Search found 1660 matches

by lazydavid
Mon Aug 20, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2470

Re: Costco penny install sale & road hazard terms

.. for about two miles until I could get to a gas station and air it up. Wow! (in the voice of omar..) More amazed that you took the risk of damage to wheel as it surely changes the geometry of the metal if tire completely flat ? The west side of Chicago is not exactly the place you want to be hang...
by lazydavid
Mon Aug 20, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2470

Re: Costco penny install sale & road hazard terms

Does anyone have a 1st hand experience in how they actually treat customer with/when one out of four tires hits the nail on the road (or debris) and must be replaced, assuming Costco Road Hazard policy is in effect and tires are less than 12 mo ? I can go one better. A year or two ago, I hit a ridi...
by lazydavid
Sun Aug 19, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6525

Re: Take auto loan 0.9% if I can afford cash?

We're actually going car shopping this weekend, and if we decided to buy something, my choices would essentially be: 1) Withdraw $XX,XXX from my account and pay cash 2) Take the financing, and reduce monthly contributions to the account by the amount of the payment obviously some combination of 1 a...
by lazydavid
Thu Aug 16, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6525

Re: Take auto loan 0.9% if I can afford cash?

--Most people don't follow through. They say, "Why not borrow at 1% when I can invest and earn 5% or more?," but rarely do they actually take the full amount of the car loan they obtain and lump sum it into the stock market. Instead they keep more cash on hand, which can lead to feeling flush and s...
by lazydavid
Thu Aug 16, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4836

Re: Savings rate per month???

2017 was about 33% of gross in pure dollars, about 43% if taxable contributions were grossed up (meaning counting taxes withheld to equalize the "value" of tax-advantage vs. not). 2018 target: 16% 401k withholding 5% 401k match 20% of take-home to taxable (missed this for part of the year due to cas...
by lazydavid
Thu Aug 16, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio experiment
Replies: 14
Views: 1765

Re: Schwab Intelligent Portfolio experiment

Yes, that's what I'm curious about - the robo's are making tax loss harvesting seem like a great and wonderful thing. I'm curious if the customers really think that at tax time. My 1099 from Wealthfront last year had 22 transactions on it (2017 was not a great year for TLH, 2016 had 52). I could ha...
by lazydavid
Wed Aug 15, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3302

Re: Cleaning gas grill

One reason I ended up using a cover was after reading some other forums in which people had rain get into their grill and overflow the grease pan creating a huge mess. I'm sure Weber does a great job keeping rain out without a cover and I'm sure that everybody keeps the interior of their grills spo...
by lazydavid
Tue Aug 14, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3302

Re: Cleaning gas grill

I use a wooden scrapper I got at Costco to clean the grates after the grill has heated up. Once every two years I will take the grill apart entirely and clean out grease using degreaser and steel wool. Grills don't take a whole lot of maintenance in my opinion. The most important thing has been cov...
by lazydavid
Fri Aug 10, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4568

Re: Should I pay 6000.00 to repair wife's car....

The stop strap idea is brilliant.
by lazydavid
Fri Aug 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4568

Re: Should I pay 6000.00 to repair wife's car....

chevca wrote:
Fri Aug 10, 2018 1:45 pm
What are the issues... why so secretive?
Agreed, it's strange that more detail isn't provided. Most vehicular problems are nothing to be ashamed of. Does the car randomly kill puppies or something?
by lazydavid
Thu Aug 09, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1958

Re: Anyone familiar with attic fans?

Be aware that if you do try to walk through the attic you must [/u] carefully feel through the insulation and step only on the wood rafters, which can support your weight. This is important! I have known of several people who are not familiar with construction who did not realize that the sheetrock...
by lazydavid
Thu Aug 09, 2018 4:40 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2169

Re: Best Counter Depth Side by Side refrigerator

It isn't quite what you're looking for, but my wife and I have been happy with this refrigerator so far. https://www.lg.com/us/refrigerators/lg-LFXC24726S-french-3-door-refrigerator It is our first French door fridge and we won't ever go back to a side-by-side. Hey that's my fridge! Our first Frenc...
by lazydavid
Wed Aug 08, 2018 5:31 am
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1580

Re: whole house generator different questions

Apparently it is not as effortless as I would like. As I understand it, there is some control so that if the AC is on when I ask for too much power, the AC shuts off, but comes back on automatically when I turn off enough other stuff. Has anyone had a problem with this feature? This feature is call...
by lazydavid
Wed Aug 08, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 68
Views: 5418

Re: are mccormick gourmet spices better

I buy all my herbs and spices in 1-pound packages on Amazon. I select organic versions, with many reviews and mostly positive reviews; I read selected reviews to understand the nuances. The Amazon prices for the things I buy range from $11 to $25 per pound, which is far less expensive than buying s...
by lazydavid
Tue Aug 07, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 6
Views: 450

Re: Anyone using a Dolby Atmos-capable sound bar?

I am highly skeptical that a soundbar with X number of speakers (the $1,200 Integra has five) in a single location even occupies the same universe as a reference Atmos setup with 11 speakers in 7-11 locations (ignoring subwoofer in both cases). I personally wouldn't bother.
by lazydavid
Tue Aug 07, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2639

Re: Should I roast my own coffee?

I've pondered trying roasting coffee beans more than once, but I can't see why I could do better than professional roasters with pro equipment doing smaller batches. And it's quite easy nowdays to get freshly roasted coffee beans (within a week of roasting). This is all true. But "better" is somewh...
by lazydavid
Mon Aug 06, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2169

Re: Best Counter Depth Side by Side refrigerator

Like your friend, we had to have our LG serviced relatively soon after purchase, but it's been good for 5+ years since. Ours is a counter-depth French-door model, which is a really practical formfactor if you haven't considered it. You get about 15% more interior volume than a similarly-sized side-b...
by lazydavid
Mon Aug 06, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: 48" Range - Recommendations
Replies: 7
Views: 407

Re: 48" Range - Recommendations

We have had the 48" All-gas Wolf with a 12" griddle ( model GR48G ) for almost 6 years. Love love love it. My wife is a baker, and has had much more success with it than any previous oven. We use the 18" oven WAY more than the 30" (It preheats incredibly fast and is big enough for much of our cookin...
by lazydavid
Mon Aug 06, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Watch winder that does not require strap?
Replies: 3
Views: 351

Watch winder that does not require strap?

Since there are a decent number of BHs that are watch fans, this seemed to be the right place to ask. I've had the Tag Huer Connected Modular 45 smart watch (Google Wear) for a little over a year and love it. Recently I acquired the mechanical module, which swaps in for the head to convert it into s...
by lazydavid
Sat Aug 04, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2639

Re: Should I roast my own coffee?

I misunderstood. I assumed to get maximum freshness, you were roasting before you drank. If you roast once a week -- probably what I'd do -- you don't have much of a freshness advantage over some options, but you do have the ability to roast a given bean exactly the way you want. And I'd think it w...
by lazydavid
Sat Aug 04, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2639

Re: Should I roast my own coffee?

OK I am interested. Can someone recommend a "roaster" if I would like to roast say about 1/2 lb each time? Is there a website to read further? TIA. I use and love the Gene Cafe--have put several hundred pounds through it. The Behmor is definitely the most popular at the lower end of the price spect...
by lazydavid
Thu Aug 02, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3211

Re: What’s your Value Colombian coffee?

What do you use for a grinder? I too have been put off by the extra work, but if it’s as easy as you say, I might change to beans from ground coffee. I use a Bunn LPG-1: https://images-na.ssl-images-amazon.com/images/I/41yFQpGorDL.jpg It holds 6lbs of beans (but is rarely that full for freshness re...
by lazydavid
Thu Aug 02, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3211

Re: What’s your Value Colombian coffee?

Doesn't a dark roast ruin high quality coffee beans by destroying any subtle flavors and making the coffee taste bitter and burnt? Seems like a waste of money and good coffee beans. BItterness and acidity are actually enhanced by a lighter roast, as they are the flavors particular to the bean. Gene...
by lazydavid
Thu Aug 02, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5990

Re: Talk to me about Le Creuset

maybe, but wouldn't heat retention on cast iron be superior to regular cookware? Would be interesting to see if anyone has measured energy efficiency. Heat retention IS better--there's no room for debate on that. But it's better because it has a higher thermal mass. That means it takes a LOT more e...
by lazydavid
Thu Aug 02, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5990

Re: Talk to me about Le Creuset

I like this brand because I can turn the heat off before cooking is finished, and the residual heat in the cookware completes the job. This saves a little money, and it’s nice in summer as the kitchen doesn’t get as hot. False economy--there is no free lunch. It takes longer to heat cast iron, so t...
by lazydavid
Thu Aug 02, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5990

Re: Talk to me about Le Creuset

Being a boglehead, I tried two cheaper brands and they delaminated within a year. I use the 5 quart dutch oven weekly. Other pieces are sale items in mismatched colors. Interesting. We have had several knockoffs for 10+ years, and other than a slight chip in one (due to an impact), the finishes are...
by lazydavid
Wed Aug 01, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3211

Re: What’s your Value Colombian coffee?

I'm always impressed by other peoples' ambition. I don't even like to buy whole beans because grinding it myself seems like a huge waste of my time. And if you don't appreciate fresh coffee, that's fine--pre-ground coffee is stale by definition. I press one button on my grinder and 7 seconds later ...
by lazydavid
Wed Aug 01, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1566

Re: Older Camrys - Hybrid vs regular?

are any hybrid cars designed to simply bypass the battery once it dies? I don't believe so, but if that were the case you would wind up with a car that was the ideal combination of slow and horribly inefficient. Atkinson-cycle engines are great at powering a generator at a constant engine speed and...
by lazydavid
Wed Aug 01, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3211

Re: What’s your Value Colombian coffee?

Do you have a roaster? I was using a Whirley-Pop for a couple years but I have burned out on it. It just kind of became a pain to drag the equipment out and stand in front of my grill for an hour each week. My mother uses a Behmor roaster and though it doesn't do a large quantity at a time, it requ...
by lazydavid
Wed Aug 01, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3211

Re: What’s your Value Colombian coffee?

I buy green coffee beans and roast them myself. It's always fresh, and the cost is cheaper. It's not difficult to do. This. I probably average $5-6/lb (pre-roast weight, it does lose about 18% during the roast, so it's a little more expensive than that) for super-fresh coffee that is roasted exactl...
by lazydavid
Wed Jul 18, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6895

Re: Families - What's your total annual credit card spend?

$126k on the primary Citi card in 2017, and another $41k on my corporate AmEx, so $167k total. A minority chunk of the former and 100% of the latter is reimbursed expenses. Everything that can be charged is, always paid off every month of course.

Family of 3 plus a live-in FIL, MCOL area.
by lazydavid
Wed Jul 18, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3639

Re: 35 minute connection for flight, long enough?

You're trading one risk for another. For a 35 minute connection, even if you make it, sometimes your checked luggage might not, so that's something to consider if you're trying a tight connection. It's possible Denver gets snowed in, but I've heard of numerous ORD closures during the winter season,...
by lazydavid
Tue Jul 17, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Any luck Unlocking Sprint iPhone 5?
Replies: 7
Views: 613

Re: Any luck Unlocking Sprint iPhone 5?

A440 wrote:
Tue Jul 17, 2018 6:06 am
I was trying to use it on T-Mobile.
Yup, won't work. You have a CDMA phone, and T-Mobile uses GSM.
by lazydavid
Tue Jul 17, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Any luck Unlocking Sprint iPhone 5?
Replies: 7
Views: 613

Re: Any luck Unlocking Sprint iPhone 5?

This may be a fool's errand. What carrier are you trying to use it with? Unless the answer is Verizon, it doesn't matter if they unlock it for you. Your device will only function on two domestic carriers, and you're already using one of them.
by lazydavid
Mon Jul 16, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9740

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: 140
Views: 9740

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: 91
Views: 6801

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: 56
Views: 5613

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: 59
Views: 5742

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: 2178

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: 756

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: 3846

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: 13559

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: 16581

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: 13559

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: 19776

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: 1909

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: 1909

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: 19776

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: 19776

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...