considered. There is two ways he can get the $70.00 - either from the patient rightaway at the point of service (without resorting to insurance) or from the insuranc...
by madbrain
Wed Jan 18, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2890

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

Well, you thought wrong. The main points of high deductible policies and HSA are : 1) to shift a higher share of the cost towards the insured when they utilize health care a lot 2) to provide an unneeded tax break/investment vehicle for those who don't utilize healthcare much 3) to allow healthier ...
by madbrain
Wed Jan 18, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2890

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

On the minus side, when I paid on the spot for a lab test, they told me they could not send the results to me, only to my doctor. Wait, it's my blood, my money, no insurance involved, and you can't send me a copy of the results? What a system. One thing I like about the Kaiser system is that I can ...
by madbrain
Wed Jan 18, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2890

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

I thought the whole point of the High Deductible policy and HSA was I was suppose to shop around. Well, you thought wrong. The main points of high deductible policies and HSA are : 1) to shift a higher share of the cost towards the insured when they utilize health care a lot 2) to provide an unneed...
by madbrain
Wed Jan 18, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

I'm setting aside your political conclusions. I'm trying to ignore that with insurance, I am guaranteed to pay 5 times what you pay every year for insurance. And that is for the "right" to pay more for health care than if I was self insured, and up to another another 5 times if anyone in ...
by madbrain
Tue Jan 17, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2057

Re: Durable photo printer ?

For normal paper documents, we print two-sided all the time. No issues with paper feeding. We use Canon ink only, usually purchased at Walmart. But if your Canons don't last, I don't know what to say. I junked a Canon Selphy ES2 last week. I think it was my second Selphy. Now about to junk an Epson...
by madbrain
Tue Jan 17, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

For those that say they couldn't afford drugs without their "insurance", I get it. Perhaps there is some other way that the rest of us can take care of you without forcing me to pay an extra $10,000 to $15,000 per year on top of what I used to pay and yet still have a terribly inefficient...
by madbrain
Tue Jan 17, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10689

Re: Why nobody understands importance of high-deductible insurance?

Negotiated rates the insurance company gets are far worse than you could get on your own without insurance. Let me know where I can negotiate the price of brand name HIV medications on my own without insurance. I certainly would like to know ! My group insurance at work has $0 deductible , and $10 ...

Go to advanced search