Search found 1881 matches

by iamlucky13
Wed Jul 08, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Tom Clancy series book recommendations
Replies: 10
Views: 800

Re: Tom Clancy series book recommendations

Almost forgot - Ludlum's Bourne series are on my reading list, too. I've seen the movies, and based on my usual reaction to movies derived from books, and comments from those who have read the books, I'm pretty sure I need to read these.
by iamlucky13
Wed Jul 08, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Tom Clancy series book recommendations
Replies: 10
Views: 800

Re: Tom Clancy series book recommendations

There have been a number of authors since Tom Clancy passed away. I enjoyed the books he wrote and would like to continue the genre. Any recommendations on the books written by any recent author (s) of the series will be appreciated. I'm not sure any of the ghost-written Clancy series were good eno...
by iamlucky13
Wed Jul 08, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Toyota OEM parts
Replies: 29
Views: 1510

Re: Toyota OEM parts

rockauto.com I don't understand all the Rockauto responses for OEM parts. I can almost never find OEM parts on Rockauto - routine things like a water pump, etc. Maybe an oil filter for some brands, but that's about it. What are some OEM parts people are buying on Rockauto? A lot of the common OE pa...
by iamlucky13
Wed Jul 08, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Toyota OEM parts
Replies: 29
Views: 1510

Re: Toyota OEM parts

rockauto.com I don't understand all the Rockauto responses for OEM parts. I can almost never find OEM parts on Rockauto - routine things like a water pump, etc. Maybe an oil filter for some brands, but that's about it. What are some OEM parts people are buying on Rockauto? A lot of the common OE pa...
by iamlucky13
Wed Jul 08, 2020 3:34 am
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1237

Re: Fireproof & waterproof folders or safes for important documents?

Curious...what do people consider "important documents"? I can't think of anything that I have that couldn't be replaced by the issuer. Anyway, if I was very worried about something, I'd get a safe deposit box for it I suppose. birth certificates, social security cards, passports, etc. stuff that's...
by iamlucky13
Tue Jul 07, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: $20,000 solar investment in PA worth it?
Replies: 22
Views: 1528

Re: $20,000 solar investment in PA worth it?

Who knows what the future will hold for power prices? Net-metering legislation? Solar recs? My estimates use the current numbers. Thoughts? My overall thought is it looks like this installation makes a lot of sense for you: 10-12 year simple payback on a system where the panels should last at least...
by iamlucky13
Tue Jul 07, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1237

Re: Fireproof & waterproof folders or safes for important documents?

Might be worth it to buy a safe just to have a place for me to keep all those things. I can never find my birth certificate when I need it. I lost my SS Card when I was like 12 though and haven't had one since. paper docs won't last long in a "fireproof" safe in a good fire - maybe in a small one b...
by iamlucky13
Tue Jul 07, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 76
Views: 5373

Re: How would permanent WFH reshape Silicon Valley?

The 1918 pandemic was a very different type of event and occurred in a very different world. Although the world was less globally integrated and that limited the speed at which the pandemic spread, it still quickly became a global crisis. .... So while the 1918 flu did occur in a different world in...
by iamlucky13
Tue Jul 07, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1237

Re: Fireproof & waterproof folders or safes for important documents?

This is not a recommendation, per se, and I certainly have not put it to the test, but I'm using one of the ubiquitous small Sentry safes - holds regular sized documents and a few small family keepsakes, can be stored out of site, and will likely protect my goods against most fires or floods and som...
by iamlucky13
Tue Jul 07, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 76
Views: 5373

Re: How would permanent WFH reshape Silicon Valley?

Some of the "older" workers that are 60 and over are struggling at home. They are stuck in their old ways. .... People that aren't productive at home are the same people who aren't productive in the office. It doesn't change anything. I'm not an older worker. Since my first job out of college I hav...
by iamlucky13
Tue Jul 07, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 76
Views: 5373

Re: How would permanent WFH reshape Silicon Valley?

The question as posed is speculative, but your decision can be kept to more concrete considerations. I think the first thing to ask is whether it matters. Will your plans to move there change if there is an expected decrease in housing prices? I suppose the main concern is if you plan to buy a home ...
by iamlucky13
Mon Jul 06, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: 3G sucks, what are my options?
Replies: 20
Views: 1240

Re: 3G sucks, what are my options?

What about getting DSL (or whatever other cheap wired internet is available)? This won't be the cheapest option for just yourself, but if the renting you described is as a vacation rental by owner, having WiFi available might help you keep the place booked consistently enough to cover the cost. TV's...
by iamlucky13
Mon Jul 06, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5534

Re: Boglehead Way to buy an Audi

When my good neighbor friend, whose wife drives a Q7, said just a battery replacement cost $400 because it is hilariously located under the driver's seat , I was done with the idea. I can't speak to the first-gen Q7, but I have a second-gen in my driveway right now, and the bolded statement is utte...
by iamlucky13
Sun Jul 05, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5534

Re: Boglehead Way to buy an Audi

The most Boglehead way to buy is buy and hold as part of a diversified portfolio...which doesn't really mean much for car shopping. There is no Boglehead way to buy a car. There are cost-effective ways to buy cars, which I'm sure is what you're asking about. The luxury brands tend to have higher ini...
by iamlucky13
Thu Jul 02, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 77
Views: 5458

Re: Thought about buying a small motor home, but the market is crazy

I probably shouldn't even comment on this post because I just don't get why anyone would buy an RV unless they are retired and going on multi-month vacations. You're exactly right. It doesn't make financial sense for travel up to at least a month out of the year unless you get a screaming good pric...
by iamlucky13
Thu Jul 02, 2020 12:32 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 77
Views: 5458

Re: Thought about buying a small motor home, but the market is crazy

I share the widespread suspicion that either next year, or maybe the year after, a lot of people who really aren't very seriously into RV ownership, but who were desperate to find new vacation options this year, will be selling RV's they are buying now but won't use very much. Sounds like you're in ...
by iamlucky13
Tue Jun 30, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: At what point can you justify a $10k+ flight?
Replies: 75
Views: 4601

Re: At what point can you justify a $10k+ flight?

I have two thoughts: (1) Value perspective: For discretionary expenses, I often think about how much I have to work to pay for the expense, and whether it would worth doing that much extra work to pay for it. My employer has paid for business class flights for me before, and while it was definitely ...
by iamlucky13
Mon Jun 29, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Building a raised garden bed with corrugating metal roof panels
Replies: 6
Views: 546

Re: Building a raised garden bed with corrugating metal roof panels

2 years is really short for cedar. Strange. I spent several hours researching, including reading actual science papers. Per forum policy, I will limit the discussion to what I learned about effects on the plants, and effectiveness at preservation. I used treated lumber...Actually, I treated it mysel...
by iamlucky13
Sun Jun 28, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Heat pump/ac using 4 kWh - how do I fix this?
Replies: 50
Views: 1961

Re: Heat pump/ac using 4 kWh - how do I fix this?

Are you assuming it is running continuously, or did you base that $10 per day on actual number of hours per day? While a heat pump should not be oversized, if it is running continously, something is wrong, and you would likely be experiencing almost daily instances when the AC can not keep the tempe...
by iamlucky13
Fri Jun 26, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Buying a house - survey necessary?
Replies: 32
Views: 2448

Re: Buying a house - survey necessary?

No fence is allowed in this community. However, my broker advised me to do so, so is my lawyer, though it's a cash deal. Arggggh! If you can find official corner markers, the survey would not do much except confirm they haven't been tampered with (which would be a crime). I think it's low risk, but...
by iamlucky13
Thu Jun 25, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 2967

Re: Study claims active management better than benchmarks

Hey, Rick Ferri, why not invite them to defend the study in a podcast? Because they are probably correct. Fama-French also found that before costs, the "trades" active fund managers made did outperform by a slim margin. The problem was net-of-fees they underperformed. Rick Ferri I supposed I need t...
by iamlucky13
Wed Jun 24, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11428

Re: What is the single best piece of exercise equipment you bought for your home?

A Collings Axe splitting Maul. It's held together nicely, has a nice edge that's easy to sharpen and has served to allow me to exercise and strengthen a variety of muscles while generating cords of split, stacked fire wood. I paid $27 for it at the local hardware store. I went with a Fiskars splitt...
by iamlucky13
Mon Jun 22, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5068

Re: Restaurants recommendations

As far as I've observed, to many who grew up in California and moved out of state, it's a taste of home when they return, so they have to get it. To many who visit California, it's a taste of returning a place where they had a great vacation, etc. For the rest, yes I suppose it's a cultural phenome...
by iamlucky13
Mon Jun 22, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5068

Re: Restaurants recommendations

Never understood the In 'n Out hype. Nothing special at all to me the few times I've been there. I think there are many better burger places in the US. I agree and thought I was the only one. Believe me, you aren't. Grew up in LA, I just don't get it and neither does almost all my family. When I mo...
by iamlucky13
Mon Jun 22, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Letting my company know I'm looking?
Replies: 43
Views: 4773

Re: Letting my company know I'm looking?

If you don't want to burn bridges because you might want to come back if the future situation warrants it, then a generic, "Based on what you've shared about the company situation, it seems prudent to keep an eye out for good opportunities in case business doesn't start looking up as August approach...
by iamlucky13
Mon Jun 22, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

explain like I'm 5. I tried googling MSU with no usable result. Perhaps I was being a little snarky about the use of the acronym. I only learned ELI5 a few weeks ago on another thread. I could go on but already apologize for taking the thread off topic. Most online communities in general need bette...
by iamlucky13
Mon Jun 22, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Windows 7 Extended Security Updates, to January 2023
Replies: 17
Views: 1375

Re: Windows 7 Extended Security Updates, to January 2023

When it pulls tricks like it did last week, where a crash reverted my saved work to some previous revision and emptied the Autosave cache, then it can easily be several times as much lost time. What application were you using? Windows doesn't auto-save your work, your application (Word, Excel, etc....
by iamlucky13
Mon Jun 22, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Windows 7 Extended Security Updates, to January 2023
Replies: 17
Views: 1375

Re: Windows 7 Extended Security Updates, to January 2023

I just don't get the desire to hold onto an OS from 2009 at this point. Most of the major complaints about Windows 10 have been addressed in the 5 years or so since release. Of course it's not perfect, but in my experience it runs very well. Companies some times have applications that have been mod...
by iamlucky13
Mon Jun 22, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5068

Re: Restaurants recommendations

For chain's that aren't as widely known but are worth mentioning, I like P.F. Chang's. The street noodles and the salt and pepper prawns are a couple of my favorites (and I liked the spicy chicken noodle soup they used to have), plus they have many of the regular items that most Chinese restaurants ...
by iamlucky13
Fri Jun 19, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 118
Views: 11041

Re: Capital One is at it again

AThe periodic existing customer bonuses are the reason to maintain accounts with them. This will be the second bonus I've gotten for keeping $50k for 3 months in Performance Savings in less than a year. As for promos - the existing customers are targeted and I was not. Ally and Marcus offers are ge...
by iamlucky13
Fri Jun 19, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Fire Pits: Solo Stove vs. Breeo
Replies: 20
Views: 1550

Re: Fire Pits: Solo Stove vs. Breeo

Funny - I was flipping through various news channels this morning (in an effort to hear All sides) and one of them had something like this on it. Not sure which of the two models it was but a " Smokeless " pit sounded awesome to me if they really work! Will be following this thread. We grow tired o...
by iamlucky13
Fri Jun 19, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I tend to dress like a homeless person on the weekends. I was looking at cars and a salesman took my dress to mean I couldn't afford a car wash, let alone a new car. He asked for any proof I could afford the car. I opened my Fidelity account and showed him the 7 figure balance. He nearly fell over ...
by iamlucky13
Fri Jun 19, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

That said, I think the risk of missing out on a better bid to any individual home for sale is likely to be pretty low - maybe single digit percentages. Because of the amount that bids can vary by, however, to those few sales it does affect, the resulting price difference could be considerable. And ...
by iamlucky13
Fri Jun 19, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Fire Pits: Solo Stove vs. Breeo
Replies: 20
Views: 1550

Re: Fire Pits: Solo Stove vs. Breeo

We have the Solo Stove, I think it's the Bonfire size. Burns very hot, little smoke, and almost no ash at the end. I would say the heat is more vertical than horizontal, so you may sit a little closer than expected. We have it on our deck, works great. worried about the deck too. we have Azec/Trex ...
by iamlucky13
Fri Jun 19, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Hypothetically, any one of the interested parties who choose to view or not to view the home could be the highest bidder. You'll never know for any individual sale, but on average, reducing the pool of prospective buyers should be expected to reduce the average price. It might be a low risk that on...
by iamlucky13
Thu Jun 18, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Wish we had required this. We got locked in with a woman for months who kept saying she would/could get the money. It never happened. wasted months and lost money. By locked in, I take you to mean that you accepted a contingent offer without a preapproval as evidence the contingency could be fulfil...
by iamlucky13
Thu Jun 18, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5614

Re: "Is this time different?"

I had a lot I was going to say, but it seems most of it has been said. My main take is that the specific scenario is different, but the levels of risk do not appear to be. I actually agree with Mr. Grantham's pessimistic view of the current market situation (I'm not familiar with his past, failed pr...
by iamlucky13
Thu Jun 18, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Your agent is saying this applies generally or only for one specific property? Letting someone view the property isn't quite as straightforward as before COVID, so perhaps that's at least part of it. But the requirements do sound a bit over the top. If it's just one seller doing this, maybe stay aw...
by iamlucky13
Wed Jun 17, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2469

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

It's hard to predict the reliability of older machines, but if in good condition, it could give years of low cost service. On the other hand, it could require enough time and effort to keep working well that it ends up discouraging you from doing the tasks you want to accomplish with it. Your 1 year...
by iamlucky13
Tue Jun 16, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2783
Views: 220074

Re: Refinance Mega Thread

these rates are starting to get insane. Started at a UWM broker, had LenderFi beat them, brought it to Better and here I am. +2500 AMEX is the icing. https://imgur.com/a/DPfMq1y Wow...I'm just getting started, and apparently I need to spend some time reading back through this thread. The most popul...
by iamlucky13
Mon Jun 15, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: OBD2 scanner?
Replies: 28
Views: 1704

Re: OBD2 scanner?

Except for Volkswagen, the primary purpose of on board diagnostics is to identify that a fault has occurred that could impact vehicle emissions. I think some states (not mine) even read the DTC codes as part of the inspection process. It doesn't always point to which repair needs to be done and fur...
by iamlucky13
Fri Jun 12, 2020 1:49 am
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3030

Re: 2 cars, one driver. Should I sell one?

The cars are not significantly different functionally. While they have depreciated significantly, they will continue to depreciate more. How much money is convenience of not needing a rental on rare occasions really worth to you? I'd sell whichever you less prefer to drive, and not bother buying ano...
by iamlucky13
Thu Jun 11, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Best car between $15,000 and $20,000?
Replies: 29
Views: 2598

Re: Best car between $15,000 and $20,000?

The base trim Civic or Corolla are regular favorites. The current generation Civic gets pretty regularly ranked 1st by car magazines for driving experience and features, but has been raising some concerns among owners due to a couple reliability issues. The most commonly voiced concern is about the ...
by iamlucky13
Wed Jun 10, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: How long do blu-ray discs last?
Replies: 13
Views: 984

Re: How long do blu-ray discs last?

If these are commercially produced media in good condition they'll last until blu-ray players are long gone. If they're homemade recordable blu rays, which it doesn't sound like they are, then 10 years would surprise me. Keep them if you will actually watch them. Don't keep them just for their perc...
by iamlucky13
Tue Jun 09, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24565

Re: What fun car should I get in the $150k - $200k range?

Well this is quite the popular thread. I might have to bookmark this thread as a case study of the range of Bogleheads personalities. I'm only part way through it, and it is fascinating, as long as I set aside my personal opinions about many of the posts, and simply reflect on what they suggest abou...
by iamlucky13
Tue Jun 09, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5376

Re: What happens to all my digitized photos when I die?

I'm fairly young and should have time on this, but just in case, it has been my intention to get started soon, and keep up with it going forward. My plan is: 1.) Be a realistic critic and delete the photos that don't have significant meaning. Yes, I have some photos of places and things that I'm par...
by iamlucky13
Tue Jun 09, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 9943

Re: Dave Ramsey mentioned bogleheads today

What about the guy with 999,000 who could have been a millionaire with lower fees, though? The number you noted is $1000 short of a million, but if the fee is 1 percentage point higher than it could be, it's actually a $10,000 difference...for that single year. And if our investor is earning the re...
by iamlucky13
Mon Jun 08, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: New car
Replies: 28
Views: 2604

Re: New car

People on this site buy brand-new cars? not only that, some people think that buying new is cheaper than buying old....i need to get a drink lol Over the life of the car, the extra cost of buying new works out to be relatively small. For some makes that hold their resale value well, like Honda and ...
by iamlucky13
Fri Jun 05, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Used cars
Replies: 45
Views: 4361

Re: Used cars

There have been some comments recently in other thread that the Honda quality may not be as good as it was 10 years ago so you might also research that. Sort of. There are two specific issues I know of getting a fair amount of attention on the 10th generation Civic. I haven't tracked back to see if...
by iamlucky13
Thu Jun 04, 2020 10:12 pm
Forum: Investing - Theory, News & General
Topic: Foresight question: did YOU make a killing on NECCO Sweethearts candy?
Replies: 51
Views: 6264

Re: Foresight question: did YOU make a killing on NECCO Sweethearts candy?

They just started making them again. They're supposed to begin appearing in many drug stores (i.e. Walgreens) and other places this month. Come for the investing advice, stay for the candy availability tips. The current outlook is hold. Candy investors should consider their next major buying opport...