Search found 309 matches

by ssquared87
Wed Oct 26, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17348

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed. The proper way to use these points is by transferring them to an airline partner, you will get much b...
by ssquared87
Wed Oct 26, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17348

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed.The proper way to use these points is by transferring them to an airline partner, you will get much be...
by ssquared87
Tue Oct 25, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17348

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed. The proper way to use these points is by transferring them to an airline partner, you will get much be...
by ssquared87
Thu Sep 22, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 2987

Re: Audi Service Dealership Cost too high? Where should I take it?

Changing ATF fluid whether it's an Audi, Lamborghini, or Ford Pinto is about the easiest job you can do, only slightly more involved than an oil change. Labor should be no more than $150 and the fluid itself should be around $20 if its synthetic. The other items as mentioned at this 35K check are al...
by ssquared87
Thu Sep 22, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5359

Re: Securing work computer and USB drive

Guess where I am confused is that if they have the recovery key that just unlocks the entire HD, but I didn't think they would have access to anything in my home folder. Sadly, I think they do. FileVault provides whole-disk crypto, not per-user file crypto. If you want, you could conduct an experim...
by ssquared87
Thu Sep 22, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5359

Re: Securing work computer and USB drive

Does the same advice people are giving here apply to Mac? ... My understanding is that one Admin on a mac cannot view another Admin's files due to permissions. The drive is encrypted with FileVault, but my company does have the recovery key so I guess that's an area they may be able to get into the...
by ssquared87
Thu Sep 22, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 5359

Re: Securing work computer and USB drive

Does the same advice people are giving here apply to Mac? I travel for work as well and have a Mac with admin rights...my company does not restrict anything at all and they made it clear that they do not backup our computers and we are responsible for our own backup strategy. (they do recommend putt...
by ssquared87
Sun Sep 11, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 5817

Re: Should I upgrade my 6 year old plasma TV?

LCD/LED will be a substantial letdown in picture quality from your plasma. Unless you really want something bigger, stick with the plasma until OLED comes down to a reasonable price. It's the only thing that can even touch plasma in terms of black level, contrast, refresh rate, color accuracy etc.
by ssquared87
Fri Jul 29, 2016 3:45 am
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 6196

Re: Interview in Silicon Valley - Suit?

I work in tech but in Seattle and have interviewed more than 25 people this year. Ditch the suit. It comes off as being inauthentic. The point of the interview is to understand who you are and whether you fit within the culture of our company, whether clients would enjoy working with you, and of cou...
by ssquared87
Fri Jul 29, 2016 3:36 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 5324

Re: My experience with "older" used car

That price isn't fair at all just because its a BMW... BMW has Value Line Service...almost every dealer offers oil+filter change for $79. They call it Value Line because it's meant for cars that are no longer covered by BMW's maintenance plan, but the parts and service is exactly the same as their ...
by ssquared87
Mon Jul 25, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 5324

Re: My experience with "older" used car

One thing that I have noticed to consider is the price of getting a car fixed has gone up, in some cases shockingly so. Now it cost me $200 or $300 to get an oil change and tire rotation. At least here in New Jersey. This has changed the calculus for me in driving older vehicles. I drive a 99 BMW 5...
by ssquared87
Tue Jul 05, 2016 2:39 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 3263

Re: Sentra or Corolla?

Toyota is resting on their laurels. Although reliable, the Corolla is mediocre at best. I also take issues with Toyota as a company. They have not handled the takata recall well. Honda and BMW are providing customers fully paid rentals until the revised airbags are available, and are encouraging the...
by ssquared87
Wed Jun 29, 2016 4:03 am
Forum: Personal Consumer Issues
Topic: Favorite ski resort
Replies: 61
Views: 3574

Re: Favorite ski resort

Depends what you're looking for. Adrenaline rushing, steep skiing with awesome snow - Jackson Hole. Downsides are that nightlife is mediocre and its a pain to get to...not a ton of direct flights and every time I've been there, airport closed down due to too much snow and I got stuck there an extra ...
by ssquared87
Wed Apr 13, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Car hit - Insurance or Small Claims Court
Replies: 16
Views: 2100

Re: Car hit - Insurance or Small Claims Court

OP here, apologies for the late reply work has been crazy. Thanks for all the good suggestions. I was a little concerned about going to insurance as I wasn't confident my rates would stay low even though I wasn't at fault. Spoke with insurance today and they offered to find the other party's insuran...
by ssquared87
Fri Apr 08, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Car hit - Insurance or Small Claims Court
Replies: 16
Views: 2100

Car hit - Insurance or Small Claims Court

Walked out of my apartment to find my front bumper scuffed up and a not on my windscreen. Most of the note was legible except for the email address. No other contact info was given. Through some guess work, I figured out the email address, emailed the guy and he basically admitted hitting my car. Go...
by ssquared87
Fri Apr 01, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20992

Re: Tesla Model 3 anyone?

I put a deposit down. In the last year, I've only taken one trip that was beyond the 200 mile range and I live in Seattle which has extremely cheap electric mostly generated through Hydro power, so the car fits my needs. Whether or not I will actually buy is another story. I love my 2011 BMW, plan o...
by ssquared87
Wed Feb 03, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3573

Re: New Car - Compact SUV or Sedan

Okay - I will modify my statement. I don't know why but the prius is the worse car driving experience I have ever had in the snow. ( I thought it was due to the narrow tires that have less tread to snow area but apparently I'm wrong about this). I've got two friends with prius who also complain of ...
by ssquared87
Tue Feb 02, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3573

Re: New Car - Compact SUV or Sedan

How much space do you need? Thats the only determining factor of whether you should get an SUV or not. The 2016 civic has been getting positive reviews, although if you need a bit more space, the accord will give you that without giving up too much in terms of gas mileage/cost. CX-5 is a great optio...
by ssquared87
Tue Feb 02, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3573

Re: New Car - Compact SUV or Sedan

A Prius has narrow tires and I'm guessing worse ground clearance. Not a great option if you drive in snow much. Of the cars on your list I'd avoid the Prius - with its thin little tires it is horrible in the snow. Neither of these comments are valid. When driving in snow, you want the tires to be a...
by ssquared87
Thu Dec 31, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: bicycle insurance
Replies: 17
Views: 1287

Re: bicycle insurance

Thanks for posting this, I have a bike worth a few thousand more than that and I struggle with the same decision. Last quote I can recall was about $150 a year for $5k coverage. On the one hand, that's not all that much to insure against theft and damage, but on the other I can afford to replace the...
by ssquared87
Thu Dec 31, 2015 9:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 122
Views: 20403

Re: Seattle Chapter?

Would love to join if i'm around whenever the meeting is...been traveling quite a bit for work though
by ssquared87
Thu Dec 17, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 13684

Re: Can I Afford an $800k Home on $4K/month Take Home?

Did I miss the part about the OP's gross income?. I think my AGI last years was around 97k. Are you on crack? Can't believe I'm even justifying your question with a response. I understand your assets are fairly high but they won't be for long as you start draining funds when your income doesn't kee...
by ssquared87
Thu Dec 10, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 9304

Re: BMW current and past owners -- how was the reliability and would you buy another?

BMW reliability varies by specific model, which is probably why there is such a variation in replies. Personally I have one, love it, haven't had issues, and would absolutely buy another. One of the most reliable models that BMW made was the 2006-2011 328, and more specifically the 2010 and 2011 ver...
by ssquared87
Tue Dec 01, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 10297

Re: Honda Accord broke down last night

I've been doing some planning for my next new-to-me car and the Acura T* was one I've considered. The tires thing caught my attention so I looked up what replacement tires were required. I'm not seeing anything too exotic nor expensive. Per a tsx ownes forum, the Continental ExtremeContact DWS seem...
by ssquared87
Tue Dec 01, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 10297

Re: Honda Accord broke down last night

I've been doing some planning for my next new-to-me car and the Acura T* was one I've considered. The tires thing caught my attention so I looked up what replacement tires were required. I'm not seeing anything too exotic nor expensive. Per a tsx ownes forum, the Continental ExtremeContact DWS seem...
by ssquared87
Fri Nov 06, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Young Engineer pondering of switching Great Job for more $$
Replies: 25
Views: 2051

Re: Need Advice - Young Engineer pondering of switching Great Job for more $$

As some of the others have mentioned, once you get to a certain point financially (80K, 100K depends where you live) you start to value other things besides money. As much as I'd love to double my pay, I'm in a similar position to you where I absolutely love my job, my company, the people I work wit...
by ssquared87
Fri Nov 06, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 5050

Re: Is DIY Car maintenance that hard these days?

Sorry, I always mix that up! E39 5-series (and basically IMO the best anyone has ever executed the sport sedan concept) was my intent. I still pine heavily for an E39 M5. Me too :D Almost got a 2003 M5 but those cars are becoming increasingly rare and sought after. I didn't feel right using such a ...
by ssquared87
Thu Nov 05, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 5050

Re: Is DIY Car maintenance that hard these days?

A straight 6 BMW 3-series (E36/E46 years) and 5-series (E90) you will probably be alright on as they are surprisingly simplistic. But when you start moving past the entry level modes (C/3/A4) they start getting real expensive to maintain. E90 is 3 series, 5 is E39, E60 and most recently F10 And I c...
by ssquared87
Sun Aug 23, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 10038

Re: Cheaper car for someone who enjoys cars?

Has anybody had experience with the A3 quattro? I actually had one as a rental last week, but it was not the quattro, it was the base model fwd 1.8T with no additional features. As much as I hate FWD, I had a blast driving the car. Being 3,100lbs made it really fun and tossable. The DSG paired with...
by ssquared87
Sun Aug 23, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Buy warranty for Microsoft Surface?
Replies: 10
Views: 1171

Re: Buy warranty for Microsoft Surface?

No. No need to say more but I need at least 5 characters ;)
by ssquared87
Thu Aug 06, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Large purchase with cash, 0% card, or rewards card?
Replies: 30
Views: 2670

Re: Large purchase with cash, 0% card, or rewards card?

Congrats! Chase Sapphire is one of the best rewards cards out there and you can redeem for rewards or cash. Did you get preferred or the standard version? And as for your credit limit, its likely because this is your first car. Despite having car loans etc, this is your first card and banks know th...
by ssquared87
Thu Aug 06, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 4936

Re: iPad - usefulness?

I gave mine to my daughter after a month or so. I too prefer the laptop + kindle + phone combo which makes the ipad redundant for me. Most tablet usage I observe appears to be people playing games with them. +1 I mostly either use my phone or my laptop. I've had an iPad for about 2 years and haven'...
by ssquared87
Mon Aug 03, 2015 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Large purchase with cash, 0% card, or rewards card?
Replies: 30
Views: 2670

Re: Large purchase with cash, 0% card, or rewards card?

Congrats! Chase Sapphire is one of the best rewards cards out there and you can redeem for rewards or cash. Did you get preferred or the standard version? And as for your credit limit, its likely because this is your first car. Despite having car loans etc, this is your first card and banks know tha...
by ssquared87
Thu Jul 30, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 5097

Re: look for car suggestions

First, since you don't drive much and you don't have much mileage on your car, I'd wait it out until you get to the PNW. I just moved here 3 months ago from the East Coast and some things are exactly as I expected and others aren't. In Seattle at least, the Tesla Model S is extremely popular as are ...
by ssquared87
Thu Jul 30, 2015 1:15 am
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 26
Views: 3091

Re: MacBook Air losing power

Mine is 2.5 years old and the battery is shot. I'll charge it up fully use it for half an hour then leave it for a day. When i come back to it the battery is completely drained.

This is normal though. Laptop batteries tend to last 2-4 years depending on usage
by ssquared87
Wed Jul 29, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 19
Views: 2381

Re: CFA Exam Results

Congrats! Its quite an accomplishment.

I had started out working on level 1, but my career took a turn away from finance so I never sat for the tests. That said, the material was definitely a challenge and I've heard from some people that Level 2 is hardest so you've past the stumbling block
by ssquared87
Wed Jul 29, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

Thanks for this! The edmunds article was particularly insightful. Interestingly my experience was the opposite but then again - I'm comparing a RWD car from 15 years ago (with snow tires) to an AWD car from today. No problem just want everyone to be safe. The thing with RWD cars is that it is highl...
by ssquared87
Wed Jul 29, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Wed Jul 29, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Wed Jul 29, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

Well this subject is about beaten to death now so I will ask about tire replacement on an AWD vehicle. If one or two of the tires wear abnormally for any reason do you have to replace all four tires instead of just the two requiring replacement? Potentially. If the tires were new, then probably you...
by ssquared87
Wed Jul 29, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Mon Jul 27, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

shanefairman wrote:Tire are far more important than FWD vs AWD. Just get a good set of winter tires. I highly recommend Nokian
Hakkapeliitta R2.


+2 Nokians are the best, far better than Blizzak or any other snow tire
by ssquared87
Mon Jul 27, 2015 11:41 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD (Vehicle)

I have never had a problem stopping in the winter. My secret...put the transmission into neutral when I sense there is slippery conditions and I am needing to stop. Taking the car out of drive is a dramatic method to stop quickly, safely, and without sliding. You've probably never had a problem sto...
by ssquared87
Mon Jul 27, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 3053

Re: New Car - Cash or Finance?

It is about time to replace my wife's 2002 Odyssey. It could go longer, but I told her I would if she would relocate to Colorado for my retirement :) I can easily pay cash for a Toyota Highlander or Honda Pilot, but I notice that Alliant FCU, where I bank, has auto loan interest as low as 1.9%. I h...
by ssquared87
Mon Jul 27, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD

I've noticed a HUGE difference in the FWD cars I've had/driven (even those with ALB and Traction-Control) and the AWD car (Subaru Outback) I drive now. I feel much more confident in driving in snow with uncleared roads. Its night-and-day between the slip-and-slide I used to experience and what I ex...
by ssquared87
Mon Jul 27, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 5683

Re: FWD vs AWD

Tires are more important than the FWD/AWD/RWD question. No matter which option you choose, you need winter tires in the snow. Yes, many people will say all seasons + AWD is fine in the snow. While that may be true if you're just thinking about getting the car moving, AWD does nothing at all to bring...
by ssquared87
Sat Jul 25, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Hackers Remotely Kill a Jeep on the Highway: 1.4M Jeeps recalled
Replies: 3
Views: 1092

Hackers Remotely Kill a Jeep on the Highway: 1.4M Jeeps recalled

Wired has run an article where they were able to remotely hack into a Jeep and control pretty much everything, from the radio to the steering and braking. http://www.wired.com/2015/07/hackers-remotely-kill-jeep-highway/ While cars have been hacked in the past, computers were connected directly to th...
by ssquared87
Sun Jul 19, 2015 1:46 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 10127

Re: honda civic or Prius?

Best of a Civic Si and a Prius all in one? CR-Z with a 6 speed manual. I drove one and loved it. I need to keep the practicality of a 4 seater so have moved over to used Mazda 3's but I loved the CR-Z that I test drove. OP, have you looked at the Mazda 3? My dad was considering one so I've test dri...
by ssquared87
Sun Jul 19, 2015 1:38 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 10127

Re: honda civic or Prius?

Clearly you prefer the style of the Honda. If everything else about the two cars were the same in your mind, then why are you asking? Is there anything about the Prius that you prefer over the Honda? I'm guessing it's probably the slight efficiency advantage of the Prius but everything else on the h...
by ssquared87
Thu Jul 16, 2015 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle (Eastside) meetup Sunday July 19
Replies: 10
Views: 2630

Re: Seattle (Eastside) meetup Sunday July 19

Thanks for setting this up Sam.

Would love to join but will be away this weekend. Be sure to keep us posted when you decide where the next one will be!

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