Search found 1050 matches

by killjoy2012
Sat Dec 08, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 28
Views: 1700

Re: PC Build Suggestions

Agreed. That article is referring to the thermal contact between the silicon and the metal top plate of the CPU. You will still need a heat sink and thermal paste for the build, as well as rubbing alcohol to clean it all before assembling. Building PCs today is 1000x easier than it used to be 20 yea...
by killjoy2012
Sat Dec 08, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1499

Re: iPad Pro vs Microsoft Surface

The question you need to answer is whether you want/need full computer functionality, similar to a laptop, but in tablet size form factor. Or if you just want/need an overpowered phone/tablet. I have multiple iPhones and iPads, and while I like them for those consumption uses, neither replaces my PC...
by killjoy2012
Sat Dec 08, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 3930

Re: Rental Car Damage Issue

I've never had an issue with returning rentals in the US. In Europe on the other hand, I've learned the hard way that you need to take detailed pictures at the rental lot before driving off showing all damage and with the rental lot background in the pictures. This has saved me twice in the last 10 ...
by killjoy2012
Fri Nov 30, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4371

Re: How do Bogleheads justify taking vacation?

Very bizarre post. This sounds like in incredibly depressing outlook on life. Do you not have ANY activities/interests/hobbies you enjoy pursuing? Are you married? Do you have kids? Do you have family/friends? Is work the sole reason for your existence? It's also interesting that you associate taki...
by killjoy2012
Tue Nov 27, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 641
Views: 44446

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Nope, no typo. 12/26. I was a bit surprised at the delayed ETA myself. I dropped the signed authorization in the mail the same day as submitting the app online too.
by killjoy2012
Tue Nov 27, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2815

Re: Dual Monitor Set up

For work, I have 2 cheap mismatched Dell 24's that are only 1080. It's an OK setup - would be better with matching 1440's. Simple things like the brightness and colors not matching between the two monitors can really be annoying. If I were the boss, I'd be running dual Dell 27" with 1440. For people...
by killjoy2012
Tue Nov 27, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 641
Views: 44446

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My Lively to Fido transfer is still in process. Submitted 11/17, paperwork received 11/25, now sitting with Choice Financial. ETA is 12/26.
by killjoy2012
Tue Nov 20, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3528

Re: which snow blower ?

1) Don't buy electric. It doesn't have the throwing power you need, electrical power cords are inflexible when frozen, 100'+ cords are problematic. Just don't - asking for headaches. 2) Before deciding brand, decide on whether you need/want a single or 2 stage. 2 stage will handle heavier, deeper sn...
by killjoy2012
Tue Nov 20, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1727

Re: Recommendations for Home Printer

You can commonly find Dell color laser wireless printers for < $100. Sometimes < $75. The toner is more expensive than inkjet ink, but for the occasional use, the toner lasts much longer since it doesn't dry up. Not to mention a color laser looks worlds better than inkjet, and you can find 3P toner ...
by killjoy2012
Mon Nov 19, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 536

Re: Correct oil for snowblower

That oil is way, way overkill for your needs (and enough for several lifetimes). All oil today is detergent oil unless you find oil formulated for gearboxes and such, which is very hard to find. As the manual tells you, for normal operating temperatures you're going to want to use 10W-30 oil (0F an...
by killjoy2012
Mon Nov 19, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2757

Re: Laptop security - Mac OS or Windows

As someone who does cyber for a living, the end user is the weakest link. Windows, linux and OS X all have security vulnerabilities - none are perfect. But that said, there's no saving the machine if people just click every link in every phish/spam, go to sites they shouldn't, etc.
by killjoy2012
Sun Nov 18, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1872

Re: New car - aftermarket upgrades vs higher trim

I’ve never seen a car with aftermarket leather that looks better than OEM. A lot of newer cars have some significant issues with replacing the head unit because things like HVAC controls are routed through them. +1 The days of the radio being a self-contained & replaceable unit are at (coming to) a...
by killjoy2012
Sat Nov 17, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 641
Views: 44446

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Just dropped the ToA form in the postal mail as well, transferring out of Lively.
by killjoy2012
Fri Nov 09, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3933

Re: Recommend Chrome ad-blocker

Try Adblock Plus
by killjoy2012
Wed Nov 07, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 24
Views: 1748

Re: Need help! 3 HVAC intstallation quotes

You didn't post many specifics, but I'd run away from the Goodman, and Lennox & Trane are about on par with each other.
by killjoy2012
Tue Nov 06, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Do older 4x4 vehicles hold higher salvage value?
Replies: 14
Views: 1239

Re: Do older 4x4 vehicles hold higher salvage value?

Is a fully depreciated 4WD truck going to be valued higher than it's 2WD equivalent? Yes. By probably $1500 or so, IMO. More so if you're in a 4WD preferred geography where there's snow, etc. The downside is that the 4WD add hardware that must be maintained/fixed in order to keep the 4WD/powertrain ...
by killjoy2012
Tue Nov 06, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3398

Re: Furnace Duct Cleaning-a high profit game?

I think some are being a little negative in response to the OP's question. Sure, HVAC duct cleaning is an "add on" and likely has a large profit margin, but that doesn't mean there aren't times where it's beneficial. I have allergies, and I replaced the furnace shortly after buying my home and I had...
by killjoy2012
Sun Oct 21, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3131

Re: Why Purchase an Automobile using Premium Gasoline?

What most of the people in this thread are missing is, that since the US government has been pushing CAFE standards higher and higher, the only way the OEMs can meet the mandatory fleet requirements is to produce an increasing number of vehicles using smaller and more efficient engines/technology, w...
by killjoy2012
Sat Oct 13, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: FYI for anyone leasing a Ford
Replies: 6
Views: 816

Re: FYI for anyone leasing a Ford

Well, just remember that you're talking to what's effectively 3 different companies. Ford: the product manufacturer who has almost no say over what the dealer does, or the lease terms. The Dealer: who is independently owned -- not owned by Ford. FMC: the bank. And while owned by Ford, is the money s...
by killjoy2012
Sat Oct 13, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1707

Re: Gas Fireplaces

OP - For a new install, a NG direct vent is the way to go if you don't want the mess, maintenance and other headaches associated with a natural fireplace. I purchased and installed a Mendota direct vent fireplace about 15 years ago. I did a lot of window shopping, and the fire visuals produced by t...
by killjoy2012
Sun Oct 07, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3846

Re: Income (US vs Europe)

s8r - I'm in the USA and work in IT. I'd say your general assessment is correct - it sounds like people in the USA (such as a programmer) would make more here than in Finland. But I think you also need to factor in cost of living, etc. e.g. A 1 bedroom apartment in Silicon Valley will cost you over ...
by killjoy2012
Fri Oct 05, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuities - Already Commited, Now What?!?!
Replies: 5
Views: 764

Variable Annuities - Already Commited, Now What?!?!

Hi Everyone. I'm a long time member and generally know better than to invest in complex things I don't understand, especially expensive things, and things that generally have a bad reputation. However, the financial planner my father used for a couple decades recently passed away and he was a 1-man ...
by killjoy2012
Sun Sep 23, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1803

Re: HVAC Options -- Any advice?

OP: The price in the quote sounds about right. If you purchase an upgrade, I'd go for the modulating furnace -- Lennox markets that as "variable capacity". I live further north than you, and our heating season is much longer than cooling... so the modulating aspect pays off, especially in terms of n...
by killjoy2012
Sat Sep 22, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2121

Re: Another job interview ‘skip the tie’ question

The problem with some of these replies are that regardless of what the day-to-day dress code is in the office, that doesn't always apply to people being interviewed there. I work in IT at a major company, and most guys wear jeans, a sports polo or t-shirt, etc. -- all perfectly acceptable. But for p...
by killjoy2012
Fri Sep 21, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6724

Re: My Very First Smartphone — Please Critique This Plan

I agree - go do some window shopping and make sure you know what you want. If you're just getting your first smartphone now, you may actually like the iPhone better than a Droid - JMO.
by killjoy2012
Sat Sep 15, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10186

Re: How real is cyber risk?

One of the underlying issues people in this thread are hinting at, but not saying, is that using your cell phone w/ SMS codes really doesn't meet the "something you have" factor in 2FA. For multi-factor authentication, it's a combo of something you know (e.g. password), something you have (e.g. a ha...
by killjoy2012
Sat Sep 15, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5618

Re: [Wearing] Shorts in Egypt

I spent 2+ weeks in Egypt touring from Cairo down to Abu Simbel in 2009. I'd strongly recommend you spend the money before the trip at REI and buy a couple pairs of adventure/mountaineering pants... lightweight, quick drying, fairly rugged pants. Many also have zip-off legs to convert to shorts. Des...
by killjoy2012
Sun Sep 09, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2220

Re: Hourly cost of air conditioning?

This is one of those cases that if it's not broke, don't fix it (or replace it). Sure, if you buy a new central AC, it'll operate at a higher efficiency and lower electrical cost than what you have today. But even if it was 50% more efficient, at 120 HOURS of use per year.... vs. $3-6k for new equip...
by killjoy2012
Fri Sep 07, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Effectiveness of McAfee Anti-Virus Protection
Replies: 10
Views: 866

Re: Effectiveness of McAfee Anti-Virus Protection

There's nothing wrong with McAfee - many businesses and residential customer use it everyday. Better question is why do you use it, when you could just use the Windows Defender AV that comes with W7/W10. Even if that is all you do, keep in mind that ads placed within those websites you listed are co...
by killjoy2012
Sun Sep 02, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3432

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I've done a ton of residential and small business network and security work, mostly as hobby or volunteer. Also have several friends that are electricians, so have picked up some tips and tricks from them. My suggestions: I always favor wired Ethernet over wireless when the stationary aspect of such...
by killjoy2012
Fri Aug 31, 2018 6:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 53
Views: 16692

Re: Detroit Area Bogleheads - Master Thread

Question to my fellow SE MI residents: The financial advisor my father and a couple siblings used recently passed away. The advisor owned & ran a small firm (him and a partner) and my family doesn't want to stick with that partner - need to move the accounts. Knowing that I'm fairly literate in this...
by killjoy2012
Sat Aug 25, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: VRBO (or equiv) or RV to see America?
Replies: 12
Views: 1515

Re: VRBO (or equiv) or RV to see America?

Yea, I think it depends on what your itinerary is. Renting an RV and touring the countryside or national parks sounds great, but won't help you in a major city. So I guess it really depends on where/what you plan to do.
by killjoy2012
Mon Aug 20, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 15230

Re: As an American, where are some great places in the world to retire?

It's hard to argue against Spain based on climate, cost of living, culture, etc. There's a reason why many Brits retire in Spain.
by killjoy2012
Sat Aug 18, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2246

Re: oil pan threads stripped - pan saver okay?

How would one weld a brass valve to a steel oil pan and why would it be necessary? Technically, it'd be called brazing. But it is possible. It would be useful / necessary to prevent leakage. A leaky oil pan plug can range from being a nuisance to catastrophic. The problem with helicoils are that th...
by killjoy2012
Sat Aug 18, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Living between NYC and U.K.?
Replies: 16
Views: 1731

Re: Cost of Living between NYC and U.K.?

$125k/year is £98k/year at today's rate. The 45% tax bracket starts at £150k, so $125k is nowhere near that rate. Deductions on £98k might be around £27.5k tax and around £5.5k NI for 2018/19, leaving a shade under £65k (approx $83k) of disposable income. As a US citizen living in the UK, you would...
by killjoy2012
Sat Aug 18, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Living between NYC and U.K.?
Replies: 16
Views: 1731

Re: Cost of Living between NYC and U.K.?

As an American who's visited NYC and the UK several times, I think what you're overlooking is the tax differences. Both cities are expensive. And yes, the cost of living items may be a bit different between the two places, as well as exchange rate fluctuations. The bigger issue in my mind is taxes. ...
by killjoy2012
Fri Aug 17, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2246

Re: oil pan threads stripped - pan saver okay?

I'd look for a small, local shop to replace the pan. I'd be amazed if you couldn't find a shop to do it for $300. It's not a hard job at all, DIY.

Or go buy a Fumoto oil pan valve and have a welder weld the valve in permanently.
by killjoy2012
Wed Aug 15, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 67
Views: 6299

Re: Bullish/bearish on GE? Make your case here - new lows today

All of the comments in this thread are interesting, but the reality is that hindsight is 20/20, the stock market isn't rationale (e.g. look at Tesla's evaluation / market cap), and no one knows what the future holds for GE. I personally don't see them going bankrupt. I do think they have a long road...
by killjoy2012
Sat Aug 11, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Foscam Security Camera ( wire-free/IP )
Replies: 5
Views: 566

Re: Foscam Security Camera ( wire-free/IP )

I think most people that have worked with residential security cameras would tell you to avoid Foscam as well. In the world of cheap Chinese security cameras, the two companies you should probably be looking at are Dahua and Hikvision. That said, also beware that most of these Chinese cameras have f...
by killjoy2012
Sat Aug 11, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: SPG rewards....sucks?
Replies: 24
Views: 2997

Re: SPG rewards....sucks?

SPG was great for gaining access to airlines you couldn't otherwise easily earn miles in and which have sweet spots for redemptions. The Marriott travel packages were also a great way to gain extra value. That said if you are going to travel in economy I don't see anything other than churning signu...
by killjoy2012
Tue Aug 07, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1729

Re: whole house generator different questions

+1 for bigger generator, and +1 for Kohler over Generac.
by killjoy2012
Sat Aug 04, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 831

Re: UK vacation help

I don't think you can fly direct into Inverness - at least not from the states. It is tough enough to get to Edinburgh. :happy Flights to Inverness from JFK are routed through Manchester and from Atlanta they go through Amsterdam. You can get direct flights to Edinburgh from both Atlanta and JFK. I...
by killjoy2012
Sat Aug 04, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 831

Re: UK vacation help

With only 7 days, I'd certainly recommend picking one or the other - not both. I've visited Scotland 4-5 times now, and Ireland once. I think which to pick is completely dependent on where your personal interests lie. If Scotland, my strong recommendation would be to fly into Inverness, which is up ...
by killjoy2012
Wed Aug 01, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2902

Re: Home Addition Finance

You can certainly afford to do the addition/remodel. As a matter of principal, I'd pay back the family member for the student loan before kicking off a $200k renovation though. Also, I wouldn't kid yourself into thinking that a $200k reno is going to add $200k to your home's value. Financially, and ...
by killjoy2012
Sat Jul 28, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy for a couple in their 30's, no kids
Replies: 4
Views: 525

Re: Investment strategy for a couple in their 30's, no kids

1) Yes, seems reasonable. You could question the dollar amount of some of your line items - like what exactly is $1,300/month shopping for - but overall, it seems reasonable. 2) There are many online banking high yield savings accounts available that would get you a slightly better rate. e.g. Allian...
by killjoy2012
Sat Jul 28, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 6245

Re: Home Theater vs. Soundbar

A soundbar is fine for secondary TVs - bedroom, kitchen, etc. - but I would never use one on the primary TV in the household. Subwoofers make a huge difference. Rear surround speakers make a huge difference. Do they add cost and complexity - sure, but well worth it on the primary system.
by killjoy2012
Fri Jul 27, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2053

Re: DisneyWorld-Needing specific advice

I've been to WDW many times. Thoughts: - Not sure hotel price point really dictates the amount of walking involved. All Disney hotels have Disney transport to the parks (bus, water shuttle, monorail), so while the Grand Floridian or Contemporary are physically closer to the MK park, not sure it woul...
by killjoy2012
Thu Jul 19, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3918

Re: Europe travel Qs

1) Cash - Will probably take at least 2 different Visa credit cards. I figure we'll want some paper Euros too. 1b) Or should I even bother with many Euros at all? Take no cash with you, Euros or USD. Take at least 2 NFT CCs, and your ATM card - notify all of travel the week before departure. Odds a...
by killjoy2012
Tue Jul 10, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 4202

Re: Auto Tariffs: time to buy?

This whole concept of the national identity of a company is becoming more and more archaic. So many corporations are multi-national entities now. Even startups... Not sure what an "American" company means anymore. I worked for a couple of "US" tech companies where most of the R&D was done abroad (I...