Recent content by Koolau

  1. Koolau

    Fentanyl Dangers

    The difference is Fentanyl. The difference between an effective dose and death is very small. Most drugs have a bigger safety margin between these two things. The LD50 (lethal dose for 50% of the population) is on the order of 2mg. That's like the size of a few particles of table salt or...
  2. Koolau

    Whole house generator

    Can you imagine the cost of fitting all those little engines with catalytic converters?
  3. Koolau

    Another Crazy Homeowners Insurance Premium Situation (resolved)

    The "people" should never have experienced this problem. I hope I didn't suggest that they were responsible as such. Oahu is less prone to wild fires, though they happen. Our Condo strips the hills on our property of dead brush and grasses to help prevent fires. Most home owners would do the...
  4. Koolau

    Another day, another notice of data breach

    Do you feel comfortable with what they actually "DO" for you? I've seen their commercials and tried to figure out just what their product is and whether it would have value. Anyone with a positive experience with them?
  5. Koolau

    Condo common area cleaning dilemma

    Our building is very well maintained. Of course, we pay a lot for that privilege - a LOT! YMMV
  6. Koolau

    Marginal vs Effective tax rate explanation.

    We are here to help. Only just remember that we are strangers on the internet and we are worth only what you pay us.:cool: Best of luck.
  7. Koolau

    Another Crazy Homeowners Insurance Premium Situation (resolved)

    My point was that "those" (whoever they are) who caused the fire (or didn't properly deal with it) will never have to pay and so the insurance company will pay. But, of course, insurance companies never really pay. They just take from their clients and distribute to those with losses. SO, we...
  8. Koolau

    Another day, another notice of data breach

    I suspect we'd get rid of most computer breaches if we made those who "lost" our data fully legally responsible for all our losses.
  9. Koolau

    Another day, another notice of data breach

    ^^^^^^^ Just because you're paranoid, doesn't mean they aren't out to get you.
  10. Koolau

    You hit an FI number, now what?

    Yeah, that's been typical from what I've seen in the past. The AA can be a rather wide mix of equities/bonds and still be viable within the model.
  11. Koolau

    Cancer screening test by Galleri?

    I suspect this is one of those tests that will evolve with better specificity in the future. I hope so. Having said that, if the test came back "positive" for cancer, I'm guessing the "risk vs benefit" would favor CT scans of chest and abdomen. Perhaps there are other specific tests which...
  12. Koolau

    Another day, another notice of data breach

    Yeah, several years ago, I went to a new clinic to find a new PCP. I filled out all sorts of forms. When I turned them in, the woman at the desk "filed" them in a "in-out" type box on the corner of her desk. Now, on these forms was virtually everything you would need to steal an identity...
  13. Koolau

    Marginal vs Effective tax rate explanation.

    I'm no tax expert, but I don't think this is correct. I've never heard it before but YMMV. ETA Looks like I cross posted with SevenUp.
  14. Koolau

    What is your pet peeve of the day? -- 2021

    I know you are right, but when they are blatant about it I guess I dig my heels in. Probably a silly move on my part, but sometimes you just have had enough (could be that I had been flying all day and hadn't slept in 30 hours.) :cool:
  15. Koolau

    What is your pet peeve of the day? -- 2021

    Call me a curmudgeon or any name that seems to fit, but I don't like forcing people to jump through hoops to get a "deal." After all, we all know why they are doing it - data mining. At a minimum, THEY will use the data for their own enrichment. More likely, they will also sell our data to...
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