Search found 1804 matches

by lazydavid
Sat Oct 13, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4340

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Kind of funny that I get Experian email alerts for data breaches , such as the recent gooe or Facebook ones but never heard anything about their own breach..... They sent the notice, but their DLP (Data Loss Prevention) tools dropped it on the way out to prevent divulging company-sensitive informat...
by lazydavid
Sat Oct 13, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4340

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Bad people use this data not just for opening lines of credit, but a litany of nefarious purposes. Case in point: not too long ago, on Sunday morning, I got a call from my credit card company reporting suspicious activity. Numerous fraudulent charges were made between me going to bed and getting th...
by lazydavid
Sat Oct 13, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1836

Re: Considering new Honda Pilot, other suggestions?

gamboolman wrote:
Fri Oct 12, 2018 10:28 pm
Have you considered the Accura MDX ?
I agree this is a good choice in general (except for the fact that it only comes with the abysmal 9-speed automatic), but the OP just said they don't care about luxury cars. So in that light the MDX is essentially just a smaller, more expensive Pilot.
by lazydavid
Sat Oct 13, 2018 4:25 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3304

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

To reduce the cost and hassle of mounting snow tires, Bridgestonetire.com recommended purchasing wheels with the same diameter and bolt pattern and switching wheels instead of mounting/unmounting. Quick and relatively inexpensive they say. Anyone doing it? This is the best way, but diameter is imma...
by lazydavid
Fri Oct 12, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico all over again
Replies: 6
Views: 1258

Re: Puerto Rico all over again

Likely a newer home built to newer codes, i.e. roofs are now "strapped" to walls and more robust anchoring techniques are used between walls and foundation. I think it's a combination of this and a little dumb luck. If a house is pretty well built, and somehow manages to avoid being punctured by fl...
by lazydavid
Fri Oct 12, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11268

Re: 1.5 liter wine

If you're a member of Costco, I'm enjoying a Kirkland Cabernet for under $10. This is my go-to. I have plenty of fancier, more expensive wines laying down or in the wine fridge. But if I just feel like having red wine with a casual dinner, the Kirkland Cab comes out. Can't beat it for effectively $...
by lazydavid
Fri Oct 12, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 68
Views: 5243

Re: Black Friday is coming.. what's on your list?

A Wolf gas cooking range. Saving money by cooking healthy food at home. Unfortunately Subzero/Wolf are price-controlled, so you won't be seeing a BF deal. The salesman we have bought all our appliances and electronics from for the past 15 years gives us great discounts on almost everything....but n...
by lazydavid
Fri Oct 12, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 16
Views: 576

Re: your favorite ereader?

Best ever was a jailbroken Nook Glow running the Kindle app. Best of both worlds - superior nook hardware with superior Kindle experience. Nook Glow was better because it had physical buttons (in addition to screen touch) to turn pages. Very handy on the beach when the (touch-only) Kindle Paperwhit...
by lazydavid
Fri Oct 12, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4568

Re: Keep a backup hot water heater?

See above. We have two right next to each other, and both feed the entire house. It's just extra capacity. Then either there is a way to bypass either heater or not. If not, then make a way. Again, read above :sharebeer when we had our plumber install the new one, he re-piped everything so they wer...
by lazydavid
Fri Oct 12, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4568

Re: Keep a backup hot water heater?

Also "hot water heater" is a redundant misnomer. Why would you have a device to heat water that's already hot? It's really a cold water heater but why even specify? Just call it a "water heater". We actually used to have a "hot water heater". When we bought our house, it had two water heaters, pipe...
by lazydavid
Fri Oct 12, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 22
Views: 1500

Re: Car Gurus ... Air Filter Recommendations

OE filters are $17, just use them.
by lazydavid
Thu Oct 11, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1713

Re: Buying a pre-owned Lexus IS-250

why would someone buy a used car with 60k miles. Are you that desperate to drive a Lexus. Maybe not your time for this expensive are. Try a new car for that price. Remember, its not only the purchase of the car, but what it may cost in repairs. The Lexus is not cheap. Even though I think the IS250 ...
by lazydavid
Thu Oct 11, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3350

Re: Grind and Brew Coffee Makers - worth it?

Why wait? 4 kids <= 5 :happy What roaster are you using? Well that's your own damn fault. :D I'm using the GeneCafe. Takes about 30 minutes to do a half pound batch, and has no issues (despite not being recommended by the mfr) doing back-to-back-to-back roasts for hours on end, with very consistent...
by lazydavid
Thu Oct 11, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 35
Views: 1807

Re: tablet or small laptop for general and travel computer?

The Surface Go is possible. It's not that cheap. $699 and keyboard is an option. I'd have to see if I'd be happy with a 10" screen. Where are you getting this info? Surface Go is $399 or $549, depending on the config you want. Even the higher end model equipped with the fancier Alcantara keyboard d...
by lazydavid
Thu Oct 11, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3350

Re: Grind and Brew Coffee Makers - worth it?

When I retire (in 25 years) I hope to buy a roaster and roast my own beans. Why wait? It's fun (at least I think so), and you get a better (fresher) product for dramatically less money. I'm running $5-7/lb for as good or better quality coffee than I used to pay $18-22/lb for. My roaster more than p...
by lazydavid
Thu Oct 11, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1713

Re: Buying a pre-owned Lexus IS-250

Avoid the IS-250. Woefully underpowered, not that great of fuel economy to compensate, and the only US Toyota/Lexus vehicle that has carbon build up (CBU) issues. Find an IS-350 instead.
by lazydavid
Thu Oct 11, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3221

Re: Best headphones under 500 bucks

- QC 25's utilize (1) AAA where as QC 35's need to be plugged in via mini-usb (can become an inconvenience traveling) As an owner of both, I fail to see how this is an advantage, unless you regularly fly all the way around the world. Battery life on the QC35 is WELL in excess of the rated 20 hours....
by lazydavid
Wed Oct 10, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3304

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Many folks who live in apartments or urban areas do not have the space to store four snow tires 9 months a year, not to mention the hassle to swap them twice. This is why many tire shops will store your off-season tires for you. Some will even do it for free, as long as you pay them for the seasona...
by lazydavid
Tue Oct 09, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3221

Re: Best headphones under 500 bucks

I paid $9.99 for mine on Amazon iirc. Just went with the "Amazon recommends" option or whatever it's called. And this is helpful and relevant to the question how? OP, is your budget $500 for headphones and amplifier, or $500 for just the phones? Most of the higher-end headphones will require an ext...
by lazydavid
Thu Oct 04, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Still working after age 65, have employer furnished BC/BS Must I sign up for Medicare?
Replies: 7
Views: 733

Re: Still working after age 65, have employer furnished BC/BS Must I sign up for Medicare?

I would talk to your corporate HR/Benefits department first. If you don't get a satisfactory answer, then call BC/BS directly. Do not call Medicare, as they will not know anything about your current plan. I suspect you will have to sign up for Parts A&B. When my FIL retired after 35 years with the s...
by lazydavid
Thu Oct 04, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Preferred Lender Sham
Replies: 4
Views: 590

Re: Builder's Preferred Lender Sham

I don't see why this would be any different than auto loans. Audi just gave me $1,100 to take a loan from AFS when we bought our car just over a month ago. That's WAY more than 1% of the purchase price. I assume the "preferred lender" thing is exactly the same. The builder likely gets a kickback, an...
by lazydavid
Thu Oct 04, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: The Big Hack
Replies: 3
Views: 670

Re: The Big Hack

rkhusky wrote:
Thu Oct 04, 2018 8:24 am
Does 2-factor counter these types of attacks?
No. If an endpoint is compromised, it's game over. Layer as much security as you want on top and it's still ultimately meaningless.
by lazydavid
Thu Oct 04, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: How to play cards ("Crazy 8's") remotely?
Replies: 3
Views: 381

Re: How to play cards ("Crazy 8's") remotely?

Can't speak to Crazy 8s, but Uno is available for pretty much every platform.
by lazydavid
Wed Oct 03, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3875

Re: Tipping

dm200 wrote:
Wed Oct 03, 2018 3:05 pm
What is the "period" for the requirement? is it one shift OR the average per week or payday?
It is for the payroll period, whatever that is. Some restaurants will pay out at the end of each shift, but weekly or biweekly is most common.
by lazydavid
Wed Oct 03, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3875

Re: Tipping

Sure some can do well with tipping in certain jobs, but many do not do well at all. Many times people do far worse than minimum wage when they rely on tips. I remember when my wife was a waitress briefly after college how some nights she would come home crying because of how people would treat her ...
by lazydavid
Wed Oct 03, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1536

Re: Shows in Las Vegas for 6 and 8 year old

AdmiralSnackbar wrote:
Wed Oct 03, 2018 7:43 am
DO NOT take them to Zumanity, as this is very adult-themed.
Since you have to be 18 to get in, there's zero probability that anyone is taking their 6- or 8-year old. Kids aside, it is a great show--my wife and I have seen it twice, and she took her dad a third time--but is indeed quite adult.
by lazydavid
Tue Oct 02, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1536

Re: Shows in Las Vegas for 6 and 8 year old

Try Circe du Soleil's Mystere at Treasure Island. I second Mystere. My son loved it so much when he was 8, that we went back when he was 10. Both times he laughed so hard at the interlude segments that I thought I was going to have to call an ambulance. :mrgreen: We'll be in Vegas again next year, ...
by lazydavid
Sat Sep 29, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2045

Re: New Laptop setup questions

Password Protection of Files: I keep a few word processor and spreadsheet files password protected, and LibreOffice seems to support this. Curious as to what others do regarding password protection of sensitive files: I heard years ago that MS Office password protection was pretty weak protection a...
by lazydavid
Sat Sep 29, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 30
Views: 2168

Re: Amex premium car rental insurance not kicking in

I've not heard of UNOC before. Since this is a rider to your existing auto insurance wouldn't you be hesitant to file a claim for anything less than say $1K for fear they'll increase your premium? That's an advantage of the Amex as it's primary insurance not connected to your auto policy, so if you...
by lazydavid
Sat Sep 29, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2045

Re: New Laptop setup questions

1) Firefox or Chrome 2) No question: uBlock Origin 3) You don't have to use Hello if you don't want to. 4) Office365 subscription is a great value, and will continue to have dramatically more features than the perpetual licensed version as time goes on. Perpetual also went up by $100 last week with ...
by lazydavid
Sat Sep 29, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 30
Views: 2168

Re: Amex premium car rental insurance not kicking in

For the $20 or $25 (depending on what you choose), it seems like a real bargain - ? If you rent at least twice a year and have full coverage on your primary car, it likely isn't. I added a UNOC (Unlimited Non-Owned Car) rider to my existing policy, which I think costs me about $25-30 every six mont...
by lazydavid
Thu Sep 27, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4196

Re: Ventilated car seats?

H-Town wrote:
Thu Sep 27, 2018 11:38 am
Bahwahaha.. Just remove layers. It's most effective and at no cost.
So what do you do when you’re down to the minimal amount of clothing that will allow you to avoid prison, and are still sweating like a fiend?
by lazydavid
Thu Sep 27, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2339

Re: 2018 Ford Edge

You know what? I think you're right. I guess the model lineup for Ford now seems to be SUV, SUV 3/4 inch smaller, SUV 1 inch smaller for 10 models. You're right....Explorer. That’s only going to get more prevalent now that Ford is discontinuing ALL of their cars except the Mustang. The upcoming Foc...
by lazydavid
Thu Sep 27, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Reminder on Keeping an Emergency Fund
Replies: 27
Views: 2883

Re: Reminder on Keeping an Emergency Fund

Could you give an example of what you mean by "over-weighting the fund"? Thanks I’m guessing they meant that if your monthly expenses are $5k, and you want months 2-6 of your emergency fund invested in TSM, you should have $50k. That would account for a 6-month job loss that occurs at the same time...
by lazydavid
Thu Sep 27, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2339

Re: 2018 Ford Edge

Jack FFR1846 wrote:
Thu Sep 27, 2018 8:30 am
9 bazillion police cars are Ford Edge. I'd think that says something for it.
I’ve never seen an Edge police cruiser in my life. I saw more than a dozen Explorers on my drive this morning.
by lazydavid
Wed Sep 26, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2339

Re: 2018 Ford Edge

I haven't driven one in quite a few years, but I recall it being pretty roomy and comfortable. I'm 6'4" also, and had no issues fitting in either front seat. If I were shopping for a small-side-of-midsize suv from a mainstream brand, the Edge would probably my pick, with the Toyota RAV4 in the runne...
by lazydavid
Wed Sep 26, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15635

Re: iPhone XS Max

Gotcha. All the more reason for me to stick with iPhone. Who knows how crappy my free Pandora would sound coming from an Android?! :wink: Quite a bit better, in many cases, seeing as most Android handsets have supported the much higher-quality AptX standard for a few years now, and Apple refuses to.
by lazydavid
Wed Sep 26, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5888

Re: Oil change interval for low-mileage vehicles

neilpilot wrote:
Wed Sep 26, 2018 3:18 pm
I'm impressed that the oil looks pristine at 9000 miles. How do you know what it looks at 9k, which presumably takes you 9 years, if you change it yearly?
Pretty sure they meant that the oil coming out at the 9th change on a 1,000 mile interval looks nearly new.
by lazydavid
Wed Sep 26, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: $19 a a month, .63 a day
Replies: 11
Views: 1466

Re: $19 a a month, .63 a day

What's magical? It's less than $20. I know it sounds like I'm being a smartass, but I'm really not. There's a tremendous psychological threshold between $10 increments, and I suspect the $20 margin is even more significant. $19 is less than the most common denomination of bill that someone would "br...
by lazydavid
Tue Sep 25, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2405

Re: Car predicament

I'd repair it also. A working engine for the Forte appears to cost anywhere between $1000 and $1700, depending on condition and mileage: https://www.ebay.com/b/Complete-Engines-for-Kia-Forte/33615/bn_1418289 I would think a local mechanic would be able to swap it for less than a grand. Even going on...
by lazydavid
Tue Sep 25, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5888

Re: Oil change interval for low-mileage vehicles

Please correct me if I'm wrong but those oil life monitors are only suggestions in my book. They don't know what type of oil or filter you are using. Those numbers are based on mileage, trip length, temperature, etc. But they don't know whether I am putting conventional or synthetic oil in. You are...
by lazydavid
Tue Sep 25, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3358

Re: $450 for 1.5 hour plumbing job normal?

OldLearner wrote:
Tue Sep 25, 2018 12:31 am
Depends on the size of the elbow/pipe. A 4" copper elbow runs about $200.
And is 4" home water piping typical in your area? Because it sure isn't in mine. Hell, the pipes in my office are 2".
by lazydavid
Tue Sep 25, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5888

Re: Oil change interval for low-mileage vehicles

I would do it every six months with conventional, per the manual, or push it to annually with a good-quality synthetic. My father in law has a 2011 Nissan that he bought new that currently has 23k miles. I change his oil with a full synthetic every March.
by lazydavid
Mon Sep 24, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8688

Re: Physical Banking - Any benefits anymore?

I've been writing personal checks for new cars since 1986 without even a hint of hesitation by a dealer. Twenty months ago I wrote a check for a new 4Runner Trail Premium and another check three days later for a new Avalon Touring for my girlfriend-now fiancee. I think the dealers have a direct lin...
by lazydavid
Mon Sep 24, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4196

Re: Ventilated car seats?

Our new Q7 has them and I love them. Ours are the "sucking" variety, and they are quite effective. I've used the "forced cool air" variety, and they're not dramatically more effective IMO. Cooled seats in the GM vehicles I've driven are basically unusable if you have someone in the back seat. That's...
by lazydavid
Sun Sep 23, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8688

Re: Physical Banking - Any benefits anymore?

They're useful for getting a cashier's check when I want to buy a new car. I don't even seem to need that anymore. Last month we bought a car, and the dealer accepted a $35k personal check, even though we told them point blank that the money wouldn't be there for a week (had to sell from my taxable...
by lazydavid
Fri Sep 21, 2018 4:20 am
Forum: Personal Consumer Issues
Topic: Stereo receiver amp without aux plug or bluetooth ?
Replies: 23
Views: 1660

Re: Stereo receiver amp without aux plug or bluetooth ?

Follow up: Chromecast did not work. Chromecast requires a Wifi network. Actually, the app that is required to be installed on the phone called the "setup" procedure requires a Wifi network. And IF your phone is your Wifi network, such as it is used as a hotspot, and the "setup" app wants to use the...
by lazydavid
Thu Sep 20, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Is there any info on old sim cards?
Replies: 8
Views: 796

Re: Is there any info on old sim cards?

There are not photos. The maximum capacity of a SIM card per the spec is 256kB. In practice, I've never seen one that's larger than 64kB, and ones as old as you have might be as small as 8kB.
by lazydavid
Thu Sep 20, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Is there any info on old sim cards?
Replies: 8
Views: 796

Re: Is there any info on old sim cards?

I would (and have) just thrown them away. But if you're worried at all, go ahead and destroy them.
by lazydavid
Wed Sep 19, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1627

Re: Overnight near Atlanta?

Doesn't sound like you'll have time to do anything in the city, so I wouldn't bother staying there. Sunday morning traffic should be fairly light (unless you run into construction) so I'd probably stop in Marietta. It has a nice little square with good restaurants and is right off 75. FYI, the driv...