Search found 361 matches

by hunoraut
Wed Apr 14, 2021 3:57 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 172
Views: 17383

Re: Did you move for better weather? Did you regret it?

Colorado weather was utopia to me. 4 seasons. Can still get beautiful, warm, sunny days, interspersed amongst the snow. I left hot and humid climate multiple times and never regretted it. Ill do everything I can to never have to live in the muggy tropic-type climates again
by hunoraut
Fri Apr 09, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1797

Re: Arline Miles - how to use?

the golden era of miles accumulation and spending was about 10 years ago. there seems to have been an across-the-board devaluation of miles and rewards from that point forward. the absolute best value are redemption for long-haul premium cabins. i like to spend them on family e.g. parents who arent ...
by hunoraut
Wed Apr 07, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3296

Re: Should I buy a SLR camera without a built in flash?

This thread has gotten completely derailed. As far as we know the OP has an upper-mid-range 14-year old dslr with a built-in flash, 12mp crop sensor and a kit lens. The OP is considering upgrading to what today is roughly the equivalent camera. The D300 was more or less the D850 of its day, despite...
by hunoraut
Wed Apr 07, 2021 8:53 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3296

Re: Should I buy a SLR camera without a built in flash?

The larger issue I think is that today's pro-based-on-features camera is tomorrow's amateur camera and next year's doorstop, so "pro" is really a point-in-time measure. That's somewhat true at this point for lenses as well. Great post. The funny thing is, nobody in here is a pro photograp...
by hunoraut
Tue Mar 30, 2021 2:58 am
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10657

Re: Curious about negative expat experiences -- why don't more people do it?

I'm potentially interested in taking an expat assignment that would begin between 1-3 years from now, if I'm lucky enough to be selected . The area I'm targeting is in Southeast Asia. ... This puzzles me, because 99% of people (even white collar professionals) don't take an expat gig, so if it's so...
by hunoraut
Fri Mar 26, 2021 3:37 am
Forum: Personal Consumer Issues
Topic: Laptop portable power bank
Replies: 20
Views: 1350

Re: Laptop portable power bank

Bogleheads Do folks have any recommendations for a long-lasting power/battery bank for a Dell laptop? I may be in a remote area with no power for several days, but still desiring to use my laptop a fair amount. So my key criteria is long-life. Appreciate any experiences and product recommendations ...
by hunoraut
Mon Mar 15, 2021 4:08 am
Forum: Personal Consumer Issues
Topic: Electric shaver
Replies: 33
Views: 2391

Re: Electric shaver

Had many brauns and panasonic and many remingtons.

Consistently the Remingtons have better battery performance and shaving efficiency.

I like the horizontal bar shavers - find the tri-circular setup cumbersome to navigate and get tight shave
by hunoraut
Mon Mar 08, 2021 11:45 am
Forum: Personal Consumer Issues
Topic: Will an e-hybrid car work without a charger?
Replies: 30
Views: 2200

Re: Will an e-hybrid car work without a charger?

I live in an older condo with only 1 charging station for 150 units. I have considered buying an e-hybrid but am wondering if the battery will charge without ever plugging into a charging station. Is a gasoline engine up to the task of charging the battery 100% of the time? Any thoughts or insights...
by hunoraut
Mon Mar 08, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: Hyundai Kona EV experiences and lease opinions?
Replies: 12
Views: 1588

Re: Hyundai Kona EV experiences and lease opinions?

~$210/mo for use of a new car with modern feature and safety seems and minimally running-cost seems like a no-brainer deal. if it is within your mileage allowance.
by hunoraut
Mon Mar 08, 2021 6:47 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5361

Re: Leather vs Cloth Car Seats

personally indifferent to the material choice. i care about seat function (supportiveness) and appearance those are more strongly driven by shaping and color than by material. i.e., prefer a bucket-style seat in nice patterned cloth than "bench" style seats covered in leather. makes no dif...
by hunoraut
Fri Mar 05, 2021 4:35 pm
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4682

Re: 2021 Sunglasses Thread 😎

Not sure I agree - sure the basic feature set (UV protection, sufficient clarity, light reduction, polarization) is absolutely commoditized and can be had at dollar store prices or not much more. I also agree that there are a lot of brands at the middle tier and premium tier whose only vale add is ...
by hunoraut
Fri Mar 05, 2021 4:41 am
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4682

Re: 2021 Sunglasses Thread 😎

As I just finished driving directly into the 5:30pm Florida sun, I’m ordering new sunglasses TONIGHT. It’s my first time driving at this time given I’ve been working from home. I literally could barely see anything and my eyes hurt/seeing spots 🤦🏻‍♂️ I have a pair of $10-15 sunglasses from ZeroUV w...
by hunoraut
Wed Mar 03, 2021 11:40 am
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12799

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

I think the appeal is that if you've been out all day doing things and you come back to the hotel around 4 pm or so, how much do you really want to go back out? At least that's the appeal for me. It's convenient to be able to simply walk to the hotel restaurant and be able to leave and go back to t...
by hunoraut
Wed Mar 03, 2021 9:11 am
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12799

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

My personal view on lodging is that I want a clean, safe environment to sleep at that also provides a good launching point for our daily vacation activities. A free breakfast is a plus as it saves time, can't recall a time ever eating lunch or dinner at a hotel during vacation. Most times, we don't...
by hunoraut
Tue Mar 02, 2021 6:34 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6453

Re: How much do you pay your tax professional?

~$500 US

~$2000 for abroad - though someone else foots the bill
by hunoraut
Mon Mar 01, 2021 2:42 pm
Forum: Personal Consumer Issues
Topic: Questions about cellphones used internationally
Replies: 23
Views: 1144

Re: Questions about cellphones used internationally

I used to travel quite a lot internationally prior to COVID. When I was planning to be in a country for some time, I would simply buy a local SIM and have it installed and activated on my phone. I am trying to upgrade my security and have implemented 2 Factor Authentication on some accounts receivi...
by hunoraut
Sat Feb 27, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: Airport lounges
Replies: 24
Views: 3160

Re: Airport lounges

100% depends on your travel pattern, frequency, locations The most common means are buying premium airline tix, buying membership with the airline/freq flyer program, premium bank cards, priority pass membership, or buying individual day pass directly I’ll mention an uncommon mean: buying day pass f...
by hunoraut
Sat Feb 27, 2021 8:04 am
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12799

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

$150 is what I typically pay out of pocket leisure travel. If theres good deals with point redemption I’ll use it. Stayed in JWMs, Grand Hyatts, Park Hyatts, suites, etc for work and leisure, but we don’t really derive any utility from it. We’re out during the day and on the way back we’re on the be...
by hunoraut
Fri Feb 26, 2021 4:26 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 184
Views: 17394

Re: best wristwatch for the price

But that $5,000 watch is costing you $250 a year in the opportunity cost of not having that money invested. A Rolex is fine for people that want to spend money on jewelry, but don't get confused into thinking that it makes economic sense as a practical purchase. If you wanted to optimize for value,...
by hunoraut
Fri Feb 19, 2021 3:40 pm
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 944
Views: 61472

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

I am curious though — you're posting on a forum for "investing advice inspired by Jack Bogle." Are you... surprised that the box contains exactly what it claims to on the side? In this box there's a section called Theory and News, and in that section there's a branch about this thing call...
by hunoraut
Fri Feb 19, 2021 2:53 pm
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 944
Views: 61472

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

Then why are you posting here? There’s a forum for gambling if you would prefer to find similarly minded people that want nothing but outsized possibilities I read everything everywhere, consider all the positions, and then make my own decisions. Because I see comments like yours - "what are y...
by hunoraut
Fri Feb 19, 2021 2:02 pm
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 944
Views: 61472

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

So far , ethereum and bitcoin have been amazing diversifiers as a small part of my portfolio. It's kind of amazing that many bogleheaders will happily own underperforming small caps and ex-US (and argue for 9,000 pages about how SCV funds "will, maybe, hopefully, eventually pay off "), bu...
by hunoraut
Sun Feb 14, 2021 7:05 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Food for thought: if QQQ pulls back 10%, is it a dip you should buy? I mean, yes, if it's a good investment, right? OK now it's down 25% ... definitely need to buy more, it's on sale. Shoot now it's down 50%. Do you sell out and eat that loss? Maybe you get out there, or you ride it down 80% like i...
by hunoraut
Sun Feb 14, 2021 4:09 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

I see an implication in your statement that if an investment is going to decline over three years, it is easy to see that this is happening and sell long before there has been much of a decline, therefore it isn't much of problem. ... If you set rules in advance and backtest them, you'll find that ...
by hunoraut
Sun Feb 14, 2021 3:34 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Based on the fact that the OP wrote "For a 401k or IRA that's going to sit for 30 years", I'm guessing, oh, about 30 years? He means total investment horizon is 30+ years. How did you translate that into making a single, binary, immutable decision for 30 years? Someone pointed that ARKx m...
by hunoraut
Sun Feb 14, 2021 1:04 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Your mission, should you choose to accept it, is to determine which funds will outperform VTI in the future . How long into the future? Is the decision: * What vehicle will I handcuff myself to today until 20 years down the road (or, from 20 years ago until yesterday) OR * What vehicle will I inves...
by hunoraut
Sun Feb 14, 2021 10:39 am
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

I think you should go all in. You might want to have a look at what happened to the QQQ from December 1999 on as it sank nearly 80%. It took nearly 3 years for QQQ to bottom. Which would’ve been catastrophic, if you assume investors were (1) handcuffed to their investment and (2) incapable of asses...
by hunoraut
Sun Feb 14, 2021 7:30 am
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68961

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Same people spouting the orthodoxy “ past performance does not predict future performance ”, also pointing “ but her track record is not long enough ”… somehow without an ounce of irony. I’ve learned in all aspects of life, not just financial markets, that one must be flexible and adaptable. Some ma...
by hunoraut
Sat Feb 06, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4583

Re: Laptop Decision

I have in current ownership a late/current mode Dell business class (Latitude), workstation class (Precision), Lenovo professional class (X1) laptop, and an M1 MacBook Air. If you are OS/platform agnostic, the Apple laptop is the best by a country mile. 8GB RAM I surmise is appropriate for 85% of us...
by hunoraut
Sun Jan 31, 2021 8:08 am
Forum: Personal Consumer Issues
Topic: Electric Vehicle Tipping Point
Replies: 94
Views: 4515

Re: Electric Vehicle Tipping Point

So should those of us who regularly buy new cars be concerned that, at some "tipping point moment", our internal combustion vehicles will all of the sudden start rapidly losing value (at a rate even faster than the normal depreciation curve)? We keep hearing about all these EV connected s...
by hunoraut
Fri Jan 29, 2021 6:45 am
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8310

Re: Careers - Flagship State vs Top Tier Private

Flagship state is just as good for top tier students. If you're a top tier student at Flagship State, you'll get very close to the same education after knocking out the 101 classes. You'll be in all the top 10% classes with all the other top 10% students, so the experience of working with smart pee...
by hunoraut
Thu Jan 28, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8310

Re: Careers - Flagship State vs Top Tier Private

What's your experience long term career wise between people who to top tier public vs private universities? Impossible to answer for many reasons already stated above. This is a multivariate problem with each variable loosely defined and poorly measured. What career do these people want to get in? ...
by hunoraut
Mon Jan 25, 2021 3:57 am
Forum: Personal Consumer Issues
Topic: Is having an ice maker in an Airbnb important?
Replies: 37
Views: 2746

Re: Is having an ice maker in an Airbnb important?

suppose an ice maker is very useful for a rental (i can see why), do you see anyone:

* seeking out a rental specifically because it has one (abnb doesnt have this option)
* giving good or bad feedback because of one

basically its a nice perk that you cant capitalize on
by hunoraut
Mon Jan 18, 2021 7:55 am
Forum: Investing - Theory, News & General
Topic: Michael Saylor Discusses Bitcoin on Bloomberg's Odd Lots
Replies: 507
Views: 28802

Re: Michael Saylor Discusses Bitcoin on Bloomberg's Odd Lots

The pedagogy in here straddles the line between hilarious and hopeless. The profit taking from NASDAQ over the last 10 years is not largely on the basis of dividends or buybacks, and the new buyer into NASDAQ now is not on the basis future dividends and buybacks. The classic notion of buying equity ...
by hunoraut
Sun Jan 17, 2021 12:11 pm
Forum: Personal Consumer Issues
Topic: Anyone have the new Apple M1 MacBook?
Replies: 28
Views: 2916

Re: Anyone have the new Apple M1 MacBook?

Laptop itself is great. Does what it promises - for the same price as you were paying before, you get +20-50% improvement in performance and efficiency. Office has 100% compatibility. The functionality is 75%. Has not to do with M1, but simple fact that Mac Office has always been neglected cousin of...
by hunoraut
Fri Jan 15, 2021 3:39 am
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4324

Re: Simple but fun cars

by hunoraut
Fri Jan 15, 2021 3:37 am
Forum: Personal Consumer Issues
Topic: Apple Laptop - Battery Health - what is it and what to do?
Replies: 8
Views: 763

Re: Apple Laptop - Battery Health - what is it and what to do?

300 cycles is about right for that age, and 73% of capacity remaining is okay.

nothing atypical about it. you dont need anything "serviced" unless you see the laptop chassis deforming because of swelling - that would be a safety risk.

otherwise carry on.
by hunoraut
Thu Jan 14, 2021 7:35 am
Forum: Personal Consumer Issues
Topic: Cloud storage services recommendation.
Replies: 18
Views: 1036

Re: Cloud storage services recommendation.

Depends what you want to back up, and what your requirements are (security, persistency, etc) I use Google Drive as my main. It is the most intuitive to me and easily accessible across all platforms. Performance is solid and pricing is good. Downside is possibility of Google retiring this service (a...
by hunoraut
Tue Jan 12, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: iOS 14 Battery drain on iPhone
Replies: 39
Views: 2661

Re: iOS 14 Battery drain on iPhone

It's well known that higher heat = faster degradation. It's also known that a higher charging rate (C) = faster degradation. I haven't measured the maximum power draw of the iPhone 12, but it is atleast 20W. (Apple's docs says it can do a "fast charge" requiring a 20W+ adapter). The wirele...
by hunoraut
Mon Jan 11, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Thoughts on iPhone 12? (replacing iPhone 6)
Replies: 62
Views: 4893

Re: Thoughts on iPhone 12? (replacing iPhone 6)

Boy is this true. My 6s was fine and would have lasted for many years, except that I had agreed to auto update and then Apple made my phone unusable due to battery drain. They did the same thing with my 4. My bad was not having a backup with the previous iOS to restore and back track. That will not...
by hunoraut
Mon Jan 11, 2021 4:52 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla purchase any significant downside?

You quoted me but are you talking to me? I think you'd be a fool for not using the performance that you have paid for. I've said that several times. I don't see anyone actually using the performance in any way so that's a waste of money and car, imo. My point has also been that it is not the BH cho...
by hunoraut
Mon Jan 11, 2021 4:42 am
Forum: Personal Consumer Issues
Topic: Can a car have problem if you drive very little?
Replies: 34
Views: 2744

Re: Can a car have problem if you drive very little?

I have driven very little since the pandemic started last March. I live half a mile from the grocery store. On average, I drive to the grocery store 3 times a week. I rarely go anywhere else. The car engine sounded weak when I started the car a couple of days ago. I didn’t want to risk being strand...
by hunoraut
Mon Jan 11, 2021 3:22 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla purchase any significant downside?

But let's be clear: they are the new Prius. In my lousy-with-Teslas environs, I have seen exactly one (!) driven in a "spirited" fashion -- and that was a brand-new X the week they were released. The occasional fool may punch it for half a block on an arrow-straight road to show off but t...
by hunoraut
Sun Jan 10, 2021 5:55 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla [car] purchase any significant downside?

We just drove our x5 from Chicago to DC twice in 2020. I just think dont you can do that without range anxiety. Tesla is a commuter car and dont expect it to drive cross country. You saying that from experience, or speculation? Mine drives cross-country pretty well. In fact it drives across 7 diffe...
by hunoraut
Sun Jan 10, 2021 5:52 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla purchase any significant downside?

] OK, I play a little (and I fully know how pointless it is) It seems the car is 'great' for you because of three things you mentioned: User Interface (do you mean the steering wheel that makes the car go around turns?) convenience (I am not even sure how a car can be convenient, in its function to...
by hunoraut
Sun Jan 10, 2021 12:50 pm
Forum: Personal Consumer Issues
Topic: expensive family vacations with adult children?
Replies: 43
Views: 3323

Re: expensive family vacations with adult children?

this may be a function of living in an hcol area but some of our friends invite their adult children and families on expensive vacations. this includes paying airfare, hotel, tours and meals. i’ve never cared much for material goods but do love travel as do our kids. now retired, my wife and i trav...
by hunoraut
Sun Jan 10, 2021 7:25 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla [car] purchase any significant downside?

Soon2BXProgrammer wrote: Sat Jan 09, 2021 6:35 pm I'd rather be rich then look rich.
This has what to do with ownership proposition of the car ?
by hunoraut
Sat Jan 09, 2021 6:20 pm
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9761

Re: Tesla [car] purchase any significant downside?

Significant downside, no? It has some niggles here or there, and the biggest of mine so far is that recently it's developed a rattle around the rear trunk. I think I can easily investigate and fix it (but just havent). Other than that, it is a great car for 90% of people. I am a car enthusiast so I ...
by hunoraut
Fri Jan 08, 2021 4:08 am
Forum: Personal Consumer Issues
Topic: products with useful lifetime warranties
Replies: 48
Views: 2498

Re: products with useful lifetime warranties

Funny thing is, having traveled with the 3 leading brands of premium luggage (B&R, Tumi, and Rimowa) all over the world, B&R's warranty (by far the best of the 3) is the only one I've never had to actually use. My alloy Rimowa get banged up all the time, and so far the local shops have all ...
by hunoraut
Wed Jan 06, 2021 5:31 am
Forum: Personal Consumer Issues
Topic: iPhone 12 - cpl questions
Replies: 14
Views: 869

Re: iPhone 12 - cpl questions

If this is your main photographic device you should go for the 12 Pro: * stabilized telephoto lens * RAW image capture * larger screen for editing and playback I'm swapping the 12 Mini for the 12 Pro for those reasons. Even as I use a "real" camera for hobbyist shooting and the phone just ...