Search found 2182 matches

by lightheir
Fri Dec 15, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: To buy or not in the SF Bay Area (yes another one)
Replies: 24
Views: 2298

Re: To buy or not in the SF Bay Area (yes another one)

I would advise to rent BUT (!!) - I bought, and literally everyone I knew who bought and stayed for more than 3 years, did great. THe housing prices here are always nuts - they've been saying how nuts it is for decades now and there is no relief in sight. I would however only buy if you are not sacr...
by lightheir
Thu Dec 14, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Looking for an ultra-simple note taking app (Android)?
Replies: 12
Views: 524

Re: Looking for an ultra-simple note taking app (Android)?

Google keep. There is no reason to use any other, unless you are anti-google. Super simple, syncs with your PC flawlessly, can share notes easily with friends, and is baked into Android.
by lightheir
Mon Dec 04, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

I would highly encourage you to ditch MS Office if possible and go Google docs (my pref) or open source free apps. The benefit of Google docs is that it's free, autoupdates, and syncs well so you will never have this 'buy MS Office yet again' issue even if you get 3 more computers or upgrade down t...
by lightheir
Mon Dec 04, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11232

Re: After financial independence, do you lose motivation for work?

I lost my motivation to "work". But that's because my sole reason for work was money. Once attained, the reason was removed and thus what was left was "work" without reason and who is motivated to do that? For those that say they haven't lost their motivation, they likely had an alternate reason fo...
by lightheir
Mon Dec 04, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

That’s helpful. Thank you! I have a Google Drive with extra storage, mostly used for photos. Can buy more as needed for other docs. I see now that I can upload those Excel and Word docs to Google Drive and access them through MS Office cloud. I currently use an iPad with a keyboard. If I’m just goi...
by lightheir
Mon Dec 04, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

Surprising, but no comments about securing your local data. My financial life is on my PC, everything from 24 years of detailed Quicken transactions, tax returns (mine and my parents'), bank, brokerage, and credit card statements, charitable records, etc., along with decades of archived email. I've...
by lightheir
Sat Dec 02, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 1421

Re: Hard time deciding how much to spend on rent

I don't think spending 17% of gross on housing is excessive at all. I was easily over 35% during my ages 25-32 for renting housing.

I would even push that up to 50% (!!) if it meant avoiding a 2hr each way commute
by lightheir
Fri Dec 01, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2279

Re: Considering Building Gaming PC - Good Builds/Price Points?

CyberPowerPC sells some pretty good PCs on Amazon. $720 budget PC with spec: i5 7400 AMD RX 580 8GB RAM 1TB HD Wifi Windows 10 $1599/$1799 Gaming PC with specs: i7 8700K GTX 1080 / GTX 1080Ti 16GB RAM 240GB SSD + 2TB HD Wifi Windows 10 I don't think you can build these PCs with these prices. Actual...
by lightheir
Fri Dec 01, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2163

Re: For Musk, an Energy Feat the Size of a Football Field

I can't see how anyone can call Musk a snake oil salesman. He's delivered the goods on not one, but MULTIPLE pioneering fronts, all with industry-changing standards. If any CEO/tech leader was able to deliver ONE of his technologies in the way Musk has, that leader would be hailed fairly as a world-...
by lightheir
Thu Nov 30, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5075

Re: failing at hobbies and leisure

Is mensa really meaningful? I have this stereotype that they're overly anal about their scores and super arrogant/cocky about it. Im imagining a super nerdy version of myself who is a programmer or actuarial who loves everything but people and wants to act special because of a high IQ I know this i...
by lightheir
Tue Nov 28, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2279

Re: Considering Building Gaming PC - Good Builds/Price Points?

I was literally about to build a $1000 gaming PC (I asked the same question on this forum 2 months ago!) and then suddenly my old-school X360 died in the middle of Witcher 2. Red light of death. I was surprised how much I missed it, so I ended up getting a Xbox S One 3 weeks ago. I gotta admit, that...
by lightheir
Mon Nov 27, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5075

Re: failing at hobbies and leisure

Not sure what specialty you're going into, but I suspect you're going to be surprised at how hard you will have to work for the first 3-5 years of being an attending, owing to your inexperience and the required time needed to just get to know the optimal way of working the system you'll be in. For s...
by lightheir
Mon Nov 27, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 150
Views: 16412

Re: Chromebooks- What is the lure?

I will never trust my personal data to the cloud. They are getting hacked left and right. Google drive was hacked not too long ago. https://thehackernews.com/2014/07/google-drive-vulnerability-leaks-users_9.html If they push to put everything in this cloud BS, I might have to go back to building my...
by lightheir
Sat Nov 25, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1540

Re: Which model treadmill to buy

My earlier thoughts from this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=194451&p=2962590&hilit=treadmill#p2962590 "...I've used a treadmill for 20 years -- a True and then a Precor. They're worth every penny. You don't need to run -- I like low-impact "hiking" at 4 mi/h with 8-1...
by lightheir
Sat Nov 25, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2906

Re: Bicycle wheels - what's a reasonable budget

Thanks for all the follow-up posts. A quick update on wheels. I placed order to get the new Bontrager Aeolus Pro 3 Carbon Clincher wheels (tubeless ready) through my LBS at a 20% discount on Black Friday. Total cost came under $1000 for full carbon wheels and these Bontrager wheels are designed the...
by lightheir
Fri Nov 24, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1540

Re: Which model treadmill to buy

Are you serious runners? If so, find a used commercial treadmill. Try Craigslist. Pre-owned equipment shops. This x 1000. Workout equipment has to be the worst for purchases that go unused that end up online. If the OP is a regular runner though, it's a very worthwhile purchase, and I'd say go for ...
by lightheir
Fri Nov 24, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 3001

Re: Making collegebound Kid Financially Savvy Questions..

Want to make them financially savvy? That's easy: Take away ALL their money. That long-term savings account, withdraw all of it and put it in your checking account where she can't get to it. My son is home for the holiday. I asked him what his last meal was: Ramen noodles. Perfect. I know you're be...
by lightheir
Fri Nov 24, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

This thread is an eye opener as I also will need to buy another desktop soon. So, I believe I read above that the new desktops do not have CD or DVD drives (is that correct??), to backup data you save either to an external drive connected to your desktop (I assume if you want the data totally priva...
by lightheir
Thu Nov 23, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 3001

Re: Making collegebound Kid Financially Savvy Questions..

Want to make them financially savvy? That's easy: Take away ALL their money. That long-term savings account, withdraw all of it and put it in your checking account where she can't get to it. My son is home for the holiday. I asked him what his last meal was: Ramen noodles. Perfect. I know you're be...
by lightheir
Wed Nov 22, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

Honestly, unless you are a serious gamer (and if you have to ask if you are, you are not!) even the cheapest bare-bones desktop computer will suffice for general purpose computing. This question comes up all the time here, and I think it reflects the age of the demographics here, with plenty of olde...
by lightheir
Fri Nov 17, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8891

Re: Tesla truck unnveil

Too bad they can't make a swappable battery pack. National truck stops like Pilot could have a bank of them. Sort of like swapping out my empty propane tank at Walmart. Could be a seperate trailer, right behind the cab. So cab, battery pack, load haul trailer. Then they just have to unhook and swap...
by lightheir
Fri Nov 17, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8891

Re: Tesla truck unnveil

So what do you guys think about Tesla stock? I have about 10% of my stock portfolio in TSLA. Overvalued, risky, and not much upside. That is my $0.02s. I don't buy individual stock anymore, but I'd say the stock is worth it. Its one of the very, very few companies I can point to today and say they ...
by lightheir
Fri Nov 17, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1599

Re: Questions for Boglehead runners

Running itself doesn't cost much, but there are some real expenses if you're die hard about it. Travel to races is the real killer - if you don't fly or stay in hotels, it's a very inexpensive sport. - $50 shoes for me this year. I'm a minimalist/barefoot runner now, so that's a lot for me! - $100 i...
by lightheir
Tue Nov 14, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 20
Views: 1245

Re: What laptop with my usage?

Actually, the main reason that they are so much cheaper than similar-spec'd lower-end Windows PCs is that when you buy a Chromebook, you avoid paying the $100 built-in fee that is the cost of installing Windows on a PC. For a $1-2k laptop, the cost of Windows is only 5-10% of the total price, but fo...
by lightheir
Thu Nov 09, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2906

Re: Bicycle wheels - what's a reasonable budget

http://www.flocycling.com/index.php

Legit aero, and price effective. Go 45s or deeper
by lightheir
Wed Nov 08, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1392

Re: Which heart rate monitor is the most accurate?

If you want an accurate HR monitor, look for a chest-strap and avoid the wrist monitors. At this point, anything from Suunto, Garmin and Polar will function as well as any normal person needs them to. I was going to make the same point. Wrist based are ok, but you have to go chest strap if you want...
by lightheir
Tue Nov 07, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1392

Re: Which heart rate monitor is the most accurate?

OP - Believe it or not, ALL of them are accurate but ONLY when they are well locked on to the HR signal. When they are misplaced, jostling around, or loose, they lose data, and thus become 'inaccurate'. Pretty much none of the sensors will misread the HR if they have an excellent 'locked-on' signal....
by lightheir
Fri Nov 03, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2174

Re: GPS watch

Garmin 920xt for you. The main reason asides from the fact it's a great sports watch: - It does SWIM tracking, including indoors vs open water swims. - It does BIKE tracking. You can connect a pricey powermeter via ANT+ if you want to. Being able to display bike power data is really what makes a wat...
by lightheir
Sun Oct 29, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7652

Re: Is it difficult to switch from an iPhone to an Android?

Not sure why you would want to switch to save a few dollars, and I would never even consider switching from my iPhone. iPhone is what got use started with Apple, then we got iPads, and now we have two MacBooks. Apple quality is to me the industry standard period. m For me, the difference between an...
by lightheir
Wed Oct 25, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2275

Re: Running shoes/insoles

Man, gotta say there is a LOT of questionable or outright wrong info posted in the threads above. I certainly don't have all the answers but I'd recommend sticking to advice from experienced and successful coaches or run trainers.
by lightheir
Mon Oct 23, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4677

Re: what is your weekly workout routine?

Average 10 hrs/week of running and swimming split about 60:40 right now; will add biking in next spring in prep for triathlon racing. Most of the swims are hard efforts, but the runs are mostly easy aerobic effort with 1 fast workout and 1 longer workout/week. Bodyweight and functional strength trai...
by lightheir
Mon Oct 23, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2275

Re: Running shoes/insoles

Agree with above, but just as counterpoint food for thought: re running shoes - No running shoe/model has been scientifically proven to decrease running injuries. - Cushioning makes shoes feel nice and soft when you walk on them, but also do not decrease injuries, and do not remove impact forces - t...
by lightheir
Fri Oct 20, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4382

Re: idiot proof router?

Eero www.eero.com Simple, reliable, great coverage, no antennas. It just works This looked like just the thing, and then I came to the part where it requires a supported iOS or Android device. It's better this way - trust me. When you computers are all off the network because of whatever reason, it...
by lightheir
Wed Oct 18, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

I played nearly all of those text adventures! They were fun at the time but...man, they do NOT age well. Zork is TERRIBLE! The current crop of 'interactive fiction' is orders of magnitude better, but even those are no comparison to the AAA games out there nowadays. Hate to say so, but it's true. The...
by lightheir
Wed Oct 18, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Also, if you're not going to build your own, I suggest Digital Storm. They are a smaller company in CA. Sure, you can find better deals spec wise. But from what I've read (and my experience), Digital Storm will NOT skimp on parts or the labor. For instance, they don't just throw in a "reference" GP...
by lightheir
Wed Oct 18, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

OOooh, that's a super awesome monitor Acer Predator 34 inches. I seriously want that! Curious - does yours have G-sync? And on that note, how important is G-sync anyway? I know it's about the screen tearing with frame refresh vs video card mismatches, but to me it seems like tearing would be a reall...
by lightheir
Wed Oct 18, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

OOooh, that's a super awesome monitor Acer Predator 34 inches. I seriously want that! Curious - does yours have G-sync? And on that note, how important is G-sync anyway? I know it's about the screen tearing with frame refresh vs video card mismatches, but to me it seems like tearing would be a reall...
by lightheir
Wed Oct 18, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Questino re: 3440 resolution - do you have problems if you have to run the games in 1080p (because the game might not support higher resolutions?) Or does it run fine just with the letterbox format?
by lightheir
Wed Oct 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 6008

Re: Least expensive iPhone

Yeah, if OP is that cost conscious, he/she should seriously consider Android alternatives. I'm on Republic Wireless, and you can buy the very good entry level phones for <$250 that will run neck and neck with most non-bleeding edge iphones. My phone bill last month from Republic wireless was $11. Fo...
by lightheir
Wed Oct 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 6008

Re: Least expensive iPhone

Yeah, if OP is that cost conscious, he/she should seriously consider Android alternatives. I'm on Republic Wireless, and you can buy the very good entry level phones for <$250 that will run neck and neck with most non-bleeding edge iphones. My phone bill last month from Republic wireless was $11. Fo...
by lightheir
Wed Oct 18, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

I don't have time to do a detailed post. But you should REALLY consider ultra wide, specifically 3440x1440. I could write paragraphs trying to convince you, but I won't. Ultra wide is great if you're going to be using the pc to do work or just like having lots of real estate. It eliminates the need...
by lightheir
Wed Oct 18, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

How are 1080p and 2k really any different? 1080p: 1920x1080 2k: 2048x1080 The additional 128 horizontal pixels (138k total pixels) should not really have any bearing on how much graphics horsepower you need. This is a 6.7% increase in pixel count. Contrast that with going from 1080p to 4k, which is...
by lightheir
Wed Oct 18, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1539

PC diehard gamers - sell me on 1080p, 2k, or 4k!

This one's for the diehard PC gamers out there, and def not for everyone, but I know BHers have a fairly decent stable of computerheads, so strut your stuff! I'm still trying to decide which PC gaming build to do. Yes, I'm a fully grown man, and I honestly barely have time to game (let alone do anyt...
by lightheir
Tue Oct 17, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1755

Re: Opinions on bicycle disc brakes?

OP sounds like a relatively casual rider (not riding every day or in very adverse or tough conditions) so I'd expect either disc brakes or regular road-type caliper brakes to work well. If you're commuting in rain, def try and get disc brakes as they perform a lot better in rain/water. Same if you'r...
by lightheir
Mon Oct 16, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7938

Re: How long for hedonic adaptation to set in?

And I guess I should have added to my housing comments - I was meaning that the OP could afford the housing upgarde without undue financial burden (which it sounds like he can do.) I think pretty much ANY large purchase (obviously housing is usually amongst the biggest purchases) that ties you down...
by lightheir
Mon Oct 16, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7938

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by lightheir
Mon Oct 16, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7938

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by lightheir
Mon Oct 16, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7938

Re: How long for hedonic adaptation to set in?

FWIW, I've tried to live super frugally as an adult and then have moved upwards since. The one thing I will definitely say was worth spending (big) money on, was housing, whether it be rented housing or a purchased home. I thought I could get away with living in a smaller, less quality place for a l...
by lightheir
Fri Oct 13, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4814

Re: WiFi [extender]

FWIW, I have had zero problems with any devices on my Google wifi. 6 different phones, which include seamless wifi handoffs on Republic wireless's wifi-based calling, 5 computers, 2 tablets, 2 TVs. The few times I thought the Google wifi was going bonkers (as all other wifi routers/repeaters have do...
by lightheir
Fri Oct 13, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2236

Re: Tesla roof deposit: Anyone paid one?

Tesla roof comes with lifetime warranty. What happens if Tesla goes out of business? When Tesla goes bankrupt your warranty is worthless. Yes, I said when, not if. You can't run a company at a multi-billion dollar loss and expect to make it up on volume. Ha ask Amazon, uber, spacex, etc all of whic...