Search found 1575 matches

by lazydavid
Wed Mar 21, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 7143

Re: Drink package on Royal Caribbean, worth it?

We purchased it for the cruise we're taking this summer. Watch for sales--standard rates appear to be $55/day for the premium alcohol package, $26/day for the non-alcoholic one, and $8.50/day for the soda package. We waited to buy until they went on sale for a few days, and paid $47 for the adults a...
by lazydavid
Wed Mar 21, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4559

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

In addition, the Anker can even charge a laptop such as the macbook. The AA device most likely would not support enough current to charge, and even if it could your batteries would not hold enough charge. I agree with most of what you said, but this part is patently false. The Anker battery you lin...
by lazydavid
Tue Mar 20, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13050

Re: What is your favorite reasonably priced bourbon?

bltkmt wrote:
Tue Mar 20, 2018 2:35 pm
BanquetBeer wrote:
Sat Sep 23, 2017 8:27 am
My favorite in that whole category is glenlevit 15yr
Isn't that a scotch, and not bourbon?
Glenlivet is a scotch for sure. I don't know what Glenlevit is :P
by lazydavid
Mon Mar 19, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13050

Re: What is your favorite reasonably priced bourbon?

That's part of the appeal for me. The peat smoke in Johnnie Walker Double Black from Islay Scotch blended in make it my favorite Johnnie Walker. Makers 46 is aged partly in charred oak. It's not the peat that's offensive. Ardbeg Uigeadail is one of my favorite Scotches, and it has enough peat (55 p...
by lazydavid
Mon Mar 19, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Selling time share "points" for my stepfather
Replies: 12
Views: 1470

Re: Selling time share "points" for my stepfather

Also search eBay for completed listings on similar points packages to give yourself an idea of the range. There is a resale market, albeit not a particularly healthy one (from the seller's perpsective). If he has a decent number of points, you might be able to get couple grand out of the contract at...
by lazydavid
Sun Mar 18, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 8236

Re: At what point does it make sense to pay down your mortgage?

....or you could just take out a mortgage that you can afford to make the payments on even DURING a financial crisis, and not have to worry about any of that. If I have to think about what percentile I'm at on the foreclosure spectrum and how many months/years I could go without paying before gettin...
by lazydavid
Sun Mar 18, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2468

Re: Estate planning: No friends, no family - no executor

I should clarify that I deducted the estimated cost from the TOD part of the IRA. That undesignated portion would go to the executor to handle funeral expenses. Seems like it might be simpler to sign a pre-need and just pay for everything now. That's what I would do if I was particular about where/...
by lazydavid
Sat Mar 17, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6825

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

investingdad wrote:
Sat Mar 17, 2018 6:49 am
This is easy.

We are ok spending 1.2% of our net on a car, having done so last year.

So 20 million for me.
It's very easy to misread this as "I'm worth $1.7B, so I don't mind dropping $20M on a car every now and again". :sharebeer
by lazydavid
Sat Mar 17, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 19256

Re: For BHs who actually like cars - [what car do you drive every day?]

ssquared87 wrote:
Sat Mar 17, 2018 10:09 am
Keep that car up the E39 M5 is the best 4 door car ever made
Clarified that for you... :mrgreen:
by lazydavid
Sat Mar 17, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 8236

Re: At what point does it make sense to pay down your mortgage?

One of your assumptions, though is to compare to bonds because you could sell bonds to buy equities. This assumes you hold any bonds. If you are 100% equity focused, then comparing to bonds is largely irrelevant, no? I hold no bond funds. I’m not sure I would compare my rate to bonds in that scenar...
by lazydavid
Fri Mar 16, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6825

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

Even super-low mileage exotics depreciate at an unbelievable rate, so it might be worth looking at what a 2-5 year old one with <10k miles looks like. Might be able to find a sweet deal in the $100-150k range, without taking on too much incremental maintenance cost (relatively speaking). But as the ...
by lazydavid
Fri Mar 16, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Never leased a car...good deal? How to tell?
Replies: 3
Views: 675

Re: Never leased a car...good deal? How to tell?

The '18 Accords are sharp, and I'm sure are selling well for dealers --- hence fewer incentives. Not to drag us too far off topic, but wait a month or two, and you'll see a mass of incentives. The new Accord is selling HORRIBLY. February sales volume is down 15.8% YOY: https://www.autoblog.com/2018...
by lazydavid
Fri Mar 16, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Lease of new Truck
Replies: 8
Views: 751

Re: Lease of new Truck

I second the 24 month lease being a better deal from residual standpoint. The one pay is marginally attractive but need to take in consideration how much gap insurance will cost to cover you in the event the car is stolen or totalled. Crash day 1 with no gap, lose 8.5k. Gap is sometimes included by...
by lazydavid
Fri Mar 16, 2018 5:21 am
Forum: Personal Finance (Not Investing)
Topic: I owe $50k in 2017 taxes. Where can I find a good accountant/ bookkeeper? Or DIY?
Replies: 26
Views: 3532

Re: I owe $50k in 2017 taxes. Where can I find a good accountant/ bookkeeper? Or DIY?

Not sure, I've been paying myself payroll thru gusto. I made 320k, but that just seems like too huge of a chunk to be owed, esp as I only took like 2 deductions. Is this setup new (ie, did you also use it in 2016)? Is your account configured to withhold self-employment tax? Your mention of deductio...
by lazydavid
Thu Mar 15, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lease of new Truck
Replies: 8
Views: 751

Re: Lease of new Truck

Not enough information to determine how good a deal the 24-month is, but the 36-month is clearly inferior. You pay an extra $4k for the "use" of an additional $2k of residual.
by lazydavid
Thu Mar 15, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 8236

Re: At what point does it make sense to pay down your mortgage?

For me it makes sense that I want no mortgage or any debt by the time I want to retire at age 55. This was us as well. That's why we refinanced to a 15-year when my wife turned 40 (she's older), so it'll be paid off two weeks after she turns 55. Since the new loan is at 2.5%, I'm not paying one ext...
by lazydavid
Thu Mar 15, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider an emergency fund as part of your overall allocation?
Replies: 24
Views: 2143

Re: Do you consider an emergency fund as part of your overall allocation?

I don't maintain a dedicated emergency fund. Our expenses are lumpy, so we maintain about about 2-3 months of "normal" expenses (ie not cutting back on anything) in our checking accounts, plus some savings on the side for things like larger vacations or home improvements. I don't count any of that i...
by lazydavid
Thu Mar 15, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14769

Re: Large life style creep that was completely worth it

alec wrote:
Thu Mar 15, 2018 8:01 pm
Car with leather heated seats.
This is one that I think is impossible to undo. :) After the first winter with them, they becomes a necessity, and cars that don't have them are automatically excluded from consideration.
by lazydavid
Thu Mar 15, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14769

Re: Large life style creep that was completely worth it

For us it was a kitchen remodel with high-end appliances. We both like to cook (and my wife loves to bake), so I don't regret for one second that we spent more on appliances and cabinets than any of the three luxury cars we've owned over the past 20 years. We've only been here 4.5 years, but I alrea...
by lazydavid
Thu Mar 15, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4559

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

No personal knowledge, but searching for 'AA power bank' finds some that use AA batteries, so you could use NiMH rechargeables like Eneloops, which wouldn't have the safety problems of lithium ion batteries. One example: https://www.amazon.com/Verbatim-Power-Bank-Charger-97928/dp/B007MLHS2S That th...
by lazydavid
Thu Mar 15, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 16
Views: 1625

Re: Is anyone using a bill paying service?

Agree that $100/mo is insanity. To put a nice bow on it, I tried to go to Silver Bills website, and my company's proxy blocked it as category "Suspicious". Sounds about right. :D
by lazydavid
Thu Mar 15, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4559

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I have a half-dozen units from Jackery, in various sizes ranging from 3000 mAh (Air 6) all the way up to 20,100 (Titan). Very happy with them.
by lazydavid
Tue Mar 13, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 3/3 ARM vs 5/5 ARM Decision Analysis
Replies: 15
Views: 1363

Re: 3/3 ARM vs 5/5 ARM Decision Analysis

scot184 wrote:
Tue Mar 13, 2018 10:57 am
Is there a reason you are set on this particular bank? Have you checked to see if others are offering are a lower rate or those other programs with lower rates?
He already said it was a requirement of the relocation program, and that the rates are competitive.
by lazydavid
Mon Mar 12, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 11498

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

FYI - Quicken Deluxe 2018 2 year subscription is 39.99 on newegg with promo code EMCPSPV44 + tax https://www.newegg.com/Product/Product.aspx?Item=N82E16832118005 Premier is $59.99 for 2 years using promo code EMCPSPV45. Seems the extra $10/year for tracking investments and bill pay (if your bank do...
by lazydavid
Mon Mar 12, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: When your spouse’s risk tolerance differs from yours
Replies: 31
Views: 2452

Re: When your spouse’s risk tolerance differs from yours

So you sabotaged her intent to invest conservatively. Does she know and understand that? I'm not criticizing your investment plan but I am wondering how this is actually a mutually agreeable solution. It is an example of how tricky it is. No I didn't, and yes she understands what I've done. She's e...
by lazydavid
Mon Mar 12, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3754

Re: Should we buy my wife a new car?

I am as big a fan as anyone of winter tires, but given your description of your location, I would not purchase them. You'll actually have reduced performance over a good all-season for 99% of the winter for better performance on the one day it snows when you might just be able to stay home. I'll ec...
by lazydavid
Mon Mar 12, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: When your spouse’s risk tolerance differs from yours
Replies: 31
Views: 2452

Re: When your spouse’s risk tolerance differs from yours

My wife is significantly more conservative and risk averse than I am. And her tIRA, which is rolled over from a profit sharing account at a former employer, amounts to a bit more than half of our overall portfolio. So I have that invested in a combination of Wellington and Wellesley, which Personal ...
by lazydavid
Mon Mar 12, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 145641

Re: Boglehead Beer

For the inside fridge, I traipse through a lot of craft beers. All over the map, depending on what I'm feeling like (Scotch ales recently). Last Fall, I lucked into a 4 pack of Founder's Backwoods Bastard (a Bourbon Barrel aged version of their Dirty Bastard Scotch ale). I'm trying to age it but ha...
by lazydavid
Mon Mar 12, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6026

Re: Tires: Where to Get? Warranty? And Questions?

Bought tires at Costco for decades, but bought last set at NTB. They Easier to deal with than Costco. Not sure if NTB is nationwide or not. If they weren't nationwide, they would have the dumbest company name ever--NTB stands for National Tire and Battery. I always buy my tires at Costco. Prices ar...
by lazydavid
Mon Mar 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 1733

Re: Blocking URLs/Sites on home network for kids

Just use opendns, you can tell Windows to use that as the DNS. Couldn't the kids just change it back to 8.8.8.8 and 8.8.4.4, or whatever DNS servers they were using before? Kids are savvy these days. Change the DNS address on the password-protected router, not the computer. I think they were saying...
by lazydavid
Mon Mar 12, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13050

Re: What is your favorite reasonably priced bourbon?

Surprised by all the love for Makers 46. That and Johnnie Walker Double Black both taste to me like they took their standard bourbon (or scotch), and stuck it in a blender with a lump of charcoal. A few of my favorites: Blanton's Breckenridge Bullleit (Prefer their Rye though) High West American Pra...
by lazydavid
Mon Mar 12, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 145641

Re: Boglehead Beer

for the most affordable(cheap) american made and owned beer Costco lost the title about 2 months ago, the kirkland light got discontinued it was 23.49 for a 2 case box.As of now it looks like any of the three Trader Joe's beers wins the title of low cost, with the simple times lager getting better ...
by lazydavid
Sun Mar 11, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2521

Re: Plastic free coffee maker?

When my Technivorm finally developed a leak in the heating element after 12 years, I replaced it with a Bunn commercial pourover, like you would see in a diner. The basket it comes with is plastic, but I replaced it with a stainless one for about $20. Everything else except the front panel and the ...
by lazydavid
Sat Mar 10, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2521

Re: Plastic free coffee maker?

When my Technivorm finally developed a leak in the heating element after 12 years, I replaced it with a Bunn commercial pourover, like you would see in a diner. The basket it comes with is plastic, but I replaced it with a stainless one for about $20. Everything else except the front panel and the w...
by lazydavid
Fri Mar 09, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Blows Past Rivals in Target Date Fund Assets
Replies: 9
Views: 1723

Re: Vanguard Blows Past Rivals in Target Date Fund Assets

Your post shows that there has been little difference in returns, and states that because of this, it makes little difference which is chosen. However, it should be noted that while VG has the lowest expenses, it does not have the highest return. In fact it is a little lower than the other two. Thi...
by lazydavid
Fri Mar 09, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Wealthfront Risk Parity???
Replies: 12
Views: 2436

Re: Wealthfront Risk Parity???

Risk parity may be optional, but it changes my entire perception of wealthfront as a company. This. I've opted out of Risk Parity (I think you had until yesterday or today to do so), but I look at the introduction of this product and their heavy push for it as signaling a change in investment philo...
by lazydavid
Fri Mar 09, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 5956

Re: Which car, Porsche Cayenne or Volvo XC90?

Too late for my feedback, but I would have suggested the Porsche anyway. Had one as a rental a few years ago, and even with the base engine, it was surprisingly engaging to drive--significantly moreso than any SUV I've driven since the 1992/3 GMC Typhoon. And my DD is a German sedan with a 6-cylinde...
by lazydavid
Thu Mar 08, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5637

Re: How Amazon Can Blow Up Asset Management

My biggest problem with Kindle books however is that when a novel goes to paperback the Kindle price doesn't move down accordingly. Thus the paperback can be bought more cheaply than the Kindle version. Which doesn't seem logical to me. I think at the least the Kindle price should match the paperba...
by lazydavid
Thu Mar 08, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: 30 year fixed vs 7 year ARM
Replies: 37
Views: 2893

Re: 30 year fixed vs 7 year ARM

Not normally a fan of ARMs, but given the spread, I'd certainly consider this one, and then just pay $4k/month on it during the fixed period (I do like nice round numbers). Especially if your timeline is <10 years, the risk is relatively minimal.
by lazydavid
Wed Mar 07, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14109

Re: What big item (>20k) are you saving up for?

Prior to this thread, I'd never even heard of ALS. But the Grand Langes that have been posted here are beautiful. Don't know that I'm at a point in my life where I could allow myself to spend $30k on a watch, but certainly could see myself doing so once my comfortable retirement is "guaranteed". Unt...
by lazydavid
Sun Mar 04, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4309

Re: What kind of desktop computer should I buy?

What I do to get rid of bloatware is fairly simple: 1. Get the Widows install key ID using something like Magic Jelly Bean. 2. Download the Windows installer from Microsoft. 3. Do a clean install. Use the key ID to activate Windows. With modern machines, you can generally skip #1 and the second hal...
by lazydavid
Fri Mar 02, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pre-approval needed 3+ credit card accounts to show credit history
Replies: 17
Views: 1183

Re: Mortgage Pre-approval needed 3+ credit card accounts to show credit history

invent5 wrote:
Thu Mar 01, 2018 5:29 pm
Do the lenders allow for joint filing even when only one spouse has income and other doesn't?
Of course they do. That used to be the norm, and is still not uncommon by any stretch.
by lazydavid
Thu Mar 01, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5353

Re: Dealership oil change worth it?

A lot of the recommended service declined as unnecessary/overselling by customers is actually important maintenance that people are either too cheap or ignorant to appreciate and do. But a lot of it isn't. For example, I've rarely been to a dealer that didn't recommend an expensive power flush of t...
by lazydavid
Thu Mar 01, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4956

Re: Walking shoes for plantar faciatis?

I do not have this condition, but when I was reading the reviews prior to purchasing my New Balance 990 V3, it seems that it's an extremely popular shoe for those that do. They're a "Dad shoe", so the toe box is quite large.
by lazydavid
Thu Mar 01, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4309

Re: What kind of desktop computer should I buy?

Shame you're not interested in a Mac; the iMac is one of the best desktop machines I've seen in a lifetime of owning desktop computers. With a price range of $1,100 to over $13,000--and the very cheapest SSD model at $1,600--doesn't exactly fit in the identified budget of $350. The smallest one wit...
by lazydavid
Thu Mar 01, 2018 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 107
Views: 5242

Re: Thoughts on Credit Cards??

My wife generated thousands of cc debt in years past because of the convenience of credit card debt for routine purposes. Now we use credit debt strategically, such as for purchase protection for large purchases, or vacations, etc.—and get 2% cash back. We have used the GM card in the past to save ...
by lazydavid
Wed Feb 28, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Frightening letter from Experian
Replies: 9
Views: 2679

Re: Frightening letter from Experian

And I definitely would never in a million years respond to a letter (or in my case instant message) from my high school alumni folks! :annoyed Lol. I haven't had nearly the horrible experience that you apparently have in this regard. I might consider attending the 25-year event, so I don't have a p...
by lazydavid
Wed Feb 28, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 107
Views: 5242

Re: Thoughts on Credit Cards??

I personally shudder at the idea of using credit cards for every day purchases. I might use a credit card when I go on a trip to consolidate all the expenditures, or to pay for a larger ticket expense (very carefully selected) that I don't want to pay for all at once. We use debit cards in conjunct...
by lazydavid
Wed Feb 28, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Frightening letter from Experian
Replies: 9
Views: 2679

Re: Frightening letter from Experian

As an aside, I would never call a number on an unsolicited piece of mail or email. Hopefully you didn’t give the people on that number any of your personal info. Could be similar to a phishing attack. I always look up the number on the internet on the company’s website to call. This was the first t...
by lazydavid
Tue Feb 27, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 15070

Re: Costco - Executive vs. Gold Membership

They are very aggressive about upgrades, which means they make good money on the Executive memberships. Probably not on the fee as much as getting those that upgrade to spend more. Since it's widely known that Costco's annual profit as a corporation is essentially just its membership fees (meaning ...