Search found 2012 matches

by lightheir
Mon Jun 26, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 58
Views: 4008

Re: Bay Area housing

Whenever people post in the other forums about whether or not it's a good time to invest in the stock market or if they should empty out their 401k's because they think there's a market crash, most Bogleheads correctly respond that making predictions in this field is folly and a fool's errand. The ...
by lightheir
Mon Jun 26, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 58
Views: 4008

Re: Bay Area housing

Whenever people post in the other forums about whether or not it's a good time to invest in the stock market or if they should empty out their 401k's because they think there's a market crash, most Bogleheads correctly respond that making predictions in this field is folly and a fool's errand. The ...
by lightheir
Sat Jun 24, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 58
Views: 4008

Re: Bay Area housing

Yes, it is true that people could cash out and make $1000000 or more very quickly in this hot Market if you are a current home owner who is willing to relocate. I also think it speaks for itself and to the value of the region as a whole that people in general do not cash out as quickly as they can i...
by lightheir
Sat Jun 24, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 58
Views: 4008

Re: Bay Area housing

I hate to say it but it is true - pull the trigger asap. I tried to go boglehead conservative in 2010 and fought my wife hard to not buy a bay area home in the downturn. I was completely wrong. It's been 7 years now and even the 10 or more yrs before that there were no 'reasonable' priced times to b...
by lightheir
Wed Jun 21, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6161

Re: is luxury car a smarter purchase?

dm200 wrote:Other might comment, but maintenance/repair costs for many "luxury" vehicles are higher.


Yes, this is definitely true. You are in for a rude awakening of you think you will get discount parts and service even for a 20 year old luxury car.
by lightheir
Sun Jun 18, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1140

Re: Office Chair

I'm going to take a different tack.

I bought a $700 new office chair on bobblehead advice for long term use.

It's a perfectly good chair but I wouldn't spend that much again. My $100 cheap chair is plenty good.
by lightheir
Fri Jun 16, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 90
Views: 7702

Re: Worth it to buy expensive clothes?

No, not since Syms closed. I loved Syms. It was a great store. Will I ever buy a suit for $ 400 or sports coat for $150 worth a multiple ? Not after Syms closed. I used to buy 12 suits a year. Since they closed I have not bought a suit. Six years later I am still in mourning. https://en.wikipedia.o...
by lightheir
Fri Jun 16, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2480

Re: Need WIFI repeater or second router Advice

I used a wifi repeater (very good one, $100+) with so-so results in my house. Dunno why, but it would work terribly about 20% of the time - didn't know if it was weather, etc. I have since switched to the Google mesh network system with 2 pods, and it works flawlessly 100% of the time - the signal i...
by lightheir
Tue Jun 13, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2273

Re: Watch Batteries

It depends how nice your watch is. If it's not an important watch to you, consider going battery-solar. I had the same problem you had for years, but I don't mind wearing cheap digital watches, so I found a Casio "Tough Solar" watch, and I haven't had any battery issues whatsoever in the 3...
by lightheir
Mon Jun 12, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 241
Views: 27591

Re: Good Modern Science Fiction

Kind of an aside, but I just finished China Mievelle's book "October." If you've heard of China mievelle, he's known as a highly experimental sci-fi writer, and his scifi stuff is weird but very interesting. In "October", though, he detours completely and gives a shot at nonficti...
by lightheir
Sat Jun 10, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7835

Re: College admissions question - she got a "C"

I thinks it's fine. In fact, with the correct attitude, if she can be 'cool' about having an isolated "C" in an otherwise excellent grade-resume, she can parlay that to a positive process during interviews if they ask about that "C" that she was taking the time to explore other t...
by lightheir
Wed Jun 07, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3177

Re: Suit for residency interviews

If you want the cachet of Nordstrom's, that is fine, of course, but you can often find brand name suits at T.J. Maxx, Marshall's or Burlington, not to mention Steinmart, that are the same quality and brand. If you are neatly dressed in a well-fitted, appropriately colored suit with a nice tie, any ...
by lightheir
Wed Jun 07, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3177

Re: Suit for residency interviews

A $100+ tie is worth it in this situation. There is such a thing? A $100 tie? Are the silk worms fed champagne and caviar? I have no experience in the medical field, so I probably shouldn't comment, but a thousand dollar suit and hundred dollar tie seem like overkill for someone who is just getting...
by lightheir
Wed Jun 07, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3177

Re: Suit for residency interviews

Good advice from the above. I would again, reinforce the following important guidelines: 1. Doctors are conservative. Even if they personally aren't, they understand how important it is for the public it is to perceive them as such. So do Not choose nonstandard suit colors or design (like a white ca...
by lightheir
Wed Jun 07, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 2558

Re: Article: Compare ROI of college education vs S&P500

What about option #3? Get a full time job that pays for your college education! Yes, I know my situation is rare :P I'd say this is terrible advice for the typical 18-yr old college-bound person today. If you have enough time to work an 8hr legit workday that pays enough to cover the typical $30k+ ...
by lightheir
Mon Jun 05, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 2558

Re: Article: Compare ROI of college education vs S&P500

What about option #3? Get a full time job that pays for your college education! Yes, I know my situation is rare :P I'd say this is terrible advice for the typical 18-yr old college-bound person today. If you have enough time to work an 8hr legit workday that pays enough to cover the typical $30k+ ...
by lightheir
Mon Jun 05, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 2558

Re: Article: Compare ROI of college education vs S&P500

chasing the dollars above all in terms of your life career choices is usually a poor decision The article reinforces this point, right? They suggest that if you have the cash to go to college you but would prefer to do something else then that's fine. Just invest your cash in the S&P500 and the...
by lightheir
Mon Jun 05, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 2558

Re: Article: Compare ROI of college education vs S&P500

I find these articles silly and almost pointless. As much as I understand the importance of keeping an eye toward future revenue-producing career as you go to an undergrad institution, chasing the dollars above all in terms of your life career choices is usually a poor decision unless you're very lu...
by lightheir
Sun Jun 04, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1519

Re: New laptop needed, any ideas?

Is there anything wrong per se with your laptop? Something specific that its failing/inadequate at? You might be surprised that a 7-yr old full laptop works as well as a cheaper modern Chromebook while tethered. I'm using a 6-yr old laptop right now - it had some internet connectivity issues with re...
by lightheir
Tue May 30, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5194

Re: Do I deserve it? [A new car]

Agree with posts above in that you can purchase a new car, but it's probably not prudent to spend $35k unless you're a real car buff and will be spending a lot of time detailing and tinkering with it. For <$20k, you can get some pretty awesome entry-level cars. Heck, I'm nearing the prime of my care...
by lightheir
Tue May 30, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10788

Re: Updates on the status of Linux

I've commented on this thread before, but just another update of my opinion - I recently installed yet another Ubuntu Linux on my aging laptop. I only planned to use it for light browsing, as per a Chromebook. I will happily say that it works extremely well for this kind of internet use. Note that t...
by lightheir
Fri May 26, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4779

Re: Risks of electronic access

While the OP's concerns are legit, the reality is that electronic banking is so prevalent and routine that you are only giving yourself the only a small partial improvement in online security from hacks by disconnecting all your online services. The reality is that taking care of your end responsibl...
by lightheir
Tue May 23, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Should I get a dual-action polisher for my working car?
Replies: 18
Views: 1270

Should I get a dual-action polisher for my working car?

Hoping to pick the brains of all the car enthusiasts/detailers out there. I'm NOT a car detailer/enthusiast. I park my car outdoors where it gets regularly dirty from trees and birds and pollen - there is no hope of have a showroom-level detail last, so I'm not even gonna try. Furthermore, my car is...
by lightheir
Tue May 23, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 4200

Re: Has anyone tried Orangetheory Fitness

The main reason something like Orangetheory can work, and work well, is that the reality that the vast majority of people who are members in a 'traditional' gym barely go more than once per month. That's why outfits like Ballys can still keep people on at the grandfathered rates of <$20/month and st...
by lightheir
Mon May 22, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 4200

Re: Has anyone tried Orangetheory Fitness

I'm very self-motivated and don't use paid classes like crossfit or orange fitness, but I would say that it sounds like the right way to go even at $140 /month if you actually go and workout hard at all the classes because of the setup. Most folks pay close to that much for a typical nice gym member...
by lightheir
Sat May 20, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3426

Re: Bad experience with 'rescuing' a lost dog

OP here. Great comments, above, thx. As a clarification - my friend was in the park on Sunday. He brought the dog initially to the park ranger, who told him he had seen the dog for several days and assumed it was a lost dog for that reason. The local animal shelter was also apparently closed that we...
by lightheir
Sat May 20, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3426

Bad experience with 'rescuing' a lost dog

I just had a bad experience with 'rescuing' a lost dog. A friend of mine went to a park about 2 hrs from our neighborhood last week, and he and his daughter came across a dog with no collar. They looked for the owner, but none was to be found. They then took it home, anticipating taking it to a shel...
by lightheir
Fri May 19, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 5647

Re: Opticians: is there any difference in quality of Costco glasses?

I just received possession of a new set of prescription sunglasses purchased at Costco. They have progressive lenses with polarization, antireflective coating, and light- adaptive tinting. Cost of the lenses was $160, total cost including frames was $225. In addition, they won't give you any static...
by lightheir
Tue May 16, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Amazone prime - took over a month to receive, so check the arrival date!
Replies: 6
Views: 1288

Amazone prime - took over a month to receive, so check the arrival date!

I know this has been discussed before, but I'm throwing it out there again as the situation has seemed to significantly worsen since the last time I saw this topic discussed. I recently put in two separate orders on Amazon prime. The main reason I ordered it was specifically because it was marked &q...
by lightheir
Thu May 11, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7525

Re: How do Bogleheads buy cars?

Second is a 2006 Honda Civic - has about 110k miles and my husband drives it. (11 years so far, paid off in 2009 - I fear this one will not last as long because my husband drives very, very aggressively and angrily) Isn't this how all wives describe their husbands' driving style? :D Not me! My wife...
by lightheir
Fri May 05, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1099

Re: Does Your Doctor Take Funds From Drug Companies?

I'm pretty sure it's illegal for physicians to get paid directly by pharma for pushing or substituting their drug in favor of the (cheaper) ones. It's also illegal to take big (or even significant) gifts in exchange for such actions. It's still legal though to give them samples, or try and sway thei...
by lightheir
Thu May 04, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3055

Re: Consumer Reports

I find Consumer Reports essentially useless in today's modern era. In a world where information is literally at your fingertips everywhere you go, and reviews of products by users abound, consumer reports always lags the field. For example - If consumer reports rates a particular product very highly...
by lightheir
Wed May 03, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12571

Re: Cost of car compared to Gross Income

When I bought my car, it was over 60% of my income at the time. And it was for a average-spec Prius, not a luxury car. I suspect the majority of people I know did the exact same thing, contrary to all the "10%-15%" figures being thrown about above like it's average. I am also highly skepti...
by lightheir
Sat Apr 29, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2345

Re: Wrist based heart rate monitors

The optical technology in the wrist based HRM is legit - but the problem is that the wrist is a poor area for optical HR detection, unfortunately. An arm-based sensor like the Scosche Rhythm+ armband can be mounted on the upper arm and works extremely well - better than my chest strap, and much more...
by lightheir
Fri Apr 28, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Anyone use independent rental car insurance
Replies: 15
Views: 915

Anyone use independent rental car insurance

I am sick of getting the runaround at the rental car, with them pushing endless amounts of optional insurances and making me go through the ringer if I decline them come even if I show my own proof of insurance for most of the time, they insist that they cannot rent me a car without me purchasing on...
by lightheir
Tue Apr 25, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

Full autonmoy - a car with no steering wheel I think is at the very least 20-25 years away maybe even more unless quantum computing takes off and can be applied very easily. Once a communication standard is appied for self driving I do believe that self driving cars are much safer than humans for t...
by lightheir
Tue Apr 25, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

Everyone can always come up with horrible 'what-if" catastrophes for automated driverless cars. And some of them will actually occur, and we will be powerless to stop it. But what will be the correct response when you tally the figures and see quite clearly that driverless cars cause a tremendo...
by lightheir
Wed Apr 19, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 3113

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Unfortunately, reason doesn't seem to matter for the current insane billing practices that are totally legal. My last visit to my local ER, I went to my local in-network ER that is only a few miles from my house. (Fortunately, I could drive myself there.) Was seen by an ER doc there. At the 'in-netw...
by lightheir
Mon Apr 17, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: how much is reasonable amount to spend [on gymnastics]
Replies: 42
Views: 3346

Re: how much is reasonable amount to spend [on gymnastics]

Sounds like she's doing fine. Still, as you do know, caution is still important for high achieving kids. My parents for sure looked at my successful pretty much self-driven achievements and could easily say "what did I do wrong? He was just SO motivated, and was able to do well at a lot of thin...
by lightheir
Mon Apr 17, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: how much is reasonable amount to spend [on gymnastics]
Replies: 42
Views: 3346

Re: how much is reasonable amount to spend

My daughter is 11 and studies piano, violin, ballet, modern, and swimming. She is also a top student in a well regarded private school. Honestly, we pay a lot for her to do these things. Her activities are about $1,000/month and private school is another $25k/year. It's worth it to us because she i...
by lightheir
Mon Apr 17, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 2818

Re: Doctor fees - Insured vs uninsured patients

I've seen the rate vary a lot. At all the hospitals I've worked at, the uninsured rate unforunately seems to be multiples times HIGHER than the insured rate. I think this is a huge source of personal bankruptcies, at least it was the last time I read about it. In non-hospital (outpatient) settings, ...
by lightheir
Sun Apr 16, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 24
Views: 2254

Re: Budget multitool knife

I got a nonbudget Leatherman as a gift.

I'm not a big home tool guy but I do know good tools since I work on bicycles for fun and the Leatherman is a top notch quality took.

Not budget though!
by lightheir
Fri Apr 14, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 6351

Re: Anyone else decided not to finish med school?

More common unfortunately, are people who forced themselves to finish med school despite hating it early on, and then forcing themselves into a career that they dislike vehemently. They get bitter about it, and it shows with their relations with patients, spouses, and kids. Very sad, but not uncommo...
by lightheir
Wed Apr 12, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 10
Views: 1214

Car waxing/sealant for a newb (not for high level detailing)

I park my 2010 Prius outdoors on the street, under a bunch of trees. The trees drop pollen, some wax (not a ton) on it all the time, so there's no way I'm going to be having a pristine car exterior, ever, esp with this 7-year old vehicle. I've realized recently after ignoring my car exterior forever...
by lightheir
Sun Apr 09, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 1694

Re: More Zenni Optical Questions

Youre still getting a steal of a price compared to anything out there. It's your addons that are pumping up the price. Go to your local retail outlet, and you'll get a quote 10x (literally) what Zenni is asking for all those addons on top. The <$40 Zenni glasses are for no fancy add-ons. But at Zenn...
by lightheir
Fri Apr 07, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5933

Re: Help on how to spend more on myself (First World Whine)

First let me get this out of the way, this is a first world problem, probably a first world plus problem but I am still interested in the wisdom of the BH. Let me say I am not frugal nor have I ever been or wanted to be frugal (watched my mom and thought it was sad) but I have trouble buying things...
by lightheir
Tue Apr 04, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2230

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

I've used the full range of moving services, as I had to move 10 times in 10 years for job training reasons. I will definitely say you get what you pay for. You can get supercheap services for almost nothing on Craigslist, to concierge service-level for $$$, and everything in between. Having now don...
by lightheir
Tue Apr 04, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 9465

Re: What career helped you become wealthy?

OK, I'll nibble. Personally, at 70+, I have made it to 8 figures but still a long way from 9 figures. Surprisingly many of my childhood buddies seem to have done similarly. I also have a very small handful of friends from childhood who have made it to 9 figures and a couple even to 10 figures. What...
by lightheir
Sat Apr 01, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 5004

Re: Buying Sunglasses

I will add that almost all RETAIL optical and sunglass shops are owned by a single monopoly - Luxottica. They own almost everything for in-store retail optical, and thus charge monopoly prices for the frames and lenses sold there. So you'll get in effect price gouged when you shop at Sunglass Hut an...
by lightheir
Thu Mar 30, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4614

Re: Is the secret to getting wealthy...

I think it hugely depends on what you define as 'wealthy.' Some folks define wealthy as having enough to cover expenses & save reasonably for retirement. I think most BH-ers fit in this category. Living below your means will get you here, almost regardless of your job income. Other folks think t...

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