Search found 3743 matches

by lazydavid
Tue Jun 22, 2021 10:09 pm
Forum: Personal Consumer Issues
Topic: What was your best quality of life improvement for $1000?
Replies: 57
Views: 3806

Re: What was your best quality of life improvement for $1000?

Kommado Joe grill +1 +2 I'll +3, but correct the spelling to Kamado Joe, and note that my Big Joe was unfortunately a good bit more than $1k. Much closer to $2k once I added a FlameBoss smoker controller and a Kick Ash Basket. But being able to turn out absolutely perfect Brisket while I am literal...
by lazydavid
Tue Jun 22, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: alternative to costly chlorine tablets for pool
Replies: 20
Views: 1091

Re: alternative to costly chlorine tablets for pool

Liquid chlorine. My local hardware store has 1260 gallons in stock . Should be able to get it at your local pool store too. As others have said, the ultimate solution is switching to a Salt Water Chlorine Generator. But absent that, liquid chlorine is definitely the way to go, puck shortage or no pu...
by lazydavid
Tue Jun 22, 2021 9:32 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 193
Views: 15368

Re: Amazon Prime Day 2018

iamlucky13 wrote: Tue Jun 22, 2021 6:37 pm
lazydavid wrote: Tue Jun 22, 2021 6:18 pm
denovo wrote: Mon Jul 16, 2018 12:06 pm There is little 4k media
Are you a time traveler visiting us from 2016? :mrgreen:
Close. It was 2018 when that post was made.
Zoom! tricksy mods merging threads. :)
by lazydavid
Tue Jun 22, 2021 6:18 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 193
Views: 15368

Re: Amazon Prime Day 2018

denovo wrote: Mon Jul 16, 2018 12:06 pm There is little 4k media
Are you a time traveler visiting us from 2016? :mrgreen:
by lazydavid
Tue Jun 22, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: Mortgage sold
Replies: 16
Views: 1476

Re: Mortgage sold

Our first mortgage was initially sold to BoA by the broker (which we totally expected), and then was sold again. Since then, all of our purchases/refinances have been with a local Credit Union which does not sell servicing by policy, and almost never sells the loans themselves.
by lazydavid
Tue Jun 22, 2021 11:01 am
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 49
Views: 6128

Re: Best enhancement for folks who work from home

In addition to the chair I mentioned upthread, my most recent addition is a desktop DAC/Amp and a pair of high-end headphones. On the rare occasions when I'm NOT stuck in a video conference (or the less rare occasions when I'm working outside of business hours), it's nice to be able to throw on some...
by lazydavid
Mon Jun 21, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: Do you use a Kindle? Are they worth trying?
Replies: 66
Views: 3085

Re: Do you use a Kindle? Are they worth trying?

Ironically, one such case was Orwell's 1984. Which was a bit hilarious since I think it is in the public domain now. I think I downloaded it off one of the free sites like Gutenberg last year when I decided to re-read it. You may have gotten it from Project Gutenberg Australia, as it has been in th...
by lazydavid
Mon Jun 21, 2021 2:45 pm
Forum: Personal Consumer Issues
Topic: When did cars start good safety features?
Replies: 100
Views: 6076

Re: When did cars start good safety features?

No, it’s not individual. Safety features are objective. There’s no way I’d put a 16 year old new driver in a car that’s more than 8 or so years old. And my reasoning is objective (not relative or subjective). We each decide which "safety features" are important, and which are expensive fl...
by lazydavid
Mon Jun 21, 2021 2:36 pm
Forum: Personal Consumer Issues
Topic: Do you use a Kindle? Are they worth trying?
Replies: 66
Views: 3085

Re: Do you use a Kindle? Are they worth trying?

Have been a Kindle user since the oddly-sloped first gen (which I still have, and still worked the last time I checked), all the way up through the first gen Oasis, which is wonderful. By far my favorite way to read when I have time to actually sit down and read. That has been less the past few year...
by lazydavid
Sat Jun 19, 2021 9:18 am
Forum: Personal Finance (Not Investing)
Topic: 11 years to pay off 30-yr mortgage. Here's how.
Replies: 40
Views: 3609

Re: 11 years to pay off 30-yr mortgage. Here's how.

7eight9 wrote: Fri Jun 18, 2021 9:19 am Nikkei December 29, 1989 --- 38,915
Nikkei June 18, 2021 --- 28,964

No reason it can't happen here.
When the value of my home exceeds the GNP of a first-world country, I'll start worrying about that scenario.
by lazydavid
Sun Jun 13, 2021 10:28 am
Forum: Personal Consumer Issues
Topic: unlocked 2G flip phone
Replies: 5
Views: 532

Re: unlocked 2G flip phone

Should be able to reach 911. I keep one old phone as a backup for emergencies. Otherwise, recycle. Unlikely. A phone can't even dial 911 if there are no towers for it to connect to. AT&T shut down their 2G network in 2016, T-Mobile and Verizon last year, and Sprint will be the final one later t...
by lazydavid
Sun Jun 13, 2021 8:02 am
Forum: Personal Consumer Issues
Topic: Another thread on "Which car should I buy?"
Replies: 40
Views: 2962

Re: Another thread on "Which car should I buy?"

I'd just add the qualifier that modern turbos are very reliable, so any potential for future repairs comes from adding one more electrical/mechanical system to the car, not because turbos are troublesome. The proverbial one more thing that can break. This. My car has a complex sequential twin-turbo...
by lazydavid
Fri Jun 11, 2021 6:55 am
Forum: Personal Consumer Issues
Topic: Income req’d to afford pricey private school tuition?
Replies: 21
Views: 2288

Re: Income req’d to afford pricey private school tuition?

I just have some advice, never say "I have to go to the john" in a Catholic school. That was a mistake that gave me some good old Nun paddling and a red arse, and washing the mouth out with soap for 1 hour. Why was this a big deal to the nuns? I don’t understand what is offensive about th...
by lazydavid
Fri Jun 11, 2021 6:52 am
Forum: Personal Consumer Issues
Topic: Intermatic timer
Replies: 21
Views: 1262

Re: Intermatic timer

Ours has been running the foyer lights for 16 years. Two twist timers in bathrooms, also Intermatic, 16 years. Outdoor landscape light transformers too... I've never had a problem with their twist timers, or their outdoor (120V or low-voltage) rotary units. But their electronic programmable ones ar...
by lazydavid
Tue Jun 08, 2021 9:04 am
Forum: Personal Consumer Issues
Topic: When did cars start good safety features?
Replies: 100
Views: 6076

Re: When did cars start good safety features?

When is it an apples-apples comparison? Would a 1998 car with such features have the same real world safety as a 2010 car that checks the same boxes? Is the side airbag standard in 1998 the same as 2010? Asking because I don't really know, but it seems that there will be something missing, since cr...
by lazydavid
Tue Jun 08, 2021 7:51 am
Forum: Personal Consumer Issues
Topic: Non Chlorine Staining Pool Furniture
Replies: 6
Views: 556

Re: Non Chlorine Staining Pool Furniture

If your FC:CYA (Chlorine to stabilizer) ratio is correct, pool water should not stain or fade fabrics. As bwalling said, if you're spilling undiluted 12.5% liquid chlorine all over the place, nothing is safe. :)
by lazydavid
Mon Jun 07, 2021 6:25 pm
Forum: Personal Consumer Issues
Topic: Intermatic timer
Replies: 21
Views: 1262

Re: Intermatic timer

I have not had much success with Intermatic timers as they seem to fail before they should. Just replace it with a new timer. Agreed, I had an intermatic timer switch for our front lights that almost never worked properly. Would be ok for a week or two, then would turn lights on/off on a totally ra...
by lazydavid
Mon Jun 07, 2021 6:33 am
Forum: Personal Consumer Issues
Topic: Attic fans not working
Replies: 42
Views: 3106

Re: Attic fans not working

But I thought the purpose of the fan was to pull cooler air into the house when the outside temperature drops. For example, the other day was hot and the house interior heated up to ~74 (no HVAC usage this day). In the evening, the outside temperature dropped to ~65 much faster than the interior co...
by lazydavid
Fri Jun 04, 2021 12:01 pm
Forum: Personal Consumer Issues
Topic: Above ground pool owners?
Replies: 33
Views: 2653

Re: Above ground pool owners?

Soon to be pool owner here. Get in line, they is long wait around my part of the country. Anyone in IL who needs one, I have one still shrinkwrapped on a pallet in my garage that I can't use. :( Was going to replace mine this year, but the village won't issue me a permit, so I'm stuck repairing the...
by lazydavid
Fri Jun 04, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: Above ground pool owners?
Replies: 33
Views: 2653

Re: Above ground pool owners?

I'm just filling this pool with water from the hose. Guess I need to research salt water pools. Is the salt water bothersome to little one's eyes like the ocean? Just wondering as we have younger cousins. No, the salt gives the water a nice "slick" texture that feels really good on the sk...
by lazydavid
Thu Jun 03, 2021 7:14 am
Forum: Personal Consumer Issues
Topic: Above ground pool owners?
Replies: 33
Views: 2653

Re: Above ground pool owners?

We love ours, and it's super easy to maintain. If you haven't already, head over to troublefreepool.com, learn how to test your water and use simple household chemicals to keep it safe and balanced. Lat year we added a Salt water chlorine generator (SWG), which has made maintenance almost completely...
by lazydavid
Wed Jun 02, 2021 7:36 am
Forum: Personal Consumer Issues
Topic: Saving wear & tear on car (brakes vs transmission)
Replies: 80
Views: 6100

Re: Saving wear & tear on car (brakes vs transmission)

Does "tired" brake fluid boil at a lower temperature? What makes brake fluid "tired"? Does it absorb moisture and degrade? I can't speak to what was meant by "tired", but yes brake fluid is very hygroscopic. It absorbs water readily, which lowers the boiling point subs...
by lazydavid
Tue Jun 01, 2021 8:00 am
Forum: Personal Consumer Issues
Topic: Optimal Sunglasses for Golf?
Replies: 19
Views: 1940

Re: Optimal Sunglasses for Golf?

I use Oakley Targetlines (prizm golf). Helps to see things against green. Echo this. I don't play golf, but wear Oakley Prizm Field (designed for baseball) when coaching Lacrosse. Helps provide contrast for the white ball against blue sky and green grass. Would expect a similar results with a golf ...
by lazydavid
Tue Jun 01, 2021 7:44 am
Forum: Personal Consumer Issues
Topic: Saving wear & tear on car (brakes vs transmission)
Replies: 80
Views: 6100

Re: Saving wear & tear on car (brakes vs transmission)

And with some cars there is simply no way to select a specific lower gear. This is absolutely true, but is gradually becoming less and less common. Most modern vehicles have some form of manual gear selection, and well over half have paddle shifters now, even in non-sporty models. Forum favorites C...
by lazydavid
Thu May 27, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is maxing out tradition 401K when in 12% tax bracket make sense?
Replies: 104
Views: 6978

Re: Is maxing out tradition 401K when in 12% tax bracket make sense?

My opinion: Use the 401k to at least get to the company match. That is free money. Then max out the ROTH. you still get match on 401k Roth contributions. The only gotchas are that you effectively have to contribute more to get the maximum match, because your contributions are in post-tax dollars; a...
by lazydavid
Thu May 27, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Is maxing out tradition 401K when in 12% tax bracket make sense?
Replies: 104
Views: 6978

Re: Is maxing out tradition 401K when in 12% tax bracket make sense?

Your contributions to either tax-deferred 401k or Roth 401k cannot be distributed until you are 59.5... by law . There is a hardship exception. If you rolled a Roth 401k over into a Roth IRA, I would think you could withdraw principal after 5 years without penalty, just like you can do with "s...
by lazydavid
Thu May 27, 2021 9:10 am
Forum: Personal Consumer Issues
Topic: Saving wear & tear on car (brakes vs transmission)
Replies: 80
Views: 6100

Re: Saving wear & tear on car (brakes vs transmission)

Anyone want to explain to me the physics of pumping the brakes vs riding them? The same kinetic energy has to be dissipated as heat either way... but perhaps there's a second-order effect I'm overlooking? Logically speaking, if you get on the brakes hard for a short time, you generate a bunch of he...
by lazydavid
Thu May 27, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Saving wear & tear on car (brakes vs transmission)
Replies: 80
Views: 6100

Re: Saving wear & tear on car (brakes vs transmission)

bds3 wrote: Wed May 26, 2021 11:03 pm Buy a new high-end sports car with carbon ceramic brakes. The rotors last 100,000+ miles. Brake all you want and save your transmission.
:mrgreen:

Concern: engine braking may shorten the life of my $5,000 transmission
Solution: Purchase $10,000 brakes
by lazydavid
Mon May 24, 2021 8:55 am
Forum: Personal Consumer Issues
Topic: Home WiFi options for non-tech elderly parents living overseas in big home?
Replies: 36
Views: 2553

Re: Home WiFi options for non-tech elderly parents living overseas in big home?

Thanks for teaching me that despite both Google Nest and Wifi having ethernet ports, that only the original allows Ethernet between nodes. Would LOVE to run cat6 through the house and between houses. Unfortunately, there is a fancy 20' wide stone walkway (like a wide driveway) between the two homes...
by lazydavid
Sat May 22, 2021 7:59 pm
Forum: Personal Consumer Issues
Topic: Kitchen Reno- Gas oven or electric?
Replies: 74
Views: 4410

Re: Kitchen Reno- Gas oven or electric?

I really butchered that up. My wife corrected me that it is the moisture that doesn't cause the bread to get as crusty versus electric. Thanks for the correction. This is either wholly inaccurate, or lacking nuance. Of our four ovens (two gas, two electric), the one that produces the best crust is ...
by lazydavid
Sat May 22, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: Ford Lightning EV
Replies: 207
Views: 12861

Re: Ford Lightning EV

Slacker wrote: Sat May 22, 2021 8:20 am Do you really believe that charging some power tools on site will use up more than 70kwhr of energy? I highly doubt that.
I don't know, I could see a typical day at a jobsite requiring 28,000 cordless tool batteries to be charged.... :mrgreen:
by lazydavid
Sat May 22, 2021 7:48 am
Forum: Personal Consumer Issues
Topic: L Certified Lexus GX 460 nightmare
Replies: 72
Views: 6068

Re: L Certified Lexus GX 460 nightmare

That’s my question too, wouldn’t the noise have been there in ops test drive? How long after driving off the lot after the purchase did it start? The fender liners could have been fully seated where they were supposed to be, and not made any noise initially. But because they were not secured there,...
by lazydavid
Fri May 21, 2021 1:41 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 101
Views: 4066

Re: Should I buy a SLR camera without a built in flash?

An update - I decided to go with the D850 camera, and purchased a shoe-mount pocket flash (Nikon SB-400) to go along with it. I think the SB-400 is small enough that I can stuff it in my camera bag and use when needed. You will not be sorry. The D850 looks to be a great camera (haven't used one mys...
by lazydavid
Thu May 20, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question on experience with Insurance Broker.... anyone have feedback on State Auto Insurance Companies
Replies: 18
Views: 1335

Re: Question on experience with Insurance Broker.... anyone have feedback on State Auto Insurance Companies

That's also oversimplified. You left out some of the best in the industry Amica, USAA, Pure and Chubb for the high net worth folks. You also are clueless to the regulatory component and market conduct exams that all insurers must comply with. I agree that it's oversimplified. I intentionally did no...
by lazydavid
Thu May 20, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Question on experience with Insurance Broker.... anyone have feedback on State Auto Insurance Companies
Replies: 18
Views: 1335

Re: Question on experience with Insurance Broker.... anyone have feedback on State Auto Insurance Companies

This company was clearly named specifically so it could be confused with State Farm. This is how scam companies behave. I'd steer clear. Here are the only agencies I'd consider working with: State Farm Farmer's Allstate Liberty Mutual Maybe Progressive, because I've had good experiences with claims ...
by lazydavid
Thu May 20, 2021 7:19 am
Forum: Personal Consumer Issues
Topic: L Certified Lexus GX 460 nightmare
Replies: 72
Views: 6068

Re: L Certified Lexus GX 460 nightmare

I would suspect prior accident too. Maybe a post in clublexus.com or own of the other forums would have some expertise on why they would be removed (certified inspection or accident). And/or run a Carfax or similar report. The Carfax will be clean. That's one of the core requirements of the L Certi...
by lazydavid
Tue May 18, 2021 9:21 am
Forum: Personal Consumer Issues
Topic: Air Pods Max
Replies: 6
Views: 537

Re: Air Pods Max

The reviews are excellent, and they're generally regarded as the best-performing ANC headphones in the market now. That said, there are still better-sounding options if ANC is not a necessity. Drop Pandas ($400) come to mind in this regard. That's probably as close as a bluetooth headset can get rig...
by lazydavid
Tue May 18, 2021 8:54 am
Forum: Personal Consumer Issues
Topic: No longer separate charge for Amazon HD music!
Replies: 17
Views: 2678

Re: No longer separate charge for Amazon HD music!

Macworld is saying that Hi-Def is just a marketing trick as almost no-one can hear the difference! https://www.macworld.com/article/346595/no-one-actually-needs-hi-res-apple-music-audio.html That was pretty cool. I did another one put out by NPR that asked the listener to choose the "best qual...
by lazydavid
Mon May 17, 2021 2:00 pm
Forum: Personal Consumer Issues
Topic: Life events spent more than earned
Replies: 57
Views: 6053

Re: Life events spent more than earned

We're 12 years removed from buying diapers, but when we did, we had a strong preference for the Kirkland (Costco) brand. That they were cheaper than almost anything else on the market was just a nice bonus. Current prices for mail order (almost certainly cheaper in club): Size 1: 15.6 cents each Siz...
by lazydavid
Mon May 17, 2021 6:30 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 64
Views: 25369

Re: Is there a current car without a console between the front seats?

There are lots of current cars with wide-open storage under the console for a purse. If you need to sit with your knees splayed out to the side obviously that doesn't help, but it does address the storage concern.
by lazydavid
Fri May 14, 2021 10:30 pm
Forum: Personal Consumer Issues
Topic: Moving-YouTube Tv vs. Directv
Replies: 22
Views: 1733

Re: Moving-YouTube Tv vs. Directv

When we upgraded to a 4K TV, I exceeded my monthly data cap in four days. Had to upgrade to an unlimited plan. If you run 1080, you can stream a crap-ton and stay under 1.2TB. If you run 4K, not so much. only some of the stuff we watch is actually in 4k, but it's fun to peek at my wifi monitoring w...
by lazydavid
Fri May 14, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6282

Re: Apple watch for 10 year old?

14 year olds are using their phones in class for a lot more than listening to music. Yeah, even the "good" kids are going where responsible parents would not want their kids to be going. If one would not allow their young teen to ride a motorcycle on the street while not wearing a helmet,...
by lazydavid
Fri May 14, 2021 10:12 am
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6282

Re: Apple watch for 10 year old?

Clearly all kids are different, but mine has had a smartphone since he turned 10 (turns 14 in two months), and there have been no incidents other than one battery failure that was not his fault. He takes it with him everywhere he goes unless he is with us. Makes it easy to check in on him, or for hi...
by lazydavid
Fri May 14, 2021 8:26 am
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 36
Views: 2574

Re: Best time to buy tires

I buy tires when the ones I want are $70 off at Costco, with penny installation for Executive members.
by lazydavid
Fri May 14, 2021 6:56 am
Forum: Personal Consumer Issues
Topic: Does it make financial sense to buy a "beater" for a long distance commute?
Replies: 90
Views: 5560

Re: Does it make financial sense to buy a "beater" for a long distance commute?

Currently have a 2017 Lincoln MKZ with around 52,000 miles on it. Well-maintained, no issues so far. This is a great car for your use case. It's quiet, comfortable, reliable and gets decent fuel economy. And it depreciates fairly quickly regardless of mileage, so the somewhat high incremental milea...
by lazydavid
Thu May 13, 2021 9:38 pm
Forum: Personal Consumer Issues
Topic: Rugged laptop options?
Replies: 31
Views: 1746

Re: Rugged laptop options?

Stop picking your laptop up by the display. :P Seriously though, the business-line laptops are just built better than most consumer-grade ones (excluding some of the higher end consumer units), and will survive many years of normal use or even modest abuse. Downside is they tend to be a lot more tha...
by lazydavid
Wed May 12, 2021 4:26 pm
Forum: Personal Consumer Issues
Topic: Does it make financial sense to buy a "beater" for a long distance commute?
Replies: 90
Views: 5560

Re: Does it make financial sense to buy a "beater" for a long distance commute?

rockstar wrote: Wed May 12, 2021 4:09 pm For long commutes, I'd get a used Prius.
4-hour highway drives twice a week in an old Prius? Death would be preferable. Or Deaf, at the very least.
by lazydavid
Sun May 09, 2021 9:28 pm
Forum: Personal Consumer Issues
Topic: Windows 10 + Chrome = Slow and Sluggish
Replies: 90
Views: 3889

Re: Windows 10 + Chrome = Slow and Sluggish

Given most SSDs are 2.5 as opposed to 3.5, don't you have to buy some mount kit to install properly? I bought these : https://www.newegg.com/orico-1125ss-bk-hard-drive-caddy/p/0VN-0003-00108 Works wonderfully. I upgraded to SSDs several years ago. Haven't looked back since. Thank you. I'm also disc...
by lazydavid
Sun May 09, 2021 6:33 pm
Forum: Personal Consumer Issues
Topic: Windows 10 + Chrome = Slow and Sluggish
Replies: 90
Views: 3889

Re: Windows 10 + Chrome = Slow and Sluggish

I have a magnetic disk, not a SSD Why are you doing this to yourself? Truth. A 480 GB SSD is $49 . There is literally zero reason in 2021 to have spinning rust as your boot device. Arguments can be made in favor or opposition to high-capacity traditional HDDs for data storage. But no one should be ...
by lazydavid
Fri May 07, 2021 7:05 am
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 99
Views: 8084

Re: Buying a new laptop

Went to the Lenovo website and found the following choices on page 2 between $500- $600. Which would you recommend? https://www.lenovo.com/us/en/outletus/laptops/c/LAPTOPS?q=%3Aprice-asc&page=1 I would get the X13 Gen 1. The X series is Lenovo's workhorse business/enterprise line. They're reall...