Search found 1934 matches

by lightheir
Wed Jan 18, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Popular Mechanics magazine scam
Replies: 23
Views: 2898

Re: Popular Mechanics magazine scam

I got nailed by this pseudiscam myself embarrassingly. I bought running shoes online a few years back and then spontaneously received outside magazine despite not signing up for it. Thought it would stop but it came for a whole year. I didn't get a bill for the year but a renewal request that I thou...
by lightheir
Fri Jan 13, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9190

Re: How much do you typically spend in a restaurant?

I too feel like I hate myself every time I and my family go out to eat, thinking that I can do it cheaper, better, and more healthily, and more time efficiently, by a fair margin. Then I try and be rational about it and see if that's actually a fair assessment given the time and effort I have to spe...
by lightheir
Thu Jan 12, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 937

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

Isn't that what Ziploc containers are for? And the ones with a gasket mentioned before are even better. This is the failing solution I'm using now. Ziplock boxes are TERRIBLE for not only soups, but sauces, even something light 2 Tbsp of olive oil on pasta will leak out all over the place if the bo...
by lightheir
Thu Jan 12, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 937

Recommend a LEAKproof microwavable, fairly decent sized lunch box!

Recommend a LEAKproof microwavable, fairly decent sized lunch box!

All my plastic lunchboxes leak with soup or pasta+oil etc. Really annoying.

A decent-sized one would be appreciated - larger (but not gigantic) is favored.
by lightheir
Tue Jan 10, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for asset protection for 70+yr old inlaws, one with advancing dementia
Replies: 13
Views: 1083

Re: Advice for asset protection for 70+yr old inlaws, one with advancing dementia

All good advice for a very difficult situation, thanks. The main difficulty right now, is that the husband of this pair is mentally 'with-it' most of the time, and would definitely pass all the typical doctor office tests for mental competence to make his own health and financial decisions. That sai...
by lightheir
Tue Jan 10, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Advice for asset protection for 70+yr old inlaws, one with advancing dementia
Replies: 13
Views: 1083

Advice for asset protection for 70+yr old inlaws, one with advancing dementia

I love my inlaws but I (and my spouse) see a looming financial crisis coming up to hit them soon, even though as of now, they're in good financial shape. They're both 70+, and while I don't have all the details of their finances, I know from my wife that they don't have outstanding debts, have paid ...
by lightheir
Mon Jan 09, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7126

Re: Best Ways to Buy Time

Best way I 'gain' (not buy, but same idea) time: I almost only watch TV when I'm on my treadmill or bicycle trainer at home. I'm on 'em a lot! Also, now with Netflix and Amazon, it's easy to download shows to your smartphone, and thus if you're at the gym, you can easily catch up on shows on your ph...
by lightheir
Wed Jan 04, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6458

Re: Affordable home exercise

MY "success" at keeping up (mostly) an exercise program for the past almost 6 years is using the higher quality and multiple choices of equipment at a gym. If I get "bored" with (or otherwise don't want to use) one kind of exercise machine, there is NO financial adverse conseque...
by lightheir
Tue Dec 27, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 10809

Re: At what age, income, and NW would you buy a $50k car?

There's a lot of folks here who would never buy a new car, let alone one for $50k. It's a depreciating asset. But for those that would consider it, under what financial conditions would you do it? Hypothetically, if you were 35, had household income of $400k, and $2M NW, would you drop $50k on a ca...
by lightheir
Tue Dec 20, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 6997

Re: Hard Endeavor/Exercise in Middle Age

Piling on with the folks who say train as hard as you can at age 40+. There's a real age-related slowdown at age 40+, but it's far, far less than the people bemoaning it make it out to be. If you're a marathon runner, it's about a 10 min deficit compared to a spry 18 year old by the Boston Marathon ...
by lightheir
Thu Dec 15, 2016 11:50 pm
Forum: Personal Consumer Issues
Topic: Cycling power meters
Replies: 23
Views: 1891

Re: Cycling power meters

I posted earlier, but as an addendum, to be dead honest, if you gave me the choice which one to keep or asked me which device I found superior for both racing and training, for me personally, the answer is hands down the heart rate monitor. The powermeter is more precise, responds faster, and gives ...
by lightheir
Thu Dec 15, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Cycling power meters
Replies: 23
Views: 1891

Re: Cycling power meters

I have a Powertap hub built into a rear wheel. Got it before pedal-based and crank systems came down dramatically in price. It's been a useful training aid for me, and it's extremely useful if you do a lot of indoor cycling on a trainer (I did that for 2 seasons and it was indispensable for that!) T...
by lightheir
Wed Dec 14, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 40
Views: 2844

Benefits/longevity of more expensive ($300+) mens dress shoes?

I've been a lifelong wearer of mens dress shoes in the $75-$120 range. My current pair is 3 years old and it looks it, it not a good way. Plenty of scuffs that are showing white (it's not leather) and plenty of sole wear. I was wondering if there is any benefit other than the obvious 'better pricier...
by lightheir
Sat Dec 10, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9838

Re: Warning: BH may be hazardous to your financial health

I actually think the biggest legit danger in terms of financial hazard on this site is being too financially conservative and thus missing out on real life-changing positive opportunities because of financial shortsightedness. Note that I wouldn't give this advice to the general US populace, which d...
by lightheir
Thu Dec 08, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3173

Re: Frying pan recommendations

I used to go with the stickless pan for eggs/fish and the cast iron for everything else. After the stickless skillet dies every year (the 'high quality' ones last maybe 1.5 years at best before the nonstick really wears down), I just do it all on the cast iron, eggs and all. It's not as easy to clea...
by lightheir
Thu Dec 08, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3173

Re: Frying pan recommendations

I'm a big fan of the cast-iron skillet. Warning though - if you expect to use and clean it like a typical stickless pan, you'll hate it. But if you take the time to learn about it, it's an amazing tool. Seasoning it is NOT difficult - I rarely do a dedicated seasoning treatment, and 'just cook' to s...
by lightheir
Thu Dec 08, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1514

Re: Books (real or digital)

I have yet to read a digital book. I prefer books and hard covers mostly. Our book shelf behind me has all of Jack Bogle's books (and related Vanguard books) in hard cover and mint! I read them frequently. Digital can't touch that. Are you under the impression that digital books evaporate once they...
by lightheir
Wed Dec 07, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 41
Views: 2414

Anyone still upgrading their PC build? (Not replacing the machine)

Curious - anyone still doing 'upgrade PC builds' here? Not talking about replacing an entire workstation or laptop - I'm talking about things like pulling out lesser and obsolete parts like HDs and motherboards, and replacing them with newer, better ones. If so, what did you do and how long are you ...
by lightheir
Mon Dec 05, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2256

Re: Shoes for flat-footed over-pronators

Anyone with flat feet, overpronation, and stability issues find particular types of sneakers, casual shoes, or dress shoes comfortable? I'm familiar with some Brooks running shoes like the Beast, though I haven't tried the '16. I'm looking for other running shoes to consider. I'm also looking for c...
by lightheir
Sun Dec 04, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1711

Re: Merkur Safety Razor = money saved

Yeah, with how good these 'old-school' razors are, it's amazing to me that Gillette and those brands have used overpowering marketing to essentially erase the concept of this 'simple-but-best' tool in lieu of disposable inferior products that cost a ton more over the long haul. I don't think there's...
by lightheir
Sun Dec 04, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: 32 GB or 128GB storage for a new smartphone?
Replies: 35
Views: 2793

Re: 32 GB or 128GB storage for a new smartphone?

If you really are sure you will NEVER store video (Netflix, amazon to watch on the plane when there's no wifi), and you don't use a ton of apps, then 32GB is fine. THe moment you start utilizing the video download services, you will want more than 32GB for sure. Note that if your phone has a SD card...
by lightheir
Wed Nov 23, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4528

Re: How Much Housing Payment Can a Boglehead Afford?

It's clear I did a horrible job asking my question, so I'd like to start over. I'm not asking for the answer, but rather your answer. What percentage of your income would you feel comfortable spending on a home? What is the tipping point where you would begin feeling uncomfortable? Let's assume the...
by lightheir
Wed Nov 23, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4528

Re: How Much Housing Payment Can a Boglehead Afford?

The advice above is good. Keep in mind - I've seen quite a few people in highly desirable HCOL areas, spend more and stretch it - to GOOD outcomes. As long as you don't completely blow yourself up budgetwise, there are lots of good things that come with many HCOL areas, of some of which are rapid ho...
by lightheir
Mon Nov 21, 2016 1:27 am
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 4186

Re: Computer Backup Ideas

OP here. What is the advantage of using Crashplan as compared to simplifying my cloud set up that I have now? Is Crashplan truly a "backup" where if a file is corrupted I can restore it to a safe version? With modern day computers and Mac specifically, do I need a whole disk backup? MacOS...
by lightheir
Thu Nov 17, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 4186

Re: Computer Backup Ideas

Simply keeping a copy of your data in the cloud or on another device is not a proper backup. If there is a problem in your data (e.g. data corruption) you merely end up with two copies of the same problem. If you don't verify and prove you can restore data from your backup system, you deserve what ...
by lightheir
Thu Nov 17, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 4186

Re: Computer Backup Ideas

Id actually recommend going all-cloud, especially since you're almost all the way there already, rather than going to bigger offline hard drive backups. Using a combo of free and paid backup services works great. I myself use Google docs (free) and Amazon unlimited prime backup (paid, 50ish per year...
by lightheir
Mon Nov 14, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 55
Views: 5686

Re: Products to cope with other drivers' LED headlight

You're probably doing this already, but you can start by tilting your rearview mirror to only see the reflected glare of the cars behind you, and then turn your sideview mirror to point more downward just out of direct view of your sight so rear casr don't blind you there. I can't suggest anything f...
by lightheir
Mon Nov 14, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3924

Re: Drain Cleaner or Plumber for slow drains?

Definitely use the metal 'snake' that you send down the drain. I've had hairballs that none of the chemical drainers can really address. They improve things mildly, but not enough to be a long-term fix. The snake is very easy to use, and reliably pulls up even really thick and wedged hairballs or ot...
by lightheir
Mon Nov 07, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4607

Re: Gaming system for kids?

Don't do it. Get them a library card instead. My brother, sister and my best friend have young kids who have consoles and tablets. The kids are video game junkies fighting over charging cables in the car. Sneaking into bathrooms to play tablet games or watch minecraft videos. It is very very addict...
by lightheir
Sat Nov 05, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10252

Re: How much home can/should one buy?

First I thought I had 'made' it when I realized I really didn't have to worry about the cost of that $5 lunch I got 2x/wk. Next I thought I had made it when I got married. Then the kid popped along, and I've started all over again in 'not-made-it' mode! (A lot less worry this time around though, and...
by lightheir
Fri Nov 04, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4607

Re: Gaming system for kids?

I can't wait until my daughter is old enough to play co-op games with me!

Of course, I'll probably be too uncool for her to bother by the time she's old enough :oops:
by lightheir
Fri Nov 04, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4607

Re: Gaming system for kids?

I can't wait until my daughter is old enough to play co-op games with me!

Of course, I'll probably be too uncool for her to bother by the time she's old enough :oops:
by lightheir
Fri Nov 04, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10252

Re: How much home can/should one buy?

I hear exactly what Klangfool is saying, and yes, it sounds eminently reasonable from a fiscally conservative, safe, standpoint. And yes, a lot of American could benefit from this approach rather than overspending on houses. At the same time, I can say with 100% certainty that in my HCOL area, if I ...
by lightheir
Wed Nov 02, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: e-mail agent
Replies: 19
Views: 1330

Re: e-mail agent

Gmail. Seriously, you and your wife will NEVER have to deal with re-installing and researching software replacements for email with each new computer you buy or each new OS that comes out. If you really, really, need that offline email access, then you'll have to use Outlook, Thunderbird, or other s...
by lightheir
Wed Nov 02, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 3424

Re: Best Ear Buds for Running

Jaybird wireless works well for me on the treadmill or ellipitcal. I have had mine for about one year and they work very well. They don't fall out. I don't wear earbuds when running on the road for safety reasons and have never felt the urge to wear them while trail running. I used Jaybirds for sev...
by lightheir
Tue Nov 01, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6695

Re: Instant oatmeal vs "regular" oatmeal

I'm surprised no one yet has mentioned the significant differences between different versions of oats. Unprocessed oats can go rancid quickly in an oxygen rich environment. These oats have enzymes that go rancid, are unstable, and oxidize. Rolled oats are heavily processed in the US. Rolled oats ar...
by lightheir
Tue Nov 01, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10252

Re: How much home can/should one buy?

I think all the 'rules' are out the window in a competitive HCOL area. I live in a super HCOL area in Norcal, and if you had espoused the BH approach of being very conservative and erring on less-house, you'd likely be priced completely out of the market before you even started unless you were a mul...
by lightheir
Mon Oct 31, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Looking for a simple wristwatch/pedometer
Replies: 19
Views: 1439

Re: Looking for a simple wristwatch/pedometer

I don't use it much but the Google Fit app on my smartphone keeps track of my minutes of activity for various types of movement, walking, etc I'd love to find some device that would count laps for me in the pool. I know I should just do a timed swim but always find myself counting laps. Any suggest...
by lightheir
Thu Oct 27, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a birth certificate?
Replies: 22
Views: 1918

Re: Do I need a birth certificate?

The drivers license and passport superseded the birth certificate pretty much always. However, it's now pretty easy to get one - there's a good online system where you pay about $15, wait a few weeks, and then you will have a legit copy sent to you from the state you're from. I got mine just because...
by lightheir
Thu Oct 27, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10563

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

What better way to increase gifts to charities than for an influential blogger to do it and blog about it? How about having an influential blogger do an excellent profile on those folks who do NOT have tons of liquid income, yet are still contributing regularly, with no advertising or self-creditin...
by lightheir
Thu Oct 27, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10563

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

Just for the record, I'm all for donation, but every time I see stuff like this where a wealthy individual (say, LIQUID net worth north of $2 million) donates a sum of money with a press release or equivalent, I'm pretty unimpressed after I consider the scale of the donation relative to the public i...
by lightheir
Thu Oct 27, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10563

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

Just to put things in perspective if you plan do do something similar - Mr Money Mustasche makes over $400k per year from advertisements on his websites alone. It's in a New Yorker article from earlier this year. Obviously he doesn't spend the vast majority of it given his thriftiness, but it does ...
by lightheir
Thu Oct 27, 2016 4:36 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10563

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

Just to put things in perspective if you plan do do something similar - Mr Money Mustasche makes over $400k per year from advertisements on his websites alone. It's in a New Yorker article from earlier this year. Obviously he doesn't spend the vast majority of it given his thriftiness, but it does h...
by lightheir
Thu Oct 20, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2208

Re: Preferred "disk cloning" software?

You can usually use the software that comes with the new SSD - they work very well.
by lightheir
Wed Oct 19, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 1792

Re: Setting up a Server

I strongly feel that if you aren't running a website or need some very specialized software tools accessed over the web that require server power, you should skip the server and just use proven consumer-level web services to accomplish what you want. Running a server might sound fun initially, but i...
by lightheir
Tue Oct 18, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 1792

Re: Setting up a Server

ALso make sure you consider the security risks inherent in running your own server. Strong passwords are obviously a requirement, but you may have to stay up to date with the latest patches on any server holes that could be exploited by pirates. This isn't theoretical - there are bots that pirates u...
by lightheir
Mon Oct 17, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 5950

Re: How do you analyze your spending? (Where is my money going?)

Mint.com has great reports that summarizes spending habits.

The auto uploaded of cc data works great and us a huge time saver.
by lightheir
Mon Oct 10, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Unplugging Treadmill after every use
Replies: 21
Views: 2092

Re: Unplugging Treadmill after every use

Nope. Never heard of such a thing. Treadmill cords in addition tend to be very thick, short, and heavy, so they're harder to tangle. My Sole F80 cord is pretty untangleable, so I can't imagine why anyone would need to unplug it. Despite the reality that home equipment can often become clothes hanger...
by lightheir
Sun Oct 09, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Surprised at how good 3D PC gaming is without a graphics card
Replies: 10
Views: 863

Re: Surprised at how good 3D PC gaming is without a graphics card

Agreed. A 12 yo game is not really a relevant benchmark. It'll run on win98...What matters is you have the hardware to do what you want. Now back to Witcher 3 :beer I think THIS 12-year old game is a relevant benchmark for those like myself and other BHers who don't NEED the latest and greatest sup...
by lightheir
Sun Oct 09, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Surprised at how good 3D PC gaming is without a graphics card
Replies: 10
Views: 863

Surprised at how good 3D PC gaming is without a graphics card

I know all you gaming enthusiasts out there will likely already have dropped the cash for a Geforce or Equivalent dedicated graphics card to run the latest and greatest 3D-intensive games out there, but for the majority of you/us who do NOT have dedicated graphics cards, here's my pleasant experienc...

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