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Re: Ted Talks

Also try podcasts - Radiolab, in particular.
by lightheir
Tue Apr 21, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Ted Talks
Replies: 6
Views: 770

Re: Just got contact lenses. Should I buy backup glasses?

The glasses are helpful since contacts are generally recommended to not be worn more than 12-15 hours at a time. A lot of people do wear them longer than that daily with no problem, but there is more eye fatigue and dryness if you do so, so having glasses for after that period is helpful. I've howev...
by lightheir
Mon Apr 20, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Just got contact lenses. Should I buy backup glasses?
Replies: 22
Views: 884

Re: Marginal benefit of spending more on car

I'd avoid cars <$10k since you can clearly afford more recent cars. Cars <$10k tend to have high mileage, and like it or not, things break faster on them. I drove my Honda Civic into the ground, and treated it extremely well, but once it got to blue book $4000ish range (well over 100k miles), all so...
by lightheir
Sat Apr 18, 2015 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 39
Views: 2816

Re: Don't have a plan, what to do with my money?

At age 23, you've got a great start. But I wouldn't overplan - things can change rapidly and unexpectedly between 23-30, particularly if you get married, have a kid, or change jobs. Max out your retirement contributions, sounds like you've done that, good work! I wouldn't consider back door IRA just...
by lightheir
Fri Apr 17, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Don't have a plan, what to do with my money?
Replies: 12
Views: 1559

Re: ceiling fan

How hard is it for a contractor to install one of these things?
by lightheir
Wed Apr 15, 2015 10:16 pm
 
Forum: Personal Consumer Issues
Topic: ceiling fan
Replies: 13
Views: 1390

Re: Cloud Storage

What about "double" encryption? For example, let's say my hard drive is encrypted with bitlocker. I have files on my hard drive. Then, I use another encryption service to upload those files to the cloud, such as boxcryptor. Furthermore, for the most sensitive files, I password protect the...
by lightheir
Thu Apr 09, 2015 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4431

Re: Cloud Storage

I use and LOVE Google Drive, but to answer your question, the Android app is not automatic. If I take a photo or video with my phone, I have to manually upload it to Google Drive. A bit of a pain, but I also really like the ability to keep my folder structure intact. I don't want every single pictu...
by lightheir
Tue Apr 07, 2015 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4431

Re: smartphones

I have another post on it, but if you're lucky enough to have good overall service in your area, Republic Wireless offers solid wireless and cell service for $25 (3G) or $40 per month, unlimited (with high-usage throttling), which is as low as I've seen it for unlimited plans. I'm using the $25 plan...
by lightheir
Sun Apr 05, 2015 2:13 pm
 
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 1775

Re: LOL how long do you keep old tax returns

Scan and keep forever. Unless you move a lot what's the point? Letting a cubic foot or so of records just sit there is a lot less work than handling every sheet. I suppose everyone needs a hobby, but that's not my idea of fun. If you do your own taxes, pretty much every software nowadays will gener...
by lightheir
Sun Apr 05, 2015 4:45 am
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3119

Re: Republic Wireless

Ok, my friends just convinced me that I was shelling out way too much for cell phone with ATT (over $100 per phone with taxes) for quite awhile now, so I decided to take a flier and give Republic Wireless a shot, even though honestly, the pricing is way too good for me to believe. They have a 30 day...
by lightheir
Sat Apr 04, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 60
Views: 15648

Re: Paying for children college

I'm very curious what an up-to-date work-study hourly wage or compensation rate is.

If you're using numbers from college 7 or more yeras ago, I wouldn't consider your numbers up to date. (I probably should even say 4 years ago)
by lightheir
Fri Apr 03, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for childrens' college
Replies: 121
Views: 7872

Re: Paying for children college

It's very good that you're thinking ahead, but honestly, if you can't pay for it, it's probably going to be more of an issue of the astronomically increasing cost of college rather than any deficiencies on your part. When you have to raise $400k per child, that's a tall order, especially given that ...
by lightheir
Fri Apr 03, 2015 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for childrens' college
Replies: 121
Views: 7872

Re: Sell the house now?

I don't think there's a perfect answer for you. While I'm all Bogleheads myself, I've learned firsthand that the advice you will get on this forum will be heavily skewed toward the conservative side. I consider myself fiscally conservative myself, but if I had just followed the "BH" advice...
by lightheir
Fri Apr 03, 2015 8:23 am
 
Forum: Personal Consumer Issues
Topic: Sell the house now?
Replies: 11
Views: 1394

Re: Cloud Storage

Does anyone know of a cloud backup system which is encrypted (like spider-oak) but ALSO automatically syncs with a local storage folder which is ALSO encrypted and doesn't require too much effort to work with files locally? This seems like a good solution for the OPs personal documents (and mine!) ...
by lightheir
Wed Apr 01, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4431

Re: Cloud Storage

I still manually offload photos off my phone, mainly because I still have to do it for the flip camera and dSLR I use in addition for my family. One possible solution though, is to use Crashplan for anything that is on your PC (you can designate specific folders to monitor very easily), and point it...
by lightheir
Wed Apr 01, 2015 8:35 am
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4431

Re: Tesla to start making Batteries for Home Solar

Selling back to the grid is the best solution for now, but given solar's continued and progressive rise, we will soon reach the tipping point where utilities will no longer permit sellback of surplus energy to the grid, or at least hugely reduce the fees paid to sell back such energy. Some countries...
by lightheir
Wed Apr 01, 2015 8:27 am
 
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 4215

Re: Pull-ups and Push-ups

Got beaten by a 41 year old mom of two who ran a sub-6 minute mile for 5 miles as well as a 52 year old man who ran close to 5 1/2-minute miles for the same distance. :shock: I don't know how many pull ups or pushups they can do, but I'm still happy with my 5-6 pullups and 30 pushups, but those are ...
by lightheir
Wed Apr 01, 2015 8:21 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 385
Views: 65180

Re: Baby Grand Piano

I have to say, digital pianos are amazingly good now. Unless you're a top-flight pianist, a digital piano in the $2k range is more than you will ever need and is maintenance free, and nowadays, often even light enough to be moveable by one person (such as if you decide to sell it down the road - dia...
by lightheir
Mon Mar 30, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3023

Re: Best portable mattress/bed?

Aerobad is fantastic. Yes, it costs a bit more, but it has excellent durability and is effortless to set up (has a self inflator that is part of the mattress so it won't get lost.)
by lightheir
Fri Mar 27, 2015 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 983

Re: External Hard Drive?

One last tip - Be a bit cautious of the 'many hard drive' redundancy approach. It's very easy to rapidly accumulate HDs by doing this. Problem is the disposal of HD part. You have to physically destroy them or use a trusted deep wipe program to ensure security. Both of these can be annoyingly time c...
by lightheir
Mon Mar 23, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2366

Re: Elio Car

the video says its an ideal car for the teen with a new license. i disagree with that statement 100%. Absolutely. Young drivers especially male (testosterone) are far more likely to make mistakes. For example the stat I saw showed that most people killed on the roads are killed as a result of actio...
by lightheir
Wed Mar 18, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 48
Views: 4986

Re: Laptop Purchase at Costco?

Totally ok, no reason not to if they have something that works for you.
by lightheir
Mon Mar 16, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 13
Views: 1775

TaxAct was solid, I'd recommend it and was $21 Fed+state

Just throwing out my 2 cents (hopefully this is kosher for these forums), but I've been doing my taxes for 3 years now on TaxAct. Started with it because it was really cheap ($21 tax+state e-file included!) but it's been consistently excellent. This year was even better than prior years in my opinio...
by lightheir
Mon Mar 16, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: TaxAct was solid, I'd recommend it and was $21 Fed+state
Replies: 8
Views: 1358

Re: Where to purchase Windows? What version?

Get the latest version, which is Windows 8. It'll have a learning curve, but she'll have to do it anyway as Windows 7 is already being relegated to the past. Honestly, something sounds a bit fishy about her computer - Windows 7 is one of the most rock-solid stable OSes out there. Orders of magnitude...
by lightheir
Fri Mar 13, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2220

Re: Will you buy an Apple Watch?

I've been a die-hard PC user my whole life, and I detest the concept of a locked-in-ecosystem, which is exactly what itunes and i-everything forces you into. I still get furious every time I see how annoyingly hard it is to upload non-itunes music onto my iphone compared to a 'normal' non-apple devi...
by lightheir
Fri Mar 13, 2015 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21498

Re: Will you buy an Apple Watch?

haters gonna hate 8-) The opposite of love is not hate. It's indifference. Victoria That's when you know you're getting old. Seriously - I'm falling into this category myself, unfortunately and I'm nowhere near retirement age.... It's the exact same thing our parents and forefathers said whenever t...
by lightheir
Fri Mar 13, 2015 7:07 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21498

Re: What won't you pay with Credit Card?

I hate cash. Takes space, you have to replenish it if you use it regularly, and most importantly, it's a royal pain to track your expenditures with cash whereas it's trivially easy with a credit card (especially with mint.com.) Plus you have a digital record of the expense, whcih is much easier to s...
by lightheir
Fri Mar 13, 2015 6:59 am
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8503

Re: An arm and a leg ... for a middle finger?

Specialists costs a lot, but $750 for 3 visits isn't out of the norm for pricing for a specialist. I pay $125 MINIMUM for a Miele dishwasher repair guy just to show up at my house, and that doesn't even cover a cent of the repairs or parts. I pay him as much as I do to see a surgeon for an office vi...
by lightheir
Fri Mar 13, 2015 6:41 am
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3531

Re: $600 night guard for teeth grinding, really?

I second the notion that you try a plastic mouth guard purchased from a drugstore first. Mine costs about $30, and is boiled in water to fit. I replace it every 6 months because it does get grungy. Before I started using it I was in danger of losing a front tooth over the grinding problem. My teeth...
by lightheir
Thu Mar 12, 2015 3:33 pm
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6096

Re: What are Costco's best deals?

Costco has really good prices on almost everything.They even have very good deals on clothes and their return policy is almost too liberal.They are so much cheaper than Whole Foods that you cannot even compare the two.The best deal in Costco is probably the food court but it is mostly not the healt...
by lightheir
Thu Mar 12, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21104

Re: What are Costco's best deals?

Costco has really good prices on almost everything.They even have very good deals on clothes and their return policy is almost too liberal.They are so much cheaper than Whole Foods that you cannot even compare the two.The best deal in Costco is probably the food court but it is mostly not the healt...
by lightheir
Thu Mar 12, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21104

Re: $600 night guard for teeth grinding, really?

I suspect that these night guards are way oversold by dentists as a moneymaker. I have seen 4 different dentists in the past 4 years when I moved, and 2 of them said I should get one because there was 'early signs of grinding', one of them said there were no signs at all, and one of them said that I...
by lightheir
Thu Mar 12, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6096

Re: Buying a House - SF Bay Area [bayareabuyer]

Yeah, I'm surprised that SO many people can, and that it's sustainable. If we bought a $1.5M home, even with $600k down, we'd be looking at over half of our take-home pay on housing costs - $6k/mo. I'm not comfortable doing that. Maybe I'm just too conservative, but that seems pretty house poor. Th...
by lightheir
Wed Mar 11, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3811

Re: Will you buy an Apple Watch?

Will I buy an Apple watch? Hell no. Apple has made billions off Americans' fundamental inability to differentiate between need and want. +1 And also an inability to understand the definition of quality. I will silently judge and laugh at anyone I see wearing one of these. I feel like laughing to, b...
by lightheir
Wed Mar 11, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21498

Re: Will you buy an Apple Watch?

Not an Apple fanboy here, but I agree with some of the shouted-down posts from above that saying that most of us BHers are simply not connected enough to fully appreciate the whole apple experience before it arrives. Despite all the loads of doubt here, odds are very good that Apple will sell a lot ...
by lightheir
Wed Mar 11, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21498

Re: Home workouts and motivation

Seriously, the only way I can motivate to train hard is to sign up for races. I'll never come close to winning the things, but knowing that you'll be going all out and getting a time to compare to your old ones is pretty darn good motivation to keep up the workouts. Since you swim, triathlons would ...
by lightheir
Sun Mar 08, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3074

Re: Thinking of buying electric shaver

I think you'll be disappointed in a electric shaver if you expect it to perform like your blade Mach3 razor. Electric razors are fast and convenient but don't cut that tiny last 0.5mm of stubble that's left for the smooth feel, whereas the blade razors do. You might want to seriously consider going ...
by lightheir
Sun Mar 08, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1842

Re: Archival CD - MDisc

Honestly, the best solution nowadays is to not let your archived data go obsolete. Keep upgrading the storage format every 5-7 years and you should have your data maintained. With Moore's law (sort of) still applying to data, it becomes easier and easier to do this as data costs that are considered ...
by lightheir
Sat Mar 07, 2015 6:47 am
 
Forum: Personal Consumer Issues
Topic: Archival CD - MDisc
Replies: 25
Views: 1533

Re: What are Costco's best deals?

I used to work in the packaged foods world where Costco was one of our biggest customers. In general, Costco's retail price per ounce was MUCH better than regular grocery stores and significantly (10% or so) better than Walmart. Walmart and Costco would watch each other closely and Walmart would sc...
by lightheir
Tue Mar 03, 2015 6:18 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21104

Re: What are Costco's best deals?

I used to work in the packaged foods world where Costco was one of our biggest customers. In general, Costco's retail price per ounce was MUCH better than regular grocery stores and significantly (10% or so) better than Walmart. Walmart and Costco would watch each other closely and Walmart would sc...
by lightheir
Tue Mar 03, 2015 6:18 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21104

Re: What video games are you currently playing?

None. I find video games boring. You're either playing the wrong games, or haven't dedicated the time to the necessary learning curve to enjoy them. There is nothing boring about the best games in the current crop of games so long as it's not a genre you really dislike. There are enough games out t...
by lightheir
Tue Mar 03, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11092

Re: What are Costco's best deals?

This thread has been very interesting to read. Not too long ago my wife and I went on a shopping "date" (yes, how romantic I know!) where we did an extensive price analysis on a per unit cost basis of most of the items we purchased regularly. We visited Sam's Club, Costco, Walmart, Winco ...
by lightheir
Tue Mar 03, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21104

Re: How do I learn to like sushi?

Also, whatever you, do NOT consider a cheap buffet style sushi as typical sushi. There's a big difference between the quality of cut between the cheap bargain stuff and the good stuff served at real sushi restaurants.
by lightheir
Sat Feb 28, 2015 5:07 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 5179

Re: Buying a House - SF Bay Area [bayareabuyer]

True, but as pointing out the upside, if you HAD bought AAP anytime in the past 10 years, you'd be doing great. I never said this was a surefire win, but just pointing out the real upside. And that includes upside of owning AAPL if you bought previously, if you're set on that sort of comparison. Poi...
by lightheir
Fri Feb 27, 2015 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3811

Is there any way to roll over a wife's HSA to spouse newHSA?

I just changed jobs since my wife stopped working, so we switched from her health insurance/HSA provider to mine (we were all under hers in the past years.) I have some extra funds in my wife's HSA - I was hoping to transfer it into my new HSA, but I called my HSA provider and they said that since t...
by lightheir
Fri Feb 27, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Is there any way to roll over a wife's HSA to spouse newHSA?
Replies: 3
Views: 208

Re: Responses to Yelp Reviews

There are such businesses, the same as there are quite a few on them on Amazon that can give you hundreds, or even thousands of 5 star reviews for a price.
by lightheir
Thu Feb 26, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Responses to Yelp Reviews
Replies: 12
Views: 1542

Re: Buying a House - SF Bay Area [bayareabuyer]

I don't see anywhere where I'm contradicting myself. What I get from your posts that your are trying to paint me as someone who is overoptimistic about the SV housing market, when that is absolutely false. I'd warn the OP 10x to buy here for all the price risks. But contrary to a lot of naysayers, I...
by lightheir
Thu Feb 26, 2015 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3811

Re: Buying a House - SF Bay Area [bayareabuyer]

Nobody here, including me ever said prices would always go up in housing in SV. However, the fact is that in my area, as I've said, in the last 25 years (I haven't checked before that), prices have never gone down, ever. This does not mean they will go up forever, but that's at least the trend you'...
by lightheir
Thu Feb 26, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 3811

Re: Recommend a quality (and reasonably priced) knife set

Wusthof Classic 8-Inch Cook's Knife. This knife has been mentioned in prior posts but want to reiterate the sentiment. I have bought several of these knives as gifts for those in my life who are much more active in the kitchen than I am and it has been life changing for each of them. Be careful not...
by lightheir
Wed Feb 25, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2816
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