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Re: Do I Really Need a Million Bucks?

I would value any pension that actually paid out over $1million of cash for retirement. Yes, I would take the $30k-40k/yr pension in a heartbeat over the $1million cash now.
by lightheir
Sat Sep 20, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 2649

Re: External backup drives - Seagate vs Western Digital

You're always lucky - until you're not. I went 7 years without a single drive failure. Then all of a sudden in the last 3 years I've had one laptop drive suddenly become erratic enough that I don't trust it anymore (it even fails the hard drive disk checks) and another laptop drive that died suddenl...
by lightheir
Fri Sep 19, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 2578

One unexpected benefit of buying electronics on Amazon

ONLINE SEARCHABLE RECEIPTS are great! I just had some pricey bluetooth sport headphones spontaneously go bust on me 9 months after I bought it. I knew there was a one-year warrantee, but I've never been good at keeping paper receipts of such purchases, even when I mean to. Pull up the Amazon history...
by lightheir
Thu Sep 18, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: One unexpected benefit of buying electronics on Amazon
Replies: 11
Views: 1601

Re: A 'really good book' you did NOT enjoy

The Fountainhead. One of the characters reminded me of a coworker at the time. Very depressing. "Atlas Shrugged" regularly wins awards as the 'most influential book in my life' on surveys, up there with the Bible. I couldn't finish it. Polemics disguised as novels seldom work. I felt some...
by lightheir
Tue Sep 16, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10817

Re: Treadmills

Sole f80 is a workhorse, used by many. 1400ish
by lightheir
Sat Sep 13, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills
Replies: 18
Views: 947

Re: Reliable Portable CD Player Needed

bertie wooster wrote:Just rip the CD's and use an MP3 player.


As roundabout as it seems, I agree with this recommendation. You can get a USB-CD/DVD burner for <$50 on amazon now that will do the ripping, and then you can play the mp3 on anything including your phone.
by lightheir
Fri Sep 12, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1368

Re: What should be Shredded

Yes, it's very incovenient to have reams of personal info on printed paper. I do recommend going all-electronic for statements and as much as possible, and keeping the files encrypted and secure and backed up. Ever since I went all-digital, I shred or discard all papers IMMEDIATELY after I scan them...
by lightheir
Fri Sep 12, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1413

Re: Good piano for toddler ?

Casio Privia is a great (real) digital piano to be hand for $500 or less. You can play with it like a toy, or get serious and progress to high levels with it.
by lightheir
Thu Sep 11, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Good piano for toddler ?
Replies: 13
Views: 814

Re: The Great Courses.com

Local library will often have many of these to borrow.
by lightheir
Thu Sep 11, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2209

Re: Coin Counting Machines

Yes, my Wells Fargo stopped accepted loose change last year, unfortunately. Coinstar is expensive and adds up. I ended up buying a manual coin sorter where you turn a handle and it sorts/drops the coins into tubes. It worked great, but you MUST also order the preformed paper tubes for the coins - th...
by lightheir
Wed Sep 03, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4041

Re: Costco:is it worth it for just two people?

I found that I have stopped going to Costco simply because it takes us way too long to get in and out and my time is valuable. Instead, I send my shopping list to my in laws who are able to go during work hours :D Agreed. My wife and I were pondering joining as well, so we went with some neighbors ...
by lightheir
Wed Sep 03, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10983

Re: Wifi phone calls vs Ooma

My Ooma has been flawless. When I've used Google voice, it seems to work okay as well, but with the Ooma, it's literally identical to using a 'regular' landline phone (but with better features, like better voicemail and online features).
by lightheir
Wed Sep 03, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Wifi phone calls vs Ooma
Replies: 14
Views: 1547

Re: Costco:is it worth it for just two people?

We're members and love the products. The store is located way out in the burbs, so we don't go often. I think we'd get more benefit out of Amazon Prime honestly. Amazon prime >>> Costco for me The time savings from avoiding trips to stores for specific household items is unbelievable whereas Costco...
by lightheir
Sun Aug 31, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10983

Re: Costco:is it worth it for just two people?

Depending on what you are buying, Costco can be worthy even for a single person. When I moved close to Costco and became a member, it became my primary source of groceries such as organic green salads, organic chicken, organic eggs, organic olive oil, and Pellegrino mineral water. I miss the variet...
by lightheir
Sat Aug 30, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10983

Re: Costco:is it worth it for just two people?

I'll differ from the other responses above. Costco was WAYYYY overkill for my 2-person family before a kid, and even with a kid, it's wayyyy overkill for a 3-person family. And I eat a lot! Remember that every single non-produce item at costco (and the majority of their meat produce) is sold in fair...
by lightheir
Sat Aug 30, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10983

Re: Programming and Database Classes

You hit the nail dead center on "other engineers" on that. Experience and working with other knowledgeable professional people is the best way to learn skills not taught in colleges. On database education, the best is to go to work with firms that use those types of databases, and other r...
by lightheir
Fri Aug 29, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Programming and Database Classes
Replies: 15
Views: 1074

Re: Good place to buy eyeglasses without insurance?

Go Zenni. Their glasses are 100% legit - I'm still using my $30 pair for 3 years now, not a scratch despite daily washing, and I work in suit-n-tie kind of place so can't be sloppy. THe key thing to avoid to save BIG money with glasses buying is to avoid US retail stores. Google "Luxxotica"...
by lightheir
Thu Aug 21, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2511

Re: How to install an SSD HD into laptop without a Win7 disc

tuningfork wrote:I recently bought a Samsung 840EVO SSD. I was prepared to use Clonezilla, but the SSD came with some Samsung-branded cloning software that I went ahead and used. It worked well and I didn't need to reinstall anything.


How is the SSD speed working out for you? Noticeable? Marginal?
by lightheir
Tue Aug 19, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: How to install an SSD HD into laptop without a Win7 disc?
Replies: 17
Views: 1306

How to install an SSD HD into laptop without a Win7 disc?

I was hoping to upgrade my laptop HD to a SSD.

The hardware shouldn't be a problem for my ACER. I, am , however, unsure of how to go about doing this when the Windows7 came preinstalled onto the harddrive. I believe there is a partition with it, but I'm unsure of how to get it onto the SSD.
by lightheir
Mon Aug 18, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: How to install an SSD HD into laptop without a Win7 disc?
Replies: 17
Views: 1306

Re: Best Place to Do Research on Orthopedic Surgeons

If you're in a city with professional sports teams, I would try to find out who is repairing those professional rotator cuffs. If that surgeon is not available to you, ask who they would recommend. Short of that, I would find a shoulder expert in a sports medicine practice who does a high volume of...
by lightheir
Thu Aug 14, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1815

Re: Two factor identification and your password safe

But my question has to do with a password safe on my flashdrives. This isn't about 2f id at Amazon or Ebay et al. Unless someone gets into my pc my safe is off limits to the internet and even then it is on 2 flashdrives because I removed it from the C drive so one of them would have to be plugged i...
by lightheir
Sun Aug 10, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2062

Re: Two factor identification and your password safe

I'm not an IT security expert, but I'm pretty sure that the two-factor process is not meant to add mathematical complexity, since as you have found out, you can add that by just adding more complexity and length to a single passsword. The two-factor becomes more important though, if somehow, other t...
by lightheir
Sun Aug 10, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2062

Re: Tell Vanguard they need 2 factor authentication

Toto I will charitably assume that you are trolling. The alternative assumption is that you continue to expend prodigious quantities of online ink without a basic understanding of security. That assumption would be uncharitable. Gotta be a troll. There is not one computer security expert today who ...
by lightheir
Sat Aug 09, 2014 4:50 am
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2441

Intel Core processors - i3 2014 vs older i3 or other?

Just a question for anyone who knows - I see a lot of laptops with Intel Core i3,i5,i7 processors now. I own a laptop bought nearly 2 years ago for <$650 with a core i5 processor. Is that older core i5 the same as a 2014 core i5? Or is there a difference? I was surprised when my in-law came over wit...
by lightheir
Fri Aug 08, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Intel Core processors - i3 2014 vs older i3 or other?
Replies: 16
Views: 1447

Re: How many Accounts do you log into and how do you manage?

I distinguish between financial and other accounts. Despite trying to minimize financial accounts, there are at least 8 I have to log on to. All have unique, hard-to-break computer-generated long passwords with Keepass. All the other I don't keep track of and assume they can be hacked at any point. ...
by lightheir
Thu Aug 07, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2608

Re: Ditch car and commute to work in 250cc scooter in Raleig

I did a 21 mile commute one-way (42 total) 3-5x per week for a year before a baby arrived in the family. It's not for the faint of heart, but was great exercise, and because I predominantly rode back streets, def safer (but slower) than a scooter. Riding home in rush hour was a mixed bag - annoying ...
by lightheir
Sat Jul 26, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6694

Re: Looking to buy a quality scanner

You guys are convincing me to buy a Scansnap. What about stuff that HAS to be scanned on a flatbed (like maybe old photos)? Is there a way to do that with this machine? Most photos can be fed into the Scansnap, but some nonflexible things and books won't fit. Still, despite having a good flatbed an...
by lightheir
Wed Jul 16, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3345

Re: Looking to buy a quality scanner

Key piece of advice here if hasn't been mentioned above - If you intend to regularly scan papers/documents, you really should invest in a sheetfeed scanner (not flatbed) like the Fujitsu scansnap. They cost a bit more, but are absolutely worth it - I would be unable to keep up with regular scanning...
by lightheir
Wed Jul 16, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3345

Re: Looking to buy a quality scanner

Key piece of advice here if hasn't been mentioned above - If you intend to regularly scan papers/documents, you really should invest in a sheetfeed scanner (not flatbed) like the Fujitsu scansnap. They cost a bit more, but are absolutely worth it - I would be unable to keep up with regular scanning ...
by lightheir
Mon Jul 14, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3345

Re: The Millionaire Next Door: Are You One?

The best way to get a million bucks is to have a high paying job and save 15%. It is a lot easier than having a job that pays half as much and needing to save 30%. Not if the guy with the high-paying job is paying 5x as much for housing... The lower-paid guy may indeed have more disposable income t...
by lightheir
Wed Jul 09, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23218

Re: Eneloop batteries in smoke detectors

No problems with Eneloops, but since smoke detectors are such low-draw and long-lasting devices where you may need to change the battery very infrequently, I still think alkaline's are the best option here, on price, convenience, and bang for buck. This is coming from someone who loves eneloops and ...
by lightheir
Wed Jul 02, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1842

Re: Getting toddler to brush their teeth

A trick that has worked (at least for now) with my similar aged toddler was to upgrade her toothbrush to a battery-powered one, and then also introduce a hourglass sand timer of 2 minutes. We made it a game where she has to brush as long as the timer is going, and the electric toothbrush makes it ha...
by lightheir
Wed Jul 02, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2613

Re: Please help us decide where to live

All I can say is that it's quite a privilege to be able to work from literally anywhere in the US/world!
by lightheir
Thu Jun 26, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 8123

Re: How do you afford to travel?

I don't feel like you should feel bad about not wanting to travel or not wanting to spend the huge amount of dollars needed for travel. Contrary to what a lot of travelers say, vacation travel does not necessarily widen your experiences or wisdom, especially if your travel is to prearranged tour vac...
by lightheir
Thu Jun 26, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6440

Re: Car rental - how to minimize all those fees?

Yes - I agree with you. I actually found the tax surcharges for the PHX Sky Harbor airport so egregious (and I don't consider myself a cheapskate) that it's worth actually warning people to avoid renting a car on-airport just to avoid those fees, or to at a minimum compare the cost of going off site...
by lightheir
Thu Jun 26, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Car rental - how to minimize all those fees?
Replies: 47
Views: 4701

Re: Car rental - how to minimize all those fees?

@jlawrence01 - I am planning to rent a car in Seattle. You had mentioned that I can rent it in downtown and return it at the airport for no charge. Do rental agencies allow that ? If yes, which companies allow this procedure. Can you elaborate a little. Thank you. :) My apologies. I am in the proce...
by lightheir
Thu Jun 26, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Car rental - how to minimize all those fees?
Replies: 47
Views: 4701

Re: Buy A New Windows Computer Now?

I actually think that there's probably no need to upgrade if your computer was new a mere 2 years ago. Unless you have a specific limitation that you really want addressed, I don't think the gains from a replacement desktop for you in a 2 year span will give enough functional benefit to be worth it ...
by lightheir
Thu Jun 26, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 3032

Re: Home security cam: remote video recording

I was going to get dropcam but I got concerned about the bandwidth uploading requirements - seems like it would consume tons of your upload data allotment per month
by lightheir
Sat Jun 21, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Home security cam: remote video recording
Replies: 11
Views: 1272

Re: Car for a long daily commute

Ouch. The 55 mile distance isn't the killer. It's the deadly traffic that you will absolutely hit from start to finish of that commute, which will literally be <10mph for a lot of it, day in day out.
by lightheir
Thu Jun 19, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6068

Re: Calling all Cyclists... [help getting into cycling]

I am getting back into cycling after two years of very little cycling, 16 or 17 rides each year. A good motivator has been the app Ridewitgps it is free and records all your rides mileage calories speed and times on on a webpage. The more popular Strava did not work on my Verizon cell. On both you ...
by lightheir
Wed Jun 18, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5526

Re: running shoes for a severe overpronator(flatfoot)

I've run for decades.. Here's the inside scoop that nobody talks about but is the reality of running shoes: - NO sneaker type has been shown to significantly decrease injuries. Barefoot, super cushioned, and everything in between - no difference in injury rate. (You will get more injuries if you sud...
by lightheir
Thu Jun 12, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 3037

Re: Using TurboTax on Apple Mac PCs

I believe there is a cloud version of Turbotax that is fully featured, so you can use on apple, pc.
by lightheir
Thu Jun 05, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Using TurboTax on Apple Mac PCs
Replies: 21
Views: 1102

Re: Hiring a Financial Planner

I can't answer your original question, but will give some hopefully obvious advice up front - REALLY look carefully into fees, and try and have them written out in dollar form BEFORE they charge you. They will go through all sorts of gymnastics to not give you this number, and instead say "it's...
by lightheir
Fri May 30, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Hiring a Financial Planner
Replies: 10
Views: 1084

Re: Do you find digital media annoying

Yes, I find these restrictions annoying. They will undoubtedly find a better solution to family-share down the road, much like Amazon prime sharing. The benefits of digital media for me though >>> the nondigital format. It's not even close how much better the digital is, be it books, audio, podcast,...
by lightheir
Fri May 09, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Do you find digital media annoying
Replies: 6
Views: 593

Re: Computer security -- a paradigm shift?

Our definitions are essentially identical - both of us are saying we should be judicious in choosing with whom to entrust information in the 'cloud'. Still, I stand by my prior statements - if you have bank or retirement accounts, but still say you have an overall distrust for 'cloud' storage (whate...
by lightheir
Wed May 07, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4792

Re: Computer security -- a paradigm shift?

My take is that if you completely distrust the cloud completely, you should be seriously considering why you are maintaining any bank account, which is in effect, run on servers with protections that aren't way more advanced than what you might get with gmail+dbl authentication. I distrust the clou...
by lightheir
Wed May 07, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4792

Re: Computer security -- a paradigm shift?

It is likely that now and in the future, your data will be safer on the cloud than on a home computer then on your home computer with an active online connection. Corporations of all sizes are already discovering this, and offsourcing a lot of functions like email and office-type apps to Google etc...
by lightheir
Wed May 07, 2014 7:04 am
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4792

Re: Computer security -- a paradigm shift?

So, you are trying to prevent hackers from breaking into your local machine, thus you are trusting that a corporation will protect your data in the cloud? It is likely that now and in the future, your data will be safer on the cloud than on a home computer then on your home computer with an active ...
by lightheir
Tue May 06, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4792

Re: College Competition

... I have seen this criticism of the 'grinders' before - it'll always be around. Me personally, though - I have great respect for the grinders, and think it is quite unfortunate that extremely diligent hardworking youth risk getting labeled 'grinders' when they should be rewarded for their hard wo...
by lightheir
Fri Apr 25, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 7831

Re: College Competition

What were their SATs (or ACT)? I wonder if their recommendations gave an indication that they were "grinders." Some schools want passion, interests, cleverness, insight, intuition more than grinding away. Essays are another gotcha. I read the college essay of one of my son's classmates, a...
by lightheir
Fri Apr 25, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 7831
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