Search found 1480 matches

by iamlucky13
Sat Nov 16, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Gaming Desktop
Replies: 45
Views: 2839

Re: Gaming Desktop

Integrated graphics on the current i3 and up and the AMD equivalents should be fine for Starcraft 2 and Diablo 3, which have fairly similar system requirements. I played Starcraft 2 for several months back in 2014 or so while watching sales on discrete graphics cards. I did have to turn lighting and...
by iamlucky13
Thu Nov 14, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4827

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I was responding to the point about the law , not anything else. I should hope my underlining of the specific claim was adequate to communicate that, but evidently it wasn't. Any suggestions about how I should express such a response to some poster's specific point in the future to avoid giving any...
by iamlucky13
Thu Nov 14, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4827

Re: (Sigh) "Wasting" year-old smoke detector batteries...

... No law says you have to dutifully replace them every year. ... Former New Jersey governor Jon Corzine, later CEO of MF Global , thought the laws didn't apply to him. Then he found out the laws of physics most certainly do apply to him . Who wants to be the deceased family about whom the fire de...
by iamlucky13
Thu Nov 14, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2777

Re: Garage Generator Install

At the most basic level, this is a fuel burning appliance inside a building. Just like a furnace or wood stove, this has risks, but it should be possible to address those risks, and while I don't know any details, I have seen generators installed indoors in commercial applications. As an installed a...
by iamlucky13
Thu Nov 14, 2019 2:10 am
Forum: Personal Investments
Topic: CapitalOne 360 performance offer
Replies: 9
Views: 1191

Re: CapitalOne 360 performance offer

I am offered an "exclusive" ! (I don't believe that for an instant) Well, if it makes you feel any better, I'm excluded. As a faithful long term member (before it was CapitalOne), they reward me by spending the money they earn with my deposits on people who churn promotional offers. Check my math a...
by iamlucky13
Wed Nov 13, 2019 3:40 am
Forum: Investing - Theory, News & General
Topic: Defined contribution vs defined benefit retirement plans
Replies: 12
Views: 538

Re: Defined contribution vs defined benefit retirement plans

Doesn't inflation also tend to have a different effect on defined contribution outcomes than defined benefit outcomes?
by iamlucky13
Tue Nov 12, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Carbon Monoxide Alarms
Replies: 16
Views: 1221

Re: Carbon Monoxide Alarms

Our city requires CO sensors outside all sleeping areas. How likely can dangerous fumes travel thru air ducts. With my gas furnace in the garage, wouldn't a sensor next to it make more sense? Gotta ask - your city tells you what to do, you question it, so you come to Bogleheads? Because we'd know b...
by iamlucky13
Tue Nov 12, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4827

Re: (Sigh) "Wasting" year-old smoke detector batteries...

its not just smoke detectors, need to replace batteries in the thermostat too every Fall (for heat). I'd hate for it to quit while not home, then the furnace doesn't kick on and pipes freeze, all to save $2 on not replacing batteries each year. Those are AAA or AA though. I don't get the 9v thing, ...
by iamlucky13
Tue Nov 12, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: How does receiving ACA subsidies work?
Replies: 5
Views: 419

Re: How does receiving ACA subsidies work?

In Washington, you can elect when you sign up via the state marketplace whether to have the subsidy applied to your bill up front, or to claim the subsidy at the end of the year when filing your taxes. If your financial circumstances change during the year, you would settle the resulting difference ...
by iamlucky13
Thu Nov 07, 2019 2:40 am
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 6850

Re: "Beer Money" Methods

Since it is sometimes an option for me: Overtime at work. I probably over-complicate things a little bit, but I tried the promotional bank account gig once so far, and while probably worth it compared to my pay rate, I doubt it was a big gain considering the time spent: Reading the terms and user ag...
by iamlucky13
Thu Nov 07, 2019 2:16 am
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1323

Re: Going small on a Windows PC

Two specs, regardless of vendor: 8GB RAM and 128GB (min) SSD Too small. I'd go for 16G RAM and 1TB SSD (the latter is only $100 these days, no reason to skimp.) It's not too small. Windows 10 will use more if you give it the RAM just because it can, but it seems to be decent about managing limited ...
by iamlucky13
Wed Nov 06, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1321

Re: Do wool dryer balls work?

My mother used tennis balls. My wife and I currently use the expensive wool balls because she wanted to try them. I haven't tried to do a detailed comparison of balls versus softener liquid or sheets, but the mechanism is different - mechanically working the fibers to keep them flexible versus coati...
by iamlucky13
Mon Nov 04, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1031

Re: Portable Lantern

I recommend using a headlamp. The Energizer models that home improvement stores have are one of the better values I've seen. I'll refrain from suggesting the types of headlamp I go for, because you probably won't want to spend that much. If you want area lighting, I'd view it as supplemental to the ...
by iamlucky13
Mon Nov 04, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2970

Re: Should I use a lawyer

Both my son and I are fine since I managed to brake According to all the internet lawyers, statements like "Both my son and I are fine since I managed to brake" are discoverable evidence that might potentially preempt a later finding of an issue that is unnoticed or seemed trivial at first (example...
by iamlucky13
Sun Nov 03, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Phone tech support
Replies: 6
Views: 379

Re: Phone tech support

If I buy an unlocked phone on amazon, where would I go to get the sim card moved from my old phone to the new? Also for other phone support like adding memory or general help in setting up. I don't want to do any of this stuff myself. I want to pay someone to do it. I don't know what type of store ...
by iamlucky13
Thu Oct 31, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1337

Re: APC power backup for extended outages

The easiest answer is conservation: turn your router off and only turn it on when you're actually using the internet. The UPS could be topped off with a medium-size solar panel, except they're not really designed to be used that way. For this limited type of usage, it could actually be simpler and w...
by iamlucky13
Tue Oct 29, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4313

Re: New Computer with or without SSD?

How many actual infections over remote desktop not on a LAN with compromised machines? And for the other notable post-support exploits on XP, how many likewise were not dependent on being on the same LAN as the vulnerable machine or exploiting Internet Explorer, specifically? No idea, as I stopped ...
by iamlucky13
Tue Oct 29, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4313

Re: New Computer with or without SSD?

The really popular OS's like XP and 7 tend to get really thoroughly "tested" by exploiters both because they become the high profile targets and because they remain in use and support for a long time. By the time support finally ends, even assuming there are holes left to exploit, not much effort g...
by iamlucky13
Tue Oct 29, 2019 3:19 am
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3602

Re: Anyone have an issue with Corelle plates?

You do know that the manufacturing processes for new and old Corelle dinnerware are completely different? The same is true of Corningware and Pyrex. I'm aware most Pyrex sold in the US has changed, but am not aware of changes to the Corelle vitrelle formula. I'm not finding mention of this except u...
by iamlucky13
Tue Oct 29, 2019 3:09 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4313

Re: New Computer with or without SSD?

With the end of support for Windows 7 coming in January What support do you need? I've had my Windows 7 computer for 3 years and have never contacted Windows support. On the contrary, I get calls from Microsoft support all the time. The support needed are security update patches. I would not want t...
by iamlucky13
Mon Oct 28, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3602

Re: Anyone have an issue with Corelle plates?

Nope. We broke a few of my parent's pieces growing up, but only because they were dropped on hard floors. As noted, they break spectacularly. We've only got a few Corelleware pieces of our own, but they also seem to hold up well. Not as nice looking or feeling as our fancy Noritake settings, but far...
by iamlucky13
Mon Oct 28, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4313

Re: New Computer with or without SSD?

The best 1:1 comparison I had was a laptop that I upgraded a few years back from a 256 HDD to the cheapest 128 GB SSD from a reasonable reputable brand. If I remember right, the boot time decreased by about 2/3, and the overall responsiveness in general use improved significantly. Part of that was d...
by iamlucky13
Mon Oct 28, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 85
Views: 12531

Re: Tesla Solar Roof

Old thread, same topic (didn't want to start new thread) Anyone have a Tesla solar roof? Reading Marketwatch article Tesla’s solar-roof sales will grow ‘like kelp on steroids,’ Musk vows Oct 28, 2019 Clearly wondering about cost....AND, how they work when covered w/ snow in many areas for XX months...
by iamlucky13
Mon Oct 28, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2904

Re: Furnace air filters

mtmingus wrote:
Mon Oct 28, 2019 8:15 am
What air filters you use for your furnaces?
My contractor told me to stop purchasing these expensive ones from Costco (around $15 a piece), go get some of these cheapest ones from Homedepot.
The "cheap" ones at Home Depot are $15.
by iamlucky13
Fri Oct 25, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5476

Re: Does the Average Homeowner Need a Water Shut Off Valve

Water would indeed drain into the dishwasher from the second floor pipes. So in a one level condo this wouldn’t be an issue? I'd say it would be a lower risk of being an issue. Thinking about it a little more, the second floors isn't the only elevated water in a typical house. In my own house, most...
by iamlucky13
Fri Oct 25, 2019 12:31 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

Unfortunately, most people get their understanding of complex issues like the MAX crashes from the mass media. Often from the headline and maybe the first 2 paragraphs. ... These seem sweeping generalizations ("most people," "Often" and "maybe"), but how do they tie into the OP's asking about buyin...
by iamlucky13
Thu Oct 24, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5476

Re: Does the Average Homeowner Need a Water Shut Off Valve

It seems to me there is a range of likely leak rates it can't deal with because they would match regular use (eg - lawn water is high use, long duration). So I guess it is important to be aware of what level of protection you are getting for the price. Not a bad idea pending more research. We had a ...
by iamlucky13
Thu Oct 24, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

Unfortunately, most people get their understanding of complex issues like the MAX crashes from the mass media. Often from the headline and maybe the first 2 paragraphs. Then even those who do know better what is going on, like the FAA, are bombarded with expectations based on that poor popular under...
by iamlucky13
Thu Oct 24, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 34
Views: 26511

Re: Carpeting-Costco or Home Depot?

I've had good experiences with independent competitors to the big home improvement chains for flooring, counters, and HVAC. Similar or better prices, better knowledge of their product lines, more diligence in quoting accurately, more flexibility scheduling, and good experiences with the actual insta...
by iamlucky13
Wed Oct 23, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

cheese_breath wrote:
Wed Oct 23, 2019 7:28 am
criticalmass is the author of the quote you attributed to me. It appears you took it from one of my posts where I quoted criticalmass.
Sorry about that. I have fixed the attribution in my prior post.
by iamlucky13
Wed Oct 23, 2019 1:23 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

If a company has a bad PR crisis such as Boeing with the 737 max, is that a good time to invest after the stock dips. What are some good things to look at that may help predict if the stock will recover. It's looking like Boeing purposefully hid information that ended up killing hundreds of people....
by iamlucky13
Wed Oct 23, 2019 1:06 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

It is very possible and likely that excellent aviator skills could have overcome a bad design, and just the general knowledge to disconnect the entire trim system (and thus MCAS) during uncommanded/runaway trim may well have prevented the crashes. Or if something bad happens after taking an action ...
by iamlucky13
Wed Oct 23, 2019 12:37 am
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

A company that has a questionable culture may have other really bad things that can come to light and affect the company negatively. On the other hand, Boeing is much larger than selling one aircraft model, or even selling aircraft. Boeing is also more than just the specific controls engineering gr...
by iamlucky13
Tue Oct 22, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 16
Views: 1879

Re: Home Depot and Lowe's product reviews

But I'm trying to buy a simple garden hose, and analyzing the online reviews is so tortuous that I have given up. When the words in bold appear together in the same sentence, it can be a clue it is worth stepping back and re-examining your priorities. Consider the effect called the tyranny of choic...
by iamlucky13
Tue Oct 22, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 16
Views: 1879

Re: Home Depot and Lowe's product reviews

I hadn't noticed external reviews on those two sites, but definitely on some others. Regardless, many reviews on various sites are submitted by people with a history of detailed (usually positive) reviews, who are then identified as people to send free products to for the purpose of reviewing them. ...
by iamlucky13
Fri Oct 18, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3327

Re: Are Really Large Battery Brands Fungible?

It’s an intriguing idea to me to just keep the batteries stored, checking their charge every few months, and then just use them when needed – i.e., plug them in when the power goes out, or plug them in when I’ll be away from the house for several days. I guess the question is then whether the effor...
by iamlucky13
Fri Oct 18, 2019 12:56 am
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3327

Re: Are Really Large Battery Brands Fungible?

It would be possible to have a better idea how your batteries are performing if you have a clamp meter to measure the current they draw in this use. Also, is 12 hours continuous runtime, or cycling on/off? How many times a year or decade do you anticipate these batteries being used? AGM batteries ar...
by iamlucky13
Wed Oct 16, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4462

Re: Good camera system to watch the babysitter

Is it legal in your state to secretly video tape an employee? A minor employee? Or I guess he/she would be an independent contractor. The law has some oddities in this regard. It is legal to video record them in locations where there is not a reasonable expectation of privacy (eg, bathrooms. This i...
by iamlucky13
Wed Oct 16, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6354

Re: car battery change or not? 2 year old battery

1) There is no explicit criteria for when to replace a battery. It is your choice whether to do it pre-emptively based on a suggested criteria like 75% of original CCA, wait until the cranking sounds a little weak, or even wait until the car fails to start (leaving you potentially stranded). 2) The ...
by iamlucky13
Tue Oct 15, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 132
Views: 11947

Re: Isn't lack of transparency in China a huge risk for international stock index?

Yes, I'd call it a risk. However, as noted above, China is 5% of the global market, which limits the impact of holding funds with Chinese stocks in them. I think I'm more concerned about the potential trickle down effect to the US market than the direct effect on my Total International holding. Also...
by iamlucky13
Tue Oct 15, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: $2,467 is a minimum emergency fund
Replies: 36
Views: 7786

Re: $2,467 is a minimum emergency fund

The instinct here is to read this as a decrease relative to what many of us have as emergency funds, an instinct the authors reinforce by comparing it to the 3-6 month advice. However: ...for the average low-income household $2,467 is an increase compared to the majority of Americans who reportedly ...
by iamlucky13
Mon Oct 14, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 3831

Re: I thought Pyrex glass food storage containers were supposed to be durable?

Durable yes. Indestructible, no. The use of tempered glass gives the glassware a lot of resilience, but it also makes it prone to sending chips flying rapidly if it is damaged, or shattering dramatically if exposed to severe temperature shocks. And although I've never had any issues, it seems like a...
by iamlucky13
Mon Oct 14, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5750

Re: How often do you look at your IRA or 401K Balances

I glance monthly to make sure everything is as expected, but can't tell you generally if it's up or down.

I update a spreadsheet of balances annually to check AA and overall progress to plan. If the market makes any major swings, I will check AA more frequently.
by iamlucky13
Sun Oct 13, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3448

Re: Consumer Reports

Consumer Reports reviews are consistent within a product range - same reviewing team, same methodology. That has significant value that user-submitted reviews doesn't provide. On the other hand, user submitted reviews in aggregate can provide a rough sense of overall satisfaction and short-term reli...
by iamlucky13
Sat Oct 12, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4491

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

He also suggested that we apply the parking brake at least monthly to avoid it locking up. A parking brake should not be going anywhere near a month between actuations. I strongly recommend making it a habit to set you brake every time you park. It's a redundancy against human error and against mec...
by iamlucky13
Thu Oct 10, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4491

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

In the picture it looks to me like there is a moderate amount of life left on the pads. Maybe 30-40%? The need for new rotors I can't tell from that angle. There definitely is a lot of corrosion at the edges, though, no doubt thanks to how heavily the roads get salted in much of New York. We don't h...
by iamlucky13
Wed Oct 09, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: John Bogle’s formula says 1% real stock returns likely over next decade
Replies: 187
Views: 19929

Re: John Bogle’s formula says 1% real stock returns likely over next decade

This thread is parallel to numerous others that have looked at CAPE and forecast low returns for the next decade. As far as I've gathered from the past discussions and the explanations from some of the less sensational sources (Vanguard white papers, Larry Swedroe, etc), this shouldn't really be tak...
by iamlucky13
Mon Oct 07, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 9548

Re: Car price ratio to NW

I'd say somewhere between 1% and 100% of net worth, depending on the circumstances, but with some exceptions I can envision outside that range. One of the reasons cash flow is an easier metric to consider than net worth is that net worth changes radically over most people's lives. How do you make a ...
by iamlucky13
Mon Oct 07, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: no head rests on passenger vans?
Replies: 7
Views: 966

Re: no head rests on passenger vans?

Does anyone know if this is a real concern? Am I worried for no good reason? Since these vehicles are sold without head rests, this is presumably legal and safe? (I'm in texas, if that matters) Is this class of vehicle heavy enough that head rests don't appreciably add to safety? Would you consider...
by iamlucky13
Fri Oct 04, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9575

Re: How old is your cellphone?

Flip phone, not quite 2 years old. Not worried about security. The phone is barely capable of even making calls, much less compromising the only information it has access to: my address book. Sometimes it doesn't even make calls, which is absurd, because it's the most expensive phone I've ever bough...