Search found 1068 matches

by killjoy2012
Sun Nov 10, 2013 6:41 pm
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 1427

Re: Advice on how to get a good car lease deal needed

Leasing is more complicated than purchasing, but it's not rocket science -- do your homework and you'll be fine. If you're open to several vehicle models, the homework is more involved since you'd want to compare which models have the best residual compared to each other across the various lease ter...
by killjoy2012
Sun Nov 10, 2013 10:43 am
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 1427

Re: Advice on how to get a good car lease deal needed

My recollection is that you normally pay the tax for the locality that you reside. When buying from a dealer, they'll normally withhold that tax amount, and then when you visit you in-state DMV to license the vehicle, they'll take note of the taxes and credit it through. That's been my experience in...
by killjoy2012
Sat Nov 09, 2013 5:44 pm
Forum: Personal Consumer Issues
Topic: [CryptoLocker] UPDATE Important Info to protect your Data
Replies: 68
Views: 8002

Re: [CryptoLocker] Back Up your files - Back up your files .

A couple people have touched on security, but I would strongly suggest you guys consider how sensitive/confidential the data you're backing up is and what protections are in place to keep prying eyes from gaining access to that data while in the "cloud". Someone mentioned TrueCrypt, which is great, ...
by killjoy2012
Sat Nov 09, 2013 11:34 am
Forum: Personal Consumer Issues
Topic: Hotel/Lodging Deals
Replies: 32
Views: 3711

Re: Hotel/Lodging Deals

http://www.tripadvisor.com is awesome for understanding the city layout & attractions, where hotels are, and reviewing the member rankings & reviews of those hotels. They also have a top notch user forum. When traveling, I always use TA to down select & target my top 1-2 places to stay. However, th...
by killjoy2012
Fri Nov 08, 2013 4:49 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase a Camera... Any Suggestions
Replies: 71
Views: 5193

Re: Looking to purchase a Camera... Any Suggestions

Now is an "interesting" time to be in the camera market as on one end, you have high quality dSLRs that are expensive, but dropping in price monthly. Then, on the other end, you have camera phones literally everywhere and they're quickly improving in picture quality. That said, the G15 is somewhere ...
by killjoy2012
Mon Oct 14, 2013 8:16 pm
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 5630

Re: wi fi range, extenders, Powerline, etc

Adds more complexity how? A cable modem is on or off. There are not other settings or buttons with it. If the Downlink LED on the cable modem is off. You aren't getting a signal. It is as simple as that. It is Comcast's problem. I refused to be scared by their scare tactics. Which is what they are....
by killjoy2012
Sun Oct 13, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 5630

Re: wi fi range, extenders, Powerline, etc

Is Powerline inherently less secure than wireless? Practically speaking, yes. All vendor powerline devices are defaulted to a common password of 'HomePlugAV' per the HomePlug standard. This is because the HomePlug Alliance wants ease of installation and interoperability across all vendor devices. W...
by killjoy2012
Sun Oct 13, 2013 10:14 am
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 5630

Re: wi fi range, extenders, Powerline, etc

Powerline networking exists for convenience, not performance or security. If you're good with that, OK. Personally, I would rather do a little extra work and run an ethernet cable to get all three - speed, reliability, security. Many people overlook the potential security issues that Powerline adapt...
by killjoy2012
Fri Oct 11, 2013 7:06 pm
Forum: Personal Consumer Issues
Topic: Gmail alternative recommendations?
Replies: 81
Views: 21738

Re: Gmail alternative recommendations?

As has been stated a few times above, there is no perfect answer. Hosting your own domain and mail server is certainly the most secure, but also a PITA given the required setup, maintenance and SPAM filtering issues. Services like gmail, yahoo, hotmail are at the opposite end. I hosted my own for ~1...
by killjoy2012
Fri Oct 04, 2013 9:00 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

The Tesla superchargers are actually using solar energy. Some are, some aren't - not all locations have the solar canopies. And those that do, they're not 100% solar powered - it's simply augmentation, as feasible, per the weather and time of day. Just clarifying your statement as it could be read ...
by killjoy2012
Sun Sep 29, 2013 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 31557

Re: Young Guys [and Gals] Making Good Money

Side note, seems like SW sales is the way to go. Everyone and his brother on this forum make 300k and work 30 hours a week. So, uhh, where do I sign up? I wouldn't get too discouraged. Yes, sales guys can make very good money. But I don't see them revealing the "cons" of that type of job either & t...
by killjoy2012
Tue Sep 24, 2013 8:47 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 21554

Re: Replacing rented Comcast cable modem?

What time and headaches are you talking about? You've been so scared off by Comcast that it isn't even funny. I paid $20 for my used cable modem on eBay. It isn't the greatest, but it works fine for my slower internet speed. I have had Comcast for 3 years. When it has gone down, the cable TV went w...
by killjoy2012
Tue Sep 24, 2013 8:09 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 21554

Re: Replacing rented Comcast cable modem?

As an IT guy and a network guy, I'd strongly advise anyone considering buying a modem simply to offset their $5-7 monthly rental fee to seriously ask themselves how much their time is worth, and whether the potential headaches they may be walking into are worth the $50-100 savings over 2-3 years. Th...
by killjoy2012
Tue Sep 10, 2013 7:47 pm
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 3360

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

Question. Is is possible to boot *my old PC from a Linux CD so I can do my taxes online at TaxACT next April? I ask because I can no longer upgrade the browser, and from my experience in past years with TaxACT, I've learned that as long as the browser is supported, then my old PC is acceptable. (Ye...
by killjoy2012
Tue Sep 03, 2013 8:34 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

EVs can charge locally at the home (or business) from solar power with very little loss. Math please - show your work. A solar solution that will provide anything even close to a reasonable recharge time is going cost you significantly more than the vehicle itself. And that assumes you live in a pa...
by killjoy2012
Thu Aug 29, 2013 6:33 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

So, does only the short-to-medium term matter to you ? It's not wrong for government to take a long-term view sometimes, and IMO this is one of those cases. I agree, but I'd argue that fuel cell vehicles are the long term solution -- not EVs, and not a Tesla S. I don't like to generalize, but I thi...
by killjoy2012
Wed Aug 28, 2013 7:37 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

Most of them fail, but we always learn something. I think the Tesla is in this category, <snip>. The infrastructure is just not there. For now it is a trendy and expensive toy. I agree. I think a good analogy is that Tesla is currently the Apple of automotive. However, the big difference is that wi...
by killjoy2012
Tue Aug 27, 2013 7:31 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

Not sure what your comment adds to the discussion. Obviously there are a ton of details to work out. It's a brand new technology. Anyway, I will actually attempt to add to the discussion. At least in early stages, the battery swap was supposed to give you a fully charged, quality-controlled battery...
by killjoy2012
Mon Aug 26, 2013 11:12 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

Very curious how the battery swap might work since right now you own your battery right? If I have a 4 year old Tesla with a battery maybe at 80% max capacity compared to new, I would love to be able to go to a swap station and exchange it for a newer one and let some other sucker get stuck with my...
by killjoy2012
Mon Aug 26, 2013 11:05 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Outlet box ?

I think the received figure for Internal Combustion Engine efficiency is 28%? Note that that number does not include the energy cost of getting the oil out of the ground (usually low), pumping it to the nearest port, carrying it around the world, and then refining it (say another 10-30% on top of t...
by killjoy2012
Thu Aug 22, 2013 5:25 pm
Forum: Personal Consumer Issues
Topic: how to get old vhs/beta tapes onto pc disk
Replies: 8
Views: 1471

Re: how to get old vhs/beta tapes onto pc disk

I have the older version of this and it's worked very well.

http://www.amazon.com/Avid-Technology-D ... ecorder+HD
by killjoy2012
Thu Aug 22, 2013 11:37 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

Another caveat to shorting the stock: My wife and I have owned 4 Range Rovers in a row (5 if you count the Discovery). Our next SUV will be a Tesla X. Don't bet against a product that changes consumer behavior in a big way. Whether or not the stock is correctly valued, I don't know. What's the succ...
by killjoy2012
Wed Aug 21, 2013 6:31 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 193627

Re: Tesla S

I've never purchased or shorted a single stock in my life, but every oz of my body is telling me to short TSLA.
by killjoy2012
Sun Aug 18, 2013 5:27 pm
Forum: Personal Consumer Issues
Topic: International Cell Phone for Vacation?
Replies: 23
Views: 1822

Re: International Cell Phone for Vacation?

If they must have a mobile phone with a phone # and cell minutes, the cheapest solution is to buy/find an unlocked GSM phone (many old ATT phones will work) in the US before you leave, then just buy a prepaid SIM card once you land at the destination. Personally, I use an old Blackberry 9700 that I ...
by killjoy2012
Fri Aug 09, 2013 12:17 pm
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 17055

Re: Negotiating on a price for heating/ac installation

No matter what, I want a high seer high effy. 1 or 2 stage. I will compare the price and see what we want to do. Just a few points to keep in mind: - Efficiency and # of stages are 2 separate things. e.g. you can get a high efficiency single stage, or a low efficiency 2 stage, a he 2 stage, etc.. T...
by killjoy2012
Thu Aug 08, 2013 6:21 pm
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 17055

Re: Negotiating on a price for heating/ac installation

I would strongly suggest listening carefully to the advice that wageoghe provided in this thread. The only change I would make to his advice is that instead of insisting that the contractor perform a Manual J, use that as one of your down selection criteria. In other words, you shouldn't have to tel...
by killjoy2012
Sun Aug 04, 2013 2:02 pm
Forum: Investing - Theory, News & General
Topic: Euro currency question
Replies: 13
Views: 1006

Re: Euro currency question

The dollar has strengthened against the Euro. Europe is expensive in part because of the hidden VAT tax which runs about 20%. It takes about a $1.30 to buy a Euro. At one time it took almost $1.50 to buy a Euro. So even now, your money when converted to Euros and spent in Europe just doesn't seem t...
by killjoy2012
Sun Aug 04, 2013 10:42 am
Forum: Investing - Theory, News & General
Topic: Euro currency question
Replies: 13
Views: 1006

Re: Euro currency question

Well, regarding the exchange rate, the ~$2T in US Quantitative Easing over the past ~4 years doesn't help matters. To put that in perspective, the entire annual GDP of Greece is only ~$200B. When a government prints money out of thin air, it should be no surprise that those dollars are worth less co...
by killjoy2012
Thu Jul 11, 2013 10:12 am
Forum: Personal Consumer Issues
Topic: Problems with AC tripping the electrical breaker need advice
Replies: 14
Views: 1749

Re: Problems with AC tripping the electrical breaker need ad

Sounds like a bad connection -- bulb, socket or switch -- and the vibration from the washer is causing it to flicker. Yes, probably a bad/loose neutral connection somewhere between the receptacle and the panel. Without seeing it, another question would be is whether the washer is a 15A or 20A branc...
by killjoy2012
Sat Jun 29, 2013 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are no foreign purchase fees on credit cards a scam?
Replies: 16
Views: 5026

Re: Are no foreign purchase fees on credit cards a scam?

I agree, CapitalOne has always given me very competitive exchange rates. I don't have historical data to prove it to you, but I always compare the exchange rate my Credit Union gave me throughout the trip for ATM withdraws vs. the exchange rate per cc purchase, and they were always extremely close. ...
by killjoy2012
Fri Apr 19, 2013 11:20 pm
Forum: Personal Consumer Issues
Topic: Exchanging USD to GBP
Replies: 13
Views: 1339

Re: Exchanging USD to GBP

I've traveled to at least a dozen countries in the last 5 years, and I've always just used an ATM at the destination to get local currency. Never an issue, conversion rate has been the bank's daily rate, etc. I have a couple travel friends who don't feel comfortable flying out of the US without some...
by killjoy2012
Mon Apr 15, 2013 10:03 pm
Forum: Personal Consumer Issues
Topic: Going to London
Replies: 26
Views: 3121

Re: Going to London

I've had two short visits to London. I'd second the recommendation to use TripAdvisor to plan a daily itinerary, hotels, transportation, etc. Even if you have a week in London, you won't be able to do everything - need to prioritize based on what you're interested in. London is also a very expensive...
by killjoy2012
Wed Apr 10, 2013 9:31 pm
Forum: Personal Consumer Issues
Topic: Digital camera with best video
Replies: 11
Views: 1860

Re: Digital camera with best video

If you're looking to save money and are not that picky about picture quality, I would ask if you've looked at smartphone lately? I'd venture a bet that an iPhone or Android can pretty much do what you're looking for in term of pictures & video, plus a whole lot more. Smartphones don't have the best ...
by killjoy2012
Tue Apr 09, 2013 11:42 am
Forum: Personal Consumer Issues
Topic: A Dilemma About Waist Sizes For Pants
Replies: 79
Views: 12985

Re: A Dilemma About Waist Sizes For Pants

Congrats on the weight loss. As previously mentioned, a good tailor is the answer to your "size 35" quest. Ideally, the 36 would be close to fitting well and the tailor can just "take in" the waist, etc. It's generally not that expensive, <$10 to have the waist changed.... but can get more expensive...
by killjoy2012
Sat Apr 06, 2013 11:12 am
Forum: Personal Consumer Issues
Topic: car rental problems [in Europe]
Replies: 47
Views: 3987

Re: car rental problems [in Europe]

I've never rented in Germany, but Auto Europe has always treated me right & provided a fair deal. They're also pretty good about spelling out all charges up front so there's no surprises. http://www.autoeurope.com Winterization Fee: Approximately EUR 17.00, per day, VAT included, paid locally maximu...
by killjoy2012
Tue Apr 02, 2013 12:57 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 5918

Re: Buying a car for my daughter

BMW makes a good product, but I think anyone that has owned one will tell you that maintenance costs are above average & that they are very expensive to repair. At 11 years old, even with low mileage, you're going to be facing a lot of both in coming years - probably reversing the value proposition ...
by killjoy2012
Fri Mar 29, 2013 9:04 am
Forum: Personal Consumer Issues
Topic: flushing hot water heater
Replies: 18
Views: 2374

Re: flushing hot water heater

It may be too late, but I would also check your anode rod to see if it needs replaced.
by killjoy2012
Fri Mar 22, 2013 9:15 am
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 8730

Re: europe trip

Anyone have experience with planning a trip completely by yourself versus going with a tour company and what you would recommend? Most of my travel in the past has been either through student organizations or tour companies, but for the first time I fee like I want to plan this Ireland trip as oppo...
by killjoy2012
Tue Mar 19, 2013 1:41 pm
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 5599

Re: Broke New Doctor Needs New Car! How?

1. I would take any advice on this forum in high regard no matter the subject. Automotive forums are full of snake oil and butt dynos. Bogleheads are mostly likely to select vehicles that return the lowest cost of ownership, providing lower maintenance (reliability) and operational cost. 2. I don't...
by killjoy2012
Tue Mar 19, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Telecommute Question
Replies: 5
Views: 1323

Re: Telecommute Question

I think there's a lot of different strategies for "winning the game". I too work in IT. I too like to WFH when I can. Besides what previous people have said (namely that mid-large companies will do compensation adjustment for your permanent WFH location), I think the other 'cost' is that your lack o...
by killjoy2012
Tue Mar 19, 2013 12:53 pm
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 5599

Re: Broke New Doctor Needs New Car! How?

Some general guidance - just my opinion: - I worry about some of the advice here being penny-wise, pound-foolish. It's easy to say go with a $2k beater... until it breaks down and makes you late to work (aggravating your bosses), possibly multiple times over a relatively short time span. I don't car...
by killjoy2012
Fri Mar 15, 2013 10:18 am
Forum: US Chapters
Topic: Detroit Metro Chapter - Grand Opening
Replies: 27
Views: 4577

Re: Detroit Metro Chapter - Grand Opening

I'd be interested in getting involved too. Royal Oak.
by killjoy2012
Wed Mar 06, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: Extension Ladder
Replies: 21
Views: 7741

Re: Extension Ladder

Werner fiberglass is the way to go. 24' is the most common and generally priced the best. And I would also recommend the 300lb rated one. I bought just this ladder myself last year. D6224-2. And it's significantly cheaper at Home Depot vs. Amazon BTW. http://www.homedepot.com/p/t/100659877?catalogId...
by killjoy2012
Sun Feb 24, 2013 11:59 pm
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 1203

Re: Air compressor

+1 to what everyone else has said. If all you're going to ever use it for is finish & framing nailers, then a small pancake compressor will work fine, save you some $, saves storage space, and is very portable. Personally, I like to wrench on cars, motorcycles, ATVs as a hobby, so I stepped up to a ...
by killjoy2012
Wed Feb 06, 2013 8:43 pm
Forum: Personal Investments
Topic: Reality Check my TSM Approximation
Replies: 2
Views: 356

Reality Check my TSM Approximation

Guys - quick question, just need some validation. I've developed a new AA and I'm currently working on executing the various "reshuffling" required to get the right holdings in the right accounts. One of my challenges is that I need to move some of my Vanguard TSM (VTI) holdings that are currently i...
by killjoy2012
Fri Feb 01, 2013 12:16 pm
Forum: Personal Investments
Topic: Rolling over post-tax 401k money to a Roth
Replies: 8
Views: 1806

Re: Rolling over post-tax 401k money to a Roth

For what it's worth (not much).... I'm classified as a HCE in my mega-company's 401k plan. As such they limit me to 10% pre-tax, 2% post-tax (not Roth, but just 2% non-deductible contributions to the 401k). The plan administrator is Fidelity, and they told me that I can roll that 2% directly into an...
by killjoy2012
Thu Jan 24, 2013 9:17 pm
Forum: Personal Consumer Issues
Topic: [Living in] London vs. New York
Replies: 28
Views: 4172

Re: London vs. New York

I've never lived in either city, but I have visited both for extended periods and I would pick London without a doubt. Cost of living is higher, and I have no clue how the taxes compare... but ultimately it should come down to what you personally want out of life... not whether you're going to save ...
by killjoy2012
Thu Jan 24, 2013 12:21 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms
Replies: 16
Views: 4291

Re: Smoke Alarms

I would strongly suggest you research, or ask the professionals, what the local building & electrical codes are in your specific area. You have the NEC (2002, 2008 or 2011 versions... and you need to know which version your city follows) and Residential Building Codes, but then it's also common for ...
by killjoy2012
Tue Jan 15, 2013 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: I have a chip on my shoulder, but not in my card!
Replies: 113
Views: 16197

Re: I have a chip on my shoulder, but not in my card!

PenFed is now giving the option to get a chip & pin card when you apply (no additional cost). Just got a cash rewards visa from them that has a chip If you get a chance to use it in Europe, please report back on how it went. I already have a PenFed Visa, so this may be a convenient option to upgrad...
by killjoy2012
Wed Jan 09, 2013 4:04 pm
Forum: Investing - Theory, News & General
Topic: Good idea to rollover 401k to roth ira if income drops?
Replies: 11
Views: 2826

Re: Good idea to rollover 401k to roth ira if income drops?

Assuming you're terminating employment when you take leave, I would simply move your entire 401k into your own Rollover IRA. It won't cost you anything, it cuts ties with your old employer, and you'll likely have better/more/cheaper investment options wherever you move it to. Then, once all of the m...