Search found 250 matches

by bi0hazard
Mon Jan 02, 2023 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Failed business - any way to offset debt with tax savings?
Replies: 5
Views: 1166

Re: Failed business - any way to offset debt with tax savings?

Thank you for the responses and helpful comments. I’m still gathering data, so I don’t have many things available , including the partnership agreement details. I know this is sketchy, but I wanted some general thoughts on this process.

This is an LLC. Two person partnership. K1 for tax purposes.

The initial investment was never recovered, eroded by overhead, interest on loans, etc.

Ultimately, I want this debt repayment (i will pay off in full this week) to sting as little as possible, which is reasonable.

Workinprogress: You’re absolutely correct about tone and possible repercussions.

Zeno: excellent advice .
B-
by bi0hazard
Mon Jan 02, 2023 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Failed business - any way to offset debt with tax savings?
Replies: 5
Views: 1166

Failed business - any way to offset debt with tax savings?

Hi all. I’m going to talk to a CPA soon, but would like to hear some opinions from fellow BHs. Spouse started a business venture in 2020, with one other business partner . Spouse took out about 80k in loans to start the business. Spouse can’t make a profit, always breaking even, and decided to quit (after a year of soul searching). Spouse hasn’t talked to the partner yet, so I don’t know how office lease, office expenses and employees will be handled. They went 50-50 with office expenses. Their office/employees are shared, but the partner is otherwise independent business-wise from spouse. The business partner is extremely successful, bringing in roughly 80% revenue, so spouse won’t be missed much. Has anyone gone through this process, and ...
by bi0hazard
Sat Jul 09, 2022 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Fico8 scores
Replies: 30
Views: 2613

Re: Fico8 scores

Yep , after years @ 820+, I dropped last month to 705 just for exceeding 50% credit line (gets paid off monthly , 0 debt). I could be wrong , but credit companies are leading me to get more credit cards, so my % utilization is lower , why I have no idea .
by bi0hazard
Wed Jun 29, 2022 4:44 pm
Forum: Personal Consumer Issues
Topic: Oregon coast summer
Replies: 28
Views: 3770

Re: Oregon coast summer

OP here. thank you.
by bi0hazard
Tue Jun 28, 2022 4:33 pm
Forum: Personal Consumer Issues
Topic: Oregon coast summer
Replies: 28
Views: 3770

Re: Oregon coast summer

Thanks. Starting from Portland airport - renting a car.
by bi0hazard
Tue Jun 28, 2022 3:54 pm
Forum: Personal Consumer Issues
Topic: Oregon coast summer
Replies: 28
Views: 3770

Oregon coast summer

BHs:

I'm thinking about spending 7-9 days @ Oregon Coast with the family. I was going to do North Cali and Oregon, but that's probably too ambitious. Anyway looking for ideas. Not sure whether I should set up one HQ and explore from there for the week, or move around a few times. Goal would be to explore cool beaches, nature, lighthouses.

Also, would entertain doing N. Cali, start from Big Sur and then move north...

Theme: Cool weather, low human population.

thanks!
B=-
by bi0hazard
Tue Jun 28, 2022 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why you need a rainy day fund
Replies: 140
Views: 17525

Re: Why you need a rainy day fund

Vet bills, bigger vet bills, and even bigger vet bills (12k+ AND animals didn't make it).

Right there with you OP.

PS: I'm patiently waiting for one of my AC units to fail this summer, since that's what they do every year.
by bi0hazard
Sat Mar 26, 2022 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or wait - house in DFW
Replies: 6
Views: 1379

Re: Buy or wait - house in DFW

Unless there’s a recession coming up, housing in DFW is only going to keep going higher. This is one of the hottest markets, and there are a lot more Californians that haven’t come over yet :)
by bi0hazard
Tue Oct 12, 2021 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone negotiate a car lately? Any room as consumers?
Replies: 177
Views: 24767

Re: Anyone negotiate a car lately? Any room as consumers?

IMO: The reality is from now on car prices will around the MSRP. They will not go lower again. Why? Because car manufactures are flourishing , and the epidemic/"chip shortage" is a paradigm changing godsend for them. They will not start spewing out cars to the dealers even when they can. Dealers will become more of a "showroom experience", rather then "pick what you like from the lot experience". Seems unlikely to me. Once the chip shortage is over, it will only take one manufacturer to decide that having an inventory on their lot will attract more business. IMHO, the others will get left behind. Would you rather buy a Honda off the lot? Or wait 3 months for a Toyota, Subaru, Mazda, etc? Also a great point. I ...
by bi0hazard
Mon Oct 11, 2021 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone negotiate a car lately? Any room as consumers?
Replies: 177
Views: 24767

Re: Anyone negotiate a car lately? Any room as consumers?

IMO: The reality is from now on car prices will around the MSRP. They will not go lower again. Why? Because car manufactures are flourishing , and the epidemic/"chip shortage" is a paradigm changing godsend for them. They will not start spewing out cars to the dealers even when they can. Dealers will become more of a "showroom experience", rather then "pick what you like from the lot experience". This is a one-sided view. Consumers have been willing to change cars far more regularly than their personal circumstances would dictate because of plenty of supply, ever-present deals, and wide choices. If the supply spigot doesn't get turned back on and people are buying at sticker or sticker-plus, it will have a neg...
by bi0hazard
Mon Oct 11, 2021 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone negotiate a car lately? Any room as consumers?
Replies: 177
Views: 24767

Re: Anyone negotiate a car lately? Any room as consumers?

IMO: The reality is from now on car prices will around the MSRP. They will not go lower again. Why? Because car manufactures are flourishing , and the epidemic/"chip shortage" is a paradigm changing godsend for them. They will not start spewing out cars to the dealers even when they can. Dealers will become more of a "showroom experience", rather then "pick what you like from the lot experience".
by bi0hazard
Sun Sep 12, 2021 4:04 pm
Forum: Personal Consumer Issues
Topic: Ways to lower electricity costs?
Replies: 94
Views: 8407

Re: Ways to lower electricity costs?

OP: I have the answer. the KEY is insulation. Since you can’t do anything meaningful about wall insulation, you absolutely need to maximize your attic insulation. Go to attic, measure depth of insulation. Measure dimensions of at attic. Then go to Home Depot, rent insulation blower, and get insulation packets. Then blow as much as insulation as possible ( careful NOT to block soffit vents) into attic. That is going to be your best move. After, you need to make sure your roof has enough soffit vents and roof top vents. You must have airflow thorough the attic. This you cannot do your self , but it is required. I like whirlybird vents. Once all this is done you can think about radiant barrier in the roof, better windows. I didn’t do radiant b...
by bi0hazard
Wed Jul 28, 2021 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Alternative careers for physician? Tech?
Replies: 38
Views: 5614

Re: Alternative careers for physician? Tech?

OP : I hope this is not just "doom and gloom", b/c there's *always* doom and gloom in medicine. [OT comment removed by admin LadyGeek] Additionally, as far as I know, specialist reimbursements have only gone *down* over the past 10+ years (which may contribute to lowering income), although I don't know about ER. Actionably, I think the most obvious choice is changing specialty. Switching to psychiatry used to be popular when I was in the know, but not sure about it now ( and you may take a huge salary hit). If I was in your shoes, I'd start cold calling tech and pharma companies, and "network"; I believe that may be the best way to transition into a cush ( non-medicine) job. I could be completely wrong here, but it seems...
by bi0hazard
Sat Jul 24, 2021 1:57 pm
Forum: Personal Consumer Issues
Topic: Replacing an 'old' car - options?
Replies: 12
Views: 1231

Re: Replacing an 'old' car - options?

Only new. Slightly used cars are are similar price as new, particularly popular models. Old cars are money pits when it comes to repairs (if you maintain properly, which I assume lots of people do not) ... I wouldn't consider keeping an ancient toyota.
by bi0hazard
Fri Jul 23, 2021 10:28 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 91
Views: 11243

Re: any reason NOT to get my catalytic converter etched through my local police dept

First, I don’t think thieves and their buyers care about whatever you want to etch on your cat. converter. Second, converters are not brand specific for Saturn. So, if you are one of the very very very unlucky souls to have your converter stolen, they can weld in a new one pretty easy. The shape, size, metal content are all different, not just the make / model but even the generation of a car (like Prius 2nd gen vs 3rd gen). Also, once the cat is stolen the owner has to dish out 3000~4000 to get a new one installed. This whole ordeal isn't easy at all. The original cat doesn’t matter. It just doesn’t . Price for new is about a hundred bucks , plus welding/minor pipe fabrication fees , unless it’s a bolt on. Looked it up at AutoZone for my ...
by bi0hazard
Fri Jul 23, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 91
Views: 11243

Re: any reason NOT to get my catalytic converter etched through my local police dept

Marseille07 wrote: Fri Jul 23, 2021 5:55 pm
bi0hazard wrote: Fri Jul 23, 2021 5:38 pm First, I don’t think thieves and their buyers care about whatever you want to etch on your cat. converter. Second, converters are not brand specific for Saturn. So, if you are one of the very very very unlucky souls to have your converter stolen, they can weld in a new one pretty easy.
The shape, size, metal content are all different, not just the make / model but even the generation of a car (like Prius 2nd gen vs 3rd gen). Also, once the cat is stolen the owner has to dish out 3000~4000 to get a new one installed. This whole ordeal isn't easy at all.
The original cat doesn’t matter. It just doesn’t . Price for new is about a hundred bucks , plus welding/minor pipe fabrication fees , unless it’s a bolt on.
by bi0hazard
Fri Jul 23, 2021 5:38 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 91
Views: 11243

Re: any reason NOT to get my catalytic converter etched through my local police dept

First, I don’t think thieves and their buyers care about whatever you want to etch on your cat. converter. Second, converters are not brand specific for Saturn. So, if you are one of the very very very unlucky souls to have your converter stolen, they can weld in a new one pretty easy.
by bi0hazard
Wed Jul 21, 2021 12:29 pm
Forum: Personal Consumer Issues
Topic: Used Trucks
Replies: 11
Views: 1586

Re: Used Trucks

You should be good with a Tundra with about 100k miles. I found dozens with quick autotrader search in my area just now. Horrible gas milage and questionable safety/crash worthiness, but I believe they’re generally more reliable than other trucks.
by bi0hazard
Mon Jul 19, 2021 8:08 pm
Forum: Personal Consumer Issues
Topic: New Toyota Sequoia?
Replies: 42
Views: 5467

Re: New Toyota Sequoia?

TarHeel2002 wrote: Sat Jul 17, 2021 10:17 pm The tech just doesn’t do much for me really. I realize there are benefits to it safety etc. We have some friends who live in Austin, TX where many of their neighbors have Teslas (lots of tech)…and they were recently telling us it’s common place for stuff to just break or not work in these high tech vehicles. I’m sure things are likely to improve over time but for now a vehicle that starts every time with minimal maintenance issues seems so much more appealing vs high tech..just my opinion
Just to clarify, modern tech is *usually * not unreliable. However,
Tesla IS unreliable. I mean, Tesla bumpers have been known to fall off in the rain.
by bi0hazard
Sat Jul 17, 2021 9:46 pm
Forum: Personal Consumer Issues
Topic: New Toyota Sequoia?
Replies: 42
Views: 5467

Re: New Toyota Sequoia?

Hmm let’s see. 13 year old platform, that gets 13 mpg for $65k… sounds good to me :confused
by bi0hazard
Wed Jul 07, 2021 12:54 pm
Forum: Personal Consumer Issues
Topic: Multiple HVAC units: How many are you running?
Replies: 33
Views: 3568

Re: Multiple HVAC units: How many are you running?

There is probably no way someone can give you reasonable advice without seeing exactly what setup you have.

With that said, I have 3 separate AC units and routinely run different temps based on daily/seasonal/vacation needs. In 10 years haven't noticed disadvantages to having different temps in different areas of the houses, even with significant space overlapping.

The only thing I would be careful about is not running much hotter air downstairs and much colder air upstairs. I think that would make the upstairs unit run overtime, due to constant heat rising from below.

I am not an hvac expert, so these are just my opinions
by bi0hazard
Tue Jul 06, 2021 5:56 pm
Forum: Personal Consumer Issues
Topic: Transport a car
Replies: 14
Views: 1369

Re: Transport a car

If one of your cars has a hitch - tow it (uhaul).

Otherwise, https://www.uship.com/ship/vehicles/car ... cks/create
by bi0hazard
Mon Jul 05, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: day trip from Boston to Cape Cod
Replies: 20
Views: 1982

Re: day trip from Boston to Cape Cod

One time experience from few years ago, just a few thoughts

-Cape cod drive from Boston is not bad, but once you get closer, particularly the bridge and further in, it was a horrible bottle neck...basically the worst traffic jam I've seen to a tourist destination. I bet Waze app would be helpful for planning, prior to car trip departure.

- Personally, I found Provincetown quite unappealing, and got out of there pretty quickly. The rest was pretty cool. The beach was nice, but there was a serious issue with biting horse flies, and I'm not sure if that was just one time thing or not...
by bi0hazard
Sat Jul 03, 2021 4:14 pm
Forum: Personal Consumer Issues
Topic: Updated at end: New Question on Negotiating on a Honda Odyssey. (Replacing car after accident)
Replies: 36
Views: 4133

Re: replacing car after accident

Is there any resource for cross-class comparison? The Hyundai has some compact SUVs that are reasonable but not excellent safety rated (by excellent I mean subaru-level). I could get a late model one for 15-18K. Corrolla is obviously a great car. At the same time I know that bigger cars are more safe overall, so a reasonably-rated big car might not look like anything special but actually be safer than a higher-rated smaller sedan. Anyone know if it is possible, to compare *between* classes? I do kinda like the idea of waiting for 3 mos, using my bike a lot more and taking the opportunity to get in shape and add some to my sinking fund, then buying before it gets bitter cold. . . I am WFH until September and then only going in a few days a ...
by bi0hazard
Thu Jul 01, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 89
Views: 14023

Re: Which 7 seater SUV?

Chevy Tahoe is basically the quintessential large SUV. Give it a try - upper trim level, 4wd. It has (and had for some time now) all the features you're looking for.
by bi0hazard
Thu Jul 01, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: Choice of Auto Loans (60mo vs 72mo)
Replies: 30
Views: 2648

Re: Choice of Auto Loans (60mo vs 72mo)

No offense to the OP, but I always thought the 72 mo loan was designed for folks who absolutely cannot afford the vehicle they're buying. So, *I* would pay cash, but if I was forced to get a car loan, I'd go for the shortest possible one.
by bi0hazard
Fri Jun 25, 2021 12:31 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment upsell
Replies: 39
Views: 4335

Re: Wheel alignment upsell

tibbitts wrote: Thu Jun 24, 2021 10:48 pm I would worry that a vehicle not exhibiting uneven tire wear would be worse off after an alignment. Obviously someone is going to say not if it's done on properly calibrated equipment by an expert... but that's like saying it can be beneficial to have a "good" financial adviser. You can look at reviews but how many consumers are qualified to comment on the accuracy of their alignments?
Not completely sure what this comment means, but will try to address. Alignment is done with laser guidance (accurate to 0.04cm). You get a printout before and after service. Shop would have to flat out forge a paper document to fool you into accurate alignment. If the alignment is off after service you will know it.
by bi0hazard
Thu Jun 24, 2021 7:38 pm
Forum: Personal Consumer Issues
Topic: Antivirus software for the whole family
Replies: 31
Views: 2806

Re: Antivirus software for the whole family

I use Norton with LifeLock. Comes with 5 licenses for family and vpn. Pretty happy with it.
by bi0hazard
Thu Jun 24, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: Heat Pump Purchase
Replies: 39
Views: 4477

Re: Heat Pump Purchase

Some thoughts, running 3 hvac units:

- anecdotally Lennox is low quality and Carrier is great. I have both.

- I go for lower grade units since I usually can’t justify increased price by energy cost saving . But then again, I’m “frugal”.

- It is very important to have a good warranty on the product and company that is large enough to service 24/7 without hassle if needed. Larger hvac companies warranty parts longer than manufacturer warranty. So, IMO it is better to pay extra to have a well established hvac company do this job, rather than a single man operation.
by bi0hazard
Thu Jun 24, 2021 12:54 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment upsell
Replies: 39
Views: 4335

Re: Wheel alignment upsell

Couple of additional thoughts, and I'm no expert: -Bad roads are all over the country, south, west, north, east. -Need for alignment is independent of manufacturer. Yes, even Toyotas sometimes need alignment :wink: -Mileage by itself is not always a great indicator for alignment need. You may need an alignment the day after alignment if unlucky (ask me how i know). Some cars are not perfectly alignment out of factory, ie my new 2010 Pilot -Never have a dealer do alignment, they always want to do it, and prices are insane. :moneybag . Some intendent shops have deals for free alignment check (may need a coupon from discount tire for example)...if it's off , it's off. My discount tire has a coupon for a great alignment shop - $39. Even at full...
by bi0hazard
Mon Jun 21, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: August vacation suggestions?
Replies: 11
Views: 2170

Re: August vacation suggestions?

We usually do Colorado mountains (drive from TX) for cool summer weather, but this is not a good option for motion sickness.

You could do west coast (ON the coast, as inland CA is as hot as TX). For example few years ago we drove from LA to SD and back. Beaches and Disney land. Or you can check out SF and surroundings.

Not sure where you went in PNW, but Olympic NP and Rainier are good summer options.
by bi0hazard
Sun Jun 20, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vaccine mandate for continued employment
Replies: 70
Views: 4723

Re: Vaccine mandate for continued employment

Nothing really new here. Hospitals where I work have required flu vaccine for years. If you don't get, you're out, whether you're hospital employed or not.
by bi0hazard
Fri Jun 18, 2021 8:38 pm
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 127
Views: 18040

Re: Ideas to get 5-6%

ryanbohle wrote: Fri Jun 18, 2021 8:30 pm
bi0hazard wrote: Fri Jun 18, 2021 8:26 pm Yes, this is possible through real estate debt lending. Through platform I’m using since 2018, so about 3 years, my annual return is 7.0%, and cumulative return is 19.5%. HOWEVER, I’ve done 45 deals and currently have 10 deals going, and the PROBLEM is late payments and currently 1 default. So, it’s risky…

What do you think about:

https://dlpcapitalpartners.com/dlp-lending-fund/
I don’t want to recommend anything specific. There are multiple platforms for real estate debt investing, so do your research. Return is good, but there are so many deadbeats out there, that I never felt confident investing a large chunk of money.
by bi0hazard
Fri Jun 18, 2021 8:26 pm
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 127
Views: 18040

Re: Ideas to get 5-6%

Yes, this is possible through real estate debt lending. Through platform I’m using since 2018, so about 3 years, my annual return is 7.0%, and cumulative return is 19.5%. HOWEVER, I’ve done 45 deals and currently have 10 deals going, and the PROBLEM is late payments and currently 1 default. So, it’s risky…
by bi0hazard
Fri Jun 18, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 100
Views: 10605

Re: How long should a car last?

I agree with a prior post - cars last as long as you want them to. Meaning, as long as you are willing to pay for new parts/maintenance (this goes for every single brand), the car will go. I could be wrong, but I believe that toyota/honda owners are more willing to extend this upkeep period? based on expectation/advertising/perception of car immortality, though we will never know. For me, there are three factors for trade-in: (1) I get bored of a vehicle , (2) I get tired of paying for repairs/upkeep, (3) the vehicle is not safe for some reason. Disclosure: I owned 3 Hondas before quality tanked to current levels, and they were trouble free for most part, but eventually transmission/HVAC/suspension/brake/timing belt/etc maintenance catches ...
by bi0hazard
Thu Jun 17, 2021 9:47 pm
Forum: Personal Consumer Issues
Topic: Mattress Shopping - What a joke
Replies: 25
Views: 4214

Re: Mattress Shopping - What a joke

OP, you're right. Totally bogus. I bought a $3500 online mattress b/c reviews were stellar. It was horrible, couldn't get used it...literally worse than my couch . Thankfully they took it back. My advice, do not buy online; try it out in a local mattress store. As far as prices, I don't know where they come up with it. I tried one of those reclining mattresses at Texas state fair in '19, and the salesman gave me a $17k quote, no joke.
by bi0hazard
Wed Jun 16, 2021 2:13 pm
Forum: Personal Consumer Issues
Topic: Tire flat fixing for beginners
Replies: 160
Views: 12338

Re: Tire flat fixing for beginners

There is absolutely no way I would ask/expect my daughter or wife to change a car tire. Unless one lives in remote part of the country, the reasonable answer is call for help. Possibly my wife or daughter would stop by and change it for them. Sweet! I just need their cell phone number(s), particularly when the flat is by the side of the interstate. You got some tough family members. Good on you. There is absolutely no way I would ask/expect my daughter or wife to change a car tire. Unless one lives in remote part of the country, the reasonable answer is call for help. I don't know that there's anything about changing a tire that justifies automatically discriminating based on sex. Wisdom. Her Tahoe weighs 5700 lbs, and each of the 6 lug nu...
by bi0hazard
Tue Jun 15, 2021 9:21 am
Forum: Personal Consumer Issues
Topic: Tire flat fixing for beginners
Replies: 160
Views: 12338

Re: Tire flat fixing for beginners

There is absolutely no way I would ask/expect my daughter or wife to change a car tire. Unless one lives in remote part of the country, the reasonable answer is call for help. Possibly my wife or daughter would stop by and change it for them. Sweet! I just need their cell phone number(s), particularly when the flat is by the side of the interstate. You got some tough family members. Good on you. There is absolutely no way I would ask/expect my daughter or wife to change a car tire. Unless one lives in remote part of the country, the reasonable answer is call for help. I don't know that there's anything about changing a tire that justifies automatically discriminating based on sex. Wisdom. Her Tahoe weighs 5700 lbs, and each of the 6 lug nu...
by bi0hazard
Mon Jun 14, 2021 9:39 pm
Forum: Personal Consumer Issues
Topic: Tire flat fixing for beginners
Replies: 160
Views: 12338

Re: Tire flat fixing for beginners

There is absolutely no way I would ask/expect my daughter or wife to change a car tire. Unless one lives in remote part of the country, the reasonable answer is call for help.
by bi0hazard
Sun Jun 13, 2021 8:55 am
Forum: Personal Consumer Issues
Topic: iPhone Music Problem
Replies: 2
Views: 354

Re: iPhone Music Problem

Disable Shake to Shuffle on iPhone
by bi0hazard
Sun Jun 06, 2021 12:32 am
Forum: Personal Consumer Issues
Topic: Ethernet vs. Wi-fi
Replies: 15
Views: 1728

Re: Ethernet vs. Wi-fi

I'm not totally sure what an internet radio is (I stream music through iphone/pandora via Bluetooth speaker), but wifi is absolutely sufficient . I'm running 4-5 laptops, 4 iphones and streaming 3 4K netlfix/cable TVs with wifi (fiberoptic router internet connection).
by bi0hazard
Sat May 29, 2021 10:24 pm
Forum: Personal Consumer Issues
Topic: Michelin Tire Sale
Replies: 28
Views: 4056

Re: Michelin Tire Sale

Trader Joe wrote: Sat May 29, 2021 10:09 pm
bi0hazard wrote: Sat May 29, 2021 4:35 pm I know good tires are a frequent BH forum topic. Discount tire has a pretty good sale for Michelin until Monday 5/31, $170 off right now, so I thought I'd pass this along, and actually contribute to the forum. I just got a fresh quartet of Defenders, even though I'm not quite ready.

https://www.discounttire.com/promotions/michelin-tires

:sharebeer
Have you purchased Michelin tires from Discount Tires in the past? If so, what was your experience.
Yes. I purchase most my tires from my local discount tire. They’re just fine. I can’t vouch for other branches.

I also use tirerack.
by bi0hazard
Sat May 29, 2021 4:35 pm
Forum: Personal Consumer Issues
Topic: Michelin Tire Sale
Replies: 28
Views: 4056

Michelin Tire Sale

I know good tires are a frequent BH forum topic. Discount tire has a pretty good sale for Michelin until Monday 5/31, $170 off right now, so I thought I'd pass this along, and actually contribute to the forum. I just got a fresh quartet of Defenders, even though I'm not quite ready.

https://www.discounttire.com/promotions/michelin-tires

:sharebeer
by bi0hazard
Tue May 25, 2021 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Opportunity - should I take it?
Replies: 23
Views: 4633

Re: Opportunity - should I take it?

I’d go for 3X income. If you don’t like it, go back to hospital employed.
by bi0hazard
Fri May 21, 2021 3:15 am
Forum: Personal Consumer Issues
Topic: Ford Lightning EV
Replies: 308
Views: 31140

Re: Ford Lightning EV

Paid deposit for reservation the night it was unveiled. :sharebeer
by bi0hazard
Mon May 17, 2021 4:42 pm
Forum: Investing - Theory, News & General
Topic: Anyone using compound for savings 7.62% for US dollar coin [Crypto]
Replies: 33
Views: 4231

Re: Anyone using compound for savings 7.62% for US dollar coin [Crypto]

AerialWombat wrote: Mon May 17, 2021 3:24 pm
HomerJ wrote: Mon May 17, 2021 2:54 pm But you are always 100% wrong when you infer that these investments are low-risk, even comparable to FDIC-insured savings accounts.

You don't move your safe money into these investments. You move your single-stock play money into these investments. The 7.62% should be compared to leveraged stocks, not a savings account.
+1

There is a fundamental misunderstanding of “risk” in the crypto world.

I really don’t understand this recent influx of crypto speculators to this forum.

What's not to understand :twisted: ? If volatile crypto"currency" is fundamentally a (thinly veiled ) pyramid scheme, then the scheme needs more "investors". What better forum than BH to turn up the fomo? :beer
by bi0hazard
Thu May 13, 2021 1:48 am
Forum: Investing - Theory, News & General
Topic: When would you buy cryptocurrency?
Replies: 199
Views: 18387

Re: When would you buy cryptocurrency?

1. If/when “crypto” stops being a pyramid scheme and starts acting like a usable currency. Don’t see this happening anytime soon.

2. If/when fomo overrides my better judgment, which I presume is the case for vast majority of so called “investors”.
by bi0hazard
Tue Apr 13, 2021 4:37 pm
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 77
Views: 8083

Re: 10+ year old used cars?

New 2021 Chevy Spark under $17k. New car warranty, backup camera, functional airbags, 30/38 mpg. Chevy quality is good. Skip the 10 year/100k mile POS. :beer
by bi0hazard
Sun Apr 11, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 8137

Re: Best 4 wheel drive vehicle

There’s no right answer and there are tons of 4WDs out there. Wrangler is the undisputed King of off-road. With that said, for sand you can get a variety of choices that suit your needs and budget.

If you buy new, something that’s intriguing me lately is the Ford Ranger. It has different off-road drivetrain settings with sophisticated algorithms, and locking rear diff. There’s the new Ranger Tremor with pretty cool suspension stuff. Price is very competitive!

I’ve driven my Tahoe in really technical sand off-road (not on purpose) and it does very well, but driving an expensive suv off road is not ideal IMO.