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Off Topix: Embrace the Unexpected in Every Discussion

Off Topix is a well established general discussion forum that originally opened to the public way back in 2009! We provide a laid back atmosphere and our members are down to earth. We have a ton of content and fresh stuff is constantly being added. We cover all sorts of topics, so there's bound to be something inside to pique your interest. We welcome anyone and everyone to register & become a member of our awesome community.

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  1. Malevolent

    Is your internet fast enough?

    It depends on how you choose to define the term "fast enough." For my uses? Absolutely not, unless I am just browsing around. To be fair, my current connection speed is abysmal, though. 2022 and I am stuck rocking 12/1.5.
  2. Malevolent

    Is Android better than iOS?

    Both operating systems are (frankly) excellent. They've had a lot of time to work out the issues. Apple's tends to perform better. Google's tends to be more personal and versatile. I only use an Android device because I find the Fold 4 to be a compelling device. On the other hand, I would...
  3. Malevolent

    What are you listening to now?

  4. Malevolent

    Minimum Wage

    We must tread a fine line between raising it too much and enforcing liveable wages. States can vary wildly, but so do their respective costs of living. The federal rate, frankly, should be the initial value + inflation index adjustment. A small town in rural Wyoming does NOT require the same...
  5. Malevolent

    Debt?

    Well, not credit card debt by any means. High-interest debt is the worst kind of debt to owe. Not to say it isn't sometimes necessary, but if it isn't for sustaining life, medical, necessities, etc., it isn't worth taking. I'm talking about leveraging no/low-interest debt. I have a chunk of...
  6. Malevolent

    How often do you reboot your modem?

    Never -- I own and operate my own equipment. Can't say I have ever had a reason to restart it, outside of firmware or software upgrades. Can't stand the junk that many ISPs hand off to their customers.
  7. Malevolent

    How often think about money?

    I tend to agree. Without struggle, I know so many people who take what they have for granted. Similarly, without a sense of liability, I know a lot of college dropouts who wasted mommy and daddy's money. That being said, I still tend to live a bit too frugally. Not that it's a terrible thing...
  8. Malevolent

    Savings or Current Account?

    I keep different pools of capital. I always have a strong emergency fund. I usually have a pool for whatever I want to buy/budget for fun during the year (this year is/was two new trucks) This main cash pool also includes home projects, items that need maintenance/replacement, etc. Then I have...
  9. Malevolent

    What's your internet speed?

    Their base plan (what I pay for right now) will be 10x faster for no additional cost. The gigabit plan would be double what I pay per month. Unfortunately, I can't justify it, as I don't really use that much bandwidth anyways. Realistically, I max about 200-250Mbps when streaming uncompressed 4K.
  10. Malevolent

    What are you listening to now?

    Another great track. I've always loved The Cure.
  11. Malevolent

    lead or follow?

    The best leaders know when it is time to lead, and when it is time to follow. I tend to find myself in either position given a number of different variables.
  12. Malevolent

    Loaning Money

    I have let a few friends borrow money from me before. Luckily, they all paid me back. Some people aren't as lucky.
  13. Malevolent

    How often think about money?

    My life dynamic has hit this point. I started out my childhood doing alright -- we weren't rich, but we weren't poor. We never went without food and we occasionally received goodies. Then there was my time at a university. I haven't ever been poorer than that. I learned a lot of interesting...
  14. Malevolent

    Who's on your money?

    Dead, old, white men.
  15. Malevolent

    Debt?

    So many people don't realize that debt is a tool that should be leveraged. I leverage a chunk of debt to create eventual profits. One of my recent real estate endeavors started out at 200k debt but is now an asset (even including the payment of the debt)
  16. Malevolent

    Support local businesses

    I try to support locals before I support large corporations.
  17. Malevolent

    Credit Card Vs. Debit Card

    I will always use my credit cards before I use my debit cards.
  18. Malevolent

    Do you prefer FedEx or UPS?

    Although I use both, I tend to prefer UPS. This is sort of unfortunate, though, because we need FedEx to maintain some degree of market competition.
  19. Malevolent

    Savings or Current Account?

    I got rid of savings quite a while back. Banking interest rates tend to pale in comparison to my stock gains.
  20. Malevolent

    Looking forward to..

    I don't have much to look forward to right now.
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