Search found 1133 matches

by lazydavid
Sun Nov 19, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16093

Re: Flying first class, business, versus economy.

I just looked for a flight from LAX to NRT Economy $1200 First class $10,175 On the same flight at that... Agreed, I wouldn't pay that, I'd probably use miles (between the wife and I we have ~1.5 million). Is this a 2-class or 3-class flight? I doubt we'd pay for legit FC on a 3-class flight, but w...
by lazydavid
Sun Nov 19, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 38
Views: 1177

Re: How much do you budget for vacation?

We usually spend $25-35k per year, $5k of which is maintenance fees on our timeshares. That's typically one 2.5 week trip, one of a week or so, and a handful of long weekends. Fly only first/business the 1-2 times we do fly. Gross income will probably be $325k this year, roughly $115k of which actua...
by lazydavid
Sun Nov 19, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the word's richest man
Replies: 9
Views: 1803

Re: Jack Bogle, the word's richest man

How many people in the history of the world gave up billions to help others? I can think of only one. Nice thought, but not even remotely close. Bill Gates donated $4.6 Billion in a single month (June 2017) to combat malaria. This is part of a decades-long history of philanthropy. The foundation th...
by lazydavid
Sat Nov 18, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Car shopping tomorrow
Replies: 32
Views: 2355

Re: Car shopping tomorrow

If you're leaning strongly towards leasing a compact car, consider the Chevy Cruze. There have been some absolutely insane lease deals on them recently. Like $109/mo with $0 down crazy.
by lazydavid
Thu Nov 16, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16093

Re: Flying first class, business, versus economy.

Cruise wrote:
Thu Nov 16, 2017 2:25 am
Out of curiosity, I checked the mileage differential for award tickets on a route that I just booked for late 2018. Business saver "cost" 1.86 the mileage compared to economy saver.
That's not bad at all. Since we have a massive pile of miles, we'd probably go that route.
by lazydavid
Thu Nov 16, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34582

Re: Did you tell anyone you paid off your mortgage?

Also consider this: The asset will never be underwater. I t can always be sold at a profit if it is paid off. Incorrect. It can always be sold to raise cash . That has NOTHING to do with profit. Profit is revenue from sale less acquisition cost. I think the best argument for paying off your mortgag...
by lazydavid
Wed Nov 15, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16093

Re: Flying first class, business, versus economy.

I put in ORD-CDG using 1/9-1/16 and it was $2600 for business and $380 for economy. So I guess it depends when you go. I did +-3 days to see if it changed much and $2600 was the cheapest business and $380 was the cheapest economy. First class had $7054 as the cheapest. I used Kayak to search. We te...
by lazydavid
Wed Nov 15, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16093

Re: Flying first class, business, versus economy.

I am not sure at what salary point I would need to be at in order to pay 5-10 times the price of coach to fly first class. We only fly Business/First for leisure travel, for the past 4-5 years now. We've never paid, nor even seen a 5-10x multiple. Most of the time it's around 2x. Now granted, we ha...
by lazydavid
Tue Nov 14, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5315

Re: Costco for tires and car insurance?

The tires I want would have to be ordered which it says 5-10 business days. I wonder how that works with the 1 cent install sale since the tires wouldn't be at the club ready for install until after the sale. Anybody done this? If you are ordering online and shipping to a club, you are charged for ...
by lazydavid
Mon Nov 13, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6201

Re: Isn't it safer to NOT sign Credit card?

OK - so if this is so important, how is this signature verified for online purchases? Answer: It isn't. So if the signature is not verified for online purchases, why would it have to be verified for in-person purchases? Face reality. In most cases, it doesn't make a bit of difference if you sign it...
by lazydavid
Fri Nov 10, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Steam Oven vs Microwave?
Replies: 7
Views: 541

Re: Steam Oven vs Microwave?

A steam oven is nothing like, and is not a replacement for, a microwave. It does an excellent job of steaming food (vegetables, seafood, tamales, etc), roasting meats or seafood, and proofing/baking bread. It is not much faster than an oven, just produces better quality results in certain scenarios....
by lazydavid
Fri Nov 10, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5315

Re: Costco for tires and car insurance?

I only buy tires at Costco, and actually just ordered a replacement set of winters this morning. Yesterday through next Thursday they're running a promotion where, in addition to the $70 off 4 Bridgestones (an almost continuous discount that oscillates between Bridgestone and Michelin), installation...
by lazydavid
Thu Nov 09, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4792

Re: what pickup truck

how much towing capacity, both in the bed and on the hitch, then examine what vehicles match your requirements. Then examine reliability (anecdotally, seen more issues with rams than with Chevy or Ford and the tundras may not have enough towing capacity even with the 5.4 L ( can handle smaller load...
by lazydavid
Thu Nov 09, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 3839

Re: Coffee

Problem is unless you are drinking it black you are loading it up with sugars and cremes that make it unhealthy. Doesn't have to be that way. When I went Paleo 5 or 6 years ago, I swapped heavy cream and Stevia for a touch of Coconut Milk. All of Coconut Milk's fat can be directly burned for energy...
by lazydavid
Wed Nov 08, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 2957

Re: Business Laptop Suggestions Request

This is pretty much the perfect all around non gaming laptop deal for now... 8th generation quad core with 8 threads! 256GB SSD, 8GB RAM, 1080p screen for $520 ... No way you can beat the specs for the price. I beg to differ. It might be cheap, but that doesn't mean it's a deal. I would never recom...
by lazydavid
Tue Nov 07, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 519

Re: messages to mobile hotspot?

A hotspot has a SIM and a mobile number, so I suppose it should be technically possible to deliver SMS to it. But after having carried various different models for the past decade, I've certainly never received any messages or even seen a function in the menu where one could be viewed. There certain...
by lazydavid
Tue Nov 07, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2927

Re: Fair Price for a Kitchen Remodel

Definitely seems high, as it's nearly double what we paid 4 years ago for: Complete teardown to the studs, all appliances removed One half-wall removed, one increased in height to accommodate breakfast bar Flooring kept, some additional installed under cabinets and where half wall removed 7 new outl...
by lazydavid
Tue Nov 07, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: "$1 Million is Closer Than You Think"
Replies: 54
Views: 9327

Re: "$1 Million is Closer Than You Think"

Starting point $912,000, chances of reaching $1M in 5 years: 64%
Starting point $913,000, chances of reaching $1M in 5 years: 95%+

I guess every little bit DOES matter!
by lazydavid
Tue Nov 07, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Lowering taxes on business in the US
Replies: 17
Views: 1340

Re: Lowering taxes on business in the US

In before the lock. The theory is that lower corporate tax rates will reduce the incentive to shelter income in offshore subsidiaries and declare more profits in the US. Unfortunately, the theory is hogwash. To make up some numbers and avoid any politicking, let's say that I proposed reducing the av...
by lazydavid
Tue Nov 07, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3447

Re: Car battery?

I generally follow the advice of my auto shop teacher in high school (does anybody else remember auto shop in high school? :happy ) "Figure out the biggest size battery that will fit in that space, and buy the heaviest one you can find." Yep, have done this in both of my BMWs. My current E90 comes ...
by lazydavid
Tue Nov 07, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3137

Re: Heavy duty cordless drill/hammerdrill recommendation

If you can find other uses for a compressor, air-driven impact wrenches are usually best. If not, I'd go corded electric. Cheaper, lighter, and more powerful than the battery ones (at least until you get into the REALLY expensive battery ones). But first at least attempt the breaker bar with a cheat...
by lazydavid
Mon Nov 06, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2097

Re: Climate controlled cars - Useful or Useless?

Don't even get me started about the lack of true "vent" windows on cars these days! Lol, I had completely forgotten about those! Also known as the "we don't know how to make a non-rectangular window that goes up and down, so here's this triangular thing with a bizarre latching mechanism that will w...
by lazydavid
Mon Nov 06, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3137

Re: Heavy duty cordless drill/hammerdrill recommendation

Pretty much any brand/voltage will provide an impact driver . This has a 1/4" hex chuck, and is an ideal tool for driving and removing fasteners in non-delicate materials. Way less stress on your hand, and less likely to strip the bit or fastener. Generally only the higher-end brands will have an im...
by lazydavid
Mon Nov 06, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2097

Re: Climate controlled cars - Useful or Useless?

For example if I get in a cold car, do I set it to MAX temp or just the temp I eventually want it to be, i.e 70F? Yes set it to the desired temp, and let it take care of it for you. It boggles the mind how even people who work at the dealer--and should therefore know better--set the controls to HI/...
by lazydavid
Mon Nov 06, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3956

Re: Did I earn an extra hour of interest last night?

Mudpuppy wrote:
Sun Nov 05, 2017 12:32 pm
I don't know many courts of law that would be in operation during the 1:00am/2:00am/1:00am local time shift.
The court's typical hours of operation have absolutely no bearing on when the events described during the hearings in those courtrooms actually occurred.
by lazydavid
Mon Nov 06, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1881

Re: Has anyone bought a Samsung Note 8?

Thank you. To save Boglehead's space, I removed some of the content of your post. I'll have to reread and learn a lot from your thread. I know that even on my Note 5, there was a Pro Mode that allowed me to use many of the same features of my DSLR in manual mode. I'm thrilled with the dual rear cam...
by lazydavid
Mon Nov 06, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1881

Re: Has anyone bought a Samsung Note 8?

Got my Note 8 for half price and a week before launch because I had owned the Note 7, which I still regret having to give up--it was THAT good. I actually considered importing a Note Fan Edition (Refurb Note 7 with smaller battery), but $900 for a year-old flagship with a crippled battery was too ri...
by lazydavid
Mon Nov 06, 2017 5:52 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4719

Re: "PROBABLY THE WORLD'S BEST INVESTMENT FORUM"

I like the use of the qualifier "probably". It reminds me of a shoe store in town that advertised itself as having "probably the lowest prices in town". I bought my shoes there for years just based on that one advertisement in their window. Seems to me like a take on The Chive's tagline, "Probably ...
by lazydavid
Wed Nov 01, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off, 401k rolled to IRA. What are my limits on 401k w/ new employer?
Replies: 9
Views: 618

Re: Laid off, 401k rolled to IRA. What are my limits on 401k w/ new employer?

Some employers will let you set an explicit cap at an arbitrary figure less than $18k, and automatically stop your contributions when you hit that value. Many will not. For those that don't, you'd need to figure out how much you can contribute per paycheck to wind up at a total for the year that is ...
by lazydavid
Wed Nov 01, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Getting matching 401k contributions from 2 employers
Replies: 5
Views: 825

Re: Getting matching 401k contributions from 2 employers

Leaving aside the question of whether Company A will return the excess contributions (which is a valid question), I think it's unlikely that this scheme would result in scamming them. Just some simple math: Company A matches 100% up to $5k. So you need to contribute at least $5k to get the maximum m...
by lazydavid
Wed Nov 01, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Replace or Repair Car and Replacement Options
Replies: 15
Views: 1149

Re: Replace or Repair Car and Replacement Options

The BRZ/FT-86 are supposed to be great driving cars, IF you can get in them. I haven't driven one, because I can't. They're really small.

I would definitely replace, and if you want to stay sporty, look at things like the Civic Si, VW GTI, Ford Fiesta or Focus ST, Subaru WRX.
by lazydavid
Wed Nov 01, 2017 5:18 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5569

Re: Password Protection

No, way more secure. That is because only you have the encrypted file's password, not Dropbox, Lastpass, etc. The only time you enter it is locally, on your computer, offline. Nobody else ever has your password. It never leaves you. You never send it over the internet or anywhere. It never resides,...
by lazydavid
Tue Oct 31, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3355

Re: Breaking point to get a new to newish car

While you are deciding what to do, put a bottle of this in your gas tank: Chevron 65740 Techron Concentrate Plus Fuel System Cleaner. It may help. Unfortunately, now that most cars (including the OP's 335i) are Direct Injected, Fuel detergent additives are very close to useless. It's like putting a...
by lazydavid
Tue Oct 31, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5452

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? I'm afraid...
by lazydavid
Mon Oct 30, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5569

Re: Password Protection

I wouldn't exactly described a process that is functionally equivalent to how LastPass works and EXACTLY the same as 1Password, as "way more securely". The proper phrase is "just as securely".
by lazydavid
Mon Oct 30, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5569

Re: Password Protection

Because it's simple. The entire AES algorithm can be printed on a single sheet of paper, and is therefore easily examined by anyone. We know exactly what it does, and how it does it, and we therefore know why there are no practical attacks on it. One problem is that even a mathematically bullet pro...
by lazydavid
Fri Oct 27, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4213

Re: How to get over the fear of traveling without spouse and children?

Think of it this way... if you were travelling with spouse and kids, do you think the flight would be any safer? I think the second part of her sentence is actually the fear. She's not afraid of dying per se, but the impact on the rest of the family that results from leaving them behind. If everybo...
by lazydavid
Thu Oct 26, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 68412

Re: Stay the course

The closing price of the S&P 500 Index was 969 on the last day in October, 2008 (the month you posted your message). Today the S&P 500 Index hit an all-time high of 2,137. How soon we forget. It's been about 15 months since Taylor's post above, and literally yesterday I read another post complainin...
by lazydavid
Thu Oct 26, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100821

Re: U.S. stocks in freefall

CNBC referred to today as a "sharp decline" before stocks regained some losses. So 1% is a sharp decline now CNBC? And we didn't even end on that much! Indeed. Leaving the percentages aside, I "lost" $2k yesterday. In last year's relatively mild post-Brexit drop, I "lost" $22k. And this is on a bas...
by lazydavid
Thu Oct 26, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??
Replies: 40
Views: 2513

Re: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??

A few years ago we few "First" (now correctly called "Business") on AA from ORD (Chicago) to HNL. This was a 737 or MD80 (don't remember which) from ORD to DFW with traditional domestic first--large, comfy seat with limited recline and good legroom. The leg from DFW to HNL was on a 767-200 with angl...
by lazydavid
Thu Oct 26, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4213

Re: How to get over the fear of traveling without spouse and children?

Flying the major's heavy jets is levels of magnitude safer than traveling in a car (or walking down the street, or on a flight of stairs, or eating restaurant and choking for that matter). As an example the odds of dying in a transatlantic plane crash has been estimated at approximately 1 in 5.4 mi...
by lazydavid
Thu Oct 26, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3481

Re: Amazon kindle paperwhite

Edit: I see the paperwhite has a built in light. I'm curious how that works. Does that make the screen look like a computer screen? Because I wouldn't be interested in that. No it does not make it look like a computer screen. eInk screens are opaque, so it is literally impossible to backlight them ...
by lazydavid
Thu Oct 26, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 967

Re: Help - 401k John hancock Fund Selection

I don't see this fund in the OP's list. I see the "500 Index Fund 22 0.63" Second from last under growth: Growth : 500 Index Fund 22 0.63 Fidelity ContraFund 1.03 Mutual Global Discovery 61 1.34 Fundamental Large Cap Value 1 0.82 John Hancock Disciplined Value 0.87 JPMorgan MidCap Value Fund 1.25 L...
by lazydavid
Wed Oct 25, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Changing from company 401k to other
Replies: 11
Views: 798

Re: Changing from company 401k to other

I would still invest in it using the standard order: 1. Contribute to the 401k up to the match 2. Max out Roth IRA 3. Contribute to the 401k to your remaining ability, or the $18k cap Despite the high cost--though I'd avoid the funds with 177.77% ER :mrgreen: Reason being, you probably won't be with...
by lazydavid
Wed Oct 25, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Why A NFL Football Player Drives A 26 Year Old Car
Replies: 10
Views: 2340

Re: Why A NFL Football Player Drives A 26 Year Old Car

Though he seems like the type that would continue to drive it otherwise, we shouldn't delude ourselves. After Mazda did (free, I assume) a full frame-off restoration, it isn't exactly a 26-year-old car anymore--at least not in terms of the concept those words summon in our heads.
by lazydavid
Wed Oct 25, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2434

Re: Honda Accord LX with no transmissin dipstick

munemaker wrote:
Tue Oct 24, 2017 11:36 pm
I do not ever remember seeing a Honda Accord towing a trailer.
I have seen it numerous times with a Camry/Accord. Never anything big, but small storage trailers up through very small (2-person) popups.
by lazydavid
Tue Oct 24, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Popularity of Funds that track the Dow instead of the S&P 500
Replies: 19
Views: 1685

Re: Popularity of Funds that track the Dow instead of the S&P 500

All valid points, it's just maddening to see DOW break record after record while S&P sits at 2500 for what seems like forever. Can anyone recommend a mutual fund that best tracks DOW? I realize it is weighted abnormally. We definitely don't condone performance chasing, as what is in favor will even...
by lazydavid
Tue Oct 24, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Teenagers, debit cards, etc.
Replies: 16
Views: 1127

Re: Teenagers, debit cards, etc.

Are secured credit cards still a thing? These are like traditional Visa/MC/whatever, except the balance is pre-loaded. Kind of like a reloadable gift card in that way, but with the advantage of being associated with a specific person, having monthly statements and online account management. Load it ...
by lazydavid
Tue Oct 24, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2434

Re: Honda Accord LX with no transmissin dipstick

I agree you are only changing 50% of the oil, but the vehicle manufacturer knows this too and it is factored into the maintenance schedule. On many modern cars, there is no maintenance schedule for transmission fluid. The manufacturer expects you to leave the factory fluid in until the transmission...
by lazydavid
Tue Oct 24, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4788

Re: What service do you pay for that you could easily do yourself?

Ah, but I only removed my drain plug but once :wink: True, but you still have to get under the car every time. :P I only have to get my car off the ground to change the fuel filter and brakes, each of which I've only done once so far on my current car. You could use ramps for the former, but can't ...