Search found 139 matches

by z0r
Sat Jan 11, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: T-mobile coverage difference with 600MHz phone
Replies: 9
Views: 1051

Re: T-mobile coverage difference with 600MHz phone

I was late getting a phone with their 700MHz band 12, it made an enormous difference outside of cities, so I expect another bump with 600MHz. Inside large cities I didn't notice a difference. If I had coverage troubles today I'd upgrade again since I use an Android phone and there are plenty of low ...
by z0r
Sun Jan 05, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: Notes on International small-cap as of 2019
Replies: 47
Views: 3354

Re: Notes on International small-cap as of 2019

Doc wrote:
Sun Jan 05, 2020 1:17 pm
jeffyscott wrote:
Sun Jan 05, 2020 12:59 pm
I thought that all international funds now used fair value pricing to prevent "time zone arbitrage", which was part of the early 2000s Mutual Fund scandals.
https://ideas.repec.org/h/unt/ecchap/ti ... chap8.html
great paper, thank you
by z0r
Wed Dec 18, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12025

Re: I'm thinking DeLorean, aren't you?

We have two pickups because we use them as pickups - I have no idea how I could work with this design truck: - cargo area forward with high sides, no access - rear vision blocked by small window , towing and backing - lack of side mirrors , towing and backing - no stake bed sides, tool boxes, ladde...
by z0r
Tue Dec 17, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Former Military Protecting Assets for MBA Financial Aid?
Replies: 20
Views: 1197

Re: Military Officer Sheltering Assets for Elite MBA Financial Aid?

TheCav14 wrote:
Tue Dec 17, 2019 3:12 pm
I will get Post-9/11 GI Bill benefits, but only about $60k since I don't qualify for 100%. I'll still be qualified for financial aid, and I want to maximize it.
shouldn't you get 100%? are you a reservist on active duty for a short time?
by z0r
Tue Dec 17, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 5813

Re: Quality Power-Tool Brands

Milwaukee. it gets deeply discounted in combo deals at home depot and through gray market sellers on eBay. after discounts it's easily the best value and greatest range. any brand you might name that's "better" is going to have some range limitation
by z0r
Fri Dec 13, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1327

Re: Used Commuter Car

Thinking a hybrid is going to be best bet? Need recommendations to research. Is the commute mostly highway miles? If so, a hybrid is likely an economically poor decision (may not matter to you). I would just buy a run of the mill Camry/Accord. Still gets great highway mileage but generally has lowe...
by z0r
Fri Dec 13, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1327

Re: Used Commuter Car

Thinking a hybrid is going to be best bet? Need recommendations to research. Is the commute mostly highway miles? If so, a hybrid is likely an economically poor decision (may not matter to you). I would just buy a run of the mill Camry/Accord. Still gets great highway mileage but generally has lowe...
by z0r
Fri Dec 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Used Commuter Car
Replies: 46
Views: 1327

Re: Used Commuter Car

prius is the standard for this. you can get an excellent 3rd gen (2010-2015) with maybe 80k miles for $10k. all model years are basically good as long as you don't let them run out of oil and understand that some portion of your gas savings will eventually get used to do hybrid/battery repairs (but ...
by z0r
Sun Dec 08, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3788

Re: Preventative car maintenance (oil changes) costs

I won't use anything but an oem filter. Walmart is carrying ford oem filters now and for others use eBay or Amazon

Walmart house brand synthetic plus the 2x/year Mobil 1 rebate keeps me in oil. hard to beat $13 after rebate for 5qt Mobil 1 even if its numbers are only average
by z0r
Fri Dec 06, 2019 1:51 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says 30 years Roth IRA to 1.3 million?
Replies: 239
Views: 21355

Re: Dave Ramsey says 30 years Roth IRA to 1.3 million?

What am I missing? inflation for your date range (after 91 we get more or less "modern era"-type inflation) 1991 5.65% 1990 5.20% 1989 4.67% 1988 4.05% 1987 1.46% 1986 3.89% 1985 3.53% 1984 4.19% 1983 3.71% 1982 8.39% 1981 11.83% 1980 13.91% 1979 9.28% 1978 6.84% 1977 5.22% 1976 6.72% 1975 11.80% 1...
by z0r
Thu Dec 05, 2019 1:46 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says 30 years Roth IRA to 1.3 million?
Replies: 239
Views: 21355

Re: Dave Ramsey says 30 years Roth IRA to 1.3 million?

The 12% numbers he uses are based upon the PERFORMANCE RETURNS of the mutual funds he owns. He is not pulling them out of thin air. I own Fidelity Blue Chip Growth and the fund return since 1987 is 11.87%. I don't think it will do that going forward all the time, but that's a pretty long and strong...
by z0r
Tue Nov 26, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12025

Re: [Tesla truck]

yeah, and if it gets a rematch it'll be against the ford electric f-150 which might just launch sooner than this thing
by z0r
Tue Nov 26, 2019 10:52 am
Forum: Personal Investments
Topic: Targeting International Small Cap Value
Replies: 30
Views: 1721

Re: Targeting International Small Cap Value

Illiquid is the wrong term, if you accept the market maker's spread you can buy or sell as much as you want. Listen to these podcasts to learn more, one of them, I forget which, specifically addresses the shortcomings of a "tradability" score. https://www.bloomberg.com/news/audio/2018-11-28/the-uns...
by z0r
Tue Nov 26, 2019 9:57 am
Forum: Personal Investments
Topic: Targeting International Small Cap Value
Replies: 30
Views: 1721

Re: Targeting International Small Cap Value

Are you guys concerned about AVDV being illiquid? I would be... AVDV Tradability Avg. Daily Share Volume 12,679 Average Daily $ Volume $647.95K Median Daily Share Volume 9,628 Illiquid is the wrong term, if you accept the market maker's spread you can buy or sell as much as you want. Listen to thes...
by z0r
Sun Nov 24, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12025

Re: [Tesla truck]

tesla s/x are already pretty outsize (almost as wide as an f150): 196-198" long 77-79" wide. I already wouldn't want to be parallel parking one without the synthetic overhead view you can get on many cars now truck is 231" long 80" wide, it's going to fit fewer parking spots than s/x by length but t...
by z0r
Sun Nov 24, 2019 2:23 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 222
Views: 25480

Re: Ex DFA CIO launches competitor which will also have ETFs

I moved a bunch into their ISV and EMV funds a few weeks ago, basically swapping from VSS/VWO. I didn't do the level of due diligence most in this thread are looking to achieve; this will be my little sin for 2019. The expense ratios and spreads are low enough plus free trades at vanguard that I don...
by z0r
Fri Nov 22, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 34
Views: 3356

Re: Apple TV vs Competitors

if you're already considering a $180 device, the nvidia shield is the best streamer for power users. there is a new model out and I'm hoping to score an old one on sale next week
by z0r
Mon Nov 11, 2019 12:13 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 222
Views: 25480

Re: Ex DFA CIO launches competitor which will also have ETFs

these ETFs are perfectly liquid if you don't mind accepting the market maker's spread which isn't too bad, they have a good market maker. only difference from a more frequently traded etf is you're less likely to get another investor to meet you in the middle of the spread. imo same rules apply, use...
by z0r
Fri Nov 08, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Car folks! Bottom of depreciation curve right now?
Replies: 20
Views: 3669

Re: Car folks! Bottom of depreciation curve right now?

1st gen cts-v. 2nd gen is getting cheaper too

1st gen boxster can be a pretty incredible value, for what it is
by z0r
Fri Oct 18, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15883

Re: I bought a STOLEN vehicle!!!

Regarding VINs, on my current vehicle it is easily visible through the windshield and on the frame of the car where the driver’s door fits. I also have a recollection that it is engraved/mounted somewhere on the engine. Is there any where else it should be checked? Cars usually have the VIN scatter...
by z0r
Tue Oct 08, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1517

Re: Hybrid w/CVT or Non-Hybrid 8 speed

oh and, being basically a single gear transmission, not even with a reverse, they are usually very reliable
by z0r
Tue Oct 08, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1517

Re: Hybrid w/CVT or Non-Hybrid 8 speed

I've heard that hybrid CVTs are a different beast than non-hybrid CVTs. No similarities over than the name but I'm no expert. this is accurate, most hybrids use a single fixed gear ratio transmission with a motor/generator on the input and another on the output, and create different effective gear ...
by z0r
Sun Oct 06, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Broken driver-side window. What to do?
Replies: 30
Views: 2648

Re: Broken driver-side window. What to do?

roll down door windows are easy to change on your own, it's a sub part of doing a window motor which is a common diy job. my local wrecking yard charges $40 for a door window which seems high. I've had a couple replaced by window companies after break ins but if I ever have another go I'll do it mys...
by z0r
Wed Sep 25, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3661

Re: Where do you buy parts for DIY Auto repairs

But I mostly agree on the assessment: HF shouldn't be used for precision or safety critical items. For example, I use a cheapie HF torque wrench for installing wheels where +/- 10% on torque is not an issue. I have an expensive Snap On torque wrench I bought for an engine build where everything nee...
by z0r
Sun Sep 22, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6787

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car. This is not correct. AAA has a guide that describes how to properly set mirrors: https://s...
by z0r
Sun Sep 22, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12221

Re: Anyonw driving Uber for fun and pocket money in retirement?

Somebody mentioned a 2017 Ford Focus 1L, 3-cylinder Ecoboost. Here is what edmunds.com says the 5-year cost to own is, 15,000 miles per year. Used 2017 Ford Focus Cost to Own :Ownership Costs: 5-Year Breakdown Total cost $26, 612 / 75,000 miles. = 35.48 cents per mile. So if you added 250 miles to ...
by z0r
Sun Sep 22, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12221

Re: Anyonw driving Uber for fun and pocket money in retirement?

When the 1.0L turbo + manual focus launched I was super interested (I have two 2nd gen manual focuses, and they were discounting these to 12k or so at one point). Early reviews said it could get 40+ mpg if you drove very carefully but if you drove like a typical uber driver it could actually get les...
by z0r
Wed Sep 18, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12221

Re: Anyonw driving Uber for fun and pocket money in retirement?

For any true thrifty Bogleheads here: You are required to have a certain model year vehicle (re: Newer) to be an Uber driver. For those of us who drive partially rusted clunkers with no monthly car payment, consider this as part of your cost. My 10-year old, 8 passenger, hybrid SUV does not qualify...
by z0r
Tue Sep 17, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12221

Re: Anyonw driving Uber for fun and pocket money in retirement?

I, uh...

the "app on and waiting for ride" gap is literally what the $5/month "rideshare gap" coverage covers, it extends your ordinary insurance to these few minutes. these are your bullet points 1 and 2

bullet point 3, I agree that 250k uninsured coverage is not too bad
by z0r
Mon Sep 16, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12221

Re: Anyonw driving Uber for fun and pocket money in retirement?

post script: out of interest I called one well-known car insurance provider..once you're an Uber driver you are instantly a "commercial" driver and your policy costs quadruple (in my case). Yikes. But you're taking a huge risk without the right insurance. For fun, I checked with my insurance carrie...
by z0r
Wed Sep 11, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1919

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I just switched my prius from lrr to high performance all seasons (had these extra from an autocross car) and lost 1mpg. This is both very telling and interesting. Going to extremely sticky performance tires would make one think you'd see a huge drop in mileage, but only 1 mpg is really a big "who ...
by z0r
Wed Sep 11, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1919

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I tried tracking this very carefully on my focus after a switch. I had about a 3% difference lrr to regular all seasons, barely broke even or maybe lost a little with tire cost difference, and went back to regular tires after. I just switched my prius from lrr to high performance all seasons (had th...
by z0r
Thu Aug 29, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 2062

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

it shouldn't be too hard to locate the electrical connector for this module, unplug it, clean the contacts, and reinstall. That would be my service expectation at this point, but if I couldn't get the dealer to do it I'd probably do it myself. The Honda scan tool will normally have more detailed inf...
by z0r
Sat Aug 03, 2019 1:26 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5539

Re: Are all models of Toyota generally considered reliable?

toyota is unique among car makers in terms of having all of their models be reliable. they're the only one. so, yes some of their cars are [poor quality --admin LadyGeek] for reasons other than reliability though. for example, the yaris/prius C are tragically unsafe. and most of their cars are not f...
by z0r
Fri Aug 02, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 79028

Re: Talk me out of buying a Tesla Model 3

I run a 15 year old commuter car in the 24 hours of lemons (google it, it's awesome). It's faster around the track than any electric car ever made, when you figure the race runs 8 hours straight and no electric car can keep up when accounting for the low range when running hard and the need to charg...
by z0r
Wed Jun 26, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: How discount brokerages make money
Replies: 18
Views: 2548

Re: How discount brokerages make money

Quoting a comment from Hacker News: I wouldn't pay much attention to what people on HN say about finance. It is far outside their collective area of expertise (not that that ever stopped any forum thread anywhere on the Internet). I agree with this, actually one of the listed motivations for the ar...
by z0r
Tue Jun 25, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: How discount brokerages make money
Replies: 18
Views: 2548

Re: How discount brokerages make money

here is probably the main discussion thread on the article, and one the author is likely to read and respond to:

https://news.ycombinator.com/item?id=20276551
by z0r
Fri Jun 14, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3911

Re: Buy Mini-Van Tomorrow or No?

I vote, no. Save more and buy a brand with a better reputation: Honda Toyota Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this ...
by z0r
Fri Jun 14, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3911

Re: Buy Mini-Van Tomorrow or No?

I vote, no. Save more and buy a brand with a better reputation: Honda Toyota Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this ...
by z0r
Thu Jun 13, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3911

Re: Buy Mini-Van Tomorrow or No?

I vote, no. Save more and buy a brand with a better reputation: Honda Toyota Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this ...
by z0r
Wed Jun 05, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 4246

Re: New Roof - to RidgeVent or to not RidgeVent

I've done two roofs myself, one with regular vents and one with ridge vents. The ridge vent roof was easier by far, literally you just shingle to the peak and then cut the vent channel in one pass with a regular circular saw, shingles and wood at once. Regular vents kill you with tons of detailed tr...
by z0r
Thu May 30, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Is there a free Carfax available?
Replies: 27
Views: 2802

Re: Is there a free Carfax available?

This is a bit of a cheat, but you can add a car to "my garage" on mycarfax.com and see limited info (not as much as a paid Carfax). I think this also relies on nobody else claiming the VIN before you. there are a couple free VIN checks referenced here as well (links in the used car inspection sheet)...
by z0r
Thu May 30, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 2310

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

The 10.8/"12"V brushless tools of today are adequate for 95% of jobs. The lighter weight and compact size makes them the go to and then the 18/"20"V tools are only a backup, if you have both. If someone is willing to only buy newer high power 10.8/"12"V stuff it could easily be the only thing needed...
by z0r
Wed May 29, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 2310

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

Between the two I would choose Bosch. but I'd recommend milwaukee M12 especially if you live near a home depot. They regularly sell the drill+driver kit for $200 with s bonus tool, in fact it's available now. You can also get Milwaukee on eBay at a discount. Given all the discounts if you're patient...
by z0r
Fri May 17, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 4200

Re: Should I replace Prius Hybrid Battery?

What about safety features on the newer models versus yours? I hung on to an old car a really long time (still kind of miss it) but finally agreed to buy a new car when I realized the old car was way behind on safety features, like number and location of airbags, etc... nice, no bogleheads car thre...
by z0r
Thu May 16, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1925

Re: More car buying advice

Thanks everyone for the replies. I'm waiting on a pre purchase inspection on the 2016 and if that comes back good chances are I'll buy it. The Carfax indicates it was rear ended and the airbags didn't deploy, so hopefully it will end up being nothing. As I'm in the mountains, the nearest large car ...
by z0r
Tue May 07, 2019 2:25 am
Forum: Personal Consumer Issues
Topic: Roku
Replies: 37
Views: 4816

Re: Roku

nvidia shield is better than any roku. costs a bit more but worth it for no lag ever and a plethora of power user features
by z0r
Thu May 02, 2019 12:07 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 10133

Re: My solar investment experience

I live in sunny Arizona and this does not make financial sense as I am in "SRP" territory (local power company) and they jack up the rates for solar customers with peak charges. I've tried 3 times, but each time the calculation ends up with me paying more with solar than without. Mind boggling. If ...
by z0r
Wed May 01, 2019 1:28 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 10133

Re: My solar investment experience

I live in sunny Arizona and this does not make financial sense as I am in "SRP" territory (local power company) and they jack up the rates for solar customers with peak charges. I've tried 3 times, but each time the calculation ends up with me paying more with solar than without. Mind boggling. If ...
by z0r
Fri Apr 26, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13100

Re: Who is buying 1-3 year old used Toyotas and Hondas?

What I read in Consumer Reports puts it pretty close to Toyota and Honda. The 2017 Mazda 3 (the one I will most likely get) got a 5/5 reliably rating from them. Maybe Mazda reliable it just a well kept secret. :wink: Mazda is a well kept secret and the 3 is maybe their best model. Older 3s went the...