Search found 1268 matches

by lazydavid
Wed Jan 17, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 2707

Re: PTO policy after international business travel

Years ago, a work colleague flew to Sydney to solve a critical problem then was headed back two days after he arrived :shock: because of other business commitments. He had the same flight crew and they were all floored that he'd flown that distance for such a short visit. The company paid for busin...
by lazydavid
Tue Jan 16, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 63
Views: 6724

Re: Our 'cure' for emergency expenses

ThreeBears wrote:
Sat Jan 13, 2018 9:11 pm
We just pray that we don't have emergencies . . . so far it's worked. It's kinda a bogglehead approach, as it's been very low-cost . . . so far.
As my previous boss was fond of saying, "Hope is not a strategy".
by lazydavid
Mon Jan 15, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 42
Views: 4979

Re: Vanguard Yubikey-only option?

On that note, my cell phone provider requires a PIN (chosen by the customer) to port the phone number to a different phone. This (realistically) all but eliminates the ability to steal your phone number via social engineering. I would think that most cell phone providers would offer this basic secu...
by lazydavid
Mon Jan 15, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1253

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

kerplunk wrote:
Sun Jan 14, 2018 7:04 pm
Get a MacBook (Pro) and attach it to a monitor/keyboard/mouse with its lid shut.
This is a great way to get a $3500 desktop that's almost as powerful as a $500 one.
by lazydavid
Mon Jan 15, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 42
Views: 4979

Re: Vanguard Yubikey-only option?

Is it possible to set up a bogus cell phone number? Or do they confirm it before making it official? In other words, could I set up my SMS and Yubikey and then change my SMS to 800-555-1212? If they use a shortcode, rules set by the MMA (Mobile Marketing Association, not UFC :)) require that the nu...
by lazydavid
Sun Jan 14, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1282

Re: Anyone Gone All the Way with LastPass?

What I would do is change your most important passwords (such as Vanguard, 401K, Google/email) every 3-6 months. [...] Change your LastPass master password at least once per year. Enable two factor authentication through a phone app (such as Google Authenticator or LastPass Authenticator). Regularl...
by lazydavid
Sun Jan 14, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1282

Re: Anyone Gone All the Way with LastPass?

All in LastPass. My second go with them. I had to rebuild my entire LastPass password database a year or two ago. Do NOT forget/lose you master password! :oops: Though perhaps they have a recovery method now. :?: If an encryption service has a recovery method, it is by definition not confidential/s...
by lazydavid
Sun Jan 14, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I never owned a super powerful car (I daydream emotionally about cars but act with utmost practicality regarding actual ownership), so I'm curious, if you have the time, about what you think of a Dodge Charger with manual transmission? I'll admit not having driven one. It does tick a couple of the ...
by lazydavid
Sun Jan 14, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I wanted to get a 2017 E63 based upon the upgraded interior, but saw they were $100K+ cars brand new. That is absolutely ridiculous and shows me that in 4 years, they are now half the price people paid. That is a HUGE depreciation hit if you're looking to buy a 2018 E400. I can't really comment on ...
by lazydavid
Sat Jan 13, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

Beehave wrote:
Sat Jan 13, 2018 4:19 pm
At least we're in agreement on the manual transmission. :sharebeer
There's always common ground to be found. :sharebeer The lack of a manual is the one thing I miss about my 500 lbft beast of a car.
by lazydavid
Sat Jan 13, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Has InformedforLife.org (vehicle safety ratings) gone too far?
Replies: 29
Views: 1906

Re: Has InformedforLife.org (vehicle safety ratings) gone too far?

Actually we can put numbers on it. That is what the highway saftey data does. And that is pretty clear that your lighter car is lot more dangerous;). You might feel safer. Odds are you are not. And no you being a well above average driver (aren't we all?:)), doesn't change that. That simply puts a ...
by lazydavid
Sat Jan 13, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

If you want to take pride in a vehicle and your driving get a Corolla manual 6-speed. It'll last forever with easy maintenance and you'll be connected with your driving experience far beyond any luxo coupe or wagon. With <140hp and wrong-wheel drive, I'll pass, thanks. I don't want to be "connected...
by lazydavid
Fri Jan 12, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I adore the concept of a performance european sports wagon but 99% of people on the road will view it as a station wagon period. Seems like a high premium to pay to impress a few automotive cognoscenti. Buying a car to impress people you don't know is a fool's errand. Who cares what everyone else t...
by lazydavid
Fri Jan 12, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Trying to downsize but still too much stuff
Replies: 49
Views: 4413

Re: Trying to downsize but still too much stuff

It completely makes sense to keep the shoes. But why keep the boxes? That makes them take up dramatically more space. As for the music, lossless means exactly what it sounds like. The quality is identical to the source. MP3 is a lossy codec, so technically there can be a discernible difference. Mode...
by lazydavid
Thu Jan 11, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4468

Re: Early Retirement Incentive Plan is generating paranoia

Are you sure unemployment is near zero for 50+ developers? There have been many posts on yhos board about difficulty in finding dev jobs after a certain age. I know we've hired a few. They're certainly outnumbered by younger ones--30-40 is the widest band where I'm at--but we do bring in a relative...
by lazydavid
Thu Jan 11, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4468

Re: Early Retirement Incentive Plan is generating paranoia

There really is not a rumor mill - just a former co-worker who is really worried. However I have found out He is fairly recently divorced and has to provide health insurance for his home. Since we are software developers it may be hardfor co-worker to find good work. In my area, unemployment for so...
by lazydavid
Thu Jan 11, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 3001

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

If an MB extended warranty for a reasonable price is a possibility, I would certainly consider it, but would note that generally maintenance / upkeep on these cars is more expensive (i.e. a front break job will run you $3500... more if you have done at a dealer). This confuses me. OE pads and the b...
by lazydavid
Wed Jan 10, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1174

Re: OnePlus 5t Smartphone?

I think the OnePlus are pretty good phones. One minor thing. I do not think they use Micro-USB connectors for the chargers. If you are in a non-Apple environment, it is pretty strange to find a phone that does not use Micro-USB. A friend has one, we were out for the evening and his phone was runnin...
by lazydavid
Wed Jan 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4490

Re: New Honda CRV - first oil change full synthetic?

Fair enough on the oil spec end. But I've confirmed empirically that a 13k OCI is overkill on my chiptuned and abused twin-turbo engine. I therefore find it impossible to believe that 6k in a family-mobile is anything but exceedingly conservative with a quality synthetic. That may well be, David, b...
by lazydavid
Wed Jan 10, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4490

Re: New Honda CRV - first oil change full synthetic?

They do specify it in the manual, by default: 0W-20 weight automotive engine oil meeting API/SN and ILSAC/GF-5 specification is only available in a syn blend or syn. Also, I don't think that a 6K mile syn/syn blend oil change on a turbo engine is necessarily overkill. Fair enough on the oil spec en...
by lazydavid
Wed Jan 10, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9596

Re: Effects of extreme cold weather

Rexindex wrote:
Wed Jan 10, 2018 4:38 am
Interestingly, when the temperature drops into the teens I find myself reflexively going to expedia to find cruise deals to the carribean. :sharebeer
Temperatures were in the negative teens last week when we booked our Caribbean cruise. :sharebeer
by lazydavid
Tue Jan 09, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3268

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Obviously nobody knows nuthin', but at this point (ages 39 and 41) I think our pre-eldercare home count will be 3. Our first house was absolutely perfect for the two of us, minus the wish for at least a partial basement. It was 1385 sqft, 3 bed, 1.5 baths. Nice quiet backyard, great neighbors. But a...
by lazydavid
Mon Jan 08, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4490

Re: New Honda CRV - first oil change full synthetic?

That's what I suspected. So, if I go to a synthetic with extended life I'm going to have to not mind the Maintenance Minder and put some duct tape over that thing on my display? Or if you're looking to double the interval (not recommending for or against this), just reset it the first time, then ch...
by lazydavid
Mon Jan 08, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3929

Re: Are Password Managers Really Necessary?

I have 724 credentials stored in my password manager. Yes, it's necessary. :)
by lazydavid
Mon Jan 08, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4490

Re: New Honda CRV - first oil change full synthetic?

I'm wondering how the Maintenance Minder in the vehicle actually works. Does it actually "measure" the condition of the oil in some way, or is it just set on some sort of computerized algorithm? It doesn't measure the oil in any way, there's an algorithm that is supposed to calculate the lifetime b...
by lazydavid
Mon Jan 08, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4490

Re: New Honda CRV - first oil change full synthetic?

Follow your MaintenanceMinder or, for more peace of mind, perhaps even change it around 15% to 20% oil life (turbos make me nervous). Do not go for extended oil change intervals as suggested above, Honda already realized that the engine would be running synthetic when it was designed. I change mine...
by lazydavid
Mon Jan 08, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3929

Re: Are Password Managers Really Necessary?

The situation with regard to credit cards may have changed. Some kind of consumer protection became weakened when they went to chipped cards. The protection may only be weakened if you are at a place that doesn't take chips and you have to swipe (like seemingly every pay-at-the-pump gas station in ...
by lazydavid
Sat Jan 06, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9596

Re: Effects of extreme cold weather

This morning my car was blowing cold air for a whole 25 miles commute to work. The engine Temp was regular operating temp. Odd that on the way it was blowing warm. First Time that's happened to me. -9 today. My engine takes so long to warm up in even moderately cold weather (diesel) that it has an ...
by lazydavid
Fri Jan 05, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9596

Re: Effects of extreme cold weather

So someone figured if they attached it to the hot water pipe it would help but I'm pretty sure hot water freezes quicker than cold water. Only true in open air, because the difference is due to evaporation. Hot water inside a pipe will take significantly longer to freeze than cold water, because wa...
by lazydavid
Thu Jan 04, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2672

Re: How much to spend on toys?

Agree with the above. It's more of a question of how much discretionary income do you have spend on yourself? It shouldn't matter if you want to spend money on snow globes, a boat, a car, vacations, or whatever. People on this site will make personal judgments on what's important to them, but that ...
by lazydavid
Thu Jan 04, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6561

Re: Chip architecture vulnerability in pretty much everthing

That’s why I suggested a chromebook with a limited attack surface (vs a full PC OS) using a PC VM hosted in the cloud without the chip-based vulnerability. https://www.google.com/amp/s/www.cnbc.com/amp/2018/01/03/microsoft-google-respond-to-intel-chip-vulnerability.html You still need to patch both...
by lazydavid
Thu Jan 04, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Can PMI be eliminated without refinancing?
Replies: 6
Views: 702

Re: Can PMI be eliminated without refinancing?

If memory serves, you can request removal once you reach 20% equity, and the lender must comply. They must automatically remove it at 21% equity, whether you ask or not.
by lazydavid
Thu Jan 04, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Chip architecture vulnerability in pretty much everthing
Replies: 106
Views: 6561

Re: Chip architecture vulnerability in pretty much everthing

The solution (since this type of thing is an ongoing reality) is defense in depth (layered defensive practices). Firewalls, antivirus, intrusion detection/prevention, common sense, active patching, minimal rights for normal computing use, encrypting data, two factor authentication, and buying from ...
by lazydavid
Thu Jan 04, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 813

Re: 2016 Nissan Pathfinder S with 3rd row seat

We had the 2014 pathfinder and would not recommend it. We didn't have any major issues but the drive wasn't very smooth. I would recommend looking at Acura MDX or Toyota Highlander for the same specs. Be aware that the MDX, along with the top two trims of the Pilot (Touring and Elite), is equipped ...
by lazydavid
Wed Jan 03, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3506

Re: E-reader for ebooks - Pros and Cons

Like you, I was deciding between the paperwhite and the voyage. I read one of the Amazon reviews by someone who had both, and they said that the way the battery runs along the side of the voyage makes it inconvenient to switch hands while reading. You can probably find the review for more details. ...
by lazydavid
Wed Jan 03, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 813

Re: 2016 Nissan Pathfinder S with 3rd row seat

We test drove several mid-size SUVs. We determined that all were too small for our needs. We decided to go back to the minivan. We settled on a used 2017 KIA Sedona with 18k miles. Paid on the low side of the KBB price range so we feel okay about the price. The Sedona is a great minivan, rivaled on...
by lazydavid
Wed Jan 03, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra on Mortgage or save for car? Need Advice, Please!!
Replies: 29
Views: 1226

Re: Pay extra on Mortgage or save for car? Need Advice, Please!!

For those who suggested paying extra on my mortgage has nothing to do with how much I make when I sell: I figured if I owe less than I sell it for, I'd make a few bucks. No telling what the housing market will be like when I do sell so I thought that if I can pay it down, then even if the market is...
by lazydavid
Wed Jan 03, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra on Mortgage or save for car? Need Advice, Please!!
Replies: 29
Views: 1226

Re: Pay extra on Mortgage or save for car? Need Advice, Please!!

The standard wisdom here is that cars should always be purchased for cash. That said, personally I prefer cheap debt to more expensive debt. In your situation I would rather put any given $500 towards eliminating 4.4% debt, even if that meant reducing my down payment and taking on a larger balance a...
by lazydavid
Wed Jan 03, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9596

Re: Effects of extreme cold weather

Every time it gets really cold, the AC condenser for my server room locks up. This causes the temperature in the room to rise from 70 degrees to 95 in about 15 minutes. Great fun! Propping the doors open (major security violation) and turning on the exhaust fan can usually keep it under 100. Needles...
by lazydavid
Tue Jan 02, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: A cabin in the snow

lthenderson wrote:
Tue Jan 02, 2018 3:04 pm
I think Packer fans rely on alcohol to stay warm but that is only a short term solution! :sharebeer
The ironic thing about alcohol is that it makes you feel warmer while it lowers your actual body temperature.
by lazydavid
Fri Dec 29, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10791

Re: Another should i buy my dream porsche thread...

I'm the same age as the OP, have less than half his (current) income, and have almost 3x the retirement savings. The rush to pay off the house doesn't make sense considering the relatively cheap borrowing environment. I would have focused on propping up retirement reserves. This exactly. I'm also t...
by lazydavid
Wed Dec 27, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6450

Re: manual car for new teen driver

While not on the IIHS list, depending on the teen, I'd consider a Jeep Wrangler. SUV, 4x4, manual is common, and the teen probably won't laugh you out of the house like they would with the Camry or other options listed above. Reliability may not be the best, but it's certainly good enough for a tee...
by lazydavid
Tue Dec 26, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6450

Re: manual car for new teen driver

investingdad wrote:
Tue Dec 26, 2017 1:37 pm
What modern clutch vehicle requires double clutching?
One on which someone learning to drive manual (or doing it poorly on the regular) has blown the synchros. :mrgreen:
by lazydavid
Tue Dec 26, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6450

Re: manual car for new teen driver

Perhaps it is a location thing then. My manual is worth a premium because it is a two door stick and of a vintage desirable to the tuner crowd. I get them stopping by several times a year offering to buy my car. But I was surprised at how hard it was to sell my parents four door car with low miles ...
by lazydavid
Tue Dec 26, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 33
Views: 5814

Re: Subaru Forester - Harsh ride

I was told that the Forester was built on an SUV platform, while the Outback is built on a sedan platform, making it a "station wagon." The ride does seem to bear that out. We bought a 2015 Outback, rides well enough. The Michigan DMV calls it a station wagon. This is incorrect. The Forester and th...
by lazydavid
Tue Dec 26, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6450

Re: manual car for new teen driver

A manual transmission demands more driver attention, but the consequences of getting it wrong (stalling or clutch wear) are rarely dangerous. By contrast a RWD car is far more likely to oversteer in a low traction environment or evasive maneuvers- which is much more likely to result in a catastroph...
by lazydavid
Sun Dec 24, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Mercedes S Class: Reliability and Extended Warranty
Replies: 14
Views: 1396

Re: Mercedes S Class: Reliability and Extended Warranty

Most common expensive problems I'm aware of are: 1. the ABC system (Active Body Control), if equipped, which is a hydraulic suspension. Every major part in the system costs over $2,000, and most require 4-5 hours of labor to replace, plus several quarts of hydraulic fluid. It is apparently quite rar...
by lazydavid
Thu Dec 21, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2535

Re: Apple 2FA is saving DEVICE passwords in the cloud

EHEngineer wrote:
Thu Dec 21, 2017 11:53 am
I get it. The device password (aka "encrypted, hashed, salted, stretched blob") resides on an apple server somewhere to be sent to devices for authentication purposes when requested. That's the cloud. That's what I don't want.
No, you very obviously don't get it, and it is useless to continue.
by lazydavid
Thu Dec 21, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2535

Re: Apple 2FA is saving DEVICE passwords in the cloud

I really appreciate the time you took to spell that out. I had heard all those terms before, but I couldn't have explained them. It's interesting and impressive, but my preferred strategy remains: avoid putting my passwords in the cloud. As called out in later posts, you are not sending your device...