Search found 1529 matches

by lazydavid
Sat May 26, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1160

Re: Computer RAM Prices

I thought the 100,000+ computer purchases were of low to mid range specs Possible, but seems unlikely given what they're being used for. AWS is essentially a giant Virtualization farm, which is the same thing I'm doing only 700 orders of magnitude larger. VM hosts are almost always memory-bound, bu...
by lazydavid
Sat May 26, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1160

Re: Computer RAM Prices

This has hit me in a major way this year, as I'm in the middle of a server refresh cycle. The price of RAM doubled between April and January, and then again from January to May. End result is a server with 512GB of RAM cost me $12k all-in 13 months ago. This month the memory alone was almost $19k, t...
by lazydavid
Fri May 25, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 43
Views: 2195

Re: Should I buy a new car?

Thanks for the great feedback. I actually did read that long-term test! I haven't had any bad experiences with wheels/tires on vehicles, so it's hard for me to visualize without mentally "discounting" the advice. Believe it. I put 19s on my 3-series shortly after I bought it. Several got bent or cr...
by lazydavid
Thu May 24, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 88
Views: 8951

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

One thing you could do is put an amount equivalent to your mortgage balance in taxable in something like a 60/40 mix. Call it your mortgage payoff fund. Evaluate each year whether or not return in the fund exceeds interest rate on mortgage. A few down years and you may just decide to be rid of the ...
by lazydavid
Thu May 24, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1150

Re: Buying Crypto tokens in private sale prior to ICO

Figure out how much money you'd be comfortable flushing down the toilet (don't forget the effort to use a plunger to unclog the pipes), and that's the amount I would recommend you invest in this. The part in parenthesis is hyperbole. If a crypto wallet is deleted or just ignored/misplaced, it's no ...
by lazydavid
Thu May 24, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 47
Views: 2354

Re: Need help with debt strategy

Attempt to consolidate your student loans into a percent of income plan if possible. Otherwise pay them off in this order: - Loan E $5500 @4.50 - Loan F $750 @ 4.45% - Loan A $5500 @4.29% - Loan B $6099 @4.29% - Loan C $5500 @3.76 - Loan D $6597 @3.76% I would pay off Loan F first, because the bala...
by lazydavid
Thu May 24, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3742

Re: Are high dividend stocks advantageous for the 15% tax rate?

Im still waiting to hear how you made tens of millions through DGI though. Especially considering your old posts show that you started like 5 years ago. What is your IRR? I think we all would like to know how to go from [insert moderate value here] to $33+ Million* in just 5 years using just stocks...
by lazydavid
Wed May 23, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I bet all it really needed was some wire snipping/shorting to the ground to fool it thinking that parking brake was applied all the time. clublexus will give exact instructions Nope, that's for DVD playback while in motion. I made that modification the first month we had it. To fool the input locko...
by lazydavid
Wed May 23, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2315

Re: Quicken - Do you use it?

No. I bought a 2-year subscription to Premier when it was on sale over the holidays, and found it utterly worthless for many of my accounts. I haven't looked at it in months. Here's what I remember Credit union: 2 out of 5 accounts supported, all transactions on one account duplicated Bank: Supporte...
by lazydavid
Wed May 23, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

+1! I dislike the infotainment system in our Toyota Highlander so much that I won't buy another Toyota until it's fixed. It's infuriating that the passenger cannot type a destination in while the car is moving. I think it was an overreaction by Toyota due to all the bad publicity they got from the ...
by lazydavid
Tue May 22, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Few years ago, RDX used to come with a turbocharged engine. As far as I can remember, there were no complaints about that particular engine. Fuel economy was the main one. It was a 2.3L four that drank like a 4.0L V8. Real-world gas mileage improved dramatically when they went to the 3.5L V6 in the...
by lazydavid
Tue May 22, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7182

Re: Is there a boglehead muscle car?

anoop wrote:
Tue May 22, 2018 4:11 am
https://www.caranddriver.com/honda/civic-type-r

Costs about 10K more than your budget but it will more economical than most in the long run and also likely to retain its value.
$20-25k more after the "market adjustment" that many dealers are charging.
by lazydavid
Fri May 18, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

it is shocking when one compares a Toyota vs say BMW as to what starts breaking at 7 year mark. Window regulators? I mean when you think about them, how often those are even used on a typical high end cars? They run in automatic climate control mode. Driving them with window open ends up with such ...
by lazydavid
Thu May 17, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4366

Re: New motorcycle rider

thomasbayarea wrote:
Thu May 17, 2018 3:39 pm
Turbo Busa for the win
Yes, a 240-650hp bike (depending on turbo, internals, and fuel) is the perfect first choice for a newbie. :oops:
by lazydavid
Thu May 17, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Are you sure Q5 is AWD on demand? I thought A3, Q3 are AWD on demand. A4 and beyond are torsen type AWD. Lexus do have better paint than regular Toyota. Yes. Straight from the source: Audi Q5 – quattro with ultra-technology With the exception of the 3.0 TDI, all Q5 versions have the completely newl...
by lazydavid
Thu May 17, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4366

Re: New motorcycle rider

Most of the important stuff has been covered, but to recap: MSF course, top-notch gear, ride less-busy roads at off-peak times, never EVER drink and ride, always assume every car driver is trying to kill you and react accordingly. My wife made me stop riding after my accident almost 15 years ago, wh...
by lazydavid
Thu May 17, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 10052

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Nope I'm not allowed to come anywhere close to any of the 401k limits. Thanks to the combination of better-than-expected bonuses last year and the switch to a discretionary PTO policy resulting in a payout of our accrued PTO time, my wife and I are both HCEs this year (based on 2017). They did insti...
by lazydavid
Thu May 17, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Can someone explain the maintenance plans that Audi offers? It seems you pay up front for maintenance, does this cover everything not covered under warranty such as basic oil changes, transmission fluid, tire rotation, etc. Prepaid maintenance is usually a bad deal, unless you can get a steep disco...
by lazydavid
Thu May 17, 2018 5:24 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7319

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Q5 Quattro, all-time all wheel drive. RX is more reliable> XC has a lot safety heritage. I like more sport feeling. So Q5 2.0T or 3.0T is my choice. The 2018+ Q5 has "Quattro Ultra" which is AWD on demand, not full-time AWD. In less dynamic driving situations, it remains FWD until additional tracti...
by lazydavid
Tue May 15, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7182

Re: Is there a boglehead muscle car?

Get the v4. When people give you a hard time point out it will crush all those 1960s v8s. The only production v4 engine I'm aware of over the past 30 years is in the Honda VFR800 Interceptor. Its 104hp does a great job motivating a 520lb motorcycle. Probably wouldn't do nearly so well in a 3500+ lb...
by lazydavid
Mon May 14, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8418

Re: Two- Factor Authentication at Vanguard

Since Mint and Quicken are both owned by Intuit , I suspect they use the same technology, so you may have to get and enter a new security code every time. This has not been the case for a little over two years. Mint is owned by Intuit, while Quicken is owned by Quicken, Inc., a wholly-owned subsidi...
by lazydavid
Mon May 14, 2018 5:06 am
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2042

Re: buying new laptops

$320 on woot today:

https://computers.woot.com/offers/dell- ... _dly_wobtn

I'd prefer a higher-res screen and larger SSD, but it's a pretty good value.
by lazydavid
Mon May 14, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5399

Re: New Car Suggestions: BMW Crapping Out

Blocking the EGR system will increase NOx emissions. True, by a very slight amount. But it will also improve fuel economy, eliminate carbon buildup in the intake and cylinders (which requires a $1300 cleaning every 50k miles thanks to EGR), and improve the efficiency of the particulate filter--NOx ...
by lazydavid
Sun May 13, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5399

Re: New Car Suggestions: BMW Crapping Out

Highlander or RX will be your best bet. Under the hood, their is nothing terribly different between the two unless you get the Lexus RX sport. The F-sport version of the RX has the same ancient 2GR-FE engine that has been in every RX since 2003. The F-sport package buys you a slightly stiffer suspe...
by lazydavid
Sun May 13, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5399

Re: New Car Suggestions: BMW Crapping Out

Advice needed: Just heard from the shop. Current repair is $1,800 to replace AGR cooler. I had an $1,800 repair last month as well (glow plugs). Would you pony up for the repair even though thats $3,600 in 2 months or go ahead and trade in and go to Toyota Highlander/Lexus RX. Its a 2012 BMW X5 35D...
by lazydavid
Fri May 11, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2042

Re: buying new laptops

Get a business-class machine. Dell Latitude, Lenovo Thinkpad, HP EliteBook, Microsoft Surface, etc. They're far better built and more reliable than consumer junkware, but do cost a bit more. If you're looking to save, buy one of these models a couple years old off-lease, just make sure it has at lea...
by lazydavid
Fri May 11, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5399

Re: New Car Suggestions: BMW Crapping Out

Trading a BMW for an Audi and expecting better outcome at 5 years? Some of you really think so? Considering Audi was Consumer Reports top-ranked brand last year, 2nd behind Genesis this year, and is the only full-line manufacturer for which EVERY SINGLE MODEL is recommended by CR? Yup. Given that y...
by lazydavid
Thu May 10, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Windows 7 Update Isn't(?) Updating...
Replies: 4
Views: 575

Re: Windows 7 Update Isn't(?) Updating...

Yep, power cycle and try again.
by lazydavid
Thu May 10, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2055

Re: Las Vegas shows

Absinthe (Caesar's) is probably my favorite, like many here. O (Bellagio) is great, but very pricey. We've been to Mystere (TI) twice, as my 10 year old absolutely loves it, and my wife and I have seen Zumanity (NYNY) twice, and she took her dad a third time. It was great both times I saw it, but sh...
by lazydavid
Thu May 10, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 1925

Re: Spark Plugs only vs Tune Up?

To me, a "tune up" nowadays would consist of replacing the plugs and wires, nothing else. I'm not an expert, but as others have suggested, what else is there to do on a modern vehicle? Don't even need to replace the wires in most cases. With coil-on-plug ignition, there is no longer high voltage th...
by lazydavid
Wed May 09, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4874

Re: Tires: Where to Get? Warranty? And Questions?

As I mentioned earlier, we had a tire replaced yesterday with a 67% discount due to an errant bolt through a tire with light use. On the way home I picked up a metal screw in a different tire and a nail in another. I'm taking the car back to the tire shop today to have both tires repaired for free....
by lazydavid
Mon May 07, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5252

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

munemaker wrote:
Mon May 07, 2018 5:53 am
It seems to me that Boglehead BMW and Porsche owners are in the minority. Too bad we don't have polls anymore. Then we would know for sure.
We have one BMW and one Lexus, so does that net us out to zero? :P
by lazydavid
Fri May 04, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2374

Re: SUV vs Full Size Car - Taurus or Escape

I understand your perspective Watty however; as cars wind down dealer service staff will too along with parts room inventories. The more important part being ability for dealers to furnish warranty support for no longer manufactured vehicles. Aftermarket shops and such will always be able to fix st...
by lazydavid
Fri May 04, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2374

Re: SUV vs Full Size Car - Taurus or Escape

I understand your perspective Watty however; as cars wind down dealer service staff will too along with parts room inventories. The more important part being ability for dealers to furnish warranty support for no longer manufactured vehicles. Aftermarket shops and such will always be able to fix st...
by lazydavid
Wed May 02, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5252

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

The current JGC has been pretty solid, except for the 2014 model year. It was plagued with tons of defects, the majority of which were corrected from the 2014.5 model onward. Interior on the upper trim levels positively shames vehicles like the Highlander and Pilot, and out-luxes the Lexus RX and Ac...
by lazydavid
Wed May 02, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Are bonus and equity pro-rated at lay off?
Replies: 16
Views: 1568

Re: Are bonus and equity pro-rated at lay off?

As others have said, check your specific policies, but most places I've seen have it based on the separation date. This is the date on which you fall off the books and cease being an "employee". Depending on the severance arrangement, this could be weeks or months after your final day worked. I've s...
by lazydavid
Wed May 02, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2569

Re: What Android browser do you use?

I use Pyrope because it has hardware acceleration on Snapdragon-powered phones. Have not found a faster mobile browser.
by lazydavid
Fri Apr 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10799

Re: Amazon to raise Prime membership in US to $119 from $99

Driving to the bank to wait in line to get a money order which you then carry over to another office to hand deliver is not what I would call a quality human interaction. I'd MUCH rather be putting that time into relationships with family and friends. Amazon gives me more time for quality human int...
by lazydavid
Fri Apr 27, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10799

Re: Amazon to raise Prime membership in US to $119 from $99

To me, that's a huge loss. I already spend the work day sitting on a chair in front of a computer not interacting with people. Being out and about is the best. To pay my electric bill, for example, I drive to the bank and get a money order, which I then drive over to the city office and hand-delive...
by lazydavid
Fri Apr 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5778

Re: Comfortable Commuter Cars under $50K

+1 An ES is not a Camry either. I read that over and over, but it just isn't true. If you are fine with a Camry, buy the Camry. The ES, LS, GS engineering, noise reduction, refinement are not the same as a Camry. You can say that to justify either based on how much you want to spend. It is though (...
by lazydavid
Fri Apr 27, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1720

Re: COMCAST - Modem / Router recommendation

I tend to replace my cable modem about every 6-8 years, which is typically a few years after they fall off the "supported" list. I always get the highest-end SurfBoard available at that time. So that meant a Motorola 5120 in 2005, a Motorola 6121 in 2011, and an Arris 8200 earlier this year. The 820...
by lazydavid
Wed Apr 25, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1407245

Re: U.S. stocks in freefall

I refinanced my mortgage to a 2.50% 15-year loan in November 2012, and I doubt I'll ever see a rate that low again. Refinanced to the same rate/term in July of 2016, so you could have seen it at least one more time... :P They're up to 4% now, so I agree with you that they're not coming back anytime...
by lazydavid
Fri Apr 20, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11443

Re: Quitting job - what to do if getting walked to the door

My former employer, Megacorp,did not pay out unused PTO. They said PTO was granted and not earned. Yet the grant appeared on paychecks in the same amounts as if you had earned them. Go figure. This is illegal in many states. For example, my company policy specifies that unused vacation will be paid...
by lazydavid
Fri Apr 20, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11443

Re: Quitting job - what to do if getting walked to the door

If this chance of being immediately walked out of the door is due to the person's joining a direct competitor, just wondering why its necessary to even disclose the next place of employment to current employer, something which I've never ever done myself. Unless there is some legal requirement not ...
by lazydavid
Tue Apr 17, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4548

Re: car at 80

Tell him to act his age. http://www.truecar.com/blog/2010/05/12/top-10-models-for-young-drivers/ Seriously, there are reasons why these cars are more popular with seniors, and googling seem to bring up the Lincoln Town Car as the quintessential favorite. The Lincoln Town car is a TERRIBLE choice. I...
by lazydavid
Tue Apr 17, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4548

Re: car at 80

Agree with Subaru, we're on our second after 350K miles on the first. One minor correction -- the BRZ is RWD (shocked me to hear it at the dealership), everything else is AWD. The BRZ is kind of a special case, in that it's a joint project with Toyota, who sells it as the FR-S/FT-86/GT86 depending ...
by lazydavid
Tue Apr 17, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8814

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Random Poster wrote:
Mon Apr 16, 2018 7:04 pm
Ummmm....where are you getting a $6M nest egg from the information provided?
By double-counting :oops: $3M + $2.2M + $725k.
by lazydavid
Mon Apr 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8814

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

I would have no qualms whatsoever about taking an inflation-adjusted $75k/yr from a $6M nest egg. Well one qualm....I could easily afford a much higher standard of living. In all seriousness, I would hold 3-5 years of expenses in "riskless" cash equivalents (CDs, short-term treasuries, iBonds, whate...
by lazydavid
Mon Apr 16, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5834

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I actually have a clause in my employment contract that prohibits my employer from requiring me to fly discount airlines, domestic or abroad. No way am I getting on an Allegiant, Spirit, et al flight. I don't have a clause, but I still flat out refuse. If a flight on a real airline is "out of polic...
by lazydavid
Mon Apr 16, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5834

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I recently had to make two trips out to our St. Petersburg office, which is practically on the grounds of the PIA airport. But as far as I can tell, the only way to get there is by flying Allegiant. So I took a real airline to Tampa and drove across the bay.