Search found 1025 matches

by killjoy2012
Wed May 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Regarding Chase Ultimate Rewards Accounts
Replies: 3
Views: 826

Re: Regarding Chase Ultimate Rewards Accounts

What do you mean by transferring? Check with Chase since these rules are constantly changing, but last I looked, you can move/transfer UR points between any of your Chase UR cards, but if you want to transfer points from UR to an external travel partner (e.g. Hyatt, United, etc.), then you can only ...
by killjoy2012
Wed May 17, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 4553

Re: What are the powers of HR in a company?

Ranges are always broad and extend fairly high since positions often need to accommodate someone only a couple years out of school, as well as a 20 year veteran, both of whom may be on different career paths.
by killjoy2012
Mon May 15, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 8832

Re: Anyone use "MyPillow" pillows?

OP - I'd suggest visiting a local store that carries them to give it the 'feel test' before purchasing. My local Bed Bath & Beyond had them in stock when I was last pillow shopping, and while I was intrigued, and beside the $50/pillow price turning me off, it's got a very unique feel. I would descri...
by killjoy2012
Sun May 14, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 6838

Re: Cars: Expense or Asset?

I think you guys over analyzing the OP's post/point. This isn't a debate on GAAP and defining terms. This is the realization by the OP that car ownership generally has a monthly operating cost regardless if you purchase new with a 4-7 year financing + start incurring more maint cost as the warranty ...
by killjoy2012
Fri May 12, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 10710

Re: Tesla Solar Roof

That includes R&D, design, and engineering expenses, as well as massive amounts of capital expenditures to build product tooling and manufacturing infrastructure. So GM & Ford don't spend any money on R&D, design, or engineering? :confused The only reason Tesla gets away with their financial operat...
by killjoy2012
Thu May 11, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6434

Re: Travel tips for first time visitors to England and France?

I've visited London ~6 times, and Paris once, in the last 17 years. London is my favorite big city and I've been all over the US, and all but Eastern Europe. I think October is the BEST time to visit so long as you're OK with a cooler & damp experience - it actually helps put me in the mood. :) The ...
by killjoy2012
Thu May 11, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 3476

Re: Afraid I may have been hacked

The vast majority of email phishing compromises are delivered either through an attachment or URL link. You'd need to open the file attachment, or click the link, to be compromised. In those circumstances, no, just opening the email without touching the link/attachment will not compromise you. Howev...
by killjoy2012
Thu May 11, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 4576

Re: Samsung or LG tv?

I have a ten year old Panasonic plasma. I'm going to cry when it dies. Same here. Mine is 6 1/2 years old. Still going strong and very pleased. As you know nobody makes plasmas anymore and Panasonic left the TV business completely. When it dies we'll get a 4K OLED, but not until the price drops. We...
by killjoy2012
Tue May 09, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 8908

Re: 18" vs 20" Tires

Agree with the above WRT to sizing, but I'd also consider the painted vs. non-painted aspect too. I'd rather have maintenance free polished aluminum wheel (esp being the Midwest w/ snow) vs. any painted metal.
by killjoy2012
Tue May 09, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cell phone use in UK for one year
Replies: 13
Views: 1999

Re: Cell phone use in UK for one year

and then decide on a final provider once he tests out reception and figures out how much use he's going to have. Be careful here. PAYG SIM for voice/text/data is no problem at all. I've done this 5-6x times myself as an American visiting the UK. However, any 'normal' post-paid plan in the UK requir...
by killjoy2012
Tue May 09, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Mcafee showing messages of Hacker
Replies: 7
Views: 2195

Re: Mcafee showing messages of Hacker

The SSL certificate, or its configuration, on their web server - not your phone - is not working correctly. It would be best to avoid going to that site for now. If you must, then click the Advance --> Proceed Anyway, and don't enter any information on that site, as it will be sent unencrypted. e.g....
by killjoy2012
Tue May 09, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cell phone use in UK for one year
Replies: 13
Views: 1999

Re: Cell phone use in UK for one year

Take an unlocked phone over there, buy a local monthly prepaid SIM from 3, vodaphone, EE, and be happy.

ATT is unlikely to unlock his current phone if there were any upfront term commitments in subsidizing the device cost.
by killjoy2012
Sat May 06, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 7374

Re: Insulating Walls - Worth it?

If a homeowner was replacing all of the exterior wood siding on a house, would it be possible to remove the old siding, remove existing fiberglass batt insulation in the walls, and then spray foam insulation into the walls from the out side, leaving the interior-facing sheetrock undisturbed, before...
by killjoy2012
Sat May 06, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 7374

Re: Insulating Walls - Worth it?

Mike Holmes is amusing to watch but dont get your building advice from him. His solution to even the most minor problem is rip it all out and start over. Sometimes that's appropriate, but often its overkill. Not everybody has unlimited budget. Plus its wasteful. ... It is very non intrusive, they r...
by killjoy2012
Sat Apr 29, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4941

Re: Car maintenance for older cars - where do you go ?

For those who do their own maintenance: what do you do to raise your car sufficiently and safely? Any particular product you can recommend? Ramps. They're a lot quicker, easier and safer than jack stands IMO. Where do I go? Into my garage/driveway. Where should you go? If the dealer is too expensiv...
by killjoy2012
Sat Apr 29, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 17
Views: 2386

Re: Applying for a new role with same employer - salary negotiation

I'd be cautious on the entire notion of negotiating salary at your existing employer when moving from one role to the next. The time to negotiate is when you're a potential external hire. Internal moves are usually a "congratulations, and here's your new salary" event. If you don't want to do the ne...
by killjoy2012
Fri Apr 28, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 5393

Re: When does it make sense to stop paying to repair your old vehicle?

8foot7 wrote:I submit it is nonsensical to put a $4,000 repair into a $2,000 car
Based on what? If the cost to replace that $2k car with a new equivalent vehicle is $60k, putting $4k into a $2k car may not be all that nonsensical.
by killjoy2012
Fri Apr 28, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 4011

Re: A Game of "Whose responsible"

You are. If the water was off that day due to your decision/control, not the toilet plumber's, then the liability is on you.
Pay the guy the second trip/labor fee.
by killjoy2012
Wed Apr 26, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Porsche Lease
Replies: 56
Views: 5726

Re: Porsche Lease

Leasing gets a bad rap on this site. Get the lease details from the dealer and compare side-by-side to purchase then selling. Considering your scenario, you can likely get a low mileage lease (since its not your daily driver) and park a new Porsche in your driveway for a couple years for much less t...
by killjoy2012
Mon Apr 24, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 17220

Re: Will cars be autonomous in three years?

In 3 years? Not a chance.

Go buy the F-150.
by killjoy2012
Sun Apr 16, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 2840

Re: Same branded components for home theater?

From my post above, I agree. To clarify -- front L/C/R are the most important to be a matched set. Rear surround do not need to be - if you already have acceptable speakers for surround, use them, but otherwise I'dd ideally go matched when buying an entire HT setup. Sub doesn't need to be matched an...
by killjoy2012
Sun Apr 16, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 4424

Re: 'True' Cost Of A More Expensive House

+1 on there likely being a higher standard of property maintenance, as well as 'keeping up', associated with the higher priced neighborhood. And if you're younger and less experienced with landscaping, you'll probably be amazed what a tree & other shrubbery can cost, etc. My eyes were opened wide wh...
by killjoy2012
Sat Apr 15, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 2840

Re: Same branded components for home theater?

I_Am_Not_A_Doctor: As it sounds like you're aware, people spend anywhere from $1 - $20k on their HT setups, and that's not an exaggeration on the high end. Just like car discussions typically play out here at BH.org, HT discussion often parallel that. Some people are fine with simple AM radio quali...
by killjoy2012
Thu Apr 13, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 2509

Re: Working without an office - Strategy

I don't understand the concept of a co-working space, unless everyone is working on stuff of little consequence. How does that work in terms of data protection, data handling, privacy, etc. when you have people of mixed companies working in a shared work space? A DoD contractor is co-working with yo...
by killjoy2012
Sun Apr 09, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1795

Re: Planning Scandinavia trip

Agree - too much travel for 9 days. I've visited all 3 cities using a cruise as transport. That was ideal since the sailing was largely done overnight, and krone was much stronger than the USD, making hotels very expensive and cruise that much more valuable. Between those 3 cities, IMO, and IMO only...
by killjoy2012
Sun Apr 09, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2910

Re: Selling laptop with "bad" Win10 upgrade

Reload it with the version of Windows Vista that it came with. There should be Windows OEM certificate sticker on the bottom of the laptop. Ideally, your laptop came with an OEM "reload" disk that will format the drive and reload it to it's brand new config. If so, pop that in the CD/DVD drive and b...
by killjoy2012
Sat Apr 08, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 9741

Re: Career advice in IT

BS and MS in CS. Almost 20 years working for 2 Fortune 20 MegaCorps. My advice - as long as you understand what the typical work-life balance in IT is, and are good with that, then IT is a great career field. I wouldn't pick your specialization based on job demand forecast or pay +/- survey though, ...
by killjoy2012
Sat Apr 08, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Cheap, User Friendly Printer
Replies: 34
Views: 4620

Re: Cheap, User Friendly Printer

OP - You can often find Dell wireless color laser printers for sale, usually through Staples, for < $75. But you need to keep a look out. I favor laser, esp at that point point, since people who print infrequently, often the ink jet inks dry out, and refresh costs get redic. Laser has no such concer...
by killjoy2012
Sat Apr 08, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 18794

Re: Citi Costco Visa vs. Chase Sapphire Reserve

OP - 1) I'd consider downgrading your CSR to CSP once the first year is up. The second year's $450 AF is not worth the extra % over CSP IMO. 2) Keep in mind that points are only worth what YOU redeem them for. Don't fall victim to some of the blogger sites stating they're worth $x, since most of tho...
by killjoy2012
Thu Apr 06, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 8673

Re: Economics of Charging an Electric Car

So I should spend ~$100k on a luxury EV so that I can then brag about my favorable EV economics like forgoing $30 oil changes, once-a-decade tune ups, or saving $20 monthly in fueling costs vs ICE? And as for maintenance, lets compare total maintenance costs at the 10 or 15 year mark with ~150k mile...
by killjoy2012
Wed Apr 05, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

I haven't run Algo, but I do have an AWS cloud formation script that will auto-launch a t2.micro linux AMI instance in any region, install OpenVPN and other tools, setup my keys, etc. Using this method, I have my own, dedicated VPN server that's ready for use about 2 minutes after I hit 'go'. I can ...
by killjoy2012
Mon Apr 03, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 3170

Re: Advice on setting up a network-level VPN

Agree & understandable. Just keep in mind that a say/do ratio isn't always 100%. Your ISP is likely a well known, US-based MegaCorp who will be forced to publicly stand behind their privacy policy and/or decisions to collect/sell that info. Conversely, most VPN providers are small companies, much le...
by killjoy2012
Mon Apr 03, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 3170

Re: Advice on setting up a network-level VPN

There was just a huge thread on VPNs last week - I'd suggest reading that. First question you need ask yourself is why you trust the VPN provider to protect your privacy more than your ISP, esp when you're paying your typical ISP > 10x what your typical VPN service charges. If you're technically inc...
by killjoy2012
Thu Mar 30, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 3038

Re: Do I need an electrician? If so how much would it cost?

Doing it legally, you need a new, dedicated 20A home run + new box placed + GFCI receptacle. Probably $75 in materials, and labor will vary greatly depending on ease & length of wire run between the panel and new plug location. Permit cost should be negligible.
by killjoy2012
Thu Mar 30, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 6306

Re: Spring Break Trip to Disney World

I'd definitely make a per-day plan ASAP so that you can align other decisions to it. You need to understand which parks, how many hours/days per, do your tickets need to have the park hopper option, dinner reservations, etc. Then with that, which rides are top priority, fast pass, etc. I prefer Epco...
by killjoy2012
Thu Mar 30, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: converting 12v Halogens to LED - futureproofing
Replies: 4
Views: 698

Re: converting 12v Halogens to LED - futureproofing

Your rationale is sound from an efficiency and practical standpoint. My only 2 cautions would be: 1) research your existing housing and understand what it will take to convert. If it's a simple, cheap non-IC retro housing, the conversion is probably easy. If it's an IC airtight new construction fixt...
by killjoy2012
Wed Mar 29, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

Point of correction, HTTPS does not reveal the full URL (that would leak a lot of information). Your browser performs an unencrypted DNS lookup of the host name (http://www.bogleheads.org), gets a server IP address, performs a TLS handshake with the server at the IP address to validate their certif...
by killjoy2012
Wed Mar 29, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

I have addressed this before but it appears this particular piece of misinformation continues to be raised. Please explain how using IMAP with SSL/TLS, as is quite common, results in my e-mails being transmitted plain-text. My client, thunderbird, in fact automatically checks if SSL/TLS is availabl...
by killjoy2012
Wed Mar 29, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 11828

Re: Best take it everywhere camera

My Canon Powershot S series takes much better pictures than my iPhone 6. No comparison. I carry the iPhone daily everywhere, and s110 only when on trips, concerts or other events. It's easily fits in a pocket or belt holster. It also doesn't constantly complain to me about being out of memory, and n...
by killjoy2012
Wed Mar 29, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 6190

Re: Anyone replaced a pickup with an SUV?

A Tahoe/Yukon would get the job done too. Same width (just over 48"), but shorter than a Suburban - about 6' from the back of the front seats to tailgate. And at 204" overall length, meets that requirement too.
by killjoy2012
Wed Mar 29, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

The last thing I'll leave you guys with - Consider how much you pay to your ISP for Internet access. $30, $40, $50/month or more? Now consider that if you VPN all of your traffic to PIA, let's say 100GB/month, that VPN provider's network has to cover your 100GB in, and then another 100GB out.... not...
by killjoy2012
Wed Mar 29, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 13778

Re: Not opting for 529... anyone else?

I think you also need to remember that 529s are used by more than parents. I'm an uncle of 5 nieces and nephews (so far), and I have a 529 for each. And while I like to use contributions to them for birthdays, holidays and such, I do so with the comfort that the money is going to go towards their fu...
by killjoy2012
Tue Mar 28, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

I've avoided TOR for that reason and also because I've heard it's slow. I'm not sure VPNs raise suspicions the way TOR does since VPNs are used for many purposes. TOR is extremely slow. As in unbearably slow - usually slower than a dial up modem slow. As others have hinted above, you should also ex...
by killjoy2012
Tue Mar 28, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

can someone clarify what information can be sold by an unscrupulous VPN provider? ... but I don't think VPNs can do that (sell browser histories, that is) since I don't think they can actually see the sites I visit. Is it simply that they can sell the following information: the fact that you're usi...
by killjoy2012
Mon Mar 27, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

Looks like PureVPN has a Split-Tunneling client that works at the application level. You just select which programs use (or don't use) the tunnel, so your latency-sensitive things can go direct. That appears to do what you want on one PC. However, that approach for a household of PCs, tablets and p...
by killjoy2012
Mon Mar 27, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

Curious if anyone has any experience with VPN Providers that support application-level split tunneling. I'd like to tunnel most things, but NOT tunnel latency-sensitive things such as games or voice communications. I'm not super technical any more, so I'd really not like to jump in and start buildi...
by killjoy2012
Sun Mar 26, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

Please explain how a VPN provider can read my email that is not hosted by them and is transmitted via HTTPS from my mail provider to my browser. First, please understand that there's 100 permutations and 'what ifs' that could shape this answer. My top concern in my posts to this thread is that this...
by killjoy2012
Sun Mar 26, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

It's clever that PIA lets you pay with gift cards so you can use it anonymously. Guys, I'm not trying to be Debbie Downer here - just keeping it real. Just because you can pay with Bitcoin or a visa gift card doesn't mean that PIA doesn't have the means to figure out who you are, fairly trivially, ...
by killjoy2012
Sun Mar 26, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 24161

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

5 Guys for sure. We don't have In-n-Out in the midwest, but I've eaten there several times on business trips to Vegas or California, and I don't see where all of the cult-like love comes from.
by killjoy2012
Fri Mar 24, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19294

Re: Virtual Private Networks (VPNs)

People are increasingly desiring to protect themselves from possible snooping by their own ISPs. It is a reasonable concern given recent events. The problem is, in using some 3rd party VPN service, all you're accomplishing is trading one devil for another. Assuming you set it up correctly (no leaks...