Search found 2203 matches

by lightheir
Tue Jan 16, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2676

Re: Any high-end skincare products worth it?

Ask your dermatologist about any derm-approved high end skin care products. I think you'll be surprised with their lack of suggestion. The main thing a good dermatologist recommends is el-cheapo Petroleum jelly for booboos and small things like that (not cosmetic). Most of these high-end products ar...
by lightheir
Tue Jan 16, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7524

Re: What is the best home exercise equipment?

Once last thing to consider for all the younger folks and folks who still have decent joint integrity: It is not necessarily a bad thing to load-bear on your joints. It's hard to study, but most of the long term observations on runners and sedentary folks suggest that moderate running actually HELPS...
by lightheir
Tue Jan 16, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7524

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. There's also add-ons such as sauna, swimming pool, basketball court, class...
by lightheir
Tue Jan 16, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 72
Views: 6328

Re: Besides Bogleheads, What Are Your Favorite Forums?

I gotta admit - I like the BH forum, but I also know full well I'm only going to get the 'MAINstream' viewpoint on anything here, and one that's nearly as risk-averse as possible. To me, that almost takes away the whole point of a forum, which is where you might go to get a niche or very specialize...
by lightheir
Tue Jan 16, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 72
Views: 6328

Re: Besides Bogleheads, What Are Your Favorite Forums?

I gotta admit - I like the BH forum, but I also know full well I'm only going to get the 'MAINstream' viewpoint on anything here, and one that's nearly as risk-averse as possible. To me, that almost takes away the whole point of a forum, which is where you might go to get a niche or very specialized...
by lightheir
Mon Jan 15, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7524

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. There's also add-ons such as sauna, swimming pool, basketball court, class...
by lightheir
Mon Jan 15, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7524

Re: What is the best home exercise equipment?

Never buy any budget or even mid-range treadmills, rowers, spin bikes or ellipticals, especially not if you are over 200 lbs. Concept 2 is the only game in town for rowers. Premium treadmills or ellipticals from Cybex or Precor are generally only meant for commercial gyms, but anything else is usel...
by lightheir
Sun Jan 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7524

Re: What is the best home exercise equipment?

+1 for a treadmill for the winter, bikes are okay, elliptical seems like unnatural motion but easy on the joints A rack, barbell, plates, and a bench are the best for working out (you don't have to be a young man to do it). The Deadlift, Squat, Bench Press, Row, Dips, Curls, Pull-ups, Chin-ups, Lat...
by lightheir
Sun Jan 14, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4260

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

Off topic here, but I honestly believe housing prices are partly insane because of mortgages, which are a 'social accepted' means of financial engineering. In a world where mortgages would be illegal, housing prices would be farrrr lower than what they are now and much more reasonable to fully pay o...
by lightheir
Sat Jan 13, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2824

Re: Will never not upgrade Business travel again

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

Unfortunately, usually when I want to upgrade, it's like $350+ each way to upgrade!
by lightheir
Sat Jan 13, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1629

Re: wireless dead again - router suggestions?

There are tons of posts will lots of thumbs up for the mesh-networks systems - Google wifi, Orbi, etc. I posted before, but I was using a hi-end Netgear router as well, couldn't reach my garage and also flaked out from time to time. I got so annoyed I got a Google wifi afterwards, and it's literally...
by lightheir
Fri Jan 12, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1173

Re: Storing Important Documents Online

I have had a digital archive for 12 years now and it's been great. Easier and easier with every year it seems as more and better services pop up. Cloud storage has proven particularly effective against obsolescence and getting lost.
by lightheir
Fri Jan 12, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4260

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

I too, hate debt. I will counterpoint the good advice above, that there is a small percentage (and it is SMALL!) that can use debt to their advantage, and leverage their way to big money. People starting businesses, and getting lucky with real estate are just two of the examples, and I know folks wh...
by lightheir
Fri Jan 12, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2404

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

There's a lot of panaroia and nuts about computer security. Sure, you have to take precautions, but be reasonable about it. The odds of someone successfully impersonating you do to a sophisticated hack into your accounts is farrrrrrr lower than the criminals going after the credit card repository of...
by lightheir
Thu Jan 11, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 58
Views: 2924

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

When I was renting, I spent 40% of my gross on rent in LA. It wasn't unusual down there. It always depressed me to hear how many BHers said <25%. I'm making more money now, but I still spend nearly the same amount on mortgage! :oops: And despite what all the naysayers say, everything has worked out ...
by lightheir
Wed Jan 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3930

Re: Men's no iron dress shirt recommendations

I have had very good luck with Stafford brand. I think I get them at JC Penney's or Macy's, can't remember which. Dry them on the gentle/wrinkle free setting and take them out while spinning for best results! I have also learned to keep the neck buttoned in the dryer to avoid those burnt stains fro...
by lightheir
Sat Dec 30, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7064

Re: The Economics of a new Puppy

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

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

Boarding is also $$ if you want to travel.
by lightheir
Fri Dec 22, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 92
Views: 9353

Re: Any Instant Pot users here?

My Japanese-American wife agreed to give the Instant Pot a try and put the rice cooker away. This was a major concession, as we've had a rice cooker on our kitchen counter for the 30+ years we've been married. Although we like the Instant Pot, we still haven't found the magic combination of water/r...
by lightheir
Fri Dec 22, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 23
Views: 1671

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

Do any of you folks recommending the Brother printers actually own or use them regularly with a chromebook setup? I actually already own a Brother wired printer for PC (like 12 years old now!) and it works great for me, but I did check online the items and others listed above and if you look specifi...
by lightheir
Thu Dec 21, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 23
Views: 1671

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

Do chromebooks even allow USB printing by default? I thought they didn't, but I don't own a Chromebook, so I definitely do not know for sure. I will be there over the holidays to set up the chromebook-printer pairing, which should hopefully be no problem for me. (I use google cloud print myself at h...
by lightheir
Thu Dec 21, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 23
Views: 1671

Recommend me a good laser printer for a chromebook!

I am looking to buy a laser printer to pair with a new chromebook. This will be a gift for a mother-in-law in her 70s who is extremely NOT proficient with computers. She actually has a WIndows10 laptop right now, but is so intimidated by it that she only does basic web surfing on it. I know there ar...
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: 2414

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: 573

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: 4975

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: 11539

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: 4975

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: 4975

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: 1497

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: 2375

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: 2236

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: 5156

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: 2375

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: 5156

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: 157
Views: 17958

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: 1611

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: 3054

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: 1611

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: 3107

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: 4975

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: 3107

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: 4975

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: 9073

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: 9073

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: 1616

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: 1278

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: 3054

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: 1486

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: 1486

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: 2266

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: 8089

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...