Search found 1277 matches

by iamlucky13
Fri May 24, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Google Tool for coordinating vacation dates between friends?
Replies: 16
Views: 1167

Re: Google Tool for coordinating vacation dates between friends?

I've done similar things both with a shared calendar and with a shared Google Sheets file. I've tended to prefer using a spreadsheet: Give each person a row or column, and make the other a running date range. They can color code availability, or add comments about preferences in the cells. What "new...
by iamlucky13
Thu May 23, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 64
Views: 5882

Re: Vanguard issues 10-year forecast for stock, bond market returns

What to do in this situation? International returns prediction seems ok. What do they mean by this, as most total market indexes I have seen include a large portion of U.S is this still 'international' or would it be world ex U.S? The same thing you did in January when Vanguard released a similar r...
by iamlucky13
Wed May 22, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 49
Views: 2810

Re: Expensive front load washer/dryer worth it?

Does anyone have any experience with condensing/ventless dryers? How well they dry, and how long clothes last? I had several terrible experiences during work trips to Europe. Over several trips that cumulatively added up to multiple months, using combo washing machine + ventless driers in one, I ca...
by iamlucky13
Wed May 22, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2303

Re: Compound miter saw recommendation

Couldn't disagree more. Take the DeWalt saw as an example. The standard 12 inch mitre saw is $400. The compound, dual bevel, sliding saw is $550. An absolute no-brainer in my book. In my 10+ years in carpentry, I was forced to use a non sliding, single bevel saw a handful of times and cursed those ...
by iamlucky13
Tue May 21, 2019 1:28 am
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3119

Re: Convince me that a 529 plan is a good idea.

I'll be back to try to answer some. But, thank you for posting some of the #'s. My issue is how do you qualify the risk of not using the funding for college because sometime in the next 20 years college becomes free. What about the risk of having $300,000 tied up in college costs that you can't tou...
by iamlucky13
Tue May 21, 2019 1:02 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 3927

Re: Arc'teryx - Anyone else here splurge?

Yes and no. I buy gear in that price range, and I think I probably own some Arc'teryx, although I can't think of specifically what off hand. I'm not on any one brand bandwagon. I also currently don't have any specific go-to place to buy brands like Arc'teryx. I haven't bothered going into an REI sin...
by iamlucky13
Mon May 20, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2303

Re: Compound miter saw recommendation

^ Admiral is a new Harbor Freight brand. The metal pieces that are visible look similar or identical to their Chicago Electric brand, so it appears to me as an attempt to shake the mixed reputation Chicago Electric has by rebranding and changing the color scheme - some Chicago Electric tools are goo...
by iamlucky13
Mon May 20, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Disposing of Residential Landscaping Rocks, Concrete, etc...
Replies: 22
Views: 1814

Re: Disposing of Residential Landscaping Rocks, Concrete, etc...

There are several topsoil yards in the greater area around me that take concrete, rocks, and fill dirt for a much lower price than the county transfer station. Different yards take different materials. If you have a way to transport it, I would search your area for soil suppliers, and call to ask if...
by iamlucky13
Mon May 20, 2019 1:20 am
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2303

Re: Compound miter saw recommendation

Thanks everyone. Another question is if the sliding feature worth it? For simple projects it doesn't look necessary. I'll be a contrarian and recommend specifically not getting a sliding saw unless you have a reasonable expectation of cutting lumber large enough to require the feature, and doing so...
by iamlucky13
Fri May 17, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2303

Re: Compound miter saw recommendation

Your needs sound simple. For doing trim work or furniture, you would want a saw with very good joints to help minimize deflection while cutting to ensure precision, and the adjustments necessary to square everything up. For making planter beds and gardening tables or other general construction type ...
by iamlucky13
Thu May 16, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 17
Views: 1533

Re: Usefullness of 2 in 1 laptops?

I have given my 2-in-1 laptop a couple tries in the tablet configuration, and never found any appeal to it. I don't use tablets much in general, and the weight makes it less favorable than a dedicated tablet for that sort of use. I also didn't bother to buy the pen accessory, so I can't comment on t...
by iamlucky13
Thu May 16, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1824

Re: More car buying advice

If the accident reported by Carfax was not disclosed by the seller, it's a good basis to make a lower offer. I sympathize with the limited manual transmission options. I'm currently debating spending money to fix a few issues I've been putting off on my car, which has 225,000 miles on it, versus buy...
by iamlucky13
Thu May 16, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1824

Re: More car buying advice

Ski industry = snow driving? A Mazda3 in the hills/mountains/snow. Hmmm. I'm picturing you trying to get through snow. Maybe ski industry doesn't mean you ski and get to the slopes yourself ... How about an AWD? Used CrossTrek? Forester? Escape AWD? I like baby stepping up to a $10k car. Use your c...
by iamlucky13
Wed May 15, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Calling online bank to ask for a bonus?
Replies: 8
Views: 927

Re: Calling online bank to ask for a bonus?

Why should they give a bonus? They are being flooded with money. Because giving bonuses is part of how banks are getting themselves flooded with money right now. Every month I get a new offer from Chase, for example. I keep sticking them in my to-do folder, but never having any urgency to actually ...
by iamlucky13
Wed May 15, 2019 1:45 am
Forum: Personal Consumer Issues
Topic: What is this collection device?
Replies: 12
Views: 1929

Re: What is this collection device?

It's got all the signs of publicly funded art:

- No discernible purpose
- Conflict between form and medium - a means of figurative abstraction or some other art critic-like buzz words
- Most importantly, unattractive to look at
by iamlucky13
Tue May 14, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Calling online bank to ask for a bonus?
Replies: 8
Views: 927

Re: Calling online bank to ask for a bonus?

Why should they give a bonus? They are being flooded with money. Because giving bonuses is part of how banks are getting themselves flooded with money right now. Every month I get a new offer from Chase, for example. I keep sticking them in my to-do folder, but never having any urgency to actually ...
by iamlucky13
Tue May 14, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4013

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

No. It's because their merchant service provider charges them typically a base fee and a percentage fee that often are a major chunk of their profit margin. As a percentage, the number sounds small, but if you're a small business owner with a net margin of 20%, it literally can be as significant as...
by iamlucky13
Tue May 14, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3924

Re: Instant Coffee?

Nescafe Taster's Choice Freeze Dried Coffee I tried this in the past as a consistently-recommended "less bad" instant coffee that I could keep at work. I'm not picky about coffee (I prefer the gourmet stuff, but have never turned up my nose at Yuban or Folgers), but I found it a very poor substitut...
by iamlucky13
Tue May 14, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4013

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

Although the OP hasn't responded back, I suspect they hold similar thoughts to what I used to, so I thought I'd respond to some of the discussion beyond the scope of the question: Why would you have so many loans if you don’t like credit cards? The only reasons I can think of to explain not liking c...
by iamlucky13
Tue May 14, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 1908

Re: Heating with propane?? Good idea?

More on the side-topic about why heat pumps feel cooler at the same temperature: It's not due to leakage. That is simply an efficiency loss that applies to any ducted heat source. And although heat pumps run longer, they also run at lower flow rates, and if the ducting was sized for an auxiliary hea...
by iamlucky13
Tue May 14, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2335

Re: PSA: Do you have working carbon monoxide detectors?

I guess I should take this thread as a reminder: Our CO detector decided to start issuing a malfunction chirp recently. Just like fire alarms, it only does this in the middle of the night. According to the label, the chirp sequence was not a low battery, but a failed self-diagnostic. Since we were d...
by iamlucky13
Tue May 14, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3119

Re: Police and Troopers fund.

If I get a call, and I don't recognize the number, I let it go to voicemail. If I get a call, and I do recognize the number, I still let it go to voicemail. Do you ever check your voicemail? Of course not, I'm a millennial. :wink: Fair response. In seriousness, though, I'm also a millennial, and at...
by iamlucky13
Tue May 14, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3119

Re: Police and Troopers fund.

Please do NOT feel guilty. Legitimate charities understand cold calling results in a low rate of donations, and as long as you aren't rude, it shouldn't bother them. But as others have indicated, a lot (probably most) of these calls are not legitimate - the FTC even has a webpage specifically on the...
by iamlucky13
Mon May 13, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4013

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

If so could you name what kind of loans you do have? I have three personal loans and wonder if this is enough. Other loans are probably ok. I had no loans and a bad score. I was able to avoid formal student loans (just a small loan under the table from my grandparents) and didn't have a credit card...
by iamlucky13
Mon May 13, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Kill Bermuda grass without chemicals
Replies: 15
Views: 1336

Re: Kill Bermuda grass without chemicals

Orange oil is supposedly a natural weed killer. I doubt it would permanently knock back Bermuda. The issue with Bermuda is it is very deep rooted. Roots can go several feet down. Round up is probably the only thing that really kills it. Just use it sparingly and wear gloves. You should be fine. I w...
by iamlucky13
Mon May 13, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 1908

Re: Heating with propane?? Good idea?

In recent years, based both on figures shared around the web for installation cost and performance, and based on recommendations published by others, it has appeared to me ground source heat pumps have long enough payback periods compared to air source heat pumps, especially the newer variable speed...
by iamlucky13
Mon May 13, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1534

Re: Internet speed recommendation

I did fine with 6 mbps download/1 mbps upload. Then my carrier boosted the minimum to 12 mbps down/2 mbps up with no fee increase. Still doing fine. If you upload huge files frequently, that might be a consideration. Technically 12/2 isn't even broadband, the FCC defines broadband as at least 25 mb...
by iamlucky13
Mon May 13, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1534

Re: Internet speed recommendation

I currently watch Netflix on an unreliable 3 Mbps connection on a 51" screen. I'm sure an image quality difference would be discernible on a better connection (I know it would be better on the hot days when Frontier's poor quality equipment chokes and compression artifacts become visible as the spee...
by iamlucky13
Sun May 12, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Kill Bermuda grass without chemicals
Replies: 15
Views: 1336

Re: Kill Bermuda grass without chemicals

Ammoniated soaps will, like concentrated (aka agricultural) vinegar, kill the tops of the weeds basically by chemical burn. I don't know how those who decide things like this concluded that makes it not a "chemical", although it is true that it is a different sort of chemical effect than glyphosate....
by iamlucky13
Wed May 08, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Goodman HVAC System
Replies: 21
Views: 1935

Re: Goodman HVAC System

I have a Goodman SSZ16 heat pump installed by a Goodman certified installer in the fall of 2011. During the first month or two of use, the condenser fan died. The installer took the opportunity of being called out on short notice to gripe about his experience with declining quality of Goodman. He wa...
by iamlucky13
Tue May 07, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2011

Re: Backpacking/study abroad for young folks

My experience at a university that strongly promoted its study abroad program was that study abroad works better for some majors than others. Engineering is a major with a packed curriculum, and because engineering classes were not offered abroad, I would have basically been able to complete only on...
by iamlucky13
Tue May 07, 2019 3:36 pm
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 23
Views: 1900

Re: Has anyone invested in marijuana stocks?

I have not. I'm not averse to setting aside a small percentage of play money, but prefer to do so in line with the occasionally offered advice to pick industries that interest you. I also consider this industry particularly risky because it's founded on selling a product that is illegal in all 50 Un...
by iamlucky13
Sat May 04, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10855

Re: Rarely used items that are worth having?

Pacific NW resident here. This occurred to me today while driving home:

Sunglasses
by iamlucky13
Wed May 01, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 666

Re: Defective audio port on new laptop

It is unusual for the sound port to be the only thing that is bad. Actually, the simplest explanation for the described issue is either a bad solder joint on one of the 3 contacts for the port, or one of the spring contacts inside the jack is deformed. But I still prefer option 1, because a USB ada...
by iamlucky13
Mon Apr 29, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 4800

Re: Target Date Funds doing it backwards?

See my signature. :) +1. TDF is perfect for those who do not want to understanding investing. Or those who do not YET understand investing. :wink: Or DO understand investing and TDFs are still "good enough" for them! I have proposed basically that to a few acquaintances, but it seems like most peop...
by iamlucky13
Mon Apr 29, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 5492

Re: Is factor-based small-value/Fama-French tilting worth it?

There's lots of past debates on this topic on Bogleheads that you can search for. There is no consensus, but I'd say most prefer not to tilt. The recent market performance does not tend to support tilting, but that doesn't mean the premium has been eliminated. It does, however, show that if you are ...
by iamlucky13
Mon Apr 29, 2019 3:20 am
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 223
Views: 25859

Re: LED lightbulbs

I find it pretty frustrating that most bulb manufacturers don't seem to include the CRI on the package. Well, then the "good" news is that CRI isn't really as meaningful as one might hope. For one thing, the color references used in that standard are all desaturated, and there are several other pro...
by iamlucky13
Mon Apr 29, 2019 3:11 am
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 223
Views: 25859

Re: LED lightbulbs

I find it pretty frustrating that most bulb manufacturers don't seem to include the CRI on the package. In general, LEDs make shopping for bulbs really hard. With incandescents, all we had to do was pick the wattage (for the standard bulb size). Didn't really have to worry about dimmable, color tem...
by iamlucky13
Wed Apr 24, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3517

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

And nasa specs for a tire shop? Guy probably gets paid close to min wage, at the place I last got tires, they were talking about how they got paid per car... Ie... Fast time - more money... Not some govt job with salary and benefits... Not NASA specs. NASA research about how accurate different meth...
by iamlucky13
Tue Apr 23, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5180

Re: In which companies do you own a single share, or token amount, of stock?

I have 4.129 shares of Wabtec, shares spun off by a business deal involving Wabtec and GE. I was just trying to remember the name of it after seeing the thread title. Thanks! I have exactly 1 share of Wabtec due to the spin-off. I guess I should go ahead and sell that since I don't have a reason to...
by iamlucky13
Tue Apr 23, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86903

Re: "S&P 500 Index closes at record high"

Today's close is an anecdote, but it is one that is consistent with the long term data trend. It's nice to see, but I don't view any given stock market record with any sense of finality.
by iamlucky13
Tue Apr 23, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3517

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Believe it or not, NASA has studied this and verified is true! Experienced mechanics can achieve more consistent bolt tension by feel than clicker-type torque wrenches. How does that work in practice? You just hired a new mechanic - how do you calibrate him so his 100 ft lbs is the same as the next...
by iamlucky13
Tue Apr 23, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3517

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Someone who wrenches regularly will have a good feel for proper tightening torque and can skip a torque wrench. I'll only use a torque wrench for fasteners that need to be incredibly tight (main bearing cap bolts, rod cap nuts, head bolts) or are squeezing a soft material (oil pans, valve covers.) ...
by iamlucky13
Mon Apr 22, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Is the Subaru Outback a safe car?
Replies: 9
Views: 1218

Re: Is the Subaru Outback a safe car?

Boglefacts rates Informed for Life's claim as "highly suspect." Outbacks perform well in IIHS and NHTSA crash tests. That is noted on the Informed for Life page. They claim a higher death rate than average, but don't cite their source or attempt to explain the disconnect between their claimed death ...
by iamlucky13
Mon Apr 22, 2019 1:16 am
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 44
Views: 5137

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

If you need something to fit the hole to the right, then it's time to get a new toothbrush and retire the old one to cleaning duties.

My first instinct would be to try scrubbing it with scouring powder or baking soda.
by iamlucky13
Sun Apr 21, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3612

Re: update 70s kitchen or nah?

While most remodels do not pay for themselves, if I'm remembering right (I'm sure numerous studies on this are easy to look up), if it deals with a kitchen or bathroom that is truly worn out, it very well may pay for itself, because that can be such a deterrent to buyers. That's sounds to me like th...
by iamlucky13
Fri Apr 19, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3624

Re: Windows 7 end of support - Jan 14, 2020

If something is connected to the Internet and runs Windows, it should run windows 10, period full stop. Running windows 7 means your computer is likely to be the Typhoid Mary of your network and networks around you. It's also far more likely to be taken over by malware, ransomware, or just general ...
by iamlucky13
Thu Apr 18, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7255

Re: Dissuade me from buying art [Kauai]

Seems to me that you are doing a great job saving for your future. It is also important to enjoy the journey so if you and your wife love the paintings I think that you should buy them. Spending money is something that I seriously struggle with. At what point is it okay to loosen the purse strings?...
by iamlucky13
Thu Apr 18, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3624

Re: Windows 7 end of support - Jan 14, 2020

To borrow a phrase, "they'll have to pry Windows 7 out of my cold, dead hands." Windows 10 is an abomination. Nah. Windows 10 is ok. Windows 8 was the abomination. There are definitely unnecessary changes for the sake of change that don't benefit the user (As usual, Microsoft is Apple's best salesm...
by iamlucky13
Thu Apr 18, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1532

Re: Controlling Ivy on walls

Cut it off at the base. It has a starting point somewhere in the ground. Find that, cut that branch at the base. The vines will die right on your wall, even if you don't pull them off. It's a great analogy for so many things in life ! Yes - absolutely works best. Of course, if the base is on the ne...