Search found 1301 matches

by iamlucky13
Tue Jun 18, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 24
Views: 2096

Re: Radon levels in home

The 4 pCi/L EPA action limit is arbitrary. This is equivalent to something like 200 chest x-rays per year. Unless you believe this is all hype, there is no proven safe level for ionizing radiation - it is a statistical "game." I would rather minimize any exposure above the unavoidable background. A...
by iamlucky13
Mon Jun 17, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2378

Re: Recommendation for light beer.

I am trying to keep carbs low in my diet due to slightly elevated blood sugar at last physical. Unfortunately this means avoiding beer which I really enjoy. I’ve tried a few light beers and its feels like I’m drinking seltzer water. Not much into wines. Does anyone here have a brand that has a full...
by iamlucky13
Mon Jun 17, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Keep 12 yr old bmw?
Replies: 21
Views: 1346

Re: Keep 12 yr old bmw?

I have a 2007 3 series BMW with 110k miles. It has had relatively few problems and never caused me to get stranded. The car has been maintained well and I’ve been getting premium gas for all these years. I have a local non dealership mechanic who has fixed some minor problems (<800 dollars) for muc...
by iamlucky13
Fri Jun 14, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2163

Re: Petroleum pipeline on property

I'm not an attorney but I think it would be the responsibility of the buyer to perform a thorough title search to reveal any pipeline easements, not the seller's responsibility to disclose, unless there is a disclosure form that specifically asks them to disclose any easements or pipelines on the p...
by iamlucky13
Wed Jun 12, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

Ivy League Endowment Funds seem to be a roughly monthly topic on Bogleheads. Two important factors to keep in mind each time this topic comes up: 1.) The most-frequently discussed endowments are not benchmarked to the S&P 500, nor do they have similar investments such that the S&P 500 is a very usef...
by iamlucky13
Fri Jun 07, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

They're reasonably safe in my opinion, like a space heater - there are precautions to take, but they are not onerous. You're supposed to keep combustibles off of them, although feeling our toaster oven, I doubt the outside surfaces get hot enough to start a fire unless you stack enough stuff on it t...
by iamlucky13
Fri Jun 07, 2019 12:01 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

Short summary of the article: Past performance indicates future results, therefore buy high and sell low. Who knows. Maybe US equities will continue to outpace the rest of the world, but I'm not willing to bet on it. At the same time, I'm hesitant to go market weight US/international based on the po...
by iamlucky13
Thu Jun 06, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

This sounds like a concern that can wait until you have a big family. :D I mean that light-heartedly, not mockingly. I grew up in a family of 9 kids. We had a minivan and a compact car. There's always compromises, but it works. Also, have you heard of Parkinson's Law? One of the commonly mentioned c...
by iamlucky13
Thu Jun 06, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4874

Re: Gillette Fusion razors

Cartridge razors are all ripoffs as far as I am concerned. I have found them to be a better value than disposables (especially in Costo packs), because of the poor initial sharpness and rapid dulling of the latter. At best, I only ever got mediocre shaves with lots of skin irritation from disposabl...
by iamlucky13
Thu Jun 06, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4874

Re: Gillette Fusion razors

Cartridge razors are all ripoffs as far as I am concerned. I have found them to be a better value than disposables (especially in Costo packs), because of the poor initial sharpness and rapid dulling of the latter. At best, I only ever got mediocre shaves with lots of skin irritation from disposabl...
by iamlucky13
Tue Jun 04, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3689

Re: Havasupai, Have a Sticker Shock

The sketchiest part by far is the descent of Mooney falls. If you have a fear of heights (like the hikers in front of us did, unfortunately) it could be a very tough experience. Mooney Falls was my favorite part of the trip in no small part for the climb down, but be aware it is a more or less clim...
by iamlucky13
Tue Jun 04, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Fair price to have a hitch installed (2017 Subaru Forester)
Replies: 12
Views: 964

Re: Fair price to have a hitch installed (2017 Subaru Forester)

The hardest part of installing my own hitch was figuring out the wiring. The actual install of the physical hardware took about ten minutes and use of the proper sized wrench. That will vary by the vehicle and how the specific hitch mounts. I don't know about the Forester, but it was definitely not...
by iamlucky13
Tue Jun 04, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4264

Re: Amazon free shipping, bait-and-switch?

The item currently exhibiting the problem is this one (https://www.amazon.com/Braun-Cutter-Replacement-Compatible-Waterflex/dp/B00JRV9CWK), price $27.89. It says: Price: $27.89 & FREE Shipping. Details Click the "Details" link and read what it says. Direct Link to the details I don't see anything i...
by iamlucky13
Mon Jun 03, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3689

Re: Havasupai, Have a Sticker Shock

The hike was not particularly hard. only the first/last mile from the parking area (steep switchbacks). ... But back to the original question... pay the $$$ if you want to see it. Once you see supai, you'll know that nobody is getting rich off of those fees. Hard is a relative concept. Elevation-wi...
by iamlucky13
Sat Jun 01, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1857

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

You can use impact rated bits in a regular drill. Gold drill bits are usually titanium nitride (TiN) coated for wear resistance and lower friction, so they don't get as hot drilling hard materials, cut a little cleaner, and hold their edge better. Cheap TiN coatings sometimes flake off. For homeowne...
by iamlucky13
Thu May 30, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12728

Re: 2% withdrawal rate

The biggest risk with 2% is never getting enough saved to actually retire. At a 20% gross savings rate and a 5% real return, it would take about 49 years to retire. At a 40% savings rate, it would take about 32 years (vs. the 22 years it would take to achieve 4% withdrawals). So with a high savings...
by iamlucky13
Thu May 30, 2019 4:17 am
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12728

Re: 2% withdrawal rate

That was an odd way to pose the question. Your membership date is over a year ago, so I assume you've seen enough of the forum to recognize that most withdrawal rate discussions focus on the 3-4% range. I would have thought it would be obvious that few people would agree that 2% is the "only prudent...
by iamlucky13
Thu May 30, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1857

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I am leaning towards the PS32-02 based on the larger number of reviews and higher fakespot rating of the reviews, but I'd love to know if anyone has any experience with either of these drills and, if so, their recommendations. Thank you so much! Number of reviews tells you popularity, not quality. ...
by iamlucky13
Thu May 30, 2019 3:13 am
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2549

Re: Port Townsend-Pacific Northwest

I'll probably come across as a bit of a grinch, but while the Pacific NW has gained a very positive national reputation lately based mainly on its rapid growth in the tech industry and the resulting large numbers of young, well off residents, I strongly do not think the area is for everyone. I recom...
by iamlucky13
Wed May 29, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Printing quality pictures taken from phone?
Replies: 19
Views: 1162

Re: Printing quality pictures taken from phone?

8x10 is asking a lot for a limited resolution cell phone picture. Even the first iPhone had enough resolution to print at 8x10 without obvious issues from normal viewing distances. However, it is possible a mistake is being made to send downsized images to the printer. I would have to leave it to t...
by iamlucky13
Wed May 29, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Bought Title insurance since 2003? Maybe your data was leaked.
Replies: 2
Views: 528

Re: Bought Title insurance since 2003? Maybe your data was leaked.

He said anyone who knew the URL for a valid document at the Web site could view other documents just by modifying a single digit in the link. To give you a sense how trivial of an exploit this is, Hotmail had a similar hole that was made public and subsequently fixed in 2001. By that time, several ...
by iamlucky13
Wed May 29, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3367

Re: Its a Jeep thing?

So I have this 2006 Jeep Wrangler Unlimited Rubicon...has 27 K on it... ...as I am standing there three different people come up and ask me if I want to sell this Jeep...one guy offered me 25K for it...for a 13 year old Jeep? WTH? So anyway I said no but thanks for asking...my question is WHAT on e...
by iamlucky13
Tue May 28, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: TV Speakers/sound bar/bose wave
Replies: 7
Views: 549

Re: TV Speakers/sound bar/bose wave

It's not hard to beat the tiny speakers most modern TV's have, especially since they're usually aimed the wrong way. I've never listened to a Bose Wave, but it's probably closer in performance to a $200 soundbar than to the internal speakers, and I would not be surprised if it outperforms the most b...
by iamlucky13
Mon May 27, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8570

Re: No more print Money magazine

I had a subscription a few years ago I got just to keep my airline miles account active. I'm sure it was better in the past, but I didn't miss it when the subscription ended. I referred to it as "Buzzfeed Finance" - a lot of lists without much substance. And while they did occasionally run an articl...
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: 1224

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: 79
Views: 8459

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: 53
Views: 3276

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: 2350

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: 3198

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: 3971

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: 2350

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: 1834

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: 2350

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: 2350

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: 18
Views: 1761

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: 1832

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: 1832

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: 937

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: 1936

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: 937

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: 4048

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: 3966

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: 4048

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: 1947

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: 2352

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: 3158

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: 3158

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: 4048

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: 1360

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: 1947

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...