Search found 42 matches

by GreatLaker
Thu Sep 12, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1773

Re: Bike head/rear lights

Bontrager bike lights have two flashing modes: 1) bright on-off flash for day use; 2) Alternating dim with brighter flashes for night use. The night mode means even when it is flashing the road is always illuminated. They have a light sensitive setting that automatically switches between day and nig...
by GreatLaker
Mon Aug 05, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your sinking fund?
Replies: 23
Views: 2346

Re: Where do you put your sinking fund?

Before retiring I did not have a sinking fund. I just spent on items like that from normal cashflow or workplace bonuses, and cutting back on other discretionary items like hobbies and vacation if necessary. When I retired I started a sinking fund. I estimated cost and lifespan for car, roof, drivew...
by GreatLaker
Tue Jul 09, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Ontario in August
Replies: 29
Views: 1864

Re: Ontario in August

My sister lives in the US and visits Canada a couple of times a year. She does not seem to have a preference between flying to a US border city and driving to Canada, or flying direct to Canada and renting a car on arrival. It really comes down to price and which is most convenient for flight times ...
by GreatLaker
Tue Jul 09, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 3299

Re: Volunteer suggestions

Before retiring I did some board type of work. Board member then President then Treasurer at my condo. Chair of the residents' association. Co-chair of the local Community Police liaison committee (the other co-chair was the Police Superintendent). In a busy downtown area. All of them became tiring ...
by GreatLaker
Thu Jun 06, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 3128

Re: Recommendations for "Backup" software

Another vote for iDrive cloud backup. It's fully automatic, the subscription includes multiple computers and gives a daily report on files backed up or any errors. It also includes file sync in the same subscription price so I can access frequently used files on all of my computers. I have a local b...
by GreatLaker
Mon Mar 04, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 7006

Re: Best quality car - Lexus?

I dunno if I would call myself a car enthusiast. I like cars but they are just so darn expensive to be driving around and leaving in parking lots hoping nobody dings them. I bought myself a 2012 Lexus IS350 for my 55th birthday. It cost about 2x any previous car I owned. It's fast, handles well, qui...
by GreatLaker
Wed Feb 06, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Carvana
Replies: 42
Views: 4475

Re: Carvana

I hate Carvana. I tried to buy a car using the car vending machine. My car got stuck in that screw thingy and the guy behind me got TWO cars. I tried shaking the whole machine, but I wasn't strong enough. Lucky you did not reach in to pull your car out and get your arm stuck. Or have the entire mac...
by GreatLaker
Sat Feb 02, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11822

Re: How much do you keep in checking?

Minimum about $5k. I used to watch it carefully and let it get down near the minimum balance to get zero fees. But I'm retired and having been POA for someone elderly I see how finances can get to be a pain. $5k minimum lets me not have to worry about moving money around or telling someone how to ac...
by GreatLaker
Thu Jan 31, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Regular Gas in a car requiring Premium Gas (Lexus LS)
Replies: 23
Views: 3392

Re: Regular Gas in a car requiring Premium Gas (Lexus LS)

Do you have the owners' manual to check what it says? Personally I don't think it would hurt, especially if you avoid heavy throttle especially since there was 1/2 tank of premium in there. Just gas up again when it gets to 1/2 tank. But as they say, and forgive the pun, "Your mileage may vary". I h...
by GreatLaker
Sun Jan 13, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4509

Re: Duffel Bag vs Wheeled Stand Up traveling

Onebag.com is a good website for travelling and packing light. Here is its perspective on wheeled bags.
https://www.onebag.com/wheeled-bags.html
by GreatLaker
Wed Dec 12, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 10234

Re: New job, sales at Subaru

Question Based Selling by Tom Freese is a good one. It will help you learn the customer's issues without being pushy.
https://www.goodreads.com/book/show/568 ... ed_Selling
by GreatLaker
Mon Dec 10, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 8869

Re: are pre-fabricated / manufactured homes a bad investment?

My sister owned a "Custom Built Prefabricated Home" from this company: https://www.royalhomes.com/ It is in Canada so maybe some of the terminology and laws or regulations are different. It was built in a factory in 3 sections (2 main sections and a dining nook on the back), trucked to their lot and...
by GreatLaker
Sun Dec 09, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6629

Re: portable jump starters

On a somewhat related topic, since vehicles are so complex these days and the manuals are about 2" thick, I printed specific pages related to battery boosting, tire changing and towing and keep them easily accessble in the glove box. Hopefully I'll never need them. Don't forget the 10 pages under "...
by GreatLaker
Sun Dec 09, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6629

Re: portable jump starters

As a refresher, here's the proper way to use jumper cables: Step 1: With both cars OFF and in "park," connect the jumper cables in the following order: Connect one red clamp to the positive (+) battery post of the "dead" battery. Connect the other red clamp to the positive (+) post of the good batt...
by GreatLaker
Tue Sep 11, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 3098

Re: Toilet Makes A Flushing Sound Occasionally

As others have said, likely a flapper that is leaking slowly. Some toilet flush valves are designed to make that flushing sound to give an audible indication that the flapper is leaking. The water in the tank has to drop a certain amount before the valve opens to refill the tank. The water rushes in...
by GreatLaker
Wed Sep 05, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7748

Re: Daily Driver (Car) Over 100K Miles?

To me it depends on the nature of the daily drive. If your car breaks down in big city traffic or a freeway you call a tow truck or wait for one of the highway vultures to show up, while hundreds of motorists drive by honking their horn and making rude gestures. If your daily drive is in a small tow...
by GreatLaker
Thu Aug 02, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2976

Re: weekender bag?

Not a bag recommendation but OneBag - The Art + Science of Traveling Light is a good source for bag recommendations and packing techniques.
https://www.onebag.com/leisure-bags.html

Check out their bundle wrapping technique.
by GreatLaker
Wed Jun 27, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 7082

Re: Chipmunk problem

A neighbour a block over traps them and shoots them with a pellet gun.

I have a catch and release policy. I catch them in my yard and release them in his. :D
by GreatLaker
Tue May 22, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 6816

Re: keyless ignitions and carbon monoxide

It is interesting that, if I get out of my '14 Lexus and leave it running while in Park with the key fob sitting on the passenger seat, there are no warnings of any kind and it seems like it will just keep running until it runs out of gas. (I assume it will just keep running that long... I never le...
by GreatLaker
Sun Apr 22, 2018 8:30 am
Forum: Non-US Investing
Topic: Currency Risk for ETFs [Canada]
Replies: 37
Views: 3785

Re: Currency Risk for ETFs [Canada]

Welcome to the forum. www.finiki.org and http://www.financialwisdomforum.org/forum/ are Canadian sister sites to Bogleheads. If you post your question on Financial Wisdom Forum you might get more responses, but please do refer back to this thread so people know you have cross posted. Both of the art...
by GreatLaker
Thu Apr 12, 2018 7:43 am
Forum: Personal Investments
Topic: “Fund bucket” for new car?
Replies: 14
Views: 1737

Re: “Fund bucket” for new car?

I keep a savings fund to cover the cost of new cars and major home repairs (roof, driveway, HVAC, major appliances, but not upgrades or renovations). I contribute annually to that fund and keep it in a low-cost balanced mutual fund in my non-registered brokerage account. I estimated lifespan and rep...
by GreatLaker
Sun Mar 11, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6879

Re: Men's Cologne

Truth told- I now keep AXE at work. Its cheap, and if you choose the right one it smells fresh w/out having an overwhelming cologne trail down the hallway. Can also spray in armpits etc.....the Phoenix is the best smelling one- fresh like soap etc. Give it a shot. Can't beat the price. Also great t...
by GreatLaker
Sun Feb 04, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 24321

Re: For BHs who actually like cars - what is your daily driver?

'06 Lexus IS350 in the summer '09 Subie AWD for the winter I have a '12 IS350 AWD. Lexus luxury with 'yota reliability and durability. In 6 years nothing has broken or needed unscheduled service. The only one issue was a recall for the emergency escape handle in the trunk. Hope to keep it for at le...
by GreatLaker
Sun Jan 28, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4787

Re: Which of these mechanic-recommended services would you pay for?

Anytime your car is in the garage, the garage usually performs a complimentary visual inspection to see if anything else needs service, too. Some of this work needs to be done while some of the work is more optional. Recently, one of my cars was in the garage, and the mechanic came back with the fo...
by GreatLaker
Mon Dec 25, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 10211

Re: New Honda CRV is MotorTrend's SUV of the year

...the right tires are far more important than all-wheel drive or a few inches of ground clearance." The left tires don't matter as much? Only in the northern hemisphere. In the southern hemisphere the left tires are far more important and the right tires don't matter as much. And in space tires do...
by GreatLaker
Fri Dec 15, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 10211

Re: New Honda CRV is MotorTrend's SUV of the year

Isn't one main point of getting an all wheel drive SUV the fact that you shouldn't have to futz with snow tires? No! AWD helps with acceleration. It does not help with braking and it generally doesn't help with cornering. (A sophisticated AWD system with torque vectoring may enable the stability co...
by GreatLaker
Fri Dec 15, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9677

Re: Snow Tires? Worth it?

Sure! The main strength of the WRG3 is you can drive it year round. It's essentially a winter tire with all the siping and tread design of Nokian's full winter tires, with shallower, stiffer tread blocks which provides less wandering on dry and wet pavement. It's main weakness will be in the worst ...
by GreatLaker
Thu Dec 14, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9677

Re: Snow Tires? Worth it?

1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course 11 Use snow tires :wink: 12 Don't let AWD give you a f...
by GreatLaker
Thu Dec 14, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9677

Re: Snow Tires? Worth it?

My favorite tires hands-down Nokian hakkapeliitta without studs. A slightly cheaper option is the Nordman 5 which is made with the previous generation hakkapeliitta molds. If you are looking for an all-season option that is still very good in snow, I would consider the Nokian WRG3 or the Michelin X...
by GreatLaker
Mon Dec 11, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9677

Re: Snow Tires? Worth it?

I recently purchased Nokian WRG3 All Weather tires. All weather tires are like winter tires that can be driven all year. I have an AWD sedan and they are much better than all-seasons but not quite as good as dedicated winter tires. Several other tire companies also make them, including Toyo Celsius....
by GreatLaker
Sun Dec 03, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of going "back" to school nearing 40?
Replies: 24
Views: 3426

Re: Thinking of going "back" to school nearing 40?

I went back to school full time at age 35. It was an MBA program. I found it very rewarding personally and professionally. It's hard to say for sure, but I believe I also came out well ahead financially as well. I really enjoyed the challenge, the learning and the interaction with other students. I ...
by GreatLaker
Sat Dec 02, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 5811

Re: I Can "Afford" This Right? (New Car)

Disclaimer: I like cars and dropped $65k on a car 5 years ago. Still driving it today. Will likely drive it for another 5-7 years before getting something else. I doubt I will be spending that much on a car ever again. It just isn't worth it once you realize what you get out of owning it and how mu...
by GreatLaker
Thu Nov 30, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Investing for an elderly parent
Replies: 11
Views: 1415

Re: Investing for an elderly parent

I am dealing with a similar issue, with an elderly relative that has money squirreled away in multiple different accounts, CDs, mutual funds and cash from a real estate sale. She wants to get better return, but is also reluctant to change and somewhat loyal to certain banks, for apparently no good r...
by GreatLaker
Mon Nov 27, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: How your FA, insurance agent, your community reacts when you show your financial knowledge?
Replies: 39
Views: 5360

Re: How your FA, insurance agent, your community reacts when you show your financial knowledge?

A long time ago I got a quote for whole life insurance. The agent came to my home and made nice, then sent me a quote. We agreed to a second meeting. On further reflection I realized the cost was very high and it was not what I wanted or needed. I called his office and left a message to cancel the s...
by GreatLaker
Sun Nov 26, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 52
Views: 6833

Re: Toyota older, "good" cars - my observations

What is the Lexus luxury equivalent of the Corolla? I do not think there is a Lexus equivalent of the Corolla Lexus IS250/ IS350 are about the same size as Corolla, but substantially different car. Corolla is FWD, 4cyl, 102" wheelbase. IS250/350 are RWD/AWD, 6cyl, 108" wheelbase. I think the IS is ...
by GreatLaker
Tue Nov 14, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 3024

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

I agree with ditching the OTR microwave and going with a dedicated range hood with separate microwave on a counter or shelf. OTR microwaves just are not that effective at exhausting cooking fumes and smoke. They are an OK compromise for a small kitchen, but the way you described your cooking leads t...
by GreatLaker
Sun Nov 12, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 3269

Re: Investing HOA reserve money?

Check if there are any regulations in your jurisdiction on how the funds can be invested. I was on a condo board in Ontario Canada and the regulations were quite specific. Govt guaranteed bonds or CDIC guaranteed bank deposits (HISA or GIC in Canadian terms, CD in USA). CDIC is similar to FDIC. We i...
by GreatLaker
Sun Nov 12, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 1103

Re: Jetted Tub: Maintenance and type

I had a jetted tub in a condo I used to own. I used it a lot for a few years, especially after a workout in the fitness room. Living close to w*rk I could walk home, have a quick workout, relaxing bath and be sitting on my balcony with a drink before my commuter coworkers could even get home. That s...
by GreatLaker
Mon Oct 23, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund Allocation Nuance
Replies: 8
Views: 872

Re: Emergency Fund Allocation Nuance

I look at it as a separate part of my assets, not part of my long-term savings, and I don't consider it for asset allocation purposes. Either way it's only ~1% of my assets, so won't make much difference. Here's one way to look at it: If markets crashed or were exceedingly bullish and you had to reb...
by GreatLaker
Thu Oct 19, 2017 3:26 pm
Forum: Non-US Investing
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 1593

Re: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.

There is a Canadian forum and investing wiki that is similar to this, and many posters follow the Bogleheads philosophy. http://www.financialwisdomforum.org/forum/ http://www.finiki.org/wiki/Getting_started http://www.finiki.org/wiki/Simple_index_portfolios#Three_fund_portfolios I have not read Unsh...
by GreatLaker
Sun Oct 01, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 21558

Re: $10 million+ - Still Working and LBYM

Silicon Valley Russ Hanneman - 3 Comma Club:
https://www.youtube.com/watch?v=xzMUrB-Um1Y

(Caution... some NSFW language around the 1 minute mark)
by GreatLaker
Mon Jun 12, 2017 7:43 pm
Forum: Personal Investments
Topic: How to calculate Annual Expenses with spending volatility?
Replies: 15
Views: 1282

Re: How to calculate Annual Expenses with spending volatility?

My first post. :happy I have been lurking for a while and posting over on the Canadian Financial Wisdom Forum. You can see my intro there: http://www.financialwisdomforum.org/forum/viewtopic.php?f=8&t=13&p=543370#p543370 I retired this year so don't know how well my proposed system will work. I've b...