Search found 1037 matches

by killjoy2012
Wed Jun 14, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 2521

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

ZinCO - If you wouldn't mind, post the link to the PAYG SIM deal you purchased that allows tethering. I'm very interested as I travel to the UK fairly often, and all data I have points to the opposite: http://kenstechtips.com/index.php/tethering-on-uk-networks Three allows you to tether, but only if...
by killjoy2012
Mon Jun 12, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 2521

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

- Beware that some assertions above may be for those paying monthly, vs. PAYG as you'll be doing. You'll need to do your homework. - While many carriers allow roaming, you may find that it's cheaper/easier to just buy a small PAYG SIM in each country. Most carriers charge an extra fee on top of the ...
by killjoy2012
Mon Jun 12, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4463

Re: Vue/Sling tv users--what do you miss?

I have a Roku with SlingTV + Netflix + Amazon Prime Video, an attic OTA antenna + Tivo, and a Plex server. For me, it's become less about "missing" something, and more about how you change your TV watching habits. I used to channel surf, and occasionally want to see the latest TV show live when firs...
by killjoy2012
Tue Jun 06, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 4621

Re: Trailer Towing Tidbits?

That trailer is pretty small. Before you leave, make sure you know the max tongue weight of your receiver, and understand the general concept of proper trailer weight distribution. Confirm the ball size of the trailer you want to rent matches what's on your hitch (2" is the norm). Make sure the trai...
by killjoy2012
Tue Jun 06, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 83
Views: 20944

Re: High Income Earner Humbly Seeks Advice

60% Total Stock Market 20% Total international 20% Intermediate tax exempt OP - You've already received a lot of good advice. I'd pick an AA that'll allow you to sleep well & 'just do it'. Personally, given your income-to-expense ratio, you've already won the game. As such, if I were you, I'd be he...
by killjoy2012
Tue Jun 06, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 2213

Re: laptop advice

I really don't know much about technology. Does anyone see anything on groupon they can recommend? For someone like yourself, I'd just look for a hot deal on an Intel-based laptop with SSD. I'd have a slight preference for Dell over the other brands based on exp, but they're all pretty much commodi...
by killjoy2012
Tue Jun 06, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 13220

Re: What Do You Pay for an Oil Change?

I live in Massachusetts, and I've had our cars serviced by a local gas station/repair shop. But, the cost of a recent oil change took me by surprise. The total was $96, as follows (numbers rounded): Filter - $10 Oil - 60 Coolant - 5 labor - 21 Tax - 4 (Discount) - 5 Is this a reasonable cost, or sh...
by killjoy2012
Mon Jun 05, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1906

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

Don't covert USD -> EUR before leaving, way too expensive and not needed. Just take your ATM card and withdraw Euros from a well known bank ATM's machine once you get there - at the DUB airport, or even days later when you get a chance. I've done a week in Europe with nothing but a CC. Amex is accep...
by killjoy2012
Mon May 29, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3586

Re: Losing money on vehicle, should I or shouldn't I?

You already said you hate it - that would be enough for me. I'd try selling it on Craigslist or otherwise locally, and then look at the market leaders in the SxS space - Polaris, Can-Am, etc. I didn't even know Honda made a SxS TBH.
by killjoy2012
Tue May 23, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Any decent Cyber Security Funds?
Replies: 3
Views: 620

Re: Any decent Cyber Security Funds?

The problem is that many of the newer/growing cyber companies are not public. The top couple held by that ETF are old school tech companies.... Trend, Cisco, etc.
by killjoy2012
Fri May 19, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1886

Re: iPhone GPS apps

Waze [/thread]
by killjoy2012
Wed May 17, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 2560

Re: Keep paying for AC refrigerant when tech cannot find a leak

You can buy a brand new 30 lb canister of R-22 on Ebay for a relatively affordable price, keep in your basement for future use, and be ahead the first time you need Freon added in 1/2/5/10/20 years. Just saying... And no, your local HVAC guy isn't going to be happy, since he wants to sell you his at...
by killjoy2012
Wed May 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Regarding Chase Ultimate Rewards Accounts
Replies: 3
Views: 844

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: 4663

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: 9007

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: 6961

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: 10861

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: 6567

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: 3515

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: 4710

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: 10315

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: 2063

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: 2218

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: 2063

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: 7610

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: 7610

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: 5051

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: 2450

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: 5504

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: 4087

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: 5821

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: 17497

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: 2900

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: 4468

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: 2900

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: 2568

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: 1831

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: 2947

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: 9947

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: 4741

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: 19419

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: 8839

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: 19737

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: 3242

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: 3242

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: 3074

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: 6368

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: 738

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: 19737

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: 19737

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...