Search found 1287 matches

by lazydavid
Mon Jan 22, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Transfer money to family members to take advantage of lower tax rates
Replies: 21
Views: 1536

Re: Transfer money to family members to take advantage of lower tax rates

I have company RSU's some of which have appreciated nicely over time and they have to be disposed of for diversification at appropriate times. What is the procedure and tax implications of giving RSU's instead of cash, both on me and the recipient? They are held at Fidelity. To me, it looks like ki...
by lazydavid
Mon Jan 22, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: New tax law and changes to paycheck
Replies: 14
Views: 1141

Re: New tax law and changes to paycheck

hightower wrote:
Mon Jan 22, 2018 8:39 am
FWIW, don't expect changes anytime soon. My HR dept told me it would likely be April or May before the changes finally take effect on our paycheck :shock:
Then report them to IRS. They are required by law to have the new withholding tables in effect by February 15th.
by lazydavid
Mon Jan 22, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 17
Views: 1562

Re: Passport renewal and usage- what's the scoop?

What’s the point? Drivers license works fine for flying and how often are you getting a job? Driver's licenses from many states will become invalid for flying at some point this year. My home state (IL) just narrowly got off this list late last year, and their new licenses look like cheap fake IDs....
by lazydavid
Mon Jan 22, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 37
Views: 2387

Re: Family Balance and Children's Athletics

My son is not what anyone would call a star athlete, but we told him several years ago he needs to do some sort of sport/activity year-round. For a few years, he switched off every couple of months to a new rec sport that was coming in season. He liked some (basketball) hated some (baseball), and wa...
by lazydavid
Sun Jan 21, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 42
Views: 2302

Re: New Brake Pads

I still disagree. I don't claim to know anything about Hondas, but for example something like hex key sockets are something I've used for replacing brakes but not something the typical homeowner owns. Usually the hex screws I've seen come off with a standard allen key. Having hex sockets makes it e...
by lazydavid
Sun Jan 21, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 42
Views: 2302

Re: New Brake Pads

Brake pads are not incredibly or even very easy to replace unless you have lots of experience and exactly the correct tools. "Familiar with wrenching" means "very experienced." The tools usually required are not ones anyone would own unless they have done a great deal of mechanical work, and some o...
by lazydavid
Sun Jan 21, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 48
Views: 6197

Re: Window replacement - any advice? Lessons learned?

Though they've gotten better over the years, I'm personally not a fan of replacement windows. Regardless of what anyone says, putting a new pre-hung unit inside of an existing window frame will result in less total glass area than removing the frame entirely and putting in a new unit that completely...
by lazydavid
Sun Jan 21, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 42
Views: 2302

Re: New Brake Pads

Pro-tip: If you plan on keeping your car for awhile, Autozone Duralast Gold brake pads are decently rated, priced competitively, and have a lifetime warranty (including normal wear and tear). Give them a good number and you *should* be able to get new brake pads when you wear out your now old Dural...
by lazydavid
Sat Jan 20, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 3615

Re: How to overcome the fear of spending money? (Buying a car)

Prov227 wrote:
Sat Jan 20, 2018 1:36 pm
The important question is, will it be a Miata RF? The RF, with the top up, might be the sexist thing on the planet.
Sorry, that honor is already held by the Jaguar F-Type :mrgreen:
by lazydavid
Sat Jan 20, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 3615

Re: How to overcome the fear of spending money? (Buying a car)

How much change has their been over the years of the Miata? https://fargo.craigslist.org/cto/d/2001-mazda-miata-mx-5/6421885612.html Something like this would be in my preferred range. Find a well cared for "garage queen". automatic = fail. Lol, I was literally going to post those exact words. Very...
by lazydavid
Sat Jan 20, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 43
Views: 2582

Re: Telemarketing calls from my own prefix

Is there any solution for people who get these calls on a small business cell phone? I often get calls I am not expecting from my client's vendors, whom I don't have in my phone directory. I don't have the option of ignoring calls from unknown numbers... It's exceedingly unlikely that these vendors...
by lazydavid
Fri Jan 19, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 1806

Re: Alternatives to Subaru Forrester

Crv and rav4 have awd thats rigged to a rear wheel platform so it only kicks in when one of the wheels slips. You mean front wheel drive platform. Toyota has never had any RWD-based unibody CUVs. The only RWD vehicle of any type that Honda has ever mass-produced is the S2000 roadster (NSX is low vo...
by lazydavid
Thu Jan 18, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 124
Views: 12234

Re: Confusion about prepaying property taxes

Where this gets interesting is Illinois counties have two options for how to bill taxes. For us in Cook County, where appeals of 2017 assessments are still ongoing, they have chosen the option of a 1st installment due 3/1 which is, by law, 55% of the previous year's amount. So that amount was estab...
by lazydavid
Thu Jan 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7643

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

ruralavalon wrote:
Wed Jan 17, 2018 6:25 pm
My crystal ball said 73.54% chance of correction.
82% of statistics are made up on the spot; only 17% of people know that. :beer
by lazydavid
Thu Jan 18, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Range Hood Blower Sizing
Replies: 32
Views: 1161

Re: Range Hood Blower Sizing

Even if it's not required, don't skip the makeup air. 900+cfm is a LOT of air. To put that in perspective, for a 3000 sqft house with 8' ceilings, that's removing the entire volume of air from the house every 27 minutes. Unless you live somewhere where the outside temperature is 70F year-round and t...
by lazydavid
Thu Jan 18, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 3615

Re: How to overcome the fear of spending money? (Buying a car)

You have $2.1 million and you don't know if you can afford a Miata? Quit obsessing and just go buy the damn thing already. Don't even think about getting a Civic instead. The person who said it's a rounding error is literally correct--you'll still have $2.1 million after you pay cash for it. Put ano...
by lazydavid
Wed Jan 17, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2190

Re: Need to buy new printer. Suggestions for best value?

Whatever you do, do not buy Epson. They've set it up where it disables the printer when ANY cartridge is out. I ran out of one of the color inks and it would print a few pages when you set it to print black / gray only but it would be disabled until you replace whatever cartridge is out. Not only t...
by lazydavid
Wed Jan 17, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2589

Re: Do people in the forum hold foreign bonds?

I don't directly hold any foreign bond funds. But Personal Capital says a little over 5% of my portfolio (1/6th of my bonds) is comprised of ex-US bonds. Nearly all of that is in Wellington/Wellesley.
by lazydavid
Wed Jan 17, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Was 2017 a unique year for the stock market?
Replies: 11
Views: 1946

Re: Was 2017 a unique year for the stock market?

I do remember reading that 2017 was the first year in which market returns were positive for every single calendar month. This. The last time the S&P had 11 positive months in a calendar year was 2006, and even that has only happened 3 times. The last time it had 9 months in a row was 1995. The cur...
by lazydavid
Wed Jan 17, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3099

Re: PTO policy after international business travel

Years ago, a work colleague flew to Sydney to solve a critical problem then was headed back two days after he arrived :shock: because of other business commitments. He had the same flight crew and they were all floored that he'd flown that distance for such a short visit. The company paid for busin...
by lazydavid
Tue Jan 16, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 63
Views: 6958

Re: Our 'cure' for emergency expenses

ThreeBears wrote:
Sat Jan 13, 2018 9:11 pm
We just pray that we don't have emergencies . . . so far it's worked. It's kinda a bogglehead approach, as it's been very low-cost . . . so far.
As my previous boss was fond of saying, "Hope is not a strategy".
by lazydavid
Mon Jan 15, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 42
Views: 5047

Re: Vanguard Yubikey-only option?

On that note, my cell phone provider requires a PIN (chosen by the customer) to port the phone number to a different phone. This (realistically) all but eliminates the ability to steal your phone number via social engineering. I would think that most cell phone providers would offer this basic secu...
by lazydavid
Mon Jan 15, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1292

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

kerplunk wrote:
Sun Jan 14, 2018 7:04 pm
Get a MacBook (Pro) and attach it to a monitor/keyboard/mouse with its lid shut.
This is a great way to get a $3500 desktop that's almost as powerful as a $500 one.
by lazydavid
Mon Jan 15, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 42
Views: 5047

Re: Vanguard Yubikey-only option?

Is it possible to set up a bogus cell phone number? Or do they confirm it before making it official? In other words, could I set up my SMS and Yubikey and then change my SMS to 800-555-1212? If they use a shortcode, rules set by the MMA (Mobile Marketing Association, not UFC :)) require that the nu...
by lazydavid
Sun Jan 14, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1370

Re: Anyone Gone All the Way with LastPass?

What I would do is change your most important passwords (such as Vanguard, 401K, Google/email) every 3-6 months. [...] Change your LastPass master password at least once per year. Enable two factor authentication through a phone app (such as Google Authenticator or LastPass Authenticator). Regularl...
by lazydavid
Sun Jan 14, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1370

Re: Anyone Gone All the Way with LastPass?

All in LastPass. My second go with them. I had to rebuild my entire LastPass password database a year or two ago. Do NOT forget/lose you master password! :oops: Though perhaps they have a recovery method now. :?: If an encryption service has a recovery method, it is by definition not confidential/s...
by lazydavid
Sun Jan 14, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I never owned a super powerful car (I daydream emotionally about cars but act with utmost practicality regarding actual ownership), so I'm curious, if you have the time, about what you think of a Dodge Charger with manual transmission? I'll admit not having driven one. It does tick a couple of the ...
by lazydavid
Sun Jan 14, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I wanted to get a 2017 E63 based upon the upgraded interior, but saw they were $100K+ cars brand new. That is absolutely ridiculous and shows me that in 4 years, they are now half the price people paid. That is a HUGE depreciation hit if you're looking to buy a 2018 E400. I can't really comment on ...
by lazydavid
Sat Jan 13, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

Beehave wrote:
Sat Jan 13, 2018 4:19 pm
At least we're in agreement on the manual transmission. :sharebeer
There's always common ground to be found. :sharebeer The lack of a manual is the one thing I miss about my 500 lbft beast of a car.
by lazydavid
Sat Jan 13, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Has InformedforLife.org (vehicle safety ratings) gone too far?
Replies: 29
Views: 1977

Re: Has InformedforLife.org (vehicle safety ratings) gone too far?

Actually we can put numbers on it. That is what the highway saftey data does. And that is pretty clear that your lighter car is lot more dangerous;). You might feel safer. Odds are you are not. And no you being a well above average driver (aren't we all?:)), doesn't change that. That simply puts a ...
by lazydavid
Sat Jan 13, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

If you want to take pride in a vehicle and your driving get a Corolla manual 6-speed. It'll last forever with easy maintenance and you'll be connected with your driving experience far beyond any luxo coupe or wagon. With <140hp and wrong-wheel drive, I'll pass, thanks. I don't want to be "connected...
by lazydavid
Fri Jan 12, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I adore the concept of a performance european sports wagon but 99% of people on the road will view it as a station wagon period. Seems like a high premium to pay to impress a few automotive cognoscenti. Buying a car to impress people you don't know is a fool's errand. Who cares what everyone else t...
by lazydavid
Fri Jan 12, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5679

Re: Trying to downsize but still too much stuff

It completely makes sense to keep the shoes. But why keep the boxes? That makes them take up dramatically more space. As for the music, lossless means exactly what it sounds like. The quality is identical to the source. MP3 is a lossy codec, so technically there can be a discernible difference. Mode...
by lazydavid
Thu Jan 11, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4501

Re: Early Retirement Incentive Plan is generating paranoia

Are you sure unemployment is near zero for 50+ developers? There have been many posts on yhos board about difficulty in finding dev jobs after a certain age. I know we've hired a few. They're certainly outnumbered by younger ones--30-40 is the widest band where I'm at--but we do bring in a relative...
by lazydavid
Thu Jan 11, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4501

Re: Early Retirement Incentive Plan is generating paranoia

There really is not a rumor mill - just a former co-worker who is really worried. However I have found out He is fairly recently divorced and has to provide health insurance for his home. Since we are software developers it may be hardfor co-worker to find good work. In my area, unemployment for so...
by lazydavid
Thu Jan 11, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3087

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

If an MB extended warranty for a reasonable price is a possibility, I would certainly consider it, but would note that generally maintenance / upkeep on these cars is more expensive (i.e. a front break job will run you $3500... more if you have done at a dealer). This confuses me. OE pads and the b...
by lazydavid
Wed Jan 10, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1187

Re: OnePlus 5t Smartphone?

I think the OnePlus are pretty good phones. One minor thing. I do not think they use Micro-USB connectors for the chargers. If you are in a non-Apple environment, it is pretty strange to find a phone that does not use Micro-USB. A friend has one, we were out for the evening and his phone was runnin...
by lazydavid
Wed Jan 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

Fair enough on the oil spec end. But I've confirmed empirically that a 13k OCI is overkill on my chiptuned and abused twin-turbo engine. I therefore find it impossible to believe that 6k in a family-mobile is anything but exceedingly conservative with a quality synthetic. That may well be, David, b...
by lazydavid
Wed Jan 10, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

They do specify it in the manual, by default: 0W-20 weight automotive engine oil meeting API/SN and ILSAC/GF-5 specification is only available in a syn blend or syn. Also, I don't think that a 6K mile syn/syn blend oil change on a turbo engine is necessarily overkill. Fair enough on the oil spec en...
by lazydavid
Wed Jan 10, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9636

Re: Effects of extreme cold weather

Rexindex wrote:
Wed Jan 10, 2018 4:38 am
Interestingly, when the temperature drops into the teens I find myself reflexively going to expedia to find cruise deals to the carribean. :sharebeer
Temperatures were in the negative teens last week when we booked our Caribbean cruise. :sharebeer
by lazydavid
Tue Jan 09, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3296

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Obviously nobody knows nuthin', but at this point (ages 39 and 41) I think our pre-eldercare home count will be 3. Our first house was absolutely perfect for the two of us, minus the wish for at least a partial basement. It was 1385 sqft, 3 bed, 1.5 baths. Nice quiet backyard, great neighbors. But a...
by lazydavid
Mon Jan 08, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

That's what I suspected. So, if I go to a synthetic with extended life I'm going to have to not mind the Maintenance Minder and put some duct tape over that thing on my display? Or if you're looking to double the interval (not recommending for or against this), just reset it the first time, then ch...
by lazydavid
Mon Jan 08, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3967

Re: Are Password Managers Really Necessary?

I have 724 credentials stored in my password manager. Yes, it's necessary. :)
by lazydavid
Mon Jan 08, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

I'm wondering how the Maintenance Minder in the vehicle actually works. Does it actually "measure" the condition of the oil in some way, or is it just set on some sort of computerized algorithm? It doesn't measure the oil in any way, there's an algorithm that is supposed to calculate the lifetime b...
by lazydavid
Mon Jan 08, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

Follow your MaintenanceMinder or, for more peace of mind, perhaps even change it around 15% to 20% oil life (turbos make me nervous). Do not go for extended oil change intervals as suggested above, Honda already realized that the engine would be running synthetic when it was designed. I change mine...
by lazydavid
Mon Jan 08, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3967

Re: Are Password Managers Really Necessary?

The situation with regard to credit cards may have changed. Some kind of consumer protection became weakened when they went to chipped cards. The protection may only be weakened if you are at a place that doesn't take chips and you have to swipe (like seemingly every pay-at-the-pump gas station in ...
by lazydavid
Sat Jan 06, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9636

Re: Effects of extreme cold weather

This morning my car was blowing cold air for a whole 25 miles commute to work. The engine Temp was regular operating temp. Odd that on the way it was blowing warm. First Time that's happened to me. -9 today. My engine takes so long to warm up in even moderately cold weather (diesel) that it has an ...
by lazydavid
Fri Jan 05, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9636

Re: Effects of extreme cold weather

So someone figured if they attached it to the hot water pipe it would help but I'm pretty sure hot water freezes quicker than cold water. Only true in open air, because the difference is due to evaporation. Hot water inside a pipe will take significantly longer to freeze than cold water, because wa...
by lazydavid
Thu Jan 04, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2683

Re: How much to spend on toys?

Agree with the above. It's more of a question of how much discretionary income do you have spend on yourself? It shouldn't matter if you want to spend money on snow globes, a boat, a car, vacations, or whatever. People on this site will make personal judgments on what's important to them, but that ...
by lazydavid
Thu Jan 04, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6628

Re: Chip architecture vulnerability in pretty much everthing

That’s why I suggested a chromebook with a limited attack surface (vs a full PC OS) using a PC VM hosted in the cloud without the chip-based vulnerability. https://www.google.com/amp/s/www.cnbc.com/amp/2018/01/03/microsoft-google-respond-to-intel-chip-vulnerability.html You still need to patch both...