Search found 362 matches

by caffeperfavore
Wed Sep 23, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

Again, confused how buying online is any different than buying brick-and-mortar in this context. Are you saying this can't happen with a bike you purchase from a shop? Are you unable to take a bike purchased online to a shop and have a basic tune-up conducted before your ride? You are paying a mass...
by caffeperfavore
Tue Sep 22, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

Out of curiosity, what "support" are you looking for when buying a bike? I've bought several bikes both online and in a shop, the "support" is no different. Buying from a shop, you may get a year's worth of "free" maintenance, but you are paying for it. I always find these type of statements odd as...
by caffeperfavore
Tue Sep 22, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

Thanks for the recommendation. I don't mind paying extra as long as I know there is value. Bike wise, I am mechanically inclined so I doubt I will goto a local bike store for maintenance. Unless, if I stip something beyond repair I would need the tool/muscle power. Are Hydraulic brakes > Mechanical...
by caffeperfavore
Tue Sep 22, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

Thanks for the fantastic explanation. Went to my local Trek store. The guy mentioned at my price range I should consider a AL2 but I need to wait until February to get shipments. They had bikes there for $10k+ mind you. Bikes Direct is looking better. At $800, a bit more than you were planning on s...
by caffeperfavore
Mon Sep 21, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

OP, you mentioned cyclocross or gravel bikes. Of the two, I would steer you towards gravel bikes (even though I own a cyclocross bike) as they are more versatile and comfortable. Cyclocross it kind of an oddball niche, designed for a very specific type of racing. Bike geometries tend to be more aggr...
by caffeperfavore
Thu Sep 17, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 4986

Re: Condo rich vs house poor?

ossipago wrote: Thu Sep 17, 2020 10:43 am Not very many LCOL areas offer many $250K jobs. Sounds like they possibly work in finance in NYC.
The beauty of LCOL or even MCOL areas is that you don't have to make $250k to be better off than you were before.
by caffeperfavore
Wed Sep 16, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2633

Re: Tiffany Quality

but the Le Creuset, might work. I like this idea. Seems to have the “feel” you are after but is an item (dutch oven) that I have actually seen on a thirty somethings registry recently. I like this idea too. We were gifted several Le Creuset items and we use them all the time. My wife likes them bec...
by caffeperfavore
Tue Sep 15, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

lazydavid wrote: Tue Sep 15, 2020 6:56 am That's a hell of a lot of scratch for a BMX bike with no pegs, rotor/gyro, or even a front brake.
It's a small price to pay for one's childhood dreams. :)

This is just one example of the adult sized BMX bikes out there though. There are cheaper options.
by caffeperfavore
Mon Sep 14, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 4993

Re: Bike Recommendation

No gears? Wanted a cool BMX bike when younger? Durable? Not too pricey? Get a big wheel BMX bike! https://www.gtbicycles.com/usa_en/pro-performer-29 https://bmxdotcom.files.wordpress.com/2018/12/gt-pro-performer-29-orange.jpg This one is a bit north of your budget (Haro and others make cheaper ones)...
by caffeperfavore
Thu Sep 10, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Amazon vs. eBay comparison
Replies: 20
Views: 853

Re: Amazon vs. eBay comparison

I research things on Amazon, then buy elsewhere. I use Ebay as another data point. You can usually find better prices from others. I've had too many issues with late deliveries and product quality from Amazon, not to mention their abysmal labor practices. More and more, I'm buying things directly fr...
by caffeperfavore
Tue Sep 08, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3690

Re: Buying Fine Art - advice needed.....

Have they offered any sort of provenance for it? They should have some sort of documentation for an older piece like this. If it's a reputable dealer, then I may not be too concerned about it. $10k isn't crazy money for decent contemporary artists for works that size, let alone historical works, so ...
by caffeperfavore
Mon Sep 07, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7531

Re: How do Bogleheads cope with FOMO?

By waiting long enough to watch the bodies of the market timers go floating by.
by caffeperfavore
Fri Aug 28, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Are you able to do a comparison of the measurements lets say between Trek DOmane AL2 and Ibis Hakka MX and come up which you think is the right size for me? 53 vs. 55? I am inclined to get 53 if i get this bike. This is personal preference, but I've always chosen the smaller of two sizes if I was o...
by caffeperfavore
Fri Aug 28, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

2x matters depending on the steepness of the hills. If you don't mind walking up some steep ones, or don't expect to encounter any, a 1x is fine, and greatly reduces complexity, and likelihood of chain drop (e.g a narrow-wide chainring). Even with these crazy rear cassettes with rings the size of d...
by caffeperfavore
Fri Aug 28, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Let me give some more perspective. I have an entry level road bike “Trek Domane AL2” which i bought for 850$ a year and half ago. I put ~ 2000 miles on it since i purchased. I go solo and also ride with a local group and i ride around 50-75 miles every week. My average speed is generally around 15-...
by caffeperfavore
Thu Aug 27, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

I think we all have different ideas of what gravel biking is, so you're getting a lot of different views here, albeit good advice and things to consider depending on your needs. To really dial in this recommendation, do you value comfort over speed or vice versa? Do you want to be more upright or ae...
by caffeperfavore
Wed Aug 26, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Thanks for your comments. I would say i probably will ride 70% on paved and 30% on gravel. So definitely i am not planning to go to mountains for single/double track roads. Have you ridden any 650B before? (I haven't). The only thing i could think is that it should give better feel better control o...
by caffeperfavore
Wed Aug 26, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Those two look nearly the same to me, including the specs, so I would go with the one that feels best. I would also look into their warranties, both what they say and what people's real world experiences have been. Santa Cruz is more of a known brand to me than Ibis, but that could just be me. The I...
by caffeperfavore
Thu Aug 20, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 79
Views: 5281

Re: Can I afford a new car?

2020 Toyota Rav4 Hybrid which is around $40K. ...... I am 42 year old a single mom with a 11 year old girl. I have not followed that segment of the car market but $40K for a Rav4 seems like a LOT for what you are getting. Yeah, you need to shop around. There's some great threads here on BH about ho...
by caffeperfavore
Thu Aug 20, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Not on your list but I purchased a Trek Checkpoint SL5 a few months ago. I really like it. Omg , 2021 orange color is looking good. I saw this and started thinking about this one. I will check local Trek store. https://www.google.com/amp/s/amp.reddit.com/r/TrekBikes/comments/gma98q/nbd_2021_checkpo...
by caffeperfavore
Thu Aug 20, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

How well does the Trek "isospeed decoupler" work? Sounds interesting and appropriate for a gravel bike if it works well. It just allows a bit of wiggle room in the seat post and front steerer/head tube area. Honestly, it's just a glorified rubber damper that allows a little float to absorb vibratio...
by caffeperfavore
Thu Aug 20, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Now, all that said... the right answer is absolutely a Lynskey GR300 with GRX600 2x with 46/30 cranks on Rene Herse Steilacooms running tubeless with 35psi up front, 40 psi in back. With the usual Lynskey discount codes it will come in under $3k, but I have no idea what their lead time is these day...
by caffeperfavore
Thu Aug 20, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 98
Views: 5666

Re: Gravel Bike Recommendation

Get the one that feels the best. But, I would happily pay a bit more for 105. The new Tiagra is pretty good (minus a gear), but I don't think I would go as low as Sora. That will also give you more upgrade options in the future as the lower end stuff and compatible items are phased out of the Shiman...
by caffeperfavore
Fri Aug 07, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Old Bike Values?
Replies: 15
Views: 1353

Re: Old Bike Values?

As someone who spends too much time scanning Craigslist for vintage bikes and reading about them on the bike forums, I agree with the others on the Ross and Sears bikes. I would be happy to get $50. But, what year is the GT? New ones don't sell for much, but after a quick search on eBay there appear...
by caffeperfavore
Wed Aug 05, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Looking for a $500 new office chair
Replies: 33
Views: 2272

Re: Looking for a $500 new office chair

I have a refurbished Aeron. There's nothing terribly complex about them and I've been able to find parts online as needed (it turned out that I just needed to tighten something, not replace it). You can take one completely apart with a hex key. Personally, I wouldn't worry about it if the place seem...
by caffeperfavore
Wed Aug 05, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9088

Re: Mosquitos! Mosquitos! Mosquitos!

TomatoTomahto wrote: Wed Aug 05, 2020 9:12 am We have tried bat houses, but they unfortunately have no occupants. I hope it’s because we have more suitable accommodation in the woods.
Clearly, you need to lower your rates. Or, maybe you're getting some bad AirBnB reviews?
by caffeperfavore
Wed Aug 05, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9088

Re: Mosquitos! Mosquitos! Mosquitos!

We've gotten in the habit of having our gutters cleaned at the start of the summer. We've also eliminated a couple sources of standing water and installed bat houses. It's made a huge difference. I would try literally everything else before spraying. We love our butterflies, fireflies, caterpillars,...
by caffeperfavore
Sun Aug 02, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: Speed bump in front of your house — affect on home value
Replies: 54
Views: 4007

Re: Speed bump in front of your house — affect on home value

Some of the most desirable neighborhoods I know of have plenty. It certainly doesn’t seem to have adversely affected their home prices. But, I think we should learn from the Dutch who have a better solution: continuous sidewalks, which slow drivers down where it matters and look better too. https://...
by caffeperfavore
Sat Aug 01, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1048

Re: Suggestions for Women's light-weight bike

I'm wondering if there's some sort of lightweight ramp type of thing that might help. Something like this: https://www.thule.com/en-us/bike-rack/accessories/thule-easyfold-xt-loading-ramp-_-933401 . Although, I realize this isn't right for the Saris Bones rack, just trying to convey the general idea...
by caffeperfavore
Fri Jul 31, 2020 8:39 am
Forum: Personal Investments
Topic: Is 25 too young for paid off house?!
Replies: 72
Views: 5223

Re: Is 25 too young for paid off house?!

Is that a typo? Are you missing a digit in the price of your house? $65k? If not, I need to try some geographic arbitrage and move to Iowa. I've heard of $10,000 houses in Detroit and other areas, but not in Iowa, which I heard is a nice place to live. Time to move! I am thinking the same thing her...
by caffeperfavore
Tue Jul 28, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: How to sell a used car with engine problems?
Replies: 30
Views: 2408

Re: How to sell a used car with engine problems?

I second CarMax. They'll factor the repair into the price.

I blew a clutch on the way to CarMax to sell it. I had it towed there and they still bought it. The price was actually reasonable.
by caffeperfavore
Tue Jul 28, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?
Replies: 26
Views: 2215

Re: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?

Maximum taxable earnings. You don't owe FICA or SE tax on amounts above the MTE. The MTE is currently around $138,000. Spirit Rider has placed a lot of math in there that is very precise and helpful. To put it in more understandable terms, a sole proprietor pays SE tax on all income up to the MTE b...
by caffeperfavore
Tue Jul 28, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?
Replies: 26
Views: 2215

Re: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?

A simple guideline is that an S-Corp is best with a business profit between (1/4)X the SS MTE and (1 1/2)X the SS MTE. Then if you are an SSTB, a sole proprietorship is best until you are significantly phased out of the QBI deduction. In a quirk if you are not an SSTB, you absolutely need to be an ...
by caffeperfavore
Wed Jul 15, 2020 3:29 pm
Forum: Personal Investments
Topic: Moderna
Replies: 45
Views: 4985

Re: MODERNA

Yes... as part of a low cost equities index fund in a three fund portfolio.

This is Bogleheads you know. :P
by caffeperfavore
Wed Jul 15, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)
Replies: 38
Views: 2508

Re: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)

Another happy Toto 1.28 owner. You could flush a musk ox down one of them. No problem. Can't remember the model, but we paid around $300 (?) for them.
by caffeperfavore
Tue Jul 14, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3401

Re: Coffee storage

I haven’t seen a thread on boglehead’s coffee setups before... I’m itching for my new Sette 270wi to arrive any day now to go with my old (but still kicking) Ranchilio Silvia. I don’t do milk drinks often, so don’t (yet) feel the burn for a double broiler. I would just get a PID for the Silvia as I...
by caffeperfavore
Tue Jul 14, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3401

Re: Coffee storage

I haven’t seen a thread on boglehead’s coffee setups before... I’m itching for my new Sette 270wi to arrive any day now to go with my old (but still kicking) Ranchilio Silvia. I don’t do milk drinks often, so don’t (yet) feel the burn for a double broiler. I would just get a PID for the Silvia as I...
by caffeperfavore
Mon Jul 13, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21515

Re: How is this possible -- stock market continues to soar.

A bad flu season usually costs us around 65,000 lives so 140,000 out of a population of 300,000,000+ is incredibly sad and very tragic (especially on a personal level) but nowhere near the estimate of up to 2 million we were hearing when the selloff occurred as I remembered. With the exception of t...
by caffeperfavore
Mon Jul 13, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3401

Re: Coffee storage

They recommended against freezing or refrigerating, for some very valid scientific reasons that I can’t remember at the moment. I have heard freezing is a no go as well, but that is usually what I do. Airtight container and they still taste good to me. I buy cheap organic beans from Costco, so my p...
by caffeperfavore
Mon Jul 13, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21515

Re: How is this possible -- stock market continues to soar.

Stocks are the worst place to stash your money right now, except for everywhere else.
by caffeperfavore
Fri Jul 10, 2020 11:58 am
Forum: Personal Investments
Topic: 51 year old physician
Replies: 85
Views: 10208

Re: 51 year old physician

I'm always impressed with Bogleheads' ability to spin an entire thread out of a cryptic post or two. :P
by caffeperfavore
Tue Jul 07, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7723

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

I can understand paying more for something because you appreciate the craftsmanship or quality of the item. I'm increasingly interested in buying things for life, or at least a long time as I despise waste and throwaway items. I have a Bosca wallet that looks as new as the day I bought it six years ...
by caffeperfavore
Tue Jun 30, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from W2 to 1099 contractor. Seeking advice.
Replies: 43
Views: 1870

Re: Switching from W2 to 1099 contractor. Seeking advice.

OP, the S-Corp angle is definitely something you should look into and will allow you to stash a lot more into a 401k (over $50k) if the stars align to do so. You don't need an S-corp to do a 401(k). You can do that with a sole proprietorship. Yes, but can you do the full amount that you can do with...
by caffeperfavore
Mon Jun 29, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from W2 to 1099 contractor. Seeking advice.
Replies: 43
Views: 1870

Re: Switching from W2 to 1099 contractor. Seeking advice.

Perhaps you've already done so, but if not, make sure the new position actually meets the criteria for independent contractor work: https://www.irs.gov/newsroom/understanding-employee-vs-contractor-designation This is totally on the employer. They are the ones that are on the hook to have to defend...
by caffeperfavore
Fri Jun 19, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 132
Views: 14551

Re: Capital One is at it again

Yet another former ING savings account customer here. If you weren't part of ING you might not understand why some of us are so irritated. The initial attraction to ING was that they always offered among the best rates, in fact they almost seemed to be aggressively trying to maximize your earnings. ...
by caffeperfavore
Thu Jun 18, 2020 9:37 am
Forum: Personal Investments
Topic: I am beginner, it's hard to decide when to buy.
Replies: 41
Views: 2293

Re: I am beginner, it's hard to decide when to buy.

I watched a lot of youtube channel, they advise investors to make short-term investments right now, don't make long-term investments. I'm piling on now, but 99% of YouTube, cable financial news, etc. is just noise. Create an IPS and stick with it: https://www.bogleheads.org/wiki/Investment_policy_s...
by caffeperfavore
Thu Jun 18, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2816

Re: VW and Audi 0% APR - to buy or not?

Hi All, As an update I did end up fixing the TL. I spoke with several dealerships, repair shops, and even auctions. It made the most financial sense to fix the car. Thank you for all your help and advice. Best, bogler52 It usually does. Congratulations on making the fiscally smart move. If your eng...
by caffeperfavore
Tue Jun 16, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Psychologist career pros and cons
Replies: 23
Views: 2107

Re: Psychologist career pros and cons

She should really talk to people working in the field - what were their educational and career paths like, what do they like or not like about the profession, etc. That's a bit challenging now with COVID but still can be done. Much better than getting what would be third-hand information. Agreed. S...
by caffeperfavore
Wed Jun 10, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25791

Re: What fun car should I get in the $150k - $200k range?

mak1277 wrote: Wed Jun 10, 2020 3:43 pm Station wagons are cool again?
If you have to ask, you’re not cool. :P

But the answer is yes.
by caffeperfavore
Wed Jun 10, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25791

Re: What fun car should I get in the $150k - $200k range?

jrbdmb wrote: Wed Jun 10, 2020 10:33 am 1979 Ford F-150. If it was good enough for Sam Walton it is good enough for you.

:happy
Sam Walton was no fun.