Search found 874 matches

by iamlucky13
Fri Jul 13, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 47
Views: 5094

Re: Be Careful Using Mailboxes

The main point here is concern about mail being stolen from USPS drop boxes. It would arguably be wise to avoid as much as possible placing mail in a drop box after the last pickup for the day. USPS typically lists scheduled times for pickups on the boxes. It seems reasonable to add on, if you're co...
by iamlucky13
Fri Jul 13, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 54
Views: 4335

Re: Is expensive olive oil worth it?

This is interesting reading, in light of having during a recent grocery trip, noticed for the first time just how many different olive oil choices there were. The variety on the shelf piqued my curiosity enough to start counting. I think the total was around 150 different specific products, and ther...
by iamlucky13
Wed Jul 11, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5274

Re: Anyone take naps at work?

I have, discretely from time to time, especially if I'm working long hours. At one point I saw some research on powernaps that seemed quite positive about the benefits. I don't remember the details, but it fits my experiences. What works best for me is a bit of coffee or tea, a 20 minute nap that I ...
by iamlucky13
Wed Jul 11, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1010

Re: Printing photos from JPG files

Put the images on a thumb drive and you can take them to any Walgreens, CVS, Walmart and they will print them for you. I think most of those places also give you the ability to manipulate the images a little....cropping, B/W, sepia, etc with on-screen adjustments before you print. I do not advise t...
by iamlucky13
Mon Jul 09, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 26
Views: 2049

Re: Prepaid cell phone plan vs Regular Contract Plan

Where are you at? T-Mobile coverage is not the same as AT&T (or Verizon) in many areas. I find the T-Mobile coverage map deceiving because the overlay 2g/3g/4g and make it seem like they cover most areas. Get off the beaten path an T-Mobile may leave you high/dry. It's deceiving even if you view th...
by iamlucky13
Mon Jul 09, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8135

Re: Amazon won't sell this book to me.

So conclusion is OP is wrong. The book is easily available on amazon to non prime members. No. OP is correct. I just checked at Amazon and it says, "Ships from and sold by Amazon.com exclusively for Prime members." Look again. It is available from other sellers on the page. Cheers Sort of. They wou...
by iamlucky13
Mon Jul 09, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: $50+ gas bill for $4 in gas?
Replies: 16
Views: 3011

Re: $50+ gas bill for $4 in gas?

I don't know how it is with natural gas, but at least from my research into the electrical market, the cost of distribution infrastructure capitalization and maintenance is around 2/3 of a typical residential customer's bill, on a year round average. This is a largely fixed cost, so if truly broken ...
by iamlucky13
Fri Jul 06, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 30
Views: 2189

Re: Surface Pro(2017) vs 10.5" iPad Pro

You didn't clarify - are you taking notes by typing, or are you doing it with the stylus? If the latter, can you even write fast enough that way to keep up with a lecture? If typing, I'd lean away from a tablet with a keyboard. I spent a decent amount of time typing on the Surface keyboard recently ...
by iamlucky13
Mon Jul 02, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103214

Re: To take or not to take delivery of Tesla 3

Thank you LadyGeek.

I asked because I was honestly a bit puzzled that members keep bringing the discussion about Tesla's prospects back to this thread, despite repeatedly being asked not to, instead of taking it to the investing forum.
by iamlucky13
Mon Jul 02, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103214

Re: To take or not to take delivery of Tesla 3

Would it be appropriate for someone to start a Tesla thread (or revive one of the dead ones) in the "Investing - Theory, News, & General" forum to continue the side discussions? I know individual stock threads are not popular on this site for good reason, but are they acceptable? Plenty of Boglehead...
by iamlucky13
Mon Jul 02, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 2937

Re: 28 w/heavy small cap tilt?

My wife and I are 100% in Target Date 2055 index funds. Have you run your Monte Carlo situations on an approximate reconstruction of your target date funds as a baseline comparison? I ask mainly out of curiosity, but it seems appropriate to know the range of outcomes you're moving away from, since ...
by iamlucky13
Mon Jul 02, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 26
Views: 2283

Re: cooling upstairs floor without central AC

My strategy is to open windows on both sides of the house, then feel which direction the breeze tends at the time. I then place box fans in the windows of windward side of the house, blowing inward to aid the breeze. I don't want to fight the breeze. This also works placing the fans in the leeward w...
by iamlucky13
Sun Jul 01, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Lumber Liquidators Safety Issue
Replies: 22
Views: 3355

Re: Lumber Liquidators Safety Issue

We are replacing extremely worn out carpeting and laminate flooring with luxury vinyl planks. I read the previous comments, and I know a lot of you hate vinyl flooring. I want vinyl because wood isn't practical with swimmers dripping as they walk through the house, wet dogs, snow getting tracked in...
by iamlucky13
Sat Jun 30, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 14
Views: 2764

Re: Air Bag Claim notice from Takata (TK Holdings)

I'm tempted to ignore this on as well, as I've suffered no damage other than keeping passengers off the front passenger seat for a few months until the airbag could be replaced by a free Subaru recall repair. I look forward to other replies. That is loss of use, which is a damage. Personally, I loo...
by iamlucky13
Thu Jun 28, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Is today's furniture market wackier than ever?
Replies: 18
Views: 2384

Re: Is today's furniture market wackier than ever?

Used furniture (with the exception of MCM) is cheaper than ever. If it was trendy at the time it produced, and that trend has passed, it is sometimes hard to do anything other than give it away. If is a style that tends to difficult to identify with any period, or if it is a style experiencing a re...
by iamlucky13
Tue Jun 26, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 19871

Re: Costco tire - Michelin vs Bridgestone

You've been lucky or rotated your tires very frequently (which helps even out wear). I'll be lucky to reach 40k on my 90k warranty Defenders I'm not proud to admit I often miss noticing for several thousand miles when I'm due for a rotation, so that's not it. We don't have many miles on our Defende...
by iamlucky13
Mon Jun 25, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: How to spend it all
Replies: 14
Views: 2090

Re: How to spend it all

It depends on how long you live, and how your investments perform. The latter will in part depend on your asset allocation, and in part depend on factors beyond your control. It's possible for 4% to run out on you before you're done with it. A life expectancy table is one place to start for figuring...
by iamlucky13
Sun Jun 24, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 19871

Re: Costco tire - Michelin vs Bridgestone

Between the two, I'd pick the Michelin Defender, but don't believe the mileage warranty. You're lucky if you get half what's rated. I've never had a tire fail to reach its warranty with at least the legal amount of tread. The worst I had was Honda OEM-equipped Firestones that I replaced a little pa...
by iamlucky13
Sun Jun 24, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11619

Re: When did you start flying business class?

It sounds like you can afford the upgrade without any form of hardship. With that established, I don't think you should put too much weight on the input of others. Rather, focus on whether the improved comfort for the long flights there and back has a higher value to you than other ways you would sp...
by iamlucky13
Sun Jun 24, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 19871

Re: Costco tire - Michelin vs Bridgestone

The Michelin Defender is reputed to be a very good tire in terms of traction in different conditions and long tread life. Consumer Reports testing corroborates this. Hence, we bought a set several months ago. Ours are actually the Michelin X-Tour, which all the information I can find indicates are t...
by iamlucky13
Sun Jun 17, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1329

Re: Best tips for starting a new job

Be on the look out for any opportunity to serve those below, and above you. This can be just as small as getting lunch during a busy day. I’ve learned just one of these acts can solidify a good reputation. Also, make it a point to make sure all communication isn’t all business. The role of manageme...
by iamlucky13
Fri Jun 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6520

Re: Contractor - Threatening Lien/Lawsuit

I guess I let my prior post sit too long after composing before proof-reading and submitting, since this and several others were submitted meanwhile: -I have looked to see if this person has a license. At first glance, I’m not finding anything for him/his company. -Is a permit generally needed to bu...
by iamlucky13
Fri Jun 15, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6520

Re: Contractor - Threatening Lien/Lawsuit

I second the question about licensing. If you haven't find out if he is licensed and whether he is required to be. Different states have different departments responsible for the records, but I think most states have online lookup of anyone they license. State laws vary. Work requiring a permit or i...
by iamlucky13
Thu Jun 14, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2773

Re: Schwab's market predictions next 10 years

It's a 10 year forecast, which is a much more reasonable thing to attempt than trying to predict the next year. So if the linked Vanguard paper was attempting to make a prediction for 2017, that is something they should stop doing. Not a very firm prediction. Just that inflation would be low, but i...
by iamlucky13
Fri Jun 08, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1425

Re: Masonry Wood-Burning Fireplace Issues

Ahh...that inspection report makes things a little more clear. What he is describing means a risk of backdrafting pushing smoke and carbon monoxide back into the home, and smouldering combustion that even with good wood could continue to produce significant amounts of creosote plus further compound ...
by iamlucky13
Fri Jun 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 5891

Re: Severance Package Question

The follow up is appreciated. It's always good to hear how things work out, and it might be helpful to others in the future. Do make sure you are aware when your response is due to avoid forfeiting the opportunity to accept the severance offer. They could decide not to make concessions but also not ...
by iamlucky13
Thu Jun 07, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1425

Re: Masonry Wood-Burning Fireplace Issues

The first chimney guy may have been thinking you were asking how often to have it swept if you use it regularly. If nothing else, having the chimney swept and inspected, you have a record that it was done and roughly how often it was used afterwards to inform any bidders in a hypothetical future sal...
by iamlucky13
Thu Jun 07, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 5891

Re: Severance Package Question

Right. Also get earned vacation and file for Unemployment. While this is tangential to the main question, be aware that state-specific unemployment rules may be important in this case. In my state (Washington), the 2 week lump-sum severance payment and the accrued vacation payout would not count as...
by iamlucky13
Thu Jun 07, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3505

Re: Upgrade to SSD for 5-year old desktop?

I'll throw in another comment in favor of upgrading for the OP's scenario and interest. I was pretty surprised this week when my new megacorpo job issued me a laptop with a spinning drive for engineering work. I wouldn't say it's slow, but there's more small hesitations loading programs or cached co...
by iamlucky13
Fri Jun 01, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4349

Re: Travel advice for an engineer

The Duomo in Florence is on my list, too. I've been fascinated reading about that project. Petra Jordan is probably another place I'd really like to visit, as well as Machu Pichu and Angkor Wat. The Pantheon is an obvious must see for any engineer or history buff. Closer to home for US residents, a ...
by iamlucky13
Fri Jun 01, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 3007

Re: Any reasons to not put money down for a Tesla Model 3?

It sounds like you don't have a specific time frame in mind. If you're hoping to get one as soon as possible, you'd want to get the deposit down and accept that some prospective buyers who change their mind have had delays getting their refund. Otherwise, you don't have to put money down now to get ...
by iamlucky13
Tue May 29, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 36
Views: 4241

Re: Quality decline in off-brand alkaline batteries?

If you're using enough batteries to notice differences like this, then in almost all cases, you should probably just use good NiMH rechargeable batteries instead. Anyways, yes, there can be differences. Off-brands of any product are often manufactured under contract by whatever supplier is willing t...
by iamlucky13
Sun May 27, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2176

Re: 3 days in Boston with an 8 year old

I'm not so sure an 8yo would appreciate the Freedom Trail. It's a lot of walking and looking at old buildings and cemeteries. However, you know your own child--I have a couple of odd ducks, including one who, at age 4, had an incredible crush on George Washington (The number one president and the d...
by iamlucky13
Sat May 26, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1328

Re: Computer RAM Prices

Talking to somebody at Intel recently, crypto mining may be part of it, but it sounds like mainly increasing web server demand is the main factor. The RAM industry already had a cartel broken up quite a while back. What they're doing lately is not direct price fixing, but the fabs have been slowing ...
by iamlucky13
Tue May 22, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6182

Re: How have you upgraded your wardrobe?

I gave up on Kohl's and Penney's when I realized the clothes at Macy's and Nordstrom's usually fit better, were more comfortable, and usually had less variation between samples than the lower end stores. I think I originally tried buying some clothes at Macy's specifically because I was fed up after...
by iamlucky13
Thu May 17, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2075

Re: Debating whether to rebuild tractor or buy a new zero turn

Interesting, those forbidden brands are exactly the brands that I was looking at. I figured I'd go to Lowes or Home Depot and find something decent for 3k. I guess they don't make mowers like they used to. Keep in mind, the original price of your Power King was probably (I'm guessing here) equivale...
by iamlucky13
Tue May 15, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2075

Re: Debating whether to rebuild tractor or buy a new zero turn

If towing is potentially a need, why not one of the nicer yard tractors or an entry level garden tractor? You should be able to find agricultural tires for it if you need more traction. I get the maneuverability and visibility advantages of zero turn mowers compared to tractors, but obviously a trac...
by iamlucky13
Sat May 12, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2153

Re: buying new laptops

I will also second the recommendation for business class laptops. Eg: Dell Latitudes or if you need ultraportable, XPS series, as they will usually have more solidly built chassis and better hardware than comparably spec'd Inspirons. The same for Lenovo Thinkpads and X-series rather than the less ex...
by iamlucky13
Sat May 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1647

Re: Buying house from 1977

Don't worry. Just do due diligence. There's millions of homes in the US built in that era, most of them in good shape. A good inspector is a worthwhile expense. They should be well-familiar with and on the look out for the sorts of potential issues others are raising. Aluminum wiring was mostly or e...
by iamlucky13
Fri May 04, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2228

Re: Car rentals, what is the catch?

I haven't heard of the lowest two. I have used Thrifty, which is a budget brand of Hertz. If I remember right, I had one decent experience - I think that was in Boston - and one bad experience. At the LAX Thrifty, the car was ok, but the location was badly understaffed (long waits), and they simply ...
by iamlucky13
Fri May 04, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5392

Re: Home Theater Stereo/Speakers

In my book the goal is: Less clutter, less money, better sound. I would avoid subwoofers. They take up floorspace and add to the cable mess. And they sound artificial adding pounding and sometimes painful boom. Your experience is probably, like mine was when I initially decided to forego a sub in m...
by iamlucky13
Tue May 01, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5392

Re: Home Theater Stereo/Speakers

^^^ is good advice. Random thoughts: 5.1 > 3.1 > soundbar + sub > internal speaker(s) I'd encourage everyone to at least try for a decent 3.1 system -- the center-channel speaker makes a huge difference. I've seen a lot of discussion about this in the dedicated audio forums. I haven't talked myself...
by iamlucky13
Mon Apr 30, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5392

Re: Home Theater Stereo/Speakers

Cheaping out on A/V receivers and projectors is usually fine since the technology always seems to be changing. I have a 8 year old $1,500 Denon A/V receiver that gets killed by a $300 Sony receiver that I bought last year. Killed in terms of output or in terms of connection options? From what I've ...
by iamlucky13
Sun Apr 29, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 16
Views: 3225

Re: Sink Hole in Yard

Kywildcat, I got similar issue in my yard. Could you share the experience about how the issue was fixed? When reviving an old thread like this, there's good odds the original poster might not notice, especially users with a low post count. Checking their profile, it appears Kywildcat hasn't been on...
by iamlucky13
Sat Apr 28, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5392

Re: Home Theater Stereo/Speakers

Speakers seem to me to be tough to make recommendations for, because it's difficult to know what different users's expectations are. Those Sony's are no doubt pretty decent, and I expect will not only far overpower any similarly priced sound bar (in addition to the simple fact that discrete speakers...
by iamlucky13
Fri Apr 27, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6699

Re: White Coat Investor Interviews Paul Merriman

And at the end of my life I hope to have educated a million young people about the importance of equity asset class selection, asset allocation between those equity asset classes, as well as bond funds and the ability to find the funds that will maximize the likelihood of success over their lifetim...
by iamlucky13
Fri Apr 27, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.75 [Money Market Rate To 1.75% APY]
Replies: 51
Views: 5093

Re: Capital One now at 1.60

If you don't touch these savings much and can sacrifice a little simplicity and ultra-short liquidity, depending on your state tax rate, the tax equivalent yield on 3 month T bills is around 2% now. Purepoint savings is 1.75% The whole point of having something like the Capital One 360 account is t...
by iamlucky13
Fri Apr 27, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11441

Re: Amazon to raise Prime membership in US to $119 from $99

Which just reminds me once again that Amazon often is not the best deal. Mainly because I want to spread my shopping around a bit to preserve competition, I just checked Bed Bath and Beyond's website for a gift I was planning to get for my wife. It was a couple bucks cheaper than Amazon, and also in...
by iamlucky13
Mon Apr 23, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5856

Re: How long have you been unemployed?

Mid-30's. 13 months starting at the end of 2008. That was not a good time to be an entry level worker on a limited term contract. I had interviews just frequently enough, and my savings and the unemployment compensation extensions were just comfortable enough to keep me from searching for work outsi...
by iamlucky13
Sat Apr 21, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 2101

Re: Newborn- essential financial steps

Some recommend a credit freeze, since your newborn shouldn't need credit inquiries for quite a few years, but there is a chance of their identifying information being compromised (eg - Premera data breach).