Search found 1488 matches

by lazydavid
Wed Apr 25, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378718

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: 10898

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: 10898

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: 4210

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: 4210

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: 8092

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: 8092

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: 5655

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: 5655

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.
by lazydavid
Mon Apr 16, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2069

Re: Decisions on a Two Car Strategy

Consider alternative fuel vehicles before eliminating them. I just got an advertisement for the Toyota Mirai 300 mile range Hydrogen with 3 free years of fuel. The Mirai is only available in certain parts of California, because all 200 of the public Hydrogen pumps are in southwestern CA (mostly in ...
by lazydavid
Mon Apr 16, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Cruises: How to Value Onboard Credit
Replies: 29
Views: 1559

Re: Cruises: How to Value Onboard Credit

You have a $209 upfront better price between B and C. So the real problem here is reduced to a $41 consideration for onboard credits. If you take the deal with $245 credit you will be roaming the ship looking at how to apply that to your best advantage. A sort of manufactured spending. So, $41. The...
by lazydavid
Mon Apr 16, 2018 4:43 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Irony of ironies, I woke up this morning to find Comcast's DNS down. So now I AM using 1.1.1.1. :P
by lazydavid
Sun Apr 15, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 17
Views: 49579

Re: Best Couch for Big and Tall Person

I'm also astonished as to how much furniture depreciates and the mark-up on furniture. Besides Costco, are there any stores that don't have much markup on couches? I've been looking on Craigslist for the past month, but haven't seen anything. Our last few furniture purchases--including a reclining ...
by lazydavid
Sun Apr 15, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Cruises: How to Value Onboard Credit
Replies: 29
Views: 1559

Re: Cruises: How to Value Onboard Credit

Clearly option A's a loser, because option C is the same upfront price with 5x the OBC. So it's just a matter of figuring out if there is $245 or more worth of things not included in the stateroom fee that you would purchase. For the cruise we're going on this year, we've already spent well more tha...
by lazydavid
Sun Apr 15, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Your explanation does not make sense because if I receive forged DNS data as a result of a DNS query, the DNSSEC resolver on my client machine will be able to detect that. And precisely this is the job of the DNSSEC resolver on my client machine. Note that Comcast provides my DNS but Comcast does n...
by lazydavid
Sun Apr 15, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3917

Re: Is it necessary to replace brake fluid on a car every 3 years?

Hyperborea wrote:
Sun Apr 15, 2018 4:26 pm
ATE Super Blue is not legal to sell in the US because ... it's blue. It was banned about 5 years ago. I gave my last two unopened cans to a neighbour who races as I pack up for moving.
Can't resolve the link, but that does ring a bell. ATE 500 it is going forward. Regulators are stupid.
by lazydavid
Sun Apr 15, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2941

Re: Las Vegas hotel

When we go (every year) it's for 2+ weeks, so we stay at a condo just off the strip, at Harmon (runs through City Center) and Koval (runs behind MGM, Flamingo, etc). If I were just staying two nights and wanted the Vegas experience, I'd probably look at Bellagio, Caesar's, Venitian/Pallazo or Mirage...
by lazydavid
Sun Apr 15, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: 52 oz, the new orange juice size?
Replies: 21
Views: 1571

Re: 52 oz, the new orange juice size?

Bob, you're in my neck of the woods, just head out my way and I'll make sure you get a proper pour! Currently on draft: Great Lakes Edmund Fitzgerald Porter and Coronado Stingray IPA. Next up: Dragonstooth Imperial Oatmeal Stout and 21st Amendment Brew Free or Die! IPA. That said, I do Tulips instea...
by lazydavid
Sun Apr 15, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3917

Re: Is it necessary to replace brake fluid on a car every 3 years?

I bleed our cars brakes on a roughly yearly basis or whenever they get new pads. I have a vacuum bleeder that makes it very easy for one person. I sold my big compressor so now I'm back to the two man method. There are plenty of bleeders that don't require a second person or a compressor. I have a ...
by lazydavid
Sun Apr 15, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: 52 oz, the new orange juice size?
Replies: 21
Views: 1571

Re: 52 oz, the new orange juice size?

I don't typically buy orange juice--if I'm going to drink a ton of empty carbs, I'd rather have nine 12oz beers (average 6g carbs per quality craft) than one 8oz glass of OJ (52g carbs)--but I do see this downsizing across the board. As has been previously mentioned, bacon is the big one, where the ...
by lazydavid
Sun Apr 15, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3917

Re: Is it necessary to replace brake fluid on a car every 3 years?

I target to change every 2 years, but don't freak out if it stretches to 3. But skip it entirely at your own peril--literally. use a mityvac like another member suggested, or a powerbleeder like I use, and you can easily do it yourself in under an hour. You're talking a one-time cost of around $60 ...
by lazydavid
Sun Apr 15, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2069

Re: Decisions on a Two Car Strategy

Don't sweat too much about mpg. It matters, but not as much as you think. My current DD has averaged 28.7mpg over its lifetime. My commute is 61 miles roundtrip, plus a bunch of other driving my son around for activities and such (25 miles roundtrip to club sports 3x/week being the major one). If I ...
by lazydavid
Sun Apr 15, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3917

Re: Is it necessary to replace brake fluid on a car every 3 years?

I target to change every 2 years, but don't freak out if it stretches to 3. But skip it entirely at your own peril--literally. use a mityvac like another member suggested, or a powerbleeder like I use, and you can easily do it yourself in under an hour. You're talking a one-time cost of around $60 f...
by lazydavid
Sun Apr 15, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

When I enter vanguard.com in my browser, Comcast's DNS lookup returns IP address 192.175.191.200. I might disagree with my Comcast bill but I trust the IP address they return and the webpage I visit as a result of my browser receiving the IP address; I am happy to enter my username and password to ...
by lazydavid
Fri Apr 13, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1699

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

Agree that it's not likely to fail anytime soon. I still have the Amana top-freezer my parents bought in 1990 (the very last model with Freon) working happily in my garage. This is the fourth house it's been to, and the second where it's lived in the garage. It could fail at any time. But for 28 yea...
by lazydavid
Fri Apr 13, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1110

Re: Men's Boxer briefs without brand/embossing

What is the purpose avoiding branding? If it's to eliminate tags that can chafe, most modern stuff don't have actual tags anymore. The info that would have been on the tag is silkscreened on the inside of the seat, and disappears entirely after a few dozen washes. If you're a public figure and you'r...
by lazydavid
Thu Apr 12, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Does anyone know if changing DNS to 1.1.1.1 in the ISP router will change the DNS for all devices that use the router? Do you have to change DNS address for each device, and the router? What if the router is set for the ISP DNS but you change a device to the 1.1.1.1 What takes prescience, router or...
by lazydavid
Wed Apr 11, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

I believe that there is literally nothing you can say will change this individuals mind. I won't tell you to stop since it is probably educating other folks, but, or as Scott Adams put it, "Nothing makes [someone] argue harder than being proven wrong." You are exactly right. I tried, but am now thr...
by lazydavid
Wed Apr 11, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1747

Re: Driver's permit before 18 - Any financial incentive

As others have said, make no mistake it will cost more. You'll have to decide if the benefits are worth the costs. One way to minimize those costs as much as possible is to make sure you have fewer cars than you do drivers. Then the teen can be added to your policy as an "occasional driver". Which i...
by lazydavid
Wed Apr 11, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1545

Re: Mini Air Compressor

Noise can be a concern even if you're the only person in your entire state. :D You have to listen to the thing too.
by lazydavid
Wed Apr 11, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Last time I checked few years ago, Comcast was using Domain Name System Security Extensions (DNSSEC). If it is not good enough, IETF will develop a new set that ISPs will adopt. Comcast has about 25 million broadband subscribers, and I am glad to use their default ISP. Hopefully, I am not the only ...
by lazydavid
Wed Apr 11, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37431

Re: Name something you bought that wasn't cheap and glad you did

Club Lacrosse for my son. Costs almost 10x what our local rec league (which he is also in) does, but he gets so much more out of working with professional coaches and other players who are by and large all significantly better than he is. We've seen huge improvements in his skills and athleticism (h...
by lazydavid
Wed Apr 11, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Are they looking to use this as a channel to re-route mass users in case of a DDoS attack to a site they provide CloudFlare service to? This is one possibility, though it would be challenging because the bad actors could use their lookups as well. My guess is analytics, and not in the privacy-invas...
by lazydavid
Wed Apr 11, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

When I enter vanguard.com in my browser, Comcast's DNS lookup returns IP address 192.175.191.200. I might disagree with my Comcast bill but I trust the IP address they return and the webpage I visit as a result of my browser receiving the IP address; I am happy to enter my username and password to ...
by lazydavid
Tue Apr 10, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2290

Re: Should I prewire my home network myself?

I haven't priced the cable itself in quite a while, but don't pay a significant premium for Cat6 vs. Cat5e. It is next to impossible for a non-professional installer to terminate Cat6 within spec, due to the extremely tight 0.5" maximum untwist requirement. If it's not terminated to spec, then it's...
by lazydavid
Tue Apr 10, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2290

Re: Should I prewire my home network myself?

I haven't priced the cable itself in quite a while, but don't pay a significant premium for Cat6 vs. Cat5e. It is next to impossible for a non-professional installer to terminate Cat6 within spec, due to the extremely tight 0.5" maximum untwist requirement. If it's not terminated to spec, then it's ...
by lazydavid
Tue Apr 10, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

The announcement about 1.1.1.1 came out while I was traveling, so I tried it out while in my hotel room one evening. It worked fine that night, and for the next few days while visiting family, but when I stopped at a hotel on the way home, I was not able to get access to the hotel wifi until I swit...
by lazydavid
Mon Apr 09, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6966

Re: New faster DNS - 1.1.1.1 by CloudFlare

Regarding, search, I was referring to “Search domains" in settings (iOS) under “Configure DNS”—not the web search engine (which I have set to DuckDuckGo). I hope that clarifies my question. These are domains that will be appended to requests that do not return a result. So let's say that you put th...
by lazydavid
Sun Apr 08, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4193

Re: New Lexus LS or Tesla Model S

Second the recommendations for both the 4LS (outgoing, 4th generation LS) or G90. I was all excited about the 5LS and the reviews are pretty good. But when I found out that the new LS, while LWB-only, has significantly less rear space than the outgoing SWB model. You should be able to get a great di...
by lazydavid
Fri Apr 06, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14897

Re: Swedroe: Look Beyond 60/40 Portfolio

I am disappointed that most of the threads and discussions on this forum relate primarily to those investors in the accumulation phase. Comments center more on the 60/40 or 100/0 allocations and everything in between. Retirees with less that 40% equity holdings get short shrift and usually are ment...
by lazydavid
Fri Apr 06, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378718

Re: ???

oldnewinvestor wrote:
Fri Apr 06, 2018 2:52 pm
Anyone buying today? :D
Yep. I've been travelling for the past two weeks, so haven't paid attention to my AA shifting as we've bounced around. the 3% downturn as of mid-afternoon had me do some math, which in turn directed me to exchange $20k of bonds for (mostly, but not entirely US) equity.
by lazydavid
Fri Apr 06, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3100

Re: VW Atlas

That’s one of the biggest reasons we bought our 2014 Acadia. The third row was one of the roomiest we could find. Much better than even the Tahoe of the same vintage. Alas, they redesigned them and the third row got much smaller and our quality experience has not been, well, very quality. Likely wo...
by lazydavid
Thu Apr 05, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378718

Re: U.S. stocks in freefall

Read an article today on MarketWatch where Schwab's chief investment strategist said we are in a "bunny market" (not a bear..not a bull..a bunny :happy ). Here's the actual quote.. "This probably isn't the start of a bear market, but it doesn't 'feel' like a bull market right now - it's more of a '...
by lazydavid
Thu Apr 05, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3100

Re: VW Atlas

I believe that. Even the GX 460 3rd row is kind a joke. Kids or short trips. People or stuff. No both. The difference though, is that while third-row occupants are going to be miserable in either vehicle, with the RXL putting people in the third row makes everyone in the first and second rows miser...
by lazydavid
Wed Apr 04, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3100

Re: VW Atlas

What is your budget? The new Lexus RXL 350 (3 rows of seats) looks pretty awesome. But the price is awesome too. 2-3 year old Lexus GX 460 would probably be over budget as well. The third row in the RXL is a joke, akin to the backseat in a 911. If you want to use it, none of the passengers in ANY r...
by lazydavid
Sun Apr 01, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3265

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

I would always file with my own insurer, especially if the other insurer is shady. Doing so aligns their interests with yours. If you are not at fault, they're going to want their money back just as much as you want your deductible. As another poster mentioned, you can even request that they ask the...
by lazydavid
Sun Apr 01, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 2887

Re: Portable Inverter Generator vs Standby Generator

Just wondering if the price differential for the inverter type generators is worth it. That's an eye of the beholder thing, of course. To me, it was dramatically worth it. The classic contractor one weighed, I dunno, a couple hundred pounds. Dragging it uphill from the shed, especially through snow...
by lazydavid
Sat Mar 31, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4070

Re: Tired of gas grills rusting out...

Meaty wrote:
Sat Mar 31, 2018 3:21 pm
Get a big green egg or Kamado joe. Won’t rust and is WAY superior to a gas grill. Food has never tasted better.
Seconded. Since getting my Big Joe, I've sold both of my smokers, and the natural gas weber now only gets used for things like hot dogs or searing tuna.
by lazydavid
Sat Mar 31, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144026

Re: Boglehead Beer

Had a number of nice beers during my tour of Cigar City Brewing yesterday, notably their Maduro Brown Ale and "I Have Enough Friends" Lactose Double IPA. And of course their mainstay Jai Alai. Their experimentals were hit or miss. Pomegranate Margarita Gose (Sour) was a winner. Blueberry Chocolate C...
by lazydavid
Sat Mar 31, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4070

Re: Tired of gas grills rusting out...

I haven't covered my 2004-vintage Genesis Silver C in at least 12 years. Still on the original burners, grates, and ignitor, though I have had to replace the rack that holds the drip pan, and the flavorizer bars are due. It doesn't get much use anymore though, since I got the Kamado Joe about two ye...