Search found 1626 matches

by lazydavid
Mon Jul 16, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 47
Views: 1682

Re: Why own a bed?

This. Buy good mattresses and good shoes. You spent a lot of time on/in both. Agreed. Someone once gave me the very solid advice to never cheap out on anything that goes between you and the ground. And sure enough, I've found that money is well spent on quality shoes, beds, chairs, tires, etc. 1.) ...
by lazydavid
Mon Jul 16, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 47
Views: 1682

Re: Why own a bed?

The trend around me is heavy duty boxsprings and extra thick mattresses. We got rid of the box springs on my kids beds and replaced them with 2x4s cut to the exact needed length at the local Home Depot (cut for free). The 2x4s rest on the edges of the frame. (That's why the cut has to be near-perfe...
by lazydavid
Mon Jul 16, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 61
Views: 2754

Re: Are Credit Cards Actually Convenient?

You likely have a bad/twitchy issuer. We go to Las Vegas on vacation most years, and before last year's trip, most of the resorts started charging for parking, unless you had status. Then MGM launched a branded Mastercard issued by First Bankcard (First National Bank of Omaha) that granted "Pearl" s...
by lazydavid
Mon Jul 16, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 31
Views: 3340

Re: Which minivan?

By the way, as a dad, you'll like this - death rate for Odyssey? Zero. Incorrect, on two counts: A) IIHS statistics only catalog driver death rates. As a dad, presumably he cares about passenger deaths also, which are not tracked in the same way. B) The Odyssey was indeed one of nine vehicles that ...
by lazydavid
Thu Jul 12, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 55
Views: 4621

Re: Is expensive olive oil worth it?

Our go-to for general cooking is either Costco or Sam's club house-brand EVOO. Good quality for the price. For dishes where the olive oil's taste is prominent, we have a few better ones. The Trader Joe's Tunisian in a greenish-blue can has an outstanding flavor and is very reasonably priced. We have...
by lazydavid
Thu Jul 12, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2034

Re: Tool cabinets?

Just go to Sears or Lowe's and get a Craftsman model. Most of them are still made in the US and priced competitively. No need to over complicate this. Nothing could be further from the truth. Read the reviews in the post above yours. Here's the Craftsman summary: All the floor models are overpriced...
by lazydavid
Wed Jul 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Surge protector for new refrigerator?
Replies: 10
Views: 689

Re: Surge protector for new refrigerator?

My current house has power problems all the time. You think living in a very desirable, high income (well by averages in the US, not by this board) area, power would be more reliable Yup, I work in one of the more affluent suburbs of Chicago and the power there is awful. Wound up spending over a qu...
by lazydavid
Tue Jul 10, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3557

Re: Auto Tariffs: time to buy?

I see what you did there. I've not spent the time to fully educate myself on this, but I did hear something about foreign car prices could increase 25%!? I'm not sure if the source was exaggerating or if that is accurate, but that would spur me to also think about buying now before prices rise. I'm...
by lazydavid
Tue Jul 10, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12652

Re: What are your property taxes?

Illinois is truly an outlier on property taxes. We have a friend that lives in Glencoe (North suburb of Chicago) in a beautiful home on the lakeshore. Taxes were $144,000/year a couple of years ago. Outrageous. This home, based on Cook Co tax rates, is likely assessed just over $7M. Maybe outrageou...
by lazydavid
Tue Jul 10, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 15555

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Read somewhere that Honda and Saturn were collaborating to make a new vehicle. They were going to combine the Honda Accord and the Saturn Ion to make a car called the Accordion . They thought it might appeal to the somewhat elderly polka crowd. _ This might have been funny a decade ago before Satur...
by lazydavid
Tue Jul 10, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12652

Re: What are your property taxes?

Our home in IL is valued at $470,000 (which is $50,000 more than the realtor valued it) and we pay $12,000 including a $6,000 exemption. We have been here a little less than 10 years and the taxes have increased over $4,0000 and the value dropped by $50,000. Our IN house is about $2,300 for a $250,...
by lazydavid
Mon Jul 09, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

That makes no sense whatsoever. If the reason you have to use the battery jumper is because you've had cell reversal, then by definition that problem will happen to you. I am driving a car with 390k miles, I know what I am doing and do not replace stuffs randomly without checking. But, thanks for y...
by lazydavid
Sun Jul 08, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 17
Views: 1742

Re: Subaru Ascent owners out there?

The Outback has a V6 option (3.6R Limited and 3.6R Touring) As others have mentioned, all Subaru engines are horizontally opposed, which they and BMW call "boxer" and Porsche calls "flat". The 3.6R you reference has an H6. Still 6 cylinders, but a very different layout. V6s usually have the banks o...
by lazydavid
Sun Jul 08, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 17
Views: 1742

Re: Subaru Ascent owners out there?

capitalG wrote:
Sat Jul 07, 2018 6:40 pm
Also unfortunate is they only offer the single 2.4T H4 engine and no other options - could see a loaded car straining without a V6.
Small correction...Subaru has never in its history sold a car with a V6.
by lazydavid
Sat Jul 07, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

A home user can't. A shop once informed me that is what happened, I'm not sure how they tested it. The best you can do is to test the battery as a whole and then do some math. For example, if after charging a battery reads 10.3V, that's a little low to just be a dead cell. a 5-cell battery should re...
by lazydavid
Sat Jul 07, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

Help me to understand what you mean by "cell reversal". I fully understand how internal damage can short one or more of the 6 cells in the typical 12v auto battery, but have no idea what you mean by "cell reversal". Can you possibly link to a reference that actually describes such an incident? Brie...
by lazydavid
Sat Jul 07, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

I only replace car battery when it is dead. But I always have battery jumper, which is the insurance, in my car. If you ever have the battery discharge completely and a couple of the cells reverse polarity, this won't help you. You'll be able to start the car, and it will die the second you unclip ...
by lazydavid
Sat Jul 07, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

As a European, one thing that strikes me about Americans is their obsession with very frequent oil changes and religiously changing car batteries every 3-5 years. Simple explanations for both. Oil changes: European cars in general have deeper sumps than American cars do, so the oil doesn't wear as ...
by lazydavid
Sat Jul 07, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4533

Re: bike helmets

MIPS technology hopefully helps more than it hurts, so given the option.... As motorcyclists say, "$50 helmet, $50 brain." :twisted: As a former motorcyclist, I agree with the sentiment, but not the way it was stated. I'm sure prices have changed, but when I last bought a motorcycle helmet, spendin...
by lazydavid
Sat Jul 07, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

Most auto parts stores test those for free. I would test it at regular intervals after a certain number of years. Probably in spring and fall before the extreme seasons. (In my part of the country). Definitely don't do nothing until it dies, best case you waste part of a weekend or have to use part...
by lazydavid
Sat Jul 07, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

Yes....it sounds like maybe the shop that cynmarq used pulled a fast one. It's usually not the generator (motor) part of the alternator that fails when you have a weak battery. It's the Voltage regulator. On a few cars, this is a module that "plugs into" or attaches to the cap of the alternator, an...
by lazydavid
Sat Jul 07, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19180

Re: Replace car battery after X years or wait till it dies?

I only replace car battery when it is dead. But I always have battery jumper, which is the insurance, in my car. If you ever have the battery discharge completely and a couple of the cells reverse polarity, this won't help you. You'll be able to start the car, and it will die the second you unclip ...
by lazydavid
Sat Jul 07, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2371

Re: Surface Pro(2017) vs 10.5" iPad Pro

I'm now thinking whether I should just take my wife's laptop and buy her something nice like a refurbished 27" iMac to replace it. That would be about $600 more expensive than the Surface Pro idea. I thought you said you/your wife wanted a device that could be drawn on? To do that with an iMac (or ...
by lazydavid
Fri Jul 06, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2884

Re: Coffee Grinder recommendations

With the above chart, I like my coffee with 'Heavy' body. I mostly prefer dark roast. Recently I've been buying Starbuck's French Roast from Costco when they go on sale. Then you have competing priorities. All other things equal, a lighter roast will have more body than a darker roast. Also note th...
by lazydavid
Fri Jul 06, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5306

Re: Rodents ate my car!

The class action lawsuit was dismissed: https://www.autoblog.com/2018/07/05/toyota-wiring-rats-lawsuit-dismissed/ I get why they might want to use soy-based looms and hoses. But there are all sorts of foul-tasting deterrents that can be applied to stuff to make them unappetizing. If you have a Ninte...
by lazydavid
Fri Jul 06, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Swimming Pool (in-ground) Restoration Advice?
Replies: 8
Views: 1408

Re: Swimming Pool (in-ground) Restoration Advice?

You might find more replies at troublefreepool.com This is my go-to place for all pool related questions!! I second this. There's probably someone in your area that can recommend a reliable contractor. More importantly, they can teach you the cheap and easy way to care for your pool to avoid this h...
by lazydavid
Thu Jul 05, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4027

Re: Is there a current car without a console between the front seats?

All these things can be gotten around, it is just a pain in the neck doing this a gazillion times over the decades I would own the car. It's like every time I want to open the back door now, I have to unlock the front door, push unlock and then open the back door. Every time I do that I wish the ba...
by lazydavid
Thu Jul 05, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12652

Re: What are your property taxes?

The county's valuation of my home (which is on a bit less than 1/4 acre) is $380k. Redfin says I could sell it for $483k. My property taxes (just got the bill Tuesday) are $10.2k, which does include standard garbage pickup.
by lazydavid
Thu Jul 05, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4027

Re: Is there a current car without a console between the front seats?

Some vans, of the mini- and full-size variety, have an open floor between the front seats. You may have to get a very low trim level (think: contractor van) to be so equipped, but they should be available that way. That would also get you a sliding door to make it very easy to load through the side....
by lazydavid
Thu Jul 05, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6493

Re: Walking Coast-to-Coast

When I saw the thread title, I assumed this would be a flight of fancy, and you'd be talked down by the relentlessly logical bogleheads. Imagine my surprise when I clicked in and saw that you were already done. :mrgreen: Very impressive sir!
by lazydavid
Wed Jul 04, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2371

Re: Surface Pro(2017) vs 10.5" iPad Pro

I have the 10.5" iPad Pro and two Surface Pro 4s (the 2016 model), and love both for different reasons. The iPad is better for consuming content and doing quick-hit type stuff. For example, if I need to work while at my son's Lacrosse practice, it's more practical than bringing a computer, largely b...
by lazydavid
Wed Jul 04, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 6930

Re: Cheapest way to buy a phone in 2018?

The deterrent is people get phones they can't afford to pay out right, and they are stuck with the carrier because they have the payment plan. Lots of people finance things they can't afford, including phones. Sad but true. Fair enough. I was taking like for like since you just said "if they bought...
by lazydavid
Tue Jul 03, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 6930

Re: Cheapest way to buy a phone in 2018?

My guess is that they have the incentive of somewhat locking you into their service with the payment plan. If you bought it outright you could change at any time, with the payment plan you have to pay off the phone in full before you can change service. More money for them. Since every carrier will...
by lazydavid
Tue Jul 03, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 6930

Re: Cheapest way to buy a phone in 2018?

I've never heard of "updates for life" - seems like the window for operating system updates and support gets shorter and shorter. That sounds wonderful. Does any Moto X4 phone offer this- or is that a Project Fi specific offer and not related to the phones? Are there other affordable, good quality ...
by lazydavid
Mon Jul 02, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5377

Re: Why visa

Credit cards are a good tool if paying balance in full,but what happens if - 1. Person has money in bank to pay in full but could not pay on time due to health/other issues. 2. Person has money in bank to pay in full but dies and heirs dont know about the cc debt and it compounds. You'd really advo...
by lazydavid
Mon Jul 02, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2283

Re: cooling upstairs floor without central AC

Have you considered a ductless (mini-split) AC? Here is a link to the pros and cons: https://www.hgtv.com/remodel/mechanical-systems/is-ductless-heating-and-cooling-right-for-you This is exactly what I was going to suggest. It's perfect for the situation where you want to cool a room or two, withou...
by lazydavid
Mon Jul 02, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4533

Re: bike helmets

Note: I'm ignoring motorcycle injuries in these comparisons, as those are off the charts. Motorcyclists should definitely wear helmets. I'd amend this to say Motorcyclists should definitely wear full protective gear, including helmets, gloves, boots, and skid resistant clothing or a riding suit/lea...
by lazydavid
Mon Jul 02, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2182

Re: Rented car, got rear ended - hit and run

Please keep us posted as this saga progresses. I have heard of rental car coverage through a credit card, but no tales of how well it works in real life. You're doing us a public service by posting your experience. Citibank refused me all coverage for an incident in 2012 because the original MSRP o...
by lazydavid
Wed Jun 27, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3336

Re: What is your debt interest rate threshold?

For me anything over 5 I would pay aggressively, anything under 3 I would definitely not worry about and in the middle it depends on a host of factors. Those are admittidly arbitrary numbers. I'm somewhere in this ballpark. We used to make extra payments on our 4.85% mortgage, but not to the point ...
by lazydavid
Wed Jun 27, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3302

Re: 3 nights in Vegas

So between Mystere, Ka, Love, Blue Man which one has more acrobatic stunt ( I guess love is not)? If show is in a hotel where I stay is there some discount? Any suggestions on Adult show as well ? :? Ka is one of the more acrobatic shows I've seen. I didn't particularly care for the show itself (fe...
by lazydavid
Tue Jun 26, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Betterment fined
Replies: 12
Views: 2500

Re: Betterment fined

Which betterment? There are two companies here. The one most of us think about isn't 15 years old. Granted they are related. If you really want to get pedantic, there are actually three companies. Betterment LLC runs the website, and Betterment Securities does the investing. See the disclosure at t...
by lazydavid
Tue Jun 26, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 4774

Re: Computer Security

Anti-Virus software cannot catch what it doesn’t know exists. Of course it can. It's not 1990 anymore. Heuristics have been available for a LONG time, good AV engines know the hallmarks likely to be found in malicious software. And application behavioral analysis has been in place for several years...
by lazydavid
Tue Jun 26, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3587

Re: Front load washer gross moldy gasket

We have had good results using powder soap instead of the liquid HE stuff. This. When we bought our W/D several years ago, our salesman--who we've bought appliances/electronics from exclusively for 15 years--told us not to use liquid detergent, and that if we intended to do so anyway, he was going ...
by lazydavid
Tue Jun 26, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Betterment fined
Replies: 12
Views: 2500

Re: Betterment fined

The action goes back to 2014, when they were still starting up. They have put proper compliance in place since then, but they were still found guilty of the sloppy practices in the beginning. The ruling says they became a member of FINRA on October 21, 1999. I don't know that I'd therefore categori...
by lazydavid
Mon Jun 25, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1649

Re: Recommendations for ice machine

We have the same problem and went the countertop route, not wanting to commit the space and money for a commercial one. It looks like all the low-end ones are made by a single manufacturer, and re-branded/re-styled to be sold under multiple brands. Ours is an Igloo-branded version of this model , wh...
by lazydavid
Mon Jun 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Lincoln Aviator
Replies: 5
Views: 596

Re: Lincoln Aviator

I believe the Explorer has always been based on the Ford Ranger (compact pickup truck). Not sure if that's changing. It changed almost two decades ago. The last Explorer that carried a truck frame was the 2010MY, and the last time it was on the Ranger platform was the 2001MY. The current model, int...
by lazydavid
Mon Jun 25, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Betterment fined
Replies: 12
Views: 2500

Re: Betterment fined

The action goes back to 2014, when they were still starting up. They have put proper compliance in place since then, but they were still found guilty of the sloppy practices in the beginning. The ruling says they became a member of FINRA on October 21, 1999. I don't know that I'd therefore categori...
by lazydavid
Mon Jun 25, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5078

Re: car for long-distance driving

I am about to take an 800 mile road trip in my BMW 535i and am looking forward to it. 30 mpg too. Funny, I just got back yesterday from an 830-mile roundtrip in my BMW 335d, and other than very much wishing I had adaptive cruise control, it was a fantastic drive. Got 506 miles on one tank, which in...
by lazydavid
Mon Jun 25, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5078

Re: car for long-distance driving

Be careful with this advice - most credit cards provide collision coverage for the rental vehicle (i.e. with the right credit card you don't need to buy CDW from the rental company) - you still need a form of liability coverage. If you own a vehicle that has liability coverage that coverage transfe...
by lazydavid
Sat Jun 23, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3302

Re: 3 nights in Vegas

OnTrack2020 wrote:
Thu Jun 21, 2018 2:46 pm
Pirate show at Treasure Island.
...closed over five years ago.

Like another poster asked, what kinds of things do you like to do? We go there for 2.5 weeks pretty much every year, so have done quite a bit, but it really depends on your tastes.