Search found 60 matches

by z0r
Tue Nov 06, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: House for sale - new sink and tub OR reglaze?
Replies: 9
Views: 970

Re: House for sale - new sink and tub OR reglaze?

My heavy gauge under mount stainless sink was $200 new. Would take maybe 3 hours of labor to swap it out if it was an exact fit and could reuse the under mount brackets. A sit on top sink would be even less work. Check size carefully and buy the exact model if it's in budget. I just did a bathroom g...
by z0r
Thu Nov 01, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7746

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I got this email and I couldn't figure out if it included state e-file. If not, does anyone know the state e-file price this year? I think it was $15 last year. It includes state. Click on the "Pre-Order" now link for the details. The title is "H&R Block 2018 Deluxe Federal + State". I bought this ...
by z0r
Thu Nov 01, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7746

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I got this email and I couldn't figure out if it included state e-file. If not, does anyone know the state e-file price this year? I think it was $15 last year.
by z0r
Tue Oct 23, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19048

Re: Talk me out of buying a Tesla Model 3

Your 70A subpanel will work fine depending on the other big loads in your house and how often they're used (electric heat, AC, dryer, electric oven). The good news is my condo has no other large electrical loads other than central A/C (240V/30A breaker). All the appliances are gas. The bad news is ...
by z0r
Tue Oct 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19048

Re: Talk me out of buying a Tesla Model 3

Update from OP: I decided to go through with the order. New delivery date is this Saturday. The charging situation at my home is complicated. I've talked to one electrician and I'm about to get a quote from a second. It's probably going to be expensive. I'll explain why. I live in a condo. There's ...
by z0r
Mon Oct 22, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1365

Re: Sequoia or Land Cruiser

What are your requirements? Land cruiser is made for luxury off roading and long service life/durability. Do you frequently go on safari? Then it's perfect. Sequoia is made for towing while also seating 8. Both are enormous and get poor gas mileage, even worse than competitors because Toyota is behi...
by z0r
Wed Oct 10, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3556

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Bought the zoom zoom today. Take a drive, very agile FWD hatchback. Wind and tire noise is a bit high. I like the little sporty Mazda3. Come from SUV, now really appreciate the small sedan. Quick and dynamic. Will get a set of snow tire for snow season. good choice! I do chuckle when I see that nob...
by z0r
Tue Oct 09, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3556

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Consider the Ford focus. Depending on the model year it's the same car as the Mazda 3 with different options. And yeah it's a tank with snow tires and has the ground clearance of a bigger car. Could save a bunch of money vs the mazda as the focus isn't as sought after. You'll also be limited to the ...
by z0r
Sat Sep 01, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3401

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

wifi vs. ethernet depends on your neighborhood, many denser locations make wifi unusable for things like file transfers, even good wifi. People with shared walls in an affluent place (lots of streamers) are most likely to have wifi problems. get the best cable but you can skimp on the keystone jacks...
by z0r
Wed Aug 29, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 4938

Re: Knob and Tube rewire cost

**Note that this is only safe if using generously-sized metal junction boxes which can easily dissipate any heat-build up through their walls. Plastic / fiberglass boxes require ventilation because they do not conduct heat well. Can you give an NEC rule number or a link to manufacturer guidance for...
by z0r
Wed Aug 22, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Trouble Accepting DLS Cost
Replies: 7
Views: 1649

Re: Trouble Accepting DLS Cost

Go over to Yahoo finance and run a graph comparing the performance of DLS and VSS since the inception of DLS. That should get you into VSS real quick. [...] How has this argument-by-backtest worked out since 2012? Hint: you'd reach the opposite conclusion today. I'm not sure there's a a lesson here...
by z0r
Tue Jul 10, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6041

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

alignment at 3 years/ 8k indicates a serious quality problem that should have been handled under warranty. unless suspension parts are worn, broken, or serviced for other reasons they don't just move and need alignment. my car has the factory alignment at 125k and the tires wear evenly and it tracks...
by z0r
Tue Jul 10, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6041

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

You can buy an inexpensive water tester for brake fluid. my fluid passed this test easily at 7 years, so I didn't change (as my specific car's service interval also was not up). I continue testing every year and my fluid looks good, passes the test, and brake performance is good (10 years now). I li...
by z0r
Tue Jun 19, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's 8:4:5:3 ratio
Replies: 21
Views: 2960

Re: Bill Bernstein's 8:4:5:3 ratio

The Four Pillars of Investing was published in 2003. Let's compare two 60/40 portfolios, using PortfolioVisualizer's asset class definitions, from 2003 through the present. For the 40, we will use "Total US Bond Market." For portfolio 1, blue, we will split up the 60 according to his ratios: 24% US...
by z0r
Sun Jun 17, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5715

Re: A vehicle that "sits up" but can't afford CRV

command seating means less and less these days as the roads are cluttered with tall cars with very small windows with lots of tint (can't see through them anymore)

once we're all driving tall-for-2005 cars, will this become an arms race? Will the cars just keep getting taller?
by z0r
Tue May 29, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 52
Views: 4530

Re: 13-year old Civic. Replace, or keep sinking money into it?

Thoughts? Safety features have improves a lot and your current 2005 may not even have ESC which is a very important feature to have. The airbags and crash designs have also generally gotten a lot better too. If you buy a used car then getting getting one with ESC, which became standard in 2012, wou...
by z0r
Wed May 09, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Guideline 401k
Replies: 23
Views: 3373

Re: Guideline 401k

yes, just fill in new percentages. it takes a few days to update Hmm interesting. I was hoping to be able to lump in one asset class in taxable for example, and use an overnight exchange-order in the 401k to rebalance. Does this also mean it self rebalances to the percentages? Yeah. Maybe they are ...
by z0r
Sun May 06, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Guideline 401k
Replies: 23
Views: 3373

Re: Guideline 401k

odd name. America's best 401k is the federal TSP
by z0r
Sun May 06, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Guideline 401k
Replies: 23
Views: 3373

Re: Guideline 401k

yes, just fill in new percentages. it takes a few days to update
by z0r
Wed Mar 21, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97077

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

op: I wouldn't worry about it, consumer reports tells us your car is highly likely to go 200k miles:

https://www.consumerreports.org/car-rel ... nd-beyond/

(why does anyone even bother with CR anymore?)
by z0r
Sun Nov 19, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 4684

Re: Oregon makes you save, unless you object. NYT article

This is atrocious. Oregon has a long, sad history of this sort of thing: Great idea; horrific execution. That could be the motto on the state flag. Well-meaning folks who do not quite understand the problem, ultimately falling prey to (clever) corporate self-interest. State spent $5 billion designi...
by z0r
Wed Nov 15, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2731

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

... I have gotten extremely skilled at waving a towel in front of my smoke detector while my wife and children huddle in the corner and ask whether the house is going to burn down. OMG! It sounds like you have a fire hazard. People are trying to tell you about it, but you are ignoring them. :!: Fir...
by z0r
Tue Nov 14, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2731

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

LG has a line of OTR microwaves with powerful fans and an extending tray to get more collecting area: http://www.lg.com/us/cooking-appliances/lg-LMHM2237ST-over-the-range-microwave by the numbers, they're better than some builder-grade dedicated hoods. I demoed one in home depot and plan to use this...
by z0r
Sat Oct 28, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1818

Re: Repair (new engine) 2005 Mazda 3?

These are brilliant cars and worth repairing. We have three 2005-2007 focuses in the family (essentially the same car and same engine). Extremely reliable engine, normally needs nothing except oil. I love them so much I just bought a wrecked one (making four) to race in the 24 hours of lemons. I wou...
by z0r
Sun Mar 26, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 6675

Re: Anyone replaced a pickup with an SUV?

The Ridgeline seems like it may be a unicorn. I can't find any other vehicle with at least 48" between wheel wells and a max of 210" long. Most of these trucks and SUVs under ~210 long are 75-79" wide so they ought to be able to do it. They just don't. I seem to remember station wagons in the 70's ...
by z0r
Wed Sep 28, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5945

Re: Remodel blunter: kitchen design flaw. What can I do now?

Possible but bad workaround is to saw out the wall between dishwasher and sink cabinet to make space for the plumbing and faucet hookup. This is the answer. Sawzall those two side walls of the 12" box as needed. The sink will be fine, it's supported by the solid countertop, which will still have pl...
by z0r
Tue Jul 19, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 4493

Re: Hatchback to match Camry on price/comfort/reliability?

Can't mention the mazda 3 without mentioning the ford focus. Because of a design sharing agreement the two cars were nearly identical between 2000-2011 model years (engine and platform), same 0-60 times with the 2.0, skidpad results, etc. Current model years have diverged but they still share DNA. M...
by z0r
Mon Jun 20, 2016 2:21 am
Forum: Personal Consumer Issues
Topic: What would be the best way to sell this software?
Replies: 80
Views: 5195

Re: What would be the best way to sell this software?

The idea that the app will be hard to use unless it has an office 2007 ribbon bar is ridiculous. Qt is fine. If you let people download the executable then you need to sell it with a one-time fee or the license just won't fit. An AWS remote desktop thing would let you make a different license style ...
by z0r
Sat Feb 13, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 12540

Re: Vacation Homes

I am a appraiser, so I have a different point of view. I own and live in a second home subdivision. 90% of the properties are weekly rentals. I am in North West FLorida in a area typically referred to as So Walton. You missed the boat. I bought a brand new house 3 years ago for $440k. Have it on th...
by z0r
Thu Feb 04, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Cost of home addition? Should I do it?
Replies: 46
Views: 5959

Re: Cost of home addition? Should I do it?

4. Do not DIY anything. Do not DIY architect. Do not DIY GC. This is too big of a job for amateurs. You likely don't have a list of subs you can call and reschedule as needed, have no history with subs, know what's needed by code, permits, etc. There is a premium to be paid for a good GC or archite...
by z0r
Sat Oct 24, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: How much would it costs to replace knob and tube wiring?
Replies: 10
Views: 2648

Re: How much would it costs to replace knob and tube wiring?

forgot to add, I already had a modern electrical panel with 200A service. If you have a fuse box or similar, or limited current service, fixing that can add greatly to the cost. So my house (hypothetical $10k) probably represents the lowest possible cost/ best situation for a knob and tube swap.
by z0r
Sat Oct 24, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: How much would it costs to replace knob and tube wiring?
Replies: 10
Views: 2648

Re: How much would it costs to replace knob and tube wiring?

I did this work myself on my own house. It matters greatly whether you have an open space above or below each floor you're re-wiring (in my case I had a good crawl space and also a spacious attic). The open space lets you run new wire in the clear and then drill down or up through the walls and fish...
by z0r
Mon Oct 05, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: iPhone6 or Samsumg Galaxy S5?
Replies: 16
Views: 1910

Re: iPhone6 or Samsumg Galaxy S5?

Wannaretireearly wrote:SAR ratings: https://www.rfsafe.com/samsung-cell-pho ... ll-phones/

This is the reason i switched from iphone to Samsung
both emit zero ionizing (evidence based harmful) radiation
by z0r
Thu Oct 01, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Trolling motors - how well do they work?
Replies: 18
Views: 2198

Re: Battery Powered Trolling motors - how well do they work?

I think a used jetski is perfect. Doesn't have to be high performance. Won't be a niche thing like the mokai so it will cost a lot less. Unfortunately most of the cheap old used ones are 2-stroke so they're big polluters.
by z0r
Thu Oct 01, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Trolling motors - how well do they work?
Replies: 18
Views: 2198

Re: Battery Powered Trolling motors - how well do they work?

displacement-mode boats (virtually all human powered boats) take very little energy to get to their "hull speed" and vastly increased energy to go above hull speed. The 40lb minn kota I use tops out at around 200-250 watts, which is more than a human can sustain for very long, but not enough more to...
by z0r
Thu Oct 01, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Trolling motors - how well do they work?
Replies: 18
Views: 2198

Re: Battery Powered Trolling motors - how well do they work?

distance: using lead acid batteries it's very hard to measure remaining capacity using a simple volt meter, because the discharge curve is extremely flat and it's affected a lot by load. the only ways you'll know are by testing, or by using something like this wired inline: http://www.rc-electronics...
by z0r
Thu Oct 01, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Trolling motors - how well do they work?
Replies: 18
Views: 2198

Re: Battery Powered Trolling motors - how well do they work?

this guy has popularized putting them on kayaks with foot pedal steering, and ideally a remote electronic speed control: http://bassyaks.com/ you can set your own kayak up the same way just by studying the pictures (or see the texas kayak fisherman forum for plenty of how-tos that predate the bassya...
by z0r
Thu Aug 27, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: magazines for frequent-flyer miles ripoff
Replies: 20
Views: 3301

Re: magazines for frequent-flyer miles ripoff

not exactly the same thing, but puts a number on the cost to read fine print: to read all website privacy policies that you'll typically see, about one month a year http://www.npr.org/sections/alltechconsidered/2012/04/19/150905465/to-read-all-those-web-privacy-policies-just-take-a-month-off-work bu...
by z0r
Sat May 09, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: New Math for Retirees and the 4% Withdrawal Rule
Replies: 96
Views: 16787

Re: NYT article on 4% retirement

That is the truth Nisi but you have omitted a very important consideration. While we know that the SS component of your retirement has a CPI-U COLA a simple traditional 3% inflation rate would have reduced your real dollars year by year so that your end withdrawals would be worth near 10% of what t...
by z0r
Mon Jun 24, 2013 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 11381

Re: Are hybrid cars cost effective?

tyrion wrote:The prius also has nice technology features. All cars have come a long way in this area, but do measure the perks of the prius when compared to your benchmark. Bluetooth phone and audio, keyless ignition, etc.
You can add aftermarket bluetooth phone/audio for $100 to virtually any car.
by z0r
Wed Jun 05, 2013 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card bonuses going down?
Replies: 22
Views: 2700

Re: Credit card bonuses going down?

there are 50k offers around still but they're currently direct-mailed (the card issuer selects you somehow from a database). united and delta sent mail a month or so ago and southwest does it once or twice a year. it can be best to wait for the mailers 50k will get a round trip coach mid tier on del...
by z0r
Wed Jun 05, 2013 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: renter's security deposit
Replies: 11
Views: 1740

Re: renter's security deposit

yeah that's what I mean. "cheesepep" seemed to be saying you could kiss your deposit goodbye because 14 years would lead to all sorts of things they'd want to keep it for. I'm saying that just isn't how it works, and in fact, over time, a larger range of things is forgiven.
by z0r
Wed Jun 05, 2013 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: renter's security deposit
Replies: 11
Views: 1740

Re: renter's security deposit

cheesepep wrote:I doubt that you will get anything back. 14 years of renting will definitely lose out on that $400+interest.
in general, in most places, the longer you occupy the more "normal wear and tear" is assumed to cover. 14 years is long enough to forgive most anything
by z0r
Wed Jun 05, 2013 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Selling a diamond ring
Replies: 10
Views: 2075

Re: Selling a diamond ring

A local consignment shop takes a 40% cut. Does that mean the seller gets ~wholesale and the buyer pays 1.66x wholesale (1/.6)? What's the best way to buy?
by z0r
Thu May 23, 2013 7:34 pm
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 19988

Re: Long Distance Walking

detroitbabu wrote:Appalachian Trail in the US. It is on my bucket list.

http://www.appalachiantrail.org/
read this book before you hike, it's the lightweight backpacking bible: http://www.rayjardine.com/ray-way/Trail-Life/index.htm
(and consider the PCT instead, it covers much nicer terrain)
by z0r
Fri May 17, 2013 12:41 am
Forum: Personal Consumer Issues
Topic: climbing rope recommendations?
Replies: 17
Views: 2340

Re: climbing rope recommendations?

I usually just buy on cost and if I can handle it, softness/handling. but really just cost.

REI with a 20% coupon, or I've used http://www.gearexpress.com/ a few times and they're really hard to beat on price and stuff comes quickly
by z0r
Tue May 14, 2013 11:01 am
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19763

Re: Books that have actually changed your life, in a way.

The Mission, The Men, And Me by Pete Blaber. I read a lot of .mil crap and this is one of the only books that has contained generalized lessons that I can use in the rest of my life. The biggest one: when making a decision, be ready to admit that you don't have enough information. Make a decision to...
by z0r
Mon Mar 11, 2013 4:15 pm
Forum: Personal Consumer Issues
Topic: tiny cheap server [Raspberry Pi]
Replies: 24
Views: 4578

Re: tiny cheap server [Raspberry Pi]

new use for mine: ebay bid sniper. With openjdk-7-jre installed (in package manager) it can run jbidwatcher acceptably. I sit it on a desktop and set it through VNC (there's no way to get it to run as a daemon anyway). The raspberry pi is a bit stressed doing this- it takes about 20% cpu at idle - b...
by z0r
Sat Mar 09, 2013 3:32 pm
Forum: Personal Consumer Issues
Topic: tiny cheap server [Raspberry Pi]
Replies: 24
Views: 4578

Re: tiny cheap server [Raspberry Pi]

some with and some without, it has no trouble with the CPU load
by z0r
Sat Mar 09, 2013 2:18 pm
Forum: Personal Consumer Issues
Topic: tiny cheap server [Raspberry Pi]
Replies: 24
Views: 4578

Re: tiny cheap server [Raspberry Pi]

mine is a torrent downloader (transmission-daemon) and nas (samba). Most consumer grade nas products are garbage so being able to make one for $35 plus an external USB drive is pretty fantastic. And it only takes 2 watts and doesn't boot from a spinning disk, so it's way better than an old PC sittin...