Search found 1032 matches

by lazydavid
Wed Sep 20, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 26
Views: 1671

Re: Lease vs. Buy debate with a twist...

You didn't say which model you drive, but I am surprised if the differences are so large. Is it an SUV or pickup by any chance? Because 17 mpg, even on a US gallon, is quite a low mileage? BMW 335d. Equivalent gasser is the 335i. Both have twin-turbo, 3L inline sixes, and are the top of their respe...
by lazydavid
Wed Sep 20, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 26
Views: 2740

Re: The Magic of Savings Rate

I don't think the chart really works all that well at the outlier numbers. Even if my savings rate was 100%, I wouldn't be under two years from FI (I imagine that's true for most). Likewise, even if I only saved 5%, I'm fairly certain I could retire before I die (probably won't make it another 66 y...
by lazydavid
Wed Sep 20, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Dividend Strategies Fall Short
Replies: 11
Views: 730

Re: Larry Swedroe: Dividend Strategies Fall Short

Compare the return of the SP500 index fund (with 500 stocks) with the return of the total stock market index fund (with 3,600 stocks) over a long period and you will find that they are very similar indeed. And I would argue that any difference in return is not due to increased diversification, but ...
by lazydavid
Wed Sep 20, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 26
Views: 1671

Re: Lease vs. Buy debate with a twist...

Absolutely avoid a diesel car, because emission restrictions in urban areas are only going to get tighter. This, at least, is certain in Europe. You don't want to be trying to sell a diesel car in 5 years. Hogwash, at least in the US. Diesels are exempt from emissions testing in numerous states inc...
by lazydavid
Tue Sep 19, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Car recommendation
Replies: 18
Views: 1382

Re: Car recommendation

Why not go with another X1? They are good cars and much faster and sporty than a CRV or Rav4. Not really sportier anymore. 2015+ models are now FWD, and the six-cylinder has been dropped. Market research found that most 1 series/X1 owners didn't even know that their car was RWD, so they moved both ...
by lazydavid
Mon Sep 18, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 41
Views: 3884

Re: USPS lost very important certified mail - What next?

It's good that the bank is not obligated to pay an old check. However, the rule does not seem to prevent the bank from paying it anyway. Is there any assurance the bank will not cash such a check? Of course, you could put another stop on the check after six months and pay another fee, but that woul...
by lazydavid
Mon Sep 18, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 125
Views: 11852

Re: Calling out the not so rich bogleheads

avalpert wrote:
Mon Sep 18, 2017 6:36 pm
He didn't initially say it was the percentile for his age - so no, I wasn't off by an order of magnitude.
We can agree to disagree. I understood, but if you want to be pedantic, that's fine too.
by lazydavid
Mon Sep 18, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 26
Views: 1391

Re: Convertible in Florida or not...

When I turned 40 I bought a Porsche convertible and had a blast with it. Top was down almost all the time. I'll be 70 in December and would not do that again Interesting. My Father-in-Law bought his second convertible the same year he turned 70. His first convertible was also his first car. He's no...
by lazydavid
Mon Sep 18, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 125
Views: 11852

Re: Calling out the not so rich bogleheads

The vast majority of Americans do not LBYM and are not Bogleheads. Good thing, too, or corporate profits wouldn't be so high. I'm 25, never had a real job due to being in school, never made more than median American wage, and have a net worth in the 93-percentile (according to survey of consumer fi...
by lazydavid
Mon Sep 18, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 41
Views: 3884

Re: USPS lost very important certified mail - What next?

If you stop payment on a check, is that a permanent stop, or is it in effect for a limited time? I seem to recall my bank telling me a stop was good for only 6 months. 6 months is all you need: According to Article 4-404 of the Uniform Commercial Code, a bank is not obligated to pay a check out of ...
by lazydavid
Mon Sep 18, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 59
Views: 2997

Re: Getting (young) kids interested in coding

For younger kids, I like the Lightbot games on iOS/Android. You solve puzzles by creating a series of instructions that your robot will follow (move forward, turn left, jump, etc) in order to light the proper tiles in a qbert-like board. As you advance, you move into creating functions for repetitiv...
by lazydavid
Mon Sep 18, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 41
Views: 3884

Re: USPS lost very important certified mail - What next?

For tracking I use Registered Mail: "The USPS® offers a service called Registered Mail™ that provides extra protection for high-value letters and packages. When you elect to send a package by Registered Mail, the USPS establishes a chain of custody that tracks and secures your shipment throughout t...
by lazydavid
Mon Sep 18, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1193

Re: Super Nintendo Classic edition

Amazon has 11 in stock: https://www.amazon.com/Nintendo-Entertainment-System-NES-Classic/dp/B01IFJBQ1E/ It isn't the original 60 bucks a pop but the law of supply and demand still makes them available for a price. Amazon also has the Switch available from numerous suppliers. Amazon does NOT have 11...
by lazydavid
Mon Sep 18, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 41
Views: 3884

Re: USPS lost very important certified mail - What next?

My bank charges fees to stop payment on a check. Will USPS reimburse me these fees as well as the certified mail fees? USPS is simply not responding to any emails. At this point, you should treat this as two separate problems. You have to get these folks paid, so whether USPS will reimburse you the...
by lazydavid
Mon Sep 18, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of investing, where to once and for all
Replies: 17
Views: 2313

Re: Tired of investing, where to once and for all

1. Choose a target date/life strategy/income fund that matches your risk tolerance
2. Move all of your portfolio assets into the fund identified in #1
3. Never need to fiddle with your account again, and only have to deal with it once a year take your annual distribution.
by lazydavid
Mon Sep 18, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1193

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. That works just fine when buying products made by a corporation whose execut...
by lazydavid
Mon Sep 18, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1193

Re: Super Nintendo Classic edition

The super nintendo classic edition is supposed to come out on 9/29/17. I had signed up for the pre-order sign up emails from a few places (walmart, best buy, amazon). I never received any such email and now I see that most of the pre-orders are sold out. Pre-orders were sold out on August 22nd, wit...
by lazydavid
Mon Sep 18, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1580

Re: Audio books

i hate audio books 'cause usually the voice of the reader is terrible Apparently there is no crossover between the 200+ books I've listened to, and however many you did. I've listened to one that was a mediocre quality recording, and one narrator that didn't fit the material, but the rest have all ...
by lazydavid
Mon Sep 18, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6674

Re: Account security - Hackers gain access to mobile and then break havoc

Re, Authenticator app: say you want to change apps (stop using google Authenticator and start using another app). You'd have to go through the process of setting up new accounts? What happens when you upgrade phones? Will restoring from backup bring your accounts up to date? What if you don't resto...
by lazydavid
Sat Sep 16, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6674

Re: Account security - Hackers gain access to mobile and then break havoc

How do they social engineer the release of the account user Ids? So what if they have my SSN # and maybe my mother maiden name how does that get them the account IDs? They don't have to social engineer, just click the "forgot your username?" link. Each bank varies, but mine asks for name, DOB, SS#,...
by lazydavid
Sat Sep 16, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3751

Re: Large portable generator vs. permanent natural gas generator for home

"As best I understand gasoline deteriorates with age if it is so stored" True, but a manageable problem. Every fall I dump the gas can that holds the generator gas into the car tank, refill the can, and add Stabil. The car happily digests the old gas mixed in with the new, and I'm good to go for an...
by lazydavid
Fri Sep 15, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6674

Re: Account security - Hackers gain access to mobile and then break havoc

This is interesting. How is the access to app authenticated. Does the QR code needs changing every time or is just stores encrypted by the app and generates a new code every time. (Similar to VPN duo security?) Access to the app is not authenticated--that's your responsibility. You need to control ...
by lazydavid
Fri Sep 15, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

Until the network operators upgrade their own equipment faster chips in your new phone won't make any difference - and the upgrades that are going to come during the primary useful lifespan of the iPhone X are not going to get to the point where the LTE chip it contains is a bottleneck. This is the...
by lazydavid
Fri Sep 15, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1580

Re: Audio books

If you have an active Audible membership, in addition to the one credit a month that gets whatever book you want, they have a deal of the day, one book that's anywhere from $2-4. I wind up buying a couple of these a month also. 2 books for one credit sales (limited selection, but usually around 500 ...
by lazydavid
Fri Sep 15, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3751

Re: Large portable generator vs. permanent natural gas generator for home

Interesting thread. Listening to our 27KW generator running outside the house as read this thread, it has been running now for over 5 days since (and during) Hurricane Irma, powering house including two a/c compressors. And not that noisy, far less than portable generators. 27kW has you into the mo...
by lazydavid
Thu Sep 14, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15889

Re: Is it really Worth it to brown bag your lunch at work?

tj wrote:
Thu Sep 14, 2017 10:40 am
Interesting. My parents always told me 2 to 3 days max on meat in the fridge.
UNcooked. Even that's gotten longer with better packing techniques. We grocery shop only on the weekend.
by lazydavid
Thu Sep 14, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3313

Re: US removing Kaspersky Antivirus from government computers

Sad. Now the billion+ Chinese (and the billion+ Indians?) should drop Windows and iOS because they are American? Or do you guys really feel that the Chinese are incapable of writing an operating system? They have no need to. Windows 10 China Government Edition was released in May. The Windows 10 Ch...
by lazydavid
Thu Sep 14, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 96
Views: 6674

Re: Account security - Hackers gain access to mobile and then break havoc

For services that allow TOTP (Time-Based One-Time Passcode), ALWAYS choose that option instead of SMS or email. They will show you a QR code one time, you take a picture of it using an authenticator app on your phone--there are tons of these, from Google, MS, etc--and from then forward your phone ge...
by lazydavid
Thu Sep 14, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 9943

Re: The 10 year car ownership "rule"

If there is *another* BH in this forum who can replace (and have replaced) his own engine on his car, please stand up! I have a feeling that you are THE ONLY ONE here!! Average BH can NOT change his own brake pads if his life depended on it. I certainly can't replace an engine, but brake pads are a...
by lazydavid
Thu Sep 14, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 9943

Re: The 10 year car ownership "rule"

There are absolutely crown vics still active over a decade old in departments. It's already been half a decade since the newest model rolled out of the factory Yep, the very last Crown Vic rolled off the assembly line exactly six years and one week ago. Though that specific one is not on patrol ser...
by lazydavid
Thu Sep 14, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

They might not make a 6 in a year or two but more likely you'll be left behind from an OS version standpoint and 1 by 1 your apps will eventually stop working. They don't make the 6 NOW. It was discontinued on September 7, 2016, the day the 7 was introduced. 6s (and the SE, which is based on the 6s...
by lazydavid
Thu Sep 14, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

Yep - that is where this started: with the screen being cracked. However, while troubleshooting this, she found out that the low/distorted speaker volume was due to some water penetration too (device still "works", but is really sub-optimal). Plus, her's is the crazy low-storage 8GB device (wife's ...
by lazydavid
Thu Sep 14, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

I'll likely get it. But here's my rationale: my son's new wife just damaged her iPhone 6. So I'll buy the iPhone X for me, give my iPhone 7 to my wife, she gives her iPhone 6S to our new daughter-in-law, and I take the damaged iPhone 6 and sell it on eBay. Assuming by "damaged" you mean "cracked th...
by lazydavid
Wed Sep 13, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

Anyone have any negative experience with buying a refurb directly from Apple? You get the same 1 year warranty as a new phone but save around $100 off the new price. In my experience, Apple refurbs are among the best there are. I've purchased a couple (mostly back in the old iPod days), and gotten ...
by lazydavid
Wed Sep 13, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Smart phones and data/text usage.
Replies: 31
Views: 1918

Re: Smart phones and data/text usage.

Car has Navigation so Google Maps isn't needed. This is true if your only priority is THAT you get to your destination, and WHEN is immaterial. Connected apps choose the most efficient route based on actual traffic, accidents, construction, etc. Just on my evening commute, Waze regularly (but unpre...
by lazydavid
Wed Sep 13, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

Not really true in my situation. I am on a grandfathered iphone unlimited plan. A new unlimited plan costs what I am paying now. Not really a fair comparison though, since this was always the case. The old unlimited plans were available for such a short time (discontinued literally one month after ...
by lazydavid
Wed Sep 13, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

At least for AT&T, it used to be that if you signed a 2-year contract, you got a lump sum subsidy of around $400. Service was the same price if you brought your own device, so there was little reason not to upgrade- it only cost around $200 out of pocket, and you could sell your old device for abou...
by lazydavid
Wed Sep 13, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Secure File Transfer
Replies: 6
Views: 395

Re: Secure File Transfer

https://send.firefox.com/ Encrypts the file in your browser using local javascript and a password you supply, then uploads it to Mozilla servers and creates a link. Provide the link and the password (ideally through different communication mediums) to the intended recipient. They click the link, pro...
by lazydavid
Wed Sep 13, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

I still use a subsidized iPhone 6S I bought in Spring, 2015. Many people thinking they are on a 24-30 month refresh cycle are going to get sticker shock when they realize carrier subsidies have ended and even a 64MB iPhone 8 is $699. The only people who should get sticker shock from the elimination...
by lazydavid
Wed Sep 13, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

marc515 wrote:
Wed Sep 13, 2017 6:41 am
CyclingDuo wrote:
Wed Sep 13, 2017 2:13 am
At least they haven't pooped on the new Apple watch yet... :shock:
Give them time!
<rimshot>
by lazydavid
Wed Sep 13, 2017 5:02 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

At least they haven't pooped on the new Apple watch yet... :shock: That was the most impressive part of the whole show. Though it's not the first watch to offer cellular connectivity, the 4 or 5 such Android Wear devices have had marginal incremental utility and been HUGE. Adding this functionality...
by lazydavid
Wed Sep 13, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

Math: Considering CPI-U, even the original iPhone would only be inflated 17% at around $350. Have they really added $650 of value? To have valid results, Math has to start with accurate figures: The iPhone debuted at $499 for the 4GB and $599 for the 8GB model on-contract. source: https://www.imore...
by lazydavid
Tue Sep 12, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14559

Re: Iphone X is $1000

I think the wireless charging is cool. I'm not sure it's worth the price tag but it's cool. But that's not unique to the X. It's also on the 8, starting at $699. And on numerous Android phones for the past 5 years. last week I just got the seventh so-equipped phone in our household (some now retire...
by lazydavid
Tue Sep 12, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3751

Re: Large portable generator vs. permanent natural gas generator for home

Thanks. What do you think the cost would run nowadays? 5-8k? I talked to one of the principals from our commercial generator service firm about pricing, and while they don't do residential, they train all the residential Generac installers for Illinois. He told me that I should expect $7k-8k on ave...
by lazydavid
Tue Sep 12, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15889

Re: Is it really Worth it to brown bag your lunch at work?

Absolutely. The cost is hard to calculate and varies depending on whether I've cooked for lunches or am simply bringing leftovers. But I'd guess it's somewhere between $4-6. I go out to lunch probably once a month, but it usually costs $25 (not fast food). My wife doesn't go out at all, unless it's ...
by lazydavid
Tue Sep 12, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Buying a car with a credit card
Replies: 8
Views: 1233

Re: Buying a car with a credit card

Aside from the general issues....45k for a Honda Odyssey? Base price for the Touring is $45,450 including destination but no additional options. Elite starts at $47,610. These top two trim levels would not seem out of place with an Acura or Lexus badge on the front, though they would cost quite a b...
by lazydavid
Tue Sep 12, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a car with a credit card
Replies: 8
Views: 1233

Buying a car with a credit card

Saw this article posted on Moneywatch this morning: http://www.marketwatch.com/story/this-man-bought-a-45000-car-on-his-credit-card-should-you-2017-09-11 When Chris Mixter, a 39-year-old IT consultant living in Virginia, was ready to buy a car, he decided to try to get a free vacation out of it, too...
by lazydavid
Tue Sep 12, 2017 5:04 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8373

Re: Contemplating an Electric Car

I appreciate that you're not disconnecting the DPF like the rolling coal idiots and you are still using DEF but I would say it's not accurate to say there are no changes to the emissions system-- the DME is an essential part of the emissions systems (could even argue the most important part). I am ...
by lazydavid
Mon Sep 11, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2198

Re: Feeling guilty for buying a new iPad pro

The iPad pro is pretty huge, so portability might be a reason I would go to an iPad Air 2 or whatever the current model is. That's the original iPad Pro 12.9", and it is indeed ginormous. Last year Apple introduced a 9.7" iPad Pro that is infinitesimally smaller than the Air/Air 2. This year they i...
by lazydavid
Mon Sep 11, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3158

Re: Keep or let go of my car?

Their price for replacing the bushings - control arm was $426 vs. dealer $750. The indy rec replacing both front ones, so 426 x 2. This is not too bad, if they're using OEM parts. The BMW-branded control arms for your car cost around $300 each. The $105/side parts cost I quoted earlier was for Febi...