Search found 2232 matches

by lightheir
Mon May 07, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5957

Re: How much car to buy on $250K income, $200K NW, newborn on the way

abracadabra11 wrote:
Mon May 07, 2018 8:09 pm
Surprised by the high bias here.
I would aim for $15-20k.
$15k is def in budget econobox territory for new. We aren't going high at all!
by lightheir
Sun May 06, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7913

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by lightheir
Sat May 05, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 5037

Re: What do you pay baby sitters?

Hcol 20-25 per hour for one really well behaved kid.

Seriously, at these rates I don't know why all the young women out there working restaurants and secretary gigs don't just up and grab this easy money instead.

If I don't pay this much, the sitter invariably flakes out when you need them most.
by lightheir
Fri May 04, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2099

Re: Car rentals, what is the catch?

All these replies and virtually no real comment on what the actual "CATCH" is of these super-lost cost places by anyone. Having used a few, there definitely are real catches that you have to be aware of, and which in my opinon, make it well worth it to spend the 'normal' amount and go Hertz or other...
by lightheir
Fri Apr 27, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 5756

Re: How can I get a passport?

I just did this for my 7 year old daughter. You DO have to do it in person for the daughter, and if one parent can't make it, you have to get a notarized form (on their website) to document that you approve. At least where I live, I was able to schedule an appt online for the local post office, so i...
by lightheir
Tue Apr 10, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38076

Re: Name something you bought that wasn't cheap and glad you did

Home x1000. Bought in the insanely priced SF Bay area at the low. I wish I could say I was prescient, but I nearly talked my wife out of buying, so I can take no credit. :oops:
by lightheir
Tue Apr 03, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2964

Re: Health club memberships

That BCBS was a very good deal. I have many, many YMCA clients and they average $50-$70 per month for a single adult membership (visiting different locations). If I were you, maybe search out a club that is near your work or home and get pricing. There are multi-access memberships such as ClassPass...
by lightheir
Sun Mar 25, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Google Drive & iCloud Drive
Replies: 11
Views: 751

Re: Google Drive & iCloud Drive

I also find it sheer paranoia the number of people who are afraid to upload -gasp TAX RETURNS, gasp OLD FINANCIAL STATEMENTS - because someone MIGHT IMPERSONATE ME! No WAY!!!! Seriously, get over yourselves. Nobody wants your boring tax returns, nor do they care one bit about your old financial stat...
by lightheir
Fri Mar 23, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Does the value of my home matter?
Replies: 21
Views: 2789

Re: Does the value of my home matter?

You definitely will want your home to not lose a lot of value after you buy it

A big reason - you will be locked out of refinancing your home loan if your house is worth less than your loan.

Also, more obviously, as mentioned above, it makes it harder to move/relocate if needed.
by lightheir
Wed Mar 21, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: We made the right decision to not purchase a home now, right?
Replies: 47
Views: 4114

Re: We made the right decision to not purchase a home now, right?

There is no perfect answerhere. Renting cheaply is great, especially at your 540 rate which us ridiculously low to me. Buying carries real risk, but as a primary residence, has huge benefits as well as limitations. I find that on bogleheads, foka are very conservative financially which is fine, but ...
by lightheir
Fri Mar 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5125

Re: Bicycle Commuting in LA - Thoughts?

@GCD - I see your point, but I still don't think you have the scenario completely right. As a good bike commuter, you will control your riding environment to a great degree - choice of road (safe side roads, etc.) and time of day (early), and skill are all huge factors. It could even be argued that ...
by lightheir
Thu Mar 15, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5125

Re: Bicycle Commuting in LA - Thoughts?

There are some very enjoyable rides in LA, and they are much safer earlier in the morning if you want fitness rides. There are many great groups to ride with which is much safer. Once your fitness level increases I highly recommend riding Mandeville which is off Sunset. Speaking of Mandeville: http...
by lightheir
Wed Mar 14, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3088

Re: Tips on saving on living expenses for a first time single householder

I got some tips for you, hopefully they'll be helpful! - Learn to cook. SIMPLE things, don't go out and try to be some awesome star chef. If you can make SIMPLE meals, you will save a lot on food and time. Simple like buttered pasta with parmesan, or black beans and rice, PB&J, etc. It'll be health...
by lightheir
Wed Mar 14, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3088

Re: Tips on saving on living expenses for a first time single householder

I got some tips for you, hopefully they'll be helpful! - Learn to cook. SIMPLE things, don't go out and try to be some awesome star chef. If you can make SIMPLE meals, you will save a lot on food and time. Simple like buttered pasta with parmesan, or black beans and rice, PB&J, etc. It'll be healthi...
by lightheir
Tue Mar 13, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5125

Re: Bicycle Commuting in LA - Thoughts?

Don't listen to everyone saying to commute with bicycle. LA is not the place to be riding a road bike. I used to be an avid cyclist ($5k on a bike and rode 200 miles per week) when I lived in NY. There were plenty of roads in Westchester and Long Island that were relatively safe to bike on. Even pa...
by lightheir
Tue Mar 13, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5125

Re: Bicycle Commuting in LA - Thoughts?

Find thyself a bike route. Explore on Google maps. Get thee a mountain or cross bike. You can go across grass, curbs, gravel, etc. Almost all car bike accidents are road bikes. Riding on the roads. A mountain bike will be a solid base and you can ride more upright, see better with head up, and take...
by lightheir
Mon Mar 12, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5125

Re: Bicycle Commuting in LA - Thoughts?

I live in the LA area. I would only consider biking if the route had dedicated bike lanes. Otherwise, you will become a statistic at some point. I bike commuted in the UCLA area for 4 years. Honestly, it's all about finding the right time and right route that is safe and convenient on a bike. Not a...
by lightheir
Fri Feb 23, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5351

Re: Boglehead Flashlight?

This $25 Terralux flashlight is every bit as good as the pricier $30 2 x AA LED flashlights listed above, including the one recommended by the Wirecutter. I've had mine for 7 years now, and it's just as good as when new. It uses the same CREE-LED technology that all the top LED lights use now in thi...
by lightheir
Thu Feb 22, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5351

Re: Boglehead Flashlight?

If you haven't bought a flashlight in 29 years, you'll be shocked at how much brighter and every efficient they are now. Like 10x better in some cases.

Look for a cree led bulb light, can't go wrong and is very reasonably priced. The bulbs last basically forever to you will never need to upgrade.
by lightheir
Sat Feb 17, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11637

Re: What has been your most important skill in achieving financial independence?

Hate to say it, but saving and sheer frugality to good amounts of saving has been terrible compared to significant increases in income. Remember that if you are super frugal, it becomes difficult to find a partner who may be willing to mtach your level of frugality. Especially while dating - are you...
by lightheir
Fri Feb 16, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 4055

Re: used Prius

Most times I get behind a Prius on the interstate my commute extends by 5 minutes. Get one that moves faster. Wanna really move fast? Get in line behind a Prius at the gas station. :D This is actually true. My Prius fuels to full in half the time of most cars, my wife's similar sized Audi included....
by lightheir
Tue Feb 13, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9872

Re: Job is starting to suck the life out of me.

I'll also add that you gotta count your blessings as well. As someone above mentioned, have a paycheck at all beats the pants off of having zero paycheck and zero offers. As well, an 'indifferent' environment beats the pants off of a toxic and abusive environment. There are quite a few folks trapped...
by lightheir
Mon Feb 12, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 2667

Re: Mesh wifi solution sought for new house

Just get a 3-pack Google wifi, or 3-pack Orbi, or even one of the other current-gen mesh network units. Just using this setup alone has a 90% chance of covering all of your needs completely, the first time out. So, you’re suggesting one unit per building? The two other buildings are pretty far from...
by lightheir
Sun Feb 11, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 2667

Re: Mesh wifi solution sought for new house

Just get a 3-pack Google wifi, or 3-pack Orbi, or even one of the other current-gen mesh network units. Just using this setup alone has a 90% chance of covering all of your needs completely, the first time out. In the small chance that it's not reaching where it is supposed to, just buy a 4th unit (...
by lightheir
Sat Feb 03, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4945

Re: Life Balance of spending and saving

Get the pool. With 4 kids you will love it.

No need for you to penny pinch in your good financial situation. You only live once!
by lightheir
Fri Feb 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9108

Re: WHY do wireless routers need periodic reboots?

This thread needs to end. If you're dissatisfied with your router because of reboots, etc., just get a Google wifi, orbi, or other "mesh" router. /endthread. And yes, I've owned quite a few routers that needed rebooting, including hi-end ones prior to the Google wifi. This thread would never even ex...
by lightheir
Mon Jan 22, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6770

Re: Work-out schedule for those in 60s

63 retired male here. I keep it very simple. Every day I either run 6 miles on the beach or 8 miles on a hill course with +- 1000 ft elevation gain and loss. Also every day, I do a circuit on my Vectra On-Line 1800 weight machine to muscle failure - takes about 20 minutes. Now occasionally it rains...
by lightheir
Fri Jan 19, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4002

Re: How do you adjust side mirrors in a car?

Someone probably mentioned it, but a $5 blind spot mirror from Amazon will instantly cover your blind spot and let you use the mirror whatever way you want otherwise. Works great.
by lightheir
Fri Jan 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 2030

Re: Learning Swimming @ 40+

It will be no problem. It feels impossible at first, but you will get the hang of it and be able to swim surprisingly long distances within several months. ANd it's fun to learn! I did this myself at age 35. I found that getting across the pool to do laps didn't take me that long at but it never fel...
by lightheir
Tue Jan 16, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3352

Re: Any high-end skincare products worth it?

Ask your dermatologist about any derm-approved high end skin care products. I think you'll be surprised with their lack of suggestion. The main thing a good dermatologist recommends is el-cheapo Petroleum jelly for booboos and small things like that (not cosmetic). Most of these high-end products ar...
by lightheir
Tue Jan 16, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14893

Re: What is the best home exercise equipment?

Once last thing to consider for all the younger folks and folks who still have decent joint integrity: It is not necessarily a bad thing to load-bear on your joints. It's hard to study, but most of the long term observations on runners and sedentary folks suggest that moderate running actually HELPS...
by lightheir
Tue Jan 16, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14893

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. There's also add-ons such as sauna, swimming pool, basketball court, class...
by lightheir
Tue Jan 16, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10825

Re: Besides Bogleheads, What Are Your Favorite Forums?

I gotta admit - I like the BH forum, but I also know full well I'm only going to get the 'MAINstream' viewpoint on anything here, and one that's nearly as risk-averse as possible. To me, that almost takes away the whole point of a forum, which is where you might go to get a niche or very specialize...
by lightheir
Tue Jan 16, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10825

Re: Besides Bogleheads, What Are Your Favorite Forums?

I gotta admit - I like the BH forum, but I also know full well I'm only going to get the 'MAINstream' viewpoint on anything here, and one that's nearly as risk-averse as possible. To me, that almost takes away the whole point of a forum, which is where you might go to get a niche or very specialized...
by lightheir
Mon Jan 15, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14893

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. There's also add-ons such as sauna, swimming pool, basketball court, class...
by lightheir
Mon Jan 15, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14893

Re: What is the best home exercise equipment?

Never buy any budget or even mid-range treadmills, rowers, spin bikes or ellipticals, especially not if you are over 200 lbs. Concept 2 is the only game in town for rowers. Premium treadmills or ellipticals from Cybex or Precor are generally only meant for commercial gyms, but anything else is usel...
by lightheir
Sun Jan 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14893

Re: What is the best home exercise equipment?

+1 for a treadmill for the winter, bikes are okay, elliptical seems like unnatural motion but easy on the joints A rack, barbell, plates, and a bench are the best for working out (you don't have to be a young man to do it). The Deadlift, Squat, Bench Press, Row, Dips, Curls, Pull-ups, Chin-ups, Lat...
by lightheir
Sun Jan 14, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 5144

Re: Almost a pathological fear of debt, to my detriment?

Off topic here, but I honestly believe housing prices are partly insane because of mortgages, which are a 'social accepted' means of financial engineering. In a world where mortgages would be illegal, housing prices would be farrrr lower than what they are now and much more reasonable to fully pay o...
by lightheir
Sat Jan 13, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3152

Re: Will never not upgrade Business travel again

I'd also do it for long flights over 2 hrs for $100 each way.

Unfortunately, usually when I want to upgrade, it's like $350+ each way to upgrade!
by lightheir
Sat Jan 13, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2046

Re: wireless dead again - router suggestions?

There are tons of posts will lots of thumbs up for the mesh-networks systems - Google wifi, Orbi, etc. I posted before, but I was using a hi-end Netgear router as well, couldn't reach my garage and also flaked out from time to time. I got so annoyed I got a Google wifi afterwards, and it's literally...
by lightheir
Fri Jan 12, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1529

Re: Storing Important Documents Online

I have had a digital archive for 12 years now and it's been great. Easier and easier with every year it seems as more and better services pop up. Cloud storage has proven particularly effective against obsolescence and getting lost.
by lightheir
Fri Jan 12, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 5144

Re: Almost a pathological fear of debt, to my detriment?

I too, hate debt. I will counterpoint the good advice above, that there is a small percentage (and it is SMALL!) that can use debt to their advantage, and leverage their way to big money. People starting businesses, and getting lucky with real estate are just two of the examples, and I know folks wh...
by lightheir
Fri Jan 12, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 3026

Re: Keeping sensitive documents in the cloud -- bad idea?

There's a lot of panaroia and nuts about computer security. Sure, you have to take precautions, but be reasonable about it. The odds of someone successfully impersonating you do to a sophisticated hack into your accounts is farrrrrrr lower than the criminals going after the credit card repository of...
by lightheir
Thu Jan 11, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 71
Views: 4376

Re: Poll: BHs who rent - what % of gross do you spend on rent?

When I was renting, I spent 40% of my gross on rent in LA. It wasn't unusual down there. It always depressed me to hear how many BHers said <25%. I'm making more money now, but I still spend nearly the same amount on mortgage! :oops: And despite what all the naysayers say, everything has worked out ...
by lightheir
Wed Jan 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4594

Re: Men's no iron dress shirt recommendations

I have had very good luck with Stafford brand. I think I get them at JC Penney's or Macy's, can't remember which. Dry them on the gentle/wrinkle free setting and take them out while spinning for best results! I have also learned to keep the neck buttoned in the dryer to avoid those burnt stains fro...
by lightheir
Sat Dec 30, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7803

Re: The Economics of a new Puppy

Honestly, food is so cheap for dogs you probably won't even notice it.

Vet bills, evern routine check-ups are $$$

Boarding is also $$ if you want to travel.
by lightheir
Fri Dec 22, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12216

Re: Any Instant Pot users here?

My Japanese-American wife agreed to give the Instant Pot a try and put the rice cooker away. This was a major concession, as we've had a rice cooker on our kitchen counter for the 30+ years we've been married. Although we like the Instant Pot, we still haven't found the magic combination of water/r...
by lightheir
Fri Dec 22, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2243

Re: Recommend me a good laser printer for a chromebook!

Do any of you folks recommending the Brother printers actually own or use them regularly with a chromebook setup? I actually already own a Brother wired printer for PC (like 12 years old now!) and it works great for me, but I did check online the items and others listed above and if you look specifi...
by lightheir
Thu Dec 21, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2243

Re: Recommend me a good laser printer for a chromebook!

Do chromebooks even allow USB printing by default? I thought they didn't, but I don't own a Chromebook, so I definitely do not know for sure. I will be there over the holidays to set up the chromebook-printer pairing, which should hopefully be no problem for me. (I use google cloud print myself at h...
by lightheir
Thu Dec 21, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2243

Recommend me a good laser printer for a chromebook!

I am looking to buy a laser printer to pair with a new chromebook. This will be a gift for a mother-in-law in her 70s who is extremely NOT proficient with computers. She actually has a WIndows10 laptop right now, but is so intimidated by it that she only does basic web surfing on it. I know there ar...