Search found 2191 matches

by lazydavid
Wed Apr 24, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Examples of financial accounting rules not applicable to personal finance?
Replies: 33
Views: 1033

Re: Examples of financial accounting rules not applicable to personal finance?

More explanation will be appreciated. Why use cash basis over accrual basis? Suppose I purchase a computer on 4/20/2019 w/ credit card and will payoff credit card bill on 5/15/2019. Should I recognize the expense on April (using accrual) or May (using cash basis)? A company using accrual basis will...
by lazydavid
Tue Apr 23, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 57
Views: 2970

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

I recently bought a whole set of torque sticks, I'm still experimenting with them. Even still, l would be concerned on some wheel types of scratching -- think custom wheels with inset/recessed lugs. My wife's winter set are like that. After spinning the lugs off, I actually have to pry them out of ...
by lazydavid
Tue Apr 23, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 57
Views: 2970

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

The main problem I have observed with tire shops is that they use impact wrenches before torque wrenches. that can over torque. eg. If spec is 100N-m then impact wrench may tighten to 130 N-m, and mechanic later applies torque wrench to 100N-m, the joint is still over tightened. The nut must turn d...
by lazydavid
Tue Apr 23, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3973

Re: At what age did you buy your first first class airplane ticket?

First class, totally out of pocket, for our honeymoon at age 29. Absolutely worth it. Have flown first/business class on my own nickel many times since then and never regretted it for a second. We just told the airlines we were on our honeymoon and they upgraded us to first class with no charge. :h...
by lazydavid
Tue Apr 23, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2113

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Apparently my local Kohl's was part of the pilot. I've used this 8-10 times over the past couple years, and just assumed this was available at all stores already.

It's super convenient.
by lazydavid
Tue Apr 23, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3973

Re: At what age did you buy your first first class airplane ticket?

bigtex wrote:
Tue Apr 23, 2019 8:48 am
How much more does it cost to simply charter your own private jet vs. 3-4 first class tickets on a commercial airline?
About double. Last time I looked, you had to have 8 people going the same place to get the price in the same ballpark as flying F on a major carrier.
by lazydavid
Tue Apr 23, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 32
Views: 2087

Re: Best pillow under $50?

Nobody's mentioned the My Pillow from all those TV commercials--anybody tried one? I admire Mike for overcoming 30+ years of addiction to become an upstanding businessman! We got one as a gift and we both hate it. But my wife uses it as a knee pillow, and she likes it well enough for that purpose.
by lazydavid
Tue Apr 23, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 57
Views: 2970

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

"So big question now - Over torquing lug nuts ... rampant issue in most all shops. Although in my Walmart auto center I watch them actually use a click wrench on every lug nut. One of the reasons I also like Costco for tires. When they first opened up by me, I watched them hand torque lug nuts with...
by lazydavid
Tue Apr 23, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3973

Re: At what age did you buy your first first class airplane ticket?

First time was a You can “afford” to fly first class but only have 140k in retirement plans? Really?? No kidding. We make considerably less than the OP, are 40/41 with $160k remaining on our mortgage at 2.5%, and a portfolio that is just shy of the two-comma mark, not including Credit Union accounts...
by lazydavid
Mon Apr 22, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 10
Views: 734

Re: I'm evaluating Quicken 2019 vs Personal Capital

Interesting, what banks/institutions did you have trouble with? I don't recall anymore, as it was about a year ago at this point. At the time, I had bank accounts with mb Financial and a local credit union. I also had my mortgage with the credit union, but Quicken wouldn't accept that since it was ...
by lazydavid
Mon Apr 22, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1433

Re: Apple Air

I Believe PS/2 stood for Personal System /2 to distinguish it from the original Personal Computer ("1" implied retroactively). It's the second generation and "system" sure is a step up from "computer." "System" was in the spirit of the time. It did go from an open architecture to a proprietary arch...
by lazydavid
Mon Apr 22, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 10
Views: 734

Re: I'm evaluating Quicken 2019 vs Personal Capital

I tried Quicken last year based on a recommendation here. Bought the 2-year subscription when it was on sale. Alas, at least in my case it turned out to be worse than useless. Most of my accounts connected, but about 2/3 of them consistently pull in bad data. From some googling, it appears that is b...
by lazydavid
Mon Apr 22, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Is the Subaru Outback a safe car?
Replies: 9
Views: 1148

Re: Is the Subaru Outback a safe car?

They've got a bad data source. Their "least safe" moniker is based on the "fact" that the Outback has a driver death rate that is at least 20% higher than other vehicles in the same class and weight. So let's look at the actual data , shall we? There are 4 vehicles in the "Midsize station wagons/min...
by lazydavid
Mon Apr 22, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 80
Views: 3083

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

To be clear, separating these devices does not automatically mean they have to be on a Guest network. Any sufficiently feature-rich AP should allow you to create multiple protected networks with different SSIDs and different security policies. I'll yield to your expertise, but that's not my experie...
by lazydavid
Mon Apr 22, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 80
Views: 3083

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I do not know if they have Guest network capability. We do not have a guest network but also do not have guests, so it is a non-issue at our house. It is not a non-issue if you have internet connected devices in your home - switches, outlets, alarm system, thermostats, appliances, fans, garage door...
by lazydavid
Mon Apr 22, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 32
Views: 2087

Re: Best pillow under $50?

Last year I tried a half-dozen pillows all the way between $20 and $120. The one that finally worked for me was the Miracle Bamboo from Bed Bath and Beyond. Still not as good as the down alternative one I got probably 8 years ago that it replaced, but good enough that I don't have horrible neck ache...
by lazydavid
Sat Apr 20, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4122

Re: Washing Machine that uses a LOT of Water

Pretty much all of them. I put in the clothes and press start. I almost always use the 27 minute quick cycle and it defaults to what I used last time. I don't reduce the load size. No pre-soaks. No extra rinses. I'm not sure how an extra rinse cycle would help clean clothes since it has no detergen...
by lazydavid
Fri Apr 19, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 40
Views: 2713

Re: French Door Refrigerator Recommendations?

Another good point is their counter depth models, if you can afford it. They have a 72" high vs the standard 68/69" models. That extra 3-4 inches increases the capacity enough that it was worth the extra $$. Most counter depth are around 18-20 cu ft, while the taller KitchenAid is 22cu ft. We had t...
by lazydavid
Fri Apr 19, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3072

Re: DW worried about What if ...? Wishes to pay off mortgage

Toons wrote:
Fri Apr 19, 2019 12:42 pm
I prefer having a paid off home.
You have "options"
once done.
:happy
Options that are completely irrelevant with regards to estate planning for a 10 year old.
by lazydavid
Fri Apr 19, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Smoke detectors
Replies: 36
Views: 1699

Re: Smoke detectors

There are several recommendations for buying a combination smoke and CO detector. A word of caution - make sure you understand the reason you might not want to do this. I posted early about replacing my hardwired smoke detectors with a combination ionization and photoelectric detector, the First Al...
by lazydavid
Fri Apr 19, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4421

Re: Car Battery

Would warranty cover damage due to user leaving the battery unused for an extended time? It is Duralast Gold battery bought from Autozone and it has the usual 3 + 2 years warranty. Warranty is very binary. You take it to the store, they're going to do a charge/load test on it. If it fails, you get ...
by lazydavid
Fri Apr 19, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 1972

Re: In search of a dishwasher that dries plastics well...

The other option could be a higher end Miele which opens slightly for drying after the wash is completed. This was explained to us by the retailer associate but we did not go for that option. Our Miele does this, and it's absolutely awesome. Also serves as notice that the cycle is done, since the t...
by lazydavid
Fri Apr 19, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21876

Re: "The best and worst U.S. states for retirement"

McCharley wrote:
Fri Apr 05, 2019 9:42 pm
If Hawaii isn't #1 then their algorithm is wrong.
Only if the title of the article is actually:

"The best and worst U.S. states for retirement with an 8-figure portfolio"

Then I agree wholeheartedly
by lazydavid
Thu Apr 18, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1668

Re: Is it worth renting a car in Vegas?

It may or may not be worth it to save $50, but the Mlife Rewards Mastercard has no annual fee and grants you Pearl status. That in turn is enough to get you free parking at all MGM/Mirage resorts. We hold (and never use) this CC for just this purpose.
by lazydavid
Thu Apr 18, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4421

Re: Car Battery

I am dealing with a completely discharged battery as I write this. I had to go out of town unexpectedly for over four months and could not take any preemptive measures. Now the battery is completely dead and not even a Noco Genius GB40 (12V, 1000 A) (https://www.amazon.com/gp/product/B015TKUPIC/ref...
by lazydavid
Thu Apr 18, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I have been using lastpass for 2-3 years. It is only 12 buck a year which really reasonable given how easy it has made to add 2FA plus creating strong passwords. It is available on all devices, sync up easily, allows me to use various 2FA tools such as google authenticator, yubikey etc. Autofill wo...
by lazydavid
Thu Apr 18, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4421

Re: Car Battery

Definitely battery tender. I bought a cheap waterproof float charger for $14 that I leave permanently attached (via ring terminals) to the portable generator I have set up as backup power for the house. I figured it would be pretty bad if the power went out, and the generator wouldn't start because ...
by lazydavid
Thu Apr 18, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

Be aware that if you lose or forget your master password, you will have to rebuild LastPass from the ground up. I know this: :oops: Though I'm sure this was a colossal pain, it's actually good that this is the case. If there were a method to reset a forgotten master password, that would mean that L...
by lazydavid
Thu Apr 18, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

If the core encryption/security of the free version is less than the premium, I would avoid the entire system. The Premium should simply provide extra features that are of value, not "more security." Their web site does list what you get by upgrading to premium. Core encryption is the same, as is m...
by lazydavid
Thu Apr 18, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

Outside of being part of an organization, would you just go with the free personal version of LP or subscribe to the Premium? Trying to understand the difference. I would, for a couple of reasons: 1) Fingerprint support on mobile is super-convenient 2) Emergency access 3) I personally find value in...
by lazydavid
Thu Apr 18, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I'm a big fan of LastPass, but also spent several years with 1Password synced to my Dropbox. The single most important thing about using a password manager is to select a long, easy-to-remember pass phrase that you have never and will never use anywhere else . Mine is 35+ characters, but I can type...
by lazydavid
Thu Apr 18, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I'm a big fan of LastPass, but also spent several years with 1Password synced to my Dropbox. The single most important thing about using a password manager is to select a long, easy-to-remember pass phrase that you have never and will never use anywhere else . Mine is 35+ characters, but I can type ...
by lazydavid
Thu Apr 18, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Sienna all weather mats
Replies: 12
Views: 648

Re: 2016 Toyota Sienna all weather mats

Love the weathertech floor liners. Have them in every car except the wife's Q7, which came with some surprisingly good rubber mats as part of the cold weather package.
by lazydavid
Thu Apr 18, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Smoke detectors
Replies: 36
Views: 1699

Re: Smoke detectors

I have eight detectors throughout my small three bedroom house with one inside every bedroom as some people close their bedroom doors at night. I also have a small fire extinguisher on every floor of the house. Yeah, I know, I may be over reacting but a family member's life is worth more than a cou...
by lazydavid
Thu Apr 18, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1431

Re: microwave that doesnt beep forever?

mindboggling wrote:
Wed Apr 17, 2019 4:29 pm
I have a low-end GE washing machine that I have been using for 22 years.
How many times does it beep when it's done cooking your food? :P
by lazydavid
Thu Apr 18, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: Smoke detectors
Replies: 36
Views: 1699

Re: Smoke detectors

I use Nest Protects throughout my house. Some are hardwired with battery backup, others are battery powered. The oldest one is 6 years old, and other than when I moved and took them with me, I've never had to touch any one of them. I expect the sensors to start failing their daily self-tests in a co...
by lazydavid
Thu Apr 18, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4122

Re: Washing Machine that uses a LOT of Water

In addition to adding more water, add 1 teaspoon of trisodium phosphate to each load. Oxiclean is also good. TSP is a great cleaner but terrible for the environment. Find a washer with extra rinse cycle. If that's a concern, one could choose TSP/90 (Sodium Metasilicate) instead. It has cleaning per...
by lazydavid
Wed Apr 17, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8147

Re: Luxury car recommendations?

The Lexus ES is really just a high trim level Camry. Basically a Camry with leather and some extra options. I see this trope repeated over and over on these forums, but it has not been true for 7 years. The 2012+ ES350 is based on the Avalon; there is no current Lexus model based on the Camry. Both...
by lazydavid
Wed Apr 17, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164168

Re: Boglehead Beer

Thanks for the compliment Doom&Gloom. There are many roads to Dublin, even when it comes to beer. There are many roads to Dublin, but they all lead to that holy grail of beer...draught Guinness! Only serves to remind me that MolsonCoors stopped importing Caffrey's Irish Ale (made right next door to...
by lazydavid
Wed Apr 17, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2248

Re: Clipless pedals for a hybrid bike

Good coincidence that this thread popped up today. I have two updates: Saturday it was nice out (before our ridiculous 8+ inches of snow on Sunday :oops: ), so I went for a short ride (5.5 miles) on my outdoor bike. I felt very unstable, because now that I've gotten used to pedaling all the way arou...
by lazydavid
Mon Apr 15, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3832

Re: Where To Get New Bikes

Then two summers ago we started watching Craigslist for a while for new bikes but nothing came up. Eventually spent about $350 a piece at the local bike store: Mine: https://www.giant-bicycles.com/us/roam-3-2017 Hers: https://www.giant-bicycles.com/us/rove-3--2015--2014 (not sure of the exact model...
by lazydavid
Sun Apr 14, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 40
Views: 2713

Re: French Door Refrigerator Recommendations?

Love our LG counter-depth french-door fridge, but the icemaker is a definite weak point. It makes ice almost as fast as what you'd find in a side-by-side (6 half-moons every 8-10 minutes), but only holds about 3 lbs, whereas many side-by-side icemakers have a capacity in the 10-15 lb range. We use a...
by lazydavid
Sat Apr 13, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: How to record webcam?
Replies: 15
Views: 1449

Re: How to record webcam?

If you're running Windows 10, the built-in camera app has a decent video recording function. I've used it several times to record presentations for grad school.
by lazydavid
Sat Apr 13, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 125
Views: 7931

Re: fun car advice

*the F87 M2, I have one, is sometimes said to be a throw back to earlier M car values, anyway a fun car for sure. Used M2's sell for under $50k. +1 Go for one with a touchscreen iDrive and manual transmission. Smiles all around. That would 100% be my choice in this space, but I think there's quite ...
by lazydavid
Sat Apr 13, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2299

Re: Remote control solution for my parents.

They look so similar. Why one over the other? What about the logitech's with the lcd display? Any opinion on those? I'm a lifetime geek who loves this stuff, so of course I got the $300 (or whatever) Harmony One when it came out, with the fancy touchscreen and everything. Then later I got the Harmo...
by lazydavid
Fri Apr 12, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Unique Hit and Run Situation
Replies: 29
Views: 3135

Re: Unique Hit and Run Situation

Earl Lemongrab wrote:
Fri Apr 12, 2019 1:53 pm
Property damage by accident is not a crime. Where did you get that idea? You are describing vandalism, which IS a crime.
:oops: Ugh. You are right of course. I was trying to chase after the legal liability aspect of it and completely narfed it up. :sharebeer
by lazydavid
Fri Apr 12, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Unique Hit and Run Situation
Replies: 29
Views: 3135

Re: Unique Hit and Run Situation

I can't speak for every jurisdiction, but years ago when someone hit my old truck in a parking lot the police said it was not a crime. Only hit and run on the public streets came under that. A lot is private property. They did run the plates for us and gave us the information. Either the police off...
by lazydavid
Fri Apr 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4274

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have a good friend who was having her first baby and wanted some advice on a family vehicle. I went with her and her husband to a few places looking at suitable cars. Her requirements were a newer car with under 80k miles and under 20K. I had mentioned a Volvo, Subaru, Honda CRV or Pilot, and a f...
by lazydavid
Fri Apr 12, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4274

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

That equation doesn’t tell you anything as peak HP and peak torque aren’t at the same spot and both engines could have different curves. I am willing to bet spec sheets are right (I.e. companies get sued and lose regularly for bad misleading info) and that they did engineering work to make it the s...
by lazydavid
Fri Apr 12, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 16
Views: 1688

Re: Computer Security

If Microsoft's antivrus/malware tools are so excellent, why do so many major employers pay for other options? Different class of product. Large corporations need central management and reporting, for audits and other reasons. Microsoft Defender provides none of this. In the absence of those feature...