Search found 346 matches

by zlandar
Wed Jun 23, 2021 11:29 pm
Forum: Personal Consumer Issues
Topic: Car GPS Screen size
Replies: 24
Views: 1490

Re: Car GPS Screen size

The advantage Waze has over the other apps is that it has an active user base constantly marking road issues. When I get an alert "object on road ahead" I pay extra attention. It's help me avoid driving over road debris/junk.
by zlandar
Mon Jun 21, 2021 11:28 am
Forum: Personal Consumer Issues
Topic: Dash Cams
Replies: 23
Views: 1983

Re: Dash Cams

I have a Blackvue 750 and Viofo a129 for my cars. The Blackvue is more expensive but is easier to use IMO. Also bought a device that connects the camera to the car fuse so it turns on/off and has the ability to stay turned on after the ignition is off (parking mode). I bought the versions with rear ...
by zlandar
Sun Jun 20, 2021 12:02 pm
Forum: Personal Investments
Topic: Investment advisor question
Replies: 10
Views: 1059

Re: Investment advisor question

You are right, I don’t know high inflation is coming. I can only act based upon my experience and research. I experienced the hyper-inflation of the late 1970s and the Great Depression of 2009 thru 2013. It appears to me that we are heading towards something similar. My advisor concurs. I am trying...
by zlandar
Sat Jun 19, 2021 10:48 am
Forum: Personal Investments
Topic: How do you TLH(tax loss harvest) in reality?
Replies: 30
Views: 2063

Re: How do you TLH(tax loss harvest) in reality?

I don't understand why you could not sell SCHB you purchased in June. You don't have to wait 30 days after a purchase to sell a fund and harvest the loss. See example #1:

https://www.whitecoatinvestor.com/9-rea ... s-harvest/
by zlandar
Sat Jun 19, 2021 10:41 am
Forum: Personal Consumer Issues
Topic: Florida State University
Replies: 87
Views: 6414

Re: Florida State University

$7k/year for better weather, city, and a gym. I don't comprehend the "admin" part. Why does a college student care about the "admin" of a university? I could see switching to a different university if the current one doesn't offer the degree/experience you need for your future ca...
by zlandar
Sat Jun 19, 2021 8:36 am
Forum: Personal Investments
Topic: Too much cash- Prudential FlexGuard Indexed Variable Annuity as an option?
Replies: 24
Views: 1803

Re: Too much cash- Prudential FlexGuard Indexed Variable Annuity as an option?

Why do people keep looking for a magical product that produces a stock-like return with the risk of bonds? Here is a quote from a financial presentation I was pitched: "Our investment process is strategic, yet tactical with a focus on downside risk and a goal of helping clients grow but protect...
by zlandar
Thu Jun 10, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: microwave - ? - built in
Replies: 18
Views: 1157

Re: microwave - ? - built in

My microwave is built in over the oven. I have no idea if both oven and microwave use same vent. Our built in microwave over the oven is a GE Profile series unit and has worked flawlessly thus far. Neither it nor the oven has a vent. Ditto. Mine is original to the house and it's 15+ years old. The ...
by zlandar
Thu Jun 10, 2021 8:08 am
Forum: Personal Consumer Issues
Topic: What exactly is the selling point of "pre-paid" cellular/mobile plans?
Replies: 117
Views: 9024

Re: What exactly is the selling point of "pre-paid" cellular/mobile plans?

I got tired of being chained to a cellular company for 2+ years if they "bought" me a new phone. The prepaid plans are significantly cheaper because it's not filled with captive consumers. If I see a better offer from a competing provider I can leave whenever I want.
by zlandar
Sun Jun 06, 2021 9:34 am
Forum: Personal Consumer Issues
Topic: Dryer Vent Question
Replies: 30
Views: 2689

Re: Dryer Vent Question

That vent sounds like a PITA to clean. Even if you religiously clean the lint filter in the dryer you will eventually get build-up of lint in the exhaust tube. My dryer is next to an exterior wall on the ground floor and the exhaust tube is only 2 foot long running horizontally out of the wall. I cl...
by zlandar
Wed Jun 02, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Michelin Tire Sale
Replies: 28
Views: 3193

Re: 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.dis...
by zlandar
Tue Jun 01, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Do Thieves Still Go Thru Trash To Steal ID?
Replies: 41
Views: 3782

Re: Do Thieves Still Go Thru Trash To Steal ID?

12 paper shredder is $60 on Amazon.

I bought the more expensive Amazonbasics version with pullout drawer for less than $90 back in 2017. Still going strong.

I consider it cheap insurance.
by zlandar
Wed May 26, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: My Honda Didn't Last
Replies: 110
Views: 12500

Re: My Honda Didn't Last

...as long as many on the forum claim every Honda does this specific 100,000 mile example aside, there's a phenomenon where brand reputations linger far longer in consumer conscience than reflective of reality. the reality being that ownership changes, management changes, operating philosophy chang...
by zlandar
Sat May 22, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Honda CRV Touring/EX-L
Replies: 39
Views: 3700

Re: Acura RDX vs Honda CRV Touring/EX-L

I have a 2016 Acura RDX advanced (last gen) and have not had a major repair yet. Get all the recommended maintenance in the manual done at the local Honda dealer for less. I use regular unleaded (top tier) without issue. The infotainment sucks but it's different in the newer RDX. I just use my iPhon...
by zlandar
Fri May 21, 2021 7:10 am
Forum: Personal Consumer Issues
Topic: My Honda Didn't Last
Replies: 110
Views: 12500

Re: My Honda Didn't Last

I had a 2007 Odyssey I sold 2 years ago for $5k to a dealer. It was at 100k miles. Guy was trying to lowball me at $2k "those tires are bald!" until I pulled out my $5k offer from Carmax. I had the side door issue. There is a small gear unit that opens/closes the side door which wears out ...
by zlandar
Thu May 20, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Appliance lesson learned
Replies: 31
Views: 3451

Re: Appliance lesson learned

YT has been my guide for a lot of DIY repair. I can decide whether it's worth DIY, calling the repairman, or just replacing the broken appliance.
by zlandar
Thu May 20, 2021 7:43 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 93
Views: 8058

Re: Honda CRV or Suburu Forrester or other SUV

My 2016 Acura RDX has been very reliable and is comfortable. I get it serviced at a Honda dealership.
by zlandar
Sat May 08, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 58
Views: 3011

Re: Recommendation for Leaf Blower

Need to specify what your use is for. Any decent blower can blow leaves off a dry driveway. If you want enough power to do it in grass/semi wet conditions then you need a gas,corded, or very powerful battery blower. If you are buying a battery blower try to buy one that uses the same batteries as yo...
by zlandar
Sat Apr 24, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Buying and Installing a Safe?
Replies: 45
Views: 3654

Re: Buying and Installing a Safe?

I bought a safe and regret it. They are extremely heavy and I use it only to store documents. You can scan all your important documents to the cloud. Don't leave things of high value in your house. No bars of gold sitting in my home. I'm way more worried someone breaking into my home when I'm there ...
by zlandar
Sat Apr 10, 2021 12:07 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 3146

Re: walking shoes with wide toes?

I wear New Balance running shoes. Kohl's carries NB in-store with varying wide sizes. Try the ones they have regardless of the color/style until you find one that is comfortable. You can check if they have a specific style/color on the self-serve electronic kiosk in the shoe dept. If it's not in sto...
by zlandar
Fri Apr 02, 2021 6:53 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 137
Views: 13912

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

Krups used to sell a Moka brewer:

https://www.krupsusa.com/faq/BREAKFAST- ... 8000035468

Makes strong tasting coffee and it's very hot. Unfortunately they stopped selling them a couple years ago.
by zlandar
Wed Mar 31, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 4014

Re: exipred / obsolete propane jugs

Out-of-date tanks can be exchanged for new tanks. I've done it myself with no questions asked. But the only time I do an exchange is if a tank is out-of-date; otherwise, I have the tank refilled (see below). Yes Blue Rhino fills to 15lbs. I can get my tanks filled for $10 at my local Ace Hardware; ...
by zlandar
Sun Mar 28, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 4014

Re: exipred / obsolete propane jugs

Out-of-date tanks can be exchanged for new tanks. I've done it myself with no questions asked. But the only time I do an exchange is if a tank is out-of-date; otherwise, I have the tank refilled (see below). Yes Blue Rhino fills to 15lbs. I can get my tanks filled for $10 at my local Ace Hardware; ...
by zlandar
Fri Mar 26, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 6018

Re: TV size question

I think I've decided on the Sony X900H: https://www.amazon.com/dp/B084KTQBQT/ref=twister_B0854TYLZB?_encoding=UTF8&psc=1 or possibly the Samsung Q70T: https://www.amazon.com/gp/product/B0849QPL5B?tag=rtings-tv-p-20&ie=UTF8 I've always like Samsungs, but rtings likes the sony a lot more than...
by zlandar
Fri Mar 26, 2021 9:30 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 6018

Re: TV size question

I think I've decided on the Sony X900H: https://www.amazon.com/dp/B084KTQBQT/ref=twister_B0854TYLZB?_encoding=UTF8&psc=1 or possibly the Samsung Q70T: https://www.amazon.com/gp/product/B0849QPL5B?tag=rtings-tv-p-20&ie=UTF8 I've always like Samsungs, but rtings likes the sony a lot more than...
by zlandar
Fri Mar 26, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 6018

Re: TV size question

Have a 77" oled 8' away from the couch. I don't think it's too big.

Depending on the TV and content 720p/1080p can be upscaled so it doesn't look as blurry. Some of the higher-end standalone streaming devices like Nvidia Shield (2019 version) can also upscale content.
by zlandar
Mon Feb 08, 2021 2:34 pm
Forum: Personal Consumer Issues
Topic: Replacing old Washer & Dryer
Replies: 23
Views: 1670

Re: Replacing old Washer & Dryer

Bought a LG washer/dryer pair a month ago after my Whirlpool dryer died. LG wahers/dryers supposedly have the best reliability when I googled. I was initially going to buy it from Costco but they didn't have any units in stock and I would have to wait a month. I ended up buying a very similar LG was...
by zlandar
Sat Jan 23, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: Town A vs Town B
Replies: 75
Views: 5296

Re: Town A vs Town B

The example you set for your kids matters more IMO. There are kids that are successful from both types of backgrounds.
by zlandar
Sun Jan 17, 2021 2:40 am
Forum: Personal Consumer Issues
Topic: Best leaf vacuum?
Replies: 10
Views: 797

Re: Best leaf vacuum?

I have a similar Toro electric model for 10+ years. I only use it to suck up leaves now. Keeps an area leaf-free a lot better than blowing.
by zlandar
Sun Jan 17, 2021 2:35 am
Forum: Personal Consumer Issues
Topic: Real reviews of Gas Hot water heaters
Replies: 31
Views: 2371

Re: Real reviews of Gas Hot water heaters

I have a 80 gallon Rheem water heater which replaced a 60 gallon Rheem that was 15 years old. No issues with either one. I preemptively replaced the old water heater based on age. I have looked at replacing the anode rod and it does not seem easy to me. Only maintenance I do is partially drain the t...
by zlandar
Mon Jan 11, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 26394

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

Yes. Honda self-propelled gas mower on a 3/4 acre lot. Good exercise IMO.

I hire a lawn service to fertilize and lay down preemergent. I'll spot treat the lawn as needed.
by zlandar
Fri Dec 18, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: How overvalued is this market right now?
Replies: 90
Views: 7474

Re: How overvalued is this market right now?

Every time I put in a large sum of money into the market it feels like I put it in at the wrong time. There are posts from people who cashed out years ago because the market was "overvalued". It's tough to jump back in when you guess wrong and the market continues to climb for years. Even ...
by zlandar
Fri Dec 18, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3127

Re: Color laser printer - worth it for intermittent light use?

I replaced my old Canon B&W laser with a new Canon color laser and it's worth the extra cost IMO. The color laser routinely go on sale in the low $200's but the toner is very expensive at $80-90 for each toner cartridge. You need 4 toners- black, cyan, magenta, and yellow and the included starte...
by zlandar
Sun Nov 15, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Mold and/or septic inspection on home purchase (UPDATE: CESSPOOL)
Replies: 28
Views: 2125

Re: Mold and/or septic inspection on home purchase

Septic tanks rarely fail. More often it is the leach field or sand mound that goes bad. And only an experienced professional will be able to correctly test for this. I would never buy a home with a septic system without first getting a septic inspection. House I'm currently living in has a septic s...
by zlandar
Sun Nov 15, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 34
Views: 3182

Re: playstation 5

I have been unsuccessful at every attempt. Target, wal mart, etc all a no go. I have tried at all of the drops. I came so close yesterday at the playstation drop, had it in my cart and my cc was declined as they were afraid it was fraud, by the time I clicked on the text to authorize it the ps5 was...
by zlandar
Mon Nov 09, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: So much for Schwab's user experience over Vanguard
Replies: 27
Views: 2620

Re: So much for Schwab's user experience over Vanguard

VG website was very slow/laggy and giving me errors earlier this AM. Now it seems back to normal. Trying to donate some ETFs in my VG account and need to chat quickly with a VG CSR. I'm using specID for my lots and there is no option to pick the lots after I filled out the requested info on the webs...
by zlandar
Sat Oct 17, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Costco Appliances
Replies: 21
Views: 3052

Re: Costco Appliances

Bought two fridges and a washer/dryer from Costco. No complaints. I like ordering from them because if I have an issue it's Costco.
by zlandar
Sat Oct 17, 2020 11:03 am
Forum: Personal Investments
Topic: new physician out of residency portfolio build
Replies: 28
Views: 2791

Re: new physician out of residency portfolio build

I wouldn't consider tax-exempt bonds until your mortgage is take care of. Doubt you are going to beat a guaranteed 3.25% after tax return aka your mortgage with bonds unless interest rates climb significantly higher. Going 90% (or even 100%) equities while aggressively paying down your mortgage is ...
by zlandar
Sat Oct 17, 2020 8:21 am
Forum: Personal Investments
Topic: new physician out of residency portfolio build
Replies: 28
Views: 2791

Re: new physician out of residency portfolio build

I wouldn't consider tax-exempt bonds until your mortgage is take care of. Doubt you are going to beat a guaranteed 3.25% after tax return aka your mortgage with bonds unless interest rates climb significantly higher. Going 90% (or even 100%) equities while aggressively paying down your mortgage is n...
by zlandar
Sun Oct 11, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Third row SUV seating considerations
Replies: 32
Views: 2456

Re: Third row SUV seating considerations

Minivans with dual-sliding panel doors > SUV. Much easier to access to 2nd/3rd rows. No worry about kids damaging your own or another vehicle when opening the door or hurting themselves or someone else closing a door.
by zlandar
Sat Oct 03, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3675

Re: Help with YouTube TV buffering issue

You could hard-wire your ATV to your router. I assume your router is next to your modem. If your ATV is next to a working cable outlet you can buy a pair of MOCA adapters like this: https://smile.amazon.com/MOTOROLA-Adapter-Ethernet-Bonded-MM1000/dp/B077Y3SQXR/ref=sr_1_5?crid=3EU666L0AXK8T&dchil...
by zlandar
Fri Oct 02, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Motion Detector Lights:
Replies: 20
Views: 1657

Re: Motion Detector Lights:

Motion detector lights are annoying to you and your neighbors IMO. Do you really want an outdoor light going on and off at shadows/bug/etc? You can buy a light switch that you can control/schedule by Wi-Fi/z-wave. Honeywell makes standalone switches with a built in clock you can buy on Amazon. I hav...
by zlandar
Fri Oct 02, 2020 12:06 pm
Forum: Personal Investments
Topic: 529 vs Taxable Account
Replies: 49
Views: 4116

Re: 529 vs Taxable Account

I have made it a point to save for my kid's college so they don't start their professional life with significant student loan debt like my wife and I were. I get nervous funding a 529 because I lose all control of the money. Has anyone every decided to use a taxable account to invest for college? I...
by zlandar
Fri Oct 02, 2020 10:13 am
Forum: Personal Investments
Topic: 529 vs Taxable Account
Replies: 49
Views: 4116

Re: 529 vs Taxable Account

I have made it a point to save for my kid's college so they don't start their professional life with significant student loan debt like my wife and I were. I get nervous funding a 529 because I lose all control of the money. Has anyone every decided to use a taxable account to invest for college? I...
by zlandar
Wed Sep 30, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 64
Views: 4008

Re: I need a Ladder—What type to get?

The multi-position ladders aka Little Giant are significantly heavier than an aluminum ladder. I have a 22' one and I only bring it out when I have to. I use my 6' aluminum ladder way more because it's much lighter.
by zlandar
Sun Sep 27, 2020 7:31 am
Forum: Personal Investments
Topic: new physician looking for investment advice?
Replies: 21
Views: 2256

Re: new physician looking for investment advice?

For 2-6 are the ETFs and mutual funds all in the same brokerage account? If so I would not sell them if you would have to pay capital gains. If there is a future market drop that would allow you to sell any of those funds/ETFs without capital gains or loss then do so and buy into VTI. You can balanc...
by zlandar
Thu Sep 24, 2020 11:12 am
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 8433

Re: VXUS - Why? [Vanguard Total International Stock ETF]

If you don't agree with the investment plan then come up with your own plan. It needs to be a plan you stick to though because otherwise you are just chasing performance. Bogle didn't have any international funds. One of his major points is that many large US corporations have half their revenue out...
by zlandar
Thu Sep 24, 2020 10:02 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 2127

Re: When did VTI add in Tesla?

maybe you're thinking because they didn't make it into the S&P500 then how could they be in the total market? (https://www.google.com/search?client=firefox-b-1-d&q=tesla+to+be+added+to+s%26p) because the total includes small and mid cap as well. you don't have to worry about whether a compa...
by zlandar
Thu Sep 24, 2020 9:36 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 2127

When did VTI add in Tesla?

I was looking up the top portfolio holdings for VTI and noticed Tesla is #8:

https://investor.vanguard.com/etf/profile/portfolio/vti

Just curious when VTI added Tesla given the massive run-up and stock-split this year. The information isn't going to change anything I do.
by zlandar
Thu Sep 17, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3583

Re: HVAC Service Contracts & Annual Service

I hire an HVAC company to do maintenance every other year. I change out air filters every 3 months myself.
by zlandar
Wed Sep 09, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on a NAS for backup and media server duties
Replies: 7
Views: 615

Re: Looking for advice on a NAS for backup and media server duties

If you want to keep using the Acer laptop you could buy a 4-5 bay enclosure with a USB-C connection. Your Acer laptop has a gen 1 USB-C connection. It's not the most elegant solution but you are not downgrading from an i5 to a Celeron. I use a program called Drivepool that organizes multiple hard dr...