Search found 1738 matches

by lightheir
Fri Feb 05, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 14
Views: 812

Re: $50 Amazon tablet

Call me an old fuddy-duddy, but I don't trust Android or iOS for anything financial. Actually, I don't even trust my desktop operating system. I only log in to sensitive accounts from an encrypted Linux virtual machine. I do have the JSTOCKS app on my Android tablet and I use the Stocks app on my i...
by lightheir
Fri Feb 05, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 39
Views: 2448

Re: Advice for parents with Perfectionist Child?

I seriously suggest that you get your kids to fail often. Make them play sports that they are not very good at. Team sports would be best. They can get their participation trophies and see that even the losers have fun. Mix in some things they can do individually that they may not be good at such a...
by lightheir
Fri Feb 05, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 39
Views: 2448

Re: Advice for parents with Perfectionist Child?

Losing in a spelling bee elicits lots of tear from kids who aren't even perfectionists, so it's ok there. I used to be a perfectionist. At some point, the challenges presented will be enough to force adaptation. I wouldn't worry about it - these kids tend to be quite successful without being pushed,...
by lightheir
Thu Feb 04, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10424

Re: Do you pay for exercise?

My point is that - for some - simply eating less calories than they burn in a day does not necessarily result in weight loss. Are you really suggesting that someone could consistently burn more calories than they consume (let alone absorb) and yet they don't lose weight? How would that be possible?...
by lightheir
Thu Feb 04, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 58
Views: 4312

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Interestingly, I replaced 8 vanity bulbs over my bathroom mirror with LEDs.

The light and color is exactly the same, as far as I can tell. Nice warm yellow. I was expecting some cold harshness (that you get with fluorescents) but that wasn't the case.
by lightheir
Sat Jan 30, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10424

Re: Do you pay for exercise?

60 mins of running a 8:30 pace (i.e not too long and not too fast ) Wow. I always knew I was never a top athlete, but suggesting that running at over 7 miles per hour for 60 minutes is a moderate speed and amount of time seems like a stretch to me. I once spent a year running on the treadmill every...
by lightheir
Thu Jan 28, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 2568

Re: Most efficient way to improve my writing ability?

You have to both read and study writing at or above the level you wish to achieve, as well as practice writing in that style. The reading and study of how experts do it is quite important - you'll quickly pick up on the rhythm and variation in the words they use and expand your writing repertoire wi...
by lightheir
Fri Jan 22, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 4847

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

TaxAct. I still find their pricing unbelievably low after having used Turbotax in the past. I actually like TaxAct's interface better as well - simpler and more intuitive to me. $30 total for federal+state e-file. I've had no billing surprises in the past 3 years of using it. (Unlike the Turbotax su...
by lightheir
Thu Jan 21, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax $0 Federal - $0 State - $0 for filing
Replies: 10
Views: 1703

Re: Turbo Tax $0 Federal - $0 State - $0 for filing

It's a teaser, kind of like a blue-light special where they sell door items under cost so it gets flyby customers to spend real money on the main product. For the non 1040-Ez, taxAct is a better deal imo. It's so cheap that I don't even bother with the sales on it, and it's actually quite good. (No ...
by lightheir
Thu Jan 14, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Smartphone security 101?
Replies: 45
Views: 3563

Re: Smartphone security 101?

No problems. :happy At the danger of this coming across like arrogant geek snark, saying you have no problems with that setup is like someone saying "I've always left my doors and windows unlocked and I've never been robbed".... Just because it hasn't happened to you does not make it a go...
by lightheir
Mon Jan 11, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Treadmill
Replies: 17
Views: 1264

Re: Treadmill

For running, probably, no, no truly 'quiet' treadmills, as least if you're a decently fast runner. For walking, most of them are quiet enough to easily watch a TV without super cranking the volume. If you're a runner, bluetooth wireless earbuds are very helpful for hearing the TV over the noise of t...
by lightheir
Mon Jan 11, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Treadmill
Replies: 17
Views: 1264

Re: Treadmill

Sole F80 is still a tried and proven TM, def recommended. Customer service is excellent, which doesn't seem that important, until something happens, and then you're really glad they're their, and have a national footprint. That said, if you know you never intend to run on your TM, and are only doing...
by lightheir
Tue Jan 05, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6190

Re: Netflix, Your Current Favorite Show

Daredevil and Narcos are excellent, even by HBO standards
by lightheir
Mon Jan 04, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5158

Re: How do you have fun?

Runnning or similar endurance sports. Seriously. You'll love it, although there is an initial learning curve that's not as fun when your body adjusts to the new training load. BENEFITS: - It's something you SHOULD be already doing as you age as an adult. - Huge ancillary benefits in terms of more ph...
by lightheir
Mon Jan 04, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: No to Betterment advisory fee, but yes to...?
Replies: 28
Views: 1944

Re: No to Betterment advisory fee, but yes to...?

personal training FYI, I estimate conservatively you get 2-3 times more done with a personal trainer as by yourself. Plus if they are good they are varying your workout and are far more knowledgeable of physiology than you are. If they aren't good hire someone who is. In fact if I am thinking clear...
by lightheir
Sat Jan 02, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10503

Re: The Japanese Art of Decluttering and Organizing (Book)

I highly appreciate these comments! I have a lot of paper files that I have always thought I needed to scan into files one day. The enormity of the task paralyzes me into doing nothing. My main issues are (1) the amount of time needed to feed a scanner (2) ensuring that my digital media would be re...
by lightheir
Sat Jan 02, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: No to Betterment advisory fee, but yes to...?
Replies: 28
Views: 1944

Re: No to Betterment advisory fee, but yes to...?

personal training FYI, I estimate conservatively you get 2-3 times more done with a personal trainer as by yourself. Plus if they are good they are varying your workout and are far more knowledgeable of physiology than you are. If they aren't good hire someone who is. In fact if I am thinking clear...
by lightheir
Sat Jan 02, 2016 4:35 am
Forum: Personal Consumer Issues
Topic: No to Betterment advisory fee, but yes to...?
Replies: 28
Views: 1944

Re: No to Betterment advisory fee, but yes to...?

The Betterment fee is very reasonable when compared to active investment managers, but it's downright expensive compared to the Boglehead's equally effective, and I feel, equally simple approach. But it's worth noting that it's trivially easy as well to just buy either a Vanguard lifecycle-type fund...
by lightheir
Sat Jan 02, 2016 4:27 am
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10503

Re: The Japanese Art of Decluttering and Organizing (Book)

If paperwork is the thing that is killing you, I would HIGHLY recommend considering going 'paper-free'. Yes, there's definitely a learning curve, and it feels unnatural for the first few weeks with it (especially if you're not a regular computer user) but after I went paper-free 10 years ago, I've ...
by lightheir
Fri Jan 01, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10503

Re: The Japanese Art of Decluttering and Organizing (Book)

I wouldn't blame your parents, honestly. The DEFAULT pathway is to hoard materials that you have acquired. It takes much more active training and discipline to avoid this tendency, and even if your parents were not hoarders, it is still difficult to maintain the nonhoarding attitude. When I say my ...
by lightheir
Thu Dec 31, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10503

Re: The Japanese Art of Decluttering and Organizing (Book)

When I look around at the clutter in my house, I feel like a bit of a failure as an adult. I have to remind myself that my parents are hoarders, so I picked up absolutely no techniques as a child, but it still irks me. It gives me absolutely no joy to see the clutter. Unfortunately, I've come to th...
by lightheir
Tue Dec 29, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 54
Views: 4215

Re: Cataract billing issue - anesthesiologist

So the anesthesiologist is in network but their employed CRNA is not ? That makes no sense. Nets out to more money for the anesthesia group. To me it seems like a back door way to receiving more than the network negotiated rates. I'm not blaming the docs, they may have no idea of the billing practi...
by lightheir
Fri Dec 18, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5725

Re: What am I missing ? ... Smart Phones $100 vs. $600

Actually I've taken several week long courses with Roadscholar on how to use my DSLR. I'm even starting to learn how to process RAW files. I work in IT and enjoy learning the techie stuff but I haven't had the time lately as I'm very busy at work. I've used my photos mainly to put on websites for v...
by lightheir
Wed Dec 16, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Motion Activated Outdoor Security Lights
Replies: 16
Views: 1191

Re: Motion Activated Outdoor Security Lights

I hate to say it, but I bought 3 of these 2 years ago, and while they do work great while they do, 2 of them died on me in the last year. The motion detector just went haywire and the light just wouldn't turn off, and burned through the batteries. They're not expensive, but I was hoping they'd last...
by lightheir
Wed Dec 16, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Any android app useful for tracking business trip expenses?
Replies: 0
Views: 105

Any android app useful for tracking business trip expenses?

Has anyone found an Android app they liked that made tracking travel expenses (hotel, gas, restaurants, etc.) for a business trip for tax receipt purposes easier? Recs are welcome! If you don't use an app but like your system, feel free to chime in as well. I hate the clutter of numerous receipts, a...
by lightheir
Tue Dec 15, 2015 4:41 pm
Forum: Personal Consumer Issues
Topic: Motion Activated Outdoor Security Lights
Replies: 16
Views: 1191

Re: Motion Activated Outdoor Security Lights

Not exactly what you are looking for but I got 3 of these as a gift 2 years ago and they work great. http://www.mrbeams.com/mb390-mr-beams-ultrabright-wireless-motion-sensor-spotlight They use battery (4 D cells). I do not remember replacing the batteries until last week. I like the battery since I...
by lightheir
Sun Dec 13, 2015 11:15 pm
Forum: Personal Consumer Issues
Topic: Computer Photo Backup
Replies: 54
Views: 2790

Re: Computer Photo Backup

Most of what you folk are referring to as backup is not backup. A real backup system, historically, consists of: 1. Periodic copies (snapshots) of important data. This usually consists of Daily Incremental, Weekly Differentials and monthly Full Backups. 2. Periodic Archiving of Full Backups to hard...
by lightheir
Sat Dec 12, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: Computer Photo Backup
Replies: 54
Views: 2790

Re: Computer Photo Backup

If you are truly looking for a backup solution and not a mirror, I'd look at something like Crashplan. It retains old copies so even if you were to delete a file, it would still be available. The disadvantage is that the backup isn't something you would use to easily access photos from multiple dev...
by lightheir
Mon Nov 30, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 5922

Re: Nice house vs traveling

To all those criticizing, don't judge. Again, I'm going to speculate, but if the OP was an immigrant, it is very likely she/he would have limited knowledge of stocks/bonds/investing in the US. My parents were immigrants, and were the exact same way. Furthermore, it had very little to do with willful...
by lightheir
Mon Nov 30, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 5922

Re: Nice house vs traveling

And I'm proven correct. To the OP (original poster of this thread) - you and your husband need to get better education about investing, and in particular, how stocks and bonds, when invested correctly (in the style of this forum, Bogleheads), is perhaps the best long-term/lower-risk investment strat...
by lightheir
Mon Nov 30, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 5922

Re: Nice house vs traveling

I'm just going to speculate here and guess maybe the OP is counting on real estate appreciation of the vacation home to compensate for the opportunity cost of the tied up cash? I've actually seen this type of thinking, especially with foreigners who really got a good run in the real estate boom mar...
by lightheir
Sun Nov 29, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 5922

Re: Nice house vs traveling

I'm just going to speculate here and guess maybe the OP is counting on real estate appreciation of the vacation home to compensate for the opportunity cost of the tied up cash? I've actually seen this type of thinking, especially with foreigners who really got a good run in the real estate boom mark...
by lightheir
Sun Nov 22, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Basic sport watch recommendations
Replies: 13
Views: 1321

Re: Basic sport watch recommendations

Timex Ironman watch is extremely well designed and supersolid. Forget the 'ironman' aspect of it - it's just a good sports watch that's been used by tons of folks in all sports.
by lightheir
Fri Nov 20, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Photo Storage Options
Replies: 16
Views: 1097

Re: Photo Storage Options

Just as a heads up - if you're using Crashplan as a primary offsite storage of archival files, be wary. It is very, very easy to accidentally delete your files. A prime example of this is if you upgrade your computer and point your Crashplan at your old computer without migrating all your files to t...
by lightheir
Tue Nov 17, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses - Costco Changed Policies - Help!
Replies: 41
Views: 7389

Re: Eyeglasses - Costco Changed Policies - Help!

zenni.com Buy a solid replacement pair for <$40 WITH lenses. It's the real deal. Takes about 3 weeks to get 'em shipped to you though. Don't look back to retail eyewear. The reason Lenscrafter and other retail eyewear can charge exorbitant prices is because they are ALL owned by Luxxotica, so it is ...
by lightheir
Mon Nov 16, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 6202

Re: At what level does the cost of something matter to you?

I will say that I definitely factor time/convenience into the cost now, even if it's often unconsciously. If I'm on vacation, time is precious, so I don't mind paying premiums for things I can enjoy right then and there (provided they're not astronomically expensive.) Similarly with online vs store ...
by lightheir
Fri Nov 13, 2015 4:16 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16046

Re: Is The Bay Area Worth It?

Gilroy to Sunnyvale is 53 minutes on Google maps without rush hour traffic. It's a LOT worse than that going in that direction with rush hour traffic. Closer to 90 minutes on the freeway. It makes a huge difference where you live - if you're going the reverse direction, no slowdown at all even at pe...
by lightheir
Fri Nov 13, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16046

Re: Is The Bay Area Worth It?

Not sure if you watched the YouTube video; it actually talks about train commuting from cheaper areas as an option. Yes, I did. It talked about 4-5 hours commuting from Fairfield, which is not at all typical. It is also why I listed Caltrain on the Peninsula. That video was full of entitlement and ...
by lightheir
Thu Nov 12, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16046

Re: Is The Bay Area Worth It?

I also remember seeing quite a few architect signs in front of houses in Palo Alto back in 2008, although nothing like now. While 84% is probably not indicative of the average, -30% is simply wishful thinking unless you're looking at the mobile home park near EPA. From what I remember, the higher e...
by lightheir
Tue Nov 10, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Is it risky to use XP if I do not want to buy a new computer?
Replies: 39
Views: 2123

Re: Is it risky to use XP if I do not want to buy a new computer?

Probably not in the grand scheme of things, although I will say that Win7 and Win10 are far more stable and elegant than XP. XP was good compared to the terrible Windows versions prior to that, but it's nowhere near as reliable and stable as 7/10. On my CPUs, every computer that had XP for over a ye...
by lightheir
Mon Nov 09, 2015 7:49 am
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 3858

Re: Buying Prescription Eyeglasses Online

If you buy from one of the deep discounters, how do you know that you are getting the prescription as ordered by the ophthalmologist? Also, who does the fitting of the frames? I have yet to find ANY pair of eyeglasses that fit on your face the first time that you try it. With online stores like Zen...
by lightheir
Wed Nov 04, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Is a $100 drip coffee machine significantly better than a <$50?
Replies: 57
Views: 4349

Is a $100 drip coffee machine significantly better than a <$50?

My inexpensive Mr. Coffee drip coffee machine is on its last legs, and I am going to replace it with another drip coffee machine. (No Keurig desired as of now!) There's quite a range of machine prices out there - from $<50 to $150+. My Mr. Coffee machine never got the water particularly hot, nor was...
by lightheir
Tue Nov 03, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: Organic Food: Costco vs Trader Joe's vs Local Super market
Replies: 33
Views: 2607

Re: Organic Food: Costco vs Trader Joe's vs Local Super market

Costco does have good prices, but remember - it's pretty much BULK, even for produce. I'm a big eater myself, but even for me, the bulk aspect of the produce is overkill and offsets any price advantages I get compared to TJ's. The even bigger turnoff for me now is the actual shopping experience at C...
by lightheir
Wed Oct 28, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: science fair project ideas requested
Replies: 36
Views: 1997

Re: science fair project ideas requested

ISEF projects are the cream of the crop. :) In junior high, my son wondered why there was no chocolate-flavored gum, so he set about trying to make some for a science fair project. I can state that I had nothing to do with it. :) Yep, they are the cream of the crop, but I'm dead honest to say that ...
by lightheir
Wed Oct 28, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: science fair project ideas requested
Replies: 36
Views: 1997

Re: science fair project ideas requested

I have been a long-time science fair judge and have had two kids do a few projects. My summer interns have done well with projects I supervised. I hate science fairs because the Scientific Method is not really taught by teachers nor used by most of the projects. For those that listed a project in t...
by lightheir
Wed Oct 28, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6285

Re: Bicycle commuting

absolutely not. while i understand i have every legal right as a cyclist to be on the road, that does not necessarily make it a good idea. next time you are in your car look around at your fellow motorists and see how many have eyes down staring at their stupid phones. i ride my mountain bike in th...
by lightheir
Tue Oct 27, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 3858

Re: Buying Prescription Eyeglasses Online

Kind of off topic, but if I were a private equity guy, I'd go to Zenni, invest in more advertising nationally, and take them big-time. When it's a comparison of nearly identically looking and EQUALLY functioning glasses, and the one you get in the retail mall is $400 for the frame alone + $150 for l...
by lightheir
Fri Oct 23, 2015 4:57 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription when you have high deductible plan?
Replies: 30
Views: 1353

Re: How to save on prescription when you have high deductible plan?

It actually is worth calling the pharma company and asking if they have a discount program. Sounds bizarre, but it definitely occurs. My wife was prescribed a med that costed $850/month from all pharmacies. (!!!) We paid it a month, and just assumed we'd max our our HSA quickly. Her MD then mentione...
by lightheir
Fri Oct 16, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16046

Re: Is The Bay Area Worth It?

Chances of Palo Alto real estate tanking are remote. Its the "China PUT" (remember Bernanke put?). Can't say the same about other places of the Bay Area. That's exactly the type of thinking that led to the 2008 housing collapse. From 2008 to 2009, median selling price of a home in Palo Al...

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