Search found 212 matches

by Inframan4712
Sat Oct 31, 2020 6:46 am
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 39
Views: 5026

Re: Free powerwall worth it?

Not CA (MA) and not Powerwall (Sonnen), but we lost power at 6PM yesterday (shortly after the most dramatic storm I’ve ever witnessed), and no ETA for grid restore. We had AC and fridge through the night. Priceless even at significant cost. For free, are you kidding??? This. I paid for my PowerWall...
by Inframan4712
Fri Oct 30, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 39
Views: 5026

Re: Free powerwall worth it?

Not CA (MA) and not Powerwall (Sonnen), but we lost power at 6PM yesterday (shortly after the most dramatic storm I’ve ever witnessed), and no ETA for grid restore. We had AC and fridge through the night. Priceless even at significant cost. For free, are you kidding??? This. I paid for my PowerWall...
by Inframan4712
Sun Oct 18, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Should I get a ping pong table?
Replies: 67
Views: 3152

Re: Should I get a ping pong table?

The one in our basement gets used anytime we have extra teenagers, young adults, relatives in our house. It’s a nice activity at large gatherings.

Day to day it does not get used. But it folds up and rolls so no big deal.
by Inframan4712
Fri Oct 16, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Chromebook and Zoom - very poor audio quality [RESOLVED!!!]
Replies: 17
Views: 1051

Re: Chromebook and Zoom - very poor audio quality

Try earbuds or headphones. I do have a set that I use with my Walkman. Do I just plug it into the Chromebook's headset jack? Even better if they have integrated mic. "they" meaning the headphones or my pc? Sorry as you can tell I am technically challenged. Yes, just plug into chromebook. Some headp...
by Inframan4712
Fri Oct 16, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Chromebook and Zoom - very poor audio quality [RESOLVED!!!]
Replies: 17
Views: 1051

Re: Chromebook and Zoom - very poor audio quality

Try earbuds or headphones. Even better if they have integrated mic.

Could also try softening acoustics in room with curtains or other soft wall hangings.
by Inframan4712
Tue Oct 13, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: iPhone Cameras - XS vs 12 Pro Max?
Replies: 5
Views: 415

Re: iPhone Cameras - XS vs 12 Pro Max?

I have an 11 pro max. I’ve had every iPhone since the 3g. Every new generation camera has been better than the previous, and worth the upgrade to me. The advantage of the Max versions is more physical lenses. My 11 pro max has 3. I love being able to take wide angle photos of people in tight spaces....
by Inframan4712
Fri Oct 09, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: recommend CBD brands?
Replies: 11
Views: 661

Re: recommend CBD brands?

Try abstaining from caffeine after 12 noon and see if you sleep better. No TV or screen time after 9.

Get up at 6am everyday. You’ll start sleeping at night.
by Inframan4712
Wed Oct 07, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Apple users, I need help!
Replies: 43
Views: 3793

Re: Apple users, I need help!

I posted before about advice on buying an iMac but haven’t done it yet (spending $2.5k for a desktop and iPad hurts!). I still have a Mid-2017 MacBook Pro. It’s the base, base model with no touchbar and 128GB of storage. I’ve noticed recently that the computer has been struggling with simple tasks....
by Inframan4712
Tue Oct 06, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: APPLE iPad 12.9 Replacement for MacBook Pro & iPad Air
Replies: 49
Views: 3002

Re: APPLE iPad 12.9 Replacement for MacBook Pro & iPad Air

15 or 16" MacBook users who hate the fans, the heat or the weight but still need or want a MacBook should try switching to the 13" For my use cases - Web, Word, Excel, Youtube and minor photo editing, the fans never run, it doesn't get very hot and it just works better for me than when I try to use ...
by Inframan4712
Thu Oct 01, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 86
Views: 7322

Re: Talk me into buying a Tesla Model Y

Yes but would wait about 1 year for build quality kinks to be worked out. That's about how long it took for Model 3 to improve (panel gaps and other road noise issues). There is also this coming soon AND will be eligible for the $7500 fed tax credit. https://electrek.co/2020/09/25/vw-id-4-electric-...
by Inframan4712
Wed Sep 30, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 81
Views: 3632

Re: DSLR camera improvement suggestions

To all the photography enthusiasts here, I have a Canon Rebel EOS XS that I bought about 10 years ago. I have the kit lense 18-55 mm f/3.5-5.6 and have bought a 50mm f/1.8 separately. However, I am not happy with how my pictures look. For some reason, the pictures look dull and don't look lively en...
by Inframan4712
Tue Sep 22, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16062

Re: Physicians: Should I leave my job?

I would stick it out for 3-5 years and make administration think I was as happy as can be. Try to make the best of it. Take up hobbies, explore your rural outdoors. Financially, sticking it out 5 years is the safe and smart move. I know that. I can save aggressively, will have the $125k signing bon...
by Inframan4712
Tue Sep 22, 2020 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16062

Re: Physicians: Should I leave my job?

Also, if your department is billing 1 million and paying you $650k they may be losing money after salaries for all other staff plus facilities costs.

EDIT: whoops. Per month not year as pointed out down below, thanks.
by Inframan4712
Tue Sep 22, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16062

Re: Physicians: Should I leave my job?

Physician here. Setting aside the bait and switch for a moment. The grass is always greener. You work 8-4 with no call and your guaranteed salary is $650k, right? You are at least getting that I assume. Good for you for buying a house that is less than one year of your gross income. No call is huge....
by Inframan4712
Wed Aug 26, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11836

Re: PSA: switch to LED light bulbs and save hundreds per year

Electronics don't like being turned on and off repeatedly due to voltage spikes inside the device and outside the device. Also causes swings in temperature of the electronics, which is also bad for them. We were talking about incandescent light bulbs (original posting about how you could save so ma...
by Inframan4712
Wed Aug 26, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11836

Re: PSA: switch to LED light bulbs and save hundreds per year

Electronics don't like being turned on and off repeatedly due to voltage spikes inside the device and outside the device. Also causes swings in temperature of the electronics, which is also bad for them. We were talking about incandescent light bulbs (original posting about how you could save so ma...
by Inframan4712
Wed Aug 26, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11836

Re: PSA: switch to LED light bulbs and save hundreds per year

Switching bulbs wouldn't / didn't save us hundreds a year - we don't leave our lights on 16 hours a day. Lights go on at night for a few hours and only in rooms we are in. They also have lower A/C costs and chance of fire due to emitting much less heat. This is very noticeable compared to halogen r...
by Inframan4712
Mon Aug 24, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 39
Views: 5026

Re: Free powerwall worth it?

Not CA (MA) and not Powerwall (Sonnen), but we lost power at 6PM yesterday (shortly after the most dramatic storm I’ve ever witnessed), and no ETA for grid restore. We had AC and fridge through the night. Priceless even at significant cost. For free, are you kidding??? This. I paid for my PowerWall...
by Inframan4712
Mon Aug 24, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Free powerwall worth it?
Replies: 39
Views: 5026

Re: Free powerwall worth it?

Not CA (MA) and not Powerwall (Sonnen), but we lost power at 6PM yesterday (shortly after the most dramatic storm I’ve ever witnessed), and no ETA for grid restore. We had AC and fridge through the night. Priceless even at significant cost. For free, are you kidding??? This. I paid for my PowerWall...
by Inframan4712
Sun Aug 23, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11836

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. You might find those 850s are subjectively brighter than the 1000s the...
by Inframan4712
Sun Aug 23, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11836

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. You might find those 850s are subjectively brighter than the 1000s the...
by Inframan4712
Sat Aug 08, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Considering Genesis SUV - any Bogleheads own Genesis vehicles?
Replies: 27
Views: 1815

Re: Considering Genesis SUV - any Bogleheads own Genesis vehicles?

I don't mean to hijack the thread. There is no Genesis dealership near where I live. I don't think there are that many Genesis dealers in the US. Can the local Hyundai dealers service a Genesis? Can Hyundai dealers do warranty repairs if needed? Thanks Yes, they can. I bought a 2015 3.8L Genesis AW...
by Inframan4712
Mon Aug 03, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22975

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

Side note that is directly to the point of this thread: My wife had a small vested pension from her 20's that had been closed down by her employer. When we started down our pre-Boglehead, Dave Ramsey path of snowballing our way out of debt we were VERY tempted to cash out and take the lump sum offe...
by Inframan4712
Mon Aug 03, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22975

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

I would be very surprised if that pension fund is solvent or in existence in 2043. Not sure why you would make that claim since I shared no details about the specific employer/pension fund. Because there are precious few protections for pension holders in the U.S. And not likely for anymore to be e...
by Inframan4712
Mon Aug 03, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22975

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

I would be very surprised if that pension fund is solvent or in existence in 2043. Not sure why you would make that claim since I shared no details about the specific employer/pension fund. Because there are precious few protections for pension holders in the U.S. And not likely for anymore to be e...
by Inframan4712
Mon Aug 03, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?
Replies: 31
Views: 2418

Re: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?

I agree with dynamic cruise control reducing driver fatigue, at least in my experience. My Hyundai Genesis also makes minor steering corrections. Blind spot monitoring is a big stress reliever. With radar blind spot monitoring on my car, unlike cameras on a Tesla, I get warnings if a car is approach...
by Inframan4712
Mon Aug 03, 2020 6:32 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22975

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

Side note that is directly to the point of this thread: My wife had a small vested pension from her 20's that had been closed down by her employer. When we started down our pre-Boglehead, Dave Ramsey path of snowballing our way out of debt we were VERY tempted to cash out and take the lump sum offe...
by Inframan4712
Sun Aug 02, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22975

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

Good thread. I came to this same conclusion independently last year and used it to avoid buying myself the $40k-ish Tesla I have wanted for a long time.

When I explained my reasoning to my teenage boys it was a literal eye opener for them.
by Inframan4712
Wed Jul 29, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3: Leasing the way to go?
Replies: 28
Views: 2849

Re: Tesla Model 3: Leasing the way to go?

I leased an Infiniti several years ago and it was a steal, honestly. Compared to buying new and then selling after 2 years. The numbers were: $299 a month for 18 months, no money down. $0 drive off. For a $45000 car. In 18 months I spent $5400 dollars and got rid of it hassle free. No way I could ha...
by Inframan4712
Tue Jul 21, 2020 5:45 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6064

Re: Walking OK with sun exposure?

We started walking at an outdoor mall nearby.
Early in the morning.
Keep the building between you and the sun

Problem solved.
by Inframan4712
Mon Jul 20, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Dark side of Pretax 401Ks and IRAs
Replies: 90
Views: 8499

Re: Dark side of Pretax 401Ks and IRAs

The lesson here is don't read Kiplinger's. Yeah their investing advice isn't much better than Dave Ramsey! :D The scary part is this article isn't written by some english major. It is written by Mike Piershale, ChFC, is president of Piershale Financial Group in Barrington, Illinois. He works direct...
by Inframan4712
Wed Jul 15, 2020 10:16 am
Forum: Investing - Theory, News & General
Topic: How will the technological singularity affect the stock market?
Replies: 30
Views: 1505

Re: How will the technological singularity affect the stock market?

Stock market? We'll all be dead or slaves. In the period between the rise of AI that is briefly controlled by it's creators, and the end of human civilization, some will get very rich and most very poor. Think High Frequency Trading on steroids. I'm only half kidding. We have a poor track record of ...
by Inframan4712
Mon Jul 06, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 189
Views: 13496

Re: Neighborhood Noise

I think you might find this helpful

https://youtu.be/1d9WmjTJniI

I found it today when setting up my home theater. It’s all about sound isolation from the point of an audio expert.
by Inframan4712
Wed Jul 01, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: Lithium Ion Battery for Golf Cart
Replies: 8
Views: 630

Re: Lithium Ion Battery for Golf Cart

Or buy a used 2015 Nissan Leaf for $8k and have about 60mi range and air conditioning! The range would have been higher when new, but the Leaf thermal management is non existent.
by Inframan4712
Wed Jul 01, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1489

Re: iPhone 7 battery not staying charged full day....

New battery would be ideal but you could also buy a battery case that should do the job. A case and battery all in one.
by Inframan4712
Wed Jul 01, 2020 5:40 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17482

Re: Streaming TV (YouTube TV raising rates AGAIN)

Ouch. Why not go with an antenna? We receive about 50 channels, including all locals for $0 per month. You can add a DVR to live tv as well, if desired. Rural area, antenna would only get a few channels on a good day. Are you SURE? Go here: https://www.antennaweb.org Plug in your zip code. On the n...
by Inframan4712
Sat Jun 20, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla Y
Replies: 15
Views: 1615

Re: Used Tesla S or new Tesla Y

If you check ev-cpo.com regularly you can find a 90D with 50-70k miles but warranty to 100k, for $42-45k. Click on the Price column header to sort by price.

Here is one for $39,900

https://www.tesla.com/used/5YJSA1E24GF124435
by Inframan4712
Sat May 30, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

Chrysler Pacifica. We have one and love it.
It’s the number 2 minivan according to Edmunds. Number 1 and 3 don’t have fold flat seats like the Pacifica.

My wife said absolutely no to a minivan. Until she drove the Pacifica on a whim and she picked it over the SUVs she’d been testing.
by Inframan4712
Sat May 23, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524412

Re: Refinance Mega Thread

Need some tips/guidance here please: I am on a 30 year fixed at 3.5%. Loan dates back to 2012. Was a refinance on the original loan from 2010. So I "lost" 2 years. But it was well worth it! Balance is around $130K. Home value is around $350K. Excellent credit score. AZ based. Goals: I don't want to...
by Inframan4712
Wed May 20, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524412

Re: Refinance Mega Thread

Closed yesterday on my 15yr 2.5% refinance. Only paid escrow - a little less actually since appraisal was waived and lender credits included that, too. So I got paid a few hundred dollars to get rid of my 4% 30 year with 28 years left on it. 79% LTV. Northpointe. Pretty painless. Mind sharing loan ...
by Inframan4712
Wed May 20, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524412

Re: Refinance Mega Thread

Closed yesterday on my 15yr 2.5% refinance. Only paid escrow - a little less actually since appraisal was waived and lender credits included that, too. So I got paid a few hundred dollars to get rid of my 4% 30 year with 28 years left on it.

79% LTV. Northpointe. Pretty painless.
by Inframan4712
Fri May 01, 2020 9:54 am
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3539

Re: How to I invest in the self-driving car industry?

I’m a former software engineer and now a doctor (MD). My nephew who has a doctorate in computer science and works in machine learning agrees with me. Self-driving cars are never ever going to happen. As in never be able to get in your car and drive you to work. Never ever as in not in your lifetime...
by Inframan4712
Thu Apr 30, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3539

Re: How to I invest in the self-driving car industry?

I firmly believe that driver assistance features will get better. Cruise control will get better. I’m about to drive 150 miles, mostly highway. My automatic cruise control and lane keeping features will dramatically lower driver input and fatigue. Those same systems will happily drive me off the roa...
by Inframan4712
Thu Apr 30, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3539

Re: How to I invest in the self-driving car industry?

I’m a former software engineer and now a doctor (MD). My nephew who has a doctorate in computer science and works in machine learning agrees with me. Self-driving cars are never ever going to happen. As in never be able to get in your car and drive you to work. Never ever as in not in your lifetime....
by Inframan4712
Mon Apr 27, 2020 12:54 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11913

Re: How are the "100% Stocks" people doing?

So there is always alot of discussion here about AA and being able to weather the storm. How have the people who were 100% stocks doing? Anybody doubling down? Anybody jumping ship? Sleeping well at night, thank you. Never even thought about jumping ship. 56YO. I’m similar age and sleeping well, to...
by Inframan4712
Mon Apr 27, 2020 11:58 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11913

Re: How are the "100% Stocks" people doing?

So there is always alot of discussion here about AA and being able to weather the storm. How have the people who were 100% stocks doing? Anybody doubling down? Anybody jumping ship? Sleeping well at night, thank you. Never even thought about jumping ship. 56YO. I’m similar age and sleeping well, to...
by Inframan4712
Sat Apr 25, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3571

Re: Unable to Order Work Out Equipment

I bought a Weider frame from Kohl’s online when it was back ordered everywhere else
by Inframan4712
Fri Apr 24, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13245

Re: Moving out of NYC due to pandemic

With education debt and then mortgage payments, the professional class seems to be kept on the brink of ruin until close to middle age. It's not a great way to live. Exactly. This constant need to earn high to keep up with high necessary expenses is very uncomfortable way to live. This. Move to the...
by Inframan4712
Sun Apr 19, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: 30 ARM adjsuting quesion with max 8.625% - shoudl I be refinacne
Replies: 24
Views: 1124

Re: 30 ARM adjsuting quesion with max 8.625% - shoudl I be refinacne

calimero wrote: Sun Apr 19, 2020 4:00 pm ActaullyI have, Northpointe is at 3.25% for 20 with about $400 net closing.
Getting close to no cost. Rates have been up and down. I suggest you email the person you are working with and have him or her contact you when rates are more to your liking.
by Inframan4712
Sun Apr 19, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: 30 ARM adjsuting quesion with max 8.625% - shoudl I be refinacne
Replies: 24
Views: 1124

Re: 30 ARM adjsuting quesion with max 8.625% - shoudl I be refinacne

I have not received any no-cost quotes at this point. For a 20 year I got between 3-3.25% (0 point) with varying amount of fees. Apparently I do qualify for appraisal waiver that helps. Lowest fees I got is $1200 with a 3.125% for a 3.0% I am looking at ~$1800 You are talking to the wrong people. T...