Search found 182 matches

by bi0hazard
Sat Mar 06, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 92
Views: 5138

Re: How to make strong coffee equivalent to Starbucks for cheaper?

Starbucks sells 2X caffeine keurig cups. k-cups are about the worst of the instant-serve pods, because the grind is too coarse, and the drip hole is too big, so very little actual coffee is extracted into the water, which is not what the OP is looking for. Unless they sprinkle caffeine directly int...
by bi0hazard
Fri Feb 26, 2021 8:39 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12468

Re: How much do you spend nightly for hotels (leisure/vacation)?

I try to aim at less than $200/night. I stopped using hotels rooms (unless there’s no other choice) years ago. Houses/apts via Airbnb are way, waaay better than a tiny room in a hotel. I want 2-3 rooms, kitchen, etc. No it’s not weird being in someone else’s house. I do not need a maid to make my be...
by bi0hazard
Wed Feb 24, 2021 4:01 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5157

Re: What is the deal with "DW"?

I think we a consensus to ban the use of all the D(x) variants. Clearly nobody likes it. :oops:
by bi0hazard
Tue Feb 23, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 192
Views: 13591

Re: Private School - financially irresponsible?

No way would I pay even remotely close to 25% income on elementary school (or college). To me personally, that's absurd. I recommend moving to a place where public school is acceptable.

How about White Plains or Scarsdale? Pretty nice in my youth, not sure about now.
by bi0hazard
Sun Feb 21, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: Calling all Plumbers (or anyone who has bought a toilet).
Replies: 76
Views: 6331

Re: Calling all Plumbers (or anyone who has bought a toilet).

I'm not sure there's a good answer for OP's conundrum, but next time try to install the toilet yourself. It is easy with absolutely no plumbing skills, and saves you the hassle of dealing with plumbers. :beer
by bi0hazard
Sat Feb 20, 2021 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Revealing net worth
Replies: 251
Views: 16324

Re: Revealing net worth

Besides boasting, what would be a possible motive to discuss NW with friends and family? :confused
by bi0hazard
Sat Feb 20, 2021 3:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin and the US Dollar
Replies: 122
Views: 8288

Re: Bitcoin and the US Dollar

I don't know a thing about monetary policy, but I don't see how USD and BTC would influence each other. USD is an actual currency, and BTC is a fomo speculative "investment" which is not suitable for buying purposes.
by bi0hazard
Fri Feb 19, 2021 5:14 pm
Forum: Personal Consumer Issues
Topic: Summer vacation in Colorado
Replies: 28
Views: 2534

Re: Summer vacation in Colorado

I like Boulder, but Denver area is too hot in the summer, even for a Texan. Definitely go west from there.
by bi0hazard
Sun Feb 14, 2021 1:56 pm
Forum: Personal Consumer Issues
Topic: Best Tires
Replies: 70
Views: 4479

Re: Best Tires

Michelin Defender is terrible in snow based on my personal experience. You'd want snow tires or chains if going to the Sierras. I had the opposite experience with Michelin Defenders on my wife's 2015 Honda Pilot. Two years stationed in Great Falls, Montana and with Michelin Defenders our Pilot was ...
by bi0hazard
Fri Feb 12, 2021 3:54 pm
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 396
Views: 30609

Re: If you bought Bitcoin, when do you plan to sell?

Not an actionable response, but I'm amazed how long this FOMO pump has lasted. The FOMO is very very strong for this worthless code. Eventually, I think there will be a few bagholders. :greedy
by bi0hazard
Mon Feb 08, 2021 3:20 pm
Forum: Investing - Theory, News & General
Topic: Individual stock regret
Replies: 57
Views: 5502

Re: Individual stock regret

I’m on the opposite end. I just opened up a separate brokerage account only for individual stocks. I’m FI, and this will be 1% of my portfolio, or less. My focus: investing into up and coming companies. No day trading. Kind of an adult game.
by bi0hazard
Sat Feb 06, 2021 1:31 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4531

Re: Laptop Decision

I have good experience with HP. I have 5 HP laptops of various ages, all running strong. Batteries lose power over years, but that may be industry normal. Otherwise, no issues whatsoever, never called customer service. Latest buy for my teenager 2 months ago: Envy Convertible 15.6" Full HD touc...
by bi0hazard
Fri Feb 05, 2021 3:28 pm
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1861

Re: Mask filters?

When shopping, I use Powecom KN-95, which by no means actually filters 95% stuff, as it doesn't exactly fit perfect. Reportedly Powecoms have been counterfeited, and so now they have anti-fake packaging to help you identify the real ones. I guess that means that people are confident about the real ...
by bi0hazard
Fri Feb 05, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1861

Re: Mask filters?

I am satisfied with the way the KN-95 masks I have fit me. They pucker onto to my face when I inhale and my glasses do not fog up when I exhale. I am not sure there is much else one can do except stay away from situations where one needs to use a mask if at all possible. Top of the mask is easiest ...
by bi0hazard
Fri Feb 05, 2021 3:16 pm
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1861

Re: Mask filters?

In my opinion, cloth masks with filters are mostly a gimmick, particularly for covid protection. From my amateur research, I believe the best "civilian" (non-medical) masks are Korean, individually wrapped, KF-94 masks. Some are adjustable, some FDA approved, and can filter 99%+. This is ...
by bi0hazard
Fri Feb 05, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1861

Re: Mask filters?

In my opinion, cloth masks with filters are mostly a gimmick, particularly for covid protection. From my amateur research, I believe the best "civilian" (non-medical) masks are Korean, individually wrapped, KF-94 masks. Some are adjustable, some FDA approved, and can filter 99%+. This is w...
by bi0hazard
Thu Feb 04, 2021 8:56 pm
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9518

Re: Cash vs. Credit

I haven't used cash in about 15 years (traveling throughout US and Europe including). My wife has some for emergency purposes. Don't see any benefits. Visa only, pay off each month, get :moneybag rewards.
by bi0hazard
Mon Feb 01, 2021 7:32 pm
Forum: Personal Consumer Issues
Topic: New Garbage Disposal Time?
Replies: 26
Views: 1340

Re: New Garbage Disposal Time?

As others have mentioned, replacing the garbage disposal is super easy . But the key (IMO) is to buy the EXACT same model, so you don't have to change any of the plumbing at all. :beer
by bi0hazard
Mon Feb 01, 2021 7:51 am
Forum: Personal Consumer Issues
Topic: Honda Accord 2nd key fob no longer working. Do I call the dealership?
Replies: 21
Views: 1849

Re: Honda Accord 2nd key fob no longer working. Do I call the dealership?

Kind of a long shot.... but when my Accord key fob died, I bought cheap battery replacement online and the the battery was dead on arrival, so the fob didn't work. Additionally, some of those batteries look very similar, but they may not be exactly same. So personally, before taking it the dealershi...
by bi0hazard
Sun Jan 31, 2021 11:01 am
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

OP here. Thanks for all the helpful posts. I think it’s time to wrap up this thread. Discussion degenerated from actual advice, to random rambling about about virtue of small screen low res vintage TV, dislike of TVs, pickup trucks, and TV per household ratio appropriateness. I think the top choices...
by bi0hazard
Wed Jan 27, 2021 8:41 pm
Forum: Personal Investments
Topic: Todays Market..
Replies: 59
Views: 6817

Re: Todays Market..

Yes, I always buy when market drops. I also always keep dry powder/cash, and always try to "catch a falling knife". Never sell though, so all good and somewhat BH-like.

:beer
by bi0hazard
Wed Jan 27, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

wfrobinette wrote: Wed Jan 27, 2021 4:19 pm How far from the TV and at what angles?

I always find good info here. https://www.rtings.com/tv/reviews/by-si ... lationship
Thanks. Nice website.
by bi0hazard
Wed Jan 27, 2021 1:01 am
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

Afty wrote: Tue Jan 26, 2021 11:41 pm I just came across this Samsung 85” TV for $1600: https://slickdeals.net/f/14798224-samsu ... 598-amazon
Thanks Afty. I saw this one too. Will have to check it out in person.
by bi0hazard
Tue Jan 26, 2021 11:33 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

Thanks for replies so far. To answer some questions, I've purchased 5 Vizios in the past 11 years, 46,50,55,70 and 70 inch, for different rooms. I also bought about 4 Vizio soundbars . I find the products ok for the price and their customer service is awesome. One of my 70 inch TVs has really bad d...
by bi0hazard
Tue Jan 26, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

Thanks for replies so far. To answer some questions, I've purchased 5 Vizios in the past 11 years, 46,50,55,70 and 70 inch, for different rooms. I also bought about 4 Vizio soundbars . I find the products ok for the price and their customer service is awesome. One of my 70 inch TVs has really bad d...
by bi0hazard
Tue Jan 26, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

yolli71 wrote: Tue Jan 26, 2021 7:05 pm I feel size of the tv makes more of an impact and brings more enjoyment (for me) than the latest picture technology.
Thanks, and I felt exact same way about TVs, until I got a poor picture quality one.
by bi0hazard
Tue Jan 26, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

I suppose I'll go check out oled. However, my frugal mentality may not allow me to spend that kind of money. I'm kinda looking for a toyota camry of TVs.
by bi0hazard
Tue Jan 26, 2021 5:59 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

I know this isn't what you asked, but you might consider a projector for that "movie theater experience." You can go a lot bigger than 80 inches! However, if you can't get your room pretty dark a TV is probably a better option. On the contrary, my room is very bright most of the day, with...
by bi0hazard
Tue Jan 26, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

Re: 80+ inch TV

Thanks for replies so far. To answer some questions, I've purchased 5 Vizios in the past 11 years, 46,50,55,70 and 70 inch, for different rooms. I also bought about 4 Vizio soundbars . I find the products ok for the price and their customer service is awesome. One of my 70 inch TVs has really bad da...
by bi0hazard
Tue Jan 26, 2021 4:55 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5065

80+ inch TV

Would appreciate BH-approved TV. I always buy largest (and cheapest) Vizio TV for my needs, but my latest 70" is pretty bad. I'm not a picture quality connoisseur, but would like decent movies quality, good dark/black shades and least amount of glare. I don't care about 8K or oled. Options are ...
by bi0hazard
Thu Jan 14, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4276

Re: Simple but fun cars

OP, you're basically describing the Mazda Miata.

https://www.mazdausa.com/vehicles/2020-mx-5-miata
by bi0hazard
Mon Nov 23, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: Safe car for a teenager recommendation
Replies: 70
Views: 3697

Re: Safe car for a teenager recommendation

I do care, maybe you didn't read the whole comment. I did, you just chose to quote the only two sentences of my post that were not addressed to you, ignoring the two full paragraphs that were responding to your post, with NTHSA data about how those occupants fare. Moving on. You're confused, not on...
by bi0hazard
Mon Nov 23, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Safe car for a teenager recommendation
Replies: 70
Views: 3697

Re: Safe car for a teenager recommendation

You can do both. Safe driving habits won't save you if somebody rear ends you, but a bigger car will Disagree. I've personally been rear-ended by a Suburban at a decent speed differential (15-20 mph) while driving a compact 3-series, without significant ill effects. A friend of mine's 2-door subcom...
by bi0hazard
Mon Nov 23, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 14131

Re: Silliest Investment Mistakes?

Not understanding that stocks normally fluctuate (when I started out), freaking out every time I "lost" money in stock index funds, and basically only having about 30% stock exposure for years in early 2010s. Would've been years ahead, if I found BH forum back then.
by bi0hazard
Mon Nov 23, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Safe car for a teenager recommendation
Replies: 70
Views: 3697

Re: Safe car for a teenager recommendation

You can do both. Safe driving habits won't save you if somebody rear ends you, but a bigger car will Disagree. I've personally been rear-ended by a Suburban at a decent speed differential (15-20 mph) while driving a compact 3-series, without significant ill effects. A friend of mine's 2-door subcom...
by bi0hazard
Mon Nov 23, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use an accountant for personal taxes?
Replies: 146
Views: 9776

Re: Does anyone use an accountant for personal taxes?

My CPA was charging more and more, and I called it quits at $650. I recommend turbo tax live. Online/video conferencing with CPA whenever, and fees are way lower. My taxes are pretty complex. Returns are guaranteed.
by bi0hazard
Sun Nov 22, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Do I fix up 2006 Acura TL?
Replies: 30
Views: 1566

Re: Do I fix up 2006 Acura TL?

No I wouldn’t beautify a worthless car. The important question i’d want to know: is it safe for my daughter? Are the brakes perfect. ? Are airbags perfect? Does the vehicle have very good crash tests (iihs/ nhtsa )?
by bi0hazard
Sun Nov 22, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone here mostly cash in portfolio?
Replies: 210
Views: 22022

Re: Anyone here mostly cash in portfolio?

checkyourmath wrote: Sun Nov 22, 2020 2:16 pm I am not risking one dollar until I understand what the future holds.
Please let us know when you find out
by bi0hazard
Sat Nov 21, 2020 3:35 pm
Forum: Personal Investments
Topic: Sell bonds and go equities
Replies: 10
Views: 892

Re: Sell bonds and go equities

No offense, but Golman Sachs (your article)has absolutely no idea where the market will go. There are also business articles saying equities can drop 60% in 2021. And we ALL regret not exchanging bonds/cash/rolex/gold into stocks in March, but such is life. Not saying you shouldn't go 101% stocks, b...
by bi0hazard
Sat Nov 21, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 162
Views: 11992

Re: Can we afford this $725,000 house?

Not sure how helpful the feedback in the aggregate has been to OP. Seems split between “of course you can afford” versus “no way.” OP could have a 1MM income and 10MM net worth and there would be some people that would say they couldn’t afford it, or their net worth is too low compared to income so...
by bi0hazard
Sat Nov 21, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Any Car Tire Enthusiasts Out There?
Replies: 21
Views: 1770

Re: Any Car Tire Enthusiasts Out There?

I replaced Bridgestone Duelers (toast after 30k miles) on my 4wd Tahoe with Michelin Defender LTX . Quiet and great on the highway . Handles deep snow, deep sand and ice with relative ease. I’ve had the tires for about 35k miles. I think there’s about 10k usable tread left. If you can get a good pri...
by bi0hazard
Thu Nov 19, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio don't own bonds/cash
Replies: 86
Views: 8239

Re: Ray Dalio don't own bonds/cash

Everybody has to decide for themselves and what Ray Dalio says not does factor at all in my decisions Why would he not factor in ? Do you think his opinions are baseless and of no value ? Yes. Exactly. Maybe we should have daily tips by Dalio and Jim Cramer, so we can rebalance every 24 hrs based o...
by bi0hazard
Wed Nov 18, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7609

Re: New Truck Purchase

Car and driver just placed the RAM on their 10 best list. I don’t ever remember seeing a pickup in this list. Not my thing (huge and super expensive) but worth mentioning here.

https://www.caranddriver.com/features/a ... -ram-1500/
by bi0hazard
Wed Nov 18, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7609

Re: New Truck Purchase

Toyota Tundra I generally find Toyota's to be a solid choice but their Tundra falls behind the competition in most aspects. There are much better choices when it comes to full-size pickups. Agree, questionable advice. 15 year old design, abysmal fuel economy, and frankly unsafe in frontal offset co...
by bi0hazard
Wed Nov 18, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7609

Re: New Truck Purchase

OP, see if you can wait till 2021. ——— New F150s are just starting to get to dealers. Completely redesigned, but still looks the same-ish. Benchmark for full size trucks for decades. What you may want here is the hybrid motor, coming out next year (I believe); good gas mileage and insane power. Silv...
by bi0hazard
Mon Nov 16, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 86
Views: 8568

Re: Taking a 100k paycut for a less stressful job?

Much of ER work is non emergency. I always wonder how you guys tolerate it. I’d go postal in your shoes.

I vote for lifestyle over money. That’s what I did from the start. You’ll have plenty $$ down the road.

B