Search found 1921 matches

by lightheir
Sat Dec 10, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 43
Views: 4438

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: 2658

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: 2658

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: 1328

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: 2204

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: 28
Views: 1749

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: 1565

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: 2639

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: 3964

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: 3964

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: 3894

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: 3894

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: 3894

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: 50
Views: 4973

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: 3764

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: 3681

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: 8769

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: 3681

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: 3681

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: 8769

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: 1232

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: 42
Views: 2705

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: 6487

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: 8769

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: 1299

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: 1872

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: 10036

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: 10036

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: 10036

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: 10036

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: 2116

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: 1748

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: 1748

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: 5732

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: 1816

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: 823

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: 823

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...
by lightheir
Thu Oct 06, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 4432

Re: Desktop vs. Laptop Computer

I have an old Dell desk top (12 years old Windows XP) and a newer Toshiba lap top (4 years old Windows 7). Each one has all of my records in memory; for example.pictures, financial records (Microsoft Money), calendars, documents, email accounts....everything. I can make additions on one of them and...
by lightheir
Tue Oct 04, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Again, I am making the point that is a once-in-a-lifetime type opportunity to be in such a accomplished and diverse student body at a HYP or other top tier college. These student bodies are NOT meant to mirror 'real world' workplace ability or diversity. They're meant to be special places where you...
by lightheir
Tue Oct 04, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Yes, to each their own. To the response that 3 of those Intel finalist were from the same area, yes there are areas of academic strongholds even out of Ivy league colleges. But again, there is no way you will find the concentration of achievement and talent in the entire student body as an HYP inst...
by lightheir
Tue Oct 04, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

I counted four people in that random group. What were you? I was one of those in that 5-person group of roommates, which were chosen at random during freshman year (we didn't choose each other to live with each other. I didn't just cherrypick 5 of my most accomplish friends at college - those were ...
by lightheir
Tue Oct 04, 2016 3:55 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

I counted four people in that random group. What were you? I was one of those in that 5-person group of roommates, which were chosen at random during freshman year (we didn't choose each other to live with each other. I didn't just cherrypick 5 of my most accomplish friends at college - those were ...
by lightheir
Mon Oct 03, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

To which I'd respond, if you're simply going to a college with the same exact peer group you grew up in, you're probably missing out on the biggest benefit of college, which is being surrounded by outstanding peers as I've described above. I know that such colleges can be hard to get into, but I be...
by lightheir
Mon Oct 03, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

I would go so far as to say the nearly the entire point and benefit of college is interacting (not just working) with the peer group at the college. As a HYP graduate, I can say with confidence that my professors themselves contributed little to my education other than providing us painfully diffic...
by lightheir
Mon Oct 03, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

In this thread, our focus was strictly on undergraduate education. KlangFool The thread seems to have evolved past that, but I think for certain desired fields, my experience can be equally instructive. A student looking to get into banking, finance, or management consulting after completing an und...
by lightheir
Sun Oct 02, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 4432

Re: Desktop vs. Laptop Computer

Who still upgrades computers?? That was like 1990-2000 era! By the time a laptop or desktop has neared the end of it's typical lifespan (5-8 years), it's cheaper to just replace the whole unit. Yes I know that some folks (including me) have used the same computer for 10 years+ but that doesn't chang...
by lightheir
Sat Oct 01, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 3905

Re: Nonstick pots and pans, what is the consensus?

My wife still prefers the nonstick pans for cooking. I'll admit - when they're new, they work well. I've used a bunch - both the cheap skillets, and the pricier but longer-lasting Berndes pans. All of them, however, will lose their nonstick. For the cheap skillets, it's a few months, and with the Be...
by lightheir
Thu Sep 29, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Intelligence and ambition are the 99%. The university attended is the 1% (if anything). A good college may polish a turd, but a good student will be equally successful wherever he goes. I agree with this. I think Harvard (etc.) takes way too much credit for their students' success. They only accept...
by lightheir
Wed Sep 28, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Me: state undergrad/ state prof school / state postdoc Colleague: Harvard / Stanford / Hopkins Same mid six figures YMMV I'm like your colleague, and I have a colleague who is like you. We make the exact same amount, so you could def argue that the HYP college was pointless for me. Then again, had ...
by lightheir
Wed Sep 28, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Going to a top-tier Harvard/Stanford/etc. is no golden ticket, but it definitely signals to a employer or recruiter or peer, that you have a certain level of capacity that has been realized at some point. It counts for a lot, and it lasts for life. If you have a degree from these schools, it signals...

Go to advanced search